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Sari, Efti Novita
Universitas Pahlawan Tuanku Tambusai
Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Apakah fintech lending berpengaruh terhadap kinerja bank syariah di indonesia? Sudirman, Wahyu Febri Ramadhan; Sari, Efti Novita; Reza, Saru; Syaipudin, Muhammad; Hidayat, Hidayat
Money: Journal of Financial and Islamic Banking Vol. 1 No. 2 (2023)
Publisher : Program Studi Perbankan Syariah Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (192.298 KB) | DOI: 10.31004/money.v1i2.15357

Abstract

Tujuan - Artikel ini bertujuan untuk menginvestigasi pengaruh fintech lending terhadap kinerja bank syariah di Indonesia. Fintech lending, yang telah mengalami pertumbuhan pesat dalam beberapa tahun terakhir, menawarkan layanan pinjaman berbasis teknologi kepada individu dan bisnis. Metode - Penelitian yang digunakan dalam artikel ini adalah analisis data panel, dengan menggunakan data dari bank syariah yang terdaftar di Indonesia selama periode 2019-2021. Data dianalisis dengan emnggunakan Eviews 10 dengan menguji asumsi kelasik yang disayaratkan untuk metode OLS. Hasil - Penelitian menunjukkan bahwa fintech lending memiliki pengaruh positif terhadap kinerja bank syariah di Indonesia. Fintech lending berkontribusi positif terhadap profitabilitas bank syariah dengan meningkatkan pendapatan dan mengurangi biaya operasional. Originalitas (Novelty) - dari penelitian ini terletak pada fokusnya pada pengaruh fintech lending terhadap kinerja bank syariah di Indonesia. Penelitian ini memberikan pemahaman yang lebih dalam tentang perubahan industri keuangan yang diakibatkan oleh fintech lending dan dampaknya pada bank syariah. Meskipun terdapat penelitian sebelumnya tentang fintech lending dan bank syariah secara terpisah, penelitian ini menggabungkan kedua bidang tersebut dan menghasilkan pemahaman baru tentang hubungan antara keduanya di konteks Indonesia. Implikasi - Penelitian ini diharapakan bisa dijadikan bank syariah dalam memformulasikan strategi yang tepat untuk menghadapi tantangan yang dihadirkan oleh fintech lending. Hal ini dapat meliputi peningkatan inovasi produk dan layanan, serta kolaborasi yang lebih kuat dengan fintech lending. Selain itu, regulator juga perlu mempertimbangkan kebijakan yang mendukung perkembangan bank syariah dan fintech lending secara seimbang di Indonesia.
Ethnographic Analysis to Identify Customer Experience and Customer Behavior in The Food and Beverage Industry Efti Novita Sari; Anita Bawaiqki Wandanaya; Dominica Maria Ratna Tungga Dewa; Didit Hadayanti; Iwan Henri Kusnadi
Jurnal Sistim Informasi dan Teknologi 2024, Vol. 6, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jsisfotek.v6i2.352

Abstract

This research aims to understand and describe the behavior of a group of people who consume craft beverages. We will conduct this research using a type of ethnography known as particularistic ethnography. We will use qualitative research techniques like group meetings and in-depth interviews in this research. In the analysis of men's mind maps, the words friends and food appeared most frequently, indicating that men associate drinking craft beverages with strong relationships with friends and consume them in a relaxed and informal setting, often accompanied by food consumption. On the other hand, in the analysis of women's mind maps, although the compartments are similar to men's with the dominance of the word friend, the difference lies in the consistent use of pink in writing words, especially friendship. This suggests that women associate craft beverages with camaraderie with friends in a fun, relaxed atmosphere. Both men and women equated craft beverages with femininity. They describe these characteristics as being informal, wearing jeans, having a friendly attitude, and having positive energy. This suggests that craft beverage typically evokes an informal and relaxed atmosphere, lacking the structure of other products or services. This shows that consumers see craft beverages as fun, warm, and suitable for enjoying in a relaxed, friendly atmosphere. Craft beverages and social interactions between friends have a strong connection, and drinking craft beverages occurs in a relaxed and laughter-filled atmosphere.
Analysis of The Influence of Online Purchase Decisions, Digital Perceive Value of Quality and Digital Viral Marketing on Consumer Satisfaction of Skincare Products Fitri, Sari; Wisnu Wardana, Yoga Fortuna; Mustafa, Fahrina; Sari, Efti Novita; Arief, Ilham
Jurnal Informasi dan Teknologi 2023, Vol. 5, No. 4
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.v5i4.430

Abstract

The purpose of this study is to determine whether consumer happiness is influenced by product quality, viral marketing, and purchase decisions. The population under study in this study consists of customers who use skincare products. The sample is a portion of the population's size and makeup. Non-probability sampling strategies were employed in this study. A total of 100 respondents made up the sample for this investigation. Researchers employed questionnaires as a means of gathering information from respondents in order to compile the necessary data. This study's questionnaire approach makes use of a Likert scale. This study falls under the category of explanatory research, which uses hypothesis testing to understand cause-and-effect correlations between variables. With the aid of SPSS software, researchers in this study used the path analysis method to evaluate the data. Based on the information that researchers have acquired and analyzed throughout the testing stage, the following conclusions may be drawn: Purchase decisions are directly impacted by the quality of the product. Purchase decisions are directly impacted by viral marketing. Purchase decisions are influenced by viral marketing and product quality at the same time. Customer happiness is directly influenced by the quality of the product. Customer happiness is directly impacted by viral marketing. Customer happiness is directly impacted by purchase decisions. Customer satisfaction is influenced by purchase decisions, viral marketing, and product quality all at once. Product quality influences consumer satisfaction through purchasing decisions. Viral marketing influences consumer satisfaction through purchasing decisions.
The Role of Customer Trust Toward Digital Sales and Website Visitor Satisfaction on Customer Loyalty of Zara Indonesia Sudirjo, Frans; Novita Sari, Efti; Yuliani; Hendra; Apramilda, Riesna
Jurnal Informasi dan Teknologi 2024, Vol. 6, No. 1
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.v6i1.517

Abstract

This study examines the variables that affect e-trust and e-satisfaction and how they affect e-loyalty. This study employs a conclusive and descriptive research design, gathering data through survey-based methodologies. Researchers utilize a particular kind of survey called a questionnaire. Only one cross-sectional research design was used in this study. Non-probability sampling combined with a judgmental sampling strategy is the method employed for sampling. LISREL is used in this study to process data utilizing SEM methods. According to the research, e-satisfaction is significantly positively impacted by perceived delivery efficiency. It was discovered, nevertheless, that e-satisfaction was not considerably affected by website design. Aside from that, e-trust is not significantly impacted by website design. However, e-trust is significantly positively affected by online privacy and security perceptions. Furthermore, it was discovered that e-loyalty is significantly positively affected by e-satisfaction. Ultimately, it was found that e-trust significantly improves e-loyalty as well.
Pengaruh Kualitas Pelayanan Terhadap Kepuasan Pelanggan Sicepat Bangkinang Sari, Efti Novita; Zulmi, Syafriade; Bustami, Bustami
Innovative: Journal Of Social Science Research Vol. 2 No. 2 (2022): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (372.689 KB)

Abstract

Sicepat merupakan salah satu perusahaan kurir dan logistik besar yang yang didukung secara online yang tersebar luas di Indonesia, melayani pengiriman Express, serta distribusi di Indonesia. Dengan adanya kualitas pelayanan yang baik di dalam suatu perusahaan jasa, akan menciptakan kepuasan bagi para konsumennya. Setelah konsumen merasa puas dengan produk atau jasa yang diterimanya, konsumen akan membandingkan pelayanan yang diberikan. Kualitas layanan dapat berpengaruh kepada kepuasan konsumen dan kemudian berdampak terhadap kepercayaan, dan juga kepuasan konsumen dapat menimbulkan loyalitas konsumen. Jumlah sampel dalam penelitian ini adalah 100 orang pelanggan Sicepat di Bangkinang. Teknik pengumpulan data menggunakan angket dengan jumlah 10 item untuk variabel kualitas pelayanan dan 10 item untuk variabel kepuasan pelanggan. Metode penelitian menggunakan metode penelitian kuantitaif dengan menggunakan teknik analisis regresi linier sederhana. Berdasarkan hasil penelitian dapat disimpulkan bahwa kualitas pelayanan berpengaruh secara signifikan terhadap kepuasan pelanggan Sicepat Bangkinang dengan nilai thitung > ttabel atau 4,917 > 1,66055 dan nilai signifikan 0,000 < 0,05. Apabila variabel kualitas pelayanan ‘meningkat’ 1 satuan secara constant sebesar 25,414 maka kepuasan pelanggan akan ‘meningkat’ pula sebesar 0,340. Besar pengaruh kualitas pelayanan terhadap kepuasan pelanggan Sicepat Bangkinang adalah sebesar 19,8%.
PENINGKATAN EFISIENSI RETRIBUSI PEMASARAN IKAN SEGAR TINGKAT PEDAGANG PENGUMPUL DI KECAMATAN KAMPA Hasan, Samsurijal; Sari, Efti Novita; Aryadi, Aryadi; Suhud, Aris
Batara Wisnu : Indonesian Journal of Community Services Vol. 5 No. 1 (2025): Batara Wisnu | Januari - April 2025
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/bw.v5i1.311

Abstract

This service discusses the importance of increasing the efficiency of fresh fish marketing distribution at the level of intermediary traders in Kampa District. Fresh fish is one of the trade commodities that can be exported or sold domestically. The business of selling fresh fish is one of the business opportunities whose prospects are very bright, because fresh fish is one of the main consumptions of the Indonesian people. This business besides having a very wide range of consumers that this business can touch, i fish sales can be done in conventional and digital ways. Selling fish conventionally can be done by opening fish outlets in markets or in densely populated neighborhoods.  Fish are not only sold to traditional markets both within the region (Kampar Regency) but can even be marketed to traders outside the region such as Pekanbaru City, Dumai City, Pelalawan Regency and Siak Regency. Fish traders as informal small entrepreneurs will always be faced with various limitations, especially the limitations of product continuity from fish farmers, facilities such as limited fleets and constraints in the implementation of distribution, such as travel time that is often disrupted due to rain, damaged roads and so on. Travel distance is very important because it is related to the durability of fresh fish and the cost of fuel oil (BBM).  The problem that is often encountered is the obstacles on the way. The problem that is often encountered is the obstacles in traveling between the source of fish (fish farmers) to the intended market.  For example, catfish is harvested around 21:00 to 22:00. The process of loading and distributing the number of fish for each destination market is about one to two hours and then starting the journey with the target of arriving at the destination market at 05.00 maximum. Distribution efficiency is the key to the success of the trader's business. If the harvest time, travel time and condition of the fish when it arrives at the table trader, the profit that is targeted will be realized. If there is inefficiency, the collector traders will experience losses because the price per unit will drop significantly.
Pengaruh Diferensiasi Produk terhadap Keputusan Pembelian Coca-Cola di Wilayah Pekanbaru Efti Novita Sari; Muhammad Jufri
Jurnal Bisnis dan Pemasaran Digital Vol. 2 No. 1 (2022): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jbpd.v2i1.2545

Abstract

Purpose: To determine simultaneously and partially the effect of product differentiation (product design, brand, packaging, size, and taste) on purchasing decisions for Coca-Cola in Pekanbaru. Method: Data collection techniques using a questionnaire comprising 25 statement items for product differentiation variables and 5 statement items for product purchase decision variables were distributed to 50 consumers who consumed Coca-Cola products. Results: Based on the results of this study, it is known that simultaneously and partially there is a significant influence of product differentiation (product design, brand, packaging, size, and taste) on purchasing decisions for Coca-Cola in the Pekanbaru area. The research results were 36.20%. Limitations: This research was conducted only on Coca-Cola products. These variables include product design, brand, packaging, size, taste, and their influence on purchase decisions for Coca-Cola products. Contribution: Suggestions can be given to PT Coca-Cola to continue to improve and develop innovations in all aspects of marketing, because Coca-Cola products have been well trusted by all circles of society, and further increase consumer loyalty to Coca-Cola products by providing optimal service and product innovation based on consumer needs, in order to increase consumer purchasing decisions for Coca-Cola products.
Security Perception as a Moderating Variable of the Influence of Customer Trust on Repurchase Intention Atik Andhayani; Efti Novita Sari; Nurul Qisthi; Nur El Ikhsan; Muhammad Fachmi
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. I (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4iI.771

Abstract

This research is a quantitative study with an explanatory approach, which uses previous research as the primary material for creating hypotheses, adding novelty elements that are different from previous studies, and testing the hypotheses that researchers make. The primary material that researchers mean in this study is research. The data used in this study is primary data that researchers obtained from Gacoan noodle customers spread across several corners of Indonesia, with the minimum criteria of having shopped more than three times, with a many of 400 customers. The data used in this study were analysed using the innovative PLS 4.0 analysis tool. The result in this article shows that each hypothesis in this study can be proven. The first hypothesis in this study is that the Customer Trust variable can have a positive relationship direction and a significant influence on Employee Performance. Based on the third table above, the Customer Trust variable can have a positive relationship direction and a considerable impact on Repurchase Intention because the P-values ​​are positive and below the significance level of 0.05, namely 0.011. These results show that the higher the Customer Trust, the more likely it is to lead to purchasing decisions, increase customer loyalty, and increase customer comfort. These indicators will ultimately have a good impact and significantly influence Repurchase Intention. The following hypothesis used in this study is that the Security Perception variable can moderate the influence of the Customer Trust variable on the Repurchase Intention variable. This is because the P-values ​​are positive and below the significance level of 0.05, which is 0.000, more significant than the direct testing of 0.011. Increasing Security Perception can further increase Customer Trust because Customers feel safe and comfortable. Ultimately, these rights can have a more significant effect on Repurchase Intention.
PEMBERDAYAAN PETANI KELAPA UNTUK MENINGKATKAN NILAI TAMBAH MINYAK KELAPA Winario, Mohd.; Zakir, Muhammad; Sari, Efti Novita; Amelia, Nur
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 2 (2025): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i2.29173

Abstract

Abstrak: Pemberdayaan petani kelapa untuk meningkatkan nilai tambah minyak kelapa penting karena membantu petani mengoptimalkan hasil panen kelapa melalui proses pengolahan yang lebih baik, sehingga meningkatkan kualitas dan nilai jual produk. Dengan pelatihan dan pendampingan, petani dapat menghasilkan minyak kelapa berkualitas tinggi, yang lebih kompetitif di pasar. Tujuan tujuan dari pengabdian ini adalah untuk meningkatkan pemahaman petani kelapa dengan pelatihan dan pendampingan pembuatan minyak kelapa menjadi lebih bernilai atau memiliki added value. Metode yang digunakan dalam kegiatan pengabdian masyarakat ini adalah dengan metode Asset Based Comunities Development (ABCD), yaitu pendekatan dalam pengabdian kepada masyarakat yang menitikberatkan pada inventarisasi asset yang terdapat pada petani kelapa Desa Kedabu Rapat, pelaksanaan kegiatan ini dilaksanakan empat orang dengan mitra Kepala Desa Kedabu Rapat dan petani berjumlah 20 orang. Metode evaluasi dilakukan melalui observasi dan pemberian 5 pertanyaan post-test untuk mengukur peningkatan pengetahuan serta antusiasme peserta setelah kegiatan. Hasil pengabdian ini menunjukkan bahwa Program pemberdayaan petani kelapa di Desa Kedabu Rapat berhasil meningkatkan nilai tambah produk minyak kelapa, pendapatan petani, dan keterampilan kewirausahaan. Dengan dukungan teknologi tepat guna, pemasaran efektif, dan kelembagaan yang kuat, petani lebih mandiri dan kompetitif. Melalui pelatihan dan pendampingan, petani mampu menghasilkan minyak kelapa berkualitas tinggi dengan teknik pengolahan modern yang lebih efisien dan higienis. Program ini berhasil meningkatkan pendapatan petani rata-rata sebesar 30%, terutama melalui penguasaan teknologi tepat guna dan pemasaran produk yang lebih luas.Abstract: Empowering coconut farmers to increase the added value of coconut oil is important because it helps farmers optimize coconut harvests through better processing processes, thereby increasing the quality and selling value of the product. With training and assistance, farmers can produce high quality coconut oil, which is more competitive in the market. The purpose of this community service is to improve the understanding of coconut farmers through training and mentoring in making coconut oil more valuable or having added value. The method used in this community service activity is the Asset Based Communities Development (ABCD) method, which is an approach to community service that emphasizes the inventory of assets found in coconut farmers in Kedabu Rapat Village, the implementation of this activity was carried out by four people with partners from the Head of Kedabu Rapat Village and 20 farmers. The evaluation method is carried out through observation and giving 5 post-test questions to measure the increase in participants' knowledge and enthusiasm after the activity. The results of this service show that the coconut farmer empowerment program in Kedabu Rapat Village has succeeded in increasing the added value of coconut oil products, farmer income, and entrepreneurial skills. With the support of appropriate technology, effective marketing, and strong institutions, farmers are more independent and competitive. Through training and mentoring, farmers are able to produce high-quality coconut oil with modern processing techniques that are more efficient and hygienic. This program has succeeded in increasing farmers' income by an average of 30%, especially through mastery of appropriate technology and wider product marketing.
Pengaruh Market Orientasi, Strategi Bersaing, dan Marketing Service terhadap Kinerja Pemasaran UMKM di Bangkinang Kota Agustina, Leni; Samsurijal, Samsurijal; Sari, Efti Novita
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 2 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i2.1363

Abstract

UMKM merupakan usaha mikro kecil menengah yang dapat menyerap banyak tenaga kerja. UMKM di Indonesia khususnya UMKM di bidang makanan/kulier sedang dalam trend yang positif dengan jumlahnya yang terus bertambah setiap tahunnya Peningkatan ini menimbulkan persaingan pasar yang semakin ketat, sehingga para pelaku UMKM harus menghadapi berbagai peluang maupun ancaman serta menuntut para pengusaha untuk menggunakan berbagai strategi agar bisa bertahan bahkan berkembang di tengah persaingan pasar yang semakin ramai. Sehigga penelitian ini bertujuan untuk mengetahui pengaruh market orientasi, strategi bersaing, dan marketing service terhadap kinerja pemasaran UMKM di Bangkinang Kota. Jenis penelitian yang digunakan adalah metode kuantitatif dengan teknik purposive sampling. Populasi yang digunakan 1.502 dengan jumlah sampel 100 responden. Berdasarkan hasil penelitian ini menunjukkan bahwa secara parsial dan simultan variabel market orientasi, strategi bersaing, dan marketing service berpengaruh signifikan terhadap kinerja pemasaran UMKM yang ada di Bangkinang Kota. Dan nilai koefisien korelasi (R) adalah 0,748 menunjukkan bahwa nilai tersebut memiliki tingkat hubungan antara variabel. Berarti kemampuan variabel bebas dalam menjelaskan variabel terikatnya sebesar 74,80%.
Co-Authors Ade Nurhayati Aisyah Sri Wahyuni AMELIA, NUR Anita Bawaiqki Wandanaya Arief, Ilham Aryadi Aryadi Atik Andhayani Bustami Bustami Bustami Bustami Cahyaning Raheni Didit Hadayanti, Didit Dominica Maria Ratna Tungga Dewa Erina Alimin Eva Desembrianita Eva Yuniarti Utami Fazilla Amalia Fitri Novilia Fitri, Sari Frans Sudirjo Hafidurrahman, Moh hasan, samsurijal Hermawan Hermawan Hidayat Hidayat Indra Maulana Iwan Henri Kusnadi Leni Agustina Loso Judijanto M. Aminny Zakky Meli Saputri Mila Diana Sari Mohd. Winario Muhamad Risal Tawil Muhammad Aminny Zakky Muhammad Fachmi Muhammad Jufri Muhammad Sabir Muhammad Syaipudin Muhammad Zakir Mustafa, Fahrina Nany Librianty Nova Ch. Mamuaya Nur El Ikhsan Nurul Qisthi Nurwijayanti Raisya Salsabilla Riesna Apramilda Risqon J Farhas Rizqon Jamil Farhas Samsurijal, Samsurijal Saru Reza Suhud, Aris Suriah Hanafi Suryati Suryati Syafriade Zulmi Syarifuddin Arief Wahyu Febri Ramadhan Sudirman Wisnu Wardana, Yoga Fortuna YULIANI Zulmi, Syafriade