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All Journal Jurnal Bisnis dan Ekonomi Jurnal Siasat Bisnis IQTISHODUNA Assets : Jurnal Ekonomi, Manajemen dan Akuntansi JURNAL RELASI STIE MANDALA JEMBER JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN JURNAL AKUNTANSI UNIVERSITAS JEMBER UNEJ e-Proceeding E-Dimas: Jurnal Pengabdian kepada Masyarakat Bisma: Jurnal Bisnis dan Manajemen Jurnal Akuntansi dan Bisnis J-Dinamika: Jurnal Pengabdian Kepada Masyarakat JABM JOURNAL of ACCOUNTING - BUSINESS & MANAGEMENT Review of Management and Entrepreneurship International Journal of Environmental, Sustainability, and Social Science Jurnal Ekonomi Efektif Jurnal Manajemen dan Usahawan Indonesia BISMA (Bisnis dan Manajemen) Jurnal Akuntansi dan Keuangan Jurnal Manajemen dan Kewirausahaan Bulletin of Management and Business VALUE: Journal of Business Studies Relasi : Jurnal Ekonomi Management Dynamics: International Journal of Management and Digital Sciences Global Management: International Journal of Management Science and Entrepreneurship eJEBA
Elok Sri Utami
Faculty Of Economics And Business Universitas Jember
Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Intention model and factors leading to MSMEs falling into the trap of illegal online loans Farida, Lilik; Saleh, Chairul; Indraningrat, Ketut; Utami, Elok Sri; Apriliana, Tria
BISMA (Bisnis dan Manajemen) Vol. 18 No. 1 (2025)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n1.p86-112

Abstract

The micro, small, and medium enterprises (MSMEs) sector in Indonesia plays a vital role in the economy and job creation, but often struggles with limited access to capital. As a result, many MSMEs turn to fintech solutions or online loans, including illegal ones, which usually trap them in high-interest debt. Factors influencing this behaviour include social norms, perceived behavioural control, financial literacy, risk perception, interest rates, social influence, perceived ease of use, perceived usefulness, trust in illegal loans, education level, and social media usage for advertising. At the same time, the Financial Services Authority (OJK) are working to reduce MSMEs’ involvement with illegal online loans. This research aims to examine the factors that drive MSMEs to use illegal loans, focusing on how trust in online loans and the intention to use them mediate this behaviour. Additionally, education level and frequency of social media use are examined as moderating factors. The study surveyed 330 MSMEs and analysed the data using structural equation modelling. The findings indicate that subjective norms significantly increase trust in illegal loans but do not significantly impact the intention to use them. Perceived behavioural control influences both trust and the intention to use illicit loans. Interest rates also have a significant positive effect on both trust and intention. Social influence increases trust but decreases the intention to use illegal loans. Lastly, the intention to use illicit loans strongly predicts actual behaviour, with education level reinforcing this link, while frequent social media use weakens it.
ANALISIS REAKSI INVESTOR SAHAM PERUSAHAAN RITEL TERHADAP RAMADHAN EFFECT DI BURSA EFEK INDONESIA Wisand, Sultan Risaldi; Fadah, Isti; Farida, Lilik; Awwaliyah, Intan Nurul; Utami, Elok Sri
VALUE: Journal of Business Studies Vol. 4 No. 1 (2025): VALUE : Journal of Business Studies
Publisher : Study Program of Management Faculty of Economics and Business University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/value.v4i1.53697

Abstract

Penelitian ini bertujuan untuk mengkaji dan menganalisis reaksi investor di pasar modal pada bulan Ramadan 2024 dengan fokus pada abnormal return saham perusahaan ritel yang tercatat di Bursa Efek Indonesia. Penelitian ini menggunakan metode event study dengan menganalisis return sebelum dan sesudah Ramadan, dengan menggunakan uji normalitas Shapiro-Wilk, dimana tingkat signifikansi di atas 5% menunjukkan data berdistribusi normal, dan di bawah 5% menunjukkan data berdistribusi tidak normal. Pengujian hipotesis dilakukan dengan menggunakan Paired Sample T-Test untuk data berdistribusi normal dan Wilcoxon Signed Rank Test untuk data berdistribusi tidak normal. Alat analisis yang digunakan antara lain Microsoft Excel 365 dan SPSS v29. Hasil penelitian menunjukkan tidak ada perbedaan signifikan abnormal return sebelum Ramadan (Sya'ban) dan sesudah Ramadan (Syawal), yang ditunjukkan dengan nilai signifikansi di atas 5% pada kedua uji hipotesis.
Strengthening the Performance of Micro, Small, and Medium Enterprises (MSMEs) Through Social Media Adoption with Human Resource Competency as Moderation and Implementation of The Penta Helix Model in Facing New Normal Challenges in Jember Regency: (Model Penguatan Kinerja UMKM Melalui Adopsi Media Sosial dengan Kompetensi SDM sebagai Moderasi serta Implementasi Penta Helix dalam Menghadapi Tantang New Normal di Kabupaten Jember) Mawardi, Ahmad Ahsin Kusuma; Farida, Lilik; Nusbantoro, Ariwan Joko; Utami, Elok Sri; Endhiarto, Tatok; Apriliana, Tria
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 11 No. 1 (2024): e-JEBA Volume 11 Number1 Year 2024
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v11i1.44396

Abstract

The Covid-19 pandemic has had a negative impact on MSMEs, and has encouraged MSMEs to be more creative in trying to maintain and develop their business during the pandemic, especially through the adoption of social media for marketing activities. However, the competence of HR in MSMEs is still an obstacle to the process of adopting social media. The aims of this study were (1) to analyze the role of HR competence in moderating social media adoption on MSME performance, and (2) to analyze the implementation of the pentahelix model in strengthening MSME performance through the role of social media adoption and HR competence in facing the new normal challenges in Jember Regency. The research method used is mixed method research, which combines both quantitative and qualitative research approaches. The sample of this research is 100 SMEs. Quantitative data analysis was carried out using the PLS SEM technique. Qualitative data analysis was carried out with FGDs with stakeholders such as the government represented by the Jember District Office of Cooperatives and MSMEs, the media, the MSME community, academics, and business people. The results of the verification analysis using the SEM analysis technique show that technology has a significant effect on the performance of MSMEs in Jember Regency. Meanwhile, organizational, and environmental variables did not have a significant effect on the performance of MSMEs in Jember Regency. HR competence has a significant effect on the performance of MSMEs in Jember Regency. HR competence does not moderate the effect of technology on the performance of MSMEs in Jember Regency. HR competence does not moderate organizational influence on MSME performance in Jember Regency. HR competence does not moderate the influence of the environment on the performance of MSMEs in Jember Regency. To strengthen the performance of MSMEs through the adoption of social media, all stakeholders have an important role, where the government becomes a facilitator in conducting training and mentoring. With the involvement of academics to conduct research so that market segmentation is more appropriate for marketing through social media. Then businesspeople who have been involved in digital marketing play a role in transferring knowledge, and the role of the media is to strengthen marketing carried out by MSMEs through social media.
Pemberdayaan Santri dan Alumni Pondok Pesantren Melalui Wirausaha Budidaya Jamur Merang (Volvariella Volvaceae L.) Herlina, Herlina; Soekarno, Siswoyo; Wibowo, Yuli; Utami, Elok Sri
E-Dimas: Jurnal Pengabdian kepada Masyarakat Vol 11, No 3 (2020): E-DIMAS
Publisher : Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/e-dimas.v11i3.3914

Abstract

Pondok Pesantren “AN NUR H.A” merupakan pondok Pesantren Salaf di Jember. Profil lulusan dari pesantren ini hanya 5% dari lulusan pondok pesantren yang berhasil menjadi ustadz, sedang 95% lulusan yang lain masih dalam kebingungan memilih profesi yang akan ditekuni. Hal ini terjadi karena pada umumnya, lulusan pondok pesantren salaf memiliki pendidikan umum yang masih rendah, sementara kurikulum pengajaran yang disajikan di pondok pesantren belum menyentuh pada aspek ketrampilan hidup. Para santri pada umumnya hanya memegang ijazah Madrasah Ibtidaiyah (setara dengan Sekolah Dasar) atau maksimal Madrasah Tsanawiyah (setara Sekolah Lanjutan Tingkat Pertama) dan rata-rata para santri tidak memiliki ketrampilan untuk mereka hidup mandiri secara ekonomi setelah mereka keluar dari pondok pesantren. Melalui program pengabdian unggulan (PPU) ini pengusul bertekat untuk membuat program pemberdayaan santri dan alumni dengan memberikan bekal ketrampilan untuk mereka, selain pengetahuan agama yang diajarkan. Program yang dianggap paling tepat adalah Pemberdayaan Santri dan alumni Pondok Pesantren Melalui Wirausaha Budidaya Jamur Merang, karena usaha ini membutuhkan bahan baku lokal dan tidak membutuhkan lahan yang terlalu luas serta teknologi yang digunakan merupakan teknologi tepat guna yang mudah diadopsi. Hasil kegiatan ini adalah: (1) menambah ketrampilan para santri pondok pesantren dan alumni dalam budidaya dan berwirausaha jamur merang; (2) mengurangi pengangguran para lulusan pondok pesantren, (3) terciptanya lapangan kerja baru di pedesaan; (4) terciptanya keterkaitan bisnis secara tidak langsung dengan masyarakat di sekitar lokasi pondok melalui usaha penyediaan bahan pembantu, sekam dan bubuk gergaji; (5) meningkatnya pendapatan pesantren dari budidaya jamur merang; dan (6) kegiatan ekonomi produktif di pondok pesantren.
Analisis Kondisi Financial Distress Pada Perusahaan Perbankan di Bursa Efek Indonesia Anindya Aulia Nisa; Elok Sri Utami; Ana Mufidah
Bulletin of Management and Business Vol. 1 No. 2: Oktober 2020
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v1i2.99

Abstract

Penelitian ini bertujuan untuk menganalisis kemampuan rasio keuangan dalam memprediksi kondisi financial distress pada perusahaan perbankan yang terdaftar di BEI dengan menggunakan rasio CAR, NPL, BOPO, ROA, ROE, dan LDR. Tehnik pengambilan sampel adalah purposive sampling dengan kreteria perusahaan yang berpotensi mengalami financial distress ditandai dengan perusahaan yang mengalami laba bersih negatif minimal selama dua tahun berturut-turut dan yang tidak. Metode analisis dengan regresi logistik dengan pooling data. Hasil penelitian menunjukkan bahwa NPL dapat memprediksi kondisi financial distress perusahaan perbankan, sedangkan CAR, BOPO, ROA, ROE, LDR tidak dapat memprediksi kondisi financial distress perusahaan perbankan.
Co-Authors Ahmad Ahsin Kusuma Mawardi Alif Mirzania Ana Mufidah Anindya Aulia Nisa Anitasari, Diah Annissa Nur Imani Fithry Ariwan Joko Nusbantoro Ariwan Joko Nusbantoro Ary Gumanti, Tatang Ary Gumanti Bambang Irawan Chairul Saleh Chairul Saleh Deasy Wulandari Devy Kristiningrum Dewi Prihatini Dian Permata Sari Eka Lavista Enni Savitri Guntur Kusuma Wardana Gusti Ayu Wulandari Hadi Paramu Hari SUKARNO Herlina Herlina Herlina Herlina Herlina Herlina Hidayati, Anis Iftitah Ihrom Caesar Ananta Putra Imam Suroso Indri Puspa Linggarini Intan Nurul Awwaliyah Isti Fadah Ketut Indraningrat Ketut Indraningrat KINANTI, Kartika Ayu Lavista, Eka Lilik Farida Lilik Farida Lilik Farida Luccy Avrindy Ragilia Putri M Fatwa Algifari Markus Apriono Mega Rizky Aprilia Muhammad Irhas Zulfani Putra Hariyanto Nadia Azalia Nadia Azalia Putri Nely Supeni Novi Puspitasari Novi Puspitasari Nurhayati Nurhayati Nurul Illiyyin Nurul Wahidatun Nisa Nyoman Gede Krishnabudi Rangga Rudvi Harditama Rangga Rudvi Harditama, Rangga Rudvi Sanjaya, Nori Alfiani Shafly Perdana Lestamanta Sheila Regina Prihandini Siswoyo Soekarno Sudarsih Sudarsih Tatang Ary Gumanti Tatang Ary Gumanti Tatang Ary Gumanti Tatang Ary Gumanti Ary Gumanti Tatang Gumanti Ary Gumanti Tatok Endhiarto Tria Apriliana, Tria Wahidatun Nisa, Nurul Wisand, Sultan Risaldi Yuli Wibowo Yusuf Fatoni