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Implementation of Shariah Finance to Increase the Welfare of Micro, Small, and Medium Business Sarwo Edy Handoyo; Muhammad Doddy; Muhammad Fathoni Yasin; Afi Parnawi; Satriani Satriani; Elinah Elinah
International Journal of Management Science and Application Vol. 1 No. 1 (2022): ijmsa
Publisher : Sultan Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58291/ijmsa.v1i1.29

Abstract

This study aims to find out the efforts that have been made by LKS in implementing Islamic finance, the obstacles encountered and the role of LKS in implementing Islamic finance for MSME. This study was a qualitative approach in the form of a case study in Batam City.  The results showed that the oobstacles faced, limited human resources and service offices, constrained by collateral as a second way out because financing must remain secure, internal services are not optimal, understanding and awareness of the community are still happy with instant loans, do not want to be complicated so that more people make transactions with financial institutions conventional rather than LKS which assumes the process seems complicated. Micro entrepreneurs need the role of LKS, especially in terms of capital used to expand the market and develop their business so that it contributes greatly to the national economy, LKS with the institution of Bank Riau Kepri Syariah (BRKS) can provide a way out to meet the needs of a consumptive society and can cover the needs MSME investment.
The Influence of Motivation, Business Capital, Entrepreneurial Knowledge, and Business Networks on Business Success Putri Vavensy; Sarwo Edy Handoyo
International Journal of Management Science and Application Vol. 1 No. 2 (2022): ijmsa
Publisher : Sultan Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58291/ijmsa.v1i2.76

Abstract

Starting a business is not easy. Entrepreneurs face various kinds of difficulties in running their businesses. If difficulties cannot be overcome, it can worsen business performance and can even lead to bankruptcy. Entrepreneurs must be able to build a competitive advantage in their businesses. This can affect the sustainability of its business. Several factors influence business success. This study aims to analyze the effect of motivation, venture capital, entrepreneurial knowledge, and business networks on business success in the food and beverage business in Jakarta, Indonesia. The population of this study is all food and beverage business owners in Jakarta. The sample of this research is 100 food and beverage business owners in Jakarta. The technique of determining the sample using purposive sampling. Data collection was carried out using a google form questionnaire which was distributed online. Data were analyzed using the SmartPLS 3.0 application. The results of the study found that motivation, business capital, entrepreneurial knowledge, and business networks have a positive effect on business success. The results of this study are expected to contribute to the development of entrepreneurship and can provide input for entrepreneurs to achieve business success.
Pengaruh Ekspektasi Pendapatan dan Pendidikan Kewirausahaan Melalui Motivasi Berwirausaha terhadap Niat Berwirausaha Ryan Jonathan; Sarwo Edy Handoyo
Jurnal Manajerial Dan Kewirausahaan Vol. 5 No. 3 (2023): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v5i3.25413

Abstract

Studi ini memiliki tujuan untuk menganalisis pengaruh ekspektasi pendapatan dan pendidikan kewirausahaan melalui motivasi berwirausaha terhadap niat berwirausaha Mahasiswa Universitas Tarumanagara. Sampel pada penelitian ini adalah Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Tarumanagara dengan total 100 responden. Pengambilan sampel menggunakan kuesioner google form yang disebarkan secara daring. Data dipilih menggunakan metode probability sampling dengan teknik sampel simple random sampling. Data diolah menggunakan Structural Equation Modeling (SEM) dengan software SmartPLS 4.0.8.3. Hasil studi mengemukakan bahwa pengaruh ekspektasi pendapatan, pendidikan kewirausahaan, dan motivasi berwirausaha terhadap niat berwirausaha yaitu secara positif dan signifikan. Hasil studi juga mengemukakan bahwa motivasi berwirausaha mampu memediasi hubungan antara ekspektasi pendapatan dan pendidikan kewirausahaan terhadap niat berwirausaha. This study purpose was to analyze the effect of income expectation and entrepreneurship education through entrepreneurship motivation on students’ entrepreneurship intention at Tarumanagara University. The samples in this study were 100 Students of The Faculty of Economics and Business Tarumanagara University. The samples were collected using a google form questionnaire that was distributed online. The data were selected using the probability sampling method with simple random sampling technique. The data is processed using Structural Equation Modeling (SEM) with smartPLS 4.0.8.3 software. The results of the study show that the effect of income expectation, entrepreneurship education, and entrepreneurship motivation on entrepreneurship intention is positive and significant. The results study also show that entrepreneurship motivation is able to mediate the relationship between income expectation and entrepreneurship education on entrepreneurship intention.
Pengaruh Media Sosial, Kreativitas, Motivasi terhadap Keberhasilan Usaha UMKM Kuliner Jakarta Utara Wilson Rendy Wijaya; Sarwo Edy Handoyo
Jurnal Manajerial Dan Kewirausahaan Vol. 5 No. 3 (2023): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v5i3.25449

Abstract

Pada era milenium ini peran media sosial sangat penting untuk keberlangsungan dan keberhasilan UMKM, pengguna media sosial meningkat secara pesat pada tahun 2019-2021 sebanyak 40 juta. media sosial merupakan suatu kreativitas dan inovasi untuk UMKM dalam aspek pemasaran dan manajemen usaha seperti pemasaran secara online, dapat memberikan layanan/service secara online, berjualan online dan mendapatkan informasi tentang aspek aspek bisnis yang dimana hal tersebut sangat berguna untuk kelangsungan suatu usaha. Namun data dari menteri koordinator airlangga hartarto baru 30 persen pelaku UMKM masuk program go digital seperti penggunaan media sosial, aplikasi, dan teknologi. Banyak nya pelaku UMKM tidak go digital dikarenakan kurangnya pengetahuan dan keterampilan untuk dapat menggunakan media sosial dan lain lain. Penelitian ini bertujuan untuk menganalisis pengaruh Media Sosial, Kreativitas, Dan Motivasi terhadap Keberhasilan Usaha pada UMKM Kuliner di Jakarta Utara. Teknik pemilihan sampel dalam penelitian ini menggunakan teknik non probability sampling dengan metode convenience sampling/accidental sampling. Sampel dalam penelitian ini merupakan pelaku usaha UMKM Kuliner di daerah Jakarta Utara dengan total sebanyak 53 responden. Data dianalisis menggunakan metode SEM (Structural Equation Model) dengan aplikasi SmartPLS 4.0. Hasil penelitian ini menemukan adanya pengaruh yang negatif dan tidak signifikan media sosial terhadap keberhasilan usaha, kreativitas berpengaruh positif dan signifikan terhadap keberhasilan usaha, motivasi berpengaruh positif tidak signifikan terhadap keberhasilan usaha. In this millennium era, the role of social media is very important for the sustainability and success of MSMEs, social media users have increased rapidly in 2019-2021 by 40 million. Social media is a form of creativity and innovation for MSMEs in aspects of marketing and business management such as online marketing, being able to provide services online, selling online and getting information about business aspects which are very useful for the continuity of a business. However, data from the coordinating minister, Airlangga Hartarto, only 30 percent of MSMEs are participating in the go digital program, such as the use of social media, applications and technology. Many MSMEs do not go digital due to a lack of knowledge and skills to be able to use social media and others. This study aims to analyze the influence of Media social, Creativity, and Motivation on Business Success in Culinary MSMEs in North Jakarta. The sample selection technique in this study used a non probability sampling technique with the convenience sampling/accidental sampling method. The sample in this study were Culinary MSME entrepreneurs in the North Jakarta area with a total of 53 respondents. Data were analyzed using the SEM (Structural Equation Model) method with the SmartPLS 4.0 application. The results of this study found that there was a negative and insignificant influence of social media on business success, creativity had a positive and significant effect on business success, motivation had an insignificant positive effect on business success.
The Determinants of a Successful Family Business Succession Christina Eka Prillia; Sarwo Edy Handoyo
International Journal of Management Science and Application Vol. 2 No. 2 (2023): ijmsa
Publisher : Sultan Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58291/ijmsa.v2i2.116

Abstract

Majority of business in Indonesia is family business firm. In fact, according to Daya Qarsa Research Firm in 2022, family businesses have contributed about 80% to Indonesia’s GDP as well as 40% to Indonesia’s market capitalization. However, most of the family businesses start to falter during the second generation and doesn’t last until the third generation. This article aims to determine 1) the influence of succession planning on family business succession, 2) the influence of family relationship on family business succession, 3) the influence of entrepreneurial spirit on family business succession, 4) the influence of intergeneration managerial mindset on family business succession. The method used to collect data in this study is online question form with google-form questionnaire with a total sample of 37 respondents. The data analysis technique used is Structural Equation Modeling (SEM) with SmartPLS as the data processing tool. The samples in this study are family business successors in Gorontalo. The result of this study is 1) succession planning has an influence on family business succession, 2) family relationship has an influence on family business succession, 3) entrepreneurial spirit has an influence on family business succession, 4) intergeneration managerial mindset has no influence on family business succession.
Pengaruh likuiditas, profitabilitas, solvabilitas, dan aktivitas terhadap financial distress pada perusahaan yang terdaftar di Bursa Efek Indonesia periode 2020-2021 Jonathan Geraldin Yolando Susanto; Sarwo Edy Handoyo
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 5 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i5.26513

Abstract

This research studies the effects of liquidity, profitability, solvability, and activity ratios on financial distress. The research subjects are firms listed in the Indonesian Stock Exchange (BEI) for the 2020-2021 period and were given a particular note by BEI to indicate that the companies were having financial difficulties. The research observed firms quarterly and used financial reports to collect data needed for the research. The sampling method used for this research is purposive sampling, with a total of 72 observation data used. A panel data regression model is used in this research, with EViews 10 as an instrument used to process the data. This research indicates that the profitability and activity ratio positively impacted financial distress, the solvability ratio negatively impacted financial distress, and the liquidity ratio had no significant impact on financial distress. Penelitian ini mempunyai tujuan untuk mempelajari efek daripada rasio keuangan, seperti rasio likuiditas, profitabilitas, solvabilitas, dan aktivitas terhadap kesulitan keuangan. Subjek penelitian adalah emiten yang terdaftar di Bursa Efek Indonesia (BEI) pada tahun 2020-2021 dan juga diberikan notasi khusus oleh BEI sebagai penanda bahwa perusahaan tersebut sedang mengalami kesulitan keuangan. Penelitian ini mengamati perusahaan secara kuartal dan menggunakan laporan keuangan untuk mendapatkan data-data yang dibutuhkan. Metode pengambilan sampel pada penelitian ini adalah purposive sampling dengan total sebanyak 72 data pengamatan. Metodologi penelitian yang dilakukan adalah dengan menggunakan metode regresi data panel dengan bantuan EViews 10 sebagai alat untuk memproses data-data yang didapatkan. Hasil penelitian menunjukkan rasio profitabilitas dan aktivitas berpengaruh secara positif terhadap kesulitan keuangan, rasio solvabilitas berpengaruh secara negatif terhadap kesulitan keuangan, dan rasio likuiditas tidak mempunyai pengaruh terhadap kesulitan keuangan.
Work Motivation as a Central Determinant of Teacher Performance: An Integrated Structural Model of Leadership Style, Organizational Culture, and Compensation Nurul Fatihah; Sarwo Edy Handoyo; Juanda
Journal of Educational Management Research Vol. 5 No. 2 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i2.2005

Abstract

This study aims to examine the effects of compensation and work motivation on teacher performance by integrating leadership style, organizational culture, compensation, and work motivation into a single structural model. The research employs a causal associative quantitative approach using a survey method with a 1–5 Likert scale questionnaire administered to 94 teachers. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings reveal that compensation significantly influences work motivation, and work motivation significantly affects teacher performance. However, work motivation does not mediate the relationship between compensation and teacher performance. Leadership style primarily affects teacher performance indirectly through its influence on motivation rather than through a direct effect. Compensation directly enhances motivation and contributes significantly to teacher performance, while organizational culture shows an indirect but statistically insignificant effect. These results imply that strengthening teacher performance requires strategic emphasis on enhancing work motivation through effective leadership and supportive compensation systems. Educational institutions should prioritize leadership practices and fair compensation policies to foster sustainable performance improvement.
Pentingnya Entrepreneurial Education, Attitude towards Entrepreneurship, dan Creativity terhadap Entrepreneurial Intention Allison Eloise Charlene; Sarwo Edy Handoyo
Jurnal Manajerial Dan Kewirausahaan Vol. 7 No. 4 (2025): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v7i4.35706

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pendidikan kewirausahaan, sikap terhadap kewirausahaan, dan kreativitas terhadap niat berwirausaha mahasiswa universitas swasta di Jakarta Barat. Dalam penelitian ini, teknik pengambilan sampel yang digunakan adalah non-probability sampling dengan metode purposive sampling, melibatkan 189 responden yang merupakan mahasiswa universitas swasta di Jakarta Barat. Data dikumpulkan melalui kuesioner daring menggunakan Google Form dan dianalisis dengan metode Partial Least Square Structural Equation Modeling (PLS-SEM) menggunakan aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa pendidikan kewirausahaan, sikap terhadap kewirausahaan, dan kreativitas memiliki pengaruh positif dan signifikan terhadap niat berwirausaha mahasiswa. Pendidikan kewirausahaan berperan penting dalam membangun pengetahuan dan keterampilan yang relevan untuk mendukung niat berwirausaha. Sikap terhadap kewirausahaan memperkuat keyakinan mahasiswa dalam menghadapi tantangan bisnis, sedangkan kreativitas mendorong inovasi dan ide-ide baru dalam proses kewirausahaan. Penelitian ini memberikan kontribusi teoretis dalam memahami faktor-faktor yang memengaruhi niat berwirausaha. Secara praktis, hasil ini dapat digunakan oleh universitas untuk merancang program pendidikan kewirausahaan yang lebih efektif, serta memberikan panduan bagi mahasiswa untuk mempersiapkan diri dalam menciptakan usaha yang inovatif. A person's entrepreneurial intentions greatly influence the economy in Indonesia. There are several data that show the economic situation in Indonesia, such as Indonesian people's views on business, the number of Indonesian entrepreneurs is decreasing, the employment situation in West Jakarta is decreasing, and the economic growth situation in West Jakarta is decreasing. This research aims to analyze the influence of entrepreneurship education, attitudes towards entrepreneurship, and creativity on the entrepreneurial intentions of private university students in West Jakarta. In this research, the sampling technique used was non-probability sampling with a purposive sampling method, involving 189 respondents who were private university students in West Jakarta. Data was collected through an online questionnaire using Google Form and analyzed using the Partial Least Square Structural Equation Modeling (PLS-SEM) method using the SmartPLS 4.0 application. The research results show that entrepreneurship education, attitudes towards entrepreneurship, and creativity have a positive and significant influence on students' entrepreneurial intentions. Entrepreneurship education plays an important role in building relevant knowledge and skills to support entrepreneurial intentions. Attitudes towards entrepreneurship strengthen students' confidence in facing business challenges, while creativity encourages innovation and new ideas in the entrepreneurial process. This research provides theoretical contributions in understanding the factors that influence entrepreneurial intentions. Practically, these results can be used by universities to design more effective entrepreneurship education programs, as well as provide guidance for students to prepare themselves to create innovative businesses.
Pengaruh kualitas argumen dan daya tarik terhadap keputusan pembelian produk Harlette dengan mediasi niat beli Evelyne Alycia; Sarwo Edy Handoyo
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 10 No 3 (2026): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v10i3.37570

Abstract

This study examines the influence of argument quality and influencerattractiveness on the purchase decisions of Harlette Beauty products by positioning purchase intention as a mediating variable. The research is motivated by the low conversion rate experienced by this local brand despite its strong digital exposure. A quantitative approach is employed to explain how message quality and communicator characteristics shape consumer responses within digital marketing contexts. The study focuses on consumers residing in the Greater Jakarta area who have interacted with Harlette’s promotional content through social media. The research method applies SEM-PLS to test both direct and indirect relationships among variables. The results show that argument quality plays a significant role in strengthening purchase intention and exerts a positive influence on actual purchase decisions. Influencerattractiveness also contributes to shaping positive consumer perceptions, although its impact depends on the relevance and clarity of the message delivered. Purchase intention is found to be a key mediator linking marketing communication variables with real consumer behavior, emphasizing that the effectiveness of digital strategies relies not only on visual exposure but also on the substance and clarity of information received by the audience. These findings contribute to the development of digital consumer behavior theory and offer practical implications for local brands in crafting communication strategies that are more persuasive and aligned with consumer expectations. Practically, the study highlights the importance of enhancing educational content, selecting appropriate influencers, and ensuring message consistency to strengthen purchase conversion for local Beauty brands. Penelitian ini menganalisis pengaruh kualitas argumen dan daya tarik influencer terhadap keputusan pembelian produk Harlette Beauty dengan menempatkan niat beli sebagai variabel mediasi. Latar belakang penelitian berangkat dari rendahnya konversi pembelian merek lokal ini meskipun eksposur digital cukup tinggi. Pendekatan digunakan untuk menjelaskan bagaimana kualitas pesan dan karakteristik komunikator membentuk respons konsumen dalam konteks pemasaran digital. Penelitian dilakukan pada konsumen di wilayah Jabodetabek yang pernah berinteraksi dengan konten promosi Harlette melalui media sosial. Metode yang digunakan berbasis quantitative approach dengan teknik SEM-PLS untuk menguji hubungan langsung maupun tidak langsung antar variabel. Hasil penelitian menunjukkan bahwa kualitas argumen memiliki peran penting dalam meningkatkan niat beli dan memberikan pengaruh positif terhadap keputusan pembelian. Daya tarik influencer juga berkontribusi dalam membentuk persepsi positif konsumen, meskipun kekuatannya bergantung pada kesesuaian pesan yang disampaikan. Niat beli terbukti menjadi penghubung penting antara variabel komunikasi pemasaran dan perilaku aktual konsumen, sehingga memperkuat pemahaman bahwa efektivitas strategi digital tidak hanya bergantung pada eksposur visual, tetapi juga pada kualitas informasi yang diterima audiens. Temuan ini memberikan kontribusi bagi pengembangan teori pada ranah digital consumer behavior serta memberikan implikasi praktis bagi merek lokal dalam merancang strategi komunikasi yang lebih persuasif dan relevan. Secara aplikatif, penelitian menegaskan perlunya penguatan konten edukatif, pemilihan influencer yang tepat, serta konsistensi pesan untuk meningkatkan konversi pembelian pada merek kecantikan lokal.
Pengaruh Inovasi, Harga, dan Kualitas Produk terhadap Niat Beli Konsumen Lachel di Shopee Dicky Susanto; Sarwo Edy Handoyo
Jurnal Manajerial Dan Kewirausahaan Vol. 8 No. 2 (2026): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v8i2.37416

Abstract

Perkembangan bisnis di e-commerce terutama di bidang fashion mempunyai dampak yang besar terhadap pertumbuhan ekonomi di Indonesia. Proporsi jumlah transaksi barang fashion yang meningkat dari tahun ke tahun menyebabkan niat beli para konsumen menjadi sangat penting agar industri fashion di e-commerce ini tetap dapat bertahan. Penelitian ini bertujuan untuk menganalisis pengaruh inovasi, harga, dan kualitas produk terhadap niat beli produk fashion Lachel di e-commerce Shopee. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei, di mana kuesioner disebarkan kepada 152 responden yang pernah membeli produk Lachel di Shopee. Teknik pengambilan sampel yang digunakan adalah non-probability sampling dengan metode purposive sampling. Data dikumpulkan melalui kuesioner yang disebar secara daring melalui Google Form dan metode analisis dalam penelitian ini menggunakan Partial Least Square Structural Equation Modeling (PLS-SEM) dengan aplikasi Smart-PLS 4. Hasil pengujian dalam penelitian ini menunjukkan bahwa adanya hubungan signifikan antara variabel inovasi terhadap niat beli konsumen pada produk Lachel di Shopee. Harga yang mempengaruhi niat beli Lachel di Shopee secara positif. Kualitas produk yang berpengaruh signifikan terhadap niat beli di Lachel Shopee. Studi ini menunjukkan bahwa fashion, terutama Lachel, perlu lebih fokus dalam mengembangkan strategi yang menonjolkan inovasi, penentuan harga yang kompetitif, dan peningkatan kualitas produk untuk menarik niat beli konsumen. Business development in e-commerce especially in the fashion sector, has a major impact on economic growth in Indonesia. The proportion of the number of transactions for fashion goods that increases from year to year causes consumers' purchase intentions to be very important so that the fashion industry in e-commerce can survive. This study aims to analyze the effect of innovation, price, and product quality on the purchase intention of Lachel fashion products in Shopee e-commerce. This study uses a quantitative method with a survey approach, where questionnaires were distributed to 152 respondents who have purchased Lachel products at Shopee. The sampling technique used is non-probability sampling with a purposive sampling method. Data was collected through questionnaires distributed online via Google Form and the analysis method in this study used Partial Least Square Structural Equation Modeling (PLS-SEM) with the Smart-PLS 4 application. The test results in this study indicate a significant relationship between innovation variables and consumer purchase intention on Lachel products at Shopee. Prices that influence Lachel's purchase intention at Shopee positively. Product quality has a significant effect on purchase intention at Lachel Shopee. This study shows that fashion, especially Lachel, needs to focus more on developing strategies that emphasize innovation, competitive pricing, and improving product quality to attract consumers.