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Enhancement Literacy Finance As A Key Factor In Realize Development Sustainable At The Destination Business Tour Religion Amelia Setyawati; Puji Handayati; Arief Noviarakhman Zagladi
International Journal of Management Research and Economics Vol. 1 No. 4 (2023): November : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v1i4.1014

Abstract

The complexity and importance of the role of the religious tourism business in a global context, where spiritual and religious destinations not only attract tourists, but also become centers of economic and cultural activities. The success of a religious tourism business destination depends not only on its spiritual appeal, but also on the manager's ability to understand and manage financial aspects wisely. The importance of increasing financial literacy in the context of the religious tourism business is increasingly visible due to the various challenges faced by the tourism industry, including climate change, changes in consumer behavior and global market dynamics. Recognizing the financial literacy gap in the religious tourism business can be integrated into education and training programs for industry players. The method used in this research is a qualitative research approach with a descriptive research type, to observe the extent to which MSME business actors in the Wali Sembilan religious tourism area understand and can apply financial literacy to increase their business success. This research took place in the Wali Sembilan religious tourism area. Based on results reduction observations, interviews and documentation that have been done interpret it can stated that enhancement literacy finance become factor key in realize development sustainable destination business tour Wali Sembilan religion. Profile perpetrator diverse businesses _ in literacy finance show necessity effort increase, especially among MSMEs as _ bone back economy populist. Enhancement literacy finance give impact positive on ability perpetrator business in make decision smart finances, planning _ investing, and managing risk, create environment stable and powerful business _ competitive. Therefore _ that 's necessary done steps strategic like strengthening literacy programs finance, cooperation between government and private, and integration literacy finance in curriculum education For support continuity economy and business in the destination that.
Measuring The Contribution Of Financial Literacy In Building The Competitive Advantage Of MSMEs In Indonesia : Systematic Literature Review (SLR) Amelia Sugangga; Puji Handayati; Arief Noviarakhman Zagladi
Brilliant International Journal Of Management And Tourism Vol. 3 No. 3 (2023): Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v3i3.2225

Abstract

A country's economic growth cannot be separated from the role of Micro, Small and Medium Enterprises (MSMEs) as the backbone of a strong economy. MSMEs experience various problems, including limited access to resources, inadequate infrastructure, and the inability to compete on a larger scale. These factors become obstacles for MSMEs to optimize their potential and compete in an increasingly complex market . It is important for MSME players to improve their product advantages or marketing strategies, because MSMEs are one of the important business sectors in Indonesia. There are not many studies that systematically measure the contribution of financial literacy in building the competitive advantage of MSMEs, especially in the Indonesian context. This research tries to open a new space by using the Systematic Literature Review (SLR) method to detail the understanding of the concept of financial literacy and its implications for the competitive advantage of MSMEs in Indonesia. The importance of this research lies in the urgency to provide a more comprehensive view of how financial literacy can make a concrete contribution in establishing and maintaining the competitive advantage of MSMEs. Results of this research state that Financial literacy has a significant role in helping MSMEs face financial challenges and compete in a dynamic market. It is hoped that the results of this research can provide practical and policy implications for stakeholders, government and business people in increasing the financial literacy of MSMEs, so as to create an environment that supports the growth and competitiveness of MSMEs in Indonesia.
INFLUENCE OF EASE AND USEFULNESS OF QRIS ON THE DECISION TO USE SHARIA FINTECH PAYMENT WITH TRUST AS AN INTERVENING VARIABLE Egie Nugraha, Diki; Zagladi, Arief Noviarakhman
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).19740

Abstract

Industri financial technology (fintech) di Indonesia terus berkembang pesat, seiring meningkatnya kebutuhan masyarakat akan layanan keuangan yang cepat dan praktis. Perkembangan ini mencakup fintech konvensional dan syariah, dengan fintech syariah menjadi solusi potensial untuk mayoritas penduduk Muslim. Sejalan dengan itu, Bank Indonesia meluncurkan Quick Response Code Indonesian Standard (QRIS) untuk memudahkan transaksi berbasis QR dan mendukung digitalisasi ekonomi. Namun, adopsi QRIS masih menghadapi tantangan, terutama terkait kepercayaan masyarakat terhadap keamanan dan keandalan teknologi tersebut. penelitian  ini  dilakukan  untuk  mengevaluasi pengaruh kemudahan dan kegunaan  secara  langsung  dan tidak  langsung.  Dalam studi ini, pendekatan kuantitatif diterapkan pada populasi pelanggan waroeng yang memakan siengkong pandawa malang. Metode statistik digunakan untuk menentukan sampel minimal empat puluh responden. Hasil penelitian menunjukkan bahwa kemudahan tidak memengaruhi kepercayaan atau keputusan penggunaan. Kemudian kegunaan dapat berdampak kecil pada kepercayaan dan keputusan penggunaan. Kepercayaan juga mengatur hubungan antara kemudahan dan keputusan penggunaan namun, kegunaan tidak. Hipotesis penelitian diuji menggunakan aplikasi SmartPLS 3.29, metode analisis Structural Equation Model (SEM) berbasis Partial Least Square (PLS).  
Hubungan Motivasi Kerja dan Lingkungan Kerja terhadap Produktivitas Karyawan PT. Pabrik Kertas Tjiwi Kimia Tbk Rohmanulloh, Arif; Sopiah, Sopiah; Zagladi, Arief Noviarakhman
Indonesian Research Journal on Education Vol. 4 No. 4 (2024): irje 2024
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v4i4.1649

Abstract

Dalam pencapaian tujuan sebuah organisasi salah satu faktor pertama dan utama dan pembangunan adalah SDM (Sumber Daya Manusia). Sumber daya manusia (SDM) sebagai peran utama dari seluruh aktivitas dalam mencapai tujuan. Sumber daya manusia yang unggul disuatu perusahaan akan membawa dampak yang baik juga untuk mendapatkan suatu produktivitas kerja yang tinggi. Tujuan penelitian ini adalah untuk mengetahui hubungan motivasi kerja dan lingkungan kerja terhadap produktivitas karyawan di PT Pabrik Kertas Tjiwi Kimia Tbk. baik secara simultan maupun secara parsial. Penelitian ini menggunakan metode kuantitatif dengan teknik analisis deskriptif dan analisis regresi linear berganda. Teknik pengambilan sampel pada penelitian ini yaitu menggunakan proportionate Stratified Sampling dengan 40 orang responden. Penelitian ini dibantu oleh program IBM SPSS 20. Hasil dari penelitian ini adanya pengaruh motivasi kerja dan lingkungan kerja terhadap produktivitas kerja karyawan, maka dapat disimpulakan bahwa terdapat hubungan motivasi kerja dan lingkungan kerja terhadap produktivitas kerja karyawan PT. Pabrik Kertas Tjiwi Kimia Tbk.
TOTOH GINGER COFFEE PRODUCTS IN INCREASING INCOME OF THE COMMUNITY OF KARANG ANYAR VILLAGE, KETAPANG DISTRICT, SAMPANG DISTRICT Wahyudin, Ahmad; Handayani, Puji; Zagladi, Arief Noviarakhman
Multifinance Vol. 1 No. 2 (2023): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v1i2.53

Abstract

The aim of this research is to find out the promotional strategy for Totoh ginger coffee products to increase the income of the people of Karang Anyar village, Ketapang sub-district, and Sampan regency. This research uses a qualitative approach, with data collection techniques using documentation, observation, and interview techniques. Meanwhile, checking the validity of the data is obtained through extending observations, increasing persistence in research, and triangulation. The research's findings lead the researcher to the following conclusions: first, Totoh ginger coffee owners have adopted the marketing mix concept, which consists of the 4Ps: product strategy (product), price strategy (price), distribution location strategy (place), and promotion strategy (promotion), as their development strategy to boost sales and keep customers. In its marketing strategy, the owner of Totoh ginger coffee applies a strategy that is in accordance with Islamic business ethics, namely: Al-insaniyah, or humanity; akhlakul karimah, in accordance with customer wishes; listening to customer criticism and suggestions; honesty; being realistic (not making things up); respecting customers; offering quality and halal goods; and offering products that do not harm customers. Second, the strategy implemented in the production process, price, location, and promotion is that there are no deviations made by Totoh ginger coffee product business actors, whether in the supply of raw materials, the manufacturing process, or the sales process. The Totoh ginger coffee business has implemented Islamic economic principles, namely Tawheed; whatever is done is based on the existence of Allah SWT Khilafah and Al-Ta'awanun, namely mutual help. The raw materials used are natural and halal materials, which are permitted in Islam, are obtained in a good way, and are sold only through orders from consumers via social media.
Human Reseource Development and Career: Analisa Pengaruh Reward System pada Motivasi dan Disiplin Kinerja Sumber Daya Manusia (SDM) Resty Agustin; Sopiah; Arief Noviarakhman Zagladi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 2 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i2.5725

Abstract

This research aims to analyze the influence of the reward system on the motivation and discipline of human resource (HR) performance, as well as its impact on human resource development (HRD) and careers. The method used in this research is a systematic literature review, by collecting ten studies obtained from the Google Scholar and Scopus databases. The analysis results show that a well-designed reward system has an important role in supporting HRD and career development. A reward system that is flexible, achievement-based and responsive to changes in organizational conditions has been proven to strengthen employee motivation and discipline, which in turn improves their performance. In addition, implementing a reward system that rewards innovation, digital skills and knowledge and encourages career renewal has been proven to have a positive impact on the overall competitiveness of the organization. These findings provide insights for organizations in designing and implementing effective reward systems to support sustainable HR and career development.
FOOD AND BEVERAGE PURCHASING DECISIONS IN THE MALANG MSME SECTOR ARE INFLUENCED BY THE HALAL LABEL AND PRODUCT QUALITY NADLIROH, INDAH DATIN; PUJI HANDAYATI; ARIEF NOVIARAKHMAN ZAGLADI
Akademika : Jurnal Manajemen, Akuntansi, dan Bisnis. Vol. 22 No. 1 (2024): Februari 2024
Publisher : Pusat Publikasi dan Penerbitan Karya Ilmiah STIE Indonesia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51881/jak.v22i1.112

Abstract

The most significant economic pillars supporting Indonesia's development and growth are Micro, Small, and Medium-Sized Enterprises (MSMEs), particularly in the Malang region. In recent years, Malang's MSMEs business sector has grown significantly. Meeting the rising needs of consumers is essential for MSME firms to succeed. In this situation, it's critical for MSMEs to secure halal certification for their goods and goods with quality assurance. The goals of this study are to: (1) ascertain the impact of halal labels on consumer decisions regarding food and beverage products in the Malang MSME sector; (2) ascertain the impact of product quality on consumer decisions concerning food and beverage products in the Malang MSME sector; and (3) ascertain the impact of both halal labels and product quality at the same time. The sample in this study consists of 70 individuals, with the population in this study including all customers who buy and consume halal-certified MSME food and beverage goods in Malang. Multiple linear regression analysis is the data analysis technique employed in this study. The study's findings indicate that the product quality variable has a tcount of 1.107 and a significance level of 0.272 above 0.05, whereas the halal label variable has a tcount of -0.251 and a significance level of 0.803 above 0.05.
KOMPENSASI SEBAGAI PENYEMANGAT KERJA UNTUK MENINGKATKAN KINERJA KARYAWAN Rachmawati, Dita; PUJI HANDAYATI; ARIEF NOVIARAKHMAN ZAGLADI
Akademika : Jurnal Manajemen, Akuntansi, dan Bisnis. Vol. 22 No. 1 (2024): Februari 2024
Publisher : Pusat Publikasi dan Penerbitan Karya Ilmiah STIE Indonesia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51881/jak.v22i1.113

Abstract

Compensation is a reward given by the company to employees, for their services in carrying out the duties, obligations and responsibilities assigned to them in order to achieve company goals. Providing compensation to employees has the greatest influence on employees’ thoughts about a sense of calm that generates loyalty to the company and motivates the implementation of their work. The purpose of this study is to identify compensation as a work incentive to improve employee performance. The method used is research using literature studies by examining journals and books related to the effect of compensation as an encouragement for employee performance. The results of the discussion show that the compensation given must be felt fairly by employees and the amount of compensation is not much different from what is expected by employees. If these two things can be fulfilled, the employee will be satisfied. Satisfaction will trigger employees to continue to improve their performance, so that company goals and employee needs will be achieved together.
The Strategic Role of Job Satisfaction in Shaping Organizational Commitment: A Literature Review Cecilia Indah Hapsari; Arief Noviarakhman Zagladi; Elfia Nora
Systematic Literature Review Journal Vol. 1 No. 4 (2025): October: Systematic Literature Review Journal
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/slrj.v1i4.249

Abstract

This study examines the strategic role of job satisfaction in shaping organizational commitment in the context of companies by synthesizing empirical evidence published between 2016 and 2025. Although it has been extensively researched, findings related to the consistency and determinants of the relationship between job satisfaction and organizational commitment are still scattered and have not been integrated, thus requiring comprehensive mapping. Therefore, this study aims to identify empirical patterns, conceptual issues, and theoretical foundations that explain how job satisfaction contributes to the formation of organizational commitment. Using the PRISMA based Systematic Literature Review (SLR) method, 35 articles were selected through the stages of identification, screening, quality assessment, and thematic synthesis. The review results show that job satisfaction is consistently a major predictor of organizational commitment in various corporate sectors. These findings are consistent with theories such as Social Exchange Theory, Equity Theory, Herzberg's Two Factor Theory, and Job Demands Resources Model, which explain the cognitive and affective mechanisms of commitment formation. In addition, variables such as work environment, job involvement, work life balance, internal CSR, and HR practices were identified as mediators or moderators that strengthen this relationship. This study concludes that increasing job satisfaction is an important strategy for strengthening commitment, reducing turnover intentions, and improving organizational performance. This review contributes to an integrative understanding of empirical developments and theoretical perspectives, and provides recommendations for future research to expand the data base and consider cross-cultural dynamics in organizations.
Analisis Peran Pendapatan Non-Pendidikan dalam Mendukung Keberlanjutan Sumber daya Keuangan pada Politeknik Negeri Semarang (Polines) Masula, Fariham; Zagladi, Arief Noviarakhman
Jurnal Maksipreneur Vol 15 No 1 (2025)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v15i1.2005

Abstract

This study aims to analyze the role of non-educational revenue in supporting the financial sustainability of Politeknik Negeri Semarang (Polines). Using a qualitative research method with a document analysis approach, this research examines Polines' revenue realization from 2020 to 2023. The findings reveal that non-educational revenue is pivotal in enhancing Polines’ financial flexibility and independence. Nevertheless, Polines continues to face challenges, including reliance on the State Budget (APBN) and underutilization of its research and innovation potential. The study recommends strategies for revenue diversification, strengthening governance, and optimizing innovation to enhance Polines’ financial sustainability. These strategies emphasize the concept of an entrepreneurial university and utilize Valuable, Rare, Inimitable, and Organized (VRIO).