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All Journal Studia Economica: Jurnal Ekonomi Islam el-Jizya: Jurnal Ekonomi Islam Profit: Jurnal Manajemen, Bisnis dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Jurnal Media Akademik (JMA) Moneter : Jurnal Ekonomi dan Keuangan JURNAL RUMPUN MANAJEMEN DAN EKONOMI Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Jurnal Ilmiah Nusantara Jurnal Ekonomi, Akuntansi dan Perpajakan Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Yoiz Shofwa Shafrani
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Religion Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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PERAN STRATEGIS ALUN-ALUN PURWOKERTO DALAM MENINGKATKAN AKTIVITAS EKONOMI DAN KESEJAHTERAAN MASYARAKAT SEKITAR Nida Nurlailia Putri; Futi Khatussolikhah; Nur Zahra Alya Nabila; Yoiz Shofwa Shafrani
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 3 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i3.5437

Abstract

One of the concept of urban governance is the existence of public spaces. Purwokerto Square is a publics space that is well known to the community and plays a crucial role in supporting the social and economic sectors in the city center. Through a descriptive qualitative approach that includes a literature review and contextuan case studies, this study aims to analyze the contribution of Puwokerto Square in improving local economic activity and community welfare. The result of this study show that the square not only function as a means of recreation and social activities, but also as an economic center that encourages th growth of the UMKM sector, create jobs, and increases community income. However, there are still obtacles suc as limited infrastructure and suboptimal management.
Analisis Keunggulan Produk Pegadaian dalam Persaingan UPC dengan Menggunakan Teknik Competitive Profile Matrix (CPM) di UPC Karang Lewas dan UPC Alun-Alun Purwokerto Andina Velisha Saputri; Anisa Cahyawiru Khasanah; Ziddan Ni’am Raihan; Yoiz Shofwa Shafrani
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2025): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i2.2394

Abstract

This study aims to analyze the superiority of Pegadaian products in competition between Branch Service Units (UPC) using the Competitive Profile Matrix (CPM) technique at UPC Karanglewas and UPC Alun-Alun Purwokerto. The approach used is descriptive qualitative through case studies, with data collection through in-depth interviews, observation, and documentation. CPM analysis is carried out by identifying key success factors such as service quality, product variety, price, promotion, ease of access, company reputation, and digital product innovation. The results of the study show that UPC Karanglewas has a stronger competitive position with a CPM score of 3.65 compared to UPC Alun-Alun Purwokerto which obtained a score of 3.25. The main advantages of UPC Karanglewas lie in a more complete product variety, ease of access, and digital innovation, while UPC Alun-Alun Purwokerto excels in promotion. This study recommends that each UPC strengthen product differentiation, increase digital service innovation, and optimize promotional strategies to strengthen competitiveness in the national pawn.
Dinamika Peran Pasar Wage dan Rita Super Mall dalam Struktur Ekonomi Kota Purwokerto: Antara Sinergi dan Kompetisi Alvina Dinda Marshellina; Dewie Kartika Ratna Istiqomah; Nur Riski Iman Saputra; Yoiz Shofwa Shafrani
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 6 (2025): Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i6.5125

Abstract

Abctract. The transformation of urban economic structures is significantly influenced by the dynamic roles of markets as central hubs of economic activity. This study examines the contributions of traditional and modern markets to the economic structure of Purwokerto, using Pasar Wage as a representation of traditional markets and Rita Supermall as a symbol of modern retail development. Employing a descriptive qualitative approach through observation, interviews, and literature review, the study analyzes economic activity, spatial distribution, and the impact on the local community. The findings reveal that Pasar Wage plays a crucial role in supporting grassroots economies, providing informal employment, and strengthening social connectivity, while Rita Supermall drives formal economic growth, attracts investment, and accelerates the modernization of consumption patterns. Both markets complement each other in reinforcing the city’s economic structure. Therefore, synergy between traditional and modern markets should be strengthened through spatial planning and sustainable economic development policies. Keywords: Modern Market; Purwokerto; Traditional Market; Urban Economic Structure Abstrak. Perubahan struktur ekonomi kota sangat dipengaruhi oleh dinamika peran pasar sebagai pusat kegiatan ekonomi. Penelitian ini mengkaji kontribusi pasar tradisional dan modern terhadap struktur ekonomi Kota Purwokerto, dengan mengambil studi kasus Pasar Wage sebagai representasi pasar tradisional dan Rita Supermall sebagai simbol pasar modern. Menggunakan pendekatan kualitatif deskriptif dengan metode observasi, wawancara, dan studi literatur, penelitian ini menganalisis aktivitas ekonomi,distribusi spasial, serta dampaknya terhadap masyarakat lokal. Hasil penelitian menunjukkan bahwa Pasar Wage berperan dalam mendukung ekonomi kerakyatan, menyediakan lapangan kerja informal, serta memperkuat konektivitas sosial, sedangkan Rita Supermall mendorong pertumbuhan ekonomi formal, menarik investasi, dan mempercepat modernisasi konsumsi masyarakat. Keduanya saling melengkapi dalam memperkuat struktur ekonomi kota. Oleh karena itu, sinergi antara pasar tradisional dan modern perlu diperkuat melalui kebijakan tata ruang dan pengembangan ekonomi yang berkelanjutan. Kata Kunci: Pasar Modern; Pasar Tradisional; Purwokerto; Struktur Ekonomi Kota
Analisis Strategi Penyelesaian Kredit Macet terhadap Kinerja Keuangan Koperasi Simpan Pinjam Semerbak Citra Wangon: Pendekatan Matriks SPACE Ergita Rahma D; Reifka Nur Amalia; Silfi Dwi Y; Yoiz Shofwa Shafrani
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1359

Abstract

This study looks at bad debt resolution strategies and their effect on the financial performance of Semerbak Citra Wangon Saving and Loan Cooperative (KSP) using the SPACE Matrix technique. The financial stability of cooperatives is severely threatened by bad debts, which can reduce liquidity and profitability. The four main dimensions of the SPACE Matrix approach - industry strength (IS), environmental stability (ES), competitive advantage (CA), and financial strength (FS) - were used to evaluate the cooperative's strategic position. The conclusion of the analysis, which places the cooperative in the aggressive quadrant (coordinates 5.00, 2.67), indicates that the cooperative has significant internal strengths and outward growth potential. Some recommended strategies include improved market segmentation, longer loan periods, liability restructuring, and lower interest rates. These strategies are expected to improve the cooperative's long-term financial stability and reduce the likelihood of bad debts.
Analisis Strategi Bisnis Pegadaian Purwokerto dengan Metode Matriks SPACE untuk Menentukan Posisi Strategis Perusahaan Adzra Arfika Yovi Maghfira; Anggun Kurnia Sustikarini; Devi Saftri Yuliani; Yoiz Shofwa Shafrani
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 2 No. 2 (2025): Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v2i2.972

Abstract

SPACE Matrix (Strategic Position and Action Evaluation) is a management strategy that assesses the company's competitive position based on four main dimensions, namely two internal factors (Financial Strength and Competitive Advantage) and two external factors (Industry Strength and Environmental Stability This study analyzes the strategic position of Pegadaian Purwokerto with the SPACE Matrix through a qualitative descriptive approach. To provide a complete picture, data were collected from primary and secondary sources. The evaluation results show that Pegadaian has fairly stable financial and industrial strength, as well as relatively stable competitiveness and environmental conditions. Determining the coordinates in the SPACE Matrix places Pegadaian Purwokerto in the aggressive quadrant, which indicates that the company has opportunities and internal strengths to actively develop its business. The recommended strategies include market penetration and market development, with the use of the SWOT matrix as a tool to formulate a comprehensive and effective strategy. These findings provide strategic guidance for Pegadaian Purwokerto in utilizing strengths and opportunities for sustainable growth.
Evaluasi Strategi Terhadap Kinerja KSPPS BMT Damai Amanah Sejahtera Menggunakan Metode Servo Analysis Ariadin Nurfi; Zahra Kamila; Siti Maesaroh; Yoiz Shofwa Shafrani
JURNAL ILMIAH NUSANTARA Vol. 2 No. 4 (2025): Jurnal Ilmiah Nusantara Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i4.4939

Abstract

This study aims to evaluate the strategy used by KSPPS BMT Damai Amanah Sejahtera on its performance using the SERVO Analysis method, which is a method that looks at five main aspects such as strategy, environment, resources, values, and organization. KSPPS BMT Damai Amanah Sejahtera is a sharia cooperative that plays an important role in empowering the community's economy, but faces various challenges in improving performance and competitiveness. This study is a case study that shows how the characteristics of this Cooperative relate to the problems faced. The results show that the SERVO method helps cooperatives understand internal and external conditions as a whole and formulate more appropriate strategies. Strategies formulated based on the results of the analysis have been shown to improve decision making and organizational performance. These findings support the theory of strategic management based on organizational resources and values, especially in the context of sharia cooperatives.
Analisis VRIO dan PEST pada Strategi Bisnis KSPPS Hanada Quwais Sembada Azzahra Prania Putri; Muhammad Bagas Adi Nugroho; Nisrina Alifatu Zahra; Yoiz Shofwa Shafrani
JURNAL ILMIAH NUSANTARA Vol. 2 No. 4 (2025): Jurnal Ilmiah Nusantara Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i4.4972

Abstract

This study aims to evaluate the approach in assessing resources and business environment in KSPPS Hanada Quwais Sembada using VRIO (Value, Rare, Imitability, Organization) and PEST (Politic, Economic, Social, Technology) frameworks. The VRIO framework is applied to find internal and sustainable competitive advantages by analyzing the company's resources and capabilities. On the other hand, PEST analysis is conducted to explore external macro factors that have the potential to affect the institution's performance and strategy. Through a case study on KSPPS Hanada Quwais Sembada KC Purwokerto, it is seen that this institution has several valuable resources, such as a high level of member trust and a unique sharia-based business model, but needs to improve the aspects of rarity and capabilities that are difficult to imitate. From the outside, changes in Islamic banking regulations and the adoption of digital technology by members are identified as significant opportunities and challenges.
Analisis Strategi Layanan Syariah Bank Syariah Indonesia KCP Banjarnegara Perspektif VRIO dan PEST Adibatunnisa Adibatunnisa; Zahra Ayu Agustin; Neli Nurul Azizah; Yoiz Shofwa Shafrani
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 2 No. 2 (2025): Mei: Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v2i2.949

Abstract

This study aims to evaluate the sharia financial service strategy of Bank Syariah Indonesia (BSI) Banjarnegara Branch through the VRIO and PEST approaches, in order to identify internal advantages and external dynamics that affect the competitiveness of the institution. Using a qualitative-descriptive method, this study reveals that BSI Banjarnegara has a sustainable competitive advantage through sharia-based products that are difficult to imitate, a wide community network, and a personal service approach. In addition, the results of the PEST analysis show that political support, stable economic conditions, and the level of community religiosity are great opportunities for the growth of sharia finance in the region, although the level of digital technology adoption is still a challenge. The strategy of strengthening digitalization, education of sharia financial literacy, and product innovation such as Cicil Emas are the main keys in responding to market challenges and increasing financial inclusion. Thus, the results of this study provide a strategic direction for the development of sustainable and adaptive sharia services to changes in the business environment.
DAMPAK PEMBANGUNAN INFRASTRUKTUR TERHADAP PENINGKATAN EKONOMI DAN KUALITAS HIDUP DI PERKOTAAN: STUDI KASUS KABUPATEN BANYUMAS Fitria Azil Fadiha; Mohamad Rifai Rizki Amanah; Wike Aprillia; Yoiz Shofwa Shafrani
Jurnal Media Akademik (JMA) Vol. 3 No. 6 (2025): JURNAL MEDIA AKADEMIK Edisi Juni
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v3i6.2372

Abstract

Penelitian ini mengkaji dampak pembangunan infrastruktur terhadap pertumbuhan ekonomi dan kualitas hidup di wilayah perkotaan, dengan studi kasus Purwokerto, ibu kota Kabupaten Banyumas. Sebagai pusat perkotaan yang berkembang pesat, Purwokerto telah mengalami investasi signifikan dalam infrastruktur fisik dan digital selama dekade terakhir, termasuk perbaikan jalan, peningkatan transportasi umum, layanan air bersih dan sanitasi, dan digitalisasi layanan publik. Tranformasi ini tidak hanya bertujuan meningkatkan efisiensi layanan, tetapi juga mendorong pertumbuhan ekonomi yang inklusif dan berkelanjutan. Penelitian ini menggunakan pendekatan studi kasus kualitatif deskriptif, dengan memanfaatkan data sekunder dari lembaga pemerintah dan sumber statistik antara tahun 2016 dan 2023. Temuan penelitian mengungkapkan bahwa pembangunan infrastruktur telah memberikan kontribusi signifikan terhadap peningkatan kinerja ekonomi daerah, sebagaimana tercermin dari kenaikan Produk Domestik Regional Bruto (PDRB) dan pertumbuhan Usaha Mikro, Kecil, dan Menengah (UMKM) berbasis digital. Selain itu, akses terhadap layanan air bersih, listrik, dan internet telah membaik, yang berdampak positif pada kesejahteraan masyarakat dan produktivitas penduduk, meskipun masih terdapat kesenjangan antara wilayah perkotaan pusat dan pinggiran. Analisis spasial menunjukkan adanya konsentrasi pembangunan di Purwokerto pusat, yang menimbulkan kekhawatiran atas ketimpangan spasial dan terbatasnya akses terhadap infrastruktur di distrik pinggiran kota. Studi ini menyimpulkan bahwa meskipun infrastruktur telah meningkatkan daya saing ekonomi dan layanan publik, kebijakan masa depan harus memprioritaskan pembangunan yang merata, keadilan spasial, dan keberlanjutan untuk memastikan manfaat yang inklusif bagi semua penduduk perkotaan. Hasil penelitian ini diharapkan dapat menjadi referensi bagi pemerintah daerah dalam merumuskan strategi pembangunan yang lebih adil dan berorientasi pada pemerataan kesejahteraan masyarakat.
Co-Authors Adibatunnisa Adibatunnisa Adzra Arfika Yovi Maghfira Agestiana Anti Mukharomah Alfina Nur Hidayati Alvina Dinda Marshellina Amalia Kartika Andina Velisha Saputri Anggun Kurnia Sustikarini Anisa Cahyawiru Khasanah Anisatul Amalia Anzil Farun Nisa Ariadin Nurfi Arzeti Ika Febrianti Azzahra Prania Putri Bahar Habibi Chandrika Febri Riyani Devi Saftri Yuliani Devina Sabila Rahma Dewie Kartika Ratna Istiqomah Dian Febriani Dianatul Aizza Dimas Saputro Dwi Retno Ardani Eili Widiyastuti Ergita Rahma D Fatimah Alzahrah Sabrina Faza Rifqy Diyaulhaq Fitria Azil Fadiha Futi Khatussolikhah Gigih Esa Pangestu Hanifah Nabila Hanifah Nur Amsiah Hawin Mu’alif Maulana Humamul Hakim Ida Puspita Wahyuningtyas Igna Dwi Mitafiani Iqbal Rafly Prasetyo Ita Solihatun Khanin Nurrohmah Kharismatul Umaha Laeli Nur Khabiebah Latifah Nurmaulida Aulia Rahmah Lia Munawaroh LutfiaFatkhi Ramadani M. Dwi Andika Djuru M. Irwan Farouki Mei Putri Berliana Mohamad Rifai Rizki Amanah Mohammad Radita Restu Mahendra Muhamad Ardaf Ramadhani Muhammad Bagas Adi Nugroho Muhammad Hanik Niyar Muhammad Perdana Putra Nabila Khairunnisa Azhar Nadiva Amelia Baetisalamah Neli Nurul Azizah Nida Nurlailia Putri Nisrina Alifatu Zahra Novia Zakiyatul Fitri Nur Oriana Farkhatun Khoiriyah Nur Riski Iman Saputra Nur Zahra Alya Nabila Reifka Nur Amalia Reva Agustin Rino Agus Pamuji Risma Nur Hazizah Risti Hanafiyanti Noviana Rizka Sobriyani Pratiwi Silfi Dwi Y Siti Aisaturohmaniyah Siti Farida Siti Maesaroh Siti Zakiyatul Fitriyah Sutriawati Sutriawati Vanya Eka Habsari Vicky Aditya Pratama Wike Aprillia Woro Laksita Aqilah Yanuar Jidan Yolanda Aulia Tasya Zahra Ayu Agustin Zahra Kamila Zalfa Arum Bakhiroh Zalfa Marshelly Rayhannabila Ziddan Ni’am Raihan