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Intan Shaferi, Intan
Universitas Jenderal Soedirman
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Analisis Gaya Hidup Konsumen dan Etnosentrisme terhadap Perpektif Kualitas dan Implikasinya terhadap Niat Membeli Produk Budaya Pramono Hari Adi; Rio Dhani Laksana; Intan Shaferi
Probisnis Vol 15, No 2: Agustus (2022)
Publisher : Universitas Amikom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35671/probisnis.v15i2.1980

Abstract

Penerapan Asean Financial Network sebagai pasar bebas di kawasan Asia Tenggara pada penyerahan tahun 2015 memungkinkan tanpa masalah mempromosikan barang dan jasa ke lokasi internasional lainnya di kawasan Asia Tenggara agar persaingan semakin ketat. Hambatan akan berkurang atau mungkin tidak ada dan membuka pasar untuk industri dalam negeri yang berkembang. Pengertian terbaik adalah persepsi klien terhadap atribut-atribut yang dianggap penting. Penelitian ini akan mengembangkan model etnosentrisme pembeli, identitas sosial, persepsi kepuasan konsumen membeli barang dagangan etnik dengan variabel intervensi sikap pembeli. Hal ini terlihat pada pola penelitian pembeli barang dagangan batik Banyumas. Sampel penelitian sebanyak 150 pelanggan pelanggan batik Banyumas yang diambil secara purposive sampling dengan pengumpulan data kuesioner. Penelitian dilakukan dengan uji statistik dengan SPSS. Hasil secara simultan variabel cara hidup, etnosentrisme klien dan persepsi kualitas tinggi memiliki pengaruh yang cukup besar terhadap produktivitas kerja. Hasil parsial yaitu variabel cara hidup memiliki pengaruh yang cukup besar terhadap niat beli, variabel etnosentrisme konsumen memiliki dampak ukuran penuh terhadap niat beli, variabel gagasan besar memiliki pengaruh yang signifikan terhadap pembelian pelanggan tujuan.
Bitesize Product Development and Marketing Innovation in Tempeh Chips Food SMEs Intan Shaferi; Alisa Tri Nawarini; Rio Dhani Laksana; Ary Yunanto
ABDIMAS: Jurnal Pengabdian Masyarakat Vol. 7 No. 1 (2024): ABDIMAS UMTAS: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM Universitas Muhammadiyah Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35568/abdimas.v7i1.4222

Abstract

Business development is part of the dynamics of economic activity which is increasingly developing along with the progress of the times. MSMEs run businesses independently in their economic activities. Therefore, creativity in developing a business is highly expected. One form of creativity is innovation. Chip products are traditional foods that have long been embedded in society. Tempeh chips with a savory and light taste to eat in box-shaped packaging. However, along with the rapid development of business, many are trying to provide a touch of variety in taste. However, it was not easy for the market to accept the change because the original taste was considered the best. With this phenomenon, it is hoped that MSMEs will have other ways to be creative and innovate. One of the MSMEs is tempeh chips in the South Purwokerto area. This MSME has been around for a long time and provides supplies to several other places. However, innovation needs to be carried out to have its own new and more profitable market because it has selling points that are more popular with the market. The method used in this program is to create a community service program in the form of innovating new product variations in the form of new tempeh in small sizes for selling value and initiating a marketing network to develop the business. So it is hoped that the knowledge possessed by academics can be useful for implementing science and technology to develop MSME businesses. The output of this program is small size tempeh chips products in packaging and marketing development.
Does Transfer Pricing, Sales Growth, Foreign Ownership, Asset Intensity Affect Tax Avoidance in Energy Companies in Indonesia? Rio dhani Laksana; Intan Shaferi; İlkay Aydoğmuş
Journal of Social Science 2424-2434
Publisher : Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jss.v4i6.667

Abstract

Tax avoidance measures are carried out because of different interests on the part of the government and the companies, where the government needs to increase state revenues through large tax revenues while the companies want taxes to be as minimal as possible because taxes are a burden that reduces profits. The research aims to examine transfer pricing, sales growth, asset intensity and Foreign Ownership affected on tax avoidance in energy companies in Indonesia. A sample of companies in the energy sector that were listed on the Indonesia Stock Exchange (IDX) between 2020 and 2022 was selected. Descriptive statistical tests, conventional assumptions, multiple regression analysis, and hypothesis testing. According to the test, the findings of this study show that transfer pricing and asset intensity has positive impacts impacts tax avoidance. Sales Growth and Foreign ownership, have a negative impact on tax avoidance
The Effect of Operational Risks for Digital Banking Services at Banks Laksana, Rio Dhani; Shaferi, Intan; Naznii, Humaira
Jurnal Manajemen Bisnis Vol 14, No 2: September 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v14i2.19302

Abstract

Research aims: This research aims to analyze active digital banking users' perceptions of bank operational risks in providing digital banking services.Design/Methodology/Approach: This research design used a quantitative approach. The population in this study was banking customers who used Internet banking services. The sample taken in this study was 240 respondents from banks in the Banyumas Regency, Central Java, Indonesia. The method performed was purposive sampling. It used five banking risk management indicators.Research findings: Most people in the Banyumas region did not agree that Internet banking had high operational risks. As such, banks need to look at other operational risks, such as service disruptions, outsourcing failures, and internal fraud.Theoretical contribution/Originality: The Technology Acceptance Model (TAM) is an information system theory that models of how users want to accept and use technology. This model proposes that when users are offered a new system, several factors influence their decision about how and when to use the system, especially regarding the usefulness, ease of use, and external factors on beliefs, attitudes, and purpose of use.Practitioners/Policy implications: This research implemented digital banking and customer perceptions of bank operational risks in providing digital banking services because they are essential for understanding the digital banking industry. Research limitations/Implications: This study only used five indicators of banking operational risks, consisting of process, human, system, external, and legal. Other aspects, such as financial, marketing, and others, have yet to be included in this banking risk research indicator. For further research, it is suggested to add research variables, not only focusing on Internet banking applications but also on other digital banking products, such as mobile banking, phone banking, and SMS banking. 
Comparative Analysis of Business Orientation, Efficiency, Financial Stability and Asset Quality in Conventional BPR and Sharia BPR Najmudin, Najmudin; Nurbaeti, Anindya Rizki; Shaferi, Intan
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 6 No 1 (2024): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2024.6.01.9967

Abstract

This paper aims to investigate the difference by comparing the financial performances of conventional and Sharia banks located in Banyumas Regency and listed in the FSA (Financial Services Authority). The technique to select the population is purposive sampling. The proxies of the financial performances include orientation of business, efficiency level, stability of finance, and quality of asset. This paper find that all four variables are significantly different in the average between conventional and Sharia rural banks.
Financial Capital and Production Demand for Value-Added Innovations in SMEs Shaferi, Intan; Nawarini, Alisa Tri; Setyanto, Refius Pradipta
Journal of International Conference Proceedings Vol 6, No 4 (2023): 2023 ICPM Tokyo Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i4.2647

Abstract

SMEs have characteristics and an important role in the economy. Its independent characteristic makes it must be able to innovate. Innovation that has meaning with added value in innovation. Several influencing factors come from internal and external SMEs. Internal factors are believed to have a fundamental strength for SMEs to innovate. One of them that was used in this research was financial capital. In addition, external factors, also have meaning for innovation. In this research, production from demand was used as variable. This study aims to examine how financial capital and demand of production affect SME innovation. The research was conducted on one hundred SMEs in the Java region of Indonesia. The research was carried out post-pandemic, in first term of 2023. The research was conducted by analyzing the intervariable using the structural equation partial least square model. The research results that financial capital and demand for production influence innovation to create added value for SMEs. Through this research, it is hoped that SMEs will be able to find out that the financial capital factor needs to be strengthened to create innovation. Besides that, production demand also has a role in SMEs seeking innovation by providing added value to their production.
Optimalisasi profitabilitas ,perluasan pemasaran dan literasi keuangan pada usaha sculpture painting cake Rio Dhani Laksana; Intan Shaferi; Alisa Tri Nawarini
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 3 (2024): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i3.25999

Abstract

Abstrak Kewirausahaan merupakan aktivitas yang dinamis. Pada usaha dengan keterampilan khusus seperti usaha pembuatan cake dan kue, wirausaha manjadi sangat penting. Hal ini karena selain keterampilan yang harus dimiliki, dalam menjalankan usaha juga perlu keterampilana manajemen, seperti pemasaran dan juga pengelolaan keuangan. Beberapa usaha atau usaha skala UMKM masih belum memiliki keterampilan keuangan atau literasi masih kurang. Karena focus pada pembuatan produksi namun belum dapat melakukan pemasaran dan keuangan. Metode Penelitian dilakukan secara kualitatif dengan observasi dan wawancara terhadap mitra untuk mengidentifikasi langsung masalah dan memberikan solusi atas permasalahan tersebut. Penelitian dilakukan bersama mitra usaha yang merupakan usaha berlabel Cake dan Catering Purwokerto. Hasil pelaksanaan ini merupakan diskusi dan materi mengenai bisnis dan wirausaha dengan tujuan memberikan dimensi manajemen keuangan, pemasaran, operasional dan sumber daya manusia untuk strategi bisnis dan usaha. Diskusi kewirausahaan memberikan arahan untuk dapat berdaya saing dalam usaha agar profit dapat dibukukan dengan baik. Hal ini diupayakan karena mitra merupakan usaha rumahan dimana terdapat kemungkinan wirausaha yang dijalankan menjadi kurang fokus dalam pencatatan keuangan. Untuk produksi karena penyedia jasa pada makanan, permintaan konsumen merupakan bagian dari inovasi dan adaptaasi yang perlu selalu dikedepankan oleh mitra. Kata kunci: profitabilitas ; pemasaran ; literasi keuangan ; sculpture painting cake. AbstractEntrepreneurship is a dynamic activity. In businesses with special skills such as cake and pastry making businesses, entrepreneurship becomes very important. This is because apart from the skills you must have, running a business also requires management skills, such as marketing and financial management. Some businesses or MSME scale businesses still do not have financial skills or literacy is still lacking. Because the focus is on making production but cannot do marketing and finance. The research method was carried out qualitatively by observing and interviewing partners to directly identify problems and provide solutions to these problems. The research was conducted with a business partner which is a business labeled Cake and Catering Purwokerto. The results of this implementation are discussions and material regarding business and entrepreneurship with the aim of providing financial, marketing, operational and human resource management dimensions for business and business strategies. Entrepreneurship discussions provide direction for being competitive in business so that profits can be recorded well. This is done because the partner is a home business where there is a possibility that the entrepreneur being run will be less focused on financial recording. For production as food service providers, consumer demand is part of the innovation and adaptation that Mitrav needs to always prioritize Keywords: profitability; marketing ; financial literacy ; sculpture painting cake.
Financial Capital and Production Demand for Value-Added Innovations in SMEs Shaferi, Intan; Nawarini, Alisa Tri; Setyanto, Refius Pradipta
Journal of International Conference Proceedings Vol 6, No 4 (2023): 2023 ICPM Tokyo Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i4.2647

Abstract

SMEs have characteristics and an important role in the economy. Its independent characteristic makes it must be able to innovate. Innovation that has meaning with added value in innovation. Several influencing factors come from internal and external SMEs. Internal factors are believed to have a fundamental strength for SMEs to innovate. One of them that was used in this research was financial capital. In addition, external factors, also have meaning for innovation. In this research, production from demand was used as variable. This study aims to examine how financial capital and demand of production affect SME innovation. The research was conducted on one hundred SMEs in the Java region of Indonesia. The research was carried out post-pandemic, in first term of 2023. The research was conducted by analyzing the intervariable using the structural equation partial least square model. The research results that financial capital and demand for production influence innovation to create added value for SMEs. Through this research, it is hoped that SMEs will be able to find out that the financial capital factor needs to be strengthened to create innovation. Besides that, production demand also has a role in SMEs seeking innovation by providing added value to their production.
The Effect of Operational Risks for Digital Banking Services at Banks Laksana, Rio Dhani; Shaferi, Intan; Naznii, Humaira
Jurnal Manajemen Bisnis Vol. 14 No. 2: September 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v14i2.19302

Abstract

Research aims: This research aims to analyze active digital banking users' perceptions of bank operational risks in providing digital banking services.Design/Methodology/Approach: This research design used a quantitative approach. The population in this study was banking customers who used Internet banking services. The sample taken in this study was 240 respondents from banks in the Banyumas Regency, Central Java, Indonesia. The method performed was purposive sampling. It used five banking risk management indicators.Research findings: Most people in the Banyumas region did not agree that Internet banking had high operational risks. As such, banks need to look at other operational risks, such as service disruptions, outsourcing failures, and internal fraud.Theoretical contribution/Originality: The Technology Acceptance Model (TAM) is an information system theory that models of how users want to accept and use technology. This model proposes that when users are offered a new system, several factors influence their decision about how and when to use the system, especially regarding the usefulness, ease of use, and external factors on beliefs, attitudes, and purpose of use.Practitioners/Policy implications: This research implemented digital banking and customer perceptions of bank operational risks in providing digital banking services because they are essential for understanding the digital banking industry. Research limitations/Implications: This study only used five indicators of banking operational risks, consisting of process, human, system, external, and legal. Other aspects, such as financial, marketing, and others, have yet to be included in this banking risk research indicator. For further research, it is suggested to add research variables, not only focusing on Internet banking applications but also on other digital banking products, such as mobile banking, phone banking, and SMS banking. 
Digital Promotion in Increasing Business Activities for the Distinctive Excellence Tempe Chips in Purwokerto Intan Shaferi; Alisa Tri Nawarini; Rio Dhani Laksana; Ary Yunanto
ABDIMAS: Jurnal Pengabdian Masyarakat Vol. 7 No. 4 (2024): ABDIMAS UMTAS: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM Universitas Muhammadiyah Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35568/abdimas.v7i4.5212

Abstract

Business activities in MSME-scale businesses still need to be improved. This is because business activities are not just about selling, but how manage a business so that the dynamics of activities continue to run in line with the ongoing economic  conditions. Promotion is an activity that must always be carried out, considering that the purpose is not only to introduce new products but also as a reminder for consumers and the public of the existence of the product. Tempeh chips are a traditional regional food, where this peculiarity needs to be promoted. Without business activities that carry digital promotion, currently MSMEs that produced tempeh chips can be left behind. Therefore, the use of the unique characteristic advantages of chips can be used to promote products while introducing the potential of the local area. Tempeh chips in Purwokerto have their own taste peculiarities because they are made original and still carry the concept of traditional food chips so that their authenticity is still maintained for their characteristic taste. This community service program partner is an MSME partner where production is produced, but it still needs efforts in terms of consistency in product introduction and also self-existence. This is because production of partner also supports other brands as suppliers. So that, digital promotion is hoped that it will add to the advantages of partner tempeh chips in Purwokerto and can provide better sales and income. The methods that will be used in this service program include problem identification, discussions with partners, providing business training which includes digital marketing and promotion with digital media and market place platforms.
Co-Authors Alisa Tri Nawarini Alisa Tri Nawarini Alisa Tri Nawarini, Alisa Tri Ary Yunanto Aydogmus, Ilkay Chandra Suparno Chandra Suparno, Chandra Dewi, Meutia Karunia Ekaningtyas Widiastuti Handayani, Sri Retno Hesti Widianti İlkay Aydoğmuş Inastasya Shafira Jaryono Jaryono Jaryono, Jaryono Laksana, Rio Dhani Laksana, Rio Dhani Lutfia Septiani Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih, Muliasari Najmudin Naznii, Humaira Nurbaeti, Anindya Rizki Pramono Hari Adi Purwadi Purwadi Retno, Sri Rio Dhani Laksana Sain, Juwita Anggraini Sejati, Maulita Nur Setyanto, Refius Pradipta Sri Retno Handayani Sri Retno Handayani Tri, Alisa Tuzaka, Eliya Wijayanto, Muhammad Fido