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Analisis Manajemen Risiko Pada Usaha Food and Beverage (F&B) Berbasis Sosial: (Studi Kasus Pondasi Warga) Nazwa Silva Fauziah; Nindya Kirana Putri Sandy; Shabilla Risty Eka Putri; Tia Yuniarsih; Wahyuningsih; Garciano Bisuk Nathaniel Simanjuntak; Ahmad Setiawan Nuraya
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3134

Abstract

Pertumbuhan pesat sektor Food and Beverage (F&B) di Indonesia, yang menyumbang lebih dari 36% terhadap PDB industri pengolahan nonmigas, mendorong munculnya model bisnis inovatif. Pondasi Warga hadir sebagai pelopor konsep “One Stop Breakfast” berbasis sosial dengan mengusung semangat “Warga Bantu Warga”. Meskipun memiliki potensi besar dalam pemberdayaan masyarakat, Pondasi Warga dihadapkan pada tantangan dan risiko bisnis yang kompleks, terutama seiring dengan perluasan operasional. Penelitian ini bertujuan untuk mengidentifikasi, menganalisis, dan mengevaluasi jenis serta faktor penyebab risiko yang dihadapi, serta merumuskan strategi manajemen risiko yang efektif untuk menjaga keberlanjutan usaha. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan pendekatan Enterprise Risk Management (ERM) berdasarkan kerangka COSO (Committee of Sponsoring Organizations). Data primer diperoleh melalui observasi langsung dan wawancara dengan manajemen Pondasi Warga, didukung data sekunder dari publikasi Badan Pusat Statistik (BPS) terkait inflasi. Hasil analisis menunjukkan bahwa Pondasi Warga menghadapi beberapa risiko utama pada level Tinggi (High Risk) di berbagai aspek, termasuk Risiko Operasional, Risiko Lingkungan, Risiko Keuangan, Risiko Pasar, dan Risiko Pemasaran. Untuk memitigasi risiko-risiko tersebut, direkomendasikan strategi proaktif, seperti menjalin kontrak jangka panjang dengan pemasok, menetapkan safety stock, membuat jadwal maintenance rutin dengan alokasi maintenance fund, serta menerapkan strategi pemasaran yang fleksibel (promo/bundling) sebagai respons terhadap perubahan kondisi ekonomi. Penerapan ERM secara terintegrasi ini diharapkan dapat memperkuat daya tahan (resilience) dan daya saing Pondasi Warga dalam jangka panjang.
Analisis Manajemen Risiko dan Strategi Mitigasi pada Perusahaan Pembiayaan Konsumen di Indonesia Shandy Zahra Permadi; Zakia Zamielna Putri; ⁠Valendra Desilva; Adinda Rizka Febriyanti; Alvioli Putria; Ahmad Setiawan Nuraya
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3461

Abstract

Sektor pembiayaan konsumen di Indonesia saat ini tengah mengalami pertumbuhan yang cepat, namun tidak lepas dalam menghadapi risiko serta tantangan rumit. Penelitian ini berfokus pada identifikasi dan analisis tiga risiko utama yang dihadapi perusahaan pembiayaan, yaitu risiko kredit, risiko operasional, dan risiko pasar. Penelitian ini menggunakan metode kualitatif dengan memakai data primer dan sekunder yang dikumpulkan melalui wawancara dan laporan perusahaan serta dianalisis setiap 4 bulan sepanjang tahun, risiko-risiko tersebut dievaluasi menggunakan matriks risiko yang menerapkan skala frekuensi (1-5, dari jarang sampai sangat sering terjadi) dan dampak (1-5, dari rendah sampai sangat tinggi). Selain itu, penelitian ini juga meneliti hubungan antara penerapan Good Corporate Governance (GCG) dan Manajemen Risiko terhadap efektivitas mitigasi, di mana penerapan GCG yang baik dapat mendukung pengelolaan risiko. Penerapan strategi mitigasi yang efisien dan didukung oleh GCG dapat mengurangi tingkat risiko yang signifikan di perusahaan. Penelitian ini diharapkan dapat memberikan saran kepada perusahaan pembiayaan konsumen di Indonesia untuk menerapkan model manajemen risiko yang responsif dan berlandaskan GCG demi mendukung pertumbuhan perusahaan yang berkelanjutan di pasar Indonesia.  
Analisis Edukatif Kebijakan Suku Bunga Bank Indonesia Berdasarkan Taylor Rule (2022–2023) Mutia Rafa Nursawitri; Nadia Sulistyaningsih; Miranda Herdia Nova; Miftahul Jannah; Khanaya Isyabrina Maryam; Gregorius Agung Steven Simanjuntak; Ahmad Setiawan Nuraya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (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.v6i9.8466

Abstract

This study analyzes Bank Indonesia’s benchmark interest rate policy during the 2022–2023 period using the Taylor Rule approach, a simple formula that links interest rate settings with inflation conditions and the output gap. The research adopts a descriptive quantitative method. The purpose of this study is to provide a more comprehensive understanding for the general public regarding the fundamentals behind Bank Indonesia’s interest rate decisions. The data used were obtained from Bank Indonesia and Statistics Indonesia (Badan Pusat Statistik), including actual inflation and economic growth figures. The analysis results indicate that in several periods, Bank Indonesia’s decisions aligned with the Taylor Rule, particularly in the second half of 2022 when core inflation exceeded the central bank’s target. However, some deviations were observed, primarily due to external economic shocks and currency volatility considerations. The study concludes that although the Taylor Rule can serve as an initial guideline, Bank Indonesia must remain flexible in responding to economic challenges. This research is expected to enhance public understanding of how interest rate policies are formulated in Indonesia.
Analisis Pengaruh Inflasi, Suku Bunga dan Indeks Produksi Industri terhadap Pertumbuhan Ekonomi Indonesia Pascapandemi (2018-2025) Nugroho, Farhan; Alkena Sae Hafizah; Adzra Andriana; Anggun Mustika Anggraeni; Alfian Fadillah; Ahmad Setiawan Nuraya
Jurnal Riset Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v4i2.3926

Abstract

This study aims to analyze changes in Indonesia’s economic cycle patterns in the post-pandemic period, as reflected in inflation, interest rates, and the industrial production index over the 2018–2025 period. The study adopts a quantitative approach employing a multiple linear regression model. The data utilized consist of secondary time-series data obtained from Bank Indonesia and the Central Statistics Agency (Badan Pusat Statistik). The empirical results indicate that, simultaneously, the explanatory variables exert a statistically significant effect on economic growth. Partially, interest rates and the industrial production index demonstrate a positive and statistically significant influence. In contrast, inflation does not exhibit a statistically significant effect at the 10% significance level. The coefficient of determination (R-Squared) of 0.9327 suggests that the model possesses substantial explanatory power in accounting for variations in Indonesia’s economic growth. The descriptive analysis indicates that Indonesia’s economy experienced a contraction of -2,07% in 2020 due to the COVID-19 pandemic, followed by a gradual recovery throughout the 2021–2025 period. These findings imply that post-pandemic shifts in Indonesia’s economic cycle patterns are more prominently driven by interest rate policy measures and real sector recovery relative to the role of inflation.  
Pengaruh Suku Bunga Bank Indonesia terhadap Nilai Tukar Rupiah terhadap Dolar As (IDR/USD) di Indonesia Periode 2021-2026 Theresia Imelda Nelly Sianipar; Muhammad Ihsan Noviansyah; Viona Priskila Naftali Manurung; Saniyyah ‘Ulyaa; Namira Farahdiva; Ahmad Setiawan Nuraya
Jurnal Riset Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v4i2.3960

Abstract

This study aims to analyze the effect of the Bank Indonesia interest rate on the Indonesian rupiah exchange rate against the United States dollar during the 2021–2026 period. A quantitative approach was employed using monthly time-series data obtained from official sources. The analysis was conducted using multiple linear regression with the assistance of EViews software. The dependent variable in this study was the rupiah exchange rate against the US dollar, while the independent variables included the Bank Indonesia interest rate, inflation, money supply (M2), and the Federal Reserve interest rate (Fed Rate). Prior to regression estimation, all data were tested for stationarity using the Augmented Dickey-Fuller (ADF) test to ensure compliance with time-series analysis requirements. Furthermore, the model was evaluated through classical assumption tests, including normality, heteroscedasticity, multicollinearity, and autocorrelation tests, to verify the validity and reliability of the estimation results. The findings reveal that the Bank Indonesia interest rate has a significant effect on the rupiah exchange rate, with a probability value of 0.0223. This result indicates that changes in the domestic interest rate can influence movements in the rupiah exchange rate against the US dollar. In contrast, inflation, money supply (M2), and the Fed Rate were found to have no significant effect on the rupiah exchange rate during the study period. Moreover, the classical assumption tests confirmed that the regression model satisfied all required criteria, indicating that the estimated results are reliable and can serve as a reference for economic policy formulation.
Analisis Manajemen Stratejik dengan Pendekatan Sumber Daya Manusia pada Hotel Grandkemang Jakarta Rahman Raisuli; Vanessa Azahra Rohman; Akhmad Rasyid Rosidi; Herlina Reva Carita; Muhammad Alzidan Herdiansyah; Ahmad Setiawan Nuraya
Jurnal Kajian dan Penelitian Umum Vol. 4 No. 3 (2026): Juni: Jurnal Kajian dan Penelitian Umum
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jkpu-nalanda.v4i3.2391

Abstract

This study aims to analyze the implementation of strategic management with a human resource approach at Hotel Grandkemang Jakarta in facing increasingly competitive hospitality industry competition. This research used a descriptive qualitative method with a case study approach. Data were collected through interviews, observations, and documentation, then analyzed using descriptive qualitative and SWOT analysis. The results showed that Hotel Grandkemang implemented Strategic Human Resource Management (SHRM) through routine training, performance evaluation, internal promotion, and employee retention strategies. Employee service quality became the main factor in creating customer satisfaction and maintaining the company’s competitiveness. The study also found several challenges in human resource management, such as employees approaching retirement age, limited regeneration of young workers, and suboptimal technological adaptation. Based on the Resource-Based View (RBV) perspective, Hotel Grandkemang’s human resources possess valuable, rare, inimitable, and non-substitutable characteristics, making them a source of competitive advantage. This study concludes that strategic and sustainable human resource management plays an important role in maintaining service quality and business sustainability in the hospitality industry.