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Journal : Journal of Education, Humaniora and Social Sciences (JEHSS)

Analysis of the Relationship between Capital Structure and Financial Performance in Indra Karya Sewing Services Business Zai, Yumelsin; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 3 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i3.2571

Abstract

This article analyzes the relationship between capital structure and financial performance in the Indra Karya Tailor sewing service business in Sendang Waru Market, Pringapus, Semarang Regency. This study uses a qualitative approach with in-depth interviews with five respondents, consisting of business owners, employees, and regular customers. Data analysis was conducted using thematic techniques to identify relevant patterns and findings. The results of the study indicate that an effective capital structure is managed through a balance between equity and loans, diversification of raw material sources, and control of operational costs to maintain financial stability. The strategy to improve business performance focuses on improving product quality, design innovation, and responsive service to customer needs. High customer satisfaction has a direct impact on loyalty and increased revenue, which supports long-term business sustainability. As a recommendation, business owners are advised to optimize their capital structure by reducing dependence on short-term loans, expanding their supplier network to reduce production costs, and improving customer service through a more flexible and interactive ordering system. With this strategy, business competitiveness can be strengthened in the competitive sewing service industry.
The Influence of Financial Literacy, Financial Technology, and Financial Inclusion on the Performance of Savings and Loan Cooperatives Gea, Yelda Nispa; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 3 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i3.2557

Abstract

This article aims to analyze the influence of financial literacy, financial technology, and financial inclusion on the performance of savings and loan cooperatives in Ungaran District. This study involved 100 respondents consisting of cooperative managers and members, with data collected through structured questionnaires and analyzed quantitatively using multiple linear regression. The results showed that financial literacy has a significant positive effect on cooperative performance (? = 0.198, p < 0.01), indicating that an increased understanding of financial management and financial products effectively supports better financial decision-making. Financial technology also showed a very significant positive impact (? = 0.586, p < 0.001), indicating that the adoption of digital solutions and fintech innovations drastically improves operational efficiency and service quality. In contrast, the effect of financial inclusion was not significant (? = -0.191, p > 0.05), allegedly caused by obstacles in optimizing service utilization, low levels of member understanding, and regulatory and infrastructure barriers that still need to be improved. These findings imply that increasing literacy and technology adoption are key to improving cooperative performance, while financial inclusion strategies need to be further evaluated. The practical implications of this study encourage cooperatives to conduct regular training, integrate fintech solutions, and develop more holistic inclusion strategies to support competitiveness and sustainability in the digital era.
Strategi Pengelolaan Laba Harian dalam Meningkatkan Keberlanjutan Usaha Pedagang Pasar Kembangsari, Kecamatan Tengaran Lahagu, Eduard Emerik; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 4 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), May
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i4.2618

Abstract

This article aims to analyze the challenges in managing daily profits faced by traders in Kembangsari Market and the factors that support the sustainability of their businesses. The problem focuses on the main obstacles that affect profit management, such as fluctuations in the price of goods, difficulty in obtaining additional capital, lack of financial literacy, and competition with modern retailers. To approach this problem, this study uses the theory of small business financial management and a business sustainability approach. Data were collected through direct observation and in-depth interviews with traders and analyzed qualitatively. The results of the study indicate that although traders have a fairly good profit recording and allocation strategy, they still face various obstacles that have the potential to hinder business growth. However, family support, utilization of technology, education and training, and networks with suppliers are supporting factors for the sustainability of their businesses. This study concludes that better strategies in financial recording, wider access to capital, business digitalization, and product diversification can help traders in Kembangsari Market increase their profitability and competitiveness amidst existing challenges.
Pengaruh Work-Life Balance dan Motivasi Kerja terhadap Kinerja Karyawan di PT Sumber Bintang Rejeki Semarang Hia, Maifan Mariani; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 4 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), May
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i4.2623

Abstract

This article analyzes the influence of Work-Life Balance and Work Motivation on Employee Performance in the manufacturing industry. Work-Life Balance is measured based on perceptions of time management, workload, and flexibility, while Work Motivation is seen from intrinsic factors (rewards, recognition) and extrinsic factors (incentives, career opportunities). The study used a quantitative approach with a survey of 100 respondents selected through purposive sampling. Multiple linear regression analysis showed that both variables had a positive and significant effect on employee performance, with a coefficient of ? = 0.312 for Work-Life Balance and ? = 0.428 for Work Motivation (p < 0.05). This study has limitations in sample size and sampling methods, which affect the generalizability of the results. Therefore, further studies are recommended using larger and random samples. These findings recommend companies to adopt flexible work policies, support work-life balance, and increase motivation through rewards and career development in order to increase employee productivity and retention sustaina
Analisis Persepsi Manajemen Risiko Keuangan dalam Koperasi Simpan Pinjam: Studi pada Faomasi Baluse Mandiri di Ungaran Zebua, Elman Septianus; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 4 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), May
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i4.2619

Abstract

This article aims to explore stakeholder perceptions of financial risk management in Koperasi Simpan Pinjam Faomasi Baluse Mandiri, Ungaran. The focus of the study is on the implementation of financial risk management policies and the challenges faced in managing cooperative risks. To approach this issue, theoretical references on financial risk management and cooperative governance were utilized. Data were collected through in-depth interviews with cooperative management, financial staff, and cooperative members, as well as direct observations and document analysis. The data were analyzed qualitatively using a thematic approach. The findings indicate that the cooperative has implemented policies such as loan restrictions, creditworthiness evaluation, income diversification, and regular financial monitoring and audits. These policies have contributed to reducing the risk of bad loans and enhancing the cooperative's sustainability. However, the cooperative still faces challenges such as low member awareness of financial policies, economic uncertainty affecting the cooperative's financial stability, varying levels of member compliance in loan repayments, and limited resources for risk management. This study concludes that to strengthen financial risk management, the cooperative needs to improve members' financial literacy, adopt digital technology in financial systems, and implement risk mitigation strategies that are more adaptive to economic and regulatory changes.
The Role of Credit Provision in Increasing the Income of Cooperative Members of Artha Sendang Mukti Cooperative in Klepu: Analysis of Consumptive Behavior Farihah, Fikri; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 3 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i3.2572

Abstract

This study aims to analyze the effect of credit provision and consumer behavior on increasing the income of cooperative members. The urgency of this study lies in the importance of optimizing the use of cooperative credit in improving the welfare of its members, especially amidst economic challenges that require wiser financial management. This study uses a quantitative approach with a survey method of 124 cooperative members selected using a purposive sampling technique. Respondents were asked to provide information related to their credit receipts and consumption habits. The data collected were analyzed using multiple linear regression to measure the effect of the two independent variables on the dependent variable, namely the increase in income of cooperative members. The results of the study indicate that credit provision has a significant effect on increasing income, with each one-unit increase in the credit provision variable contributing to an increase in income of 0.511. In contrast, consumer behavior does not have a significant effect on increasing income, indicating that the use of credit for consumption does not have a major impact on the economic welfare of cooperative members. The implications of this study emphasize that cooperatives need to focus more on providing credit for productive purposes, such as business investment and economic development of members. In addition, cooperatives are advised to provide more intensive financial education to their members so that they can manage credit more wisely and maximize its benefits in increasing income.
Optimalisasi Manajemen Keuangan melalui Pemanfaatan Teknologi Fintech: Studi pada BRI Link ARNAWAMA Klepu Nazara, Herwian Putri Asih; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 4 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), May
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i4.2620

Abstract

This article aims to analyze the optimization of financial management through the utilization of financial technology (fintech) at BRI Link ARNAWAMA Klepu. The problem focuses on how fintech implementation can improve financial management efficiency, transaction transparency, and accessibility to financial services for the community. To approach this issue, theoretical references from financial management, fintech, and financial inclusion are used. Data were collected through direct observation, interviews with BRI Link agents, and financial transaction documentation, which were analyzed qualitatively. The results show that fintech utilization has improved operational efficiency, reduced financial recording errors, and accelerated transaction processes. Additionally, fintech has contributed to expanding financial service access for communities with limited banking access. This study concludes that the application of fintech in BRI Link ARNAWAMA Klepu’s operations not only optimizes financial management for agents but also promotes increased financial literacy and inclusion in society, creating a more transparent, efficient, and accessible financial system.
Financial Management Efficiency Strategy in the Boarding House UMKM Sector Sifa, Rizkika Astha; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 3 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i3.2559

Abstract

This article aims to analyze the financial management strategies implemented at Kost Gabriela to achieve operational efficiency and tenant satisfaction. This study focuses on operational cost management, cash flow control, and competitive rental pricing. Data were collected through interviews with boarding house owners and tenants, as well as direct observation for three months. The analysis was conducted qualitatively to identify patterns in financial management strategies. The results showed that controlling operational costs, including facility maintenance, efficient energy use, and cooperation with local partners, successfully increased efficiency without reducing service quality. Competitive pricing strategies also contributed to tenant satisfaction levels. However, inadequate internet access is a major challenge, reducing tenant comfort and potentially affecting the competitiveness of boarding houses amid the increasing need for stable internet connections. Overall, this study confirms that effective financial management strategies can create a balance between cost efficiency and customer satisfaction, which ultimately supports the sustainability of Kost Gabriela's business. Improvements in internet infrastructure are recommended to increase competitiveness and maintain tenant loyalty.
Strategi Penerapan Teknologi Informasi dan Dampaknya terhadap Kinerja Keuangan Indogrosir Semarang Virmansah, Reza Adi; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 4 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), May
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i4.2625

Abstract

This article aims to analyze the impact of information technology implementation on operational efficiency and financial performance at Indogrosir Semarang. The focus of the study is on the contribution of information technology systems—such as Enterprise Resource Planning (ERP), Customer Relationship Management (CRM), and Point of Sale (POS)—in improving inventory management efficiency, employee productivity, and marketing strategy effectiveness. This study uses a qualitative approach with a theoretical basis from operational management and management information systems. Data were obtained through direct observation, interviews with management, and analysis of financial reports before and after technology implementation.  The results of the study indicate that the implementation of information technology optimizes the restocking process, reduces stock errors, and accelerates sales transactions. On the financial side, there is an increase in net profit margin, operational cost efficiency, and financial report accuracy. However, the implementation process also faces challenges in the form of high initial investment costs, employee resistance to change, and data security risks. This study contributes to the development of practices in operational management and information systems, especially in the context of digital transformation in the wholesale retail sector. In addition, these findings can be a reference for other companies that want to adopt similar technology systems. The limitations of this research lie in the qualitative approach which is contextual in nature, so that the results cannot be generalized widely without additional studies in other companies with different characteristics.
Analisis Penerapan Akuntansi pada Usaha Kos di Desa Secang Samban: Studi tentang Pengelolaan Keuangan, Pencatatan Transaksi, dan Pelaporan Keuangan untuk Meningkatkan Efisiensi Bisnis Manao, Irene Jeniart; Hendrajaya, Hendrajaya
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 4 (2025): Journal of Education, Humaniora and Social Sciences (JEHSS), May
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i4.2621

Abstract

This article aims to analyze the application of accounting in boarding house businesses in Secang Samban Village and identify the obstacles faced by business owners in financial management. The problem focuses on financial records that are still done manually and the minimal use of technology in managing cash flow. In order to approach this problem, theoretical references from managerial accounting and accounting information systems are used. Data were collected through observation, interviews, and documentation with descriptive qualitative research methods. The results of the study indicate that the majority of boarding house business owners have not implemented a systematic accounting system, so that financial records are less than optimal. The main factors that are obstacles are limited understanding of accounting, lack of time to do routine records, and low adoption of technology in bookkeeping. This study concludes that basic accounting education and training, as well as the use of digital bookkeeping applications, can be a solution to increasing the effectiveness of financial records and supporting more professional and sustainable boarding house business management.