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All Journal PRIVE: Jurnal Riset Akuntansi dan Keuangan Journal on Education JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Cakrawala Ilmiah International Journal of Management and Business Economics Trending: Jurnal Manajemen dan Ekonomi Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Penelitian Pendidikan Indonesia Manivest: Jurnal Manajemen, Ekonomi, Kewirausahaan, Dan Investasi Maneggio Jurnal Manajemen, Bisnis dan Kewirausahaan Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Nersiwad
Departement Of Economics, Universitas Islam Majapahit, Mojokerto
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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ANALISIS PENERIMAAN QRIS DI KALANGAN UMKM Alfiana Alfiana; Nika Sintesa; Toto Heru Dwihandoko; Eko Budi Lestari; Nersiwad Nersiwad
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1528

Abstract

The purpose of this study is to analyze the acceptance of QRIS among MSMEs. This research approach collects data through literature studies, which involve reading literature from various sources including books, articles, journals and reports using qualitative and deductive approaches. The findings in this study are that the acceptance of QRIS among MSMEs has benefits and positive impacts in simplifying and accelerating the payment system, facilitating monitoring and analyzing transaction history and financial arrangements, improving merchant business performance, developing MSME growth, encouraging efficiency in the economic sector, and accelerating inclusive finance. However, there are still obstacles such as unstable internet connections, security issues and transaction readability, and admin deductions on QRIS. Therefore, with the right strategy, such as education and training, improving digital infrastructure, promotion and incentives, and improving system security, QRIS can be more widely accepted and utilized by MSMEs.
Digital Transformation in Operations Management: Leveraging Technology to Improve Business Efficiency Desman Serius Nazara; Agung Sutrisno; Nersiwad; Mohammad Muslimin
Maneggio Vol. 1 No. 5 (2024): Maneggio-Oct
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/89zxt284

Abstract

Digital transformation in operations management has become an urgent need for companies to improve efficiency, productivity, and competitiveness in the face of an increasingly complex and competitive business environment. Digital technologies such as the Internet of Things (IoT), artificial intelligence (AI), robotics, and big data provide opportunities for companies to optimize various aspects of operations. This article aims to explore how digital transformation can be applied in operations management to support these goals. The research method used is a literature review, where various previous studies and industry reports are analyzed to identify the benefits, challenges, and impacts of digital technology implementation on business operations. The results show that the implementation of digital technology enables companies to speed up workflows, reduce costs, improve process accuracy, and prepare the foundation for continuous innovation. In the discussion, it is also explained that although there are challenges in terms of investment costs, training, and data security, companies that successfully overcome these barriers will gain a significant competitive advantage. The implications of these findings are the importance of continued investment in technology and human capital development, as well as the adoption of sustainability strategies to support long-term growth.
Pengaruh Penghargaan, Hukuman, dan Lingkungan Kerja terhadap Kinerja Kerja: Studi pada UD Anugrah, Brangkal Sooko Mojokerto Lingstyana Anggela Octavia; Nersiwad Nersiwad; Kasnowo Kasnowo
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 2 (2025): Agustus : Jurnal Manajemen, Bisnis dan Kewirausahaan (JUMBIKU)
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v5i2.5699

Abstract

This study aims to determine the effect of rewards, punishments, and the work environment on employee performance at UD Anugrah, a company engaged in the small and medium enterprise (SME) sector located in Brangkal, Sooko, Mojokerto. This study uses a quantitative approach with a survey method through a closed questionnaire, which was distributed to 30 permanent employees who have worked for a minimum of five years. This criterion was chosen to ensure that respondents have sufficient work experience to understand the organizational culture and managerial policies implemented in the company. The data analysis technique used was Partial Least Square–Structural Equation Modeling (PLS-SEM) with the help of SmartPLS software, which allows for a comprehensive analysis of latent relationships between variables even with a small sample size. The results show that rewards and punishments have a significant positive effect on employee performance, meaning that the more appropriate and consistent the rewards and punishments given, the higher the employee performance. The rewards in question can be financial or non-financial incentives such as recognition and promotion, while punishments are more corrective to work discipline violations. On the other hand, work environment variables were found to have no significant effect, although descriptively several respondents mentioned the importance of comfort and job security. These findings emphasize that HR management in the SME sector needs to pay special attention to reward systems and work discipline as key factors in increasing productivity. This research is expected to serve as a strategic reference for SMEs in designing more effective, efficient employee management policies oriented toward long-term performance improvement. Furthermore, it is crucial for management to regularly evaluate the effectiveness of the systems in place and the penalties applied.
Risk management analysis and investment strategy on forex online trading Hartono Hartono; Nersiwad Nersiwad; Mohammad Muslimin; Fachrudy Asj'ari; Moses Martins
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 10 No. 2 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020242657

Abstract

The purpose of this study is to analyze risk management and investment strategies in Forex Online Trading. The method used in this study is a qualitative method with a descriptive description. Data collection techniques using qualitative analysis. The results show that risk management in Forex Online Trading can be reviewed through risks that can be reached by traders, as well as market risks that cannot be reached by traders. The first risk can be reviewed through total equity risk and trading position risk, while market risk can be reviewed through portfolio diversification, understanding price changes and volatility, and understanding leverage and margin. An investment strategy in Forex Online Trading can be considered through four types of methods, namely the Martingale trading strategy, the Trading by News strategy, and the Pending Order strategy.
PENDAMPINGAN DIGITAL MARKETING UNTUK MENINGKATKAN OMZET UMKM LOKAL Lisna Bantulu; Hartono Hartono; Alya Elita Sjioen; Rini Armin; Nersiwad Nersiwad
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 3 (2026): Vol. 7 No. 3 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i3.58755

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kemampuan pemasaran digital dalam meningkatkan omzet pelaku UMKM lokal. Pelaksanaan kegiatan dilakukan melalui sosialisasi, pelatihan, praktik langsung, pendampingan, monitoring dan evaluasi. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan peserta mengenai konsep dasar digital marketing dan pemanfaatan media sosial sebagai media promosi usaha. Selain itu, peserta mengalami perkembangan keterampilan dalam pembuatan konten pemasaran digital, seperti fotografi produk, desain visual promosi, dan penyusunan caption pemasaran yang lebih komunikatif. Pelaku UMKM juga mulai mampu mengelola platform digital dan marketplace secara lebih efektif untuk mendukung kegiatan promosi dan pelayanan kepada konsumen. Program pendampingan ini memberikan dampak positif terhadap meningkatnya aktivitas promosi digital, interaksi dengan konsumen, serta perluasan jangkauan pasar. Dari aspek ekonomi, sebagian besar peserta mengalami peningkatan jumlah pesanan dan perkembangan omzet usaha setelah menerapkan strategi pemasaran digital. Selain itu, kegiatan ini juga turut membentuk pola pikir pelaku UMKM yang lebih adaptif terhadap perkembangan teknologi dan inovasi pemasaran modern. Secara keseluruhan, program pendampingan ini dapat dinilai berhasil dalam meningkatkan kapasitas pelaku UMKM lokal.
Kakeibo Method Training: A Japanese Savings Technique to Improve the Risk Management of Housewives in Villages: Pengabdian Gesty Ernestivita; Vidya Ramadhan Putra Pratana; Hartono Hartono; Nersiwad Nersiwad; Mohammad Muslimin
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 1 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 1 (Juli 2026 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i1.7242

Abstract

Ketidakstabilan ekonomi rumah tangga di pedesaan dipengaruhi rendahnya literasi keuangan dan kemampuan mengelola risiko. Ibu rumah tangga sebagai pengelola keuangan keluarga umumnya masih mengandalkan cara intuitif tanpa pencatatan. Kegiatan pengabdian kepada masyarakat (PkM) ini bertujuan meningkatkan kapasitas pengelolaan risiko keuangan keluarga melalui pelatihan Metode Kakeibo, teknik pembukuan rumah tangga tradisional Jepang berbasis pencatatan manual dan pengeluaran yang bijaksana. Program dilaksanakan di empat desa pada Pulau Sumatera, Jawa, Sulawesi, dan Kalimantan dengan melibatkan 160 ibu rumah tangga (40 peserta per wilayah). Metode yang digunakan adalah Community-Based Research (CBR) adaptif melalui analisis kebutuhan, pelatihan interaktif, simulasi Kakeibo dan strategi amplop, serta pendampingan selama 30 hari. Hasil pra-tes dan pasca-tes menunjukkan peningkatan literasi keuangan dari 34% menjadi 87%. Sebanyak 78% peserta juga berhasil menabung 15–25% dari pengeluaran bulanan untuk dana darurat. Program ini membuktikan Metode Kakeibo efektif, relevan, dan mudah diterapkan di pedesaan karena tidak bergantung pada teknologi digital, serta layak direplikasi oleh kader PKK untuk memperkuat ketahanan ekonomi keluarga.
The Effect of Work-Life Integration and Quiet Quitting on Gen Z Employee Productivity: Sem Equation Model: Penelitian Ida Farida; Djoko Wijono; Diana Anggraini Kusumawati; Mohammad Muslimin; Nersiwad Nersiwad
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 April - Juni
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.6249

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Integrasi Kerja-Kehidupan (Work-Life Integration/WLI) dan fenomena Pengunduran Diri Diam-diam (Quiet Quitting) terhadap produktivitas karyawan Generasi Z (Gen Z) menggunakan pendekatan Structural Equation Modeling (SEM). Di era digital yang mengaburkan batasan antara ruang profesional dan pribadi, Gen Z cenderung mengadopsi integrasi alih-alih keseimbangan konvensional. Namun, tekanan beban kerja yang konstan seringkali memicu pengunduran diri diam-diam, suatu kondisi di mana karyawan hanya bekerja sesuai dengan deskripsi pekerjaan minimum tanpa keterikatan emosional. Penelitian ini menggunakan data primer dari kuesioner yang dibagikan kepada karyawan Gen Z di berbagai sektor industri di Indonesia. Analisis SEM digunakan untuk menguji hubungan struktural antar variabel dan kekuatan efek jalur (path analysis). Hasil penelitian menunjukkan bahwa Integrasi Kerja-Kehidupan memiliki pengaruh positif terhadap produktivitas jika didukung oleh otonomi kerja, sedangkan Pengunduran Diri Diam-diam memiliki korelasi negatif yang signifikan dengan kinerja jangka panjang dan inovasi individu. Temuan ini berkontribusi pada literatur manajemen sumber daya manusia tentang perilaku organisasi generasi terbaru di pasar tenaga kerja global.
Hedonic Lifestyle And Social Interaction As A Moderating Variable of The Influence of Brand Ambassadors on Customer Satisfaction: Penelitian Iwan Adinugroho; Johannes P. Kumagaya; Muhammad Aqshel Revinzky Nizar; Nersiwad; Hartono
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.5363

Abstract

This study aims to investigate the moderating role of hedonic lifestyle and social interaction in the relationship between brand ambassador use and customer satisfaction. Amidst intense global brand competition, selecting public figures as brand ambassadors has become a key strategy to increase consumer trust and satisfaction. However, the effectiveness of this strategy often depends on the psychographic and sociological characteristics of consumers themselves. Using a quantitative method with a survey approach on 350 respondents who use beauty products, the data were analyzed using Structural Equation Modeling (SEM). The results show that brand ambassadors have a positive and significant influence on customer satisfaction. Key findings reveal that social interaction significantly strengthens this influence, while hedonic lifestyle acts as an emotional catalyst that increases expectations and satisfaction with the brand. The implications of this study suggest that marketing managers should focus not only on the popularity of brand ambassadors, but also on the social ecosystem and lifestyle of the target audience to optimize long-term satisfaction.
Faktor - Faktor yang Mempengaruhi Kinerja Pegawai pada Pia “Wijaya” Naluri Nafi’ Annurudzati; Nersiwad Nersiwad; Budi Utami
Manivest : Jurnal Manajemen, Ekonomi, Kewirausahaan, dan Investasi Vol. 1 No. 2 (2023): Desember, Manivest : Jurnal Manajemen, Ekonomi, Kewirausahaan, dan Investasi
Publisher : Universitas Katolik Widya Karya Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37832/manivest.v1i2.48

Abstract

Companies with high performance can plan various policies. Performance is the result of work in quality and quantity achieved by a person in carrying out their duties in accordance with the responsibilities given to them. Humans as the wanting creature means that humans naturally have various desires and needs that will never run out. It is with this aim to fulfill the desires and needs that humans work. The purpose of this research is to find out whether motivation has a partial effect on employee performance at Pia Wijaya, to find out whether the work environment has a partial effect on employee performance at Pia Wijaya, to find out whether salary has a partial effect on employee performance at Pia Wijaya, to find out whether work discipline has a partial effect on employee performance at Pia Wijaya, to find out whether job satisfaction has a partial effect on employee performance at Pia Wijaya and to find out whether motivation, work environment, salary, work discipline, and job satisfaction have a simultaneous effect on employee performance . In this study, researchers used a type of quantitative research. The quantitative approach is an approach in research that uses numbers to analyze the relationship between variables (Sugiyono, 2014). The results in this study are that the significance value of X1 is 0.199 > 0.05, which means that X1 does not affect Y or motivation does not affect employee performance at PIA WIJAYA, the significance value of X2 is 0.530 > 0.05, which means that X2 does not affect Y or work environment has no effect on employee performance, the significance value of X3 is 0.793 > 0.05, which means that X3 has no effect on Y or salary has no effect on employee performance, the significance value of X4 is 0.275 > 0.05, which means that work discipline X4 has no effect on Y or work discipline has no effect on employee performance. The effect of job satisfaction on employee Y performance, the significance value of X5 is 0.914 > 0.05, which means that X5 has no effect on Y or job satisfaction has no effect on employee performance, a significance result of 0.735 which is greater than 0.05. Thus it can be concluded that there is no simultaneous influence of X1, X2, X3, X4 AND X5 on Y.
Pengaruh Emotional Intelligence, Beban Kerja, dan Disiplin Kerja Terhadap Kinerja Karyawan CV. Alas Veenuz Trawas Shintya Putri Anggraini; Nersiwad Nersiwad; Kasnowo Kasnowo
Trending: Jurnal Manajemen dan Ekonomi Vol. 4 No. 1 (2026): Januari : Trending: Jurnal Manajemen dan Ekonomi
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/trending.v4i1.7774

Abstract

Alas Veenuz Trawas is a nature-based tourist destination in Trawas, Mojokerto, East Java, where visitor numbers rise and fall with the season. This seasonal pattern brings a recognizable strain on employees: service becomes inconsistent, complaints take longer to resolve, and fatigue grows visible among staff signs suggesting that performance here cannot be explained by operational standards alone, but is also shaped by psychological and behavioral conditions. This study set out to examine three such conditions emotional intelligence, workload, and work discipline and their combined effect on how employees perform. All 80 employees at the site were surveyed using a Likert-format questionnaire, following an explanatory, cross-sectional design; multiple linear regression was applied to analyze the collected data in SPSS 26, after the instrument passed checks for validity and reliability and the regression model cleared each classical assumption test. Two of the three predictors, emotional intelligence and work discipline, were found to raise performance significantly, while workload pulled it down just as significantly. Combined, the three variables accounted for 71.1% of the variance in performance outcomes. The implication is straightforward: sustaining service quality in a seasonal, nature-based tourism business depends on keeping workload in check while continuing to build emotional skills and discipline among staff.
Co-Authors Afni Yeni Agung Sutrisno Alfiana Alfina Indar Rohmawati Bantulu, Lisna Budi Utami Diana Anggraini Kusumawati Djoko Wijono Dwihandoko, Toto Heru Eko Budi Lestari Fachrudy Asj'ari Gesty Ernestivita Hartono Hartono Hartono Hartono Ida Farida Iwan Adinugroho Jenny Nancy Kaligis Johannes P. Kumagaya kasnowo, kasnowo Lingstyana Anggela Octavia Mohammad Muslimin Moses Martins Muhamad Risal Tawil Muhammad Aqshel Revinzky Nizar Musran Munizu Naluri Nafi’ Annurudzati Nazara, Desman Serius Nur Alam Rena Augia Putrie Rini Armin Risa Alfiah Menganti Rofida Wijayantiningsih Ryan Bagus Priadi Selvira Ayu Nur Chintya Sari Shintya Putri Anggraini sintesa, nika Siti Muclisi Rohma Nurfarida Stellamaris Metekohy suwarsito suwarsito Teguh Sugiharto Veby Shafira Vidya Ramadhan Putra Pratana Wahyu Solanda Putri