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All Journal International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) INCIDENTAL : JOURNAL OF COMMUNITY SERVICE AND EMPOWERMENT Journal of Accounting and Finance JAMAN: Jurnal Mahasiswa Manajemen PIMS: Paser Institute Journal of Management and Business
Jumriah Basri
Universitas Ichsan Sidenreng Rappang
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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ANALYSIS OF THE DEVELOPMENT OF PT'S FINANCIAL PERFORMANCE. BANK RAKYAT INDONESIA WHICH GOES PUBLIC ON THE INDONESIAN STOCK EXCHANGE Laura Angelina; Haeril Haeril; Jumriah Basri
Journal Of Accounting And Finance Vol 2 No 1 (2025): Hal, 01-58
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/lajonga.v2i1.144

Abstract

In the 2020-2022 period the financial performance of PT. Bank Rakyat Indonesia experienced fluctuations which gave a bad signal to stakeholders. Therefore, this research aims to analyze the financial performance ratios of PT. Bank Rakyat Indonesia from 2020-2022 using liquidity, solvency and profitability ratios. This research uses quantitative descriptive methods. The data used is secondary data in the form of PT's financial reports. Bank Rakyat Indonesia is published on the Indonesian Stock Exchange using data collection methods, namely documentation techniques. The data analysis technique used is using ratio analysis techniques in the form of liquidity consisting of the Current Ratio and Quick Ratio, solvency consisting of the Debt to Assets Ratio and Debt to Equity Ratio, and profitability consisting of Return on Assets and Return on Equity. The research results show that liquidity ratios, both CR and QR, have decreased but the percentages meet established industry standards so they are in the "good" category. The solvency ratio, namely the DAR, fluctuates with a percentage that does not meet industry standards so it is categorized as "not good", while the DER also fluctuates but the percentage meets industry standards so it is categorized as "good". As for profitability ratios, ROA and ROE experienced successive increases in each period but did not meet industry standards so they were categorized as "poor".
THE EFFECTIVENESS OF THE TOKOPEDIA CASHBACK PROGRAM ON INCREASING GENERATION Z CONSUMERS' BUYING INTEREST Amelia Amelia; Jumriah Basri
Jurnal Mahasiswa Manajemen Vol. 2 No. 1 (2025): Hal 01-61
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jaman.v2i1.266

Abstract

Cashback programs have become one of the most popular digital marketing strategies used by various e-commerce platforms to encourage consumer purchasing decisions. This study was conducted to examine the effectiveness of Tokopedia’s cashback program in increasing purchase intention, particularly among Generation Z, who are known for their high levels of consumption and sensitivity to price offers and promotions. The research employed a quantitative approach, distributing questionnaires to respondents aged 18 to 27 who actively make transactions on Tokopedia. The collected data were then analyzed through validity, reliability, and simple linear regression tests to measure the relationship between the cashback program and consumer purchase intention. This study is expected to provide an empirical overview of the effectiveness of cashback programs on Generation Z shopping behavior and offer recommendations for e-commerce actors to develop more relevant, appealing, and sustainable promotional strategies.
PENGARUH PENGGUNAAN E-WALLET TERHADAP POLA KONSUMSI GENERASI Z DI INDONESIA Shindi Nirmalasari; Jumriah Basri
Jurnal Mahasiswa Manajemen Vol. 2 No. 1 (2025): Hal 01-61
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jaman.v2i1.288

Abstract

Pemakaian E-wallet bisa mengubah perilaku konsumsi pada generasi Z disebabkan mudahnya bertransaksi serta berbagai promosi yang dinerikan. E-wallet membuat belanja menjadi sangat mudah dan implusif, memungkinkan pengeluaran yang boros karena membeli sesuatu yang yang tidak direncanakan. Perkembangan teknologi digital telah memajukan kemudahan transaksi non-tunai dengan berbagai macam aplikasi e-wallet seperti ShopeePay, DANA, GoPay, dan lainnya. Generasi Z yang terkenal sebagai generasi digital menjadi pengguna paling banyak layanan tersbut, diperkirakan menjadi pengaruh pada pola konsumsi mereka. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survey kepada generasi Z yang aktif menggunakan e-wallet. Data yang dihasilkan pada artikel ini yaitu dengan cara membuat kuesioner melalui google form yang didalamnya berisikan pertanyaan mengenai penggunaan e-wallet yang memiliki pengaruh kecenderungan perubahan pola konsumsi dalam memenuhi kebutuhan dan keinginannya. Artikel ini memiliki tujuan mengetahui sisi negatif dari penggunaan e-wallet khususnya bagi kalangan generasi Z yang lebih cenderung konsumtif dalam pemakaiannya dan menganalisis faktor-faktor penyebabnya. Terutama didukung oleh kemudahan dalam pemakaian e-wallet. Dengan adanya penelitian ini, diharapkan menjadikan edukasi bagi pembaca dalam pemakaian e-wallet agar terhindar dari perilaku konsumtif.
PENGARUH DIGITAL MARKETING TERHADAP VOLUME PENJUALAN ROTI O Nentyn Aprilia Yonita; Jumriah Basri
Paser Institute Management and Busines Vol 3 No 2 (2025): Hal
Publisher : PIRSAP (Paser Institute for Scientific Research and Publications)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The very rapid development of technology in today’s digital era has caused a change in mondset from conventional marketing to digital marketing to reach customer more quickly and flexibly. Researchers conducted this research with the aim of identifying whether or not there is an influence of digital marketing on increasing sales volume for Roti O products. The quantitative approach method in this research uses descriptive verification research. Data was obtained from 96 respondents who are cunsumers of Roti O products. The conclusion of this research shows that digital marketing has a positive and significant influence of the sales volume of Roti O products, based on the t-calculated value of 8,015 which is greater than the t-table value of 1,661.
FINANCIAL LITERACY AND MARKETING DIGITALIZATION GUIDANCE FOR ALFI MEAT GRINDING UMKM IN PINRANG REGENCY jumriah basri; A. Kartini Sari Putri D; Ari Ayu; Auliyah Nurwafiyyah; Muhammad G. Try Heady; Andi Sri Kumala Putri
INCIDENTAL : Journal Of Community Service and Empowerment Vol 5 No 1 (2026): INCIDENTAL : Journal of Community Service And Empowerment
Publisher : Pusat Studi Ekonomi Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/ijcse.v5i1.2553

Abstract

The main objective of this community service activity is to improve financial literacy and optimize digital marketing for the Alfi Meat Grinding MSME in Pinrang Regency. The implementation method involves intensive mentoring for the owner and workforce through systematic bookkeeping education and digital-based promotion techniques. The results show a significant transformation, where the business actor now understands the urgency of separating business and personal finances as the foundation for sound business management. The establishment of a neat, simple bookkeeping system allows for better cash flow transparency for operations. Increased awareness in utilizing social media as a promotional channel has proven effective in expanding market reach. Through this continuous mentoring, the Alfi Meat Grinding MSME is expected to achieve economic independence, improve competitiveness in an increasingly competitive market, and make a positive contribution to the stability and growth of the creative economy in the Pinrang Regency area in a sustainable and measurable way for the improvement of local community welfare.
Addressing the Anxiety Surrounding Loans and Mitigating Capital Deficiencies for MSME Advancement Jumriah Basri; Suriadi Suriadi; Amrizal Salida; Yahya Yahya; A. Kartini Sari Putri D
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 8 No. 2 (2025): January - June Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v8i2.2854

Abstract

The critical role of Micro, Small, and Medium Enterprises (MSMEs) in driving economic growth and fostering social stability is well-recognized globally. These enterprises are the backbone of economies, contributing significantly to employment creation, innovation, and equitable income distribution. However, despite their potential, MSMEs face persistent challenges that hinder their growth and sustainability, with access to capital and loan-related anxieties standing out as primary barriers. This study aims to identify the factors that cause anxiety of Micro, Small, and Medium Enterprises (MSME) about capital loans and develop strategies to mitigate capital shortages to encourage the progress of MSMEs. This research employed a qualitative approach involving in-depth interviews with ten microenterprise actors engaged in beverage sales in Pangkajenne City. The participants were selected based on specific criteria: they had been operating for a minimum of one year, offered a diverse range of beverage products, and reported experiencing anxiety related to the need for capital. Research has found that loan-related anxiety is mainly caused by uncertainty of returns, ignorance of loan terms, and social stigma related to default. On the other hand, mitigation strategies such as financial literacy training, simplification of the loan application process, and access to flexible microfinance schemes have proven effective in reducing the concerns of MSME actors. This study was limited to a sample of MSMEs in specific regions and did not cover all business sectors. In addition, this study must discuss in depth the influence of macroeconomic factors on MSME capital access. This research provides valuable insights into the relationship between loan anxiety and capital shortages and offers relevant mitigation strategies. The results of this study enrich the literature on MSME financial management, especially in the context of developing countries. This study combines the perspectives of MSME actors and financial service providers to understand the dynamics of loan-related anxiety, which has been previously underexplored in the literature.
Co-Authors A. Kartini Sari Putri D A. Kartini Sari Putri D Amelia Amelia AMRIZAL SALIDA Andi Sri Kumala Putri Ari Ayu Auliyah Nurwafiyyah Haeril Haeril Laura Angelina Muhammad G. Try Heady Nentyn Aprilia Yonita Shindi Nirmalasari Suriadi Yahya Yahya