Article Per Year (5 Year)
p-Index From 2021 - 2026
0.983
P-Index
This Author published in this journals
All Journal Jurnal Manajemen dan Kewirausahaan (JMDK) Indonesian Marketing Journal Jurnal Kolaborasi Sains dan Ilmu Terapan Sanitas: Journal of Health, Medical, and Psychological Studie
Ratri Kurniasari
Politeknik Negeri Jakarta
Aerospace Engineering Automotive Engineering Decision Sciences, Operations Research & Management Electrical & Electronics Engineering Energy Engineering Health Professions Medicine & Pharmacology Social Sciences

Published : 5 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 5 Documents
Search

 1 
Determinasi Financial Planning dan Financial Stress terhadap Perilaku Peminjaman Ulang di Kalangan Generasi Muda Pengguna P2P Lending: Perspektif Psikologi Keuangan Abdiel Reihan; Ratri Kurniasari; Iis Mariam
Journal of Health, Medical, and Psychological Studies Vol 1 No 1 (2025): August: Sanitas: Journal of Health, Medical, and Psychological Studies
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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

Abstract

This study investigates how financial planning and financial stress influence repeated borrowing behaviour among young users of Peer-to-Peer (P2P) lending platforms through a psychological finance perspective. The research aims to measure the impact of individual financial planning and perceived financial stress on continuance intention to borrow among borrowers aged 19–34 in Depok. Data were collected through a cross-sectional survey of 100 purposively selected active P2P borrowers, using multi-item Likert scales to assess each construct. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to examine both measurement and structural models. The results demonstrated satisfactory reliability and validity (AVE > 0.50; composite reliability > 0.90) with substantial explanatory power (R² = 0.659). Financial planning exhibited a negative effect (β = −0.416, p < 0.001), while financial stress showed a positive effect (β = 0.470, p < 0.001) on continuance intention to borrow. These findings highlight the dual psychological mechanisms of rational control and emotional pressure driving repeated borrowing, suggesting the need for financial education and stress-coping programs within P2P lending ecosystems.
The Influence of Perceived Benefits and Security of QRIS Use on Behavioral Intentions Risya Zahrotul Firdaus; Yoshua Ardy Putra; Titik Purwinarti; Yulita Tri Haryani; Arizal Putra Pratama; Ridwan Roy Tutupoho; Ratri Kurniasari; Yanita Ella Nilla Chandra
Jurnal Manajemen dan Kewirausahaan Vol. 12 No. 2 (2024): December (2024)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v12i2.15027

Abstract

The purpose of this study is to find out the development of the use  of Quick Response Code Indonesian Standard (QRIS) as a digital payment method in Indonesia.This study uses the Technology Acceptance Model (TAM) to analyze the acceptance and use of QRIS among users. Data were obtained from literature studies and secondary data related to the development of QRIS in IndonesiaThe findings show that QRIS is well accepted by the general public, especially MSMEs, as a modern, fast, simple, secure, and reliable digital payment method. This is evidenced by a significant increase in the number of users and the value of QRIS transactions in Indonesia.QRIS has become an important part of the digital and financial payment ecosystem in Indonesia.The use of QRIS makes payments easier, faster, and safer for both consumers and business stakeholders, especially MSMEs. Of course, this will support Indonesia's increasingly digitized economy and contribute to the development of the country's digital economy.Further research is needed to explore the long-term impact of the use of QRIS and identify the factors influencing the adoption and use of QRIS in Indonesian society, in line with digitalization trends and changing preferences of business people.The contribution of this research can provide an overview that the use of QRIS as a means of payment can increase the effectiveness and efficiency in the payment system.
The Role of Creativity, Product Quality, and Innovation in Enhancing MSME Competitive Advantage Yanita Eella Nilla Chandra; Salsabila Farhana Andriani; Imas Chandra Pratiwi; Ratri Kurniasari
Jurnal Manajemen dan Kewirausahaan Vol. 14 No. 1 (2026): June (2026)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v14i1.17360

Abstract

Micro, Small, and Medium Enterprises (MSMEs) operating in the food and beverage (F&B) sector in Depok City face increasing competitive pressures in a rapidly evolving market environment. Despite their significant contribution to local economic development, many F&B MSMEs continue to encounter challenges related to limited creativity, inconsistent product quality, and insufficient product innovation, which may constrain the development of sustainable competitive advantage. The aim of this study is to investigate the effects of creativity and product quality on competitive advantage, with product innovation serving as a mediating variable. A quantitative explanatory research design was employed, involving 200 F&B MSMEs owners in Depok City, Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings reveal that both creativity and product quality positively and significantly influence product innovation. Product innovation, in turn, has a significant positive effect on competitive advantage. Furthermore, product innovation mediates the relationship between creativity and competitive advantage, as well as the relationship between product quality and competitive advantage. These findings underscore the critical role of product innovation in translating organizational capabilities into sustainable competitive advantage.
Perbandingan Model Deep Learning dan Transformer untuk Analisis Sentimen Ulasan Aplikasi Tokopedia Restu Jati Saputro; Ratri Kurniasari; Hana Nurdina
Jurnal Kolaborasi Sains dan Ilmu Terapan Vol. 5 No. 1 (2026): Edisi Juli - Agustus In Press
Publisher : Utiliti Project Solution

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

Abstract

Rating bintang pada ulasan aplikasi tidak selalu merepresentasikan polaritas teks. Penelitian ini membandingkan tujuh model machine learning, deep learning, dan Transformer pada 10.071 ulasan Tokopedia berbahasa Indonesia dengan label teks berbasis InSet serta rating sebagai weak-label pembanding. InSet mencakup 9,447 ulasan; label akhir terdiri atas 5,342 negatif, 1,019 netral, dan 3,710 positif. Sebanyak 4,360 label InSet berbeda dari pemetaan rating. Pada lima seed, Linear SVM memperoleh mean macro-F1 tertinggi 0,711 ± 0,000, diikuti Logistic Regression 0,709 ± 0,000. Pada seed 42, bootstrap 95% CI model terbaik adalah [0,680, 0,742], sedangkan perbedaannya dengan runner-up tidak signifikan menurut McNemar-Holm (p=0,5666). Hasil menunjukkan bahwa kesimpulan benchmark sensitif terhadap skema label dan baseline linear tetap kompetitif.
Strategi Pemasaran Digital Menggunakan Metode SOSTAC untuk Meningkatkan Engagement Rate Akun Instagram @sahabat.petani : [Digital Marketing Strategy Using the SOSTAC Method to Increase the Engagement Rate of Instagram Accounts @sahabat.petani] Muhammad Fernandi; Restu Jati Saputro; Iis Mariam; Ratri Kurniasari
Indonesian Marketing Journal Vol. 5, No. 2, September 2025
Publisher : Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/imj.v5i2.10208

Abstract

This study aims to analyze the digital marketing strategy implemented by the Instagram account @sahabat.petani, managed by PT Pupuk Indonesia (Persero), to increase its engagement rate as a key social media performance indicator. The research employs a descriptive qualitative approach with a case study method, using data obtained through interviews, observations, documentation, and literature review. The strategic analysis is conducted using the SOSTAC framework, which includes Situation, Objectives, Strategy, Tactics, Action, and Control. The findings indicate that the account’s engagement rate is still low, at 0.63%, which is below the industry average. Several contributing factors include the absence of a dedicated social media team, inconsistent content uploads, limited interaction with followers, restricted digital marketing budget, and technical barriers due to location differences between the content team and sources. The proposed strategy involves consistent content scheduling, collaboration with agricultural influencers, and targeted educational campaigns. As a result, the engagement rate improved to 4.17% in May 2025. Based on SWOT analysis and the IE Matrix, the recommended strategy is a growth strategy using the SO (Strength–Opportunity) approach—leveraging internal strengths to seize external opportunities. This strategy has proven effective in increasing the engagement rate and enhancing audience interaction on the @sahabat.petani Instagram account. Abstrak Bahasa Indonesia: Penelitian ini bertujuan untuk menganalisis strategi pemasaran digital yang diterapkan oleh akun Instagram @sahabat.petani milik PT Pupuk Indonesia (Persero) dalam meningkatkan engagement rate sebagai indikator kinerja media sosial. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan studi kasus, di mana data diperoleh melalui wawancara, observasi, dokumentasi, dan studi literatur. Analisis strategi dilakukan menggunakan metode SOSTAC yang terdiri dari Situation, Objectives, Strategy, Tactics, Action, dan Control. Hasil penelitian menunjukkan bahwa engagement rate akun masih rendah yaitu 0,63%, di bawah rata-rata industri pupuk. Beberapa faktor utama penyebabnya adalah belum adanya tim khusus media sosial, unggahan konten yang tidak konsisten, kurangnya respons admin terhadap audiens, keterbatasan anggaran digital marketing, serta kendala teknis akibat perbedaan lokasi antara tim dan sumber konten. Strategi yang dirumuskan meliputi penjadwalan konten secara konsisten, kolaborasi dengan influencer, dan kampanye edukatif. Hasilnya, engagement rate meningkat menjadi 4,17% pada bulan mei 2025. Berdasarkan analisis SWOT dan Matriks IE, strategi yang disarankan adalah strategi pertumbuhan (growth strategy) dengan pendekatan SO (Strength–Opportunity), yaitu mengoptimalkan kekuatan internal untuk memanfaatkan peluang eksternal. Strategi ini terbukti efektif meningkatkan engagement rate dan mengoptimalkan interaksi audiens di akun Instagram sahabat.petani.
Co-Authors Abdiel Reihan Arizal Putra Pratama Chandra, Yanita Ella Nilla Firdaus, Risya Zahrotul Hana Nurdina Iis Mariam Imas Chandra Pratiwi Muhammad Fernandi Restu Jati Saputro Ridwan Roy Tutupoho Salsabila Farhana Andriani Titik Purwinarti Yanita Eella Nilla Chandra Yoshua Ardy Putra Yulita Tri Haryani