Garuda - Garba Rujukan Digital

Analysis of Regional Own-Source Revenue, General Allocation Fund, Special Allocation Fund and Economic Growth on the Local Government Capital Expenditure Stellamaris Metekohy; Donny Dharmawan; Ratnawita Ratnawita; Ida Harahap; Musran Munizu
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 2 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5016

In comparison to other regional expenditures, the capital expenditure allocation in the West Nusa Tenggara Province District Budget remains relatively small. While capital expenditure fluctuates, it is allocated for public service such as facilities and infrastructure where West Nusa Tenggara Province district have growing populations. This purpose of this study is to determine the effects of Regional Own-Source Revenue, General Allocation Fund, Special Allocation Fund and Economic Growth on Capital Expenditure of Districts in West Nusa Tenggara Province in the 2017-2022 period partially and simultaneously. The quantitative approach and regression analysis are used in this study. The sampling technique uses the census method which is the method by taking population and the population used is 10 districts in NTB Province. The data analyzed by using SPSS 22 for the Windows. The results of this study showed that Regional Own-Source, General Allocation Fund and Economic Growth have a significant effect on Capital Expenditure, while the Special Allocation Fund has an insignificant effect on Local Government Capital Expenditure in NTB Province in the 2017-2022 period. The findings of this research can be reference for future researchers who will study similar problems. The study findings are also anticipated to give the government advice and knowledge about how crucial it is to maximize regional potential in order to raise the standard of public services and regional progress to the government.

An Investigation of How Financial Attitudes and Experiences Affect Personality-Mediated Management Behavior in MSMEs Fitriansyah Fitriansyah; Susilo Utomo; Rina Apriliani; Ratnawita Ratnawita; Alfiana Alfiana
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 1 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i3.5779

In this study, personality-mediated management behavior in MSMEs in Semarang City is examined and tested in relation to financial attitudes and financial experience. Version 25 of SPSS was used to process the data. In Semarang City, 88 MSME business actors made up the sample. The study findings indicate that there is a substantial relationship between personality and financial views as well as experience. There is a considerable impact of financial attitudes on management conduct. Regarding how management conduct is impacted by financial experience. Personality has a major impact on how managers behave. Not only does financial experience have a substantial impact on management behavior mediated by personality, but financial views also have a big influence. Thus, each of the seven current hypotheses has a noteworthy and beneficial impact.

The Role of Competitive Advantage as a Mediation of Digital Marketing on Marketing Performance Firdaus Yuni Dharta; Luh Komang Candra Dewi; Rulyenzi Rasyid; Ratnawita Ratnawita; Mokhamad Arwani
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 5 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.4697

The objective of this study is to investigate, through an empirical case study of Batik MSMEs in Semarang City, how competitive advantage functions as a mediator between digital marketing and marketing performance. The study's participants were Semarang City's Batik MSME owners. In this study, there were up to 100 respondents in each sample. Data analysis using PLS-SEM is used in this study. The study's findings demonstrate the considerable impact that digital marketing has on competitive advantage. Moreover, there is a notable impact of digital marketing on marketing performance. For There is a noticeable impact of competitive advantage on marketing performance. Additionally, the impact of digital marketing on marketing performance, through the medium of competitive advantage, is particularly noteworthy for Batik MSMEs in Semarang City.

Pelatihan Pengelolaan Media Sosial sebagai Media Promosi yang Efektif dalam Ekonomi Digital Ratnawita Ratnawita; Rifqah Harahap; Anggita Permata Yakup; Dian Ariani; Sandy Kurniawan
CivicAction: Jurnal Pengabdian dan Inovasi Masyarakat Vol. 1 No. 3 (2025): Artikel Pengabdian Kepada Masyarakat
Publisher : SORATEKNO PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59696/civicaction.v1i3.215

Perkembangan ekonomi digital telah mendorong pelaku usaha, khususnya usaha mikro, kecil, dan menengah (UMKM), untuk memanfaatkan media sosial sebagai sarana utama dalam kegiatan promosi. Namun demikian, pemahaman yang terbatas mengenai pengelolaan media sosial secara strategis seringkali menjadi kendala dalam meningkatkan jangkauan pemasaran dan daya saing usaha. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan kompetensi pelaku UMKM dalam mengelola media sosial sebagai media promosi yang efektif melalui pelatihan terstruktur dan pendampingan langsung. Metode yang digunakan meliputi identifikasi kebutuhan peserta, penyampaian materi melalui ceramah interaktif, praktik langsung dalam pembuatan konten digital, serta evaluasi pemahaman melalui observasi dan kuesioner. Pelaksanaan program melibatkan 30 pelaku UMKM yang berdomisili di wilayah binaan dengan fokus pada pemanfaatan platform Facebook, Instagram, dan WhatsApp Business. Hasil pelatihan menunjukkan adanya peningkatan signifikan terhadap kemampuan peserta dalam merancang strategi pemasaran digital, mengoptimalkan penggunaan fitur media sosial, serta menghasilkan konten kreatif yang sesuai dengan karakteristik produk. Program ini berkontribusi dalam penguatan literasi digital bagi pelaku UMKM serta memberikan dampak positif terhadap peningkatan visibilitas dan potensi penjualan produk di pasar digital. Ke depan, diperlukan kegiatan berkelanjutan berupa pendampingan evaluatif agar keberhasilan strategi promosi digital dapat terus terjaga dan berkembang sesuai dinamika teknologi.

Determinan Minat Berbisnis Online (E-Business) dikalangan Mahasiswa Nurul Wahdini; Akka Latifah Jusdienar; Andy Sukrisno; Ratnawita Ratnawita
Score: Jurnal Lentera Manajemen Pemasaran Vol. 4 No. 01 (2026): Mei 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lmp.v4i01.1239

Penelitian ini bertujuan untuk menganalisis pengaruh faktor psikologis dan teknologi terhadap minat berbisnis online mahasiswa dalam konteks e-business di Indonesia. Penelitian ini mengkombinasikan variabel self-efficacy, literasi digital, perceived ease of use, perceived usefulness, dan attitude dalam satu model penelitian untuk memberikan pemahaman yang lebih komprehensif mengenai determinan minat berbisnis online mahasiswa. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 128 mahasiswa menggunakan teknik purposive sampling. Data dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa self-efficacy, literasi digital, perceived ease of use, perceived usefulness, dan attitude berpengaruh positif dan signifikan terhadap minat berbisnis online mahasiswa. Perceived usefulness menjadi variabel yang memiliki pengaruh paling dominan terhadap minat berbisnis online, diikuti oleh attitude. Model penelitian mampu menjelaskan variasi minat berbisnis online sebesar 56,3%. Penelitian ini memberikan implikasi bahwa peningkatan literasi digital, kepercayaan diri, serta pemahaman mengenai manfaat teknologi digital perlu diperkuat untuk mendorong minat kewirausahaan mahasiswa di era digital. Penelitian selanjutnya disarankan menggunakan cakupan sampel yang lebih luas dan menambahkan variabel lain yang relevan agar hasil penelitian menjadi lebih komprehensif.

Employee Performance Determinants: The Roles of Transformational Leadership, Organizational Commitment, and Loyalty Ratnawita Ratnawita; Widya Nengsih; Prihatina Jati; Dewi Listiorini; Indri Astuti
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2127

Employee performance is a crucial determinant of organizational competitiveness, particularly in the financial services industry. Although previous studies have established that transformational leadership, organizational commitment, and employee loyalty contribute to enhanced employee performance, empirical evidence within the Indonesian financing sector remains limited. This study aims to examine the influence of transformational leadership, organizational commitment, and employee loyalty on employee performance at PT. FIF Group, Tlogosari Branch, Semarang. A quantitative explanatory research design was employed using a census sampling technique involving all employees of the organization. Data were collected through a structured questionnaire and analyzed using multiple linear regression. The findings reveal that transformational leadership, organizational commitment, and employee loyalty each have a positive and significant influence on employee performance. Furthermore, these variables collectively provide substantial explanatory power in predicting employee performance. This study contributes to the human resource management literature by extending empirical evidence from the Indonesian financing industry and underscores the importance of strengthening transformational leadership practices, fostering organizational commitment, and enhancing employee loyalty to achieve sustainable organizational performance.

Implementasi UMKM Digital Terhadap Peningkatan Perekonomian Masyarakat Indonesia Akka Latifah Jusdienar; Widya Nengsih; Ratnawita Ratnawita
IKRAITH-EKONOMIKA Vol. 8 No. 3 (2025): IKRAITH-EKONOMIKA Vol 8 No 3 November 2025
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikraith-ekonomika.v8i3.5437

ABSTRAKUsaha Mikro, Kecil, dan Menengah (UMKM) merupakan tulang punggung perekonomian Indonesia yang berperan krusial dalam menciptakan lapangan kerja, meningkatkan pendapatan masyarakat, dan berkontribusi signifikan terhadap produk domestik bruto (PDB). Keberadaan UMKM juga membantu menekan angka pengangguran dan kemiskinan karena mampu menyerap tenaga kerja dalam jumlah besar. Selain itu, UMKM terbukti memiliki daya tahan yang tinggi dalam menghadapi krisis ekonomi, terutama karena sifat usahanya yang tidak terlalu bergantung pada modal besar maupun pendanaan asing. Namun, seiring dengan berkembangnya era digital, UMKM dituntut untuk beradaptasi dengan teknologi agar dapat memperluas jangkauan pemasaran, meningkatkan efisiensi waktu dan tenaga, mempercepat akses informasi, serta memperkuat daya saing. Penelitian ini bertujuan untuk menganalisis pengaruh implementasi UMKM digital terhadap peningkatan perekonomian masyarakat Indonesia. Metode penelitian menggunakan pendekatan kuantitatif dengan analisis data melalui Smart PLS versi 4. Hasil pengolahan data menunjukkan bahwa nilai outer loading lebih besar dari 0,70, yang berarti indikator yang digunakan valid. Hasil path coefficientmenunjukkan adanya pengaruh langsung dengan nilai t-statistic lebih besar dari 1,96, yang mengindikasikan hubungan signifikan. Selain itu, nilai R-Square dan F-Square juga positif, memperkuat bahwa variabel independen (implementasi UMKM digital) berpengaruh terhadap variabel dependen (peningkatan perekonomian masyarakat Indonesia). Implikasi penelitian ini menegaskan bahwa digitalisasi UMKM merupakan strategi penting dalam memperkuat daya saing nasional sekaligus mendukung pembangunan ekonomi berkelanjutan di Indonesia.ABSTRACTMicro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy, playing a crucial role in job creation, increasing community income, and contributing significantly to the country’s gross domestic product (GDP). MSMEs also help reduce unemployment and poverty levels as they are able to absorb a large workforce. In addition, MSMEs have proven to be more resilient during economic crises because their operations are not heavily dependent on large amounts of capital or foreign investment. However, with the rapid development of digital technology, MSMEs must adapt by embracing digital transformation to expand their market reach, improve time and energy efficiency, accelerate access to information, and enhance competitiveness in an increasingly dynamic business environment. This study aims to analyze the impact of digital MSME implementation on improving the Indonesian community’s economy. The research employed a quantitative approach using Smart PLS version 4 for data analysis. The results indicate that the outer loading values were greater than 0.70, confirming that the indicators used were valid. The path coefficient analysis demonstrated a direct effect, with the t-statistic values exceeding 1.96, which indicates significant relationships. Furthermore, the R-Square and FSquare values were positive, strengthening the evidence that the independent variable (digital MSME implementation) significantly influences the dependent variable (improvement of Indonesia’s community economy). The findings highlight the importance of digital transformation as a strategic tool for MSMEs to strengthen competitiveness while simultaneously contributing to sustainable economic development in Indonesia..

Peran Data-Driven Strategy dalam Memperkuat Daya Saing UMKM di Era VUCA Widya Nengsih; Ratnawita Ratnawita; Akka Latifah Jusdienar
IKRAITH-EKONOMIKA Vol. 8 No. 3 (2025): IKRAITH-EKONOMIKA Vol 8 No 3 November 2025
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikraith-ekonomika.v8i3.5479

ABSTRAKEra VUCA (Volatility, Uncertainty, Complexity, Ambiguity) menuntut Usaha Mikro, Kecil, dan Menengah (UMKM) untuk mampu beradaptasi dengan cepat dan tetap inovatif dalam menghadapi dinamika bisnis global. Ketidakpastian pasar, perubahan perilaku konsumen, kompleksitas rantai pasok, serta ambiguitas regulasi menempatkan UMKM pada posisi yang rentan jika tidak memiliki strategi berbasis data. Data-driven strategy hadir sebagai solusi penting untuk mendukung pengambilan keputusan yang lebih cepat, akurat, dan berbasis fakta. Melalui pemanfaatan data penjualan, perilaku konsumen, tren digital, dan informasi pasar, UMKM dapat meningkatkan efisiensi operasional, mengurangi risiko, serta menemukan peluang baru untuk berinovasi. Kajian literatur menunjukkan bahwa penerapan data-driven strategy tidak hanya membantu dalam perencanaan pemasaran dan manajemen operasional, tetapi juga memperkuat daya saing melalui diferensiasi produk, optimalisasi harga, dan peningkatan kualitas layanan. Selain itu, literasi data dan transformasi digital menjadi kunci utama dalam membangun ketahanan UMKM agar tetap relevan di tengah ketidakpastian lingkungan bisnis. Dengan demikian, strategi berbasis data mampu mengubah cara UMKM beroperasi, dari sekadar reaktif terhadap perubahan menjadi proaktif dalam merespons tantangan dan peluang di era VUCA.ABSTRACTThe VUCA era (Volatility, Uncertainty, Complexity, Ambiguity) requires Micro, Small, and Medium Enterprises (MSMEs) to be highly adaptive and innovative in responding to global business dynamics. Market uncertainty, shifting consumer behavior, complex supply chains, and ambiguous regulations place MSMEs in a vulnerable position if they lack data-driven strategies. A data-driven strategy provides an essential approach to support faster, more accurate, and evidence-based decision-making. By utilizing sales data, consumer behavior insights, digital trends, and market information, MSMEs can enhance operational efficiency, reduce risks, and identify new opportunities for innovation. Literature review findings reveal that data-driven strategies contribute not only to marketing planning and operational management but also to strengthening competitiveness through product differentiation, price optimization, and service quality improvement. Furthermore, data literacy and digital transformation are identified as critical enablers for MSMEs to build resilience and remain relevant amid uncertainty in the business environment. In this regard, a data-driven approach enables MSMEs to shift from being reactive to proactive in facing challenges and seizing opportunities in the VUCA era. Ultimately, the integration of data into strategic decision-making processes empowers MSMEs to sustain growth and competitiveness in an increasingly volatile and ambiguous marketplace.

Implementasi Digital Marketing dalam Meningkatkan Brand Awareness UMKM Dodol Strawberry Desa Patengan Kecamatan Rancabali Kabupaten Bandung Widya Nengsih; Akka Latifah Jusdienar; Ratnawita Ratnawita; Husnul Khatimah; Ady Purwoto; luthpiyah Juliandara; Tuti Sulastri
IKRAITH-EKONOMIKA Vol. 9 No. 1 (2026): IKRAITH-EKONOMIKA Vol 9 No 1 Maret 2026
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikraith-ekonomika.v9i1.5691

Program Pengabdian kepada Masyarakat (PKM) ini dilaksanakan di Desa Patengan,Kecamatan Rancabali, Kabupaten Bandung, dengan tujuan meningkatkan pengetahuandan keterampilan pelaku UMKM dalam memanfaatkan digital marketing melalui kontenkreatif TikTok. Sebelumnya, UMKM Dodol Strawberry masih sangat bergantung padametode pemasaran konvensional dengan jangkauan yang terbatas. Program ini terdiri daritiga kegiatan utama: (1) sosialisasi mengenai pentingnya digital marketing, (2) pelatihanimplementasi akun bisnis TikTok sebagai sarana promosi, dan (3) pembuatan videopromosi kreatif menggunakan fitur video pendek TikTok. Pendekatan partisipatif yangdigunakan memadukan workshop, praktik langsung, dan pendampingan. Hasil kegiatanmenunjukkan adanya peningkatan signifikan terhadap pemahaman peserta mengenaidigital marketing (dari 46,7% menjadi 86,7%), keberhasilan dalam membuat akun bisnisTikTok, serta produksi video promosi yang berorientasi viral dan mampu menjangkauaudiens lebih luas dalam waktu singkat. Temuan ini menegaskan peran strategis TikTokdalam membangun brand awareness bagi UMKM lokal, khususnya di kawasan wisatapedesaan. Kolaborasi antara UMKM, akademisi, dan pemangku kepentingan lokalmenjadi kunci keberlanjutan program ini serta peningkatan daya saing produk di pasaryang lebih luas. This Community Service Program (PKM) was conducted in Patengan Village, Rancabali District,Bandung Regency, to enhance SMEs’ knowledge and skills in using digital marketing through TikTok creative content. The Dodol Strawberry SMEs previously relied heavily on conventionalmarketing methods with limited reach. The program consisted of three main activities: (1)socialization on the importance of digital marketing, (2) training in implementing TikTok businessaccounts as promotional tools, and (3) producing creative promotional videos using TikTok’sshort-form video features. The participatory approach combined workshops, direct practice, andmentoring. Results showed significant improvements in participants’ understanding of digitalmarketing (from 46.7% to 86.7%), successful creation of TikTok business accounts, andproduction of viral-oriented promotional videos that reached wider audiences within a shortperiod. This highlights the strategic role of TikTok in building brand awareness for local SMEs,particularly in rural tourism areas. Collaboration between SMEs, academics, and localstakeholders is crucial to sustaining these efforts and enhancing product competitiveness inbroader markets.

Employee Performance Determinants: The Roles of Transformational Leadership, Organizational Commitment, and Loyalty Ratnawita Ratnawita; Widya Nengsih; Prihatina Jati; Dewi Listiorini; Indri Astuti
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2127

Employee performance is a crucial determinant of organizational competitiveness, particularly in the financial services industry. Although previous studies have established that transformational leadership, organizational commitment, and employee loyalty contribute to enhanced employee performance, empirical evidence within the Indonesian financing sector remains limited. This study aims to examine the influence of transformational leadership, organizational commitment, and employee loyalty on employee performance at PT. FIF Group, Tlogosari Branch, Semarang. A quantitative explanatory research design was employed using a census sampling technique involving all employees of the organization. Data were collected through a structured questionnaire and analyzed using multiple linear regression. The findings reveal that transformational leadership, organizational commitment, and employee loyalty each have a positive and significant influence on employee performance. Furthermore, these variables collectively provide substantial explanatory power in predicting employee performance. This study contributes to the human resource management literature by extending empirical evidence from the Indonesian financing industry and underscores the importance of strengthening transformational leadership practices, fostering organizational commitment, and enhancing employee loyalty to achieve sustainable organizational performance.

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