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Implementasi Transformasi Digital dan Kecerdasan Buatan Sebagai Inovasi Untuk UMKM pada Era Revolusi Industri 4.0 R, Mardiana; Fahdillah, Yosi; Kadar, Melani; Hassandi, Irfan; R, Mandasari
Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE) Vol 3 No 1 (2024): Volume 3 Nomor 1 Januari 2024
Publisher : LPPM Universitas Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33998/jumanage.2024.3.1.1552

Abstract

Abstract−Technology plays an important role in economic development. Covid-19 has changed people's lifestyles and the behavioral patterns of business actors have transformed from traditional to digital. Even though Covid-19 has had a significant impact in the form of a decline in the global economy, including on Micro, Small and Medium Enterprises (MSMEs), it has also provided lessons in the form of adaptation to innovation and digital transformation in the form of the application of the latest technology and artificial intelligence. In line with the industrial revolution 4.0 and digital transformation, it can provide opportunities and strengths to build sustainable businesses. Along with changes in people's consumption patterns, MSMEs have also implemented digital adoption in the form of switching to e-commerce platform sites, food delivery applications and online business models. However, the adoption of artificial intelligence is still not widely used by MSMEs. However, several MSMEs have adopted artificial intelligence technology such as chatbot applications for communication services. Apart from that, support and providing programs from the government and the private sector are needed for MSMEs so that they can develop and adapt their business models to the latest technological adaptations so that MSMEs are also able to survive and even grow rapidly in the future.Keywords: Industrial Revolution 4.0, Digital Transformation, Artificial Intelligence, MSMEs
PENGARUH KOMPENSASI BERBASIS INSENTIF TERHADAP KINERJA MANAJERIAL DENGAN BIG FIVE PERSONALITY TRAITS SEBAGAI VARIABEL MODERASI Dewinda, Mutty Claudia; R, Mandasari
Journal of Management Small and Medium Enterprises (SMEs) Vol 17 No 2 (2024): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v17i2.17293

Abstract

This study aims to test and provide empirical evidence of the effect of incentive-based compensation as extrinsic motivation on managerial performance. This study also used individual intrinsic motivation, namely the big five personality traits to test the moderating role affecting the relationship between incentive-based compensation and managerial performance. This quantitative research was conducted using a survey method of managers, with a total of 115 participants. The results showed that incentive-based compensation affects managerial performance. The big five personality traits, extraversion, and conscientiousness, significantly weakened the relationship between incentive-based compensation and managerial performance in this study. However, agreeableness and openness had no significant effect in weakening the relationship. Neuroticism also did not significantly strengthen the relationship between incentive-based compensation and managerial performance. Keywords: Incentive-based Compensation; Managerial Performance; Big Five Personality Traits
SKEMA INSENTIF : PRESEPSI GENERASI Z DI SURAKARTA Dewinda, Mutty Claudia; Candrakusuma, Desy Amalia; R, Mandasari
JURNAL ILMIAH EDUNOMIKA Vol 9, No 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i1.16357

Abstract

Abstract This study aims to examine and provide empirical evidence on the effect of incentive schemes on employee performance. The study used bonuses, allowances, flexible work arrangements, and career development as components of the company's incentive schemes to employees. The unique characteristics of Generation Z, as the main drivers in optimizing Indonesia's demographic bonus, are considered in this research. This is a quantitative study with a sample comprising 148 Generation Z individuals in Surakarta. The results show that bonuses positively and significantly effect on employee performance. Allowances have a negative and significant effect on employee performance. Furthermore, flexible work arrangements positively and significantly effect on employee performance, while career development have no effect on employee performance.  Keywords : Bonus, Allowance, Flexible Work Arrangements, Career Development, Employee Performance.
BEHAVIORAL BIAS (AVAILABILITY, REPRESENTATIVENESS, ANCHORING, AND CONFIRMATION) TOWARD INVESTMENT DECISION-MAKING R, Mardiana; Yossinomita, Yossinomita; Saputra, M Haris; R, Mandasari; Kartika, Yulia D
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 1 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i1.17769

Abstract

When making investment decisions, retail investors tend to rely on shortcuts in thinking to process the information and data they get. This creates illogical thinking based on emotions or momentary judgments that can result in less-than-optimal investment performance and even losses. This research investigates the relationship between behavioral financial biases (like availability, representativeness, anchoring, and confirmation) and investment decision-making. This study method uses purposive sampling with certain characteristics. Data was collected from 130 retail investors for 3 months in 2024 and analyzed with SPSS Statistics. The research results show that confirmation bias and representativeness bias positively affect investment decision-making. However, anchoring bias and availability bias do not significantly affect investment decision-making. In addition, confirmation bias, representativeness bias, anchoring bias, and availability bias simultaneously positively affect investment decision-making. Financial behavioral biases that can influence investors are confirmation bias and representativeness bias, where retail investors tend to look for information according to their views and similarities based on certain stereotypes, which can reduce or cause losses in stock investments. Keywords: Anchoring Bias; Availability Bias; Confirmation Bias; Representativeness Bias; Investment Decision-Making
Financial Literacy, Risk and Usefulness Perception Toward Interest in Transaction for Culinary MSMEs through Fintech in Jambi City R, Mandasari; R, Mardiana
Jurnal Bisnis Mahasiswa Vol 4 No 4 (2024): Jurnal Bisnis Mahasiswa
Publisher : PT Aksara Indo Rajawali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60036/jbm.v4i4.art30

Abstract

Nowadays, traditional business processes have been disrupted due to the Internet's involvement. Many business owners in the culinary industry now accept cashless payments from their customers, which has been impacted by the Internet's inclusion into traditional business methods like financial technology (fintech), or the automation of payment processes. Fintech can accelerate the business of small and medium-sized enterprises and create major innovation for both the owners and customers. This study aims to examine the effect of financial literacy, perception of usefulness, and risk perception on interest in using financial technology for culinary business owners. Online and offline questionnaires were distributed to 135 respondents and analyzed with SPSS statistics. Then, it was found that financial literacy and perception of usefulness significantly influence owners' interest in using fintech. Meanwhile, the risk perception does not affect owners' interest in using fintech. At the same time, financial literacy, usefulness perception, and risk perception simultaneously influence owners' interest in using fintech.
ESG and Firm Value: The Moderating Role of Stock Returns and EPS R, Mandasari; DEWINDA, Mutty Claudia
Journal of Governance, Taxation and Auditing Vol. 3 No. 3 (2025): Journal of Governance, Taxation and Auditing (January - March 2025)
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/jogta.v4i1.1484

Abstract

This study examines the influence of Environmental, Social, and Governance (ESG) on firm value, and explores the role of stock returns and Earnings Per Share (EPS) as moderating variables. Using secondary data from 84 public companies listed on the Indonesia Stock Exchange from 2020 to 2023, this study applies a panel regression approach with a fixed effects model. The analysis results indicate that ESG has a negative and significant influence on firm value. Furthermore, the interaction between ESG and stock returns also shows a significant negative effect, indicating that high stock returns can amplify the negative impact of ESG on firm value. Conversely, the interaction between ESG and EPS does not show a significant effect, indicating that EPS does not act as a moderator in this relationship. This finding has an important implication that ESG implementation does not automatically increase firm value. This occurs because ESG initiatives need to be supported by appropriate management strategies and effective communication with investors.