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All Journal JOURNAL OF SCIENCE AND SOCIAL RESEARCH Education Achievement: Journal of Science and Research Golden Ratio of Marketing and Applied Psychology of Business Utsaha: Journal of Entrepreneurship Journal of Comprehensive Science Golden Ratio of Data in Summary Jurnal Administrasi Publik dan Bisnis (JaPaBis) Innovative: Journal Of Social Science Research
Musdiana, Andi Desy
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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BUSINESS RISK AND RETURN CONCEPT IN ISLAMIC INVESTMENT Kadir, Syahruddin; Musdiana, Andi Desy
UTSAHA: Journal of Entrepreneurship Vol. 3 Issue 4 (2024)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/joe.v3i4.695

Abstract

In making investments, one must consider risk and return before committing capital. Avoiding unpredictable risks or those that could endanger economic and social sustainability is crucial. This study aims to analyze the concept and relationship between business risk and return on Islamic investment. The main issues addressed include how Sharia principles influence the risk and return profile of investments, as well as the challenges in measuring and managing risk within the Islamic finance framework. The research employs a qualitative descriptive analysis of secondary sources (journal articles). The findings indicate that Islamic investments have distinct risk and return characteristics compared to conventional investments. They emphasize risk-sharing, the prohibition of usury (riba), and a focus on real assets, which tend to produce a more stable risk-return profile in the medium and long term. Challenges include the standardization of risk measurement and the lack of diversification in some Islamic financial instruments, necessitating further innovation in product development and risk management in alignment with Sharia principles.
DIGITALISASI ORGANISASI DAN DINAMIKA KEPUASAN KERJA: ANALISIS SINTESIS TERHADAP KINERJA KARYAWAN DI ERA TRANSFORMASI DIGITAL Hartutik, Dwi; Lastri, Novelma; Aditiya, Variza; Musdiana, Andi Desy; Suprasman, Suprasman
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 9, No 1 (2026): February 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i1.5821

Abstract

Abstract: Organizational digitalization has transformed workplace dynamics, influencing employee job satisfaction and performance outcomes. This study synthesizes findings from three Indonesian journal studies focusing on digital transformation, digital work environments, and human resource performance in the context of organizational modernization. Using a qualitative literature synthesis approach, the research integrates methodological and empirical insights to explore how digital adoption affects employee behavior and organizational outcomes. The findings indicate that digital technologies improve efficiency, collaboration, and flexibility, which contribute positively to employee performance. However, challenges such as digital competence gaps, technostress, and organizational adaptation remain critical issues. The study highlights that digital leadership, organizational support, and employee capability development play key roles in enhancing job satisfaction during digital transformation. This synthesis contributes to understanding how Indonesian organizations can optimize digital transformation strategies to achieve sustainable employee performance and organizational effectiveness. Keywords: digital transformation, job satisfaction, employee performance, Indonesian organizations. Abstrak: Digitalisasi organisasi telah mengubah dinamika lingkungan kerja dan memengaruhi kepuasan kerja serta kinerja karyawan. Penelitian ini mensintesis temuan dari tiga jurnal Indonesia yang membahas transformasi digital, lingkungan kerja digital, dan kinerja sumber daya manusia dalam konteks modernisasi organisasi. Dengan menggunakan pendekatan sintesis literatur kualitatif, penelitian ini mengintegrasikan wawasan metodologis dan empiris untuk memahami bagaimana adopsi teknologi digital memengaruhi perilaku karyawan dan hasil organisasi. Temuan menunjukkan bahwa teknologi digital meningkatkan efisiensi, kolaborasi, dan fleksibilitas kerja yang berdampak positif terhadap kinerja karyawan. Namun, tantangan seperti kesenjangan kompetensi digital, technostress, dan adaptasi organisasi masih menjadi isu penting. Studi ini menekankan peran kepemimpinan digital, dukungan organisasi, serta pengembangan kompetensi karyawan dalam meningkatkan kepuasan kerja selama proses transformasi digital. Kata Kunci: Transformasi Digital, Kepuasan Kerja, Kinerja Karyawan, Organisasi Indonesia.
STRATEGI PENGEMBANGAN UMKM BERBASIS INOVASI & PLATFORM DIGITAL Aditiya, Variza; Lastri, Novelma; Hartutik, Dwi; Musdiana, Andi Desy; Mustafa, Said
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 9, No 1 (2026): February 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i1.5823

Abstract

Abstract: This study aims to synthesize findings from three recent studies discussing the development strategies of Small and Medium Enterprises (SMEs) through digital innovation, collaborative governance, and technological transformation. The analyzed studies include innovation-based SME development strategies, collaborative ecosystem approaches involving government and business actors, and digital transformation frameworks to enhance competitiveness. Using a qualitative literature synthesis method, this study examines key themes, methodologies, and outcomes across the selected research. The results indicate that digital transformation serves as a primary driver for SME competitiveness, while collaborative governance enhances institutional support and ecosystem resilience. Innovation capability, access to digital platforms, and stakeholder collaboration emerge as critical success factors. The synthesis also highlights that SMEs require not only technological adoption but also capacity building, policy alignment, and adaptive business strategies. This study contributes to the growing discourse on SME development by integrating technological, institutional, and strategic perspectives into a unified analytical framework. Keywords: SMEs Development, Digital Transformation, Collaborative Governance, Innovation Strategy. Abstrak: Penelitian ini bertujuan untuk mensintesis temuan dari tiga studi terbaru yang membahas strategi pengembangan Usaha Mikro Kecil dan Menengah (UMKM) melalui inovasi digital, tata kelola kolaboratif, dan transformasi teknologi. Studi yang dianalisis meliputi strategi pengembangan UMKM berbasis inovasi, model kolaborasi antara pemerintah dan pelaku usaha, serta kerangka transformasi digital untuk meningkatkan daya saing. Menggunakan metode sintesis literatur kualitatif, penelitian ini mengkaji tema utama, metodologi, dan hasil dari penelitian yang dipilih. Hasil menunjukkan bahwa transformasi digital menjadi faktor utama dalam meningkatkan daya saing UMKM, sementara tata kelola kolaboratif memperkuat dukungan kelembagaan dan ketahanan ekosistem usaha. Kapabilitas inovasi, akses platform digital, dan kolaborasi pemangku kepentingan menjadi faktor kunci keberhasilan. Studi ini berkontribusi dalam memperkaya diskursus pengembangan UMKM melalui integrasi perspektif teknologi, institusional, dan strategis. Kata Kunci: Pengembangan UKM, Transformasi Digital, Kolaborasi Tatakelola, Strategi Inovasi.
Digitization of Business Administration as a Non-Formal Education Strategy in Improving the Administrative Competence of MSME Actors in Dumai City Lastri, Novelma; Hartutik, Dwi; Musdiana, Andi Desy; Suprasman, Suprasman; Mustafa, Said
Education Achievement: Journal of Science and Research Volume 6 Issue 3 November 2025
Publisher : Pusdikra-Publishing.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jsr.v6i3.3215

Abstract

Digitization of business administration not only plays a role as a business operational instrument, but also as a means of non-formal education in improving the administrative competence of Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the role of digitalization of business administration as a non-formal education strategy in developing the administrative competence of MSME actors in Dumai City. This research uses a qualitative approach with a descriptive design. Data was collected through in-depth interviews, observations, and documentation studies of MSME actors who participated in or were involved in digital-based administrative learning activities. The selection of informants is carried out purposively by considering the variety of types of businesses and the level of utilization of the digital administration system. Data analysis is carried out through the process of data reduction, data presentation, and thematic conclusion drawn. The results of the study show that the digitalization of business administration functions as an effective learning medium in increasing the understanding, skills, and independence of MSME actors in business administration management. The implementation of digital administration encourages record-keeping order, business accountability, and administrative decision-making capabilities. This research makes a conceptual contribution to the study of non-formal education management, especially in the development of digital-based administrative education models for MSME actors.
Co-Authors Dewi, Ernita Puspa Dwi Hartutik Hartuti, Dwi Hartutik, Dwi Kadir, Syahruddin Lastri, Novelma Lilis Wahyuni, Lilis Mustafa, Said S. Suherman Suherman Suprasman, Suprasman Variza Aditiya