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All Journal Jurnal Ilmiah Manajemen Kesatuan Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Ramadhanti, Salsabilla
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Awareness, Knowledge and Sanctions On Compliance Retribution Users Flats With Technology Information As Variables Moderation Ramadhanti, Salsabilla
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 5 (2024): JIMKES Edisi September 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i5.2797

Abstract

This paper aims to examine the power of information technology in moderating the relationship between awareness, knowledge and sanctions on compliance with flat user fees. This research is important because looking at previous studies produces different conclusions. Samples were taken using the simple random sampling method. The sample size was 122 flat residents who had lived there for more than 2 years. A quantitative approach is used to collect and analyze numerical data that can be measured and processed statistically where the survey method is given to respondents using purposive sampling. This research uses data analysis with Structural Equation Modeling (SEM) techniques. The results of the study concluded that awareness, knowledge and sanctions had a positive effect on compliance with flat user fees. However, when including technological information as a moderating variable, it is shown that awareness, knowledge and sanctions do not strengthen the relationship to compliance with flat user fees. This article has implications for the UPTD for Flats to coordinate with Bapenda to be able to integrate the existing QRIS with e-Retribution, and further consider factors that can increase Bogor City regional levies, especially Bogor City regional income related to flat rental levies.   Keywords:       Awareness, Knowledge, Sanctions, Rusunawa User Retribution Compliance, and Information Technology
Analisis SWOT terhadap Risiko dan Strategi Penyaluran Pembiayaan Konsumen di Lembaga Keuangan Syariah: Studi pada Bank Mega Finance Syariah Purwokerto Nafila, Isna; Mukaromah, Siti; Ramadhanti, Salsabilla; Shafrani, Yoiz Shofwa
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 3 No. 2 (2025): Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/wawasan.v3i2.3432

Abstract

This study aims to analyze the risks and strategies in consumer financing distribution at Bank Mega Finance Syariah Purwokerto using a SWOT (Strengths, Weaknesses, Opportunities, Threats) approach. Islamic financial institutions play a significant role in supporting community economic activities through financing products based on sharia principles. However, in practice, these institutions also face various challenges such as late installment payments, unauthorized transfer of financed assets, and intense competition in the financial services market. This research employs a qualitative descriptive method through direct observation and in-depth interviews with internal company parties, particularly the collection department. The results indicate that the main strength of Bank Mega Finance Syariah Purwokerto lies in its diverse financing services, including cash loans, vehicle financing, and smartphone credit. Its weaknesses include the risk of payment arrears and potential losses caused by customers who pawn or sell financed items. The institution’s opportunities are in market expansion through digital-based leasing registration applications, while its threats involve high competition and strict consumer protection regulations. These findings provide strategic recommendations for strengthening risk management and improving the quality of sharia-compliant financing services in Purwokerto and its surrounding areas.
Co-Authors Nafila, Isna Yoiz Shofwa Shafrani, Yoiz Shofwa