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All Journal Among Makarti Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Pengembangan Masyarakat Lokal Sharia Economic Review Journal (SHACRAL)
Nisa, Rizka Fatkhin
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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CERMINAN KETANGGUHAN USAHA MIKRO KECIL MENENGAH: SEBUAH STUDI KASUS BISNIS KELUARGA DI INDONESIA Poluan, Stevi Jimry; Nisa, Rizka Fatkhin; Wijayanti, Sari; Tamrin, Muhammad Husni
Among Makarti Vol 17, No 2 (2024): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v17i2.736

Abstract

Abstract : Family businesses are one of the businesses that strengthen the economy of a country and globally because they provide opportunities for others to work and get paid for living. Micro, small and medium enterprises (MSMEs) are family businesses that are commonly found in Indonesia. In addition, it often experiences prolonged internal problems that become complicated. This research uses a case study of UMKM X in Salatiga, which experienced problems for twenty years but was able to survive and rise. This research uses an exploratory approach, namely a qualitative method by deepening the problems that occur through in-depth interviews with three main resource persons. The research found that the way these MSMEs solve problems or internal conflicts so that they rise and get better. In addition, conflict management needs to be supported by leadership and governance so that managing conflicts becomes more efficient.Abstrak : Bisnis keluarga menjadi salah satu bisnis yang memperkuat perekonomian sebuah negara dan secara global karena memberikan kesempatan kepada orang lain bekerja dan bayarannya untuk kebutuhan hidup. Usaha mikro kecil menengah (UMKM) merupakan bisnis keluarga yang banyak ditemukan di Indonesia. Selain itu, sering mengalami masalah internal berkepanjangan sehingga menjadi rumit. Dalam penelitian ini menggunakan sebuah studi kasus UMKM X di Salatiga yang mengalami masalah selama dua puluh tahun tetapi mampu bertahan dan bangkit. Penelitian ini menggunakan pendekatan eksploratif yaitu metode kualitatif dengan memperdalam masalah yang terjadi melalui wawancara mendalam bersama tiga narasumber utama. Dalam penelitian menemukan bahwa cara UMKM tersebut menyelesaikan masalah atau konflik internal sehingga bangkit dan menjadi lebih baik. Selain itu manajemen konflik perlu didukung oleh kepemimpinan dan tata kelola sehingga mengatur konflik menjadi lebih efisien.
Praktik Pemasaran Pada Perusahaan Farmasi Multinasional Di Indonesia Dalam Bingkai Virtue Ethics Mendorong Terciptanya Keunggulan Kompetitif Wijayanti, Sari; Kusuma, Triana Hasty; Poluan, Stevi Jimry; Nisa, Rizka Fatkhin; Putra, Yanuar Surya
Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 2 (2025): MAGISMA:Jurnal Ilmiah Ekonomi dan Bisnis
Publisher : Magister Manajemen STIE Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/magisma.v13i2.561

Abstract

The marketing strategies employed by multinational pharmaceutical corporations in Indonesia are closely related to the ethical dimensions and their capacity to enhance competitiveness within the marketplace. The objective of this research is to formulate a mini-theory concerning the development of propositions derived from emerging theoretical frameworks. The methodology adopted in this investigation was a qualitative approach, utilizing secondary data sourced from way back machine, corporate search engines and online resources. The focal subjects of this inquiry comprise three multinational pharmaceutical entities operating in Indonesia, specifically Eisai Indonesia and Roche Indonesia. The findings of this study culminate in the assertion that marketing practices at multinational pharmaceutical firms, bolstered by ethical considerations, significantly impact competitive advantage.
ANALISIS STRATEGI BERSAING PT BCA DALAM PERSPEKTIF KEUNGGULAN KOMPETITIF BERKELANJUTAN Yuliana, Novita; Kusuma, Triana Hasty; Nisa, Rizka Fatkhin
Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Vol 10, No 1 (2025): Pendidikan Ekonomi
Publisher : Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/ep.v10i1.23455

Abstract

Penelitian ini bertujuan untuk menganalisis strategi bersaing PT Bank Central Asia Tbk (BCA) dalam membangun keunggulan kompetitif berkelanjutan di industri perbankan Indonesia. Penelitian menggunakan pendekatan kualitatif dengan metode studi kasus, mengandalkan data primer dari wawancara dan observasi terbatas, serta data sekunder berupa laporan tahunan, dokumen internal BCA, dan publikasi eksternal periode 2018–2023. Analisis dilakukan secara tematik dan dilengkapi teknik triangulasi serta analisis SWOT. Hasil penelitian menunjukkan bahwa strategi utama BCA meliputi diferensiasi layanan digital, efisiensi operasional berbasis teknologi, serta penguatan loyalitas nasabah melalui ekosistem layanan. Reputasi merek dan budaya inovasi diidentifikasi sebagai aset tidak berwujud yang menjadi sumber keunggulan kompetitif jangka panjang, diperkuat oleh kapabilitas dinamis dalam merespons regulasi dan berkolaborasi dengan fintech. Kesimpulan penelitian mendukung teori Resource-Based View bahwa aset intangible memiliki peran strategis dalam menciptakan keunggulan yang berkelanjutan. Penelitian ini merekomendasikan pengembangan green banking dan ekspansi ke perbankan pedesaan sebagai arah strategi diferensiasi masa depan.Kata Kunci: Keunggulan kompetitif berkelanjutan, strategi perbankan, BCA, sumber daya tidak berwujud, transformasi digital
PEMASARAN GLOBAL DI ERA KECERDASAN BUATAN : PELUANG DAN TANTANGAN UNTUK BRAND INTERNASIONAL Kusuma, Triana Hasty; Wijayanti, Sari; Yuliana, Novita; Nisa, Rizka Fatkhin; Poluan, Stevi Jimry
Bisnis-Net Vol 8, No 2: DESEMBER 2025
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v8i2.7106

Abstract

The advancement of Artificial Intelligence (AI) technology has significantly transformed global marketing strategies, particularly for international brands. This study aims to identify the opportunities and challenges faced by brands in integrating AI into their global marketing approaches. Using a qualitative method, data were collected through in-depth interviews and document analysis from various relevant sources. The findings reveal that AI offers substantial opportunities in service personalization, operational efficiency, and predictive insights into consumer behavior. However, several challenges remain, including technological infrastructure gaps, data privacy issues, and organizational resistance to digital transformation. Therefore, international brands must adopt adaptive, ethical, and sustainable strategies in implementing AI to effectively compete in the ever-evolving global market.
PERENCANAAN BISNIS DENGAN METODE MODEL BISNIS KANVAS PADA SISWA KELAS XI SMA MASEHI KUDUS Wijayanti, Sari; Poluan, Stevi Jimry; Kusuma, Triana Hasty; Nisa, Rizka Fatkhin; Yuliana, Novita
Jurnal Pengembangan Masyarakat Lokal Vol. 8 No. 2 (2025): Jurnal Pengembangan Masyarakat Lokal
Publisher : LPPM Universitas Samawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jpml.v8i2.2027

Abstract

Tujuan kegiatan ini yaitu mendukung Sustainability Development Goals (SDGs) ke-8 yang bertumpu pada peningkatan pertumbuhan ekonomi inklusif dan berkelanjutan, meningkatkan kesempatan kerja produktif serta memberikan pekerjaan yang layak. Metode model bisnis kanvas digunakan dalam pembuatan perencanaan bisnis yang membantu siswa kelas XI SMA Masehi Kudus memahami dan mengimplementasikan sebuah ide bisnis. Hasilnya menunjukkan bahwa ada siswa kelas XI SMA Masehi Kudus mendapatkan ketrampilan baru dalam memahami 9 blok elemen dan sub elemen model bisnis kanvas usaha kedai kopi melalui project based learning. Setelah pelatihan, siswa diharapkan untuk menerapkan ide bisnis lain secara mandiri dengan metode model bisnis kanvas
ISLAMIC ECONOMICS AND PAYLATER PRACTICES IN THE DIGITAL SHOPPING ERA: A SYSTEMATIC LITERATURE REVIEW Nisa, Rizka Fatkhin
SHACRAL: Shari'ah Economics Review Journal Vol. 2 No. 3 (2025): Oktober
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v2i3.90

Abstract

The rapid expansion of the digital economy has fundamentally transformed consumer behavior, particularly through the emergence of Buy Now, Pay Later (BNPL) or paylater services. These financial innovations offer instant credit access and flexible payment schemes, making them increasingly popular in digital shopping platforms. In Indonesia, the widespread adoption of paylater services has been driven by the growth of e-commerce, fintech innovation, and changing consumption patterns among younger generations. Despite their economic convenience, paylater practices raise critical concerns related to excessive consumerism, household indebtedness, and financial vulnerability. From the perspective of Islamic economics, these concerns are particularly significant due to the prohibition of interest (riba), excessive uncertainty (gharar), and unethical consumption behavior. This article aims to systematically review existing literature on paylater practices within the framework of Islamic economics, focusing on their ethical, legal, and socioeconomic implications in the digital shopping era. Using a qualitative systematic literature review approach, this study synthesizes findings from peer-reviewed national and international journals, academic books, and institutional reports related to Islamic economics, digital finance, consumer behavior, and fintech regulation. The literature is analyzed thematically to identify key issues, scholarly debates, and areas of convergence and divergence between paylater practices and Islamic economic principles. The review reveals that while paylater services contribute to financial inclusion and digital economic growth, their prevailing contractual structures and fee mechanisms often resemble interest-based credit, raising concerns regarding sharia compliance. Moreover, empirical studies highlight the association between paylater usage and increased impulsive consumption, debt accumulation, and financial stress. This article concludes that Islamic economics offers a critical ethical framework for evaluating paylater practices and underscores the need for sharia-compliant digital financing models that balance consumer convenience with financial responsibility and social welfare.
Co-Authors Kusuma, Triana Hasty Poluan, Stevi Jimry Sari Wijayanti Tamrin, Muhammad Husni Yanuar Surya Putra Yuliana, Novita