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All Journal Among Makarti Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Manajemen Sharia Economic Review Journal (SHACRAL)
Nisa, Rizka Fatkhin
Universitas Muria Kudus
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance 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
Mindfulness dan Kreativitas Karyawan Gen Z: Menguji Peran Moderasi Dukungan Supervisor untuk Kreativitas Rizka Fatkhin Nisa; Stevi Jimry Poluan; Sari Wijayanti
MAMEN: Jurnal Manajemen Vol. 5 No. 1 (2026): Januari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i1.7168

Abstract

Generation Z has now entered the workforce and is one of the generations known for its creativity and concern for mental well-being. This study examines the effect of mindfulness on the creativity of Generation Z employees based on resource conservation theory. In addition, this study examines the moderating role of supervisor support for creativity in the effect of mindfulness on the creativity of Generation Z employees based on self-determination theory. This study uses a quantitative research design with primary data from 100 Generation Z employees, collected using questionnaires and analysed using Smart-PLS 4.0. The results of the analysis show that mindfulness has a direct effect on the creativity of Generation Z employees. However, supervisor support for creativity does not moderate the effect of mindfulness on the creativity of Generation Z employees. These results indicate that Generation Z’s creativity does not fully depend on the direct role of supervisors, as this generation’s characteristics as digital natives emphasize flexibility, autonomy, and the use of technology and digital resources to accomplish tasks and express ideas independently.  
MEMPERKUAT STRATEGI RETENSI PELANGGAN MELALUI KEUNGGULAN KOMPETITIF UNTUK MENDORONG TERCIPTANYA PEMASARAN BERKELANJUTAN: STUDI KASUS PADA SEBUAH BISNIS KELUARGA DI INDONESIA Sari Wijayanti; Triana Hasty Kusuma; Stevi Jimry Poluan; Rizka Fatkhin Nisa
Among Makarti Vol 19, No 1 (2026): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v19i1.960

Abstract

ABSTRACTCustomers play a significant role in business sustainability. Therefore, it is necessary to implement the right strategies to retain existing customers and acquire new ones. UMKM Kripik Paru Kidang Mas has been in operation for more than 50 years, so customers, products, and business sustainability are undoubtedly crucial. The objective of this study is to describe how competitive advantages can strengthen customer retention strategies in a family business to foster sustainable marketing and develop a mini-theory on value proposition information based on the concepts that emerge. The method used in this study is a qualitative approach involving in-depth interviews with three informants (the owner, a production department employee, and a marketing department employee). The object of this research is MSEMs Kripik Paru Kidang Mas Salatiga. This study produced 2 propositions: (1) Customer retention strategies influence sustainable marketing, (2) Customer retention strategies reinforced by competitive advantages influence sustainable marketing, and a mini-theory on enhancing customer retention strategies through competitive advantages to foster sustainable marketing.ABSTRAKPelanggan menjadi faktor penting dalam keberlangsungan sebuah usaha. Oleh karena itu, perlu dilakukan strategi yang tepat untuk mempertahankan ataupun mendapatkan pelanggan baru. UMKM Kripik Paru Kidang Mas telah menjalankan usahanya lebih dari 50tahun tentunya pelanggan, produk dan keberlangsungan usaha menjadi hal yang penting. Tujuan dari penelitian ini adalah mendeskripsikan bagaimana keunggulan kompetitif dapat memperkuat strategi retensi pelanggan pada sebuah bisnis keluarga untuk menciptakan pemasaran keberlanjutan dan membangun teori mini dari pembentukan proposisi berdasarkan konsep-konsep yang muncul. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan melakukan wawancara mendalam (depth interview) dengan tiga narasumber (pemilik, karyawan bagian produksi dan karyawan bagian pemasaran). Obyek penelitian ini adalah UMKM Kripik Paru Kidang Mas Salatiga. Penelitian ini menghasilkan dua buah proposisi: (1) Strategi retensi pelanggan memengaruhi pemasaran keberlanjutan dan (2) Strategi retensi pelanggan diperkuat keunggulan kompetitif memengaruhi pemasaran keberlanjutan serta sebuah teori mini tentang peningkatan strategi retensi pelanggan melalui keunggulan kompetitif dalam menciptakan pemasaran keberlanjutan.
Why Popularity is Not Enough: Identity-Based Drivers of Green Purchase Value among Gen Z Consumers Naufal Dzakwana Muhammad; Agung Winarno; Fuad Abdul Fattah; Feri Dwi Riyanto; Rizka Fatkhin Nisa
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 11 No. 1 (2026): April 2026
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v11i1.7327

Abstract

The objective of this study is to understand the psychological mechanisms that affect green purchase value and willingness to pay more for green household products among Gen Z consumers in Indonesia, using the bandwagon effect and the need for uniqueness. This study used a quantitative approach, and 344 respondents were collected with the condition that Generation Z have experience purchasing, or care about green household products, and data was analyzed with PLS-SEM. The outcome is bandwagon effect has no affect on the green purchase value household products, while need for uniqueness has a affect. The green purchase value was proven to have a strong effect on the willingness to pay more. Furthermore, environmental self-efficacy negatively moderated the relationship between bandwagon effect and green purchase value and strengthened the relationship between need for uniqueness and green purchase value. By mapping the green consumption patterns of Generation Z in developing countries, we can see that individual-based mechanisms still play an important role, although they will differ from the surrounding social norms
ISLAMIC ECONOMICS AND PAYLATER PRACTICES IN THE DIGITAL SHOPPING ERA: A SYSTEMATIC LITERATURE REVIEW Rizka Fatkhin Nisa
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.
PEMASARAN GLOBAL DI ERA KECERDASAN BUATAN : PELUANG DAN TANTANGAN UNTUK BRAND INTERNASIONAL Triana Hasty Kusuma; Sari Wijayanti; Novita Yuliana; Rizka Fatkhin Nisa; Stevi Jimry Poluan
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.
Co-Authors Feri Dwi Riyanto Fuad Abdul Fattah Naufal Dzakwana Muhammad Novita Yuliana Poluan, Stevi Jimry Sari Wijayanti Sari Wijayanti Stevi Jimry Poluan Tamrin, Muhammad Husni Triana Hasty Kusuma Yanuar Surya Putra Yuliana, Novita