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All Journal Ilmu Administrasi Publik Holistic Journal Of Management Research JAKPP : Jurnal Analisis Kebijakan & Pelayanan Publik Jurnal Organisasi Dan Manajemen Jurnal Pendidikan Terbuka Dan Jarak Jauh SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Bisma: Jurnal Bisnis dan Manajemen JMS : Jurnal Manajemen Sinergi Hibualamo : Seri Ilmu-Ilmu Sosial dan Kependidikan AkMen JURNAL ILMIAH JISIP: Jurnal Ilmu Sosial dan Pendidikan Journal of Saintech Transfer Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Journal Of Management Science (JMAS) Jurnal Pendidikan Cakrawala Management Business Journal International Journal of Economics Development Research (IJEDR) Jurnal Ilmiah Profesi Pendidikan Jurnal Ilmiah Manajemen Kesatuan Enrichment : Journal of Management Journal of Economic, Public, and Accounting (JEPA) BJRM (Bongaya Journal of Research in Management) Al Qisthi: Jurnal Sosial dan Politik Coopetition : Jurnal Ilmiah Manajemen Journal of Management and Bussines (JOMB) Akrab Juara : Jurnal Ilmu-ilmu Sosial Al-Qisthi: Jurnal Sosial dan Politik Terbuka Journal of Economics and Business INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Indonesian Community Journal Studi Akuntansi, Keuangan, dan Manajemen Jurnal Pengabdian Mandiri JURNAL SIPISSANGNGI: Jurnal Pengabdian Kepada Masyarakat JAQ Jurnal Ekonomika Manajemen Dan Bisnis Jurnal Manajemen, Akuntansi, Ekonomi Journal of Artificial Intelligence and Digital Business JAMAS: Jurnal Abdi Masyarakat Jurnal Strategi Bisnis Teknologi Asian Journal of Management, Entrepreneurship and Social Science Society Jurnal Riset Multidisiplin Edukasi Journal of Management Branding Indonesia Economic Journal Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah
Anfas, Anfas
Jurusan Manajemen, Fakultas Ekonomi, Universitas Terbuka
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Analisis Fluktuasi Kinerja Tahunan Koperasi Cendana Melalui Rapat Anggota Tahunan (RAT) Nabila, Faiza Rahma; Anfas, Anfas
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3462

Abstract

Penelitian ini bertujuan untuk mengkaji fluktuasi kinerja keuangan tahunan Koperasi Pegawai Republik Indonesia (KPRI) “Cendana” yang berada di SMP Negeri 2 Pekalongan, berdasarkan laporan Rapat Anggota Tahunan (RAT) untuk tahun buku 2023–2024. Koperasi sebagai organisasi yang berbasis keanggotaan memiliki peran yang signifikan dalam meningkatkan kesejahteraan anggotanya melalui manajemen keuangan yang jelas dan berkelanjutan. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif deskriptif dengan menggunakan data sekunder dari laporan keuangan koperasi, mencakup kas, modal, piutang, volume usaha, serta Sisa Hasil Usaha (SHU). Analisis dilakukan dengan menerapkan rasio keuangan yang mencakup rasio likuiditas, solvabilitas, dan rentabilitas untuk mengevaluasi stabilitas, efisiensi, dan efektivitas pengelolaan keuangan koperasi. Temuan penelitian menunjukkan terjadinya penurunan pada beberapa indikator penting, yakni SHU yang menurun sebesar 11,82%, piutang anggota yang berkurang 55%, dan total modal yang turun 3,58%. Namun, saldo kas mengalami peningkatan menjadi Rp 141.629.039, Pemupukan Modal Koperasi (PMK) bertambah sebesar 10%, dan Dana Cadangan Risiko meningkat 3,04%. Situasi ini menunjukkan bahwa koperasi masih memiliki likuiditas yang cukup meskipun terdapat tekanan pada sisi profitabilitas dan permodalan. Secara umum, kinerja keuangan KPRI “Cendana” terlihat cukup stabil, dengan pengelolaan yang transparan dan akuntabel. Untuk memastikan keberlanjutan, koperasi disarankan untuk memperluas unit usaha di luar kegiatan simpan pinjam, meningkatkan keterlibatan anggota, serta menerapkan inovasi digital dalam pengelolaan administrasi dan keuangannya agar kinerja organisasi dapat lebih optimal di masa depan.
Analisis Efektivitas Penerapan Sistem Digital terhadap Kenerja Usaha Mikro Kecil dan Menengah (UMKM) (Studi Kasus pada Usaha Rental Playstation Box (PlayBox) di Kota Medan) Nurallikha Cinta Emdys; Anfas
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 11 (2025): Jurnal Riset Multidisiplin Edukasi (Edisi November 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i11.1191

Abstract

This study aims to analyze the influence of digital system effectiveness on the business performance of PlayStation Box (PlayBox) rental enterprises that operate using a portable daily-rental system. The phenomenon of digitalization has encouraged traditional entertainment businesses to adapt by integrating digital technologies into their booking, payment, and customer management processes. This research employs a quantitative approach with a survey method targeting PlayStation rental operators who have implemented digital systems in their transactional and operational management activities. A saturated sampling technique was applied to 18 business owners (respondents) in Medan City. Data were analyzed using simple linear regression to measure the relationship between digital system effectiveness and business performance. The results indicate that the effectiveness of digital system implementation has a positive and significant effect on improving the performance of PlayBox rental businesses, particularly in terms of security, operational efficiency, service convenience, and market reach expansion. These findings highlight digitalization as a crucial factor in enhancing the competitiveness of rental-based entertainment businesses in the modern era. Optimization of digital systems and improved technological literacy are recommended to enable business owners to fully leverage digital opportunities.
The Impact of Digitalization Through QRIS Utilization on MSMEs Performance in Expanding Market Reach and Enhancing Transaction Efficiency Agustiani, Wulan; Anfas, Anfas
International Journal of Education, Information Technology, and Others Vol 8 No 4 (2025): International Journal of Education, information technology   and others
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of digital technology has had a profound impact on financial transaction systems and business patterns, particularly for Micro, Small, and Medium Enterprises (MSMEs). One of the most influential innovations is the Quick Response Code Indonesian Standard (QRIS), developed by Bank Indonesia. This study aims to analyze the effect of QRIS utilization on MSME actors in expanding market reach and enhancing transaction efficiency. The research employs a qualitative descriptive approach based on literature review and secondary data analysis obtained from Bank Indonesia, the Financial Services Authority (OJK), and the Ministry of Cooperatives and SMEs. The findings indicate that the adoption of QRIS has increased transaction efficiency by up to 35% and broadened the digital market reach of MSMEs. Nevertheless, several challenges persist, including low levels of digital literacy and limited network infrastructure in certain regions. This study affirms that QRIS plays a crucial role in strengthening financial inclusion and enhancing national economic competitiveness.
Financial Stress, Dampak dan Strategi Penanganannya Pada Mahasiswa Selama Studi Anfas, Anfas; Syamsuddin, Fajar Rakasiwi
Coopetition : Jurnal Ilmiah Manajemen Vol. 16 No. 3 (2025): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/s7bwy963

Abstract

This research systematically reviews the factors influencing student financial stress, its impact on academic success, and effective coping strategies. A literature review of studies published between 2020 and 2025 reveals that student financial stress results from the interaction of personal factors (literacy, self-efficacy, attitude towards debt), structural factors (cost of education and economic conditions), and situational factors (the pandemic and social pressure). The reported impacts encompass mental health, academic motivation, and general well-being. Mitigation efforts require a holistic approach combining financial education, psychological support, and institutional policies to foster a learning environment that is financially and emotionally healthier. This review contributes to enriching the understanding of the importance of student financial well-being for long-term academic success.
Strategi Diferensiasi Warung Kelontong Multi-Layanan : Inovasi Layanan Transaksi Digital dalam Menciptakan Keunikan Bersaing di Kawasan Padat Pesaing Irma Iqlima Nurussa’ban; Anfas Anfas
Jurnal Strategi Bisnis Teknologi Vol. 2 No. 4 (2025): November : Jurnal Strategi Bisnis Teknologi (JUSBIT)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jusbit.v2i4.1052

Abstract

This research aims to throughly explore the differentiation strategy model implemented by the small-medium enterprise (SME) grocery store of  "Yussandi Komunika," in integrating digital transaction services such as prepaid credits, electricity tokens, and e-wallet top-ups, as an effort to create a competitive advantage. The background of the problem is driven by the highly competitive conditions in densely populated areas, where traditional grocery stores are compelled to transform in order to maintain their business relevance.Digital service innovation, presented through an adaptive and user-focused platform, has proven to be a core competency that is difficult to imitate and rare, simultaneously providing a sustainable competitive advantage. This innovation not only addresses the challenges of densely populated conditions but also establishes a new standard for efficiency and customer experience in a competitive market.The effective differentiation model for multi-service grocery stores in highly competitive areas is not solely based on price, but rather on a combination of services and the quality of interpersonal service. The store transforms into a "mini service point" offering one-stop shopping convenience for customers. The main differentiation strategies identified include: (1) Core Service Differentiation (offering comprehensive PPOB (Payment Point Online Banking) services and e-wallet balance availability), (2) Personnel Differentiation (quality of communication and speed of friendly service), and (3) Image Differentiation (creating a perception as a trustworthy and modern store).  
Analisis Komparatif Purchase Intention dan Brand Loyalty: Dikotomi Fandom CARAT dan Non-Fans sebagai Respons atas Brand Ambassador Dino SEVENTEEN Risma Ridayanti; Anfas
Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah Vol. 1 No. 6 (2025): Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah (Bulan Desember 2025)
Publisher : PT. Saha Kreasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64788/ar-rasyid.v1i6.226

Abstract

This study investigates the differences in brand loyalty and purchase intention based on consumer status as Fans or Non-Fans of a particular endorser. A quantitative method was applied to a sample of 93 people (49 Fans, 44 Non-Fans). The research instrument proved to be reliable with a Cronbach's Alpha value > 0.70. Data analysis using the Mann-Whitney non-parametric test—chosen due to the abnormality of purchase intention data in the Fan group—showed insignificant results. The significance values for brand loyalty (0.757) and purchase intention (0.121) were above the threshold of 0.05, meaning there were no substantial differences between the two groups. These findings confirm that fan labels are not key factors driving loyalty or purchase intention. Thus, company strategies should be more oriented towards other variables such as product quality, service experience, and promotional effectiveness.
Fintech's Mediating Role in Financial Efficacy, Risk, and Investment Decisions Anfas, Anfas; Syamsuddin, Fajar Rakasiwi
Studi Akuntansi, Keuangan, dan Manajemen Vol 5 No 3 (2026): January
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i3.5741

Abstract

Purpose: This study examines the mediating role of financial technology (fintech) in the relationship between financial efficacy, risk perception, and investment decisions among Indonesian millennials in the capital market. Methodology: A quantitative approach was employed, utilizing an online questionnaire distributed to millennial investors in Indonesia. The collected data were analyzed using multiple linear regression analysis with SPSS to test both direct effects and mediating relationships. Findings: The results indicate that financial efficacy positively influences investment decisions, while risk perception exerts a significant negative effect. Fintech significantly mediates the relationships between both financial efficacy and investment decisions, and between risk perception and investment decisions. The complete model explains 56.8% of the variance in investment decisions. Conclusion: The study concludes that fintech platforms serve as a crucial mechanism through which financial efficacy and risk perception influence millennial investment behavior. Enhancing fintech features can effectively channel financial confidence while mitigating risk apprehensions, ultimately promoting capital market participation among younger investors. Limitations: The study's limitations include a relatively small sample size and the use of purposive sampling, which may affect the generalizability of the findings to the broader population of millennial investors. Contribution: Theoretically, this research extends Self-Efficacy Theory by validating fintech's mediating role in investment behavior. Practically, it suggests that securities companies and fintech developers should enhance user-friendly interfaces, educational features, and platform transparency to boost investor confidence and facilitate informed decision-making.
The Effect Of Non-Transparent Compensation Systems On Employee Motivation And Performance In The F&B Industry At Pt Jakspan Sentra Batam Rismayani, Bella; ., Anfas
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 2 (2025): Juli-Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i2.3842

Abstract

The Food & Beverage (F&B) industry relies heavily on the quality and performance of human resources, making the compensation system implemented by a company a crucial factor in maintaining employee motivation and performance. However, non-transparent compensation practices are still prevalent and can create uncertainty and perceptions of unfairness in the workplace. This study aims to analyze the effect of a non-transparent compensation system on employee motivation and performance at PT Jakspan Sentra Batam. The study used a quantitative approach with a causality method, involving 84 respondents selected through simple random sampling. Data were collected using a questionnaire and analyzed through simple linear regression. The results showed that non-transparent compensation had a positive effect on employee motivation (r = 0.618; p <0.00) and performance (r = 0.604; p <0.00). This finding confirms that although compensation remains a driver of motivation and performance, low levels of transparency can hinder its effectiveness. Therefore, companies need to increase transparency in the compensation system to promote fairness, build trust, and optimize employee motivation and performance in the long term. When companies provide clear, fair, and consistent compensation information, employees feel more understood and valued, which motivates them to perform better. This transparency has not only psychological but also behavioral impacts, reflected in increased productivity and performance.
Analisis Strategi Bauran Pemasaran Dalam Meningkatkan Volume Penjualan Keripik Bawang NS Ampel TRIATMOKO; ANFAS
AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi Vol 17 No 2 (2025): Akuntabilitas
Publisher : Universitas Islam Balitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35457/qh6pfa70

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan strategi bauran pemasaran (marketing mix 4P: produk, harga, tempat, dan promosi) dalam meningkatkan volume penjualan pada usaha keripik bawang NS Ampel. Latar belakang penelitian ini didasari oleh meningkatnya persaingan dalam industri makanan ringan serta perlunya strategi pemasaran yang efektif agar pelaku usaha mampu bertahan dan berkembang di tengah dinamika pasar. NS Ampel sebagai salah satu pelaku usaha mikro di bidang makanan ringan menghadapi berbagai tantangan, antara lain ketidakstabilan pasokan bahan baku dan keterbatasan dalam strategi promosi yang masih terfokus pada media sosial. Oleh karena itu, penelitian ini mencoba mengkaji sejauh mana penerapan strategi bauran pemasaran dapat memberikan pengaruh positif terhadap peningkatan penjualan dan daya saing produk. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis studi kasus. Data diperoleh melalui wawancara mendalam dengan pemilik usaha, observasi kegiatan pemasaran melalui media sosial, serta studi kepustakaan untuk memperkuat dasar teori. Teknik triangulasi digunakan guna memastikan keabsahan data yang diperoleh dari berbagai sumber. Hasil penelitian menunjukkan bahwa penerapan strategi bauran pemasaran 4P berdampak signifikan terhadap peningkatan volume penjualan keripik bawang NS. Dalam aspek produk, NS telah menciptakan identitas merek melalui inovasi kemasan dan label informatif. Dari sisi harga, penetapan harga kompetitif yang disesuaikan dengan demografi konsumen mampu menarik minat pasar. Pada aspek tempat, penggunaan media sosial memberikan efektivitas promosi yang cukup baik, meskipun perlu diperluas ke platform e-commerce. Sementara itu, strategi promosi yang melibatkan kegiatan pameran dan testimoni konsumen terbukti meningkatkan kesadaran merek. Secara keseluruhan, penerapan bauran pemasaran 4P memberikan dampak positif terhadap peningkatan penjualan dan citra merek NS Ampel. Namun demikian, penelitian ini juga merekomendasikan perlunya diversifikasi saluran distribusi dan penguatan identitas merek agar pertumbuhan usaha dapat berkelanjutan dalam jangka panjang.
Pengaruh Upah Minimum Kabupaten Terhadap Kinerja Karyawan Generasi Z di Kabupaten Wonogiri (Studi Kuantitatif Periode 2021-2025) Putri, Vivi Ariani; Anfas, Anfas
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 4 No. 3 (2026): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v4i3.1814

Abstract

Penelitian ini bertujuan menganalisis pengaruh Upah Minimum Kabupaten (UMK) terhadap kinerja karyawan Generasi Z di Kabupaten Wonogiri, daerah non-industri yang didominasi sektor pertanian. Pendekatan kuantitatif eksplanatori diterapkan dengan kuesioner tervalidasi sebagai alat pengumpul data primer dari sampel purposive karyawan Generasi Z usia produktif. Analisis data menggunakan IBM SPSS mencakup statistik deskriptif, uji asumsi klasik, korelasi Pearson, dan regresi linier sederhana untuk menguji hipotesis pengaruh variabel independen (UMK) terhadap dependen (kinerja: efektivitas, efisiensi, produktivitas, tanggung jawab). Hasil menunjukkan tren peningkatan signifikan kinerja Generasi Z seiring kenaikan UMK dari Rp1.827.000 (2021) menjadi Rp2.180.587 (2025), dengan skor rata-rata kinerja naik dari 3,48 menjadi 4,12 (skala 1-5), produktivitas 70,5% ke 81,3%, dan efektivitas 68 ke 80. Uji statistik mengonfirmasi hubungan positif kuat (r=0,992; p=0,001), pengaruh signifikan (β=1,780E-06; t=13,561; p=0,001), selaras dengan teori upah efisiensi. Novelty penelitian ini merupakan bukti empiris pertama hubungan UMK-kinerja Generasi Z di konteks ekonomi agraris Jawa Tengah, di mana UMK rendah membatasi motivasi akibat minimnya industri. Implikasi kebijakan merekomendasikan UMK seimbang yang mempertimbangkan kebutuhan hidup layak dan kemampuan perusahaan, didukung sinergi pemerintah-pengusaha untuk investasi industri, penguatan struktur ekonomi, dan strategi manajemen SDM berkelanjutan guna optimalisasi produktivitas generasi muda.
Co-Authors ., Milwan Abdul Latif Abdul Latif Abdul Latif Abdul Rahman Rahim Abdul Rahman rahim Agus Joko Purwanto Agustiani, Wulan Ananda, Siti Hadrayanti Andi Irdan Atjo Mea Ari Sujipto AS Aku, AS Buamonabot, Irfandi Bulkis Bulkis Bulkis Bulkis Dedu, La Ode Arfan Edinna, Melfin Eko Ady Prabowo Fajar Rakasiwi Syamsuddin Fajar Rakasiwi Syamsuddin Fatana, Nurul Fausiah, Andi Gultom, Rosdelita Hafel, Muhlis Hamida A. Jasin Harapin Hafid H. Harli A. Karim Helmi Hi. Yusuf Hendrian Hi. Adam, Muhammad Darsan Hi. Yusuf, Helmi Hidayanti, Ida Ibnu Sina Hi. Yusuf Ibnu Sina Hi. Yusuf Ida Hidayanti Irma Iqlima Nurussa’ban Jamil, Julfi Julfi Jamil Lilis Suryani Lisda Ariani Simabur Lisda Ariani Simabur Lisda Ariani Simabur Mas'ud, Arifuddin Masrikha, Rahma Nur Meirani Harsasi Milwan, Milwan Minrohayati . Mohbir Umasug Muh. Arman Yamin Pagala Muhamad Dhanutirto F. Tuwow Muhammad Amrullah Pagala Muhammad Sajidin Nabila, Faiza Rahma Nahda Nahda Nur Indah Sari Arbit Nurallikha Cinta Emdys Nurdyah Prabowo, Eko Ady Purwanto, Agus Joko Putri, Vivi Ariani Qaizar Qaizar Rifka Rahmawati Rina Astarika, Rina Risma Ridayanti Rismayani, Bella Riva'i, Dian Rahmayanti Saddam Husain Tamrin Safitri, Julia Said, Samsuardi Simabur, Lisda Ariani Sudarwo, Raden Sudarwo, Raden Sujipto*, Ari Sukmawan, Sandi Suparjo Razasli Carong Suriana AR Mahdi Suriana AR. Mahdi, Suriana AR. Syafiuddin Syafiuddin Syafiuddin Syahrinullah Syahrinullah Syamsuddin, Fajar Rakasiwi Thamrin, Saddam Husain TRIATMOKO Umasugi, Mohbir Umikalsum Arfa Wahyuddin Wulandari, Futri Ayu Yusuf Yusuf Yusuf Yusuf Yusuf, Ibnu Sina Hi. Yusuf, Yusuf Zainuddin Zainuddin Zainuddin, Zainuddin Zulkarnain Umar