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All Journal Jurnal Kolaboratif Sains Jurnal Manajemen Bisnis Era Digital
Zahra Adistya Saffanah
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Analisis Risiko Operasional Dalam Proses Penagihan Piutang: Studi Kasus Pada PT KAI Daop 8 Surabaya: Operational Risk Analysis in the Receivables Collection Process: Case Study at PT KAI Daop 8 Surabaya Rizka Ardillah; Zahra Adistya Saffanah; Latifatur Rohmah; Mohammad Khusnu Milad
Jurnal Kolaboratif Sains Vol. 8 No. 5: Mei 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i5.7494

Abstract

PT Kereta Api Indonesia (Persero) memanfaatkan penyewaan aset sebagai salah satu sumber pendapatan non-angkutan. Namun, dalam praktiknya, proses penagihan piutang sering menghadapi hambatan yang berujung pada risiko operasional. Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis berbagai bentuk risiko operasional yang timbul selama proses penagihan piutang di PT KAI Daop 8 Surabaya, serta mengevaluasi dampaknya terhadap arus kas dan pencapaian target pendapatan perusahaan. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus untuk mengidentifikasi dan menganalisis risiko operasional dalam proses penagihan piutang. Pengumpulan data dilakukan melalui wawancara mendalam dan observasi langsung terhadap prosedur yang diterapkan di lapangan. Hasil penelitian menunjukkan bahwa meskipun prosedur penagihan telah dijalankan sesuai SOP, masih terdapat kendala dalam efektivitas pelaksanaannya. Strategi mitigasi seperti pendekatan humanis dan pembentukan Tim Optimalisasi Aset telah diterapkan untuk mengurangi dampak risiko. Namun demikian, kelemahan dalam sistem administrasi dan kurangnya integrasi data masih menjadi tantangan yang perlu diperbaiki. Penelitian ini menegaskan pentingnya penguatan pengendalian internal serta pengelolaan risiko yang lebih proaktif dalam mendukung stabilitas keuangan perusahaan.
Analisa SWOT Penggunaan QRIS pada Pemahaman Pengelolaan Keuangan: Studi Kasus Pelaku Usaha Mikro Sektor Makanan di Tropodo Sidoarjo Zahra Adistya Saffanah; Riska Ayu Setiawati
Jurnal Manajemen Bisnis Era Digital Vol. 2 No. 4 (2025): November : Jurnal Manajemen Bisnis Era Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumabedi.v2i4.998

Abstract

This study aims to analyze the SWOT of the application of the Quick Response Indonesian Standard (QRIS) in deepening the understanding of financial management in micro business actors in the food sector in Tropodo, Sidoarjo. The method used is qualitative descriptive with case studies, through in-depth interviews with five business actors who have adopted QRIS. The data was analyzed using source triangulation to ensure the validity of the findings. The results of the study show that QRIS provides strength in the form of ease of transactions, automatic recording, cash flow transparency, and increased consumer competitiveness. Weaknesses that arise include delays in disbursement of funds, deduction fees, mixing business funds with personal funds, and lack of understanding of advanced features. From the external side, opportunities are reflected in the trend of cashless society, digital financial literacy, integration with supporting applications, and the expansion of the cashless payment ecosystem. Meanwhile, threats include network disruptions, security risks, reliance on service providers, and potential data leaks. Overall, QRIS not only acts as a means of payment, but also as a strategic instrument for MSME financial governance. Therefore, it is important to increase financial literacy and infrastructure support so that the benefits of QRIS can be optimized.
Co-Authors Latifatur Rohmah Milad, Mohammad Khusnu Riska Ayu Setiawati Rizka Ardillah