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Analisis Pengaruh Regulasi Syariah, Akses Pembiayaan Syariah, dan Inovasi Digital terhadap Kinerja Keuangan UMKM Halal Nurdiyanti, Eva; Riduwan, Riduwan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.996

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh regulasi syariah, akses pembiayaan syariah, dan inovasi digital terhadap kinerja keuangan UMKM halal di Kabupaten Ponorogo. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei yang melibatkan 150 pelaku UMKM halal. Analisis data dilakukan dengan menggunakan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa regulasi syariah (koefisien = 0,298; p < 0,01), pembiayaan syariah (koefisien = 0,215; p < 0,05), dan inovasi digital (koefisien = 0,347; p < 0,01) berpengaruh signifikan terhadap kinerja keuangan UMKM. Selain itu, inovasi digital memediasi hubungan antara regulasi syariah dan pembiayaan syariah terhadap kinerja keuangan (koefisien mediasi masing-masing = 0,142 dan 0,163). Model tersebut memiliki nilai R² sebesar 0,612 yang menunjukkan model tersebut menjelaskan 61,2% variasi kinerja keuangan. Temuan-temuan ini menekankan pentingnya regulasi, pembiayaan, dan inovasi digital dalam memperkuat ekosistem UMKM halal. Keterbatasan penelitian ini antara lain penggunaan data cross-sectional dan ketergantungan pada persepsi subjektif responden. Penelitian selanjutnya disarankan untuk menggunakan data longitudinal dan menyertakan variabel kontekstual untuk memperluas generalisasi temuan. Inovasi digital terbukti meningkatkan efektivitas regulasi dan pembiayaan dalam meningkatkan kinerja UMKM. Temuan-temuan ini menawarkan implikasi yang signifikan bagi pengembangan kebijakan ekonomi berbasis wilayah yang berakar pada prinsip-prinsip Syariah dan digitalisasi. Penelitian selanjutnya didorong untuk menyertakan variabel eksternal untuk memperdalam pemahaman tentang pemberdayaan UMKM halal yang berkelanjutan.
Total Quality Management Pengaruhnya Terhadap Kinerja Keuangan Rumah Sakit di RSU ‘Aisyiyah Ponorogo Nurdiyanti, Eva; Riduwan; Asakdiyah, Salamatun
As-Syirkah: Islamic Economic & Financial Journal Vol. 4 No. 2 (2025): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/bdsx5d40

Abstract

This study aims to examine the impact of Total Quality Management (TQM) implementation on the financial performance of RSU 'Aisyiyah Ponorogo, focusing on seven key dimensions: managerial leadership, data-driven decision-making, process management, continuous improvement, employee involvement, supplier relationships, and customer focus. TQM is regarded as a strategic approach to enhance organizational effectiveness and efficiency by engaging all institutional elements in continuous improvement efforts. The research employs a quantitative approach using a survey method. Data were collected through a closed-ended questionnaire based on a Likert scale, distributed to 105 respondents—employees of RSU 'Aisyiyah Ponorogo who have worked for a minimum of three years and have been involved in TQM implementation. Data analysis was conducted using validity and reliability tests, as well as multiple linear regression analysis with SPSS version 25. The results indicate that, individually, all independent variables have a positive and significant effect on financial performance. Simultaneously, the implementation of TQM significantly contributes to enhancing operational efficiency, reducing waste, and strengthening the hospital’s competitiveness by improving customer satisfaction and fostering effective collaboration with suppliers. The roles of managerial leadership and data-driven decision-making are found to be crucial in steering cost-efficiency and strategic optimization. Moreover, active employee engagement and continuous improvement initiatives directly support the financial stability and growth of the hospital. This study concludes that integrated TQM implementation not only improves service quality but also strengthens the hospital’s financial performance in a sustainable manner. The findings provide theoretical contributions to the development of quality management in the healthcare sector and practical implications for hospital policymakers in designing strategies to enhance financial performance.