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All Journal JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Business, Entrepreneurship, and Management Journal Hasina: Jurnal Akuntansi dan Bisnis Syariah
Jodi Septiadi Akbar
Politeknik Caltex Riau
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Optimalisasi Strategi Penjaminan Kredit dalam Mendukung UMKM: Studi Kasus BUMD di Provinsi Riau Jodi Septiadi Akbar
Jurnal Akuntansi dan Bisnis Syariah Vol 2 No 1 (2025): Edisi 2
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/hasina.v2i1.1728

Abstract

Usaha mikro, kecil, dan menengah (UMKM) di Indonesia sering menghadapi tantangan dalam mengakses pembiayaan perbankan, terutama karena keterbatasan agunan. Untuk mengatasi masalah ini, pemerintah membentuk perusahaan penjaminan kredit sebagai alternatif solusi. Penelitian ini berfokus pada PT Jamkrida Riau, sebuah perusahaan penjaminan kredit daerah, dengan tujuan: (1) mengidentifikasi faktor lingkungan internal dan eksternal yang memengaruhi kinerja perusahaan; (2) mengevaluasi alternatif strategi pengembangan usaha; dan (3) menentukan prioritas strategi untuk pertumbuhan yang berkelanjutan. Penelitian ini menggunakan alat analisis matriks IFE, EFE, SWOT, dan QSPM. Hasil penelitian menunjukkan bahwa pengendalian risiko internal, peningkatan penyertaan modal, dan adaptasi teknologi merupakan strategi utama yang perlu diutamakan untuk meningkatkan daya saing dan efektivitas operasional perusahaan. Penemuan ini memberikan wawasan praktis bagi perusahaan penjaminan kredit dalam mendukung pertumbuhan UMKM di Indonesia
Pengaruh Kepemimpinan Transformasional, Work-Life Balance dan Pengembangan Karir Terhadap Retensi Milenial dan Gen-Z Melalui Kepuasan Kerja Syintia Mega Putri; Figo Alimbel; Ramadhana Aulia Wisdawati; Jodi Septiadi Akbar
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 4 (2026): Agustus 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i4.6517

Abstract

This study was conducted to examine the influence of Transformational Leadership, Work-Life Balance, and Career Development on Millennial and Gen-Z Retention through Job Satisfaction among banking employees in Pekanbaru City. The study used a quantitative approach. Quantitative data were obtained by distributing questionnaires to 100 Millennial and Gen-Z banking employees and analyzed using the Smart PLS 4 data processing system. The results showed that Transformational Leadership (β = 0.241; p = 0.004) means that Transformational Leadership has a positive and significant effect on Job Satisfaction, Work-Life Balance (β = 0.386; p = 0.000) means that Work-Life Balance has a positive and significant effect on Job Satisfaction, and the influence of Career Development (β = 0.419; p = 0.000) has a positive and significant effect on Job Satisfaction. Job Satisfaction was proven to have a very significant effect on Employee Retention with a path coefficient of (β = 0.567; p = 0.000). For the indirect influence of the mediation variable, it shows that Leadership has a positive and significant indirect influence on employee retention through Job Satisfaction with a coefficient value of 0.137. Then the Work-Life Balance variable shows a positive and significant indirect influence on employee retention through job satisfaction with a coefficient value of 0.219. And finally, Career Development has the greatest indirect influence on employee retention through job satisfaction with a coefficient value of 0.238. For the influence of Career Development, it is the variable with the highest level of results in increasing job satisfaction, followed by Work-Life Balance and Transformational Leadership. These findings provide practical implications for banking management to develop comprehensive retention strategies and policies with a focus on sustainable career development, work flexibility, and an inspirational leadership style to retain high-potential employee talent in the company.
THE MEDIATING ROLE OF TRANSACTION EFFICIENCY BETWEEN QRIS ADOPTION AND MSME PERFORMANCE IN PEKANBARU Jodi Septiadi Akbar; Ramadhana Aulia Wisdawati; Fortinov Akbar Irdam
BEMJ: Business, Entrepreneurship, and Management Journal Vol. 5 No. 1 (2026)
Publisher : Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/md4q7c34

Abstract

Digital payment adoption has become increasingly important for micro, small, and medium enterprises (MSMEs), yet how QRIS adoption translates into business performance remains insufficiently explained. This study examines transaction efficiency as a mediating mechanism between QRIS adoption and MSME performance in Pekanbaru City, Indonesia. A quantitative explanatory survey was conducted among 118 MSMEs that actively used QRIS, selected through purposive sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed using descriptive statistics, regression analysis, and the Sobel mediation test. The results show that QRIS adoption has a positive and significant effect on transaction efficiency (β = 0.830, p < .001), while transaction efficiency has a positive and significant effect on MSME performance (β = 0.792, p < .001). In contrast, the direct effect of QRIS adoption on MSME performance is not significant (β = −0.107, p = .633). The mediation test indicates a significant indirect effect (Sobel Z = 3.7213, p < .001), suggesting that transaction efficiency functions as the key mechanism linking QRIS adoption to business performance. The findings indicate that technological adoption alone is insufficient to generate business outcomes; its value depends on operational integration. Practically, MSMEs should utilize QRIS transaction records for bookkeeping, reconciliation, and cash-flow monitoring, while policymakers should strengthen digital financial management training.
Co-Authors Figo Alimbel Fortinov Akbar Irdam Ramadhana Aulia Wisdawati Syintia Mega Putri