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All Journal Journal of Ekonomics, Finance, and Management Studies
Daman Sudarman
Universitas Muhammadiyah Jakarta
Religion Economics, Econometrics & Finance

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Strategi Operasional dalam Persfektif Koperasi Desa Merah Putih Ngakan Made Karya Mardika; Nia Puspita Hapsari; Daman Sudarman; Novita Kurniawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8802

Abstract

This study aims to examine, and design an efficient operational strategy at the Merah Putih Village Cooperative through a collaboration of the Just-In-Time (JIT), and Total Quality Management (TQM) approaches. The background of this study is based on the problem of low operational efficiency of cooperatives which has an impact on the mismatch between member demand and cooperative service capacity. The main objective of the study is to formulate a collaborative model of JIT and TQM that can increase productivity, reduce waste, and ensure the quality of cooperative services and products. The methodology used is a qualitative approach with a case study, involving field observations, in depth interviews with cooperative administrators and members, and internal documentation analysis. Data analysis techniques are carried out through a thematic approach and triangulation to obtain the validity of the results. The results of the study indicate that the application of the JIT principle can minimize unproductive inventory, while the application of TQM encourages a work culture that is oriented towards continuous improvement and member satisfaction. The collaboration of these two strategies has been proven to be able to increase the operational efficiency of cooperartive by up to 35%, accelerate the service cycle, and significantly reduce the level of member complains. The implications of these findings indicate that village cooperatives can apply a modern management approach by adjusting it to the local context, as well as the importance of continuous training for cooperative human resources. The proposed JIT - TQM corroborative model can be used as a reference for the cooperative in increasing competitiveness and operational efficiency in the people’s economic sector.
Pengaruh Kualitas Pelayanan dan Tingkat Pemahaman Regulasi Terhadap Preferensi Pemilihan Lembaga Keuangan Lokal Melalui Persepsi Nilai di Desa Tamanbali Karya Mardika Ngakan Made; Daman Sudarman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10448

Abstract

This study was conducted to analyze the influence of service quality and regulatory understanding on selection preference, with perceived value as a mediating variable in local financial institutions in Tamanbali Village. The background of this research is based on the importance of understanding customer behavior in determining their preferred financial institutions amid increasing competition among local financial service providers. This research employs a quantitative approach using the Partial Least Squares (SmartPLS 4) method. Data were collected through questionnaires distributed to respondents who use local financial services in Tamanbali Village, including customers of LPD, BUMDes, and KDMP, with a total sample of 268 respondents. Validity and reliability tests, as well as structural model evaluations, were conducted to assess the strength of the relationships among the research variables. The results indicate that service quality has a positive and significant effect on selection preference, while regulatory understanding has a negative and significant effect on selection preference. Furthermore, perceived value positively and significantly affects selection preference. The mediation test confirms that perceived value significantly mediates the relationship between service quality and regulatory understanding on selection preference. Overall, the findings emphasize that perceived value is a dominant factor shaping customers’ preferences toward village financial institutions. These results are expected to provide theoretical contributions to the development of consumer behavior studies in financial services and practical insights for local financial institution managers in designing strategies to enhance customer value and trust.
Co-Authors Hapsari, Nia Puspita Karya Mardika Ngakan Made Ngakan Made Karya Mardika Novita Kurniawati