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INDONESIA
JURNAL LENTERA BISNIS
Published by Politeknik LP3I Jakarta
ISSN : 22529993     EISSN : 2598618X     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Lentera Bisnis (ISSN 2252-9993, e-ISSN 2598-618X) ini merupakan jurnal ilmiah berkala yang terbit berdasarkan kaidah jurnal ilmiah ditujukan untuk mempublikasikan karya ilmiah hasil penelitian, pengembangan dan studi pustaka di bidang ilmu administrasi bisnis meliputi peminatan ilmu bisnis.
Arjuna Subject : -
Articles 719 Documents
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IMPLEMENTASI SISTEM INFORMASI PEMERINTAHAN DAERAH (SIPD) DI BPKPAD KABUPATEN KLATEN (STUDI KASUS PADA BAGIAN PERBENDAHARAAN) Sari, Yesti; Rosmiati, Mia
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2035

Abstract

The implementation of the Regional Government Information System (SIPD) is part of the government’s efforts to achieve integrated, transparent, and accountable regional financial management. BPKPAD of Klaten Regency has started using SIPD to replace SIMDA; therefore, an evaluation of its implementation, especially in the Treasury Division, is necessary. This study aims to analyze the implementation of SIPD using the DeLone and McLean information system success model, which consists of six dimensions: information quality, system quality, service quality, use, user satisfaction, and net benefits. This study employs a qualitative method with data collection techniques through in-depth interviews and observation of employees who use SIPD. The results show that SIPD has helped improve the efficiency and effectiveness of regional financial management at BPKPAD of Klaten Regency. In terms of information quality, SIPD is able to provide sufficiently accurate and relevant data. In terms of system quality, SIPD is considered quite easy to use, although it still experiences technical disruptions at certain times. The service quality of the system manager is considered quite good, although handling disruptions still requires time. SIPD has become part of daily work activities, and in general, users are quite satisfied. In addition, SIPD also provides benefits in increasing transparency and accountability, as well as supporting decision-making in regional financial management.
PENGARUH FINANCIAL TECHNOLOGY DAN PENGGUNAAN ASET TERHADAP KINERJA KEUANGAN DENGAN EFISIENSI OPERASIONAL SEBAGAI VARIABEL MEDIASI PADA BANK DIGITAL YANG TERDAFTAR DI BURSA EFEK INDONESIA Nurlaela, Nurlaela; Samsu G; Musfira, Ria; Abadi, Indra; Adriani, Adriani
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2040

Abstract

This study aims to analyze the influence of fintech and asset utilization on financial performance, with operational efficiency as a mediating variable, in digital banks listed on the Indonesia Stock Exchange (IDX). Using quantitative data from digital banks' financial reports for the 2021–2024 period, this study examines how the development of financial technology (fintech) and asset utilization affect banks' profitability and financial stability through increased operational efficiency. Sampling in this study was conducted considering relevant and specific criteria to ensure the results reflect the actual conditions of the population studied. The sample was selected from digital banks listed on the Indonesia Stock Exchange in 2024, with complete financial and operational data for at least the past two years. Inclusion criteria included 15 digital banks officially operating and having complete financial reports from 2021 to 2024, representing 75 sample units. The sampling technique used was purposive sampling. The data analysis tool used was SEM (Structural Equation Modeling). The analysis shows that fintech significantly accelerates service innovation and expands market access, thus contributing significantly positively to operational efficiency and financial performance. Optimal asset utilization also plays a crucial role in reducing credit risk and improving portfolio quality, ultimately improving operational efficiency and financial performance. Operational efficiency has been shown to contribute significantly positively to financial performance. Operational efficiency has been shown to be a mediating variable that strengthens the relationship between fintech, asset utilization, and financial performance. This study provides important implications for policymakers and digital bank management in optimizing operational strategies and technology investments to enhance competitiveness in the increasingly dynamic digital financial market.
ANALISIS STRATEGI PEMERINTAH DAERAH ISTIMEWA YOGYAKARTA (DIY) DALAM MENYIKAPI PEMANGKASAN DANA KEISTIMEWAAN TAHUN 2025 Putri Wuragil Suroso, Puspita Anggraeini; Rosmiati, Mia
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2041

Abstract

The 2025 reduction of the Special Fund for the Special Region of Yogyakarta (DIY) necessitates strategic adjustments in asymmetric regional public finance management. Nasional budget efficiency policies affect regional planning and the sustainability of special programs. This article examines the Regional Government of DIY’s strategic response, focusing on public sector strategic planning. Using a qualitative approach and policy document analysis, the study applies Bryson’s Strategy Change Cycle. The findings show that the response involves policy reprioritization, program efficiency, and strengthened inter-agency coordination, while fiscal constraints and institutional complexity remain key challenges.
STRATEGI PEMASARAN BERBASIS RELATIONSHIP MARKETING UNTUK MENINGKATKAN RETENSI PELANGGAN Risdwiyanto, Andriya; Arief, Zaenal; Artino, Adi; Nuraini, Luthfi; Afridhianika, Annisa Nugraheni
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2042

Abstract

This study aims to analyze the effectiveness of relationship marketing strategies in increasing customer retention. This research approach collects data through a literature review, which involves reading literature from various sources including books, articles, journals, and reports using qualitative and deductive approaches. The results of this study indicate that a relationship marketing-based marketing strategy emphasizes building long-term relationships between companies and customers as an effort to increase customer retention. The strategies implemented include personalized service, regular and consistent communication, providing loyalty programs, handling complaints quickly and with solutions, providing appreciation to loyal customers, and involving customers in product or service development. These strategies aim to increase customer satisfaction, trust, and emotional attachment to the company. The implementation of an integrated relationship marketing-based marketing strategy has been proven to play a significant role in strengthening customer loyalty and encouraging the sustainability of long-term business relationships.
PERAN PENCATATAN KEUANGAN DALAM PENGAMBILAN KEPUTUSAN USAHA PADA WIRAUSAHA PEMULA Syamsinar, Syamsinar; Nuryati, Siti; Khalishah, Khansa; Jafar, Adindah Novihartina; Ma'shum, Muhammad
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2043

Abstract

This study aims to determine the role of financial record keeping in business decision-making for start-up entrepreneurs. This research approach collected data through a literature review, involving reading literature from various sources, including books, articles, journals, and reports, using qualitative and deductive approaches. The results of this study indicate that financial record keeping plays a strategic role in supporting business decision-making, particularly for start-up entrepreneurs. By recording cash flow, profit and loss statements, and accounts payable and receivable data, entrepreneurs can monitor financial health, prepare budgets, and objectively evaluate business performance. Financial data also serves as the basis for determining capital requirements, accessing funding sources, and preventing financial irregularities through improved internal controls. Furthermore, financial record keeping plays a crucial role in fulfilling legal obligations, particularly regarding tax reporting, thereby enhancing business credibility and sustainability. With good financial record keeping, start-up entrepreneurs can make more informed business decisions, reduce financial risks, and enhance long-term business sustainability
STRATEGI DIGITAL MARKETING DALAM MENINGKATKAN PENJUALAN PADA UMKM BERBASIS ONLINE Arisandi, Edi; Setiawan, Rachmadi; Amalia, Fisy; Parinduri, Rizka Elvira; Munir, Abdul Razak
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2044

Abstract

This study aims to determine the effectiveness of digital marketing strategies in increasing sales in online-based MSMEs. This research approach collects data through a literature study, which involves reading literature from various sources including books, articles, journals, and reports using qualitative and deductive approaches. The results of this study indicate that digital marketing strategies are proven effective in increasing sales in online-based MSMEs. Some key strategies that can be implemented include utilizing social media as a promotional channel, optimizing marketplaces and websites, implementing content marketing, using paid digital advertising and search engine optimization (SEO), collaborating with influencers and affiliate marketing, customer relationship management (CRM), and data analysis and evaluation of digital marketing performance. The implementation of these strategies allows MSMEs to reach a wider range of consumers, build trust and loyalty, and increase sales sustainably with cost efficiency and appropriate data utilization.
TRUST MEREK DI ERA AI: MEDIASI NIAT BELI GENERASI Z DAN VIRTUAL INFLUENCER Anggraeni, Vilma Dewi
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2045

Abstract

The contemporary digital marketing landscape is defined by the acceleration of Artificial Intelligence (AI) technology, giving rise to the Virtual Influencer (VI) phenomenon and the massive adoption of AI-Generated Content (AIGC). This shift creates new tensions, particularly in cultivating consumer trust among Generation Z, an audience known for valuing authenticity. This study aims to empirically test: (1) the influence of Virtual Influencers on Generation Z consumers' Brand Trust, (2) the influence of AI-Generated Content on Generation Z consumers' Purchase Intention, and (3) the mediating role of Brand Trust within these relationships. Employing a quantitative approach utilizing a Generation Z sample, the study results indicate that the adoption of Virtual Influencers faces significant challenges in establishing Brand Trust due to skepticism surrounding authenticity and the critical need for AI transparency. Conversely, AI-Generated Content was found to have a direct, positive, and significant influence on Purchase Intention, especially when the content is perceived as having high credibility and informativeness. The most crucial finding confirms that Brand Trust acts as a full and vital mediating variable; the influence of both Virtual Influencers and AI-Generated Content on Generation Z's Purchase Intention is only effectively realized after these variables successfully build and sustain brand confidence. The practical implications emphasize that brands must prioritize strict AI transparency ethics and ensure the quality of AIGC focuses on information to convert digital exposure into tangible purchasing actions.
STUDI KOMPARATIF STRATEGI INVESTASI GROWTH INVESTING DAN VALUE INVESTING DI PASAR MODAL INDONESIA Na'afi, Septiana; Afrizal, Afrizal; Wijaya, Sean Michael Owen; Lukito, Laksono Edhi; Agustina, Wiwit
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2046

Abstract

This study aims to analyze and compare the implementation of growth investing and value investing strategies in the Indonesian capital market. The research approach used is a qualitative comparative study method. Data were obtained through in-depth interviews with investors, capital market analysts, and academics, supported by literature and documentation in the form of issuer financial reports and publications from the Indonesia Stock Exchange. Informant selection was conducted using purposive sampling, while data analysis used the Miles and Huberman interactive analysis model, which includes data reduction, data presentation, and conclusion drawing. The results show that both growth investing and value investing are applied in the Indonesian capital market with various adjustments to the volatile market characteristics dominated by retail investors. Growth investing focuses more on a company's future growth potential and offers the opportunity for high returns, but is accompanied by significant volatility risks. Meanwhile, value investing emphasizes finding stocks that promise to be below their intrinsic value with a relatively lower level of risk, although requiring a longer investment period. This study also found that no investment strategy is absolutely superior, as the effectiveness of each strategy is strongly influenced by market conditions, investor characteristics, and investment objectives and horizons. This study concludes that understanding the characteristics of the Indonesian capital market and implementing investment strategies are crucial factors for investors in optimizing portfolio performance. These findings are expected to contribute theoretically to the study of investment strategies and serve as a practical reference for capital market investors in Indonesia.
PERAN SIKAP DALAM MEMEDIASI PENGARUH INNOVATIVENES, MATERIALISME DAN FINANCIAL PRESSURE TERHADAP NIAT BELI PRODUK PRE LOVE Dewa, Muhammad Rakha Kusuma; Kuswati, Rini
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2051

Abstract

This study aims to examine the influence of psychological and social factors on the purchase intention of secondhand clothing among Generation Z. Using a quantitative approach, data were collected from 203 Generation Z respondents who had purchased secondhand clothing through a structured questionnaire based on Likert scale. The sample was selected using purposive sampling to ensure respondents met specific criteria regarding secondhand product purchase experience. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via Smart PLS 3.2 to test the validity, reliability, and relationships between variables, both direct and mediated effects. The results indicate that factors such as fashion innovativeness, materialism, financial pressure, and attitudes toward trends and cleanliness significantly influence the purchase intention of secondhand clothing, mediated by attitudes toward trendy styles. These findings provide important insights into Generation Z consumer behavior and offer practical implications for secondhand clothing businesses in designing targeted marketing strategies

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