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Penny Rahmah
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penny.rahmah@yarsi.ac.id
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Menara Yarsi, Jl. Letjend Suprapto No.Kav. 13, RT.10/RW.5, Cemp. Putih Tim., Kec. Cemp. Putih, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10510
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INDONESIA
Jurnal Orientasi Bisnis dan Entrepreneurship
Published by Universitas Yarsi
ISSN : 27227901     EISSN : 27227995     DOI : -
Core Subject : Economy, Education,
Economics, Econometrics & Finance Other
JOBS adalah Jurnal Orientasi Bisnis dan Entrepreneurship secara periodik yaitu dua kali setahun pada bulan Februari dan Agustus oleh Fakultas Ekonomi dan Bisnis Universitas YARSI. JOBS memuat hasil riset baik berupa penelitian terapan, konsep, ataupun deskriptif. Artikel yang dimuat merupakan hasil telaah dari mitra bebestari yang memiliki keahlian di bidang manajemen, bisnis, dan Entrepreneurship. Artikel yang dimuat dalam JOBS adalah merupakan hasil penelitian yang dapat dipertanggungjawabkan
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 91 Documents
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How Effective Is Credit Analysis in New Car Financing? Insights from PT Clipan Finance Indonesia – Bekasi Branch Waru, A. Putri Djohar Tenri; Sukmawati, Mutiara
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 6 No 2 (2025): DECEMBER 2025
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v6i2.5806

Abstract

The growth of the financing industry in Indonesia has increased the need for effective credit analysis to maintain service quality and manage credit risk. Previous studies mainly emphasize quantitative risk assessment, while limited attention has been given to evaluating the effectiveness of credit analysis procedures at the operational branch level. This study aims to analyze the process and effectiveness of credit analysis procedures for new car financing at PT Clipan Finance Indonesia, Bekasi Branch. The research adopts a descriptive qualitative approach, with data collected through observation, interviews, and documentation. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The findings reveal that the credit analysis process involves debtor data collection, field surveys, creditworthiness assessment by credit analysts, and layered managerial approval based on internal policies. During January–May 2025, 83 financing applications were processed, with 67% approved and 33% rejected due to failure to meet eligibility criteria. Overall, the credit analysis procedures were effective in assessing debtor capability and eligibility. However, challenges remain in document verification and interdepartmental coordination. The study suggests strengthening document validation and improving coordination to enhance credit analysis effectiveness
Intuitionistic Fuzzy Differential Equations for Economic Cycles: Theory and Indonesian Applications Efendi, Efendi; Nazra, Admi; Haripamyu, Haripamyu; Syafwan, Mahdivan
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 6 No 2 (2025): DECEMBER 2025
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v6i2.5850

Abstract

This paper reviews the literature at the intersection of Intuitionistic Fuzzy Differential Equations (IFDEs) and economic modeling, emphasizing their potential to explain economic cycle dynamics under uncertainty. The review identifies a clear research gap, as no existing studies explicitly apply IFDE-based models to economic cycles. To address this gap, the paper synthesizes two related research streams: the mathematical foundations of IFDEs and the application of Intuitionistic Fuzzy Sets (IFS) in economics and finance. The analysis shows that IFDEs extend conventional fuzzy and differential equation models by incorporating membership (µ), non-membership (ν), and hesitation (π) degrees, allowing uncertainty and behavioral ambiguity to be modeled endogenously. Based on this synthesis, a conceptual IFDE-based framework for economic cycle analysis is proposed. Simulation experiments using Indonesia’s macroeconomic data indicate that second-order IFDE models can detect expansion–contraction transition phases 20–30% earlier than classical models and uncover policy-induced uncertainty bands overlooked by standard approaches. These results suggest that IFDEs provide a valuable decision-support tool for policymakers in structurally volatile economies.
A Dual Role of Content Marketing in Linking Brand Awareness and Product Quality to Purchase Intention Novianty, Triyanisa; Faruqi, Faris; Hendryadi, Hendryadi
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 6 No 2 (2025): DECEMBER 2025
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v6i2.5854

Abstract

This study examines the effects of brand awareness and product quality on purchase intention, with content marketing acting as both a mediating and moderating variable. The research was conducted at Tuku Coffee Cempaka Putih, a well-known coffee brand among Generation Z consumers. Using a quantitative approach, data were collected from 381 respondents through purposive sampling and analyzed with Jamovi 2.6.19. The findings reveal that brand awareness and product quality have positive and statistically significant direct effects on purchase intention. Content marketing plays a dual role by significantly mediating and strengthening the relationship between brand awareness, product quality, and purchase intention, with medium-to-strong effect sizes. These results indicate that effective social media–based content marketing enhances brand recall and perceived product quality while amplifying their influence on consumers’ purchase intentions. The novelty of this study lies in demonstrating the simultaneous mediating and moderating roles of content marketing within a single empirical model, particularly among Generation Z consumers in the coffee retail industry. Practically, the findings offer valuable insights for brand managers, digital marketers, and SME owners in developing strategic content marketing to strengthen brand positioning, expand market reach, and build long-term customer loyalty
Mengeksplorasi Faktor Pendorong dan Penarik Minat Berwirausaha Mahasiswa: Sebuah Pendekatan Group Model Building Gani, Ariel Nian; Rofi'i, Muhammad
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 6 No 2 (2025): DECEMBER 2025
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v6i2.5869

Abstract

This study examines the cognitive mechanisms underlying university students’ entrepreneurial intentions by analyzing the interplay of push and pull factors. Using a qualitative system dynamics approach through Group Model Building (GMB), a Causal Loop Diagram (CLD) was co-developed with 13 student-entrepreneurs, identifying fifteen interconnected cognitive drivers shaping entrepreneurial decision-making. The results reveal that pull factors particularly self-fulfillment, perceived opportunity, and supportive environments play a dominant role, while push factors primarily act as triggers that intensify entrepreneurial engagement. The CLD further uncovers reinforcing feedback loops in which entrepreneurial action enhances financial capability, social support, and self-efficacy, thereby sustaining intention over time. From a managerial perspective, the findings suggest that universities and policymakers should design entrepreneurship programs that simultaneously reduce barriers to employment dissatisfaction and strengthen opportunity-driven motivations, supported by experiential learning and ecosystem facilitation. Academically, this study contributes by integrating push–pull theory with cognitive mapping and system dynamics, offering a dynamic, feedback-based explanation of entrepreneurial intention that extends beyond static, variable-centered models.
Participatory Accountability in Savings and Loan Cooperatives: An Interpretive Phenomenological Study in East Lombok Lalu Nova Saza Yusma
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 7 No 1 (2026): JUNE 2026
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v7i1.6049

Abstract

Savings and Loan Cooperatives play a vital role in promoting community-based economic development in Indonesia, yet many particularly in rural areas face governance and accountability challenges, including limited transparency, low member participation, and inadequate financial literacy. This study explores the meaning of participatory accountability in cooperative management practices in East Lombok Regency. Using a qualitative design with an interpretive phenomenological approach, the research captures the lived experiences of administrators, supervisors, and members through in-depth interviews, analyzed using phenomenological thematic analysis. The findings show that accountability is not merely compliance with financial reporting standards or regulatory obligations. Rather, it is a socially constructed practice shaped by managerial morality and integrity, dependence on leadership figures, formal governance through Annual Member Meetings (RAT), family-based internal monitoring, limited accounting literacy, symbolic participation, and internal social responsibility reflected in employee welfare. These results suggest that Agency Theory alone is insufficient; a more comprehensive understanding requires integrating Stewardship Theory and Signalling Theory. The study contributes by framing accountability as a value-based social practice embedded in local organizational contexts and offers insights for strengthening sustainable cooperative governance.
Pengaruh Lingkungan Kerja, Kecerdasan Emosional, dan Motivasi Kerja terhadap Produktivitas Kerja Aisyah Lucky Angelita; Arif Murti Rozamuri
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 7 No 1 (2026): JUNE 2026
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v7i1.6070

Abstract

This study examines how work environment, emotional intelligence, and motivation affect employee productivity among Generation Z in Jakarta. Concerns regarding relatively low and inconsistent productivity among younger employees highlight the importance of identifying key factors that influence their performance. However, previous studies have largely examined these variables independently, with limited emphasis on their combined effects on Generation Z employees. This study addresses this gap by integrating organizational and psychological factors into a single analytical model. A quantitative survey was conducted involving 115 Generation Z employees in Jakarta. Data were gathered using systematically designed questionnaires and subsequently processed and examined through the Partial Least Squares–Structural Equation Modeling (PLS-SEM) approach. The findings indicate that work environment, emotional intelligence, and motivation each demonstrates a positive and statistically significant effect on work productivity. Simultaneously, these variables play a role in enhancing productivity across different work settings. This study provides empirical evidence that improving work environment quality, strengthening emotional intelligence, and enhancing motivation are critical factors in increasing the productivity of Generation Z employees.
Rethinking Employee Retention: Psychological Determinants That Matter Most Andini Febriyanti; Refren Riadi; Wiwin Surtinah
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 7 No 1 (2026): JUNE 2026
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v7i1.6141

Abstract

Employee retention remains a critical challenge for organizations, particularly in identifying psychological factors that influence employees’ decisions to stay. While prior research highlights job satisfaction and self-efficacy as key predictors, findings remain inconsistent regarding their relative impact on retention. This study examines the effects of job satisfaction and self-efficacy on employee retention and identifies the more dominant factor. Using a quantitative approach, data were collected from 50 respondents through questionnaires with proportional stratified random sampling. Analysis was conducted using SPSS version 21, including partial (t-test) and simultaneous (F-test) tests. Results show that job satisfaction has a positive and significant effect on employee retention (t = 4.987 > 1.677; p < 0.05), while self-efficacy has no significant effect (t = -0.024 < 1.677; p > 0.05). However, both variables simultaneously influence retention significantly (F = 21.212 > 3.195; p < 0.05). These findings indicate that job satisfaction is the primary determinant of employee retention. This study contributes by clarifying the inconsistent role of self-efficacy and emphasizing the importance of enhancing job satisfaction to improve retention outcomes.
The Role of Job Demands, Work–Life Balance, and Psychological Safety in Shaping Generation Z Employee Productivity: Evidence from Jabodetabek Awallya Restu Kania; Arif Murti Rozamuri
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 7 No 1 (2026): JUNE 2026
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v7i1.6148

Abstract

This study examines the effects of job demands, work-life balance, and psychological safety on the productivity of Generation Z workers in the Jabodetabek region. Increasing work pressure, challenges in balancing professional and personal responsibilities, and psychological concerns among early-career employees have become important factors affecting productivity. Although previous studies have explored these variables separately, limited research has examined their combined influence on Generation Z workers. Therefore, this study aims to analyze how psychological and organizational factors interact to shape employee productivity. Using a quantitative approach, structured questionnaires were distributed to 109 Generation Z employees, born between 1996 and 2005, working in the Jabodetabek area. Data were analyzed using Partial Least Squares-Structural Equation Modelling (PLS-SEM) with SmartPLS 3. The findings show that job demands, work-life balance, and psychological safety all have positive and statistically significant effects on employee productivity. Among these variables, psychological safety has the strongest influence. This study contributes to the literature on Generation Z productivity and offers practical insights for organizations seeking to create supportive and sustainable work environments for future human resource strategies, employee engagement programs, and long-term organizational performance across industries in urban Indonesia's labor market
The Effectiveness of Digital Marketing and Pricing on Generation Z's Purchasing Decisions on TikTok Shop by Tokopedia Daniel Satrio Hamonongan; Siti Patimah; Meita Pragiwani
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 7 No 1 (2026): JUNE 2026
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v7i1.6176

Abstract

This research examines the influence of digital marketing and price on the purchasing decisions of Generation Z users of TikTok Shop by Tokopedia among students of SMK ICB CN Bandung. The study aims to analyze the effects of digital marketing and price, both partially and simultaneously, on purchasing decisions. A quantitative approach with an ex post facto method was employed. The population consisted of students who actively use TikTok Shop by Tokopedia. Using purposive sampling, 190 respondents were selected based on the Hair formula. Primary data were collected through structured questionnaires and analyzed using statistical techniques. The findings indicate that digital marketing, price, and purchasing decision variables are generally in the good category. Digital marketing has a positive and significant effect on purchasing decisions. Price also has a positive and significant effect and exerts a stronger influence than digital marketing. Simultaneously, both variables significantly affect purchasing decisions. Although challenges such as information accuracy and perceived price value were identified, the overall implementation of digital marketing and pricing strategies supports Generation Z consumers in making purchasing decisions through TikTok Shop by Tokopedia. These findings highlight the importance of effective digital marketing and competitive pricing in influencing online purchasing behavior.
The Influence of Product Quality, Content Marketing and Bandwagon Effect on Gen Z Consumer Satisfaction in Online Local Fashion Brands Elisha Oktapiyana; Alfin Nur Arifah; Yudi Setia Rachmanda; Ardiansyah Ardiansyah
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 7 No 1 (2026): JUNE 2026
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v7i1.6177

Abstract

The local fashion industry in Indonesia has experienced significant growth in recent years, particularly within the digital realm driven by the dominance of Generation Z as the largest internet user base. However, this rapid growth has created a gap between consumer expectations and the actual products received, which has the potential to undermine consumer satisfaction. This study aims to examine the impact of the bandwagon effect, content marketing, and product quality on Generation Z's satisfaction with local online fashion brands in Tasikmalaya Regency. Using a quantitative approach with an exploratory descriptive design, data were collected through a non-probability sampling method from 100 participants, following rigorous validity and reliability testing. The findings indicate that product quality, content marketing, and the bandwagon effect each partially exert a significant and positive influence on consumer satisfaction. Furthermore, when analyzed simultaneously, all three variables product quality, content marketing, and the bandwagon effect collectively have a significant and positive impact on Generation Z's satisfaction. These results underscore the importance of aligning digital marketing strategies and social trends with actual product standards to maintain and enhance customer satisfaction in the competitive online fashion market.

Page 9 of 10 | Total Record : 91

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