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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 84 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.

Page 9 of 9 | Total Record : 84

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