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INDONESIA
Journal Koperasi Dan Manajemen
Published by Sekolah Tinggi Ilmu Ekonomi Koperasi Malang Enterprise
ISSN : 27226123     EISSN : 28091213     DOI : https://doi.org/10.52838/komastie.v2i02
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Koperasi dan Manajemen (KOMASTIE) bertujuan untuk menjadi media penyebarluasan hasil penelitian dan pertukaran karya ilmiah bidang Ekonomi, Manajemen, dan Koperasi di kalangan akademisi lingkungan STIEKOP, Prektisi internasional, praktisi, pengatur kebijakan, dan untuk kalangan umum. KOMASTIE diterbitkan dua kali dalam setahun pada bulan April, dan Oktober. KOMASTIE adalah jurnal ilmiah tentang bidang Ekonomi, Manajemen, Dan Koperasi yang Saat ini berupaya untuk mendapatkan akreditasi oleh Direktorat Jenderal Pendidikan Tinggi Departemen Pendidikan Nasional Republik Indonesia, selanjutnya, KOMASTIE juga berupaya untuk mendapatkan terindeks di EBSCO, EconLit (American Economic Association), ProQuest, dan Scopus dan lain-lainnya.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 94 Documents
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PENGEMBANGAN SRATEGI PEMASARAN PERUSAHAAN KEUANGAN DALAM MENINGKATKAN KEUNGGULAN BERSAING DATIN NADLIROH, INDAH; EKA RAMADHANI, FERRA
JOURNAL KOPERASI DAN MANAJEMEN Vol 6 No 01 (2025): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Abstract

    Purpose – The purpose of developing a marketing strategy for a financial company is to enhance its competitive advantage within the market. This involves identifying target audiences, crafting compelling value propositions, and implementing effective channels to attract and retain customers, ultimately differentiating the company from its competitors and securing a stronger market position. Design/methodology/approach – This research will employ a mixed-methods approach to develop marketing strategies for financial institutions seeking to enhance competitive advantage. The methodology will involve both qualitative data collection through interviews with key industry stakeholders and quantitative analysis of market trends and competitor performance. This combined approach will enable the formulation of actionable strategies grounded in both expert insights and empirical evidence. Findings – The research indicates that developing a comprehensive marketing strategy is crucial for financial institutions seeking to bolster their competitive advantage. Key findings likely encompass specific marketing tactics, target audience identification, and competitive landscape analysis that contribute to enhanced market positioning and overall business success. Research limitations/implications – This research on developing marketing strategies for financial firms to enhance competitive advantage is limited by its specific focus on a single industry, potentially restricting the generalizability of findings to other sectors. Furthermore, the study's reliance on [Mention specific data collection methods, e.g., survey data, case studies] may introduce bias or limit the depth of insights. However, the findings offer valuable practical implications for financial institutions seeking to refine their marketing approaches and gain a stronger market position, highlighting the importance of customer segmentation, digital marketing integration. Future research could explore the application of these strategies in diverse industries or utilize alternative methodologies for a more comprehensive understanding. Originality/value – Developing marketing strategies for financial companies to enhance competitive advantage requires a focus on originality and value. Innovative approaches, tailored to specific customer segments and leveraging emerging technologies, are crucial for differentiation. Creating tangible value for customers through transparent communication, personalized offerings, and exceptional service delivery further solidifies competitive positioning and fosters long-term loyalty.
KONTRIBUSI PEGADAIAN SYARIAH UNTUK MENUNJANG PEREKONOMIAN MASYARAKAT DI INDONESIA RACHMAWATI, NINDA; ANANTA UPA, VIERLY
JOURNAL KOPERASI DAN MANAJEMEN Vol 6 No 01 (2025): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Abstract

    Purpose – Pegadaian Syariah, or Islamic Pawnshops, contribute to Indonesia's economic landscape by providing accessible financial solutions aligned with Islamic principles. They offer crucial microfinancing alternatives, enabling individuals and small businesses, often excluded from traditional banking, to access capital for immediate needs and entrepreneurial endeavors. This, in turn, stimulates economic activity at the grassroots level and fosters financial inclusion within Indonesian communities. Design/methodology/approach – This study employs a qualitative approach, analyzing the contributions of Sharia pawnshops ("Pegadaian Syariah") in supporting the Indonesian economy. The research methodology focuses on examining the operational models, financing schemes, and social impact of Pegadaian Syariah on local communities and micro-enterprises, drawing upon existing literature, reports, and case studies to understand its role in fostering financial inclusion and economic empowerment. Findings – The research indicates that Pegadaian Syariah (Islamic Pawnshops) significantly contributes to supporting the Indonesian economy, particularly for communities requiring short-term financing. This contribution manifests through accessible financial services, fostering entrepreneurship, and providing a viable alternative to informal lending practices, ultimately promoting financial inclusion and economic stability. Research limitations/implications – This study's limitations include its specific focus on Pegadaian Syariah's impact within Indonesia, potentially limiting the generalizability of findings to other contexts or Islamic microfinance institutions. Future research should explore a broader range of institutions and economic development indicators to provide a more comprehensive understanding of the contribution of Islamic pawnshops to societal well-being and economic growth. The findings, however, offer valuable insights for policymakers and practitioners seeking to optimize the role of Pegadaian Syariah in supporting financial inclusion and economic empowerment within the Indonesian context. Originality/value – Pegadaian Syariah, or Islamic pawnshops, contribute to Indonesia's economy by providing accessible financing solutions, particularly for micro, small, and medium enterprises (MSMEs) and underserved communities. These institutions offer Sharia-compliant financial services that promote economic inclusion and empower individuals to access capital without resorting to conventional interest-based lending, fostering a more equitable and sustainable financial ecosystem.
PENGARUH PEMASARAN DIGITAL DAN KUALITAS LAYANAN TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN DI ERA EKONOMI DIGITAL BAMBANG SUNTOWO; JOKO MUJI SUBAGYO; NINIS UMNASTUTI
JOURNAL KOPERASI DAN MANAJEMEN Vol 6 No 01 (2025): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Abstract

Abstract Purpose – This study aims to analyze the influence of digital marketing and service quality on consumer purchase decisions in the digital economy era, both partially and simultaneously.. Design/methodology/approach – This research employs a quantitative approach with an explanatory research method. The sample consists of 120 respondents selected through purposive sampling, with criteria including having made an online purchase and being exposed to digital marketing promotions. Data were collected using a Likert-scale questionnaire and analyzed through multiple linear regression, t-test, F-test, and classical assumption tests to ensure the validity of the model. Findings – The results reveal that effective digital marketing strategies, such as engaging content, prompt interaction on social media, and well-targeted promotional activities, can encourage consumers to make purchase decisions. In addition, good service quality, including quick response, friendliness, and reliability, plays an important role in increasing consumer interest and confidence to buy. The combination of these two factors works synergistically to strengthen consumer purchase decisions in the digital economy era. Research limitations/implications – This study is limited to respondents residing in specific regions and only covers consumers who have actively shopped online within the past six months, which may limit the generalizability of the findings.. Originality/value – This study integrates the analysis of digital marketing and service quality simultaneously in predicting consumer purchase decisions in the digital economy era. It contributes to marketing literature by emphasizing that effective digital marketing strategies must be supported by excellent service quality to maximize their impact on purchase decisions
ANALISIS PERSEPSI DAN PENGAMBILAN KEPUTUSAN KEUANGAN UMKM: Pelaku Usaha Kuliner di Jombang DEWI PUSPITANINGSIH
JOURNAL KOPERASI DAN MANAJEMEN Vol 6 No 01 (2025): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Abstract

Purpose – This study aims to analyze the perceptions of culinary MSME (Micro, Small, and Medium Enterprises) owners in Jombang regarding financial management and to identify the processes behind their financial decision-making. The research focuses on how internal and external factors influence these decisions, as well as the meanings embedded in each financial choice made Design/methodology/approach – This research employed a qualitative approach with a case study design. Informants were selected using purposive sampling, with criteria including culinary business owners who had been operating for at least two years and were directly involved in managing their business finances. Data were collected through in-depth interviews, participant observation, and documentation review, then analyzed using thematic analysis. Data validity was ensured through source triangulation and methodological triangulation. Findings – The findings reveal that most culinary MSME owners in Jombang perceive financial management in a simple manner, with inconsistent separation between personal and business finances. Financial decisions are largely influenced by intuition, personal experience, and input from family or peers, while quantitative, data-driven considerations are rarely applied. Financial management strategies tend to be reactive, adjusting expenditures based on daily or weekly income, and are constrained by low financial literacy and limited access to formal financing. Research limitations/implications – This study was limited to culinary MSME owners located in Jombang, Indonesia, with at least two years of business operation. The findings may not be generalizable to other regions or sectors due to cultural, economic, and market differences. Furthermore, the qualitative nature of this research emphasizes depth over breadth, so the results are context-specific and may vary if applied in different settings. Originality/value – This study provides an original contribution by exploring the dimensions of perception and meaning behind financial decision-making among culinary MSMEs in Jombang. The qualitative approach enables the identification of non-financial factors, including emotional and socio-cultural aspects, which are often overlooked in quantitative studies. These findings can serve as a foundation for designing more contextual financial assistance programs tailored to the unique characteristics of local business owners Keyword : Culinary MSMEs; Financial Management; Decision-Making; Perception; Qualitative Research; Jombang

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