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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 105 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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    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 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
The Implementation of Marketing 4.0 and Augmented Reality Technology in Enhancing Purchase Intention in the East Java Tourism Sector Meidinda Rachmawati; Alfira Rosadian
JOURNAL KOPERASI DAN MANAJEMEN Vol 7 No 01 (2026): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Abstract

Purpose – This study aims to investigate the integrated impact of Marketing 4.0 strategies and Augmented Reality (AR) technology application on tourist purchase intention in East Java, Indonesia. Specifically, the study examines the influence of Marketing 4.0 and AR technology on tourist attitudes and purchase intention, as well as the mediating role of AR technology in the relationship between Marketing 4.0 and tourist attitude. Design/methodology/approach – This study employed a quantitative explanatory research design. Data were collected through an online questionnaire distributed to 350 domestic tourists who had visited or planned to visit major tourism destinations in East Java, Indonesia. The collected data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to examine the direct and indirect relationships among Marketing 4.0, AR technology, tourist attitude, and purchase intention. Findings – The findings demonstrate that Marketing 4.0, characterized by digital interaction and co-creation, has a significant positive influence on tourist attitudes. The perceived usefulness and enjoyment of AR technology also significantly and positively influence tourist attitudes. Furthermore, tourist attitude has a strong positive effect on purchase intention. The results also confirm that AR technology plays a mediating role in the relationship between Marketing 4.0 and tourist attitude. These findings indicate that integrating human-centric digital marketing with immersive AR technology can create more engaging tourist experiences and strengthen tourists' purchase intentions. Research limitations/implications – This study is limited to domestic tourists who have visited or planned to visit major destinations in East Java, Indonesia, which may limit the generalizability of the findings to international tourists or tourism destinations in other regions. The use of cross-sectional data also limits the ability to capture changes in tourist perceptions and purchase intentions over time. Future research could examine international tourists, compare different tourism destinations, and employ longitudinal or experimental approaches to evaluate the long-term effects of AR-based marketing. Originality/value – This study contributes to the tourism marketing literature by integrating Marketing 4.0 and Augmented Reality technology within a unified framework to explain tourist purchase intention. Its originality lies in demonstrating the complementary role of human-centric digital marketing and immersive technology in shaping tourist attitudes and behavioral intentions.
The Impact of Digital Transformation and Social Media Marketing on Consumer Loyalty in E-Commerce Startups in East Java Rizky Andrianto Apriandana; Agus Wiastono
JOURNAL KOPERASI DAN MANAJEMEN Vol 7 No 01 (2026): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Purpose – This study examines the impact of digital transformation, comprising technological integration, data-driven decision-making, and operational agility, and social media marketing, including content marketing, influencer engagement, and community building, on consumer loyalty among e-commerce startups in East Java, Indonesia. Design/methodology/approach – This study employed a quantitative research design using a structured online questionnaire distributed to 350 consumers who had made repeat purchases from e-commerce startups based in East Java, Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationships between digital transformation, social media marketing, and consumer loyalty. Findings – The results indicate that both digital transformation and social media marketing have significant positive effects on consumer loyalty. Social media marketing demonstrates a stronger direct effect on consumer loyalty, while digital transformation also has a significant indirect effect by enhancing the effectiveness of social media marketing activities. These findings indicate that technological and data capabilities can strengthen the impact of digital marketing initiatives in fostering consumer loyalty. Research limitations/implications – This study is limited to consumers who have made repeat purchases from e-commerce startups in East Java, Indonesia, which may constrain the generalizability of the findings to other regions, industries, or types of digital businesses. Future research could expand the geographical scope and examine other types of digital businesses, as well as incorporate longitudinal designs or additional variables such as customer experience, trust, personalization, and perceived value. Originality/value – This study contributes to the literature by integrating digital transformation and social media marketing perspectives in explaining consumer loyalty within the context of e-commerce startups. Its originality lies in demonstrating that digital transformation not only directly contributes to consumer loyalty but also strengthens the effectiveness of social media marketing, providing empirical evidence from the rapidly growing Indonesian startup ecosystem, particularly East Java.
Omnichannel Marketing Strategy and Its Influence on Purchase Decisions in Culinary MSMEs in a Metropolitan City, East Java Indah Datin Nadliroh; Ayu Rachmawaty
JOURNAL KOPERASI DAN MANAJEMEN Vol 7 No 01 (2026): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Purpose – This study aims to investigate the implementation of omnichannel marketing strategies and their impact on consumer purchase decisions among culinary Micro, Small, and Medium Enterprises (MSMEs) in Surabaya, East Java, Indonesia. Specifically, the study examines the effects of channel integration, personalization, and consistency on customer experience and purchase decisions, as well as the mediating role of customer experience and the moderating role of brand trust. Design/methodology/approach – This study employed a quantitative research design using a survey questionnaire distributed to 250 customers of culinary MSMEs in Surabaya that utilize multiple sales channels, including physical stores, Instagram, GoFood, and GrabFood. The data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS) to examine the hypothesized relationships, including the mediation effect of customer experience and the moderation effect of brand trust. Findings – The results indicate that omnichannel marketing strategies, characterized by channel integration, personalization, and consistency, have a significant positive effect on customer experience. Furthermore, customer experience significantly mediates the relationship between omnichannel marketing strategy and consumer purchase decisions. These findings indicate that integrated and consistent customer interactions across multiple channels can enhance customer experiences and ultimately encourage purchase decisions. Research limitations/implications – This study is limited to culinary MSMEs and their customers in Surabaya, which may restrict the generalizability of the findings to other sectors, regions, or types of MSMEs. The cross-sectional design also limits the ability to capture changes in consumer behavior over time. Future research could examine other MSME sectors, geographical areas, and additional variables such as customer engagement, perceived value, digital literacy, and customer loyalty. Originality/value – This study contributes to the digital marketing literature by integrating omnichannel marketing, customer experience, and brand trust into a unified framework for explaining consumer purchase decisions in the MSME context. Its originality lies in examining customer experience as a mediating mechanism and brand trust as a moderating factor within an omnichannel marketing framework.
The Analysis of Sharia Financial Management and Risk Factors on Business Sustainability in Fintech Lending in East Java Lely Fitri Mardiana; Arief Yuswanto Nugroho
JOURNAL KOPERASI DAN MANAJEMEN Vol 7 No 01 (2026): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Purpose – This study aims to examine the influence of Sharia-compliant financial management practices on the business sustainability of Fintech Lending companies in East Java, Indonesia, while investigating the moderating role of operational, credit, and regulatory risks in this relationship. Design/methodology/approach – This study employed a quantitative research design using a structured questionnaire administered to 250 employees and managers of registered Sharia Fintech Lending platforms in East Java. The data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS) to examine the relationship between Sharia financial management practices, business sustainability, and the moderating effects of identified risk factors. Findings – The findings demonstrate that Sharia-compliant financial management practices, including profit-sharing mechanisms (Mudharabah/Musharakah), asset-backed financing (Murabahah), and the avoidance of riba and gharar, have a significant positive effect on business sustainability. Furthermore, operational, credit, and regulatory risks significantly moderate the relationship, weakening the positive effect of Sharia financial management on sustainability. These results indicate that effective Sharia-based financial management contributes to long-term viability, but its effectiveness depends substantially on the organization's ability to manage various forms of risk. Research limitations/implications – This study is limited to registered Sharia Fintech Lending companies in East Java and relies primarily on cross-sectional survey data, which may limit the generalizability of the findings and the ability to capture long-term changes in business sustainability. Future research could employ longitudinal designs and include additional factors such as technological capability, customer trust, cybersecurity, financial literacy, and regulatory compliance. Originality/value – This study contributes to the emerging literature on Islamic fintech by integrating Sharia-compliant financial management and multiple risk dimensions into a comprehensive model of business sustainability. Its originality lies in empirically examining the moderating effects of operational, credit, and regulatory risks within the relatively under-researched Sharia Fintech Lending sector in Indonesia. The findings provide both theoretical and practical value by demonstrating that sustainable Sharia fintech development requires not only compliance with Islamic financial principles but also robust and integrated risk management practices.
The Role of Transformational Leadership and Employee Engagement in Enhancing Organizational Performance in the Public Sector of East Java Budi Iriani Yudaningrum; Wiwit Setyo Wardani
JOURNAL KOPERASI DAN MANAJEMEN Vol 7 No 01 (2026): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Purpose – This study aims to investigate the mediating role of employee engagement in the relationship between transformational leadership and organizational performance in the public sector of East Java, Indonesia. The study addresses the limited understanding of the integrated mechanism through which transformational leadership contributes to organizational performance through employees' psychological and behavioral engagement. Design/methodology/approach – This study employed a quantitative research design. Data were collected through structured questionnaires from 285 employees working across various public sector agencies in East Java, Indonesia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the direct effects of transformational leadership on employee engagement and organizational performance, as well as the mediating effect of employee engagement. Findings – The results demonstrate that transformational leadership has a significant positive direct effect on both employee engagement and organizational performance. Furthermore, employee engagement partially mediates the relationship between transformational leadership and organizational performance. These findings indicate that transformational leadership contributes to organizational performance not only directly but also by fostering stronger psychological commitment, involvement, and engagement among public sector employees. Research limitations/implications – This study is limited to public sector employees in East Java, which may constrain the generalizability of the findings to other regions or organizational contexts. The cross-sectional design also limits the ability to examine changes in leadership, employee engagement, and organizational performance over time. Future research could employ longitudinal designs, include other regions or public institutions, and examine additional mediating or moderating variables such as organizational culture, job satisfaction, psychological empowerment, or perceived organizational support. Practically, public sector managers should strengthen transformational leadership practices by inspiring employees, communicating a clear vision, providing individualized support, and creating opportunities for employee participation and involvement to enhance organizational performance. Originality/value – This study contributes to public administration and organizational behavior literature by integrating transformational leadership, employee engagement, and organizational performance within a single mediation framework. Its originality lies in demonstrating the partial mediating role of employee engagement in translating transformational leadership into improved organizational performance.
Analysis of the Impact of Digital Competency-Based Training and Organizational Culture on Employee Productivity in Industry 4.0 in East Java Dita Rachmawati; Vincensia Devi Dwi Cahyani
JOURNAL KOPERASI DAN MANAJEMEN Vol 7 No 01 (2026): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Purpose – This study aims to investigate the effects of digital competency-based training (DCBT) and organizational culture on employee productivity in the context of Industry 4.0 in East Java, Indonesia. It specifically examines whether organizational culture, particularly innovation and support, moderates the relationship between DCBT and employee productivity. Design/methodology/approach – This study employed a quantitative research design using structured questionnaires distributed to 350 employees working in manufacturing and technology-intensive firms in East Java, Indonesia. Multiple regression analysis was used to examine the direct effects of DCBT and organizational culture on employee productivity and to test the moderating effect of organizational culture. Findings – The results indicate that DCBT has a significant positive effect on employee productivity (? = 0.452, p < 0.001), while organizational culture, particularly its innovation and support dimensions, also has a significant positive effect (? = 0.387, p < 0.001). Furthermore, organizational culture significantly moderates the relationship between DCBT and employee productivity, with adaptive and learning-oriented cultures strengthening the effectiveness of digital competency-based training. These findings suggest that technical training alone is insufficient to maximize productivity in the Industry 4.0 era and must be supported by an innovative, adaptive, and learning-oriented organizational environment. Research limitations/implications – This study is limited to employees in manufacturing and technology-intensive firms in East Java, which may restrict the generalizability of the findings to other industries or regions. The cross-sectional design also limits the ability to assess the long-term effects of digital competency-based training. Future research could employ longitudinal designs and examine other organizational factors, such as leadership, employee engagement, digital leadership, and technological readiness. Originality/value – This study contributes to the human resource development and Industry 4.0 literature by integrating digital competency-based training and organizational culture into a unified framework for explaining employee productivity. Its originality lies in demonstrating the moderating role of organizational culture in strengthening the effectiveness of digital competency-based training.

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