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Yulia Nurendah
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Kampus Institut Bisnis dan Informatika Kesatuan Jalan Ranggagading No. 1 Kampung Gudang, Bogor Tengah Bogor 16123
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INDONESIA
Jurnal Aplikasi Bisnis Kesatuan
Published by Institut Bisnis dan Informatika Kesatuan
ISSN : 28076036     EISSN : 28076036     DOI : https://doi.org/10.37641/jabkes
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Jurnal Aplikasi Bisnis Kesatuan disingkat JABKES merupakan Jurnal yang mempublikasikan karya ilmiah dalam bidang bisnis terapan dalam arti luas. Dikelola oleh Progam Vokasi dan LPPM Institut Bisnis dan Informatika Kesatuan. Terbit tiga kali dalam setahun yaitu pada bulan April, Agustus dan Desember.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 254 Documents
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Comparative Analysis Of The Use Of QRIS And Digital Bank Transfers Among MSMEs In Bogor City Suharmiati Suharmiati; Nisa Rahmaniyah Utami; Marwan Effendy
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 1 (2026): JABKES Edisi April 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i1.5315

Abstract

The development of digital financial technology has transformed payment practices among micro, small, and medium enterprises (MSMEs), particularly through the growing use of QRIS and digital bank transfers. This article compares the performance of these two payment channels among MSMEs in Bogor City in terms of transaction cost, transaction speed, failure rate, convenience, and customer satisfaction. The study applies a quantitative approach with a comparative design involving 250 MSME actors from several business sectors. Data were collected through standardized questionnaires and transaction records from the previous three months, then analyzed descriptively and by using a paired sample t-test to examine mean differences in performance indicators between QRIS and digital bank transfers. The results show that QRIS performs significantly better in transaction speed, lower transaction failure, convenience, and customer satisfaction. In contrast, digital bank transfers are superior in terms of transaction cost. These findings indicate that QRIS is more suitable for daily retail transactions that require speed and ease of use, while digital bank transfers are better suited to larger-value transactions that are more sensitive to cost efficiency. Practically, combining both channels is the most rational strategy for MSMEs to maintain transaction efficiency, cash-flow stability, and service quality.
Pengaruh Mental Accounting, Financial Self-Efficacy, Dan Financial Literacy Terhadap Perilaku Keuangan Generasi Z: Studi Empiris Pada Generasi Z di Kota Bogor Muhammad Gilang Samudra; Yayuk Nurjanah
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 1 (2026): JABKES Edisi April 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i1.5600

Abstract

Financial behavior is a crucial aspect of Generation Z's lives, living in the digital era with easy access to various financial services and products. This convenience not only provides opportunities for financial management but also increases the risk of consumer behavior and unwise financial decision-making. Financial behavior is influenced by various factors, both psychological and cognitive, such as mental accounting, financial self-efficacy, and financial literacy. This study aims to analyze the influence of mental accounting, financial self-efficacy, and financial literacy on the financial behavior of Generation Z in Bogor City. The study used a quantitative approach with primary data obtained through questionnaires distributed to 106 respondents selected using a purposive sampling technique. Data analysis was performed using SPSS software through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, partial (t) tests, simultaneous (F) tests, and coefficient of determination (R²) tests. The results indicate that mental accounting, financial self-efficacy, and financial literacy, both partially and simultaneously, have a positive and significant influence on the financial behavior of Generation Z in Bogor City. These findings indicate that the ability to manage finances, confidence in one's own financial capabilities, and a good level of financial literacy play an important role in shaping Generation Z's wiser, more disciplined, and more responsible financial behavior. Keywords : Mental Accounting, Financial Self-efficacy, Financial Literacy, Financial Behavior
Penerapan Inovasi Produk Teh pada PT Sila Agri Inovasi Adil Fadillah; Raden Wina Ramadina; Danti Astrini; Soei Khim; Diah Kusumayanti
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 1 (2026): JABKES Edisi April 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i1.1915

Abstract

Indonesian consumers may be more familiar with specialty coffee. Similar to the marketing of coffee, the global tea industry also promotes specialty tea as a premium product. Specialty tea refers to tea produced through specific cultivation, harvesting, and processing methods to create distinctive characteristics. Currently, many people in the wider community do not consume herbal products due to limited awareness, particularly regarding their effectiveness, unreliable preparation methods, and the commonly perceived unpleasant aromas and flavors, such as blandness or sourness. In addition, preparation techniques and formulations are often considered less than ideal. This study aims to identify: (1) the implementation of product innovation at PT Sila Agri Inovasi; (2) the obstacles encountered in implementing product innovation at PT Sila Agri Inovasi; and (3) the strategies used to overcome these obstacles. The findings indicate that: (1) PT Sila Agri Inovasi has implemented product innovation by developing a product called Sila Tea. Sila Tea is a blend of pure tea, fruits, flowers, and spices that produces distinctive colors, flavors, and aromas. The addition of citrus fruit also gives the tea a naturally sweet taste; (2) the primary obstacle is the limited public knowledge of artisan tea in Indonesia. Indonesian consumers are generally more familiar with pure teas, such as green tea, black tea, and red tea. Consequently, many consumers remain unaware of the various health benefits offered by artisan tea; and (3) to overcome this obstacle, the company can educate the public about Indonesian tea products and emphasize that Indonesian tea has excellent quality, particularly when blended with fruits and spices. Sila Tea offers innovative products with potential health benefits. Although the combination of tea and spices may be unfamiliar to Indonesian consumers, Sila Tea incorporates citrus fruits and flowers to produce a lighter flavor and natural sweetness.   Keywords: innovation, tea, marketing, product.
Analisis Prosedur Pengajuan Kredit Mantap Pensiun Pada Bank Mandiri Taspen KCP Cibinong Edy Safni Rosa; Yoyon Supriadi; Fika Rismawati
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 1 (2026): JABKES Edisi April 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i1.1970

Abstract

Kredit adalah suatu penyediaan tagihan dan uang yang bisa disamakan yang berdasarkan dengan kesepakatan atau persetujuan pinjam meminjam antara pihak bank dengan pihak lainnya dan untuk mewajibkan peminjam untuk melunasi hutangnya dengan jumlah bunga, imbalan atau bagi hasilnya dalam jangka waktu yang sudah ditentukan.Tujuan dari pembahasan ini yaitu mengetahui prosedur pengajuan kredit mantap pensiun serta syarat-syarat yang harus dipenuhi oleh pensiunan saat akan mengajukan kredit pada Bank Mandiri Taspen KCP Cibinong. Mengetahui hambatan yang dialami Bank Mandiri Taspen KCP Cibinong pada saat memberikan kredit kepada pensiunan. Mengetahui solusi dari setiap hambatan dalam proses pengajuan kredit pada Bank Mandiri Taspen KCP Cibinong. Hasil penelitian ini menunjukan bahwa prosedur pengajuan kredit mantap pensiun pada Bank Mandiri Taspen KCP Cibinong sudah sesuai dengan pemberian kredit pada umumnya tetapi ada beberapa tahapan yang memiliki perbedaan yang tentunya disesuaikan dengan peraturan pada Bank Mandiri Taspen KCP Cibinong. Hambatan yang dialami meliputi, ketidaklengkapan berkas dan ketidaksesuaian data identitas calon debitur serta adanya calon debitur yang memiliki pinjaman di bank atau lembaga keuangan lain. Hambatan ini dapat diatasi dengan cara melakukan penegasan kembali mengenai berkas persyaratan dan calon debitur meminta surat keterangan beda identitas dari kelurahan/desa serta calon debitur dapat melunasi pinjaman sebelumnya di bank atau lembaga keuangan lainnya atau melakukan takeover credit. Kata Kunci : Prosedur, Kredit, Pensiun

Page 26 of 26 | Total Record : 254

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