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Arif Mudi Priyatno
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Department of Digital Business, Universitas Pahlawan Tuanku Tambusai Jl. Tuanku Tambusai No.23, Bangkinang, Kec. Bangkinang, Kabupaten Kampar, Riau 28412
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Journal of Artificial Intelligence and Digital Business
Published by Universitas Pahlawan Tuanku Tambusai
ISSN : 29639298     EISSN : 2963914X     DOI : https://doi.org/10.31004/riggs.v1i1
Core Subject : Economy, Science, Engineering,
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering
Journal of Artificial Intelligence and Digital Business (RIGGS) is published by the Department of Digital Business, Universitas Pahlawan Tuanku Tambusai in helping academics, researchers, and practitioners to disseminate their research results. RIGGS is a blind peer-reviewed journal dedicated to publishing quality research results in the fields of business and engineering. All publications in the RIGGS Journal are open access which allows articles to be available online for free without any subscription. RIGGS is a national journal with e-ISSN: 2963-914X, and is free of charge in the submission process and review process. Journal of Artificial Intelligence and Digital Business (RIGGS) publishes articles periodically twice a year, in January and July.
Arjuna Subject : Umum - Umum
Articles 8,361 Documents
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Faktor-Faktor yang Mempengaruhi Perilaku Konsumen terhadap Keputusan Pembelian di Pusat Pasar Kota Medan Datubara, Maryono; Tarigan , Eka Dewi Setia
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7316

Abstract

Competition between traditional and modern markets requires market managers to understand the factors that influence consumer purchasing decisions. This study aims to analyze the influence of social, personal, and psychological factors on consumer purchasing decisions at the Medan City Market Center. This study uses a quantitative approach with an associative method. The research sample consisted of 96 respondents who were analyzed using multiple linear regression. Based on the partial test results, social factors have a positive and significant effect on purchasing decisions with a significance value of 0.012 < 0.05 and a t-value of 2.554 > t-table 1986. Personal factors also have a positive and significant effect with a significance value of 0.000 < 0.05 and a t-value of calculated t-value of 33.634 > t-table 1.986. Psychological factors also have a positive and significant effect with a significance value of 0.000 < 0.05 and a t-value of 31.796 > t-table 1.986. Simultaneously, social factors, personal factors, and psychological factors have a significant effect on purchasing decisions with a significance value of 0.000 < 0.05. The results of the coefficient of determination test show an Adjusted R Square value of 0.976, which means that 97.6% of the variation in purchasing decisions can be explained by these three variables.
Analisis Penerapan Prinsip Syariah dalam Transaksi Jual Beli Di Butik Sakkebaya Palembang Lisa Lisa; M. Jauhari; Yahya Yahya
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.7317

Abstract

Perkembangan industri fashion muslimah di Indonesia mendorong meningkatnya persaingan usaha yang menuntut pelaku bisnis tidak hanya menyediakan produk berkualitas, tetapi juga menerapkan prinsip-prinsip syariah dalam setiap transaksi. Penelitian ini bertujuan menganalisis penerapan prinsip syariah dalam transaksi jual beli pada Butik Sakkebaya Palembang, mengidentifikasi kendala yang dihadapi, serta menilai dampaknya terhadap kepuasan pelanggan. Penelitian menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Informan terdiri atas pemilik butik, karyawan, dan pelanggan. Hasil penelitian menunjukkan bahwa butik telah berupaya menerapkan prinsip kerelaan para pihak, kejujuran, keadilan harga, serta transparansi informasi produk. Pelanggan memperoleh penjelasan mengenai bahan, ukuran, model, harga, dan estimasi penyelesaian pesanan sebelum akad terjadi. Penetapan harga dilakukan dengan mempertimbangkan kualitas bahan dan tingkat kerumitan produksi sehingga dinilai wajar. Penerapan nilai-nilai tersebut berdampak positif terhadap kepercayaan, kenyamanan, dan loyalitas pelanggan. Namun, masih ditemukan kendala berupa keterbatasan pemahaman sebagian konsumen mengenai transaksi syariah, keterbatasan waktu pelayanan saat butik ramai, serta persaingan usaha yang ketat. Penelitian ini menyimpulkan bahwa penerapan prinsip syariah mampu menjadi nilai tambah kompetitif bagi usaha fashion muslimah apabila dijalankan secara konsisten. Karena itu, pelaku usaha perlu meningkatkan edukasi konsumen, standar pelayanan, dan pengawasan internal agar praktik transaksi tetap sesuai dengan etika bisnis Islam.
Perancangan Aplikasi Human Resource (HR) PT Sembilan Cipta Karya Berbasis Web Menggunakan PHP dan MySQL Pernando, Anggra; Aminah, Aminah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7320

Abstract

Pengelolaan sumber daya manusia merupakan aspek krusial bagi keberlangsungan sebuah perusahaan dalam menjaga produktivitas dan kepatuhan regulasi, termasuk pada PT Sembilan Cipta Karya yang bergerak di bidang industri Aluminium Composite Panel. Saat ini, sistem administrasi HR pada perusahaan tersebut masih menghadapi kendala signifikan dalam efisiensi pengolahan data karyawan, rekapitulasi absensi, dan perhitungan gaji yang akurat. Proses yang masih bersifat semi-manual menggunakan aplikasi perkantoran umum sering kali memicu risiko kesalahan manusia (human error), terutama dalam menghitung komponen pajak penghasilan (PPh Pasal 21) yang bersifat dinamis. Penelitian ini bertujuan untuk merancang dan membangun sebuah aplikasi Human Resource (HR) berbasis web yang terintegrasi menggunakan bahasa pemrograman PHP dan basis data MySQL. Metodologi pengembangan sistem yang diterapkan adalah metode Waterfall, yang mencakup tahapan analisis kebutuhan, desain sistem, pengkodean, hingga pengujian secara sistematis. Teknik pengumpulan data dilakukan melalui observasi langsung di departemen keuangan, wawancara dengan pemangku kepentingan, serta studi pustaka mengenai regulasi perpajakan terbaru. Hasil dari penelitian ini adalah sebuah sistem informasi HRIS yang dilengkapi fitur unggulan Import CSV untuk sinkronisasi data mesin fingerprint secara otomatis. Implementasi sistem ini terbukti mampu meminimalisir kesalahan perhitungan pajak berdasarkan status PTKP karyawan, mempercepat proses administrasi penggajian, serta mempermudah penyediaan laporan keuangan internal yang akuntabel bagi manajemen perusahaan.
Pengaruh Pengetahuan Kewirausahaan Dan Keunggulan Bersaing Terhadap Keberhasilan Usaha Pada Toko Kelontong Salsabillah, Risa; Siregar , Muhammad yamin; Lubis, Adelina
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7321

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan kewirausahaan dan keunggulan bersaing terhadap keberhasilan usaha pada toko kelontong di Kecamatan Hamparan Perak, Kabupaten Deli Serdang. Latar belakang penelitian ini didasari oleh fenomena stagnasi yang dialami toko kelontong tradisional akibat ketatnya persaingan dengan ritel modern dan platform digital, yang menuntut pelaku usaha memiliki kompetensi internal yang kuat.Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini berjumlah 495 pengusaha toko kelontong, dengan sampel sebanyak 83 responden yang ditentukan menggunakan rumus Slovin melalui teknik simple random sampling. Pengumpulan data dilakukan melalui penyebaran kuesioner, sementara analisis data menggunakan teknik analisis regresi linear berganda dengan bantuan perangkat lunak SPSS versi 27. Hasil penelitian menunjukkan bahwa secara parsial, pengetahuan kewirausahaan memiliki pengaruh positif dan signifikan terhadap keberhasilan usaha dengan nilai signifikansi 0,002 < 0,05 dan t-hitung 3,176 > t-tabel 1,98. Demikian pula dengan variabel keunggulan bersaing yang berpengaruh positif dan signifikan terhadap keberhasilan usaha dengan nilai signifikansi 0,000 < 0,05 dan t-hitung 4,158 > t-tabel 1,98. Secara simultan, kedua variabel tersebut berpengaruh signifikan terhadap keberhasilan usaha dengan nilai F-hitung sebesar 87,245 dan tingkat signifikansi 0,000. Nilai Adjusted R Square sebesar 0,678 menunjukkan bahwa sebesar 67,8% variabel keberhasilan usaha dapat dijelaskan oleh pengetahuan kewirausahaan dan keunggulan bersaing, sedangkan sisanya dipengaruhi oleh faktor lain di luar penelitian ini.
The Pengaruh E-Commerce, Konsumsi Telekomunikasi Rumah Tangga dan Transaksi Digital terhadap Daya Beli Masyarakat di Pulau Sumatera Sitanggang, Novita Hotma Uli; Nasution, Armin Rahmansyah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7322

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh e-commerce, konsumsi telekomunikasi rumah tangga, dan transaksi digital terhadap daya beli masyarakat di Pulau Sumatera periode 2019–2024. Perkembangan ekonomi digital yang pesat telah mengubah pola konsumsi dan sistem transaksi masyarakat. Namun, peningkatan aktivitas digital belum tentu mencerminkan peningkatan kemampuan daya beli secara riil. Oleh karena itu, penelitian ini dilakukan untuk menguji. hubungan antara indikator digitalisasi ekonomi dengan daya beli masyarakat yang diproksikan melalui pengeluaran per kapita. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis data panel yang mencakup sepuluh provinsi di Pulau Sumatera selama enam tahun pengamatan. Data yang digunakan merupakan data sekunder yang diperoleh dari publikasi resmi Badan Pusat Statistik. Model regresi dipilih melalui uji spesifikasi model dan dilanjutkan dengan pengujian asumsi klasik serta uji hipotesis secara parsial dan simultan. Hasil penelitian menunjukkan bahwa secara simultan e-commerce, konsumsi telekomunikasi rumah tangga, dan transaksi digital berpengaruh terhadap daya beli masyarakat. Secara parsial, konsumsi telekomunikasi rumah tangga berpengaruh positif dan signifikan terhadap daya beli masyarakat. Sebaliknya, e-commerce tidak berpengaruh positif dan signifikan terhadap daya beli masyarakat. Sementara itu, transaksi digital berpengaruh negatif dan tidak signifikan terhadap daya beli masyarakat. Temuan ini menunjukkan bahwa tidak seluruh aspek digitalisasi ekonomi secara langsung meningkatkan daya beli, sehingga diperlukan kebijakan yang mendorong pemerataan akses digital dan penguatan kapasitas ekonomi masyarakat.
Pengaruh Literasi Keuangan, Inklusi Keuangan dan Pendapatan Terhadap Perilaku Pengelolaan Keuangan Pelaku UMKM Di Jakarta Selatan Aziz, Akbar Nur; Asmilia , Nur
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7327

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian Indonesia, khususnya dalam menciptakan lapangan kerja dan meningkatkan kesejahteraan masyarakat. Di wilayah perkotaan seperti Jakarta Selatan, UMKM berkembang pesat seiring dengan tingginya aktivitas ekonomi, meningkatnya mobilitas masyarakat, serta bertambahnya peluang usaha di berbagai sektor, yang pada akhirnya turut mendorong munculnya persaingan usaha yang semakin ketat dan kompetitif di antara para pelaku usaha. Namun, salah satu tantangan utama yang dihadapi pelaku UMKM adalah pengelolaan keuangan usaha yang belum optimal. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, inklusi keuangan, dan pendapatan terhadap perilaku pengelolaan keuangan pelaku UMKM di Jakarta Selatan. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan pengumpulan data melalui kuesioner kepada pelaku UMKM. Data yang diperoleh dianalisis menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan pelaku UMKM. Pendapatan juga berpengaruh positif terhadap perilaku pengelolaan keuangan. Sementara itu, inklusi keuangan tidak berpengaruh secara signifikan terhadap perilaku pengelolaan keuangan. Secara simultan, literasi keuangan, inklusi keuangan, dan pendapatan berpengaruh terhadap perilaku pengelolaan keuangan pelaku UMKM di Jakarta Selatan. Penelitian ini diharapkan dapat menjadi dasar bagi pemerintah dan pemangku kepentingan dalam merumuskan kebijakan dan program peningkatan literasi keuangan guna memperkuat keberlanjutan UMKM.
Explaining Financial Management Behavior among Millennials: The Influence of Fintech Adoption, Financial Literacy, and Social Factors Supriyono, Edi; Wiranda, Zahra
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7328

Abstract

The rapid development of digital financial services has transformed the way individuals manage their personal finances, particularly among millennials who are highly exposed to technological innovations. Despite the increasing availability of financial technology (fintech), many individuals still experience difficulties in managing their financial resources effectively. This study aims to examine the influence of financial technology, financial literacy, financial attitude, financial confidence, and peer influence on financial management behavior among millennial. A quantitative research approach was employed using primary data collected through an online questionnaire. A total of 240 millennial household heads were selected using purposive sampling. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS version 4.0. The results show that financial technology and peer influence have a positive and significant effect on financial management behavior, while financial confidence has a negative and significant effect. Meanwhile, financial literacy and financial attitude do not have significant effects on financial management behavior. These findings suggest that technological accessibility and social interactions play a more prominent role in shaping financial behavior than financial knowledge and attitudes alone. This study contributes to the financial behavior literature by highlighting the importance of technological and social factors in influencing household financial management among millennials in emerging economies.
The Impact of Product Quality, Service Quality, and Perceived Value on Customer Satisfaction: Evidence from a Coffee Shop in Indonesia Rahmi, Raissa Aristawati; Munawaroh, Munjiati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7330

Abstract

The rapid growth of the coffee shop industry in Indonesia has intensified competition among businesses, making customer satisfaction an important factor for maintaining competitiveness and business sustainability. This study aims to examine the influence of product quality, service quality, and perceived value on customer satisfaction at Kopi Gunung Coffee Shop in Cilacap, Indonesia. A quantitative research approach was employed, and primary data were collected through questionnaires distributed to customers of Kopi Gunung Coffee Shop. Using purposive sampling, a total of 202 valid responses were obtained from customers who had visited the coffee shop at least twice. The data were analyzed using multiple linear regression analysis with the assistance of SPSS software. The results indicate that product quality has a positive and significant effect on customer satisfaction. Similarly, service quality and perceived value also have positive and significant influences on customer satisfaction. These findings suggest that improving product quality, delivering excellent service, and providing good value to customers are essential strategies for enhancing customer satisfaction in the coffee shop industry. The study contributes to the marketing literature by providing empirical evidence on the determinants of customer satisfaction in the food and beverage sector, particularly in the context of local coffee shop businesses.
Evaluasi Kinerja Operasional Pelayanan Angkutan Perkotaan Trayek K-18 (Terminal Cikarang – Sukatani) di Kabupaten Bekasi Suganda, Riyan; RR, R. Caesario Boing; Anggraini, Ekhty Putri; Nurhanifah, Hasna
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7331

Abstract

Urban public transportation plays an important role in supporting community mobility as well as economic and social activities in urban areas. Route K-19, which serves the Terminal Bekasi–Mutiara Gading Timur corridor, is one of the strategic transportation modes for residents of East Bekasi and Mustikajaya. Along with the continuous growth of the population, an evaluation of the service quality of this route is necessary to ensure the effectiveness and efficiency of its operational performance.This study aims to analyze the operational performance of Route K-19 based on several indicators, namely load factor, frequency, headway, speed, and circulation time, which are used to determine the required number of vehicles. The research method used is a quantitative approach through field surveys conducted during peak and off-peak hours. The data collected include vehicle frequency, the number of boarding and alighting passengers, route distance, and travel time.The data were analyzed by comparing the actual operational performance with the existing urban public transportation service standards and by determining the number of vehicles required to improve the operational performance of the public transport system. The main problems found on this route include relatively long passenger waiting times and irregular headways due to the absence of a fixed scheduling system, as well as the impact of traffic congestion on travel speed. Therefore, better fleet arrangement and improved operational management are needed to enhance service quality.
Capital Structure, Firm Size, and Firm Growth: Do They Influence Firm Value Through Profitability? Evidence from Indonesian Manufacturing Firms Hindasah, Lela; Suprijanto, Dewi Hasanah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7333

Abstract

Firm value represents an important indicator of corporate performance and reflects investors’ perceptions of a company’s future prospects. Understanding the factors that influence firm value is therefore crucial for both managers and investors. This study aims to examine the effects of capital structure, firm size, and firm growth on firm value, with profitability acting as a mediating variable. The study focuses on manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the period 2019–2023. Using a quantitative research approach, secondary data were collected from companies’ financial statements, resulting in 433 firm-year observations selected through purposive sampling. Panel data regression analysis was employed to examine the direct relationships among variables, while the Sobel test was used to analyze the mediating role of profitability. The results show that capital structure has a negative and significant effect on profitability, whereas firm size and firm growth have positive and significant effects on profitability. However, capital structure, firm size, and firm growth do not have significant direct effects on firm value. Profitability, on the other hand, has a positive and significant influence on firm value. Furthermore, the mediation analysis confirms that profitability significantly mediates the relationships between capital structure, firm size, firm growth, and firm value. These findings suggest that profitability plays a crucial role in transmitting the effects of corporate financial and operational characteristics on firm value. Therefore, companies seeking to enhance their market value should prioritize strategies that improve financial performance and profitability.

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