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INDONESIA
Jurnal Nirta: Studi Inovasi
Published by Nirta Learning Centre
ISSN : -     EISSN : 28076648     DOI : 10.61412
Core Subject : Economy, Science, Education,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education
artikel penelitian dan pengabdian kepada masyarakat yang berfokus pada bidang keilmuan yaitu Pendidikan, Manajemen dan Pariwisata
Arjuna Subject : Ilmu Sosial - Pendidikan
Articles 239 Documents
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PERAN GURU BK DALAM MEMBANGUN KEBERMAKNAAN BELAJAR SISWA Rika Ayuni; Mega Natasya; Gusman Lesmana
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.409

Abstract

Meaningful learning is a fundamental element in the educational process that influences students' motivation, achievement, and psychological well-being. This study aims to analyze the role of Guidance and Counseling (BK) teachers in fostering meaningful learning in students in the contemporary education era. Using a qualitative literature review, this study examines various scientific sources from 2017 to 2025 that discuss the role of guidance and counseling teachers, meaningful learning, and strategies for developing meaning in educational contexts. The results indicate that guidance and counseling teachers play a strategic role in building meaningful learning for students through four main dimensions: responsive services to students' psychological needs, developing self-determination and learning autonomy, facilitating the exploration of values ​​and life goals, and collaborating with educational stakeholders. Guidance and counseling teachers act as facilitators, counselors, advocates, and collaborators in helping students find personal meaning in their learning process. Implementing comprehensive and planned guidance and counseling services can increase student engagement, reduce academic anxiety, and encourage deeper learning. This study recommends improving guidance and counseling teachers' competencies in a meaning-centered counseling approach, integrating technology into guidance and counseling services, and strengthening multi-stakeholder collaboration within the education ecosystem.
Peran Manajemen Strategik dalam Meningkatkan Daya Saing Usaha Mikro Kecil dan Menengah Mumu, Irene P E
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.410

Abstract

This study aims to analyze the comprehensive role of strategic management in improving the competitive advantage of Micro, Small, and Medium Enterprises. Specifically, this study evaluates the impact of strategy formulation, tactical implementation, and innovation capacity on the competitiveness of local businesses. Using a quantitative approach, data were collected through questionnaires from one hundred and fifty business actors operating in the culinary, fashion, and craft sectors. The sample was selected using a purposive sampling technique. Data analysis was conducted using statistical regression methods to empirically test the research hypotheses. The test results show that strategy formulation, strategy implementation, and innovation capacity simultaneously exert a positive and highly significant influence on improving business competitiveness. A key finding of this study confirms that tactical execution or implementation in the field is the most dominant factor in business success when compared to mere conceptual planning on paper. Furthermore, the ability to adapt through innovation is also proven to be a crucial catalyst for long term business sustainability. The conclusion of this research asserts that to win in a dynamic market competition, micro scale business actors cannot solely rely on having a good business plan, but must possess daily execution discipline and a strong commitment to consistently updating their service and product quality. Penelitian ini bertujuan untuk menganalisis peran manajemen strategik secara komprehensif dalam upaya meningkatkan keunggulan kompetitif Usaha Mikro Kecil dan Menengah. Studi ini secara spesifik mengevaluasi dampak dari perumusan strategi, implementasi taktis, serta kapasitas inovasi terhadap daya saing usaha lokal. Menggunakan pendekatan kuantitatif, data dikumpulkan melalui kuesioner dari seratus lima puluh pelaku usaha yang beroperasi di sektor kuliner, fesyen, dan kriya. Pemilihan sampel dilakukan dengan teknik purposive sampling. Analisis data dilakukan menggunakan metode regresi statistik untuk menguji hipotesis penelitian secara empiris. Hasil pengujian menunjukkan bahwa perumusan strategi, implementasi strategi, dan kapasitas inovasi secara serempak memberikan pengaruh positif dan sangat signifikan terhadap peningkatan daya saing bisnis. Temuan penting dari studi ini mengonfirmasi bahwa eksekusi atau implementasi taktis di lapangan merupakan faktor yang paling mendominasi keberhasilan usaha apabila dibandingkan dengan sekadar perencanaan konseptual di atas kertas. Selain itu, kemampuan adaptasi melalui inovasi juga terbukti menjadi katalisator penting bagi kelangsungan bisnis jangka panjang. Kesimpulan dari penelitian ini menegaskan bahwa untuk memenangkan persaingan pasar yang dinamis, pelaku usaha skala mikro tidak cukup hanya memiliki rencana bisnis yang baik, melainkan wajib memiliki kedisiplinan eksekusi harian dan komitmen kuat untuk terus memperbarui kualitas layanan maupun produk secara konsisten.
PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN, LOCUS OF CONTROL DAN GAYA HIDUP TERHADAP PERILAKU KEUANGAN PADA PEGAWAI PERUMDA PALJAYA DI JAKARTA SELATAN Dhias Dana Dhiksa; Astrid Dita Meirina Hakim
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.411

Abstract

Financial behavior of employees at Perumda Paljaya often reflects complaints that their salaries are considered insufficient, even though nominally they are at a relatively adequate level. Financial behavior is an important aspect of individual economic decision-making and has become a major concern globally. This study aims to analyze and empirically examine the effects of Financial Literacy, Financial Attitude, Locus of Control, and Lifestyle on the Financial Behavior of Perumda Paljaya employees. This research uses a quantitative approach. The population determination technique employed was non-probability sampling. The population in this study consisted of 131 employees. The sampling method used was purposive sampling, resulting in a sample of 112 respondents, with data collected through direct-to-project questionnaire distribution. The data were analyzed using SPSS version 26 and Microsoft Excel 2019. The results show that Financial Literacy, Financial Attitude, and Locus of Control partially have a positive and significant effect on Financial Behavior, while Lifestyle has no effect on Financial Behavior.
ANALISIS PENGGUNAAN DIGITAL PAYMENT BERDASARKAN TECHNOLOGY ACCEPTENCE MODEL (TAM) PADA MAHASISWA UNIVERSITAS BUDI LUHUR Ananta Nabilah Putri; Rizki Pratomo Sunarwibowo
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.412

Abstract

The food packaging industry in Surabaya is marked by intense competition, necessitating effective marketing strategies to enhance customer satisfactionThis study aims to analyze the factors influencing students’ behavioral intention to use digital payment systems by applying an extended Technology Acceptance Model (TAM). The variables examined include subjective norms, computer self-efficacy, perceived enjoyment, perceived usefulness, and perceived ease of use. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 36, with 365 respondents who met the criteria as students of Universitas Budi Luhur selected as research samples. The data analysis technique used was Partial Least Square–Structural Equation Modeling (PLS-SEM) with SmartPLS version 4.1.1.6. The results indicate that subjective norms have a positive and significant effect on perceived usefulness, while computer self-efficacy and perceived enjoyment have positive and significant effects on perceived ease of use. Furthermore, perceived usefulness and perceived ease of use significantly influence behavioral intention to use digital payment systems. The findings also reveal indirect effects through mediating variables. This study contributes theoretically to the development of the TAM framework and provides practical implications for digital payment service providers and educational institutions in enhancing digital payment adoption.
PENGARUH GAYA HIDUP CASHLESS, DAN LITERASI FINANSIAL TERHADAP PERILAKU KEUANGAN PENGGUNAAN QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) MELALUI PENGELOLAAN KEUANGAN SEBAGAI VARIABEL MEDIASI (Studi Kasus pada Gen Z di Kecamatan Karang Tengah, Kota Tanger Chikal Wirdianti Mustafa; Rizki Pratomo Sunarwibowo
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.413

Abstract

This study aims to analyze the influence of a cashless lifestyle and financial literacy on financial behavior, with financial management as a mediating variable among Generation Z users of the Quick Response Code Indonesian Standard (QRIS) in Karang Tengah District. This research applies a quantitative approach using an online questionnaire distributed to 400 respondents. Data were analyzed using Partial Least Square–Structural Equation Modeling (PLS-SEM) with the SmartPLS version 4.0.9.9 software. The results indicate that the cashless lifestyle, financial literacy, and financial management have a positive and significant effect on financial behavior. Furthermore, financial management was found to significantly mediate the relationship between cashless lifestyle and financial literacy on financial behavior. The R² value of 0.726 indicates that cashless lifestyle and financial literacy have a strong influence on the financial management of Generation Z in Karang Tengah District. This finding suggests that the majority of the variation in financial management among Generation Z in this area can be explained by the level of adoption of cashless payment systems and their understanding of financial concepts.
PENGARUH NET PROFIT MARGIN, TOTAL ASSET TURNOVER, PRICE TO EARNING RATIO, DAN SALES GROWTH TERHADAP RETURN SAHAM (Studi pada Perusahaan Sektor Healthcare yang Terdaftar di Bursa Efek Indonesia Periode 2019-2024) Widiya Maulida; Rizki Pratomo Sunarwibowo
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effect of net profit margin, total asset turnover, price to earning ratio, and sales growth on stock returns of healthcare sector companies listed on the Indonesia Stock Exchange during the 2019-2024 period. The study employs a quantitative approach with a causal associative research design, using a sample of 16 companies selected through purposive sampling. The data consist of secondary data derived from statements of financial position, profit and loss statements, dividend data, and closing stock prices, which are analyzed using panel data regression with a Fixed Model approach through Stata 17 software. The results indicate that total asset turnover and price to earning ratio have a positive effect on stock return, while net profit margin and sales growth have no effect on stock returns. These findings suggest that asset utilization efficiency and market expectations regarding firm value are more strongly considered by investors that profitability levels and sales growth in determining stock returns in the healthcare sector. Therefore this study is expected to contribute to investors investment decision making and serve as a reference for future research.
PENGARUH PERSEPSI KEMUDAHAN, PERSEPSI MANFAAT, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN BANK DIGITAL SEABANK PADA GENERASI Z DAN MILENIAL Dhiza Ganniessya Magandi; Rizki Pratomo Sunarwibowo
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.415

Abstract

This study aims to examine the effect of perceived ease of use, perceived usefulness, and trust on the intention to use SeaBank digital banking among Generation Z and Millennials in Ciledug, Tangerang. Data were collected through the distribution of questionnaires to 398 respondents; however, only 338 respondents met the criteria as active SeaBank users and were therefore included as the research sample. The data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS software version 4.1.1.6. The results indicate that perceived ease of use and perceived usefulness have a positive and significant effect on the intention to use SeaBank digital banking. In addition, perceived ease of use and perceived usefulness also have a positive and significant effect on trust. Furthermore, trust has a positive and significant effect on the intention to use. The results of the indirect effect analysis show that trust is able to mediate the relationship between perceived ease of use and perceived usefulness and the intention to use in a positive and significant manner. Overall, the findings confirm that ease of use, perceived benefits, and trust are important factors in shaping the intention of Generation Z and Millennials to use SeaBank digital banking services.
PENGARUH TEKNOLOGI KEUANGAN DAN PENDAPATAN MASYARAKAT TERHADAP PERILAKU KONSUMSI KONSUMEN USAHA MIKRO SEKTOR MAKANAN MINUMAN DI SWK KECAMATAN KREMBANGAN KOTA SURABAYA Afifahtus Syaleha; Arga Christian Sitohang
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.421

Abstract

The development of financial technology in the digital era has brought significant changes to transaction patterns and consumer behavior. This study aims to analyze the influence of financial technology and consumer income on consumption behavior in the food and beverage MSME sector at the Culinary Tourism Center (SWK) in Krembangan District, Surabaya City. Using a quantitative approach and multiple linear regression analysis, primary data were obtained through questionnaires from 97 respondents selected using a purposive sampling technique. The results show that financial technology and consumer income have a positive and significant effect on consumption behavior, both simultaneously and partially. This finding confirms that increased use of digital financial services and increased income encourage higher consumption tendencies. This research is expected to contribute to MSMEs and local governments in formulating policies to improve digital financial literacy and strengthen wiser and more sustainable consumer behavior.
Analisis Penerapan Model UTAUT Terhadap Penggunaan Aplikasi Suite 8 di Departemen Sales & Marketing Nabila Ayu Rahmadani; Dewi Khrisna Sawitri
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.346

Abstract

Perkembangan teknologi informasi dalam industri perhotelan mendorong efisiensi dan integrasi sistem operasional, salah satunya melalui penggunaan aplikasi Suite 8. Penelitian ini bertujuan untuk menganalisis penerimaan pengguna terhadap Aplikasi Suite 8 di Departemen Sales & Marketing di salah satu Hotel Bintang 5 Surabaya menggunakan Model Unified Theory of Acceptance and Use of Technology (UTAUT). Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi terhadap empat informan yang terdiri dari Sales Executive, Sales Manager, Reservation Staff, dan IT Support. Hasil penelitian menunjukkan bahwa faktor performance expectancy dan facilitating conditions berpengaruh paling kuat terhadap penerimaan penggunaan Suite 8 karena mampu meningkatkan efisiensi, akurasi, dan koordinasi kerja antar bagian. Faktor effort expectancy dan social influence juga memberikan pengaruh positif meskipun masih terdapat kendala teknis dan kebutuhan pelatihan lanjutan. Implikasi dari penelitian ini adalah pentingnya peningkatan dukungan pelatihan dan infrastruktur teknologi untuk memaksimalkan pemanfaatan Suite 8 di lingkungan kerja perhotelan.
IDENTIFIKASI FAKTOR PENYEBAB IRREGULARITAS KIRIMAN PADA JARINGAN OPERASIONAL KANTOR POS REGIONAL V SURABAYA Aurashiva Prameswari; Yuniningsih
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i2.384

Abstract

ABSTRAK Penelitian ini bertujuan untuk mengidentifikasi apa saja jenis irregularitas yang terjadi serta faktor yang paling dominan terjadi pada alur logistik Kantor Pos Regional V Surabaya pada periode W34-W38 Tahun 2025 . irregularitas adalah terjadinya penyimpangan antara data , fisik , barang , atau alur pengiriman yang seharusnya. Metode yang digunakan peneliti adalah kualitatif deskriptif . pengumpulan data melalui wawancara dengan salah satu karyawan yang terlibat langsung pada divisi bersangkutan dan analisis dokumen laporan irregularitas yang bersifat terbatas , penelitian ini menggunakan metode Root Cause Analysis (RCA) . Hasil analisis menunjukkan bahwa terdapat ada 15 Jenis Irregularitas dengan total 632 kasus pada periode W34-W38 tahun 2025 . Empat jenis irregularitas yang paling dominan ialah Selisih Kurang Item Kiriman (198 kasus) , Kiriman Rusak (129 Kasus) , Lain – Lain P6 (57 Kasus) , dan Salah Salur Kiriman (51 kasus) . Keempat jenis irregularitas ini menyumbang 70% dari keseluruhan jumlah irregularitas , Akar penyebab dari seluruh total irregularitas dikelompokkan menjadi empat faktor utama Irregularitas : Human Error (Faktor Manusia) , Sistem , Operasional , Dan Lingkungan Kerja . Temuan penelitian ini memberikan pengaruh terhadap perlunya peningkatan kepatuhan SOP , perbaikan sistem fisik , dan sistem monitoring yang perlu di kuatkan untuk menekan angka irregularitas di kemudian hari

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