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Agus Junaidi
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INDONESIA
Widya Cipta : Jurnal Sekretari dan Manajemen
Published by Universitas Bina Sarana Informatika
ISSN : 25500805     EISSN : 25500791     DOI : https://doi.org/10.31294/widyacipta
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Widya Cipta: Jurnal Sekretari dan Manajemen first publication in 2017 with P-ISSN: 2550-0805 E-ISSN: 2550-0791 contains scientific writings on conceptual ideas, studies, theoretical applications, literature studies, and research results that have a focus on management, social, secretarial, economic, and business developments. Widya Cipta: Jurnal Sekretari dan Manajemen published by LPPM Universitas Bina Sarana Informatika
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 10 Documents
 1 
Search results for , issue "Vol. 9 No. 1 (2025): March" : 10 Documents clear
A Comparative Analysis PT Mitra Adiperkasa, Tbk of the Pandemic's Impact on Similar Businesses in the Retail Sector Ali, Kresnanda; Darmansyah, Asep
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12120

Abstract

The primary objective of this study is to analyze how the pandemic has affected key financial indicators, including liquidity, solvency, profitability, and activity ratios of PT Mitra Adiperkasa, Tbk. The research utilizes quantitative methods, employing ratio analysis, vertical analysis, and horizontal analysis as comprehensive assessment tools. Furthermore, a comparative analysis with PT Mitra Adiperkasa, Tbk is conducted to measure the extent of pandemic effects on similar businesses in the retail sector. The research data source was derived from the financial statements of PT Mitra Adiperkasa Tbk (MAPI) during the period 2018-2022. The data is further supported by secondary sources such as annual reports, publications from the Central Bureau of Statistics. The findings of the study reveal a dynamic financial journey characterized by growth, challenges, and recovery. Prior to the pandemic, PT Mitra Adiperkasa, Tbk. experienced positive growth in sales revenue and total assets, but faced difficulties in key financial metrics. The pandemic resulted in a decline in sales revenue, total equity, and net income, presenting significant profitability challenges. However, the company demonstrated resilience and adaptability, bouncing back with increased sales revenue, total assets, and net income in the post-pandemic period. The findings have practical implications for companies seeking strategies to enhance financial stability and operational efficiency amidst ongoing challenges.
Optimal Portfolio Analysis Using Markowitz Model and Single Index Model Maulana, Yasir; Meilaniy, Windy Dwi; Yusuf, Ayus Ahmad
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12121

Abstract

This study aims to determine the composition of the optimal portfolio formation results of the Markowitz Model and Single Index Model. This study also aims to compare the results of optimal portfolio formation and performance of the Markowitz Model and Single Index Model. The population in this study are all stocks included in the LQ45 index listed on the Indonesia Stock Exchange for the period 2018-2022. The research sample is stocks that are consistently listed in the LQ-45 index during the 2018-2022 period. The number of research samples based on these conditions was 27 stocks. The results of this study are: In the Markowitz Model, 5 optimal portfolio-forming stocks are obtained, namely ADRO (49%), ANTM (22%), BBCA (7%), ICBP (5%), and KLBF (16%). With a portfolio return rate of 0.025382 (2.54%) and a portfolio risk of 0.081342 (8.13%).  In the Single Index Model, 9 optimal portfolio-forming stocks are obtained, namely UNTR (15.18%), PTBA (3.38%), MNCN (4.15%), ICBP (35.59%), EXCL (6.62%), BBTN (0.92%), BBCA (32.55%), ANTM (0.04%) and ADRO (1.56%). With a portfolio return rate of 0.02066 (2.1%) and a portfolio risk of 0.04005 (4%).  The results of the independent sample t-test processing of the return show that there is no difference between the Markowitz Model return and the Single Index Model return. 
Measuring Benefits of Hajj Zam-Zam Savings Bank Panin Dubai Syariah Bandung Through Product Quality and Service Halim, Sugiarto; Putra, Yuda Dharma
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12122

Abstract

Reviewing the potential of the graph shows that the number of Indonesian pilgrims registering and departing for Umrah and Hajj each year continues to increase, which provides a great opportunity for Islamic travel and financial service providers. Meanwhile, one of the services that offer Hajj and Umrah Savings products is Islamic Banking, which strives to educate users, promote services, and improve their quality. Based on problem identification, it can be stated that information regarding Hajj savings in Islamic banking is still unevenly distributed to the wider community, as well as the limitations and availability of Islamic banks which are still unevenly distributed in various cities. The data collection techniques used are interviews and distributing questionnaires to users. This research method uses quantitative methods to examine the development of theories that they have developed based on the knowledge and insights they have regarding the Quality of Zam-Zam Hajj Savings Products at PT Bank Panin Dubai Syariah Tbk KC Bandung. This research is expected to be useful for parties who intend to save their money in Islamic banks and provide information to Islamic bank managers about how to channel customer funds properly and correctly in accordance with community regulations. and can be used as a guideline as well as additional information for the benefit of future research development. 
Innovation and Digitalization: Driving Forces for Corporate Competitiveness and Longevity Amri, Amri; Isnanto, Burham; Saputro, Seno Hadi; Bakti, Ferry
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12124

Abstract

In the face of rapid technological advancements and market shifts, companies must adapt and enhance their competitiveness to ensure long-term survival. Prior studies have not extensively investigated models that elucidate the correlation between innovation, digital transformation, productivity, and employment in relation to a company's competitiveness and longevity, particularly in developing countries. This study explores the impact of innovation, digital transformation, productivity, and employment on organizational competitiveness and their influence on corporate longevity and sustainability in the Bangka Belitung Islands, Indonesia. Employing survey methods and analyzing data using double regression, simple regression, smartPls, and SPSS, the study surveyed 120 respondents from various industrial sectors. The results reveal that innovation, productivity, and jobs significantly and positively impact companies' competitiveness, while digital transformation has a lesser effect. Additionally, the study found that a company's competitiveness positively and significantly influences its existence and survival. The research significantly contributes to understanding the factors affecting competitiveness and long-term viability in the digital economy, highlighting the crucial role of innovation, productivity, and job quality in enhancing competitive advantage. The findings provide a basis for strategic decision-making at the company level and the development of public policies that foster business growth and resilience within the Belitung Framework.
Customer Loyalty Model of Export Product Shipment Certification Lubis, Muchdy; Hartoyo, Hartoyo; Zulbainarni, Nimmi
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12190

Abstract

This study explores a loyalty model for customers of PT. XYZ, a certification body managing export product shipment certification. It examines the role of service quality, customer satisfaction, trust, and loyalty and aims to identify areas for improvement. The questionnaires were distributed to 119 companies, but only 104 companies became research respondents. The data was collected using convenience sampling and telephone surveys. Results indicate that customer satisfaction is significantly shaped by five Servqual service quality dimensions: tangibility, empathy, reliability, responsiveness, and assurance. These dimensions also substantially influence customer trust. Satisfaction and trust directly affect customer loyalty, with indirect effects mediated through trust. Specifically, reliability impacts trust via satisfaction, and assurance impacts trust through satisfaction. Satisfaction, in turn, drives loyalty through trust. For further improvements in service quality, it is recommended PT. XYZ conducts training personnel in communication and regulatory compliance. PT. XYZ is also suggested to conduct document control and personal protective equipment management training.
Moderating Effect of Trust on Determinants of Customer Satisfaction Factors Muhammadinah, Muhammadinah; Palengka, Muhammad Fajri; Bayumi, Muhammad Rahman; Maulana, Chandra Zaky
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12192

Abstract

In connection with customer satisfaction of mobile banking users, there are several problems, including being vulnerable to “smishing” fraud, one of which involves rogue mobile applications. This study aims to determine the role of trust in moderating the effect of security level, and service features on customer satisfaction of mobile banking users of Bank Sumsel Babel Syariah UIN Raden Fatah Palembang Branch Office. This type of research is quantitative using statistical techniques to test the hypothesis. The data used is primary data with data collection techniques using questionnaires distributed directly to 100 respondents as samples with accidental sampling techniques while secondary data uses literature studies. The data analysis technique in this study uses SmartPLS with outer model testing including convergent validity, average variance extracted (AVE) and composite reliability and inner model testing including R square and hypothesis testing. The results showed that based on testing convergent validity, average variance extracted (AVE) and composite reliability, it is known that all variables including their indicators are declared valid and reliable, then the R-square value is 0.579 which means that customer satisfaction can be explained by 57.9% by the variables of security level, service features and trust, while the remaining 42.1% is explained by other variables outside the study.  Then the results of hypothesis testing show that the variables of security level, service features and trust directly have a positive and significant effect on customer satisfaction. Then the trust variable is unable to moderate the effect of the level of security and service features on customer satisfaction. 
Exploration of Enterprise Risk: An Analysis of Financial Leverage, Intangible Assets, and Earnings Management Practices Sari, Erna; Sirait, Hisar; Basuki, Rizqy Aziz; Setyaningsih, Ratih Nur; Ramli, Rahmat
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12193

Abstract

This research project aims to investigate the impact of financial leverage, intangible assets, and earnings management on corporate risk within the manufacturing sector. The principal objective is to comprehend the manner in which these variables interact and exert influence on the overall risk profile of companies within this pivotal economic sector. Quantitative research methodology, utilizing secondary data sourced from the Indonesia Stock Exchange. The data collection process entails the documentation of financial reports and pertinent metrics, thereby facilitating a comprehensive analysis of the relationships between the identified variables. The application of statistical analysis techniques allows for the assessment of the significance and strength of these relationships, thereby providing insights into the dynamics of corporate risk management. The findings demonstrate that elevated financial leverage is linked to augmented financial risk, as organizations with substantial debt burdens encounter heightened difficulties in fulfilling their obligations during economic downturns. Furthermore, the existence of intangible assets, while potentially advantageous for growth, also introduces an element of uncertainty that can have a detrimental impact on corporate risk. Furthermore, the findings indicate that earnings management practices can distort the accurate representation of a company's financial health, leading to misinformed decision-making by stakeholders. In conclusion, the research highlights the significance of comprehending the interrelationship between financial leverage, intangible assets, and earnings management in the context of corporate risk mitigation. The insights gained from this study can assist management in making informed strategic decisions, thereby enhancing the resilience and sustainability of manufacturing firms in the face of economic challenges.
Hyper-Personalization For Customer Innovativeness, Customer Involvement and Adoption Intention Alfian, Rendi; Yuliana, Lingga; Perkasa, Didin Hikmah; Putra, Muhammad Farrel Risyawal
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12196

Abstract

In the context of smartphone product uptake, this study attempts to investigate how hyper-personalization can affect customer innovativeness and customer involvement. Businesses can offer features and information that are customized to each customer's tastes by using a hyper-personalization strategy, which can raise customer engagement and interest in using the product. Taking samples with 100 responders is possible using the purposeful sampling technique. Smartphone users in South Jakarta between the ages of 17 and 50 met the requirements to participate in this study. July 5–6, 2024, was the date of data gathering. Primary data sources are the source of the data. Google Form serves as an intermediary in the distribution of primary data in the form of a questionnaire. Smart PLS version 4.1.0.0 is a data processing program that may be used to analyze data using the partial least squares technique. The outcomes of the research support the first hypothesis, which holds that adopt intention is influenced by consumer innovation. The impact of consumer innovativeness on customer involvement is demonstrated by the second hypothesis. The research's managerial implications include the possibility for businesses in the smartphone sector to keep introducing innovative items to market as a result of the public's approval of new products. Consumers anticipate new products since they are accustomed to using smartphones.
Integration of Balanced Scorecard and Analytical Hierarchy Process as a Method of Performance Measurement and Target Strategy Selection Siagian, Wesly Mailander; Togatorop, Iqnatius Cahyo H.
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12226

Abstract

This study evaluates the performance of PT. XYZ, a prominent ready-mix concrete company in Toba Regency, North Sumatra, Indonesia, from 2018 to 2022. Utilizing a descriptive and quantitative research approach, data were gathered through document analysis, questionnaires, and interviews. The findings reveal significant financial weaknesses, particularly in the total asset turnover, return on investment (ROI), and debt-to-asset ratios. However, the company demonstrates strong performance in customer satisfaction, internal business processes, and learning and growth dimensions. Employing the Balanced Scorecard (BSC) framework, this research assesses these four perspectives and highlights the critical importance of the learning and growth perspective for strategic development. Through the integration of the Analytical Hierarchy Process (AHP), the study identifies the enhancement of information systems as a key strategic goal. This approach not only provides a comprehensive evaluation of PT. XYZ performance over the five-year period but also offers targeted recommendations for future business development and sustainable growth. PT XYZ overall performance is rated as good based on the Balanced Scorecard, with most indicators showing positive results, and the development of an information system is identified as a top priority to support the company's learning and growth.
Factors Influencing Behavior and Financial Welfare of MSMEs Widyastuti, Maria; Hermanto, Y. Budi; Astuti, Amanda Wahyu
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 9 No. 1 (2025): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v9i1.12227

Abstract

The aim of this research is to test financial literacy, self-control, optimism, deliberative thinking in determining the value of financial behavior and well-being. This research is explanatory/associative by testing hypotheses. The research population is MSME actors in East Java (Sidoarjo, Malang, Pasuruhan, Gresik), with a sample of 200 MSME actors, data collection using the purposive sampling method. The results of data processing with the help of the SmartPls analysis program show that financial literacy, self-control, optimism and deliberative thinking have a significant but weak direct and indirect influence on financial behavior and financial well-being. The results of this research provide meaning that financial literacy, self-control, optimism and deliberative thinking have a strategic role in explaining why the financial behavior and well-being of MSMEs is getting better and developing. So that the understanding of MSME players regarding: financial literacy must always be developed, self-control means that when spending money must be based on careful consideration, a spirit of optimism needs to be fostered because it will give rise to confidence that the results of the efforts made will be positive, profitable and as expected. Meanwhile, deliberative thinking is a planned, clear, considered decision-making process that influences personal decision making. 

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