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<![CDATA[EFISIENSI KINERJA KEUANGAN SEKTOR PERBANKAN INDONESIA DI MASA PANDEMI COVID-19 ]]>
<![CDATA[Erlinda Sholihah]]>
<![CDATA[ JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol 12 No 2 (2021): Jurnal Riset Manajemen Sains Indonesia ]]>
Publisher : <![CDATA[Fakultas Ekonomi, Universitas Negeri Jakarta ]]>
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DOI: 10.21009/JRMSI.012.2.06
<![CDATA[Penelitian ini bertujuan untuk menganalisis efisiensi kinerja keuangan sektor perbankan Indonesia di masa pandemi covid-19 dengan memakai pendekatan Data Envelopment Analysis (DEA). Data yang digunakan adalah data sekunder yang berwujud dokumen financial statements dan annual report perbankan umum konvensional dan syariah yang didapat dari laman resmi www.idx.co.id dan www.ojk.go.id. Populasi dalam penelitian ini adalah seluruh perusahaan perbankan di Indonesia yang terdiri atas Bank Umum Konvensional dan Bank Umum Syariah. Teknik sampling yang digunakan adalah teknik purposive sampling dengan sampel sebanyak 31 Bank Umum Konvensional dan 13 Bank Umum Syariah. Metode pengukuran efisiensi yang dipakai adalah pengujian non parametrik Data Envelopment Analysis (DEA) dengan pendekatan intermediasi dan profit. Variabel input yang dipilih mencakup modal, aktiva tetap, dana pihak ketiga (DPK) dan biaya operasional. Sedangkan variabel output mencakup kredit atau pembiayaan dan laba. Hasil penelitian menunjukkan bahwa rata-rata tingkat efisiensi sektor perbankan baik Bank Umum Konvensional ataupun Bank Umum Syariah menghadapi penurunan yang substansial di masa pandemi covid-19.]]>
<![CDATA[ANALISIS VALUE CHAIN PADA MINIMARKET SURYAMU SUKOHARJO ]]>
<![CDATA[Alun Pratama]]>;
<![CDATA[Erlinda Sholihah]]>
<![CDATA[ JURNAL MANAJEMEN MAKER STIE SULTAN AGUNG Vol 7, No 2 (2021): Volume 7 Nomor 2 Tahun 2021 ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Ekonomi Sultan Agung ]]>
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DOI: 10.37403/mjm.v7i2.343
<![CDATA[Value chain merupakan suatu instrumen yang digunakan untuk menganalisis keunggulan competitif dan menciptakan teknik yang tepat guna meningkatkan keunggulan tersebut. Pada tulisan ini Value Chain digunakan untuk menganalisis industri retail minimarket. Retail ialah akhir dari seluruh aktivitas pada saluran distribusi yang menghubungkan antara produsen dengan konsumennya dalam penjualan produk atau jasa. Retail yang dijadikan obyek analisis adalah Minimarket Suryamu, retail ini berada di Kabupaten Sukoharjo. Metode penelitian yang digunakan berupa metode deskriptifdengan menggunakan data primer yang didapatkan melalui observasi lapangan, wawancara dan dokumentasi. Hasil analisis yang didapatkan untuk meningkatkan keunggulan kompetitif adalah dengan memperbanyak variasi produk, karena dengan hal ini akan mempermudah pelanggan mencari barang yang diinginkan. Selain hal itu yang menjadi perhatian adalah memaksimalkan komunitas yang sudah ada dengan memenuhi setiap kebutuhannya. Adapun hal-hal yang patut untuk dipertahankan dan ditingkatkan adalah menambah jaringan distributor karena dengan menambah jumlah distributor produk akan mendapatkan harga lebih rendah dan akan merubah harga jual produk, tampilan toko, penggunaan teknologi, merincikan SOP dan pelayanan customer service.Kata kunci: value chain, ritel, keunggulan kompetitif]]>
<![CDATA[Analysis of the factors of intention to use QRIS for MSMEs in Semarang City’s traditional market ]]>
<![CDATA[Risma Nurhapsari]]>;
<![CDATA[Erlinda Sholihah]]>
<![CDATA[ Jurnal Ekonomi Modernisasi Vol. 18 No. 2 (2022): Juni ]]>
Publisher : <![CDATA[Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang ]]>
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DOI: 10.21067/jem.v18i2.7291
<![CDATA[Quick Response Indonesian Standard (QRIS) is the standardization of QR codes as a technology for payment systems established by Bank Indonesia on January 1, 2020. This standardization was formed to provide an easier and more efficient cashless payment system, especially for MSMEs. This study targets to analyze factors, namely product knowledge, perceived usefulness, perceived ease of use, and perceived risk of the intention of using QRIS in Traditional Market MSMEs in Semarang City. The model in this study was developed from the Technology Acceptance Model (TAM) framework and adapted to the context of MSMEs in Indonesia. This research uses an associative quantitative approach. The population in this study was traders in seven traditional markets in the Semarang City area. As empirical data was collected through a questionnaire involving 105 respondents from traders in the traditional market of Semarang City, then analyzed with SEM-PLS analysis techniques with SmartPLS software. The results showed that product knowledge, perceived usefulness, and perceived ease of use positively and significantly affected the intention of using QRIS. Then, perceived risk negatively and significantly affects the intention of using QRIS]]>
<![CDATA[Determinants of QRIS Adoption Intention for MSMEs: Identification During Covid-19 ]]>
<![CDATA[Erlinda Sholihah]]>;
<![CDATA[Risma Nurhapsari]]>
<![CDATA[ Proceeding of The International Conference on Economics and Business Vol. 1 No. 2 (2022): Proceeding of The International Conference on Economics and Business ]]>
Publisher : <![CDATA[Universitas Kristen Indonesia Toraja ]]>
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DOI: 10.55606/iceb.v1i2.135
<![CDATA[The purpose of this study is to examine the role of product knowledge, perceived benefit, and perceived ease of use on QRIS adoption intention for MSMEs in Semarang City during the Covid-19 pandemic. An associative quantitative approach was applied in this study. Population of this research are merchants in Semarang City’s traditional market. Empirical data were collected through questionnaires from 100 respondents and analyzed with SmartPLS 3.0 based on the SEM-PLS method. The results of this study confirm that product knowledge, perceived benefit, and perceived ease of use have a significant impact on the intention to adopt QRIS. The findings encourage the government to continue to accelerate the formation of a cashless society and increase public awareness of the benefit of digital payments in preventing the spread of the virus, especially the use of QRIS.]]>
<![CDATA[INTENSI KONTINUITAS PENGGUNAAN DIGITAL PAYMENT: PERAN MAHASISWA SEBAGAI WARGA KEUANGAN DIGITAL ]]>
<![CDATA[Erlinda Sholihah]]>;
<![CDATA[Diyah Ariyani]]>
<![CDATA[ Jurnal Manajemen dan Bisnis Jayakarta Vol 4 No 02 (2023): Vol. 04 No 02 Januari 2023 ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Ekonomi Jayakarta ]]>
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DOI: 10.53825/jmbjayakarta.v4i02.157
<![CDATA[This study aims to determine the factors that influence the level of continuance intention in using digital payments by students with the Expectation Confirmation Model (ECM) theory approach. The study used primary data from 100 students who use digital payments. The analysis in this study used SEM-PLS to analyze the relationship between exogenous variables and endogenous variables with the help of SmartPLS version 3. Overall, this model accounts for 54.7% of the variance in the continuity of digital payment usage intentions. An element substantially influenced by factors such as Perceived Usefulness and Satisfaction. Of these factors, Satisfaction is the most powerful predictor of continuance intention. Along with Confirmation, Perceived Usefulness also greatly affects Satisfaction. These findings will assist stakeholders in strategizing policies to offer more innovative and flexible technology products to the wider community as digital finance citizens.]]>
<![CDATA[Percepatan Implementasi Digital Payment Pada UMKM: Intensi Pengguna QRIS Berdasarkan Technology Acceptance Model ]]>
<![CDATA[Erlinda Sholihah]]>;
<![CDATA[Risma Nurhapsari]]>
<![CDATA[ Nominal Barometer Riset Akuntansi dan Manajemen Vol 12, No 1 (2023): Nominal April 2023 ]]>
Publisher : <![CDATA[Yogyakarta State University ]]>
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DOI: 10.21831/nominal.v12i1.52480
<![CDATA[ABSTRACTThis study explores the role of perceived usefulness and perceived ease of use towards the intention of using QRIS for MSMEs in Semarang City’s Traditional Market based on the Technology Acceptance Model (TAM). Quantitative research with a causal design was applied in this study. The population of this study is the traders in the traditional market of Semarang City. Empirical data were collected through questionnaires from 100 respondents and analyzed using SmartPLS based on the SEM-PLS method. The results of this study confirm that perceived usefulness and perceived ease of use have a positive and significant impact on the intention to use QRIS. Thus, this study is consistent with the efforts of the government and Bank Indonesia in encouraging the acceleration of the implementation of digital payments or the National Non-Cash Movement (GNNT) and the development of the MSMEs digitalization program.Keywords: Usage Intentions, MSMEs, QRIS, Digital Payment, Technology Acceptence ModelABSTRAKTujuan dari penelitian ini ialah mengeksplorasi peran persepsi kemanfaatan dan persepsi kemudahan terhadap intensi penggunaan QRIS bagi pelaku UMKM di Pasar Tradisional Kota Semarang berdasarkan konsep Technology Acceptance Model (TAM). Penelitian kuantitatif dengan desain kausal diaplikasikan dalam studi ini. Populasi penelitian ini ialah para pedagang di pasar tradisional Kota Semarang. Data empiris dikumpulkan melalui kuesioner dari 100 responden dan dianalisis menggunakan SmartPLS berdasarkan metode SEM-PLS. Hasil studi ini mengkonfirmasi bahwa persepsi kemanfaatan dan persepsi kemudahan memiliki dampak yang positif dan signifikan terhadap intensi untuk menggunakan QRIS. Dengan demikian, studi ini konsisten dengan upaya pemerintah dan Bank Indonesia dalam mendorong percepatan implementasi digital payment atau Gerakan Nasional Non Tunai (GNNT) dan pengembangan program digitalisasi UMKM.Kata Kunci: Intensi Penggunaan, UMKM, QRIS, Digital Payment, Technology Acceptence Model]]>
<![CDATA[PENGUATAN ENTREPRENEURSHIP SISWA SISWI SMKN 6 SUKOHARJO SEBAGAI CALON ENTREPRENEUR MUDA ]]>
<![CDATA[Heni Susilowati]]>;
<![CDATA[Erlinda Sholihah]]>;
<![CDATA[Titin Hargyatni]]>;
<![CDATA[Erwan Nurhidayat]]>;
<![CDATA[Jaelani]]>;
<![CDATA[Pemilia Sulistowati]]>;
<![CDATA[Kusna Djati Purnama]]>
<![CDATA[ Community : Jurnal Pengabdian Pada Masyarakat Vol 3 No 1 (2023): Maret : Jurnal Pengabdian Pada Masyarakat ]]>
Publisher : <![CDATA[LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern ]]>
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DOI: 10.51903/community.v3i1.343
<![CDATA[Lulusan SMK yang diharapkan memiliki kualifikasi pengetahuan, kecakapan dan keahlian ternyata masih banyak kendala dan tantangan. Ada kesenjangan (gap) antara pengetahuan dan ketrampilan para lulusan SMK dengan spesifikasi keahlian yang diminta dunia kerja. Pemerintah terus mendorong akselerasi pengembangan ekosistem kewirausahaan untuk mempercepat pemulihan dan pembangunan ekonomi. Perrguruan tinggi dapat berkontribusi dalam meningkatkan minat siswa SMK terhadap entrepreneurship berdasarkan pengetahuan dan inovasi. Sekolah Tinggi Ilmu Ekonomi Studi Ekonomi Modern (STIE STEKOM) melakukan Pengabdian Kepada Masyrakat untuk mengedukasi pentingnya pengenalan entrepreneurship kepada siswa-siswi SMKN 6 Sukoharjo. Penguatan kewirausahaan yang efektif dilakukan diharapkan dapat meningkatkan kecakapan siswa siswi sebagai calon entrepreneur muda dengan memberikan penyuluhan membahas penilaian diri sebagai modal emtrepreneurship, cara berkomunikasi yang efektif dalam berbisnis, rencana bisnis model canvas, strategi berbisnis di era digital dan modal usaha untuk keberlangsungan bisnis.]]>
<![CDATA[Determinants of BSI mobile banking adoption intentions: DeLone & McLean and UTAUT Model integration with religiosity ]]>
<![CDATA[Erlinda Sholihah]]>;
<![CDATA[Ika Septiana Windi Antari]]>;
<![CDATA[Rizqi Fajar Rochimawati]]>;
<![CDATA[Ulwiyyah]]>
<![CDATA[ Asian Journal of Islamic Management (AJIM) VOLUME 5 ISSUE 1, 2023 ]]>
Publisher : <![CDATA[Faculty of Business & Economics, Universitas Islam Indonesia ]]>
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DOI: 10.20885/AJIM.vol5.iss1.art1
<![CDATA[Purpose − This research aims to identify influencing factors on BSI mobile banking adoption intention by integrating the UTAUT and DeLone & McLean models and the role of religiosity variables.Methodology − This research used primary data from 150 Bank Syariah Indonesia customers who used mobile banking. The analysis method applied SEM PLS to assess the relation among exogenous and endogenous variables using SmartPLS software.Findings − The findings show that from the factors identified, Service Quality, Information Quality, Performance Expectancy, Effort Expectancy, Social Influence, and Religiosity are critical variables in BSI mobile banking adoption intention. Because these six factors significantly impact the intention of BSI Mobile Banking adoption.Implications − Our work helps stakeholders strategize and policy to offer more innovative and flexible production technologies. So, the bank must pay more attention to things that support the increasing performance of mobile banking to increase customer intentions in adopting BSI mobile banking.Originality − This research provides a theoretical contribution in integrating the UTAUT and DeLone & McLean models, including the role of religiosity variables in assessing the adoption intention factors of BSI mobile banking in Indonesian society.]]>
<![CDATA[Penerapan MFCA Dengan Lean Tools ]]>
<![CDATA[Erlinda Sholihah]]>;
<![CDATA[Jaelani Jaelani]]>
<![CDATA[ JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 1 No. 2 (2023): April : JURNAL RISET MANAJEMEN DAN EKONOMI ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis (ITB) Semarang ]]>
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DOI: 10.54066/jrime-itb.v1i2.649
<![CDATA[This study aims to analyze the application of Material Flow Cost Accounting (MFCA) as a diagnostic tool and develop methodologies with lean tools that can be validated through their application to case studies in industrial companies. In an effort to become more competitive, the component manufacturing industry needs to find simple and effective solutions that increase productivity while reducing costs. Faced with this reality, companies need to find the right solutions to reduce environmental impact and remain focused on cost control. This study contributes a methodology for integrating MFCA with lean tools in the field of environmental management accounting. This integration enables a comprehensive analysis of the environmental and economic impacts of production, helps companies identify improvement opportunities, and encourages managers to systems of continuous improvement. The study used a review of complementary literature, the development of methods of integrating MFCA and Lean tools. Furthermore, validation is carried out through the application of case studies in industrial companies, which allows the collection of data needed to perform MFCA analysis and calculation models. The integration of MFCA with lean tools provides a comprehensive analysis of the environmental and economic impact of production. The methodology is validated through industry case studies, demonstrating practical applicability and potential benefits. The study also revealed that MFCA analysis has limitations, but when combined with detailed process observations, it can identify inefficiencies that were not detected before. Overall, this methodology enables a shift towards environmentally friendly and low-waste production, and acts as a cycle of continuous improvement to bring production processes closer to ideal optimal levels. The findings suggest that MFCA with lean tools can provide a more comprehensive analysis of the environmental and economic impact of production processes, enabling a shift in production systems towards environmental friendliness and making component waste low. The study provides valuable insights and guidance for companies looking to improve their environmental and economic performance through the integration of MFCA and Lean tools.]]>
<![CDATA[Peran Layanan Terhadap Kepuasan Pelanggan Pada Sektor Perbankan ]]>
<![CDATA[Derudebu Talunohi]]>;
<![CDATA[Erlinda Sholihah]]>
<![CDATA[ Jurnal Akuntan Publik Vol. 1 No. 3 (2023): September : Jurnal Akuntan Publik ]]>
Publisher : <![CDATA[Universitas Katolik Widya Karya Malang ]]>
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DOI: 10.59581/jap-widyakarya.v1i3.969
<![CDATA[One type of competence that is crucial that must be managed by the banking industry is service. Future challenges will be increasingly severe and increasingly rapid technological advances require the banking sector to provide the best services in order to be able to compete in an increasingly tight business environment. The purpose of this study is to explore the factors that influence customer satisfaction in the banking industry in Indonesia. This research focuses on evaluating service quality, customer loyalty and security in improving customer satisfaction. This research is an empirical research built with primary data by distributing a questionnaire survey and getting 204 bank customers involved in the research. Furthermore, the data was processed using the SPSS program version 25 through validity and reliability testing. The findings showed that all variables studied affected customer satisfaction in the banking sector in Central Java. This research produced findings that show there is a positive and significant influence between service quality and customer loyalty to customer satisfaction; The findings also showed a negative correlation between security and customer satisfaction. The findings in this study provide additional new insights into studies related to service quality assessment in the banking sector in Central Java and Indonesia.]]>
