Journal Title :Genius Jurnal Ekonomi Dan Manajemen ISSN : 3090-7470 Publisher : Meta Nusantara Frequensy : Two a Year (June- Desember) Citasy Analysis : Googel Scholar Genius: Jurnal Ekonomi dan Manajemen is a double-blind peer review and an open-access online journal for academics and researchers published by Meta Nusantara and managed by the Department of Management. Genius: Jurnal Ekonomi dan Manajemen is a periodical publication with the primary objective to disseminate scientific articles in the fields of management, business, microeconomics, macroeconomics, finance and taxation. This journal is accepts the manuscript written in Indonesia and English and published two a year (June and December). This journal focuses on various themes, topics, and economics and management aspects, including the following topics: Financial Management Human Resources Management Marketing Management Operational Management Strategic Management Macroeconomics Microeconomics Accounting Genius: Jurnal Ekonomi dan Manajemen is currently indexed by Googel Scholar, Garuda
Manajemen Risiko Hukum sebagai Strategi Meningkatkan Kinerja Perusahaan pada Era Ekonomi Digital
The transformation of the digital economy has increased innovation opportunities while increasing legal risks that can affect company performance. This research aims to analyze the role of legal risk management as a strategy in improving company performance in the digital economy era. This study uses a qualitative approach with a phenomenological research type to understand the experience of organizational actors in managing legal risks. The data source consists of primary and secondary data; Primary data was obtained through in-depth interviews with company leaders, risk managers, compliance managers, and heads of legal divisions, while secondary data came from company documents, laws and regulations, governance reports, and relevant scientific literature. The results of the study show that legal risk management plays an important role in improving company performance through strengthening compliance, preventing disputes, protecting reputation, and improving adaptability to digital regulatory changes. Companies that systematically manage legal risks tend to be more operationally stable, more efficient in decision-making, and more trusted by stakeholders. Thus, legal risk management is not only a preventive instrument, but also an important strategy to strengthen the competitiveness and sustainability of companies in the digital economy era.
Copyright (c) 2026 Muhammad Husaini (Author) https://creativecommons.org/licenses/by/4.0
Dampak Insentif Dan Lingkungan Kerja Terhadap Kepuasan Kerja Karyawan Pada Industri Retail Surabaya
This study aims to analyze the impact of incentives and work environment on employee job satisfaction in the retail industry in Surabaya. Job satisfaction is a crucial factor influencing employee productivity and retention in retail companies. This study employs a quantitative method with a survey approach. The research population consisted of all permanent employees from three major retail companies in Surabaya, with a sample of 120 respondents selected using purposive sampling. Data were collected through structured questionnaires and analyzed using multiple linear regression. The results indicate that incentives have a positive and significant effect on employee job satisfaction (t = 4.512; p < 0.05), and the work environment also has a positive and significant effect on job satisfaction (t = 3.879; p < 0.05). Simultaneously, incentives and work environment significantly affect job satisfaction with F = 28.341 (p < 0.05) and a coefficient of determination (R²) of 0.612, meaning that 61.2% of the variation in job satisfaction can be explained by incentives and work environment. The implication of this study is that retail companies need to design competitive incentive systems and create a conducive work environment to enhance employee job satisfaction.
insentif, lingkungan kerja, kepuasan kerja, industri retail, Surabaya
Copyright (c) 2026 Lilis hidayatus sugiarti, Dea Amellia, Angels Monica, Adinda Diah Fatikha Yusuf, Arinndah Cindy, Agus Wahyudi (Author) https://creativecommons.org/licenses/by/4.0
Implementasi Akad Syariah pada Produk Simpanan dan Pembiayaan di BMT Indragiri Cab. Pekanbaru: Tinjauan Perspektif Keuangan Islam
The rapid growth of Islamic financial institutions in Indonesia is still accompanied by a gap between Islamic financial literacy and inclusion. This study employs a field research design with a descriptive qualitative approach. Data were collected through interviews with parties involved in the implementation of savings and financing products to obtain information regarding the application of Islamic contracts in the institutions’ operations. The collected data were then analyzed using an interactive data analysis model. Interactive data analysis involves three stages: data reduction, data presentation, and drawing conclusions or verification. The objective of this study is to analyze the implementation of Sharia contracts in savings and financing products at BMT Indragiri’s Pekanbaru Branch and to assess their compliance with Islamic financial principles. The research findings indicate that the implementation of Sharia contracts for savings and financing products at the Pekanbaru Branch of BMT Indragiri is in accordance with the principles of Islamic finance. Savings products utilize wadiah yad dhamanah, mudharabah, and musyarakah contracts, while financing products utilize murabahah, mudharabah, musyarakah, ijarah, and qardhul hasan contracts. The application of these contracts is carried out clearly, transparently, and based on mutual agreement between both parties, thereby avoiding elements of riba, gharar, and injustice. Additionally, the BMT fulfills its social function through qardhul hasan financing and the collection of social funds to assist the community. However, this study also found that public understanding of Sharia contracts still needs to be improved through more intensive outreach and education.
Implementation of Sharia Contracts; Baitul Maal wa Tamwil (BMT); Islamic Finance;
Copyright (c) 2026 Arianti, Azwar, Sandrina Ananda Tasya, Roby Hadiansyah, Afira Adila Putri (Author) https://creativecommons.org/licenses/by/4.0
Sinergi Fungsi Sosial Dan Komersial BMT Al-Ittihad Rumbai Pekanbaru Sebagai Bentuk Dakwah Ekonomi
This research aims to examine the synergy between the social and commercial functions of Baitul Maal wat Tamwil (BMT) Al-Ittihad Rumbai Pekanbaru as a real manifestation of Islamic economic preaching. The background of this research is based on the phenomenon that BMT as a sharia microfinance institution not only plays a role in business activities, but also carries a social mission through the management of zakat, infak, alms, and waqf (ZISWAF) funds, but in its implementation the two functions have not fully run in a balanced and synergistic manner. This research uses a descriptive qualitative method with data collection techniques through in-depth interviews and direct observations at the headquarters of BMT Al-Ittihad Rumbai, Pekanbaru. The research results show that the commercial function of BMT Al-Ittihad runs through the collection of funds based on the wadiah and mudharabah contracts, as well as the distribution of financing with the murabahah, musyarakah, and mudharabah contracts. As for its social function, it is realized through the management of ZISWAF funds, the provision of scholarships, and the financing of Qardhul Hasan's virtues. The synergy of the two is proven to create an inclusive economic chain, where the benefits from the commercial sector support the sustainability of social programs, while the empowerment of the dhuafa community through social functions transforms into productive partners for the commercial sector.
Copyright (c) 2026 Kamila Rakhmawati, Nanda Putri, Azwar (Author) https://creativecommons.org/licenses/by/4.0
Akad Syariah pada Produk Pembiayaan BMT Mitra Arta Pekanbaru: Tinjauan Fatwa DSN-MUI
Amidst these developments, Baitul Maal wat Tamwil (BMT) plays a strategic role as a micro-institution that performs business (tamwil) and social (maal) functions to empower the community's economy. The conformity of the application of contracts with Sharia principles regulated by the fatwa of the National Sharia Council Indonesian Ulema Council (DSN-MUI) is very important for the validity of transactions conducted at BMT. The conformity of transactions with Sharia principles established by the fatwa of the National Sharia Council Indonesian Ulema Council (DSN-MUI) is very important for the validity transactions at BMT. The purpose of this research is to examine how murabahah, musyarakah, ijarah, and ijarah multijasa contracts are applied to financing products at BMT Mitra Arta Pekanbaru and to review their compliance based on the perspective of DSN-MUI fatwas. The main focus of the research is to ensure that the contract practices in the field meet the stipulated requirements to avoid elements of riba, gharar, and maisir. This research uses a qualitative approach with a descriptive research type thru field studies. Data were collected thru thorough interviews with relevant individuals, in addition to documentation, which consists of product brochures and other supporting documents. A comparative descriptive analysis method was used to compare practices at BMT Mitra Arta Pekanbaru with DSN-MUI fatwas number 04 (Murabahah), 08 (Musyarakah), 09 (Ijarah), and 44 (Ijarah Multijasa). The research results show that BMT Mitra Arta Pekanbaru has implemented murabahah, musyarakah, ijarah, and ijarah multijasa contracts in accordance with the provisions regulated in the DSN-MUI Fatwa
Copyright (c) 2026 Yoga Riski Andria, Samsia Afriani Nst, Cinto Hasanah Fitri, Muhammad Fahrizal, Raihan Maulidil Ahmad, Azwar (Author) https://creativecommons.org/licenses/by/4.0
Determinan Motivasi Berwirausaha Pada Sarjana Perguruan Tinggi Swasta: Studi Deskriptif Di Kabupaten Blora
The low motivation to be entrepreneurial among private university graduates (PTS) is a serious challenge in Blora Regency, where the educated unemployment rate reaches 18.7% while only 7.2% of graduates choose to be self-employed. This study aims to describe the determinants of entrepreneurial motivation, identify dominant barriers, and formulate evidence-based policy recommendations. The research uses a qualitative approach with a descriptive type of research. Primary data sources were obtained from 45 private university graduates in Blora Regency who have graduated for at least one year with the status of job seekers, unemployed, or novice entrepreneurs, as well as key informants consisting of lecturers, student program managers, and community leaders. Data were collected through in-depth interviews, passive participant observations, and documentation studies, then analyzed using an interactive thematic model. The results showed that internal determinants included low self-efficacy (71.1%), low need for achievement (62.2%), and low risk tolerance (73.3%). External determinants include negative family support (62.2%), negative environmental subjective norms (68.9%), low access to capital (71.1%), and non-optimal role of educational institutions (80.0%). The dominant barrier is the systemic interaction between internal and external factors called entrepreneurial double bind (77.8%). This study concludes that the entrepreneurial motivation of private university graduates in Blora is hampered by the complex interaction between individual psychological factors and socio-cultural pressures, so that an integrated intervention is needed that targets changes in social norms as well as strengthening individual capacity.
Copyright (c) 2025 Ahmad Sadid (Author) https://creativecommons.org/licenses/by/4.0
Mekanisme Kepercayaan Konsumen Digital: Integrasi Risiko dan Kemudahan Penggunaan terhadap Kontinuitas Transaksi di Shopee
This research is motivated by the increasing volume of digital transactions on the Shopee e-commerce platform which is not balanced with the stability of long-term consumer confidence, as well as the rampant mode of fraud and data leakage that strengthens the perception of risk among users. This research aims to test the mechanism of digital consumer trust through the integration of risk perception and ease of use on transaction continuity at Shopee. The type of research used is quantitative explanatory with a survey approach. The source of the research data is primary data obtained from 350 respondents of active Shopee users in Indonesia who have made at least three transactions in the last six months and have experience using the platform's security features. Sampling was carried out by purposive sampling and snowball sampling techniques. The results of the study show that digital consumer trust has a positive and significant influence on transaction continuity with a path coefficient of 0.487. Risk perception has a negative and significant effect on transaction continuity with a path coefficient of -0.342, as well as acting as a moderation variable that weakens the influence of trust on transaction continuity. Ease of use has a positive effect on transaction continuity both directly (0.215) and indirectly through trust mediation (0.201). This study concludes that transaction continuity at Shopee is determined simultaneously by trust as the main driver, risk perception as an inhibitor, and ease of use as multiple driving factors.
Copyright (c) 2025 Nur Ichsan (Author) https://creativecommons.org/licenses/by/4.0
Pengaruh Promosi Jabatan dan Minat Nasabah Terhadap Kualitas Layanan Dengan Mediasi Strategi Pemasaran Pada Kredit Multiguna BMT NU BLORA
This research is motivated by the stagnation of the growth of Multipurpose Credit customers at BMT NU Blora Branch, allegedly due to a less than optimal position promotion system and low conversion of customer interest into loyalty. The research aims to analyze the influence of job promotion and customer interest on service quality with marketing strategy as a mediation variable. The study uses a causal explanatory quantitative approach with a cross-sectional survey design. The sample consisted of 150 respondents (active customers of Multipurpose Credit and marketing employees who had been promoted) selected through purposive sampling based on inclusion criteria. Data analysis was carried out with PLS-SEM using SmartPLS 4.0. The results showed that promotion had a significant positive effect on marketing strategy (path coefficient 0.452, p<0.01), customer interest had a significant positive effect on marketing strategy (0.387, p<0.01), and marketing strategy had a significant positive effect on service quality (0.561, p<0.01). Marketing strategies are proven to be a partial mediation both in the relationship between promotion and service quality (VAF = 38.7%) and customer interest in service quality (VAF = 42.3%). Research conclusion: Improving the quality of BMT NU Blora Multipurpose Credit services can be achieved through a marketing competency-based position promotion system and the use of customer interests as the basis for adaptive marketing strategies. Practical recommendations include post-promotion marketing training and periodic surveys of customer interest for targeted strategies
Copyright (c) 2025 Salma Khoirunnisaa' Arribaat (Author) https://creativecommons.org/licenses/by/4.0
Determinansi Kinerja Guru: Sintesis Literatur Terhadap Variabel Kompensasi, Loyalitas, dan Faktor Psikologis Kerja
Teacher performance determination remains a central issue in improving the quality of national education, yet there is still a gap between enhanced compensation policies and actual teacher loyalty and performance in schools. This study aims to synthesize the literature on teacher performance determinants from the perspectives of compensation, loyalty, and work psychological factors through a systematic literature review with a thematic synthesis approach. Data were drawn from 35 scientific articles published in SINTA‑accredited national journals and reputable international journals from 2020 to 2026, accessed via Google Scholar, SINTA, DOAJ, Scopus, and Crossref, following the PRISMA protocol for article selection. Data analysis was conducted in three thematic synthesis stages: free coding, descriptive theme organization, and analytical theme development. The results highlight three main findings. First, compensation has a significant positive relationship with teacher loyalty, with an average correlation of <!-- [if gte msEquation 12]><m:oMath><m:r>r</m:r><m:r>=0.472</m:r></m:oMath><![endif]--> <span style="font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; position: relative; top: 3.0pt; mso-text-raise: -3.0pt; mso-ansi-language: EN-ID; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;"><!-- [if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="_x0000_i1025" type="#_x0000_t75" style='width:42pt; height:12.5pt'> <v:imagedata src="file:///C:/Users/IAIALM~1/AppData/Local/Temp/msohtmlclip1/01/clip_image001.png" o:title="" chromakey="white"/> </v:shape><![endif]--> , though the strength remains in the moderate range. Second, loyalty mediates the effect of compensation on teacher performance with an average effect of <!-- [if gte msEquation 12]><m:oMath><m:r>β</m:r><m:r>=0.401</m:r></m:oMath><![endif]--> <span style="font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; position: relative; top: 3.0pt; mso-text-raise: -3.0pt; mso-ansi-language: EN-ID; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;"><!-- [if gte vml 1]><v:shape id="_x0000_i1025" type="#_x0000_t75" style='width:43.5pt;height:12.5pt'> <v:imagedata src="file:///C:/Users/IAIALM~1/AppData/Local/Temp/msohtmlclip1/01/clip_image003.png" o:title="" chromakey="white"/> </v:shape><![endif]--> , but this mediation depends strongly on internal work motivation. Third, work psychological factors—especially self‑efficacy and work stress—show the strongest predictive effect on teacher performance, with an average correlation of <!-- [if gte msEquation 12]><m:oMath><m:r>r</m:r><m:r>=0.584</m:r></m:oMath><![endif]--> <span style="font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; position: relative; top: 3.0pt; mso-text-raise: -3.0pt; mso-ansi-language: EN-ID; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;"><!-- [if gte vml 1]><v:shape id="_x0000_i1025" type="#_x0000_t75" style='width:42pt;height:12.5pt'> <v:imagedata src="file:///C:/Users/IAIALM~1/AppData/Local/Temp/msohtmlclip1/01/clip_image005.png" o:title="" chromakey="white"/> </v:shape><![endif]--> , exceeding the direct influence of compensation. In conclusion, teacher performance is multidimensional and cannot be explained by economic variables alone; thus, policies to improve teacher welfare should be balanced with efforts to strengthen the psychosocial climate in schools.
Copyright (c) 2025 Sariman, Jauharul Manasik (Author) https://creativecommons.org/licenses/by/4.0
Revitalizing the Role of Women for the Effectiveness of Strategic Management of Sustainable Regional Development: Reconstruction of Gender Ideology in the Perspective of Islamic Law
The acceleration of sustainable regional development is often hampered by theological construction bias and managerial inefficiencies that limit the potential of women's human capital. This research aims to reconstruct gender ideology in the perspective of Islamic law and analyze strategies for revitalizing the role of women in regional development management. Using a qualitative approach with a socio-legal case study design, data was collected through in-depth interviews and focused discussions with key informants from elements of the management of KOPRI PMII, local government development planners (Bappeda), and Islamic law scholars/experts. The findings of the study reveal that there is an epistemological stagnation where the cadre curriculum is still dominated by domestic fiqh narratives that fail to legitimize women's public leadership. In addition, a significant capability gap was found between the high level of ideological militancy and the low technocratic competence in the digital era, which resulted in women's participation in development planning deliberations (Musrenbang) being trapped in the practice of tokenism or merely symbolic formalities. This study concludes that the effectiveness of regional strategic management demands the transformation of the women's movement from a textualist paradigm to a Mubadalah (mutuality) approach, accompanied by mastery of data-driven policy analysis to ensure substantive involvement in regional budget politics.
Copyright (c) 2025 Faiz Faricha, Abdul Halim (Author) https://creativecommons.org/licenses/by/4.0
Pengaruh Finger Print Terhadap Produktivitas Kinerja Karyawan Bank Syariah Indonesia (BSI) Bojonegoro
This study aims to examine the relationship between employee attendance rates and work productivity at BSI Bojonegoro, as well as to identify the underlying factors contributing to absenteeism and their impact on performance. A quantitative approach was employed, utilizing a survey method and simple linear regression analysis. Data were collected from 120 purposively selected respondents. The analysis revealed that the research instrument demonstrated high validity and reliability, with a Cronbach’s Alpha coefficient of 0.887. The key findings indicate a significant positive relationship between absenteeism and productivity, with a regression coefficient of 0.575 and a significance level of p < 0.05. The coefficient of determination (R²) was 45.4%, suggesting that nearly half of the variation in productivity can be explained by absenteeism levels. The primary causes of absenteeism were identified as health-related issues, family responsibilities, and dissatisfaction with the working environment. These findings provide valuable insights for company management in implementing preventive health programs, adopting flexible work policies, and enhancing both the physical and psychological aspects of the workplace to reduce absenteeism and boost productivity. Moreover, this study contributes to the advancement of human resource management literature, particularly in the area of managing attendance and productivity within the manufacturing industry context.
Copyright (c) 2025 Agnisa Widayanti (Author) https://creativecommons.org/licenses/by/4.0
Pemanfaatan Layanan Perbankan Digital dalam Meningkatkan Kepuasan Nasabah Studi Empiris pada BMT NU Barokah Blora Cabang Randublatung
This research uses a qualitative case study approach; data obtained through in-depth interviews and observations of customers and managers of BMT NU Barokah Blora Randublatung Branch. The main objective of the study was to evaluate the utilisation of mobile banking services in fulfilling customers' financial transaction needs, measuring the level of user satisfaction related to convenience, security, and speed of service. The results show that the mobile banking service has been effective, with a high level of user satisfaction especially in the aspects of ease of access and transaction security. In addition, the implementation of this service is in line with sharia values and supports the sustainability of the institution. However, there is still a need to improve digital literacy among customers to maximise service utilisation. This research makes an important contribution to the development of technology-based Islamic microfinance services.
Copyright (c) 2025 Mustain, M. Syaihul Anwari (Author) https://creativecommons.org/licenses/by/4.0
Analisis Kesesuaian Akad dalam Praktik Pembiayaan BMT terhadap Prinsip Hukum Islam
The growth of Baitul Maal wat Tamwil (BMT) as an Islamic microfinance institution in Indonesia shows the increasing needs of the community for financing that is in line with Islamic principles. Behind this progress, questions arise about the extent to which the contracts used are truly in accordance with Islamic law, both legally-formally and substantively. This study aims to analyse the suitability of contracts in financing practices in BMTs with the principles of Islamic law and identify the implementative obstacles faced. This study uses a qualitative approach with a normative-empirical method. Data were collected through in-depth interviews and observations of contract practices in several BMTs, with the main informants including financing managers, Sharia Supervisory Board, and customers. The results show that the most dominant type of contract is murabahah, followed by mudharabah, musyarakah, and ijarah. Although administratively they have been prepared in accordance with sharia guidelines, in practice there are discrepancies, especially in the implementation of murabaha, which has not fully fulfilled the principles of ownership and responsibility of goods. Profit-sharing agreements have also not been widely applied due to limited managerial capacity.
Copyright (c) 2025 Moh Ridwan Al Murtaqi (Author) https://creativecommons.org/licenses/by/4.0
Economic Empowerment of Islamic Boarding School Based on Ecoprotection
The purpose of this study was to determine and understand the economic empowerment based on ecoprotection and the implementation of the ecoprotection economic system at the Tahfidz Baitul Qur'an Al Askar Kendari Islamic Boarding School. This study uses a qualitative descriptive method using data collection techniques through interview methods, observation and documentation. Data analysis techniques use data reduction, data presentation and drawing conclusions collected by the author for the purpose of solving a problem or to answer research questions. The findings of this investigation show that the Tahfidz Baitul Quran Al Askar Kendari Pesantren has empowered the pesantren economy by creating several business units according to the needs of the students by implementing three types of economic empowerment patterns applied by the pesantren, namely economic efforts centered on kyai, economic efforts of the pesantren to strengthen operational costs and economic efforts for students. The implementation of the ecoprotection economic system in the business unit of the Tahfidz Baitul Quran AL Askar Kendari Pesantren by not allowing external institutions or communities outside the Pesantren to carry out economic activities in order to provide students with both religious instruction and entrepreneurship skills or knowledge, all business units inside the Pesantren are exclusively owned by the school and run by the students themselves. The Pesantren community's welfare and its own economy can both benefit from the installation of this ecoprotection system
Copyright (c) 2025 Lestari Daswan, Samsinar, Siti Nur Annisa Aulia, Indra Nola (Author) https://creativecommons.org/licenses/by/4.0
The Influence of Relationship Marketing and Mobile Banking Service Quality on Bank Syariah Indonesia Customer Loyalty Through Corporate Social Responsibility (CSR) as an Intervening Variable
This research aims to analyze the influence of Relationship Marketing and Mobile Banking service quality on Bank Syariah Indonesia customer loyalty through Corporate Social Responsibility. The methodology used in this research uses a quantitative approach with Nonprobability Sampling data collection techniques. The research results show that the Corporate Social Responsibility variable has no effect on Loyalty, Mobile Banking Service Quality has an effect on Corporate Social Responsibility, Mobile Banking Service Quality has an effect on Loyalty, Relationship Marketing has an effect on Corporate Social Responsibility, Relationship Marketing has an effect on Loyalty, Mobile Banking Service Quality has no effect influences loyalty through Corporate Social Responsibility, Relationship Marketing influences loyalty through Corporate Social Responsibility. This research only focuses on IMAPSI Sharia Banking students in the Yogyakarta region, therefore to produce comprehensive research for future researchers to expand the sample coverage to IMAPSI Sharia Banking students in the national region.
Copyright (c) 2025 Esti Musriana, Rifaatul Indana (Author) https://creativecommons.org/licenses/by/4.0
Efektivitas Layanan dan Administrasi dalam Optimalisasi Program Kredit Usaha Rakyat (KUR) untuk Pengembangan Usaha Masyarakat
Micro, Small and Medium Enterprises (MSMEs) play a crucial role in national economic growth, especially in creating jobs and improving people's welfare. To support their sustainability and development, access to financing is a major factor. Bank Rakyat Indonesia (BRI) through the Kredit Usaha Rakyat (KUR) program plays a role in channeling business capital to MSME players to increase their business capacity. This research aims to evaluate the effectiveness of services and administration in optimizing the KUR program, with a focus on its implementation at BTN Blora Branch Office. This research used a descriptive qualitative method, with data collection through direct observation, in-depth interviews, and documentation studies. The research informants consisted of banking staff who handle KUR services, loan recipients, and regulators who oversee business credit policies. The main objective of this study was to analyze how administrative services affect the effectiveness of the KUR program, as well as to identify challenges faced in the implementation of digital banking services. The results show that although BTN's administrative services are well established, there are still challenges in procedural efficiency and digital literacy among customers. The use of digital systems in KUR administration has contributed to the acceleration of services, but the lack of socialization has resulted in a low level of utilization of digital services. Thus, a more effective strategy is needed in optimizing digital administration and mentoring for customers to ensure maximum utilization of KUR in the development of MSMEs.
Copyright (c) 2024 Muhammad Wahyudin (Author) https://creativecommons.org/licenses/by/4.0
Peranan Pembiayaan Bank Syariah Dalam Meningkatkan Usaha Mikro Dan Menengah Studi Kasus BSI KCP Pati
Micro, Small and Medium Enterprises (MSMEs) play a strategic role in the Indonesian economy, especially in creating jobs and improving people's welfare. However, one of the main obstacles faced by MSMEs is access to capital. In this context, Islamic financing is a significant alternative for MSMEs to obtain financial support without having to rely on the interest-based conventional banking system. This study aims to analyse the role of Bank Syariah Indonesia (BSI) Pati Sub-Branch Office (KCP) financing in improving the sustainability and growth of MSMEs. This research uses a quantitative approach with a case study method. The data sources in this study include primary data obtained from interviews with MSME actors who received financing from BSI KCP Pati, as well as secondary data from BSI annual reports and related academic publications. The results showed that the majority of MSMEs experienced a significant increase in production capacity and income after obtaining Islamic financing. Financing schemes such as musyarakah and mudharabah provide more flexible and fair benefits for businesses compared to interest-based credit systems. In addition to the positive impact on business growth, this study also identifies several challenges in the application of Islamic financing, such as the lack of understanding of the Islamic financial system among businesses and the complex application procedures. Thus, education efforts and increased Islamic financial literacy for MSME players are needed so that the benefits of this financing can be accessed more widely and optimally. The results of this study are expected to contribute to the development of Islamic financial policies and increase the effectiveness of financing for MSMEs in Indonesia.
Copyright (c) 2024 Imam Fatoni (Author) https://creativecommons.org/licenses/by/4.0
Analisis Peran Promosi Terhadap Perkembangan Jumlah Nasabah Di Bank Syariah Indonesia Kc Bojonegoro
Growth in the number of customers is the main indicator of the success of the banking industry, including Islamic banking, which faces challenges in increasing competitiveness amid the dominance of conventional banking. An effective promotional strategy is one of the key factors in attracting new customers and maintaining the loyalty of existing customers. This study aims to analyse the effectiveness of the promotion mix in increasing the number of customers at PT Bank Syariah Indonesia KC Bojonegoro.This research uses a qualitative approach with a case study method. Data were collected through in-depth interviews with marketing managers and promotional staff, direct observation of promotional activities, and document analysis related to the number of customers and promotional costs. The results showed that PT Bank Syariah Indonesia KC Bojonegoro implemented several promotional strategies, namely advertising through print and digital media, personal selling involving marketers in providing education to prospective customers, sales promotion in the form of loyalty prizes, and publicity through news and social media. From the analysis of customer growth trends, it can be seen that the promotional strategies implemented succeeded in significantly increasing the number of customers, where there was an increase from 7 million customers in February to 19 million customers in August. In addition, the increase in promotional budget also contributed to the increase in the number of customers. This research confirms that the right combination of promotional strategies can increase the attractiveness and public trust in Islamic banking.
Copyright (c) 2024 Damar Septian (Author) https://creativecommons.org/licenses/by/4.0
Eksplorasi Perbandingan Manajemen Kurikulum Konvensional Dengan Kurikulum Merdeka
Education in Indonesia is undergoing a significant transformation with the introduction of Merdeka Curriculum which aims to increase flexibility and innovation in teaching. This study aims to compare conventional curriculum management with Merdeka Curriculum in the context of schools in Cepu, Central Java. This research uses a qualitative approach with the main data sources being in-depth interviews and observations. The research informants included teachers, principals, and students from schools that implemented both curricula. The purpose of this study was to explore the experiences, perceptions, and practices of stakeholders related to the implementation of the two curricula. The results showed that teachers in schools implementing Merdeka Curriculum reported increased flexibility in teaching and evaluation methods, as well as higher student motivation. In contrast, teachers in schools with the conventional curriculum felt limited by the rigid curriculum structure and complicated bureaucracy. Students in schools with Merdeka Curriculum also feel more motivated and involved in the learning process.
Copyright (c) 2024 Muhammad Husaini (Author) https://creativecommons.org/licenses/by/4.0
Optimalisasi Strategi Manajemen Berbasis Data Untuk Peningkatan Kualitas Pengajaran Sekolah Dasar
This study aims to examine the optimisation of data-driven management strategies in improving teaching quality in primary schools. In an educational context that is increasingly dependent on technology, the use of data to support educational decisions is crucial. This research adopts a qualitative approach using data triangulation techniques to ensure the validity of the findings. Data were obtained from in-depth interviews with principals, teachers and administrative staff in several primary schools, as well as direct observation of the data-driven learning process. The main objective of this study is to understand how data-driven management strategies can be implemented in primary schools and analyse the factors that influence the effectiveness of its use in improving teaching quality. The results show that although the implementation of data-driven management has positive impacts, such as improved lesson planning and better communication with parents, the main challenge lies in the limited technological infrastructure and the lack of training for teachers in data management. The research also confirms that the successful use of data is highly dependent on the quality of training provided to teachers and the provision of adequate infrastructure. Overall, this study suggests the need for strengthening technical capacity and policies that support data management in primary schools to achieve optimisation of the use of data-based management in improving teaching quality.
Copyright (c) 2024 Faiz Rahmawati (Author) https://creativecommons.org/licenses/by/4.0
Transformasi Manajemen SDM dalam Membangun Budaya Kerja Produktif
Transformation of Human Resources (HR) management is key to addressing the challenges of a productive work culture in organisations. Key strategies implemented include improving the recruitment system, developing training programmes and continuous learning, and implementing an effective performance management system. Training programmes not only enhance employee skills but also attract top talent, improve retention, and strengthen the culture of innovation within the organisation.In addition, building a productive work culture through transparent communication and team building activities has been shown to improve collaboration, morale and employee engagement. The implementation of reward and recognition programmes also plays a role in maintaining motivation and improving individual and team performance.While challenges such as resistance to change remain, effective communication approaches, management support, and employee engagement in the transformation process are key solutions. By implementing the right strategies, organisations can create a more dynamic, innovative and competitive work environment to achieve long-term sustainability.
Dinamika Pelatihan dan Motivasi dalam Meningkatkan Prestasi Kerja
In the era of globalisation and digitalisation, organisations are increasingly aware of the importance of training and motivation in improving employee performance. This study aims to explore the dynamics of training and motivation and their impact on employee performance. The type of research used is qualitative with a case study approach, which allows researchers to understand phenomena in depth through the perspective of participants. The main data sources in this research are in-depth interviews with employees and managers in several technology and local companies in Indonesia that have good training programmes and motivation strategies. The purpose of this study is to identify the key factors that influence the effectiveness of training and motivation in improving employee work performance and provide practical recommendations for companies in designing effective training programmes and motivation strategies.The results show that sustainable and structured training programmes and appropriate motivation strategies have a significant impact on improving employee skills, knowledge and work motivation. The combination of effective training and appropriate motivation is proven to provide a more significant increase in work performance compared to the application of one of these factors separately.
Copyright (c) 2024 Nur Ihda Muharom Asulthoni (Author) https://creativecommons.org/licenses/by/4.0
Analisis Peran Pemasaran Produk Syariah Dalam Mengoptimalkan Dana Pihak Ketiga Di Bank Syariah Indonesia Bojonegoro
This study aims to determine and describe (1) marketing of sharia products at Bank Syariah Indonesia KC Bojonegoro, (2) third party funds at Sharia Indonesia KC Bojonegoro, (3) The effect of sharia product marketing on increasing third party funds at Sharia Indonesia KC Bojonegoro. In this study, sharia product marketing is an independent variable, while increasing third party funds is the dependent variable. This type of research uses quantitative research methods. While the data collection method uses interviews, documentation and questionnaires. Based on the results of data analysis, the results obtained that (1) marketing of sharia products at Bank Syariah Indonesia KC Bojonegoro is classified as very good, this is indicated by an average of 46.8 with an answer percentage value of 85%, where this value is between 81%-100% so it can be concluded that marketing of sharia products at Bank Syariah Indonesia KC Bojonegoro is very good, (2) third party funds at Sharia Indonesia KC Bojonegoro are very good, this is indicated by an average of 25,9 with an answer percentage value of 86% where this value is between 81%-100% so that it can be concluded that the marketing of Islamic products at Bank Syariah Indonesia KC Bojonegoro is very good, (3) The effect of marketing Islamic products on increasing third party funds at Sharia Indonesia KC Bojonegoro has a positive effect, this is indicated by the results of hypothesis testing that the value of tc> ttable or 3.299. t table or 3.299> 2.002 with a significance value < 5% significance level or 0.002 < 0.05, H0 is rejected and Ha is accepted, which means that there is a significant influence between marketing sharia products on increasing third party funds..
Strategi Manajemen Risiko Keuangan Dalam Industri Kreatif: Perspektif Pelaku Usaha Berbasis Kearifan Lokal
Creative industries based on local wisdom have a strategic role in the national economy, especially in creating jobs and increasing the competitiveness of local products. However, economic uncertainty, fluctuations in raw material prices, and limited access to capital are the main challenges in the financial management of business actors in this sector. Therefore, this study aims to analyse the financial risk management strategies implemented by local wisdom-based creative MSMEs to improve their business resilience. This research uses a qualitative approach with a case study method. Data were obtained through in-depth interviews and observations of MSME actors in the creative industry who rely on local resources. Data were analysed using thematic techniques to identify patterns of strategies applied in dealing with financial risks. The results show that MSME actors adopt various risk mitigation strategies, such as product diversification, utilisation of digital technology for marketing and financial transactions, and optimisation of local raw materials that are more stable and affordable. In addition, social capital such as community networks and gotong royong have been shown to play a role in enhancing business resilience. This study also highlights the importance of government policy support, including tax incentives and access to fintech-based capital, although there are still obstacles in its implementation.
Dinamika Keputusan Investasi UMKM di Tengah Ketidakpastian Ekonomi: Studi Kualitatif pada Sektor Kuliner
Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the Indonesian economy, especially in the culinary sector, which is experiencing rapid growth. However, the dynamics of economic uncertainty due to the global crisis, inflation, and changes in macroeconomic policies pose great challenges in making investment decisions for MSME players. This study aims to analyse the factors that influence investment decisions of MSMEs in the culinary sector in the face of economic uncertainty. This research uses a qualitative approach with a case study method on several culinary MSMEs in Indonesia. Data were collected through in-depth interviews with business owners and direct observation, then analysed using thematic analysis techniques. The results show that MSMEs' investment decisions are influenced by internal factors, such as capital, business strategy, and managerial skills, as well as external factors, such as government policies, market conditions, and access to digital technology. In situations of economic uncertainty, MSMEs tend to implement more flexible investment strategies, such as product diversification, cost efficiency, and marketing digitalisation. This research enriches the literature on MSME investment by highlighting the importance of business strategy adaptation in the face of economic uncertainty. The results also provide recommendations for the government and stakeholders to design policies that support the sustainability of MSMEs in the culinary sector.
Copyright (c) 2024 Nurul Ahillatun Nadifah (Author) https://creativecommons.org/licenses/by/4.0