SANTRIPRENEURSHIP: INTERNALIZING THE VALUES OF INDEPENDENCE IN THE DIGITAL ERA (CASE OF PONDOK PESANTREN IN MALANG RAYA)

This study aimed to reveal the process of internalizing the self-reliance values of santri in the digital era at pondok pesantren Malang Raya, East Java. The approach of this study was descriptive and qualitative. The data were collected through in-depth interviews and observations with the respondents consisting of three kiai, five board of pondok pesantren, three teachers, and eight students. The data analysis used a simultaneous stage model consisting of approach, extracting, deepening, matching, interpretation, and presentation. The results showed that the character values implanted were the values of independence, namely not depending on others and not oriented to the company/employee organization. The value cultivation system was carried out using the kiai's teachings through learning based on the available ulama books and practical assignments to assist trading businesses, product processing, and services in pondok pesantren's cooperative. Utilization and understanding of the use of internet technology is very appropriate in the context of reducing the character ordering morality. Keywords: digital era, obedience to kiai, santri, values of independenc

MSME Strategy the Impact of Financial Literacy,Self-Efficacy,and Financial Attitudes in improving MSME Business Performance in Indonesia

Indonesia is still said to be minimal for the process of managing business performance. It is proven that financial management is still inconsistent and even not according to plan. The purpose of this study looks at the strategies used by MSME actors to improve their business performance through the finance department by involving sharing factors that fall into the category of financial system management. Judging from the factors of financial literacy, self-efficacy and financial attitude. This type of research uses bibliometric analysis. The results of the analysis looked at many MSME strategies in the financial system, researchers found that there were factors that had not been widely associated with financial attitudes. It was found that the existence of a financial attitude on business performance can shape knowledge and foster self-confidence to be able to provide financial system plans both from the past and the future. With the understanding and adjustment of the situation, it makes the financial system efficient and stable

E-Government: Efektivitas Pelayanan Aplikasi Pegadaian Digital Service Syariah Di Pegadaian Cabang Malang

Di era teknologi seperti sekarang ini PT. Pegadaian Syariah selalu melakukan inovasi, yaitu sebagai solusi keuangan menghadirkan ragam produk dan layanan yang tidak hanya menyediakan kebutuhan nasabah akan dana, akan tetapi juga kenyamanan dan kecepatan pelayanan. PDSS adalah inovasi yang dibuat guna menghadapi serbuan financial technologi (fintech) yang makin merangsek ke masyarakat. Namun, seberapa efektifitas pelayanan publik aplikasi PDSS untuk peningkatan kualitas pelayanan terhadap kepuasan konsumen serta kualitas pelayanan nasabah dalam penggunaan aplikasi tersebut. jenis penelitian deskriptif dengan pendekatan kualitatif. Hasil Penelitian menunjukkan adanya sistem online yang diberikan oleh pegadaian dirasa cukup efektif untuk para nasabah yang ingin melakukan transaksi dimana saja. Namun, sistem pegadaian digital kurang berjalan dengan baik dikarenakan kurangnya sosialisasi dari pihak pegadaian terhadap sistem pelayanan yang baru yaitu pelayanan secara online yang bisa diakses dengan mudah, gratis dan di download melalui appstore maupun playstore. Dapat ditarik kesimpulan komparatif kualitas pelayanan pengguna aplikasi ini dan manual untuk kualitas pelayanan nasabah sama-sama puas dalam bertransaksi namun nasabah lebih memilih melakukan transaksi secara online karena cukup menghemat waktu

The Effect of KPRS Akad Selection on the Profitability of Bank Jatim Syari'ah Kediri Branch

One of the most productive financing products is KPR Syari'ah. The KPRS application at BJS Kediri uses two contracts, namely Murabahah and Musyarakah Mutanaqishah (MMQ). The difference in contracts causes different performance results for KPRS, especially in terms of profitability. Then, which contract has the potential to be more profitable for BJS Kediri? This research is a descriptive quantitative research. The sample is 28 from the performance and financial statements for the period 2016–2022. Data collection using documentation, observation and interview techniques. The data processing and analysis techniques used are the Coefficient of Determination Test and Moderated Regression Analysis (MRA) with the help of SPSS 29.0 Software for Window. The results showed that the contract that affects the profitability of BJS is MMQ, while the Murabahah contract. Then, NPF only moderated the effect of Murabahah on BJS Profitability and not on MMQ. Researchers concluded that the KPRS contract that is more profitable for BJS is MMQ, but it still requires more attention in several aspects such as promotion and recording system

Digital Disruption: Exploring the Dynamics of Marketing in the Digital Age

Abstrak Studi ini bertujuan untuk mengeksplorasi strategi yang dapat meningkatkan kinerja pemasaran pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia dalam menghadapi tantangan dan peluang di era digital. Dalam studi ini, fokus diberikan pada pemasaran yang terarah, kehadiran online, keterlibatan media sosial, pemasaran konten, strategi mobile, kolaborasi dengan influencer, dan pemantauan kinerja. Dengan menggali riset pasar, mengembangkan kehadiran online yang kuat, memanfaatkan platform media sosial, menghasilkan konten yang bernilai, menerapkan strategi pemasaran berbasis mobile, berkolaborasi dengan influencer, dan melakukan pemantauan kinerja secara berkala, UMKM dapat meningkatkan efektivitas pemasaran, meningkatkan visibilitas merek, dan mendorong pertumbuhan bisnis mereka di tengah persaingan yang ketat di ranah digital Indonesia. Studi ini memberikan panduan praktis bagi UMKM dalam memanfaatkan potensi pemasaran di era digital. Kata Kunci: Digital Disruption, Marketing Dynamics, Digital Age Abstract This study aims to explore strategies for improving marketing performance in Micro, Small, and Medium Enterprises (MSMEs) in Indonesia amidst the challenges and opportunities of the digital era. The study focuses on targeted marketing, online presence, social media engagement, content marketing, mobile strategies, influencer collaborations, and performance monitoring. By conducting market research, developing a strong online presence, leveraging social media platforms, creating valuable content, implementing mobile marketing strategies, collaborating with influencers, and regularly monitoring performance, MSMEs can enhance marketing effectiveness, increase brand visibility, and drive business growth in the competitive digital landscape of Indonesia. This study provides practical guidance for MSMEs to harness marketing potential in the digital era. Keywords: Disrupsi Digital, Dinamika Pemasaran, Era Digita

Digital Disruption: Exploring the Dynamics of Marketing in the Digital Age

Studi ini bertujuan untuk mengeksplorasi strategi yang dapat meningkatkan kinerja pemasaran pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia dalam menghadapi tantangan dan peluang di era digital. Dalam studi ini, fokus diberikan pada pemasaran yang terarah, kehadiran online, keterlibatan media sosial, pemasaran konten, strategi mobile, kolaborasi dengan influencer, dan pemantauan kinerja. Dengan menggali riset pasar, mengembangkan kehadiran online yang kuat, memanfaatkan platform media sosial, menghasilkan konten yang bernilai, menerapkan strategi pemasaran berbasis mobile, berkolaborasi dengan influencer, dan melakukan pemantauan kinerja secara berkala, UMKM dapat meningkatkan efektivitas pemasaran, meningkatkan visibilitas merek, dan mendorong pertumbuhan bisnis mereka di tengah persaingan yang ketat di ranah digital Indonesia. Studi ini memberikan panduan praktis bagi UMKM dalam memanfaatkan potensi pemasaran di era digital. Kata Kunci: Digital Disruption, Marketing Dynamics, Digital Age Abstract This study aims to explore strategies for improving marketing performance in Micro, Small, and Medium Enterprises (MSMEs) in Indonesia amidst the challenges and opportunities of the digital era. The study focuses on targeted marketing, online presence, social media engagement, content marketing, mobile strategies, influencer collaborations, and performance monitoring. By conducting market research, developing a strong online presence, leveraging social media platforms, creating valuable content, implementing mobile marketing strategies, collaborating with influencers, and regularly monitoring performance, MSMEs can enhance marketing effectiveness, increase brand visibility, and drive business growth in the competitive digital landscape of Indonesia. This study provides practical guidance for MSMEs to harness marketing potential in the digital era. Keywords: Disrupsi Digital, Dinamika Pemasaran, Era Digita

PARATE EKSEKUSI: IMPLEMENTASI EKSEKUSI JAMINAN FIDUSIA BERDASARKAN UNDANG-UNDANG NO. 42 TAHUN 1999 TENTANG JAMINAN FIDUSIA (EXECUTION PARATE: IMPLEMENTATION OF THE EXECUTION OF FIDUCIARY GUARANTEE BASED ON LAW NO. 42 YEAR 1999 ABOUT FIDUCIARY GUARANTEE)

Salah satu lembaga yang memberikan Kredit Fidusia Penjaminan melalui Program KREASI adalah PT. Pegadaian (Persero). Penelitian ini menjelaskan bagaimana Pelaksanaan Pelaksanaan Jaminan Fidusia dan sasaran dari Jaminan Fidusia serta Eksekusi dan upaya yang dilakukan PT.Pegadaian (Persero) dalam solusi pemenangan dalam pelaksanaan jaminan fidusia di Cabang PT.Pegadaian (Persero) Cabang Kota Malang menurut Pasal 30 Undang-Undang Nomor. 42 Tahun 1999 Tentang Fidusia. Penelitian ini menggunakan pendekatan yuridis sosiologis, sumber data primer dari hasil dan data sekunder dari dokumentasi dan perundang-undangan. Teknik dalam penelitian ini menggunakan observasi dan wawancara. Hasil Penelitian ini implementasi yang digunakan adalah teori efektifitas hukum menurut Soerjono Soekanto yang dianalisis melalui 4 faktor. Kendalanya program pencairan dana KREASI agak terlambat dikarenakan masih banyak pelanggan yang terlambat membayar cicilan, nasabh menolak untuk dilaksanakan, hal-hal yang tidak terpenuhi dari faktor hukum, badan hukum, masyarakat dan budaya faktor-faktor yang menjadi kendala adalah terjaminnya barang bergerak serta terjamin barangnya di waktu akan dieksekusi tidak ada tempat. upaya yang dilakukan oleh PT.Pegadaian (Persero) Cabang Kota Malang meningkatkan kinerja dari segi pengawasan barang menjadi lebih tegas agar nasabah lebih rajin mengaggsur kredit. Saran, peningkatan kualitas tenaga kerja lapangan, dan evaluasi kerja di bidang retribusi bulanan untuk memahami masalah apa yang muncul dalam biaya.One of the institutions that provide Fiduciary Guarantee Credit through the KREASI Program is PT. Pegadaian (Persero). This study explains how the Implementation of the Fiduciary Guarantee and the objectives of the Fiduciary Guarantee as well as the execution and efforts made by PT. Pegadaian (Persero) in winning solutions in the implementation of fiduciary guarantees at the Branch of PT. Pegadaian (Persero) Malang City Branch according to Article 30 of Law Number . 42 of 1999 concerning Fiduciary. This study uses a sociological juridical approach, primary data sources from results and secondary data from documentation and legislation. The technique in this study uses observation and interviews. The results of this study are the implementation of the theory of legal effectiveness according to Soerjono Soekanto which is analyzed through 4 factors. The problem with the KREASI fund disbursement program is that it is a bit late because there are still many customers who are late in paying their installments, customers refuse to implement it, things that are not fulfilled from legal factors, legal entities, society and culture. at time will be executed no place. efforts made by PT. Pegadaian (Persero) Malang City Branch to improve performance in terms of supervision of goods to be more assertive so that customers are more diligent in repaying loans. Suggestions, improving the quality of field workers, and evaluating work in the field of monthly retribution to understand what problems arise in costs

What Factors Influence a Firm Value? Optimistic Financial Performance

Company value is formed in various performance factors. In this study the capital structure, profitability, size and type of company are investigated in its role in building company value. The company that is the object of research is a food and beverage consumer goods company listed on the Indonesia Stock Exchange in 2015-2019. This research is a quantitative research. The research sample was 13 subsectors of food and beverage consumption goods listed on the Indonesia Stock Exchange. Regent analysis is used in gathering panel data in this study. There are several diverse research results, namely partially capital structure (DER), profitability (ROA) has a positive significant effect on company value (PBV). While the company's size has a negative effect on the company value (PBV) and company growth has no effect on the company's value (PBV). The implications of this study provide contributing to further research and are able to provide knowledge to company decision making related to efforts to increase company value.Keywords: firm size, price to book value, debt-equity ratio, return on assets, company growth

A The Rise Strategy Marketing Msmes: Transformation Digital Seabank as Branchless Banking in Indonesia

Purpose: The aim of this study is to examine Digital technology can be used to streamline business transactions, saving money and time. For example, if a company has branches in several cities, it is no longer a problem to transfer any transaction fields.   Theoretical framework:  There are challenges for MSMEs players who need to go digital, so they need to make adjustments to these problems.  This obstacle forces MSMEs actors to change their business model to a fully digital form.   Methodology: The research is the bibliometric. Data collection technique is to combine various research sources related to branchless banking as MSME empowerment and then narrow it down to find innovation. The subject of this research is MSMEs in Indonesia that use Seabank as a promotion method and transaction system. The analysis technique used is Vosviewer.   Findings: The results of this study are that Sea Bank is a banking service that prioritizes customer experience and business value to create a sales value chain to create connections between business models that will continue to grow. Then as a branchless banking-based digital bank. Sea Bank is a financial services company focused on customer experience and enterprise value to transform value chains and create links across business development models.   Research, Practical & Social implications: The is Bank Digital, Sea Bank is service banking Which prioritize experience customer And mark from business, so that can become chain mark For intertwine linkages between model business Which will Keep going develop. Then, as Bank Digital, Sea Bank is service finance Which focus on experience customer And mark company For transformed become value chains And create connection between model business Which develop.   Originality/value: The Value there are many studies that discuss digital transformation but we believe that the value of this research lies in the novelty of the awareness of MSMEs actors to increase its promotion by using the Brachless Banking Digital Bank, so that this topic can make it interesting