Jurnal Manajemen DIVERSIFIKASI

Pengaruh Literasi Keuangan, Pendidikan Keuangan di Keluarga, Teman Sebaya dan Kontrol Diri terhadap Manajemen Keuangan Pribadi pada Siswa SMAN 02 Tanggul

2026-09-06T15:58:31+07:00

This research aims to determine the influence of financial literacy, financial education in the family, peers and self-control on personal financial management among students at SMAN 02 Tanggul. The participants in this study were SMA Negeri 02 Tanggul pupils. Purposive sampling is a method for identifying and taking specific factors into account. The population is 1,048 SMAN 02 Tanggul data points. The number of samples was calculated using the Slovin algorithm, which indicates that 290 students should be the minimum sample size. SPPS was used to handle the data in multiple linear regression analysis. Based on the results of the discussion of the four independent variables observed, only Peer Friends (ITS) did not have a significant influence on personal financial management (IMK) in SMAN 02 Tanggul students, while the other variables were Financial Literacy (ILK), Financial Education in the Family (IPKD ), and Self-Control (IKD) have a significant influence on IMK.

Pengaruh Diversifikasi Produk, Kualitas Produk, Dan Harga Terhadap Kepuasan Pelanggan

2026-09-06T15:58:04+07:00

The business sector is rapidly expanding alongside increasing human needs, leading to the emergence of many new ventures striving to anticipate spikes in consumer demand. To confront the competition from these numerous businesses, companies must succeed in the competition to advance by developing and providing products or services that can satisfy consumer needs. This research aims to analyze the influence of product diversification, product quality, and price on consumer satisfaction at the Specialgift Punggur flower bouquet store. The method used is quantitative research. The population of this study consists of consumers who have purchased products from the Specialgift Punggur flower bouquet store. A sample of 96 people was selected using the Purposive Sampling method, which is a type of Non-Probability Sampling. Data were collected through observation, questionnaires, and library research. Data analysis used instrument requirement tests, namely validity and reliability tests. Analysis of the data included tests for normality, linearity, multicollinearity, and heteroskedasticity. Hypothesis testing utilized multiple linear regression analysis, Partial Test (T Test), Simultaneous Test (F Test), and Coefficient of Determination R2 Test with the assistance of SPSS 26 data processing software. The research findings prove that: 1) Product diversification has a positive and significant impact on consumer satisfaction. 2) Product quality has a positive and significant impact on consumer satisfaction. 3) Price has a positive and significant impact on consumer satisfaction.

Pengaruh E-Commerce Dan Media Sosial Terhadap Keputusan Pembelian

2026-09-06T15:57:41+07:00

To be able to develop, a company must go through struggle and be supported by good and mature management in facing various problems and obstacles that exist in the business world. The emergence of very tight competition causes businesses to compete with each other to face competition and gain competitive advantage. To face this era of increasingly fierce industrial competition, good marketing strategies are needed to run entrepreneurship effectively and efficiently. Therefore, an entrepreneur must carry out a strategy to be able to compete with other entrepreneurs. Purchasing decisions depend on where consumers know and get information about the products offered. Judging from the era where technology has become commonplace among society, one strategy in marketing products is through online media, this concerns e-commerce and social media. This research aims to find out whether e-commerce influences purchasing decisions for Kopi Susu Baper in Metro City. To find out whether social media influences purchasing decisions for Baper Milk Coffee in Metro City. To find out whether e-commerce and social media influence purchasing decisions for Baper Milk Coffee in Metro City. The research sample consisted of 70 respondents. Data collection techniques use observation, interviews and questionnaires. Data analysis uses validity tests, reliability tests, normality tests, linearity tests, homogeneity tests, multiple regression analysis, partial tests (T), joint tests (F) and coefficient of determination (R2) using the program (SPSS). The results of this research show that there is a positive and significant influence of e-commerce on purchasing decisions. On the positive and significant influence of social media on purchasing decisions. There is a positive and significant influence of e-commerce and social media on purchasing decisions.

Analisis Pengelolaan Anggaran Pendapatan Dan Belanja Desa (APDDes)

2026-09-06T15:57:15+07:00

This research aims to determine the planning, implementation and accountability process for

the Revenue and Expenditure Budget in Sukacari Village, Betanghari Nuban District, East

Lampung Regency. This research is a qualitative descriptive study using primary and

secondary data, where the primary data is in the form of direct observations and interviews

related to the planning, implementation and accountability of the 2022 Sukacari Village

Revenue and Expenditure Budget. Meanwhile, secondary data is in the form of data

documentation related to the financial reports of Sukacari Village for 2022 2022. This

research uses data analysis techniques by collecting, reducing, presenting and drawing

conclusions in accordance with research indicators, namely Internal Affairs Regulation

Number 20 of 2018 concerning village financial management. The results of this research

show that the planning, implementation and accountability processes in the Sukacari Village

Government are generally in accordance with Minister of Home Affairs Regulation Number

20 of 2018, and prioritize the principles of transparency and accountability. In planning, all

procedures are followed involving community participation, although this participation is not

always active. In implementation, the village development program is carried out with the

principles of self-management and openness. At the accountability stage, the annual report is

submitted according to requirements and deadlines. However, the use of village websites as a

medium for openness and accountability is still not carried out optimally.

Peran Lingkungan Kerja dan Budaya Organisasi dalam Mengoptimalkan Kinerka Karyawan Melalui Motivasi Sebagai Variabel Intervening

2026-09-06T15:56:51+07:00

Employee performance is one of the determining factors for whether the company will

improve or not. Employee performance also greatly influences the company in creating good

work results, with good employee performance the company will get satisfactory results or in

accordance with the targets set by the company. So good performance will have a very good

impact on the company. To determine the influence of the work environment on employee

performance. To find out organizational culture on employee performance. To find out the

work environment on motivation. To find out organizational culture on motivation. To find

out the influence of motivation on employee performance. The sample for this research is all

employees at CV. Afza Jaya Mandiri, totaling 58 people. Data collection used questionnaires

and literature studies, and data analysis used validity tests, reliability tests, normality tests,

linearity tests, homogeneity tests, and multiple linear regression analysis using the program

(SPSS). The research results show that the role of the work environment has a positive and

significant effect on employee performance at CV. Afza Jaya Mandiri, Organizational

Culture has a positive and significant effect on Employee Performance at CV. Afza Jaya

Mandiri, the role of the work environment has a positive and significant effect on motivation

at CV. Afza Jaya Mandiri, Organizational Culture has a positive and significant effect on

Motivation at CV. Afza Jaya Mandiri, The Role of the Work Environment, Organizational

Culture and Motivation have a positive and significant influence on Employee Performance

at CV. Afza Jaya Mandiri.

Pengaruh Strategi Promosi Dan Kebijakan Harga Terhadap Tingkat Kepuasan Jamaah Umrah

2026-09-06T15:56:11+07:00

The company strives to carry out continuous promotions through social media and offers cheap

prices for Umrah packages in the hope of getting more customers and increasing pilgrim

satisfaction. Congregation satisfaction is a feeling of pleasure or disappointment that arises

after comparing the performance (results) of the product in mind against the expected

performance (or results). Consumer satisfaction with a service company is defined as a

situation where consumer expectations for a service are in accordance with the reality received

about the services provided to consumers. This research aims to find out whether promotional

strategies have an effect on the satisfaction of Umrah pilgrims. To find out whether the price

policy affects the satisfaction of Umrah pilgrims. To find out whether promotional strategies

and pricing policies affect the satisfaction of Umrah pilgrims. The sample for this research

was 55 consumers of PT. Aripras Tunggal Putra Group. Data collection uses observation,

interviews, documentation and questionnaires. And data analysis uses validity test, reliability

test, normality test, linearity test, homogeneity test, multiple regression analysis, T test, F test,

and coefficient of determination test (R2) using the program (SPSS). The research results show

that there is a positive and significant influence of promotional strategies on the satisfaction

of Umrah pilgrims. There is a positive and significant influence of pricing policy on the

satisfaction of Umrah pilgrims. There is a positive and significant influence of promotional

strategies and pricing policies on the satisfaction of Umrah pilgrims.

Pengaruh Penggunaan Platform E-Commerce Terhadap Peningkatan Pendapatan Usaha Mikro Kecil Dan Menengah

2026-09-06T15:55:44+07:00

This study analyzes the effect of e-commerce platform usage on the income improvement of

ornamental plant MSMEs in Pekalongan District, East Lampung Regency. Increased digital

technology and e-commerce offer significant opportunities for MSMEs. The main problem is

e-commerce's contribution to ornamental plant MSME income.

A quantitative associative method was employed, with a sample of 20 ornamental plant

MSME respondents in Pekalongan District via simple random sampling. Likert scale

questionnaire instruments were tested for validity and reliability. Data analysis included

classical assumption, normality, linearity, simple regression, and t-tests. Results show e-

commerce usage positively and significantly impacts ornamental plant MSME income

improvement ($t_{count} > t_{table}$ and significance $< 0.05$). It is concluded that

optimizing e-commerce increases MSME income. This study aims to be a reference for

MSMEs and local governments in business digitalization.

Penerapan Manajemen Operasional sebagai Strategi Peningkatan Daya Saing UMKM

2026-09-06T15:55:13+07:00

Abstrak

UMKM (Usaha Mikro, Kecil, dan Menengah) memegang peranan krusial dalam menopang perekonomian nasional, akan tetapi kerap dihadapkan pada kendala dalam memperkuat daya saing di tengah tekanan kompetisi global yang kian intensif. Studi ini dirancang untuk menelaah bagaimana penerapan manajemen operasional dapat dijadikan strategi guna mendongkrak daya saing UMKM di Kota Surabaya. Penelitian menggunakan rancangan deskriptif kualitatif berbasis studi kasus yang melibatkan 30 UMKM di sektor makanan dan minuman. Pengumpulan data dilakukan melalui serangkaian wawancara mendalam, pengamatan lapangan, serta penelusuran dokumen, yang selanjutnya diolah menggunakan model analisis Miles dan Huberman. Penelitian menemukan bahwa implementasi manajemen operasional—yang meliputi perencanaan kapasitas, pengawasan mutu, pengelolaan rantai pasok, dan optimalisasi proses produksi—memberikan kontribusi nyata terhadap naiknya produktivitas dan daya saing UMKM. UMKM yang mengimplementasikan manajemen operasional secara terencana berhasil menekan pemborosan hingga 25%, mendorong kepuasan pelanggan sebesar 30%, dan meluaskan jangkauan pasar rata-rata 20% dalam kurun dua tahun. Studi ini menegaskan bahwa manajemen operasional bukan semata instrumen teknis, melainkan sebuah strategi menyeluruh yang harus dipadukan dalam sistem pengelolaan UMKM agar mampu merespons perubahan lanskap pasar secara adaptif.

Abstract

Micro, Small, and Medium Enterprises (MSMEs) occupy a pivotal position in sustaining the national economy, yet they consistently encounter obstacles in strengthening their competitive standing amid ever-intensifying global market pressures. This research is designed to examine how the adoption of operational management can serve as a strategic lever for enhancing MSME competitiveness in Surabaya. The study employs a descriptive qualitative approach grounded in case study design, encompassing 30 MSMEs operating in the food and beverage sector. Data were gathered through in-depth interviews, direct field observation, and documentary review, subsequently analyzed using the Miles and Huberman analytical framework. Results reveal that the adoption of operational management—spanning capacity planning, quality assurance, supply chain governance, and production efficiency optimization—meaningfully elevates both MSME productivity and competitiveness. MSMEs that implement operational management in a structured and deliberate manner achieved a 25% reduction in waste, a 30% gain in customer satisfaction, and an average 20% expansion in market share over a two-year period. The study asserts that operational management extends far beyond a technical instrument; it constitutes a holistic strategy that must be embedded within MSME management frameworks to enable adaptive responses to continuously shifting market conditions.

Pengaruh Pendidikan Kewirausahaan Terhadap Minat Berwirausaha Dengan Menggunakan Financial Technology Sebagai Variabel Mooderasi

2026-09-06T15:54:46+07:00

In this modern era, technological developments are very rapid. Entering the industrial revolution 4.0, digital technology has become one of the main capital needed by entrepreneurs to develop their businesses. One of the current applications of the digital economy in Indonesia is the use of financial technology. This research aims to determine whether entrepreneurship education has a direct effect on FEB students' interest in entrepreneurship. To determine the role of entrepreneurship education on interest in entrepreneurship with financial technology as a moderating variable. The sample in this research was 70 FEB Muhammadiyah Metro University students. Data collection used a questionnaire and data analysis using Validity Test, Reliability Test, Normality Test, Linearity Test, Homogeneity Test, Moderated Regression Analysis, T Test and Determination Coefficient Test (R2) using the program (SPSS). The results in this study show that there is a positive and significant influence of Entrepreneurship Education on Interest in Entrepreneurship, there is a positive and significant influence of entrepreneurship education on interest in entrepreneurship with financial technology as a moderating variable.

Pengaruh Good Corporate Governance Terhadap Kinerja Keuangan Pada Perusahaan Perbankan

2026-09-06T15:54:15+07:00

Good Corporate Governance is a concept that emphasizes the importance of shareholders' rights to obtain correct, accurate and timely information. Based on a survey by the Indonesian Banking Development Institute (LPPI), it shows that the implementation of GCG in banking appears to be starting to slacken when there is a rise in fund fraud or illegal practices that have hit banks. However, there are still many banking companies that have not implemented Good Corporate Governance properly. Because there are still many companies with different interests, it is possible for obstacles to occur. The implementation of Good Corporate Governance is considered to be able to improve the bad image of banking, protect the interests of stakeholders and increase compliance with applicable laws and regulations and general ethics in the banking industry in order to create a healthy banking system. The implementation of Good Corporate Governance is the right solution and answer to get out of the economic crisis that is currently hitting Indonesia. This research aims to find out whether the board of commissioners has a partial influence on financial performance as the dependent variable of banking companies listed on the Indonesia Stock Exchange for the 2020-2022 period. To find out whether the board of directors has a partial influence on financial performance as the dependent variable of banking companies listed on the Indonesia Stock Exchange for the 2020-2022 period. To find out whether the audit committee has a partial effect on financial performance as the dependent variable of banking companies listed on the Indonesia Stock Exchange for the 2020-2022 period. To find out whether institutional ownership has a partial effect on financial performance as the dependent variable of banking companies listed on the Indonesia Stock Exchange for the 2020-2022 period. To find out whether managerial ownership has a partial effect on financial performance as the dependent variable of banking companies listed on the Indonesia Stock Exchange for the 2020-2022 period. To find out whether the board of directors, board of directors, audit committee, institutional ownership and managerial ownership simultaneously influence financial performance as the dependent variable of banking companies listed on the Indonesia Stock Exchange for the 2020-2022 period. The sample in this research was 32 banking companies listed on the Indonesia Stock Exchange using the Simple Random Sampling Technique. Data collection uses secondary data obtained from financial reports of banking companies listed on the Indonesia Stock Exchange during 2020-2022 period. The financial performance used in this research uses ROA as a measure and as a variable. Data analysis uses Normality Test, Homogeneity Test, Linearity Test, Multiple Linear Regression Analysis, t Test, F Test and Coefficient of Determination (R2) using the program (SPSS). The results in this study show that the Board of Directors has a positive and significant influence on Financial Performance, the Board of Commissioners has no influence and is significant on Financial Performance, the Audit Committee has no influence and is significant on Financial Performance, there is no influence and significant Institutional Ownership on Financial Performance, there is no influence and significant Managerial Ownership of Financial Performance while Good Corporate Governance has a positive and significant effect on Financial Performance.

Pengaruh Harga, Fasilitas Dan Lokasi Terhadap Permintaan

2026-09-06T15:53:52+07:00

This study aims to determine and analyze the effect of price, facilities and location on residents' demand for Rusunawa Iringmulyo Metro City both partially and simultaneously. This research is quantitative research. The population in this study were residents who had settled in Rusunawa Iringmulyo Metro City, namely 108. The sampling technique in this study used purposive sampling technique and to calculate the number of samples using the Slovin formula, so that the number of samples in this study was 52. Data collection techniques using questionnaires, with data analysis using Validity Test, Reliability Test, Normality Test, Linearity Test, Homogeneity Test, Multiple Linear Analysis Test, Partial Test (T), Joint Test (F), R Determination Test, and Statistical Hypothesis Test. The results showed that partially price, facilities, and location, affect the demand of Iringmulyo Rusunawa residents of Metro City. Simultaneously, price, facilities, and location affect the demand for Iringmulyo Rusunawa residents of Metro City.

Pengaruh Promosi Dan Perilaku Konsumen Terhadap Keputusan Pembelian

2026-09-06T15:53:21+07:00

This research aims to examine the influence of promotions and consumer behavior on

purchasing decisions at the self-service Muhammadiyah Business Center (MBC) in Metro

City. This research is quantitative. In this study, the population was consumers who had

visited MBC Metro City, with a sample of 70 respondents. The sampling technique used was

accidental sampling, with the criteria being consumers who had previously purchased at

MBC Metro City and who were at least 17 years old. Primary data was obtained from

distributing questionnaires to 70 MBC consumers. Data collection techniques in this

research used questionnaires and documentation as well as multiple linear regression

analysis. The results of the research show that Promotion has a partial and significant

influence on Purchasing Decisions at the Muhammadiyah Business Center (MBC) in Metro

City, Consumer Behavior has a partial and significant influence on Purchasing Decisions at

the Muhammadiyah Business Center (MBC) in Metro City, and Promotion and Consumer

Behavior simultaneous and significant influence on purchasing decisions at the

Muhammadiyah Business Center (MBC) in Metro City.

Pengaruh Promosi Instagram Dan Word Of Mouth (WOM) Terhadap Keputusan Pembelian

2026-09-06T15:52:57+07:00

This research aims to determine the influence of promotions on social media Instagram Word

of Mouth on purchasing decisions in choosing ZYD Kitchen culinary delights. This type of

research is quantitative data analysis and this research uses descriptive analysis methods to

collect data in the field by taking samples from a population of 105 respondents among ZYD

Kitchen consumers. Test the analysis requirements using the normality test. Testing the

analytical model using an anlytical model using multiple regression models, T test, F test, and

coefficient of determination, and using statistical hypothesis testing. Based on the results of

research using multiple linear regression analysis with the T test, it was found that promotions

on Instagram social media and Word of Mouth had an influence to choose ZYD Kitchen

culinary delights. And the F test shows that promotions on social media, Instagram dan Word

of Mouth together have an influence on ZYD Kitchen culinary purchasing decisions.

Pengaruh Literasi Keuangan, Overconfidence Dan Motivasi Investasi Terhadap Minat Investasi

2026-09-06T15:52:26+07:00

The capital market is an important sector in the economy of a country like Indonesia. The development of the Indonesian economy is supported by several sectors, one of which is the capital market. This sector has two functions, namely as a source of funding for companies from investors and as an investment vehicle for investors in financial instruments (Rustiana, 2022).. 1) This study aims to determine whether the Financial Literacy variable affects investment interest? 2) Does the Overconfidence variable affect investment interest? 3) Does the Investment Motivation variable affect investment interest? 4) Do the Financial Literacy, Overconfidence and Investment Motivation variables together affect investment interest? The survey method was chosen as the primary data source. The survey method focuses on collecting data from respondents who have certain information, allowing researchers to solve problems. Data collection is carried out using a questionnaire or survey instrument. In this study, the population is consumers who use Telkom products. The sampling technique uses accidental sampling with a sample size of 196 people. The data collection technique uses a questionnaire with a Likert scale. The results of the study indicate that 1) there is a positive and significant influence between Overconfidence and investment interest. 2) there is a positive and significant influence between Financial Literacy and investment interest. 3) there is a positive and significant influence between Investment Motivation and investment interest. 4) there is a positive and significant influence between Financial Literacy, Overconfidence and Investment Motivation together on investment interest

Pengaruh Fasilitas Kerja Dan Lingkungan Kerja Terhadap Kinerja Karyawan Dengan Penerapan K3 (Kesehatan Dan Keselamatan Kerja)

2026-09-06T15:52:03+07:00

Good and satisfactory performance from employees is an achievement that must be achieved by a company because the better the performance obtained, it will also be beneficial for the development of the company. Usually, good performance is also encouraged by the existence of work facilities, a good work environment and also the level of implementation of K3 implemented in the company. Therefore, this study was conducted to determine the direct influence between work facilities, work environment, and the implementation of k3 on employee performance. The sample in this study is 50 people which is the total number of existing employees. The data collection used is by observation, interviews, questionnaires, literature, and documentation. while data analysis uses Validity Test, Reliability Test, Normality Test. Linearity Test, Homogeneity Test, and Path Analysis using the SPSS 25 program. The results of this study show that there is a positive and significant influence of Work Facilities on Employee Performance. There is a positive and significant influence of the Work Environment on Employee Performance. There is a positive and significant influence of the implementation of K3 on Employee Performance.

Analisis Strategi Pemasaran (Muamalat DIN) Digital Islamic Network dalam Meningkatkan Jumlah Nasabah Pada Bank Muamalat Indonesia KCP Metro

2026-09-06T15:51:34+07:00

The aim of this research is to analyze the marketing strategy (Muamalat DIN) of the Digital

Islamic Network at Bank Muamalat Indonesia KCP Metro through SWOT Analysis

techniques, observation, interviews, and documentation. Data were collected from 6 informants

to determine the weight and rating values related to the marketing strategy by analyzing internal

and external factors affecting Bank Muamalat Indonesia KCP Metro and to analyze internal

and external marketing strategies to enhance competitiveness in the market. The SWOT

Analysis technique resulted in 6 strengths, 3 weaknesses, 4 opportunities, and 4 threats. Based

on the Weight, Rating, and Score results with IFAS and EFAS, it is evident that the marketing

strategy is in quadrant I, indicating that the (Muamalat DIN) marketing strategy supports

growth oriented towards an aggressive strategy. This strategy aims to optimally utilize the

strengths of Bank Muamalat Indonesia KCP Metro, maximize available opportunities, known

as the SO strategy. It focuses on the (Muamalat DIN) marketing strategy by adopting an

aggressive approach utilizing Sharia advantages with Digitalization Trends, developing and

promoting digital sharia services to attract customers who prioritize compliance with Islamic

principles and are increasingly turning to digital services. By using advanced digital technology

to keep up with digitalization trends, Muamalat DIN can continuously develop and improve

digital services to follow the increasing trend of digitalization.

Pengaruh Kualitas Produk Dan Harga Terhadap Volume Penjualan Beras Premium Perum Bulog Kantor Cabang Metro

2026-09-06T15:51:12+07:00

This study aims to analyze the effect of product quality and price on sales volume at Perum

Bulog Metro Brach Offic, which is motivated by fluctuations in sales volume from April to

September 2025. This study uses a quantitative approach with an assosciative design and a

saturated sampling technique involving 30 RPK/Patner Store. Data were collected through

questionnaires that had been tested for validity and reliability and were analyzed using multiple

linier regression. The results of the study show that partially, the product quality variabel has

a significant effect on sales volume, and partially, the price variable does not have a significant

effect on sales volume. Additionally, the product quality and price variables simultaneously

effect sales volume. These findings indicate that performance, features, conformity with

specifications, and durability are important in increasing sales volume at Perum Bulog Metro

Branch Office.

Analisis Risk, Return, Dan Kinerja Investasi Pada Mata Uang Digital (Cryptocurrency) Periode Tahun 2021-2023

2026-09-06T15:50:46+07:00

The development of cryptocurrency investment has experienced rapid growth in recent years.

Cryptocurrency gained popularity due to their ease of use and high level of transparency,

which helped to reduce the risk of fraud. Cryptocurrency has been known as a form of digital

money that provides the ability to transact, invest, and exchange online. The purpose of this

study is to find out the difference between the level of risk, return and performance among

cryptocurrency assets. The research methods used are quantitative and comparative. The

results of this study show that Solana is the best investment instrument product during the

research period.

Pengaruh Kualitas Produk, Harga dan Kualitas Pelayanan Terhadap Loyalitas Pelanggan Pada Toko Femina dengan Kepuasan Pelanggan Sebagai Variabel Intervening

2026-09-06T15:50:20+07:00

This research is motivated by the fluctuations in sales at Toko Femina from 2019 to 2023.

The decline in sales is attributed to factors such as product quality, pricing, and service

quality. Therefore, this study aims to examine the influence of product quality, price, and

service quality on customer loyalty, with customer satisfaction as an intervening variable.

The research method used is quantitative with a correlational study design. The population

consists of customers of Toko Femina, and the sample size is 50 respondents selected through

purposive sampling. Data collection techniques include questionnaires and documentation.

Data analysis is conducted using multiple linear regression tests. The results of this research

show that: 1) In the product quality variable (X1) there is an influence between the product

quality variable (X1) on customer loyalty (Y) at Femina stores. 2) In the price variable (X2)

there is an influence between the price variable (X2) on customer loyalty (Y) at the Femina

store. 3) on the service quality variable (X3) there is an influence between the service quality

variable (X3) on customer loyalty (Y) at the Femina store. 4) The test results show that the

consumer satisfaction variable (Z) does not act as an interrupter between product quality

(X1), price (X2), and service quality (X3) on customer loyalty (Y).

Pengaruh Motivasi Dan Kompensasi Terhadap Kinerja Karyawan dengan Kepuasan Kerja Sebagai Variabel Mediasi di PT. BPRS Kotabumi (Perseroda)

2026-09-06T15:49:54+07:00

Employee performance is the ability and work results achieved by an employee interms of quality, quantity, timeliness, effectiveness as well as commitment and responsibility in accordance with company regulations. Achieving a company's goals is largely determined by its resources. Apart from that, employee performance is also influenced by several factors such as motivation and compensation. In this research there are still several obstacles related to motivation in working and providing compensation. Therefore, this research aims to find out whether motivation has a direct effect on employee performance, compensation has a direct effect on employee performance, and motivation and compensation have an indirect effect on employee performance through job satisfaction. The sample used in this research was 40 employees using a Likert scale with an analysis method, namely path analysis using the SPSS 26 program. This research indicates that motivation has a direct and significant impact on employee performance, compensation has a direct and significant impact on employee performance, motivation has a direct and significant impact on job satisfaction, compensation has a direct and significant impact on job satisfaction, and job satisfaction has a direct and significant impact on employee performance, motivation indirectly and significantly influences employee performance through job satisfaction, while compensation indirectly and significantly affects employee performance through job satisfaction.

Pengaruh Pelayanan dan Harga Terhadap Loyalitas Konsumen dengan Kepuasan Konsumen Sebagai Variabel Intervening (Studi Pada Konsumen Rumah Makan Lesehan Mulya Iringmulyo 15 A Kota Metro)

2026-09-06T15:49:30+07:00

This study aims to find out whether service has an effect on Consumer Satisfaction. To find out if Price affects Consumer Satisfaction. To find out whether the Service has an effect on Consumer Loyalty. To find out if Price affects Consumer Loyalty. To find out if Customer Satisfaction has an effect on Consumer Loyalty. To find out whether the Service affects Consumer Loyalty through Consumer Loyalty. To find out if Price affects Consumer Loyalty through Consumer Satisfaction. This study uses quantitative research. The sample in this study is 95 respondents who are consumers of Lesehan Mulya Restaurant. This data collection technique uses questionnaires, data analysis using Validity Test, Reliability Test, Normality Test, Linearity Test, T Test, R Test of Determination, Path Analysis and Statistical Hypothesis Test. Using SPSS version 29 program data processing. The results of the study show that Service has a direct effect on Consumer Satisfaction, Price has a direct effect on Consumer Satisfaction, Service has a direct effect on Consumer Loyalty, Price has a direct effect on Consumer Loyalty, Consumer Satisfaction has a direct effect on Consumer Loyalty, Service has an indirect effect on Consumer Loyalty through Consumer Satisfaction, Price has an indirect effect on Consumer Loyalty through Consumer Satisfaction.

Rio prabowo Pengaruh Budaya Organisasi, Motivasi dan Pelatihan Terhadap Kinerja Karyawan Dengan Kompensasi Sebagai Variabel Moderating (Studi Kasus Pada PT. Ada Digital Bersaudara Lampung Tengah

2026-09-06T15:49:01+07:00

The income at PT Ada Digital Bersaudara is not fixed or uncertain and the sales target has not been achieved in one year. This problem is important to examine so that the decline in sales does not occur continuously. To find the cause of the problem of decreasing income, researchers linked it to employee performance, whether employee performance was in line with PT Ada Digital Bersaudara' expectations so that income did not experience a continuous decline. This research aims to find out whether Organizational Culture, Motivation, Job Training influences employee performance and to find out whether Organizational Culture, Motivation, Job Training influences employee performance with Compensation as a moderating variable. This research uses a quantitative approach. The population in this research is 53 employees at PT Ada Digital Bersaudara. The sampling technique used in this research was the saturated sample method, obtained by the author at PT Ada Digital Bersaudara, there were 53 employees. The data collection technique used was using interviews, documentation and questionnaires. Data analysis used includes validity test, reliability test, normality test, linearity test, homogeneity test, Multiple Regression Analysis and Interaction Test (Moderated Regression Analysis/ MRA) with the help of the SPSS version 25.0 application. The results of this research can be concluded that Organizational Culture, Motivation and Job Training have a positive and significant effect on the performance of PT Ada Digital Bersaudara, Central Lampung employees. Organizational Culture, Motivation and Job Training have a positive and significant effect on employee performance with compensation as a moderating variable at PT Ada Digital Bersaudara, Central Lampung.

Pengaruh Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Dengan Moderasi Literasi Keuangan Pelaku Usaha Kecil di Bidang Ekonomi Kreatif (Studi Kasus di Umkm Kota Metro)

2026-09-06T15:48:31+07:00

This research aims to find out whether financial attitudes influence the financial management

behavior of small business actors in the creative economy sector in metro cities. To find out

whether Financial Literacy moderates the relationship between the influence of Financial

Attitudes on Financial Management Behavior among Small Business Actors in the Creative

Economy Sector in Metro City. This type of research is quantitative. The instrument used in

this research is a questionnaire which will be filled out directly by respondents to the survey

of small business actors in Metro City. The population used in this research is small business

actors in the creative economy sector in Metro City. In this study, the population was not

greater than 100 respondents, so the sample taken was 100% of the existing population,

namely 37 respondents. Data analysis was carried out using validity tests, reliability tests,

normality tests, linearity tests, homogeneity tests, and Moderated Regression Analysis (MRA)

tests. After conducting the research, a conclusion can be drawn, namely that based on the

results of the tests carried out, it shows that Financial Attitude has a positive and significant

effect on Financial Management Behavior among Small Business Actors in the Creative

Economy Sector in Metro City. Based on the results of the tests carried out, it shows that

Financial Literacy moderates the positive and significant relationship between Financial

Attitudes and Financial Management Behavior among Small Business Actors in the Creative

Economy Sector in Metro Cities.

Pengaruh Harga dan Kualitas Produk Terhadap Loyalitas Mitra dengan Citra Merek Sebagai Variabel Intervening Pada UMKM Mulia Roastery Di Kota Metro

2026-09-06T15:48:07+07:00

The aim of this research is to determine whether there is an influence of price and product quality on partner loyalty with brand image as an intervening variable at Umkm Mulia Roastery. The coffee business is a business that can grow rapidly and compete with competitors if it is run with guidelines on price, product quality and brand image. This product creates loyalty to Umkm Mulia Roastery. This research uses quantitative research, the sample in this research is 30 partners. Data collection techniques use questionnaires, with data analysis using Validity Test, Reliability Test, Normality Test, Linearity Test, Homogeneity Test, and Path Analysis Test. By using the data processing program SPSS version 22. The research results show that Product Price and Quality through Brand Image are Intervening Variables for Partner Loyalty at Umkm Mulia Roastery

Pengaruh Gamification Terhadap Loyalitas Pelanggan dengan Keterlibatan Pelanggan Sebagai Variabel Intervening Pada Pengguna Aplikasi Tokopedia (Studi Pada Mahasiswa FEB 2020 Universitas Muhammadiyah Metro)

2026-09-06T15:47:44+07:00

The purpose of this study is to determine whether gamification has a direct effect on loyalty, to

determine whether gamification has a direct effect on customer engagement, to determine

whether customer engagement has a direct effect on loyalty. This study uses quantitative

research, the population in this study were FEB students of Muhammadiyah Metro University

Class of 2020 using the Slovin formula, a sample of 76 students was obtained. The data

collection technique used a questionnaire, with data analysis using Validity Test, Reliability

Test, Normality Test, Homogeneity Test, Path Analysis. The results of this study indicate that

gamification has a direct effect on customer loyalty in the Tokopedia application, gamification

has a direct effect on customer engagement in the Tokopedia application, customer

engagement has a direct effect on customer loyalty in the Tokopedia application.

Analisis Pengelolaan Keuangan Dana Desa Terhadap Peningkatan Pembangunan Sumber Daya Desa Kauman Kotagajah Kabupaten Lampung Tengah

2026-09-06T15:47:21+07:00

This research aims to find out whether Village Fund Management has been implemented

effectively in improving resource development in Kauman Village, Kota Gajah District. The

type of research used is descriptive qualitative research. This research analyzes data by

describing or describing the collected data as a question with the aim of making conclusions

that apply to the general public and generalizing using analysis. The instruments used in this

research were interviews and observations. The research results show that village fund

management has been implemented quite effectively in increasing village resource

development. The effectiveness of the management of the Kauman Village Fund, Kota Gajah

District, Central Lampung Regency in the physical development of Kauman Village, Gajah

City District, Central Lampung Regency, has been quite effective or felt directly by the

community so that it can improve community welfare.

Pengaruh Kualitas Pelayanan dan Program P2TL Terhadap Produktivitas Kerja di ULP PLN Sukadana

2026-09-07T15:46:53+07:00

The purpose of this research is to find out the quality of service of PLN ULP Sukadana perceived by the community to affect work productivity, to find out the success of the P2TL program affects work productivity, and to find out the quality of service and the P2TL program affects work productivity. This study uses quantitative research methods with sampling techniques in the form of accidental sampling, a measurement scale with a Likert scale, with data collection techniques in the form of observation, interviews, documentation, and questionnaires. Data analysis techniques in the form of instrument requirements testing and analysis requirements testing. Hypothesis testing uses multiple linear regression analysis models, partial tests, simultaneous tests, and the coefficient of determination so that a statistical hypothesis is obtained. The results showed that the quality of service carried out by ULP PLN Sukadana had a significant effect on work productivity, the P2TL program had a significant effect on work productivity, and the quality of service and P2TL had a positive effect together on work productivity.

Tujuan dari penelitian ini untuk mengetahui kualitas pelayanan PLN ULP Sukadana dirasakan masyarakat berpengaruh terhadap produktivitas kerja, untuk mengetahui keberhasilan program P2TL berpengaruh terhadap produktivitas kerja, dan untuk mengetahui kualitas pelayanan dan program P2TL berpengaruh terhadap produktivitas kerja. Penelitian ini menggunakan metode penelitian kuantitatif dengan teknik sampling berupa accidental sampling, skala pengukuran dengan skala likert, dengan teknik pengumpulan data berupa observasi, wawancara, dokumentasi, dan kuesioner. Teknik analisis data berupa pengujian persyaratan instrumen dan pengujian persyaratan analisis. Pengujian hipotesis menggunakan model analisis regresi linear berganda, uji parsial, uji simultan, dan koefisien determinasi sehingga didapatkan hipotesis statistik. Hasil penelitian menunjukkan kualitas pelayanan yang dilakukan ULP PLN Sukadana berpengaruh dan signifikan terhadap produktivitas kerja, program P2TL berpengaruh dan signifikan terhadap produktivitas kerja, dan kualitas pelayanan dan P2TL berpengaruh positif secara bersama-sama terhadap produktivitas kerja.

Pengaruh Kompensasi dan Motivasi Kerja Terhadap Kinerja Karyawan Dengan Kepuasan Kerja Sebagai Variabel Intervening Pada Penggilingan Padi Rimbun Jaya, Kabupaten Lampung Tengah

2026-09-07T15:46:30+07:00

Every industry such as the Rimbun Jaya Rice Mill, Central Lampung Regency definitely

expects employees who have good abilities and performance. Employee performance is the

result of the efforts made by an employee in carrying out the duties or responsibilities of his

or her job. Employee performance also greatly influences the success of a company.

Achieving company goals is not only from technological factors but also from human

resource factors. This research aims to find out whether compensation has an effect on job

satisfaction. To find out whether work motivation influences job satisfaction. To find out

whether compensation affects employee performance. To find out whether work motivation

influences employee performance. To find out whether job satisfaction influences employee

performance. Based on the sampling technique used, namely purposive sampling at the

Rimbun Jaya Rice Mill, Central Lampung Regency, the number of samples used was 49

respondents. Data collection in this research used a questionnaire, while the analysis

technique in this research used path analysis. The results of this study show that (1)

compensation has a direct positive effect on job satisfaction. (2) work motivation has a direct

positive effect on job satisfaction. (3) compensation has a direct positive effect on employee

performance. (4) work motivation has a direct positive effect on employee performance. (5)

job satisfaction has a direct positive effect on employee performance.

Dampak Financial Technology Terhadap Kinerja Keuangan (Studi Kasus Sub Sektor Perbankan 2019-2022)

2026-09-07T15:46:08+07:00

In the current modern era, the development of science and technology in Indonesia is no longer something foreign to Indonesian people. The emergence of financial technology (fintech) has changed the way people use financial services. In Indonesia, the banking sector has become one of the sectors most affected by fintech developments. Various fintech platforms and applications have emerged, offering various services such as digital payments, online loans, peer-to-peer investments, and more. The type of research used in this research is quantitative research. The approach used in this research is a descriptive quantitative approach. The population used in this research is data collected based on a yearly period. So the population in this study are financial reports that have been published by Bank BRI, Mandiri, BCA, BNI and BTN 4 years before using financial technology and 4 years after using financial technology, namely in 2019-2022. To test the hypothesis that has been proposed, the researcher used the Paired Sample T-Test. From the results of the tests that have been carried out, it can be concluded that in the BOPO and ROA ratios of the five banks, only BTN bank has differences before and after using Fintech. Meanwhile, the NPL ratios of the five banks did not experience any differences from before or after adopting Fintech.

Perilaku Manajemen Keuangan Pedagang Perempuan di Pasar Kalisat Kabupaten Jember

2026-09-07T15:45:44+07:00

The phenomenon that occurs to female traders in the Kalisat market is financial knowledge where traders in the Kalisat market do not understand how to manage finances properly even though the proceeds from their sales are set aside to be saved every day. The researcher intends to measure the financial management behavior of female traders in the Kalisat market, Jember district by raising variables regarding financial management which refer to financial knowledge, income, financial attitude, personality and financial management behavior. The data obtained by distributing questionnaires through the Google Form. The population measurement was conducted by interviewing the head of the market management and the results obtained were 1,520 female traders. The sampling technique used the Slovin formula and the results obtained were 320 respondents with the criteria of being female, aged over 17 years and trading for more than 5 years. The method is a quantitative approach with multiple linear regression tests. The results of the study stated that the financial management behavior of female traders in the Kalisat market in Jember district was positively and significantly influenced by the variables of financial knowledge, income, financial attitudes, and personality.