Master Manajemen
type: channel
description: Master Manajemen adalah jurnal yang ditujukan untuk publikasi artikel ilmiah yang diterbitkan oleh Universitas Nusa Nipa Maumere. Jurnal ini berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen. Topik dalam Jurnal ini berkaitan dengan aspek apapun dari manajemen, namun tidak terbatas pada topik berikut : Manajemen Sumberdaya Manusia , Manajemen Keuangan, Manajemen Pemasaran, Manajemen Sektor Publik, Manajemen Operasional, Manajemen Rantai Pasokan, Corporate Governance, Etika Bisnis, Akuntansi Manajemen dan Pasar Modal dan Investasi. Jurnal ini terbit 1 tahun 4 kali (Februari, Mei, Agustus dan November). Indexed by: Journal Sponsors and Partners:
publisher: Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa
language: en-US
publication name: Master Manajemen
issn: 3025-7441
items: Peran Kepemimpinan dan Motivasi terhadap Kinerja Karyawan
items: Evaluasi Program Kombel dalam Meningkatkan Kompetensi Guru di SD Inpres Naimata
items: Evaluasi Program Kegiatan Ibadah Bersama di SD Inpres Oesapa Menggunakan Model Cipp
items: Pengaruh Label Halal dan Brand Trust terhadap Keputusan Pembelian Masker Wajah Wardah Melalui Minat Beli
items: Efektivitas Implementasi Program Pilar Indobara untuk Peningkatan Kinerja SHE di PT Putra Perkasa Abadi Jobsite Borneo Indobara
items: Pengaruh Electronic Word of Mouth dan Customer Trust terhadap Keputusan Pembelian Air Minum Kemasan Merek Aqua di Kota Demak dengan Minat Beli Sebagai Variabel Intervening
items: Perbandingan Kinerja Keuangan Perusahaan Sebelum dan Sesudah Mengakuisisi PT Mulia Boga Raya Tbk pada PT Garuda Food Putra Putri Jaya Tbk Tahun 2018-2022
items: Pengaruh Pengembangan Karir terhadap Retensi Karyawan dengan Kepuasan Kerja sebagai Intervening Dinas PUPR Provinsi Jambi
items: Dampak Keberadaan Website Desa sebagai Layanan Publik dan Informasi Desa Ginolat Kecamatan Sianjur Mula-Mula Kabupaten Samosir
items: Analisis Risiko Operasional dan Penerapan Manajemen Risiko pada CV XYZ di Kota Pekanbaru
items: Pengaruh Citra Merek dan Kualitas Produk terhadap Minat Beli Produk Skincare Skintific pada Perempuan di Kota Yogyakarta
items: Pengaruh Brand Experience, Brand Ambassador dan Brand Image Terhadap Brand Loyalty Scarlett Whitening
items: Penerapan Knowledge Management dalam Layanan Pelatihan Kerajinan: Studi Kuantitatif di BBSPJIKB Yogyakarta
items: Analisis Kualitas Pelayanan Gadai Kredit Cepat Aman (KCA) pada PT Pegadaian Cabang Pangkep
items: Peran Mediasi Motivasi Kerja : Pengaruh Disiplin Kerja dan Lingkungan Kerja terhadap Kinerja Karyawan PT. XYZ
items: Strategi Manajemen Perubahan Perusahaan di Era Digital
items: Analisis Produktivitas Kerja Karyawan Bidang Operasional pada Colorbox Sun Plaza Medan
items: Implementasi Program Wirausaha Baru pada Dinas Tenaga Kerja dan Transmigrasi Provinsi Jambi
items: Pengaruh Literasi Keuangan dan Penggunaan E-Wallet terhadap Financial Behavior Mahasiswa di Kota Tasikmalaya
items: Analisis Hubungan Kualitas Pelayanan dan Fasilitas dengan Kepuasan Pasien di Puskesmas Selogiri Kabupaten Wonogiri
items: Pengaruh Brand Image, Persepsi Harga, Cita Rasa terhadap Loyalitas Konsumen
items: Pengaruh Budaya Kerja, Lingkungan Kerja dan Disiplin Kerja Terhadap Kinerja Karyawan Office PT. Antareja Mahada Makmur Kutai Kartanegara
items: Pengaruh Pemasaran Media Sosial, Ulasan Online Konsumen, dan Persepsi Harga terhadap Minat Beli Produk Somethinc
items: Pengaruh Disiplin Kerja, Motivasi Kerja, dan Lingkungan Kerja terhadap Kinerja Karyawan pada Prisma Billiard Kediri
items: Pengaruh Atmosfer Toko dan Kualitas Pelayanan Terhadap Keputusan Pembelian dengan Variasi Produk Sebagai Variabel Moderasi
items: Pengaruh Kepuasan Kerja, Lingkungan Kerja, dan Gaya Kepemimpinan Terhadap Kinerja Karyawan di PR. Alaina Fajar Berlian Tulungagung
items: Pengaruh Lokasi, Keragaman Produk, dan Brand Image Terhadap Loyalitas Nasabah Tabungan Pada Kantor Pusat PT. BPR Jwalita Trenggalek (Perseroda)
items: Pengaruh Store Atmosphere, Harga, dan Kualitas Pelayanan terhadap Keputusan Pembelian di Toko X Kabupaten Kediri
items: Pengaruh Brand Awareness, Kualitas Produk, dan E-Word Of Mouth terhadap Minat Beli Konsumen pada Pusat Oleh-Oleh X
items: Analisis Kesehatan Sektor Bank Digital yang Terdaftar di BEI dengan Pendekatan Risk Based Bank Rating pada Periode 2022-2024

Peran Kepemimpinan dan Motivasi terhadap Kinerja Karyawan
type: item
description: The purpose of this study was to determine the implementation of leadership and motivation on employee performance by taking a case study at PT Puncak Jaya Samudra. This study uses a descriptive qualitative method. Data were obtained by observation, interview and documentation methods. The results of this study indicate that in motivating and improving employee performance, namely by implementing a democratic leadership system, leaders provide motivation in various forms including: providing salaries, providing holiday allowances, providing year-end bonuses, providing health facilities, holding training, seminars and career paths. The impact of work motivation provided by the leadership of PT Puncak Jaya Samudra (PJS) is increasing employee performance, employees can be responsible and have high work enthusiasm.
creator: Diah Angguningtiyas
creator: Lingga Yuliana
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-06-07
publication date: 2025-06-07
volume: 3
number: 3
starting page: 01
ending page: 11
doi: 10.59603/masman.v3i3.883

Evaluasi Program Kombel dalam Meningkatkan Kompetensi Guru di SD Inpres Naimata
type: item
description: This study aims to evaluate the implementation of the Learning Community Program (Kombel) in improving teacher competence at SD Inpres Naimata using the CIPP evaluation model (Context, Input, Process, Product). A qualitative approach was employed, utilizing in-depth interviews, observations, and document analysis. The context evaluation revealed that Kombel addressed teachers’ real needs for improving instructional quality. Input evaluation showed support from school leadership, active teacher involvement, and funding from the BOS program, despite limited facilities. The process evaluation indicated that Kombel activities were collaborative and reflective. Product evaluation demonstrated enhanced pedagogical and professional competencies among teachers. The findings conclude that the Kombel program positively impacted teaching quality and is recommended for continued development as a sustainable strategy for improving educational quality.
creator: Eder Maufani
creator: Metriana Kamlasi
creator: Yisma Banfatin
creator: Herson Dabadida
creator: Yonatan Foeh
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-01
publication date: 2025-07-01
volume: 3
number: 3
starting page: 12
ending page: 26
doi: 10.59603/masman.v3i3.936

Evaluasi Program Kegiatan Ibadah Bersama di SD Inpres Oesapa Menggunakan Model Cipp
type: item
description: Instilling religious values from an early age is a crucial component in shaping students' character, particularly through religious education at the elementary school level. SD Inpres Oesapa routinely implements a joint worship program as a form of integrating spiritual values into formal education. This study aims to evaluate the implementation of the joint worship program at SD Inpres Oesapa using the CIPP evaluation model (Context, Input, Process, Product), to assess the program's effectiveness and provide recommendations for improvement. The study employs a qualitative approach with in-depth interviews, observation, and documentation techniques. The contextual evaluation shows that the program aligns with the school’s vision and receives strong support from teachers, parents, and the surrounding community. In terms of input, the program is supported by religious education teachers and necessary facilities, although there is still a need to improve teaching competence. The process evaluation reveals that the worship activities, held twice a month, are well-received by students, who feel enthusiastic and spiritually engaged. Product evaluation indicates positive behavioral changes in students, such as increased discipline, responsibility, and religious habits, though challenges remain for younger students with lower attention spans. Overall, the joint worship program has proven effective in fostering students' religious character and is recommended for further development with contextual approaches suitable to different grade levels.
creator: Meti Maria Enjela Neolaka
creator: Onci Amida Nope
creator: Yulita Laosana
creator: Oktavia Delvana Tilman
creator: Yonathan Foeh
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-01
publication date: 2025-07-01
volume: 3
number: 3
starting page: 27
ending page: 36
doi: 10.59603/masman.v3i3.937

Pengaruh Label Halal dan Brand Trust terhadap Keputusan Pembelian Masker Wajah Wardah Melalui Minat Beli
type: item
description: This study aims to analyze the influence of halal labels and brand trust on purchasing decisions for Wardah face masks through purchasing interest in Semarang City Students. The research method used is quantitative with data collection techniques through distributing questionnaires to 384 respondents who use Wardah face masks among Semarang City students. Data analysis was carried out using the Structural Equation Modeling (SEM) technique with the help of SmartPLS software. The results of this study indicate that halal labels do not have a significant effect on purchasing interest and purchasing decisions, brand trust has a significant effect on purchasing interest and purchasing decisions, in addition, purchasing interest is proven to be significant as an intervening variable for brand trust on purchasing decisions, and purchasing interest does not have a significant effect as an intervening variable for halal labels on purchasing decisions. These findings indicate that trust in a trusted product can increase purchasing interest and ultimately drive purchasing decisions. This study provides implications for companies to build brand trust in order to increase purchasing interest and consumer purchasing decisions, especially among students. In addition, the results of this study are expected to be a reference for further research that discusses consumer behavior in the halal cosmetics industry.
creator: Inayatur Rosidah
creator: Heri Prabowo
creator: Bayu Kurniawan
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-02
publication date: 2025-07-02
volume: 3
number: 3
starting page: 37
ending page: 48
doi: 10.59603/masman.v3i3.932

Efektivitas Implementasi Program Pilar Indobara untuk Peningkatan Kinerja SHE di PT Putra Perkasa Abadi Jobsite Borneo Indobara
type: item
description: The mining sector in Indonesia inherently involves high OSH (Occupational Safety and Health) and Environmental risks, necessitating strict adherence to regulations like Ministerial Decree of Energy and Mineral Resources No. 1827/2018 and Directorate General of Mineral and Coal Decree No. 185/2019. PT Putra Perkasa Abadi (PPA) at the Borneo Indobara Site launched the Indobara Pillar Program to optimize SHE (Safety, Health, Environment) performance and achieve "gold category" status. This research aims to analyze the effectiveness of the program's implementation from February to June 2024, and to identify its supporting and hindering factors. As a case study, this research will describe the implementation process, evaluate target achievement, and analyze influencing factors. Despite the program's launch, January 2024 data showed initial challenges: 67% overall program achievement, with only 38% of programs being effective. Key issues included inconsistent monitoring, unsuitable forms, poor synchronization of internal leading indicator data, insufficient understanding among SHE Group Leaders, and suboptimal personal safety awareness. These challenges directly impacted SHE performance targets. In conclusion, this in-depth analysis is expected to identify how the Indobara Pillar Program can be optimized, contribute to OSH/SHE literature, and enhance the company's safety culture comprehensively.
creator: Muhammad Osaegi Restu Amrulloh
creator: Rochmad Choirul Muachor
creator: Zinedina Salsabila Mustain
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-07
publication date: 2025-07-07
volume: 3
number: 3
starting page: 57
ending page: 74
doi: 10.59603/masman.v3i3.952

Pengaruh Electronic Word of Mouth dan Customer Trust terhadap Keputusan Pembelian Air Minum Kemasan Merek Aqua di Kota Demak dengan Minat Beli Sebagai Variabel Intervening
type: item
description: Competition in the beverage packaging industry is getting tighter, requiring companies to continue to build consumer loyalty. The AQUA brand, although widely known, has experienced a decline in the Top Brand Index over the past four years, indicating a decline in consumer purchasing decisions. This study aims to examine the influence of electronic word of mouth and customer trust on purchasing decisions for Aqua brand bottled drinking water in Demak City with purchase interest as an intervening variable. This study uses a quantitative approach with a survey method and data collection through questionnaires. Data analysis techniques are carried out using AMOS-based Structural Equation Modeling (SEM). The results of the study indicate that Electronic Word Of Mouth (EWOM) does not have a significant influence on Purchasing Decisions, Customer Trust has a positive and significant influence on Purchasing Decisions, Purchase Interest has a significant influence on Purchasing Decisions, Electronic Word Of Mouth (EWOM) does not have a significant influence on Purchase Interest, Customer Trust has a significant positive influence on Purchase Interest, Electronic Word Of Mouth (EWOM) does not have a significant influence on Purchase Decisions through Purchase Interest, and Customer Trust has a significant positive influence on Purchase Decisions through Purchase Interest.
creator: Nur Putriati
creator: Rauly Sijabat
creator: Noni Setyorini
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-07
publication date: 2025-07-07
volume: 3
number: 3
starting page: 75
ending page: 103
doi: 10.59603/masman.v3i3.953

Perbandingan Kinerja Keuangan Perusahaan Sebelum dan Sesudah Mengakuisisi PT Mulia Boga Raya Tbk pada PT Garuda Food Putra Putri Jaya Tbk Tahun 2018-2022
type: item
description: In carrying out measurements of the company's financial performance, several types of financial ratios are used, such as profitability, activity, solvency, and liquidity ratios. The purpose of the study is to provide comparative results of the company's financial performance as reviewed from the profitability, activity, solvency, and liquidity ratios before and after acquiring PT Mulia Boga Raya Tbk at PT Garuda Food Putra Putri Jaya Tbk in 2018-2023. The type of research used is quantitative descriptive research. The findings are that the Current Ratio before and after the acquisition is different, but not significant. This acquisition has an optimal impact on increasing the efficiency of the company's current asset management. The company's Debt to Equity Ratio shows the difference before and after the acquisition, but not significant. The acquisition makes a good contribution to the efficiency of the company's current asset management. Return on Equity shows the difference before and after the acquisition, but the change is not significant. The acquisition does not have a significant effect on the efficiency of using equity in generating profits. Total Asset Turn Over experiences an insignificant difference before and after the acquisition.
creator: Amallia Dwi Puspita
creator: Ahmad Idris
creator: Trisnia Widuri
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-08
publication date: 2025-07-08
volume: 3
number: 3
starting page: 104
ending page: 116
doi: 10.59603/masman.v3i3.954

Pengaruh Pengembangan Karir terhadap Retensi Karyawan dengan Kepuasan Kerja sebagai Intervening Dinas PUPR Provinsi Jambi
type: item
description: This study aims to test whether career development will affect employee retention through job satisfaction as an intervening variable at the Public Works and Public Housing Agency of Jambi Province. This study took samples from several civil servants of the Public Works and Public Housing Agency of Jambi Province totaling 70 people. Data collection was carried out using questionnaires that were distributed directly. This study used quantitative analysis carried out using the SmartPLS 4.1.1 application. The results of this study indicate that: 1) career development has a positive and significant effect on employee retention, 2) career development has a positive and significant effect on job satisfaction, 3) job satisfaction has a positive and significant effect on employee retention and 4) career development has a positive and significant effect on employee retention through job satisfaction.
creator: Dila Aprillia Hendriyulianti
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-08
publication date: 2025-07-08
volume: 3
number: 3
starting page: 117
ending page: 128
doi: 10.59603/masman.v3i3.957

Dampak Keberadaan Website Desa sebagai Layanan Publik dan Informasi Desa Ginolat Kecamatan Sianjur Mula-Mula Kabupaten Samosir
type: item
description: This study aims to analyze the impact of the existence of a village website as a medium for public services and information in Ginolat Village, Sianjur Mula-Mula Subdistrict, Samosir Regency. The research employed a descriptive qualitative method with data collected through interviews, observations, and documentation. Informants were selected using purposive sampling and consisted of the village head, village officials, members of the Village Consultative Body (BPD), and community members. The results show that the Ginolat Village government does not yet have a digital information system such as a website and still relies on manual methods for delivering public services and information. As a result, residents must visit the village office in person to obtain services and access information. Therefore, this study recommends that the village government allocate funding for the development of a village website, which is expected to be a strategic solution to improve service quality, transparency, accountability, and community participation, and to support the realization of good village governance.
creator: Welika Siboro
creator: Dahmiri Dahmiri
creator: Ovie Yanti
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-09
publication date: 2025-07-09
volume: 3
number: 3
starting page: 129
ending page: 136
doi: 10.59603/masman.v3i3.961

Analisis Risiko Operasional dan Penerapan Manajemen Risiko pada CV XYZ di Kota Pekanbaru
type: item
description: This study aims to analyze the form of operational risk faced by CV XYZ, a used car buying and selling business in Pekanbaru City, and to evaluate the extent to which risk management is implemented in its operational activities. This study uses a qualitative descriptive approach with a case study method. Data collection techniques are carried out through in-depth interviews, direct observation, and documentation. The results of the study indicate that CV XYZ faces various operational risks, including hidden damage to vehicles, document legality issues, and suboptimal customer service. The implementation of risk management is still informal, undocumented, and does not follow certain standards such as ISO 31000. Risk handling is carried out intuitively and reactively, not preventively. However, there is awareness from the management to start building a more structured risk management system through the preparation of SOPs and evaluation of internal processes. This study emphasizes the importance of implementing systematic risk management for small and medium businesses in order to be able to compete sustainably and maintain customer trust.
creator: Yovanna Nabila Azzahra
creator: Ilma Amelia
creator: Olipian Resky Pernando
creator: Nur Azizah
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-09
publication date: 2025-07-09
volume: 3
number: 3
starting page: 137
ending page: 146
doi: 10.59603/masman.v3i3.960

Pengaruh Citra Merek dan Kualitas Produk terhadap Minat Beli Produk Skincare Skintific pada Perempuan di Kota Yogyakarta
type: item
description: This study aims to analyze the influence of brand image and product quality on the interest in buying Skintific skincare products in women in Yogyakarta City. The method in this study uses a quantitative approach with a purposive sampling technique involving 75 respondents who have previously used Skintific skincare products. Data were obtained through questionnaires and processed using multiple linear regression analysis using SPSS 25. The results of this study show that both brand image and product quality have results that do not affect either partially or simultaneously buying interest. These findings provide practical advice for marketers to strengthen brand image and maintain product quality to increase consumer purchase interest.
creator: Cindy Apriliani
creator: Yulita Muhidin
creator: Kristiana Sri Utami
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-09
publication date: 2025-07-09
volume: 3
number: 3
starting page: 147
ending page: 155
doi: 10.59603/masman.v3i3.956

Pengaruh Brand Experience, Brand Ambassador dan Brand Image Terhadap Brand Loyalty Scarlett Whitening
type: item
description: This study looks into how brand experience, brand ambassadors, and brand image influence brand loyalty for Scarlett Whitening products in Kendal Regency. A total of 100 people who use Scarlett Whitening were included in the study. Information was gathered using an online survey on Google Forms. The data was analyzed using multiple linear regression with IBM SPSS 26 software, and responses were measured on a Likert scale. The findings show that brand experience, brand ambassadors, and brand image all have a strong and positive effect on brand loyalty for Scarlett Whitening in Kendal Regency. This is shown by the calculated F value of 99. 805, which is higher than the F table value of 2. 70, and a significance level of 0. 000.
creator: Kuwatno
creator: Sitta Saraya
creator: Lukman Zaini Abdullah
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-11
publication date: 2025-07-11
volume: 3
number: 3
starting page: 156
ending page: 169
doi: 10.59603/masman.v3i3.963

Penerapan Knowledge Management dalam Layanan Pelatihan Kerajinan: Studi Kuantitatif di BBSPJIKB Yogyakarta
type: item
description: Craft is an industry based on culture and local wisdom. The ability or skill of a person in making crafts is obtained through life experience and the influence of local culture so that it forms as tacit knowledge. In knowledge management, the SECI model is applied in an organization to encourage innovation and accelerate knowledge transfer. The purpose of this study is to photograph the phenomenon of the application of knowledge management in the BBSPJIKB craft team. The method used in this study is quantitative descriptive, through a knowledge management questionnaire in the Master of Management program lecture module at Sarjanawiyata Tamansiswa University Yogyakarta, which was tested for validity and reliability. The results showed that the results of the questionnaire study were quite valid with only 1 invalid question out of a total of 16 questions. From the results of the reliability test, it can be concluded that the questionnaire instrument is very reliable because the alpha value is 0.95, far above the minimum standard of 0.7. All questions have good internal consistency. So this questionnaire can be trusted and relied on for decision making or further research. The results of the study concluded that the implementation of knowledge management in the BBSPJIKB Craft Team was quite good, especially in terms of the culture of sharing and active learning. However, the empowerment of digital platforms and reward programs for innovation need to be improved.
creator: Harnandito Paramadharma
creator: Kusuma Chandra Kirana
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-11
publication date: 2025-07-11
volume: 3
number: 3
starting page: 170
ending page: 180
doi: 10.59603/masman.v3i3.967

Analisis Kualitas Pelayanan Gadai Kredit Cepat Aman (KCA) pada PT Pegadaian Cabang Pangkep
type: item
description: This research was conducted with the following objectives: (1) To understand the implementation process of the Kredit Cepat Aman (KCA) service program by PT Pegadaian Pangkep Branch, and (2) To assess the quality of service in the implementation of the KCA pawn program by PT Pegadaian Pangkep Branch. This study used two research approaches, namely qualitative and quantitative. The data for the qualitative approach consisted of observation and interview results with research subjects, which were in the form of written or verbal descriptions from observed individuals and actors. Meanwhile, the data for the quantitative approach came from questionnaires and calculations presented in tabular form, processed using Microsoft Excel. The data collection techniques included observation, interviews, questionnaires, and literature study. The results of this study show that: 1) The implementation of the Quick and Safe Credit (KCA) program at PT Pegadaian Pangkep Branch has been carried out properly and in accordance with the standards set by the company, 2) The quality of service, which includes the dimensions of tangibles, reliability, responsiveness, assurance, and empathy, has been met, with 86% of respondents (37 people) selecting the "strongly agree" option on the Likert scale. This score indicates that the service quality at PT Pegadaian Pangkep is in the very good category.
creator: Atirah Lestari
creator: Ratnawati Ratnawati
creator: Sulkifli Sulkifli
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-14
publication date: 2025-07-14
volume: 3
number: 3
starting page: 181
ending page: 195
doi: 10.59603/masman.v3i3.973

Peran Mediasi Motivasi Kerja : Pengaruh Disiplin Kerja dan Lingkungan Kerja terhadap Kinerja Karyawan PT. XYZ
type: item
description: This study aims to provide new knowledge and insights through analysis on the effect of work discipline and work environment on employee performance, both directly and indirectly through work motivation as a mediating variable, at the import-export logistics company PT XYZ. The method used is with a quantitative approach and causality descriptive design, with SEM-PLS analysis techniques using SmartPLS 4.0. Data were collected through a questionnaire with a total of 129 employee respondents. The results showed that (1) work discipline has no direct effect on work motivation; (2) work discipline has a direct effect on employee performance; (3) work environment has a direct effect on work motivation; (4) work environment has a direct effect on employee performance; (5) work motivation has no direct effect on employee performance; (6) work discipline has no indirect effect on employee performance through work motivation; (7) work environment has no indirect effect on employee performance through work motivation.
creator: Abimanyu Adi Nugroho
creator: Henry Eryanto
creator: Maulana Amirul Adha
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-14
publication date: 2025-07-14
volume: 3
number: 3
starting page: 196
ending page: 229
doi: 10.59603/masman.v3i3.974

Strategi Manajemen Perubahan Perusahaan di Era Digital
type: item
description: Change management is an approach taken by individuals or organizations to move from previous conditions to a better future. In the midst of rapid advances in digital technology, business organizations are required to be able to adapt in order to remain competitive. Digital transformation brings fundamental changes in various operational aspects, so companies need to make adjustments, not only in terms of technology, but also in terms of work culture, organizational structure, and the mindset of their human resources. This research aims to discuss concepts and practical approaches in managing business organizational change in the digital era, so that the digital transformation process can be carried out with careful planning and appropriate strategies. This research was conducted using the literature study method, referring to various sources such as e-books and previous journals. The results showed that changes in organizations are usually driven by common goals that are adjusted to the increasingly rapid development of technology. Change is inevitable and must be managed in a structured way to produce a positive impact. Through proper change management, organizations can increase effectiveness and innovation so that they can survive and thrive in global competition. Digital transformation that is carried out thoroughly and sustainably will create organizational readiness to face the changing dynamics in this digital era.
creator: Pupung purnamasari
creator: Agung Bagus Presetyo
creator: Ade Syahrozi
creator: Padly Nahampun
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-14
publication date: 2025-07-14
volume: 3
number: 3
starting page: 230
ending page: 237
doi: 10.59603/masman.v3i3.971

Analisis Produktivitas Kerja Karyawan Bidang Operasional pada Colorbox Sun Plaza Medan
type: item
description: This study aims to determine the work productivity of employees at the Colorbox Sun Plaza Medan store, a local fashion retailer serving the young women’s segment. The research employs a descriptive qualitative method with a case study approach. Data were obtained through in-depth interviews with five informants, comprising one Store Manager, one Supervisor, and three employees. The results show that employee productivity is measured by sales target achievement, display area compliance, minimal inventory losses, and positive customer feedback. Factors affecting productivity include work motivation, operational management systems, task allocation, and a supportive work environment. Although overall productivity is satisfactory, challenges such as low visitor traffic and weak supervision in the fitting room area were identified. Therefore, enhancements in motivation, training, and the strengthening of supervisory systems are needed to ensure sustained improvements in work productivity.
creator: Disti Aulia Putri
creator: Dini Anggraini
creator: Gina Sonia Simbolon
creator: Irwan Nopian Sinaga
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-14
publication date: 2025-07-14
volume: 3
number: 3
starting page: 238
ending page: 247
doi: 10.59603/masman.v3i3.975

Implementasi Program Wirausaha Baru pada Dinas Tenaga Kerja dan Transmigrasi Provinsi Jambi
type: item
description: The purpose of this study is to explore the implementation of the New Entrepreneur Program (WUB), to identify obstacles to the New Entrepreneur Program (WUB), to identify efforts made by the Jambi Province Manpower and Transmigration Office to overcome obstacles to the implementation of entrepreneurial policies. This study uses a Qualitative method with Data Collection Techniques carried out, namely Observation, Interviews and Documentation. The results of this study found that the Jambi Province New Entrepreneur Program (WUB) has succeeded in creating new entrepreneurs and reducing unemployment, but its effectiveness is hampered by less sustainable post-training assistance and a weak monitoring system. To improve implementation, it is necessary to strengthen the mentoring system and monitoring mechanism with accurate reporting applications. In addition, access to capital must be expanded through partnerships with financial institutions. Financial management training is also important, especially for elderly participants. It is hoped that the WUB program can be more effective in supporting entrepreneurial growth in Jambi Province.
creator: Anggi Natasya Santa Glorya
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-14
publication date: 2025-07-14
volume: 3
number: 3
starting page: 248
ending page: 259
doi: 10.59603/masman.v3i3.976

Pengaruh Literasi Keuangan dan Penggunaan E-Wallet terhadap Financial Behavior Mahasiswa di Kota Tasikmalaya
type: item
description: This research aimed to examine how financial literacy and the use of digital payment systems impact students' financial behavior in the Tasikmalaya area. Although digital wallets are widely used for transactions, many students do not realize that this ease of access can shape their financial habits. Often, e-wallets are seen purely as convenient tools, without acknowledging their influence on spending patterns and money management. A quantitative method was employed, with data gathered via questionnaires distributed to 140 student respondents. The findings show that financial literacy significantly affects financial behavior on its own, while e-wallet usage does not have a notable individual impact. Nevertheless, when both variables are analyzed simultaneously, they significantly influence financial behavior. These outcomes are consistent with the Theory of Planned Behavior, which explains that personal attitudes, control over behavior, and habits collectively contribute to financial decisions.Based on these results, the study suggests that improving financial literacy is crucial so that students can make more informed decisions and manage their finances wisely when using digital wallets.
creator: Nazia Sariul Wafa
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-15
publication date: 2025-07-15
volume: 3
number: 3
starting page: 260
ending page: 266
doi: 10.59603/masman.v3i3.978

Analisis Hubungan Kualitas Pelayanan dan Fasilitas dengan Kepuasan Pasien di Puskesmas Selogiri Kabupaten Wonogiri
type: item
description: Community Health Centers (Puskesmas) serve as primary healthcare facilities with a strategic role in delivering quality services and adequate infrastructure to the public. However, patient complaints are still frequently found, particularly concerning suboptimal service aspects such as unprofessional staff attitudes and uncomfortable waiting areas. This study aims to examine the relationship between service quality and facilities on patient satisfaction at Puskesmas Selogiri, Wonogiri Regency. The research employed a quantitative associative method with a survey approach. A total of 100 respondents were selected using purposive sampling. Data were collected through questionnaires and analyzed using the Spearman Rank test due to the non-normal distribution of the data. The findings revealed a very strong and positive correlation between service quality and patient satisfaction, with a correlation coefficient of 0.906. Similarly, facilities also showed a strong and significant relationship with patient satisfaction, with a correlation coefficient of 0.850. These results imply the importance of improving service interaction quality and providing comfortable facilities to enhance positive patient experiences and strengthen public trust in the services delivered by Puskesmas.
creator: Anisa Dwi Anggraini
creator: Indra Hastuti
creator: Adam Sasando
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-15
publication date: 2025-07-15
volume: 3
number: 3
starting page: 267
ending page: 275
doi: 10.59603/masman.v3i3.979

Pengaruh Brand Image, Persepsi Harga, Cita Rasa terhadap Loyalitas Konsumen
type: item
description: This study aims to examine the influence of Brand Image, price perception, and taste on customer loyalty at Sate Ayam Pak Siboen, a culinary business in Kediri City. A quantitative method with a causal approach was applied, involving 140 respondents who had made repeat purchases. Data were collected using structured questionnaires. The results of multiple linear regression analysis indicate that Brand Image, price perception, and taste each have a positive and significant effect on customer loyalty, both partially and simultaneously. These findings highlight the need for businesses to consistently maintain brand strength, fair pricing, and product taste quality to foster customer loyalty.
creator: Gogot Saputro
creator: Ahmad Idris
creator: Dadang Afrianto
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-15
publication date: 2025-07-15
volume: 3
number: 3
starting page: 276
ending page: 285
doi: 10.59603/masman.v3i3.980

Pengaruh Budaya Kerja, Lingkungan Kerja dan Disiplin Kerja Terhadap Kinerja Karyawan Office PT. Antareja Mahada Makmur Kutai Kartanegara
type: item
description: This study aims to examine the influence of work culture on the performance of office employees of PT. Antareja Mahada Makmur, the influence of the work environment on the performance of office employees of PT. Antareja Mahada Makmur, the influence of work discipline on the performance of office employees of PT. Antareja Mahada Makmur and the influence of work culture, work environment and work discipline on the performance of employees of PT. Antareja Mahada Makmur simultaneously. The subjects of the study were 45 employees of PT. Antareja Mahada Makmur. The sampling technique used simple random sampling. The measurement scale used in this study was the Likert scale. The data analysis technique used in the study was multiple linear analysis. The results showed that the F count value of 115.795> F table 2.83 and a significance level of 0.000 <0.05, meaning that the hypothesis was accepted, where there was an influence between the variables of work culture, work environment and work discipline simultaneously on the performance of employees of PT. Antareja Mahada Makmur. Then each variable of work culture, work environment and work discipline affects the performance of employees of PT. Antareja Mahada Makmur with a significance value of 0.000 < 0.05.
creator: Anggita Ratna
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-15
publication date: 2025-07-15
volume: 3
number: 3
starting page: 286
ending page: 298
doi: 10.59603/masman.v3i3.982

Pengaruh Pemasaran Media Sosial, Ulasan Online Konsumen, dan Persepsi Harga terhadap Minat Beli Produk Somethinc
type: item
description: The cosmetics industry in Indonesia is experiencing rapid growth, encouraging local brands such as Somethinc to continuously innovate in their marketing strategies. This study aims to analyze the influence of social media marketing, online consumer reviews, and price perception on purchase intention of Somethinc products, especially among Generation Z in Semarang City. Brand image is tested as a mediating variable in the relationship between these three factors and purchase intention. This study uses a quantitative approach with a survey method of 399 Generation Z respondents who are Somethinc product users. The sample was determined using a purposive sampling technique and refers to the Slovin formula. Data processing and analysis were carried out using path analysis techniques with the help of SmartPLS 3 software. The results show that social media, online consumer reviews, and price perception have a positive and significant influence on Somethinc's brand image. In addition, brand image is also proven to have a positive and significant influence on consumer purchase intention. However, social media marketing does not directly have a significant influence on purchase intention. In contrast, online consumer reviews and price perception have a positive and significant direct influence on purchase intention. Brand image acts as a strong mediator in strengthening the influence of these three independent variables on purchase intention. These findings suggest that Something needs to strengthen its engaging and interactive social media content strategy, collaborate with influencers, and build two-way communication to enhance its brand image, which will ultimately drive purchasing interest from young consumers.
creator: Dewi Septiyani
creator: Heri Prabowo
creator: Rauly Sijabat
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-24
publication date: 2025-07-24
volume: 3
number: 3
starting page: 299
ending page: 310
doi: 10.59603/masman.v3i3.981

Pengaruh Disiplin Kerja, Motivasi Kerja, dan Lingkungan Kerja terhadap Kinerja Karyawan pada Prisma Billiard Kediri
type: item
description: This study aims to analyze the influence of work discipline, work motivation, and work environment on employee performance at Prisma Billiard Kediri. The background of this study is based on the importance of employees' role in determining organizational success, especially in the service sector, which is highly dependent on human resource performance. In addition, inconsistencies were found in the results of previous studies regarding the influence of these variables on employee performance, so further studies are needed. This study uses a quantitative descriptive approach with data collection methods through questionnaires, direct field observations, interviews with relevant parties, and documentation. The sampling technique used a saturated sampling method, namely the entire population of 36 employees was used as the research sample. The data obtained were analyzed using multiple linear regression analysis techniques. The results of the analysis indicate that the variables of work discipline and work environment have a positive and significant influence on employee performance. This means that the higher the level of discipline and the better the work environment, the employee performance tends to increase. Conversely, work motivation in this study showed a negative influence on performance, indicating that the current motivation is not aligned with the goals and expectations of employees. Simultaneously, these three variables were proven to have a significant influence on employee performance. These findings imply that management needs to pay more attention to establishing a culture of discipline and creating a conducive work environment, as well as evaluating approaches to motivating employees.
creator: Muhammad Bintang Alkindy Z
creator: Ahmad Jauhari
creator: Beny Mahyudi S
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-07-24
publication date: 2025-07-24
volume: 3
number: 3
starting page: 311
ending page: 319
doi: 10.59603/masman.v3i3.983

Pengaruh Atmosfer Toko dan Kualitas Pelayanan Terhadap Keputusan Pembelian dengan Variasi Produk Sebagai Variabel Moderasi
type: item
description: The current business world is developing in a fast and dynamic global economic environment, creating new challenges for business actors. In the marketing sector, this condition is characterized by increasingly fierce competition. Companies are required to adapt to diverse consumer preferences and needs. In the marketing process, several factors influence purchasing decisions, including store atmosphere, service quality, and product variety. This study aims to analyze the influence of store atmosphere and service quality on purchasing decisions, with product variety as a moderating variable. This study was conducted at the 3 Saudara Clothing Store in Tangerang Regency. The research population was all store visitors, with a sample of 155 respondents obtained using non-probability sampling techniques, specifically accidental sampling. Data collection was carried out through questionnaires, while data analysis used SmartPLS software version 4.0. The results of the study show: (1) Store atmosphere has a significant effect on purchasing decisions; (2) Service quality has a significant effect on purchasing decisions; (3) Product variety moderates the relationship between store atmosphere and purchasing decisions; and (4) Product variety moderates the relationship between service quality and purchasing decisions. These findings indicate that store atmosphere and service quality play a significant role in driving purchasing decisions, and this influence can be amplified through product diversity. Therefore, maintaining a comfortable and attractive store environment, improving service quality, and providing a wide product variety are important strategies for retail stores in facing increasingly competitive markets.
creator: Astri Hamidatul Asma
creator: Asep Ferry Bastian
creator: Bagus Manunggal
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-11
publication date: 2025-08-11
volume: 3
number: 3
starting page: 320
ending page: 332
doi: 10.59603/masman.v3i3.985

Pengaruh Kepuasan Kerja, Lingkungan Kerja, dan Gaya Kepemimpinan Terhadap Kinerja Karyawan di PR. Alaina Fajar Berlian Tulungagung
type: item
description: This Study aims to explain and test the hypothesis regarding yhe influence of job satisfaction, work environment, and leadership style on the performance of PR. Alaina Fajar Berlian Tulungagung. This study is a descriptive study with a quantitative approach, using nonprobability techniques with a purposive sampling method. The population in this study was 627 employes, with a sample of 87 employes. Data analysis techniques used include validity tests, reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression tests, t tests (partial),F tets (simultaneous), and coefficients of determination (R2), which are processed using SPSS version 23. Based on the results of the study, it can be concluded that partially the job satisfaction variable does not have a significant effect on employe performance, with a significant value of 0,060 > 0,05 and a tcount value < ttable of 1,904 < 1,998. The work environment variable does not have a partial significant effect on employe performance, with a significant value of 0,,604 > 0,05 and a tcount value < ttable of 0,520 < 1.998. The leadership style variable does not have a partial significant effect on employe performance, with a significant value of 0,262 > 0,05 with a tcount < ttable of 1,129 < 1,998. Simultaneously, the variables of job satisfaction, work environment, and leadership style do not have a significant effect on employe performance at PR. Alaina Fajar Berlian Tulungagung, with a significant value of 0,084 > 0,05 with a Fcount value < Ftable of 2,297 < 2,215. This, job satisfaction, work environment, and leadership style do not significantly affect the performance of employe PR. Alaina Fajar Berlian Tulungagung. This shows that the hypothesis Ho is accepted and Ha is rejected.
creator: Rena Anjani
creator: Mawar Ratih K
creator: Aprilia Dian Evasari
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-25
publication date: 2025-08-25
volume: 3
number: 3
starting page: 333
ending page: 342
doi: 10.59603/masman.v3i3.1011

Pengaruh Lokasi, Keragaman Produk, dan Brand Image Terhadap Loyalitas Nasabah Tabungan Pada Kantor Pusat PT. BPR Jwalita Trenggalek (Perseroda)
type: item
description: This study aims to examine the influence of location, product variety, and brand image on savings customer loyalty at the Head Office of PT. BPR Jwalita Trenggalek Perseroda. Customer loyalty is a crucial factor for the sustainability of a banking institution, as loyal customers not only continue to use banking services but also tend to recommend them to others, thereby contributing to long-term growth. The variables examined in this study—location, product variety, and brand image—were chosen because they represent essential aspects that can strengthen the relationship between customers and the bank. This research employed a quantitative approach to ensure objectivity in data collection and analysis. The primary data were gathered through observation, interviews, and structured questionnaires distributed to savings customers of the bank, while secondary data were obtained through a literature review. The analytical techniques applied included validity and reliability testing to ensure the accuracy and consistency of the instruments, classical assumption tests to meet regression requirements, and multiple linear regression analysis to measure the influence of each independent variable on the dependent variable. Furthermore, hypothesis testing was conducted using the t-test and F-test, complemented by the coefficient of determination to measure the explanatory power of the model. The findings reveal that: (1) location has a significant effect on customer loyalty, indicating that accessibility and convenience play a vital role in customer decisions to remain loyal; (2) product variety significantly influences customer loyalty, demonstrating that diverse and innovative savings products attract and retain customers; and (3) brand image also has a significant effect on customer loyalty, suggesting that trust and positive perceptions toward the bank strengthen long-term relationships. Finally, the study confirms that location, product variety, and brand image simultaneous…
creator: Tyas Ajeng Puspitaningrum
creator: Aprilia Dian Evasari
creator: Beny Mahyudi S
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-25
publication date: 2025-08-25
volume: 3
number: 3
starting page: 343
ending page: 352
doi: 10.59603/masman.v3i3.1010

Pengaruh Store Atmosphere, Harga, dan Kualitas Pelayanan terhadap Keputusan Pembelian di Toko X Kabupaten Kediri
type: item
description: This study aims to analyze the influence of store atmosphere, price, and service quality on purchasing decisions at a store. Based on preliminary research, several issues were identified regarding the store's atmosphere, such as limited parking space and the store's location on the side of a main road, causing air pollution from vehicle emissions. Additionally, the store's interior temperature is somewhat high, which affects customer comfort. While the prices of goods in the store are relatively cheap due to bulk or wholesale sales, some products face price competition with online stores, leading some customers to switch to purchasing products via e-commerce. Furthermore, the limited number of employees, only five in total, results in ineffective service. Customers sometimes have to wait for extended periods to receive full service due to long queues. This study employs a quantitative research method with a population of 600 respondents. The sampling technique used is purposive sampling, with a sample size of 240 respondents. Data analysis is performed using SPSS 25.0 software. The results show that store atmosphere, price, and service quality all have a significant partial effect on purchasing decisions. Furthermore, store atmosphere, price, and service quality, when considered simultaneously, have a significant influence on purchasing decisions. These findings indicate that these three factors are interrelated and contribute to consumers' purchasing decisions. Although there are challenges that need to be addressed, such as issues with the store's atmosphere and limited staff, the study provides important insights for improving the shopping experience and customer service.
creator: Devitalita Shofyana
creator: Ustadus Sholihin
creator: Iing Sri Hardiningrum
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-27
publication date: 2025-08-27
volume: 3
number: 3
starting page: 353
ending page: 363
doi: 10.59603/masman.v3i3.1012

Pengaruh Brand Awareness, Kualitas Produk, dan E-Word Of Mouth terhadap Minat Beli Konsumen pada Pusat Oleh-Oleh X
type: item
description: This study aims to analyze the influence of Brand Awareness, Product Quality, and E-Word of Mouth on consumer purchase intention at Pusat Oleh-Oleh X. The selection of Pusat Oleh-Oleh X was based on considerations related to the characteristics and relevance of the souvenir center. This is a quantitative study with a population that is not definitively known in terms of the number of visitors to Pusat Oleh-Oleh X, located on Jl. Pamenang, Desa Toyoresmi, Kec. Ngasem, Kabupaten Kediri. The sample consists of 96 respondents, calculated using the Lemeshow formula. The analysis methods used in this study include descriptive statistics, validity testing, reliability testing, classical assumption testing, and multiple linear regression analysis, with data processed using SPSS 25 (Statistical Product and Service Solution). This analysis aimed to test the effect of each independent variable on consumer purchase intention. The results of the study indicate that, partially, both Brand Awareness and E-Word of Mouth significantly influence consumer purchase intention at Pusat Oleh-Oleh X. This suggests that higher brand awareness and positive information spread through E-Word of Mouth increase consumer purchase intention. On the other hand, product quality does not have a significant effect on purchase intention at Pusat Oleh-Oleh X, although product quality remains a relevant factor in consumer purchasing decisions. Simultaneously, Brand Awareness, Product Quality, and E-Word of Mouth significantly affect consumer purchase intention at Pusat Oleh-Oleh X. These findings suggest that these factors interact with each other in influencing consumer purchasing decisions. Therefore, it is important for the management of Pusat Oleh-Oleh X to focus on increasing brand awareness and leveraging E-Word of Mouth to attract more consumers.
creator: Nanik Widyaningsih
creator: Brahma Wahyu Kurniawan
creator: Kukuh Harianto
rights: Copyright (c) 2025 MASMAN Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-27
publication date: 2025-08-27
volume: 3
number: 3
starting page: 364
ending page: 374
doi: 10.59603/masman.v3i3.1013

Analisis Kesehatan Sektor Bank Digital yang Terdaftar di BEI dengan Pendekatan Risk Based Bank Rating pada Periode 2022-2024
type: item
description: This study aims to analyze the health of the digital banking sector listed on the Indonesia Stock Exchange (IDX) for the period 2022-2024 using the Risk-Based Bank Rating (RGEC) approach, which involves four main aspects: risk profile, good corporate governance, earnings, and capital. The research method used is descriptive quantitative analysis with secondary data. The sampling method was purposive sampling, which includes four digital banks listed on the IDX: ARTO (Bank Jago Tbk), BBHI (Bank Harda Internasional Tbk), BBYB (Bank Neo Commerce Tbk), and AMAR (Bank Amar Indonesia Tbk). The results show that based on the composite value calculations, these digital banks have shown significant improvement, moving from a composite rating of 3 (PK-3) with a "fairly healthy" predicate in 2022 to a composite rating of 2 (PK-2) with a "healthy" predicate in 2023 and 2024. Although improvements have been made in several key areas, such as risk management and profitability, the main challenges still faced by digital banks are liquidity management and credit quality, reflected in the high Loan to Deposit Ratio (LDR) and significant Non-Performing Loans (NPL). This study also emphasizes the importance of strengthening good corporate governance (GCG) principles and more effective risk management to support the sustainability and growth of the digital banking sector in Indonesia. Therefore, digital banks need to focus more on improving liquidity management, credit quality, and enhancing the efficiency of margin and capital management to overcome future challenges and strengthen their position in the digital banking industry.
creator: Indri Iswardhani
rights: Copyright (c) 2025 Master Manajemen https://creativecommons.org/licenses/by-sa/4.0
license: https://creativecommons.org/licenses/by-sa/4.0
date: 2025-08-29
publication date: 2025-08-29
volume: 3
number: 3
starting page: 375
ending page: 392
doi: 10.59603/masman.v3i3.1074