Jurnal Manajemen dan Bisnis (JMB)

Peran Manajemen Keuangan dalam Menjaga Likuiditas Bank di Tengah Krisis Ekonomi (Studi Kasus pada Lembaga Keuangan di Indonesia)

2025-12-18T16:04:37+00:00

Likuiditas merupakan aspek krusial dalam menjamin keberlanjutan operasional dan ketahanan lembaga perbankan, terutama saat menghadapi krisis ekonomi. Penelitian ini bertujuan untuk menganalisis peran manajemen keuangan dalam menjaga likuiditas bank melalui pendekatan kualitatif deskriptif berbasis studi pustaka. Hasil kajian menunjukkan bahwa manajemen keuangan berperan strategis dalam merencanakan arus kas, mengelola aset dan liabilitas (ALMA), serta menempatkan dana pada aset likuid guna mengantisipasi risiko kekurangan dana jangka pendek. Selain itu, bank juga mengoptimalkan struktur pendanaan melalui peningkatan dana murah (CASA), mematuhi regulasi likuiditas seperti LCR, NSFR, dan GWM, serta memperkuat sistem pengawasan internal melalui pembentukan komite ALCO. Penerapan strategi-strategi tersebut membuktikan bahwa manajemen keuangan tidak hanya berfungsi sebagai pengelola dana, tetapi juga sebagai instrumen pengendali dalam menjaga stabilitas dan kepercayaan publik terhadap sistem perbankan, khususnya dalam kondisi krisis.

Pengaruh Kompetensi Dan Motivasi Kerja Terhadap Kinerja Pegawai Pada Dinas Perikanan Kabupaten Pesisir Barat

2025-12-23T14:30:07+00:00

Abstract

Competence is the ability of an employee to carry out tasks. Work motivation is an encouragement that comes from the employee. Performance is the result of work both in quality and quantity. This study aims to determine the effect of work competence and motivation on employee performance at Dinas Perikanan Kabupaten Pesisir Barat.

The research conducted was quantitative descriptive research. This study used 56 research respondents. There are three variables in this study, namely: 2 (two) independent variables (X1 and X2) and 1 (one) dependent variable where competence (X1) and work motivation (X2) are independent variables and employee performance (Y) as the dependent variable.

From the results of data processing, the following hypothesized answers have been found; there is the influence of competence (X1) on employee performance (Y), with a level of influence of 65.7% There is an influence of work motivation (X2) on employee performance (Y) with a level of influence of 70.8%. There is an influence of competence (X1) and work motivation (X2) together on employee performance (Y), with a level of influence of 77.2%.

Keywords : Competence, work motivation, employee performance

Strategi Influencer, Citra Merek Terhadap Penjualan Produk Fashion

2026-02-03T09:16:43+00:00

Abstract

This study aims to analyze the influence of influencer strategy and brand image on fashion product sales. The background of this research is based on the rapid development of digital marketing, which positions influencers as an effective promotional medium to influence consumer purchase decisions, especially in the dynamic fashion industry. This research adopts a quantitative approach by distributing questionnaires to 120 respondents who are active social media users and have purchased fashion products promoted by influencers. Data were analyzed using multiple linear regression to examine the effect of independent variables on the dependent variable. The results indicate that influencer strategy has a positive and significant impact on fashion product sales. Furthermore, brand image also shows a positive and significant effect in increasing sales. These findings emphasize that influencer collaboration and brand image building are effective strategies for fashion companies to enhance competitiveness and sales growth. This study provides practical implications for business actors in designing digital marketing strategies and theoretical contributions for modern marketing research development.

Keywords : Influencer Strategy, Brand Image, Sales, Fashion, Digital Marketing

Abstrak

Penelitian ini bertujuan untuk menganalisis pengaruh strategi influencer dan citra merek terhadap penjualan produk fashion. Latar belakang penelitian ini didasari oleh pesatnya perkembangan pemasaran digital yang menjadikan influencer sebagai media promosi yang efektif dalam memengaruhi keputusan pembelian konsumen, khususnya dalam industri fashion yang bersifat dinamis dan mengikuti tren. Metode penelitian menggunakan pendekatan kuantitatif dengan survei melalui kuesioner kepada 120 responden yang merupakan konsumen pengguna media sosial yang pernah membeli produk fashion yang dipromosikan influencer. Teknik analisis data menggunakan regresi linear berganda untuk menguji pengaruh variabel independen terhadap variabel dependen. Hasil penelitian menunjukkan bahwa strategi influencer berpengaruh positif dan signifikan terhadap penjualan produk fashion. Begitu pula citra merek terbukti berpengaruh positif dan signifikan terhadap peningkatan penjualan. Temuan ini menegaskan bahwa kolaborasi dengan influencer serta penguatan citra merek merupakan strategi yang efektif bagi perusahaan fashion untuk meningkatkan daya saing dan volume penjualan. Penelitian ini memberikan implikasi praktis bagi pelaku usaha dalam merancang strategi pemasaran berbasis digital dan kontribusi teoritis bagi pengembangan kajian pemasaran modern.

Kata Kunci: Influencer marketing, citra merek, penjualan, fashion, digital marketing

PENGARUH INFLASI, NILAI TUKAR, DAN SUKU BUNGA TERHADAP INDEKS HARGA SAHAM GABUNGAN DI BURSA EFEK INDONESIA

2025-12-16T15:13:04+00:00

Penelitian ini bertujuan untuk mengetahui apakah ada pengaruh Inflasi, Nilai Tukar, dan Suku Bunga Terhadap Indeks Harga Saham Gabungan di Bursa Efek Indonesia Periode 2017-2022 baik secara parsial maupun simultan. Pendekatan yang digunakan adalah pendekatan kuantitatif. Populasi penelitian ini adalah seluruh data time series meliputi Inflasi, Nilai Tukar, Suku Bunga, dan Indeks Harga Saham Gabungan (IHSG) selama tahun 2017 sampai 2022. Sampel dalam penelitian ini menggunakan metode purposive sampling yang diperoleh 288 sampel terdiri dari 72 sampel Inflasi, 72 sampel Nilai Tukar, 72 sampel Suku Bunga dan 72 sampel Indeks Harga Saham Gabungan. Metode analisis yang digunakan yaitu metode analisis regresi linear berganda, uji asumsi klasik, uji hipotesis, dan koefisien determinasi dengan menggunakan software SPSS 27.0. Berdasarkan hasil penelitian dapat disimpulan bahwa: (1) inflasi berpengaruh positif dan signifikan terhadap indeks harga saham gabungan, (2) nilai tukar berpengaruh positif dan tidak signifikan terhadap indeks harga saham gabungan, (3) suku bunga berpengaruh negatif dan signifikan terhadap indeks harga saham gabungan, (4) secara simultan inflasi, nilai tukar, dan suku bunga berpengaruh signifikan terhadap indeks harga saham gabungan di Bursa Efek Indonesia periode 2017-2022.

Kata Kunci: Inflasi, Nilai Tukar, Suku Bunga, Indeks Harga Saham Gabungan.

Manajemen Risiko Bahan Baku Pada Usaha Ciken Untuk Menjaga Kualitas Produk

2025-12-23T14:39:58+00:00

Abstract

This study discusses raw material risk management in chicken businesses to maintain product quality. Common risks include decreased chicken freshness, delivery delays, cross-contamination, limited storage facilities, and inaccurate seasoning measurements during the production process. The study used a descriptive qualitative approach through observation and interviews with business operators. The results show that the most dominant risk stems from the freshness of the chicken upon arrival, as this directly affects the taste, texture, aroma, and safety of the product. Mitigation efforts are carried out through quality checks on raw materials upon arrival, improvements to storage facilities, the implementation of hygiene procedures, standardization of seasoning measurements, improved communication with suppliers, and the provision of backup stocks to anticipate delays. Based on these findings, raw material risk management has proven to play an important role in maintaining the consistency of chicken product quality and increasing customer trust.

Keywords : risk management, raw materials, product quality, chicken business

Abstrak

Penelitian ini membahas pengelolaan risiko bahan baku pada usaha ciken untuk menjaga kualitas produk. Risiko yang sering muncul meliputi penurunan kesegaran ayam, keterlambatan pengiriman, kontaminasi silang, keterbatasan fasilitas penyimpanan, serta ketidaktepatan takaran bumbu saat proses produksi. Penelitian menggunakan pendekatan kualitatif deskriptif melalui observasi dan wawancara dengan pelaku usaha. Hasil penelitian menunjukkan bahwa risiko paling dominan berasal dari kesegaran ayam saat diterima, karena hal ini berpengaruh langsung terhadap rasa, tekstur, aroma, serta keamanan produk. Upaya mitigasi dilakukan melalui pemeriksaan kualitas bahan baku sejak diterima, perbaikan fasilitas penyimpanan, penerapan prosedur kebersihan, standarisasi takaran bumbu, peningkatan komunikasi dengan pemasok, serta penyediaan stok cadangan untuk mengantisipasi keterlambatan. Berdasarkan temuan tersebut, manajemen risiko bahan baku terbukti berperan penting dalam menjaga konsistensi kualitas produk ciken dan meningkatkan kepercayaan pelanggan.

Kata Kunci : Manajemen risiko, bahan baku, kualitas produk, usaha ciken

Penyebab Maraknya Pengangguran Lulusan Perguruan Tinggi Di Indonesia

2025-12-27T13:47:32+00:00

Unemployment among college graduates in Indonesia is a crucial issue in the economic field, especially because the high number of graduate unemployment indicates an imbalance between the growth of the educated workforce and the needs of the labor market. This phenomenon can be caused by various factors, such as the mismatch of skills with industry needs, slow economic growth, and the imbalance between the number of graduates and available jobs. Therefore, this study aims to examine the economic factors that are the main causes of the high unemployment among college graduates in Indonesia using a literature study approach. This research was conducted using a qualitative method with a library research approach, where data were collected from various academic literature, official reports, and relevant previous research. Data sources include scientific journals, books, reports from government agencies such as the Central Statistics Agency (BPS), and publications from international organizations. Data analysis was carried out by reviewing previous theories and findings to identify economic patterns and factors that contribute to the unemployment rate of college graduates. The results of this study are expected to provide a more comprehensive understanding of the root causes of unemployment among college graduates from an economic perspective. In addition, this study aims to provide recommendations based on theoretical studies for policy makers in designing strategies to improve the quality of the workforce and more effective economic policies to reduce the number of graduate unemployment in Indonesia.

Kontribusi Likuiditas dan Aktivitas Persediaan dalam mendukung Profitabilitas Perusahaan

2025-12-27T13:53:03+00:00

This study aims to determine the Effect of Current Ratio (CR) and Inventory Turn Over (ITO) on Return On Asset (ROA) at PT Siantar Top Tbk for the period 2013 to 2023. The research method used is a quantitative method with data analysis techniques used are descriptive analysis, classical assumption test, normality test, microlinearity test, autocorrelation test, heteroscedasticity test, linear regression test, correlation coefficient test, coefficient of determination test partial test (T test), and simultaneous test (F test). The results of the study indicate that partially the Current Ratio variable does not have a significant effect on Return On Asset with a calculated t value (1.318) <t table (2.365) and a significance value of 0.224> 0.05. The Inventory Turn Over variable partially has a significant effect on Return On Asset with a comparative value of t count (3.320) > t table (2.306) and a significance value of 0.011 < 0.05 and simultaneously the Current Ratio and Inventory Turn Over have a significant effect with a value of F count 8.788 > F table 4.46 with a Sig. F value of 0.010 < 0.05.

Keywords : CR, ROA, ITO

Elemen-Elemen Pengelolaan Keuangan Dalam Islam

2025-12-27T14:00:40+00:00

Financial management from an Islamic perspective not only focuses on material aspects but also includes spiritual and moral dimensions. This article discusses the main elements of financial management according to Islamic principles, such as the importance of sincere intentions, the prohibition of usury, and the principles of justice, transparency, and balance in spending, earning, and managing wealth. Through a literature review of primary sources such as the Qur'an and hadith, as well as references from scholars and experts in Islamic economics, this article aims to provide a comprehensive understanding of the values underlying Islamic financial management. It is hoped that this understanding can serve as a foundation in building a financial system that is not only efficient but also ethical and socially just in accordance with Islamic teachings

Pengaruh Pendapatan Asli Daerah (Pad) Terhadap Belanja Modal Pada Badan Pengelolaan Keuangan Dan Aset Daerah Kota Bandar Lampung Tahun 2019-2023

2025-12-27T14:14:59+00:00

Abstract

This study aims to analyze the influence of Local Own-Source Revenue (Pendapatan Asli Daerah, PAD) on Capital Expenditure at the Regional Financial and Asset Management Agency (BPKAD) of Bandar Lampung City from 2019 to 2023. Using a quantitative descriptive associative approach, secondary data from annual financial reports, including APBD and budget realization reports, were analyzed through simple linear regression. The results show that PAD has a significant positive effect on capital expenditure, with a coefficient of 0.267. The coefficient of determination (RÂ²) value of 0.194 indicates that 19.4% of the variation in capital expenditure can be explained by PAD. This highlights the important role of PAD in financing capital expenditure to support regional development and improve public services. The study recommends that BPKAD Bandar Lampung optimize financial management and maximize PAD potential to sustain infrastructure development effectively.

Keywords: Local Own-Source Revenue, Capital Expenditure, Regional Finance, Bandar Lampung, Public Service