JURNAL RUMPUN MANAJEMEN DAN EKONOMI

Pengaruh Variasi Produk Terhadap Keputusan Pembelian Pada Konsumen Gen Z di Kopi Kenangan Kota Solo

Shabilla Chaqqiafni, Muhammad Syihabuddin — Wed, 15 Apr 2026 00:00:00 +0000

This study aims to analyze the effect of product variation on purchasing decisions among Generation Z consumers of Kopi Kenangan in Solo City. The research is motivated by the rapid growth of the modern coffee industry and the changing behavior of young consumers who tend to prefer innovative and diverse products. This study employs a quantitative approach with an associative research design. Data were collected through questionnaires distributed to 100 respondents using purposive sampling technique. The data were analyzed using simple linear regression with the assistance of SPSS software. The results indicate that product variation has a positive and significant effect on purchasing decisions, with a significance value of 0.000 < 0.05 and a coefficient of determination of 0.470. This means that product variation explains 47% of purchasing decisions, while the remaining is influenced by other variables outside the model. These findings suggest that greater product diversity increases consumers’ likelihood to make purchases. This study implies that businesses should continuously develop innovative product variations aligned with the preferences of Generation Z consumers.

Optimalisasi Bisnis Proses Letter of Credit pada Layanan Trade Finance Import Perbankan (Studi kasus PT Bank X)

Chintya Aurelia Fauziah, Cattleya Rejito — Wed, 15 Apr 2026 00:00:00 +0000

Letter of Credit (L/C) merupakan instrumen pembayaran utama dalam perdagangan internasional yang menjamin keamanan transaksi antara eksportir dan importir. Namun proses operasional L/C pada PT Bank X masih menghadapi berbagai kendala, terutama terkait aktivitas manual, beban kerja, kecepatan proses, serta risiko kesalahan dokumen. Penelitian ini bertujuan untuk menganalisis alur operasional L/C secara menyeluruh, mengidentifikasi faktor-faktor yang menyebabkan inefisiensi, serta merumuskan strategi optimalisasi melalui pendekatan Business Process Management (BPM) dan digitalisasi proses. Pendekatan penelitian menggunakan metode deskriptif kualitatif melalui keusioner mendalam, observasi langsung, serta analisis dokumentasi internal bank. Hasil penelitian menunjukkan adanya hambatan pada tahapan verifikasi dokumen, beban kerja, serta proses otorisasi yang masih dilakukan secara manual. Selain itu, penggunaan sistem yang tidak terintegrasi menyebabkan tingginya waktu tunggu dan risiko kesalahan. Melalui proses pemetaan dan analisis operasional, penelitian ini mengusulkan strategi digitalisasi seperti otomasi pemeriksaan dokumen, integrasi sistem lintas unit kerja, penerapan alur kerja otomatis, serta pemanfaatan OCR berbasis AI atau machine learning dan RPA untuk mengurangi kesalahan dan mempercepat turn around time (TAT). Implementasi strategi ini diharapkan meningkatkan efisiensi, akurasi, akurasi proses L/C, serta kepuasan nasabah, sekaligus memperkuat daya saing perbankan dalam layanan Trade Finance Import.

Analisis Persepsi Konsumen terhadap Merek, Kualitas Layanan dan Harga dalam Membangun Loyalitas Industri Jasa (Persepsi Pelanggan Maxim di Kota Pematangsiantar)

Edi Siregar, Novendra Adisaputra Sinaga, Henry Dunan Pardede — Wed, 15 Apr 2026 00:00:00 +0000

Penelitian ini bertujuan untuk menganalisis pengaruh persepsi konsumen terhadap merek, kualitas layanan, dan harga dalam membangun loyalitas pelanggan pada layanan transportasi online Maxim di Kota Pematangsiantar. Latar belakang penelitian ini adalah persaingan ketat antar penyedia jasa transportasi online yang menuntut perusahaan memahami faktor-faktor penentu loyalitas pelanggan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner kepada 397 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel merek, kualitas layanan, dan harga berpengaruh positif dan signifikan terhadap loyalitas pelanggan, baik secara parsial maupun simultan. Di antara ketiga variabel tersebut, kualitas layanan memiliki pengaruh paling dominan terhadap loyalitas pelanggan. Hal ini ditunjukkan melalui hasil uji t dan uji F serta nilai Adjusted R Square sebesar 64,9%, yang berarti ketiga variabel tersebut menjelaskan loyalitas pelanggan sebesar 64,9%, sementara sisanya dipengaruhi oleh faktor lain di luar penelitian. Temuan ini menekankan pentingnya perusahaan untuk terus meningkatkan kualitas layanan, membangun citra merek yang positif, dan menawarkan harga yang kompetitif guna mempertahankan loyalitas konsumen.

Analisis Rasio Likuiditas, Solvabilitas Dan Profitabilitas Untuk Mengukur Kinerja Keuangan Pada Pt Hanjaya Mandala Sampoerna Tbk Periode 2014-2024

Andri Indrawan, Shelby Virby — Wed, 15 Apr 2026 00:00:00 +0000

Abstract. This study aims to analyze the financial performance of PT Hanjaya Mandala Sampoerna Tbk for the period 2014–2024, as measured by liquidity, solvency, and profitability ratios. The research employs a quantitative method with a descriptive approach. The data used are secondary data obtained from the company’s annual financial reports published by the Indonesia Stock Exchange (IDX). The data analysis technique used in this study is financial ratio analysis, which includes the current ratio, quick ratio, cash ratio, debt to equity ratio, debt to asset ratio, long-term debt to equity ratio, return on assets, return on equity, and net profit margin. The results show that, in terms of liquidity, the current ratio is 322.02%, the quick ratio is 153.57%, and the cash ratio is 70.06%. Based on the Decree of the Minister of Finance No. 740/KMK.00/1989, these results indicate that the company’s liquidity condition is very healthy. In terms of solvency, the debt to equity ratio is 62.32%, the debt to asset ratio is 35.73%, and the long-term debt to equity ratio is 7.18%, all of which indicate an unhealthy condition, as the values are below 100%. Meanwhile, from the profitability perspective, the return on assets is 21.26%, the return on equity is 32.71%, and the net profit margin is 10.31%, showing that the company’s profitability level is very healthy.

Keywords: Liquidity Ratio, Solvency Ratio, profitability ratio, Financial Performance

Pengaruh Brand Ambassador, Brand Image, dan Kualitas Produk terhadap Keputusan Pembelian Produk Moisturizer Glad2Glow

Intan Nur Alifah, Tri Ratna Pamikatsih — Thu, 16 Apr 2026 00:00:00 +0000

Amid intensifying competition in the beauty sector, this study investigates how brand ambassador, brand image, and product quality relate to purchasing decisions for Glad2Glow moisturizer products. The research adopts a quantitative design implemented through a survey, where primary data were obtained via questionnaires administered to 100 respondents with prior experience using the product. Data processing was conducted using multiple linear regression with SPSS. The empirical results indicate that, on a partial basis, brand ambassador and brand image do not exert a significant influence on purchasing decisions, implying that consumers do not primarily rely on brand representation or perceived image when making purchase choices. Conversely, product quality demonstrates a positive and significant effect, reflecting that functional value and performance play a central role in meeting consumers’ skincare expectations. When considered simultaneously, the three variables account for 59.9% of the variation in purchasing decisions. These findings underscore the strategic importance of consistently maintaining product quality to enhance competitive positioning in the market. Furthermore, the study suggests that while marketing elements such as brand ambassador and brand image remain relevant, greater emphasis should be placed on product-oriented improvements to better align with consumer priorities.

PENGARUH INFLASI, NILAI TUKAR DAN SUKU BUNGA TERHADAP HARGA SAHAM PADA PERUSAHAAN SUB SEKTOR PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2020-2024

Jannah Andini, Dede Hendra — Thu, 16 Apr 2026 00:00:00 +0000

This study aims to analyze the effect of inflation, exchange rate, and interest rate on stock prices of mining sub-sector companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. This research employs a quantitative approach with a purposive sampling technique and panel data analysis using E-Views 13, accompanied by classical assumption tests, hypothesis testing, and the coefficient of determination test. The sample consists of five mining sub-sector companies. The partial test (t-test) results show that inflation (X1) has no significant effect on stock prices (Y), with a probability value of 0.9051 > 0.05. Similarly, the exchange rate (X2) has no significant effect on stock prices (Y) with a probability value of 0.8767 > 0.05, and the interest rate (X3) also has no significant effect on stock prices (Y) with a probability value of 0.6511 > 0.05. The simultaneous test (F-test) also indicates an insignificant result with an F-probability value of 0.367572 (>0.05). The coefficient of determination (R²) value of 0.1368 indicates that only 13.68% of the variation in stock prices can be explained by the three variables, while 86.32% is influenced by other factors outside the model. It is concluded that stock price movements in the mining sector are more dominantly affected by external factors such as global commodity prices rather than domestic macroeconomic conditions.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BERDASARKAN RASIO LIKUIDITAS, PROFITABILITAS, DAN SOLVABILITAS PADA PT BUMI SERPONG DAMAI TBK DAN PT SUMMARECON AGUNG TBK PERIODE 2015–2024

Nurjumratunnisa Nurjumratunnisa, Puji Muniarty — Thu, 16 Apr 2026 00:00:00 +0000

This study aims to analyze the comparative financial performance of PT Bumi Serpong Damai Tbk and PT Summarecon Agung Tbk based on liquidity, profitability, and solvency ratios during the period 2015–2024. This research employs a quantitative comparative approach using secondary data in the form of audited annual financial statements. The analysis includes Current Ratio (CR), Return on Assets (ROA), and Debt to Asset Ratio (DAR), which are tested using normality, homogeneity, and Independent Sample t-test with the assistance of SPSS. The results indicate that there are significant differences in CR and DAR, while no significant difference is found in ROA. These findings suggest that both companies differ in liquidity management and capital structure, but have relatively similar capabilities in generating profits.

PENGARUH KUALITAS PRODUK JASA DAN KUALITAS PELAYANAN TERHADAP KEPUASAN PELANGGAN PADA BIMBEL JOYA DI KOMPLEK KAHURIPAN BOGOR

Octa Ayurika, Hastono Hastono — Fri, 17 Apr 2026 00:00:00 +0000

Dalam persaingan bisnis yang semakin ketat, kepuasan pelanggan menjadi faktor krusial bagi keberhasilan perusahaan, terutama di industri jasa pendidikan seperti bimbingan belajar. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk jasa dan kualitas pelayanan terhadap kepuasan pelanggan pada Bimbel Joya di Komplek Kahuripan Bogor Kualitas produk jasa, yang mencakup kurikulum, materi ajar, dan metode pengajaran, serta kualitas pelayanan, yang meliputi interaksi pengajar-siswa, responsivitas, dan fasilitas, diyakini memiliki peran signifikan dalam membentuk kepuasan pelanggan. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan explanatory survey. Populasi penelitian adalah konsumen Bimbel Joya di Komplek Kahuripan Bogor pada tahun 2023, berjumlah 615 konsumen. Sampel diambil menggunakan rumus Slovin dengan tingkat kesalahan 10%, menghasilkan 86 responden. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa kualitas produk jasa secara parsial berpengaruh signifikan terhadap kepuasan pelanggan, dibuktikan dengan nilai signifikansi 0,000 (< 0,05) dan nilai t-hitung 19,764 (> t-tabel 1,98896). Demikian pula, kualitas pelayanan secara parsial juga berpengaruh signifikan terhadap kepuasan pelanggan, dengan nilai signifikansi 0,000 (< 0,05) dan nilai t-hitung 30,378 (> t-tabel 1,98896). Lebih lanjut, kualitas produk jasa dan kualitas pelayanan secara simultan berpengaruh signifikan terhadap kepuasan pelanggan, ditunjukkan oleh nilai signifikansi 0,000 (< 0,05) dan nilai F-hitung 502,503 (> F-tabel 3,11). Temuan ini mengindikasikan bahwa peningkatan kualitas produk jasa dan pelayanan akan secara langsung berkontribusi pada peningkatan kepuasan pelanggan Bimbel Joya.

Pengaruh Promosi Dan Citra Sekolah Terhadap Keputusan Siswa Memilih Sekolah Pada Smks Islam Asy Syuhada Rumpin Bogor

Ahmad Arif, Ahmad Nurhadi — Fri, 17 Apr 2026 00:00:00 +0000

Keywords: Liquidity Ratio, Solvency Ratio, profitability ratio, Financial Performance

Pengaruh Kualitas Pelayanan Dan Harga Terhadap Kepuasan Konsumen Pada Rumiko Cafe Di Kabupaten Tangerang

Muhamad Alfarizi, Asep Sulaeman — Fri, 17 Apr 2026 00:00:00 +0000

Abstract. This study aims to determine the effect of Service Quality and Price on Customer Satisfaction at Rumiko Cafe in Tangerang Regency, both partially and simultaneously. The research method used is an associative quantitative method. The population in this study consists of Rumiko Cafe customers, with a total of 99 respondents selected using purposive sampling. Primary data were collected through questionnaires and processed using SPSS Version 25. The tests conducted include validity test, reliability test, classical assumption test, simple and multiple linear regression tests, correlation coefficient test, coefficient of determination test, and hypothesis tests (t-test and F-test). The results show that Service Quality and Price have a positive and significant effect on Customer Satisfaction, both partially and simultaneously. The multiple regression equation obtained is Y = 4.315 + 0.494X1 + 0.324X2. The correlation coefficient (r) value of 0.866 indicates a very strong relationship between the independent variables and the dependent variable. The coefficient of determination (R²) value of 0.751 indicates that 75.1% of the variation in Customer Satisfaction can be explained by Service Quality and Price, while the remaining 24.9% is influenced by other variables not included in this research model. Based on the simultaneous test, the calculated F value is greater than the table F value (144.482 > 3.09) with a significance value below 0.05, indicating that Service Quality and Price have a positive and significant simultaneous effect on Customer Satisfaction at Rumiko Cafe in Tangerang Regency.

Keywords: Service Quality; Price; Customer Satisfaction.

Pengaruh Disiplin Kerja dan Kemampuan Komunikasi terhadap Kinerja Karyawan Sushigo Mall Central Park Jakarta Barat

Jihadah Putri Hasanah, Syarifah Ida Farida — Sat, 18 Apr 2026 00:00:00 +0000

This study aims to analyze the effect of work discipline and communication skills on employee performance at Sushigo Mall Central Park, West Jakarta. The research used a quantitative associative approach with a saturated sample of 31 employees. Data were collected through questionnaires and analyzed using descriptive statistics, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination with SPSS. The results show that work discipline and communication skills have a positive and significant effect, both partially and simultaneously, on employee performance. These findings indicate that improving discipline and communication is essential to enhance employee performance.

Pengaruh Kualitas Produk Terhadap Keputusan Pembelian Batu Bata Merah di Wailiti Kecamatan Alok Barat

Helena Elviana, Nur Chotimah, Amir Djonu — Sat, 18 Apr 2026 00:00:00 +0000

This research aims to determine the effect of product quality on purchasing decisions of red bricks in Wailiti, Alok Barat District. The population in this research are consumers of TONI PUTRA's red brick owned by Mr. Antonius Gebang located in the Wailiti sub-district, Alok Barat District. The sample in this research is 96 people. The technique used in this study is the Random Sampling Technique. This research uses descriptive method and quantitative approach. The results of this study indicate that the influence of the independent variable product quality has a positive and significant effect on purchasing decisions, which means that h1 is accepted and h0 is rejected. Based on the results of simple linear regression calculations, it is obtained Purchase Decision = 6.199 + 0.417 (Product Quality). Testing the hypothesis from the calculation of the t test results obtained t count> t table 9.641> 1.6601, which means that h0 is rejected and h1 is accepted. The results show that the coefficient of determination (R square) of the independent variable on the dependent variable is R2 = 0.497 or 49.7%.

GAYA KONSUMTIF DI KALANGAN MAHASISWA: FAKTOR PENYEBAB DAN DAMPAKNYA TERHADAP PENGELOLAAN KEUANGAN

Raisha Nur Azizah — Sat, 18 Apr 2026 00:00:00 +0000

Gaya hidup konsumtif di kalangan mahasiswamerupakan fenomena yang semakinmengkhawatirkan di era modern ini. Mahasiswaberada pada fase transisi yang rentan terhadappengaruh lingkungan sosial, media sosial, sertatekanan gaya hidup hedonis. Tujuan dari kajian iniadalah untuk mengetahui faktor-faktor yang memengaruhi perilaku konsumtif mahasiswa sertadampaknya terhadap kemampuan manajemenkeuangan mereka. Berdasarkan studi literaturmenunjukkan bahwa perilaku konsumtif mahasiswadipengaruhi oleh faktor internal seperti motivasipribadi, kontrol diri, dan gaya hidup hedonis, sertafaktor eksternal seperti pengaruh media sosial, teman sebaya, kemudahan platform belanja daring, dan uang saku. Dampak dari perilaku konsumtif iniadalah menurunnya kemampuan mahasiswa dalammengelola keuangan pribadi. Oleh karena itu, penting untuk meningkatkan literasi keuangan agar dapat mengambil keputusan konsumsi yang lebih bijak.

PERBANDINGAN RASIO LIKUIDITAS DAN SOLVABILITAS PADA PT. UNILEVER INDONESIA TBK DAN PT. KINO INDONESIA TBK PERIODE 2015-2024

Raras Dwiyanti, Puji Muniarty — Sat, 18 Apr 2026 00:00:00 +0000

This study aims to analyze and compare the liquidity and solvency ratios of PT Unilever Indonesia Tbk and PT Kino Indonesia Tbk. The research employs a quantitative comparative approach using secondary data obtained from the companies’ financial statements for the period 2015–2024. The data analysis technique applied is financial ratio analysis, specifically the Current Ratio (CR) and Debt to Equity Ratio (DER). The results indicate that PT Kino Indonesia Tbk has a better level of liquidity compared to PT Unilever Indonesia Tbk, while PT Unilever Indonesia Tbk shows a higher level of solvency. This study is expected to serve as a reference for investors in evaluating the financial performance of companies. This study contributes to the literature by providing comparative financial analysis in the consumer goods sector in Indonesia.

ANALISIS KINERJA KEUANGAN BERDASARKAN RASIO LIKUIDITAS DAN RASIO PROFITABILITAS PADA PT SEMEN INDONESIA (PERSERO) TBK

Yeyen Sartika, Puji Muniarty — Sat, 18 Apr 2026 00:00:00 +0000

This study aims to analyze the financial performance of PT Semen Indonesia (Persero) Tbk based on liquidity and profitability ratios during the period 2015–2024. This research was conducted to determine the company’s ability to meet short-term obligations and generate profits under fluctuating economic conditions. The method used in this study is a descriptive method with a quantitative approach. The data used are secondary data obtained from the company’s annual financial statements through documentation and literature study. The data analysis technique used is descriptive analysis through financial ratios, including Current Ratio (CR) and Quick Ratio (QR) for liquidity, as well as Return on Assets (ROA) and Return on Equity (ROE) for profitability. The results show that the company’s liquidity condition, as measured by CR, is generally in a good category because it is above the standard, although it fluctuates over time. However, the QR indicates that in several periods the company’s ability to meet short-term obligations without relying on inventory is still less optimal. Meanwhile, profitability ratios (ROA and ROE) show a declining trend during the observation period, indicating a decrease in the company’s effectiveness in generating profits from its assets and equity.

Pengaruh Lingkungan Kerja, Disiplin Kerja, Motivasi Kerja Terhadap Kepuasan Kerja Guru (Studi pada Guru SMK di Kecamatan Pondok Aren)

Muhammad Fadli Sodik Ali, Setyani Dwi Lestari — Mon, 20 Apr 2026 00:00:00 +0000

This study aims to examine the effect of the work environment, work discipline, and work motivation on teachers’ job satisfaction. The population of this study consists of vocational high school teachers in Pondok Aren District, with a sample of 78 teachers. Data were collected using a questionnaire with a Likert scale and analyzed using Microsoft Excel and SmartPLS version 4.1.1.6. The sampling technique applied in this study was non-probability sampling with a purposive sampling approach. The results of this study indicate that the work environment has a significant effect on teachers’ job satisfaction. Meanwhile, work discipline does not have a significant effect on teachers’ job satisfaction. Likewise, work motivation does not have a significant effect on teachers’ job satisfaction.

Pengaruh Pelatihan, Disiplin Kerja, dan Kompensasi Terhadap Kepuasan Kerja (Studi Pada Pegawai Kelurahan Sukabumi Selatan)

Ilham Saputra, Hari Subagio — Mon, 20 Apr 2026 00:00:00 +0000

The purpose of this study aims to investigate the effect of Training, Work Discipline, and Compensation on Job Satisfaction at the South Sukabumi Village Office. Using a Likert scale questionnaire, the study involved a sample of 62 respondents with the Non-Probability Sampling method and saturated sample technique. The results of multiple linear regression analysis in SPSS v.26 showed that Training had no effect while Work Discipline and Compensation had a significant effect on Job Satisfaction. These findings provide insight for management in managing Training as well as to improve supportive Work Discipline and Compensation conditions, with practical implications for improving employee/staff Job Satisfaction, organizational effectiveness, and recommendations for further research in this area.

ANALISIS KINERJA KEUANGAN PADA INDUSTRI PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2020-2024

Putri Lutfiyatul Khasanah, C. Tri Widiastuti, Rita Meiriyanti — Mon, 20 Apr 2026 00:00:00 +0000

This study aims to analyze the influence of financial ratios on the financial performance of banking institutions listed on the Indonesia Stock Exchange (IDX) during 2020–2024. The research is based on the crucial role of banking financial performance in maintaining national financial stability, especially during the post-pandemic recovery period. A descriptive quantitative approach with an associative analysis method was employed to examine the relationships among variables using numerical data from banking financial ratios. Multiple linear regression analysis was applied to five independent variables Current Ratio (CR), Operating Expenses to Operating Income (BOPO), Profit margin (PM), Return on Equity (ROE), and Debt to Asset Ratio (DAR) with Return on Assets (ROA) as the dependent variable. The findings show that BOPO has a significant negative effect on ROA, while PM, ROE, and DAR have significant positive effects, and CR shows no significant effect. These results indicate that operational efficiency, profitability, and leverage are the dominant factors influencing banking financial performance. Future researchers are encouraged to include variables such as Non-Performing Loan (NPL), Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), and bank size, as well as adopt panel regression or SEM methods for more comprehensive and in-depth results.

The Effect of Money Supply and Interest Rates on the Indonesia Composite Index (IHSG) in Indonesia

Monika Caramoy Sitorus, Joko Suharianto — Tue, 21 Apr 2026 00:00:00 +0000

This study aims to analyze the effect of money supply and interest rates on the Composite Stock Price Index (IHSG) in Indonesia during the period 2005–2025. The capital market plays a strategic role in the economy as a means of investment and capital accumulation, making the IHSG a key indicator of a country’s economic condition. The variables in this study consist of money supply (M2) and interest rates as independent variables, and the IHSG as the dependent variable. This study employs a quantitative approach using multiple linear regression analysis with EViews 12 software.The partial results indicate that money supply has a positive and significant effect on the IHSG, with a t-statistic value of 8.7332 and a probability value of 0.0000 < 0.05. Meanwhile, interest rates have a negative but not significant effect on the IHSG, with a t-statistic value of 1.156 and a probability value of 0.2628 > 0.05. Simultaneously, money supply and interest rates have a significant effect on the IHSG, as indicated by an F-statistic value of 120.1064 > F-table 3.55 and a probability value of 0.0000 < 0.05. The coefficient of determination (R²) is 0.9302, indicating that 93.02% of the variation in the IHSG can be explained by these two variables, while the remaining is influenced by other factors outside the model.These findings indicate that money supply has a more dominant influence than interest rates in affecting the movement of the IHSG in Indonesia. Therefore, monetary policy that maintains liquidity stability is crucial in supporting investment growth in the capital market.