MAMEN: Jurnal Manajemen

Strategi Pengembangan Green Banking dalam Pembiayaan Berkelanjutan: Tantangan dan Peluang bagi Perbankan Syariah di Indonesia

Risma Wati — 2025-04-20

The global climate crisis has become a critical global issue that negatively impacts the survival of living beings in the future, necessitating the involvement of various sectors, including banking. The banking sector plays a significant role in channeling financing to those in need, such as industries and society, by implementing the concept of green banking. Sustainable financing aims to support development that meets present needs without compromising future generations. Green banking emphasizes investments that consider environmental, social, and governance (ESG) impacts while maintaining a balance between financial profit and environmental sustainability. Green banking also plays a crucial role in supporting Indonesia's commitment to reducing carbon emissions within the context of developing environmentally friendly technologies and green financing. This study aims to identify gaps in the implementation of green banking and outline the challenges and opportunities for the banking sector in realizing a more sustainable financial system. Using a qualitative research method based on a literature review, this study finds that while green banking has the potential to support economic and environmental sustainability, its implementation is hindered by low green financial literacy among the public, regulatory limitations, and a lack of incentives for Islamic banks. However, opportunities remain open through government policies, increased public awareness, and financial sustainability innovations. Therefore, collaboration between the government, the banking sector, and society is a key factor in the successful implementation of the green banking concept in promoting green economic sustainability within the Islamic banking system.

Analisis Pengaruh Green Banking terhadap Pertumbuhan Usaha Mikro, Kecil, Menengah (UMKM) E-Commerce Indonesia: Dengan Perspektif Pelaku Usaha

Elfa Duwina — 2025-04-20

This study examines how the implementation of green banking principles affects the growth of Micro, Small, and Medium Enterprises (UMKM) in the Indonesian e-commerce sector. Using a qualitative approach with a case study method, this study focuses on two main aspects: access to sustainable funding and the impact of environmental education programs. The aim is to understand how these two factors affect the performance and sustainability of e-commerce UMKM. UMKM that have participated in the green banking program were selected as the subjects of the study. Data were collected through structured interviews to obtain direct information from business actors, as well as analysis of related documents such as financial reports and business strategies. Thematic analysis methods were used to identify patterns and themes that emerged from the data, revealing the relationship between green banking and UMKM success. The results of the study are expected to provide real contributions in designing effective and environmentally friendly strategies to support the growth of sustainable e-commerce UMKM. These findings will be useful for policymakers and financial institutions in formulating policies and programs that encourage the adoption of sustainable business practices in the Indonesian e-commerce sector. This study aims to provide a foundation for greener and more sustainable economic development.

Implementasi CSR terhadap Kemaslahatan Stakeholder Perspektif Maqashid Syari’ah pada Bank Bukopin Syari’ah Indonesia

Alfi Khilmi Khusnia — 2025-04-20

The problem found in the Islamic bank Bank Bukopin Syariah in the implementation of CSR programs is that there are still many criteria that have not been explained in detail and have not been implemented, this causes stakeholders to lose confidence in the bank if the promised CSR program is not realized. And if some of the criteria do not work, it will reduce the concept of Sharia with the application of Maqashid Sharia in the bank. Islamic law requires Muslims not only to be guided by the Al-Quran and As-Sunnah alone, but also to be subject to the objectives of Sharia, namely Maqasid Sharia in CSR activities in banking. This study aims to examine the implementation of CSR towards stakeholder benefits from the perspective of Maqashid Sharia at Bukopin Syariah Bank in Indonesia. The results of this study prove that Bukopin Syariah Bank is able to meet several criteria contained in maqashid sharia, namely ad-dharuriyyah and al-hajiyyah. Although maqashid at-tahsiniyyah has not been fulfilled, Bukopin Syariah Bank is still trying to implement CSR programs that are related to maqashid at-tahsiniyyah criteria.

Strategi Peningkatan Daya Saing UMKM Kuliner di Era Digital: Studi Kasus pada Pelaku Usaha di Kota Semarang

Muh Fajrul — 2025-04-20

Culinary MSMEs in Semarang City make significant contributions to the regional economy (22% of local revenue), yet face challenges such as low digital adoption (only 18% of MSMEs utilize technology optimally), raw material inflation (15-20%), and competition with modern franchises. This study analyzes competitiveness enhancement strategies through a qualitative case study approach involving 15 traditional culinary MSMEs (Lumpia, Bandeng Presto, Tahu Gimbal) that use at least one digital platform. Data was collected through interviews, observations, and document analysis, then evaluated using an integrated SWOT matrix (RBV, Dynamic Capabilities, and Institutional Theory). The findings reveal: (1) Iconic products possess competitive advantages based on local wisdom, yet 72% of MSMEs fail to optimize digital branding; (2) Adoption of TikTok Shop and GoFood increases revenue by up to 40%, but is hindered by low digital literacy among older generations (58% can only upload product photos); (3) Technology-based upstream-downstream collaboration (e.g., blockchain) is required to mitigate inflation and logistics risks; (4) Government programs (Digital KUR, Semarang MSME Digital Hub) serve as transformation catalysts. In conclusion, competitiveness strategies require the integration of three aspects: optimization of local products, enhanced digital capabilities, and policy synergy. Recommendations include practical digital training, creative packaging innovation, and strengthening support ecosystems. This study contributes the Digital Heritage Culinary Framework model, applicable to other heritage cities.

Pengaruh Literasi Keuangan Syariah, Religiusitas, Inklusi Keuangan Syariah, Layanan Digital M-Banking

Lia Hanisa Rahmawati — 2025-04-20

This study aims to find out how Islamic financial literacy, religiosity, Islamic financial inclusion, and digital m-banking services affect Generation Z's savings decisions at Bank Syariah Indonesia (BSI) in Bandar Lampung from 2020 to 2024. Generation Z, which is made up of people born between 1997 and 2012, is considered to be a more religious and technology-adaptive group. With Islamic banking becoming more popular in Indonesia, it is important to understand how people behave financially, especially when making savings decisions. To investigate the relationship between the variables of Islamic financial literacy, religiosity, Islamic financial inclusion, and digital m-banking services on savings decisions, this study uses a quantitative approach with the Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis method. The sample in this study was obtained through purposive sampling technique to BSI customers aged 18–27 years who are actively using m-banking services. Data collection was carried out through a questionnaire with a Likert scale. The results of the study showed that all independent factors of Islamic Financial Literacy, Religiosity, Islamic Financial Inclusion, and M-Banking Digital Services had a positive and significant effect on saving decisions. Sharia Financial Literacy is the most dominant factor influencing saving decisions, followed by Sharia Financial Inclusion, Religiosity, and M-Banking Digital Services.

Model Pengumpulan dan Pendistribusian Dana Infaq sebagai Instrumen Pemberdayaaan Ekonomi Umat (Studi Kasus di Yayasan Nurul Ashri Yogyakarta)

Sugianto Sugianto — 2025-04-20

This study aims to analyze the model of collecting and distributing infaq funds at the Nurul Ashri Foundation Yogyakarta as an instrument for economic empowerment of the people. The focus of the article is to find out the model of collecting infaq of the Nurul Ashri Foundation, the distribution of infaq funds, and the economic empowerment of the ummah through infaq funds. This article uses a qualitative method with a field approach, where the researcher goes directly into observing and interacting with the subject to understand the phenomenon discussed. The research sample consisted of employees of the Nurul Ashri Foundation, Secretary, Treasurer, and Division Coordinator. Data was collected through observation, interviews, and documentation to gain an in-depth understanding of the collection and distribution of infaq funds at the Nurul Ashri Yogyakarta Foundation. Data analysis is carried out through four stages: collection, reduction, presentation, and drawing conclusions. This study concludes that the Nurul Asri Mosque develops a model of infak collection with social, digital, and transparent approaches, which increases public participation and trust. The Nurul Ashri Foundation distributes infak funds for educational, social, and religious purposes, with programs such as vegetable wholesale and educational scholarships that have a positive impact. In addition, infak funds are used for economic empowerment through borewell programs, skills training, entrepreneurship, and pre-marriage classes that strengthen the capacity of individuals and families.

Brand Image as Mediator: Food and Facility Quality's Impact on Purchase Intention in North Sumatra

Daniel Cassa Augustinus — 2025-04-20

This study investigates the declining purchase intention in a restaurant ABC in North Sumatra, driven by challenges related to brand image, food quality, and facility quality. Data shows fluctuating sales revenue, with a significant drop in 2023, accompanied by negative customer reviews on parking, cleanliness, and inconsistent food quality. These phenomena highlight critical areas of concern that directly influence customer behavior. Through a quantitative approach utilizing customer questionnaires and multiple linear regression analysis, the study evaluates the impact of food quality and facility quality on purchase intention, with brand image serving as a mediator. Results indicate a positive relationship among these variables, with food quality exerting the strongest influence. The findings are contextualized against prior research to emphasize the unique challenges faced in North Sumatra. The study concludes that addressing gaps in food quality, enhancing brand image, and improving facilities can significantly boost customer purchase intention. Practical recommendations are provided to guide businesses in North Sumatra in implementing strategies for sustained growth and customer satisfaction.

Analisis Pemanfaatan Instagram sebagai Media Promosi (Studi pada Toko Kue Shirouoshien Palembang)

Rafi Anggara — 2025-04-20

Technology is very helpful in introducing the products and services offered, providing easier access to the introduction and dissemination of wider information, promotions that can be done anytime and anywhere, and have a wide range. Shirouoshien cake shop is a business engaged in the culinary field by offering various types of cakes, both wet and dry cakes. Instagram is one of the social media that is actively used to promote the products offered and advertised with certain periodicity. The information provided is a photo of the product and writing information that is shared once every day. Promotion results are visible on the professional dashboard with information on impressions, interactions, new followers and shared content. Shirouoshien cake shop does not really utilize Ads due to limited costs and less than optimal use of paid advertising. The method used is descriptive qualitative research with a case study approach. The qualitative approach is included in naturalistic inguiry, which requires humans as a means because this research is full of naturalistic content.

Pengaruh Kualitas Produk, Lifestyle dan WOM terhadap Keputusan Pembelian di Restaurant La Moda

Raindo Hartaman — 2025-04-20

This study was designed to investigate product quality, lifestyle and WOM on purchasing decisions at La Moda restaurant located in Central Jakarta. The study population involved regular and potential consumers of La Moda in Central Jakarta. Through this study, it is expected to obtain in-depth insights into consumer preferences and perceptions of key aspects that influence their experience at this restaurant. The data collection method used was accidental sampling with the application of the Roscoe technique, and the number of samples involved reached 150 respondents. The research instrument was compiled using a Likert scale and tested through validity and reliability tests. Data analysis was carried out using multiple linear regression using SPSS 25, and was preceded by testing classical assumptions such as normality, heteroscedasticity, multicollinearity, and linearity tests. The results of the analysis showed that partially, lifestyle and WOM variables had a significant influence on purchasing decisions. Conversely, the product quality variable did not show a significant effect partially on the dependent variable. Simultaneously, the three independent variables, namely product quality (X1), lifestyle (X2), WOM (X3), influence purchasing decisions (Y).

Pengaruh Perceived Organizational Support terhadap Work Engagement dengan Psychological Capital sebagai Mediasi dan Negative Affectivity Sebagai Moderasi

Teguh Adi Partama — 2025-04-20

In modern organizational dynamics, employee work engagement levels fluctuate significantly, especially amidst increasing work pressures and evolving organizational expectations. Studies show that low work engagement negatively impacts employee productivity, innovation and retention. This study uses negative affectivity as a moderator and psychological capital as a mediator to examine the relationship between perceived organizational support and work engagement. With a population of 250 employees and a sample of 72 respondents selected using random sampling procedures, the methodology used is quantitative. Questionnaires, observation, and documentation were used to collect data. The conditional process approach was then used to analyze the data and test the direct, mediating, and moderating relationships between the variables. The findings show that psychological capital and work engagement are positively influenced by perceived organizational support. This suggests that psychological capital mediates the relationship between perceived organizational support and work engagement and has a beneficial impact on work engagement as well. Although it reduces the impact of perceived organizational support on work engagement, negative affectivity does not reduce the impact of perceived organizational support on psychological capital. However, the relationship between psychological capital and work engagement was not moderated by negative affect.