Journal La Bisecoman

Analysis of the Development of Online Loans and Gen Z Opinions in Makassar City in the Era of Digital Capitalism

Sugianto Sugianto, Hasriani Hasriani, Muhammad Mitsal Islami, Randi Mauna Noor — Fri, 24 Jan 2025 14:12:29 +0700

In its development, online loans have become the choice of many people to meet their needs. This is due to the ease and speed of the process. However, this gives rise to new problems, namely the large number of online loan services that are not registered or illegal, so that their existence is very detrimental to people who make loans, because the loans are carried out by providing unreasonable interest charges. Carrying out a descriptive economic analysis of the development of crime which occurred due to illegal lending in Makassar City in 2023-2024, Analyzing the factors that influence GEN Z to take online loans. The method used in this research is quantitative and qualitative research or what is usually called Mix Method. The results of this research are that the growth of online loan companies is increasing every year, but for those registered with the OJK it is decreasing, the development of online loan crime is increasing rapidly, this can be seen from the number of complaints to the OJK and the news circulating, Lifestyle factors have no significant influence on loans. Online, the Need Factor has a positive and significant effect on Online Loans, Access to Financial Institutions has a positive and significant effect on Online Loans. research.

Strategy of Implementing Blue Economy Policy in Developing Marine Tourism

Mon, 27 Jan 2025 18:03:07 +0700

Promoting the blue concept economy in developing marine tourism to maintain and preserve the natural environment is not an easy thing, so a strategy is needed for its implementation. This study aims to analyze the implementation strategy of blue economy policy in developing marine tourism in Makassar City. This study uses a qualitative research approach with data collection methods, namely observation, in-depth interviews, and documentation. Informants in this study are parties who are authorized and directly involved in the management of marine tourism development in Makassar City. Data sources consist of primary and secondary data. The data analysis technique used is an interactive analysis model. The results of the study show that in the implementation of the blue economy policy on the development of marine tourism in Makassar City, the strategy as a pattern, position, perspective, and game has been quite good, only the strategy as a plan can be said to be still lacking. This is because of the legal products or policies and regulations related to the blue economy There is no policy yet, but there are practices for developing marine tourism that are oriented towards blue economy policy have been implemented especially in the coastal and beach areas of Makassar City.

Effectiveness in Handling People with Mental Disorders

Usman Usman, Akmal Ibrahim , Hasniati Hasniati, Tang Abdullah — Mon, 27 Jan 2025 18:08:24 +0700

This study is intended to determine the effectiveness of the policy for handling ODGJ in North Kalimantan Province. Following what is contained in Law Number 18 of 2014 concerning Health Soul, effort, and health are held through promotive, preventive, curative, and rehabilitation and carried out in a way integrated, comprehensive, and continuous, together with cross-program and cross-sector related. The data were then compiled in a qualitative study. The results of this study indicate that the implementation of ODGJ handling in North Kalimantan Province has not been carried out optimally, many things need to be improved, closely related to the implementation of budget shortage problems, inadequate service facilities and a clear legal umbrella from associated agencies in the focus of ODGJ handling.

Analysis Implementation Strategy Global Operations: A Case Study

Serlin Serang, Ardi Mahrifal Hi Taher, Miftahul Chair, Albani Mukti Adrias — Fri, 31 Jan 2025 10:11:40 +0700

This study analyzes the implementation of global operational strategies by Adidas, focusing on the company's approaches to sustaining competitiveness amidst dynamic global market challenges such as geopolitical risks, economic fluctuations, and diverse consumer preferences. Using a qualitative methodology based on literature reviews and secondary data, the research explores Adidas' strategies in supply chain management, product innovation, market adaptation, and sustainability. The findings highlight Adidas' success in employing integrated strategies, including market diversification, efficient supply chain management, production relocation, and investment in digital technologies, while maintaining a strong commitment to sustainability. These practices not only enhance Adidas' competitive edge but also provide valuable insights for other multinational companies navigating the complexities of global operations.

The Effect of Company Growth and Inflation on Company Valuation

Robi Sunjaya, Agus Munandar — Thu, 13 Feb 2025 06:36:54 +0700

The purpose of this research is to examine how corporate expansion and inflation affect the worth of companies in the resort, cruise, and hospitality industries that are listed on the Indonesia Stock Exchange (IDX). The study makes use of secondary data that was obtained from these firms' 2018–2022 annual financial reports. By employing a purposive sampling technique, 15 companies were selected, resulting in 75 observations aligned with the study's objectives. Panel data analysis techniques were used to examine the data. The results show that although inflation has a positive and considerable impact on company value, sales growth has no discernible effect. Second, the joint effect of sales growth and inflation accounts for most of the observed value growth in firms. This has important implications for company management, as they need to leverage firm value for competitive advantages in rapidly changing market conditions.

The Influence of Promotion and Price on Purchase Decisions of Chicken Cuts Sellers

Muh. Fiqri Mustari, Edy Jumady, Muh. Rusni — Fri, 14 Feb 2025 11:12:40 +0700

The influence of promotion and price on purchasing decisions at CV. Cahaya Huspi chicken sellers in Makassar, MUH. FIQRI MUSARI 2024. The purpose of this study was to determine the influence of promotion and price on purchasing decisions. The method used in this study was a survey method with a quantitative approach, namely by emphasizing hypothesis testing. The sample in this study were consumers who made purchases at Cahaya Huspi Makassar with a total of 97 participants from 161 questionnaires distributed. The sampling technique used the Accidental Sampling method by setting a time limit for distributing the questionnaire for two weeks. Data collection methods through questionnaires and direct observation. The data analysis used was descriptive quantitative using the SPSS program with a simple Linear Regression analysis method.

Implementation of Corporate Social Responsibility in the Travel Industry in the Development of Sustainable Tourism

Andi Athirah, Masiyah Kholmi — Fri, 21 Feb 2025 12:36:07 +0700

The development of the tourism industry has a significant impact on the economic, society, and the environment, but it also poses challenges related to negative impacts on natural resources and social life. The implemention of Corporate Social Responsibility (CSR) in the travel industry plays an important role in supporting the development of sustainable tourism. This research aims to analyze the evolution of the concept of Social Responsibility, which is still minimally applied in the tourism sector, and review innovative best practices with a strategic approach in the industry, which can have a positive impact on sustainable tourism development and community economic improvement. This study adopts qualitative research methods complemented by descriptive analysis to describe and understand the phenomenon being studied. This research result show that the implementation of CSR in the travel industry is still at varying stages, but there are already initiatives that show positive direction, such as educating the travelers about the importance of sustainability practices and investing in social projects that support the local economy.

The Role of Financial Literacy and Digital Innovation in Enhancing SME Performance

Asrini Rini, Kurniawan Kurniawan, Amrizal Salida, Haeril Haeril, Emil Fatra — Sat, 22 Feb 2025 00:00:00 +0700

This study investigates how Financial Literacy and Digital Innovation contribute to the performance of Micro, Small, and Medium Enterprises (MSMEs). It fills a gap in empirical research concerning the effects of financial literacy and digital innovation on MSME growth. A conceptual framework grounded in agency theory has been established. The research involved distributing 200 questionnaires to MSME stakeholders in Sidenreng Rappang District, South Sulawesi. Data was gathered through surveys and analyzed using multiple regression to evaluate the influence and interaction of these two factors on MSME performance. Hypotheses were tested via multiple linear regression to assess how independent variables affect the dependent variable. The results show that both financial literacy and digital innovation have a significant individual impact on MSME performance. Moreover, the interaction of financial literacy and digital innovation also positively influences MSME performance. These findings are anticipated to offer valuable insights for policymakers in crafting programs that enhance MSME growth through improved financial literacy and digital innovation. Additionally, academics can further contribute to the advancement of new theories and knowledge in this area.Keywords: Financial Literacy, Digital Innovation, SME Performance.

The Effect of Discount Flash Sale on Online Impulsive Buying of Mercubaktijaya University Students at Shopee Marketplace

Yovita Yulia M. Zai, Rahmi M Nur, Siti Nur Hafiza — Sat, 22 Feb 2025 14:35:49 +0700

The development of digital technology is currently triggering an online shopping model characterized by the development of marketplaces and online marketing strategies to attract consumer interest. This study aims to determine whether there is an influence between the marketing strategy of the Shopee discount flash sale marketplace on online impulsive buying. This research is a quantitative study where the sample determination uses Non-Probability Sampling with Purposive Sampling technique to Mercubaktijaya University Padang students. Data was obtained through a questionnaire distributed with a sample size of 100 respondents. The analysis technique uses multiple linear regression and hypothesis testing using the F test and t test. The data was processed using SPSS (Statistical Package for the Social Sciences) software version 26. The results showed that the correlation between the discount flash sale variable and online impulsive buying showed a positive correlation relationship with a value of 0.546 with a correlation strength level of moderate. There is an influence between the discount flash sale variable on online impulsive buying. This can be seen in the value of t count) (2.128) > t table (1.98422), and the significance value (0.036) <0.05. When viewed from the coefficient beta value, the discount flash sale variable has a contribution in online impulsive buying of 0.270 which shows a unidirectional relationship between the discount flash sale variable and online impulsive buying, which means that if the activity of the discount flash sale increases, it will make impulsive buying activity on Shopee increase as well.

The Role of Artificial Intelligence in Human Resource Management: Enhancing Employee Age Verification for Legal Compliance and Workforce Optimization

Radhityana Luktri Utami — Thu, 20 Mar 2025 12:21:55 +0700

Artificial Intelligence (AI) has emerged as a transformative tool in Human Resource Management (HRM), particularly in employee age verification for legal compliance and workforce planning. Verifying employee age is crucial in ensuring adherence to labor regulations that prohibit child labor and enforce age-related employment restrictions, especially in high-risk industries such as construction and manufacturing. This study explores how AI-based dental radiographic analysis can be integrated into HRM to provide a more objective, accurate, and fraud-resistant alternative to conventional identity verification methods. The research examines various AI techniques, including deep learning models such as ResNet, VGG16, and EfficientNet, and machine learning approaches like Random Forest and Support Vector Machines, which enhance classification accuracy in age estimation. While AI has demonstrated high efficiency in forensic and medical applications, its adaptation to HRM requires addressing critical challenges, including data privacy concerns, regulatory acceptance, and cost-effectiveness. Additionally, integrating AI into HRM demands a framework that aligns with labor laws and ethical considerations to ensure compliance and minimize potential biases in AI-based decision-making. This study suggests that AI-driven age verification can improve recruitment accuracy, support legal workforce management, and reduce risks associated with underage employment. Future research should focus on the economic feasibility of AI implementation in HRM, sector-specific case studies, and regulatory frameworks that facilitate AI adoption in labor compliance.