Efisiensi Penggunaan Modal Kerja pada Agen BRILink dalam Menghadapi Tantangan Ekonomi: Studi Kasus Agen BRILink

DOI: https://doi.org/10.34007/jehss.v8i3.2987
Jamroh Jamroh(1), enik rahayu(2),


(1) Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia
(2) Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia

Abstract


This article aims to analyze the efficiency of working capital utilization at BRILink Agent Arnawama Klepu in facing dynamic economic challenges. The problem focuses on how working capital management is implemented to maintain liquidity, ensure operational continuity, and support business sustainability amid fluctuations in service demand and changing economic conditions within the community. To address this issue, the study employs theoretical frameworks of working capital management, liquidity theory, and operational efficiency in the context of micro financial service enterprises. Data were collected through in-depth interviews with the agent manager and related parties, direct observation of daily operational activities, and supporting documentation, and were analyzed qualitatively using an interactive analysis model. The findings indicate that working capital management at BRILink Agent Arnawama Klepu has been relatively efficient in supporting daily transaction activities and maintaining sufficient cash availability to meet customer needs. However, the achieved efficiency remains operational in nature and has not yet been fully supported by systematic financial planning and structured financial record-keeping. This study concludes that strengthening working capital management through more structured cash planning and orderly financial recording is a strategic step to enhance efficiency, maintain business stability, and improve the adaptability of BRILink Agents in responding to future economic challenges.

Keywords


Working Capital Efficiency; Business Liquidity; Micro Financial Services; Business Sustainability.

Full Text:

PDF
DOI: https://doi.org/10.34007/jehss.v8i3.2987

References


(OJK), O. J. K. (2021). Laporan tahunan industri keuangan digital 2021. Otoritas Jasa Keuangan.

Art, B. A. (2023). Inovasi kreativitas dalam berwirausaha.

Brigham, E. F., & Houston, J. F. (2019). Fundamentals of Financial Management (15th ed.). In engage Learning.

Creswell, J. W. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches.

Cumming, D., Deloof, M., Manigart, S., & Wright, M. (2019). New directions in entrepreneurial finance. Journal of Banking and Finance, 100, 252–260. https://doi.org/10.1016/j.jbankfin.2019.02.008

Eka Giovana Asti; Eka Avianti Ayuningtyas. (2020). PENGARUH KUALITAS PELAYANAN, KUALITAS PRODUK DAN HARGA TERHADAP KEPUASAN KONSUMEN (EFFECT OF SERVICE QUALITY, PRODUCT QUALITY AND PRICE ON CONSUMER SATISFACTION). EKOMABIS: Jurnal Ekonomi Manajemen Bisnis, 01(01), 1–14.

Garcia, P., & Fernandez, J. (2020). Cloud computing solutions for restaurant supply chain management. Computers in Industry, 123, 103300.

Gitman, L. J., & Zutter, C. J. (2022). Principles of Managerial Finance. Pearson Education.

Gujarati, D. N., & Porter, D. C. (2009). Basic Econometrics (5th ed.). McGraw-Hill.

Henry Yuliamir, & Enik Rahayu. (2021). STRATEGI PEMASARAN, KEPUASAN KONSUMEN DAN KINERJA BISNIS DI KARTIKA JAYA KABUPATEN KENDAL, JAWA TENGAH (Studi Deskriptif Kualitatif Strategi Pemasaran dan Rencana Pengembangan Di kartika Jaya Kabupaten Kendal, Jawa Tengah). Jurnal Pengabdian Masyarakat Waradin, 1(1), 48–62. https://doi.org/10.56910/wrd.v1i1.144

L.J Moleong. (2022). Metodologi Penelitian Kualitatif. In Metodologi Penelitian Kualitatif. In Rake Sarasin (Issue Maret). https://scholar.google.com/citations?user=O-B3eJYAAAAJ&hl=en

Mangantar, M., Dan, A., & Baramuli, D. N. (2016). Usaha Mikro Makanan Tradisional Di Kelurahan Dendengan Dalam Kota Manado Tentang Manajemen Modal Kerja. Jurnal LPPMBidang EkoSosBudKum, 3(1), 80–91.

Miles, M.B., Huberman, A. M. (1994). Qualitative Data Analysis (2nd edition).

Moh. Asep Zakariya Ansori, M. Wanri Wahyudin, Neng Ila Nurbaet, Muhamad Rama Isagozi, Siti Azkya Diva, Nadina Amira Zahra, Guslianti Nur, Muhammad Yusuf, & Muhammad Tabroni. (2024). Analisis Literasi Keuangan Penggunaan Fintech Payment Bagi Pelaku Usaha UMKM. Economic Reviews Journal, 3(1), 210–225. https://doi.org/10.56709/mrj.v3i1.130

Munawirsyah, I. (2021). Pengaruh Motivasi Kerja Dan Budaya Organisasi Terhadap Kinerja Karyawan Pada PT. Perkebunan Nusantara III Medan. Bis-A, 10(01), 15–23. https://doi.org/10.55445/bisa.v10i01.22

Sugiyono. (2016). Metode Penelitian Pendidikan (XV). Alfabeta.




DOI: https://doi.org/10.34007/jehss.v8i3.2987

Refbacks

  • There are currently no refbacks.


Copyright (c) 2026 Journal of Education, Humaniora and Social Sciences (JEHSS)

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Journal of Education, Humaniora and Social Sciences (JEHSS)

Publisher: Mahesa Research Center

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International Public License