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All Journal ABDI MASSA: Jurnal Pengabdian Nasional ⁠International Journal of Sustainable Social Culture, Science Technology, Management, and Law Humanities Jurnal Ilmu Manajemen dan Akuntansi Nusantara (JIMAKUN)
Tri Hutomo Yogiantoro
Universitas 17 Agustus 1945 Surabaya
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Public Health Other

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Pengaruh Penggunaan E-Wallet Terhadap Pengeluaran Mahasiswa Universitas 17 Agustus 1945 Surabaya Tri Hutomo Yogiantoro
Jurnal Ilmu Manajemen dan Akuntansi Nusantara Vol. 2 No. 2 (2026): JIMAKUN - Juli
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jimakun.v2i2.1705

Abstract

This study aims to analyze the impact of e-wallet usage on the spending patterns of students at Universitas 17 Agustus 1945 Surabaya. The development of digital financial technology has altered consumption behavior among the public, particularly students. The convenience of transactions and the various promotions offered by e-wallets are believed to drive an uncontrolled increase in student spending. Focusing on students at Untag Surabaya as the specific subject, this study employs a simple quantitative approach that reflects the students' actual circumstances. Data were collected via student questionnaires and analyzed using simple linear regression. The results indicate that e-wallet usage has a positive and significant impact on student spending; higher e-wallet usage correlates with a greater tendency for increased spending. These findings highlight the importance of financial literacy in the use of digital technology.
The Role of Customer in Risk Prevention and Complaint Handling in Banking Adrian Dewa Mutiara Sakti; Tri Hutomo Yogiantoro; Nasha Aurellya Putri Intiati; Ida Ayu Nuh Kartini
⁠International Journal of Sustainable Social Culture, Science Technology, Management, and Law Humanities Vol. 3 No. 1 (2026)
Publisher : Universitas Kristen Cipta Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71131/r0b5b910

Abstract

The banking sector relies heavily on service quality to maintain public trust and financial stability. This study analyzes the strategic role of customer service in risk prevention and complaint handling at Bank Jatim, a regional development bank in East Java. Using a qualitative descriptive approach, data were collected through in-depth interviews with customer service officers and documentation reviews. The research focuses on identifying the types of customer complaints, the procedures for handling them, and the role of customer service as a frontline defense against operational and reputational risks. The findings reveal that the most frequent complaints relate to transaction failures, such as ATM cash withdrawals and real-time transfers. Customer service officers mitigate operational risks by verifying data accuracy and ensuring compliance with standard operating procedures (SOPs). Furthermore, they prevent reputational risks through empathetic communication and transparent complaint resolution. The study concludes that customer service is not merely a support function but an integral component of the bank's risk management system, contributing significantly to customer trust and operational stability.
PENINGKATAN DAYA SAING UMKM MELALUI PELATIHAN PERSONAL BRANDING DAN DIGITAL MARKETING DI DESA SUKOREJO KECAMATAN SIDAYU KABUPATEN GRESIK Nekky Rahmiyati; Endang Indartuti; Tri Hutomo Yogiantoro; Diah Ayu Susiloningtias
ABDIMAS Vol 6 No 04 (2026): PENGABDIAN MASYARAKAT
Publisher : COMMUNITY OF RESEARCH LABORATORY SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69957/abdimass.v6i04.2969

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran penting dalam mendukung pertumbuhan ekonomi dan penciptaan lapangan kerja. Namun, perkembangan teknologi digital menuntut pelaku UMKM untuk memiliki identitas usaha yang kuat dan mampu memanfaatkan media digital sebagai sarana pemasaran. Pelaku UMKM di Desa Sukorejo, Kabupaten Gresik masih menghadapi berbagai kendala, antara lain belum memiliki personal branding yang jelas, identitas visual yang menarik, serta belum mengoptimalkan media sosial untuk kegiatan promosi. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan pengetahuan dan keterampilan pelaku UMKM dalam membangun personal branding dan menerapkan digital marketing guna meningkatkan daya saing usaha. Kegiatan dilaksanakan di Desa Sukorejo, Kabupaten Gresik dengan melibatkan 15 pelaku UMKM melalui metode Participatory Learning and Action (PLA) yang meliputi identifikasi kebutuhan, ceramah interaktif, diskusi, praktik penyusunan identitas usaha, pendampingan, dan evaluasi. Hasil kegiatan menunjukkan peningkatan pemahaman peserta mengenai pentingnya personal branding, kemampuan menyusun nama usaha, logo, slogan, menentukan target konsumen, serta memanfaatkan Instagram, Facebook, TikTok, WhatsApp Business, dan YouTube sebagai media promosi. Kegiatan ini berimplikasi pada meningkatnya kapasitas pelaku UMKM dalam membangun citra usaha yang profesional, memperluas jangkauan pemasaran, dan meningkatkan daya saing produk di era digital.
Co-Authors Adrian Dewa Mutiara Sakti Diah Ayu Susiloningtias Endang Indartuti Kartini, Ida Ayu Nuh Nasha Aurellya Putri Intiati Nekky Rahmiyati