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All Journal Jurnal Investasi Islam Jurnal Ekonomi dan Bisnis Journal of Economics and Management Scienties Jurnal Ekonomi, Manajemen, Akuntansi JPMB : Jurnal Pengabdian Masyarakat Berkelanjutan
Evinalia Yeba
Universitas Palangka Raya
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences

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PERAN KEGIATAN OPERASIONAL KREDIT DALAM MENDUKUNG KELANCARAN ADMINISTRASI KREDIT: PENGALAMAN MAGANG DI PT BANK RAKYAT INDONESIA (PERSERO) TBK BRANCH OFFICE PALANGKA RAYA Fifi Tri Wulandari; Evinalia Yeba
Jurnal Pengabdian Masyarakat Berkelanjutan Vol. 2 No. 2 (2026): Jurnal Pengabdian Masyarakat Berkelanjutan (JPMB), Juni 2026
Publisher : Yayasan Nusa Cendekia Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64020/jpmb.v2i2.46

Abstract

The Independent Impact Internship program is designed as a vehicle for experiential learning to align students' academic competencies with the real needs of the banking industry. This field practice-based study aims to analyze the configuration of credit operational workflows, the integration mechanism of digital archiving systems, and the resolution of administrative constraints at PT Bank Rakyat Indonesia (Persero) Tbk Palangka Raya Branch Office. The method used in this study is descriptive qualitative with a participatory case study design, where primary data was collected directly through participatory observation and daily logbook records over a four-month period, from January 22 to May 26, 2026. The implementation results indicate that the credit operational architecture at the branch office operates under the Prudential Banking Principle using an assembly line system. The smoothness of liquidity disbursement at the front line highly depends on the administrative order of the back office, which includes legal document validation, registration of bookkeeping documents (UM06), digital archive migration into the Brimen application ecosystem, and physical management of collateral documents in fireproof rooms. Nevertheless, operational service efficiency still faces several technical bottlenecks, such as centralized wet-signature-based authorization, the risk of physical document accumulation due to high daily input volumes, and the lengthy turnaround time for processing pre-auction files at external agencies. As a solution, technological optimization through digital signature acceleration, restructuring daily scanning workloads, and establishing formal Service Level Agreements (SLA) with local bureaucratic agencies are crucial for sustainable implementation.
Pengaruh Keputusan Investasi, Keputusan Pendanaan, Profitabilitas Dan Ukuran Perusahaan Terhadap Nilai Perusahaan Pada Sektor Teknologi Yang Terdaftar Di Bursa Efek Indonesia Periode 2021-2024 Adityo Yudho Saputro; Luluk Tri Harinie; Ronni Haga; Evinalia Yeba
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 5: Juli 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i5.17522

Abstract

Perkembangan sektor teknologi di Indonesia mendorong meningkatnya minat investor, namun fluktuasi harga saham perusahaan teknologi menunjukkan adanya ketidakpastian terhadap nilai perusahaan. Penelitian ini bertujuan untuk menganalisis pengaruh keputusan investasi, keputusan pendanaan, profitabilitas, dan ukuran perusahaan terhadap nilai perusahaan pada perusahaan sektor teknologi yang terdaftar di Bursa Efek Indonesia periode 2021–2024. Penelitian ini menggunakan metode kuantitatif dengan data sekunder berupa laporan keuangan tahunan. Sampel penelitian diperoleh menggunakan purposive sampling sebanyak 19 perusahaan dengan total 76 data observasi. Analisis data menggunakan regresi linear berganda dengan bantuan IBM SPSS 27. Hasil penelitian menunjukkan bahwa keputusan pendanaan dan profitabilitas berpengaruh signifikan terhadap nilai perusahaan, sedangkan keputusan investasi dan ukuran perusahaan tidak berpengaruh signifikan. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap nilai perusahaan. Implikasi penelitian ini menunjukkan bahwa perusahaan teknologi perlu meningkatkan profitabilitas dan mengelola struktur pendanaan secara optimal guna meningkatkan nilai perusahaan dan kepercayaan investor.
Pengaruh Gaya Kepemimpinan Transformasional Dan Motivasi Kerja Terhadap Kinerja Guru Dengan Kepuasan Kerja Sebagai Variabel Mediasi (Studi Pada SDN di Kota Kuala Pembuang II) Muhamad Reja Akhir Saputra; Roby Sambung; Indah Nur Oktavia; Evinalia Yeba
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 5: Juli 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i5.18763

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh gaya kepemimpinan transformasional dan motivasi kerja terhadap kinerja guru dengan kepuasan kerja sebagai variabel mediasi pada Sekolah Dasar Negeri (SDN) di Kota Kuala Pembuang II. Penelitian ini dilatarbelakangi oleh masih adanya perbedaan tingkat kinerja guru dalam aspek perencanaan pembelajaran, pelaksanaan pembelajaran, evaluasi hasil belajar, pengelolaan kelas, dan pengembangan profesional. Selain itu, gaya kepemimpinan kepala sekolah dan motivasi kerja guru diduga memengaruhi kepuasan kerja serta kinerja guru. Penelitian ini menggunakan pendekatan kuantitatif dengan metode explanatory. Populasi penelitian terdiri dari seluruh guru ASN (PNS dan PPPK) SDN di Kota Kuala Pembuang II sebanyak 54 orang dengan teknik total sampling. Pengumpulan data dilakukan melalui kuesioner menggunakan skala Likert dan dianalisis menggunakan Partial Least Square (PLS) dengan bantuan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa gaya kepemimpinan transformasional dan motivasi kerja berpengaruh positif dan signifikan terhadap kinerja guru. Selain itu, kepuasan kerja mampu memediasi pengaruh kedua variabel tersebut terhadap kinerja guru.
Financial Literacy, Financial Technology, and Access to Finance as Determinants of MSME Sustainability: Evidence from Culinary MSME in Palangka Raya Johannes Ficher Sinaga; Rita Sarlawa; Evinalia Yeba; Dhina Sri Widyaningsih
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16013

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in economic growth; however, their sustainability remains constrained by low financial literacy, limited utilization of financial technology (fintech), and restricted access to financing. Previous studies have reported inconsistent findings regarding the effects of these factors on MSME sustainability, indicating the need for further empirical evidence, particularly in the culinary sector. This study aims to examine the effects of financial literacy, financial technology, and access to finance on the sustainability of culinary MSMEs in Palangka Raya City. A quantitative survey approach was employed. A total of 98 respondents were selected using purposive sampling, while the sample size was determined using the Slovin formula. Data were analyzed using multiple linear regression with SPSS version 27. The results indicate that financial literacy has a positive and significant effect on MSME sustainability (β = 0.269; p < 0.001), financial technology has a positive but insignificant effect (β = 0.049; p = 0.567), and access to finance has a positive and significant effect (β = 0.243; p = 0.002). Simultaneously, the three independent variables significantly influence MSME sustainability (F = 15.665; p < 0.001), with an adjusted coefficient of determination of 33.3%. These findings suggest that improving financial literacy and expanding access to finance are essential for enhancing MSME sustainability, whereas the utilization of financial technology should be optimized to generate greater business value. This research provides a scientific contribution by strengthening the empirical evidence regarding the integration of financial literacy, financial technology, and access to finance in explaining MSME sustainability through the perspectives of the Resource-Based View, Behavioral Life Cycle Theory, and Technology Acceptance Model.
Pengaruh Literasi Keuangan, Gaya Hidup, dan Self-Control terhadap Perilaku Utang Informal Masyarakat Kota Palangka Raya Kezia Aprilia Salomita; Vivy Kristinae; Agustina Muliyani; Evinalia Yeba
JUEB : Jurnal Ekonomi dan Bisnis Vol. 5 No. 2 (2026): JUEB: Jurnal Ekonomi dan Bisnis
Publisher : Yayasan Jompa Research and Development

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57218/jueb.v5i2.3028

Abstract

Kajian ini menginvestigasi peran literasi keuangan, gaya hidup, dan self-control terhadap kecenderungan masyarakat Kota Palangka Raya dalam melakukan pinjaman informal kepada keluarga, kerabat, atau teman   dimensi yang selama ini kurang mendapat perhatian dalam literatur akademis. Sebanyak 100 responden dipilih secara purposive dan dianalisis menggunakan SEM-PLS melalui SmartPLS. Pengujian parsial menghasilkan tiga temuan: pemahaman keuangan yang tinggi menekan kecenderungan berutang (β = -0,462; t = 6,088; p = 0,000), pola hidup konsumtif mendorong perilaku tersebut (β = 0,230; t = 2,806; p = 0,005), dan regulasi diri yang kuat efektif meredamnya (β = -0,221; t = 2,365; p = 0,018). Secara simultan, ketiganya menjelaskan 49,5% keragaman perilaku berutang (R² = 0,495). Temuan ini menegaskan bahwa penguatan literasi keuangan dan kemampuan regulasi diri merupakan strategi krusial dalam mengurangi ketergantungan pada pinjaman informal yang tidak terencana.
Pengaruh Perilaku Keuangan, Kontrol Diri, dan Skala Pengetahuan Keuangan Digital (DFKS) terhadap Perilaku Menabung Mahasiswa Perantau Jurusan Manajemen Universitas Palangka Raya Marsha Denanda Putri; Rita Sarlawa; Ronni Haga; Evinalia Yeba
Journal of Economics and Management Scienties Volume 8 No. 4, September 2026 (Accepted)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v8i4.536

Abstract

This study aims to analyze the effect of financial behavior, self-control, and Digital Financial Knowledge Scale (DFKS) on the saving behavior of overseas students majoring in Management at Palangka Raya University. The research employs a quantitative approach using Structural Equation Modeling-Partial Least Square (SEM-PLS) samples were selected using a proportional stratified random sampling technique, yielding 171 respondents from a total population of 300 overseas students, and data were collected through a questionnaire employing a 1-5 Likert scale. The results indicate that financial behavior has a positive and significant effect on saving behavior, self-control, has the stronger influence on saving behavior and (DFKS) also demonstrate a positive and significant effect. The three variables simultaneously explain 80,4% of the variance in saving behavior (R2 = 0,804). These findings confirm the Theory of Planned Behavior (TPB) framework, where attitude (financial behavior) perceived behavioral control (self-control), and external supporting factor (Digital Financial Knowledge Scale) collectively contribute to actual saving behavior. This study recommends integrating personal financial management and digital financial literacy materials into the curriculum, as well as organizing regular seminars for overseas students.
Co-Authors Adityo Yudho Saputro Agustina Muliyani Dhina Sri Widyaningsih Fifi Tri Wulandari Indah Nur Oktavia Johannes Ficher Sinaga Kezia Aprilia Salomita Luluk Tri Harinie Marsha Denanda Putri Muhamad Reja Akhir Saputra Rita Sarlawa Roby Sambung Ronni Haga Vivy Kristinae