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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Dedikasi Masyarakat Economica: Jurnal Ekonomi Islam Jurnal Inovasi Bisnis (Inovbiz) JMM (Jurnal Masyarakat Mandiri) Kamaya: Jurnal Ilmu Agama AkMen JURNAL ILMIAH Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Khatulistiwa: Journal of Islamic Studies YUME : Journal of Management IJISH (International Journal of Islamic Studies and Humanities) Jurnal Ilmiah Akuntansi Manajemen Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Musamus Accounting Journal Value: Jurnal Manajemen dan Akuntansi International Journal of Religious and Cultural Studies Jurnal Al-Dustur Jurnal Bisnis Dan Kajian Strategi Manajemen Amnesty: Jurnal Riset Perpajakan Airlangga International Journal of Islamic Economics and Finance Perspektif Akuntansi INVOICE : JURNAL ILMU AKUNTANSI Journal Of Business, Finance, and Economics (JBFE) Asian Journal of Community Services (AJCS) Journal of International Conference Proceedings International Journal of Community Service (IJCS) Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Enrichment: Journal of Multidisciplinary Research and Development JAKBS JEBD International Journal of Economic Research and Financial Accounting IJMA Jurnal Ekonomi Pertanian dan Agribisnis International Journal of Community Service Implementation Insan Cita Bongaya Research Journal Fundamentum: Jurnal Pengabdian Multidisiplin IECON: International Economics and Business Conference
Wa Ode Rayyani
Universitas Muhammadiyah Makassar, Indonesia
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Strategi Pemasaran Merica Dalam Meningkatkan Pendapatan Masyarakat Desa Larui Kecamatan Porehu Kabupaten Kolaka Utara Ananda Fajarwati; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to describe and analyze the pepper marketing strategy implemented by the people of Larui Village, Porehu District, North Kolaka Regency in an effort to increase their income. Pepper is a leading commodity in the area and is the main source of income for the community. The results of the study showed that the marketing strategies carried out by the community varied, ranging from direct sales to the market, selling to middlemen, to through cooperatives or consignment systems. Supporting factors for marketing strategies include the cohesiveness of farmer groups and the availability of road access, while obstacles include lack of marketing knowledge, unstable prices, and limited market networks. A more active and organized marketing strategy has been shown to provide better income for farmers compared to traditional strategies that are passive and dependent on intermediaries.
Dampak Pinjaman Online Dan Shopeepaylater Terhadap Pengelolaan Keuangan Pribadi Pengguna Di Kota Makassar Nadiya Nur Fadilla; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to analyze the impact of using online loans and Shopee PayLater on users' personal financial management in Makassar City. These two digital financial services offer convenience and speed of access, which has attracted many individuals amidst urgent financial needs and shifting shopping habits to online platforms. Using a qualitative approach with phenomenological method, this research was located in Makassar City from June to July 2025. Data was collected through observation, semi-structured interviews, and documentation from six key informants selected through purposive sampling technique, who are active users of online loans or Shopee PayLater aged 20-40 years old. Data analysis involved reduction, presentation, and coding (open, axial, selective), followed by conclusion drawing. The results showed that the ease of access to online loans and Shopee PayLater significantly impacted users' debt management, spending arrangements, financial priorities, and consumptive behavior. The impact can vary, either worsening financial conditions through increased debt and consumptive behavior, or being a quick solution if used responsibly and supported by adequate financial literacy. This research emphasizes the importance of financial education to prevent unmanageable debt in the digital era.
Implementasi Sistem Bagi Hasil Pertanian Di Kecamatan Bontotiro Marshanda Sultan; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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 This study aims to explore the sharecropping system in Bontotiro District, Bulukumba Regency, South Sulawesi, with a particular focus on the underlying social and cultural values. Employing a descriptive qualitative approach, data were collected through in-depth interviews, field observations, and documentation, with participants selected using purposive sampling. The findings reveal that the sharecropping system is conducted informally, relying heavily on trust, kinship, and the principle of distributive justice. This practice functions not only as an economic mechanism but also reflects communal values such as mutual cooperation, social flexibility, and strong community bonds. The discussion highlights that this system is a form of local wisdom that persists despite the absence of formal agreements. However, modernization and social changes call for innovations such as simple documentation and the strengthening of local institutions to ensure the system’s sustainability and fairness in the future.
Pemanfaatan Facebook Pro sebagai Sumber Pendapatan Digital bagi Kreator Pemula: Studi Reflektif Berbasis Pengalaman Pribadi Muhammad Arjun; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to explore how novice content creators utilize the monetization feature of Facebook Pro as a source of digital income. Using an autoethnographic qualitative approach, the researcher reflects on personal experiences while also including data from other beginner creators. The findings reveal that digital monetization often begins unintentionally but develops into a consistent strategy through learning and adaptation. Key strategies include regular posting, exploring relevant content themes, understanding the algorithm, and leveraging peer communities. Challenges include limited digital literacy, unstable internet access, psychological pressure, and algorithmic uncertainty. This study highlights the transformative meaning of social media as a productive space and offers insights for new creators and digital platform developers.
Dampak Pengelolaan Keuangan yang Efisien terhadap Keberlanjutan Usaha Tani Cengkeh: Studi Kasus di Kel. Induha Sulawesi Tenggara Inar Andriani; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to analyze the impact of efficient financial management on the sustainability of clove farming in Induha Village, Southeast Sulawesi. The method used in this study is a qualitative approach with data collection through in-depth interviews and direct observation in the field. The results of the study indicate that good financial management, which includes budget planning, transaction recording, and financial report analysis, contributes significantly to increasing the productivity and profitability of clove farming. In addition, farmers who implement efficient financial management practices tend to be better able to face market risks and uncertainties, thereby increasing the sustainability of their businesses. This study recommends the need for training and assistance for farmers in financial management to support the sustainability of clove farming in the area.
Pengaruh Model TPB Terhadap Penggunaan E-Payment QRIS Pada Generasi Z Di Kota Makassar Ramadana; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to determine the influence of attitude, subj subjective norm, and perceived behavioral control on the intention to use QRIS based on the Theory of Planned Behavior (TPB) model among Generation Z in Makassar City. This research adopts a quantitative approach using multiple linear regression analysis. Data were collected from 100 respondents through an online questionnaire. The results indicate that, simultaneously, the variables of attitude, subjective norm, and perceived behavioral control significantly influence the intention to use QRIS. Partially, attitude and subjective norm have a significant effect, while perceived behavioral control does not have a significant effect. The Adjusted R Square value of 28.2% shows that the three variables are able to explain 28.2% of the variation in the intention to use QRIS. This study provides implications for understanding the digital behavior of Generation Z and serves as a reference for payment system developers to enhance the adoption of QRIS among the younger generation.
Pengalaman dan Persepsi Driver Shopee Food Terhadap Sistem Insentif di Kota Makassar Satriawana; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to explore the experiences and perceptions of Shopee Food drivers in Makassar City regarding the incentive system implemented by the company. Using a qualitative approach, this study involved in-depth interviews with purposively selected drivers to obtain diverse views. The data obtained were analyzed using thematic analysis techniques to identify patterns and themes that emerged from the respondents' experiences. The results showed that the incentive system had a significant impact on driver motivation and performance. Most respondents stated that financial incentives increased work enthusiasm and provided encouragement to achieve targets. However, there were also challenges faced, such as uncertainty in achieving incentives and perceptions of fairness in incentive distribution. In addition, external factors such as traffic conditions and market demand also affected their income. This study provides important insights for Shopee Food management in designing a more effective and fair incentive system, as well as improving driver welfare. These findings are expected to be a reference for further research on incentive systems in the application-based service industry.
Makna Pengalaman Mahasiswa terhadap Penipuan Jual-Beli Akun Game Online dan Implikasinya terhadap Pengelolaan Keuangan Pribadi Khaerullah; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This research aims to explore in depth the personal experiences of university students who have become victims of online game account trading fraud and how such experiences influence their financial behavior and management. Utilizing a narrative qualitative approach, the study seeks to uncover the subjective meanings behind these digital fraud events through individual storytelling and reflection. The findings reveal that although the fraud initially resulted in emotional and financial distress, it ultimately triggered critical awareness, leading to more cautious, organized, and responsible financial behaviors among the students.
Pengaruh Gaya Hidup Terhadap Kondisi Keuangan Pribadi pada Generasi Z Mutia Sirwaty; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to analyze the influence of lifestyle on the personal financial conditions of Generation Z, individuals born between 1997 and 2012. The research employs a quantitative method by distributing questionnaires to 34 respondents aged 18–27 years, and the data are analyzed using simple linear regression. The results indicate that lifestyle has a significant effect on personal financial conditions, as demonstrated by the t-calculated value (3.047) > t-table (2.037) and a significance level of 0.005 < 0.05. The higher the level of a consumptive lifestyle, the greater the likelihood of disturbances in personal financial conditions. These findings emphasize the importance of financial literacy education to help Generation Z manage their finances wisely.
Strategi Bertahan Dan Adaptasi Pelaku Usaha Pertashop Mini : Studi Kasus Di Kabupaten Bungku Morowali Nur Sriani; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This study aims to analyze the survival strategies and forms of adaptation carried out by Pertashop Mini business actors in Bungku Regency, Morowali in facing internal and external challenges. Pertashop Mini businesses, as part of the micro energy distribution program by PT Pertamina, have an important role in expanding energy access in rural areas. However, business actors face various challenges, such as limited fuel supplies, high operational costs, competition with illegal retailers, and minimal technical support and training. Using a descriptive qualitative approach and data collection techniques in the form of semi-structured interviews, field observations, and documentation studies, this study found that common survival strategies applied include operational efficiency, strict stock management, and focus on loyal customers. Meanwhile, adaptation is carried out through the use of simple technology, service innovation, and strengthening social relations with the surrounding community. Local social capital, such as community trust and support from village officials, is a key factor in maintaining business continuity. This study concludes that the success of business actors in surviving and adapting is greatly influenced by the ability to manage social resources and respond to local market dynamics. Recommendations are given to business actors, local governments, and BUMDes to strengthen technical support, entrepreneurship training, and institutional collaboration for the sustainability of businesses in the micro energy distribution sector.
Co-Authors Abbas, Ahmad Abdi, Muhammad Nur Abdul Thalib Ade Trianna Agus Prasetyo Ahmad Abbas Ahmad Abbas Alamsjah Alamsjah, Alamsjah Amelia Rezki Septiani Amin Amin, Amelia Rezki Septian Ananda Fajarwati Andayaningsih, Sri Andi Rasdiyanti Arif, Muhammad Faisal Arizah, Ainun Asri Jaya Awanda Lestari Buia Ayaz, Mohammad Azzahra , Wa Ode Nayla Fatimah Basri Basir Beloan, Bertha Burhanuddin Burhanuddin Cisilia Doodoh Da'a, Fitrianti Darwis Said Dian Anggraini Dyastiarini, Astri Edi Prayogo Endang Winarsi Evi Nurul Husna Farman, Safril Febrianggi, Ayu Firman syah Haerani Haeranti Syam Hanafi, Kartini Handayani, Fany Arista Hannani Herdiana Herdiana Herman Callo Hernita Arifuddin Husna, Evi Nurul I Wayan Sujana Idrawahyuni Idrawahyuni Idrawahyuni, Idrawahyuni Ihsanul, Muhammad Inar Andriani Jumiati Jumiati Khaerullah Khairunna Istiqamah Halim Laras Lestari Lestari, Nurma Linda Arisanty Razak Linda Arisanty Razak Linda Razak Maha Radwan Mairi, Marsya Utani Mande, Henni Marshanda Sultan Masud, Anis Anshari Mediaty Mira Mira Mohamad Ilham Mohammad Ayaz Muchran, Muchriady Muh. Alamsyah Perdana Putra Muh. Syarif Ahmad Muhaimin Muhaimin Muhammad Adil, Muhammad Muhammad Arjun Muhammad Nur Abdi Mutia Sirwaty mutiara mutiara Nabila Hidayani Nadhirah Nagu Nadiya Nur Fadilla Neks Triani Nur Lisal Nur Rezki Amalia Nur Sriani Nur'Izzah Amaliah Yusuf Nurafni Ansar Nuraini Nuraini Nuranisa Al Azighah Nurhalija, Nurhalija Nurhikmah SR Nurinaya, Nurinaya Nurlina Nurlina Nurul Iqza Nurul Nadya Nurwazaila, Nurwazaila Pasigai, Moh. Aris Pratiwi, Hesti Radwan, Maha Ramadana Ratna Ayu Damayanti Ratna Marta Dhewi Razak, Linda Arisanty Rini Purnamasari Risma Risma Rustam, Andi Sahrulllah, Sahrulllah Salam, Silviana Salwa Khaerunniza Samsinar Samsinar Satriani , Nilla Satriawana Sentot Imam Wahjono Sentot Imam Wahjono Siskayanti Siti Irmayanti Sri Andriani Sri Andyaningsih Sri Utami Sunarti Sunarti Swasti, Tri Ika Syahadat, Edy Fitriawan Syamsul, Nur Zhafika Syarifuddin, Safria Tangke, Paulus Triani, Neks W Warda Wafir, Ilham Akbar Wahyudi, Fiqi Wahyuni, Idra Wahyuni, Nia Wijaya, Cinby Cantika Yusran, Sri Wahyuni Pratiwi Yusuf , Yusfi Tsabita Nanda Zalkha Soraya