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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) AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) 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 Jurnal Publikasi Ekonomi dan Akuntansi
Wa Ode Rayyani
Universitas Muhammadiyah Makassar, Indonesia
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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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Abstract

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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Abstract

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.
Eksplorasi Perilaku Keuangan Gen Z Dalam Menggunakan E-wallet Sebagai Bentuk Adaptasi Terhadap Cashless Society Mahasiswa Universitas Muhammadiyah Makassar Nurhikmah SR; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study explores the financial behavior of Generation Z students in using e-wallets as a form of adaptation to a cashless society. The study employed a descriptive qualitative method with data collected through in-depth interviews involving five students from Universitas Muhammadiyah Makassar who actively use e-wallets. The findings show that students are attracted to e-wallets due to convenience, fast transactions, and promotional rewards such as cashback. However, many of them display impulsive buying behavior, lack financial planning, and do not keep records of their expenses. Furthermore, digital security awareness is still low, as most respondents do not apply preventive measures such as two-factor authentication. The cashless-supportive environment on campus also contributes to their daily digital payment habits. This research recommends implementing digital financial literacy programs and raising awareness on digital security risks to encourage wiser and safer e-wallet usage among Gen Z students.
Pengaruh Locus of Control terhadap Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Makassar Ade Trianna; Wa Ode Rayyani
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

Pengelolaan keuangan yang baik sangat penting dimiliki oleh mahasiswa agar dapat memenuhi kebutuhan akademik maupun pribadi secara berkelanjutan. Salah satu faktor psikologi yang diyakini berpengaruh terhadap perilaku keuangan adalah locus of control. Penelitian ini bertujuan untuk mengetahui pengaruh locus of control terhadap pengelolaan keuangan mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Makassar. Penelitian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 37 responden yang dipilih melalui teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier sederhana. Hasil penelitian menunjukkan bahwa locus of control berpengaruh positif dan signifikan terhadap pengambilan keputusan keuangan mahasiswa, dengan nilai koefisien determinasi sebesar 14,8%. Hal ini mengindikasikan bahwa semakin tinggi locus of control seseorang, maka semakin baik pula pengelolaan keuangannya. Penelitian ini menegaskan pentingnya faktor psikologis dalam membentuk perilaku keuangan mahasiswa.
Manajemen Risiko Dan Strategi Mitigasi Risiko Keuangan Pada Ptpn Sinergi Gula Nusantara Di Kab. Takalar Siskayanti; 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 identify and analyze the financial risks faced by PTPN SinergiGula Nusantara in Takalar Regency, as well as to evaluate the mitigation strategies implemented to manage these risks. A descriptive qualitative approach was used, with data collected through observation, interviews, and documentation. The findings indicate that the company encounters several financial risks, such as sugar price volatility, dependence on local raw material supply, and the need for continuous investment in technology and human resources. To address these challenges, PTPN SGN has implemented various mitigation strategies, including production process optimization, strengthening partnerships with farmers, and improving operational efficiency through training and enhanced risk management systems. This study highlights the importance of integrating risk management into corporate governance to ensure financial stability and sustainability in the national sugar industry. Strategic recommendations are proposed to enhance financial risk management and support the company’s sustainable growth.
Analisis Pencatatan Keuangan Usaha Tani Kelapa Sawit Oleh Petani Swadaya Nuraini, Nuraini; Rayyani, Wa Ode
Jurnal Ekonomi Pertanian dan Agribisnis Vol. 3 No. 1 (2025): Juli - Desember
Publisher : CV.ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jepag.v3i1.3314

Abstract

This study aims to analyze financial record-keeping practices among independent oil palm farmers in North Kalimantan, using a case study of Pak Muktar, a farmer managing a 3.6-hectare oil palm plantation. This research employed a descriptive qualitative method through in-depth interviews and documentation. The results show that the farmer does not maintain written financial records; all income and expenses are only remembered mentally. This condition leads to uncertainty in knowing operational costs and business profitability, difficulty in financial planning, and vulnerability to fluctuations in fresh fruit bunch (FFB) prices and harvest yields. The study concludes that simple financial record-keeping is essential to help farmers separate business and household finances, improve cost efficiency, and strengthen family economic resilience. Practical assistance is needed to help farmers develop the habit of recording finances in a simple and consistent manner.
Pengalaman Peternak Ayam Broiler Dalam Menjalankan Usaha Dengan Sistem Kemitraan Dan Mandiri: Studi Kasus Di Kabupaten Bulukumba Andriani, Sri; Rayyani, Wa Ode
Jurnal Ekonomi Pertanian dan Agribisnis Vol. 3 No. 1 (2025): Juli - Desember
Publisher : CV.ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jepag.v3i1.3329

Abstract

This study aims to explore the experiences of broiler chicken farmers in running a business with a partnership and independent system in Bulukumba Regency. The method used in this study is a qualitative approach with a case study design, which involves in-depth interviews with broiler chicken farmers who apply both systems. The results of the study indicate that farmers who use a partnership system tend to feel greater support from partners, including in terms of access to capital, training, and product marketing. However, they also face challenges related to dependence on partners and profit sharing that is not always fair. On the other hand, farmers who run their businesses independently have the freedom to make decisions and manage their businesses, but often face difficulties in terms of access to resources and markets. These findings provide important insights into the dynamics faced by broiler chicken farmers in Bulukumba Regency, as well as implications for the development of policies and practices in the livestock sector. This study is expected to be a reference for farmers, academics, and stakeholders in improving the sustainability of broiler chicken farming businesses in the area.
Analisis Efektivitas Sistem Bagi Hasil Antara Pemilik Lahan Dan Petani Penggarap Di Kelurahan Pancaitana Swasti, Tri Ika; Rayyani, Wa Ode
Jurnal Ekonomi Pertanian dan Agribisnis Vol. 3 No. 1 (2025): Juli - Desember
Publisher : CV.ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jepag.v3i1.3334

Abstract

This study aims to analyze the effectiveness of the profit-sharing system between landowners and tenant farmers in Pancaitana sub-district. The research uses a descriptive qualitative method through interviews, observation, and documentation involving four informants. The findings show that the profit-sharing system is based on mutual agreement and trust, often carried out orally without a written contract. Two profit-sharing patterns were found: 1:1 when costs are shared, and 1:2 in favor of the cultivator when they bear all costs. The system aligns with Islamic economic principles, emphasizing justice, voluntarism, and mutual benefit. However, the absence of written agreements poses potential legal risks.
Building Fiscal Awareness among Thai High School Students: A Participatory Action Research Experience Mediaty, Mediaty; Mas’ud, Anis Anshari; Idrawahyuni, Idrawahyuni; Rayyani, Wa Ode; Nurhalija, Nurhalija; Nurwazaila, Nurwazaila; Yusuf , Yusfi Tsabita Nanda; Farman, Safril; Lestari, Nurma
International Journal of Community Service (IJCS) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i2.1561

Abstract

This study addresses the limited fiscal awareness among high school students and explores how a participatory approach can foster a better understanding of public budgeting concepts. A one-day community service program was conducted on May 17, 2025, at Sangkhom Islam Wittaya School, Hatyai, Thailand, involving 27 students and several teachers. The program was facilitated by four lecturers and four students from three universities in South Sulawesi, Indonesia: Hasanuddin University, West Sulawesi University, and Muhammadiyah University of Makassar. Using a modified Participatory Action Research (PAR) approach as the educational method, the activity was structured into planning, action, and reflection stages, incorporating interactive workshops, group discussions, and simulated budget allocation exercises. Data were collected through facilitator observations, student responses, and feedback. Findings indicate that students demonstrated an increased understanding of how public resources are managed and the importance of fiscal transparency. This article concludes that experiential and collaborative methods such as PAR are effective in fostering fiscal awareness among youth.
Co-Authors A Ifayani Haanurat 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 Bahari, Samsul 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 Ismail Rasulong 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 Muhammad Umar Mutia Sirwaty mutiara mutiara Nabila Hidayani Nadhirah Nagu Nadiya Nur Fadilla Nanda, Sahabuddin 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 Sarfiah, Sarfiah Satriani , Nilla Satriawana Sentot Imam Wahjono Sentot Imam Wahjono Siskayanti Siti Irmayanti Sri Andriani Sri Andyaningsih Sri Utami Sukmawati Sukmawati Sunarti Sunarti Swasti, Tri Ika Syafika Nur Sabina 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 Yusuf K, M. Zalkha Soraya