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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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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.
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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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.
Co-Authors Abbas, Ahmad 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 Basri Basir Cisilia Doodoh Darwis Said Dian Anggraini Dian Anggraini Dyastiarini, Astri Edi Prayogo Endang Winarsi Evi Nurul Husna Evi Nurul Husna Farman, Safril Febrianggi, Ayu Firman syah Haerani Haeranti Syam Hanafi, Kartini Hannani Herdiana Herdiana Herman Callo Hernita Arifuddin I Wayan Sujana Idrawahyuni Idrawahyuni Idrawahyuni Idrawahyuni Idrawahyuni, Idrawahyuni Inar Andriani Jumiati Jumiati Khaerullah Khairunna Istiqamah Halim Laras Lestari Lestari, Nurma Linda Arisanty Razak Linda Arisanty Razak Linda Razak Maha Radwan Marshanda Sultan Masud, Anis Anshari Mediaty Mira Mira Moh. Aris Pasigai Mohamad Ilham Mohammad Ayaz Muchran, Muchriady Muh. Alamsyah Perdana Putra Muh. Syarif Ahmad Muhaimin Muhaimin Muhammad Adil, Muhammad Muhammad Arjun Muhammad Ihsanul Muhammad Nur Abdi Muhammad Nur Abdi Mutia Sirwaty Mutiara Mutiara Nabila Hidayani Nadhirah Nagu Nadiya Nur Fadilla Neks Triani Nia Wahyuni Nia Wahyuni 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 Pratiwi, Hesti Radwan, Maha Ramadana Ratna Ayu Damayanti Ratna Marta Dhewi Razak, Linda Arisanty Rini Purnamasari Risma Risma Rustam, Andi Sahrulllah, Sahrulllah Salwa Khaerunniza Satriawana Sentot Imam Wahjono Sentot Imam Wahjono Silviana Salam Siskayanti Siti Irmayanti Sri Andriani Sri Andyaningsih Sri Utami Sri Wahyuni Pratiwi Yusran Sri Wahyuni Pratiwi Yusran Sunarti Sunarti Swasti, Tri Ika Syahadat, Edy Fitriawan Syamsul, Nur Zhafika Syarifuddin, Safria Triani, Neks W Warda Wafir, Ilham Akbar Wahyudi, Fiqi Wahyuni, Idra Yusuf , Yusfi Tsabita Nanda Zalkha Soraya