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All Journal JRB-Jurnal Riset Bisnis Jurnal Pengabdian Kepada Masyarakat Patikala
Irawati
Universitas Sulawesi Barat, Majene, Indonesia
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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FINANCIAL INCLUSION : TRANSFORMING INORGANIC WASTE INTO INCOME FOR WASTE BANK CUSTOMERS IN MAKASSAR CITY Nur Ariyandani Nanda; Rahmat Ghazali; Irawati; Dian Rahmayanti Rivai; Futri Ayu Wulandari
Jurnal Riset Bisnis Vol. 9 No. 2 (2026): April
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pancasila Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65179/jrb.2026.9926

Abstract

Makassar City faces critical waste management challenges, with daily volumes reaching 800–900 tons. This condition threatens the environment due to increasingly limited handling capacity. As an innovative solution, digital financial inclusion has been introduced to help the community manage income generated from plastic waste collection. Although community participation in waste management is quite high, the main obstacle lies in the lack of understanding and adaptation to formal and digital financial systems. This study uses a qualitative approach with a case study design to deeply explore the experiences of waste bank actors in transforming waste into economic value through digital financial management. The research focus includes community dynamics, transaction governance, price-setting mechanisms, and the transition from manual to digital systems. The research results show that the waste bank program in Makassar has a positive impact on digital financial inclusion and the economic empowerment of marginal communities. Through collaboration with Bank Sulselbar, customers now use digital savings books to store the proceeds from their waste sales. It is recorded that more than 458 tons of plastic waste were successfully managed and paid for through the digital system. Furthermore, digital financial literacy training has proven effective in increasing customers' understanding of modern financial management, thereby creating economic independence while supporting environmental sustainability in Makassar City. Key Words : Waste Bank, Financial Inclusion, Inorganic Waste Products, Income, Customer
Peningkatan Literasi Dan Kepatuhan Pajak Melalui Pojok Pajak: Pendampingan Aktivasi Coretax Dan Pengisian Spt Tahunan Orang Pribadi Asnidar Amir; Muh. Faisalrahmat; Nur Qamariah; Irfan Yusuf; Muhammad Yusuf Y.S; Muhammad Ismail Saleh; Irawati
Jurnal Pengabdian Kepada Masyarakat Patikala Vol. 5 No. 4 (2026): Jurnal PkM PATIKALA
Publisher : Pusat Pengembangan Pendidikan dan Bakat Indonesia/Education and Talent Development Center of Indonesia (ETDC Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/patikala.v5i4.5465

Abstract

The digital transformation of tax administration through the Coretax Administration System (Coretax) requires taxpayers not only to understand tax regulations but also to possess the ability to utilize information technology effectively. As a newly implemented tax administration system for filing the 2025 Annual Individual Income Tax Return, (SPT Tahunana) Coretax still requires an adaptation process among taxpayers. Consequently, many taxpayers continue to encounter difficulties in activating their Coretax accounts, generating the Directorate General of Taxes (DJP) authorization code, and completing and submitting their Annual Individual Income Tax Returns. This community service program aimed to improve tax literacy and tax compliance through the Tax Corner (Pojok Pajak) program implemented at Universitas Sulawesi Barat in collaboration with the Tax Center and the Majene Primary Tax Office (KPP Pratama Majene). The program employed a participatory approach combined with direct assistance and was carried out in three stages: training prospective facilitators, assisting taxpayers with Coretax account activation, and providing guidance on the completion and submission of Annual Individual Income Tax Returns. The results demonstrated that the Tax Corner program improved participants' understanding of Coretax implementation, helped resolve various technical issues related to account activation and Annual Income Tax Return filing, and enhanced taxpayers' awareness and compliance in fulfilling their tax obligations. The program also demonstrates that collaboration between higher education institutions and the Directorate General of Taxes (DJP) is an effective strategy for supporting the digital transformation of tax administration while improving taxpayers' literacy and compliance.
Co-Authors Asnidar Amir Dian Rahmayanti Rivai Futri Ayu Wulandari Irfan Yusuf Muh. Faisalrahmat Muhammad Ismail Saleh Muhammad Yusuf Y.S Nur Ariyandani Nanda Nur Qamariah Rahmat Ghazali