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All Journal Jurnal Daya Mas : Media Komunikasi dan Informasi Hasil Pengabdian dan Pemberdayaan Masyarakat Jurnal Bisnis dan Manajemen West Science West Science Interdisciplinary Studies West Science Interdisciplinary Studies
Surya Ramadhan Noor
Universitas Logistik dan Bisnis Internasional
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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IMPLEMENTASI MEDIA PEMBELAJARAN COA INTERAKTIF UNTUK MENINGKATKAN LITERASI AKUNTANSI SISWA SMK PGRI 2 CIMAHI Riani Tanjung; Mohamad Nurkamal Fauzan; Surya Ramadhan Noor
JURNAL DAYA-MAS Vol. 11 No. 1 (2026): JURNAL DAYA-MAS
Publisher : Universitas Merdeka Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33319/dymas.v11i1.208

Abstract

This community service program aims to enhance students’ accounting literacy through the implementation of interactive learning media combining game-based and digital applications, namely COA Quartet and Easy COA. The program was conducted at SMK PGRI 2 Cimahi involving 103 students from the Accounting and Financial Institution Department. The activity consisted of several stages: socialization, training, implementation of learning media, and evaluation through pre-test and post-test assessments. The results indicate a significant improvement in students’ conceptual understanding and practical ability to identify and classify accounting accounts. The average score increased from 61 in the pre-test to 84 in the post-test, while the standard deviation decreased from 9 to 6, reflecting a more even distribution of student achievement. Beyond cognitive gains, the program fostered accounting literacy through collaborative, engaging, and interactive learning experiences. Therefore, COA Quartet and Easy COA are proven to be effective and suitable for integration into accounting instruction at the vocational school level.
Analysis of the Impact of Fintech Innovation, Digital Trust, and Consumer Education on the Financial Performance of MSMEs in Tangerang City Dwi Saleha; Ahmad Ahmad; Solihin Solihin; Dwiati Marsiwi; Eko Sudarmanto; Surya Ramadhan Noor
West Science Interdisciplinary Studies Vol. 4 No. 01 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i01.2589

Abstract

The rapid development of financial technology (fintech) has transformed the way Micro, Small, and Medium Enterprises (MSMEs) manage their financial activities, particularly in urban areas such as Tangerang City. This study aims to examine the impact of fintech innovation, digital trust, and consumer education on the financial performance of MSMEs. A quantitative research approach was employed using primary data collected from 150 MSME owners and managers in Tangerang City through a structured questionnaire measured on a five-point Likert scale. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3. The results reveal that fintech innovation has a positive and significant effect on MSME financial performance. Digital trust also shows a significant and positive influence and emerges as the strongest determinant of financial performance. In addition, consumer education significantly contributes to improved financial performance by enhancing financial literacy and the effective use of digital financial services. Collectively, these findings indicate that MSME financial performance in the digital era is driven by an integrated framework combining technological innovation, trust in digital systems, and human capital development. The study provides practical insights for policymakers, fintech providers, and MSME stakeholders in developing inclusive and sustainable digital financial ecosystems.
Analysis of the Impact of Fintech Innovation, Digital Trust, and Consumer Education on the Financial Performance of MSMEs in Tangerang City Dwi Saleha; Ahmad Ahmad; Solihin Solihin; Dwiati Marsiwi; Eko Sudarmanto; Surya Ramadhan Noor
West Science Interdisciplinary Studies Vol. 4 No. 01 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i01.2589

Abstract

The rapid development of financial technology (fintech) has transformed the way Micro, Small, and Medium Enterprises (MSMEs) manage their financial activities, particularly in urban areas such as Tangerang City. This study aims to examine the impact of fintech innovation, digital trust, and consumer education on the financial performance of MSMEs. A quantitative research approach was employed using primary data collected from 150 MSME owners and managers in Tangerang City through a structured questionnaire measured on a five-point Likert scale. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3. The results reveal that fintech innovation has a positive and significant effect on MSME financial performance. Digital trust also shows a significant and positive influence and emerges as the strongest determinant of financial performance. In addition, consumer education significantly contributes to improved financial performance by enhancing financial literacy and the effective use of digital financial services. Collectively, these findings indicate that MSME financial performance in the digital era is driven by an integrated framework combining technological innovation, trust in digital systems, and human capital development. The study provides practical insights for policymakers, fintech providers, and MSME stakeholders in developing inclusive and sustainable digital financial ecosystems.
Pengaruh Entrepreneurial Orientation dan Business Networking terhadap Business Growth pada UMKM Teknologi di Jakarta Noor Aziz; Surya Ramadhan Noor
Jurnal Bisnis dan Manajemen West Science Vol 5 No 03 (2026): Jurnal Bisnis dan Manajemen West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jbmws.v5i03.3852

Abstract

Penelitian ini mengkaji pengaruh orientasi kewirausahaan dan jaringan bisnis terhadap pertumbuhan usaha di kalangan usaha mikro, kecil, dan menengah (UMKM) berbasis teknologi di Jakarta. Pendekatan kuantitatif dengan desain survei cross-sectional digunakan dalam penelitian ini. Data dikumpulkan dari 155 pemilik, pendiri, dan manajer UMKM berbasis teknologi menggunakan kuesioner terstruktur yang diukur dengan skala Likert lima poin. Data dianalisis menggunakan IBM SPSS Statistics versi 25 melalui statistik deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, regresi linier berganda, uji-t, uji-F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa orientasi kewirausahaan memiliki pengaruh positif dan signifikan terhadap pertumbuhan usaha. Jaringan bisnis juga memiliki pengaruh positif dan signifikan terhadap pertumbuhan usaha. Secara bersamaan, kedua variabel tersebut secara signifikan menjelaskan pertumbuhan usaha, dengan nilai R² sebesar 0,643. Temuan ini menunjukkan bahwa pertumbuhan UMKM berbasis teknologi didukung oleh kombinasi antara kemampuan kewirausahaan internal dan sumber daya relasional eksternal. Penelitian ini menyoroti pentingnya inovasi, proaktifitas, pengambilan risiko yang terukur, dan jaringan strategis dalam memperkuat potensi pertumbuhan UMKM berbasis teknologi yang beroperasi di lingkungan bisnis digital yang dinamis dan kompetitif.
Peran Investment Decision dan Capital Structure terhadap Financial Performance pada Perusahaan Sektor Energi Abdul Karim; Surya Ramadhan Noor
Jurnal Bisnis dan Manajemen West Science Vol 5 No 03 (2026): Jurnal Bisnis dan Manajemen West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jbmws.v5i03.3853

Abstract

Penelitian ini mengkaji peran keputusan investasi dan struktur modal dalam memengaruhi kinerja keuangan perusahaan-perusahaan sektor energi di Indonesia. Pendekatan eksplanatori kuantitatif digunakan dengan memanfaatkan data primer yang dikumpulkan melalui kuesioner terstruktur yang diukur menggunakan skala Likert lima poin. Sebanyak 55 tanggapan yang valid dianalisis menggunakan IBM SPSS Statistics versi 25. Analisis tersebut mencakup uji validitas dan reliabilitas, statistik deskriptif, uji asumsi klasik, regresi linier berganda, uji t parsial, uji F simultan, serta koefisien determinasi. Hasil penelitian menunjukkan bahwa keputusan investasi memiliki pengaruh positif dan signifikan terhadap kinerja keuangan. Struktur modal juga menunjukkan pengaruh positif dan signifikan terhadap kinerja keuangan. Secara bersamaan, keputusan investasi dan struktur modal secara signifikan memengaruhi kinerja keuangan. Model ini menjelaskan 65,1% variasi dalam kinerja keuangan. Temuan ini menunjukkan bahwa alokasi modal yang efektif dan struktur pembiayaan yang tepat merupakan mekanisme manajemen keuangan yang saling melengkapi untuk memperkuat kinerja keuangan perusahaan-perusahaan sektor energi di Indonesia.
Co-Authors Abdul Karim Ahmad Ahmad Dwi Saleha Dwiati Marsiwi Eko Sudarmanto Mohamad Nurkamal Fauzan Noor Aziz Riani Tanjung Solihin Solihin