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All Journal Aptisi Transactions on Technopreneurship (ATT) Jurnal E-bussiness Institut Teknologi dan Bisnis Muhammadiyah Polewali Mandar Blockchain Frontier Technology (BFRONT)
Cristino Gusmao
Universidade da Paz
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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Analisis Tematik Implementasi Pendidikan Literasi Keuangan di Sekolah Dwi Cahyono; Citra Dwi Ristantri; Cristino Gusmao
Jurnal E-bussiness Institut Teknologi dan Bisnis Muhammadiyah Polewali Mandar Vol 5 No 1 (2025): Jurnal E-bussiness Institut Teknologi dan Bisnis Muhammadiyah Polewali Mandar
Publisher : Pusat Penelitian dan Pengabdian Masyarakat ITBM Polman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59903/ebussiness.v5i1.158

Abstract

Penelitian ini mengeksplorasi implementasi pendidikan literasi keuangan di sekolah menengah pertama di Jember, dengan tujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi keberhasilan dan tantangan dalam penerapannya. Metode penelitian yang digunakan adalah analisis tematik, dengan data yang dikumpulkan melalui wawancara mendalam dan fokus grup dari 20 partisipan, termasuk guru dan siswa. Hasil penelitian menunjukkan bahwa kurangnya standardisasi kurikulum dan pelatihan guru menjadi hambatan utama dalam implementasi literasi keuangan. Selain itu, faktor kontekstual seperti status sosial ekonomi dan budaya turut mempengaruhi efektivitas program. Meskipun demikian, beberapa guru telah mengadopsi pendekatan inovatif seperti permainan dan simulasi untuk meningkatkan pemahaman siswa. Siswa menunjukkan peningkatan pemahaman tentang pentingnya literasi keuangan, meskipun masih menghadapi kesulitan dalam penerapan konsep-konsep abstrak. Model Ekologi Implementasi Literasi Keuangan (EILK) dan Model Ekologi Dinamis Literasi Keuangan (MEDLIK) yang dikembangkan dalam penelitian ini menyoroti perlunya integrasi antara sistem pendidikan, keluarga, dan komunitas. Solusi yang diusulkan termasuk reformasi kebijakan kurikulum, pelatihan guru yang berkelanjutan, dan pendekatan pembelajaran yang lebih kontekstual. Kesimpulan dari penelitian ini menegaskan bahwa pendidikan literasi keuangan yang efektif memerlukan pendekatan holistik yang melibatkan berbagai pemangku kepentingan untuk meningkatkan kesejahteraan finansial siswa dan melindungi mereka dari risiko keuangan di masa depan.
Technopreneurial Strategies Using Digitalization and Innovation to Strengthen Student Loyalty Ayun Maduwinarti; I.G.N. Andhika Mahendra; Dwi Cahyono; Cristino Gusmao
Aptisi Transactions On Technopreneurship (ATT) Vol 8 No 2 (2026): July
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v8i2.693

Abstract

This study aims to explore the interaction between service quality and digital transformation in reconstructing students' loyalty in higher education, with a specific focus on academic and non-academic services at Indonesian universities. The theoretical framework integrates service quality dimensions, digital transformation concepts, and loyalty models to provide a comprehensive understanding of how these factors shape students' loyalty in the digital era. Utilizing a Grounded Theory approach, data were collected through in-depth interviews with students, faculty members, and administrative staff. Data analysis involved open coding, axial coding, and selective coding to develop Digital-Service Synergy Theory explaining the loyalty reconstruction process. Findings indicate that while both service quality and digital transformation significantly influence student loyalty, their interaction creates a more complex dynamic that determines overall satisfaction and loyalty. Key factors influencing effectiveness include e-learning system quality, instructor responsiveness, technical support, and digital anxiety management. The study provides insights into optimizing the synergy between traditional service quality and digital transformation to enhance student loyalty and offers practical solutions for implementation challenges in higher education institutions.
Effects of Food Corporate Social Irresponsibility on Animosity and Boycott Behavior Muhammad Sain; Amiartuti Kusmaningtyas; Ida Bagus Cempena; Cristino Gusmao
Aptisi Transactions On Technopreneurship (ATT) Vol 8 No 3 (2026): November
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v8i3.789

Abstract

This research aims to analyze the influence of Food Corporate Social Irresponsibility (FCSI), animosity, and reluctance to buy on boycott behavior with consumers’ altruistic value orientation as a moderating variable among food and beverage product consumers in West Sulawesi, Indonesia. The boycott phenomenon has increasingly become a global trend as a form of consumer protest against corporate actions deemed socially irresponsible. Using a quantitative approach with Structural Equation Modeling (SEM) analysis, data were collected through questionnaires from 200 respondents in West Sulawesi. Research findings indicate that FCSI has a positive and significant effect on animosity, and animosity has a positive and significant effect on reluctance to buy. However, FCSI does not significantly influence reluctance to buy, neither animosity nor reluctance to buy significantly affects boycott behavior, and FCSI does not significantly influence boycott behavior. Additionally, consumers’ altruistic value orientation does not prove to moderate the relationship between animosity and boycott behavior, nor between reluctance to buy and boycott behavior. The results suggest that although FCSI can trigger animosity and reluctance to buy, these factors do not necessarily drive consumers to engage in boycott behavior, providing insights for companies in managing reputation and developing more effective communication strategies to address the negative impacts of consumer perceptions regarding corporate social irresponsibility.
Enhancing Service Quality and Student Loyalty in Higher Education Using Blockchain Technology Ayun Maduwinarti; I.G.N. Andhika Mahendra; Dwi Cahyono; Cristino Gusmao; Chua Toh Hua
Blockchain Frontier Technology Vol. 5 No. 1 (2025): Blockchain Frontier Technology
Publisher : Indonesian Association of Higher Education in Informatics and Computing (APTIKOM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/bfront.v5i1.843

Abstract

In the increasingly digital era demanding transparency, blockchain emerges as a technology with significant potential to support higher education services. This system offers security, efficiency, and decentralization in managing academic data and certifications. This study aims to examine the role of blockchain in improving service quality and student loyalty. Data were collected through interviews and FGDs with participants from students, faculty, and administrative staff relevant to the technology's implementation in their institutions. The findings show positive acceptance of blockchain, especially in terms of transparency and service speed. Participants also suggested digital incentives through a token system as a way to encourage active student engagement. However, challenges such as infrastructure, technological literacy, and regulations remain major obstacles. These results reinforce that blockchain can improve service quality and create loyalty based on a fair and measurable system.
Co-Authors Amiartuti Kusmaningtyas Ayun Maduwinarti Ayun Maduwinarti Chua Toh Hua Citra Dwi Ristantri DWI CAHYONO Dwi Cahyono I.G.N. Andhika Mahendra I.G.N. Andhika Mahendra Ida Bagus Cempena Muhammad Sain