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All Journal Journal of Economic, Bussines and Accounting (COSTING) Multidisiplin Pengabdian Kepada Masyarakat (M-PKM)
Abdul Hafiz
Universitas Bangka Belitung
Economics, Econometrics & Finance Education Engineering Health Professions Nursing

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Smart Tourism Development through QRIS Adoption among MSMEs Novita Herlissha; Tiara Fitari; Abdul Hafiz
Multidisiplin Pengabdian Kepada Masyarakat Vol. 5 No. 01 (2026): Multidisiplin Pengabdian Kepada Masyarakat, January-March 2026
Publisher : Sean Institute

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Abstract

The development of smart tourism in tourism villages requires the integration of digital services that enhance efficiency, accessibility, and visitor experience. One essential component of smart tourism is the adoption of digital payment systems supported by adequate digital financial literacy among local micro, small, and medium enterprises (MSMEs). Batu Belubang Tourism Village has significant tourism potential; however, most MSME actors still rely on cash-based transactions due to limited understanding of digital financial services. This community service program aims to improve digital financial literacy and support the implementation of the Quick Response Code Indonesian Standard (QRIS) among MSMEs as part of smart tourism development. The program employed a direct, door-to-door assistance method using a participatory approach, involving lecturers and students as facilitators. Activities included individual socialization, technical assistance for QRIS registration, and initial implementation guidance. The results indicate a notable improvement in MSMEs’ understanding of digital payment systems and a positive attitude toward QRIS adoption. MSME actors began to recognize QRIS as a tool that supports transaction efficiency, financial transparency, and tourist convenience. This program contributes to strengthening the digital ecosystem of tourism villages and supports the sustainable development of smart tourism at the local level
ANALISIS PERILAKU KEUANGAN KELUARGA MUDA KELAS MENENGAH DI INDONESIA (STUDI KUALITATIF BERDASARKAN PERSPEKTIF PERILAKU KEUANGAN RUMAH TANGGA DAN TEORI PERILAKU TERENCANA) Abdul Hafiz; Siti Napisah; Berandi Suaryansyah
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/6czx9b71

Abstract

The purpose of this study is to explore the financial behavior of middle-class urban families in Indonesia. This study use Behavioral Household Finance framework and integrated it with Theory of Planned Behavior. Despite the increaseing of financial literacy, many households have poor financial behaviors. Using a qualitative approach, the research gets insights from in-depth interviews with nine families selected through purposive sampling. Participants were middle-income family living in urban areas with school-aged children. Thematic analysis revealed that financial behavior is shaped by cognitive biases, social norms, perceived behavioral control, and financial literacy. Limited financial knowledge and negative perceptions of formal financial institutions also hindered their ability to improve their financial behavior which represented in their financial outcome. On the other hand, families with higher financial literacy demonstrated better control over their finances, proactive saving strategies, and more resilience against behavioral biases and social pressure. These findings highlight that enhancing financial literacy alone is insufficient without addressing the psychological and cultural factors that influence financial decision-making. This study offers implications for the design of financial education and policy interventions that go beyond technical knowledge and incorporate behavioral insights aligned with local cultural values.
TOURISTS' INTEREST IN VISITING OPTIMALISASI PROMOSI PARIWISATA MELALUI EMOTIONAL MARKETING: PENGARUH STORYTELLING DAN STIMULUS VISUAL–AUDIO TERHADAP MINAT BERKUNJUNG WISATAWAN Abdul Hafiz; Novita Herlissha
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/9v71ak29

Abstract

Tourism promotion plays a strategic role in enhancing destination competitiveness, particularly in regions with strong natural and cultural potential such as Bangka Belitung Province. This study aims to examine the influence of emotional-based tourism promotion that integrates storytelling and visual–audio stimuli on tourists’ visiting intention. This study employs a quantitative approach using a survey method involving tourists who have been exposed to Bangka Belitung tourism promotional content. Data were analyzed using a structural modeling approach to examine the relationships among the research variables. The findings indicate that emotional-based tourism promotion plays a crucial role in shaping tourists’ interest and visiting intention through emotional engagement generated by narrative elements and harmonious visual and audio presentation.These findings highlight the relevance of emotional marketing as an effective strategy in destination promotion. This study contributes theoretically to the development of emotional marketing research in the tourism context and provides practical implications for tourism stakeholders in designing more engaging, persuasive, and sustainable promotional strategies.
Co-Authors Berandi Suaryansyah Fitari, Tiara Herlissha, Novita Siti Napisah