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All Journal Jurnal Ilmiah Mahasiswa FEB Jurnal Ekonomi dan Perbankan Syariah Relevance: Journal of Management and Business
Pratiwi, Rianti
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Economics, Econometrics & Finance Education Social Sciences

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IMPLEMENTASI PENGELOLAAN KEUANGAN DANA DESA YANG BERSUMBER DARI APBN 2015 (Studi pada Desa Tunjungtirto Kecamatan Singosari, Kabupaten Malang) Pratiwi, Rianti
Jurnal Ilmiah Mahasiswa FEB Vol. 4 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Jenis penelitian ini merupakan penelitian kualitatif deskriptif dengan tujuan untuk mengetahui dan mendeskripsikan sejauh mana kesesuaian antara implementasi pengelolaan keuangan yang telah diselenggarakan dengan peraturan yang mendasarinya. Data perolehan dari wawancara mendalam dengan dokumen terkait dibandingkan untuk dianalisa dan kemudian disimpulkan. Hasil penelitian menunjukkan bahwa Desa Tunjungtirto telah mampu menyelenggarakan pengelolaan keuangan yang transparan, partisipatif, akuntabel serta dilakukan dengan tertib dan disiplin anggaran. Masih diperlukan peningkatan kapabilitas perangkat desa dan konsistensi pendamping desa agar pengelolaan keuangan desa dapat terselenggara dengan lebih baik.This research is descriptive qualitative research which aims to determine and describe the gaps between village fund financial management implementation and its regulations. Collected data through in-depth interviews are compared and analyzed using relevant documents and summarized. The results show that the village of Tunjungtirto has been able to conduct its financial management transparently,  participatory,  accountably  and  orderly  and  to  use  disciplined budget principles. However, in order to have better financial management, it still needs to improve the capability and consistency of village staffs and supervisors.Keywords:    Law of Village, Rural Financial Management, Village Funding, Public Sector Accounting and Management
Determinants Of Islamic Financial Services Adoption In Indonesia: UTAUT-DOI Frameworks Pratiwi, Rianti; Suwandaru, Agung; Erismen Armen, Rio; Natraza, Azrina Candra
Relevance: Journal of Management and Business Vol. 8 No. 2 (2025): December
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/relevance.v8i2.13171

Abstract

This study examines the determinants of Islamic financial inclusion in Indonesia, focusing on internet access effects through integrated Unified Theory of Acceptance and Use of Technology (UTAUT) and Diffusion of Innovations (DOI) frameworks. Probit regression analysis was conducted on 6,606 respondents from the 2018-2019 Financial Inclusion Insights survey. The model includes internet access, demographic characteristics, and socio-economic factors, with comprehensive robustness checks including multicollinearity assessment, goodness-of-fit measures, and sensitivity analyses. Internet access is the strongest predictor of Islamic financial inclusion, with a marginal effect of 2.71 percentage points (p<0.001), representing a 160% relative increase. Marital status shows a 2.24 percentage point effect (p<0.001), while primary education contributes 0.88 percentage points (p<0.10). Unexpectedly, being male decreases adoption by 0.73 percentage points (p<0.05). Urban residence, age, higher education, and employment status show no significant effects. This research is the first to integrate UTAUT-DOI frameworks for Islamic financial services, extends UTAUT to Sharia-compliant behavior, and demonstrates that digital infrastructure can override traditional geographic barriers. The findings reveal context-dependent gender moderation and establish internet access as the highest-leverage policy intervention for expanding Islamic financial inclusion in developing countries.
Pengaruh Ekspektasi Usaha dan Sosial Terhadap Minat Penggunaan Shopee Paylater pada UMKM Sawangan, Depok Nugraha, Diana Fiqi; Putri, Diana; Pratiwi, Rianti
Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 2 (2024): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jeps.v12i2.1177

Abstract

Penelitian ini bertujuan untuk mengetahui apakah ekspektasi usaha memiliki pengaruh terhadap minat penggunaan Shopee paylater pada UMKM Sawangan Depok dan apakah sosial memiliki pengaruh terhadap minat penggunaan Shopee paylater pada UMKM Sawangan Depok. Metode penelitian ini menggunakan jenis pendekatan kuantitatif dengan analisis deskriptif. Sumber utama dalam penelitian ini diperoleh dari penyebaran kuesioner dan observasi kepada UMKM daerah Sawangan Depok. Hasil penelitian ini yaitu kedua variabel yang dianalisis yaitu variable ekspektasi usaha dan variable social. Variabel ekspektasi usaha berpengaruh secara signifikan terhadap minat penggunaan Shopee paylater dan variabel sosial berpengaruh secara signifikan terhadap minat penggunaan Shopee paylater
Co-Authors Agung Suwandaru Diana Putri ERISMEN ARMEN, RIO Natraza, Azrina Candra Nugraha, Diana Fiqi