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Sutarni, Sutarni
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The influence of understanding financial literacy, perceived ease of users, and consumptive lifestyles on the use of Shopee paylater (to student in the special region of Yogyakarta) Sutarni, Sutarni; Dimas, Syifa Shabihah
Proceeding of National Conference on Accounting & Finance Volume 6, 2024
Publisher : Master Program in Accounting, Faculty of Economics, Universitas Islam Indonesia

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Abstract

The purpose of this study was to find out whether financial literacy has a positive and significant effect on the use of Shopee Paylater, to find out whether user convenience has a positive and significant effect on the use of Shopee Paylater and whether the consumptive lifestyle has a positive and significant effect on the use of Shopee Paylater. This research uses quantitative research methods. The data used in this study are primary data and secondary data. The data analysis technique used is Partial Least Square (PLS) analysis. The PLS measurement model consists of three main elements: the outer model, the goodness of fit criteria, and the inner model. Then the results show that financial literacy has a positive and significant effect on the use of Shopee Paylater, ease of use has a positive and significant effect on the use of Shopee Paylater, and a consumptive lifestyle has a positive and significant effect on the use of Shopee Paylater for students in the Special Region of Yogyakarta.
Assistance For MSMES in The Adoption of Digital Marketing of Local Food Products Sutarni, Sutarni; Berliana, Dayang; Saputra, Kurniawan; Fitriani, Fitriani
Unram Journal of Community Service Vol. 5 No. 4 (2024): December
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v5i4.741

Abstract

One of the agro-industry players in processed food products in Punggur District, Central Lampung Regency, Lampung Province, is KWT Canala. KWT in Punggur Regency merged into an organization called the KWT forum of Punggur Regency. The application of digital marketing technology in KWT in Punggur District, Central Lampung Regency is;  The application of the internet is still very limited, this is due to the low skills of internet applications that can be used in business. The low use of digital media in business is caused by incompetent expertise in using the internet, social media, marketplaces, and product promotion.  Therefore, it is necessary to provide assistance to KWT members in implementing digital marketing so that sales volume increases. This program aims to provide assistance to MSMEs in Punggur Regency related to the manufacture of attractive labels and packaging that are able to compete in the market as well as the application of digital marketing in improving the performance of local food product businesses so that it can increase KWT's sales volume and revenue. The methods used are lectures, discussions and demonstrations through pre-activity activities (permit management, consolidation), exercises and demonstrations, development and evaluation of online stores (initial evaluation, process evaluation and evaluation of results or sustainability impacts). The result of this program is to improve the knowledge and skills of MSME managers in Punggur District about making labels, packaging and the use of digital marketing for products to be produced. 
Analisis Pendapatan Padi Sawah Di Desa Jojog Kecamatan Pekalongan Kabupaten Lampung Timur Sari, Dwi Maya; Trisnanto, Teguh Budi; Apriyani, Marlinda; Sutarni, Sutarni
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 3 No. 1 (2023): January-April
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v3i1.584

Abstract

Rice is an important and staple commodity for the food consumption of the Indonesian people. Lowland rice production in East Lampung Regency is in second place with 466,563.66 tons after Central Lampung with 555,127.87 tons. In 2020 the fifth largest rice production in East Lampung Regency is Pekalongan District with 37,789 tons and has a harvested area of 6,910 ha. The agricultural area in Jojog Village is the highest compared to other villages in Pekalongan District. However, this area of land is not proportional to the amount of harvest produced and the income of farmers. The purpose of writing this final project is to analyze the income of paddy rice farming in Jojog Village. The determination of the sample in this final project uses a non-probability sampling technique, which is a data collection technique or sample so that all data is likely to be selected as a sample that is not the same size, using a purposive sampling technique, namely by deliberately determining respondents consisting of 60 farmers, namely 30 respondents rice farming established variety and 30 respondents rice farming impari variety 32. The analytical method used is the analysis of farm income. The results showed that the average production of established variety rice was 2,647 kg/farmer or 7,058 kg/ha with a selling price of IDR 4300/kg, while for the impari 32 variety 2,372 kg/farmer or 6,777 kg/ha with a selling price of IDR 4300/kg obtained an average income of rice farming of the impari 32 variety of IDR 5,664,603/farmer or IDR 16,184,581/ha. The R/C ratio value of the established variety was 2.23 and the B/C ratio was 1.23, while the R/C ratio value for the impari 32 variety was 2.25 and the B/C ratio was 2.25 indicating that lowland rice farming in Jojog village is profitable.
Faktor - Faktor Yang Mempengaruhi Produksi Usahatani Ubi Kayu Di Desa Mataram Udik Kecamatan Bandar Mataram Armawan, Nyoman; Sutarni, Sutarni; Noer, Irmayani; Fitriani, Fitriani
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 3 No. 1 (2023): January-April
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v3i1.585

Abstract

Cassava is the third largest consumption food in Indonesia after rice and wheat, which is 6.78% per capita per year. One of the commodities cultivated in Mataram Udik Village is cassava. Increased income and production of cassava will be achieved if fertilization is optimal. The purpose of this research is to analyze the factors that influence production and to analyze the income of cassava farming in Mataram Udik Village, Bandar Mataram District. This research was conducted from July to August 2022. Sampling was carried out by simple random sampling and the number of respondents was 43 cassava farmers. Data analysis in this study used multiple regression analysis with the production function of the Cobb-Douglas equation and income analysis. Based on the results of the study it can be seen that the factors that influence cassava production at a significant level of 5% are land area (X1), seeds (X2), chemical fertilizers (X3), labor (X5) and dummy organic fertilizers (D1). While the production factors that have no significant effect on cassava production are herbicides (X4), because the probability value is more than the 5% significance value - the average income for cassava farming is Rp. 95,407,121/2.47 ha and Rp. 38,632,085/ha in one growing season. The average total cost of cassava farming is Rp. 32,598,717/2.47 ha and Rp. 13,197,861/ha. The average income of cassava farmers is Rp. 62,808,404/2.47 ha and Rp. 25,428,504/ha in one growing season. In cassava farming, an R/C ratio of 2.92 and a B/C ratio of 1.92 means that every Rp. 1 spent will generate revenue of Rp. 2.92. This R/C ratio explains that cassava farming is feasible and the B/C value is greater than 1 which means cassava farming is profitable and can be increased.
Technical Efficiency Analysis of Non-Chemical Pesticide Rice Farming in Rejoasri Village, Seputih Raman District Sutarni, Sutarni; Fitriani, Fitriani; Berliana, Dayang; Andarwangi, Tunjung
ABEC Indonesia Vol. 12 (2024): 12th Applied Business and Engineering Conference
Publisher : Politeknik Negeri Bengkalis

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Abstract

Rejoasri Village, Seputih Raman District, is one of the villages that implements sustainable agricultural practices, namely non-chemical pesticide rice farming that produces rice free of chemical pesticide residue "Berasera". The problem faced in farming is the low productivity of paddy fields so that the level of technical efficiency of rice farming is also low. This will cause economic sustainability to also be low. The objectives of this study are (1) Analyze the factors that affect the production of non-chemical pesticide paddy paddy farming, (2) Analyze the level of technical efficiency of non-chemical pesticide paddy paddy farming, and (3) Analyze the determinants of in-efficiency of non-chemical pesticide paddy paddy farming in Seputih Raman District, Central Lampung Regency. This research will be carried out in Rejoasri Village, Seputih Raman District, Central Lampung Regency. The research sample was taken as many as 30 people. The research data will be analyzed in a qualitative and quantitative descriptive manner. The data will be tabulated, analyzed mathematically, and analyzed statistically according to the research objectives. Itwill be processed using a computer using frontier software version 4.1. The first, second, and third research objectives were analyzed using the stochastic frontier production function approach. The technical efficiency for a farmer ranges from zero to one or the Technical Efficiency (TEi) value is 0 ≤ TEi ≤ 1. The results showed that the factors that had a significant effect on the production of non-chemical pesticide rice were the area of agricultural land (X1), organic fertilizer (X4), and vegetable pesticides (X5), while the factors that did not have a significant effect on the production of non-chemical pesticide rice were the Seed variable (X2), the inorganic fertilizer variable (X3), and the rice farming labor variable (X6). The average value of technical efficiency of non-chemical pesticide rice production in the region is 0.8737, which means that the cultivation of non-chemical pesticide rice has been efficient, because the technical efficiency value is with an average of > 0.7000. There are 86.6667% of farmers who have achieved technical efficiency, and as many as 13.3333% of farmers have not achieved technical efficiency in the non-chemical pesticide rice business. Significant factors affecting the technical inefficiency of non-chemical pesticide rice farming are age, education, and experience in non-chemical pesticide rice farming.
TRANSFORMASI DIGITAL MENGGUNAKAN SISTEM MANAJEMEN KEUANGAN TERINTEGRASI SISTEM E-COMMERCE SEBAGAI STRATEGI SKALABILITAS INDUSTRI RUMAH TANGGA Subektiningsih, Subektiningsih; Sutarni, Sutarni; Sekarningrum, Anggun Anindya; Hidayat, Muhammad Alfi; Santoso, Wahid Hasim
Jurnal Abdi Insani Vol 12 No 10 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i10.3077

Abstract

Mitra dalam program pendampingan ini adalah Jessamyn yang mempunya bidang usaha mikro berupa produk baby care, aromaterapi, dan produk spa. Dalam pengelolaan transaksi keuangan masih menggunakan cara manual menggunakan buku tulis, sehingga dapat terjadi kekeliruan pencatatan, selisih transaksi, rentan kesalahan, catatan hilang maupun rusak. Pencatatan transaksi keuangan juga belum dilakukan secara terstruktur sesuai dengan siklus akuntansi. Oleh karena itu, diperlukan transformasi digital dalam melakukan manajemen keuangan berbasis sistem dan pendampingan untuk meningkatkan kompetensi pengelolaan keuangan. Tujuannya adalah untuk meningkatkan transparansi dan akurasi pencatatan keuangan dan meningkatkan skalabilitas bisnis secara bertahap. Program pendampingan berhasil meningkatkan kompetensi Mitra dari level dasar ke level yang lebih tinggi pada seluruh aspek manajemen keuangan. Berdasarkan instrumen pre-test dan post-test, pada awalnya kompetensi pengelolaan keuangan secara keseluruhan rata-rata adalah 34,375%. Setelah pelaksanaan pendampingan rata-rata nilai indeks kompetensi menjadi 79,375%, artinya secara keseluruhan pada aspek manajemen keuangan terjadi peningkatan kompetensi sebesar 45%. Peningkatan nilai indeks menjadi bukti dari efektivitas pendampingan terhadap peningkatan pengetahuan dan keterampilan pengelolaan keuangan. Implementasi Sistem Manajemen Keuangan yang terintegrasi dengan sistem e-commerce dapat mendukung strategi usaha Jessamyn yang belum mempunyai toko fisik untuk memperluas jangkauan pasar (market reach). Dukungan digital payment gateway pada sistem e-commerce bertujuan untuk perlindungan transaksi yang aman. Sehingga, dapat meningkatkan kepercayaan konsumen dan mendorong pertambahan volume penjualan dengan penambahan kanal digital untuk pembelian produk. Transformasi berbasis digital menjadikan proses bisnis lebih adaptif terhadap perubahan tren belanja, peluang ekonomi yang terus bertumbuh, dan meningkatkan daya saing untuk keberlanjutan industri rumah tangga maupun UMKM.
Analisis Struktur Pasar Cabai Rawit Merah (Studi Kasus Pasar Perumnas Way Halim, Bandar Lampung) Tri Marinda, Siti; Budi Trisnanto, Teguh; Fitriani, Fitriani; Sutarni, Sutarni
Journal of Food System & Agribusiness Volume 8 Nomor 2 Tahun 2024
Publisher : Politeknik Negeri Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25181/jofsa.v8i2.3796

Abstract

Perumnas Way Halim Market is the first Indonesian National Standard market in Lampung Province. Market analysis was carried out to find business opportunities and potential that could be exploited, in terms of products sold or market structure. Red cayenne pepper has potential because it is a product that is unique that follows trends and high product demand. However, the obstacles faced by this product are fluctuating prices and product supplies being influenced by the weather. This research aimed to analyze marketing channels and market share, market structure, and market structure efficiency. This research used a non-probability sampling approach with the judgmental sampling method. The analysis method consists of four indicators; they are market share, Concentration Ratio for Biggest Four (CR4), Hirschman Herfindal Index (IHH), and Gini coefficient. The research results showed that there are 7 marketing channels with 3 to 4 marketing institutions in each channel. The largest market share is owned by 3 market players with sales of 90 kg/month each. The results of the four indicators analyzed from the red cayenne pepper market at Perumnas Way Halim Market indicated an oligopoly market structure. Market efficiency analyzed using indicators of market concentration, product differentiation, market entry and exit barriers and market information revealed a more efficient market structure.
Efisiensi Penggunaan Faktor Yang Mempengaruhi Produksi Usahatani Ubi Kayu di Desa Mulang Maya Kecamatan Kotabumi Selatan Prasetia, Yudi; Sutarni, Sutarni
Journal of Food System & Agribusiness Volume 8 Nomor 2 Tahun 2024
Publisher : Politeknik Negeri Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25181/jofsa.v8i2.4174

Abstract

Provinsi Lampung merupakan kontributor utama produksi ubi kayu nasional dengan pangsa sebesar 39,74 persen. Meskipun demikian, produktivitas usahatani ubi kayu masih tergolong rendah akibat tekanan harga, keterbatasan akses terhadap faktor produksi, pasar, dan kelembagaan para petani. Tujuan penelitian ini yaitu untuk mengkaji pengaruh faktor-faktor produksi terhadap hasil usahatani ubi kayu serta menilai tingkat efisiensi alokatif penggunaannya di Desa Mulang Maya, Kecamatan Kotabumi Selatan, Kabupaten Lampung Utara. Penelitian ini dilakukan menggunakan metode survei dengan pendekatan fungsi produksi Cobb-Douglas. Penentuan sampel dilakukan menggunakan rumus Slovin dengan teknik random sampling terhadap 41 petani responden, namun peneliti menetapkan jumlah responden sebanyak 50 petani dengan tujuan memperoleh data yang lebih akurat dan representatif. Hasil penelitian menunjukkan bahwa variabel luas lahan, jumlah bibit, penggunaan pupuk kimia dan pupuk kandang, herbisida, serta tenaga kerja berpengaruh signifikan secara simultan terhadap hasil produksi ubi kayu. Pemanfaatan faktor produksi tersebut belum mencapai efisiensi alokatif. Diperlukan peningkatan kapasitas petani melalui penerapan teknologi budidaya sesuai prinsip Good Agricultural Practices (GAP), optimalisasi alokasi input produksi, serta penguatan kelembagaan petani. Upaya optimalisasi ini diharapkan dapat meningkatkan produktivitas dan keuntungan usahatani ubi kayu secara berkelanjutan di wilayah penelitian.
Strategi Pengembangan Bisnis Kuliner dengan Metode Swot dan Business Model Canvas di Kecamatan Purbolinggo (Studi Kasus: Bank Btpn Syariah) Purbangga, Hafis Indra; Sutarni, Sutarni; Berliana, Dayang; Apriyani, Marlinda
Mimbar Agribisnis : Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Vol 12, No 1 (2026): Januari 2026
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ma.v12i1.21150

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector in Purbolinggo District are facing internal challenges, such as limited capital, business skills, and minimal promotion, as well as external challenges, including market competition and low adaptation to technology. Bank BTPN Syariah, through the Bestee program, is providing solutions in the form of financing and business assistance, including training in financial recording, promotion strategies, and brand identity development. This study aims to analyze the costs, revenues, and incomes of culinary MSMEs, to measure income improvement after assistance, and to formulate development strategies using the SWOT and Business Model Canvas (BMC) approaches. The study is conducted using purposive sampling with seven respondents who are Bank BTPN Syariah clients engaged in culinary businesses. Data analysis consists of cost, revenue, and income calculations, as well as income differences before and after the assistance program. Furthermore, IFAS (Internal Factor Analysis Summary) and EFAS (External Factor Analysis Summary) analyses are used to develop the SWOT matrix. The results show that the average monthly income of culinary MSMEs is IDR 3,728,589 with an R/C ratio of 1.5 and a B/C ratio of 0.5, indicating that the business is profitable. After receiving assistance, income increases by 11.82%. Based on SWOT analysis, MSMEs are positioned in Quadrant I with a Strength–Opportunity (SO) strategy, which is to develop product and service variations, establish partnerships with fresh raw material suppliers, and build a simple distribution system. Evaluation through the BMC indicates that MSMEs have great potential to grow by determining appropriate market segments, offering value that meets consumer needs, and utilizing digital technology for wider and more effective distribution and marketing.
Implementasi Soil Bioengineering Terhadap Produksi Padi di Desa Tulus Rejo Kecamatan Pekalongan Setiawan, Putra Fajar; Sutarni, Sutarni; Fitriani, Fitriani; Apriyani, Marlinda
Mimbar Agribisnis : Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Vol 12, No 1 (2026): Januari 2026
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ma.v12i1.21752

Abstract

The increase in rice production in river basins (DAS) often faces challenges in the form of a decline in land quality due to land erosion and soil structure degradation that has an impact on farmers' harvests. One of the approaches that is beginning to be developed to overcome this problem is the soil bioengineering technique, which is a vegetation-based soil conservation method that aims to resist erosion and improve the physical condition of the land naturally. This research aims to: (1) analyze the cost, receipt and income of rice farming in the Tulusrejo Village Watershed, (2) analyze the comparison of costs, production and income between soil bioengineering farmers, and (3) analyze the factors of rice production and the influence of soil bioengineering on rice production, (4) analyze the elasticity of rice production. The research was carried out in Tulus Rejo Village, Pekalongan District using the cluster random sampling method on 37 rice farmers in river basins (DAS). The data was analyzed using the Shapiro-Wilk, Mann-Whitney U test and the Cobb-Douglas linear regression model. The research results show that the implementation of soil bioengineering causes significant differences in total costs, production and income between the two groups of farmers. In addition, based on the regression results, it is known that the variables of land area, seeds, fertilizers and pesticides have a real effect on rice production, while soil bioengineering does not have a significant statistical effect. This finding indicates that the implementation of production inputs and the implementation of soil bioengineering techniques are effective in increasing rice production and are suitable for implementation as an environmentally friendly and sustainable land conservation strategy. The production elasticity value of 1,176 shows the condition of increasing return to scale, which means that the addition of production inputs proportionally will increase rice production output proportionally.
Co-Authors Acihmah Sidauruk Amanda Hardianti, Dwi Analianasari Analianasari Andarwangi, Tunjung Andya Bellapama, Intan Anggrellanggi, Arsy Annisa Fitri Annisa Fitri, Annisa Arishandi , Ninda Putri Armawan, Nyoman Azissah , Danur Bernadhed, Bernadhed Bina Unteawati Bria, Angela Merici Budi Trisnanto, Teguh Bunyamin Bunyamin Cholid Fatih Dayang Berliana Desfaryani, Rini Dimas, Syifa Shabihah Dita Pratiwi Dwi Maya Sari, Dwi Maya Edy Humaidi Eko Prasetyo Eko Prasetyo Fajar Setiawan Fath, Muqaffa Raga Fitriani Fitriani Hidayat, Muhammad Alfi Hilda Karim Hilintri, Yatri Indaryati, Sri Khanif, Alfin Nazlil Kurniawan Saputra Listiarini Edy Sudiati Lubis, Hiqmah Purnama M. Zaini, M. Mahmud, Ramli Margasaty, Fadila Marlinda Apriyani Muhiddin Palennari Mulia Sulistiyono Munawir Yusuf Noer, Irmayani Noor, Tajuddin Nopitabela , Vreciosa Nuni Anggraini Parida, Parida Pirmansah, Imam Ainudin Pitaloka, Seroja Elok Poncowati, Neny Rossita Prasetia, Yudi Pratama, Nadia Lediana Pratiwi, Anik Purbangga, Hafis Indra Puspita, Putri Fina Roni Lukum Santoso, Wahid Hasim Sari , Lara Harnelis Satria, Dhimas Adi Saty, Fadila Marga Sekarningrum, Anggun Anindya Setiawan , Arief Sislya, Meylda Putri Subektiningsih Subektiningsih Sudiyo, Sudiyo Syabila, Qoriah Tri Marinda, Siti Trisnanto, Teguh Budi Tuti rohani Unteawati, Bina Widya Kusumaningsih Widyawati, Dewi Kania Yuniarti, Evi