Garuda - Garba Rujukan Digital

The Influence of Intention To Use Digital Wallet Applications, E-Service Quality And Trust on Consumer Satisfaction Toward Digital Payment Applications Apriliani, Rina; Prakoso, Teguh; Rustaman, Dede; Dharmawan, Donny; Wildan Nuryanto, Uli
Jurnal Informasi dan Teknologi 2024, Vol. 6, No. 1
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.v6i1.485

This research aims to see whether there is an influence between electronic service quality and trust on the decision to use electronic money services and its impact on consumer satisfaction. The population in this study is all people who use electronic money. This study's sample strategy makes use of a probability sampling process. The method of choice is straightforward random sampling. The sample for this study will consist of 100 respondents in total. Questionnaires and literature reviews were the modalities of data gathering employed in this study. The chosen method of research for this study will be quantitative research. The research methodology employed in this study is path analysis. The following conclusions were drawn from the analysis's findings: first, the e-service quality variable directly influences judgments. The trust factor is similar in that it likewise directly affects choices. Second, factors related to e-service quality and trust have a big impact on judgments at the same time. Third, decision variables, trust, and the quality of e-services all have a direct impact on customer happiness. Fourth, customer happiness is significantly impacted by decision variables, e-service quality, and trust all at the same time. Fifth, through decisions to utilize e-money services, there is an indirect relationship between e-service quality and trust and consumer happiness. Therefore, the quality of electronic services, the level of consumer trust, and purchasing decisions significantly shape consumer satisfaction, both directly and through indirect influences. These results provide an in-depth look at the factors influencing consumer decisions and satisfaction in the context of e-services.

Analysis of The Influence of Information System Applications, Digital Trainings and Technology Adoption on Financial Information System Performance Arjang; Prakoso, Teguh; Apriliani, Rina; Mertua Agung Durya, Ngurah Pandji; Pattiasina, Victor
Jurnal Informasi dan Teknologi 2024, Vol. 6, No. 1
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.v6i1.510

This study intends to investigate how top management support, user training programs, user technical skills, and technology advancements affect the performance of accounting information systems. This study is causal. The study's target demographic consists of retail enterprises implementing computerized systems. Data was gathered using the survey approach, which entailed sending out questionnaires. The sampling method employed is convenience sampling. Multiple linear regressions are employed in hypothesis testing. The study's findings support that technology advancements significantly impact how well the accounting information system functions. These findings align with earlier studies demonstrating how technological sophistication affects information systems' effectiveness, as determined by system utilization and user satisfaction. However, personal technical ability does not significantly influence its performance, in contrast to other research findings that show the opposite. User training programs and top management support have also been shown to dramatically influence AIS performance, following previous research indicating that training programs and management support can improve performance. Other variables not examined in this study explain most of the variation in AIS performance, suggesting the existence of different factors that also play an essential role in determining its performance.

Budgeting and Saving Effectiveness as the Main Pillar of Sustainable Personal Financial Management Prakoso, Teguh; Apriliani, Rina
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6187

Personal financial management is an important aspect of achieving financial stability and success. This research examines the importance of effective budgeting and saving practices as key components of personal financial management. The research shows that budgeting is important in personal financial management as it provides a clear framework for managing income and expenditure. By having a detailed budget, individuals can monitor their cash flow, ensure that they allocate funds to essential needs, and identify areas where spending can be reduced. Budgeting also helps set short-term and long-term goals, encouraging financial discipline and responsibility. Studies indicate that individuals who consistently follow a budget tend to have better financial health and are less trapped in debt. In addition to budgeting, effective saving practices are a key component of personal financial management. Saving is important to deal with financial emergencies and achieve future goals, such as home purchase, education, or retirement. Regularly setting aside a portion of income into savings can help individuals build financial reserves and reduce reliance on loans or credit. Studies have also found that saving regularly can increase financial well-being and reduce money-related stress. Therefore, effective budgeting and saving are two key pillars that complement each other in achieving sustainable personal financial stability.

Budgeting and Saving Effectiveness as the Main Pillar of Sustainable Personal Financial Management Prakoso, Teguh; Apriliani, Rina
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6187

Personal financial management is an important aspect of achieving financial stability and success. This research examines the importance of effective budgeting and saving practices as key components of personal financial management. The research shows that budgeting is important in personal financial management as it provides a clear framework for managing income and expenditure. By having a detailed budget, individuals can monitor their cash flow, ensure that they allocate funds to essential needs, and identify areas where spending can be reduced. Budgeting also helps set short-term and long-term goals, encouraging financial discipline and responsibility. Studies indicate that individuals who consistently follow a budget tend to have better financial health and are less trapped in debt. In addition to budgeting, effective saving practices are a key component of personal financial management. Saving is important to deal with financial emergencies and achieve future goals, such as home purchase, education, or retirement. Regularly setting aside a portion of income into savings can help individuals build financial reserves and reduce reliance on loans or credit. Studies have also found that saving regularly can increase financial well-being and reduce money-related stress. Therefore, effective budgeting and saving are two key pillars that complement each other in achieving sustainable personal financial stability.

STRATEGI BRAND ENGAGEMENT DALAM MENDUKUNG PERTUMBUHAN USAHA MIKRO, KECIL, DAN MENENGAH Apriliani, Rina; Teguh Prakoso; Jamaluddin Majid; Suriadi, Suriadi; Sonny Santosa
J-ABDI: Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 12: Mei 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jabdi.v4i12.10245

Kegiatan pengabdian kepada masyarakat ini bertujuan memberikan sosialisasi strategi brand engagement dalam mendukung pertumbuhan usaha mikro, kecil, dan menengah yang ada di Indonesia. Untuk memaparkan sosialisasi dalam strategi brand engagement dalam mendukung pertumbuhan usaha mikro, kecil, dan menengah dilalui beberapa tahap mulai dari tahap pengenalan, persuasi, dan keputusan. Strategi brand engagement dalam mendukung pertumbuhan usaha mikro, kecil, dan menengah melalui penggunaan media sosial, konten yang menarik, dan customer service yang melayani dengan baik

Investor Sensitivity to Liquidity and Systematic Risk in Indonesia's Real Estate Market Prakoso, Teguh; Apriliani, Rina; Yulistina, Yulistina; Dharmawan, Donny; Utiarahman, Nurnaningsih
Journal of Social Commerce Vol. 5 No. 3 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i3.165

The current paper analyzes whether the liquidity and systematic risk can predict stock returns not only as a typical financial indicator but as a kind of a descriptive tip in modern market environments. Using panel data of Indonesian firms listed in the property-sector in the Indonesia Stock Exchange, the research makes use of the random effects model of statistical analysis to assess how firms-level liquidity statistics, beta, and Return results are connected to one another. The findings show that the systematic risk has a strong and positive effect on the stock returns but this is not the case with liquidity, which does not have a similar type of effect. This result is not an indicator of the reduced role of economy but it is a significant rejuvenation concerning the methods in which financial information is being assimilated, ranked and acted upon by the investors. The lack of the effect of liquidity is said not to be irrelevant but invisible in platforms, stories, and investor attention schemes that are more and more dominating the interpretive access. By highlighting a changing ecology of valuation where the salience of financial metrics is mediated by visibility and volatility, as well as digital resonance, the findings help to understand that salience in this context has become contested, and the measured episodically as they become visible and volatile on the temporal shelf of valuation.

Analysis of The Influence of Information, Access to Credit and Transparency of Government Policies on Small Medium Enterprises Performance Soleh, Soleh; Apriliani, Rina; Santoso, Muhammad Hery; Prakoso, Teguh; Erasma, Erasma
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11115

Tujuan dari penelitian ini adalah untuk menganalisis tingkat akses usaha kecil dan menengah terhadap kredit. Metode yang digunakan meliputi survei dan observasi. Analisis data menggunakan univariat dan bivariat. Hasil analisis mengungkapkan beberapa tantangan yang dihadapi pelaku bisnis, terutama dalam memperoleh pendanaan yang diperlukan untuk pertumbuhan bisnisnya. Banyak dari mereka juga merasa tidak percaya terhadap sistem keuangan yang dapat menghambat akses mereka terhadap pembiayaan. Meskipun sebagian besar perusahaan mengalami tingkat permintaan yang negatif dan memiliki ekspektasi pesimistis terhadap kondisi investasi, namun ada juga sebagian kecil yang optimis terhadap perkembangan bisnisnya di masa depan.

Analysis of The Relationship Between Economic Growth, Micro Credit Absorption by MSMEs, Government Capital Regulations and Financial Digital Literacy Apriliani, Rina; Prakoso, Teguh; Srisulistiowati, Dwi Budi; Yuliana, Rachma; Dharmawan, Donny
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11665

Penelitian ini bertujuan untuk mengevaluasi peran biaya modal dalam mempengaruhi kemampuan penerima kredit dalam membayar kembali pinjamannya. Sampel penelitian ini terdiri dari 100 orang. Peneliti mengumpulkan data melalui wawancara, survei, dan catatan transaksi pinjaman. Penurunan suku bunga dalam program kredit mikro mempunyai dampak positif yang signifikan terhadap kinerja pembayaran. Hal ini meningkatkan kemampuan peminjam untuk membayar kembali pinjamannya dengan mengurangi jumlah cicilan. Kebijakan suku bunga rendah juga efektif dalam mengurangi risiko tunggakan dan mendukung tujuan inklusi keuangan dan pengentasan kemiskinan. Saran dari penelitian adalah penting bagi pemerintah untuk mempertimbangkan tingkat suku bunga dalam merancang program kredit mikro.

Penerapan Metode Iqro Dalam Meningkatkan Kemampuan Membaca Al-Qur'an Anak-Anak di Pengajian Bu Nia Kelurahan Cibadak Kosim, Kosim; Kusuma, Novita; Apriliani, Rina; Nur, Ridwan Agustian; Ananda, Dita Elia
Jurnal Pengabdian West Science Vol 5 No 02 (2026): Jurnal Pengabdian West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpws.v5i02.3214

Penelitian ini dilatarbelakangi oleh permasalahan yang dihadapi anak-anak dalam belajar membaca Al-Qur'an di pengajian Bu Nia, Kelurahan Cibadak RW 22 Kebon Randu. Tujuan penelitian adalah untuk mengimplementasikan Metode Iqro sebagai pendekatan sistematis dalam meningkatkan kemampuan membaca Al-Qur'an anak-anak, mengetahui dampak penerapan Metode Iqro terhadap kelancaran membaca dan penguasaan tajwid, serta mengidentifikasi faktor pendukung dan penghambat dalam penerapan metode tersebut. Penelitian ini merupakan penelitian kualitatif pengabdian masyarakat yang dilaksanakan selama satu bulan dengan jadwal lima kali seminggu (Senin, Rabu, Kamis, Jumat, dan Sabtu) pukul 18.00-19.30 WIB. Implementasi Metode Iqro dimulai dengan pengenalan huruf hijaiyah menggunakan buku Iqro yang disusun bertahap, dilanjutkan latihan membaca fonetik dengan memperhatikan makhraj dan tajwid dasar. Mahasiswa membuat media pembelajaran seperti kartu huruf hijaiyah dan poster untuk memudahkan pembelajaran. Anak-anak berlatih membaca ayat-ayat pendek dengan bimbingan intensif, disertai evaluasi berkala setiap minggu untuk mengukur perkembangan. Hasil penelitian menunjukkan peningkatan signifikan: penguasaan huruf hijaiyah meningkat dari 60% menjadi 90%, kelancaran membaca dari 25% menjadi 75%, dan 40% peserta berhasil naik jilid. Kehadiran anak-anak meningkat dari 70% menjadi 90%, menunjukkan peningkatan motivasi. Faktor pendukung meliputi pendampingan individual yang intensif, penggunaan media pembelajaran yang menarik, dan suasana belajar yang menyenangkan. Faktor penghambat adalah perbedaan kecepatan belajar antar anak dan konsistensi kehadiran, yang diatasi melalui pendekatan sabar dan komunikasi intensif dengan orang tua melalui grup WhatsApp.

Analysis of the Influence of Financial Literacy and Consumptive Behavior on Students' Investment Decisions in the Digital Era Prakoso, Teguh; Apriliani, Rina
Journal La Sociale Vol. 7 No. 1 (2026): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v7i1.2732

This study aims to analyze the influence of financial literacy and consumer behavior on students' investment decisions in the digital era. The research method used was quantitative with a survey approach. The research sample consisted of 120 Management Study Program students selected by purposive sampling. The research instrument used a questionnaire with a Likert scale of 1-5. Data analysis was performed using multiple linear regression with the help of SPSS. The results showed that financial literacy had a positive and significant effect on students' investment decisions, while consumer behavior had a negative and significant effect on investment decisions. These findings indicate the importance of improving financial literacy and controlling students' consumer behavior in making investment decisions in the digital era.

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