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All Journal Jurnal Akuntansi & Auditing Indonesia JURNAL AKUNTANSI UNIVERSITAS JEMBER JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Owner : Riset dan Jurnal Akuntansi GANEC SWARA PEDULI: Jurnal Imiah Pengabdian Pada Masyarakat Jurnal Aplikasi Akuntansi Jurnal Ilmiah Tata Sejuta STIA Mataram Jurnal Gema Ngabdi Current : Jurnal Kajian Akuntansi dan Bisnis Terkini Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Abdimas Sangkabira International Journal of Community Service BIOS : Jurnal Teknologi Informasi dan Rekayasa Komputer East Asian Journal of Multidisciplinary Research (EAJMR) Balance : Jurnal Akuntansi dan Manajemen Asian Journal of Management Analytics Journal of Accounting Management Business and International Research International Journal of Business and Applied Economics (IJBAE) Journal of Management Accounting, Tax and Production
Nurabiah, Nurabiah
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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From wallets to screens: Exploring the determinants of QRIS payment adoption among Millennials in Eastern Indonesia Tatian, Calysta Tartila; Nurabiah, Nurabiah; Ridhawati, Rini; Thao, Hoang Thi Phuong
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol. 21 No. 1 (2024): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v21i1.21712

Abstract

In response to the global challenges and the demands of the digital revolution, Bank Indonesia launched the Quick Response Code Indonesian Standard (QRIS), a unified payment system designed to enhance convenience and security. Despite these potential benefits, the adoption rate of QRIS has been relatively slow. This study aims to understand the factors driving the adoption of QRIS among Millennials in Eastern Indonesia by examining how attitudes, subjective norms, and perceived behavioral control affect their intention to use QRIS. Using a quantitative approach and Partial Least Squares Structural Equation Modeling (PLS-SEM), we analyzed data from 505 respondents. The findings reveal that attitudes, subjective norms, and perceived behavioral control significantly impact Eastern Indonesian Millennials intention to adopt QRIS. Interestingly, even though Eastern Indonesia is known for its inadequate digital infrastructure and low digital literacy, these internal behavioral factors are remarkably positive.  This indicates that the low penetration of QRIS in the region is mostly due to external factors rather than individual behavioral tendencies.
Pendampingan Penggunaan Financial Technology Di Era Society 5.0 Di Desa Saribaye Kecamatan Lingsar Lobar Nurabiah, Nurabiah; Pusparini, Herlina; Fitriyah, Nur; Bambang, Bambang; Mariadi, Yusli; Aprilian, Imam Yuardi; Setiawati, Rani; Santoso, Aprilia; Wulan, Putri Cahya
Jurnal Gema Ngabdi Vol. 6 No. 2 (2024): JURNAL GEMA NGABDI
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jgn.v6i2.420

Abstract

Saribaye Village is one of the villages in NTB that is of concern for financial literacy issues. One of the programs held by the NTB Province OJK is the "sobat sikapi" program. This service aims to increase understanding and good use of fintech for young people and MSMEs in Saribaye village and can be implemented in everyday life. To solve partner problems related to understanding and using digital financial applications in the form of payment systems on Gojek, OVO, Shopee, Bukalapak, Tokopedia, Tcash, Dana and Paytren, the implementation of this service consists of two stages, including 1) First Stage, providing knowledge and information about digital finance in the form of payment systems on Gojek, OVO, Shopee, Bukalapak, Tokopedia, Tcash, Dana and also Paytren to make them understand more about the benefits of using fintech. 2) Second stage, offline and online consultation assistance. If there are young people and MSME players who still don't understand what digital finance is and its use, they can ask at any time via the service team's WhatsApp or via email to each service team. In this training, the methods are lecture, practice, and discussion. This mentoring was attended by 26 participants. After conducting the survey, the results showed that the level of financial literacy in the form of respondents' use of fintech was good. This was proven by 40.9% of the average respondents' answers indicating good financial literacy, 38.3% showed quite good results and 20.9% showed poor results.  Keywords: mentoring; financial literacy; digital finance
PENGARUH PEMAHAMAN STANDAR AKUNTANSI PEMERINTAHAN DAN PEMANFAATAN SISTEM INFORMASI AKUNTANSI TERHADAP KUALITAS LAPORAN KEUANGAN DENGAN KOMPETENSI SUMBER DAYA MANUSIA SEBAGAI VARIABEL MODERASI (Studi Empiris pada OPD BPKAD Pemerintahan Kota Bima) RAMADHAN, M ZIQRY; Nurabiah, Nurabiah
Bisnis-Net Vol 7, No 1: JUNI 2024
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v7i1.4284

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pemahaman standar akuntansi pemerintah (SAP) dan pemanfaatan sistem informasi akuntansi (SIA) terhadap ualitas laporan keuangan pemerintah daerah dengan kompetensi sumber daya manusia (SDM) sebagai variabel moderasi. Jenis penelitian ini menggunakan penelitian asosiatif dengan metode kuantitatif. Penelitian ini menggunakan data primer yang diperoleh secara langsung dengan melakukan penyebaran kuesioner kepada OPD di BPKAD Kota Bima. Penentuan sampel dengan teknik purposive sampling dengan kriteria pegawai yang bekerja di BPKAD Kota Bima dan Menjabat sebagai Kepala Bidang, Sekretaris, Bendahara, dan Staf Keuangan, sehingga diperoleh jumlah keseluruhan sebanyak 75 responden. Adapun alat analisis data menggunakan menggunakan Partial Least Square (PLS). Hasil penelitian ini menunjukkan bahwa pemahaman standar akuntansi pemerintahan tidak berpengaruh terhadap kualitas laporan keuangan, sedangkan pemanfaatan sistem informasi akuntansi berpengaruh signifikan terhadap kualitas laporan keuangan pemerintah daerah. Kompetensi sumber daya manusia tidak dapat memoderasi pengaruh pemahaman standar akuntansi pemerintahan terhadap kualitas laporan keuangan, sedangkan kompetensi sumber daya manusia dapat memperlemah pengaruh pemanfaatan sistem informasi akuntansi terhadap kualitas laporan keuangan pemerintah daerah.
PENGARUH PENGETAHUAN AKUNTANSI, TINGKAT PENDIDIKAN, LATAR BELAKANG PENDIDIKAN DAN MOTIVASI KERJA TERHADAP PENGGUNAAN INFORMASI AKUNTANSI PADA PELAKU UMKM DI KOTA BIMA NURHIKMAH, NURHIKMAH; BAMBANG, BAMBANG; NURABIAH, NURABIAH
GANEC SWARA Vol 18, No 1 (2024): Maret 2024
Publisher : Universitas Mahasaraswati K. Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35327/gara.v18i1.762

Abstract

This study aims to examine the effect of accounting knowledge, education level, educational background and work motivation on the use of accounting information on MSME actors in Bima City. This research is quantitative associative research. This study uses primary data obtained by distributing questionnaires to 137 respondents who are owners/ managers of MSMEs in Bima City. The data analysis technique in this study was carried out using the Partial Least Square (PLS) method using SmartPLS 3.0 software. The result of this study is that there is a positive influence between accounting knowledge and work motivation on the use of accounting information. However, the level of education and educational background has no significant effect on the use of accounting information. This research is limited to accounting knowledge, education level, educational background and work motivation so that other variables need to be developed to be more in-depth such as business age, business scale, accounting training, business experience and others.
ANALISIS SISTEM INFORMASI MANAJEMEN DALAM PENYALURAN KREDIT USAHA RAKYAT (KUR) PADA PT. BANK RAKYAT INDONESIA (PERSEROAN) TBK. UNIT SUMBAWA BESAR SUHANDARI, HELDA; BAMBANG, BAMBANG; NURABIAH, NURABIAH
GANEC SWARA Vol 18, No 2 (2024): Juni 2024
Publisher : Universitas Mahasaraswati K. Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35327/gara.v18i2.848

Abstract

This research aims to analyze the management information system in KUR distribution at Bank Rakyat Indonesia Sumbawa Besar unit. The research method used was a qualitative descriptive approach with data collection techniques through interviews. The informants in this research were the head of the KUR section and staff at the Bank Rakyat Indonesia Sumbawa Besar Unit. The results of this research can be concluded that the use of management information systems in KUR distribution at BRI bank is based on several indicators, namely 1). Accuracy with a high level of truth so that the implementation of management information systems can reduce risks and obstacles when carrying out the data validation process 2). Information is also timely to convey information according to target 3). The information is also in accordance with what is provided to ensure that the information presented is in accordance with consumer needs and finally 4). Information must be complete because it will provide effective support for management in managing the organization efficiently and effectively which will have an impact on their attitude of acceptance of the technology and will have a huge impact on employee performance as well as updates or additions to features in the system that allow users to access information. additional or more detailed and ensure that the information presented by the system can be interpreted easily and is used effectively to design mechanisms or features in the KUR management information system in a format that is easy to understand
PENGARUH E-COMMERCE, SOSIAL MEDIA, DAN FINANCIAL TECHNOLOGY TERHADAP PENINGKATAN PENDAPATAN USAHA MIKRO KECIL MENENGAH (UMKM) DI SUMBAWA BESAR Maharani, Aprilia; Nurabiah, Nurabiah
Bisnis-Net Vol 7, No 2: DESEMBER 2024
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v7i2.4869

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh e-commerce, sosial media, dan financial technology terhadap peningkatan pendapatan UMKM di Sumbawa Besar. Jenis penelitian ini menggunakan penelitian asosiatif dengan metode kuantitatif. Penelitian ini memperoleh data dengan menyebarkan kuesioner secara langsung dan melalui google forms. Penentuan sample dengan teknik porposive sampling dengan kriteria UMKM yang menggunakan e-commerce, sosial media, dan financial technology dalam penjualannya, sehingga diperoleh jumlah sebanyak 65 UMKM. Adapun alat analisis menggunakan SmartPLS. Hasil penelitian ini menunjukkan bahwa e-commerce, sosial media, dan financial technology memiliki pengaruh yang positif dan signifikan terhadap peningkatan pendapatan UMKM di Sumbawa Besar.
Analysis of the Implementation of the Development Information System (SIPBANG2) at the NTB Provincial Library and Archives Service Islami, Fitriani Putri; Nurabiah, Nurabiah
Asian Journal of Management Analytics Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v4i1.12960

Abstract

This study aims to determine how the implementation of the Development Information System (SIPBANG2) in the NTB Provincial Library and Archives Service. This study uses a descriptive research method with a qualitative approach. The results show that SIPBANG2 makes it easier to manage data and budget reports with intuitive features and integration into a central system, although there are still technical obstacles such as errors that affect data accuracy. The perception of usability and ease of use tends to be positive, even though productivity is not optimal. Attitudes towards user behavior show good acceptance, supported by strong perceptions of behavioral interest to continue using this system as part of government policy. In behavioral perception, SIPBANG2 implementation has helped the input and reporting process, and users are optimistic that this system can provide greater benefits with continuous improvement.
The Effect of E-commerce, Social Media and Digital payment on Increasing Revenue of Micro, Small and Medium Enterprises (MSMEs) in Mataram City Aulia, Irma; Nurabiah, Nurabiah
International Journal of Business and Applied Economics Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v4i1.13252

Abstract

This study examines the impact of e-commerce, social media, and digital payments on enhancing the revenue of Micro, Small, and Medium Enterprises (MSMEs) in Mataram City. These three variables were chosen because of their role in expanding markets, increasing customer interaction, and facilitating financial transactions. Data were gathered from 118 MSME participants via surveys and analyzed utilizing the Partial Least Squares (PLS) approach. The findings indicate that e-commerce, social media, and digital payment positively and significantly influence the income of MSMEs. Where E-commerce can support marketing efficiency, social media increases product visibility, and digital payments facilitate transactions and increase operational efficiency.
The Influence of Financial Literacy, Financial Technology and Fear of Missing Out on the Financial Behavior of Generation Z Hemayanti, Niril; Nurabiah, Nurabiah
East Asian Journal of Multidisciplinary Research Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v4i1.13276

Abstract

Generation z is a group that is very familiar with digital technology and social media, because generation z grows and develops in the digital era which affects almost all aspects of life including financial behavior. The purpose of this study is to examine how the influence of financial literacy, financial technology and FOMO on the financial behavior of generation z. The population of this study is 29,792 people. The number of sample data in this study is 620 people. The sampling method used proportionate stratified random sampling. The data processing in this study applies the Partial Least Square (PLS) technique with the SmartPLS 4.0 software application. The results of the analysis of this study said that financial literacy and financial technology have a significant positive effect on financial behavior. Fear of missing out has a significant negative effect on financial behavior.
Determinants of Village Financial System (Siskeudes) Quality in Wanasaba Sub-district Agustina, Lia; Nurabiah, Nurabiah
East Asian Journal of Multidisciplinary Research Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v4i1.13367

Abstract

This study aims to objectively examine the determinants of the quality of the village financial system (Siskeudes) at the village office in Wanasaba sub-district. This research addresses the gaps identified in previous research. This study uses a quantitative approach, Using purposive sampling method, with the criteria of selecting village officials involved with Siskeudes. Data were gathered through questionnaires distributed to respondents, employing a 5-point Likert scale. The research sample included 70 respondents who were directly engaged with Siskeudes, and data analysis was conducted using SmartPLS software. The results of this study show that organizational culture variables have a positive impact on the quality of village financial systems. However, no impact was found between training and user competence on the quality of village financial systems.
Co-Authors Alfina, Deisya Andriyani, Varadinda Aprilia, Lala Latifa Annisa Aprilian, Imam Yuardi Aulia, Irma Aulya, Iis Azizah, Novia Fitri Bambang Bambang Bambang Cahyani, Suci Elin Erlina Sasanti Eni Indriani Fauzul, M. Fidduha, Arsyadila Sophia FITRIYAH, NUR Hemayanti, Niril Hilendria, Baiq Anggun Huswatun Hasanah Indriania, Eni Irsan, Sahrul Islami, Fitriani Putri Jurati, Jurati Karim, Nina Karina Key, Maria Yolanda Anel Stefani Lia Agustina, Lia Lukman Effendy, Lukman MAHARANI, APRILIA Medhitama, Deva Putri Muhammad Alwi, Lalu Nurhikmah Nurhikmah Osa Afgani, Azril Permana, Dewa Made Aditya Pilaili, Mila PRATAMA, ANDRIAN Pusparini, Herlina Puteri, Lilis Rahman Putri, Helmiati Putri, Novia Ardana Rahman, Satria Rizki RAMADHAN, M ZIQRY Rini Ridhawati Rukma, Gita Apriliali Sadalipa, Amrina Rosada Saesel, Ahmad Muzanni Mahirsan Safitri, Annisa Santoso, Aprilia Setiawati, Rani SUHANDARI, HELDA Suryantara, Adhitya Bayu Tatian, Calysta Tartila Thao, Hoang Thi Phuong Wahyudin, Lalu Teguh Agisna Wibowo, Dimas Aldy Wulan, Putri Cahya YUSLI MARIADI