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All Journal Jurnal Ilmu Sosial dan Humaniora Jurnal Akuntansi Profesi EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Wahana Akuntansi SENTRALISASI Alignment: Journal of Administration and Educational Management International Journal of Social Science and Business Aptisi Transactions on Management JIA (Jurnal Ilmiah Akuntansi) Jurnal Bisnis dan Akuntansi JURNAL MANAJEMEN DAN BISNIS INDONESIA Business Management Journal Program Studi Manajemen Jurnal Sains Manajemen dan Bisnis Indonesia The Indonesian Journal of Accounting Research Jurnal Ilmiah Manajemen Kesatuan BUDGETING : Journal of Business, Management and Accounting JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Journal of Management - Small and Medium Enterprises (SME's) Journal of Economics and Business UBS Jurnal Pengabdian Masyarakat Indonesia juremi: jurnal riset ekonomi Jurnal Abdi Masyarakat Indonesia Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) ASERSI : Jurnal Akuntansi Terapan dan Bisnis Accountia Journal (Accounting, Trusted, Inspiring and Authentic Journal) Jurnal E-bussiness Institut Teknologi dan Bisnis Muhammadiyah Polewali Mandar Relasi : Jurnal Ekonomi Jurnal Pengabdian Masyarakat Manage Jurnal Ilmu Ekonomi dan Bisnis Jurnal Pengabdian Masyarakat IPTEKS
DWI CAHYONO
Universitas Muahammadiyah Jember
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Public Health Social Sciences Other

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Membangun Pemahaman Keuangan Untuk Mencegah Korban Pinjol Pada Mahasiswa Universitas Muhammadiyah Jember Dwi Cahyono; Radina Ayuningtyas; Ananda Dwi Maulidiah; Kamilatul Jannah; Aurelia Trya Febri Nur Aisiyah; Zico Is Mirza Wijaya; Evi Lestari
Jurnal Pengabdian Masyarakat IPTEKS Vol. 10 No. 1 (2024): JURNAL PENGABDIAN MASYARAKAT IPTEKS
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jpmi.v10i1.2150

Abstract

Dalam era digital yang telah berkembang pesat, teknologi finansial menjadi semakin penting bagi kehidupan sehari - hari, termasuk Financial Technology (FinTech) yang menggabungkan inovasi keuangan dengan teknologi modern. Salah satu jenis FinTech yang populer di Indonesia adalah Peer To Peer (P2P) Lending atau pinjaman online (pinjol). Artikel ini membahas kegiatan Pengabdian Kepada Masyarakat (PKM) yang dilakukan oleh Tim PKM Universitas Muhammadiyah Jember untuk meningkatkan pemahaman keuangan mahasiswa yang berguna untuk mencegah agar tidak ada korban pinjaman online (pinjol). Hasil dari kegiatan PKM yang dilakukan oleh Mahasiswa Universitas Muhammadiyah Jember menunjukkan bahwa pelatihan dan sosialisasi dengan topik mengenai dampak negatif pinjol serta pengelolaan keuangan yang baik, sangat bermanfaat bagi mahasiswa. Partisipasi mahasiswa dalam kegiatan PKM dinilai baik, sehingga diharapkan kegiatan pembinaan dan pelatihan ini terus berlanjut untuk meningkatkan kemampuan mahasiswa dalam mengelola keuangan dengan baik. Dengan demikian, artikel ini dapat memberikan kontribusi dalam upaya mencegah mahasiswa dari menjadi korban pinjaman online melalui pemahaman keuangan yang lebih baik
Artificial Intelligence Driven Predictive Risk Management in Green Technology Investment Paroli Paroli; Agung Rizky; Qurotul Aini; Dwi Cahyono; Jonathan Parker; Untung Rahardja
APTISI Transactions on Management (ATM) Vol 10 No 2 (2026): ATM (APTISI Transactions on Management: May)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v10i2.2635

Abstract

This study explores predictive risk management in green technology investments by leveraging Artificial Intelligence (AI) to address uncertainties associated with sustainable projects. As global financial institutions and governments increasingly allocate capital toward renewable energy, smart infrastructure, and low-carbon innovation, investors face multidimensional risks, including market volatility, technological failure, and regulatory change. Therefore, this research aims to develop an AI-driven predictive framework capable of identifying, analyzing, and forecasting potential investment risks in green technology portfolios to support informed decision-making. The study employs a quantitative approach using machine learning algorithms, including Random Forest, Gradient Boosting, and Neural Networks, trained on historical financial indicators, environmental performance metrics, and policy datasets. Each algorithm is selected based on its strengths: Random Forest for robustness, Gradient Boosting for predictive accuracy, and Neural Networks for capturing complex nonlinear relationships. A comparative perspective is used to highlight their tradeoffs, followed by feature importance analysis and predictive validation through cross-validation and evaluation metrics such as accuracy, precision, and RMSE. The findings show that the proposed model improves early risk detection compared to conventional statistical models, highlighting the effectiveness of machine learning in handling complex sustainability data. Furthermore, it identifies key risk determinants and enhances predictive reliability. Consequently, integrating AI-based predictive analytics into green investment strategies can strengthen risk mitigation, improve investor confidence, and support sustainable financial decision-making.
DETERMINAN FINANCIAL DISCLOSURE: TINJAUAN LITERATUR TERHADAP TRANSPARANSI DAN KINERJA PERUSAHAAN Fifi Rahma Dwiyanti; Dwi Cahyono
Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) Vol 5 No 2 (2026): April
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/jiaku.v5i2.7976

Abstract

This study aims to develop a conceptual model of the determinants of financial disclosure and their implications for corporate transparency and firm performance. A qualitative approach was employed using a systematic literature review of 47 articles published in reputable international journals between 2001 and 2025. The articles were selected through keyword-based searches, inclusion and exclusion criteria, and thematic synthesis to identify key themes, relationships, and research gaps. The review identifies five major determinants of financial disclosure: corporate governance, firm characteristics (size, leverage, profitability, and firm age), environmental, social, and governance (ESG) performance, the regulatory environment, and digital technology adoption, including XBRL, internet-based reporting, and artificial intelligence. The findings indicate that financial disclosure is influenced by both internal organizational factors and external institutional and technological developments. High-quality financial disclosure improves corporate transparency by reducing information asymmetry between management and stakeholders, thereby supporting better firm performance. This study contributes to the literature by integrating fragmented findings into a comprehensive conceptual framework that explains the relationships among the determinants of financial disclosure and their outcomes. The proposed framework provides a useful foundation for future empirical research and offers practical insights for managers, regulators, auditors, and other stakeholders seeking to strengthen corporate transparency and accountability.
Peranan Rumah Sakit Umum Daerah (RSUD) Dairi Dalam Peningkatan Perekonomian Kabupaten Dairi Latifah Hanum Meilany; Sarah Agustin Siahaan; Suarni Norawati; Dwi Cahyono
Jurnal Ilmu Ekonomi dan Bisnis Vol 2 No 2 (2024): Oktober, Jurnal Ilmu Bisnis dan Ekonomi Islam
Publisher : Perkumpulan Konsultan Manajemen Pendidikan Indonesia (PKMPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65510/jieb.v2i2.51

Abstract

Penelitian ini bertujuan untuk menganalisis peranan RSUD Dairi dalam meningkatkan perekonomian Kabupaten Dairi melalui berbagai aspek, seperti penciptaan lapangan kerja, peningkatan pendapatan daerah, serta dampak terhadap sektor jasa dan perdagangan. Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan mengumpulkan data primer melalui survei dan wawancara serta data sekunder dari laporan keuangan dan statistik ekonomi daerah. Hasil penelitian menunjukkan bahwa keberadaan RSUD Dairi memiliki dampak ekonomi yang signifikan, terutama dalam meningkatkan daya beli masyarakat, mendorong pertumbuhan bisnis lokal, dan meningkatkan pendapatan asli daerah (PAD). Selain itu, RSUD Dairi juga berkontribusi terhadap investasi infrastruktur yang berdampak positif pada ekonomi daerah. Dengan demikian, dapat disimpulkan bahwa RSUD Dairi tidak hanya berperan dalam sektor kesehatan, tetapi juga menjadi faktor penting dalam pertumbuhan ekonomi Kabupaten Dairi.
Exploring Financial Management Behavior among University Students: A Grounded Theory Approach Dwi Cahyono; Mirwan Aspirandi; Cristino Gusmao; Surya Bakti; Junaidi Junaidi; Evi Lestari
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4655

Abstract

This research explores the interaction between financial literacy, attitudes, self-control, and social factors in shaping the financial behavior of students in Indonesia, incorporating the roles of fintech and social media. A qualitative grounded theory approach was employed, using in-depth interviews with 20 purposively selected participants. Findings reveal that although students have access to various financial information sources, their literacy and application levels remain limited. Their financial behavior is heavily influenced by social pressure, the fear of missing out phenomenon, and social media, often leading to impulsive spending. Families play a crucial role in forming early financial habits, while self-control is key to managing spending temptations. Students developed adaptive strategies like saving, reducing expenses, and using financial apps to overcome challenges. The study concludes that a holistic approach, enhancing financial literacy, strengthening self-control, and educating on the social-digital environment, is essential to improve student financial behavior. These implications provide a basis for developing more effective and contextual financial education programs in higher education.
Analisis Tematik Implementasi Pendidikan Literasi Keuangan di Sekolah Dwi Cahyono; Citra Dwi Ristantri; Cristino Gusmao
Jurnal E-bussiness Institut Teknologi dan Bisnis Muhammadiyah Polewali Mandar Vol 5 No 1 (2025): Jurnal E-bussiness Institut Teknologi dan Bisnis Muhammadiyah Polewali Mandar
Publisher : Pusat Penelitian dan Pengabdian Masyarakat ITBM Polman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59903/ebussiness.v5i1.158

Abstract

Penelitian ini mengeksplorasi implementasi pendidikan literasi keuangan di sekolah menengah pertama di Jember, dengan tujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi keberhasilan dan tantangan dalam penerapannya. Metode penelitian yang digunakan adalah analisis tematik, dengan data yang dikumpulkan melalui wawancara mendalam dan fokus grup dari 20 partisipan, termasuk guru dan siswa. Hasil penelitian menunjukkan bahwa kurangnya standardisasi kurikulum dan pelatihan guru menjadi hambatan utama dalam implementasi literasi keuangan. Selain itu, faktor kontekstual seperti status sosial ekonomi dan budaya turut mempengaruhi efektivitas program. Meskipun demikian, beberapa guru telah mengadopsi pendekatan inovatif seperti permainan dan simulasi untuk meningkatkan pemahaman siswa. Siswa menunjukkan peningkatan pemahaman tentang pentingnya literasi keuangan, meskipun masih menghadapi kesulitan dalam penerapan konsep-konsep abstrak. Model Ekologi Implementasi Literasi Keuangan (EILK) dan Model Ekologi Dinamis Literasi Keuangan (MEDLIK) yang dikembangkan dalam penelitian ini menyoroti perlunya integrasi antara sistem pendidikan, keluarga, dan komunitas. Solusi yang diusulkan termasuk reformasi kebijakan kurikulum, pelatihan guru yang berkelanjutan, dan pendekatan pembelajaran yang lebih kontekstual. Kesimpulan dari penelitian ini menegaskan bahwa pendidikan literasi keuangan yang efektif memerlukan pendekatan holistik yang melibatkan berbagai pemangku kepentingan untuk meningkatkan kesejahteraan finansial siswa dan melindungi mereka dari risiko keuangan di masa depan.
ENHANCING SOLDIERS’ SUSTAINABLE PERFORMANCE THROUGH TRANSFORMATIONAL LEADERSHIP AND COMPENSATION: THE ROLE OF ORGANIZATIONAL CITIZENSHIP BEHAVIOR Wisnu Adityara; Dwi Cahyono; Toni Herlambang
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 9 No. 1 (2026): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jam-ekis.v9i1.9440

Abstract

This study aims to examine the direct and indirect effects of transformational leadership and compensation on sustainable performance, with Organizational Citizenship Behavior (OCB) as a mediating variable among soldiers of the 509th Infantry Battalion. Using an explanatory research approach, data were collected from 80 soldiers through a structured questionnaire and analyzed using SEM-PLS. The results show that transformational leadership and compensation significantly improve sustainable performance. Both variables also positively influence OCB, which in turn enhances sustainable performance. Mediation testing confirms that OCB partially mediates the effects of transformational leadership and compensation on sustainable performance, indicating that voluntary extra-role behaviors serve as an important behavioral pathway through which leadership and compensation strengthen long-term performance stability. The novelty of this research lies in integrating sustainable performance with leadership, compensation, and OCB within a military context—an area that remains underexplored in previous studies. This study also provides new empirical evidence on how OCB functions as a strategic mediator in high-discipline, high-risk organizational environments. The findings contribute theoretically by reinforcing models of transformational leadership, compensation, OCB, and sustainable performance, while practically offering recommendations for strengthening leadership practices, compensation fairness, and voluntary behaviors to enhance long-term operational readiness in military units.
The Influence Of Motivation, Compensation, And Work Environment On The Performance Of Human Resources In Zakat Management Institutions: Organizational Commitment As An Intervening Variable In Zakat Institutions Of Pasuruan City Akhmad Khalim; Dwi Cahyono; Toni Herlambang
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11537

Abstract

This study aims to examine the effects of work motivation, compensation, and work environment on the performance of human resources (HR) working in zakat management institutions in Pasuruan City, with organizational commitment serving as an intervening variable. A quantitative approach with a survey method was employed in this research. The study population consisted of employees from five zakat institutions in Pasuruan City, namely BAZNAS Pasuruan City, Yatim Mandiri, LAZISMU, LAZISNU, and Baitul Maal Hidayatullah. Data were collected through questionnaires distributed to 154 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with WarpPLS 5.0 software. The findings reveal that work motivation and compensation do not significantly influence either organizational commitment or employee performance. In contrast, the work environment has a positive and significant effect on both organizational commitment and employee performance. Furthermore, organizational commitment is found to have a positive and significant impact on employee performance. The mediation analysis indicates that organizational commitment does not mediate the relationship between work motivation and employee performance, nor the relationship between compensation and employee performance. However, organizational commitment significantly mediates the effect of the work environment on employee performance. The results suggest that the work environment is the most influential factor in enhancing both organizational commitment and employee performance within zakat management institutions. Therefore, zakat institutions should prioritize the development of a supportive, safe, and comfortable work environment to strengthen organizational commitment and improve employee performance effectively.
Tantangan Reskilling di UMKM: Analisis Manajerial terhadap Kesenjangan Kemauan dan Kemampuan Karyawan di Era Digital Triono Triono; Dwi Cahyono; Nopa Dwi Saputra
Relasi : Jurnal Ekonomi Vol 21 No 2 (2025): Juli - Desember
Publisher : Institut Teknologi dan Sains Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v21i2.1502

Abstract

Transformasi digital menuntut UMKM untuk melakukan reskilling guna meningkatkan daya saing dan keberlanjutan bisnis. Namun, kesenjangan antara skill (kemampuan) dan will (kemauan) karyawan menjadi tantangan utama dalam proses tersebut. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus pada lima UMKM sektor kuliner dan retail di wilayah Musi Rawas dan Lubuklinggau, Sumatera Selatan. Objek penelitian mencakup pemilik usaha, manajer operasional, dan karyawan. Data diperoleh melalui wawancara mendalam dan observasi terhadap praktik pelatihan serta penerapan teknologi di tempat kerja. Hasil penelitian menunjukkan bahwa keterbatasan sumber daya pelatihan, resistensi psikologis karyawan terhadap perubahan, serta kepemimpinan yang kurang responsif terhadap digitalisasi menghambat efektivitas reskilling. Oleh karena itu, dibutuhkan pendekatan manajerial yang menekankan kepemimpinan transformasional, komunikasi internal yang terbuka, serta penguatan budaya belajar. Temuan ini memberi kontribusi penting bagi pengembangan strategi SDM UMKM yang lebih adaptif terhadap perubahan digital.
Studi Netnografi: Financial Well-Being (FWB) pada Ibu Rumah Tangga di Aplikasi Komunitas Tiktok Inge Cellianada Cahyono; Dwi Cahyono; Budi Santoso
Relasi : Jurnal Ekonomi Vol 22 No 2 (2026): Juli - Desember
Publisher : Institut Teknologi dan Sains Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31967/relasi.v22i2.1867

Abstract

Studi ini bertujuan untuk mengeksplorasi bagaimana komunitas TikTok memengaruhi kesejahteraan finansial (FWB) ibu rumah tangga Indonesia melalui analisis netnografi, mengatasi kesenjangan pemahaman interaksi sosial digital dalam keuangan pribadi. Menggunakan pendekatan netnografi kualitatif berbasis grounded theory, penelitian menganalisis 25 transkrip komentar TikTok dari video tentang topik keuangan seperti menabung, belanja, dan investasi. Data dikumpulkan melalui tangkapan layar, dikodekan secara induktif (open, axial, selective), dan diintegrasikan menggunakan memo writing untuk mengidentifikasi pola dan tema. Temuan menunjukkan TikTok sebagai ruang sosialisasi finansial informal dan dukungan sosial, membentuk FWB melalui bentuk seperti tabungan kecil dan investasi aman, dinamika solidaritas komunitas, serta faktor psikologis, sosial, dan digital. Ibu rumah tangga merundingkan makna FWB (misalnya kecukupan, keamanan, stres, pemberdayaan) melalui narasi pribadi, simbol visual (emoji, tabel), dan praktik komunikasi, mengubah tantangan individu menjadi resiliensi kolektif. Implikasi praktis: Pembuat kebijakan dan lembaga keuangan dapat memanfaatkan TikTok untuk program edukasi keuangan sensitif gender, merancang aplikasi inklusif dan kampanye yang mempromosikan dukungan rekan untuk meningkatkan FWB. Implikasi sosial: Studi ini meningkatkan kesadaran FWB dalam konteks digital, memperkuat solidaritas perempuan, dan mengurangi stres finansial di kelompok rentan, berkontribusi pada kesetaraan gender dan kesejahteraan mental di rumah tangga Indonesia. Originalitas: Penelitian ini memelopori eksplorasi netnografi FWB di ruang digital, fokus pada ibu rumah tangga Indonesia, menjembatani kesenjangan kualitatif dalam literatur yang didominasi kuantitatif dan menyoroti peran TikTok dalam pemberdayaan finansial informal.
Co-Authors Abadi Sanosra Achmad Syahfrudin Zulkarnnaeni Ade Rani Aprillia Afroh, Ibna Kamilia Fiel AGUNG MULYONO Agung Rizky Akhmad Khalim Aliyatus Syamilah Ananda Dwi Maulidiah Anistiana Amaliyatus Ari Sita Nastiti Atmanegara, Stivani Yanti Aulia Rachmaniyah Aurelia Trya Febri Nur Aisiyah Ayu Tinis Khaulia Ayuk Firdawati Bela Anggardini Catur Indah Sulistiyorini Citra Dwi Agustin Citra Dwi Ristantri Cristino Gusmao Cristino Gusmao Dea Alvionita Azka Denia Ratna Sari Devi Wulandari Devita Eka Lestari Didik Eko Pramono Dino Angga**, Budi Santoso* Dyah Probowulan Erika Puspita Sari Erike Wulandari Evi Lestari Faruq Syah Permana Putra Fathushobi Ridwan Rulistia Adji Fifi Rahma Dwiyanti Fitriya, Elok GALUH SYAH PUTRA Gardina Aulin Nuha Haris Hermawan Heni Dwi Susanti Iid Pua Wadjo Imam Ghozali Indra Fatmawati Inge Cellianada Cahyono Intan Sarifa Nuraeni Jonathan Parker Juli Rima Afiani Junaidi Junaidi Kamilatul Jannah La Ode Muhammad Ady Ardyawan Latifah Hanum Meilany Leni Siti Rukmana Deffi Lina Amelia Linda Indrawati Maharani, Astrid Malik Abdul Jabbar Martini, Ni Nyoman Putu Mirwan Aspirandi Moch Anas Kurniawan Muh. Bayu Muhammad Bayu Muhammad Bayu Muhammad Fathorossi Muhammad Luqman Hakim Muhammad Luqman Hakim, Muhammad Luqman Muhammad Yazir Nabila Zubaidi Nadhif Qotrunnada Nina Martiana Nopa Dwi Saputra Nopa Dwi Saputra Norawati, Suarni Nursaid Nursaid Nurul Qomariah Octavia Paramitha Paroli Paroli Prijono, Wiwin Puguh Probowulan, Diyah Putri Gusti Aulia Qurotul Aini Radina Ayuningtyas Rasid Rasid Rendy Mirwan Aspirandi Rika Astutik S, Sya?roni Sarah Agustin Siahaan Siti Juariyah Slamet Wijiono Sukma Lesmana Surya Bakti Susbiyani, Arik Suwarno Suwarno Sya’roni S Toni Herlambang Toni Herlambang Triono Triono Triono Triono Untung Rahardja Wijiono, Slamet Wisnu Adityara Wiwin Puguh Prijono Zico Is Mirza Wijaya