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All Journal The Asian Journal of Technology Management (AJTM) Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal TAMBORA Societas : Jurnal Ilmu Administrasi dan Sosial Jurnal Psimawa : Diskursus Ilmu Psikologi dan Pendidikan JIIP (Jurnal Ilmiah Ilmu Pendidikan) Jurnal Bina Manajemen Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Raflesia Akuntansi Parta: Jurnal Pengabdian Kepada Masyarakat Indonesian Business Review Jurnal Informatika Teknologi dan Sains (Jinteks) SENTRI: Jurnal Riset Ilmiah Abdimas Indonesian Journal Benefit : Journal of Bussiness, Economics, and Finance Journal of Educational Management Research Jurnal Nusa Manajemen ABDI NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Edumaspul: Jurnal Pendidikan
Cahyono, Tomy Dwi
Universitas Teknologi Sumbawa
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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The Influence of Financial Technology Adoption, Digital Financial Literacy, and Data Security on Interest in Using OVO Januardha, M. Zaky Ayyasy; Cahyono, Tomy Dwi
Journal of Educational Management Research Vol. 4 No. 5 (2025)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v4i5.1270

Abstract

The rapid growth of financial technology (fintech) in Indonesia has promoted a shift toward a cashless society, yet adoption remains uneven, particularly in semi-urban areas like Sumbawa Regency. This study examines the influence of Financial Technology Adoption (X1), Digital Financial Literacy (X2), and Data Security (X3) on Interest in Using OVO (Y). Using a quantitative survey method, data were collected from 100 purposively selected OVO users in Sumbawa. Multiple linear regression analysis with SPSS 25 revealed that all three variables—FinTech Adoption (t=3.647), Digital Financial Literacy (t=4.100), and Data Security (t=4.103)—have a positive and significant partial effect on interest in using OVO (Sig. = 0.000 < 0.05). Together, they explain 62.1% of the variance in user interest (Adjusted R² = 0.621). These findings highlight that user interest is shaped not only by technology availability but also by digital literacy and perceived data security. For regions like Sumbawa, accelerating digital financial inclusion requires a holistic approach that combines education, trust-building, and innovation.
Dampak Literasi Keuangan, Literasi digital dan Finansial Teknologi Terhadap Keberlanjutan Bisnis Pelaku UMKM Di Kabupaten Sumbawa Tomy Dwi Cahyono; Ryan Suarantalla; Jihan Fahira
Jurnal Ilmiah Raflesia Akuntansi Vol. 11 No. 2 (2025): Jurnal Ilmiah Raflesia Akuntansi
Publisher : Politeknik Raflesia Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53494/jira.v11i2.1040

Abstract

The sustainability of MSME business actors is influenced by their ability to adapt to market changes, application of technology, financial literacy, and support from the government and the community in facing various economic challenges. The purpose of this study was to analyze the influence of financial literacy, digital literacy, and financial technology on the sustainability of Small and Medium Enterprises (MSMEs) in Sumbawa Regency. This study uses a quantitative approach with a population consisting of 1,362 MSME actors in Sumbawa Regency. The sampling technique used was total sampling, with the number of samples determined using the Slovin formula, so that 100 respondents were obtained. Data collection was carried out through a questionnaire with a Likert scale from 1 to 4. Data analysis was carried out using multiple linear regression techniques. The results of the study indicate that financial literacy, digital literacy, and financial technology have a positive and significant influence on the sustainability of MSMEs in Sumbawa Regency.
The Impact of Digital Marketing, Financial Literacy, And Digital Literacy on Purchasing Intent for Online Products Cahyono, Tomy Dwi; Rizqi, Reza Muhammad
Indonesian Business Review Vol 7 No 2 (2024): Indonesian Business Review
Publisher : Universitas Prasetiya Mulya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21632/ibr.7.2.83-93

Abstract

The swift advancement of technology has greatly influenced how humans engage with technology, leading to fundamental changes in communication and transactions. This has led to substantial prospects for the expansion of e-commerce in Indonesia. This study aims to elucidate the impact of digital marketing, financial literacy, and digital literacy on online product purchasing decisions. This study utilized an associative quantitative method utilizing structural equation modeling-partial least square (SEM-PLS). The study employed purposive sampling to choose a sample of 100 students from the Faculty of Economics and Business at Sumbawa University of Technology. Data is collected through a questionnaire distributed using a Google Form. The study shows that digital marketing, financial literacy, and digital literacy have a partial impact on the interest in purchasing things online. This highlights the significance of employing efficient digital marketing methods and consumers' comprehension of finance and information technology to enhance their inclination towards purchasing things online. Companies can boost their sales by prioritizing the enhancement of digital literacy and marketing expertise.
OPTIMASI PELAYANAN PUBLIK MELALUI SOSIALISASI DAN PELATIHAN PENGGUNAAN OPENSID DI MASYARAKAT DESA TATEDE Cahyono, Tomy Dwi; Mardinata, Erwin; Suarantalla, Ryan; Aliyah, Jannatun; Ismiyarti, Wilia; Irawati, Irawati
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Volume 5 No 1 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i1.24004

Abstract

Sistem Informasi Desa (SID) awalnya bernama SIDESA, adalah aplikasi berbasis Open Source (Open Sid 1811) dirancang untuk mendukung pemerintahan desa dalam pengelolaan dan dokumentasi data desa. Keterhubungan aplikasi ini dengan data demografis yang disimpan oleh Dinas Kependudukan dan Catatan Sipil, termasuk Nomor Induk Kependudukan (NIK) dan Nomor Kepala Keluarga (KK), sangat baik dalam meningkatkan efisiensi pelayanan publik. Menyikapi keterbatasan penerapan teknologi di desa dan kelurahan saat ini, banyak lokasi masih mengandalkan prosedur manual yang membebani masyarakat dalam mengakses layanan. Sebagai solusi, metode pengabdian masyarakat seperti Open Sid atau Meraja Sev diadopsi untuk meningkatkan kualitas pelayanan publik di desa dan kelurahan. Partisipasi masyarakat dalam pengembangan dan pemeliharaan SID dan kontribusi mereka dalam pembaruan data dan pengawasan sistem memainkan peran penting dalam penguatan tata kelola publik dan pembuatan keputusan yang inklusif. Di era digital saat ini, internet menjadi prasyarat dalam menyediakan pelayanan publik. Namun, di Desa Tatede, sistem manual masih mendominasi, menyebabkan tantangan terkait akses informasi tentang potensi sumber daya desa dan data asset yang belum dipublikasikan. Melalui kegiatan pengabdian masyarakat, kami akan mengedukasi masyarakat tentang Sistem Informasi Desa berbasis web, yang memudahkan aparatur desa dalam pendataan dan penyebaran informasi desa.
Pengaruh Digital Marketing, Kepercayaan dan Kepuasan Terhadap Loyalitas Pelanggan E-Commerce Pada Platform Shopee Rismawan, Ardi Andika; Cahyono, Tomy Dwi
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 03 (2025): Volume 10 No. 03 September 2025
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i03.31982

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh digital marketing, kepercayaan, dan kepuasan terhadap loyalitas pelanggan pada platform e-commerce Shopee, dengan studi kasus pada mahasiswa Universitas Teknologi Sumbawa. Latar belakang penelitian ini didasarkan pada fenomena tingginya tingkat persaingan di industri e-commerce Indonesia, khususnya dalam mempertahankan loyalitas pelanggan di segmen mahasiswa sebagai generasi digital native. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan desain cross-sectional dan metode analisis Structural Equation Modeling-Partial Least Squares (SEM-PLS). Sampel penelitian berjumlah 100 mahasiswa yang dipilih secara purposive berdasarkan kriteria tertentu, dan data dikumpulkan melalui kuesioner dengan skala Likert. Hasil penelitian menunjukkan bahwa digital marketing, kepercayaan, dan kepuasan berpengaruh positif dan signifikan terhadap loyalitas pelanggan. Kepuasan terbukti memiliki pengaruh paling dominan dibandingkan variabel lainnya, diikuti oleh kepercayaan dan digital marketing. Nilai R-Square sebesar 0,748 menunjukkan bahwa ketiga variabel independen mampu menjelaskan 74,8% variasi loyalitas pelanggan. Implikasi dari penelitian ini menegaskan pentingnya strategi pemasaran digital yang relevan, penguatan aspek kepercayaan, dan pemeliharaan kepuasan pelanggan secara konsisten untuk membangun loyalitas jangka panjang di kalangan mahasiswa.
The Influence of Digital Literacy, Brand Image, and Word of Mouth on Generation Z's Interest in Using the OVO E-Wallet Nasaruddin Nasaruddin; Tomy Dwi Cahyono
Edumaspul: Jurnal Pendidikan Vol 8 No 2 (2024): Edumaspul: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence of digital literacy, brand image, and word of mouth (WOM) on Generation Z's interest in using the OVO digital wallet in Sumbawa Regency. A quantitative approach with a causal associative method was applied, involving 100 Generation Z respondents (aged 12–27 years) selected through a purposive sampling technique. Data were collected using a 5-point Likert Scale-based questionnaire and analyzed using multiple linear regression using SPSS. The results showed that all three independent variables had a positive and significant effect on OVO usage interest. Digital literacy had the highest regression coefficient (0.462), followed by brand image (0.327) and WOM (0.236). The research model was able to explain 49.6% of the variation in usage interest, with the remainder influenced by other factors outside the model. These findings reinforce the importance of increasing digital literacy, strengthening brand image, and utilizing WOM as strategies to encourage fintech adoption among Generation Z, especially in non-metropolitan areas such as Sumbawa. Practical implications include recommendations for OVO to organize digital education programs, collaborate with local influencers, and develop a community-based referral system
Pelatihan Manajemen Pemasaran Digital melalui Marketplace bagi Pembina Inkubator Bisnis SMK Negeri 2 Sumbawa Besar Santoso, Agus; Saptarini, Niken; Aprirachman, Rozzy; Ismiyarti, Wilia; Aliyah, Jannatun; Mardinata, Erwin; Irawati, Irawati; Suarantala, Ryan; Cahyono, Tomy Dwi; Purnama, Yuni; Nurasia, Nurasia; Andriani, Sri
Abdi Nusantara: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 4 (2025): ABDI NUSANTARA: Jurnal Pengabdian Kepada Masyarakat
Publisher : PT Media Edukasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64198/abdinusantara.v1i4.66

Abstract

Perkembangan teknologi digital menuntut pelaku usaha dan pendidik kewirausahaan untuk memiliki kompetensi pemasaran digital yang memadai, khususnya dalam pemanfaatan marketplace. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan pengetahuan dan keterampilan guru pembina inkubator bisnis di SMK Negeri 2 Sumbawa Besar dalam manajemen pemasaran digital melalui penempatan produk dan jasa di marketplace. Kegiatan dilaksanakan dengan melibatkan 25 orang guru sebagai peserta. Metode yang digunakan meliputi pelatihan dan pendampingan yang dirancang secara praktis dan aplikatif, mulai dari pengenalan konsep digital marketing hingga praktik langsung pengelolaan toko daring. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan kemampuan peserta dalam memanfaatkan marketplace, khususnya Shopee, sebagai sarana pemasaran. Seluruh peserta berhasil memiliki akun toko online, memahami proses pengunggahan produk, pengaturan tampilan toko, serta pemanfaatan fitur promosi yang tersedia. Kegiatan ini memberikan dampak positif terhadap kesiapan guru dalam membina inkubator bisnis sekolah berbasis digital. Secara umum, pelatihan ini berkontribusi dalam memperkuat kapasitas sumber daya manusia sekolah dalam menghadapi tantangan pemasaran di era digital dan mendukung pengembangan kewirausahaan berbasis pendidikan.
PENGARUH INFLUENCER, ULASAN PENGGUNA DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN BRAND KAHF DI MEDIA SOSIAL (STUDI KASUS GEN-Z DI KOTA SUMBAWA BESAR) Fakhri Ramadhan; Tomy Dwi Cahyono
Jurnal Nusa Manajemen Vol. 3 No. 1 (2026): Jurnal Nusa Manajemen Volume 3 Nomor 1 Maret Tahun 2026
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v3i1.377

Abstract

This study is motivated by the rapid growth of social media as a medium for digital marketing, particularly for men’s skincare brands such as Kahf, which are widely favored by Generation Z. The objective of this research is to analyze the influence of influencers, user reviews, and product quality on consumer purchasing decisions for the Kahf brand through social media, focusing on Generation Z in Sumbawa Besar. This study employed a quantitative approach with an associative research design, involving 100 respondents selected through purposive sampling. Data were collected using questionnaires and analyzed with multiple linear regression. The findings reveal that all three independent variables—influencers, user reviews, and product quality—have a positive and significant effect on purchasing decisions, both partially and simultaneously. These results highlight that influencer credibility, the authenticity of user reviews, and high product quality are key factors in building consumer trust and driving purchase decisions. In conclusion, leveraging digital marketing strategies through influencer collaboration, effective management of user reviews, and continuous product quality improvement are essential for companies to strengthen competitiveness in the era of social media–based marketing.
PENGARUH KUALITAS PRODUK, HARGA DAN MEDIA SOSIAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK SUNSCREEN AZARINE DI PLATFORM SHOPEE STUDI KASUS KECAMATAN SUMBAWA Raizah Risky Utami; Tomy Dwi Cahyono
Jurnal Nusa Manajemen Vol. 3 No. 1 (2026): Jurnal Nusa Manajemen Volume 3 Nomor 1 Maret Tahun 2026
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v3i1.380

Abstract

This study aims to analyze the influence of product quality, price, and social media on purchasing decisions for Azarine sunscreen products on the Shopee platform, focusing on consumers in Sumbawa District. The background of the study is based on the increasing use of e-commerce and public awareness of the importance of skin protection, which drives the growth in demand for skincare products, especially sunscreen. The method used is quantitative descriptive with data collection techniques through questionnaires to 100 respondents. Data were analyzed using multiple linear regression to test the influence of independent variables on purchasing decisions. The results of the study indicate that the three variables—product quality, price, and social media—have a positive and significant effect on purchasing decisions. These findings indicate that consumers in Sumbawa District tend to consider aspects of quality, affordability, and the influence of social media in choosing Azarine sunscreen products on the Shopee platform. This study is expected to contribute to business actors and academics in understanding consumer behavior in the digital era, especially in sub- district
PENGARUH LIVE STREAMING DAN ONLINE CUSTOMER REVIEW TERHADAP KEPUTUSAN PEMBELIAN PRODUK FASHION DI TIKTOK SHOP (STUDI KASUS PADA GEN Z DI SUMBAWA BESAR) Arya Rifki Salsa Bila; Tomy Dwi Cahyono
Jurnal Nusa Manajemen Vol. 3 No. 1 (2026): Jurnal Nusa Manajemen Volume 3 Nomor 1 Maret Tahun 2026
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v3i1.383

Abstract

This study aims to analyze the influence of live streaming and online customer reviews on purchasing decisions of fashion products on TikTok Shop among Generation Z consumers in Sumbawa Besar. The research method used is a quantitative approach with data collected through questionnaires distributed to 100 respondents. Data analysis was conducted using multiple linear regression with the assistance of SPSS software. The results indicate that both live streaming and online customer reviews have a positive and significant influence on purchasing decisions, both partially and simultaneously. This research provides implications for business actors to optimize live streaming utilization and consider customer reviews to improve purchase conversion.
Co-Authors Agus Santoso Aliyah, Jannatun Apriadi Apriadi Apriadi, Apriadi Arya Rifki Salsa Bila Ayu Levia Tryana Bambang Supriadi Darmawan, Indra Eri Sasmita Susanto Erwin Mardinata Erwin Mardinata Fakhri Ramadhan Firmansyah Putra Hasri, Diah Anggeraini Hasri Irawati Irawati Irawati Ismiyarti, Wilia Jannatun Aliyah Januardha, M. Zaky Ayyasy Jihan Fahira Lestari, Maia Alya M. Julkarnain M.Julkarnaen Mardinata, Erwin Mikhratunnisa, Mikhratunnisa Nainggolan, Yunieta Anny Nasaruddin Nasaruddin Nasaruddin Nasaruddin Nurasia, Nurasia Purnama, Yuni Putri, Yolli Eka Raizah Risky Utami Ramadan, Dinto Putra Reza Muhammad Rizqi Rismawan, Ardi Andika Rizqi, Reza Muhammad Rose, Ladya Della Rozzy Aprirachman Ryan Suarantalla Sahmad Saptarini, Niken Satria Wibawa, Muhammad Gilang Septian Anwar, Rizki Sirajunnasihin Sri Andriani Suarantala, Ryan Suarantalla, Ryan Sunardi Sunardi Wilia Ismiyarti Wilia Ismiyarti Wiryono, Sudarso Kaderi