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All Journal The Asian Journal of Technology Management (AJTM) Journal of Economic, Bussines and Accounting (COSTING) 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 Indonesia Berdampak: 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 Pemasaran Digital, Kualitas Produk dan Penerapan E-Wallet terhadap Kinerja UMKM pada Car Free Night dan Car Free Day di Kabupaten Sumbawa Ladya Della Rose; Tomy Dwi Cahyono
SENTRI: Jurnal Riset Ilmiah Vol. 5 No. 3 (2026): SENTRI : Jurnal Riset Ilmiah, Maret 2026
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v5i3.6017

Abstract

The rapid transformation of the modern economy necessitates Micro, Small, and Medium Enterprises (MSMEs) to integrate digital ecosystems and consistently enhance product value. This study aims to analyze the impact of digital marketing, product quality, and e-wallet adoption on the performance of MSMEs operating at the Car Free Day (CFD) and Car Free Night (CFN) in Sumbawa Regency. Characterized by massive crowds and limited operational hours, this unique open-market dynamic demands highly agile business strategies. Employing a quantitative survey design, primary data were collected from 100 purposively selected MSME actors and analyzed using multiple linear regression. The empirical findings reveal that the independent variables collectively explain 71.5% of the variance in business performance. Partially, digital marketing exhibits a positive and significant effect on MSME performance (t = 3.304, p = 0.001), functioning as a vital pre-event promotional bridge. Product quality emerges as the strongest and most dominant determinant (t = 3.640, p < 0.001), serving as the primary competitive advantage for customer retention. Additionally, e-wallet implementation significantly boosts operational efficiency (t = 3.000, p = 0.003) by accelerating cashless transactions during peak times. Conclusively, the synergistic integration of proactive digital marketing, stringent product quality maintenance, and cashless payment adoption is fundamentally imperative for MSMEs to maximize revenue and secure long-term market sustainability.
Pengaruh Customer Relationship Management, Kepuasan Pelanggan, dan Kualitas Pelayanan terhadap Loyalitas Pelanggan di Toko Riska Mulisa Mulisa; Tomy Dwi Cahyono; Willia Ismiyarti; Erwin Mardinata
SENTRI: Jurnal Riset Ilmiah Vol. 5 No. 6 (2026): SENTRI : Jurnal Riset Ilmiah, Juni 2026
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v5i6.6745

Abstract

This study aims to examine the influence of Customer Relationship Management (CRM), customer satisfaction, and service quality on customer loyalty at Toko Riska, a retail business located in Batu Alang Village. Toko Riska sells various women's products, including clothing, hijabs, bags, beauty products, and accessories. This study uses a quantitative approach with a survey design. Given the population is not precisely known (infinite population), the proportion formula at a 95% confidence level and a 10% margin of error resulted in a minimum sample size of 96 respondents, which was rounded up to 100 respondents, and selected through a purposive sampling technique. Data were collected using a five-point Likert scale questionnaire and analyzed using multiple linear regression with SPSS. The t-test results show that CRM has a positive and significant influence on customer loyalty (β = 0.312; t = 3.847; sig. = 0.000), customer satisfaction has a positive and significant influence (β = 0.284; t = 3.521; sig. = 0.001), and service quality has a positive and significant influence (β = 0.341; t = 4.193; sig. = 0.000). The F-test yielded an F-value of 42.315 (sig. = 0.000), which confirmed the significance of the simultaneous. The coefficient of determination (R²) of 0.568 indicates that 56.8% of the variation in customer loyalty is explained by the three independent variables. This study recommends that Toko Riska strengthen CRM practices, increase customer satisfaction, and improve service quality to encourage long-term customer loyalty.
PENGARUH KOMPENSASI, MOTIVASI KERJA DAN LINGKUNGAN KERJA TERHADAP KINERJA DOSEN DAN STAFF DI UNIVERSITAS TEKNOLOGI SUMBAWA Esti Sardina; Tomy Dwi Cahyono
Jurnal Nusa Manajemen Vol. 3 No. 2 (2026): Jurnal Nusa Manajemen Volume 3 Nomor 2 Juli Tahun 2026
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v3i2.416

Abstract

This study aims to analyze the effect of compensation, work motivation, and work environment on the performance of lecturers and staff at Sumbawa University of Technology. The quantitative approach used was a survey method with 100 respondents consisting of lecturers and permanent staff with a minimum tenure of one year. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS software. The results showed that compensation (t = 2.135; p = 0.035), work motivation (t = 2.741; p = 0.007), and work environment (t = 9.190; p = 0.000) had a positive and significant effect on lecturer and staff performance. The work environment had the most dominant influence on performance, followed by work motivation and compensation. These three variables significantly contribute to improving the performance of teaching and administrative staff at Sumbawa University of Technology. These findings indicate that improved performance of lecturers and staff can be achieved through fair compensation policies, strengthening work motivation, and creating a comfortable and supportive work environment.
Co-Authors Agus Santoso Aisyah Fitrianingsih Aliyah, Jannatun Apriadi Apriadi Apriadi, Apriadi Arya Rifki Salsa Bila Ayu Levia Tryana Bambang Supriadi Darmawan, Indra Eri Sasmita Susanto Erwin Mardinata Erwin Mardinata Esti Sardina Fakhri Ramadhan Firmansyah Putra Hanifa Sri Nuryani Hasri, Diah Anggeraini Hasri Ida Matia Irawati Irawati Irawati Irawati Irawati Ismiyarti, Wilia Jannatun Aliyah Jannatun Aliyah Januardha, M. Zaky Ayyasy Jihan Fahira Ladya Della Rose Lestari, Maia Alya M. Julkarnain M.Julkarnaen Mardinata, Erwin Mikhratunnisa, Mikhratunnisa Mulisa Mulisa Nasaruddin Nasaruddin Nasaruddin Nasaruddin Nurasia Nurasia Nurasia, Nurasia Purnama, Yuni Putri, Yolli Eka Raizah Risky Utami Ramadan, Dinto Putra Reza Muhammad Rizqi Rismawan, Ardi Andika Rizqi, Reza Muhammad Rozzy Aprirachman Ryan Suarantalla Ryan Suarantalla Sahmad Saptarini, Niken Satria Wibawa, Muhammad Gilang Septian Anwar, Rizki Sirajunnasihin Slamet Husain Sri Andriani Sri Andriani Suarantala, Ryan Suarantalla, Ryan Sunardi Sunardi Wilia Ismiyarti Wilia Ismiyarti Willia Ismiyarti Wira Sanjaya Tapitapi Wiryono, Sudarso Kaderi Yunieta Anny Nainggolan, Yunieta Anny