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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial HASANUDDIN JOURNAL OF BUSINESS STRATEGY Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Aplikasi Manajemen dan Bisnis (JAMB) Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) AJAD : Jurnal Pengabdian kepada Masyarakat JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) SYNERGY: Jurnal Bisnis dan Manajemen JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Journal Online Manajemen ELPEI (JOMEL) Abdi Cendekia: Jurnal Pengabdian Masyarakat Business Management Jurnal Mutiara Ilmu Akuntansi Jurnal bintang manajemen Teknovokasi : Jurnal Pengabdian Masyarakat Manajemen Kreatif Jurnal Kreativitas Pada Pengabdian Masyarakat (Krepa) Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Neraca Manajemen, Akuntansi, dan Ekonomi Master Manajemen Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Celebes Journal of Community Services AKSELERASI: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Akuntansi Jurnal Ilmiah Manajemen dan Akuntansi Ekspresi: Publikasi Kegiatan Pengabdian Indonesia Manfaat: Jurnal Pengabdian Pada Masyarakat Indonesia Pelayanan Unggulan: Jurnal Pengabdian Masyarakat Terapan Jurnal Ekonomi, Manajemen, Akuntansi Journal of Studies in Academic, Humanities, Research, and Innovation Aksi Kita: Jurnal Pengabdian Kepada Masyarakat International Journal of Education Management and Religion Jurnal Ilmiah Manajemen Dan Kewirausahaan Journal of Economics and Management Technologies Jurnal Ilmiah Akuntansi dan Keuangan (JIAN)
Indri Iswardhani
Universitas Negeri Makassar
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Pemberdayaan Masyarakat Melalui Literasi dan Efikasi Keuangan untuk Mencegah Investasi Bodong di Desa Tarowang Aslam, Annisa Paramaswary; Rahmat, Muhammad Rijal Alim; Dg Macenning, A. Reski Almaida; Iswardhani, Indri; Angreyani, Andi Dewi
TEKNOVOKASI : Jurnal Pengabdian Masyarakat Volume 3: Issue 3 (September 2025)
Publisher : Jurusan Teknik Informatika dan Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59562/teknovokasi.v3i3.10179

Abstract

Minimnya pemahaman masyarakat pedesaan terhadap literasi keuangan menjadi salah satu faktor penyebab maraknya kasus investasi palsu yang menimbulkan kerugian. Untuk mengatasi hal tersebut, dilaksanakan program pengabdian masyarakat di Desa Tarowang, Kecamatan Jeneponto, yang bertujuan memperkuat literasi serta efikasi keuangan warga agar mampu menolak dan menghindari tawaran investasi ilegal. Program ini mencakup berbagai kegiatan seperti sosialisasi, pelatihan pengelolaan keuangan, lokakarya mengenai investasi yang aman, simulasi pengambilan keputusan finansial, serta pembentukan kelompok diskusi dengan pendampingan intensif. Hasil pelaksanaan menunjukkan adanya peningkatan signifikan dalam kemampuan masyarakat memahami pengelolaan keuangan dan mengenali ciri-ciri investasi bodong. Selain itu, kepercayaan diri masyarakat dalam mengambil keputusan keuangan juga meningkat, mencerminkan bertambahnya efikasi keuangan. Program ini membuktikan bahwa pendekatan edukatif yang bersifat interaktif dan sesuai konteks lokal dapat memberikan perubahan positif dan berkelanjutan bagi masyarakat pedesaan.
Risk, Readiness, and Results: Risk-Mitigation Mapping at PT Bank Neo Commerce Tbk Indri Iswardhani
International Journal of Education Management and Religion Vol. 3 No. 1 (2026): January 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i1.910

Abstract

This study maps the maturity of risk-mitigation strategies at PT Bank Neo Commerce Tbk (BNC) over the 2022–2024 period, with a specific focus on how a digital bank strengthens its readiness in the face of escalating risk complexity. Using a qualitative descriptive approach, the research employs content analysis of BNC’s audited annual reports, from which disclosures on key risk indicators, governance practices, and mitigation policies were systematically extracted, categorized by risk type, and thematically interpreted. The findings show that BNC has developed a comprehensive and increasingly proactive risk-management framework aligned with the principles of Good Corporate Governance. Credit risk is mitigated through portfolio diversification, stricter underwriting standards, and more conservative risk appetite settings, as reflected in an improving NPL ratio. Market and liquidity risks are contained via conservative balance-sheet management, robust liquidity buffers, and active Asset–Liability Committee (ALCO) oversight. Operational risk resilience is enhanced through the implementation of Risk Control Self-Assessment (RCSA), a Loss Event Database (LED), and strengthened IT and cybersecurity controls. Legal, strategic, compliance, and reputational risks are addressed through preventive legal review, tighter strategy–risk alignment, strong regulatory compliance, and responsive customer-engagement mechanisms. Overall, BNC’s risk-mitigation practices show a clear evolution from reactive compliance toward integrated, technology-enabled, and forward-looking risk governance. These results underline that transparent and disciplined risk management constitutes a critical strategic foundation for financial sustainability and competitive advantage in Indonesia’s rapidly growing digital banking sector.
Penguatan Kapasitas Mahasiswa dalam Meningkatkan Kesadaran Hak Asasi Manusia di Era Digital M. Yunasri Ridhoh; Sri Astuti Nasir; Indri Iswardhani; Nur Fadilah Ayu Sandira; Nulthazam Sarah
Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia Vol. 3 No. 1 (2026): Februari : Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia
Publisher : Asosiasi Riset Ilmu Tanaman Dan Hewan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/manfaat.v3i1.559

Abstract

The rapid development of digital technology has brought significant changes to social life, particularly among university students as an educated group and agents of change. On the one hand, digital spaces provide opportunities for freedom of expression and public participation; on the other hand, they also present various challenges related to Human Rights (HR), such as privacy violations, the spread of hate speech, disinformation, and cyberbullying. These conditions highlight the importance of strengthening students’ capacity to ensure they possess adequate understanding and awareness of human rights values in the digital era. This community service article aims to enhance students’ human rights awareness through capacity-building activities conducted within the university environment. The service method was implemented through educational activities in the form of seminars, material presentations, and interactive discussions addressing fundamental human rights concepts, digital ethics, privacy protection, and responsible freedom of expression.The results of the activities indicate an increase in students’ understanding and awareness of human rights issues in the digital era, as well as the development of more critical and ethical attitudes in utilizing digital spaces. This initiative also strengthened the synergy between higher education institutions and the government in promoting human rights awareness among students. Overall, this community service activity makes a positive contribution to strengthening students’ capacity to face human rights challenges in the digital era.
Penguatan Wawasan Kebangsaan dan Soft Skill Mahasiswa ADik melalui Pendampingan Partisipatif Reflektif M. Yunasri Ridhoh; Nur Fadilah Ayu Sandira; Indri Iswardhani; Nulthazam Sarah; Sri Astuti Nasir
Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia Vol. 3 No. 1 (2026): Februari : Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia
Publisher : Asosiasi Riset Ilmu Tanaman Dan Hewan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/manfaat.v3i1.560

Abstract

This community service program aimed to strengthen national insight and soft skills among ADik scholarship students through a participatory and reflective mentoring approach. Many students come from underdeveloped, frontier, and outermost regions with diverse socio-cultural backgrounds, requiring contextual guidance to internalize national values and develop essential interpersonal competencies. The program combined interactive socialization, group discussions, and value reflection activities to encourage active participation and personal engagement. The method emphasized dialogic learning rather than one-way lectures, allowing students to relate national values to their lived experiences. The findings revealed noticeable behavioral changes, including increased confidence in expressing opinions, stronger participation in discussions, improved communication skills, and heightened awareness of ethical conduct and financial responsibility as scholarship recipients. The emergence of several students as informal local leaders during discussions indicated early signs of social transformation at the individual level. This program demonstrates that reflective and participatory mentoring can effectively foster character building, leadership, and contextual national awareness among university students. The implications suggest that similar approaches can be adopted in student development programs to promote sustainable character formation, especially for students from diverse and remote regions.
Pengaruh Digital Eco-Labels terhadap Kesediaan Konsumen Membayar Harga Lebih Mahal pada Marketplace Nulthazam Sarah; Nur Fadilah Ayu Sandira; Indri Iswardhani; Sri Astuti Nasir
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 2 (2026): Mei: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i2.6768

Abstract

The proliferation of digital commerce platforms has transformed consumer behavior while simultaneously elevating environmental consciousness among Indonesian consumers. This research investigates the influence of digital eco-labels on consumer willingness to pay premium prices on marketplace platforms, specifically Shopee and Tokopedia, within Indonesian urban contexts. Employing a quantitative associative research design, this study collected data from 50 active marketplace users through purposive sampling techniques using structured questionnaires with five-point Likert scales. Multiple linear regression analysis was conducted to examine the relationships between digital eco-labels and willingness to pay premium prices, with perceived credibility and environmental knowledge as moderating variables. The findings reveal that digital eco-labels significantly and positively influence willingness to pay premium prices with a beta coefficient of 0.438 and significance level of 0.000. Perceived credibility effectively moderates this relationship with a coefficient of 0.312, while environmental knowledge demonstrates a moderating effect with a coefficient of 0.276. The research model explains 64.7 percent of the variance in willingness to pay premium prices. These empirical results confirm the applicability of Theory of Planned Behavior and signaling theory in the context of sustainable digital consumption in Indonesia. The study contributes theoretical insights into green consumer behavior within emerging market e-commerce platforms and provides practical implications for marketplace operators to develop transparent third-party verification systems for eco-labels, integrate educational content regarding sustainability, and optimize search algorithms to enhance visibility of verified sustainable products. Policy implications emphasize the necessity for governmental regulation standardizing digital sustainability labels and monitoring environmental claims in e-commerce to prevent greenwashing practices.
Pengaruh Pengalaman Konsumen dan Kepercayaan Terhadap Keputusan Pembelian Pada Live-Commerce di TikTok Shop Indonesia Nur Fadilah Ayu Sandira; Nulthazam Sarah; Sri Astuti Nasir; Indri Iswardhani; Muh. Irshan Sachrir
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 4 No. 3 (2026): Edisi Januari - April
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v4i3.628

Abstract

Perkembangan live commerce telah mengubah pola belanja digital menjadi pengalaman yang interaktif dan berlangsung secara real time. TikTok Live Commerce mengintegrasikan unsur hiburan, interaksi sosial, dan transaksi instan, sehingga memengaruhi cara konsumen dalam mengambil keputusan pembelian. Meskipun adopsinya terus meningkat, kajian empiris yang menjelaskan bagaimana faktor psikologis secara simultan memengaruhi keputusan pembelian aktual dalam konteks live commerce masih terbatas. Penelitian ini bertujuan untuk menganalisis pengaruh consumer experience dan trust terhadap keputusan pembelian pada TikTok Live Commerce. Penelitian menggunakan pendekatan kuantitatif dengan desain kausal. Data dikumpulkan dari 100 pengguna TikTok yang pernah melakukan pembelian melalui TikTok Live Commerce dalam enam bulan terakhir dan dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa consumer experience berpengaruh positif dan signifikan terhadap keputusan pembelian (β = 0,331; p < 0,01), sedangkan trust memiliki pengaruh yang lebih kuat (β = 0,525; p < 0,001). Secara simultan, kedua variabel mampu menjelaskan 67,6% variasi keputusan pembelian, yang menunjukkan daya jelaskan model yang tinggi. Hasil penelitian ini mengindikasikan bahwa keputusan pembelian dalam live commerce tidak hanya ditentukan oleh faktor fungsional, tetapi juga oleh sinergi antara pengalaman konsumen yang imersif dan kepercayaan yang terbentuk melalui interaksi real time. Penelitian ini memberikan kontribusi pada literatur social commerce dengan menegaskan peran strategis consumer experience dan trust dalam mempercepat serta memperkuat keputusan pembelian pada platform live commerce.
Pengaruh Risiko Likuiditas dan Risiko Kredit terhadap Kinerja Keuangan pada Bank Digital Periode 2020-2024 Indri Iswardhani; Muhammad Rijal Alim Rahmat; Nur Fadilah Ayu Sandira; Nulthazam Sarah; Sri Astuti Nasir
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5904

Abstract

This study aims to analyze the influence of liquidity risk and credit risk on the financial performance of digital banks listed on the Indonesia Stock Exchange for the 2020-2024 period. The research employs an explanatory quantitative approach with a sample of four digital banks selected through purposive sampling. Data were analyzed using multiple linear regression with independent variables Loan to Deposit Ratio (LDR) for liquidity risk and Non-Performing Loan (NPL) for credit risk, and the dependent variable Return on Assets (ROA) for financial performance.The results show that simultaneously, LDR and NPL have a significant effect on ROA. Partially, LDR proves to have a positive and significant effect on ROA, while NPL does not show a significant effect. These findings indicate that liquidity management plays a more critical role in determining the financial performance of digital banks compared to credit risk. This study recommends that digital bank management focus on optimizing liquidity management to improve profitability, while still paying attention to the potential impact of credit risk in the long term.
The Meaning of Shopping Experience in TikTok Live Shopping: A Qualitative Study on Millennial Consumers Nulthazam Sarah; Nur Fadilah Ayu Sandira; Indri Iswardhani; Sri Astuti Nasir; Rostina Rostina
Business Management Vol. 4 No. 3 (2025): Business Management Agustus
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/bisnis.v4i3.9115

Abstract

This study explores the meaning of millennial consumers' shopping experience on TikTok live shopping through a phenomenological qualitative approach. The study involved millennial consumers who actively participate in TikTok live shopping to understand the construction of their personal meaning towards the digital shopping experience. The findings reveal that millennial consumers interpret live shopping as a form of experiential consumption that integrates the dimensions of entertainment, social interaction, and commercial transactions. The process of meaning-formation is influenced by real-time interactivity factors, community dynamics, and hedonistic-utilitarian value balance. Consumers develop trust through parasocial relationships with hosts and collective validation of the community. The study identified the transformation of consumer behavior from deliberate decision-making to intuitive purchasing influenced by social and emotional stimuli. Theoretical implications include contributions to the consumer behavior and social commerce literature, while practical implications provide insights for the development of live commerce strategies that are responsive to millennial consumer expectations in the digital marketplace ecosystem.
Launching dan Talkshow Scholars’ Corner: Wadah Pembinaan dan Fasilitasi Belajar bagi Mahasiswa dalam Meraih Prestasi M. Yunasri Ridhoh; Indri Iswardhani; Nur Fadilah Ayu Sandira; Sri Astuti Nasir; Nulthazam Sarah
AKSELERASI: Jurnal Pengabdian Masyarakat Vol 3 No 1 (2025): AKSELERASI: Jurnal Pengabdian Masyarakat
Publisher : PT. Akselerasi Karya Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70210/ajpm.v3i1.115

Abstract

Kegiatan pengabdian yang meliputi launching dan talkshow Scholars Corner sebagai kelompok belajar bertujuan untuk membina dan memfasilitasi mahasiswa dalam meningkatkan prestasi mereka, khususnya di Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar. Scholars Corner diharapkan dapat memotivasi mahasiswa untuk lebih aktif berpartisipasi dalam kompetisi dan menciptakan ekosistem akademik yang kompetitif serta kolaboratif antara mahasiswa dan dosen. Kegiatan ini dimulai dengan diskusi bersama HIMA Manajemen, pengumpulan data minat mahasiswa, sosialisasi program, pelaksanaan talkshow, dan diakhiri dengan launching Scholars Corner. Kegiatan ini diikuti oleh 449 peserta secara daring pada 23 Oktober 2024.  Kegiatan ini memberikan pemahaman kepada dosen tentang strategi pembimbingan prestasi nasional dan penyusunan proposal kompetitif, sementara mahasiswa belajar manajemen waktu, disiplin diri, dan pentingnya kolaborasi untuk menghasilkan karya berkualitas. Selain itu, kegiatan ini telah menginisiasi terbentuknya kelompok belajar mahasiswa yang didampingi dosen.
Smart Finance for Coffeepreneur: Penguatan Literasi Keuangan UMKM Kopi Kahayya Sri Astuti Nasir; Indri Iswardhani; Rostina; Nur Fadilah Ayu Sandira; Nulthazam Sarah
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 4 (2026): JULI-AGUSTUS
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/bsfxwz29

Abstract

Desa Wisata Kahayya, Kecamatan Kindang, Kabupaten Bulukumba merupakan salah satu desa wisata unggulan di Provinsi Sulawesi Selatan yang dikenal sebagai sentra produksi kopi Arabika sekaligus destinasi wisata alam. Pengakuan sebagai 300 Besar Anugerah Desa Wisata Indonesia (ADWI) Tahun 2021 menjadi peluang besar bagi masyarakat dalam mengembangkan usaha berbasis pariwisata. Namun demikian, hasil observasi awal menunjukkan bahwa sebagian besar pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) kopi masih menghadapi berbagai kendala, antara lain rendahnya literasi keuangan, belum adanya pencatatan keuangan yang sistematis, pencampuran keuangan pribadi dan usaha, serta terbatasnya pemanfaatan teknologi digital dalam pengelolaan usaha. Kondisi tersebut berdampak pada rendahnya kemampuan pelaku usaha dalam mengambil keputusan bisnis, mengukur kinerja usaha, serta mengakses sumber pembiayaan formal. Program pengabdian kepada masyarakat ini bertujuan meningkatkan kapasitas literasi keuangan pelaku UMKM kopi melalui model Smart Finance for Coffeepreneur, yaitu pendekatan pendampingan yang mengintegrasikan edukasi literasi keuangan, pelatihan pembukuan digital berbasis Microsoft Excel, praktik penyusunan laporan keuangan sederhana, serta pendampingan implementasi pencatatan keuangan usaha. Metode pelaksanaan menggunakan pendekatan Participatory Learning and Action (PLA) yang meliputi tahap identifikasi kebutuhan, pelatihan, praktik, pendampingan, dan evaluasi menggunakan pre-test serta post-test. Mitra kegiatan adalah pelaku UMKM kopi yang tergabung dalam jejaring Pokdarwis Kahayya Hills. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai pengelolaan keuangan usaha, kemampuan melakukan pencatatan transaksi secara sistematis, penyusunan laporan laba rugi sederhana, serta meningkatnya kesadaran untuk memisahkan keuangan pribadi dan usaha. Selain itu, peserta mampu memanfaatkan template pembukuan digital berbasis Microsoft Excel sebagai media pencatatan keuangan yang mudah digunakan. Program Smart Finance for Coffeepreneur menjadi salah satu model pemberdayaan yang dapat direplikasi dalam penguatan kapasitas UMKM desa wisata berbasis komoditas lokal.
Co-Authors Achmad Ridha Ade Ikhlas Amal Alam Andi Dewi Angreyani Andi Rinda Oktariani Angreyani, Andi Dewi Aslam, Annisa Paramaswary Azlan Azhari Bando, Ushwa Dwi Masrurah Arifin Josafat Gracia Ginting M. Yunasri Ridhoh Muh. Irshan Sachrir Muhammad Rijal Alim Rahmat Muhammad Rijal Alim Rahmat Nulthazam Sarah Nur Fadilah Ayu Sandira Nurdin Brasit Nurhaedah Nurhaedah Rahayu Alkam Rahmat, Muhammad Rijal Alim Ria Mardiana Rostina Rostina Rostina Rostina Rostina Rostina Sri Astuti Nasir Ushwa Dwi Masrurah Arifin Bando Windarsari, Wiwin Riski