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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) SYNERGY: Jurnal Bisnis dan Manajemen JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Journal Online Manajemen ELPEI (JOMEL) Abdi Cendekia: Jurnal Pengabdian Masyarakat Business Management Economics and Business Journal 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 Jurnal Medika: Medika Celebes Journal of Community Services AKSELERASI: Jurnal Pengabdian Masyarakat Manfaat: Jurnal Pengabdian Pada Masyarakat Indonesia Jurnal Ekonomi, Manajemen, Akuntansi Journal of Studies in Academic, Humanities, Research, and Innovation 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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Peningkatan Literasi Keuangan dan Efikasi Keuangan Untuk Mencegah Investasi Ilegal Sebagai Upaya Penguatan Determinan Sosial Kesehatan Desa Tarowang, Kecamatan Jeneponto Aslam, Annisa Paramaswary; Rahmat, Muhammad Rijal Alim; Macenning, A. Reski Almaida Dg; Iswardhani, Indri; Angreyani, Andi Dewi
Jurnal Medika: Medika Vol. 5 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/qrnh0415

Abstract

Rendahnya tingkat literasi keuangan di masyarakat pedesaan menjadi salah satu penyebab utama meningkatnya kasus investasi bodong yang merugikan. Program pengabdian masyarakat ini dilaksanakan di Desa Tarowang, Kecamatan Jeneponto, dengan tujuan untuk meningkatkan literasi keuangan dan efikasi keuangan masyarakat agar mampu menghindari tawaran investasi ilegal. Kegiatan dilakukan melalui berbagai metode seperti penyuluhan, pelatihan pengelolaan keuangan, workshop investasi aman, simulasi pengambilan keputusan finansial, serta pembentukan kelompok diskusi dan pendampingan. Hasil kegiatan menunjukkan adanya peningkatan signifikan dalam pemahaman masyarakat terkait pengelolaan keuangan dan kemampuan mengenali investasi bodong. Masyarakat juga menunjukkan peningkatan efikasi keuangan, yang tercermin dari keberanian mereka dalam mengambil keputusan finansial secara mandiri dan bijak. Program ini membuktikan bahwa edukasi keuangan yang disampaikan secara partisipatif dan kontekstual mampu memberikan dampak positif dan berkelanjutan di tingkat lokal.
Transformasi Digital Layanan Gadai Emas: Pengalaman Konsumen dalam Inovasi Layanan Berbasis Aplikasi Tring! by Pegadaian Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Iswardhani, Indri; Nasir, Sri Astuti; Oktariani, Andi Rinda
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.481

Abstract

This study provides a deeper understanding of how digitalization and service innovation within traditional service institutions are interpreted and experienced by consumers, particularly in the context of gold pawn services through the Tring! by Pegadaian application. The findings indicate that Pegadaian’s digital transformation is not solely oriented toward process efficiency but significantly shapes a service experience that is more convenient, secure, and flexible for users. Perceived ease of use emerges as the most dominant factor in forming a positive consumer experience. A simple interface, clear transaction flow, and the ability to conduct transactions without physical presence enhance perceptions of efficiency and service convenience. These results confirm that the success of digital service innovation largely depends on the extent to which technology aligns with users’ capabilities and needs, rather than merely on system sophistication. Beyond usability, institutional trust plays a central role in the adoption of digital gold pawn services. Pegadaian’s reputation as a state-owned enterprise, the assurance of physical gold availability through a 1:1 system, and data security protections significantly reduce consumers’ psychological risk when engaging in high-value asset-based digital services. This finding suggests that digital transformation in traditional financial services requires a strong foundation of trust to achieve broad acceptance. The study also emphasizes that digitalization does not fully replace conventional services; instead, it fosters a hybrid service model integrating digital and face-to-face channels. This model enables service flexibility while maintaining inclusivity, particularly for consumers with varying levels of digital literacy. Thus, digital innovation functions as a strategic complement that enriches the service ecosystem rather than serving as a complete substitute for physical interaction. Overall, this research contributes to the development of service innovation and consumer experience literature by providing qualitative empirical evidence from a traditional service sector undergoing digital transformation. The findings underscore that the primary value of digitalization lies in consumers’ subjective experiences and in the organization’s ability to continuously align technology, trust, and integrated service channels.
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.
Fundamental Analysis and Stock Valuation for Investment Decisions : (Case Study of Companies Listed on the Sri Kehati Index for the 2020-2024 Period) Nurman; Tawe, Amiruddin; Iswardhani, Indri; Mattoliang, Ridwan Andi; Husain, Fakhirah
Economics and Business Journal (ECBIS) Vol. 4 No. 3 (2026): In Press
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i3.299

Abstract

This study aims to analyze the fundamental condition and assess the investment feasibility of eleven issuers that consistently appeared in the Sri Kehati Index during the 2020–2024 period. Fundamental analysis was conducted using the financial ratios TATO, ROE, EPS, CR, DER, and DPR. The results show that UNVR and KLBF demonstrated high efficiency in asset management, while BBCA and BMRI exhibited strong profitability. JSMR had an aggressive capital structure but was supported by adequate liquidity. Meanwhile, UNVR and BBRI stood out for their generous dividend distribution policies. Stock valuation was carried out using two approaches: PER and PBV. Based on PER, nine issuers were classified as undervalued because their intrinsic values exceeded market prices, while two issuers (DSNG and SMGR) were considered overvalued. In contrast, the PBV approach indicated that ten issuers were overvalued, with only DSNG being undervalued. These differing results suggest that PER focuses more on a company’s earnings performance, whereas PBV emphasizes its book value. Therefore, stock investment assessment should be carried out comprehensively by considering more than one valuation method.
Dari Bertahan Menuju Bertumbuh:Peran Human Capital Pegadaian dalam Transformasi Nasabah Gadai Menjadi Investor Emas Sri Astuti Nasir; Iswardhani, Indri; Sarah, Nulthazam; Sandira, Nur Fadilah Ayu; Ginting, Josafat Gracia
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.499

Abstract

This study investigates the strategic role of human capital at Pegadaian in transforming customers from a survival-oriented mindset—where gold is perceived merely as a collateral instrument during emergencies—toward a growth-oriented mindset in which gold is understood as a long-term investment asset. Using a qualitative exploratory design, the research is based on in-depth interviews with ten customers who transitioned from pawn service users to gold investors. The findings reveal that this transformation is mediated by Pegadaian employees who act as financial change agents. Three key mechanisms are identified. First, employees build trust by leveraging relationships previously established through pawn transactions. Second, they provide contextualized financial education that bridges traditional perceptions of gold with modern investment concepts. Third, they offer continuous assistance throughout the gold investment process. The results demonstrate that the success of financial institution transformation largely depends on the capacity of its human capital to function as translators of financial culture. Their role extends beyond increasing financial literacy to reshaping customers’ economic behavior from short-term consumption toward long-term wealth accumulation. This study highlights that employee competency development serves as a crucial driver of customer financial literacy and inclusion.
Co-Authors Achmad Ridha Ade Ikhlas Amal Alam Angreyani, Andi Dewi Aslam, Annisa Paramaswary Azlan Azhari Bando, Ushwa Dwi Masrurah Arifin Husain, Fakhirah Josafat Gracia Ginting M. Yunasri Ridhoh Muhammad Rijal Alim Rahmat Nulthazam Sarah Nur Fadilah Ayu Sandira Nur Fadilah Ayu Sandira Nurdin Brasit Nurman Oktariani, Andi Rinda Rahayu Alkam Rahmat, Muhammad Rijal Alim Ria Mardiana Ridwan Andi Mattoliang Rostina Rostina Rostina Sarah, Nulthazam Sri Astuti Nasir Tawe, Amiruddin Windarsari, Wiwin Riski