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Transaksi Non Tunai pada Masa Pandemi Covid-19: Benarkah Menurun Signifikan? Nugraha, Cindera Syaiful; Surgawati, Iis; Kurniawan, Dian
WELFARE Jurnal Ilmu Ekonomi Vol 3, No 1 (2022): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (122.6 KB) | DOI: 10.37058/wlfr.v3i1.4862

Abstract

In addition to the benefits and ease of use, non-cash transactions are also expected to be able to minimize the risk of spreading the virus through physical contact in cash transactions. However, restrictions on community activities that have an impact on reducing purchasing power are allegedly reducing financial transactions, including non-cash transactions. This study aims to determine whether non-cash financial transactions through card payment instruments (APMK) consisting of ATM/ATM+debit cards and credit cards and electronic money in Indonesia during the Covid-19 pandemic experienced a significant decline or not, both in terms of volume as well as in transaction value. The research method used is descriptive method with a quantitative approach, while the data analysis method uses Two Independent Sample t-Test. With the time series data structure obtained from the Bank Indonesia website for the period of 14 months before the pandemic (January 2019 – February 2020) and 20 months of the pandemic (March 2020 – October 2021) it was found that during the pandemic there was an insignificant decrease in volume and value. ATM/ATM+debit card transactions, while the volume and value of transactions via credit cards decreased significantly. Different results were shown by transactions through electronic money, where the volume of transactions decreased insignificantly while the value of transactions actually increased significantly.Selain kemanfaatan dan kemudahan dalam penggunaannya, transaksi non tunai  juga diharapkan mampu meminimalisir risiko penyebaran virus  melalui kontak fisik pada transaksi secara tunai. Namun pembatasan aktivitas masyarakat yang berdampak menurunkan daya beli disinyalir mengurangi transaksi keuangan termasuk transaksi non tunai. Penelitian ini bertujuan untuk mengetahui apakah transaksi keuangan non tunai melalui alat pembayaran menggunakan kartu (APMK) yang terdiri dari kartu ATM/ATM+debit dan kartu kredit serta uang elektronik di Indonesia pada masa pandemi Covid-19 mengalami penurunan yang signifikan atau tidak, baik dalam  volume maupun dalam nilai transaksi. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kuantitatif sedangkan  metode analisis data menggunakan two independent sample t-test. Dengan struktur data time series yang diperoleh dari website Bank Indonesia periode 14 bulan sebelum pandemi (Januari 2019 – Februari 2020) dan  20 bulan masa pandemi (Maret 2020 – Oktober 2021) diperoleh hasil bahwa pada masa pandemi terjadi penurunan yang tidak signifikan pada volume dan nilai  transaksi kartu ATM/ATM+debit sedangkan volume dan nilai transaksi melalui kartu kredit terjadi penurunan yang signifikan. Hasil yang berbeda ditunjukkan oleh transaksi melalui uang elektronik, di mana volume transaksi menurun tidak signifikan sedangkan nilai transaksi justru meningkat signifikan.
Perancangan Tekhnologi Pengolahan Limbah Sekam Padi Pada kelompok rampahdone Farm Dalam Mendukung Ketahanan Pangan Pada Masyarakat Desa Wanasigra Kecamatan Sindangkasih Tirto Madawistama, Sri; Ni’mah, Khomsatun; Heryani, Yeni; Kurniawan, Dian
Rengganis Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2023): November 2023
Publisher : Pendidikan Matematika, FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/rengganis.v3i2.345

Abstract

Chaff waste which has no economic value will become of high value after being converted into rice bran through the milling process. Rice bran is very much in demand because it provides many benefits. The abundant and abundant availability of husk waste and only being left and burned is of course a problem due to the lack of information on utilizing this waste. By processing rice husk waste, it can be used as animal feed for boiler chicken and free-range chicken rations for residents who have poultry such as chickens. Furthermore, bran which is a by-product of the rice milling process can also be a staple food with high nutritional value. Bran has a high nutritional content, and so far only often used as animal feed can also be consumed with various properties, such as having a high content of B vitamins namely thiamine, niacin and B6 which play an important role in energy production, cardiovascular health and preventing depression It is also considered as a source of natural fiber. In order to be able to utilize the abundant rice husk waste, an appropriate technology design is carried out in processing rice husk waste in the Wanasigra village community into various alternative results of processing this waste to support food security. The results and outputs of community service activities for the food security scheme (PBM-KP) for the Wanasigra Village community, namely residents becoming more independent, residents can maintain the food security of their families, residents and farmer groups gain knowledge through coaching and counseling in utilizing the results from the design of rice husk waste processing technology , providing assistance to target partners to be more independent in processing rice husk waste, food availability, earning additional income for their families. The method used in the service is through counseling, discussion, mentoring and introduction and design of technology to marketing through agricultural experts appointed by external parties. Sales are facilitated by the appointed chairman to distribute to other areas outside the Wanasigra village.
PENGARUH TECHNOLOGY INTEGRATION, DIGITAL LITERACY DAN PERCEIVED EASE OF USE TERHADAP CONSUMER NEEDS FOR UNIQUENESS Kurniawan, Dian; Rosyadi, Agi
Jurnal Ekonomi Manajemen Vol 6, No 2 (2020): November 2020
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v6i2.2390

Abstract

ABSTRACTOne form of fulfilling the need to be different (Consumers Need for Uniqueness) in the millennial generation can be realized by making online purchases (online shopping). Purchasing in this way allows a more complete search process as more information becomes available. This of course must be a concern of marketers. Selling through the online shop system must be a new strategy to win the competition. The first challenge that must be faced is how companies can integrate technology (technology integration), which is owned in order to create a marketspace that makes someone feel confident that the information system is easy to use and provides a different sensation of experience. Perceived ease of use, apart from providing a good interface, will also depend on the level of technology literacy. The various levels of technological literacy in society are certainly a challenge in itself. The objective of this research was to determine the effect of Technology Integration, Digital Literacy, Perceived Ease Of Use on Consumer Needs For Uniqueness. The research method is a survey with a research instrument in the form of a questionnaire that has been distributed to respondents who make purchases by choosing an online store. The data were processed using the SEM method. The results show that only Digital Literacy has an effect on Consumer Needs for Uniqueness while Technology Integration and Perceived Ease Of Use have no effect. Digital literacy has an impact because the ability to use digital technology can optimize the fulfillment of unique needs.Keywords: technology integration; technology literacy; perceived ease of use; consumer needs for uniqueness; millennial generationABSTRAK          Salah satu bentuk pemenuhan kebutuhan untuk tampil beda (Consumers Need for Uniqueness) pada generasi milenial dapat diwujudkan dengan cara melakukan pembelian secara online (onlineshopping). Pembelian dengan cara seperti ini memungkinkan proses pencarian yang lebih lengkap karena informasi yang tersedia menjadi lebih banyak. Hal ini tentunya harus menjadi perhatian para pemasar. Penjualan melalui sistem onlineshop harus menjadi strategi baru untuk memenangkan persaingan. Tantangan pertama yang harus dihadapi adalah bagaimana agar perusahaan dapat mengintegrasikan teknologi (technology integration), yang dimiliki agar tercipta sebuah marketspace yang membuat seseorang merasa percaya bahwa sistem informasi tersebut mudah digunakan dan memberikan sensasi pengalaman yang berbeda. Persepsi kemudahan penggunaan (perceived ease of use) selain dapat diwujudkan dengan menyediakan interface yang baik juga akan tergantung pada tingkat literasi teknologi (technology literacy). Tingkat literasi teknologi yang beragam di masyarakat tentunya menjadi tantangan tersendiri.        Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Technology Integration, Digital Literacy, Perceived Ease Of Use terhadap Consumer Needs For Uniqueness.  Metode penelitian adalah survey dengan instrumen penelitian berupa kuesioner telah disebarkan kepada responden yang melakukan pembelian dengan memilih toko online. Data diolah dengan menggunakan metode SEM. Hasil penelitian menunjukkan bahwa hanya Digital Literacy yang berpengaruh terhadap Consumer Needs For Uniqueness sementara Technology Integration dan Perceived Ease Of Use tidak memiliki pengaruh. Literasi digital memiliki pengaruh karena kecakapan penggunaan teknologi digital dapat mengoptimalkan pemenuhan kebutuhan keunikan.Kata Kunci:  technology integration; technology literacy; perceived ease of use; consumer needs for uniqueness; millennial generation
Pengaruh Tabungan Wadiah Dan Pembiayaan Mudharabah Terhadap Laba Bank Umum Syariah Periode 2018-2022 Kurniawan, Dian; Sugiarto, Adam; Sutikno, -
Jurnal Riset Akuntansi dan Manajemen Malahayati (JRAMM) Vol 13, No 2 (2024): Akuntansi Keuangan dan Bisnis
Publisher : Universitas Malahayati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33024/jur.jeram.v13i2.15528

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Penelitian ini bertujuan agar menunjukan pengaruh bagi hasil, biayaapromosi, efisiensi operasional dan ukuran perusahaan terhadap jumlah tabungan wadiah. Penelitian ini termasuk kedalam penelitian kuantitatif dengan menggunakan data sekunder bank umum syariah (BUS). Untuk Populasi penelitian ini merupakan BUS yang telah terdaftar di otoritas jasa keuangan (OJK) tahun 2016-2021. Sampel menggunakan teknik purposive sampling. Sampel diperoleh sebanyak 8 BUS selama 6atahun, sehingga total data sebanyak 48. Metode analisis data menggunakan regresi linear berganda dengan bantuan softwareaeviews. Hasil penelitian ini menunjukkan bahwa bagi hasil dan ukuran perusahaan berpengaruh positif dan signifikan terhadap jumlah tabungan wadiah. Biaya promosi dan efisiensi operasional tidak berpengaruh terhadap jumlahat bungan wadiah. Secara simultan bagi hasil, biaya promosi, efisiensi operarasional dan ukuran perusahaan berpengaruh terhadap jumlah tabungan wadiah. Penelitian ini dapat menjadi rujukan bagi manajemen BUS dalam meningkatkan kinerjanya, terutama untuk memperbesar BUS. Kemudiana meningkatkan bagi hasilayang diterima nasabah agar nasabah meningkat ketertarikannya dalam menabung dananya di BUS.
IMPLEMENTATION OF STALL HEALTH PROTOCOLS IN TOURIST AREA Kurniawan, Dian; Soeaidy, Mohammad Soleh; Ardiani, Gusti Tia; Mandasari, Andina Eka
Inaba of Community Services Journal Vol. 2 No. 1 (2023): Volume 2 No. 1, June 2023
Publisher : Universitas INABA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/inacos.v2i01.152

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At the beginning of 2020, the world was shocked by the emergence of the Covid-19 virus, which spreads so massively and quickly and has fatal consequences for the human body. This has forced the world to make many changes, including making contact with humans to avoid the broader spread of the virus. These social restrictions have a significant impact on people's lives, one of the most felt impacts is the increasingly sluggish economic and business activities in Indonesia, including the tourism sector. As one element of a tourist location, stalls in tourist attractions must implement the CHSE (Cleanliness, Health, Safety, Environment Sustainability) protocol initiated by the Ministry of Tourism and Creative Economy to ensure the safety of tourists who want to explore Indonesia. Therefore, an idea was made as a problem solver for stall business actors to understand and apply health protocols in every business activity. This activity provides guidance in the form of counselling and assistance regarding the application of standard health protocols in business activities during the transition period of the Covid-19 pandemic. This is intended to reduce the risk of spreading the Covid-19 virus. In addition, this service activity can be one of the activities that provide practical benefits for stall business actors so that they can continue to carry out business activities during the transition period of the Covid-19 pandemic.
Building A Predictive Model for Student Decisions: The Role of Investment Understanding, Herding Behavior and Risk Tolerance Mulyani, Elis Listiana; Rahmani, Dede Arif; Kurniawan, Dian; Paturochman, Iwan Ridwan; Rinandiyana, Lucky Radi; Badriatin, Tine
Indonesian Journal of Social Science Research Vol 5 No 2 (2024): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.05.02.12

Abstract

Various factors influence the investment decisions of Siliwangi University students, such as their understanding of investment and herding behavior, and risk tolerance. So the problem formulation in this study is about how the effect of investment understanding on student investment decisions in the capital market, how the effect of herding behavior on student investment decisions in the capital market, how the effect of Risk Tolerance on student investment decisions in the capital market, how the effect of investment understanding, herding behavior and Risk Tolerance on student investment decisions in the capital market. While the purpose of this study is to identify and describe the effect of investment understanding on student investment decisions in the capital market, the effect of herding behavior on student investment decisions in the capital market, the effect of risk tolerance on student investment decisions in the capital market, and the combined effect of investment understanding, herding behavior, and risk tolerance on student investment decisions in the capital market. This research uses a descriptive method with a verification approach. The data collection technique was carried out through a questionnaire as primary data. The results of the study will be analyzed using correlation analysis, determination, and F test.
Strategi Pengembangan Ekonomi Desa Margacinta melalui Integrasi Objek Wisata Lokal dan Produk Desa Supriadi, Apip; Komarlina, Dwi Hastuti Lestari; Ramadhan, Rifky Wahyu; Ardiani, Gusti Tia; Kurniawan, Dian
Abdimas Galuh Vol 6, No 2 (2024): September 2024
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v6i2.15722

Abstract

Pariwisata memiliki dampak signifikan pada aspek sosial, lingkungan, dan ekonomi masyarakat, terutama di daerah pedesaan. Desa Margacinta, Kecamatan Cijulang, Kabupaten Pangandaran, merupakan salah satu desa dengan potensi wisata alam yang besar, seperti body rafting, wisata edukasi mangrove, serta produk lokal asli desa seperti madu budidaya, dodol singkong, dan lain lain. Namun, promosi yang kurang optimal dan belum terintegrasinya objek wisata dengan produk lokal menjadi salah satu penyebab rendahnya kunjungan wisatawan ke Desa Margacinta. Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan masukan pengembangan ekonomi Desa Margacinta melalui integrasi objek wisata lokal dan produk asli desa. Metode yang digunakan adalah Participatory Rural Appraisal (PRA), yang melibatkan partisipasi aktif masyarakat dalam identifikasi masalah, penyusunan solusi, dan evaluasi. Dalam kegiatan pengabdian ini disampaikan bahwa integrasi antara wisata alam dan produk lokal dapat meningkatkan daya tarik wisatawan dan pendapatan masyarakat jika didukung dengan strategi promosi yang efektif. Beberapa strategi promosi yang disarankan meliputi pemanfaatan media sosial, kerja sama dengan influencer, dan pembuatan paket/bundling wisata dengan produk lokal. Strategi ini diharapkan dapat meningkatkan visibilitas Desa Margacinta, bisa menarik lebih banyak wisatawan, dan pada akhirnya meningkatkan perekonomian masyarakat desa secara berkelanjutan. Disarankan perlu adanya dukungan penuh dari masyarakat dan pemerintah daerah, serta pelatihan bagi generasi muda dalam memanfaatkan media sosial untuk turut serta mempromosikan desa.
KEMAMPUAN KOMUNIKASI CALON GURU UNTUK MEMBANGUN KEMAMPUAN PENALARAN SISWA Kurniawan, Dian; Muzdalipah, Ipah
JP3M (Jurnal Penelitian Pendidikan dan Pengajaran Matematika) Vol 9, No 1 (2023)
Publisher : Program Studi Pendidikan Matematika, FKIP, Universitas Siliwangi, Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jp3m.v9i1.7068

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This study aims to describe the communication skills of prospective teachers in learning mathematics to build students' reasoning abilities. The research was carried out in class X SMAN 1 Lawang with 38 students and SMAN 1 Singosari with 40 students. The subjects of this research were KPL students from the Mathematics Education Study Program, State University of Malang, consisting of 2 students. Mathematics learning for prospective teachers is Graph material and Quadratic Functions. This research is a descriptive qualitative research. The instruments in this study were interviews, field notes, and video recordings. The results of this study are that prospective teachers are able to communicate theorems and procedures well, according to the concept map material on Graphs and Quadratic Functions. Functions can be demonstrated through writing and geometric shapes by using mathematical interpretations from real life, performing calculations and predictions, explaining reasons why an answer can be accepted as a truth, finding an answer so as to be able to reveal connections and provide insight into the underlying mathematical structure. The exposition activities of prospective teachers through generalization activities of proof - proving the problems given help students get a truth, so that in this case the prospective teachers have succeeded in building students' reasoning. Errors that occur from a small number of students when making conclusions are expected to be minimized through a deeper study of mathematical communication to build student reasoning.Keywords: Teacher candidates, Mathematical Communication, Student Reasoning
Membuka Akses Generasi Zenial Dengan Meningkatkan Literasi dan Keterampilan Investasi Melalui Pembentukan Galeri Edukasi Kurniawan, Dian; Fahmi, Annas Syams Rizal; Budiman, Asep; Mulyani, Elis Listiana; Paturochman, Iwan Ridwan; Kurniawati, Ane; Rinandiyana, Lucky Radi; Badriatin, Tine
Jurnal Pengabdian Masyarakat Nusantara (JPMN) Vol. 4 No. 2 (2024): Agustus 2024 - Januari 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v4i2.3170

Abstract

Generation Z has great potential to change the economy, but low literacy and investment skills can hinder their ability to achieve financial independence and manage their finances effectively. Therefore, the aim of this service is to provide literacy related to finance and investment to help them manage their finances wisely, fundamentally change their views on finances, and enable them to make smarter investment decisions and build a more stable and financial future. sustainable. The methods used in this service include the establishment of an Education Gallery which is designed to provide information, training and resources related to financial literacy and investment. This gallery will hold various activities such as seminars, Focus Group Discussions, as well as provide educational material that is easily accessible and understood by generation Z. The targeted output of this service is increasing the level of literacy and investment skills among generation Z. With the hope that after participating in this program, generation Z will be able to understand the concept of financial management, the basic concepts of investment, understand the risks and opportunities in investing, and be able to make better financial plans for their future. Thus, through innovative and sustainable approaches such as the establishment of the Education Gallery, this community service aims to make a significant contribution in improving the welfare and financial sustainability of generation Z, as well as strengthening the economic foundation of society as a whole, This can be seen from the results of the post-test of participants after taking part in the training, their understanding of investment has increased.
Building a Model of the Influence of Information Technology Usage, Technology Competence, and Technostress on Lecturer Performance in the Digital Age Kurniawan, Dian; Rinandiyana, Lucky Radi; Mufreni, Alfin Nurfahmi; Budiman, Asep; Kurniawati, Ane; Badriatin, Tine
Indonesian Journal of Social Science Research Vol 5 No 2 (2024): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.05.02.40

Abstract

Universities must carry out digital transformation in the era of the Industrial Revolution 4.0 and Society 5.0. The application of infor-mation technology brings the hope of increasing lecturer performance and ultimately improving student quality. The use of information technology and lecturer technological competence will help achieve optimal performance. The demands of the application of information technology are thought to cause a new phenomenon known as "tech-nostress", which is the negative effects and stress triggers that arise from the use of technology in various areas of life, including the work-place. This study offers lecturer technological competence variables because they have an impact on the effectiveness of the use of infor-mation technology, so that the model built combines three important variables (use of information technology, technological competence, and technostress) to explain lecturer performance in the digital era. The study will use a quantitative survey approach to solve the prob-lem. Data were analyzed using the structural equation modeling (SEM) method to test the hypothesized relationship. The results showed that there was an influence of the use of digital technology on technostress, while digital competence had a negative influence on technostress. The technostress variable had a negative influence on lecturer performance. This study is expected to provide a better un-derstanding of how the use of information technology, technological competence, and technostress affect lecturer performance in the digi-tal era. Based on existing findings to reduce the impact of tech-nostress due to the use of digital technology, lecturers' ability to mas-ter technology must be improved. The model built can be a basis for further, more specific research, for example investigating the influ-ence of certain technologies on technostress or the moderating role of other supporting factors.