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All Journal BASKARA: Journal of Business and Entrepreneurship Unri Conference Series: Community Engagement International Journal of Environmental, Sustainability, and Social Science Journal of Economics, Accounting, Tax and Management
Candrawati, Triesti
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Humanities Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Determinants of Students' Decisions to Use Paylater Digital Financial Products Lutfillah, Novrida Qudsi; Hapsari, Aziizah Putri; Candrawati, Triesti
BASKARA : Journal of Business and Entrepreneurship Vol 7, No 1 (2024): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v7i1.23263

Abstract

The use of digital financial technology is increasingly widespread among society, especially among students who are digitally active. One product that is increasingly popular is PayLater. This research aims to analyze the influence of digital financial literacy, lifestyle, social influence, and ease of use on the decision to use PayLater among students in Malang City. The t test is used as a data analysis method. The unit of analysis in this research is students who live in Malang, totaling 106 respondents. The research results show that digital financial literacy, lifestyle, social influence, and ease of use influence students' decisions to use digital financial products such as PayLater. It is hoped that this research will provide a deeper understanding of the factors that influence the use of PayLater among students and the implications for future financial management policies and practices. 
Pengembangan UMKM Produksi Tahu Desa Tulusbesar Melalui Pelatihan Dan Pendampingan Pengolahan Diversifikasi Produk Serta Penerapan Online Marketing Djajanto, Ludfi; Kusmintarti, Anik; Wakhidah, Rokhimatul; Amerieska, Siti; Candrawati, Triesti; Asdani, Andi
Unri Conference Series: Community Engagement Vol 6 (2024): Seminar Nasional Pemberdayaan Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/unricsce.6.166-171

Abstract

Tulusbesar village is one of the villages in Tumpang sub-district, Malang district, where the livelihoods of the residents are mostly agriculture, animal husbandry and tofu production. Currently, tofu production MSMEs are one of the products being developed because they have potential and business opportunities and can improve the economic sector of Tulusbesar village. The aim of the community service program for tofu production MSMEs in Tulusbesar village is to help overcome the main problems that hamper the growth of tofu production MSMEs in Tulusbesar Village, such as the lack of diversification or product development with poor quality, the absence of management and bookkeeping activities. finances and promotional activities are still limited to word of mouth. The method of service activities applied is by conducting a problem survey, followed by analysis and implementation of problem solving with assistance and support for innovation and product diversification in accordance with consumer desires, providing assistance with machines and equipment that can improve the production process by combining appropriate technology and a touch of science and technology, business management training and financial bookkeeping and making packaging and labels as well as promotion through online marketing using social media such as Instagram. The results obtained from this community service include increased sales and product quality.
Analysis of Service Quality Perceptions Gap Between Students and Management of State Polytechnic of Malang AFIATIN, Yunia; KUSMINTARTI, Anik; DJAJANTO, Ludfi; CANDRAWATI, Triesti
International Journal of Environmental, Sustainability, and Social Science Vol. 6 No. 4 (2025): International Journal of Environmental, Sustainability, and Social Science (Jul
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ijesss.v6i4.1596

Abstract

Higher education institutions in Indonesia are facing increasing competition. Service quality is determined by variables such as tangiblility, reliability, responsiveness, assurance, and empathy. This research intends to investigate the gap in service quality between students’ perceptions and management at the State Polytechnic of Malang. This research uses primary data. Descriptive analysis is used to assess the level of service quality difference between the perceptions of the student and the perceptions of management. The result of this analysis is that the average value perceptions of consumers and students are smaller compared to the average value perceptions of management and service providers, which indicates that consumers remain dissatisfied with the quality of services offered by the institution. The results of this research can be used by management to identify the advantages and disadvantages of service quality and determine strategies that can meet the expectations of consumers and students.
PENETAPAN STRATEGI BERSAING BERDASARKAN ANALISIS SWOT DAN MATRIKS STRATEGI PADA UD KUDA TERBANG Wulandari, Indri; Candrawati, Triesti; Prasetya, Rizky
Journal of Economics, Accounting, Tax, and Management (JECATAMA) Vol 4 No 2 (2025): JECATAMA
Publisher : Unit Penelitian dan Pengabdian kepada Masyarakat Politeknik TEDC Bandung Jl. Pesantren Km 2 Cibabat Cimahi Utara, Cimahi 40513 Jawa Barat, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70428/jecatama.v4i2.1363

Abstract

This research aims to determine the competitive strategy of UD Kuda Terbang through SWOT analysis and strategy matrix. The data used are primary data such as observations, interviews, and questionnaires to MSMEs, while secondary data are documentation that includes a brief history of the company, organizational structure, vision and mission. Data obtained from MSMEs will be used as the basis for SWOT analysis. The results showed that MSMEs are in an above-average position according to the values in the IFE and EFE matrices. The SWOT matrix produce several alternative strategies, including market penetration, market development, product development, related diversification, and retrenchment. The IE matrix is in quadrant I, indicating a grow & build position. The GSM matrix is in quadrant I, indicating an aggressive conditions. A comparison of the strategy analysis results of the SWOT, IE, and GSM matrices show that the three best strategies are market penetration, market development, and product development. The QSPM matrix results for these three strategies show that product development strategy is the top priority, with a TAS score of 7.01—the highest compare to the other strategies. UD Kuda Terbang is expected to implement product development strategies, through design innovation, product diversification, or improving products quality.
The Influence of Percieved Usefulness, Percieved Ease of Use, and Percieved Risk on the Level of Customer Satisfaction in Using Internet Banking : Study on Deposit Customers of Bank Syariah Indonesia KCP Malang Kawi CANDRAWATI, Triesti; WIDIASTUTI, Retno
International Journal of Environmental, Sustainability, and Social Science Vol. 5 No. 1 (2024): International Journal of Environmental, Sustainability, and Social Science (Jan
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ijesss.v5i1.984

Abstract

The provision of services to customers in banking has experienced a very good change in connection with technological developments, where the business strategy in the banking world has placed information technology as the main factor in serving its customers. Information technology advancements have alsi sparked innovation in the service sector, including banking service. Internet banking is a form of electronic transaction which is a new form of development of bank service delivery channels which has changed a banking business strategy that initially relied more on human technology to become information technology. The aim of this research is to determine the effect of perceived usefulness perceived ease of use, and perceived risk on satisfaction with using internet banking. The population of this research is 100 priority customers at Bank Syariah Indonesia KCP Malang Kawi. While the number of samples obtained 80 priority customers using purposive sampling method. Testing the hypothesis of this study using multiple regression analysis. Conclusions that can be drawn based on the test results include the Usefulness variable, the Ease of Use variable, and the Risk variable which have a positive and significant effect, both partially and simultaneously, on the level of customer satisfaction in using Internet Banking.
Co-Authors AFIATIN, Yunia Asdani, Andi Djajanto, Ludfi Hapsari, Aziizah Putri Indri Wulandari, Indri Isrowiyah, Anna Kusmintarti, Anik Novrida Qudsi Lutfillah Prasetya, Rizky Retno Widiastuti Rokhimatul Wakhidah Setiati, Fita Siti Amerieska