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All Journal ProBank: Jurnal Ekonomi dan Perbankan Excellent KEUNIS Jurnal Abdi Masyarakat (JAM) Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Journal of Contemporary Administration and Management (ADMAN)
Solihati, Garin Pratiwi
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Fintech User Satisfaction as an Intermediary: Analysis of The Influence of Financial Literacy, Ease of Use, and Trust on User Loyalty in MSMEs Solihati, Garin Pratiwi; Anah, Sri; Anggraini, Wahyu
KEUNIS Vol. 13 No. 1 (2025): JANUARY 2025
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v13i1.6120

Abstract

The growth of financial technology (fintech) has transformed MSME operations, particularly in accessing financial services. This study analyzes the impact of financial literacy, ease of use, and trust on fintech user satisfaction and their role as mediating variables in fostering user loyalty among MSMEs. Using a quantitative approach, data were collected via an online questionnaire from 100 SME respondents in Yogyakarta. Structural Equation Modeling-Partial Least Squares (SEM-PLS) was employed to examine the relationships between variables. The findings reveal that financial literacy, ease of use, and trust have a positive and significant influence on user satisfaction. Moreover, user satisfaction has a positive and significant mediating effect on the relationship between financial literacy, ease of use, trust, and user loyalty. This indicates that improving these factors enhances user satisfaction, which subsequently strengthens user loyalty to fintech platforms. This study underscores practical implications, urging fintech providers to enhance accessibility, security, and transparency to boost user satisfaction. It also recommends that governments and educational institutions implement inclusive financial literacy programs to encourage broader fintech adoption among MSMEs. The study contributes to technology adoption literature by emphasizing user satisfaction as a critical mediator in establishing long-term loyalty. Future research should explore broader regions, larger sample sizes, and additional variables such as digital competence for deeper insights into fintech adoption dynamics.
Pemberdayaan Masyarakat Melalui Pelatihan Pembuatan dan Penetapan Harga Jual Sabun Mandi Ramah Lingkungan Bagi Kelompok PKK Dan Pemilik UMKM di Kelurahan Meruya Utara Jakarta Barat Sutra Tanjung, Putri Renalita; Solihati, Garin Pratiwi
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 2 (2025): Jurnal Pengabdian kepada Masyarakat Nusantara Edisi April - Juni
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i2.6059

Abstract

Kegiatan pemberdayaan kemitraan masyarakat ini bertujuan memberdayakan kelompok PKK dan pelaku UMKM di Kelurahan Meruya Utara melalui pelatihan pembuatan dan penetapan harga jual sabun mandi ramah lingkungan. Program ini sejalan dengan semangat Merdeka Belajar Kampus Merdeka (MBKM) yang mendorong kolaborasi aktif antara dosen, mahasiswa, dan masyarakat. Latar belakang kegiatan didasari oleh keprihatinan terhadap masalah lingkungan yang disebabkan oleh pola konsumsi harian, termasuk penggunaan produk pembersih berbahan kimia seperti sabun dan deterjen yang berdampak negatif terhadap lingkungan. Kelompok mitra dinilai memiliki potensi ekonomi, namun masih menghadapi kendala dalam keterampilan produksi, pemilihan bahan alami, dan perhitungan harga jual. Pelatihan mencakup teknik formulasi sabun alami, pemilihan bahan baku, proses produksi, serta perhitungan harga pokok produksi. Evaluasi dilakukan melalui pre-test dan post-test, serta diskusi reflektif. Hasilnya menunjukkan peningkatan signifikan dalam pemahaman dan keterampilan peserta. Seluruh peserta mampu menjelaskan kembali proses dan bahan pembuatan sabun ramah lingkungan, serta lebih dari 80% peserta berhasil melakukan simulasi perhitungan harga jual secara tepat. Kegiatan ini memberikan kontribusi positif terhadap pemberdayaan ekonomi lokal sekaligus mendorong konsumsi produk yang lebih ramah lingkungan.
Integrating Good Corporate Governance, Islamic Corporate Social Responsibility, Zakat, Syariah Governance, and Syariah Compliance: Exploring their Interconnected Impact on the Financial Health of Islamic Commercial Banks Solihati, Garin Pratiwi; Suhardiyanto, Herry; Hakim, Dedi Budiman; Irawan, Tony
ADMAN: Journal of Contemporary Administration and Management Vol 1 No 3 (2023): December 2023
Publisher : PT. LITERASI SAINS NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61100/adman.v1i3.94

Abstract

The background of this research revolves around the need to understand the complex relationship between Good Corporate Governance (GCG), Islamic Corporate Social Responsibility (ICSR), zakat, Shariah Governance (SG), and Shariah Compliance (SC) in the context of financial institutions, particularly Islamic banks. This study adopts a holistic framework to explore their interconnected impacts on the financial health of Islamic banks. The research utilized a comprehensive literature review with qualitative analysis, aiming to gain a thorough understanding of the subject from 2010 to 2023. The findings indicate that in the face of business complexity and global market dynamics, Islamic banks need to implement concepts such as Good Corporate Governance (GCG), Islamic Corporate Social Responsibility (ICSR), Zakat, Shariah Governance (SG), and Shariah Compliance (SC). The holistic integration of these principles can have a significantly positive impact on the financial health of Islamic banks. GCG provides a robust foundation for risk management and transparency, ICSR enriches the social and environmental dimensions, Zakat plays a crucial role in wealth redistribution and community economic empowerment, while SG and SC ensure adherence to Shariah principles and maintain the integrity of financial institutions. By effectively applying these concepts, Islamic banks can strengthen their position in facing market challenges and enhance their contributions to sustainable economic development.
PEMBERDAYAAN IBU RUMAH TANGGA UNTUK MENDAPATKAN PENGHASILAN TAMBAHAN DENGAN MEMBUAT PENGANAN PEMPEK MEMAKAI IKAN PATIN DI PERUMAHAN BARATA RT.003/RW 007 KARANG TENGAH CILEDUG Kurniawati, Elok; Solihati, Garin Pratiwi
Jurnal Abdi Masyarakat (JAM) Vol 2, No 2 (2017): JAM (Jurnal Abdi Masyarakat) - Maret
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (162.298 KB) | DOI: 10.22441/jam.2017.v2.i2.003

Abstract

Pempek adalah makanan khas palembang yang terbuat dari ikan yang dihaluskan dengan sagu, serta beberapa  komposisi lain seperti telur, bawang putih halus, penyedap rasa dan garam. Sebenarnya sulit untuk mengatakan bahwa pempek pusatnya adalah Palembang karena hampir di semua daerah di Sumatera Selatan Penyajian pempek ditemani oleh saus berwarna hitam kecoklat-coklatan yang disebut cuka atau cuko (bahasa Palembang). Cuko dibuat dari air yang dididihkan, kemudian ditambah gula merah, udang ebi dan cabe rawit tumbuk, bawang putih, dan garam. Bagi masyarakat asli Palembang, cuko dari dulu dibuat pedas untuk menambah nafsu makan. Namun seiring masuknya pendatang dari luar pulau Sumatera maka saat ini banyak ditemukan cuko dengan rasa manis bagi yang tidak menyukai pedas. Cuko dapat melindungi gigi dari karies (kerusakan lapisan email dan dentin). Karena dalam satu liter larutan kuah pempek biasanya terdapat 9-13 ppm fluor. satu pelengkap dalam menyantap makanan berasa khas ini adalah irisan dadu timun segar dan mie kuning. Adapaun Metode kegiatan yang akan digunakan adalah sebagai:1) Metode Demonstrasi; mencontohkan membuat pempek berbahan dasar ikan patin 2) Metode Tanya jawab; digunakan untuk memberikan kesempatan bagi peserta yang belum jelas dalam proses pembuatan pempek di Barata Tama II No.156 RT.003 RW 007 Karang Tengah Ciledug
Unveiling the Synergy Between the Digital Startup Ecosystem and Entrepreneurship Education: The Role of Digital Personality in Enhancing Students’ Entrepreneurial Intentions Junianto, Pilifus; Sutrisno, Sutrisno; Syamsuri, Syamsuri; Pramono, Susatyo Adhi; Solihati, Garin Pratiwi; Wanof, M. Indre
Jurnal Kependidikan : Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran, dan Pembelajaran Vol. 11 No. 4 (2025): December
Publisher : LPPM Universitas Pendidikan Mandalika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jk.v11i4.17116

Abstract

This study examines how the digital startup ecosystem and entrepreneurship education influence university students’ entrepreneurial intentions in Bandung City, with digital personality acting as a mediating variable. A quantitative approach using SEM-PLS was employed, with data collected through an online Likert-scale questionnaire that served as the primary research instrument for measuring perceptions of the digital startup ecosystem, entrepreneurship education, digital personality traits, and entrepreneurial intention. A total of 100 students were selected through purposive sampling, an approach considered sufficient for SEM-PLS analysis, particularly for exploratory models and moderate model complexity. The results show that both the digital startup ecosystem and entrepreneurship education positively influence entrepreneurial intention. However, the digital startup ecosystem exerts its effect only indirectly through digital personality traits such as technological adaptability, digital creativity, and confidence in digital environments. In contrast, entrepreneurship education demonstrates both direct and indirect effects on entrepreneurial intention. The study contributes theoretically by integrating the Theory of Planned Behavior and the Theory of Digital Personality, emphasizing that digital personality acts as a psychological mechanism transforming educational and ecosystem stimuli into entrepreneurial motivation in digital contexts. These findings highlight the importance of incorporating digital personality development into entrepreneurship learning and offer contextual strategies to strengthen youth participation in digital-based entrepreneurship within creative urban ecosystems like Bandung.
Pengaruh Leverage, Profitabilitas, Dan Kepemilikan Institusional Terhadap Tax Avoidance Rahmi, Noer; Solihati, Garin Pratiwi
Excellent Vol 12, No 2 (2025)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/exc.v12i2.2058

Abstract

In Indonesia, tax revenues constitute roughly 80% of the country's overall governmental income. Authorities continuously strive to guarantee that tax collection achieves predetermined objectives. However, obstacles persist in optimizing tax effectiveness, potentially motivating taxpayers to adopt tax minimization practices. Tax minimization may be characterized as a method for diminishing fiscal responsibilities by taxpayers through reducing their tax burden while remaining within legal boundaries, or it may be described as taking advantage of gaps in current legislation. This study aims to investigate the effects of leverage, profitability, and institutional ownership on tax minimization practices within Consumer Non-Cyclical Sector companies listed on the Indonesia Stock Exchange between 2020-2023. This research adopts a quantitative approach. The research population encompasses non-cyclical consumer sector firms listed on the Indonesia Stock Exchange (IDX) from 2020-2023. The study employs purposive sampling methods, resulting in 164 data observations for examination. The analytical method utilized is multiple linear regression through IBM SPSS 25 software. Results indicate that leverage exhibits a significant positive effect on tax minimization, while profitability displays a significant negative effect on tax minimization, and institutional ownership fails to show a significant effect on tax minimization.
Pengaruh Keadilan Pajak, Diskriminasi, Dan Religiusitas Terhadap Persepsi Penggelapan Pajak Salsabila, Salma; Solihati, Garin Pratiwi
Excellent Vol 12, No 2 (2025)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/exc.v12i2.2054

Abstract

This study investigates the impact of tax justice, perceived discrimination, and religiosity on individuals’ perceptions of tax evasion. The research focuses on accounting students at Mercu Buana University, observed over a three-year period from 2021 to 2023. The total population consists of 477 students. The sample was selected using an accidental sampling technique, a non-probability method wherein The selection of study participants was determined by their readiness to participate voluntarily. From this process, 112 usable responses were successfully collected. This research utilized firsthand information gathered directly from survey participants through the administration of systematic questionnaire instruments. The analytical approach involved implementing Partial Least Squares Structural Equation Modeling (PLS-SEM) methodology. The research outcomes demonstrate that tax fairness and feelings of discriminatory treatment both show substantial positive correlations with taxpayer evasion attitudes. Conversely, although religious beliefs also exhibit a positive association with evasion perceptions, this relationship lacks statistical significance in the findings.
Peran Literasi Keuangan Dan Financial Self-Efficacy Dalam Mempengaruhi Perilaku Kredit Berisiko Melalui Paylater Solihati, Garin Pratiwi; Atristyanti, Ikhyandini Garindia
ProBank Vol 10, No 2 (2025)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/probank.v10i2.2079

Abstract

This analysis explores the influence of both objective and subjective financial literacy, in addition to financial self-efficacy, on hazardous credit behavior among millennial PayLater users residing in Indonesia. A total of 262 participants provided data through an online survey, which was subsequently analyzed employing Structural Equation Modeling (SEM). The empirical evidence suggests that individual perceptions of financial literacy reduce engagement in high-risk credit activities while simultaneously bolstering one's financial self-efficacy. The acquisition of objective financial literacy solely enhances one's financial self-efficacy without directly impacting behaviors associated with high-risk credit engagement. Furthermore, financial self-efficacy does not demonstrate a statistically meaningful impact on precarious credit practices is recognized, and it does not fulfill a mediating role in the association between financial literacy and precarious credit practices. These results underscore the critical role of subjective financial literacy in alleviating the risk associated with adverse credit behaviors.
Co-Authors Atristyanti, Ikhyandini Garindia Elok Kurniawati Hakim, Dedi Budiman Herry Suhardiyanto Junianto, Pilifus Putri Renalita Sutra Tanjung, Putri Renalita Rahmi, Noer Salsabila, Salma Sri Anah Susatyo Adhi Pramono, Susatyo Adhi Sutrisno, Sutrisno Syamsuri Syamsuri Tony Irawan Wahyu Anggraini, Wahyu Wanof, M. Indre