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All Journal JMM (Jurnal Masyarakat Mandiri) JURNAL PENDIDIKAN TAMBUSAI Jurnal Pengabdian Masyarakat Jamak Amalee: Indonesian Journal of Community Research & Engagement Management Studies and Entrepreneurship Journal (MSEJ) Community Development Journal: Jurnal Pengabdian Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Soso-Q : Jurnal Manajemen International Journal of Community Service & Engagement Devotion: Journal of Research and Community Service Indonesian Community Empowerment Journal Asian Management and Business Review Pattimura Proceeding : Conference of Science and Technology Abdimas Indonesian Journal SWARNA Media Bina Ilmiah Jurnal Bisnis dan Manajemen West Science Manis : Jurnal Manajemen dan Bisnis Nomico SWARNA: Jurnal Pengabdian Kepada Masyarakat KAMBOTI : Jurnal Sosial dan Humaniora Nomico Jurnal Abdimas Mahakam
Ralahallo, Fransiska Natalia
Faculty Of Economics And Business, Universitas Pattimura, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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The Influence of Fintech on The Level of Credit Disbursement for MSMEs Ralahallo, Fransiska Natalia; mayndarto, Eko Cayo; Mamusung, Robby Tanod
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/98ft6t26

Abstract

This study aims to analyze the impact of financial technology (fintech) utilization on credit disbursement levels to Micro, Small, and Medium Enterprises (MSMEs). The background of this research lies in the limited access of MSMEs to formal financing, which is often constrained by collateral requirements, complex bureaucratic procedures, and a lack of credit information. Fintech emerges as a digital solution offering faster, simpler loan processes without the need for physical collateral. This study adopts a quantitative approach using a survey method, with data collected through questionnaires distributed to 100 MSME actors who utilize fintech services. The results of linear regression analysis indicate that fintech has a significant effect on increasing credit disbursement. In other words, the higher the utilization of fintech, the greater the opportunity for MSMEs to access financing. The study concludes that fintech plays an essential role in promoting financial inclusion; however, this must be supported by improved financial literacy and appropriate regulatory oversight to ensure its long-term benefits.
DIGITAL SUPPLY CHAIN TERHADAP KINERJA PEMASARAN INDUSTRI UKM DI KOTA AMBON Walter Tabelessy; Rainier Hendrik Sitaniapessy; Fransiska Natalia Ralahallo
Media Bina Ilmiah Vol. 17 No. 5: Desember 2022
Publisher : LPSDI Bina Patria

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33758/mbi.v18i7.708

Abstract

Perkembangan teknologi saat ini mengharuskan setiap bisnis UKM untuk beradaptasi dengan situasi yang berkembang tersebut. Hal-hal seperti ini tentunya memicu perubahan model bisnis dalam supply chain. Perubahan dari supply chain konvensional menjadi electronic supply chain karena perkembangan internet dan teknologi informasi menjadikan aliran komunikasi antar rantai pasokan menjadi sangat cepat. Tujuan penelitian ini adalah untuk mengembangkan suatu model teoritikal untuk mengatasi inkonsistensi hasil-hasil penelitian serta fenomena ekosistem digital UKM di Kota Ambon. Data yang diperoleh dalam penelitian ini melalui metode survey dan dikumpulkan dari sampel yang diambil dari populasi dengan jumlah sampel sebanyak 240 pelaku UKM di Kota Ambon. Penelitian ini menggunakan teknik analisis GeSCA dengan bantuan aplikasi Web GESCA versi 1,5. Hasil olah data menunjukkan bahwa model dalam penelitian sudah fit dan menerima seluruh hipotesis yang diajukan dalam penelitian ini dapat diterima, yaitu: E-market orientation supply chain berpengaruh terhadap e-supply chain positional advantage, E-supply chain capability berpengaruh terhadap e-supply chain positional advantage, E-adaptability supply chain berpengaruh terhadap e-supply chain positional advantage, dan E-supply chain positional advantage berpengaruh terhadap kinerja pemasaran. Dengan demikian, pelaku UKM di Kota Ambon harus terus menggunakan platform digital karena secara empiris dapat meningkatkan keunggulan posisional sekaligus meningkatkan kinerja pemasaran
Implementation of the 7P Marketing Mix Principles as a Marketing Strategy for Business People: Application to the Business Community of KP. Ambon CU. Hati Amboina, Ambon, Indonesia Tabelessy, Walter; Ralahallo, Fransiska Natalia; Loppies, Lilian Sonya; Pattinaja, Elna Marsye; Siahaan, Martha Herlina
Indonesian Community Empowerment Journal Vol. 3 No. 2 (2023): Indonesian Community Empowerment Journal
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/icejournal.v3i2.33

Abstract

Using the 7P marketing mix principles is becoming increasingly important. By combining these seven elements, the business community of KP. Ambon CU. Hati Amboina can create a holistic marketing strategy which focuses not only on product and price but also on customer experience, efficient business processes, and impressive physical evidence. This activity is an implementation of the 7P marketing mix principles in the context of the business community of KP. Ambon CU. Hati Amboina, Ambon, Indonesia. This activity presents how the business community can utilize each element in the 7Ps to improve their marketing strategies, address local challenges, and build stronger relationships with customers. Community service activities are carried out in the form of workshops and discussions. Community service activities are carried out by first carrying out an initial discussion process regarding understanding the business community of KP. Ambon CU. Hati Amboina, Ambon, Indonesia, is related to marketing capabilities based on the 7P principles and accommodating the aspirations of the business community regarding matters they wish to discuss regarding marketing capabilities based on the 7P principles of the business community of KP. Ambon CU. Hati Amboina, Ambon Indonesia. This community service activity is quite effective in increasing the knowledge aspect of the business community of KP. Ambon CU. Hati Amboina is related to the 7P marketing principles. The increase in knowledge score from an average of 47.86 to 88.35 shows the effectiveness of community service activities in implementing the 7P marketing principles through workshops and discussions.
Pengaruh Kompetensi dan Locus of Control Terhadap Kinerja Karyawan PLN (Persero) Unit Pelaksana Pembangkit Maluku Ralahallo, Fransiska Natalia; Latupapua, Conchita. V.; Azzahra, Rachel Fatimah
KAMBOTI: Jurnal Sosial dan Humaniora Vol. 5 No. 1 (2024): KAMBOTI: Jurnal Sosial dan Humaniora
Publisher : Lembaga Layanan Pendidikan Tinggi Wilayah XII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51135/kambotivol5issue1page9-17

Abstract

This study explores the impact of competence and locus of control on employee performance at PT PLN (Persero) Maluku Power Generation Implementation Unit. The research aims to analyze how these factors contribute to employee performance. Utilizing a descriptive quantitative approach, the study included 35 employees as its population and employed SPSS 25 for data analysis using descriptive methods. The findings reveal that competence significantly influences employee performance, as indicated by a t-value exceeding the t-table and a significance level below the threshold (p < 0.05). Similarly, locus of control also demonstrates a significant positive effect on employee performance, supported by statistical results where the t-value exceeds the t-table, and the significance level is well within acceptable limits (p < 0.05). These results underscore the importance of enhancing employee competence and effectively managing locus of control to optimize performance.
The Influence of Organizational Culture on Organizational Performance through Integrated Quality Management in Culinary MSMEs Ralahallo, Fransiska N; Titioka, Baretha Meisar; Djari, Lukman Hamsah
Devotion : Journal of Research and Community Service Vol. 4 No. 4 (2023): Devotion: Journal of Research and Community Service
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/devotion.v4i4.462

Abstract

The purpose of this thesis is to advance knowledge about Organizational Culture on Organizational Performance Through Total Quality Management in Culinary MSMEs in Ambon City measured using a Likert scale. A total of 50 respondents were involved in this study using purposive sampling technique. Respondents were selected based on the criteria, namely, the owners of culinary SMEs in the city of Ambon. To test the hypothesis proposed empirically, a hierarchical regression analysis was conducted as a method for analyzing data using XLSTAT PLS PM 2014 software. The results showed that organizational culture had a positive relationship with organizational performance, organizational culture had a positive relationship with total quality management, and quality management integrated has a positive relationship with organizational performance on culinary SMEs in the city of Ambon.
Tinjauan Literatur mengenai Strategi Inovasi dalam Meningkatkan Keunggulan Kompetitif Judijanto, Loso; Maqfirah, Poetri AL-Viany; Ralahallo, Fransiska Natalia
Jurnal Bisnis dan Manajemen West Science Vol 3 No 04 (2024): Jurnal Bisnis dan Manajemen West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jbmws.v3i04.1730

Abstract

Strategi inovasi merupakan salah satu elemen penting dalam menciptakan keunggulan kompetitif yang berkelanjutan di era persaingan global yang dinamis. Penelitian ini bertujuan untuk mengidentifikasi tema-tema utama dalam literatur strategi inovasi melalui analisis bibliometrik, dengan fokus pada hubungan antar konsep, tren penelitian, dan kolaborasi internasional. Hasil analisis menunjukkan bahwa "innovation strategy" merupakan tema sentral yang terkait erat dengan teknologi, inovasi terbuka, dan strategi bisnis. Teknologi seperti kecerdasan buatan dan Internet of Things (IoT) berperan sebagai enabler utama dalam mendukung inovasi produk dan model bisnis. Selain itu, kolaborasi lintas negara, khususnya antara negara-negara seperti China, United States, dan United Kingdom, terbukti memainkan peran signifikan dalam mendorong penelitian dan pengembangan inovasi. Meskipun demikian, tantangan seperti resistensi terhadap perubahan dan ketidakpastian pasar masih menjadi hambatan dalam implementasi strategi inovasi. Penelitian ini menekankan pentingnya kapabilitas organisasi, budaya inovasi, dan kolaborasi yang efektif untuk mencapai keberhasilan. Penelitian masa depan disarankan untuk mengeksplorasi hubungan antara strategi inovasi dan keberlanjutan guna menghadapi tantangan global yang semakin kompleks.
PEMASARAN DIGITAL: ERA BARU PENGEMBANGAN UMKM DI DESA KAMPUNG BARU-BANDA NEIRA MALUKU TENGAH Tehuayo, Erlinda; Tubalawony, Jacsy; Tabelessy, Walter; Pelupessy, Merry M.; Ralahallo, Fransiska Natalia
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Volume 5 No 1 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i1.26956

Abstract

Indonesia sebagai negara yang mempunyai jumlah Usaha Mikro, Kecil dan Menengah (UMKM) yang terbanyak di wilayah ASEAN dengan perkembangan teknologi yang semakin pesat menghadapi masalah keterbatasan pengetahuan tentang digitalisasi pada UMKM. Di Provinsi Maluku, tepatnya di Pulau Banda Neira sebagai tujuan wisata yang dikenal dengan julukan “Surga Dari Timur” pada Desa Kampung Baru, pelaku UMKM juga belum memahami bahkan menemui kesulitan tentang penggunaan teknologi pemasaran digital. Sehingga tujuan pelaksanaan kegiatan Pengabdian kepada Masyarakat (PkM) ini adalah untuk memberikan bahkan lebih menguatkan pemahaman disertai bukti empiris bagi pelaku UMKM di Desa Kampung Baru tentang pemasaran digital sebagai sebuah era baru bagi pengembangan UMKM. Pelaksana kegiatan ini yaitu tim PkM yang merupakan tenaga pengajar Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Pattimura yang bekerjasama dengan Pemerintah Desa Kampung Baru dan pelaku UMKM dengan menggunakan metode pendidikan masyarakat. Melalui berbagai materi yang diberikan pada kegiatan PkM ini, pelaku UMKM Desa Kampung Baru sudah bisa memahami dan menggunakan pemasaran digital dalam rangka memasarkan dan mempromosikan produk yang dihasilkan secara nasional maupun internasional demi pengembangan UMKM.
Revitalisasi Tata Kelola menuju Bumdes Produktif pada Bumdes Tanjung Siput Ohoi Lairngangas di Kabupaten Maluku Tenggara: Governance Revitalization towards Productive Bumdes in Bumdes Tanjung Siput Ohoi Lairngangas in Southeast Maluku Regency Lewaherilla, Novalien Carolina; Ralahallo, Fransiska Natalia; Loppies, Lilian Sonya
Amalee: Indonesian Journal of Community Research and Engagement Vol. 3 No. 2 (2022): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v3i2.1899

Abstract

The purpose of implementing this PKM activity is to provide understanding and knowledge about productive BUMDes management, due to the phenomenon that occurred in Tanjung Siput BUMDes Ohoi Lairngangas in Southeast Maluku Regency and to encourage the creation of competitive BUMDes governance in accordance with the nature of its presence, namely to improve the economic welfare of rural communities. Through the Participatory Action Research (PAR) method to the Management and Members of BUMDes, the process of sharing knowledge and skills is carried out, among others regarding the bookkeeping system and its application to BUMDes, Financial Management Implementation, strategies for handling non-performing loans through credit analysis training and strengthening organizational governance through organizational training. The conclusion of this PKM activity is that the understanding of BUMDes members in the field of production management and marketing can increase and there is a change in the mindset of BUMDES members to be more professional and able to run BUMDes.
The Influence of Fintech on The Level of Credit Disbursement for MSMEs Fransiska Natalia Ralahallo; Eko Cayo mayndarto; Robby Tanod Mamusung
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/98ft6t26

Abstract

This study aims to analyze the impact of financial technology (fintech) utilization on credit disbursement levels to Micro, Small, and Medium Enterprises (MSMEs). The background of this research lies in the limited access of MSMEs to formal financing, which is often constrained by collateral requirements, complex bureaucratic procedures, and a lack of credit information. Fintech emerges as a digital solution offering faster, simpler loan processes without the need for physical collateral. This study adopts a quantitative approach using a survey method, with data collected through questionnaires distributed to 100 MSME actors who utilize fintech services. The results of linear regression analysis indicate that fintech has a significant effect on increasing credit disbursement. In other words, the higher the utilization of fintech, the greater the opportunity for MSMEs to access financing. The study concludes that fintech plays an essential role in promoting financial inclusion; however, this must be supported by improved financial literacy and appropriate regulatory oversight to ensure its long-term benefits.
Does integrating personal data via CDPs improve banking responsiveness? Moderating influence of local culture Tabelessy, Walter; Ralahallo, Fransiska Natalia; Chaniago, Anggraini; Kurniawan, Sabda Aji; T, Glen Andre Yusuf
Asian Management and Business Review Volume 6 Issue 1, 2026
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol6.iss1.art14

Abstract

In the growing importance of personalized digital services in the banking sector, the integration of personal data through customer data platforms (CDPs) has become a strategic priority. This study explores how personal data privacy influences perceived personalization and operational efficiency in digital banking services, while also investigating the moderating role of local culture. The research is motivated by increasing consumer demands for both personalized services and greater control over personal data. Personal data privacy was conceptualized as a multidimensional construct comprising knowledge, experience, control, willingness to value privacy, and trust. A quantitative method using partial least squares structural equation modeling (PLS-SEM) with 10,000 bootstrapping resamples was employed. The analysis was conducted using SmartPLS version 4.1.1.4, which enables efficient estimation of complex models. Data were collected offline from 200 respondents who are active users of digital banking services from Himbara member banks. The results indicate that personal data privacy has a significant positive effect on both perceived personalization and operational efficiency. Among its dimensions, willingness to value privacy emerged as the most influential. Local culture was found to significantly moderate both relationships, suggesting that cultural context plays a critical role in shaping digital service outcomes. These findings contribute to theory and practice by highlighting the importance of integrating privacy protection and cultural sensitivity in the design of personalized digital banking services.
Co-Authors Abdullah Sanduan Anna Valensia Christianty De Fretes Aris Firmansyah Asiani Sijabat Asiani Sijabat Astrid J.D. Siahainenia Azzahra, Rachel Fatimah Baretha M Titioka Baretha Meisar Titioka Chaniago, Anggraini Djari, Lukman Hamsah Eko Cayo mayndarto Erfendi Regar Evracia Turukay Fatmawati Namsa Ginting, Yanti Mayasari Grace Tahapary Josia Pattipeiluhu Judijanto, Loso Jupiter Dakael Dakael Latuconsina, Zainuddin Latupapua, Conchita. V. Lewaherilla, Novalien Carolina Lilian S Loppies Loppies, Liliana Sonya Loso Judijanto Mamusung, Robby Tanod Maqfirah, Poetri AL-Viany Maria J.F Esomar Marthin Nanere mayndarto, Eko Cayo Meny Huliselan Nandang Bekti Karnowati Obet Eko Wiranto Olivia Laura Sahertian Pattinaja, Elna Marsye Pelupessy, Merry M. Poetri AL-Viany Maqfirah Rainier Hendrik Sitaniapessy Refo, Ignasius Samson Sudirman Ririhatuela, Elisabeth M P Robby Tanod Mamusung Ronyldo Tandikura Roy Seleki Sabda A. Kurniawan Sherly Sherly Siahaan, Martha Herlina Siaila, Steven T, Glen Andre Yusuf Tabelessy, Walter Tehuayo, Erlinda Ternate, Halima Tussaadia Tetelepta, Edward Gland Titioka, Baretha Meisar Tubalawony, Jacsy Watumlawar, Evelin Yupiter Mendrofa