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All Journal Jurnal Reviu Akuntansi dan Keuangan Management and Economics Journal (MEC-J) BALANCE: Economic, Business, Management and Accounting Journal Cendekia : Jurnal Pengabdian Masyarakat BASKARA: Journal of Business and Entrepreneurship Community Development Journal: Jurnal Pengabdian Masyarakat International Journal Of Science, Technology & Management (IJSTM) Community Empowerment International Journal of Educational Research and Social Sciences (IJERSC) International Journal of Community Service Journal of Office Administration : Education and Practice Mujtama': Jurnal Pengabdian Masyarakat Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Ekonomi Bisnis Antartika Prosiding Seminar Nasional Unimus
Fajri, Mega Barokatul
Universitas Muhammadiyah Lamongan
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Optimizing Digital Financial Inclusion to Achieve SDGs through Accelerating Womenpreneurs as Economic Empowerment Lailiyah, Elliv Hidayatul; Fajri, Mega Barokatul
MEC-J (Management and Economics Journal) Vol 8, No 3 (2024)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v8i3.29289

Abstract

The purpose of this study is to analyze and formulate strategies to optimize financial inclusion through womenpreneurs, because womenpreneurs can be economic empowerment so that the 2030 SDGs target can be achieved. Womenpreneurs can be actors who contribute significantly to economic development. However, womenpreneurs have a low financial inclusion index which will hinder the achievement of the SDGs target in 2030. This study uses a qualitative method with a case study approach to explore and obtain empirical evidence about strategies in optimizing digital financial inclusion in womenpreneurs. The subjects of this study were womenpreneurs from the Aisyiyah women's MSMEs group in Lamongan Regency, the head of regional leader of aisyiyah (PDA), the head of the cooperative and micro business office of Lamongan Regency and the head of the Industry and Trade office of Lamongan Regency. Data collection used interview and observation methods. Data analysis was carried out by means of data reduction, presentation of data conclusions and data verification. After the key data has been determined, the next step is to conduct an analysis using SWOT analysis and PEST analysis to formulate the strategy. There are two strategies formulated, first SOT Strategy provides full power, increases opportunities, and eliminates threats. Second, WOT Strategy fixes weaknesses, takes advantage of opportunities, and holds back threats.
Pelatihan Bilingual-Digital Marketing Produk Usaha Rumah Tangga sebagai Usaha Peningkatan Produk Jual TP-PKK BPWIR Desa Pucakwangi Mafruudloh, Naajihah; Fajri, Mega Barokatul; Rahmawati, Rizka Asna; Muchyidin, M Syaichul
Cendekia : Jurnal Pengabdian Masyarakat Vol 7 No 1 (2025): Juni
Publisher : LPPM UNIVERSITAS ISLAM KADIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/cendekia.v7i1.5874

Abstract

Industri Rumah Tangga (IRT) merupakan usaha dengan tujuan menaikan taraf ekonomi keluarga. Pada Kegiatan pengabdian kepada Masyarakat ini, pelatihan diberikan pada Mitra yakni Tim PKK BPWIR dan PRNA Desa Pucakwangi. Kegiatan Bilingual-Digital Marketing ini diikuti oleh 26 orang dari organisasi masyarakat, yakni PKK dan PRNA yang terlibat pada industri rumah tangga. Industri yang dijalankan yakni PIRT (Pangan Industri Rumah Tangga), Garmen atau pakaian, serta jasa berupa kursus atau layanan kesehatan lainnya. Metode yang digunakan pada kegiatan ini adalah observasi, pelatihan, dan workshop atau praktek secara langsung. Hasil dari kegiatan ini adalah Mitra mampu melakukan teknik fotografi produk yang tepat, mampu menyusun atau membuat label produk yang menarik konsumen, serta kemampuan dalam menjalankan toko online atau digital marketing guna memperluas jangkauan konsumen dan jumlah jual produk. Sehingga selain menjalankan usaha secara konvesnional, mitra juga mampu menjalankan usaha secara digital guna memenuhi kebutuhan konsumen. Kegiatan ini didanai oleh Hibah Internal Tahun 2024 Universitas Muhammadiyah Lamongan dengan skema Pengabdian kepada Masyarakat (PkM).
Empowering PKK Mothers in Klagensrampat Village: Accelerating income through ASMAN TOGA management Fajri, Mega Barokatul; Bait, Jennifer Farihatul; Pratiwi, Elasari Dwi
Community Empowerment Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.12552

Abstract

The purpose of this community service is to empower PKK mothers in Klagensrampat Village, Maduran District, Lamongan Regency, through the "Income Acceleration Through ASMAN TOGA Management" program. This program aims to increase participants' knowledge regarding the classification and function of TOGA plants, as well as encourage product innovation using TOGA as raw materials. The stages of the activity include training and mentoring as well as monitoring and evaluation. This training is provided with materials on classifying types of toga and their properties, creating innovative products, packaging design materials and digital marketing. The results of this activity show an increase in participants' knowledge and skills, especially in creating new products that are innovative and have high selling value. This activity has succeeded in creating products that have the potential to be marketed internationally, including herbal medicine in the form of liquid drinks (temulawak and turmeric), herbal medicine powder (ginger and lemongrass), and gummy candy (temulawak and lime). In addition, participants also gain an understanding of how to design attractive packaging and logos, as well as effective digital marketing strategies. The target partners showed very active and enthusiastic participation during the mentoring process.
Customer Relationship Management (CRM) Training in Increasing Business Sales During the Covid-19 Pandemic: Customer Relationship Management (CRM) Training in Increasing Business Sales During the Covid-19 Pandemic Hakim, Adi Lukman; Fajri, Mega Barokatul; Faizah, Erna Nur
International Journal Of Community Service Vol. 1 No. 2 (2021): August 2021 (Indonesia - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v1i2.33

Abstract

The Covid-19 pandemic demands that businesses go digital. Not only products must be marketed through technology, but the way of communication with consumers must also be arranged systematically to stabilize income. Among a number of tools designed to answer customer retention demands, CRM software was chosen because this tool can accommodate consumer data, business data, track consumer interactions, and track company prospects. The purpose of this activity is to conduct training and assistance in implementing Customer Relationship Management in increasing sales during the pandemic. This method uses a descriptive qualitative approach with training design in using Customer Relationship Management software. Instruments in the form of learning experience and literature study. This community partnership program involves business start-ups within the Muhammadiyah University of Lamongan, especially students majoring in Accounting and Management. The results of this study indicate that the application of CRM has an effect as an effort to increase business sales during the pandemic with a series of strategic CRM processes, operational CRM, analytical CRM. Essentially, both upper, middle, and even lower customers need good and quality service, it's just that the levels are different. When start-up actors apply the right and good CRM, it will automatically increase customer satisfaction which has an impact on increasing business sales.
Village Economics Acceleration: Evaluation of Business Strategy Schemes in The Retail Business Fajri, Mega Barokatul; Rosiawan, Rizky Wahyudha; Bait, Jennifer Farihatul
BASKARA : Journal of Business and Entrepreneurship Vol. 7 No. 2 (2025): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Lamongan Regency's economic growth 2020 decreased from 5.5 percent to -2.26 percent, so the district government tried to boost the regional revenue growth rate through BUMDes (Village Owned Enterprises). The Village Community Empowerment Service (PMD) established LA Mart as a local retail business managed by BUMDes in 2018. The existence of LA Mart is a strategic step to accelerate the movement of the village economy. Among the many LA Marts that have been established since being initiated in 2018, there are only five LA Marts that have survived and exist throughout the Lamongan district today. This study aims to evaluate the current business strategy of LA Mart and provide solutions in the form of updating relevant strategies by LA Mart. Data collection methods used in this research include interviews, document analysis, and observation. The data analysis used is a qualitative descriptive analysis by evaluating and comparing the strategies used, using a business strategy approach including Business Model Canvas (BMC), Value Chain, and Porter's Five Generic Strategy at LA Mart in Lamongan. The results of this study showed that the current LA Mart business has used a combination strategy between low prices and differentiation strategies. LA Mart can indirectly increase the market share of the village economy and provide opportunities for the community and MSMEs to innovate and produce competitive products.
An Evaluation of Stock Fair Value Using Fundamental and Technical Analysis with DDM and PER Approaches Fajri, Mega Barokatul; Hidayatul Lailiyah, Elliv; Rafikah Zulyanti, Noer; Syah, Imran; D. Oktanti, Ellen
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.930

Abstract

For an investor, it is very important to conduct a stock valuation before making a transaction because stock valuation is a form of rationalization for an investor in making investment decisions. The purpose of this study itself is to evaluate the intrinsic value of PT Indofood Sukses Makmur Tbk (INDF) shares using two approaches, namely fundamental analysis and technical analysis. In fundamental analysis, economic, industry, and company analyses are carried out. The fundamental analysis methods used are the dividend discount model (DDM) and price-earnings ratio (PER), while technical analysis is carried out using moving average indicators and the relative strength index. The results of this study indicate a relatively strong trend in the Indonesian economy and a fairly strong resilience in the face of trade wars. In terms of industry, INDF continues to experience growth both in terms of sales and in terms of net profit. And the results of calculations using the DDM and PER methods show that the INDF share price has an intrinsic value that is much higher than the value of shares in the market, so it can be concluded that INDF shares are classified as undervalued. And in terms of technical analysis, the intrinsic value of INDF shares is in the price range of IDR 6,500 to IDR 7,250. From this analysis, it indicates that the current stock value in the market is low and still has the potential to be purchased because of its higher intrinsic value.
Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Financial Technology Terhadap Kinerja UMKM Di Kabupaten Bojonegoro Agustino, Muhammad Rizqi; Fajri, Mega Barokatul; Kustaji, Kustaji; Pratama, Reza Anggara
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.13510

Abstract

Kesulitan UMKM mengakses pinjaman, lembaga keuangan, termasuk kurangnya literasi keuangan dan inklusi keuangan, menjadi penyebab terhambatnya pertumbuhan UMKM dikarenakan akses modal terbatas. Kabupaten Bojonegoro memiliki 86.820 UMKM. Usaha mikro sebanyak 76.695, usaha kecil 9.143, dan usaha menengah sebanyak 982. Potensi UMKM harus dapat dimanfaatkan agar ekonomi daerah tetap stabil dan tidak bergantung pada satu industri. Tujuan penelitian ini untuk mengetahui pengaruh literasi keuangan inklusi keuangan, financial technologi berpengaruh signifikan untuk kinerja UMKM. Metode penelitian adalah kuantitatif dengan jenis eksplanatori terdiri dari 3 variabel dependen dan 1 variabel independen. Dengan jumlah sampel 200 UMKM. Hasil dari penelitian ini yaitu variabel inklusi (X2) dan penggunaan financial technology (X3) berpengaruh positif dan signifikan terhadap kinerja UMKM, sedangkan variabel literasi keuangan (X1) berpengaruh negative dan tidak signifikan terhadap kinerja UMKM. Dengan demikian, untuk meningkatkan kinerja, UMKM memerlukan kemudahan akses dalam perolehan pinjaman dan penggunaan teknologi untuk mencari pinjaman.
Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies Fajri, Mega Barokatul; Rochmah, Sofi Machmudatul; Putro, Guruh Marhaenis Handoko; Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Syah, Imran
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22690

Abstract

The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.
Digital Financial Inclusion and Access to Financing for MSMEs: A Case Study of MSMEs in the Creative Sector in Lamongan Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Fajri, Mega Barokatul; Syah, Imran; Abdullah, Addina Haque
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3705

Abstract

The development of digital financial inclusion in Indonesia has brought significant changes to the local economic system. The development of digital technology has fundamentally changed the way people access financial services. However, for MSMEs in the creative sector, access to formal financing remains a major challenge, particularly in Lamongan Regency, East Java. This study aims to understand in depth how digital financial inclusion practices affect MSMEs' access to financing in the creative sector, as well as the social, technological, and institutional factors that influence this process. This study used a qualitative approach with a case study design. Data were obtained through in depth interviews with 10 informants. Analysis was conducted using thematic analysis techniques to identify patterns of meaning and relationships between themes. The results show that digital financial inclusion expands access to financing through the convenience of fintech applications and mobile banking services, but its effectiveness is highly dependent on digital literacy, trust in digital systems, and local government support. Key inhibiting factors include limited internet access in rural areas, low understanding of digital risks, and minimal mentoring. This study emphasizes the importance of building an inclusive and adaptive digital financial ecosystem to the local context, through collaboration between businesses, the government, and digital financial institutions.
Evaluation Of Implementation Of MBKM: Does Academic Stress Affect On Student Learning Outcomes? Hakim, Adi Lukman; Fajri, Mega Barokatul; Faizah, Erna Nur
International Journal of Educational Research & Social Sciences Vol. 3 No. 1 (2022): February 2022
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v3i1.246

Abstract

Stress is a psychological symptom that we often encounter in everyday life, where every individual must have experienced it. Students as a milestone in the success of a nation are required to be able to adapt to the environment quickly. This study aims to determine whether there is academic stress on student learning outcomes at the University of Muhammadiyah Lamongan, Faculty of Economics and Business, Management Study Program. This type of research is observational with a crosssectional design. The population in this study were all students of the 2019/2020 and 2020/2021 Management Study Programs with a total population of 173 people. The sampling technique used was total sampling from the population. The method of data collection was done by distributing questionnaires to respondents. Furthermore, statistical tests were carried out using the chi square test with 0.05. Based on the research results show that; 1) stressors from academic stress Management study program students in semester 5 and 3 have high gains. This means that students feel that MBKM's academic activities make them feel stressed. More specifically, the greatest stressor is caused by pressure from learning and self-expectations that are not met, 2) Student learning outcomes in the implementation of the independent learning curriculum are included in the sufficient category. That is, cognitive competence or knowledge, affective or feeling, and psychomotor or skills obtained from MBKM are not too high or not too low. 3) The relationship between academic stress and student learning outcomes is positive and significant. It means. the higher the degree of student academic stress, the lower the learning outcomes, and vice versa, and 4) the implementation of MBKM from the student's point of view has a good impact on their self-development. However, in order for the implementation to take place optimally, students, lecturers, and stakeholders can work together in preparing to participate in the next MBKM, such as formulating the implementation of the MBKM more clearly and carefully, as well as equipping students with the skills to learn independently.
Co-Authors Abdul Majid Abdullah, Addina Haque Adi Lukman Hakim Adi Lukman Hakim Agustino, Muhammad Rizqi Assadam, Elvina Bait, Jennifer Farihatul Devi Febrianti Devi Ristian Octavia ELASARI DWI PRATIWI, ELASARI DWI Elliv Hidayatul Lailiyah Erna Nur Faizah Faizah, Erna Nur Guruh Marhaenis Handoko Putro Hakim, Adi Lukman Ira Megasyara Irianto, Ellen D. Oktanti Jennifer Farihatul Bait Mafruudloh, Naajihah Maghfiroh, Lailatul Fitriana Khusliyah Mas’adah, Ninik Maura, Ikrana Shafa Muchyidin, M Syaichul Noer Rafikah Zulyanti Pratama, Reza Anggara Primanitha Ria Utami Putro, Guruh Marhaenis Handoko Rafikah Zulyanti, Noer Rahmawati, Rizka Asna Rizky Wahyudha Rosiawan Rizky Wahyudha Rosiawan Rochmah, Sofi Machmudatul Rudi Wibowo Salma Nur Azizah Syah, Imran Umar, Nonda Elyzza Wihandaru, Wihandaru