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All Journal International Journal of Artificial Intelligence Research Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Economic, Bussines and Accounting (COSTING) Jurnal Ilmiah Ecosystem Dinasti International Journal of Management Science Management Studies and Entrepreneurship Journal (MSEJ) Vox Populi Economics and Digital Business Review Journal of Economics and Business UBS Indonesian Journal of Business and Management AJAD : Jurnal Pengabdian kepada Masyarakat Al-Buhuts (e-journal) Golden Ratio of Auditing Research Jurnal Akuntansi Dan Bisnis Indonesia (JABISI) Al-MIKRAJ: Jurnal studi Islam dan Humaniora Golden Ratio of Data in Summary Golden Ratio of Taxation Studies JIPITI: Jurnal Pengabdian kepada Masyarakat Access: Journal of Accounting, Finance and Sharia Accounting Atestasi : Jurnal Ilmiah Akuntansi Study of Scientific and Behavioral Management (SSBM) Jurnal Pengabdian dan Inovasi Masyarakat
Sapiri, Muhtar
Universitas Bosowa
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Pelatihan Penggunaan Chatbot Berbasis AI untuk Konsultasi Keuangan Usaha secara Mandiri Sapiri, Muhtar
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 1 (2026): APRIL 2026
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v6i1.790

Abstract

Dependence on professional financial consultants remains a persistent barrier for most SME owners, particularly those operating with limited resources and minimal exposure to formal financial education. The rapid development of Artificial Intelligence (AI) has created a concrete opportunity to address this gap — not through expensive systems, but through accessible tools such as AI-based chatbots. This community service program was designed to strengthen financial literacy and business self-reliance among SME owners through structured training on AI chatbot usage as a financial consultation medium. The program was carried out in three stages: training sessions, direct hands-on practice, and guided mentoring. A pre-test and post-test assessment was administered to measure knowledge gains across four indicators — financial literacy, AI concept comprehension, chatbot operation skills, and financial decision-making. Results show substantial improvement across all indicators, with the sharpest gains recorded in chatbot operation (114%) and AI comprehension (95%). Participants also reported greater confidence in managing daily financial records and making structured business decisions. These findings suggest that AI-based chatbot training is a viable, low-cost approach to accelerating the digital shift of SMEs in Indonesia.
Implikasi Desentralisasi Fiskal dan Tata Kelola Anggaran terhadap Kesejahteraan Masyarakat Melalui Alokasi Anggaran dan Kapasitas Ekonomi: (Studi Kasus Provinsi Sulawesi Barat) Hardianto Hardianto; Tubagus Ismail; Muhtar Sapiri
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.4719

Abstract

The implementation of a particular government service or function is no longer dominated by one party (namely the government). This means that the partnership and cooperation process must be further encouraged by reducing the role of government on the one hand, and strengthening the role of the private sector and society on the other hand. The aim of this research is to determine the influence of fiscal decentralization, budget allocation, economic capacity on community welfare, determine the influence of fiscal decentralization on community welfare through budget allocation and economic capacity, determine the influence of budget governance on community welfare through budget allocation and economic capacity in Sulawesi Province West. This research uses a quantitative approach, with a case study of local governments in the West Sulawesi Province which includes six districts. The data collection technique is carried out by document study, using secondary data originating from related agencies or from websites through internet browsing and other documentation. The data analysis technique uses SmartPLS analysis. The findings show that fiscal decentralization has a negative impact on community welfare. Budget governance has a negative influence on community welfare. Budget allocation can influence an increase in community welfare. Economic capacity can improve community welfare. Budget allocation can mediate the effect of fiscal decentralization on community welfare. Economic capacity can mediate the effect of fiscal decentralization on community welfare. Budget allocation cannot mediate the influence of budget governance on community welfare, while economic capacity can mediate the influence of budget governance on community welfare, especially in West Sulawesi Province.
Analisis Pengaruh Employee Empowerment, Kecerdasan Intelektual dan Komunikasi Interpersonal terhadap Kinerja Aparatur Sipil Negara Melalui Motivasi Kerja dan Kepuasan Kerja Kiraman Kiraman; Muhtar Sapiri; Wahyu Maulid Adha
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.4769

Abstract

The aim of this research is to analyze the influence of employee empowerment, intellectual intelligence, interpersonal communication, work motivation and job satisfaction on the performance of State Civil Apparatus, the influence of employee empowerment, intellectual intelligence and interpersonal communication on the performance of State Civil Apparatus through work motivation and job satisfaction at the KPU Office West Sulawesi Province. Data collection techniques through distributing questionnaires with data analysis techniques using Smartpls 3.2.9. The research results found that employee empowerment had a positive and significant influence on ASN performance, intellectual intelligence and interpersonal communication had a negative and insignificant influence on ASN performance, work motivation and job satisfaction had a positive and significant influence on ASN performance. The results of the mediation test show that work motivation can mediate the influence of employee empowerment and intellectual intelligence on ASN performance, work motivation cannot mediate the influence of interpersonal communication on ASN performance. Then job satisfaction can mediate the influence of employee empowerment and intellectual intelligence on ASN performance, while job satisfaction cannot mediate the influence of interpersonal communication on ASN performance at the KPU office of West Sulawesi province.
PERAN KEMAMPUAN PELATIHAN PASAR MODAL DALAM MENINGKATKAN MINAT INVESTASI Muhtar Sapiri; Dipa Teruna Awaludin; Andi Primafira Bumandava Eka; Kampono Imam Yulianto; Puspa Rini
Jurnal Akuntansi Dan Bisnis Indonesia (JABISI) Vol. 7 No. 1 (2026): Jurnal Akuntansi Dan Bisnis Indonesia (JABISI)
Publisher : Program Studi Akuntansi Institut Bisnis dan Informatika (IBI) Kosgoro 1957

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55122/jabisi.v7i1.2050

Abstract

Perkembangan pesat digitalisasi dan kemudahan akses investasi melalui platform online menuntut individu tidak hanya memahami instrumen pasar modal tetapi juga memiliki kompetensi teknologi yang memadai. Namun, akses informasi yang tinggi tidak selalu mengarah pada peningkatan minat investasi tanpa pelatihan yang terstruktur dan praktis. Studi ini bertujuan untuk menganalisis pengaruh literasi pasar modal, literasi teknologi, dan motivasi investasi terhadap minat investasi di pasar modal, dengan peran moderasi dari kemampuan pelatihan pasar modal. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei di antara responden yang tertarik pada investasi pasar modal. Data dianalisis menggunakan Structural Equation Modeling (SEM) berdasarkan Partial Least Squares (PLS) untuk menguji hubungan langsung dan efek moderasi antar variabel. Hasil menunjukkan bahwa literasi pasar modal, literasi teknologi, dan motivasi investasi memiliki pengaruh positif dan signifikan terhadap minat investasi. Lebih lanjut, kemampuan pelatihan pasar modal dapat memperkuat pengaruh literasi pasar modal, literasi teknologi, dan motivasi investasi terhadap minat investasi. Temuan studi ini diharapkan dapat memberikan kontribusi teoretis terhadap pengembangan model perilaku investasi dan memberikan implikasi praktis bagi lembaga pendidikan, regulator, dan penyedia pelatihan dalam merancang program pendidikan pasar modal yang lebih efektif dan adaptif terhadap teknologi.
Co-Authors -, Muh. Subhan Abduh, Thamrin Abdul Rachman Adinda Adinda Aditya Halim Perdana Kusuma Putra Putra Afdaliana, Andi Alfiana Alfiana Ami Pujiwati Amri, Nurfadhila Andi Primafira Bumandava Eka Ardiani Ika Sulistyawati Arifin Arifin Ashanti, Eka Ayu Budiastuti, Susanti Chahyono, Chahyono DEWI PURNAMA Dipa Teruna Awaloedin Djoko Rahardjo Fadilman Thalib Guntoro, Guntoro Hadi, Amnah Haeruddin Hamzah, Fyrdha Faradyba Hardianto Hardianto Haryani, Stefani Elia Made Herni Utami Rahmawati Indra Setiawan Indrayani Nur Jaspin, Sri Wahyuni Jumalang, Astuti Desti Kampono Imam Yulianto karim , Abdul Kasim, Risya Zahrani Kiraman Kiraman Lorent Tombi Mahmud, Misra Muhammad Yusuf Saleh Muklis Muklis Murtiadi Awaluddin Natsir, Fitrah Syahbrina Nur Fadhila Amri Nur, Fira nur, Indrayani Nurdyanto, Sapto Dwi Nurhidayanti S. Nurhidayanti, Nurhidayanti Nurul Hasanah Pigome, hoseo Puspa Rini Putro, Rizki Listyono Rahmah MH, A'isya Mulia Rahmat Hidayatullah Rahmi Rahmi Randalembang, Abigael Rauf, Andi Saiful Remmang , Hasanuddin Reny, Andi Ruth Reskiyani, Ayumita Ridwan, Muh Ruslan, Muhlis Setiawan , Lukman Setiawan, Adil Setiawan, Lukman Sijal, Mutakallim Suryanto, Erik Syamsuddin, Indah Thanwain, Thanwain Tubagus Ismail Wahyu Maulid Adha Yunus, Muh. Kafrawi Yunus, Muhammad Kafrawi Zaidin, Arifin Zara Tania Rahmadi