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All Journal Jurnal Ekonomi Modernisasi JURNAL KEBANGSAAN Jurnal Sosioteknologi Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Technomedia Journal Journal of Secretary and Business Administration OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi JIKA: Jurnal Ilmu Keuangan dan Perbankan Almana : Jurnal Manajemen dan Bisnis Journal of Innovation in Business and Economics The International Journal of Business Review (The Jobs Review) eCo-Buss Jurnal E-Bis: Ekonomi Bisnis JIIP (Jurnal Ilmiah Ilmu Pendidikan) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Ekonomi JDEP (Jurnal Dinamika Ekonomi Pembangunan) Jurnal ADAM : Jurnal Pengabdian Masyarakat International Journal of Accounting & Finance in Asia Pasific Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Enrichment: Journal of Multidisciplinary Research and Development Journal of Business Management and Economic Development Journal of Community Service and Society Empowerment Jurnal Akademik Pengabdian Masyarakat Government & Resilience Journal of Digital Community Services Multidisciplinary Indonesian Center Journal Jurnal Pengabdian Indonesia JAMARI : Jurnal Pengabdian Masyarakat Mandiri JAMARI : Jurnal Pengabdian Masyarakat Mandiri Jurnal Sekretaris & Administrasi Bisnis Journal of Social Science Utilizing Technology
Budi Rustandi Kartawinata
Universitas Telkom
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Indonesian Private University Students’ Entrepreneurial Intention Pradana, Mahir; Kartawinata, Budi Rustandi
APMBA (Asia Pacific Management and Business Application) Vol. 9 No. 2 (2020)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2020.009.02.3

Abstract

The study focuses on the entrepreneurship education at a private business school in Indonesia due to the accelerate impact through the country economy that by implementing entrepreneurship education, one of the factors driving entrepreneurial growth in a country is the higher education institutions' role. The study took places at Telkom University, Indonesia, by surveying 458 business school students. The data analysed using a path analysis technique with SmartPLS ver. 3. Our result shows that the factors affecting entrepreneurial orientation show significant and positive effects which eventually cause a similar effect on entrepreneurial intention. Therefore, higher education institutions, especially business schools, should consider these factors as driving forces towards entrepreneurial intention. Practical implications for the development of the entrepreneurship curriculum also drawn in this study.   
IMPLEMENTASI SOPHOS INTERCEPT X SEBAGAI APLIKASI KEAMANAN PERANGKAT DIGITAL PADA KOMUNITAS POS PAUD PANDANWANGI BANDUNG Akbar, Aldi; Kartawinata, Budi Rustandi
Jurnal Pengabdian Indonesia (JPI) Vol. 2 No. 1 (2026): Vol. 2 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/jpi.v2i1.1949

Abstract

Maraknya kepemilikan perangkat digital khususnya smartphone di tiap individu memudahkan dalam kebutuhan akan informasi dan bertranksaksi. Namun tidak banyak yang menyadari pentingnya keamanan pada smartphone mereka. Untuk itu maka kegiatan pengabdian masyarakat ini diadakan bukan hanya berupa edukasi namun sekaligus tutorial praktis menginstal aplikasi keamanan perangkat digital menggunakan Sophos Intercept X. Penelitian ini adalah penelitian kualitatif yang menggunakan pendekatan normatif, grup diskusi, dan simulasi di komunitas Pos PAUD Pandanwangi Kota Bandung. Studi ini menemukan bahwa masih banyak peserta yang membutuhkan pemahaman dan panduan praktis tentang penggunaan aplikasi anti malware di perangkat digital mereka. Melalui kegiatan ini maka level literasi keamanan anti malware di kalangan peserta menjadi lebih baik dari sebelumnya.
Comparative Analysis of Cryptocurrency in Forms of Bitcoin, Stock, and Gold as Alternative Investment Portfolio in 2014' 2017 Radinka Dynand Mahessara; Budi Rustandi Kartawinata
Jurnal Sekretaris dan Administrasi Bisnis Vol 2 No 2 (2018): Jurnal Sekretaris dan Administrasi Bisnis
Publisher : LPPM Universitas Taruna Bakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31104/jsab.v2i2.58

Abstract

This research is based on the phenomenon of new investment instrument called Cryptocurrency-Bitcoin which becomes popular in recent years. Based on that phenomenon, this research tries to search which is the best investment instrument from three instruments such as Bitcoin, stocks, and gold. The research method used is quantitative method with the type of research is comparative descriptive. In this study, the authors use Sharpe, Treynor and Jensen index approach to evaluate the performance. This study intends to do a comparison from the index using the data of the investment instrument in the period of January 2014 to August 2017. The study sample was taken from price result from every investment instrument during the period of study. The result shows that Bitcoin is the best instrument because based on Sharpe, Treynor, and Jensen value the return is better than the other two instruments.
Analyzing the use of quick response (QR) payment: Impulsive purchase as a behavioral finance effect Budi Rustandi Kartawinata; Aldi Akbar
Journal of Innovation in Business and Economics Vol. 9 No. 02 (2025): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v9i01.34486

Abstract

This study examines the widespread use of quick response (QR) or barcode payments in Indonesian society, focusing on their impact on impulsive buying behavior. As mobile payment methods become increasingly prevalent, understanding their influence on consumer behavior—particularly impulsive purchasing—has become increasingly important. This research employs a quantitative approach, incorporating surveys and consumer interviews. The findings indicate that consumers who use QR payments are more likely to engage in impulsive spending. Additionally, the availability of QR payment options is identified as a significant factor influencing impulsive buying behavior. Furthermore, the accessibility features of QR payment systems are found to have a substantial impact on impulsive purchase decisions.
The Influence of Financial Performance and ESG on Firm Value with Firm Size as Moderator Ika Nur Avinda; Agus Maolana Hidayat; Budi Rustandi Kartawinata
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 8, No 2 (2025): June 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v8i2.4003

Abstract

Firm value illustrates how investors and the market view the company's ability to effectively manage its resources effectively. There are several factors that influence firm value, including financial performance, ESG, and firm size. This research aims to assess the impact of financial performance, ESG, and firm size on firm value, along with the role of firm size in influencing the relationship between financial performance and ESG on firm value. The analytical approach employed in this research is moderated regression analysis (MRA). The sample for this research includes firms engaged in the coal sector that are listed on the Indonesian Stock Exchange (IDX) from 2021 to 2023. Based on purposive sampling, 16 companies were selected. The results of the research indicate that there is a significant partial influence of financial performance, as measured by ROA, CR, and DER, on firm value. ESG disclosure also significantly influences firm value, and firm size also significantly influences firm value. Additionally, firm size, which is also used as a moderating variable, moderates the relationship between liquidity and firm value, as well as leverage and firm value. Through simultaneous testing, the independent variables and interaction variables significantly influence firm value.
Analysis of Gender Diversity in the Board of Commissioners and Its Influence on the Profitability of State-Owned Enterprises (SOEs) in Indonesia Budi Rustandi Kartawinata; Diki Wahyu Nugraha; Aznul Fazrin Abu Sujak
Government & Resilience Vol. 4 No. 1 (2026): Government & Resilience (April 2026)
Publisher : Dealings Foundation Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62503/gr.v4i1.60

Abstract

This study examines the association between gender diversity on the Board of Commissioners and the financial performance of Indonesian State-Owned Enterprises (SOEs) listed on the Indonesia Stock Exchange (IDX) over the 2020–2024 period. Grounded in Resource Dependence Theory and Agency Theory, a quantitative explanatory approach was applied to a balanced panel dataset of 125 observations from 26 SOEs. Profitability was proxied by Return on Assets (ROA), while firm size, leverage, and firm age served as control variables. Panel data regression using the Fixed Effects Model (FEM) was employed, with robust standard errors clustered at the firm level. The results reveal that gender diversity—specifically the proportion of female commissioners—has a statistically significant positive association with ROA (β = 1.7654, p < 0.05), whereas the dummy variable for the mere presence of women is positive but not statistically significant (p = 0.063). This finding suggests that the extent of female representation matters more than token presence. The study concludes that gender diversity in Indonesian SOEs is not merely a compliance mechanism but is positively associated with enhanced profitability. However, given the observational design and potential endogeneity concerns (Durbin-Wu-Hausman test p = 0.233), findings are reported as associations rather than causal effects. These results offer critical insights for policymakers in emerging markets to evaluate the effectiveness of gender diversity mandates beyond formalistic tokenism and provide a foundation for future research exploring mediating mechanisms such as board dynamics and risk committee effectiveness.
ANALYSIS OF THE ROLE OF PERCEIVED USEFULNESS AND PERCEIVED EASE OF USE IN THE RELATIONSHIP BETWEEN FINANCIAL BEHAVIORAL BIASES AND BITCOIN INVESTMENT DECISIONS AMONG GENERATION Z USERS OF TOKOCRYPTO AND INDODAX Silvi Amisha Putri; Budi Rustandi Kartawinata; Agus Maolana Hidayat
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1843

Abstract

This study aims to analyze the role of perceived usefulness (PU) and perceived ease of use (PEOU) in mediating the relationship between financial behavioral biases—namely financial literacy (FL), overconfidence (OC), and risk tolerance (RT)—and Bitcoin investment decisions among Generation Z in Indonesia, using the Tokocrypto and Indodax platforms. Employing a quantitative approach with a survey of 360 active Generation Z investors, data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings indicate that financial literacy, risk tolerance, PU, and PEOU have a direct positive and significant effect on Bitcoin investment decisions. Overconfidence, however, showed no significant direct effect. Furthermore, PU and PEOU partially mediated the relationships between financial literacy and investment decisions, as well as between risk tolerance and investment decisions. Notably, PEOU emerged as the strongest mediating pathway, particularly for risk tolerance. Conversely, neither PU nor PEOU mediated the relationship between overconfidence and investment decisions. This research contributes theoretically by integrating Behavioral Finance theory with the Technology Acceptance Model (TAM) in the context of high-risk digital assets. Practically, it offers insights for platform developers to enhance user experience and design targeted financial education, and for regulators to formulate behaviorally-informed investor protection policies.
THE INFLUENCE OF TRUST AND RISK ON THE USE OF QRIS WITH FRAUD ISSUES AS A MODERATING VARIABLE IN BANDUNG Indah Kusprasetya; Budi Rustandi Kartawinata; Aldi Akbar
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1908

Abstract

The development of digital payment systems has driven the increasing use of the Indonesian Standard Quick Response Code (QRIS) as a practical and integrated cashless transaction method. Although QRIS adoption continues to increase, its continued use is still influenced by trust, perceived risk, and the prevalence of fraud in digital transactions. This study aims to analyze the influence of trust and risk on QRIS use, with fraud as a moderating variable, in the city of Bandung. This study used a quantitative approach with a survey of 200 QRIS user respondents. The data analysis technique used was Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results showed that trust had a positive and significant effect on QRIS use, while risk had a negative and significant effect. Furthermore, fraud moderated the relationship between trust and QRIS use by weakening the influence of trust, and moderated the relationship between risk and QRIS use by strengthening the influence of risk. These findings confirm that although QRIS offers convenience and efficiency, perceptions of risk and fraud remain crucial factors influencing usage behavior. This research is expected to provide theoretical contributions to the development of digital payment technology adoption models and provide practical implications for regulators, payment service providers, and MSMEs in strengthening security, improving digital literacy, and building user trust in the QRIS payment system.
DETECTION OF FINANCIAL TARGET, FINANCE STABILITY AND EXTERNAL PRESSURE FACTORS ON FRAUDULENT FINANCIAL REPORTING WITH MARKET CAPITALIZATION AS A MODERATOR VARIABLE IN MANUFACTURING COMPANIES Monika Yovita; Budi Rustandi Kartawinata; Aldi Akbar
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.1914

Abstract

This study aims to analyze the effect of Financial Target, Financial Stability, and External Pressure on Financial Statement Fraud, with Market Capitalization as a moderating variable, in manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the period 2017–2019. The research employs a quantitative approach using panel data regression analysis with the Common Effect Model (CEM) and the Moderated Regression Analysis (MRA) technique. The data were obtained from the financial statements of manufacturing companies that met the sampling criteria over a three-year observation period. The results indicate that Financial Target (ROA) has a positive and significant effect on financial statement fraud. Financial Stability (INVSAL and CATA) also shows a significant effect but in different directions: INVSAL increases, while CATA decreases the likelihood of fraudulent financial reporting. External Pressure (FREEC) has a negative and significant effect on financial statement fraud. The moderating variable, Market Capitalization, was found to strengthen the effect of CATA and weaken the effect of INVSAL on financial statement fraud. The R² value of 17.52% indicates that the research model explains a moderate portion of the variation in financial statement fraud among manufacturing firms in Indonesia. These findings support Agency Theory and the Fraud Triangle Theory, suggesting that financial pressure, stability, and external conditions play a crucial role in influencing the occurrence of financial statement fraud.
SOSIALISASI LITERASI FINTECH MELALUI HARMONISASI PERAN BANK INDONESIA DALAM MENDUKUNG KEBERLANJUTAN BISNIS UMKM DI ERA SOCIETY 5.0 Sita Deliyana Firmialy; Akhmad Yunani; I Nyoman Bontot; Budi Rustandi Kartawinata
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i6.8097

Abstract

The rapid development of financial technology (fintech) in the era of Society 5.0 presents both opportunities and challenges for Micro, Small, and Medium Enterprises (MSMEs) in achieving business sustainability. Although the adoption of digital financial services continues to increase, the level of fintech literacy among MSMEs remains relatively low, potentially leading to risks in financial management and business decision-making. This community service program aims to enhance fintech literacy through the harmonization of the roles of Bank Indonesia with academics, industry partners, and community stakeholders in supporting MSME business sustainability. The program employed a participatory applied research approach using a hybrid method that combined offline and online activities. The activities included needs assessment, fintech literacy socialization, lectures, and participatory discussions involving representatives from Bank Indonesia, MSME actors, academics, students, and other relevant stakeholders. The results indicate an improvement in participants’ understanding of fintech concepts, the benefits and risks of digital financial services, and the importance of responsible and sustainable fintech utilization. The harmonization of roles among stakeholders proved effective in strengthening educational outcomes and increasing MSMEs’ awareness of prudent digital financial practices. This program is expected to serve as an initial collaborative model for strengthening fintech literacy to support sustainable business development in the Society 5.0 era.
Co-Authors Achmad Fariz Aditya Wardhana Aditya Wardhana Agung Raya Agung Raya Agus Maolana Hidayat Ahmad Maulana Lotian Ahmad, Mokhtarrudin Akhmad Yunani Aldi Akbar Aldi Akbar Apriano, Raditya Arif Kuswanto Aznul Fazrin Abu Sujak Bagus Novrianto Candra Wijayangka Citra, Khansa Fairuz Deden Witarsyah Diki Wahyu Nugraha Dyah Maharani Dyah Maharani Elfarida Waty, Virgine Untari Faqih Hamami Farida Fajar Hidayati Fauzan Aziz Fauzia Rahman Hanansa R Dabinda Hidayati, Farida Fajar Hidayati, Farida Fajar Hiendra Kurniawan I Nyoman Bontot Ika Nur Avinda Indah Kusprasetya Jasinda Salsabila Nugrahani Karyadi Mahendra Fakhri Mahir Pradana Mangsor, Miza Monika Yovita Muhammad Hasan Rabbani Muhammad Ikhwan Mubaraq Mutiara, Nidia Ananda Nia Fitria Nurhalisa Nidia Ananda Mutiara Novarianty, Terisha Andra Nuslih Jamiat Pratiwi, Oktaria Nurul Radinka Dynand Mahessara Razali, Raja Razana Raja Rizki , Kurniady Safitri, Annisa Salma Aprilia Siahaan, Theresia Yolaika Silvi Amisha Putri Sita Deliyana Firmialy Sujak, Aznul Fazrin bin Abu Susanto Hendiarto Syah Putra, Syah Syahputra Syahputra Syahputra, Syahputra Syarifuddin Syarifuddin Theresia Yolaika Siahaan Treshya Setya Maharani Wijayanti, Nur Zahid, Azham