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All Journal Indonesian Community Service and Empowerment Journal (IComSE) Jurnal Syntax Fusion : Jurnal Nasional Indonesia Jurnal Inovasi Masyarakat Journal of Business and Management Inaba EKOBIMA Ekonomi Bisnis dan Manajemen Jurnal Adiguna Pengabdian Masyarakat
Septiani, Nisa
STIE Gema Widya Bangsa
Arts Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengelolaan Keuangan Untuk Mencegah UMKM Financial Distress Rukun Warga 10 Antapani Kidul Bandung Nisa Raudatul Janah; Nisa Septiani; Wiwit Pawitri
Jurnal Inovasi Masyarakat Vol. 4 No. 1 (2024): Jurnal Inovasi Masyarakat
Publisher : LP2M Universitas Widyatama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33197/jim.v4i1.1909

Abstract

Kegiatan pengabdian kepada masyarakat ini dilakukan untuk meningkatan pengetahuan dan kemampuan dalam pengembagan usaha serta pengelolaan keuangan bagi UMKM kalangan rumah tangga untuk mencegah kegagalan keuangan UMKM (UMKM Financial Distress), Target dari pengabdian ini adalah memberikan pelatihan membuat pencatatan keuangan,laporan keuangan dan menyusun perencanaan pengembangan usaha dengan BMC (Business Model Canvas). Metode yang digunakan dalam PKM adalah metode ceramah, metode tutorial dan metode diskusi (FGD). Pembahasana materi-materi terkait pelatihan disampaikan melalui metode ceramah, kemudian metode tutorial langsung dilaksanakan dengan praktik secara langsung. Serta metode diskusi (FGD) sebagai sarana dalam menyampaikan permasalahan yang dihadapi peserta. Hasil dari kegiatan PKM ini secara keseluruhan sangat baik dan memuaskan. Komponen yang berhasil dicapai dalam pelaksanaan kegiatan ini yaitu tercapainya tujuan kegiatan serta tercapainya target materi pelatihan yang sesuai dengan rencana.
Pengaruh Harga dan Kualitas Produk terhadap Loyalitas Pelanggan Septiani, Nisa
Jurnal Syntax Fusion Vol 1 No 06 (2021): Jurnal Syntax Fusion: Jurnal Nasional Indonesia
Publisher : CV RIFAINSTITUT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54543/fusion.v1i10.87

Abstract

Menurut pengamatan pada tahun lalu, banyak perkembangan toko fashion muslim di Bandung meningkat pesat. Kompetisi toko pakaian Muslim di wilayah Bandung juga meningkat pesat. Penelitian ini mencoba untuk mengungkapkan beberapa formulasi masalah yaitu: (1) Mengetahui harga produk menurut konsumen PT Shafira Corporation, (2) Mengetahui kualitas produk menurut konsumen PT Shafira Corporation, (3) mengetahui loyalitas pelanggan menurut konsumen PT Shafira Corporation, (4) mengetahui dan menguji efek kualitas produk terhadap loyalitas pelanggan menurut nasabah PT Shafira Corporation, (5) untuk mengetahui dan menguji efek harga dan kualitas produk terhadap loyalitas pelanggan sesuai dengan pelanggan PT Shafira Corporation. Metode yang digunakan adalah metode deskriptif. Penelitian desain menggunakan Desain Korelasional. Metode pengumpulan data termasuk wawancara, kuesioner, dan pengamatan. Analisis data menggunakan Uji Validitas, Uji Keandalan, Tes Asumsi Klasik, Tes Normalitas, dan Tes Multikolinearitas. Analisis regresi menggunakan Regresi Linier Berganda. Penelitian dilakukan di Outlet Shafira Buah Batu Cabang Bandung. Populasi adalah konsumen dari PT Shafira Corporation. Sampel diambil menggunakan convenience sampling berjumlah 150 konsumen
The Influence of Perceived Ease of Use on Online Purchasing Decisions on E-Commerce Shopee in Solokanjeruk District, Bandung Regency Fadillah, Sugiharto; Septiani, Nisa; Janah, Nisa Raudatul
Journal of Business and Management Inaba Vol. 3 No. 1 (2024): Volume 3 Number 1, June 2024
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/jbmi.v3i01.253

Abstract

The Shopee E-Commerce application is an online buying and selling site and is one of the e-commerce sites currently developing in Indonesia, including in the Solokanjeruk District area. Even though online shopping has numerous benefits, the complexity of using the website itself, in this case an online shopping site, can be something that can confuse users. So, this research aims to determine the influence of Perceived Ease of Use on online purchasing decisions at Shopee E-Commerce in Solokanjeruk District, Bandung Regency. Knowing the ease of use of Shopee will increase sales at the Shopee marketplace. The method used in this research is quantitative using associative descriptive research. With a population of Shopee application users in Solokanjeruk District of 16,254 people. The sampling technique used was probability sampling with simple random sampling and using the Slovin formula to obtain a sample of 100 respondents. The research results show that Perceived Ease of Use has a significant influence on online purchasing decisions at Shopee E-Commerce in Solokanjeruk District, Bandung Regency. From these results it can be concluded that the null hypothesis is rejected, and the alternative hypothesis is accepted so that "Perceived Ease of Use has a significant influence on online purchasing decisions in E-Commerce in Solokanjeruk District, Bandung Regency"
The Pemberdayaan Masyarakat Melalui Edukasi Pembuatan Lilin Aromaterapi Dari Minyak Jelantah Sebagai Upaya Penguatan Ekonomi Kreatif Berbasis Lingkungan Septiani, Nisa; Rahayu, Wati; Raudatul Janah, Nisa; Roni Rohmat, Asep
Jurnal Adiguna Pengabdian Masyarakat Vol 2 No 1 (2025): Jurnal Adiguna Pengabdian Masyarakat Juli 2025
Publisher : Universitas Bhakti Kencana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70410/japm.v2i1.46

Abstract

Pengelolaan limbah, khususnya minyak jelantah, masih menjadi permasalahan lingkungan yang belum tertangani secara optimal. Kegiatan pengabdian kepada masyarakat ini dirancang sebagai respons terhadap permasalahan tersebut, dengan tujuan mengubah limbah rumah tangga yang sering diabaikan menjadi produk bernilai ekonomis. Pembuangan minyak goreng bekas secara sembarangan berkontribusi pada pencemaran lingkungan dan risiko kesehatan, sementara potensi masyarakat dalam mengelola limbah ini secara produktif belum dimanfaatkan secara maksimal. Program ini bertujuan untuk mendidik dan melatih masyarakat melalui pendekatan ekonomi kreatif yang berkelanjutan. Salah satu bentuk inovasi yang dikenalkan adalah produksi lilin aromaterapi berbahan dasar minyak jelantah, sebagai solusi praktis dan ramah lingkungan. Kegiatan dilakukan melalui kampanye kesadaran, pelatihan teknis pembuatan lilin, serta pendampingan kewirausahaan. Sasaran utama program ini adalah ibu rumah tangga dan pelaku usaha mikro yang memiliki ketertarikan terhadap pengelolaan limbah dan pengembangan usaha kecil berbasis kerajinan. Hasil pelaksanaan menunjukkan tingginya keterlibatan peserta serta peningkatan signifikan dalam pengetahuan dan keterampilan mengolah minyak jelantah menjadi produk bernilai jual. Selain itu, peserta juga menunjukkan motivasi yang kuat untuk mengembangkan usaha mandiri yang berorientasi pada keberlanjutan lingkungan. Program ini berkontribusi pada penguatan kapasitas masyarakat dalam mendukung kemandirian ekonomi dan pengelolaan limbah berbasis kreativitas lokal.
PEMBERDAYAAN PEKERJA MIGRAN DI SINGAPURA MELALUI DIGITALISASI PENGELOLAAN KEUANGAN DAN PENGEMBANGAN UMKM Septiani, Nisa
Indonesian Community Service and Empowerment Journal (IComSE) Vol. 6 No. 2 (2025): Indonesian Community Service and Empowerment Journal (IComSE)
Publisher : Divisi Pengabdian dan Pemberdayaan Masyarakat (DP2M) UNIKOM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/icomse.v6i2.17253

Abstract

This Community Engagement Program aims to empower Indonesian migrant workers in Singapore by enhancing their financial literacy and digital-based business management skills. Despite their significant economic potential, many migrant workers face limitations in managing personal finances and preparing for economic sustainability after working abroad. This program provides practical training in financial record-keeping, budgeting, and the use of digital technology to support the development of Micro, Small, and Medium Enterprises (MSMEs). The methods employed include interactive workshops, case-based training, and hands-on assistance in using digital financial applications. The results indicate an increased understanding among participants regarding the importance of separating personal and business finances, as well as improved ability to prepare simple financial reports digitally. This initiative not only promotes economic self-reliance among migrant workers but also strengthens their contribution to national development through digital entrepreneurship. The program is expected to serve as a model for empowering the Indonesian diaspora through financial and technological literacy.
Foreign Exchange Reserve Management And Economic Stability : A Case Study of Indonesia in Facing the Global Economic Slowdown Nisa Septiani; Iwan Setiawan; Riani Winarni
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.2913

Abstract

This study aims to analyze the role and management strategies of foreign exchange reserves in maintaining Indonesia’s economic stability amid the global economic slowdown. The global slowdown, driven by geopolitical uncertainty, monetary policy tightening, and financial market volatility, has exerted pressure on developing countries, including Indonesia, through trade, exchange rate, and capital flow channels. This study employs a qualitative approach with a case study method, utilizing secondary data from reports of the International Monetary Fund (IMF), World Bank, and publications from Bank Indonesia. Data analysis is conducted using content analysis. The results show that the global economic slowdown has led to declining export performance, exchange rate volatility, and fluctuations in capital flows in Indonesia. In this context, foreign exchange reserves play a strategic role as a shock absorber in mitigating external pressures. However, their effectiveness is determined not only by the level of reserves but also by adaptive and prudent management strategies. This study highlights that economic stability is also influenced by the synergy between monetary and fiscal policies, as well as the strengthening of the domestic economic structure.
Exploration Of Paylater Usage Behavior And Its Implications For Financial Distress Vulnerability Among University Students Nisa Septiani; Wati Rahayu; Iwan Setiawan
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.2914

Abstract

This study aims to explore the behavior of Buy Now Pay Later (BNPL) usage and its implications for Financial Distress among university students. A qualitative exploratory approach was employed to gain an in-depth understanding of students’ financial behavior in the context of digital credit. Data were collected through semi-structured in-depth interviews with students who actively use paylater services and analyzed using thematic analysis. The findings indicate that paylater usage is largely driven by consumptive needs, supported by ease of access, payment flexibility, and lifestyle influences. Students often perceive paylater as a practical financial solution; however, they tend to exhibit overconfidence in their future repayment capacity. This leads to less prudent financial decisions and increases the risk of financial imbalance. The study also finds that such behavior may result in Financial Distress, reflected in cash flow difficulties, delayed payments, and rising financial pressure. Nevertheless, the level of vulnerability varies depending on individual factors such as financial literacy, self-control, and social environment. The study concludes that paylater usage is not merely a financial tool but a behavioral phenomenon. Strengthening financial literacy and self-control is therefore essential to mitigate Financial Distress risks among students.
The Integration Of Financial Technology, Financial Literacy, And Self-Control In Shaping Financial Well-Being: A Behavioral Finance Approach Among Millennials Nisa Septiani; Dina Yulia Wijaya; Riani Winarni
Journal of Business and Management Inaba Vol. 5 No. 1 (2026): Volume 5 Number 1, June 2026
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/f3pbqw61

Abstract

Digital financial platforms are becoming an important part of millennials’ daily financial activities, influencing how they make transactions and manage their finances. Although fintech offers convenience and accessibility, its increasing use is also associated with consumptive behavior and impulsive financial decision-making. This research focuses on understanding how technological, cognitive, and behavioral factors contribute to financial well-being among millennials. A phenomenological qualitative design was utilized to obtain deeper insights into millennials’ financial experiences in the digital era. Data was collected through in-depth interviews with millennials who actively use fintech services such as e-wallets, pay later facilities, and digital investment platforms. Selected participants who met the research criteria were involved in the study, and thematic interpretation was utilized to understand issues connected to financial behavior and financial well-being. The study indicates that fintech utilization simplifies digital financial activities, although excessive use may stimulate impulsive spending when individuals have limited financial understanding and weak behavioral regulation. Financial literacy contributes to improving the quality of financial decision-making, Individuals with stronger self-control tend to be more capable of controlling spontaneous spending behavior. Furthermore, the study demonstrates that financial well-being is formed through the interaction among technological, cognitive, and psychological factors. Millennials who are able to balance fintech utilization with financial understanding and behavioral control tend to exhibit better financial stability and financial well-being. The research offers an integrative perspective regarding financial behavior in digital financial environments. The findings also provide practical implications for improving financial literacy and promoting responsible fintech usage among millennials.
Kriya Mekar: Inovasi Produk Lokal Kriya Bambu Untuk Meningkatkan Minat Generasi Muda Desa Mekarsari, Kecamatan Selaawi, Kabupaten Garut Wati Rahayu; Nisa Raudatul janah; Nisa Septiani; Yana Mulyana
Jurnal Adiguna Pengabdian Masyarakat Vol 2 No 2 (2026): Jurnal Adiguna Pengabdian Masyarakat Januari 2026
Publisher : Universitas Bhakti Kencana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70410/japm.v2i2.47

Abstract

Kriya bambu moderen adalah salah satu kerajinan yang memiliki nilai ekonomis tinggi. Selain ramah lingkungan, berbagai manfaat dapat dirasakan oleh para pengguna kerajinan ini. Berbagai inovasi kerajinan telah dikembangkan dalam rangka meningkatkan minat masyarakat terhadap kriya bambu. Namun, kurang populernya hasil kerajinan bambu modern di tengah Masyarakat menjadi salah satu penyebab turunnya minat Masyarakat terhadap kerajinan ini. Indonesia yang didominasi oleh penduduk usia produktif, kurang familiar dengan alat-alat rumahtangga tradisional terutama yang terbuat dari bambu. Mereka lebih cenderung menyukai peralatan modern yang dianggap lebih praktis. Penurunan minat terhadap kriya bambu berpengaruh secara signifikan terhadap penurunan pendapatan para pengrajin bambu. Untuk meningkatkan minat dan daya saing kerajinan bambu, dilakukan kegiatan pengabdian masyarakat di Desa Mekarsari, Kecamatan Selaawi, Kabupaten Garut dengan harapan mampu meningkatkan pengetahuan para pengrajin bambu tentang cara pemesaran modern melalui sosial media serta meningkatkan keperdulian generasi muda terhadap kerajinan bambu (Kriya Bambu).Tujuan program ini adalah untuk melatih para pengrajin bambu agar mampu memaksimalkan peggunanan media sosial yang sudah dimiliki agar dapat digunakan sebagai salah satu media pemasaran yang efektif. Pelatihan digital marketing berupa pelatihan membuat akun media sosial, cara melakukan foto produk, pemasaran efektif dan cara membuat konten menjadi focus materi yang diberikan pada para pengrajin. Selain itu dilakukan pendampingan digital marketing yang berkelanjutan dengan selalu melakukan evaluasi. Peningkatan minat generasi muda terhadap kriya bambu modern dapat dilihat dari peningkatan daya jual pengrajin bambu. Berdasarkan evaluasi yang dilakukan. Didapatkan hasil bahwa pasar para pengrajin bambu semakin meluas. Kebanyakan pembeli berasal dari kalangan genersi muda.
Co-Authors Dina Yulia Wijaya Fadillah, Sugiharto Iwan Setiawan Nisa Raudatul Janah Rahayu, Wati Raudatul Janah, Nisa Riani Winarni Roni Rohmat, Asep Wati Rahayu Wiwit Pawitri Yana Mulyana