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All Journal Jurnal Manajemen Jurnal Ilmu Ekonomi dan Pembangunan Social, Humanities, and Educational Studies (SHEs): Conference Series Sebelas Maret Business Review Kumawula: Jurnal Pengabdian Kepada Masyarakat West Science Journal Economic and Entrepreneurship Velocity: Journal of Sharia Finance and Banking Indonesian Journal of Applied Accounting and Finance RESWARA: Jurnal Riset Ilmu Teknik Economics Note
Damayanti, Rosita Mei
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PENINGKATAN LITERASI LEMBAGA KEUANGAN PADA PELAKU UMKM DI KAMPUNG WISATA BALUWARTI KOTA SURAKARTA Martini, *Endang; Ayuninggar, Lintang; Damayanti, Rosita Mei; Pramesti, Diah; Rosdaliva, Mehilda; Yulianti, Deva Putri; Prameswary, Melinda Intan; Ambarwati, Valents Carollina Yuliani
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 3 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i3.48824

Abstract

 Sektor keuangan memanfaatkan perkembangan teknologi dengan melakukan inovasi berupa FinTech, yaitu inovasi dengan konsep digitalisasi pembayaran. FinTech terdiri dari P2P lending atau sering disebut pinjaman online, membuat pelaku pelaku usaha kecil dan menengah tertarik menggunakan layanan tersebut. Inovasi tersebut tidak dibarengi dengan pemahaman mengenai literasi lembaga keuangan khususnya pelaku usaha kecil dan menengah menyebabkan terjadinya 19,711 kasus pinjaman online illegal. Kegiatan pengabdian masyarakat bertujuan memberi pemahaman kepada pelaku usaha kecil dan menengah mengenai literasi lembaga keuangan. Dengan metode sosialisasi terkait dengan literasi lembaga keuangan kepada pelaku usaha kecil dan menengah di Kampung Wisata Baluwarti Kota Surakarta. Hasil kegiatan ini yaitu telah melakukan sosialisasi dan penyuluhan serta workshop dan pelatihan pengelolaan keuangan oleh tim pengabdian kepada masyarakat. Meskipun kegiatan ini telah selesai, tetapi monitoring dan evaluasi terus dilakukan secara berkelanjutan. The financial sector takes advantage of technological developments by innovating in the form of FinTech, namely innovation with the concept of digitizing payments. FinTech consists of P2P lending or often called online lending, making small and medium businesses interested in using the service. This innovation was not accompanied by an understanding of financial institution literacy, especially small and medium business actors, causing 19,711 cases of illegal online loans. Community service activities aim to provide understanding to small and medium business actors regarding financial institution literacy. Through the socialization method related to financial institution literacy to small and medium business actors in the Baluwarti Tourism Village, Surakarta City. The results of this activity were socialization and counseling as well as workshops and training on financial management by the community service team. Even though this activity has been completed, monitoring and evaluation continue to be carried out on an ongoing basis. 
The Effect of Bank Soundness Factors on Sharia Bank Performance in Indonesia Pramesti, Diah; Damayanti, Rosita Mei
Velocity: Journal of Sharia Finance and Banking Vol 3 No 2 (2023): November
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v3i2.1334

Abstract

This study examines the impact of bank soundness factors on the performance of Sharia banks in Indonesia using the Risk, Good Corporate Governance, Earning, Capital (RGEC) approach. This study is quantitative research and the data analysis technique used is a multiple linear regression analysis test, with the hypothesis test used as the t-test and the F-test. The population of this study is all Sharia commercial banks in Indonesia listed in OJK during the 2017-2022 period. The sample used in this study was selected using a purposive sampling method. The study concludes that Good Corporate Governance (GCG), Return on Equity (ROE), and Operating Costs to Operating Income (BOPO) have a significant impact on net income/loss. Furthermore, all RGEC variables have a simultaneous effect on bank performance, explaining half of the impact.
Factors Influencing Customer Loyalty at Bank Rakyat Indonesia Cash Office Panti Waluyo Hospital Surakarta: A Study on the BRImo Application Christiawan, Jaguar Dwi Pratama; Damayanti, Rosita Mei
AKUMULASI: Indonesian Journal of Applied Accounting and Finance Vol. 3 No. 2 (2024): December
Publisher : Vocational School, Universitas Sebelas Maret (UNS), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/z0584z42

Abstract

The lack of popularity of the BRImo application at the BRI Cash Office of Panti Waluyo Hospital in Surakarta serves as the background of this research. The aim of this research is to identify the factors that influence customer loyalty among BRImo users. The independent variables investigated in this research are system quality, user interface design, service quality, and security guarantees, while the dependent variable is user-customer loyalty. This research employed a quantitative approach, collecting data through a closed questionnaire utilizing a Likert scale. The sample consisted of 100 customers using the BRImo application at the PT Bank Rakyat Indonesia Cash Office in Pati Waluyo Hospital Surakarta. Data analysis was conducted using the SPSS software version 23.0. The results indicate that, when considered together, system quality, user interface design, service quality, and security guarantees have a significant effect on the customer loyalty of BRImo users. However, when analyzed individually, system quality and service quality do not significantly affect customer loyalty, whereas user interface design and security guarantees do have a significant impact on loyalty among BRImo users.
Bahasa Inggris Ayuninggar, Lintang; Pramest, Diah; Damayanti, Rosita Mei; Martin, Endang; Rosdaliva, Mehilda
Jurnal Manajemen Vol. 13 No. 2 (2023): JURNAL MANAJEMEN VOL. 13 NO. 2 DESEMBER 2023
Publisher : Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/jm.v13i2.4234

Abstract

Micro, small and medium enterprises in Indonesia run and managed mostly in traditional and conventional administration due to the limited digital literation and organizational management knowledge of the MSMEs. However, some of these MSMEs are scaling up by implementing management procedure and digital system. They carry out human resource practice into their operation along with digital system into their routine. The development is driven mainly by the new environment brought by the COVID-19 pandemic which force business entities to be ready for digital operation. This study examines the effect of digital readiness in moderating the relationship of human resource management practice and MSME’s performance. We surveyed 357 MSMEs in various fields, including culinary, clothing, crafts, and services through questionnaire to collect the data. As predicted, digital readiness moderates the relationship between human resource management practice and MSME’s organizational performance. However, the moderation effect is not as expected. Data suggests digital readiness negatively moderates the relationship of human resource management practice and MSME’s organizational performance.
The Effect of Livin' by Mandiri Application Service Quality on Customer Satisfaction: Study on PT Bank Mandiri (Persero) Tbk. Solo Damayanti, Rosita Mei; Diah Pramesti; Moch Faizhal Dzaky
AKUMULASI: Indonesian Journal of Applied Accounting and Finance Vol. 2 No. 2 (2023): December
Publisher : Vocational School, Universitas Sebelas Maret (UNS), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/akumulasi.v2i2.1128

Abstract

This research tries to understand the relationship between service quality and customer satisfaction on the Livin’ by Mandiri, a mobile-banking application of Bank Mandiri. The respondents are customers of the Bank Mandiri Solo UNS Branch office. The number of respondents is 100. The data were collected by questionnaire and test using SPSS 23. The result of this study shows that service quality factors such as tangibles, reliable, assurance, and empathy positively affect customer satisfaction. When the Livin’ by Mandiri application improves in terms of the tangibility, reliability, assurance, and empathy, customer satisfaction will increase. The variable of responsiveness has no significant effect on customer satisfaction. The subject of this research is an application that cannot literally become responsive to serve customers. This research result may be important as the policy implication for Bank Mandiri to make the customers able to use the application optimally.
Implementation of Balanced Scorecard in Corporate Strategic Management Utami, Eva Yuniarti; Damayanti, Rosita Mei; Pramesti, Diah; Yuninata, Dama; Pratama, Rohmawan Adi
West Science Journal Economic and Entrepreneurship Vol. 1 No. 02 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v1i02.266

Abstract

This study looks into how the Balanced Scorecard (BSC) was implemented in a West Javan manufacturing company and how it affected strategic management and organizational performance. A mixed-methods approach was used, integrating quantitative data obtained from surveys and performance measures with qualitative data from in-depth interviews and document analysis. The qualitative results draw attention to the intricate implementation process, which includes communication tactics, strategic goal-setting, and ongoing modification. Difficulties were noted, including resistance to change and worries about an increase in workload. Positive employee attitudes, greater alignment with company goals, and advancements in financial and operational measures are all indicated by the quantitative outcomes. The study offers insightful information to companies thinking about implementing BSC, highlighting the significance of open communication, staff involvement, and ongoing adaption for success.
Load Forecasting Analysis for Electrical Distribution Systems Using Time Series Methods Putra, Rizky Mahendra; Damayanti, Rosita Mei; Lopez, Juan Camilo
RESWARA: Jurnal Riset Ilmu Teknik Vol. 3 No. 3 (2025): RESWARA: Jurnal Riset Ilmu Teknik, July 2025
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/reswara.v3i3.405

Abstract

Accurate load forecasting plays a critical role in ensuring the reliability and efficiency of electrical distribution systems. Increasing load variability, the integration of renewable energy, and changes in consumption behavior have intensified forecasting complexity. This study analyzes the effectiveness of time series methods for load forecasting in electrical distribution systems through a structured literature-based analytical approach. The study reviews and synthesizes empirical findings from peer-reviewed journal articles, conference proceedings, and patents published between 2002 and 2025. The methods analyzed include classical statistical models such as ARIMA, SARIMA, ARIMAX, and exponential smoothing, as well as hybrid and advanced approaches including LSTM, Prophet, fuzzy time series, wavelet-based models, and probabilistic forecasting frameworks. The results indicate that classical time series models remain effective for short-term forecasting with stable patterns, while hybrid and machine learning-based time series models provide superior performance under high volatility and complex load dynamics. Studies consistently report improvements in forecasting accuracy, measured using RMSE, MAE, and MAPE, when external variables and hierarchical structures are incorporated. The findings highlight the continued relevance of time series analysis as a foundational approach for load forecasting, while emphasizing the need for adaptive and hybrid models to address modern distribution system challenges. This study contributes a systematic synthesis that supports methodological selection for researchers and practitioners in electrical load forecasting.
Digital Financial Inclusion and Its Impact on Icroenterprise Productivity in Indonesia Hadi, Anjasmara Pratama; Damayanti, Rosita Mei; Zheng, Yingqin
Economics Note Vol. 2 No. 1 (2026): Economics Note, January 2026
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/econote.v2i1.208

Abstract

Digital financial inclusion has become a critical driver of microenterprise development in emerging economies. In Indonesia, the rapid diffusion of fintech platforms, mobile banking, and digital payment systems has transformed how microenterprises access financial services. This study examines the impact of digital financial inclusion on microenterprise productivity in Indonesia. The research adopts a quantitative explanatory design using secondary data from national surveys and empirical findings from prior peer-reviewed studies. Data were analyzed through comparative synthesis and thematic integration of productivity indicators, including revenue growth, operational efficiency, and financial management capability. The results indicate that digital financial inclusion significantly enhances microenterprise productivity by improving access to capital, reducing transaction costs, and strengthening financial literacy. Fintech adoption and digital financial literacy emerge as key mediating factors. However, the study also identifies structural constraints, including uneven digital infrastructure, regulatory complexity, and low digital readiness among informal microenterprises. The findings reinforce financial intermediation theory and the technology acceptance model within the context of developing economies. This study contributes to the literature by providing an integrated empirical perspective on digital financial inclusion and microenterprise productivity in Indonesia. Policy implications highlight the need for inclusive digital finance regulation, targeted literacy programs, and infrastructure development to sustain microenterprise growth.
A STRATEGIC ROLE OF BPRS SRAGEN IN ENHANCING REGIONAL INCOME AND SUSTAINABLE FINANCE Rosdaliva, Mehilda; Pramesti, Diah; Damayanti, Rosita Mei; Martini, Endang
Jurnal Ilmu Ekonomi dan Pembangunan Vol 26, No 1 (2026): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jiep.v26i1.117305

Abstract

Sharia Rural Banks (BPRS) as Regionally-Owned Enterprises face the dual challenge of maximizing dividend contributions to Regional Original Revenue (PAD) while maintaining long-term financial sustainability. BPRS Sragen, 80.42% owned by the Sragen Regency Government, presents a strategic case for examining how regional Islamic financial institutions can optimize this dual role. This study aims to: (1) analyze ROI trends of BPRS Sragen from 2009 to 2024 as a measure of regional capital management efficiency; (2) identify internal and external strategic factors through SWOT analysis; (3) evaluate the pentahelix collaboration model involving government, academia, business, community, and media; and (4) assess the implementation of Net-Zero Bank principles as a sustainability commitment. A qualitative descriptive-analytical approach with a single case study strategy was employed. Quantitative secondary data from BPRS Sragen financial reports (2009–2024) were analyzed for ROI trends. Primary qualitative data were collected through semi-structured in-depth interviews with purposively selected informants, triangulated with internal documents and non-participant observation. Qualitative data were analyzed using Miles, Huberman, and Saldaña's interactive model. Findings indicate a consistent positive ROI trend over 16 years with dividend contributions exceeding regional targets. SWOT analysis reveals competitive strengths in local customer loyalty and government support, offset by threats from digital financial competition. Pentahelix collaboration is partially operational, with significant untapped potential in academic and media dimensions. Net-Zero Bank implementation remains nascent but aligns with Maqasid al-Shariah values. The convergence of financial efficiency, strategic planning, multi-stakeholder collaboration, and sustainability commitment positions BPRS Sragen as a replicable model for regional Islamic financial institutions. This integrative framework offers practical policy implications for BPRS governance reform across Indonesian regions, particularly in optimizing PAD contributions without sacrificing long-term sustainability.
Peningkatan Literasi dan Edukasi Perencanaan Keuangan dalam Keluarga dalam Upaya Preventif Masalah Keuangan Martini, Endang; Damayanti, Rosita Mei; Pramesti, Diah; Rosdaliva, Mehilda; Ayuninggar, Lintang; Safira, Laras; Anggraini, Viona Mega; Saputri, Saifa Syah Aris; Kumalaningrum, Vania Debby; Sukmawan, Cesar Adhin
Social, Humanities, and Educational Studies (SHES): Conference Series Vol 8, No 3 (2025): Social, Humanities, and Educational Studies (SHEs): Conference Series
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/shes.v8i3.107282

Abstract

Financial planning within the family is essential for achieving long-term financial stability and sustainability. Through effective planning, families can manage their income wisely, minimize financial risks, and ensure the fulfillment of future needs. This community service program aims to enhance family financial literacy, focusing on the prevention of financial problems and the development of skills to manage household finances more efficiently and effectively.The methods applied in this program included awareness-building sessions, training, and direct assistance to the members and leaders of the Family Welfare Empowerment (PKK) group in RW 12, Gentan Village, Baki District, Sukoharjo Regency. Participants were trained in recording, archiving, and documenting their financial transactions. The results of the program indicated that most participants had not yet adopted structured family financial planning. Many still struggled with debt issues and were unaccustomed to saving regularly. Nevertheless, participants expressed high enthusiasm and acknowledged that the training provided valuable insights and benefits in improving their household financial management.Perencanaan keuangan dalam keluarga penting untuk mencapai kestabilan dan keberlanjutan finansial jangka panjang. Melalui perencanaan yang efektif, keluarga dapat mengelola pendapatan dengan bijaksana, mengurangi risiko finansial, serta memastikan pemenuhan kebutuhan di masa depan. Tujuan program pengabdian kepada masyarakat ini adalah untuk meningkatkan literasi keuangan keluarga, dengan fokus pada pencegahan masalah keuangan serta pengembangan kemampuan dalam mengelola keuangan keluarga secara lebih efisien dan efektif. Metode yang diterapkan dalam kegiatan ini mencakup sosialisasi pengarahan, pelatihan, dan pendampingan langsung kepada pengurus dan anggota PKK di RW 12, Kelurahan Gentan, Kecamatan Baki, Kabupaten Sukoharjo. Peserta dilatih untuk melakukan pencatatan, pengarsipan, dan dokumentasi transaksi keuangan mereka. Hasil dari pelaksanaan kegiatan ini menunjukkan bahwa mayoritas peserta belum menerapkan perencanaan keuangan keluarga, sebagian besar masih menghadapi permasalahan utang dan belum terbiasa menabung. Meskipun demikian, peserta menunjukkan antusiasme yang tinggi dan mengungkapkan bahwa pelatihan ini memberikan pengetahuan dan manfaat dalam meningkatkan pengelolaan perencanaan keuangan keluarga. .
Co-Authors Ambarwati, Valents Carollina Yuliani Anggraini, Viona Mega Ayuninggar, Lintang Christiawan, Jaguar Dwi Pratama Diah Pramesti Endang Martini Hadi, Anjasmara Pratama Kumalaningrum, Vania Debby Lopez, Juan Camilo Martin, Endang Moch Faizhal Dzaky Pramest, Diah Pramesti, Diah Prameswary, Melinda Intan Pratama, Rohmawan Adi Putra, Rizky Mahendra Rosdaliva, Mehilda Safira, Laras Saputri, Saifa Syah Aris Sukmawan, Cesar Adhin Utami, Eva Yuniarti Versiandika Yudha Pratama Yulianti, Deva Putri Yuninata, Dama Zheng, Yingqin