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All Journal Jurnal Manajemen 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
Damayanti, Rosita Mei
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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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.
Co-Authors Ambarwati, Valents Carollina Yuliani Ayuninggar, Lintang Christiawan, Jaguar Dwi Pratama Diah Pramesti Endang Martini Martin, Endang Moch Faizhal Dzaky Pramest, Diah Pramesti, Diah Prameswary, Melinda Intan Pratama, Rohmawan Adi Rosdaliva, Mehilda Utami, Eva Yuniarti Yulianti, Deva Putri Yuninata, Dama