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Dinamika Resistensi dan Adopsi QRIS pada UMKM Makassar: Analisis Kualitatif dengan Pendekatan Teori Nudge Zaimar, Fina Ruzika; Adriansyah, Adriansyah; Haruna, Hasisa; Windarsari, Wiwin Riski; Ridha, Achmad
Jurnal Liabilitas Vol 10 No 2 (2025): Volume 10 No.2, Agustus 2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Satya Negara Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54964/liabilitas.v10i2.508

Abstract

This study aims to explore the dynamics of resistance and adoption of the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) in Makassar City using a qualitative approach and the Nudge Theory framework. This study focuses on an in-depth understanding of the factors that encourage and hinder QRIS adoption, by exploring the perspectives of both user and non-user businesses. Data were obtained through in-depth interviews with 10 MSMEs in the culinary sector and analyzed using thematic analysis methods. The results show that the decision to adopt QRIS is influenced by factors such as ease of access (simplification), social influence (social norm), default option settings(default option), information visibility (salience), the way of conveying information (framing), and providing feedback (feedback). Conversely, resistance to QRIS is driven by limited digital literacy, a lack of understanding of the benefits, and concerns about the risks of digital transactions. This finding confirms the relevance of Nudge Theory in explaining MSME decision-making behavior. This research contributes to the development of behavior-based strategies to promote digital financial inclusion in the MSME sector. Keywords: QRIS, MSMEs, Nudge Theory, Technology Resistance, Digital Financial Inclusion
Peran Pendidikan Kewirausahaan dan Literasi Keuangan terhadap Minat Berwirausaha Mahasiswa Prodi Kewirausahaan Universitas Negeri Makassar Haruna, Hasisa; Dwiyanti, Dwiyanti
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 4 No. 2 (2025): September 2025
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v4i2.217

Abstract

Penelitian ini bertujuan untuk mengeksplorasi peran pendidikan kewirausahaan dan literasi keuangan terhadap minat berwirausaha mahasiswa Program Studi Kewirausahaan Universitas Negeri Makassar. Berbeda dengan mayoritas penelitian terdahulu yang menggunakan pendekatan kuantitatif, studi ini mengadopsi metode kualitatif dengan desain fenomenologis untuk menggali pengalaman subjektif mahasiswa. Data diperoleh melalui wawancara semi-terstruktur terhadap sepuluh mahasiswa yang dipilih secara purposive sampling, kemudian dianalisis menggunakan teknik analisis tematik. Hasil penelitian menunjukkan bahwa pendidikan kewirausahaan mampu membentuk pola pikir kreatif dan keberanian mahasiswa dalam mencoba usaha, sedangkan literasi keuangan memberikan fondasi kepercayaan diri melalui kemampuan mengelola modal, menyusun perencanaan keuangan, dan menilai risiko bisnis. Kedua aspek ini terbukti saling melengkapi dalam menumbuhkan minat berwirausaha mahasiswa. Penelitian ini juga menemukan bahwa keterbatasan modal, rasa takut gagal, serta minimnya pendampingan menjadi hambatan utama yang dihadapi mahasiswa, sehingga menegaskan pentingnya dukungan ekosistem kewirausahaan kampus. Secara teoretis, penelitian ini memperkaya literatur kewirausahaan berbasis kualitatif dengan menegaskan relevansi Theory of Planned Behavior, Human Capital Theory, dan konsep entrepreneurial ecosystem. Secara praktis, hasil penelitian merekomendasikan perlunya integrasi kurikulum kewirausahaan dan literasi keuangan, serta penguatan dukungan institusional untuk mendorong minat berwirausaha menjadi aksi nyata.
Peran Guru dalam Menumbuhkan Karakteristik Wirausaha pada Siswa SMK Melalui Pembelajaran Kewirausahaan Tahir, Sumiati; Tahir, Thamrin; Tahir, Muhammad Ilyas Thamrin; Syam, Agus; Haruna, Hasisa
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 4 No. 2 (2025): Jurnal Manajemen, Akuntansi, Ekonomi (September)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v4i2.1616

Abstract

This study aims to analyze the role of teachers in fostering entrepreneurial characteristics among Vocational High School (SMK) students through entrepreneurship learning. The background of this study lies in the high unemployment rate among SMK graduates, indicating a gap between vocational education objectives and labor market demands. A qualitative descriptive approach was employed, with data collected through in-depth interviews, classroom observations, and documentation, then analyzed using Miles, Huberman, and Saldaña’s interactive model. The findings reveal that teachers play strategic roles in three main dimensions: motivators, facilitators, and role models. As motivators, teachers inspire entrepreneurial interest through motivational stories and direct encouragement. As facilitators, they provide experiential learning such as project-based learning and small business simulations. As role models, teachers with real business experience act as authentic examples for students. However, the study also identifies structural challenges, including limited practice facilities, low parental support, and weak collaboration with industry. The results highlight that entrepreneurship education should not only focus on cognitive knowledge but also emphasize attitudes, values, and entrepreneurial skills. Practically, this study recommends stronger collaboration between schools, government, parents, and industry to reinforce the entrepreneurship education ecosystem in vocational schools.
Pengembangan Jiwa Berwirausaha Bagi Ibu-Ibu Rumah Tangga Melalui Pembuatan Asinan Viral: Pengembangan Jiwa Berwirausaha Bagi Ibu-Ibu Rumah Tangga Melalui Pembuatan Asinan Viral Dwiyanti; Hasisa Haruna; Amaliah, Rezeki; Aslindawaty, Nur; Hamran
MAMMIRI: JURNAL PENGABDIAN MASYARAKAT Vol. 1 No. 3 (2024): October 2024
Publisher : Education and Talent Development Center Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/mammiri.v1i3.2349

Abstract

This program is implemented in the Green Marannu Land Housing Complex, Bontomarannu District, Gowa Regency. Bontomarannu District is one of the villages that produces quite abundant rambutan fruit, but there are many mangoes that are still underutilized so that an initiative emerged to run an entrepreneurial training program in utilizing rambutan fruit into pickles that are currently viral. With this activity, there are many benefits obtained by housewives in the Green Marannu Land Housing Complex who initially could not take advantage of opportunities, finally became enthusiastic about deepening their knowledge about entrepreneurship. Furthermore, our hope as speakers for housewives is to be able to implement the results obtained.
Pelatihan Digital Marketing Bagi Pemilik Rumah Kost Jalan Arung Sanrego Kota Makassar Menggunakan Piktochart: Digital Marketing Training for Boarding House Owners on Jalan Arung Sanrego, Makassar City Using Piktochart A. Reski Almaida Dg Macenning; Hardiyanti Hatibu; Hasisa Haruna; Novi Wulandari; Rifhani Handayani L
MAMMIRI: JURNAL PENGABDIAN MASYARAKAT Vol. 1 No. 3 (2024): October 2024
Publisher : Education and Talent Development Center Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/mammiri.v1i3.2419

Abstract

The rapid development of Makassar, particularly along the Arung Sanrego Street, has driven an increased demand for rental properties, particularly boarding houses, leading to intense competition among property owners. To succeed in this competition, an effective marketing strategy is required, one of which is digital marketing. This article aims to examine the application of digital marketing in the boarding house industry in Makassar, focusing on the utilization of digital platforms such as social media, websites, and property search applications. A training program was conducted for boarding house owners to enhance their understanding of digital marketing and the use of graphic design tools, such as Piktochart, to create attractive promotional materials. The results of the training showed a significant improvement in the participants' understanding of how to market their boarding houses effectively and efficiently, as well as expanding their market reach, even to other cities or provinces. Additionally, the training also had a positive impact on increasing the competitiveness of boarding house businesses, as owners were able to leverage data analytics to design more targeted marketing strategies. Overall, the implementation of digital marketing not only provides direct benefits to the boarding house owners but also contributes to the local economy through increased revenue and the creation of new jobs in the boarding house industry Keynote: Digitital Marketing, Piktochart,Kost
Integrasi Project-Based Learning (PjBL) dan Adversity Quotient dalam Meningkatkan Kesiapan Berwirausaha: Analisis Bibliometrik dan Systematic Literature Review Bakhtiar, Muhammad Ilham; Rosida, Vivi; Haruna, Hasisa; Satriadi, Satriadi; Syam, Suehartono; Verdian, Aldi Huda
Publikasi Pendidikan Vol 15, No 3 (2025)
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/publikan.v15i3.76928

Abstract

Penelitian bertujuan untuk menganalisis tren dan arah penelitian terkait Project-Based Learning (PjBL) dalam pendidikan kewirausahaan yang terindeks di Scopus. Secara khusus, tujuan penelitian meliputi: (1) mengidentifikasi tren publikasi PjBL dalam pendidikan kewirausahaan sepuluh tahun terakhir, (2) menelusuri perkembangan tren penelitian periode 2003–2025, (3) memetakan topik dominan dalam kajian PjBL dan kewirausahaan, (4) mengeksplorasi keterbatasan serta peluang riset masa depan, dan (5) merumuskan kerangka konseptual integrasi PjBL dan Adversity Quotient (AQ) dalam membentuk kompetensi kewirausahaan yang tangguh dan adaptif. Metode penelitian menggunakan pendekatan Systematic Literature Review (SLR) dengan pedoman PRISMA berbasis data Scopus yang menghasilkan 221 terbitan 2003-2025 sebagai artikel awal. Setelah penyaringan dengan kriteria inklusi–eksklusi, kemudian Analisis bibliometris menggunakan aplikasi RStudi , OpenRefine dan Biblioshny. Hasil penelitian menunjukkan tren publikasi meningkat signifikan sejak 2015 dan mencapai puncak pada 2024. Tema penelitian berevolusi dari fokus manajemen proyek ke integrasi pengalaman nyata, keterampilan abad ke-21, digitalisasi, Ethno-STEM, hingga self-efficacy sebagai landasan teoritis. Tantangan masih terlihat pada minimnya integrasi social enterprise, startup, dan kolaborasi global, terutama di negara berkembang. Namun, peluang riset terbuka pada inovasi digital, kurikulum berbasis proyek, serta perluasan jejaring internasional. Secara konseptual, integrasi PjBL dan AQ berpotensi membentuk kompetensi kewirausahaan kreatif, resilien, dan adaptif, relevan dengan tantangan pendidikan abad ke-21. 
Kekuatan Voice of Customer di Media Sosial: Dampaknya terhadap Respons dan Perbaikan CRM Perbankan Windarsari, Wiwin Riski; Zaimar, Fina Ruzika; Haruna, Hasisa; Ridha, Achmad; Mangga, Andi Rahmatullah
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 8 No. 2 (2025): Juli 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v8i2.4344

Abstract

Social media is increasingly serving as a primary channel for customers to voice their banking experiences, including complaints, questions, and appreciation. This study aims to analyze the power of Voice of Customer (VoC) on platform X and its impact on company responses and Customer Relationship Management (CRM) improvements. The study analyzed 1,456 posts from 998 unique accounts addressed to Bank C's official account during August 2025. The results showed that dominant complaints included failed transactions with balance deductions, application disruptions, OTP and verification issues, difficulties contacting customer service, and security and fraud issues. Company responses were generally directed to private channels (DM or phone) using template-based answers. However, personalization efforts were evident in innovative application features, such as transaction notifications, e-statements, and the Bank C keyboard. These findings confirm that VoC is not simply a source of complaints but also a strategic input that can drive system improvements and interaction quality. Practical implications include the need to strengthen social listening, improve the quality of personalized responses, and integrate VoC directly into CRM. The use of AI and automation can also support the initial response process, while maintaining human oversight for sensitive cases. This research was limited to a single banking institution, a single platform, and a specific period, so the results cannot be broadly generalized. Future studies are recommended to involve more institutions, communication channels, and take a longitudinal approach to assess the impact of CRM improvements on customer satisfaction and loyalty.
Membangun Pertumbuhan Berkelanjutan melalui Aliansi Strategis dan Inovasi Model Bisnis: Studi Eksplorasi dalam Industri Teknologi Indonesia Dwiyanti, Dwiyanti; Haruna, Hasisa
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 4 No. 3 (2025): November 2025
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v4i3.231

Abstract

Industri teknologi Indonesia telah mengalami ekspansi pesat yang didorong oleh transformasi digital, peningkatan adopsi konsumen, dan arus investasi. Namun, mempertahankan pertumbuhan jangka panjang tetap menjadi tantangan krusial akibat keterbatasan sumber daya, ketidakpastian regulasi, dan persaingan pasar yang semakin ketat. Studi ini mengeksplorasi bagaimana aliansi strategis dan inovasi model bisnis secara bersama-sama berkontribusi pada pertumbuhan berkelanjutan di antara perusahaan teknologi di Indonesia. Menggunakan desain kualitatif eksploratif, beberapa studi kasus dilakukan yang melibatkan perusahaan rintisan dan perusahaan mapan, dengan data dikumpulkan melalui wawancara semi-terstruktur, analisis dokumen, dan pengkodean tematik. Temuan penelitian mengungkapkan bahwa aliansi strategis memungkinkan perusahaan mengakses sumber daya eksternal, memperkuat jaringan distribusi, dan mempercepat penetrasi pasar, terutama bagi perusahaan rintisan dengan kapasitas internal terbatas. Sementara itu, inovasi model bisnis terutama model langganan, platform digital, dan perluasan ekosistem, membantu perusahaan menghasilkan pendapatan berulang dan meningkatkan keterlibatan pelanggan. Studi ini menyoroti sinergi yang kuat antara kedua strategi: aliansi menyediakan kapabilitas yang saling melengkapi, sementara model bisnis inovatif mengubah kapabilitas ini menjadi penciptaan nilai jangka panjang. Namun demikian, hambatan seperti resistensi internal terhadap perubahan, ketidakselarasan budaya antar mitra, dan lingkungan regulasi yang dinamis menghambat implementasi. Penelitian ini berkontribusi pada literatur manajemen strategis di pasar negara berkembang dengan menunjukkan bahwa pertumbuhan berkelanjutan tidak hanya memerlukan kolaborasi dan inovasi, tetapi juga kemampuan beradaptasi organisasi dan konsistensi strategis.
Pelatihan Pemanfaatan Platform Digital untuk Menumbuhkan Kewirausahaan Berkelanjutan Rakib, Muhammad; Halim, Nur; Isma, Andika; Haruna, Hasisa; Dewantara, Hajar
IPTEK: Jurnal Hasil Pengabdian kepada Masyarakat Vol 5, No 2 (2025): IPTEK: Jurnal Hasil Pengabdian kepada Masyarakat
Publisher : Univeristas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/iptek.v5i2.79641

Abstract

Abstrak. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan keterampilan peserta dalam memanfaatkan berbagai platform digital sebagai sarana untuk mengembangkan kewirausahaan yang berkelanjutan. Sasaran kegiatan ini adalah siswa SMA Negeri 11 Sidenreng Rappang yang memiliki minat dan potensi dalam bidang kewirausahaan. Metode pelaksanaan PKM ini dilakukan dalam dua pendekatan yaitu pelatihan dan pendampingan praktik langsung kepada mitra sasaran dan menggunakan metode ceramah, diskusi, demonstrasi, dan praktik langsung. Materi pelatihan tentang konsep dasar kewirausahaan berkelanjutan, pemanfaatan media sosial dan marketplace untuk promosi, e-commerce, cara membuat dan mengelola toko online serta pembuatan akun di platform e-commerce, platform digital, dan praktik atau simulasi promosi bisnis digital. Hasil kegiatan menunjukkan bahwa siswa memperoleh peningkatan pengetahuan dan keterampilan dalam memanfaatkan teknologi digital untuk mendukung kegiatan kewirausahaan. Siswa mampu memahami konsep kewirausahaan berkelanjutan, mengenal berbagai platform digital yang dapat digunakan untuk promosi dan penjualan, serta berlatih secara langsung membuat konten digital kreatif yang relevan dengan dunia usaha modern. Selain peningkatan kemampuan teknis, kegiatan ini juga berhasil menumbuhkan motivasi, kreativitas, dan rasa percaya diri siswa untuk mulai merintis ide bisnis secara mandiri. Pihak sekolah pun memperoleh manfaat berupa peningkatan minat dan partisipasi siswa dalam kegiatan kewirausahaan, serta munculnya gagasan untuk menjadikan kegiatan serupa sebagai program berkelanjutan di lingkungan sekolah. Kata Kunci: pelatihan, e-commerce, platform digital, kewirausahaan, berkelanjutan
Purr-suasion in Action: How Catvertising BoostsBrand Recall through Cognitive Fluency Achmad Ridha; Hasisa Haruna; Fina Ruzika Zaimar; Wiwin Riski Windarsari; Adriansyah
Journal of Economics and Management Technologies Vol. 1 No. 3 (2025): Journal of Economics and Management Technologies
Publisher : Candela Edutech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63288/jemtech.v1i3.12

Abstract

The Objectives – This study investigates how catvertising, or the strategic use of cat imagery in social-media advertising, influences brand recall through the mediating role of cognitive fluency. The research aims to understand how emotional engagement and cognitive simplicity jointly enhance advertising effectiveness in digital environments. The Methods/approaches – Using a quantitative, cross-sectional approach, data were collected from 100 active social-media users aged 18–35 in Makassar City, Indonesia. Respondents were exposed to simulated social-media advertisements containing or excluding cat imagery and subsequently completed a seven-point Likert-scale questionnaire measuring catvertising, cognitive fluency, and brand recall. Data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method, consisting of two stages: outer-model and inner-model evaluation. The Results – The results reveal that catvertising has a significant positive effect on brand recall, while cognitive fluency also enhances recall independently. However, the interaction effect between catvertising and cognitive fluency is not significant, indicating that emotional appeal and processing ease operate as parallel rather than moderating mechanisms. The Research Implications – These findings contribute to the theoretical integration of affective and cognitive perspectives in digital advertising research and highlight the importance of emotionally resonant yet cognitively simple designs. For practitioners, the study emphasizes the managerial relevance of incorporating familiar and emotionally appealing visuals to strengthen brand memorability in competitive social-media contexts.