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All Journal Jurnal Manajemen Teknologi Jurnal Keuangan dan Perbankan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Manajemen Indonesia Jurnal Riset Akuntansi dan Keuangan Jurnal SOLMA J-MKLI (Jurnal Manajemen dan Kearifan Lokal Indonesia) MABIS: Manajemen dan Bisnis Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi Al-Kharaj: Journal of Islamic Economic and Business Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmu Manajemen Universitas Tadulako (JIMUT) Jurnal AbdiMas Nusa Mandiri Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Media Akuatika: Jurnal Ilmiah Jurusan Budidaya Perairan Jurnal Kolaboratif Sains Jurnal Ilmu Manajemen Advantage Golden Ratio of Finance Management Jurnal Riset Manajemen dan Ekonomi JPNM : Jurnal Pustaka Nusantara Multidisiplin Riset Ilmu Manajemen Bisnis dan Akuntansi Maslahah: Jurnal Manajemen dan Ekonomi Syariah Sasambo: Jurnal Abdimas (Journal of Community Service)
Darman, Darman
Program Studi Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Tadulako Palu, Sulawesi Tengah, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Pengaruh Sikap Keuangan, Lingkungan Sosial Dan Kontrol Diri Terhadap Pengelolaan Keuangan Mahasiswa Rantau Di Kabupaten Morowali : The Effect of Financial Attitudes, Social Environment and Self-Control on Financial Management of Overseas Students in Morowali Regency Arzeti; Munawarah; Darman; Rian Risendy
Jurnal Kolaboratif Sains (Special Issue) - Jurnal Kolaboratif Sains (JKS) - Oktober 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i10.8897

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh sikap keuangan, lingkungan sosial, dan kontrol diri terhadap pengelolaan keuangan mahasiswa rantau di Kabupaten Morowali. Mahasiswa rantau dihadapkan pada berbagai tantangan finansial karena harus mengatur keuangan sendiri jauh dari keluarga. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner, dan dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa sikap keuangan, lingkungan sosial, dan kontrol diri secara parsial maupun simultan berpengaruh positif dan signifikan terhadap pengelolaan keuangan. Sikap keuangan yang positif membantu mahasiswa membuat anggaran dan menabung, sementara lingkungan sosial dapat memengaruhi perilaku keuangan secara langsung. Kontrol diri memungkinkan mahasiswa untuk menghindari belanja impulsif dan membuat keputusan yang bijak dalam penggunaan dana.
PELATIHAN DIGITAL MINDSET & TRANSFORMASI USAHA DI ERA 5.0 KEPADA PELAKU USAHA DAN MAHASISWA WIRAUSAHA Rizkiani Iskandar; Mohammad Yunus Kasim; Djayani Nurdin; Vitayanti Fattah; Darman Darman; Pricylia Chintya Dwi Buntuang; Asriadi Asriadi; Ayu Putri Utami; Hesti Evrianti
Jurnal AbdiMas Nusa Mandiri Vol. 8 No. 2 (2026): Periode April 2026
Publisher : LPPM Universitas Nusa Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33480/abdimas.v8i2.7931

Abstract

This community service program aims to strengthen digital mindsets and encourage business transformation in the Society 5.0 era for local business owners and student entrepreneurs in Palu City. The activity was designed as a participatory workshop that integrated the presentation of the Society 5.0 concept (a super-intelligent society that places humans at the center of technology-based innovation) and digital mindset (an adaptive way of thinking that utilizes digital technology as part of a long-term business strategy) with hands-on practice using digital applications for marketing and business management. Evaluation was conducted through pre- and post-tests, satisfaction questionnaires, and observations of 50 participants. The results showed an increase in the average score of understanding digital mindsets from 68,20 to 85,40, with 85% of participants stating that the activity was very beneficial and 75% stating that they were ready to implement business digitalization strategies. Student entrepreneur participants showed faster adaptation to digital applications compared to senior business owners, who still needed further mentoring. These findings indicate that strengthening digital mindsets combined with practical training has the potential to effectively encourage gradual digital-based business transformation and increase entrepreneurial competitiveness in Palu City in the Society 5.0 era.
DETERMINAN FIRM VALUE: PERAN FINANCIAL LEVERAGE, FINANCIAL PERFORMANCE, DAN ENVIRONMENTAL, SOCIAL, AND GOVERNANCE (ESG) PADA PERUSAHAAN SEKTOR PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2022–2025 Tilawatil Ciseta Yoda; Yefri Reswita; Nanda Nanda; Silvy Astari; Darman Darman; Sisi Amalia
Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi Vol 12, No 1 (2026): VOLUME XII NO.1 OKTOBER 2026
Publisher : Jurnal Menara Ekonomi : Pelatihan dan Kajian Ilmiah Bidang Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/me.v12i1.8664

Abstract

Penelitian ini bertujuan menganalisis determinan firm value: peran financial leverage, financial performance, dan environmental, social, and governance (esg) pada perusahaan sektor pertambangan yang terdaftar  di bursa efek indonesia periode 2022–2025. Penelitian menggunakan pendekatan kuantitatif dengan metode purposive sampling. Sampel penelitian terdiri atas 19 perusahaan dengan total 70 observasi. Data sekunder diperoleh dari laporan tahunan dan laporan keberlanjutan perusahaan, kemudian dianalisis menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa secara parsial financial leverage berpengaruh positif dan signifikan terhadap firm value, financial performance tidak berpengaruh signifikan terhadap firm value, sedangkan ESG berpengaruh negatif dan signifikan terhadap firm value. Secara simultan, financial leverage, financial performance, dan ESG berpengaruh signifikan terhadap firm value. Nilai koefisien determinasi (r²) sebesar 0,197 menunjukkan bahwa ketiga variabel independen mampu menjelaskan 19,7% variasi firm value, sedangkan 80,3% dipengaruhi oleh faktor lain di luar model penelitian. temuan ini memberikan implikasi bahwa struktur pendanaan dan implementasi ESG menjadi faktor yang perlu diperhatikan dalam meningkatkan nilai perusahaan pada sektor pertambangan. Kata Kunci: Financial Leverage; Financial Performance; Environmental, Social, and Governance; Firm Value; Perusahaan Pertambangan 
The impact of QRIS on transaction efficiency, income growth, and financial management in Palu MSMEs Muh. Rangga Saputra; Juliana Kadang; Darman Darman; Rian Risendy
Manajemen dan Bisnis Vol 25, No 1 (2026): March 2026
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/mabis.v25i1.1036

Abstract

This study aims to examine the effect of QRIS implementation on transaction efficiency, income growth, and financial management of micro, small, and medium enterprises (MSMEs) in Palu City. The data were collected through questionnaires completed by 91 MSME owners and analyzed using SmartPLS. The results indicate that QRIS makes a meaningful contribution to accelerating transaction processes and improving service convenience. The implementation of QRIS has also been shown to increase income by attracting more customers and boosting sales turnover. Furthermore, QRIS assists business owners in managing their finances more systematically through automatic transaction records and clearer cash flow monitoring. These findings confirm that QRIS plays an important role in supporting MSME performance in the digital era.
Fintech : Mapping the Performance of Peer to Peer Lending Credit in Indonesia Reskiyah Reskiyah; Darman Darman; Munawarah Munawarah; Rian Risendy
Jurnal Ilmu Manajemen Advantage Vol. 9 No. 1 (2025): June 2025
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/adv.v9i1.1464

Abstract

The era of Globalization 5.0 drives technological innovation across various sectors, including financial services, with the emergence of Financial Technology (FinTech). Peer-to-peer lending (P2P Lending), one of the FinTech products, has become a popular alternative for financing in Indonesia. This study aims to analyze the growth of P2P Lending users, credit performance by region, and the causes of credit defaults. A quantitative descriptive method is employed with a population of 98 P2P Lending platforms registered with the Financial Services Authority (OJK) as of July 2024. Data are analyzed using growth ratio and Non-Performing Loan (NPL) ratio, with findings categorized across six archipelagic regions in Indonesia. The results indicate significant growth in the number of P2P Lending users, particularly in Java. However, this growth raises a high risk of credit defaults, mainly due to the use of loans for consumptive purposes. This study underscores the importance of public financial literacy in managing credit risks to optimize the sustainable benefits of P2P Lending.
Co-Authors Adelina Adelina Agung Azzul Haq Andi Awalia Ramadhani Anisah Anisah Annisaa Maharani Anugerah Anugerah Arzeti Asriadi Asriadi Ayu Putri Utami Daniel Happy Putra Destriana Safitri Erwan Sastrawan Erwan Sastrawan Farid Farid Farid Fatlina Fatlina Z Febiastini, Ni Made Ferdiansyah Ferdiansyah Harnida Wahyuni Adda Hesti Evrianti I Nengah Oka Smara Putra Idris Idris IRA NURIYA SANTI Irma Yanti Juliana Kadang Mohammad Reza Alfarid Yantu Mohammad Yunus Kasim Muh. Akbar Maulana Muh. Rangga Saputra Muhammad Idris Muhammad Idris Munawara Munawara Munawarah Munawarah Munawarah Munawarah Munawarah Munawarah, M. Muslimin Muslimin Muslimin Muslimin Muslimin Muslimin Muzakir Nanda Nanda Nita Amelia Nurdalema NURDIN, DJAYANI Oce Astuti Patta Tope Pricylia Chintya Dewi Buntuang Pricylia Chintya Dwi Buntuang Putri Dea Rizky Reskiyah Reskiyah Reswita, Yefri Rian Risendy Rian Risendy Rian Risendy Rida Andriani Risendy, Rian Rizkiani Iskandar Sagitha, Tiara Silvy Astari Sisi Amalia Siti Halima Nur Aini Sri Wahyuni Sri Wanti Suryadi Samudra Syamsul Bachri Syamsul Bachri Tutik Mardiani Vitayanti Fattah Wiri Wirastuti Wiri Wirastuti  Zakiyah Zahara  Wiri Wirastuti