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All Journal ETIKONOMI Journal of Economic, Bussines and Accounting (COSTING) Management Studies and Entrepreneurship Journal (MSEJ) JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Jurnal Abdi Masyarakat Indonesia International Journal of Management Science and Information Technology (IJMSIT) Jurnal Pengabdian Multidisiplin Journal of Multidisciplinary Science: MIKAILALSYS Jurnal Ilmiah Akuntansi dan Keuangan Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi WIKUACITYA: Jurnal Pengabdian Kepada Masyarakat
Koesoemasari, Dian Safitri Pantja
Fakultas Ekonomika Dan Bisnis, Universitas Wijayakusuma Purwokerto, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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DIGITAL MARKETING UNTUK MENINGKATKAN KINERJA USAHA MIKRO KECIL DAN MENENGAH Dian Safitri Pantja Koesoemasari; Cahyaningtyas Ria Uripi; Santi Suciningtyas
WIKUACITYA: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 1 (2022): WIKUACITYA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Wijayakusuma Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56681/wikuacitya.v1i1.29

Abstract

Tujuan pengabdian untuk memberikan pengetahuan dan wawasan tentang bauran pemasaran dan digital marketing untuk meningkatkan kinerja Usaha Mikro Kecil dan Menengah di Desa Karangkemiri Kecamatan Wanadadi Kabupaten Banjarnegara. Kegiatan pengabdian pada masyarakat dilaksanakan oleh Tim Pengabdian pada Masyarakat Fakultas Ekonomika dan Bisnis Universitas Wijayakusuma Purwokerto berupa pemberian pelatihan pada pemilik Usaha Mikro Kecil dan Menengah di Desa Karangkemiri, Wanadadi, Banjarnegara. Dalam memberikan pelatihan, metode yang dilakukan adalah ceramah praktek langsung, membuka diskusi dan tanya jawab dengan melibatkan peserta secara aktif dengan komunikasi dua arah tentang bauran pemasaran dan digital marketing untuk meningkatkan kinerja dan serta pelatihan pengembangan produk, penentuan harga jual, pengepakan dan pemberian merek serta pemasaran digital melalui sosial media dan market place. Dengan adanya pelatihan ini mereka terdorong untuk lebih kreatif membuat produk, menetukan harga jual dengan benar dan menggunakan media online untuk melakukan promosi karena telah mendapatkan pengetahuan tentang strategi bauran pemasaran dan digital marketing. Pemberian merek, pengepakan, promosi penjualan menggunakan internet menjadi faktor penting bagi pelaku usaha dalam memasarkan produknya. Hubungan yang baik pelaku usaha dengan penyalur menjadi hal yang sangat penting bagi keberhasilan kinerja pemasaran.
Intention to Use Digital Payment on Traditional Market: Unified Theory Approach Koesoemasari, Dian Safitri Pantja; Surveyandini, Mayla; Ananda Putri, Juvita; Romadhon, Sahrul
Fokus Bisnis Media Pengkajian Manajemen dan Akuntansi Vol. 24 No. 1 (2025): Fokus Bisnis (On Process)
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/00w4zr48

Abstract

The success of the national cashless action will occur if all levels of society are familiar with and interested in using it, especially at the most basic level, thats a traditional-markets. The theory used to explain is the unified theory of acceptance and use technology (UTAUT). UTAUT is more appropriate to use because it can explain the use of digital payments voluntary and mandatory. The population in this study were merchant in the Pasar Manis Purwokerto, totalling 512 merchants. The minimum research sample based on Isaac and Michael was obtained as many as 220 respondents, while the data processed were 222 respondents. Data were analysed using multiple linear regression. The results of this study can only prove that performance expectancy has a significant positive effect and social influence has a significant negative effect on the intention to use digital payments. These results illustrate that traditional market traders are still in the ‘early adopter’ stage in accordance with one of the supporting theories of UTAUT, namely the technology acceptance model (TAM). Social influence has a negative effect coming from buyers and people around traders not forcing them to use the digital payment.
The Effect of Bank Soundness Level on Dividend Policy Using the RGEC Method in the Banking Sector Listed on the Indonesia Stock Exchange Gita Terawati; Dian Safitri Pantja Koesoemasari; Harsuti Harsuti
Journal of Multidisciplinary Science: MIKAILALSYS Vol 4 No 2 (2026): Journal of Multidisciplinary Science: MIKAILALSYS
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/mikailalsys.v4i2.10824

Abstract

This study examines the effect of credit risk, liquidity risk, Good Corporate Governance (GCG), earnings, and capital on dividend policy, proxied by the Dividend Payout Ratio (DPR), among banking firms listed on the Indonesia Stock Exchange during the 2020–2024 period. The study is motivated by inconsistent empirical findings on the determinants of dividend policy, particularly in the banking sector, which operates under strict regulatory frameworks and has financial structures that differ from those of other industries. This study aims to analyze the effect of each determinant on dividend policy and identify the dominant factor influencing DPR. A quantitative approach was employed using panel data regression analysis. The sample consisted of banking firms listed on the Indonesia Stock Exchange during the study period. The analysis applied the Common Effect Model, Fixed Effect Model, and Random Effect Model, with model selection determined through the Chow and Hausman tests. Classical assumption testing and statistical significance testing were also conducted to ensure model validity and robustness. The findings show that, partially, only the Loan to Deposit Ratio (LDR) has a positive and statistically significant effect on DPR. In contrast, Non-Performing Loan (NPL), GCG, Return on Assets (ROA), and Capital Adequacy Ratio (CAR) do not have statistically significant effects on dividend policy. However, the simultaneous test indicates that all independent variables jointly have a significant effect on DPR. These findings suggest that dividend policy in the banking sector is primarily driven by intermediation efficiency and liquidity management rather than by risk exposure, governance mechanisms, profitability, or capital adequacy. This study concludes that liquidity is the key determinant of dividend policy in Indonesian banking firms. The study contributes to the literature on dividend policy determinants in regulated financial institutions and provides practical implications for bank management and investors by emphasizing liquidity indicators as critical considerations in dividend policy formulation and investment decision-making.
Intention to Use Digital Payment on Traditional Market: Unified Theory Approach Dian Safitri Pantja Koesoemasari; Mayla Surveyandini; Juvita Ananda Putri; Sahrul Romadhon
Fokus Bisnis Media Pengkajian Manajemen dan Akuntansi Vol. 24 No. 1 (2025): Fokus Bisnis
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/00w4zr48

Abstract

The success of the national cashless action will occur if all levels of society are familiar with and interested in using it, especially at the most basic level, thats a traditional-markets. The theory used to explain is the unified theory of acceptance and use technology (UTAUT). UTAUT is more appropriate to use because it can explain the use of digital payments voluntary and mandatory. The population in this study were merchant in the Pasar Manis Purwokerto, totalling 512 merchants. The minimum research sample based on Isaac and Michael was obtained as many as 220 respondents, while the data processed were 222 respondents. Data were analysed using multiple linear regression. The results of this study can only prove that performance expectancy has a significant positive effect and social influence has a significant negative effect on the intention to use digital payments. These results illustrate that traditional market traders are still in the ‘early adopter’ stage in accordance with one of the supporting theories of UTAUT, namely the technology acceptance model (TAM). Social influence has a negative effect coming from buyers and people around traders not forcing them to use the digital payment.
The Influence of Financial Literacy, Financial Anxiety, Fintech Payment, Financial Attitude, and Lifestyle on Students’ Financial Behavior in Purwokerto Diva Anur Pramesti; Siti Muntahanah; Dian Safitri Pantja Koesoemasari
International Journal of Management Science and Information Technology Vol. 6 No. 2 (2026): July - December 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i2.7937

Abstract

This study examines the influence of financial literacy, financial anxiety, fintech payments, financial attitude, and lifestyle on the financial behavior of undergraduate students in Purwokerto. Understanding the factors that shape students’ financial behavior is increasingly important in the digital era, where financial knowledge, psychological conditions, technological innovation, and consumption patterns collectively influence financial decision-making. This study contributes to the literature by providing empirical evidence on the combined effects of cognitive, psychological, technological, and behavioral factors on students’ financial behavior. A quantitative survey design was employed, and data were collected through structured questionnaires from 100 active undergraduate students who had completed at least their third semester using purposive sampling. The data were analyzed using multiple linear regression with IBM SPSS Statistics 25. The results indicate that the regression model is statistically significant (F = 76.858, p < 0.001) and explains 80.3% of the variance in students’ financial behavior (R² = 0.803). Financial literacy, fintech payments, financial attitude, and lifestyle have significant positive effects on financial behavior, whereas financial anxiety has a significant negative effect. These findings provide practical insights for universities and policymakers in developing effective financial education programs and promoting responsible financial decision-making among students. However, this study is limited by its use of purposive sampling and data collected from undergraduate students in a single geographic area, which may limit the generalizability of the findings. Future studies are recommended to examine additional determinants of financial behavior across broader populations and different educational contexts.
Co-Authors Abdullah, Muhammad Ikbal Achadi, Ady Ananda Putri, Juvita Andhi Johan Suzana Andi Chairil Furqan Asri Ady Bakri Cahyaningtyas Ria Uripi Diva Anur Pramesti Diva Aulia Putri Doddy Setiawan Ervan Susilowati Gita Terawati Harsuti, Harsuti Herwiek Diah Lestari Irvan Fajar Satria Irwan Trinugroho Irwan Trinugroho Isnaeni Rokhayati Jana Sandra Juvita Ananda Putri Juvita Putri Ananda Muntahanah, Siti Mutiara Naomi Juliantika Nirmala Nirmala Nugraha, Ginanjar Adi Pahlevi , Akabar Ratna Pujiastuti Ratna Pujiastuti Rizka Amalia Agustin Romadhon, Sahrul Sahrul Romadhon Santi Suciningtyas Satria, Irvan Fajar Sri Sundari Surveyandini, Mayla Syamsu Rijal Tommy Indra Gunawan Tulus Haryono Wardana, Rizyad Kusuma Wisnu Wijayanto Zumaeroh -