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All Journal Jurnal Mirai Management International Journal of Artificial Intelligence Research SEIKO : Journal of Management & Business JURNAL MANAJEMEN BISNIS Bubungan Tinggi: Jurnal Pengabdian Masyarakat Jurnal Manajemen Bisnis Prima Abdika: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Metansi (Manajemen dan Akuntansi) Paradoks : Jurnal Ilmu Ekonomi Jurnal Bisnis Digital dan Enterpreneur (BISENTER) Journal of Golden Generation Multidisciplinary Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review GENTARA: Management and Accounting Research
Masyadi
ProdiManajemen, Universitas Lamappapoleonro
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The Influence Of Financial Literacy And E-Money Use On The Consumer Behavior Of Students In The Management Study Program At Lamappapoleon University Sukma Aini; Masyadi Masyadi; Mutmainna Andi Sudirman; Ika Mahkota Putri
GENTARA: management and accounting research Vol. 1 No. 1 (2026): GENTARA: Management And Accounting Research
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

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Abstract

The background of this research problem is to determine the influence of financial literacy and e-money use on the consumer behavior of students in the Management study program at Lamappapoleonro University. This research is classified as quantitative. The data sources are secondary data. The data analysis method used is multiple linear regression. Furthermore, the hypothesis was tested using the F-test, t-test, and coefficient of determination. The results of this study indicate that financial literacy and e-money use significantly influence the consumer behavior of students in the Management study program at Lamappapoleonro University
Digital Financial Literacy as a Determinant of Financial Management of MSMEs in Lalabata District Mutmainna Andi Sudirman; Andi Sonia; Masyadi Masyadi; Sukma Aini
GENTARA: management and accounting research Vol. 1 No. 1 (2026): GENTARA: Management And Accounting Research
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

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This study aims to analyze the effect of digital financial literacy on financial management of UMKM in Lalabata District. UMKM play a significant role in supporting local economic development; however, many UMKM actors still face challenges in managing their business finances effectively. Along with the rapid development of financial technology, digital financial literacy has become an important factor in improving financial management practices.This study employs a quantitative explanatory approach. Data were collected through a structured questionnaire distributed to 15 UMKM actors using probability sampling techniques. Digital financial literacy was measured through indicators of financial knowledge, savings, insurance, and investment, while financial management was measured through fund allocation, income determination, risk management, and future financial planning. The data were analyzed using simple linear regression with the assistance of SPSS.The results indicate that digital financial literacy has a positive and significant effect on financial management of UMKM. UMKM actors with higher levels of digital financial literacy tend to demonstrate better financial management practices, including more structured budgeting, improved cash flow control, and more systematic financial planning. However, understanding of digital financial products related to insurance and investment remains relatively limited. This study is expected to provide empirical evidence for policymakers and related institutions in designing more effective digital financial literacy programs to support UMKM sustainability in the digital era.
Analysis Of The Influence Of Digital Financial Literacy On Fintech Financing Decisions And Its Impact On Msme Financial Management In Lalabata Subdistrict, Soppeng Regency Masyadi Masyadi; Sukma Aini; Mutmainna Andi Sudirman; Andi Sonia
GENTARA: management and accounting research Vol. 1 No. 1 (2026): GENTARA: Management And Accounting Research
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

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Abstract

The rapid growth of digital financial services has expanded access to financing for micro, small, and medium enterprises (MSMEs), particularly through fintech-based products such as peer-to-peer lending and buy-now-pay-later schemes. However, the complexity of digital financing features and risks requires adequate digital financial literacy to support sound funding decisions and sustainable financial management. This study analyzes the influence of digital financial literacy on fintech funding decisions and its impact on MSME financial management in Lalabata District, Soppeng Regency. Using a quantitative, causal-associative design, data were collected from 120 MSME owners/managers through a structured Likert-scale questionnaire. The data were analyzed using descriptive statistics, reliability testing, and regression-based mediation analysis with SPSS. The results show that the level of digital financial literacy among MSMEs is high (M = 3.72), fintech funding decision quality is high (M = 3.56), and MSME financial management is high (M = 3.52), although separation between personal and business finances remains moderate (M = 3.38). Regression analysis indicates that digital financial literacy significantly influences fintech funding decisions (B = 0.63; p < 0.001; R² = 0.40). Furthermore, fintech funding decisions significantly affect MSME financial management (B = 0.55; p < 0.001), while digital financial literacy also has a direct positive effect on financial management (B = 0.21; p = 0.003). Mediation testing confirms partial mediation, with an indirect effect of 0.35 (p < 0.001), implying that improved literacy strengthens financial management partly through better fintech funding decisions. These findings highlight the importance of strengthening digital financial literacy programs that emphasize total cost calculation, repayment planning, and financial discipline, alongside initiatives encouraging the separation of personal and business finances to improve MSME financial resilience
The Role Of Independent Commissioners In Overseeing Investment Decisions: A Good Corporate Governance Review In The Extractive Sector Mutmainna Andi Sudirman; Sukma Aini; Masyadi Masyadi
GENTARA: management and accounting research Vol. 1 No. 2 (2026): GENTARA: Management And Accounting Research
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

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This study discusses the role of independent commissioners in supervising investment decisions in Indonesian extractive sector companies based on the perspective of Good Corporate Governance (GCG). The study focuses on green capital budgeting, especially reclamation provisions that are required by regulation. Using a systematic literature review method, this study analyzes 31 verified sources, including journal articles, official data, and government regulations published between 2020 and 2026. The results show three main findings. First, agency theory and the triple bottom line framework can be used to explain the importance of independent commissioner supervision. Agency theory explains the risk of information gaps between management and stakeholders, while the triple bottom line highlights the economic, environmental, and social responsibilities of companies. Second, independent commissioners supervise investment decisions through strategic evaluation, monitoring, advisory roles, and accountability reporting. Their effectiveness depends more on active governance involvement than on the number of independent commissioners. Third, reclamation provision adequacy can be used as a new indicator to measure the quality of green capital budgeting in the extractive sector. This study contributes to the Good Corporate Governance literature by linking agency theory, triple bottom line, independent commissioner oversight, and green investment decisions in the Indonesian extractive sector. It also provides a basis for future empirical research on the relationship between reclamation provisions, independent commissioners, and firm value
The Influence of Embedded Finance, QRIS Usage, and Digital Financial Literacy on MSME Financial Resilience Masyadi Masyadi; Mutmainna Andi Sudirman; Sukma Aini
GENTARA: management and accounting research Vol. 1 No. 2 (2026): GENTARA: Management And Accounting Research
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

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This study examines the influence of embedded finance, QRIS usage, and digital financial literacy on the financial resilience of micro, small, and medium enterprises (MSMEs). The rapid development of financial technology has encouraged MSMEs to use digital financial services in their daily business activities, including integrated financial services, digital payments, and online financial platforms. However, the use of technology alone does not guarantee stronger business resilience if MSME owners do not have adequate financial knowledge and the ability to manage digital financial services effectively. This study focuses on MSMEs in Soppeng Regency, South Sulawesi, that have used QRIS or other digital financial services. A quantitative explanatory approach is used to test the relationship between the research variables. Data are collected through questionnaires distributed to MSME owners or managers, and the analysis is conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that embedded finance, QRIS usage, and digital financial literacy have positive effects on MSME financial resilience. Embedded finance helps MSMEs access financial services more easily, QRIS supports transaction efficiency and digital financial records, while digital financial literacy strengthens the ability of MSME owners to manage financial risks and make better decisions. Among the three variables, digital financial literacy shows the strongest contribution to financial resilience. This study contributes to the fintech and MSME literature by emphasizing financial resilience as the main outcome, rather than merely focusing on technology adoption. Practically, the findings suggest that MSMEs, fintech providers, financial institutions, and policymakers should strengthen digital financial literacy and encourage the strategic use of digital financial services to support MSME sustainability
The Influence of Diversity in Medium Activity Units in Increasing Economic Growth Asni Asni; Masyadi Masyadi; Puji Rahmah
GENTARA: management and accounting research Vol. 1 No. 2 (2026): GENTARA: Management And Accounting Research
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

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Abstract

This research aims to analyze the influence of diversity in MSMEs on increasing economic growth. MSMEs are business units/organizations that are at a medium level of activity, not as small as micro businesses, but which also do not yet have a large scale which is generally the link between local job creation and wider economic integration. Diversity can include the diversity of human resources, the variety of backgrounds of business actors/workers, as well as the variety of networks and skills possessed by these units. Using a quantitative approach based on secondary data (regional economic indicators and economic unit characteristics), this research examines the relationship between diversity and economic growth indicators through a conceptual framework that emphasizes productivity, innovation, market expansion and resource allocation efficiency. The research results are expected to show that the higher the quality of diversity managed inclusively, the greater the contribution to economic growth through increasing productivity and the adaptive capacity of economic units to market changes. It is hoped that these findings will provide policy implications for the government and stakeholders to encourage the strengthening of an inclusive MSME/medium industry ecosystem, including training policies, fair access to financing, and strengthening collaborative networks across groups
Maintaining Fan Loyalty in the Music Industry through a Cyber Marketing Strategy Muchlis Abbas; Ibrahim Ibrahim; Taufik Thahir; Suriyanti Mangkona; Masyadi Masyadi; Kasnaeny Karim
International Journal of Artificial Intelligence Research Vol 6, No 1.2 (2022)
Publisher : Universitas Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v6i1.2.860

Abstract

This study aimed to examine the effect of marketing methods on fan loyalty towards Gigi Band. The research hypothesis was fully accepted at a probability level of 95%, indicating that marketing methods have a positive and significant effect on fan loyalty. The study also found that Gigi Band's management marketing strategy is very effective in maintaining its work and retaining its fans. The recommendations for future research include exploring additional variables that may influence fan loyalty beyond marketing methods. Additionally, the study suggests that Gigi Band should continue to hold concerts and expand its songwriting segment to increase its recognition among a wider audience. Overall, this research provides valuable insights into the impact of marketing on fan loyalty in the music industry.
Co-Authors A. Zulkifli Nusri A. Zulkifli Nusri A.Muh Achyar Abbas, Muchlis Abdul Salam Aini, Sukma Amrial Amria Amrial Amrial Amrial, Amrial Andi Jenni Indriakati Andi M Nurul Afdhal Andi M. Nurul Afdhal Andi Sonia Anggi Puspita Putri Asmini Asmini Asni Asni Asni Asriana Asriana Asriana Azis Bahtiar Maddatuang Ibrahim Ibrahim Ibrahim Ika Mahkota Putri Ilma Ilma Irnayani Kasnaeny Karim Mansur Mansur Muchlis Abbas Muh Fuad Randy Muh Sahrul Muin, Asri Nur Mutmainna Andi Sudirman Mutmainna Andi Sudirman Neri Aslina Nurmal Nurmal Patappari, Andi Puji Rahmah Rahmah, Puji Rahmawati Umar Siti Massita Sukma Aini Sukma Aini Sukma Aini Sukriadi Sukriadi Sukriadi Surianti Surianti, Surianti Suriyanti Suriyanti Syahrul Irwandi Syuhrah Khaerah Tahir, M Afdal Taufik Thahir Taufik Thahir Verri Ginoga Yusrab Ardianto Sabban Yusril Masri