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All Journal Krisna: Kumpulan Riset Akuntansi IQTISHODUNA Jurnal Minds: Manajemen Ide dan Inspirasi JST ( Jurnal Sains Terapan ) Hikmah : Journal of Islamic Studies Jurnal Ilmiah Universitas Batanghari Jambi IJBE (Integrated Journal of Business and Economics) JURNAL PENDIDIKAN GLASSER Journal of Economic, Bussines and Accounting (COSTING) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Jurnal Abdi Masyarakat Ilmu Ekonomi [J.A.M.I.E.] Jurnal GeoEkonomi International Journal of Economics, Business and Accounting Research (IJEBAR) Abdimas Universal Best Journal (Biology Education, Sains and Technology) PREPOTIF : Jurnal Kesehatan Masyarakat Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Abdi Insani Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung ARSY : Jurnal Aplikasi Riset kepada Masyarakat International Journal of Business, Law, and Education JOURNAL LA MEDIHEALTICO Perspektif Akuntansi Indonesian Journal of Intellectual Publication (IJI Publication) Jurnal Pengabdian Masyarakat (ABDIRA) Jurnal Ekonomi Jurnal Info Sains : Informatika dan Sains International Journal of Education, Social Studies, And Management (IJESSM) BIOMA : Jurnal Biologi dan Pembelajarannya AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Batara Wisnu : Indonesian Journal of Community Services Journal Of Human And Education (JAHE) JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS JTechLP JURNAL ECONOMINA Jurnal Pengabdian Masyarakat Bhinneka Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia MEDIA RISET EKONOMI International Journal of Economics and Management Research Journal of Islamic Economics Lariba Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Filogeni: Jurnal Mahasiswa Biologi Jurnal Ilmiah Multidisiplin Indonesia Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Tujjar International Journal of Islamic Economics Development Jurnal Biologi Babasal International Journal of Economic Research and Financial Accounting Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Innovative and Creativity Escalate : Economics and Business Journal Jurnal Aktor Journal of Marketing Management and Innovative Business Review Jurnal Ragam Pengabdian Jurnal Cendekia Ilmiah Journal of Asian-african Focus in Health Jurnal Wacana Kinerja: Kajian Praktis-Akademis Kinerja dan Administrasi Pelayanan Publik Jurnal Ilmiah Mahasiswa & Penelitian Keperawatan
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Universitas Balikpapan, Indonesia
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SOSIALISASI MENABUNG : PERAN SOSIALISASI DALAM MEMBENTUK PERILAKU MENABUNG SEJAK DINI Khudin Anam, Sholih; Naurah, Aisyah; Tri Cahyanti, Melysa; Nurlia, Nurlia; Taufik Rohman, Dwi
Jurnal Abdi Masyarakat Ilmu Ekonomi (JAMIE) Vol. 8 No. 1 (2025)
Publisher : Fakultas Ekonomi Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/jamie.v8i1.691

Abstract

Program pengabdian masyarakat ini bertujuan untuk meningkatkan kemandirian finansial siswa Sekolah Dasar melalui penanaman kebiasaan menabung sejak dini yang dipadukan dengan nilai kearifan lokal. Kegiatan dilakukan melalui pemaparan materi, simulasi menabung dengan celengan, dan diskusi interaktif. Hasil kegiatan menunjukkan peningkatan pemahaman siswa mengenai pentingnya menabung, kemampuan menyisihkan uang jajan, serta meningkatnya motivasi untuk menabung secara berkelanjutan. Program ini memberikan kontribusi positif dalam pembentukan perilaku keuangan sehat sejak dini.
PENGARUH BAURAN PEMASARAN TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN CAFE TOO EZ FOR COFFEE BALIKPAPAN Sukimin, Sukimin; Nurlia, Nurlia; Sriwulan, Devi
Jurnal GeoEkonomi Vol. 15 No. 1.2024 (2024): EDISI KHUSUS SEMNAS FEB-UNIBA 2024
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/geoekonomi.v15i1.2024.507

Abstract

The purpose of this study is to determine whether the product, price, place, promotion, people, process, and physical evidence simultaneously affect the purchasing decisions of consumers of Cafe Too Ez For Coffee Balikpapan. And to find out whether the product, price, place, promotion, people, process, and physical evidence partially affect the purchasing decisions of consumers of Cafe Too Ez For Coffee Balikpapan. The number of samples in this study was 268 Consumers of Cafe Too Ez For Coffee Balikpapan. The sampling technique used in this study is Non Probability Sampling and the sample method used is Accidental Sampling. The data analysis model used in this study is Multiple Linear Regression. The test equipment used is Instrument Test, Classical Assumption Test, and Hypothesis Testing. The results show that the hypothesis proposed in this study can be accepted as true, namely, it is suspected that the product, price, location, and promotion partially affect the purchasing decisions of consumers at Cafe Too Ez For Coffee Balikpapan, as evidenced by the t-count value is greater than the t-table value. And product, price, location, and promotion simultaneously affect the purchasing decisions of consumers of Cafe Too Ez For Coffee Balikpapan, it is proven because the calculated F value is greater than the F table value.
Analisis Struktur Modal Terhadap Profitabilitas (Studi Empis Subsektor Kosmetik Dan Keperluan Rumah Tangga Yang Terdaftar Di Bursa Efek Indonesia) Fathimah Saputri, Maulidya; Nurlia, Nurlia; Juwari, Juwari
Jurnal GeoEkonomi Vol. 16 No. 2 (2025)
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/geoekonomi.v16i2.639

Abstract

This study focuses on the impact of capital structure on the level of profit in the cosmetics and family products sector listed on the IDX. Capital structure is explained through several financial indicators, such as the current ratio, debt to equity ratio, and debt to asset ratio, while profitability is presented by return on equity. The research uses multiple linear regression to analyze data by utilizing company financial reports during a certain period. The findings show that the current ratio does not make a significant contribution to return on equity, while the debt to equity ratio has a significant positive impact. On the other hand, the debt to asset ratio does not show a significant negative effect on return on equity. It is hoped that the results of this research can help company management in preparing capital structure strategies and serve as a guide for investors to strengthen the company's financial performance.
Pengaruh Literasi Keuangan, Financial Technology dan Locus of Control terhadap Penggunaaan Paylater kepada Mahasiswa Universitas Balikpapan Permadi, Riza; Anggraini, Diah; Susanti, Nira Dewi; Sa’diyah, Nur; Nurlia, Nurlia
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/2d8cqs58

Abstract

The development of financial technology has encouraged changes in financial behavior, especially among students as active users of digital services. One of the rapidly growing services is paylater, which offers transaction convenience through deferred payment systems. However, uncontrolled use of paylater may create personal financial risks such as consumptive behavior and debt accumulation. This study aims to analyze the influence of financial literacy, financial technology, and locus of control on the use of paylater among students at Universitas Balikpapan from a financial risk management perspective. This study uses a quantitative method with data collection techniques through questionnaires distributed to students of Universitas Balikpapan. The sampling technique used is non-probability sampling with a purposive sampling approach. Data analysis was conducted using Structural Equation Modeling based on Partial Least Square (SEM-PLS) with the assistance of SmartPLS software. The results are expected to show that financial literacy, financial technology, and locus of control significantly influence the use of paylater. This study implies that financial understanding, technological convenience, and self-control are important factors in minimizing financial risks arising from the use of digital credit services. This research is expected to serve as an evaluation material for students to be wiser in using paylater services and to increase awareness of personal financial risk management.
Manajemen Risiko sebagai Mediator dalam Keterkaitan Inklusi Keuangan dan Kinerja UKM Balikpapan Gusmawati; Patta, Ribka; Rahayu, Agus; Prastiyo, Hery Eko; Nurlia, Nurlia
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/68zgf736

Abstract

This study aims to examine the role of risk management as a mediating variable in the relationship between financial inclusion and SME performance. The study employed a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) with Smart-PLS version 4. Data were collected through questionnaires distributed to 150 SME owners and managers in Balikpapan, Indonesia, selected using purposive sampling. The findings reveal that financial inclusion does not have a significant direct effect on SME performance. However, financial inclusion has a positive and significant effect on risk management, while risk management significantly improves SME performance. Furthermore, the study confirms that risk management significantly mediates the relationship between financial inclusion and SME performance. These findings indicate that access to formal financial services alone is insufficient to improve SME performance unless supported by effective risk management practices. The study contributes to the literature by highlighting the strategic role of risk management as an important mechanism through which financial inclusion can enhance business performance. Practically, the findings suggest that policymakers and financial institutions should complement financial inclusion programs with risk management training and managerial assistance for SMEs to ensure sustainable business growth and resilience.
DIGITAL DENTAL INNOVATION AND ECONOMIC EFFICIENCY: EVIDENCE FROM INTRAORAL SCANNERS AND 3D PRINTING Al Naggar, Hesham Saleem; Nurlia, Nurlia; Al Haddad, Abdurrahman Jameel
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8373

Abstract

This study explores the economic implications of adopting digital dental technologies, particularly intraoral scanners and 3D printing, in enhancing cost efficiency and productivity within dental practices. The research addresses the central problem of understanding how digital innovation in dentistry contributes to broader macroeconomic efficiency and value creation in the healthcare sector. Guided by the Digital Dental Economic Model (DDEM), this paper employs a conceptual and analytical macroeconomic approach that integrates theories of endogenous growth, cost-efficiency analysis, and value chain transformation to assess the long-term economic effects of digitalization in dental services. The findings reveal that digital adoption significantly improves operational efficiency by reducing variable costs, minimizing manual errors, and increasing treatment throughput. These micro-level gains transmit into macroeconomic productivity growth, consistent with the Solow model of technological progress. However, the study also identifies asymmetric adoption patterns and labor substitution effects, particularly affecting small clinics and dental technicians, indicating the need for targeted innovation policies and re-skilling programs. Furthermore, the digital transformation of dentistry reshapes its value chain, generating new forms of interconnected economic relationships but raising ethical and data governance concerns. The analysis concludes that digital dental technologies serve as a dual catalyst for economic efficiency and structural change within healthcare systems. To sustain this transformation, policymakers should prioritize inclusive innovation, financial accessibility, and ethical digital governance. Future research should employ empirical modeling and cross-country comparative analyses to quantify digital adoption’s macroeconomic impact and evaluate policy responsiveness across healthcare economies.
PENGARUH FAKTOR FUNDAMENTAL MIKRO DAN MAKRO TERHADAP NILAI PERUSAHAAN INDEKS LQ45 Tyas Salsabila; Dwi Susilowati; Nurlia Nurlia
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 9, No 1 (2026): JIMB - VOLUME 9 NOMOR 1 MEI 2026
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v9i1.38652

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana faktor fundamental mikro dan makro berpengaruhh tehadap nilai perusahaan Indeks LQ45 periode 2020–2024. Debt to Equity Ratio (DER) dan Return on Equity (ROE) digunakan untuk memproksikan faktor mikro, sementara faktor makro diproksikan melalui tingkat inflasi dan suku bunga. Rasio Price to Book Value (PBV) digunakan sebagi indikator dalam mengukur nilai perusahaan. Penelitian ini menerapkan pendekatan kuantitatif dengan pengolahan data sekunder yang bersumber dari laporan keuangan tahunan perusahaan serta publikasi data makroekonomi dari Bank Indonesia. Hasil analisis regresi linier berganda menggunakan SPSS 25 menunjukkan bahwa DER dan ROE sebagai faktor mikro berpengaruh positif dan signifikan terhadap Nilai Perusahaan (PBV), sedangkan suku bunga dan inflasi sebagai faktor makro berpengaruh negatif dan tidak signifikan terhadap Nilai Perusahaan (PBV).
Analisis Implementasi Enterprise Risk Management dan Transformasi Digital pada PT Bank Mandiri (Persero) Tbk Periode 2021–2025: Pendekatan Studi Kasus Norbayah, Norbayah; Asim, Nur; Rahman, Edo; Nurlia, Nurlia
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/7hmbeb83

Abstract

Advancements in digital technology have compelled the banking industry to undergo continuous business transformation. This strategic shift aims to improve service quality, optimize operational efficiency, and boost corporate competitiveness. Conversely, digital adaptation also introduces novel risks that require effective mitigation through the framework of Enterprise Risk Management (ERM). This study evaluates the implementation of ERM alongside digital transformation at PT Bank Mandiri (Persero) Tbk from 2021 to 2025, while exploring their correlation with corporate performance. Utilizing data extracted from the annual reports of PT Bank Mandiri (Persero) Tbk spanning 2021–2025, this research employs a descriptive qualitative approach integrated with case study and content analysis methods. The findings demonstrate that Bank Mandiri consistently strengthens all eight pillars of ERM risk dimensions, which include credit, market, liquidity, operational, legal, compliance, strategic, and reputational risks throughout the observation period. Simultaneously, the bank’s digital breakthroughs are executed through key initiatives, namely Livin' by Mandiri, Kopra by Mandiri, Smart Branch, Digital Ecosystem Development, and the Integrated Digital Platform. The synergistic integration between ERM and digital transformation significantly drives corporate performance. This positive impact is evidenced by a substantial surge in net profit, climbing from IDR 28.03 trillion in 2021 to IDR 56.29 trillion in 2025, alongside an asset expansion from IDR 1,726 trillion to IDR 2,830 trillion. 
The Effect of Workload on Employee Performance: The Mediating Role of Work-Life Balance and Job Satisfaction among Remote Workers Tutik Yuliani; Misna Ariani; Nurlia Nurlia; Wiwik Saraswati
Integrated Journal of Business and Economics (IJBE) Vol 10, No 3 (2026): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v10i3.1279

Abstract

The rise of remote work has prompted renewed interest in understanding the factors influencing employee performance. This study investigates the direct and indirect effects of workload on employee performance, with work-life balance and job satisfaction as mediating variables. Utilizing a quantitative research design, data were collected from 160 remote employees across major Indonesian cities and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that workload positively and significantly affects employee performance, both directly and indirectly through job satisfaction. However, work-life balance does not significantly mediate this relationship. Job satisfaction emerged as a crucial psychological mechanism that amplifies the effect of workload on performance. These results suggest that intrinsic factors, such as meaningful job experiences and satisfaction, are more influential than external balance mechanisms in driving remote employee productivity. The study contributes to the Job Demands-Resources (JD-R) literature by clarifying the role of motivational versus strain-related mediators in remote work settings. Organizations are advised to focus on enhancing job satisfaction through recognition and meaningful task assignment, rather than relying solely on work-life balance initiatives.
Co-Authors , Nurliani Maulida A. PANANRANGI M Abd. Khaliq Abdul Manap Abdul Rahman Laba abdurahman abdurahman Abi Suar Ado Bastian Agnes Monika Agus Rahayu Ahmad, Lia Fauziyyah Aidah, Aidah Aiyub Anshori Akbar, Pandu Muhammad Akhmad Baidun Al Haddad, Abdurrahman Jameel Al Naggar, Hesham Saleem Alfiana Alfiana Almuhajir Haris, Almuhajir Alvaleri, Divka Pradya Alvianita Gunawan Putri Amir Iskandar Andi Hidayatul Fadlilah Andi Muhammad Ishak Ismail Angga Angga Anggit, Anggit Anggraini, Sri Rahayu Anindita Evelyn Jessica Putri Anwar Fattah Ari Pujangga Pangestu Arifia Nurriqli Arkam Lahiya Asim, Nur Aulia, Kurnia Azniah Syam Bengana, Mohamed Caroline, Patheresya Daud, Ilzar Dedi Rianto Rahadi Della Dian Safitri Desti Dwi Chayati Devi Sriwulan Devi Susiati Dewi Rosita Diah Anggraini, Diah Dian Pratiwi Djumhadi Djumhadi, Djumhadi Dwi Susilowati Dwi Susilowati Dwi Susilowati Dwi Taufik Rohman Endah Prawesti Ningrum Erlina Pakki Fadli Fadli Fadli Syamsuddin Fajar Fajar Fathimah Saputri, Maulidya Fatmawati Nur Fenni Supriadi Fitriani Fitriani Fitriani Fitriani Fitriansyah Fitriansyah Gazalin, Junaid Gde Bayu Surya Parwita Gusmawati Habibu, Afriyani Hanifah, Siti Salsabilla Hardinata, Ega Hardiyono Hariandy Hasbi Hasibuan, Mirna Hasibuan, Nuri Azri Hasibuan, Owen Hasjim, Yuli Karmila Hayati, Diana Herlambang, Dwicki Hiezkia Xena Saban Husain, Hartina Idayanti, Iin Ifah Finatry Latiep INDRAYANI INDRAYANI Irfan Abdillah Irma Maria Dulame irvan Nurhakimi Irwan Moridu Istianingrum, Rika Istiqamah Istiqamah Jean Richard Roku Johannes Baptista Halik Joshua Primadani Jumarni Jumarni Jumria Jumria Juwari Juwita Aprillia KARIM, WAHYUDIN ABDUL Kenta, Abd. Muin KENTA, ABDUL MUIN Khaerunisa, Diana Khofifah Oktavia Khudin Anam, Sholih Klemens Mere Kusnaeni Kusnaeni, Kusnaeni Laita, Adeirma Lama'u, Sryfaida Laruba, Sumarni Lili Yanti, Lili Lisa Listiqomah Luqman Hakim Handoko Lutfi, Chairul M. Khairul Anwari M.R, Andi Oxy Rayhan Makherta, Ika Marjuno, Siti Aisyah Markus Asta Patma Nugraha Matyani Matyani Matyani, Matyani Maulida, Nurliani Medinal MISMIWATI, MISMIWATI MISMIWATI Misna Ariani MMSI Irfan ,S. Kom Moh. Fahri Haruna Mongan, Claudio Julio Monika, Agnes Mooduto, Nur’Ain Muhammad Edya Rosadi Muhammad Guntur, Muhammad Muhammad Muhammad Muhammad Rezha Pahlawan Muhammad Rifki Nisardi Musdolifah, Ari Mushawwir Taiyeb Nadi Hernadi Moorcy Nadya Putri Indraswari Napitupulu, Swenty Y. Nasrullah Nasrullah Naurah, Aisyah Ndolan, Yospina Nita Prasetia Noor Yudha, Muhamad Norbayah, Norbayah Nova Sri Wardaya Novi Indrayani NUR AENI Nur Aini Nur Amalina Khoiroh Nurdan, Nurdan Nurfadilah Abdul Latif Nurhabibah Nurhabibah Nurlela Nurlela Nurliani Maulida Nurmala Nurmala Nuuridha Matiin Oslan Jumadi Panigoro, Nial Setiawan Patta, Ribka Permadi, Riza Pilifus Junianto Prameswari, Diva Prastiyo, Hery Eko Primadani, Joshua Purwanto, Romdon Rachmawaty Muchtar, Rachmawaty Rahman, Edo Rais, Rahmi Ramdani, Sri Resky, Aprizal Revisa Putri Syahrani Rihfenti Ernayani Rika Istianingrum Rina Destiana Rini Idayanti RIOFITA, HENDRA Riskiyani, Nisa Dewi Ristiana, Evi Rizal R. Manullang Rosdiana Rosdiana Samaduri, Alwia Samsibar, Samsibar Samsimbar, Samsimbar Samuel PD Anantadjaya SARIANTI SARIANTI, SARIANTI Saripujiana, Dian Sa’diyah, Nur Sendianti Pati Septiani, Dinda Setyo Warsito Purwo Duksino Sriwulan, Devi SU, Imam Arrywibowo Sudjinan Sudjinan Sudjinan Sudjinan Sukimin Sukimin Sukimin SULASMI ANGGO Sulmiah, Sulmiah Susanti, Nira Dewi Susena, Edy Susilo, Defri Nanda Syarifuddin Dollah Tamimu, Sulina Tamzil Yusuf Tamzil Yusuf Tangkal, Sisilia Febriyanti Teguh Setiawan Wibowo Tiarnida Nababan Titdoy, Nadia Tomi Apra Santosa Tresnasari, Rini Tri Cahyanti, Melysa Tsabitah Mappangara Tutik Yuliani tutik yuliani Tyas Salsabila Umi Kasanah Utami, Eva Yuniarti Vivid Violin Wagimin Wagimin, Wagimin Wardana, Miko Andi Wardaya, Nova Sri Weni Hawariyuni, Weni Wijayaningsi , Kartika Sari winda lestari Wirawan, Hadi Purnama Wiwik Saraswati, Wiwik Xena Saban, Hiezkia Yamin, Muh Nur Yusminah Hala Yuwanda, Tonny Zaitun Zaitun Zulfikri Zulfikri, Zulfikri Zulhayyir, Zulhayyir