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All Journal Novum : Jurnal Hukum Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Manajemen Indonesia MATAPPA: Jurnal Pengabdian Kepada Masyarakat Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Community Engagement and Emergence Journal (CEEJ) JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN ScienceEdu : Jurnal Pendidikan IPA Community Development Journal: Jurnal Pengabdian Masyarakat Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Mattawang: Jurnal Pengabdian Masyarakat Jurnal Riset Ilmu Ekonomi Jurnal Pengabdian Masyarakat Akademisi Journal of Economics Research and Policy Studies Jurnal Pengabdian Mandiri Media Ekonomi Media Bina Ilmiah e-Jurnal Apresiasi Ekonomi Dirkantara Indonesia IIJSE Asian Journal of Management, Entrepreneurship and Social Science
Dini Hariyanti
Universitas Trisakti
Religion Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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The Influence of Service Quality and System Quality on Branchless Banking Agent Loyalty Mediated by Satisfaction at PT Bank Negara Indonesia (Persero), Tbk in the Work Area of Regional Office 12 Juni, Ardi Ikhsan; Kunawangsih P., Tri; Hariyanti, Dini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5170

Abstract

This research was conducted to analyze and study the influence of the Brancless Banking business on PT Bank Negara Indonesia (Persero), Tbk. In the Regional Office 12 Work Area which consists of service quality and system quality on satisfaction and its impact on agent loyalty. The research method used is quantitative research with data analysis techniques using SEM PLS. The research results show that partially or directly (direct effect) everything has a positive and significant influence, namely service quality has an influence on loyalty, system quality has an influence on loyalty, satisfaction has an influence on loyalty, service quality has an influence on satisfaction, and system quality has an influence on satisfaction. Indirectly, satisfaction can mediate significantly positively between service quality and loyalty and satisfaction can mediate significantly positively between system quality and loyalty.
Ultra-Micro Financing Literacy for KSBI MSME Entrepreneurs Hariyanti, Dini; Erza, Osni; Khairunnisa
Mattawang: Jurnal Pengabdian Masyarakat Vol. 6 No. 4 (2025)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.mattawang4369

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting Indonesia’s national economy. However, one of the major challenges for MSMEs—especially ultra-micro businesses—is their low level of financial literacy, which limits access to formal financing. This community service program aims to increase ultra-micro financing literacy among members of Komunitas Sukses Berjamaah Indonesia (KSBI). The program applied a community-based empowerment approach using Participatory Action Research (PAR) and involved 20 ultra-micro entrepreneurs in South Jakarta. Activities included initial observation, Focus Group Discussions, financial literacy training, financing application simulations, technical mentoring, and evaluation through pre-test and post-test. The results showed an increase in participants’ understanding from an average of 41.4% to 60.2%, reflecting a 45% improvement. Beyond knowledge gains, the program also facilitated the formation of a community financial literacy team and the emergence of local leaders who play a key role in ensuring program sustainability. These findings demonstrate that community-based financial literacy education can effectively expand access to formal financing for ultra-micro enterprises. Replicating similar programs in other communities has strong potential to strengthen economic independence and promote financial inclusion.
Analisis Perbedaan Pengadaan Langsung pada UKPBJ Kementerian Keuangan dengan Satker Masing-Masing Ditinjau dari Aspek Efisiensi dan Efektivitas Purwanto, Edi; Hariyanti, Dini
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 3 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i3.10548

Abstract

Penelitian ini bertujuan untuk menganalisis kebijakan pengadaan langsung terpusat yang dilaksanakan oleh Kementerian Keuangan. Desain penelitian dilakukan dengan membandingkan hasil pelaksanaan pengadaan langsung yang dilakukan secara terpusat melalui Unit Kerja Pengadaan Barang/Jasa dan pengadaan langsung yang dilaksanakan oleh satuan kerja masing-masing. Fokus evaluasi diarahkan pada dua aspek utama, yaitu efisiensi anggaran dan efektivitas durasi pengadaan yang meliputi durasi persiapan pengadaan dan durasi pelaksanaan pengadaan. Pendekatan yang digunakan adalah dengan menggunakan metode kuantitatif melalui uji non-parametrik multivariat Mann Whitney U, Kruskal Wallis dan uji lanjutan test dunn dengan koreksi Bonferroni yang diolah menggunakan aplikasi SPSS dengan memanfaatkan data sekunder yang diperoleh dari hasil pengadaan langsung di Kementerian Keuangan selama periode tahun 2021 hingga 2024. Sebagai penguat temuan perhitungan, dilakukan indepth interview guna menggali informasi yang tidak dapat diungkap melalui data numerik. Kerangka analisis disusun berdasarkan teori kebijakan publik, teori ekonomi serta peraturan tentang pengadaan pemerintah guna menganalisis efisiensi dan efektivitas pelaksanaan kebijakan tersebut. Hasil penelitian menunjukkan bahwa pelaksanaan pengadaan langsung terpusat berpengaruh terhadap efisiensi anggaran dan efektivitas durasi pengadaan.
Analysis of Transpolitan Program Development to Improve Superior Commodities Through the Role of BUMDes in Batu Betumpang Village, South Bangka Regency Maulita, Karil; Hariyanti, Dini; Adriana S, Mona
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4985

Abstract

This research analyzes the development of the Transpolitan Program aimed at enhancing leading commodities through the role of the Village-Owned Enterprise (BUMDes) in Batu Betumpang Village, South Bangka Regency. This village is one of the 52 National Priority Transmigration Areas with significant potential in agricultural, plantation, and fishery commodities, yet it faces challenges in optimization. The objectives of this study are to (1) analyze the influence of the Transpolitan Program on the development of leading commodities, (2) examine the role of BUMDes in the development of these commodities, (3) analyze the level of community financial literacy, and (4) formulate strategies and policy recommendations to strengthen the program. The method used is qualitative research with a descriptive approach. Primary data were collected through in-depth interviews and Focus Group Discussions (FGDs) with stakeholders, including the village government, BUMDes management, and community representatives. The collected data were analyzed using SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis and mapped onto a SPACE matrix to determine the strategic position. The research findings indicate that Batu Betumpang Village possesses significant strengths in the diversity and potential of its leading commodities, particularly rice, palm oil, and fisheries, supported by the national food self-sufficiency program. However, this development is hampered by serious structural weaknesses, such as the absence of an adequate irrigation dam, minimal road infrastructure, and a lack of local post-harvest processing facilities. The role of the BUMDes is identified as important in managing village assets and providing limited capital, but it is not yet optimal due to managerial constraints, a lack of innovation, and weak coordination. The community's financial literacy level shows foundational potential but is threatened by limited digital access and the risk of financial fraud. The SPACE matrix analysis places Batu Betumpang Village in the Aggressive quadrant, indicating that the village has strong internal strengths and external opportunities to proactively address existing weaknesses and maximize its growth potential.
The Effect of Household Health and Education Expenditures and Macroeconomic Conditions on Cigarette Consumption: A Panel Data Study of 34 Provinces in Indonesia, 2021–2023 Wibowo, Rahmat Widianto; Hariyanti, Dini; Sumiyarti, Sumiyarti
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.5239

Abstract

This study aims to analyze the effects of household expenditures on health and education, as well as macroeconomic conditions, on cigarette consumption across 34 provinces in Indonesia during the 2021–2023 period. A quantitative approach is employed using a fixed-effects panel data model to systematically estimate the relationships among the variables. The novelty of this study lies in the integration of both micro-level variables (household expenditure on health and education) and macroeconomic indicators (GRDP growth, open unemployment rate, and poverty depth index) into a unified analytical framework using recent provincial panel data. This approach has rarely been adopted in previous studies, which predominantly relied on cross-sectional household-level data and tended to isolate micro or macro factors. The results indicate that household health expenditures, the poverty depth index, and the unemployment rate have a significant negative effect on cigarette consumption. In contrast, household education expenditures and GRDP growth do not exhibit statistically significant impacts. These findings suggest that increased spending on health may reduce cigarette consumption through a budget reallocation mechanism (crowding-out effect), whereas education-related spending shows no practical short-term influence. The study implies that public policy interventions should prioritize enhancing household investments in health while simultaneously addressing macroeconomic pressures that contribute to smoking behavior. It is recommended that future research extends the observation period, incorporates sociocultural variables, and includes behavioral dimensions to obtain a more comprehensive understanding of household cigarette consumption patterns across regions in Indonesia. These insights are expected to support the development of evidence-based public policies aligned with national health and education agendas.
Co-Authors Ade Aida Adriana S, Mona Adriana, Mona Adriyana, Mona Alisa Noviani Putri Anita Roosmalina Matusin Annisa Yuliandari Aprillia , Budi Santosa Budiyanti, Fatwa Darwin Hasiholan Debbie Aryani Tribudhi Dian Octaviani Edi Purwanto Ego Bagas Anugerah Pratama Eleonora Sofilda Erny Tajib Fadilla, Meita Indah HANANTO WIDODO Harahap, Cicely Delfina Imam Zul Fikri Juni, Ardi Ikhsan Khairunnisa Kunawangsih P., Tri M. Yogi Riyantama Isjoni Magetsari, Ovy Noviati Nuraini Mahdawi Mahdawi Martadisastra, Dedie S Maulita, Karil Mona Adriana Patriyasa Muhammad Zilal Hamzah Nazmel Nazir Nirdukita Ratnawati Osni Erza, Osni Pidhegso, Achmad Yugo Putri, Alisa Noviani Putri, Farah Nabilla Rismayanti Rustam, Rinaldi Sekar Mayangsari Septi Budi Sartika Setyarini, Theresia Avila Dyah Simanjuntak, Lydia Rosintan Soeharjoto Soekapdjo Soeharjoto, Soeharjoto Sri Yani Kusumastuti Sumiyarti Sumiyarti Sumiyarti, Sumiyarti Tribudhi, Debbie Aryani Vinola Herawaty Wahyuni, Lidia Wibowo, Rahmat Widianto Yudi Susworo