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Crowdfunding to Finance SMEs: New Model After Pandemic Disease Anna Marina; Sentot Imam Wahjono; Soo-Fen Fam; Ismail Rasulong
Sustainability Science and Resources Vol. 5 (2023): Sustainability Science and Resources
Publisher : The Indonesian Forestry Certification Cooperation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55168/ssr2809-6029.2023.5001

Abstract

The purpose of this paper is to find out the success of crowdfunding in finance SMEs (Small and Medium Enterprises) and business startups during and after the Corona Virus Pandemic (Covid19) in Indonesia and Malaysia. Methodology - This research uses a quantitative approach. The questionnaire was distributed to SMEs owners or operators who already knew about crowdfunding domiciled in Indonesia and Malaysia, each country as many as 100 respondents. To find out the influence and significance of Crowdfunding perception, Social norms, Regulation, Entrepreneurship and Technology, and Capital Market on the success of Crowdfunding by using multiple linear regression analysis. Finding – in Indonesia, of the 5 variables studied all showed positive and significant influences with levels of influence varying from weak to medium correlations, except perception variables that showed weak and insignificant influences. In Malaysia, all variables have a positive and significant influence on the level of influence from weak to moderate correlation. Limitation – this study was conducted in Indonesia and Malaysia during the pandemic period with policies on social distancing, physical distancing, and work from home. Originality – This is the first paper to report research on the impact of Corona virus on crowdfunding in Indonesia and Malaysia.
Edge of Enterprise Architecture in Addressing Cyber Security Threats and Business Risks Judijanto, Loso; Hindarto, Djarot; Wahjono, Sentot Imam; Djunarto
International Journal Software Engineering and Computer Science (IJSECS) Vol. 3 No. 3 (2023): DECEMBER 2023
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijsecs.v3i3.1816

Abstract

Enterprise Architecture plays a critical role in reducing business risks holistically and ensuring a company's resilience to cyber security threats. This abstract emphasizes the significance of Enterprise Architecture in contemporary organizational structures and its influence on these matters, particularly at a time when cybersecurity threats are becoming more prevalent in the global business arena. By integrating Human Resources, Governance Frameworks, Technology, and Processes, Enterprise Architecture offers a holistic perspective of the Information Technology environment within an organization. By means of a methodical governance framework, Enterprise Architecture conducts comprehensive examinations of interdependencies among components, detects susceptibilities, and establishes robust groundwork for enhanced threat prevention. Enterprise Architecture is not only a proactive risk management tool, but it also contributes significantly to the overall business strategy. The integration of cybersecurity and enterprise architecture entails not only fortifying the technological infrastructure but also integrating it into the overarching business strategy. This enables the correlation of cybersecurity endeavors with the objectives of the organization, thereby connecting technological aspirations with business strategy. This study emphasizes the potential of incorporating adaptive and agile responses to threats into corporate culture to foster innovation. By functioning as a strategic catalyst, it assists organizations in adjusting to cyber threats, safeguarding business interests, and optimizing operations within an ever-evolving digital environment. By integrating governance and enterprise architecture frameworks, organizations can proactively mitigate business risks and cybersecurity threats, thereby fostering resilience and sustainability in the dynamic digital environment.
Research on the Success of the Crowdfunding Platform Performance in the Funder Dana Project Indonesia Facebook Community Wahjono, Sentot Imam; Marina, Anna; Fen, Fam Soo; Oktaviani, Marista; Alamin, Muhammad Salman Bintang Rahmat
BASKARA : Journal of Business and Entrepreneurship Vol 6, No 1 (2023): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v6i1.18343

Abstract

This research aims to determine the influence of fundraising, product testing, relationship reliability, and increasing awareness on crowdfunding platform performance. The performance of crowdfunding is necessary for research because it involves raising funds from the wider community which needs to be kept safe. This research uses a quantitative approach using regression analysis. The population in this research consists of start-up business actors, MSMEs, investors and other supporters who are members of the Funder Dana Project Indonesia, a Facebook social media group with 1,504 members. This research sample is based on the Krejcie-Morgan Table with an error rate of 5%, consisting of 289 respondents. The research results show that fundraising, product testing, relationship reliability, and increasing awareness simultaneously have a positive and significant effect on crowdfunding platform performance. The recommendation of this research is that crowdfunding stakeholders including the government (OJK) should join social media communities such as Funder Dana Project Indonesia as a medium to build long-term connections and interactions between start-up business actors, MSMEs, investors and other supporters, and continue . to create products that are unique, creative and have selling power so that they get a good response from the public and investors. Recommendations for the government (OJK) to always encourage all crowdfunding platform providers to be in good and healthy condition.
Peran Literasi Keuangan, Digital Payment System dan Penggunaan Internet Terhadap Tingkat Keberhasilan OVO Safiudin, Frumeyza Chabella; Wahjono, Sentot Imam; Mahardhika, Budi Wahyu
Improvement: Jurnal Manajemen dan Bisnis Vol 4 No 1 (2024): Vol 4 No 1 Maret 2024
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v4i1.24336

Abstract

This research aims to determine the influence of financial literacy, digital payment systems and internet use on OVO success rates partially and simultaneously. This research uses a quantitative research approach with multiple linear regression analysis methods. Data processing was carried out using the SPSS 25 application, and the technique used in this research used a simple random sampling technique, where the research sample consisted of members of the OVO user community on Telegram social media. The results of the research that has been carried out show that there is a positive and significant influence simultaneously on financial literacy, digital payment systems and internet use on the success rate of OVO with a probability value of 0.000. The t-test that has been carried out shows that there is a positive and significant partial influence on financial literacy, digital payment systems and internet use on the success rate of OVO. Keywords: Financial Literacy, Digital Payment System, Internet Use And OVO Success Rate Penelitian ini memiliki tujuan untuk mengetahui pengaruh literasi keuangan, digital payment system dan penggunaan internet terhadap tingkat keberhasilan OVO secara parsial dan simultan. Penelitian ini menggunakan pendekatan penelitian kuantitatif dengan metode analisis regresi linier berganda. Pengolahan data dilakukan dengan menggunakan aplikasi SPSS 25, serta teknik yang digunakan dalam penelitian ini menggunakan teknik simple random sampling, dimana sampel penelitian ini terdiri dari anggota komunitas pengguna OVO di sosial media Telegram. Hasil dari penelitian yang telah dilakukan menunjukkan adanya pengaruh yang positif dan signifikan secara simultan pada literasi keuangan, digital payment system dan penggunaan internet terhadap tingkat keberhasilan OVO dengan nilai probabilitas sebesar 0,000. Pada uji-t yang telah dilakukan, menunjukkan adanya pengaruh secara parsial yang positif dan signifikan pada literasi keuangan, digital payment system dan penggunaan internet terhadap tingkat keberhasilan OVO. Kata kunci: Literasi Keuangan, Sistem Pembayaran Digital, Penggunaan Internet dan Tingkat Keberhasilan OVO
Performance Management Analysis of Employees at PT Indofood Sukses Makmur Tbk Wahidah, Roisatul; Ningsih, Widya Kurniawati; Sentot Imam Wahjono
Jurnal Dialektika: Jurnal Ilmu Sosial Vol. 22 No. 3 (2024): Jurnal Dialektika: Jurnal Ilmu Sosial
Publisher : Pengurus Pusat Perkumpulan Ilmuwan Administrasi Negara Indonesia (PIANI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63309/dialektika.v22i3.347

Abstract

Abstract Employee performance management is one of the important aspects in increasing the productivity and effectiveness of an organization. This study aims to analyze the performance management system implemented at PT Indofood Sukses Makmur Tbk, a large company engaged in the food and beverage industry. This study uses a qualitative approach with a case study method, which involves in-depth interviews with HR managers and analysis of company policy documents. The results of the study indicate that PT Indofood Sukses Makmur Tbk has implemented a comprehensive performance management system, which includes performance planning, monitoring, evaluation, and employee development. However, there are several challenges related to the objectivity of performance assessments and communication between superiors and subordinates. This study provides recommendations for increasing transparency in the performance assessment process and training for managers in providing constructive feedback. Keywords: Performance Management, Employees, PT Indofood Sukses Makmur Tbk, Performance Evaluation, Employee Development
Peran Literasi Keuangan, Digital Payment System dan Penggunaan Internet Terhadap Tingkat Keberhasilan OVO Safiudin, Frumeyza Chabella; Wahjono, Sentot Imam; Mahardhika, Budi Wahyu
Improvement: Jurnal Manajemen dan Bisnis Vol 4 No 1 (2024): Vol 4 No 1 Maret 2024
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v4i1.24336

Abstract

This research aims to determine the influence of financial literacy, digital payment systems and internet use on OVO success rates partially and simultaneously. This research uses a quantitative research approach with multiple linear regression analysis methods. Data processing was carried out using the SPSS 25 application, and the technique used in this research used a simple random sampling technique, where the research sample consisted of members of the OVO user community on Telegram social media. The results of the research that has been carried out show that there is a positive and significant influence simultaneously on financial literacy, digital payment systems and internet use on the success rate of OVO with a probability value of 0.000. The t-test that has been carried out shows that there is a positive and significant partial influence on financial literacy, digital payment systems and internet use on the success rate of OVO. Keywords: Financial Literacy, Digital Payment System, Internet Use And OVO Success Rate Penelitian ini memiliki tujuan untuk mengetahui pengaruh literasi keuangan, digital payment system dan penggunaan internet terhadap tingkat keberhasilan OVO secara parsial dan simultan. Penelitian ini menggunakan pendekatan penelitian kuantitatif dengan metode analisis regresi linier berganda. Pengolahan data dilakukan dengan menggunakan aplikasi SPSS 25, serta teknik yang digunakan dalam penelitian ini menggunakan teknik simple random sampling, dimana sampel penelitian ini terdiri dari anggota komunitas pengguna OVO di sosial media Telegram. Hasil dari penelitian yang telah dilakukan menunjukkan adanya pengaruh yang positif dan signifikan secara simultan pada literasi keuangan, digital payment system dan penggunaan internet terhadap tingkat keberhasilan OVO dengan nilai probabilitas sebesar 0,000. Pada uji-t yang telah dilakukan, menunjukkan adanya pengaruh secara parsial yang positif dan signifikan pada literasi keuangan, digital payment system dan penggunaan internet terhadap tingkat keberhasilan OVO. Kata kunci: Literasi Keuangan, Sistem Pembayaran Digital, Penggunaan Internet dan Tingkat Keberhasilan OVO
Strategi Pemanfaatan P2P Lending bagi UKM untuk Meningkatkan Akses Pembiayaan Dhea Salsabilla; Sekar Ayu Rofiani; Sentot Imam Wahjono
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.238

Abstract

Usaha Kecil dan Menengah (UKM) sering menghadapi tantangan dalam mengakses pembiayaan dari lembaga keuangan konvensional karena keterbatasan agunan dan riwayat kredit yang tidak memadai. Fintech peer-to-peer (P2P) lending muncul sebagai alternatif pembiayaan yang lebih inklusif, menawarkan proses yang cepat dan persyaratan yang lebih fleksibel. Penelitian ini bertujuan untuk menganalisis strategi pemanfaatan P2P lending oleh UKM guna meningkatkan akses pembiayaan. Metode penelitian yang digunakan adalah studi literatur kualitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa P2P lending dapat menjadi solusi efektif bagi UKM, terutama yang unbankable, dalam memperoleh modal usaha. Namun, diperlukan strategi yang tepat agar pemanfaatan P2P lending dapat optimal dan berkelanjutan.
Persepsi Generasi Z Terhadap Penggunaan Bank Digital Blu Dalam Membentuk Kebiasaan Konsumsi dan Menabung Adinda Fitri Nur Karomah; Nadya Furi Karinda; Sentot Imam Wahjono
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.241

Abstract

Penelitian ini bertujuan untuk memahami Persepsi Generasi Z Terhadap Penggunaan Bank Digital Blu dalam membentuk kebiasaan konsumsi dan menabung. Dengan pendekatan kualitatif deskriptif, data diperoleh melalui wawancara mendalam terhadap informan dari kalangan generasi Z yang aktif menggunakan aplikasi Blu by BCA. Hasil penelitian menunjukkan bahwa penggunaan Blu memberikan pengalaman finansial yang berbeda bagi generasi Z. Fitur-fitur seperti tabungan otomatis, visualisasi pengeluaran, dan pembagian pos keuangan dianggap memudahkan dalam mengatur keuangan dan mendorong kebiasaan menabung secara teratur. Di sisi lain, kemudahan dalam melakukan transaksi digital justru dapat meningkatkan perilaku konsumtif karena minimnya kontrol saat berbelanja secara daring. Penelitian ini menunjukkan adanya dualitas pengaruh penggunaan bank digital terhadap perilaku keuangan generasi muda, yang bergantung pada bagaimana individu memaknai dan memanfaatkan fitur-fitur tersebut. Implikasi dari penelitian ini menunjukkan pentingnya edukasi keuangan digital yang tidak hanya berfokus pada penggunaan aplikasi, tetapi juga pada pemahaman nilai-nilai keuangan yang mendasar. Penelitian ini memberikan kontribusi terhadap kajian perilaku finansial generasi Z di era digital dan menyoroti pentingnya pendekatan berbasis pengalaman dalam memahami relasi mereka dengan teknologi keuangan.
Pengaruh Fintech Mobile Banking terhadap Perilaku Konsumtif pada Gen Z Rahayu Lutfifa; Thalita Aprilia Syahputra; Sentot Imam Wahjono
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.242

Abstract

Fenomena perkembangan teknologi finansial (fintech) khususnya layanan mobile banking telah membawa perubahan signifikan dalam cara generasi Z mengelola keuangannya. Studi ini bertujuan untuk menganalisis pengaruh penggunaan mobile banking terhadap perilaku konsumtif pada generasi Z, yang dikenal sebagai kelompok yang melek digital dan cenderung responsif terhadap kemudahan transaksi finansial. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner yang disebarkan kepada 120 responden berusia 18–25 tahun di wilayah perkotaan. Data dianalisis menggunakan regresi linier sederhana untuk mengetahui hubungan antara intensitas penggunaan mobile banking dan kecenderungan perilaku konsumtif. Hasil penelitian menunjukkan bahwa terdapat pengaruh positif dan signifikan antara penggunaan mobile banking terhadap perilaku konsumtif. Semakin sering Gen Z menggunakan mobile banking, semakin tinggi kecenderungan mereka melakukan pembelian impulsif, terutama karena kemudahan akses, promo digital, dan fitur pembayaran instan. Temuan ini mengindikasikan bahwa meskipun fintech memberikan efisiensi dan kenyamanan, penggunaannya yang tidak terkontrol dapat mendorong perilaku konsumtif yang berlebihan. Oleh karena itu, diperlukan literasi finansial yang kuat agar generasi Z dapat menggunakan teknologi finansial secara bijak dan bertanggung jawab.
Peran Financial Technology (Fintek) dalam Mendorong Inklusi Keuangan dan Pertumbuhan Ekonomi di Era Digital Muhammad Rafli Reyhan Dwi Putranto; Muhammad Rayhan Budiman; Sentot Imam Wahjono
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.244

Abstract

Perkembangan teknologi digital telah mendorong transformasi signifikan dalam sektor keuangan global, salah satunya melalui hadirnya Financial Technology (Fintek). Fintek menjadi solusi inovatif dalam menjawab tantangan keterbatasan akses layanan keuangan konvensional, terutama di negara berkembang seperti Indonesia. Penelitian ini bertujuan untuk menganalisis peran Fintek dalam mendorong inklusi keuangan dan kontribusinya terhadap pertumbuhan ekonomi di era digital. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif-deskriptif dengan dukungan data sekunder dari berbagai sumber terpercaya seperti OJK, Bank Indonesia, dan laporan industri Fintek. Hasil penelitian menunjukkan bahwa Fintek mampu memperluas akses keuangan bagi masyarakat unbanked dan underbanked melalui layanan seperti e-wallet, pinjaman digital (P2P lending), dan pembayaran berbasis aplikasi. Selain itu, Fintek juga mendorong pertumbuhan ekonomi dengan mendukung aktivitas sektor UMKM, meningkatkan efisiensi transaksi, serta mendorong inovasi keuangan. Namun, tantangan seperti keamanan data, regulasi, dan literasi keuangan tetap menjadi perhatian utama. Oleh karena itu, sinergi antara regulator, pelaku industri, dan masyarakat diperlukan untuk memaksimalkan potensi Fintek secara inklusif dan berkelanjutan.
Co-Authors Aan Saputra Abbas, Ahmad Adi Pramono Adinda Eka Rahmawati Adinda Fitri Nur Karomah Ageng Samudera Agustinu Tri Atmojo Ahmad Abbas Ahmad Saifullah Aisyah Mutiara Ramadhan Akhmad Chaerul Alvi Al Qowiy , Dafa Rasendriya Alamin, Muhammad Salman Bintang Rahmat Alamsyah, Thoriq Alfarizi, Rafly Alfian Rizki Badarudin Amalia Wilda Ananda Putri Nabila Anggraeni, Novita Fena Anis Rahmawati Ningrum Anna Marina Aprilya, Eka Aqsa, Arsyid Fadillah Arisandi Arisandi Arsana Indah Salsabillah Asmawati, A. Aufi Nur Masita Aulia Dila Agustina Awang, Risqi Ayaz, Mohammad Bagus Dwi Priyanto Bilal Baswedan Bima Sholihul Umam Brillian Yogi Al Ghifari Budi Wahyu Mahardhika Bulan Ajeng Rayhana Dahruji Dahruji Dahruji Darwis Dahlan Desipradani, Gita Dhea Salsabilla Dicky Hikam Azzuhdi Dieky Firdaus Kurniawan Dini Nur Ardila Dita Alifyah Asmara Djunarto Dwy Evanda Eko Purwanto Erni Eryanti Fadia Azahra Faisal Arief Akhmad Prasojo Fajri, Muhammad Alaika Fam Soo Fen Fam, Soo-Fen Fam, Soo-Fen Fani Tsania Putri Farrel Ariefandy Radhiya Haqqi Fen, Fam Soo Ferdy Husni Nurdin Firmansyah Firmansyah Fitria, Dinda Gabi Anggela Stepani Gambong Dwi Prakoso Halima Halima Helmi Helmi Hemy Maulana Henandiva Adiel Herlinda Putri Hidayat, Mohammad Wahyu Dwi Hindarto, Djarot Husna, Miftahul Idrawahyuni Idrawahyuni Idrawahyuni, Idrawahyuni Ilham Hilwa Zulfikar Ilham Leosta Attoillah Indah, Capriyan Latara Iqbal Bagaswara Irgi Achmad Farezi Isfahan Ali Darmawan Ismail Rasulong Ivana Meilisa Jaelani, Muhammad Noer Qamaruddin Jaesi Winda Kurniawati Jalaludin Rabbani Jati Wahyuningsih Johan Tri Arifin Judijanto, Loso Kurnoawati, Tri Luliana Riantika Putri M Sulton Rosyid Birul Walidain M. Yahya Al-Farabi Maf’ula Nurhidayah Maharani, Puan Mahendra Satria Zulkarnain Maretasari, Rina Mario Dwi Putra Marsa Duo Cikita Maulia, Hera Restika Maya Mustika Sari Maziah kholidia Medy Idrian Witrisna Miftah Farid Affandi Miftahul Husna Misbahul Millah Moch Berlian Ananda Kharisma Moch Dwi Toby Mohammad Ayaz Mohammad Rizky Ramdhani Mohammad Wahyu Dwi Hidayat Muarrofah Muarrofah, Muarrofah Mubarok, Rizky Mufida, Alfriana Zahru Muhammad afrizal Muhammad Alfin Putra Mulya Muhammad Fadil Prakoso Muhammad Fadil Prakoso Muhammad Fatih Nurrohman Muhammad Fauzan Adhima Subianto Muhammad Furqon Muhammad Hafizan Muhammad Ilham Prayogo Muhammad Makdum Ibrahim Muhammad Rafli Reyhan Dwi Putranto Muhammad Rayhan Budiman Muhammad Rayhan Yasser Nento Muhtady, Nazhir Hafni Nadia Charissa Nadya Furi Karinda Nadya Nur Kholifah Nakhla Aliyah Fitri Nashihatus Saidah Nauval Buya Dwi andhika Ningsih, Widya Kurniawati Nisa Novia Nonita Rahmatiyah Arfianty Norman Diaz Brahmantio Nur Choidah Nuris Fitra Alamsyah Nurullaili Mauliddah Oktavia Anggraini Oktaviani, Marista Putri Nur Shovia Putri, Nadhiyatul Aulia Putri, Yuli Anika Rabbani, Jalaludin Rabbina, Hammi Nikma Rafli Aldo Adriano Rahayu Lutfifa Rahim, Ahmad Ghulam Amrullah Ramadhani, Muhammad Razan, Hilmy Regal Galih Sabala Renata Aulia Zahra Hapsari Reyza Shafira Riki Kurniawan Riko Bagus Prakoso Rini Rini Falensia Riski Yuliana Risqi Awang Rizki , Moch Rizki Wakhida Kusuma Wardani Rizky Mubarok Rosyihan ihza firdaus Rovieana Rosady Sabri Balafif Safiudin, Frumeyza Chabella Sahila, Nasywania Risfa Sakhroni, Imam Salim, Rizhfa Amalia Rahmadani Samsul Hadi Samsul Rizal Samtani, Rachel Dwi Santoso, Oktavia Artikawati saputra, aan Saputra, Yusril Handardi Saputra Sari, Rita Irma Satrio Habibullah Sa’diyah, Rifka Rofidah Sekar Ayu Rofiani Sekar Galuh Septyawati Septy Ayu Ladhuri Setio Dharma Negara Siti Salbiyah Soo Fen Fam Soo, Jia Hui Soo, Jia Hui Soo-Fen Fam Sri Astini Suci Amalia Permata S Syamsul Hidayat Talitha Marcella Salsabila Teguh Santoso Thahir Lenamah Thalita Aprilia Syahputra Tihani Nafa Az Zahro Titis Rahayu Tri Danarti Tri Kurniawati Ulfiyah Qutratun Nada Umi Fatimatus zahro Vadilla, Anatasya Eka Valensia Marsha Agustin Vio Berjian Virza Setya Almindanu Wa Ode Rayyani Wahidah, Roisatul Walidain, M. Sulton Rosyid Birrul Walidul Muharrom Wardhana, Andi warsidi warsidi WIDAYAT - Wildan Alamudi Wildan hafiz Yadila Fany Asrofi Yanuar Azka Amali Yazid Jamaludin Al Azhar Yazid Jamaludin Al-Azhar Yaziid Akmal Gymnastiar Wijaya Zahara, Chintya Zidayatullah, Muhammad Hamid