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Banking Resilience Under Geopolitical Risk: The Moderating Role of Gender Diversity Deny Hidayat; Sakifah Sakifah; Ageng Asmara Sani; Dedeh Sri Sudaryanti
International Journal of Management Research and Economics Vol. 4 No. 3 (2026): August : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v4i3.4819

Abstract

This study assessed the impact of Geopolitical Risk (GPR) on bank performance and the role of gender diversity in that relationship. The study used panel data from 41 banks listed on the Indonesia Stock Exchange over the 2017–2025 period ( 369 observations). Bank performance is measured using Return on Assets (ROA), while the control variables used include bank size, Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Loan-to-Deposit Ratio (LDR). The analysis was conducted using a Random Effects Model with robust standard errors. The results show that GPR has a positive and significant effect on ROA. This means that an increase in geopolitical risk during the study period was not accompanied by a decline in bank profitability. Gender diversity was also found to moderate this relationship in a negative direction; thus, the higher the gender diversity, the weaker the positive effect of GPR on ROA. Regarding the control variables, bank size has a positive effect on ROA, while NPL has a negative effect. Meanwhile, CAR and LDR do not have a significant effect on ROA. The results indicate that banks’ responses to geopolitical risks are not only related to external conditions but are also influenced by governance characteristics and the quality of the bank’s internal management.
Coconut Value Co-Creation: Diversifikasi Virgin Coconut Oil menjadi Sabun Cair Herbal untuk Penguatan UMKM: Coconut Value Co-Creation: Diversifying Virgin Coconut Oil into Herbal Liquid Soap to UMKM Strengthen Dedeh Sri Sudaryanti; Andri Helmi Muanwar; Hetty Patmawati; Ana Sakinatun Nisa; Dim Zarita Suryanugraha; Cindera Syaiful Nugraha
Sahabat Sosial: Jurnal Pengabdian Masyarakat Vol. 4 No. 4 (2026): Sahabat Sosial: Jurnal Pengabdian Masyarakat (September)
Publisher : Asosiasi Guru dan Dosen Seluruh Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59585/sosisabdimas.v4i4.1522

Abstract

Desa Emplak, Kecamatan Kalipucang, Kabupaten Pangandaran, memiliki luas wilayah sekitar 1.016 hektare dengan jumlah penduduk sekitar 2.404 jiwa dan sekitar 90 unit usaha mikro, kecil, dan menengah (UMKM) pada sektor kuliner, olahan kelapa, dan produk rumah tangga. Kelapa merupakan komoditas yang melimpah di desa ini, namun pemanfaatannya masih terbatas pada penjualan bahan mentah dan produk tradisional bernilai ekonomi rendah. Kegiatan pengabdian kepada masyarakat Coconut Value Co-Creation bertujuan meningkatkan kapasitas masyarakat dalam mengolah kelapa menjadi Virgin Coconut Oil (VCO) dan mendiversifikasinya menjadi sabun cair herbal bernilai tambah. Kegiatan dilaksanakan pada Kamis, 16 Juli 2026 dan diikuti oleh 35 peserta yang terdiri atas pemilik UMKM, ibu-ibu PKK, karang taruna, pegawai desa, dan tokoh masyarakat. Metode pelaksanaan menggunakan pendekatan pemberdayaan masyarakat berbasis potensi lokal yang meliputi sosialisasi dan identifikasi kebutuhan, pelatihan produksi VCO dan sabun cair herbal, penerapan teknologi tepat guna, pendampingan manajemen usaha dan pemasaran, serta evaluasi dan penguatan keberlanjutan program. Materi pelatihan mencakup pengenalan bahan dan fungsinya, prosedur keselamatan kerja, tahapan pembuatan sabun cair herbal berbasis VCO melalui metode saponifikasi kalium hidroksida (KOH), pengemasan dan pelabelan produk, serta perhitungan biaya produksi sebagai dasar penetapan harga jual. Hasil kegiatan menunjukkan peningkatan pemahaman peserta mengenai pengolahan kelapa bernilai tambah, tumbuhnya keterampilan produksi sabun cair herbal, serta pemahaman awal mengenai pengemasan dan penentuan harga jual produk. Kegiatan ini diharapkan mendorong lahirnya usaha mikro baru berbasis komoditas kelapa serta memperkuat perekonomian masyarakat Desa Emplak secara berkelanjutan.  
Assessing The Causal Relationship Between Payment Gateway Integration, Financial Literacy, and MSME Financial Performance Dedeh Sri Sudaryanti; Andri Helmi Munawar; Yuyun Yuniasih
BanKu: Jurnal Perbankan dan Keuangan Vol 6, No 1 (2025): Volume 6, Nomor 1, Februari 2025
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/banku.v6i1.17022

Abstract

Micro, small, and medium enterprises (MSMEs) play a crucial role in supporting Indonesias economic growth; however, their financial performance often remains limited due to low financial literacy and suboptimal technology adoption. This study aims to examine the influence of payment gateway integration and financial literacy on the financial performance of MSMEs by employing a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from 100 active MSME owners through an online questionnaire and analyzed using SmartPLS 3.2.7. The findings reveal that both payment gateway usage and financial literacy have positive and significant effects on MSME financial performance. The R value of 0.317 indicates that these variables jointly explain 31.7% of the variance in financial performance, with financial literacy showing a medium effect size and payment gateway a smaller yet significant effect. The study confirms that digital payment adoption improves transaction efficiency and security, while financial literacy enhances financial planning, budgeting, and risk management capabilities. Theoretically, this research extends the Technology Acceptance Model (TAM) and the Theory of Reasoned Action (TRA) by highlighting the complementary relationship between technological adoption and cognitive financial competence. Practically, the results suggest that MSME managers and policymakers should prioritize digital finance adoption and financial literacy training to strengthen financial resilience and sustainability. Overall, this study provides empirical evidence that combining digital innovation with financial education can significantly improve MSME performance and promote inclusive economic development in emerging economies.Keywords: Payment Gateway; Financial Literacy; Financial Performance; MSMEs; Fintech; Digital Transformation.