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All Journal Jurnal Manajemen dan Bisnis (Performa) Mimbar Pendidikan: Jurnal Indonesia untuk Kajian Pendidikan Jurnal Penelitian Pendidikan IMAGE Journal of Business Management Education (JBME) Jurnal Manajemen Pelayanan Publik Jurnal Manajemen dan Bisnis Indonesia Syntax Literate: Jurnal Ilmiah Indonesia Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Pendidikan Akuntansi dan Keuangan The International Journal of Business Review (The Jobs Review) Organum: Jurnal Saintifik Manajemen dan Akuntansi Jurnal Ilmiah Manajemen dan Bisnis International Journal of Communication and Society Jurnal Penelitian Ekonomi Akuntansi (JENSI) Jurnal Pengabdian Masyarakat Multidisiplin BERNAS: Jurnal Pengabdian Kepada Masyarakat JURNAL APARATUR International Journal of Community Service Daengku: Journal of Humanities and Social Sciences Innovation JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Apollo: Journal of Tourism and Business Jurnal Pengabdian Tri Bhakti Atestasi : Jurnal Ilmiah Akuntansi
Budhi Pamungkas Gautama, Budhi
Universitas Pendidikan Indonesia
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UNDERSTANDING UPI STUDENTS' PERCEPTIONS AND FINANCIAL BEHAVIORS TOWARD CRYPTOCURRENCY: A QUALITATIVE STUDY Kayrdinov Aziz Muradovich; Maya Sari; Budhi Pamungkas Gautama
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 4 No 1 (2025): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v4i1.138

Abstract

This study explores the perceptions and financial behaviors of final-year Accounting and Management students at Universitas Pendidikan Indonesia (UPI) toward cryptocurrency. Using a qualitative approach, data were collected through semi-structured interviews with eight students. Findings reveal that while participants are aware of cryptocurrency, their understanding is often shaped by informal sources such as social media and peers, rather than academic instruction. Key themes include curiosity, emotional decision-making, peer influence, and skepticism due to volatility and lack of trust. The study highlights a significant educational gap in university curricula regarding digital finance, suggesting a need for more structured financial literacy programs. Thematic analysis further underscores the influence of behavioral finance concepts such as FOMO, loss aversion, and social proof in shaping student engagement with crypto assets.
FINANCIAL INCLUSION AND THE ROLE OF BANKS IN EXPANDING ACCESS TO FINANCIAL SERVICES Rojabov Hakimboy; Budhi Pamungkas Gautama; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.278

Abstract

Financial inclusion has become a central development priority because it links household welfare, enterprise growth, resilience, digital transformation, and long-term social inclusion. This article examines financial inclusion through the specific lens of the banking sector and analyses how banks expand access to payments, savings, credit, insurance, and digital financial services for underserved populations. Using a structured literature review, the paper synthesises scholarship on financial access, bank outreach, branch expansion, agent banking, mobile banking, digital onboarding, consumer protection, and small business finance, with particular attention to Uzbekistan. The review shows that banks remain pivotal institutions because they combine deposit mobilisation, risk management, regulatory accountability, payment infrastructure, and the ability to intermediate funds at scale. At the same time, access alone is not sufficient. Sustainable inclusion depends on affordability, service quality, trust, financial capability, gender-sensitive product design, last-mile delivery channels, and user protection. The article concludes that banks are most effective when they move beyond traditional branch-centred models and integrate digital channels, simplified products, data-informed credit assessment, partnerships with non-bank providers, and targeted strategies for women, youth, rural households, migrants, and MSMEs. For Uzbekistan, the next stage of financial inclusion will depend on stronger digital payments usage, broader savings mobilisation, reduced exclusion in MSME finance, and more relevant formal financial services in everyday economic life.
FINANCIAL ALLOCATION FOR SUSTAINABLE LANDFILL MANAGEMENT IN UZBEKISTAN Shomurodov Sarvarbek; Budhi Pamungkas Gautama; Heny Hendrayati; Inomjon Qudratov
JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA) Vol 5 No 1 (2026): JURNAL EKONOMI BISNIS DAN MANAJEMEN (EKO-BISMA)
Publisher : PUBLISHER ABISATYA DINAMIKA ISWARA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58268/eb.v5i1.281

Abstract

This study analyzes how financial resources should be allocated in Uzbekistan’s landfill-based municipal solid waste system to improve ecological performance and economic sustainability. The article is adapted from the author’s original IMRAD manuscript and reorganized to match the Abisatya Eko-Bisma journal template . The study uses documentary analysis, comparative literature review, scenario modeling , and multi-criteria assessment to compare four allocation strategies: business-as-usual, landfill-first, circular-recovery, and an integrated hybrid model . The results show that simply spending money on disposal sites won't make landfills work better. Putting together a financing package that includes all of the following is the best way to do this: better collection , better transfer logistics , clean landfills , controlling methane and leachate, digital billing , and slowly recovering materials . Putting landfills first makes it easier to follow the rules , but it doesn't work as well for circularity and getting money back over time . It's hard to put a model that relies heavily on recycling into action if collection reliability and engineered disposal capacity aren't always reliable . A hybrid allocation model that is backed by tariff reform, better data systems, extended producer responsibility , and climate-linked financing is the best way to go . The research shows that Uzbekistan can move from a system where people only use landfills when they need to to a public utility model. This model is more stable, protects the environment, makes services more reliable, and helps the economy move to a more circular model .
Pemberdayaan UMKM Geoproduk Berbasis Speculative Design dan Gen-AI Untuk Storytelling di Desa Margacinta Pangandaran Ayu Krishna Yuliawati; Mohamad Sapari Dwi Hadian; Rofi Rofaida; Budhi Pamungkas Gautama; Danish Febrianto Putra; Asti Nur Aryanti; Riza Saepul Millah
Jurnal Pengabdian Tri Bhakti Vol 8 No 1 (2026): Jurnal Pengabdian Tri Bhakti
Publisher : LPPM Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70825/jptb.v8i1.2389

Abstract

Pangandaran, as one of West Java’s leading tourist destinations, possesses distinctive geodiversity and biodiversity as well as micro small and medium enterprises (MSMEs) that play a vital role in the local economy. However, competition among destinations, limited digital promotion innovation, and the underutilization of local uniqueness remain challenges for the development of geo-based products. This community service program (PkM) aimed to enhance the capacity of SMEs in Margacinta Village through training on product development and social media marketing based on speculative design with a participatory approach and Generative AI usage. The methods included needs assessment, speculative design training, digital storytelling workshops, and monitoring and evaluation. The results indicated improved knowledge and skills of SMEs in designing products rooted in geological and biological uniqueness and in utilizing social media for story-based promotion. The speculative design intervention proved effective in fostering product innovation and digital marketing strategies. Outputs included educational videos, media publications, and a replicable empowerment model for SMEs, contributing to local economic strengthening, sustainable tourism development, and the achievement of the Sustainable Development Goals (SDGs).
Co-Authors Abiali Al-Ikhsan Abubakar Abubakar Arciana Damayanti Arciana Damayanti Asep Miftahuddin Askolani Askolani, Askolani Asrifah, Cici Asti Nur Aryanti Asti Nur Aryanti Cici Asrifah Danish Febrianto Putra Davu Raissa Elazar Dibias Lazuardi Maulid Diinan Nur Khulaidah Endah Fitriyani Ferel Rizqia Maulana Gina Sofiasani Gina Sofiasani, Gina Hari Mulyadi, Hari Heny Hendrayati Igga Zhandraverina Ikaputera Waspada, Ikaputera Ilma Indriasri Pratiwi Indriana Agusti, Nila Inomjon Qudratov Juliana Juliana Kayrdinov Aziz Muradovich Krishna Yuliawati, Ayu Krishna, Yuliawati Lazuardi Imani Hakam Lazuardi, Dibias Maman Fathurohman, Cecep Maya Sari Maya Sari Miftahuddin, S.Si.,MAB., asep Mohamad Sapari Hadian Muhammad Apriandito Arya Saputra Nada Kirana Octavia Nanang Fattah Netti Siska Nurhayati Nurhayati Siska Perdana, Yoga Rahayu, Siscania Yoanita Permata Riki Abu Brantas Riza Saepul Millah Rizka Annisa Rizqiana Arifatul Husna Rofi Rofaida Rojabov Hakimboy Ruhadi Ruhadi Salsabila Sidiq, Aina Shomurodov Sarvarbek Siscania Yoanita Permata Rahayu Siska, Nurhayati Sumarto Sumarto Surachman, Eka Suryana Suryana Wulung, Shandra Rama Panji Yuliawati Krishna Yuniar Haryati, Yuniar