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Determinan Financial Technology (FinTech) dan Dampaknya Terhadap Perilaku Keuangan UMKM Rudi Laksono; Junias Robert Gultom; Iwan Setyawan
Jurnal Ilmiah Universitas Batanghari Jambi Vol 23, No 3 (2023): Oktober
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v23i3.4522

Abstract

The presence of financial technology (fintech) brings alternative solutions for smooth business activities with various easy access. However, the solutions offered are still not fully accessible for use by MSMEs. The low financial literacy index of the Indonesian people, including MSME players, can be reflected in the financial behaviour of MSME players who take the financial system for granted; recording business financial flows is still common and only done simply. Based on this, this article aims to analyze financial behaviour as the impact of FinTech and financial literacy, as well as the role of FinTech in mediating the influence of financial literacy on financial behaviour. To find the answer, a survey method was used by involving 200 respondents in filling out a simple randomly selected questionnaire from MSMEs in the Polugadung Small Industry Village (PIK), East Jakarta. Data were analyzed using Partial Least Square - Structural Equation Modeling. The results show that FinTech and financial literacy have a significant positive influence on financial behaviour. Financial literacy also positively influences the use of FinTech, although its contribution is very low. FinTech only acts as a partial mediator between financial literacy and financial behaviour. The contribution of this study is that efforts to increase the use of FinTech in encouraging the progress of MSME players still need to be improved by the low financial literacy of MSME players, so intensive and massive efforts are needed to provide financial literacy education and training.
PELATIHAN MEMBUAT INFOGRAFIS DENGAN APLIKASI CANVA BAGI APARAT DESA TAMANSARI, BOGOR Iwan Setyawan; Junias Robert Gultom; Filda Angellia; Waskita Cahya; Aris Fatoni
Jurnal Abdi Insani Vol 10 No 4 (2023): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v10i4.1201

Abstract

The ease and speed of information provided by information technology have caused a gap between community expectations and the ability of the Tamansari Village Government, Bogor, to fulfill these expectations. First, the community expects fast information services from the village government. On the other hand, the Village Government is faced with the limited ability of village officials to provide information that can be conveyed quickly to the community. The Community Service Team intends to bridge this gap by improving the skills of Tamansari village officials, Bogor, in creating simple, engaging, and quickly distributed information. The method used is training in making infographics using the Canva application. As a result of this training, PKM partners, in this case, Tamansari Village officials, Bogor, were able to create infographics in the form of flyers regarding the requirements for processing Business Certificates (SKU) for Micro and Small Businesses. The flyers can then be distributed quickly via the WhatsApp application. With the skills to make information flyers, now Tamansari Village officials, Bogor can quickly convey information to community members. Thus, training in making infographics using the Canva application can be a solution to meeting citizens' expectations regarding the ease and speed of information services.
PENDAMPINGAN USAHA MIKRO DI DESA SUKAJADI, BOGOR DENGAN MENERAPKAN TEKNOLOGI TEPAT GUNA DALAM PROSES PRODUKSI, BRANDING, DAN PACKAGING KERIPIK TERONG Rudi Laksono; Iwan Setyawan; Ruswiati Suryasaputra; Junias Robert Gultom; Filda Angellia
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 5 (2024): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i5.1668-1676

Abstract

Layaknya seorang bayi, usaha mikro masih sangat memerlukan bantuan dari berbagai pihak, agar dapat tumbuh dan berkembang. Salah satu usaha mikro tersebut adalah Mitra PKM yang sedang merintis mengembangkan keripik terong. Hasil observasi awal teridentifikasi  kekurangan dari produk mitra, seperti keripik yang lembek, kemasan seadanya, dan belum ada identitas produknya. Tujuan dari kegiatan pengabdian kepada masyarakat (PKM) untuk membantu mengembangkan usaha keripik terong yang sedang dirintis oleh Mitra PKM. Dalam melaksanakan kegiatan tersebut dua metode digunakan, yaitu Metode Problem Solving (MPS) dan metode Pendampingan. MPS dilakukan dengan melibatkan Mitra PKM agar turut serta memperhatikan, menelaah dan berpikir kekurangan  dan kelebihan produknya untuk selanjutnya dirumuskan bersama solusinya. Metode Pendampingan dilaksanakan selama mitra mengeksekusi solusi-solusi yang sudah disepakati bersama. Hasil dari kegiatan ini adalah adanya perbaikan bentuk dan ukuran keripik terong dengan memanfaatkan teknologi yang tepat guna, standardisasi komposisi adonan tepung, packaging dalam bentuk standing pouch ziplock, dan branding “Keripik Terong Rancage”.
Legal Certainty Regarding The Implementation Of The Regulation Of The Indonesian National Police Number 8 Of 2021 Concerning The Handling Of Criminal Acts Based On Restorative Justice In Settlement Sri Sulistyawati; Iwan Setyawan; Mangaraja Manurung
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.6177

Abstract

This research aims to analyze the implementation of the restorative justice concept within the law enforcement system by the Indonesian National Police as regulated in Law Number 2 of 2002, the Chief of Police Circular Letter No. SE/8/VII/2018, and Police Regulation No. 8 of 2021. Restorative justice is a criminal case resolution approach that emphasizes restoring the condition of victims, offenders, and the community without undergoing formal judicial processes. However, in practice, inconsistencies often occur, particularly in petty theft cases, where some are resolved through restorative justice while others are processed through formal legal proceedings. This research adopts a normative juridical method supported by an empirical juridical approach and has both prescriptive and descriptive-analytical characteristics. Obstacles identified in the implementation include investigators' lack of understanding of restorative justice, a legalistic work culture among investigators, and limited public acceptance of out-of-court case resolutions. Additionally, Police Regulation No. 8 of 2021 does not specify the threshold of financial loss or consider the offender's motive, leading to varying interpretations. Therefore, regulatory reform, enhanced investigator capacity, and legal education for the public are necessary to ensure a more just and consistent application of restorative justice.