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All Journal Jurnal Organisasi Dan Manajemen Jurnal Ekonomi & Keuangan Islam JAIM (Jurnal Abdi Masyarakat) Jurnal Pengabdian kepada Masyarakat Nusantara BISMA (Bisnis dan Manajemen) International Journal of Tourism and Hospitality in Asia Pasific Journal of the Community Development in Asia Journal of International Conference Proceedings Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Risna Wijayanti
Brawijaya University
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Strengthening Village-Owned Enterprises (BUM Desa) and Joint Village-Owned Enterprises (BUM Desa Bersama) with Corporations Harlina Sulistyorini; Margono Setiawan; Sumiati Sumiati; Risna Wijayanti; Ananto Basuki
Journal of The Community Development in Asia Vol 6, No 3 (2023): September 2023
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v6i3.2165

Abstract

BUM Desa/BUM Desa Bersama requires guidance and development from government and private sectors. BUM Desa/BUM Desa Bersama can cooperate with corporations for its future development. This study aims to formulate an effective collaboration model between BUM Desa/BUM Desa Bersama and corporations that contains the following substances: 1) Identifying and analyzing the need for collaboration for BUM Desa/BUM Desa Bersama with corporations; 2) Identifying obstacles in collaboration between BUM Desa/BUM Desa Bersama and corporations; 3) Formulating effective solutions in overcoming the obstacles that arise; 4) Finding lessons learned and success factors; and 5) Formulating a collaboration model for BUM Desa/BUM Desa Bersama with corporations. This study is a collaboration between BUM Desa in Malang Regency and Batu City with a corporation that is only limited to agents-based services. BUM Desa is an extension of the corporation’s business ventures in rural areas. Financial income from the collaboration is less significant, so it is said to be the social goal of BUM Desa. This collaboration does not pose a problem since BUM Desa represents the corporation's interest and acts as directed. BUM Desa does not make policies and decisions that can increase its own profits. This collaboration is not entirely detrimental to BUM Desa, but does not contribute enough and has an economic impact on improving the village’s community welfare.
Reframing MSME Sustainability through Contextualized Islamic Law and Local Wisdom: Financial Knowledge, Risk-Taking, and Dynamic Capability Perspective Yuli Agustina; Sumiati Sumiati; Siti Aisjah; Risna Wijayanti
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 13, No 1 (2026): January-June
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v13i1.10860

Abstract

Eco-friendly small and medium enterprises (SMEs) increasingly face sustainability challenges driven by financial uncertainty, competitive pressure, and environmental responsibility. This study examines how financial knowledge, financial skills, and financial risk-taking influence SME sustainability, while testing the mediating role of dynamic capability and the moderating role of local wisdom. Grounded in the dynamic capability framework, this research argues that financial competence alone is insufficient unless entrepreneurs can transform resources into adaptive and innovative capabilities. A quantitative approach was employed using survey data collected from eco-friendly SME owners across East Java Province, Indonesia. The proposed moderated mediation model was analyzed using Structural Equation Modeling (SEM). The results demonstrate that financial knowledge, financial skills, and risk-taking behavior significantly enhance SME sustainability. Moreover, dynamic capability partially mediates these relationships, indicating that financial competence contributes to sustainability primarily through the ability to sense opportunities, seize strategic actions, and reconfigure resources in response to market and environmental changes. The moderation analysis further reveals that local wisdom strengthens the relationship between financial competence and dynamic capability, as well as its subsequent effect on sustainability. These findings highlight that culturally embedded values and community-based practices enhance entrepreneurial resilience and support sustainable decision-making. This study contributes theoretically by integrating financial behavioral factors, dynamic capability theory, and local cultural context into a unified sustainability model for SMEs. From the perspective of Contextualized Islamic Law, these findings resonate with the principles of maqāṣid al-sharīʿah, particularly the preservation of wealth (ḥifẓ al-māl), public welfare (maṣlaḥah ʿāmmah), social cooperation (taʿāwun), and environmental protection (ḥifẓ al-biʿah), which collectively provide a normative foundation for sustainable entrepreneurship. Accordingly, the sustainability of eco-friendly SMEs may be understood not only as an economic objective but also as the realization of Islamic ethical values through the integration of financial competence, adaptive capability, and local wisdom. Practically, the study suggests that SME development programs should emphasize not only financial education but also capability-building interventions aligned with local wisdom to strengthen long-term sustainability in green-oriented enterprises
The Indebtedness of Generation Z in Using Buy Now, Pay Later: The Mediating Role of Materialism (A Study of BNPL Users in Jabodetabek) Muhammad Giffari Dewantara; Nur Khusniyah Indrawati; Risna Wijayanti
Jurnal Organisasi dan Manajemen Vol. 22 No. 1 (2026)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jom.v22i1.13522.2026

Abstract

Purpose – The rising popularity of Buy Now, Pay Later (BNPL) services has been accompanied by growing concerns regarding over-indebtedness. Therefore, this study aims to examine the relationships among financial literacy, risk perception, materialism, and indebtedness within the context of Generation Z BNPL users in Jabodetabek.  Methodology – A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze the relationships among variables. Data were collected from 315 BNPL users selected through purposive sampling via an online questionnaire. Findings – The findings show that financial literacy and risk perception play crucial roles in managing indebtedness among Generation Z BNPL users in Indonesia. However, materialism acts as a mediating mechanism, whereby the pursuit of happiness and social status through possessions connects financial literacy and risk perception to higher levels of indebtedness. Originality – This study offers originality by focusing on the mediating role of materialism in the relationships between financial literacy, risk perception, and indebtedness within the Indonesian BNPL context.
PELATIHAN PENGELOLAAN KEUANGAN SEBAGAI STRATEGI PEMBERDAYAAN UMKM KERAJINAN SASIRANGAN DI KOTA BANJARMASIN Risna Wijayanti; Noorsy Zidna Nabiela
Jurnal Abdi Masyarakat Vol. 9 No. 2 (2026): Jurnal Abdi Masyarakat Mei 2026
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/jaim.v9i2.7403

Abstract

UMKM kerajinan sasirangan di Kota Banjarmasin berperan strategis dalam mendukung perekonomian lokal sekaligus melestarikan budaya daerah. Namun, keberlanjutannya masih terkendala lemahnya pengelolaan keuangan, seperti rendahnya literasi keuangan, pencampuran keuangan pribadi dan usaha, serta tidak adanya pencatatan sistematis. Penelitian ini bertujuan menganalisis peran pelatihan dan pendampingan pengelolaan keuangan dalam meningkatkan literasi dan praktik keuangan UMKM sasirangan. Metode yang digunakan adalah pengabdian kepada masyarakat melalui pelatihan dan pendampingan luring. Data diperoleh dari observasi, wawancara singkat, hasil praktik peserta, dan dokumentasi kegiatan. Hasil menunjukkan peningkatan pemahaman serta perubahan praktik, terutama dalam pemisahan keuangan, pencatatan transaksi harian, dan penyusunan laporan laba rugi serta arus kas sederhana. Peserta juga lebih siap memahami persyaratan akses pembiayaan formal. Kesimpulannya, pelatihan aplikatif berperan penting memperkuat kapasitas UMKM berbasis budaya lokal
Co-Authors AINUR ROFIQ Ananto Basuki Atim Djazuli Choirul Nikmah Fitriana Rahmawati Hanifa Bennu Nur Harlina Sulistyorini Himmiyatul Amanah Jiwa juwita Himmiyatul Amanah Jiwa Juwita Margono S. Moeljadi Moeljadi Muhammad Giffari Dewantara Noorsy Zidna Nabiela Novita Rahayu Pratiwi Nur Khusniyah Indrawati Pusvita Yuana Siti Aisjah Sumiati . Sumiati Sumiati Suseno Haji Wahdiyat Moko Yovita Leyla Pradipta Yuli Agustina