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All Journal Managament Insight: Jurnal Ilmiah Manajemen EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Pengabdian Masyarakat Bumi Raflesia Jurnal Akuntansi, Manajemen dan Bisnis Digital Jurnal Dehasen Untuk Negeri Journal of Management, Economic, and Accounting Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Jurnal Gotong Royong Jurnal Ekonomi, Manajemen, Bisnis, dan Akuntansi Social Sciences Journal Jurnal Karya Nyata Pengabdian
Kresnawati Kresnawati
Universitas Dehasen Bengkulu
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Financial Performance Of Bumdes Maju Bersama, Durian Sebatang Village, South Bengkulu Regency Cindy Ramadani; Kresnawati Kresnawati; Iswidana Utama Putra
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 3 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jemba.v3i1.1447

Abstract

The purpose of this study is to determine the financial performance of BUMDes Maju Bersama in Durian Sebatang Village, South Bengkulu Regency, during the 2022–2024 period. This research uses an explanatory research method. The results of the study show that the Liquidity Ratio (Current Ratio): BUMDes Durian Sebatang Village shows that the company's liquidity condition has increased from 1.33 in the year of 1999 with poor criteria, in 2023 to 1.53 quite good, in 2024 to 1.62 with fairly good criteria. Activity Ratio: Total Assets Turnover shows an increase in the efficiency of asset use in 2022 by 3.04% with good criteria, in 2023 by 6.76% with very good criteria and in 2024 by 12.7 with very good criteria. Solvency Ratio: Debt to Equity Ratio (DER) of BUMDes is 0% during 2022-2024, indicating that BUMDes is fully funded by equity and does not rely on debt, Profitability Ratio: Net Profit Margin (NPM) shows the calculation results for 2022 of 3.4% with less criteria, in 2023 of 6.8% with sufficient criteria, and in 2024 of 1.3% with very less criteria. Return on Equity (ROE): shows the standard results of Return On Equity (ROE) calculations from 2022-2024, the calculation results for 2022 of 3.4% with very less criteria, in 2023 of 7.13% with less criteria, and in 2024 of 7.5% with less criteria. Return on Assets (ROA) shows the standard results of the Return on Assets (ROA) calculation from 2022 to 2024. The calculation results for 2022 were 3%, which is considered inadequate, in 2023 it was 6%, which is considered adequate, and in 2024 it was 1%, which is considered very inadequate.
Fintech Services In Financial Inclusion In Jeranglah Rendah Village, South Bengkulu Regency Pongki Resmala Puteri; Kresnawati Kresnawati; Iswidana Utama Putra
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 1 (2026): Januari
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i1.9829

Abstract

This study aims to analyze the role of financial technology (fintech) services in financial inclusion in Jeranglah Rendah Village, South Bengkulu Regency. This research employed a descriptive quantitative method using a survey approach with questionnaires distributed to 60 respondents who are active users of fintech services. The results show that fintech services have a positive and significant impact on improving access, usage, and quality of financial services in rural communities. Fintech simplifies transactions, expands access to formal financial institutions, and enhances economic efficiency. However, challenges remain, such as limited digital infrastructure and low financial literacy among some villagers. The findings highlight the importance of fintech as a digital tool to accelerate financial inclusion in rural areas and emphasize the need for government support in improving digital literacy and financial infrastructure.
Business Development Strategy For Sale Pisang Mak Mixsyen In Suka Jaya Village, South Bengkulu Emilda Rahmadania; Kresnawati Kresnawati; Rina Trisna Yanti
Journal of Management, Economic, and Accounting Vol. 5 No. 1 (2026): January
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i1.1011

Abstract

Micro, small and medium enterprises (MSMEs) contribute more than 61% to the national Gross Domestic Product (GDP) and employ more than 97% of the workforce in Indonesia. The MSME sector has a high adaptability, especially in commodity-based businesses that utilise the potential of local natural resources. The purpose of this study is to determine strategies that encourage the development of the Sale Pisang Mak Mixsyen business in Suka Jaya Village, South Bengkulu, and to formulate appropriate development strategies through SWOT analysis and the determination of strategic priorities using the Analytical Hierarchy Process (AHP) method. This research method uses a descriptive qualitative-quantitative research type. This research was conducted at the Sale Pisang Mak Miksen MSME. The data collection techniques were interviews and SWOT questionnaires. The data analysis techniques used in this study were SWOT matrix calculations and strategy weighting using the Analytical Hierarchy Process (AHP). The results of the study showed that the factors in the development of the ‘Mak Mixsyen’ banana sale business were that the product had a distinctive taste and was durable (strength) with a score of 1.74, limited capital, few product variants, and unstructured business management (weaknesses) with a score of 1.05, the use of digital technology and government support for MSMEs (opportunities) with a score of 1.92, and unstable raw material prices (threats) with a score of 0.64. Based on the SWOT analysis results, the appropriate strategic alternative for developing the ‘Mak Mixsyen’ banana sale business is in Quadrant I with coordinates 0.68:1.28, namely the S-O strategic alternative, which includes improving quality and adding variants, utilising social media for promotion, and utilising government support for MSMEs. The AHP results prioritise the strategic alternatives for developing the ‘Mak Mixsyen’ banana sale business as improving quality and adding variants, utilising social media for promotion, and utilising government support for MSMEs, as well as improving business management
The Effect of QRIS Use on the Safety of Cashless Transactions in UMKM in Bengkulu City Kresnawati Kresnawati; Jeanifah Triana; Depiana Wulandari; Dea Amanda; Silvana Firtasuli; Yumi Adelia Fateha; Cindy Apriyani Natasya
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1205

Abstract

Along with the development of digitalization in the banking sector, Bank Indonesia and the Indonesian Payment System Association (ASPI) have created a non-cash payment innovation in the form of QRIS (Quick Response Code Indonesian Standard). QRIS makes it easy for users to make fast and secure digital transactions, especially for Micro, Small and Medium Enterprises (MSMEs). This study aims to analyze the effect of QRIS usage on the safety of cashless transactions among MSMEs in Bengkulu City. The method used is a descriptive quantitative approach, with data collected through interviews and Google Forms. The data obtained from the questionnaire was analyzed using a descriptive statistical approach and simple linear regression testing with the help of IBM SPSS Statistics 27 software.
The Effectiveness of Fintech in Supporting the Performance of Bengkulu's Kalamansi Syrup SMEs Wagini Wagini; Kresnawati Kresnawati; Muhamad Sholahudin Almagribi; Nyimas Asti Mutiarani; Rahma Oktapiani; Tiara Ikshaliana; Urba Tian Sari; Rendy Lesmana
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1206

Abstract

This study evaluates the extent to which Financial Technology (Fintech), particularly mobile banking from Bank Bengkulu, contributes to the ease of conducting digital transactions and the performance of “Sahabat Kita” MSMEs that produce Bengkulu's signature kalamangsi syrup. Using a descriptive qualitative approach, data was collected through interviews, direct observation, and document collection. The findings of this study indicate that mobile banking makes an important contribution to simplifying the transaction process, promoting efficiency, and expanding the market reach for MSMEs, despite challenges related to digital literacy and information security. It can be concluded that Fintech successfully supports MSME performance through a payment system that is easy and accessible to many parties.
The Impact of Digital Wallet Use (Fintech Payment) on Students’ Personal Financial Management DANA Application Users Neri Susanti; Kresnawati Kresnawati; Nabilla Dwi Sakina; Gita Rafika Rahma; Cemas Astiana; Suiska Minarti; Meta Riana; Evi Febriani
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1207

Abstract

This study aims to analyze the impact of digital wallet usage, specifically the DANA application, on the personal financial management of university students. Using a quantitative survey approach, data was collected from students who actively use DANA in their daily financial transactions. The findings indicate that the intensity of digital wallet usage significantly influences students' financial management, particularly in monitoring expenditures and accessing transaction histories. Promotional features such as cashback and discounts have also been proven to increase students' consumption behavior. The study further shows that digital financial literacy plays a crucial role in ensuring responsible use of digital payment tools. These results imply the need for enhanced financial literacy education in higher education institutions to support healthy financial behavior among young digital users.
Peran Program Kkn-T Di Lingkungan Rt 02 Pematang Gubernur Tri Andara Ayu; Aldiansyah Putra; Diup Anggara; Muhammad Alfikri; Kresnawati Kresnawati; Fitrah Ramdani; Ranny Fitri Imran; Ida Ayu Made Er Meytha Gayatri; Feby Elra Perdima
Jurnal Karya Nyata Pengabdian Vol. 2 No. 2 (2026): April
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jknp.v2i2.582

Abstract

Program Kuliah Kerja Nyata Tematik (KKNT) Kelompok 27 Universitas Dehasen Bengkulu dilaksanakan di RT 02 Kelurahan Pematang Gubernur, Kecamatan Muara Bangkahulu, pada periode 22 Desember 2025 hingga 19 Januari 2026. Berdasarkan pemetaan awal, ditemukan permasalahan utama berupa nomor rumah warga yang tidak runtut, lingkungan pemukiman yang kurang bersih, serta kurangnya kegiatan pembinaan pendidikan keagamaan bagi anak, khususnya pembelajaran mengaji dan pemahaman ibadah. Solusi program disusun dalam tiga kegiatan utama, yaitu pendataan dan penomoran ulang 101 rumah warga secara door to door, gotong royong bersama masyarakat pada area masjid dan lingkungan rumah warga, dan pembelajaran agama Islam berupa mengaji, hafalan surah pendek, serta praktik sholat bagi sekitar 15 anak selama tiga minggu. Hasil pelaksanaan menunjukkan administrasi wilayah lebih tertata, kebersihan lingkungan meningkat, dan partisipasi warga serta motivasi anak mengikuti pembinaan keagamaan semakin tinggi. Program ini membuktikan bahwa kolaborasi mahasiswa dan masyarakat mampu meningkatkan kesadaran lingkungan pada tingkat komunitas.
Survival Strategies Of UMKM In Bengkulu City In Facing Inflation (Phenomenological Study) Yerni Puspita Sari; Ahmad Soleh; Kresnawati Kresnawati
Social Sciences Journal Vol. 2 No. 2 (2026): February
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/soc.v2i2.438

Abstract

The purpose of this study was to determine the survival strategies of UMKM in Bengkulu City in facing inflation. This research method used descriptive qualitative and quantitative research, often referred to as mixed methods. A phenomenological study with SWOT analysis was used as qualitative research. Furthermore, the use of SWOT, EFE, IFE, IE, and QSPM matrices, all in numerical form, constitutes quantitative research. The research sample consisted of five UMKM operating as Padang restaurants in Bengkulu City. The data analysis technique used was descriptive qualitative and quantitative. The results of the study showed a total IFAS score of 2.73 and EFAS from the SWOT analysis of 3.10, placing the business position in Quadrant I (aggressive strategy) which means that the strategy is more emphasized on the strengths and opportunities that are owned, namely the quality of Minang's distinctive taste, customer loyalty, and strategic location of the business. The results of the QSPM (Quantitative Strategic Planning Matrix), the alternative strategy that is the main priority is the strategy chosen with the highest number of weight values, where the strategy is a market penetration strategy with a TAS (Total Attractive Score) value of 6.55 which means Expanding promotions through social media and digital platforms.
Peningkatan Kesejahteraan Masyarakat Melalui Pengembangan Potensi Lokal Di Desa Sukasari Kecamatan Periukan Kabupaten Seluma Provinsi Bengkulu Zahrah Indah Ferina; Kresnawati Kresnawati; Neri Susanti; Wagini Wagini; Yun Fitriano
Jurnal Pengabdian Masyarakat Bumi Rafflesia Vol. 2 No. 1 (2019): Jurnal Pengabdian Masyarakat Bumi Raflesia
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Indonesia merupakan Negara agraris, dimana penduduknya sebagian besar merupakan petani. Indonesia dianugrahi Sumber Daya Alam yang sangat berlimpah akan tetapi kondisi yang sangat menguntungkan itu berbanding terbalik dengan keadaan Indonesia sekarang ini. Pertanian memiliki produktifitas tenaga kerja yang rendah dan juga didominasi oleh tenaga kerja tidak dibayar (pekerja keluarga), sehingga pertumbuhan yang terjadi pada lapangan usaha ini belum mampu memberikan manfaat banyak terhadap kesejahteraan masyarakat (petani). Hal ini dapat kita lihat   di desa Sukasari  kecamatan Periukan kabupaten Seluma. Potensi pertaniannya belum dimaksimalkan dengan baik, maka kami team pengabdian dari Fakultas Ekonomi Univeristas Dehasen  membagi informasi dan ilmu bagaimana memaksimalkan potensi alam dari desa Sukasari ini. Diharapakan pengabdian ini dapat memberikan kontribusi kepada warga sekitar yang diberikan materi tentang kewirausahaan dan pemaksimalan potensi desa. Tentu desa Sukasari memiliki potensi yang besar untuk memaksimalkan hasil dari Sumber Daya Manusianya.yaitu dengan memanfaatkan potensi kelapa dan serai
The Contribution Of Food Sector Cooperatives To Food Security And The Free Nutritious Meals Program: A Case Study Of The UPI Melati Mekar Jaya SME Center Producers’ Cooperative, North Bengkulu Kresnawati Kresnawati; Metriko Haderian; Yenisrida Yenisrida; Putra Pernales; Pedi Herwanto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.11596

Abstract

The national priority programs on food security and the Free Nutritious Meals (MBG) initiative require the active participation of cooperatives and food-sector SMEs. This study aims to analyze the contribution of the UPI Melati Mekar Jaya IKM Producer Cooperative in North Bengkulu Regency in supporting food security and the MBG program. Method: A quantitative descriptive approach with a single case study design using 56 monthly transactions of actual sales report data from November 2025 to April 2026. Analysis was conducted using the FAO’s four pillars of food security framework, SWOT analysis, and a Fishbone diagram. Results: Total sales over six months reached Rp411,869,400, with animal protein products accounting for 72.3%. Sales trends were fluctuating (CAGR 18.2%; coefficient of variation 38.5%). The SWOT analysis indicates a Quadrant I position (aggressive strategy) with an IFAS score of 3.38 and an EFAS score of 3.19. Three of the four FAO pillars are met, but the stability pillar remains weak. Four main gaps were identified: production capacity, food safety and nutrition standardization, access to financing, and institutional coordination. Conclusion: Cooperatives possess real capacity as strategic partners of the government, but require strengthening of production capacity and access to capital. Novelty: This study presents empirical evidence based on six months of real transaction data, mapping of the supply chain to SPPGs, and explicit identification of implementation gaps.
Co-Authors Afrijal, Gustian Ahmad Soleh Ahmad Soleh Aldiansyah Putra Alfajar, Muhammad Imam Andriyani Prawitasari Andy Mulyana Asty Eka Fitriani Aswar Aswar Cahya, Andika Cemas Astiana Cindy Apriyani Natasya Cindy Ramadani Dea Amanda Dennis Ryanto Tambu Depiana Wulandari Dita Winastia Putri Diup Anggara Dodi Hardinata Emilda Rahmadania Evi Febriani Falentino, Feby Feby Elra Perdima Fitrah Ramdani Fitri Kurniawati Gayatri, Ida Ayu Made Er Meytha Gita Rafika Rahma Hanila, Siti Indriana Indriana Iswidana Utama Putra Jeanifah Triana Karona Cahya Susena Meta Riana Metriko Haderian Muhamad Sholahudin Almagribi Muhammad Alfikri Nabilla Dwi Sakina Nasution, Suswati Neri Susanti Nupsi, Nupsi Nurnaini Nurnaini Nyimas Asti Mutiarani Pedi Herwanto Pongki Resmala Puteri Putra Pernales Putriani, Ririn Rahma Oktapiani Rahmat Hidayat Ranny Fitri Imran Rendy Lesmana Rina Trisna Yanti Setini, Made Silke Sachanovrissa Silvana Firtasuli Sirwan Mayudi Sri Handayani Suiska Minarti Suwarni Suwarni Suwarni Tawakal, Anzori Tiara Ikshaliana Tri Andara Ayu Urba Tian Sari Wagini Yenisrida Yenisrida Yerni Puspita Sari Yudi Irawan Abi Yumi Adelia Fateha Yun Fitriano Zahrah Indah Ferina