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All Journal International Journal of Artificial Intelligence Research Jurnal EMT KITA EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Jurnal Bisnisman : Riset Bisnis dan Manajemen ABDIMASY: Jurnal Pengabdian dan Pemberdayaan Masyarakat International Journal of Engineering, Science and Information Technology PROFICIO: Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat (ABDIRA) Kontigensi: Jurnal Ilmiah Manajemen Jurnal Abdi Masyarakat Indonesia JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Ilmiah Manajemen dan Bisnis (JIMBis) Jurnal Teknologi dan Manajemen Industri Terapan Jurnal Sistim Informasi dan Teknologi Sanskara Ekonomi dan Kewirausahaan Jurnal Multidisiplin West Science Benefit : Journal of Bussiness, Economics, and Finance Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Ekonomi dan Kewirausahaan West Science West Science Interdisciplinary Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam EKOBIS ABDIMAS : Jurnal Pengabdian Masyarakat Journal of Ekonomics, Finance, and Management Studies KREATIF: Jurnal Pengabdian Masyarakat Nusantara INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Sulistyo Budi Utomo
Sekolah Tinggi Ilmu Ekonomi Indonesia Surabaya
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Program Pendampingan Bagi Koperasi Berkah Sejahterah Bersama Dalam Membangun Lingkungan Digital dan Sistem Pembukuan Berbasis Teknologi Utomo, Sulistyo Budi; Dewi, Mega Arisia; Sidharta, Yudi; Zulfikar, Mochammad Reza; Widiarma, In’am
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 3 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i3.1549

Abstract

UMKM sangat berperan penting terhadap perekonomian nasional, oleh sebab itu banyak program-program pemerintah untuk kemasyarakatan misalnya meningkatkan minat kewirausahaan semenjak dini bagi kalangan pemuda. Koperasi Berkah Sejahterah Bersama beserta civitas akademika dari STIESIA Surabaya memfasilitasi untuk para UMKM memiliki kemampuan dalam menyusun Business Plan bagi para pelaku usaha untuk memulai dan mengembangkan usahanya. Business Plan seringkali dianggap rumit karena keterbatasan akses dan pengetahuan untuk memahami dan melaksanakannya. Kegiatan Pengabdian Kepada mansyarakat yang dilaksanakan bersama Dekopinda Surabaya yang melibatkan civitas akademika STIESIA Surabaya melaksanakan rangkaian peningkatan kapasitas wirausaha muda dengan menggagas pelatihan Business Plan sebagai langkah awal dari program tersebut. Kegiatan ini bertujuan untuk meningkatkan kemampuan pelaku UMKM dalam menyusun Business Plan yang efektif dan realistis. Kegiatan ini memungkinkan terjadinya pembelajaran aktif diantara para peserta, diskusi yang membangun, serta mampu melakukan simulasi dalam menyususn Business Plan, peserta diberikan kemampuan dasar dan teknis yang esensial, diantaranya kemampuan untuk menganalisa pasar, proyeksi keuangan, strategi pemasaran dan operasional. Hasil dari PKM ini menunjukkan bahwa peserta tidak hanya mengalami peningkatan atas pemahaman yang berarti terhadap usaha yang dijalankan, melainkan terbentuknya jejaring yang dapat mendukung usaha mereka serta mampu melihat peluang dan tantangan usaha, pengabdian ini terdapat kesamaan persepsi dalam penyusunan Business Plan yang lebih tetap sasaran dengan mendayagunakan melalui Koperasi untuk menjembatani pinjaman modal usaha, disamping itu juga bermitra dengan pihak luar yang kredibel dimasa yang akan datang. Kesimpulan pada kegiatan ini adalah pentingnya pelatihan pengetahuan praktis yang berkelanjutan bagi pemberdayaan UMKM dalam meningkatkan kapasitas dan sumber daya yang dimiliki
The Impact of Digital Content Quality and Short-Video Marketing on Brand Awareness and Engagement Rate among Fashion MSMEs in West Java Utomo, Sulistyo Budi; Andiani, Paramita; Nurhasanah, Dila Padila
West Science Social and Humanities Studies Vol. 4 No. 02 (2026): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v4i02.2650

Abstract

The rapid growth of social media platforms has transformed marketing strategies among fashion Micro, Small, and Medium Enterprises (MSMEs), particularly through the use of digital content and short-form video promotion. This study aims to examine the impact of digital content quality and short video marketing on brand awareness and engagement levels among fashion MSMEs in West Java. A quantitative research design was employed using survey data collected from 155 MSME owners and managers through a structured questionnaire measured on a Likert scale. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). The results indicate that digital content quality has a positive and significant effect on brand awareness and engagement levels, while short video marketing significantly enhances both brand visibility and audience interaction. Brand awareness also demonstrates a significant positive influence on engagement and acts as a partial mediating variable between digital marketing strategies and engagement outcomes. These findings suggest that visually appealing and informative content combined with short video formats can strengthen brand positioning and improve customer interaction in digital environments. This study contributes to digital marketing literature by providing empirical evidence from the fashion MSME sector in West Java and offers practical insights for businesses seeking to optimize their social media strategies in competitive markets.
CREDIT RISK IN ISLAMIC BANKING: AN IN-DEPTH ANALYSIS OF CREDIT RISK MANAGEMENT AND RISK-SHARING MECHANISMS IN INDONESIAN ISLAMIC FINANCIAL INSTITUTIONS Alfiana Alfiana; Sulistyo Budi Utomo; Muhammad Syafri; Al-Amin; Azmi Syarif
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 2 No. 3 (2023): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Publisher : ADISAM Publisher

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

Abstract

This research extensively examines credit risk management within the unique realm of Islamic banking institutions operating in Indonesia. Islamic finance, guided by principles of ethical finance and profit-and-loss sharing (PLS) contracts, introduces distinctive complexities into the credit risk domain. The primary objective is to scrutinize the intricacies of credit risk management in Islamic banking, particularly in the Indonesian context, a significant hub for Islamic finance. The study dissects several complex dimensions: It delves into the profound intricacies of risk-sharing mechanisms inherent in Islamic finance. The research explores how profit-and-loss sharing contracts, like Mudarabah and Musharakah, reshape credit risk dynamics and the distribution of risk between financial institutions and clients. Additionally, the research investigates the unique collateralization methods in Islamic banking, compliant with Sharia principles, and their impact on credit risk and recovery processes following default. A detailed analysis of diverse contractual structures used in Islamic finance, including Ijarah and Murabahah, assesses their influence on credit risk profiles and risk mitigation strategies. Moreover, the study examines the regulatory framework governing Islamic finance in Indonesia, considering how regulators harmonize Islamic financial principles with the imperative of maintaining financial stability. The complexities of default management and recovery procedures in Islamic finance are also explored, encompassing debt restructuring, arbitration, and Sharia-compliant debt recovery mechanisms. This research combines quantitative analysis and qualitative investigation to understand Indonesian Islamic banking comprehensively. The findings offer valuable insights into the intricate landscape of credit risk within Islamic finance, with broader implications for the global industry.
The Influence of Digital Payment Convenience and Cashless Promotion on Tourist Purchase Frequency with Perceived Ease of Transaction in Tourist Areas in Bogor Utomo, Sulistyo Budi
West Science Interdisciplinary Studies Vol. 4 No. 04 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i04.2798

Abstract

This study examines the impact of digital payment convenience and cashless promotions on tourists' purchase frequency and perceived transaction convenience in a tourist area in Bogor, Indonesia. The research employs a quantitative approach with a sample size of 225 tourists, using a structured questionnaire based on a Likert scale. Data analysis was performed using Structural Equation Modeling (SEM-PLS 3) to test the hypothesized relationships. The results show that both digital payment convenience and cashless promotions significantly influence tourists' purchase frequency and perceived transaction convenience. Specifically, digital payment convenience positively affects both purchase frequency and transaction convenience, while cashless promotions enhance both purchase frequency and transaction convenience. Additionally, perceived transaction convenience mediates the relationship between digital payment convenience and purchase frequency. These findings provide practical insights for tourism businesses looking to improve the customer experience and increase revenue by integrating digital payments and offering attractive cashless promotions.
The Influence of Digital Payment Convenience and Cashless Promotion on Tourist Purchase Frequency with Perceived Ease of Transaction in Tourist Areas in Bogor Utomo, Sulistyo Budi
West Science Interdisciplinary Studies Vol. 4 No. 04 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i04.2798

Abstract

This study examines the impact of digital payment convenience and cashless promotions on tourists' purchase frequency and perceived transaction convenience in a tourist area in Bogor, Indonesia. The research employs a quantitative approach with a sample size of 225 tourists, using a structured questionnaire based on a Likert scale. Data analysis was performed using Structural Equation Modeling (SEM-PLS 3) to test the hypothesized relationships. The results show that both digital payment convenience and cashless promotions significantly influence tourists' purchase frequency and perceived transaction convenience. Specifically, digital payment convenience positively affects both purchase frequency and transaction convenience, while cashless promotions enhance both purchase frequency and transaction convenience. Additionally, perceived transaction convenience mediates the relationship between digital payment convenience and purchase frequency. These findings provide practical insights for tourism businesses looking to improve the customer experience and increase revenue by integrating digital payments and offering attractive cashless promotions.
Co-Authors Abid Ramadhan Ainil Mardiah Al-Amin Alfiana Alfiana , Alfiana Amin, Al- Andiani, Paramita Andri Ardhiyansyah Arif MarjukI Arvin Hardian Asriany Astuti, Enny Diah Aulia Kusuma Wardani Azmi Syarif Burhanuddin Burhanuddin Burhanuddin Burhanuddin Caka Gatot Priambodo Devi Yuliantina Dikky Mooy Donny Juliandri Prihadi Edi Susilo Eka Hendrayani Elizabeth Elizabeth Endang Sri Wahyuningsih, Endang Sri Errie Margery Erwina Kartika Devi Eva Andriani Eva Desembrianita Eva Yuniarti Utami Feliks Anggia Binsar Kristian Panjaitan Garcia Krisnando Nathanael Hamka Hamka Hamka Hamka, Hamka Hening Widi Oetomo Henky Hendrawan Heru Suprihhadi Heru Suprihhadi Heru Suprihhadi Heru Suprihhadi Hisnol Jamali I Wayan Adi Pratama Ilham Arief Ilham Ilham In'am Widiarma In'am Widiarma In'am Widiarma Indra Wijaya Irwansyah, Rudy Iswahyu Pranawukir Jefri Putri Nugraha Judijanto, Loso Karnawi Kamar Kusumawardhani, Trisnawati LISTIANA SRI MULATSIH Listiana Sri Mulatsih Loso Judijanto Luckhy Natalia Anastasye Lotte Lusiah Lusiah M Toyib M. Imron Mas’ud M. Novan Saputra Mahmudin, Tono Mazzlida Mat Deli Mega Arisia Dewi Mega Fatimah Rosana Minggar Anggri Prihati Muh Zakaria Muh. Zakaria Muhammad Syafri, Muhammad Muhammad Syafrie Musran Munizu Ngurah Pandji Mertha Agung Durya Nurhasanah, Dila Padila Nurhayaty, Ety Nusyirwan Nusyirwan Pramudi Harsono Pujowati, Yenik R. Yudi Sidharta Rachmadi Indrapraja Rahmat Aji Nur Yakin Rahula Hananuraga Ratnawati Ratnawati Rendro Laksmono Rendro Laksmono Reza Nurul Ichsan Rini Novianti Rudi Kurniawan Sari, Risca Kurnia Setiadi, Bekti SETIAWAN JODI, I WAYAN GEDE ANTOK Sidharta, R Yudi Sidharta, R. Yudi Sidharta, Yudi Soni Suharmono Sonny Santosa Suharmono, Soni Sumarwanto Suprihhadi, Heru Suriadi Susanto, Sherly Ernawati Syarif, Azmi Tarigan, Miska Irani Tribowo Rachmat Fauzan Tugas Tri Wahyono Utami, Eva Yuniarti Wahyono, Tugas Tri Wahyuningratna, Ratu Nadya Widiarma, Inam widiarma, In’am Widiastuti Furbani Widyananta, Antonius Satria Wijaya, Indra Wiryawan, Dedik Yanti Setianti Yenik Pujowati Zulfikar, Mochammad Reza