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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) MANAZHIM Al-Kharaj: Journal of Islamic Economic and Business JURNAL ILMIAH GLOBAL EDUCATION Jurnal Akuntansi dan Keuangan Syariah - ALIANSI JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian IIJSE E-JURNAL AKUNTANSI Dharma Bakti
Sulkiah
Fakultas Ekonomi Universitas Gunung Rinjani, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Veterinary Other

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Peran Fasilitator Pendamping dan Teknologi Keuangan terhadap Pengelolaan Keuangan Ibu Pelaku UMKM di Kecamatan Sakra Timur Kabupaten Lombok Timur Idayani, Idayani; Sulkiah, Sulkiah
Jurnal Ilmiah Global Education Vol. 6 No. 4 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i4.4346

Abstract

This study aims to analyze the influence of facilitator roles and financial technology on the financial management of women micro, small, and medium enterprise (MSME) entrepreneurs in Sakra Timur District, East Lombok Regency. A quantitative method with a survey research design was used in this study. Data were collected through questionnaires distributed to 100 respondents who were women MSME entrepreneurs in the area. Data analysis was conducted using multiple linear regression to examine the relationship between the independent variables (facilitator roles and financial technology) and the dependent variable (financial management). The results showed that the role of facilitators had no significant effect on the financial management of women MSME entrepreneurs. These findings indicate that the utilization of financial technology can improve financial management among MSME actors, whereas the facilitator role does not make a significant contribution.
The Influence of Online Shopping Through Shopee, Lifestyle and Financial Literacy on the Consumptive Behavior of Gunung Rinjani University Students Della Hastiana; Sulkiah Sulkiah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8803

Abstract

The rapid development of digital technology has profoundly transformed consumption patterns in society, particularly among students. The convenience of online shopping through e-commerce platforms such as Shopee, combined with modern lifestyle trends and low levels of financial literacy, often fosters consumptive behavior. This tendency is evident in habits of excessive purchasing, decisions driven more by desire than necessity, and the urge to follow prevailing trends. Such behavior not only affects daily life but also influences students’ financial management, especially for those who depend on parental financial support. This study aims to empirically analyze the influence of online shopping through Shopee, lifestyle, and financial literacy on students’ consumptive behavior at Universitas Gunung Rinjani. Employing a quantitative method with an associative approach, the research involved 55 students selected through purposive sampling based on specific criteria. Data were collected via questionnaires using a Likert scale and analyzed through validity and reliability tests, classical assumption tests, and multiple linear regression using SPSS software. The findings reveal that: (1) online shopping through Shopee positively and significantly affects students’ consumptive behavior; (2) lifestyle has a positive impact on consumptive tendencies; (3) financial literacy exerts a significant negative effect on consumptive behavior; and (4) jointly, these three variables significantly influence students’ consumptive behavior. In conclusion, the ease of transactions on Shopee, a hedonistic lifestyle orientation, and varying levels of financial literacy collectively shape students’ consumptive patterns. Therefore, enhancing financial literacy, regulating e-commerce usage, and promoting a more modest lifestyle are recommended to mitigate excessive consumption.
Pemanfaatan Limbah Plastik sebagai Bahan Bangunan Alternatif di Desa Lendang Nangka Ikroman Alhamzani; Sulkiah; Lalu Ibrohim Burhan
Jurnal Pengabdian Masyarakat dan Inovasi Teknologi Tepat Guna Vol. 1 No. 01 (2025): Inovasi Inklusif dan Teknologi Tepat Guna untuk Kesejahteraan Sosial
Publisher : PT LIB Research Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63982/ns9bdr68

Abstract

Limbah plastik yang tidak terkelola dengan baik telah menjadi permasalahan lingkungan utama, khususnya di Desa Lendang Nangka. Setiap tahun, volume limbah plastik meningkat signifikan, mencemari tanah, air, dan udara, serta mengganggu ekosistem dan kesehatan masyarakat. Oleh karena itu, penelitian ini bertujuan untuk menawarkan solusi berkelanjutan melalui pemanfaatan limbah plastik sebagai bahan bangunan alternatif berupa bata plastik. Metode penelitian ini menggunakan pendekatan berbasis partisipasi masyarakat, melibatkan penduduk Desa Lendang Nangka dalam pengumpulan limbah plastik dan proses produksi bata plastik. Tahapan proses meliputi pengumpulan, pencacahan limbah plastik, pencampuran dengan bahan tambahan, serta pencetakan bata plastik menggunakan alat sederhana. Evaluasi dilakukan untuk menilai efisiensi biaya dibandingkan bata konvensional serta manfaat lingkungan yang dihasilkan, termasuk pengurangan volume limbah plastik dan emisi gas rumah kaca. Hasil menunjukkan bahwa bata plastik memiliki biaya produksi lebih rendah dibandingkan bata konvensional, dengan potensi penghematan jangka panjang. Selain itu, program ini berhasil mengurangi volume limbah plastik di Desa Lendang Nangka dan meningkatkan kesadaran masyarakat terhadap pengelolaan limbah yang berkelanjutan. Kesimpulannya, pemanfaatan limbah plastik sebagai bahan bangunan alternatif dapat menjadi solusi berkelanjutan untuk mengatasi masalah limbah sekaligus menciptakan manfaat ekonomi. Penelitian ini memberikan kontribusi dalam mengintegrasikan pengelolaan limbah dan inovasi produk ramah lingkungan yang dapat direplikasi di daerah lain dengan tantangan serupa
Pemberdayaan UMKM Disabilitas melalui Inovasi Aplikasi Mobile Inklusif dengan Pendekatan Participatory Design Sulkiah; Lalu Ibrohim Burhan
Jurnal Pengabdian Masyarakat dan Inovasi Teknologi Tepat Guna Vol. 1 No. 03 (2025): Inovasi Inklusif dan Teknologi Tepat Guna untuk Kesejahteraan Sosial
Publisher : PT LIB Research Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63982/2jbw3f70

Abstract

Penyandang disabilitas menghadapi hambatan signifikan dalam mengakses pasar, mulai dari keterbatasan mobilitas hingga minimnya sarana promosi inklusif, yang berdampak pada rendahnya daya saing UMKM disabilitas. Kesenjangan ini diperparah oleh kurangnya aplikasi pemasaran yang dirancang khusus, minimnya integrasi teknologi digital dengan pelatihan kewirausahaan, serta ketiadaan model pendampingan digital berkelanjutan bagi kelompok rentan. Penelitian ini bertujuan meningkatkan akses pasar UMKM disabilitas melalui pengembangan aplikasi mobile berbasis inklusi digital yang terintegrasi dengan pelatihan kewirausahaan dan pendampingan online. Menggunakan pendekatan Participatory Design, penelitian ini melibatkan 20 pelaku UMKM disabilitas di Kabupaten Lombok Timur melalui tahapan analisis kebutuhan, pengembangan aplikasi, pelatihan, dan evaluasi. Data dikumpulkan melalui observasi, wawancara, dan log penggunaan aplikasi, kemudian dianalisis secara deskriptif dan melalui usability testing. Hasil menunjukkan peningkatan omzet pada 70% pelaku UMKM, perluasan pasar pada 60% pengguna, efisiensi promosi pada 80%, peningkatan keterampilan digital pada 75%, serta kepuasan pengguna sebesar 85%. Temuan ini menegaskan bahwa teknologi mobile inklusif efektif mengatasi hambatan pemasaran sekaligus membangun kapasitas digital dan keberlanjutan usaha. Implikasi penelitian ini mendorong replikasi model serupa di wilayah lain, dengan potensi penguatan ekosistem pemberdayaan ekonomi yang inklusif dan adaptif. Persons with disabilities face significant barriers in accessing markets, ranging from mobility limitations to the lack of inclusive promotional tools, which negatively affect the competitiveness of disability-owned MSMEs. This gap is further exacerbated by the absence of marketing applications specifically designed for this group, limited integration of digital technology with entrepreneurship training, and the lack of sustainable digital mentoring models for vulnerable communities. This study aims to enhance market access for disability-owned MSMEs through the development of a mobile application based on digital inclusion, integrated with entrepreneurship training and online mentoring. Using a Participatory Design approach, the study involved 20 disability-owned MSMEs in East Lombok Regency through stages of needs analysis, application development, training, and evaluation. Data were collected through observations, interviews, and application usage logs, and were analyzed descriptively and via usability testing. The results show a 15–30% sales increase for 70% of MSMEs, market expansion for 60% of users, promotion efficiency for 80%, improved digital skills for 75%, and user satisfaction of 85%. These findings confirm that inclusive mobile technology effectively addresses marketing barriers while building digital capacity and business sustainability. The implications encourage replication of similar models in other regions, with potential to strengthen an inclusive and adaptive economic empowerment ecosystem.
Integrasi Praktik Pengelolaan Keuangan Harian sebagai Strategi Penguatan Ketahanan Ekonomi Keluarga Rentan Sulkiah
Jurnal Pengabdian Masyarakat dan Inovasi Teknologi Tepat Guna Vol. 2 No. 1 (2026): Membangun Ketahanan Komunitas melalui Edukasi dan Pemberdayaan Berkelanjutan
Publisher : PT LIB Research Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63982/dharmabakti.pq6hkg73

Abstract

Ketidakstabilan ekonomi global dalam dua dekade terakhir telah meningkatkan kerentanan ekonomi rumah tangga, terutama pada kelompok berpendapatan rendah yang memiliki keterbatasan dalam perencanaan dan pengelolaan keuangan sehari-hari. Kondisi ini menegaskan urgensi intervensi literasi keuangan yang tidak hanya bersifat konseptual, tetapi juga aplikatif dan berkelanjutan. Artikel ini bertujuan untuk meningkatkan kemampuan pengelolaan keuangan rumah tangga keluarga rentan melalui edukasi literasi keuangan berbasis praktik pencatatan sederhana dan simulasi pengambilan keputusan finansial. Kegiatan pengabdian dilaksanakan menggunakan pendekatan Sequential Explanatory Mixed Methods, dengan tahapan asesmen awal kondisi keuangan rumah tangga, implementasi edukasi literasi keuangan berbasis praktik, serta evaluasi pasca-edukasi untuk menilai keberlanjutan perubahan perilaku. Sasaran kegiatan adalah keluarga rentan dengan karakteristik pendapatan tidak tetap dan minim pengalaman pencatatan keuangan. Hasil menunjukkan bahwa program mampu mendorong adopsi praktik pengelolaan keuangan harian serta perubahan cara pandang keluarga terhadap keuangan sebagai alat refleksi dan pengendalian ekonomi. Temuan kualitatif mengungkap peningkatan kesadaran pola pengeluaran, disiplin belanja, dan rasa percaya diri finansial, meskipun keberlanjutan praktik dipengaruhi oleh faktor waktu, kebiasaan lama, dan tekanan kebutuhan mendesak. Secara keseluruhan, kegiatan ini berdampak positif terhadap penguatan kapasitas ekonomi keluarga dan berpotensi meningkatkan ketahanan ekonomi rumah tangga dalam jangka panjang. Program ini terbukti efektif, relevan untuk direplikasi di konteks serupa, dan memiliki prospek keberlanjutan melalui integrasi dengan program pemberdayaan dan kebijakan perlindungan sosial
Model Edukasi Mitigasi Bencana Berbasis Komunitas dalam Kerangka Community-Based Disaster Risk Reduction untuk Meningkatkan Kesiapsiagaan Sosial Lalu Ibrohim Burhan; Sulkiah
Jurnal Pengabdian Masyarakat dan Inovasi Teknologi Tepat Guna Vol. 2 No. 1 (2026): Membangun Ketahanan Komunitas melalui Edukasi dan Pemberdayaan Berkelanjutan
Publisher : PT LIB Research Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63982/dharmabakti.ndgyfy90

Abstract

Peningkatan frekuensi dan intensitas bencana alam telah menjadikan risiko bencana sebagai ancaman struktural terhadap keberlanjutan kehidupan sosial, terutama pada masyarakat pedesaan yang memiliki keterbatasan kapasitas respons. Berbagai upaya mitigasi masih didominasi pendekatan top-down dan teknis, sehingga kesiapsiagaan sosial masyarakat belum berkembang secara optimal. Kegiatan pengabdian ini bertujuan meningkatkan kesiapsiagaan sosial masyarakat desa rawan risiko melalui pengembangan dan penerapan edukasi mitigasi bencana berbasis komunitas dengan pendekatan simulasi dan skenario lokal yang partisipatif. Metode yang digunakan adalah mixed methods dengan desain sequential explanatory, meliputi tahap asesmen kebutuhan komunitas, perancangan bersama model edukasi, implementasi pelatihan dan simulasi bencana, serta evaluasi dampak melalui pengukuran pra–pasca dan observasi partisipatif. Hasil menunjukkan bahwa program ini secara konsisten meningkatkan kesiapsiagaan sosial masyarakat, tidak hanya pada pemahaman risiko, tetapi juga pada perubahan perilaku kolektif, koordinasi komunitas, dan respons operasional dalam simulasi bencana. Temuan kualitatif mengungkap bahwa partisipasi aktif, pembelajaran berbasis pengalaman, dan dukungan kelembagaan desa berperan penting dalam mengintegrasikan praktik kesiapsiagaan ke dalam aktivitas keseharian. Secara keseluruhan, kegiatan ini berdampak pada penguatan kapasitas sosial masyarakat dan pengurangan ketergantungan pada respons eksternal. Program ini terbukti efektif, berpotensi direplikasi pada konteks desa rawan risiko lainnya, serta memberikan implikasi penting bagi pengembangan kebijakan dan praktik pengurangan risiko bencana berbasis komunitas yang berkelanjutan.
The Influence Of Financial Literacy, Financial Technology (Fintech) And Social Environment On Financial Behavior Of Students Of The Faculty Of Economics, Class 2022-2023 Nurul Aidiatul Fitri; Sulkiah Sulkiah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8341

Abstract

This research aims to examine the influence of financial literacy, financial technology (FinTech), and the social environment on the financial behavior of students at the Faculty of Economics, Gunung Rinjani University, class of 2022-2023. With the increasing relevance of financial behavior due to technological advancements and rising living costs, this study explores how students manage their finances, considering the impact of financial literacy, FinTech adoption, and social influences. The study employed a quantitative approach, using questionnaires distributed to 66 students. Data analysis was conducted using SmartPLS. The findings reveal that both financial literacy and the adoption of FinTech positively and significantly influence students' financial behavior. In contrast, the social environment did not exhibit a significant effect on financial behavior. These results suggest that improving financial literacy and encouraging the responsible use of FinTech could enhance students' financial decision-making and overall financial well-being. This study highlights the importance of educating students on financial management skills and the potential role of technology in fostering better financial behavior.
Analisis Efisiensi Ekonomi Usaha Ayam Ras Petelur di Kabupaten Lombok Timur Muhamad Sarlan; Sulkiah Sulkiah
JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian Vol. 9 No. 5 (2024)
Publisher : Department of Agribusiness, Halu Oleo University Jointly with Perhimpunan Ekonomi Pertanian Indonesia - Indonesian Society of Agricultural Economics (PERHEPI/ISAE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37149/jia.v9i5.1492

Abstract

East Lombok Regency is the largest egg production center, controlling 35 percent of the total chicken egg production in West Nusa Tenggara Province. However, its contribution is still relatively low compared to other provinces such as Bali and East Java. This study aims to (1) determine the factors that influence the production of laying hen farming businesses, (2) determine the technical efficiency and technical inefficiency of laying hen farming businesses, and (3) determine the allocative and economic efficiency of laying hen farming businesses in East Lombok Regency. The study was conducted in Bagik Payung Village, Tirtanadi Village, Wanasaba Village, and East Lombok Regency, and it was determined purposively based on the largest laying hen population. The research sample was 61 people who were determined simply randomly. The results of the study showed that (1) the factors that had a positive and significant effect on the production of laying hen farming businesses in East Lombok Regency were the number of chickens (X1), concentrate (X2), vitamins and medicines (X6), while the vaccine variables (X7) and labor (X5) had a negative but insignificant effect on laying hen production. (2) The technical efficiency (TE) value obtained an average of 0.951. The laying hen farming business in East Lombok Regency can be said to be almost technically efficient. Meanwhile, the factors that have a positive and significant influence on the level of technical inefficiency are Education Level (Z2) and Livestock Experience (Z3), while age (Z1) and number of dependents (Z4) have a negative and insignificant influence on efficiency. (3) The distribution of allocative efficiency values is in the range of a minimum of 1.062 and a maximum of 1.248. with an average value of 1.184, indicating that the laying hen farming business in East Lombok is not allocatively efficient. While the average value of economic efficiency is 1.125. This value indicates that economically, the laying hen business in East Lombok Regency is not yet efficient.
The Analysis of Community Financial Resilience in Traditional Savings and Loan Practices, Remittances, and Banking Access in East Lombok Linda Junita Lestari; Sulkiah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.9879

Abstract

Community financial resilience is an important aspect of household welfare, particularly in rural areas where income tends to fluctuate. In East Lombok, many households rely on agriculture and informal economic activities, making them vulnerable to economic shocks. In this context, traditional savings and loan practices, remittances from migrant workers, and access to formal banking services play a crucial role in supporting household financial stability. This study aims to analyze the effect of traditional savings and loan practices, remittances, and banking access on community financial resilience in East Lombok. The research employs a quantitative associative approach using primary data collected through questionnaires distributed to 94 household heads in Rarang Village, Terara District. Data were analyzed using multiple linear regression with the assistance of JASP software, preceded by validity, reliability, and classical assumption tests. The results show that banking access has a positive and significant effect on community financial resilience, while traditional savings and loan practices and remittances have positive but statistically insignificant effects. However, simultaneously these three variables significantly influence community financial resilience. These findings imply that strengthening financial inclusion and improving access to formal financial services can enhance household financial stability, while informal financial mechanisms still function as complementary support for rural communities.
Model Integrated Digital Business Empowerment dalam Pendampingan Transformasi Digital UMKM untuk Memperkuat Ketahanan Ekonomi Komunitas Sulkiah
Jurnal Pengabdian Masyarakat dan Inovasi Teknologi Tepat Guna Vol. 2 No. 2 (2026): Membangun Ketahanan Komunitas melalui Edukasi dan Pemberdayaan Berkelanjutan
Publisher : PT LIB Research Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63982/dharmabakti.n1dgev92

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) menghadapi berbagai tantangan dalam meningkatkan daya saing akibat belum optimalnya penerapan branding, transformasi digital, dan pengelolaan keuangan usaha. Kondisi tersebut menyebabkan identitas produk kurang kuat, pemanfaatan media digital sebagai sarana pemasaran masih terbatas, serta pencatatan keuangan belum dilakukan secara sistematis. Kegiatan pengabdian ini bertujuan meningkatkan kapasitas pelaku UMKM melalui pendampingan terpadu yang mengintegrasikan penguatan branding, pemasaran digital, dan pengelolaan keuangan sederhana. Program dilaksanakan terhadap 30 pelaku UMKM yang bergerak pada sektor kuliner, kerajinan, dan produk olahan lokal dengan menggunakan pendekatan Asset-Based Community Development (ABCD) yang dipadukan dengan Business Coaching. Tahapan kegiatan meliputi analisis kebutuhan, penyusunan modul, pelaksanaan workshop, pendampingan implementasi, monitoring, dan evaluasi. Hasil pelaksanaan menunjukkan bahwa peserta mampu meningkatkan kualitas identitas merek melalui pengembangan logo dan kemasan produk, mengoptimalkan pemanfaatan media sosial dan marketplace sebagai sarana pemasaran, serta menerapkan pembukuan sederhana untuk mendukung pengelolaan keuangan usaha. Program juga memberikan dampak positif terhadap peningkatan pengetahuan, keterampilan, daya saing usaha, jejaring kolaborasi antarpelaku UMKM, serta penguatan tata kelola kelembagaan. Model Integrated Digital Business Empowerment terbukti efektif sebagai pendekatan pemberdayaan yang mampu memperkuat kapasitas manajerial dan kompetensi digital pelaku UMKM sehingga mendukung keberlanjutan usaha dan penguatan ketahanan ekonomi komunitas.
Co-Authors Della Hastiana Idayani, Idayani ikhwan wadi Ikroman Alhamzani Khairil Anwar Lalu Ibrohim Burhan Lestari, Tika Fuji Linda Junita Lestari Luthfi, Ashwatul Muhamad Sarlan Nurul Aidiatul Fitri Selamat Jalaludin