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All Journal JAM : Jurnal Aplikasi Manajemen J-MAS (Jurnal Manajemen dan Sains) International Journal of Supply Chain Management Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Develop Jurnal Development Journal of Social Responsibility Projects by Higher Education Forum ARRUS Journal of Social Sciences and Humanities Jurnal Pengabdian Masyarakat Waradin Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Jurnal Riset Manajemen Indonesia Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS West Science Business and Management West Science Interdisciplinary Studies West Science Accounting and Finance West Science Interdisciplinary Studies Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi West Science Islamic Studies International Journal of Economics and Management Sciences Jurnal Abdimas UM Jambi Proletarian : Community Service Development Journal International Journal of Innovation Research in Education, Technology and Management (IJIRETM) Global Management: International Journal of Management Science and Entrepreneurship Konstanta : Jurnal Matematika dan Ilmu Pengelatuan Alam NAAFI: JURNAL ILMIAH MAHASISWA Jurnal Ekonomi dan Bisnis Jurnal Ekonomi dan Manajemen Journal of Business Evolution and Economics
Ermaini Ermaini
Universitas Muhammadiyah Jambi
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences Transportation Other

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The Edukasi Konsep Kewirausahaan Sosial Berbasis Potensi Desa Melalui Badan Umum Milik Desa (BUMDES) Wella Sandria; Arniwita Arniwita; Siswoyo Siswoyo; Hario Tamtomo; Hetty Rohayani; Ermaini Ermaini
Journal of Social Responsibility Projects by Higher Education Forum Vol 6 No 3 (2026): March 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jrespro.v6i3.9757

Abstract

Village potential-based social entrepreneurship through Village-Owned Enterprises (BUMDes) represents a social business model that optimizes natural resources, cultural assets, and community capacities to address socio-economic issues while increasing Village Original Revenue (PADes). This community service activity was conducted in Muara Tembesi Subdistrict, Batanghari Regency, Jambi, Indonesia. The study aims to analyze the role of Village-Owned Enterprises (BUMDes) in village development and improving community welfare through a social entrepreneurship approach. There are 15 actively operating BUMDes distributed across 12 villages in Muara Tembesi, engaging in various types of business activities. Although these enterprises have achieved progress in managing their business units, they still face several challenges related to social entrepreneurship, including a lack of innovation in the creative economy for resource management, inadequate mapping of village potential, suboptimal utilization of village websites, and limited effectiveness in marketing and promotional channels. Based on these issues, the service team conducted field observations and provided technical assistance to BUMDes managers, carried out village potential mapping, and analyzed appropriate strategies for developing business units and creative economic activities within rural communities. The results of the mapping indicate that each village possesses distinct potentials; however, natural resource outputs are still predominantly concentrated in the agricultural and plantation sectors. Several strategies were proposed to address the challenges faced by BUMDes, including enhancing understanding of the importance of BUMDes for village development, providing training and mentoring in social entrepreneurship and small and medium enterprise management, increasing community awareness of village potential, and encouraging subdistrict and village officials to utilize BUMDes operational funds more effectively.
Blockchain-Enabled Digital Payment Systems and Their Impact on Financial Inclusion: A Computational Economic Analysis Review Ermaini; A Arniwita; Rahmi Handayani
ARRUS Journal of Social Sciences and Humanities Vol. 6 No. 2 (2026)
Publisher : PT ARRUS Intelektual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum4751

Abstract

Digital payment methods have changed and prospects for financial inclusion have increased due to the quick advancement of financial technology. However, obstacles like high transaction costs, inadequate financial infrastructure, and dependence on centralized middlemen continue to plague many emerging nations. Blockchain technology provides a secure, decentralized payment system that can increase transaction accessibility and efficiency. This study uses a computational economic approach to investigate how blockchain-enabled digital payment systems affect financial inclusion. The study uses machine learning models, such as Random Forest, Gradient Boosting, Support Vector Machine, and Neural Networks, to examine the connection between financial inclusion metrics, digital payment efficiency, and blockchain adoption. The findings demonstrate that blockchain-based payment systems greatly enhance transaction efficiency, lower transaction costs, and boost the use of digital payments. Higher levels of financial inclusion and accessibility are a result of these advancements. The results show how crucial blockchain infrastructure is to fostering inclusive digital financial ecosystems and offer policy recommendations for developing nations looking to improve their digital financial inclusion initiatives.
Model Pengembangan Kewirausahaan Berbasis Inovasi di Kota Jambi Novi Peramasari; Ermaini Ermaini
J-MAS (Jurnal Manajemen dan Sains) Vol 11, No 1 (2026): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v11i1.2405

Abstract

Entrepreneurship is a crucial factor in regional economic development. Micro, Small, and Medium Enterprises (MSMEs) in Jambi City possess significant potential; however, they still face limitations, particularly in terms of innovation capacity. In the digital era, innovation has become a key driver in enhancing business competitiveness and sustainability. The main challenges encountered include the low capacity of human resources, limited access to technology, and a weak supporting ecosystem. These constraints hinder MSMEs from optimizing their performance and adapting to rapidly changing market dynamics. Therefore, this study aims to develop an innovation-based entrepreneurship model that can effectively improve the performance of MSMEs.
Digital Green Finance for Sustainable Urban Development Arniwita; Rahmi Handayani; Ermaini
ARRUS Journal of Social Sciences and Humanities Vol. 6 No. 3 (2026)
Publisher : PT ARRUS Intelektual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/soshum4869

Abstract

The fast-paced urbanization process and the increased demand for sustainable infrastructure development due to climate changes and the degradation of the environment have raised interest in the emergence of sustainable financial technologies for urban areas. There is a lot of scientific literature available on the subject of green finance and smart cities; however, very little research has been done on the intersection of all these aspects combined – digital financial technologies, ESG investments, environment sustainability indicators, and artificial intelligence – to create a sustainable urban development evaluation framework. This study focuses on the creation of an Intelligent Decision Support System based on Digital Green Finance and its influence on Sustainable Urban Development using quantitative methodology. Mainly, this means using indicators such as green investments' portion in the total sum of investments in a city, ESG financing index, volume of transactions, amount of carbon financing, fintech for sustainable urban development, Green Open Spaces accessibility, urban vegetation index, CO2 emission reduction, urban livability index, and economic resilience. Combining all these factors with SAW-based algorithm and Artificial Intelligence prediction using the Random Forest method enables researchers to assess sustainability rankings and the level of smartness of cities using the developed system. As a result, it is possible to conclude that cities with higher green investment allocation and better ESG financing and digital green transaction volumes are more sustainable. Specifically, Gamma City received the highest ranking, followed by Omega and Alpha Cities.
Analysis of Digital Payment and Financial Literacy as Instruments for Improving Financial Accountability and Business Performance in Modern Coffee Shops in Central Java Ermaini Ermaini; Muhamad Ammar Muhtadi; Rani Eka Arini
West Science Accounting and Finance Vol. 4 No. 02 (2026): West Science Accounting and Finance
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsaf.v4i02.2978

Abstract

This study examines the effects of digital payment adoption and financial literacy on financial accountability and business performance among modern coffee shops in Central Java. A quantitative explanatory design was employed using primary data collected from 125 coffee shop owners and managers through a structured questionnaire measured on a five-point Likert scale. The data were analyzed using IBM SPSS Statistics version 25 through descriptive statistics, validity and reliability testing, classical assumption testing, multiple linear regression, t-tests, F-tests, and coefficient of determination analysis. The results indicate that digital payment adoption has a positive and significant effect on financial accountability, with a standardized coefficient of 0.396 and a significance value below 0.001. Financial literacy also positively affects financial accountability, with a standardized coefficient of 0.451 and a significance value below 0.001. Together, digital payment adoption and financial literacy explain 61.0% of the variance in financial accountability. Digital payment adoption, financial literacy, and financial accountability also have positive and significant effects on business performance, with standardized coefficients of 0.247, 0.301, and 0.416, respectively. The second regression model explains 71.4% of the variance in business performance. Financial accountability demonstrates the strongest influence on business performance, indicating that accurate records, transparent reporting, and effective financial control are essential for improving organizational outcomes. The study concludes that integrating digital payment systems with strong financial literacy can enhance financial accountability and support sustainable business performance among modern coffee shops.
Human Resource Development Strategies in Facing the Industrial Revolution 4.0 among SMEs in Jambi City Reki Bopi; Ermaini Ermaini; Arniwita Sy
Journal of Business Evolution and Economics Vol. 1 No. 01 (2026): MARCH ISSUE
Publisher : Journal of Business Evolution and Economics

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

Abstract

Mobil adalah sebuah alat transportasi yang nyaman untuk digunakan sebagai alat untuk memindahkan barang atau orang dengan jumlah tertentu. Pada perkembangan zaman saat produsen mobil membuat berbagai jenis mobil sesuai dengan kebutuhan. Berbagai macam jenis mobil baru yang diciptakan produsen dan dengan semakin banyaknya mobil baru yang diciptakan dan dijual, semakin memungkinkan konsumen untuk menjual mobil lama mereka ke mobil baru yang lebih canggih dan modern atau biasa disebut juga dengan peremajaan unit, ini menjadikan suatu peluang usaha yang tersedia sebagai kendaraan bekas yang dijual kembali kepada konsumen dengan kondisi yang masih bagus dan layak pakai. Adapun fakta faktor yang sangat mempengaruhi pembelian kendaran pada shorom rezki mobilindo yaitu, kualitas pelayan, kualitas produk kendaran, dan harga yang terjankau. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan terhadap minat dan kepuasan pelanggan shorom rezki mobilindo. Penelitian ini menggunakan pendekatan kuantitatif dengan sampel sebanyak 35 pelanggan Shorom rezki mobilindo, Hasil Penelitian: 1) Kualitas Layanan berpengaruh signifikan terhadap Keputusan Pembelian dapat diterima, dengan hasil Signifikan (positif). 2) Kualitas kendaran yang masih sangat baik di tunjang dengan Harga berpengaruh signifikan terhadap Keputusan Pembelian dapat diterima, dengan hasil Signifikan (positif). Penelitian ini menyimpulkan bahwa kualitas pelayanan merupakan faktor penting dalam menentukan kepuasan pelanggan, sehingga upaya peningkatan kualitas pelayanan perlu menjadi prioritas untuk menunjang keberhasilan bisnis di sektor otomotif.
Analisa Tingkat Kualitas Layanan terhadap Pembelian Mobil pada Shorom Rezki Mobilindo Bambang Nurdianto; Ermaini Ermaini; Deby Aisyah Rj Nur
Journal of Business Evolution and Economics Vol. 1 No. 01 (2026): MARCH ISSUE
Publisher : Journal of Business Evolution and Economics

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

Abstract

Mobil adalah sebuah alat transportasi yang nyaman untuk digunakan sebagai alat untuk memindahkan barang atau orang dengan jumlah tertentu. Pada perkembangan zaman saat produsen mobil membuat berbagai jenis mobil sesuai dengan kebutuhan. Berbagai macam jenis mobil baru yang diciptakan produsen dan dengan semakin banyaknya mobil baru yang diciptakan dan dijual, semakin memungkinkan konsumen untuk menjual mobil lama mereka ke mobil baru yang lebih canggih dan modern atau biasa disebut juga dengan peremajaan unit, ini menjadikan suatu peluang usaha yang tersedia sebagai kendaraan bekas yang dijual kembali kepada konsumen dengan kondisi yang masih bagus dan layak pakai. Adapun fakta faktor yang sangat mempengaruhi pembelian kendaran pada shorom rezki mobilindo yaitu, kualitas pelayan, kualitas produk kendaran, dan harga yang terjankau. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan terhadap minat dan kepuasan pelanggan shorom rezki mobilindo. Penelitian ini menggunakan pendekatan kuantitatif dengan sampel sebanyak 35 pelanggan Shorom rezki mobilindo, Hasil Penelitian: 1) Kualitas Layanan berpengaruh signifikan terhadap Keputusan Pembelian dapat diterima, dengan hasil Signifikan (positif). 2) Kualitas kendaran yang masih sangat baik di tunjang dengan Harga berpengaruh signifikan terhadap Keputusan Pembelian dapat diterima, dengan hasil Signifikan (positif). Penelitian ini menyimpulkan bahwa kualitas pelayanan merupakan faktor penting dalam menentukan kepuasan pelanggan, sehingga upaya peningkatan kualitas pelayanan perlu menjadi prioritas untuk menunjang keberhasilan bisnis di sektor otomotif.
Co-Authors Abd Halim Abd Halim Ade Irma Suryani Ade Irma Suryani Ade Irma Suryani AGESHA MARSYAF Agi Nanjar Agus Santoso Ahmad Soleh Amanda, Kiki Ardi Afrizal Arel Rutama ARI SETIAWAN Arman Syafa`at Armiwita, Armiwita Arniwita, Arniwita Arumingtyas, Fida Aulia Septia Ningrum Bambang Nurdianto Dani, Rian Daniel, Prima Audia Deby Aisyah Rj Nur Dewi, Lizabeth Sari Dharma, Bertia Arya Eko Sudarmanto Endah Tri Kurniasih Endah Tri Kurniasih Endang Fatmawati Faradilla Herlin Hamza, Amir Hario Tamtomo Hasan Basri Helmina Helmina Herdawati, Trie Hetty Rohayani i, safi Iqra Wiarta Iqra Wiarta Irmanelly, Irmanelly Ismanto, Widodo Istiqom Istiqom Jezzyca Ria Paramita Judijanto, Loso Kaswoto, Junet Kayla Risma Marfisya Kurniasih, Endah Tri Lizabeth Sari Dewi M Sabyan M. Sabyan Mohammad Ridwan Muhamad Ammar Muhtadi Muhammad Ikhsan Munzir Munzir, Munzir musnaini musnaini Mustika Mustika Mustika Mustika Mustika Mustika Nanjar, Agi Nayla Desviona Nazaruddin Nazaruddin Niko Tala Buana Novi Peramasari Oka Ediansa Putra, Iwan Eka Rahayu, Yunie Rahmi Handayani Rahmi Handayani Rani Eka Arini Ratih Rosita Ratih Rosita Reki Bopi Rian Dani Rico Rifky Lana Rahardian Rifky Lana Rahardian Sabrina Sabrina Saputra, Mas Budi Siswoyo Siswoyo Sofyan Hadi Sri Wahyuni Tamtomo, Hario Totok Hendarto Trie Hierdawati Trie Hierdawati Tsai, Chia Han Veronica, Deka Veronika, Deka Wahyu Hidayat Wella Sandria Wenny, Syilvia Wiarta, Iqra Wibowo, Teguh Setiawan Yawardo, Panji Nugraha Zahsyi, Muhammad Zul Fanji