Article Per Year (5 Year)
p-Index From 2021 - 2026
2.663
P-Index
This Author published in this journals
All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Online Mahasiswa (JOM) Bidang Pertanian Journal of Indonesian Economy and Business Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Jurnal Doktor Manajemen (JDM) International Journal of Financial, Accounting, and Management Jurnal Pengabdian Masyarakat Bumi Raflesia Jurnal Dehasen Mengabdi West Science Business and Management Jurnal Informatika Ekonomi Bisnis The Manager Reveiew Multifinance Riset Akuntansi dan Keuangan Indonesia
Fitri Santi
Bengkulu University
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

Published : 19 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 19 Documents
Search

 1   2 
Sosialisasi Media Sosial Sebagai Strategi Pemasaran Untuk Meningkatkan Pendapatan Di Masa Pandemi Bagi Pelaku UMKM Yusmaniarti, Yusmaniarti; Santi, Fitri; Tamsi, Fenni Lestari; Marini, Marini; Setiorini, Hesti
Jurnal Dehasen Mengabdi Vol 1 No 1 (2022): Maret-Agustus
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1150.424 KB)

Abstract

Pengabdian masyarakat ini dilaksanakan di Kelurahan Belakang Pondok Kota Bengkulu, yang merupakan salah satu kelurahan yang terletak di Kecamatan Ratu Samban Kota Bengkulu. Pekerjaan warga sebagian besar mayoritas pedagang dan kuli bangunan, pegawai, swasta. Ekonomi masyarakat mayoritas berada pada taraf menengah hal ini dikarenakan mata pencaharian warga adalah pedagang. Dengan berwirausaha dapat meningkatkan taraf perekonomian yang baik masyarakat yang berada di Kelurahan Belakang Pondok. Permasalahan yang muncul kurang nya pemahaman masyarakat tentang kemajuan teknologi sebagai sarana promosi yang sangat efektif untuk proses jual beli di media sosial. Media sosial merupakan bagian dari internet yang memiliki fungsi salah satunya sebagai media yang digunakan untuk mempromosikan produk olahan makanan yang digunakan oleh pelaku usaha. Media sosial sangat dibutuhkan bagi semua masyarakat tanpa terkecuali. Tujuan abdi masyarakat adalah untuk membantu warga untuk memanfaatkan media sosial sebagai sarana pemasaran yang efektif apalagi dimasa pandemi ini. sehingga orang-orang bisa mengenal lebih mudah dari hasil usaha yang kita buat yaitu dengan promosi melalui media sosial sehingga, walaupun di masa pandemi warga tidak terlalu merasakan dampak ekonomi. Hasil kegiatan ini masyarakat tidak terlalu kesulitan untuk memasarkan usaha nya karena kami sudah mengedukasii warga untuk membuat link,paint page,dan akun yg di gunakan untuk mengembangkan usaha agar konsumen lebih mudah untuk melakukan pengorderan
THE ROLE OF FINANCIAL TECHNOLOGY (FINTECH) IN MANAGING UMKM FINANCE IN NORTH BENGKULU DISTRICT Zoraya, Intan; Kamaludin, Kamaludin; Santi, Fitri; Rahmayanti, Dewi; Afandy, Chairil
Multifinance Vol. 2 No. 3 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i3.328

Abstract

This study examines the role of financial technology (fintech) in improving financial literacy among Micro, Small, and Medium Enterprises (MSMEs) in North Bengkulu Regency. Along with the development of technology and people's need for more efficient financial services, fintech has emerged as a solution to facilitate financial transactions. However, the community's low understanding of fintech can lead to financial risks, especially for MSME groups that tend to be consumptive. The research involved socialization and education on the use of fintech, with a focus on its positive impact and how to use it wisely. The methods used included surveys, presentations, and interactive discussions with participants. The results of the activity showed an increase in participants' knowledge of fintech and its potential utilization to improve financial transactions. This activity is expected to encourage local economic growth and increase public awareness of the importance of financial literacy in the digital era. Therefore, continuous education and support are needed to ensure that people can optimally utilize fintech.
QRIS and the Future of Digital Payments: Factors Influencing Consumer Behavioral Intentions in Indonesia Susanti, Melly; Santi, Fitri; Robinson , Robinson
West Science Business and Management Vol. 3 No. 02 (2025): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v3i02.1971

Abstract

This study aims to identify the factors that influence consumer behavioral intention in adopting the Quick Response Indonesian Standard (QRIS) mobile payment system in Indonesia. Using a quantitative research design, data was collected through questionnaires distributed online to QRIS users. This study explores the influence of individual factors, alternatives, and behavioral intentions on QRIS adoption. The analysis results show that individual factors, such as personal knowledge and innovativeness, have a significant influence on consumers' behavioral intention to adopt QRIS. In addition, the attractiveness of other payment alternatives, such as cash and credit cards, also influence the adoption decision. Consumer behavioral intention is shown to be an important factor in the decision to use QRIS. This research contributes to enriching the literature on digital payment technology adoption and provides strategic recommendations to increase QRIS adoption in Indonesia, including through increasing consumer education, building trust, and strengthening the advantages of QRIS over other alternatives.
ANALISIS FREKUENSI TRADING SAHAM GENERASI Z INDONESIA : EFEK FAKTOR BIAS PERILAKU Asri, Vito; Santi, Fitri
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.45512

Abstract

Pertumbuhan ekonomi Indonesia mendorong Generasi Z untuk semakin aktif berinvestasi saham. Namun, keterbatasan pengalaman membuat mereka rentan terhadap bias perilaku, seperti overconfidence, yang memengaruhi frekuensi trading. Penelitian ini bertujuan menganalisis pengaruh overconfidence, self-attribution bias, dan kesuksesan masa lalu terhadap frekuensi trading saham. Metode kuantitatif digunakan dengan data primer dari 200 responden yang diperoleh melalui purposive sampling dan kuesioner daring. Analisis dilakukan menggunakan regresi Partial Least Squares (PLS) dengan bantuan perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa overconfidence dan kesuksesan masa lalu berpengaruh signifikan terhadap frekuensi trading. Sementara itu, self-attribution bias dan kesuksesan masa lalu memengaruhi frekuensi trading secara tidak langsung melalui overconfidence sebagai variabel mediasi. Temuan ini memberikan kontribusi penting bagi pemahaman perilaku investasi generasi muda serta menjadi dasar pengembangan strategi edukasi keuangan yang lebih adaptif .Kata Kunci: investasi, bias perilaku, overconfidence, atribusi diri, kesuksesan masa lalu
Financial Well-Being: Indications on Buy Now Pay Later Users in Indonesia Intantri, Cella Nur; Santi, Fitri
Jurnal Doktor Manajemen (JDM) Vol 8, No 2 (2025): SEPTEMBER 2025
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jdm.v8i2.34205

Abstract

Buy Now Pay Later (BNPL) is a payment method that allows consumers to purchase goods and pay for them later within a specified period. This study aims to explore the influence of financial knowledge, financial behavior, and self-control on the financial well-being of BNPL users in Indonesia, where the service is becoming increasingly popular, particularly among the younger generation. The research sample focuses on Millennials and Gen Z in Indonesia who have used BNPL services in the past six months. The analytical tool used is Partial Least Squares-Structural Equation Modeling (PLS-SEM) based on SmartPLS. The results indicate that while financial knowledge is only meaningful when mediated by financial behaviour, financial behaviour and self-control have a beneficial impact on financial well-being. These findings highlight the importance of financial education and the role of BNPL providers in offering features such as payment reminders and credit limits to support users' financial well-being.
The impact of intellectual capital on business efficiency and financial success in creative SMEs Divianto, Divianto; Kamaludin, Kamaludin; Santi, Fitri; Saiful, Saiful
International Journal of Financial, Accounting, and Management Vol. 6 No. 3 (2024): December
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v6i3.2512

Abstract

Purpose: This study examines the role of Intellectual Capital (IC), including Human Capital (HC), Structural Capital (SC), and Relationship Capital (RC), as moderating variables in the relationship between business efficiency and financial performance, measured by Return on Assets (ROA) and Return on Sales (ROS) in Creative Economy-based Micro, Small, and Medium Enterprises (MSMEs) in Palembang City. Method: Using financial data from MSMEs between 2020 and 2023, this study employs a quantitative approach and a survey method. The study population consisted of 1,233 MSMEs across 15 creative economy subcategories, guided by the Department of Industry and Trade of Palembang City. A total of 400 respondents were selected using Slovin's formula and purposive sampling. Data were collected through direct interviews and questionnaires and analyzed using the Panel Least Squares Method. Results: The findings reveal that Business efficiency significantly influences ROA but not ROS. Human capital enhances the impact of business efficiency on both ROA and ROS, whereas customer capital does not strengthen this relationship. Structural capital boosts the effect of business efficiency on ROA but not on ROS. Limitations: This study is confined to Palembang City and the creative economy MSME sector, necessitating cautious generalization to other regions or sectors. Future research should explore additional moderating variables beyond IC.   Contribution: This study contributes to the understanding of IC's role in enhancing business efficiency and its subsequent impact on the financial performance of creative economy-based MSMEs. Novelty: This research highlights the critical importance of managing human capital and structural capital to improve financial outcomes, providing new insights into the factors influencing the performance of creative-economy MSMEs.
Dampak Financial Technology (Fintech) terhadap Pengangguran di Beberapa Negara Berkembang Putri, Prince Amalia; Santi, Fitri
Jurnal Maksipreneur Vol 15 No 1 (2025)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v15i1.2413

Abstract

This study aims to analyze the effect of financial technology (fintech) adoption on unemployment rates in 77 developing countries with observation periods in 2014, 2017, and 2021. Fintech is represented by four main indicators, namely bank account ownership (BA), internet use for payments (IU), digital transactions (DP), and mobile money account ownership (MMA). The research data were sourced from the Global Findex Database and the World Bank, analyzed using panel data regression with a Random Effect Model (REM) approach through the Generalized Least Squares (GLS) method. The results of the study show that economic growth (GDP growth) has a significant negative effect on unemployment rates, in accordance with Okun's law. In terms of fintech, bank account ownership (BA) has a significant negative effect on unemployment, confirming the role of formal financial access in increasing employment opportunities. Conversely, internet use for payments (IU) has a significant positive effect on unemployment, indicating that passive utilization has not been able to encourage the creation of new jobs. Meanwhile, the variables of digital transactions (DP) and mobile money account ownership (MMA) did not show a significant effect on unemployment. Overall, the results of the study confirm that fintech has the potential to reduce unemployment rates in developing countries, but its impact is highly dependent on the form of adoption and the level of active use. The results have significant implications for financial inclusion policies and the role of financial technology in creating job opportunities.
The Impact of ESG (Environmental, Social, Governance) Disclosure on Company Value with Audit Quality as a Moderating Variable Raflesiana, Widhea Putri; Usman, Berto; Santi, Fitri
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol. 9 No. 3 (2025): December
Publisher : Program Studi Akuntansi Universitas Langlangbuana Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/jasa.v9i3.2923

Abstract

The purpose of this study is to analyze the impact of Environmental, Social, and Governance (ESG) disclosure on company value and to demonstrate the role of audit quality in moderating this impact. This study applies a quantitative approach. The population in this study includes all companies in the financial sector listed on the Indonesia Stock Exchange, while the sample consists of financial companies that regularly publish annual reports and sustainability reports between 2021 and 2023. This study applies panel data regression analysis, which combines two types of data, namely time series and cross-section, and applies Random-Effect Model (REM) analysis. The findings of this study indicate that ESG disclosure has a positive effect on company value, but individually, environmental disclosure has no effect, social disclosure has a significant positive effect, and governance disclosure has no effect, and audit quality moderation has no effect on ESG disclosure on company value.
PELATIHAN MANAJEMEN KEUANGAN KELUARGA DALAM RANGKA MENINGKATKAN RESILIENSI DAN KOMPETENSI KELUARGA NELAYAN DI KELURAHAN MALABERO KOTA BENGKULU Santi, Fitri; Rahmayanti, Dewi; Prabawa, Sri Adji
Jurnal Pengabdian Masyarakat Bumi Rafflesia Vol. 5 No. 3 (2022): Jurnal Pengabdian Kepada Masyarakat Bumi Raflesia
Publisher : Universitas Muhammadiyah Bengkulu

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

Abstract

Perencanaan dan manajemen keuangan keluarga bagi individu sangat penting untuk dilakukan, tidak terkecuali bagi masyarakat nelayan Malabero. Mereka Sebagian besar mengandalkan kehidupan mereka dari hasil alam di perairan Pantai sepanjang pesisir barat Kota Bengkulu. Tantangan yang cukup besar dalam mengelola keuangan keluarga, terutama ketika hanya mengandalkan pendapatan dari hasil tangkapan ikan. Pendapatan yang tidak pasti, variabilitasnya sangat tinggi, terkadang hasil tangkapan melimpah untuk beberapa bulan dan kemudian dua tahun lebih setelahnya mungkin hasil tangkapan sangat sedikit. Ada juga faktor yang memengaruhi tingkat kesejahteraan individu (keluarga). Di antara factor tersebut adalah perilaku keuangan, lingkungan social ekonomi, factor-faktor psikologi, pengetahuan, keterampilan serta pengalaman. Kegiatan pengabdian yang akan dilakukan ini adalah peningkatan kemampuan pengelolaan keuangan keluarga melalui pelatihan manajemen keuangan keluarga untuk masyarakat nelayan Malabero, di Kelurahan Malabero Kecamatan Teluk Segara Kota Bengkulu. Oleh karena itu pada pelatihan ini Peserta pelatihan akan mendapatkan test awal (pre test) dan tes akhir (post test) terkait materi yang disampaikan oleh fasilitator atau narasumber pelatihan. Kegiatan pengabdian ini dilakukan melalui metode ceramah, curah pendapat (brainstorming) dan demontrasi untuk meningkatkan kemampuan masyarakat di dalam melakukan perencanaan, memanfaatkan informasi teknologi, menilai kondisi keuangan dan bagaimana mensikapinya dalam mengelola keuangan keluarga. Dari hasil obsevasi dan evaluasi menyatakan bahwa kegiatan pengabdian pada masyarakat melalui Pelatihan Manajemen Keuangan Keluarga telah meningkatkan Resiliensi dan Kompetensi bagi anggota Keluarga Nelayan di Kelurahan Malabero Kota Bengkulu. Berdasarkan kegiatan yang telah dilakukan disarankan agar dalam kegiatan ini terus dilaksanakan dan dikembangkan lagi, sehingga memberikan manfaat yang lebih luas pada orang lain. Kata Kunci: Manajemen Keuangan, Resiliensi, Kompetensi
Co-Authors Abdilah, Willy Ahmad Ibrahim Apriyani, Neni Ardhika, Ryan Aryoso, Herlan Asri, Vito Berto Usman, Berto Chairil Afandy Darus Altin Dewi Rahmayanti Divianto Divianto Fachry Abda El Rahman Fajar Restuhadi Intantri, Cella Nur Kamaludin Kamaludin Marini . Muhartini Salim Oktaviani, Nadila Tri Putri, Prince Amalia Raflesiana, Widhea Putri Rahmayanti , Dewi Robinson , Robinson Saiful Saiful Setiorini, Hesti Solly Aryza Sri Adji Prabawa, Sri Adji Susanti, Melly Tamsi, Fenni Lestari Vilapike , Uthari Wan Mohd Nazdrol Wijaya, Galuh Ayu Zoraya, Intan