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All Journal Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Jurnal Akuntansi : Kajian Ilmiah Akuntansi (JAK) Jurnal Studi Manajemen dan Bisnis JURNAL MANAJEMEN MOTIVASI Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Management and Economics Journal (MEC-J) SEIKO : Journal of Management & Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JSHP (Jurnal Sosial Humaniora dan Pendidikan) Maker: Jurnal Manajemen Abdimas Universal Journal of Islamic Economics Lariba Journal of Applied Community Engagement (JACE) Jurnal Pengabdian Sosial
Khairiyah, Nurul Musfirah
Politeknik Negeri Balikpapan
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALYSIS OF THE PERCEPTION OF THE MILLENNIAL GENERATION'S INTEREST IN THE PROCESS OF USING M-BANKING AFTER REBRANDRING Sari, Dessy Handa; Khairiyah, Nurul Musfirah; Surono, Prasetyo Indra; Dharmawan, Ida Bagus
JURNAL MANAJEMEN MAKER STIE SULTAN AGUNG Vol 10 No 2 (2024): Volume 10 Nomor 2 Tahun 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/mjm.v10i2.703

Abstract

Human life is greatly influenced by the advancement of information technology. In the midst of a shift in people's lifestyles, banking businesses are turning to services that have a digital basis to increase industry competition and obtain potential target markets. To make transactions easier for customers, internet banking, SMS banking, mobile banking, automatic teller machines, and electronic data capture are some of the services provided. This resulted in an increase in revenue based on costs (Otoritas Jasa Keuangan, 2015) Currently, many banks are rebranding in M-Banking, The purpose of this study is to find out the influence of the convenience, benefits, attitudes and behavioral control of the millennial generation on the decision to use mobile banking services through interest after rebranding. The main data for this study comes from millennial customers who use mobile banking who have rebranded. Smart PLS 3.0 software is used to analyze Partial Least Square (PLS) data
Penguatan dan Pengembangan Fasilitas Pasar Tradisional Pandansari Untuk Meningkatkan Transaksi Perekonomian Khairiyah, Nurul Musfirah; Apriani, Endang Sri; Sari, Dessy Handa; Agustin, Kety Lulu; Giarto, Rahmat Bangun; Dharmawan, Ida Bagus; Ismawanto, Totok
Jurnal Pengabdian Sosial Vol. 2 No. 11 (2025): September
Publisher : PT. Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/yacexm96

Abstract

Pasar Pandansari adalah salah satu ikon perdagangan tradisional di Balikpapan, Kalimantan Timur. Terletak di kawasan strategis yang mudah diakses dari berbagai penjuru kota, pasar ini dikenal sebagai pusat ekonomi yang ramai sekaligus tempat wisata belanja yang menarik. Sebagai pasar terbesar di Balikpapan, Pandansari menjadi tujuan utama masyarakat setempat maupun wisatawan yang ingin mencari berbagai kebutuhan rumah tangga, oleh-oleh khas Kalimantan, hingga produk unik hasil karya lokal. Dengan menciptakan lingkungan pasar yang lebih menarik, pasar tradisional dapat bersaing secara efektif dengan  format  ritel  modern,  yang  seringkali  menjadi  kelemahan  pasar tradisional, Akan tetapi terdapat berbagai permasalahan yang masih perlu dibenahi, berikut adalah beberapa fasilitas pasar pandan sari yang perlu untuk mendapat perhatian berdasarkan koordinasi dengan mitra yaitu berupa  rambu lalu lintas keluar masuk parkir dan tempat berkumpul, Plang papan pengumuman spanduk tempat konsultasi bagi pedagang dan pengelola pasar. Permasalahan diatas akhir dapat terselesaikan dengan membuat beberapa rambu lalu lintas, pemasangan plang spanduk dan pembuatan tempat duduk dari besi. Semoga dengan adanya kegiatan ini Masyarakat pengujung pasar Pandansari menjadi lebih tertib dan dapat meningkatkan perekonomian Pasar Pandansari
The Influence of Digital Marketing on The Income of Micro, Small, and Medium Enterprises (msmes) at The Food Court of Grand City balikpapan Agustin, Kety Lulu; Apriani, Endang Sri; Sari, Dessy Handa; Khairiyah, Nurul Musfirah
Jurnal Studi Manajemen dan Bisnis Vol 12, No 2 (2025): Desember
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jsmb.v12i2.31872

Abstract

Nowadays, many marketing methods utilize digital media, including social media, marketplaces, and websites. The purpose of this study is to determine whether digital marketing influences the revenue of Micro, Small, and Medium Enterprises (MSMEs) at the Grand City Balikpapan Food Court and how this influence occurs. This type of research is descriptive mixed method research. The data source in this study is primary data, namely data sourced directly. Then the data is processed using SPSS with simple regression analysis techniques. The results of this study show that digital marketing has a significant effect on revenue. This means that if digital marketing runs well and is used as efficiently as possible, it will increase the number of consumers and will certainly increase the revenue of the MSME. Digital marketing can expand the marketing reach of MSMEs so that they can add consumers to the MSME. With the increase in consumers, it can certainly increase the revenue of Micro, Small, and Medium Enterprises (MSMEs) at the Grand City Balikpapan Food Court. The interview results also confirmed that digital marketing helps increase revenue. Meanwhile, the obstacle is that not everyone has access to digital marketing.
Determinants of student investment decisions: Examining risk perception, educational information, and financial goals with perspectives from Islamic finance Ismawanto, Totok; Sari, Dessy Handa; Khairiyah, Nurul Musfirah; Arazy, Dito Rozaqi; Opu, Nur Vita; Ramli, Ramli
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art13

Abstract

IntroductionThe rapid expansion of capital market participation among students in emerging economies has increased the importance of understanding the determinants of investment decision-making. Despite growing access to financial information, many student investors still exhibit varying levels of financial literacy, risk perception, and goal orientation. Previous studies suggest that these factors influence investment behavior, yet their combined effects remain insufficiently explored, particularly within student populations and in relation to ethical considerations in Islamic finance.ObjectivesThis study aims to examine the influence of risk perception, educational information, and financial goals on investment decisions among student investors. It seeks to identify which factors significantly shape decision-making behavior and to provide a more comprehensive understanding of investment behavior by integrating cognitive and motivational variables within a unified framework.MethodThe study employs a quantitative approach using a structured questionnaire distributed to 35 members of a capital market study group at a state polytechnic. Data were analyzed using Partial Least Squares Structural Equation Modeling to assess both measurement validity and structural relationships among variables. This method enables the evaluation of complex relationships within a relatively small sample size.ResultsThe findings indicate that educational information and financial goals have a positive and statistically significant influence on investment decisions, while risk perception does not show a significant effect. The model explains a substantial proportion of variance in investment decisions, highlighting the dominant role of knowledge and goal orientation in shaping behavior among student investors.ImplicationsThese results suggest that improving financial literacy and promoting goal-based financial planning are essential for enhancing investment decision quality. The findings also indicate that risk perception may function as a secondary or conditional factor rather than a primary determinant, particularly among less experienced investors.Originality/NoveltyThis study contributes to the literature by integrating risk perception, educational information, and financial goals within a single empirical model and by incorporating an Islamic finance perspective to enrich the interpretation of investment behavior.
Analysis of Generation Z's Purchase Interest Perception in Using QRIS in Balikpapan City Sari, Dessy Handa; Khairiyah, Nurul Musfirah; Apriani, Endang Sri; Agustin, Kety Lulu
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8285

Abstract

This study examines the impact of QRIS usage on Generation Z’s behavior and purchase intention in Balikpapan. Using a quantitative approach and questionnaire-based data, findings reveal that convenience, understanding, and benefits significantly influence user behavior, which in turn affects purchase intention. Behavior also mediates the relationship between these factors and intention. This research introduces a novel model by integrating understanding into digital transaction studies and highlighting behavior's mediating role. Results emphasize that enhancing users’ perceptions of convenience, understanding, and benefits can foster positive behavior and increase purchase intention in digital payment contexts.
The Accuracy of Using the Moving Average Cross Indicator in Technical Analysis of Indonesian Banking Stocks Endang Sri Apriani; Kety Lulu Agustin; Dessy Handa Sari; Nurul Musfirah Khairiyah
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 19, No 1: January - April 2026
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v19i1.34091

Abstract

One popular technique for financial decision-making is the moving average cross. This indicator provides signals about future stock price movements. However, the accuracy of this indicator's signals will be evaluated specifically on banking stocks listed on the Indonesia Stock Exchange. Thirty Indonesian banking companies listed on the main trading board in 2026 were selected as the research stocks. A purposive sampling procedure was used to select the research subjects, with issuers on the main board having assets exceeding 100 billion Rupiah and having been listed on the market for at least three years. Issuers on the main board are considered large issuers and can attract investors' attention. The signals provided by the 30 research subjects will then be tested using logistic regression techniques using SPSS. This approach works well for research using moving averages that have been converted into dummy data. Statistical test results indicate that the moving average cross movement is insufficient to decide which banking stocks to purchase; only 46.67% of the signals from the moving average move in accordance with the signal. More comprehensive indicators in technical analysis can be added to the analysis to make decisions and pay attention to the fundamental level of the emiten. 
Pengaruh literasi keuangan, persepsi kemudahan dan persepsi risiko terhadap minat mahasiswa dalam menggunakan pinjaman online Bintang Narendra Aji Nugroho; Nurul Musfirah Khairiyah; Ramli
JAK (Jurnal Akuntansi) Kajian Ilmiah Akuntansi Vol. 13 No. 1 (2026)
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jak.v13i1.11251

Abstract

Perkembangan teknologi era globalisasi sudah banyak mengalami kemajuan di berbagai aspek. Salah satunya di bidang ekonomi yang sudah sangat mudah hanya melalui gadget. Dalam industri keuangan khususnya perbankan menciptakan jasa layanan Financial Technology (fintech). Kehadiran fintech sangat membantu banyak masyarakat yang kesulitan dalam mengajukan pinjaman, konsumen bisa mengajukan pinjaman dengan mudah dan dalam waktu yang singkat hanya menggunakan gadget Penelitian ini memiliki tujuan untuk mengetahui dan menganalisis ada tidaknya pengaruh literasi keuangan, persepsi kemudahan dan persepsi risiko terhadap minat mahasiswa perguruan tinggi dalam menggunakan pinjaman online di kota Balikpapan. Populasi dalam penelitian ini adalah mahasiswa dari perguruan tinggi yang ada di kota Balikpapan yaitu Politeknik Negeri Balikpapan dan Institut Teknologi Kalimantan dengan jumlah sampel sebanyak 381 mahasiswa di dua perguruan tinggi negeri tersebut. Jenis data yang digunakan adalah data primer. Metode pengambilan sampel dilakukan dengan menggunakan teknik proposional simple random sampling dengan pengumpulan data menggunakan kuesioner. Hasil penelitian menunjukan bahwa literasi keuangan, persepsi kemudahan dan persepsi risiko berpengaruh terhadap minat mahasiswa dalam menggunakan pinjaman online.
Co-Authors Agustin, Kety Lulu Aldi Fardafa Andi sri Irtawaty Annisa Dewi Dharmmesti Apriani, Endang Sri Armin Armin Baehaqi Bintang Narendra Aji Nugroho Dessy Handa Sari Dito Rozaqi Arazy Endang Sri Apriani Endang Sri Apriani Giarto, Rahmat Bangun Hasriani Hasriani Ida Bagus Dharmawan, Ida Bagus Ida Suriana Ismawanto, Totok Karman, I Wayan Kety Lulu Agustin Kety Lulu Agustin Nur Vita Opu, Nur Vita Ramli Ramli Ramli Sakti, Ditto Taruna Surono, Prasetyo Indra Ulfah, Maria Wijayani, Dahyang Ika Leni