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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Manajemen & Keuangan Journal of Economic, Bussines and Accounting (COSTING) Distribusi JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) Jurnal Pengabdian Magister Pendidikan IPA Jurnal Gema Ngabdi Journal of Enterprise and Development (JED) Khazanah Sosial Jurnal Abdi Insani JIIP (Jurnal Ilmiah Ilmu Pendidikan) JPIn : Jurnal Pendidik Indonesia Jurnal Abdimas Sangkabira International Journal of Community Service ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Prosiding Konferensi Nasional PKM-CSR The South East Asian Journal of Management Asian Journal of Management Analytics Jurnal Pepadu Journal of Management and Creative Business International Journal of Management Science E-JURNAL AKUNTANSI Journal of Sharia Economy and Islamic Tourism
Suryani, Embun
Fakultas Ekonomi Dan Bisnis Universitas Mataram, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Financial Literacy, Self Efficacy, dan Self Esteem Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM dengan Gender Sebagai Variabel Moderasi Wardani, Ni Putu Ika Saraswati; Suryani, Embun; Nugraha, I Nyoman
Jurnal Pendidik Indonesia (JPIn) Vol 5, No 2: Oktober 2022
Publisher : Yayasan Pendidikan Intan Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47165/jpin.v5i2.343

Abstract

Financial Literacy is a combination of awareness, knowledge, skills, attitudes, and behaviors needed to make good financial decisions and ultimately achieve Financial Wealth Behavior. The purpose of this study was to determine the effect of financial literacy, self-efficacy, and self-esteem on financial management behavior in MSME actors with gender as a moderating variable. This research uses associative research method. The sample in this study amounted to 100. The instrument used in this study was a questionnaire. Data were analyzed using multiple regression with the help of Partial Least Square (PLS) program. Based on the results of the study, it can be concluded that there is an influence of Financial Literacy on Financial Management Behavior on MSME actors, with a p value of 0.028 with a t statistic of 2.202. There is an influence of Self Efficacy on Financial Management Behavior in MSME actors, with a p value of 0.023 with a t statistic of 2.268. There is an effect of Self Esteem on Financial Management Behavior in MSME actors, with a p value of 0.000 with a t statistic of 7.564. Gender is not able to moderate the influence of Financial Literacy on Financial Management Behavior on MSME actors, with a p value of 0.900 with a t statistic of 0.126. Gender is not able to moderate the effect of Self Esfficacy on Financial Management Behavior on MSME actors, with a p value of 0.736 with a t statistic of 0.337. Gender is not able to moderate the influence of Self Esteem on Financial Management Behavior on MSME actors, with a p value of 0.439 with a t statistic of 0.775
Good Corporate Governance, Kredit Bermasalah, dan Likuiditas Terhadap Profitabilitas Dengan Cost Efficiency Sebagai Variabel Intervening Pada Bank Perkreditan Rakyat Upatiartha, Dwi; Nugraha, I Nyoman; Suryani, Embun
Jurnal Pendidik Indonesia (JPIn) Vol 6, No 1: April 2023
Publisher : Yayasan Pendidikan Intan Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47165/jpin.v6i1.645

Abstract

Penelitian ini bertujuan untuk menguji Pengaruh Good Corporate Governance, Kredit Bermasalah dan Likuiditas Terhadap Profitabilitas melalui Cost Efficiency Pada Bank Perkreditan Rakyat Di Provinsi Nusa Tenggara Barat. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian asosiatif dengan pendekatan kuantitatif. Populasi dalam penelitian ini sebanyak 29 Bank Perkreditan Rakyat di Provinsi Nusa Tenggara Barat. Sampel dalam penelitian ini diperoleh dengan menggunakan teknik purposive sampling, sehingga diperoleh 18 sampel. Metode pengumpulan data yang digunakan dalam penelitian ini adalah metode sampel survey. Hasil penelitian menunjukkan bahwa Good Corporate Governance, Kredit Bermasalah dan Likuiditas tidak berpengaruh dan tidak signifikan terhadap Profitabilitas sedangkan, untuk Cost Efficiency berpengaruh negatif dan signifikan terhadap Profitabilitas. Good Corporate Governance tidak berpengaruh dan tidak signifikan terhadap Cost Efficiency sedangkan Kredit Bermasalah dan Likuiditas berpengaruh positif dan signifikan terhadap Cost Efficiency. Serta hasil penelitian pengaruh tidak langsung menunjukkan bahwa Good Corporate Governance tidak berpengaruh terhadap profitabilitas melalui Cost Efficiency, sedangkan untuk Kredit Bermasalah dan Likuiditas berpengaruh terhadap Profitabilitas melalui Cost Efficiency.
Financial Inclusion and Financial Technology in SMEs: Investigating the Mediating Role of Risk Perception on Business Performance Purnasalam, Divia Lasasyauma; Suryani, Embun
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12524

Abstract

Purpose: This study examines the impact of financial technology and financial inclusion on the performance of small and medium-sized enterprises (SMEs) in the creative economy sector with risk perception serving as a mediating variable.Method: Data collection was conducted through surveys and questionnaire distribution to participants. The study involved a sample of 130 SMEs operating in the creative sector on Lombok Island that utilize financial technology in their businesses. A combination of purposive and accidental sampling techniques was employed. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The findings reveal that financial technology has no significant impact on risk perception, while financial inclusion demonstrates a significant effect. Similarly, financial technology does not significantly influence SME performance, whereas financial inclusion has a substantial impact. Risk perception exhibits only a minor effect on SME performance. Furthermore, risk perception does not mediate the relationship between financial technology and SME performance, nor does it mediate the relationship between financial inclusion and SME performance.Practical Implications for Economic Growth and Development: This study highlights the importance of financial inclusion in enhancing SME performance, suggesting that greater access to financial services can drive economic growth by improving business efficiency and market competitiveness. Furthermore, it emphasizes the need for policies that foster financial inclusion to support sustainable development in the creative economy sector.
Effect Of Digital Finance And Digital Payment On Sme Performance Mediated By Risk Perception Zayyani, Erika Zayyani; Suryani, Embun
Jurnal Manajemen dan Keuangan Vol 14 No 1 (2025): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i1.11187

Abstract

This study aims to analyze how SME performance is influenced by digital finance and digital payment, mediated by risk perception. This study employs a quantitative approach using primary data. Data were collected through interviews using a questionnaire as the research instrument. The population of this study includes SMEs in the creative economy sector that have adopted digital finance and digital payment. The research sample was selected based on research needs, with a total of 130 respondents. Data analysis was conducted using SmartPLS. The results indicate that digital finance has a significant positive effect on SME performance, and risk perception is not proven to mediate the relationship between digital finance and SME performance. Meanwhile, digital payment is found to have no effect on SME performance, whereas risk perception is proven to mediate the relationship between digital payment and SME performance. This research is expected to provide insights for SME actors regarding the use of digital finance and digital payment in business methods. For future researchers, it is recommended to expand the geographical scope of the study and explore other variables that influence digital technology adoption, such as government regulations or cultural factors.
Community-Based Tourism to Support Sustainable Tourism: Comparative Study in Sesaot (Indonesia) and Ban Na San (Thailand) Azahra, Nabila Putri; Saufi, Akhmad; Suryani, Embun
Khazanah Sosial Vol. 7 No. 3 (2025): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v7i3.48571

Abstract

This study explores the dynamics of community-based tourism (CBT) as a pathway to sustainable development in two culturally distinct Southeast Asian contexts: Sesaot Village in Lombok Barat, Indonesia, and Ban Na San District in Surat Thani, Thailand. Employing a qualitative case study approach, this research integrates triangulated data from interviews, observations, and document analysis, framed through a source-by-triangulation method. This study adopts content analysis and finds for: (1. Community participation and empowerment); (2. Sustainable governance and institutional synergy); (3. Capacity building and socio-cultural benefits); (4. Local challenges and institutional barriers). The findings reveal that while Sesaot relies heavily on informal leadership, cultural values, and grassroots participation, Ban Na San operates within a more structured and state-supported tourism governance framework. Despite these differences, both communities exhibit strong local identity, willingness to innovate, and a commitment to sustainability. The study concludes that CBT is most effective when it empowers communities through inclusive governance, sustained capacity-building, and locally relevant tourism strategies. These findings contribute to theoretical discussions on grassroots development and offer practical implications for CBT implementation.
Empowering Rural Communities through International Academic Collaboration: A Case Study of Trigona Honey Development and Digital Marketing in Salut Village, North Lombok, Indonesia M. Furkan, Lalu; Yu, Bao; Rois, Ihsan; Suryani, Embun; Anggun Hilendri Lestari, Baiq; Azim, Pahrul
International Journal Of Community Service Vol. 4 No. 4 (2024): November 2024 (Indonesia - Thailand - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v4i4.550

Abstract

This study presents an international community service initiative implemented in Salut Village, North Lombok, Indonesia, through collaboration between the University of Mataram and Shangrao Normal University, China. The program aimed to empower local Trigona honey producers by enhancing their technical knowledge and equipping them with digital marketing skills. Employing a qualitative case study approach, the initiative combined experiential learning, cross-cultural engagement, and capacity-building strategies to promote sustainable rural development. Results indicate increased local knowledge, digital literacy, and entrepreneurial motivation. Despite challenges such as language barriers and limited infrastructure, the program demonstrated the transformative role of higher education institutions in fostering inclusive development through global academic partnerships. The study offers practical recommendations for sustaining impact and serves as a replicable model for university-led rural innovation initiatives aligned with the Sustainable Development Goals.
The Business Of Sustainable Tourism: University Programs Empowering Local Enterprises In East Lombok M. Furkan, Lalu; Suryani, Embun; Nururly, Santi; Anuar bin Arshad, Mohd.; Andryan Girsang, Zefanya; Hidayat, Nuzul
International Journal Of Community Service Vol. 5 No. 2 (2025): May 2025 (Indonesia - Malaysia - Timor-Leste)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v5i2.860

Abstract

This study documents an international community service program conducted in Teluk Jekung and Maringkik Island, East Lombok, Indonesia, through collaboration between Universiti Sains Malaysia (USM) and University of Mataram. The initiative focused on promoting sustainable tourism practices among local communities, including boat operators (Boatman), small medium business owners (UMKM), and island residents. Using a participatory approach, the program combined on-site training, stakeholder discussions, and practical solutions for environmental and economic challenges. Results demonstrated increased community awareness of sustainable tourism principles, improved hospitality skills among Boatman groups, and enhanced business strategies for UMKM. The study highlights the value of international academic partnerships in addressing local development needs while providing recommendations for sustaining long-term impact.
Pengaruh Keadilan Organisasi Dan Budaya Kerja Terhadap Komitmen Karyawan Pada Samsat Praya miati, Yas; miah, Sulai; Suryani, Embun
Journal of Sharia Economy and Islamic Tourism Vol 3, No 1 (2022): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v3i1.13061

Abstract

This study aims to determine the influence of Organizational Justice and Work Culture on Employee Commitment to SAMSAT PRAYA. The type of research used is causal associative with a quantitative approach. The data collection method used is the census method. Respondents with a total of 73 employees of SAMSAT PRAYA Central Lombok. The data collection techniques used are interviews, documentation, and disseminating questionnaires containing statements about the organizational fairness of work culture and employee commitments. The analysis tool used is Multiple Linear Regression Analysis by using the SPSS version 26 For Windows program. The results of the data analysis showed that; (1) organizational fairness has a positive and significant effect on employee commitment, (2) work culture has a positive and significant effect on employee commitment ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Keadilan Organisasi dan Budaya Kerja Terhadap Komitmen Karyawan pada SAMSAT PRAYA. Jenis penelitian yang digunakan adalah asosiatif kausal dengan pendekatan kuantitatif. Metode pengumpulan data yang digunakan adalah metode sensus. Responden dengan jumlah 73 orang pegawai SAMSAT PRAYA Lombok Tengah. Teknik pengumpulan data yang digunakan adalah wawancara, dokumentasi, dan menyebarkan kuesioner yang berisi pernyataan tentang keadilan organisasi budaya kerja dan komitmen karyawan. Alat analisis yang digunakan adalah Analisis regresi Linier Berganda dengan menggunakan program SPSS versi 26 For Windows. Hasil analisis data menunjukkan bahwa; (1) keadilan organisasi berpengaruh positif dan signifikan terhadap komitmen karyawan, (2) budaya kerja berpengaruh positif dan signifikan terhadap komitmen karyawan
Pengembangan Garam Lokal Menjadi Produk Spa Kecantikan Untuk Meningkatkan Perekonomian Masyarakat di Desa Pijot Suryani, Embun; Serifudin; Hidayati, Siti Aisyah; Ahyar, Muhamammad; Khairunnisa; Ramdani, Gilang; Hidayat, Pramana Wahyu
Jurnal Pengabdian Magister Pendidikan IPA Vol 6 No 4 (2023): Oktober-Desember 2023
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jpmpi.v6i4.5398

Abstract

Desa Pijot berada di pesisir pantai dengan ketinggian dari permukaan laut sebesar 500 mdpl menyebabkan sumber penghasilan masyarakat sebagian besar dari hasil laut. Salah satu mata pencaharian masyarakat pesisir di Desa Pijot yaitu sebagai petani garam,dimana dalam pengolahan produksi garam masyarakat belum bisa memaksimalkan garam yang mereka produksi. Potensi ini meningkat dengan mulai beroperasinya Sirkuit Internasional Mandalika, karena Desa Pijot sebagai salah satu desa penyangga memiliki peran penting untuk mendukung pengembangan pariwisata di Pulau Lombok. Potensi garam di Desa Pijot sangat besar, dimana desa ini menjadi salah satu penghasil garam terbesar di Pulau Lombok. Namun, potensi tersebut belum dikelola secara optimal dan professional. Produk garam Desa Pijot hanya dipasarkan seputar Pulau Lombok, tidak dilakukan pengemasan yang hygienis dan hanya untuk memenuhi kebutuhan rumah tangga. Untuk itu, melalui kegiatan pengabdian ini akan dilakukan upgrading produk garam yang dihasilkan petani garam di Desa Pijot secara professional dan berkelanjutan. Target yang ingin dicapai dari kegiatan pengabdian ini adalah: 1) terbentuknya produk garam spa kecantikan; 2) terbentuknya produk garam rumah tangga yang dikemas secara hygienis; 3) terbentuknya produk oleh-oleh khas Desa Pijot; dan 4) meningkatnya pendapatan petani garam Desa Pijot. Kegiatan ini dilaksana dengan menggunakan pendekatan Participatory Rural Appraisal yang menekankan keterlibatan masyarakat dalam keseluruhan kegiatan mulai dari perencanaan, pelaksanaan dan evaluasi program.
Pemanfaatan Aplikasi Keuangan berbasis Web (SEMETON BUMDES) untuk meningkatkan efektifitas Pengelolaan Keuangan pada BUMDes Desa Wisata Suryani, Embun; Sarifudin; Hidayati, Siti Aisyah; Akhyar, Muhammad
Jurnal Pengabdian Magister Pendidikan IPA Vol 7 No 3 (2024): Juli - September
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jpmpi.v7i3.9078

Abstract

Badan Usaha Milik Desa (BUMDes) merupakan institusi yang dibentuk oleh pemerintah desa serta masyarakat untuk mengelola kegiatan-kegiatan ekonomi desa. Namun, BUMDes dalam menjalankan fungsinya juga dihadapkan pada permasalahan internal terkait keterbatasan kemampuan SDM, salah satunya adalah sistem akuntansi dan manajemen keuangan yang buruk, sehingga pengelolaan keuangan BUMDes menjadi tidak optimal. Hal inilah yang menjadi hambatan utama bagi BUMDes untuk mendapatkan akses permodalan ke lembaga keuangan formal. BUMDes tidak mampu menerapkan administrasi keuangan yang sesuai dengan standar. Salah satu upaya yang dapat dilakukan adalah mendorong peningkatan kapasitas usaha dan akses pembiayaan BUMDes adalah dengan menyediakan sarana pencatatan transaksi keuangan yang terstandar dan sederhana. Melalui kegiatan penelitian selama dua tahun, telah dibentuk Aplikasi Keuangan untuk BUMDes berbasis web. Aplikasi ini sangat mudah digunakan dan telah memenuhi standar akuntansi pelaku usaha kecil mikro, dimana dalam hal ini adalah BUMDes. Aplikasi ini bernama “Semeton Bumdes”. Untuk itu, dilakukan pelatihan dan pendampingan penggunaan aplikasi keuangan Semeton BUMDes kepada pengelola BUMDes di desa wisata, Desa Kute Kecamatan Kute Kabupaten Lombok Barat. Pelaksanaan pembinaan ini menggunakan pendekatan Participatory Rural Appraisal yang menekankan keterlibatan masyarakat dalam keseluruhan kegiatan mulai dari perencanaan, pelaksanaan dan evaluasi program. Kegiatan ini terbagi menjadi tiga yaitu: 1) sosialisasi tentang upaya untuk meningkatkan pengetahuan dan pemahaman standar pencatatan dan pelaporan keuangan; 2) demonstration plot penggunaan aplikasi keuangan berbasis web bagi pengelola BUMDes; dan 3) pendampingan penggunaan aplikasi keuangan berbasis web bagi pengelola BUMDes Desa Kute. Melalui pelatihan dan pendampingan ini meningkatkan kemampuan pengelola BUMDes untuk memahami proses pencatatan keuangan menggunakan aplikasi pencatatan keuangan berbasis web (Semeton BUMDes).
Co-Authors Abdul Mannan, Siti Sofiyah Ade Risbian Isnaeni Adi Septiawan Adi Septiawan Adi Septiawan Agus Septiawan Agusdin Ahyar, Muhamammad Akhmad Saufi Alamsyah Alamsyah Ala`a Nimer AbuKhalifeh Anggun Hilendri Lestari, Baiq Anton R. Sabella Anuar bin Arshad, Mohd. Azahra, Nabila Putri Azim, Pahrul Baiq Handayani Rinuastuti, Baiq Handayani Budi Santoso Dewi Rahmasari Diswandi Diswandi Diswandi Djoko Kisworo Donny Oktavian Syah Dwi Putra Buana Sakti Dwi Upatiartha Erwan, Muhammad Fidiya, Fidiya Frebiana Joe, Angelina Furkan, Lalu M. G. A. Sri Oktaryani Gusti Ayu Sri Oktariyani Gusti Ayu Sri Oktariyani Guswulandari Handry Sudiartha Athar Hidayat, Pramana Wahyu Hikmah Julia Husnan, Lalu Hamdani Husni, Vici Handalusia I Nyoman Nugraha I Nyoman Nugraha Ardana P I Nyoman Nugraha Ardana Putra IHSAN ROIS, IHSAN Juliana, Nana Jurnal Pepadu Khairunnisa L. M. Furkan L. Muhammad Furkan L.M. Furkan Lalu Adi Permadi Lalu Hamdani Husnan Lalu M Furkan Lalu M. Furkan Lalu Muhamad Furkan Lalu Muhammad Furkan Lasri Supriana Luh Putu Widyani Puspitawati, Ni Lupiyoadi, Rambat M Muhdin M. Ali M. Furkan, Lalu M. Zeldy Septiawan miah, Sulai miati, Yas Muhamad Ahyar Muhamad Akhyar Muhamad Akhyar Muhamad Ali Muhammad Akhyar Muhammad An Nagib A. Smith Muhdin Muhdin Muttakin, Zayyinul Nadia Rizkiana Ni Ketut Surasni Ni Luh Debby Maharani Eka Putri Ningsih, Septia Nugraha, I Nyoman Nur Aida Arifah Tara Nurmayanti, Siti Nuzul Hidayat, Nuzul Oktaryani, Sri Permadi, Lalu Adi Prima Astuti Handayani Purnasalam, Divia Lasasyauma Qurrota A’yuni Rahmasari, Dewi Rahmasari Rahmi Restianti Ramdani, Gilang Riadien, Pena Saipul Arni Muhsyaf Salsabyla Azky Santy Nururly Saputra, Alga Doni Saputra, Davit Sarifudin SARIFUDIN Sarifudin Sarifudin Sarifudin Serif Sarifudin Serip Sarifudin Serip Serif, Sarifudin Serifudin Serifudin Serif Sinta Almanika Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Suciani Zubair Sudi Harnowo Sufiana Pujiarti Sukmawati Sukmawati Syahrul Syahrul Ulfa, Yakut Nahdiana Upatiartha, Dwi Utami Widya Astuty, Ratna Wahyulina, Sri Wardani, Ni Putu Ika Saraswati Yu, Bao Yuan, Zhang Yunita Yunita Zainal Abidin Zainal Abidin Zayyani, Erika Zayyani Zefanya Andryan Girsang