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READINESS TO ADOPT QRIS AMONG MSMES IN SAMARINDA: AN EMPIRICAL ANALYSIS Wulansari, Kristin; Shoimah, Siti; Agustiningtyas, Eka; Suryadi, I Gede Iwan; Rahajaan, Thomas Evi Viktor
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 11, No 2 (2024): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v11i2.5880

Abstract

Quick Response Code Indonesian Standard (QRIS), developed by Bank Indonesia and the Indonesian Payment System Association, is a versatile payment system that accepts transactions from both bank and non-bank sources. Given the increasing competitive business environment and the necessity for efficient and swift payment systems, Micro, Small, and Medium Enterprises (MSMEs) need to be prepared to adopt QRIS. This study aims to assess the readiness of MSMEs in Samarinda to implement QRIS. The research employs the Technology Acceptance Model (TAM) with the inclusion of a trust variable. Primary data were collected from 220 respondents and analyzed using AMOS. The study examines six variables: trust, perceived usefulness, perceived ease of use, attitude, behavioral intention, and adoption system. Eight hypotheses were tested, all showing significant effects: trust on perceived ease of use, trust on perceived usefulness, perceived ease of use on perceived usefulness, trust on attitude, perceived ease of use on attitude, perceived usefulness on attitude, attitude on behavioral intention, and behavioral intention on the adoption system. The findings suggest that the readiness of MSMEs to adopt QRIS is crucial for accelerating national economic recovery post-COVID-19, particularly for MSMEs in Samarinda. The adoption of QRIS is expected to enhance the efficiency and effectiveness of payment systems, contributing to the overall growth and competitiveness of MSMEs.
Empowering Communities through Vegetable Innovation: A Case Study of Green Mustard Nuggets in Petiyintunggal Village Siti Shoimah; Ari Rusnia Widhya F Widhya; Cinta Ayu Amaliyah Amaliyah; Hasmah Hasmah; Handariyatul Maimunah
Shof Journal of Social Impact Vol. 1 No. 2 (2024): August
Publisher : Shof Literacy Community

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

Abstract

Vegetable consumption is crucial for a balanced diet, providing essential vitamins, minerals, and fiber. In Indonesia, however, average vegetable intake is significantly below the World Health Organization's recommendation, contributing to health issues like stunting, particularly among vulnerable groups such as children and pregnant women. To address this, a community service initiative by Universitas Islam Darul 'Ulum Lamongan focused on Petiyintunggal Village, East Java, aimed to enhance vegetable consumption through green mustard nugget production. The program targeted PKK (Family Welfare Empowerment) members, providing them with training in nugget preparation, from ingredient handling to packaging. Results showed significant improvements in participants' knowledge and skills, with post-training assessments indicating a rise in understanding of nutritional benefits, production processes, and packaging. This initiative successfully combined health benefits with economic opportunities, contributing to local economic resilience and sustainable community development.
THE NEXUS OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND FINANCIAL INCLUSION ON FINANCIAL PERFORMANCE: INSIGHTS FROM LAMONGAN'S CULINARY MSMES Maulidia Putri, Ihza Zamzara; Rachmaniyah, Fatichatur; Shoimah, Siti
DIVERSITY Logic Journal Multidisciplinary Vol. 2 No. 3 (2024): December: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v2i3.102

Abstract

Background: The MSME culinary sector is one of the most popular industries in Indonesia, particularly in Lamongan. MSME entrepreneurs in this sector need to enhance their understanding of financial literacy and financial inclusion to improve their business's financial performance. Additionally, keeping up with modern developments by utilizing financial technology is crucial to optimizing financial management. Research Purpose: This study aims to understand how financial literacy, fintech, and financial inclusion impact the financial performance of culinary micro, small, and medium enterprises in Lamongan. Research Method: This study uses an explanatory quantitative research approach. Data collection was conducted through Likert-scale questionnaires distributed to 140 MSME respondents in the culinary sector in Lamongan. These respondents were selected using purposive sampling, and the data were analyzed using multiple linear regression. Findings: The study reveals that financial literacy and inclusion enhance the financial performance of culinary micro, small, and medium enterprises in Lamongan. While fintech's role is insignificant, a synergistic approach involving all three factors significantly contributes to improved performance. Conclusion: Financial literacy and financial inclusion among MSMEs in Lamongan's culinary sector are relatively good. However, the application of financial technology does not significantly affect financial performance, as most consumers in Lamongan, from lower-middle-income groups, do not widely use fintech for transactions.
Peningkatan Produktivitas Produksi dan Kapabilitas Pemasaran Melalui Pendampingan dan Pelatihan Pengolahan Limbah Pakaian di BUMDes Berkaho Pungpungan Sahri Sahri; Siti Shoimah; Ita Aristia Saida
I-Com: Indonesian Community Journal Vol 4 No 4 (2024): I-Com: Indonesian Community Journal (Desember 2024)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/icom.v4i4.5603

Abstract

This community service program aims to increase production productivity and marketing capabilities through assistance and training in clothing waste processing at Village-Owned Enterprises (BUMDes) Berkaho, Pungpungan Village, Kalitidu District, Bojonegoro Regency. The main problems faced by BUMDes Berkaho are the low skills and knowledge in processing clothing waste into products of economic value and limited access and ability to market these products. The training method used includes preparation, socialization, training, technology adaptation, mentoring and evaluation, and program sustainability. The results of the program show a significant improvement in clothing waste treatment skills. BUMDesa Berkaho is able to produce various handicraft products such as bags, wallets, and other accessories that have a high selling value. In addition, the trainees also showed creativity in creating new designs that are more varied and interesting. In terms of Marketing, BUMDes Berkaho was introduced to digital marketing strategies, such as the use of social media and e-commerce platforms to promote and sell products. The evaluation of the program shows that the assistance and training provided have a positive impact on increasing the income of the people of Pungpungan Village. The handicraft products produced have succeeded in attracting the interest of consumers both from inside and outside the region
PENGOLAHAN IKAN RUCAH MENJADI NUGGET BERNUTRISI: IMPLEMENTASI CIRCULAR ECONOMY DI DESA WERU, LAMONGAN Shoimah, Siti; Laila Arisandra, Martha; Rizal bahary, Achmad
Buletin Abdi Masyarakat Vol 5, No 2 (2025): Edisi Februari 2025
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/bam.v5i2.764

Abstract

Circular economy merupakan pendekatan berkelanjutan yang bertujuan untuk meminimalkan limbah dan memaksimalkan penggunaan sumber daya. Di Desa Weru, Lamongan, ikan rucah yang sering dianggap sebagai limbah memiliki potensi besar untuk diolah menjadi produk makanan bernilai tambah, seperti nugget ikan. Artikel ini mendeskripsikan program pengabdian masyarakat yang melibatkan Ibu PKK Desa Weru dalam memanfaatkan ikan rucah untuk menghasilkan nugget sehat dan bergizi. Metode yang digunakan meliputi pelatihan pengolahan ikan rucah menjadi nugget, edukasi tentang nilai gizi produk, serta strategi pemasaran produk berbasis lokal. Hasil menunjukkan peningkatan keterampilan peserta dalam pengolahan ikan rucah, kesadaran akan pentingnya pemanfaatan limbah organik, serta tambahan pendapatan keluarga. Program ini memberikan kontribusi nyata pada pengembangan ekonomi sirkular di tingkat desa dan peningkatan kesejahteraan masyarakat.
ANALISIS FAKTOR PENGGUNAAN MARKETING MIX SEBAGAI PERTIMBANGAN KONSUMEN DALAM MEMILIH PAVING DI CV. OPEN ARTO MADURAN – LAMONGAN Nawari, Nawari; Shoimah, Siti
Promosi: Jurnal Program Studi Pendidikan Ekonomi Vol 9, No 2 (2021): PROMOSI
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/pro.v9i2.4509

Abstract

This research was conducted to find out what factors are considered by consumers in choosing Paving CV Open Arto. In Maduran Lamongan which is always crowded with visitors even though there are many other paving productions standing around Paving CV Open Arto.. The purpose of this study is to find out which factors are the most dominant consumers consider among the 7P product marketing mix variables, price, location, promotion, people, processes and physical evidence in the CV Open Arto. Maduran - Lamongan. The research method used in the CV Open Arto. is a quantitative method with a population of 4,320 visitors and 100 samples to be examined. This study uses factor analysis with SPSS and the results show that the dominant factor considered by consumers in choosing Paving is a person factor with an eigen value of 6,887 and the lowest factor is a product with an eigen value of 1,541.Keywoords: Marketing Mix, Consumer Considerations, Factor Analysis.
Mendorong usaha tani berkelanjutan melalui kolaborasi edukasi pupuk organik di Sukodadi Shoimah, Siti; Sholikin, Ahmad; Trivena, Shinta Maharani; Himma, Faiqotul; Putri, Windy Anissa Amilia
Penamas: Journal of Community Service Vol. 5 No. 2 (2025): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v5i2.1918

Abstract

The agricultural sector in Sukodadi District, Lamongan, faces various structural challenges, including land degradation, dependency on chemical fertilizers, and fluctuations in climate and prices that impact the sustainability of farming activities. In response to these issues, a community engagement program was conducted through socialization and training on the use of petroganic organic fertilizers, in collaboration with CV Berkah Jaya as the strategic fertilizer distributor partner. This activity aimed to enhance farmers’ technical knowledge, environmental awareness, and managerial skills to promote sustainable agricultural practices. A participatory and contextual approach was used to ensure that the materials were easily understood and relevant to the farmers’ conditions. Post-activity survey results showed a significant increase in understanding (92%), recognition of environmental benefits (96%), and willingness to adopt organic fertilizers (87%). The program also broadened farmers’ perspectives on value-added potential and market access for organic agricultural products. These findings indicate that integrated education supported by cross-sector collaboration can drive behavioral change and strengthen agricultural resilience while contributing to the achievement of the Sustainable Development Goals (SDGs).
Pengaruh Literasi Keuangan, Pengendalian Diri, dan Penggunaan E-Money Terhadap Perilaku Konsumtif Generasi Z (Studi Kasus pada Mahasiswa Fakultas Ekonomi UNISDA Lamongan) Anjelika, Selfi Quraini; Bilgies, Ana Fitriyatul; Shoimah, Siti
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2377

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, pengendalian diri, dan penggunaan e-money terhadap perilaku konsumtif Generasi Z. Penelitian ini menggunakan metode kuantitatif dengan jumlah sampel sebanyak 89 responden. pengambilan sampel menggunakan teknik simple random sampling dan data diperoleh dari penyebaran kuesioner. metode analisis yang digunakan yaitu statistik deskriptif, uji kualitas data, uji asumsi klasik, uji regresi linier berganda, uji hipotesis, dan uji koefisien determinasi (r2) dengan pengolahan data menggunakan SPSS versi 27. Hasil penelitian menunjukkan bahwa literasi keuangan, pengendalian diri, dan penggunaan e-money berpengaruh positif dan signifikan terhadap perilaku konsumtif Generasi Z. Temuan ini menunjukkan bahwa ketiga variabel tersebut secara bersamaan memiliki kontribusi terhadap meningkatkan atau kecenderungannya individu dalam melakukan perilaku konsumtif.
Strategi Pengelolaan Kelas dalam Pembelajaran Pendidikan Agama Islam di Madrasah Ibtidaiyah Muhammadiyah Congol Siti Shoimah; Khuriyah, Khuriyah
Khazanah Akademia Vol. 8 No. 01 (2024): Khazanah Akademia
Publisher : Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jurnalkhazanahakademia.v8i01.296

Abstract

One of the key factors that influence the effectiveness of Islamic religious education (PAI) learning is classroom management strategies. The purpose of the study was to examine effective classroom management strategies in Islamic education learning at MI Muhammadiyah Congol. The research method is a qualitative case study approach. Data collection techniques were interviews, observation, and documentation. The findings of the study show that there are four aspects in effective classroom management strategies in PAI learning. These aspects include the preparation of the learning environment, the teaching approach adopted by the teacher, classroom administration management, as well as behavior control and strengthening motivation in students. Resource constraints, differences in student understanding, and limited allocation of learning time become obstacles. The results suggest expanding school support, improving teacher competence and increasing students' active participation to overcome these problems. By implementing effective classroom management strategies, it is expected to improve the quality of Islamic education learning and achieve the goals of Islamic education optimally. The implications of these findings can improve the quality of PAI learning at MI Muhammadiyah Congol and provide a foundation for further research.
PENGARUH BAURAN PEMASARAN TERHADAP KEPUTUSAN PEMBELIAN PADA CV. OPEN ARTO MADURAN LAMONGAN Nawari, Nawari; Shoimah, Siti
Patria Artha Management Journal Vol 5, No 2 (2021): Patria Artha Management Journal
Publisher : Patria Artha University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33857/pamj.v5i2.507

Abstract

This study generally aims to determine the extent of the marketing mix relationship to purchasing decisions in CV. Open Arto Maduran Lamongan and to find out price variables, distribution channels, products and promotions that have a dominant influence and relationship to purchasing decisions products in CV. Open Arto Maduran Lamongan.The type of research used is a type of correlational research. Correlational research is a research that highlights the relationship between the variables studied and tests the hypotheses previously formulated. As for the purpose of the correlational research is to detect variations in variation in a variable relating to variations in variation on one or more other variables based on the correlation coefficient.The population in this study were consumers or customers in CV. Open Arto Maduran Lamongan. A population of 102 respondents, while the sample was set at 50% of the total population which was equal to 51 respondents. The sampling technique used in this study uses a simple random sampling technique, which is a simple random sampling technique, where the sample size is taken so that each research unit of the population is likely to be selected as a sample.From the results of the partial correlation test, it can be seen that the price variable (X1), distribution channel (X2), product (X3) and promotion (X4) have a partial effect on purchasing decisions (Y) on CV. Open Arto Maduran Lamongan. This can be proven from the results of the T-Variable Price (X1) count (2,584), Distribution Channels (X2) of (2,577), Product (X3) of (1,961) and Promotion (X4) of (5,943). With t table of (1.675). Then the T-count of the four variables is greater than t-table.