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All Journal El Dinar Classroom Action Research Journal (CARJO) International Journal of Artificial Intelligence Research Journal of Economic, Bussines and Accounting (COSTING) Conference on Innovation and Application of Science and Technology (CIASTECH) Jurnal Basicedu Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Amalee: Indonesian Journal of Community Research & Engagement Management Studies and Entrepreneurship Journal (MSEJ) JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis Tax Literacy and Leadership Agility: Indigenous Peoples Awareness in Paying Taxes SINTA Journal (Science, Technology, and Agricultural) Jurnal Pengabdian kepada Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Indonesian Community Journal Jurnal Dehasen Untuk Negeri Widyagama National Conference on Economics and Business (WNCEB) Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Jurnal Basicedu Journal of Artificial Intelligence and Digital Business Prosidia Widya Saintek The Eastasouth Management and Business West Science Interdisciplinary Studies West Science Interdisciplinary Studies INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) JER PENG: Jurnal Ekonomi dan Manajemen Jurnal Pengabdian Kepada Masyarakat Kalam J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi
Alfiana Alfiana
Fakultas Ekonomi, Universitas Widyagama Malang
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Fintech and Traditional Banking: A Bibliometric Study of Financial Innovation Judijanto, Loso; Yulistina, Yulistina; Astutik, Wahyuni Sri; Alfiana, Alfiana
West Science Interdisciplinary Studies Vol. 3 No. 03 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i03.1782

Abstract

Financial technology (fintech) has emerged as a transformative force reshaping the financial industry, influencing traditional banking institutions and introducing innovative business models. This study conducts a bibliometric analysis of fintech and traditional banking research using data from Scopus and visualization through VOSviewer. The analysis explores thematic trends, key research contributions, and evolving collaborations within financial innovation. Findings reveal that fintech has transitioned from being a disruptive force to an integral component of the financial ecosystem, fostering partnerships with traditional banks. Key themes include digital banking, blockchain, artificial intelligence, financial inclusion, and regulatory challenges. The study highlights the increasing role of emerging technologies in enhancing financial services while addressing cybersecurity and compliance concerns. Global research collaboration patterns indicate a strong focus on financial inclusion and regulatory frameworks across different economies. This research provides valuable insights into the trajectory of fintech literature and identifies areas for future exploration, particularly in sustainability, AI-driven finance, and central bank digital currencies (CBDCs). 
Fintech and Traditional Banking: A Bibliometric Study of Financial Innovation Judijanto, Loso; Yulistina, Yulistina; Astutik, Wahyuni Sri; Alfiana, Alfiana
West Science Interdisciplinary Studies Vol. 3 No. 03 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i03.1782

Abstract

Financial technology (fintech) has emerged as a transformative force reshaping the financial industry, influencing traditional banking institutions and introducing innovative business models. This study conducts a bibliometric analysis of fintech and traditional banking research using data from Scopus and visualization through VOSviewer. The analysis explores thematic trends, key research contributions, and evolving collaborations within financial innovation. Findings reveal that fintech has transitioned from being a disruptive force to an integral component of the financial ecosystem, fostering partnerships with traditional banks. Key themes include digital banking, blockchain, artificial intelligence, financial inclusion, and regulatory challenges. The study highlights the increasing role of emerging technologies in enhancing financial services while addressing cybersecurity and compliance concerns. Global research collaboration patterns indicate a strong focus on financial inclusion and regulatory frameworks across different economies. This research provides valuable insights into the trajectory of fintech literature and identifies areas for future exploration, particularly in sustainability, AI-driven finance, and central bank digital currencies (CBDCs). 
Increasing the loyalty of cooperative members : The influence of sharia compliance, employee responsibility, and trust Alfiana, Alfiana; Hanifah, Luluk
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 2 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i2.1550

Abstract

This study examines the determinants of cooperative member loyalty through the lens of Sharia compliance, employee accountability, and trust. The research methodology used quantitative analysis. Data collection methods included questionnaires and structured interviews with 80 research participants. The population consisted of all Ikhlas Beramal Bangkalan Islamic marketing cooperative members. In addition, the data from these respondents were analyzed using SPSS software. Analysis of the research data shows that Sharia compliance shows a negative correlation and does not significantly affect member loyalty. In contrast, employee responsibilities positively correlate with and significantly affect member loyalty. In addition, trust shows a negative correlation and significantly impacts member loyalty. The three elements collectively influence the loyalty of the Ikhlas Beramal Bangkalan Sharia marketing cooperative members. Public interest statement Since employee accountability positively impacts loyalty, cooperatives should prioritize staff training to improve professionalism and service quality. The negative effect of Sharia compliance and trust suggests a need to reassess its implementation, ensuring alignment with member expectations through more transparent communication and better integration.
Market Research Analysis of Applied Technology in Shallot Retail Traders Alfiana, Alfiana; Finahari, Nurida
SINTA Journal (Science, Technology, and Agricultural) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/sinta.5.2.%p

Abstract

Retailers are the lowest level traders in the marketing distribution channel . They are identified as agents who act as ‘product delivery people’, without making product modifications . Their main activity is taking merchandise from distributors, sold directly in small packages. Shallot retailers also experience the same stigma, even though their products characteristics require special handling to prevent rotting before being sold. So far, the technology need for shallot products is considered only by farmers and large distributors. A preliminary market research has been conducted on a limited basis to see the need for shallot processing technology at the retail trader level. The research method used a G-Form-based questionnaire distributed to the shallot trader community, or filled out by surveyors during direct interviews. The research results showed that 4% of respondents stated that they needed appropriate technology, in form of drying machine, with 5 kg/hour maximum capacity, electric drive, and maximum price of around 5 million rupiah. The respondents majority  (95%) seemed to state that they did not have procurement funds. It is predicted that 80-96% of respondents need the drying machine. This shows that there is a market opportunity for the technology, small scale, for shallot retailers in particular.
Peningkatan Literasi Keuangan Keluarga Melalui Pencatatan Digital di Komunitas PKK Kelurahan Jatisampurna, Bekasi : Pelatihan Dasar Akuntansi Rumah Tangga Berbasis Aplikasi Android Alfiana, Alfiana; Awaludin, Dipa Teruna; Ningsih , Titiek Surya; Kusuma, Ema; Tasrim, Tasrim
Jurnal Pengabdian Kepada Masyarakat Kalam Vol. 3 No. 2 (2024): Literasi Informasi dan Dunia Peradaban Digital Manusia
Publisher : Prisani Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70704/jpk.v3i2.374

Abstract

Financial literacy is an important foundation in realizing sustainable household welfare. In practice, many families, especially those managed by housewives, do not yet have the habit or skills to record and plan expenses systematically. This training aims to improve family financial literacy through digital financial recording education using a simple and easily accessible Android application. The target of the activity is the PKK mothers' community in Jatisampurna Village, Bekasi. The training method is carried out through a participatory approach with stages of identifying needs, compiling modules, direct training, practicing using the application, pre-test and post-test evaluations, and post-training assistance. The results of the activity showed a significant increase in participants' understanding of the basic principles of financial recording and technical skills in using digital applications for household needs. This training also had an impact on changing participants' financial mindsets to be more planned and data-based
Bibliometric Study of Systemic Risk in Banking Sector Alfiana, Alfiana
The Eastasouth Management and Business Vol. 3 No. 03 (2025): The Eastasouth Management and Business (ESMB)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esmb.v3i03.556

Abstract

This bibliometric study provides a detailed analysis of the literature on systemic risk in the banking sector, focusing on publications from 2015 to 2025. Using data sourced exclusively from Scopus, this study maps the intellectual landscape of systemic risk research, identifying the main contributors, thematic trends, and research collaborations across different countries. The analysis reveals a significant increase in research activity over the decade, with a notable emphasis on the integration of technologies like artificial intelligence and the increasing influence of fintech on systemic risk management. The study highlights the importance of global collaboration in addressing the challenges posed by systemic risks, which are inherently transnational in nature. Key research gaps identified include the need for further exploration into the regulatory impacts of fintech and the cross-border effects of systemic risks. The findings provide valuable insights for academics, policymakers, and practitioners involved in financial regulation and risk management, emphasizing the need for an integrated approach to tackle the complexities of systemic risks in the banking sector.
Teknik Pengendalian Hama Tikus dengan Metode Gropyokan Di Desa Sumbersari Kecamatan Sumberharta Sumini, Sumini; Wartono, Wartono; Alfiana, Alfiana
Jurnal Dehasen Untuk Negeri Vol 4 No 2 (2025): Juli
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jdun.v4i2.8508

Abstract

Rice plants are the main food source in Indonesia which has the potential to continue to be increased in supporting rice self-sufficiency with significant production. However, rat pest attacks can reduce rice production by up to 37%. Through this community service program, the aimed is for farmers in Sumbersari Village, Sumberharta District to be able to carry out more efficient and effective pest control techniques through the gropyokan method. This activity will take place from June to August 2024 and will involve the active participation of more than 80% of local farmers. The results of this gropyokan activity showed that more than 500 rats were successfully caught. This activity also showed that rat pest attacks decreased by 30% after the implementation of the activity. Besides that, this program not only increases the effectiveness of pest control but also strengthens solidarity and cooperation between farmers. Awareness of the importance of environmentally friendly methods in pest control is growing, encouraging farmers to schedule regular gropyokan activities. This activity not only provides a practical solution to the problem of rat pests, but also fosters a spirit of collaboration and environmental awareness among village communities.
MANAJEMEN INOVASI PRODUK USAHA MIKRO, KECIL, DAN MENENGAH UNTUK MENINGKATKAN PEMASARAN DAN KEUNGGULAN PRODUK USAHA MIKRO, KECIL, DAN MENENGAH Sesario, Revi; Sugeng Karyadi; Yulistina, Yulistina; Rahma Wahdiniwaty; Alfiana, Alfiana
J-ABDI: Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 12: Mei 2025
Publisher : Bajang Institute

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

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk memberikan sosialisasi kepada wirausaha usaha mikro, kecil, dan menengah di Indonesia tentang pentingnya manajemen inovasi produk usaha mikro, kecil, dan menengah untuk meningkatkan pemasaran dan keunggulan produk usaha mikro, kecil, dan menengah. Subjek dalam pengabdian kepada masyarakat ini adalah wirausaha usaha mikro, kecil, dan menengah di Indonesia. Metode untuk pelaksanaan pengabdian kepada masyarakat menggunakan metode sosialisasi. Dalam sosialisasi ini berhasil memaparkan bahwa manajemen inovasi produk usaha mikro, kecil, dan menengah dapat meningkatkan pemasaran dan keunggulan produk usaha mikro, kecil, dan menengah.
Pengaruh Faktor Fundamental terhadap Harga Saham Indeks Infobank15 Hamida, Ika Fitria Nur; Handini, Dharmayanti Pri; Alfiana, Alfiana
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.981

Abstract

Penelitian ini bertujuan untuk menguji Pengaruh Kurs, Suku Bunga, Earnings Per Share, Return On Assets, dan Loan To Deposit Ratio terhadap Harga Saham pada Indeks Infobank15 periode tahun 2020-2024. Penelitian menggunakan pendekatan kuantitatif dengan jenis eksplanatori. Sampel diaplikasikan menggunakan strategi purposive sampling yang terdiri dari 7 perusahaan dari populasi 26 perusahaan yang secara konsisten tergabung dalam Indeks Infobank15 selama periode penelitian serta menggunakan analisis regresi linier berganda yang diolah menggunakan bantuan software IBM SPSS Statistics 27. Hasil penelitian menunjukkan bahwa secara parsial variabel Kurs dan Loan To Deposit Ratio berpengaruh negatif signifikan terhadap harga saham, sedangkan variabel Earnings Per Share dan Return On Assets berpengaruh positif signifikan terhadap harga saham. Sementara itu, variabel Suku Bunga tidak menunjukkan pengaruh signifikan terhadap harga saham perbankan. Secara simultan Kurs, Suku Bunga, Earnings Per Share, Return On Assets, dan Loan To Deposit Ratio berpengaruh terhadap Harga Saham.
Sustainable finance and green economic growth: Evidence from the Indonesian banking sector Zulbetti, Rita; Muzaffirah, Adzirah; Alfiana, Alfiana; Perwito, Perwito
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v13i1.39325

Abstract

Green economic growth has emerged as a global priority in pursuing sustainable development. This study examines the role of resource allocation efficiency in supporting green economic growth, as influenced by green financing practices, sustainable finance policies, and green financial products. A quantitative research approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The study population consisted of 107 financial institutions. A purposive sampling technique was used to select 168 respondents from 84 banks, comprising senior managers, division heads, and executives responsible for implementing sustainable finance policies—averaging two respondents per institution. The results reveal that green financing practices, sustainable finance policies, and green financial products directly and significantly impact green economic growth. Moreover, resource allocation efficiency plays a mediating role in strengthening these relationships. These findings underscore the importance of the banking sector in driving innovation in green financial products, implementing sustainable finance policies, and enhancing resource utilization efficiency. In conclusion, the banking sector holds a strategic position in advancing green economic growth. Future research could extend this framework by examining the role of non-financial sectors or exploring how digital technology transformation facilitates green financing to support sustainable development goals further.
Co-Authors - Afrizal Achmad Fathoni, Achmad Achmad Yusuf Budianto Agustina, Tria Raisya Akhmad Farid Aldy Febryawan Aloysius Ray Julian Kusdiantoro Amin, Al- Anantadjaya, Samuel PD Andiena Nindya Putri Anggy Elfa Nurliawan Ardenny, Ardenny Ari Purwanti Astutik, Wahyuni Sri Awaludin, Dipa Teruna Azizi, Muhammad Bakri, Asri Ady BillY Dewantara Cakranegara, Pandu Adi Choirul Anam AM Diponegoro Dede Hertina Dharmayanthi Pri Handini Dharmayanti Pri Handini Dhea Landy Venida Zulfa Dian Annisah Afifah Dian Widyantini Dimas Saifurrohman Donny Dharmawan edy susanto Eka, Andi Primafira Bumandava Elista, Amanda Emma Budi Sulistiarini Fadillah, Muhammad Rizki Farah Juniati Meutianingrum Faturrahman, Muhammad Hikam Fitriningsih Amalo Gatot Soebiyakto Gatot Soebiyakto Gunarianto Gunarianto Gustian, Dede Hakim, Mohamad Zulman Hamida, Ika Fitria Nur Hamzah, A. Hadian Pratama Hanifah, Luluk Hardian, Salman Hasbi, Hariandy Hasbi, Moh Ramdani Hendrawan, Henky Hermiyetti, Hermiyetti - Husen, Gayatri Nahdiyah Irdawati Irdawati Irfan Yulyansah Istigfari, Nafsa Qolbina Jemi Pabisangan Tahirs Jenny Nancy Kaligis Jiteng Andreas Judijanto, Loso Kamil, Indriyati Kartika, Erawati Klemens Mere Koerniawati, Dwi Kristiana, Ida Kusuma, Ema Laendatu Paembonan Lilis Dewi Ndaru Mulyo Arum Nirwana LISTIANA SRI MULATSIH Lumentah, Natalia Reyne Maria Desika Bulu Masan Martalia Arya Nurfadila Masdiana Masdiana Mellien Pakerti Winengku Muchlis H Mas'ud Muchlis H. Mas'ud Muchlis Mas’ud Muhamad Stiadi Muhammad Asir Muhammad Luthfi Muliza Muliza Muzaffirah, Adzirah Nasharuddin Mas Nasharuddin Mas Nasharudin Nasharudin Ningsih , Titiek Surya NUR FADHILAH, ANIS Nur Laily Safitri Nurhasanah Nurhasanah Nurida Finahari Nurnaningsih Nurnaningsih, Nurnaningsih Oki Akbar Mahendra PA Andiena Nindya Putri Pamungkas, Eko Wiji Perwito, Perwito Priyo Nugroho, Anton Rahma Wahdiniwaty Ramon Arthur Ferry Tumiwa Rihfenti Ernayani Rita Zulbetti Riyanto, Ayu Putri Rizqi Aji Putri, Masykurotur Rufaida Sofiatus Wardani sabil sabil, sabil Sagita Nurul Izza Samalua Waoma Samiun, Aspiati A. Samosir, Hendrik ES Sesario, Revi Siddiqa, Heidi Sri Mulatsih, Listiana Sugeng Karyadi Suhartini Salingkat SUJAI, MUHAMMAD Sumini Sumini, Sumini SURVIVAL - - Suwandi Ng Syamsuri Tasrim, Tasrim Toni Dwi Putra Tri Yuniningsih Wahju Wulandari Wartono Wartono Yahya, Sitti Rachmawati Yatima El Isma, Yatima Yoga Pangestu, Dewo Nugroho Yohan Yohan Yulistina Yulistina Yundari, Yundari Yunus Sading Zakaria, Faiz Zuhroh, Siti