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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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The Impact of Fintech Peer-to-Peer Lending Investments on Public Financial Inclusion Alfiana, Alfiana; Mulatsih, Listiana Sri; Widyantini, Dian; Meutianingrum, Farah Juniati; Afrizal, Afrizal
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1638

Abstract

The purpose of this study is to determine the impact of peer-to-peer lending fintech investments on public financial inclusion. This research approach collected data through a literature review, which involved reading literature from various sources, including books, reports, articles, and journals, employing both qualitative and deductive methods. The findings of this study suggest that peer-to-peer lending fintech investments have a positive impact on financial inclusion, including increased economic activity, enhanced financial literacy, and expanded investment opportunities. However, this system still faces various challenges, including the risk of default, data security concerns, a lack of education, and immature regulations. To overcome these challenges and strengthen its positive impact, collaboration between the government and platform providers is necessary to enhance rules, financial education, and digital literacy, as well as develop sharia-compliant and socially responsible products, so that peer-to-peer lending can become an integral part of an inclusive and sustainable financial system.
EDUKASI MANAJEMEN KEUANGAN UNTUK UMKM: STRATEGI PENGELOLAAN KAS DAN LAPORAN KEUANGAN YANG EFEKTIF Purwanti, Ari; Pamungkas, Eko Wiji; Samiun, Aspiati A.; Alfiana, Alfiana; Ernayani, Rihfenti
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2025): Volume 6 No 3 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i3.45734

Abstract

Salah satu tantangan mendasar yang dihadapi oleh pelaku UMKM adalah rendahnya literasi keuangan, yang berdampak pada lemahnya kemampuan dalam mengelola kas dan menyusun laporan keuangan. Tujuan dilakukan pengabdian ini adalah untuk edukasi manajemen keuangan untuk UMKM: strategi pengelolaan kas dan laporan keuangan yang efektif. Kegiatan pengabdian kepada masyarakat dengan judul "Edukasi Manajemen Keuangan untuk UMKM: Strategi Pengelolaan Kas dan Laporan Keuangan yang Efektif" menggunakan pendekatan kajian pustaka (literature review) sebagai dasar penyusunan materi edukasi. Pendekatan ini dilakukan untuk mengidentifikasi, menelaah, dan menganalisis berbagai sumber ilmiah yang relevan guna membangun kerangka teoritis dan praktis yang mendasari strategi edukasi keuangan bagi UMKM. Kegiatan pengabdian kepada masyarakat ini berhasil meningkatkan pemahaman dan keterampilan pelaku UMKM dalam mengelola keuangan, khususnya dalam hal pengelolaan kas dan penyusunan laporan keuangan sederhana. Sebagian besar peserta awalnya belum memiliki kebiasaan mencatat transaksi keuangan secara sistematis dan mencampuradukkan keuangan usaha dengan keuangan pribadi.
TECHNOLOGY-BASED MARINE WORKERS BUSINESS SYSTEM: THE POTENTIAL OF THE SLEREK SYSTEM SPRINGS AS A MODEL Alfiana, Alfiana; Soebiyakto, Gatot; Finahari, Nurida
Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis Vol. 4 No. 1 (2022): RISET : Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis
Publisher : Kesatuan Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/riset.v4i1.140

Abstract

The problem of poverty in fishing communities has become a cultural cycle. The issue has become a long causal chain of various aspects that is difficult to unravel over the years. The number of fishers is decreasing while the potential of marine resources has not been fully explored. It happens because poverty alleviation for fishing communities is only around 1% per year. The poverty alleviation program is closely related to the empowerment of fishing communities in running their businesses. So far, the fishing community's business problems have focused on weather/climate, infrastructure, technology (very little touched/used), and capital. However, not all fishing communities are not prosperous. There are different levels of exploration of marine potential in other areas. The Muncar fishing community is included in the successful category with Indonesia's second-largest business scale. The Muncar fisherman's business system, although applying the general Juragan-Worker method, has a traditional fishing method called Slerek, a boat system in pairs, one for fishing, the other providing accommodation. The Slerek system promises optimal catch. The catch-sharing system is 50:50 for the skipper and his group of workers. The Muncar fishing community business system can be adopted into an empowering marine worker business system after several modifications and adjustments have been made regarding the remaining problems.
Elasticity of Growth in the Processing Industry Towards the Contribution of Labour Absorption in the Processing Industry in the City of Palu Alfiana, Alfiana; Nurnaningsih, Nurnaningsih; Sading, Yunus; Paembonan, Laendatu; Yohan, Yohan
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 4 No. 4 (2025): AUGUST
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v4i4.1915

Abstract

The manufacturing sector is a strategic pillar of regional economic development due to its significant role in generating added value and creating employment opportunities. However, in Palu City, the growth of this sector has not consistently translated into proportional increases in employment absorption. This study aims to analyze the elasticity of manufacturing sector growth with respect to its contribution to employment absorption in Palu City over the period 2019–2023. A descriptive quantitative approach was employed, utilizing secondary data obtained from the Central Bureau of Statistics (BPS) of Palu City and relevant agencies. The data set comprises the manufacturing sector’s Gross Regional Domestic Product (GRDP), the number of workers in the manufacturing sector, and the total workforce in Palu City. The analysis involved calculating both output and employment growth rates, followed by the computation of labor absorption elasticity using the elasticity ratio formula. The results reveal that the relationship between manufacturing output growth and employment absorption in Palu City is volatile and not always proportional, as indicated by the elasticity measurements of manufacturing GRDP growth relative to employment growth in the sector. Certain years recorded negative elasticity values, reflecting inverse relationships driven by internal sectoral dynamics such as efficiency gains, technological adoption, and external shocks including the COVID-19 pandemic. The study concludes that although the manufacturing sector makes a substantial contribution to economic growth, its impact on job creation remains suboptimal. As such, integrated policies are needed to align industrial growth with sustainable employment and improve regional welfare.
Pengaruh Karakteristik Pekerjaan Terhadap Budaya Organisasi Yang Dimediasi Oleh Komitmen Organisasional : Studi pada Hotel Grand Miami di Kepanjen Kabupaten Malang Mellien Pakerti Winengku; Survival, Survival; Alfiana, Alfiana
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 6: Oktober 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i6.12120

Abstract

The purpose of this study was to determine the effect of Job Characteristics and Organizational Culture on Employee Loyalty mediated by Organizational Commitment. The population in this study were all employees of Grand Miami Hotel, totaling 55 employees. The sampling technique in this study used the Saturated Sample (Total Sampling) method, so that the entire population was used as respondents. Data were processed using Smart Partial Least Square (SmartPLS 4) software. The results showed that Job Characteristics had no significant effect on Employee Loyalty, but when mediated by Organizational Commitment, Job Characteristics had a positive and significant effect, indicating that Organizational Commitment served as a full mediator. Organizational Culture had a positive and significant effect on Employee Loyalty, both directly and indirectly through Organizational Commitment, indicating that Organizational Commitment acted as a partial mediator. In addition, Organizational Commitment was found to have a positive and significant effect on Employee Loyalty. Overall, the findings highlight the crucial role of Organizational Commitment in strengthening the influence of Job Characteristics and Organizational Culture on Employee Loyalty at Grand Miami Hotel, Kepanjen, Malang Regency.
ILMU TITEN SEBAGAI MODEL PENDIDIKAN KARAKTER: FILOSOFI KESABARAN, KETEKUNAN, DAN KETEPATAN Anam, Choirul; Alfiana, Alfiana
Prosidia Widya Saintek Vol. 4 No. 2 (2025)
Publisher : Universitas Widyagama Malang

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

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk merevitalisasi ilmu titen sebagai model pendidikan karakter berbasis kearifan lokal dengan menekankan tiga nilai utama: kesabaran, ketekunan, dan ketepatan. Ilmu titen, sebagai warisan budaya masyarakat Jawa, mengajarkan manusia untuk membaca tanda-tanda alam melalui observasi yang sabar, pencatatan yang tekun, dan pengambilan keputusan yang tepat. Program ini dilaksanakan di Desa Tegalrejo, Kecamatan Kepanjen, Kabupaten Malang, melalui pendekatan partisipatif-kolaboratif yang melibatkan guru, tokoh masyarakat, dan pemuda desa sebagai mitra utama. Metode pelaksanaan terdiri dari empat tahap: identifikasi kebutuhan, pelatihan, pendampingan implementasi, serta evaluasi dan refleksi. Hasil kegiatan menunjukkan bahwa peserta memiliki pemahaman yang baik terhadap nilai-nilai ilmu titen, serta menunjukkan komitmen untuk mengintegrasikannya dalam kegiatan pendidikan karakter nonformal. Modul pembelajaran berbasis narasi lokal dan praktik budaya berhasil disusun dan diuji coba. Kegiatan ini membuktikan bahwa ilmu titen dapat menjadi pendekatan yang efektif dan relevan untuk menanamkan nilai karakter melalui pendidikan kontekstual berbasis budaya lokal.
Pengaruh Kebijakan Dividen Terhadap Nilai Perusahaan Dengan Kinerja Keuangan Sebagai Variabel Mediasi Riyanto, Ayu Putri; Mas, Nasharuddin; Alfiana, Alfiana
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.v4i3.3055

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kebijakan dividen terhadap nilai perusahaan dengan kinerja keuangan sebagai variabel mediasi pada perusahaan sektor pertambangan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2019–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan desain explanatory research, bertujuan menjelaskan hubungan kausal antarvariabel berdasarkan data empiris. Metode analisis yang digunakan meliputi analisis regresi linear berganda untuk menguji pengaruh langsung, serta uji mediasi untuk melihat peran kinerja keuangan sebagai variabel perantara antara kebijakan dividen dan nilai perusahaan. Sampel penelitian terdiri dari 12 perusahaan pertambangan yang dipilih dengan metode purposive sampling, berdasarkan kriteria: (1) perusahaan secara konsisten terdaftar di BEI selama periode 2019–2024, (2) secara rutin mempublikasikan laporan tahunan dan laporan keuangan lengkap, serta (3) membagikan dividen tunai minimal satu kali selama periode observasi. Data penelitian merupakan data panel selama enam tahun (2019–2024), yang diperoleh melalui laporan tahunan (annual report) dan laporan keuangan yang telah diaudit. Seluruh pengolahan dan analisis data dilakukan menggunakan perangkat lunak IBM SPSS Statistics 27 dengan serangkaian uji asumsi klasik, analisis regresi, serta uji Path Analysis untuk menguji efek mediasi. Hasil penelitian menunjukkan bahwa kebijakan dividen tidak berpengaruh signifikan terhadap nilai perusahaan. Selanjutnya, kebijakan dividen juga tidak berpengaruh signifikan terhadap kinerja keuangan. Selain itu, kinerja keuangan tidak berpengaruh signifikan terhadap nilai perusahaan, sehingga variabel ini tidak mampu memediasi hubungan antara kebijakan dividen dan nilai perusahaan.
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