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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN ETIKONOMI Nurani: Jurnal Kajian Syariah dan Masyarakat I-Finance Journal Jurnal Intelektualita: Keislaman, Sosial, dan Sains An Nisa'a I-ECONOMICS: A Research Journal on Islamic Economics EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Medina-Te : Jurnal Studi Islam IJBE (Integrated Journal of Business and Economics) Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Ilmu Manajemen dan Akuntansi Terapan JURNAL LENTERA BISNIS El-Barka: Journal of Islamic Economics and Business Iqtishodia: Jurnal Ekonomi Syariah SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Jurnal Akuntansi Tangible Journal Jurnal Ekonomi JURNAL ILMIAH GLOBAL EDUCATION Jurnal Ekonomi Rabbani Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Journal of Regional Economics Indonesia Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal Of Human And Education (JAHE) Jurnal Teknologi dan Manajemen Industri Terapan Journal of Business Studies and Management Review Jurnal Comparative : Ekonomi Dan Bisnis Jurnal Pengabdian West Science TOFEDU: The Future of Education Journal JEBD Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Equivalent : Journal of Economic, Accounting and Management Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Escalate : Economics and Business Journal Jurnal Aksi Dosen dan Mahasiswa Taraadin : Jurnal Ekonomi dan Bisnis Islam Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Referensi Islamika: Jurnal Studi Islam Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Rika Lidyah
Universitas Islam Negeri Raden Fatah Palembang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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E-Commerce Business Analysis: Challenges and Strategies to Improve Business Performance Muhammad Irhan Arya Fathasyah; Rika Lidyah
Escalate : Economics and Business Journal Vol. 1 No. 03 (2024): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v1i03.380

Abstract

The development of information technology is driving the growth of e-commerce as a vital part of the digital economy, offering opportunities for market expansion and increased business efficiency. However, e-commerce businesses also face various challenges that impact their performance and sustainability. This study aims to analyze the main challenges of e-commerce and strategies that can be implemented to improve business performance. The study uses a conceptual approach with qualitative methods through a literature review of national and international scientific literature. The results of the study indicate that the main challenges of e-commerce include high market competition, changes in consumer behavior, limited human resources, and technological and data security issues. Therefore, adaptive strategies such as digital marketing, improving service quality, product innovation, and optimal utilization of information technology are needed.
The Impact of Peer-to-Peer Lending on Conventional Commercial Bank Credit in South Sumatra (2024–2025) Elen Karlina; Rika Lidyah
Escalate : Economics and Business Journal Vol. 1 No. 03 (2024): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v1i03.381

Abstract

This study aims to analyze the influence of Peer-to-Peer (P2P) lending on conventional commercial bank credit distribution in South Sumatra Province during the 2024–2025 period. The research problem focuses on the shift in public financing preferences from conventional banking to the rapidly growing P2P lending fintech platform. The research method used is a quantitative approach utilizing secondary data sourced from the Financial Services Authority (OJK) report. Data analysis was conducted using panel data regression with a Fixed Effect model. The dependent variable in this study is conventional commercial bank credit, while the independent variable is outstanding P2P lending, with control variables in the form of third-party funds and the number of bank offices. The results show that P2P lending has a significant effect on conventional commercial bank credit, especially in the MSME credit segment. This finding indicates a tendency for a substitution effect in certain segments, although conventional banking still dominates overall credit distribution. This study concludes that the growth of P2P lending requires conventional banks to adapt through digital innovation and collaboration to maintain the competitiveness and stability of the regional financial system.
The Determination of Education, Work Achievement, and Work Experience on Career Development Hafisya Agnesia; Rika Lidyah
Escalate : Economics and Business Journal Vol. 2 No. 02: Innovating People and Planet: Redefining Work, Behavior, and Sustainability in the Di
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v2i02.386

Abstract

Employee career development is an important aspect in improving organizational performance and sustainability, especially in public transportation companies such as PT Kereta Api Indonesia (Persero). This study aims to analyze the influence of education, work performance, and work experience on the career development of employees at PT Kereta Api Indonesia (Persero) Lubuk Linggau Station. The research method used is a quantitative approach with a field research design. Data were collected through a closed questionnaire using a five-point Likert scale distributed to 50 employees as respondents, with instruments that had been tested for validity and reliability. Data analysis was performed using multiple linear regression, classical assumption tests, t-tests, and F-tests. The results showed that education, work performance, and work experience had a positive and significant effect on employee career development, both partially and simultaneously, with work performance being the most dominant variable. In conclusion, improving the quality of education, optimal performance, and adequate work experience plays an important role in supporting employee career development, which can serve as a basis for organizations in formulating more effective and sustainable career development policies.
Perilaku Generasi Muda Dalam Menggunakan Produk Keuangan Syariah di Kota Palembang Muhammad Ghazi Dhiaulhaq; Rika Lidyah
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 1 (2026): January
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i1.3626

Abstract

Studi ini bertujuan untuk menganalisis perilaku kaum muda dalam menggunakan produk keuangan Islam di Kota Palembang. Dengan menggunakan pendekatan kualitatif deskriptif, data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi yang melibatkan informan berusia 17–30 tahun yang memiliki pengalaman dengan produk keuangan Islam. Temuan menunjukkan bahwa penggunaan produk keuangan Islam dipengaruhi oleh kombinasi pengetahuan dasar, persepsi keagamaan, norma sosial, kebutuhan praktis, pengalaman digital, dan kualitas layanan. Meskipun tingkat kesadaran mengenai keuangan Islam relatif tinggi, pemahaman mendalam tentang prinsip-prinsip dasarnya masih terbatas. Studi ini menyimpulkan bahwa perilaku kaum muda bersifat dinamis dan pragmatis, menunjukkan bahwa penguatan literasi keuangan, peningkatan kualitas layanan digital, dan implementasi strategi pendidikan yang relevan sangat penting untuk meningkatkan penetrasi produk keuangan Islam di kalangan generasi muda.
Assisting MSMEs in Using GPT Chat to Optimize Simple Tax Calculations and Cash Flow Management : Pengabdian Rika Lidyah; Denara Akmal; Rahmawati Yuliani; Luluk Sarifah; Akbar Tanjung
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 Tahun 2026
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.6130

Abstract

Percepatan digitalisasi mendorong UMKM mengadopsi teknologi cerdas untuk meningkatkan efisiensi, khususnya dalam manajemen arus kas dan kepatuhan pajak sederhana. Kegiatan PkM ini membantu UMKM di Sumatera Selatan, Jawa Barat, Kalimantan Barat, dan Makassar memanfaatkan ChatGPT sebagai asisten virtual untuk optimalisasi perhitungan pajak sesuai regulasi Indonesia dan pengelolaan arus kas yang lebih sistematis. Metode yang digunakan berupa bimbingan teknis hibrida melalui pelatihan dan lokakarya teknik prompt guna menghasilkan laporan keuangan mikro yang akurat. Hasilnya menunjukkan peningkatan literasi keuangan dan digital sebesar 75%, serta kemampuan UMKM dalam mengidentifikasi komponen pajak lebih cepat dan menyusun proyeksi arus kas bulanan secara mandiri. Kesimpulannya, penerapan AI yang tepat mampu mengurangi hambatan administratif, meningkatkan transparansi keuangan, dan mendorong pertumbuhan ekonomi regional berkelanjutan.
ISLAMIC PHILANTHROPY AND COMMUNITY SOLIDARITY AMONG CHINESE MUSLIMS IN SOUTH SUMATRA Dian Pertiwi; Maya Panorama; Rika Lidyah
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 1 (2026): FEBRUARY
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i1.810

Abstract

This study aims to determine how Islamic philanthropy strengthens social solidarity within the Chinese Muslim community in South Sumatra through zakat, infaq, sedekah, waqf and social donations, as well as charitable programs, religious study groups (Majelis Taklim), guidance for converts to Islam, and religious activities during Ramadan. This study used a qualitative case study approach that included observation, in-depth interviews, and documentation of philanthropic activities. Four informants participated: two representatives from PITI and two community members. Additionally, activity records, news stories, and publication pertinent to PITI South Sumatra’s charitable endeavors were used to gather research data. Field data collection lasted three months. Thematically, the data were analyzed through transcription, coding, theme categorization, and interpretation to examine the relationship between philanthropic activities and strengthening social solidarity. Islamic philanthropy increases member participation, builds trust, norms of reciprocity, and community cohesion. Transparent fund distribution and socio-religious programs strengthen internal solidarity, while collaboration with donors and external institutions expands social networks and enhances community legitimacy. These results demonstrate the importance of governance and collaboration in philanthropy to build solidarity. The study is limited to one community and is qualitative in nature, so the results cannot be generalized, and the economic impact was not analyzed. This research provides empirical evidence regarding the role of Islamic philanthropy in building solidarity among minority communities and serves as a reference for more effective management of socio-religious for quantitative and comparative research in other communities.
Co-Authors Abdul Rosid Adawiyah, Romadona ADE RISNA SARI Agustina, ria Akbar Tanjung Amanda, Dina Amri Amir Anggini, Viggy Ariyanti Ariyanti Arlin Fitria Asramid Yasin Asrol, Safitri Basri Basri Cepaldo Cepaldo Chandra Zaki Maulana Chandra Zaki Maulana Cholidi Cholidi Dede Rustaman Dedi - Dedi saputra Dedi Saputra DEKY, DEKY ANWAR Denara Akmal desi kristanti, desi Dian Pertiwi didi, ashari Dinnul Alfian Akbar Dwi Kurniawati Dwithia Chan Yo Putri Eka Lestari Hafqi Putri Elen Karlina Eljawati Endang Endi Rustendi Erika Seftiana Fadilah, Hasni Fahrizal, Effan Feryansyah Gibtiah Gibtiah Gustia, Refa Hafisya Agnesia Hardiansyah Harianto Heppi Syofya, Heppi Herawati Herawati Heri Junaidi Herlinia, Sella Kusiyah Laila, Ahrina Lemiyana Liestyowati Lita Ayudha Ningsih Loso Judijanto Luluk Sarifah Mail Hilian Batin Maulana, Chandra Zaki Maya Indriani Yacob Impak Maya Panorama Misbahussururi, Adila Mismiwati MISMIWATI, MISMIWATI MISMIWATI Mubarak, Muhammad Husni Muhamad Risal Tawil Muhammad Arief Muhammad Daffa Dhiya’ulhaq Muhammad Ghazi Dhiaulhaq Muhammad Iqbal Muhammad Irhan Arya Fathasyah Muhammad Junestrada Diem Muhammad Rusdi Muhammadinah Muhammadinah, Muhammadinah Musafa’atin Musafa’atin Musran Munizu Nelly Patria Nidya Lestari Nur Faliza Nuraini Nurhijrah, Nurhijrah Oki Sania Riski Parlindungan Dongoran Peny Cahaya Azwari Purnomo Purnomo Purnomo Purnomo Rachmania Rachmania Rahmawati Yuliani Rani Safitri Repita Riani Rezki Mardiatillah Rihlaili NurArdillah Al Ogny Rima Putri Pratama, Chici Rini Ariyanti Rinol Sumantri Riska Alvarido Ritha Yolanda Safitri, Nurfala Salwa Dzahabiyyah Sherly Anggraini Siti Aisyah Slamet Slamet Slamet Slamet Soufran Yusuf Sri Merzarani SRI RAHAYU Sri Wahyuni Nur Supriana Suriyati, Andi Syadzwina Ramadhana Fitriza Syahmardi Yacob syahmardi yacob Tariza Putri Ramayanti Tita Safitriawati TITIN HARTINI Titin Hartini Tri Agustina Vitayanti Fattah Wati Rosmawati Wirman, Wirman Yeni Indraningtyas Yudi Agusman