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All Journal JURNAL PENDIDIKAN TAMBUSAI Community Development Journal: Jurnal Pengabdian Masyarakat Nusantara Hasana Journal Telaah Bisnis International Journal of Management Science and Information Technology (IJMSIT) AMMA : Jurnal Pengabdian Masyarakat Journal of Innovative and Creativity Jurnal SUTASOMA Dinamika Sosial: Jurnal Pengabdian Masyarakat Dan Transformasi Kesejahteraan JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan)
I Putu Dharmawan Suryagita Susila Putra
Universitas Tabanan
Agriculture, Biological Sciences & Forestry Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Nursing Public Health Social Sciences Other

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Empowering MSMEs in Bali through Financial Technology and Digital Payment Innovation to Enhance Global Competitiveness Permana, Dewa Gde Yoga; Wirayudha, I Gede Bayu; Putra, I Putu Dharmawan Suryagita Susila
Telaah Bisnis Vol. 26 No. 1 (2025): July 2025
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v26i1.585

Abstract

This study aims to analyze the impact of Financial Technology (FinTech) and Digital Payment Innovation on the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Bali. This research employs a quantitative approach with Ordinary Least Squares (OLS) regression analysis to examine the relationship between FinTech usage, digital payment innovation, and MSME competitiveness. Data were collected from 100 MSME owners across various sectors in Bali, using structured questionnaires and direct interviews. Classical assumption tests, including normality, multicollinearity, heteroscedasticity, and autocorrelation, were performed to ensure the robustness of the regression model. The research results show that FinTech usage and digital payment innovation significantly and positively affect MSME competitiveness, with an R-squared value of 0.605, indicating that the two independent variables can explain 60.5% of the competitiveness variance. This implies that adopting financial technology facilitates access to financial services and enhances transaction efficiency, leading to better market reach and competitive advantage for MSMEs. However, the study is limited to MSMEs in Bali, which may restrict the generalizability of the findings to other regions. Additionally, the analysis did not include external factors such as government regulations and infrastructure limitations. Future research should expand the geographical scope and incorporate these external variables to obtain a more comprehensive understanding of FinTech's impact on MSMEs. The study suggests that stakeholders, including government and financial institutions, should encourage the adoption of digital financial services to enhance MSME competitiveness in an increasingly digital economy.
Kesiapan Karier Generasi Z Menghadapi Tantangan Artificial Intelligence I Putu Dharmawan Suryagita Susila Putra
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.3094

Abstract

Penelitian ini bertujuan untuk memahami bagaimana Generasi Z yang belum bekerja memaknai transformasi dunia kerja akibat kecerdasan buatan (Artificial Intelligence/AI), serta implikasinya bagi strategi Manajemen Sumber Daya Manusia (MSDM) dalam menyiapkan tenaga kerja masa depan. Materials and methods. Penelitian ini dilakukan dengan menggunakan pendekatan kualitatif. Data dikumpulkan melalui wawancara mendalam dengan mahasiswa Generasi Z berusia 18 - 28 tahun. Pedoman dalam melakukan wawancara disusun berdasarkan Career Construction Theory (Savickas, 2005), yang fokus pada empat dimensi utama adaptabilitas karier yang diantaranya concern, control, curiosity, dan confidence. Results. Hasil dari penelitian ini menunjukkan bahwa Generasi Z memiliki kesadaran yang tinggi (concern) terhadap dampak AI yang dapat mengurangi jenis pekerjaan tertentu sekaligus membuka peluang baru. Mereka merasa memiliki kendali (control) atas arah karier, meskipun sebagian responden masih dalam tahap eksplorasi. Rasa ingin tahu (curiosity) mengenai keterampilan digital cukup kuat, namun banyak yang masih bergantung pada informasi dari media sosial. Tingkat kepercayaan diri (confidence) relatif tinggi, ditunjukkan melalui upaya pengembangan diri dan kesiapan beradaptasi dengan teknologi. Selain faktor internal, responden menekankan pentingnya dukungan eksternal dari pemerintah, perusahaan, dan institusi pendidikan. Conclusions. Generasi Z menunjukkan adanya potensi adaptabilitas yang kuat dalam menghadapi dunia kerja berbasis AI, Gen Z membutuhkan dukungan sistemik agar potensi tersebut optimal. Untuk organisasi diperlukan strategi pengembangan talenta yang lebih adaptif, berupa kurikulum berbasis keterampilan digital, program pelatihan yang berkesinambungan, dan lingkungan kerja yang kolaboratif dengan teknologi AI. hasil penelitian ini memberikan gagasan bagi manajemen sumber daya manusia dalam merancang kebijakan dan praktik yang sesuai terhadap kebutuhan generasi muda di era digital.
Optimizing Natural Resource Products through Sustainable Branding, Human Capital Strengthening, and Financial Resilience in the Age of Millennial and Gen Z Consumers Ni Luh Laksmi Rahmantari; Agus Putra Mardika; I Gusti Ayu Lia Yasmita; I Putu Dharmawan Suryagita Susila Putra; Ni Komang Mela Tri Utari
International Journal of Management Science and Information Technology Vol. 5 No. 2 (2025): July - December 2025
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v5i2.5961

Abstract

This paper explores sustainable branding, human resource capability, and financial sustainability on anesthetic competitiveness of nursery product in Millennial and Gen Z era consumers. Despite young consumers’ strong environmental concern, an attitude–behavior gap is observed between their attitudes and actual purchasing behavior. From interviews with 20 informants including young consumers, producers and fintech developers we conclude that sustainability matters, but only if authenticity and transparency are there to back it up. The challenges for producers are often reduced digital skills, weak financial literacy, and difficult access to capital. These constraints inhibit their ability to market sustainably, generate innovations, and manage financial risks. The research recommends that natural resource enterprises should include sustainable brand credence, robust human resources capability, and better financial resilience in order to thrive and grow in the era of digitalization and environmental awareness in Indonesia.
Co-Authors Agus Putra Mardika Agus Putra Mardika Danendra, Anak Agung Ngurah Bagus Dewi, Ida Ayu Indra Kencana I Gede Bayu Wirayudha I Gede Bayu Wirayudha I GUSTI AYU LIA YASMITA I Gusti Ayu Lia Yasmita I Wayan Suana Intan Ayu Aisyiah MADE PUTRI ARIASIH MARDIKA, Agus Putra Ngurah Made Novianha Pynatih Ni Kadek Dwi Maharani Ni Komang Mela Tri Utari Ni Luh Laksmi Rahmantari Ni Luh Laksmi Rahmantari Ni Made Taman Ayuk Ni Rai Artini Permana, Dewa Gde Yoga