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All Journal Economic Journal of Emerging Markets Jurnal Ekonomi & Studi Pembangunan Jurnal Manajerial Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Journal of Economics Research and Social Sciences Jurnal Ekonomi Efektif Jurnal Pengabdian Teratai Jurnal Pengabdian Mandiri Jurnal Peradaban Masyarakat (JPM) Jurnal Manajemen Bisnis dan Organisasi JURNAL ECONOMINA GIAT: Jurnal Teknologi untuk Masyarakat Journal of Advances in Accounting, Economics, and Management Jurnal Pengabdian Masyarakat Journal of Management and Innovation Entrepreneurship (JMIE) E-Amal: Jurnal Pengabdian Kepada Masyarakat IECON: International Economics and Business Conference Optimum: Jurnal Ekonomi dan Pembangunan
Latifah Dian Iriani, Latifah Dian
Fakultas Ekonomi, Universitas Muhammadiyah Sorong, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Technology-Based Factors of University Students' Intentions to Use Ai-Enabled Mobile Banking: The Moderating Role of Personal Innovativeness Nurul Hidayah; Latifah Dian Iriani
IECON: International Economics and Business Conference Vol. 2 No. 1 (2024): International Conference on Economics and Business (IECON-2)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/y4zmp505

Abstract

This study examines the technology based factors affecting university students' intents to embrace AI-enabled mobile banking in Sorong City, Southwest Papua, Indonesia. Employing a quantitative methodology, data were gathered from 159 students via surveys and analyzed using Structural Equation Modeling (SEM) with Partial Least Squares (PLS). The findings reveal that positive attitudes towards AI and perceived trust significantly effect the intention to use AI-enabled mobile banking. However, contrary to existing literature, relative advantage and security did not demonstrate significant relationships with intention to use Ai enabled- mobile banking. Personal innovativeness as moderating factor does not moderate the relationship between latent variables and the intention to use AI-enabled mobile banking. These findings suggest that students’ perceptions of AI technologies differ from those in other contexts, underscoring the importance of tailored strategies by financial institutions. Despite AI's growing importance in mobile banking, limited research addresses its adoption determinants and the moderating role of personal innovativeness in underdeveloped regions like Sorong City. The study also adds to the body of knowledge on technology adoption in developing regions, which can inform mobile banking and AI integration research and practice.
DISEMINASI HASIL PENELITIAN DAN SOSIALISASI METODE PEMBAYARAN QRIS BAGI PELAKU UMKM KABUPATEN SORONG Hidayah, Nurul; Latifah Dian Iriani; Muhammad Amin
JURNAL PENGABDIAN MANDIRI Vol. 4 No. 1: Januari 2025 (In Press)
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jpm.v4i1.9501

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi digital pelaku UMKM di Kabupaten Sorong melalui diseminasi hasil penelitian dan sosialisasi metode pembayaran digital QRIS. Dengan melibatkan 303 peserta dari tiga distrik (Salawati, Mayamuk, dan Mariat), program ini menggunakan pendekatan partisipatif yang mencakup presentasi interaktif, diskusi kelompok, dan pelatihan langsung. Hasil menunjukkan adanya peningkatan pemahaman peserta terhadap manfaat QRIS, di mana mayoritas peserta memahami konsep QRIS, dan berencana mengadopsinya dalam bisnis mereka. Dampak kegiatan ini sejalan dengan penelitian terdahulu yang menyoroti pentingnya digitalisasi dalam meningkatkan efisiensi operasional UMKM dan memperluas akses pasar, terutama di daerah tertinggal. Pemberdayaan perempuan sebagai pelaku utama UMKM dalam program ini juga memberikan kontribusi signifikan terhadap pembangunan ekonomi lokal. Kesimpulannya, integrasi literasi digital dan pemberdayaan berbasis komunitas menjadi langkah strategis dalam mendukung transformasi digital UMKM untuk keberlanjutan ekonomi.
FAKTOR-FAKTOR YANG MEMPENGARUHI KONSUMEN MUSLIM TERHADAP KEPUTUSAN PEMBELIAN Syah, Muhammad Fikrian; Wijiastuti, Retno Dewi; Iriani, Latifah Dian; Waly, Nur Aeni
Journal of Management and Innovation Entrepreneurship (JMIE) Vol. 1 No. 2 (2024): Januari
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jmie.v1i2.469

Abstract

Penelitian ini bertujuan mengetahui apakah faktor – faktor berpengaruh terhadap keputusan pembelian produk halal pada konsmuem muslim yang membeli produk J.CO Ramayana Mall di Kota Sorong. Variabel independen pada penelitian ini adalah prdouk (X1), Harga (X2), Lokasi (X3), Promosi (X4), dan Religiusitas (X5) dan variabel dependen pada penelitian ini adalah Keputusan Pembelian (Y). penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah Non-probability dengan teknik Purposive Sampling. Responden dalam penelitian ini merupakan konsumen muslim sebanyak 110 orang yang dipilih dengan menggunakan Teknik Purposive sampling. Hasil analisis yang dilakukan menunjukan bahwa variabel produk, harga, lokasi, promosi, dan religiustas positif dan signifikan terhadap variabel dependen keputusan pembelian produk halal.
Understanding Payment Switching Behavior to QRIS in Southwest Papua: A Push-Pull-Mooring Study Hidayah, Nurul; Iriani, Latifah Dian
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

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

Abstract

As the global economy changes, it's important to examine why people in Southwest Papua switch from cash to the Quick Response Code Indonesian Standard (QRIS) system. This region is notoriously behind in infrastructure and human development, so studying this area is crucial to expanding the national economy. This study investigates the variables that influence the switching behavior of users in Southwest Papua toward the Quick Response Code Indonesian Standard (QRIS) digital payment. The study investigates the impact of push factors (e.g., perceived trouble, perceived no record for transaction, and difficult to pay cash in large amounts), pull factors (e.g., perceived convenience, promotional benefits, and time saving), and mooring factors (e.g., habit and switching costs) on the transition from cash to digital payments, utilizing the Push-Pull-Mooring (PPM) framework and transaction cost theory. The research utilizes structural equation modeling to analyze QRIS user's patterns in three regions of Southwest Papua Province: Sorong City, Sorong Regency, and Raja Ampat, by using a stratified random sampling method. The results indicate that the adoption of QRIS is significantly influenced by both push and pull factors, with pull factors playing more prominent role. Switching behavior is also significantly influenced by habit while switching costs exhibit a negative influance but statistically insignificant effect. In an effort to expedite the adoption of digital payments in Southwest Papua, these insights provide policymakers and financial institutions with practical advice. They indicate that strategies that emphasize the convenience and advantages of QRIS over cash are more effective in increasing user adoption.
Finance literacy, digital literacy and Micro, Small, Medium Enterprise (MSME) performance Iriani, Latifah Dian; Hidayah, Nurul; Andjar, Febry Jein
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i1.11962

Abstract

The low level of female participation in the labor market affects the income gap between men and women. However, the informal sector tends to be of interest to women, especially in the Micro, Small, and Medium Enterprises sector (MSMEs). MSMEs have a very vital role in Indonesia's economic growth. However, the development of MSMEs for women entrepreneurs has obstacles such as low access to business capital and marketing of MSME products. This is influenced by the low level of financial literacy and digital literacy for women in the MSME sector. This paper aims to ascertain the relationship among financial literacy and the performance of women MSMEs specifically with the variable of digital literacy as a moderator. This paper uses primary data through the distribution of questionnaires to women entrepreneurs (MSMEs) in Sorong Regency. The data analysis technique uses Structural Equation Model (SEM) and Partial Least Square (PLS). The results show that financial literacy has positive and significantly affect MSME performance. While, digital literacy has a positive effect on MSMEs performance. In addition, digital literacy has a positive effect in moderating the relationship between financial literacy and MSMEs performance for female entrepreneurs. However, financial literacy is not significantly effect on the performance of MSMEs for women.
Pelatihan Produksi dan Strategi Pemasaran Kripik Ubi Jalar Di Kelurahan Pal Putih Kota Sorong -, Susetyowati Sofia; Evi Mufrihah Zain; Digor Mufti; Latifah Dian Iriani; Ahmad Jamil; Muhammad Amin; Agilistya Rahayu
Jurnal Pengabdian Masyarakat Vol. 1 No. 2 (2022): Oktober : Jurnal Pengabdian Masyarakat
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/abdimas45.v1i2.268

Abstract

Sweet potato is one of the raw materials that is easy to get in West Papua, especially in the Pal Putih village which is located close to the market. The purpose of this training is that mothers or mothers in the Pal Putih village can have skills in processing Sweet Potatoes into Sweet Potato Chips that have good quality. This training not only increases knowledge of mothers in product manufacturing but is also able to implement marketing strategies by paying attention to product quality, packaging, packaging appearance aesthetics, branding and labeling; Housewives who take part in the training are encouraged or motivated to make sweet potato chips business so that they can increase their income. The implementation of activities is carried out with the following steps: Observation; Completion of service licensing and socialization; Training; Material reinforcement; and Discussion. The implementation of Community Service Activities is described as follows: Production training, marketing strategy, entrepreneurship motivation; Training on the initial preparation before producing, the production process, the packaging process, the labeling process.
Analysis of factors affecting poverty in the special region of yogyakarta Darsono, Susilo Nur Aji Cokro; Iriani, Latifah Dian; Putra, Dedek; Hajar, Ibnu
Journal of Advances in Accounting, Economics, and Management Vol. 1 No. 3 (2024): March
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/aaem.v1i3.193

Abstract

One of the provinces in Indonesia that has a fairly high poverty problem is Yogyakarta Special District Province. This is because the poverty rate of cities/districts in the Yogyakarta Special Dis-trict is higher than the provincial and national poverty rates. The study examines the influence of electricity consumption, investment, economic growth, and the District/City Minimum Wage on poverty levels in Yogyakarta Special District. The data used is panel data with cross-section data covering 5 districts/cities in Yogyakarta Province and data time series with the course of the year 2014 – 2020. The method of analysis used is a panel data regression, but the model used in this study is the Fixed Effect Model. The results show that the variables of electricity consumption and investment variables have no influence, while the economic growth variables and the minimum wage variable of the district/city have a negative and significant influence on the poverty level in the Yogyakarta Region.
Peningkatan Literasi Keuangan Digital Pelaku UMKM Melalui Sosialisasi Sistem Pembayaran Non-Tunai di Kabupaten Sorong Dian Iriani, Latifah; Hidayah, Nurul; Jein Andjar, Febry; Mufrihah Zein, Evi; Ridwan, Akmal
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 2 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v5i2.3359

Abstract

Perkembangan teknologi telah mendorong berbagai inovasi diberbagai sektor termasuk sektor keuangan. Sistem pembayaran juga mengalami perkembangan dari pembayaran tunai menjadi pembayaran non-tunai. Namun, manfaat dari sistem pembayaran non-tunai belum banyak digunakan oleh pelaku usaha UMKM perempuan khususnya yang berada di Kabupaten Sorong. Hal ini disebabkan oleh kurang informasi terkait manfaat dari sistem pembayaran non-tunai bagi pelaku usaha UMKM perempuan sekaligus juga sebagai ibu rumah tangga sehingga berpengaruh pada rendahnya literasi keuangan digital. Selain itu, lingkungan mereka masih di dominasi oleh sistem pembayaran tunai sehingga muncul rasa kekhawatiran dalam menggunakan sistem tersebut. Manfaat sistem pembayaran non-tunai tidak hanya bagi konsumen tetapi juga produsesn. Oleh karena itu, kegiatan pengabdian kepada masyarakat bertujuan untuk memberikan sosialisasi terkait sistem pembayaran non-tunai dengan memanfaatkan layanan keuangan digital khususnya bagi pelaku usaha UMKM perempuan. Terlebih, sistem tersebut dapat meningkatkan usaha bagi pelaku UMKM dengan menjangkau konsumen yang lebih luas. Diperlukan pendampingan oleh pemerintah bagi pelaku usaha UMKM demi meningkatkan literasi keuangan digital sehingga berpengaruh pada kenaikan kinerja usaha mereka.
Understanding payment switching behavior to QRIS in Southwest Papua: A push-pull-mooring study Hidayah, Nurul; Iriani, Latifah Dian
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v26i1.24253

Abstract

As the global economy changes, it's important to examine why people in Southwest Papua switch from cash to the Quick Response Code Indonesian Standard (QRIS) system. This region is notoriously behind in infrastructure and human development, so studying this area is crucial to expanding the national economy. This study investigates the variables that influence the switching behavior of users in Southwest Papua toward the Quick Response Code Indonesian Standard (QRIS) digital payment. The study investigates the impact of push factors (e.g., perceived trouble, perceived no record for transactions, and difficulty paying cash in large amounts), pull factors (e.g., perceived convenience, promotional benefits, and time savings), and mooring factors (e.g., habit and switching costs) on the transition from cash to digital payments, utilizing the Push-Pull-Mooring (PPM) framework and transaction cost theory. The research uses a method called structural equation modeling to study how QRIS users behave in three areas of Southwest Papua Province: Sorong City, Sorong Regency, and Raja Ampat, by selecting participants randomly from different groups. The results indicate that the adoption of QRIS is significantly influenced by both push and pull factors, with pull factors playing a more prominent role. Habit also significantly influences switching behavior, while switching costs show a negative but statistically insignificant effect. To expedite the adoption of digital payments in Southwest Papua, these insights provide policymakers and financial institutions with practical advice. They indicate that strategies that emphasize the convenience and advantages of QRIS over cash are more effective in increasing user adoption.
Sustainable Role of Baitul Mal wat Tamwil in Expanding Islamic Microfinance Inclusion for Marginalized Communities Nurul Hidayah; Noraziah Che Arshad; Latifah Dian Iriani; Rais Dera Pua Rawi
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 13 No. 1 (2026)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v13i1.14645

Abstract

This study explores the role of Baitul Mal Wat Tamwil (BMT) in enhancing access to Islamic microfinance for marginalized communities in Sorong, Southwest Papua Province. Using a qualitative case study approach, data was collected through in-depth interviews with managers and clients of three BMTs in Sorong and supplemented with user observations. The findings show that BMTs provide inclusive, Sharia-compliant financing to microenterprises, informal workers, and women-led businesses through flexible contracts such as murabahah, ijarah, qardhul hasan, and hiwalah. They adopt proactive service models and leverage community engagement to strengthen trust and outreach. One notable innovation is the establishment of local Puskopsyah (syariah cooperative-based risk-sharing center), inspired by the Islamic value of ta’awun, offering internal protection against defaults. Despite challenges such as low digital literacy and poor infrastructure, BMTs remain sustainable by relying on member-based capital, contextual product design, and strong social networks. This study contributes to the theoretical discourse on social intermediation in Islamic finance and offers practical insights for replicating community-based Islamic microfinance in other underdeveloped regions. The novelty lies in documenting a grassroots takaful initiative and human-centered financing approach that supports BMT resilience in 3T (frontier, outermost, and underdeveloped) areas. These findings align with the strategic goals of the Regional Committee for Sharia Economy and Finance (KDEKS) to foster an inclusive Islamic financial ecosystem in Papua.
Co-Authors -, Susetyowati Sofia Agilistya Rahayu Ahmad Jamil Ahmad Jamil Ahmad Jamil - Akmal Ridwan Ana Varadila Yusuf Andjar, Febry Jein Bekti Wiji Lestari Darsono, Susilo Nur Aji Cokro Digor Mufti Digor Mufti Egi Pranajaya Evi Mufrihah Zain Evi Mufrihah Zain Faisal Eka Mahendra Febri Jein Andjar Ibnu Hajar Idha Wahyu Riana Imamudin Yuliadi Jein Andjar, Febry Maisaroh Samaee Mufrihah Zein, Evi Muhammad Amin Muhammad Amin Noraziah Che Arshad Nur Aeni Waly NURUL HIDAYAH Nurul Hidayah Putra, Dedek Rais Dera Pua Rawi Rawi, Rais Dera Pua Rizki Mutma Inna Sofia, Susetyowati Sugianto, Sintiya Sunaini Rofi'ah Susilo Nur Aji Cokro Darsono Syah, Muhammad Fikrian Wijiastuti, Retno Dewi Wisang Candra Bintari