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All Journal JPM17: Jurnal Pengabdian Masyarakat SINERGI: Jurnal Ilmiah Ilmu Manajemen JEM17: Jurnal Ekonomi Manajemen Jurnal Ilmiah Abdi Mas TPB Unram Jurnal Ekonomi Jurnal Publikasi Ilmu Manajemen ARMADA : Jurnal Penelitian Multidisiplin Innovative: Journal Of Social Science Research IRA Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Ekonomi dan Manajemen Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Media Akademik (JMA) Jurnal Riset Ilmiah JURNAL RUMPUN MANAJEMEN DAN EKONOMI AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Jurnal Pengabdian Masyarakat Jurnal Penelitian dan Pengkajian Ilmiah Jurnal Bisnis Kreatif dan Inovatif JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Jurnal Pelayanan Masyarakat Jurilma ⁠International Journal of Sustainable Social Culture, Science Technology, Management, and Law Humanities PESHUM Sasambo: Jurnal Abdimas (Journal of Community Service) Jurnal Ilmu Manajemen dan Akuntansi Nusantara (JIMAKUN) Jurnal Riset Sosial Humaniora dan Pendidikan Sciences du Nord Community Service Journal of Community Dedication Prosperia: Journal of Economic Development, Accounting, and Global Markets
Kartini, Ida Ayu Nuh
Universitas 17 Agustus 1945 Surabaya
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PELATIHAN MANAJEMEN INVESTASI EMAS DIGITAL BAGI PEKERJA MELALUI APLIKASI BYOND BY BSI Rahmawati, Herlini Sanika; Darmawan, Indra Manggala Dwi; Romlah, Siti; Soebandono, Mochamad Raka Putra; Kartini, Ida Ayu Nuh
BESIRU : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 (2025): BESIRU : Jurnal Pengabdian Masyarakat, Desember 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v2i12.2060

Abstract

The rapid development of digital technology has transformed financial services and expanded access to modern investment instruments, including digital gold. This community service program aimed to enhance factory workers understanding of sharia compliant digital gold investment using the BYOND by BSI application. Conducted online via Zoom with 50 participants, the training consisted of pre-test, material delivery, feature demonstration, simulation practice, discussion, and post-test. The program introduced investment fundamentals, sharia principles, and technical application use. Results indicated a significant improvement in participants knowledge, supported by moderate N-Gain values and a statistically significant paired t-test. This activity highlights the effectiveness of digital financial literacy training in strengthening workers investment readiness and promoting inclusive sharia-based financial practices.
IMPLEMENTASI PENGGUNAAN QRIS PADA SEKTOR UMKM DI KOTA SURABAYA Alamsyah, Muhammad Aktoriel; Akbar, Jalaluddin Mohammad; Fajrin Naja, M. Afrirul; Kartini, Ida Ayu Nuh
BESIRU : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 (2025): BESIRU : Jurnal Pengabdian Masyarakat, Desember 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v2i12.2092

Abstract

Digital payment transformation has become an essential strategy to enhance the competitiveness of Micro, Small, and Medium Enterprises (MSMEs). One of Indonesia’s key digital payment innovations is the Quick Response Code Indonesian Standard (QRIS), designed to standardize and simplify cashless transactions. This study aims to examine the implementation of QRIS among MSMEs in Surabaya City using a literature review method. Data were collected from scientific journal articles, Bank Indonesia reports, and relevant previous studies. The findings indicate that QRIS adoption among MSMEs in Surabaya has steadily increased, particularly in the culinary and retail sectors. The implementation of QRIS positively affects transaction efficiency, financial record management, and business professionalism. However, challenges remain, including limited digital literacy, security concerns, and resistance to shifting from cash-based transactions. Therefore, continuous policy support, education, and assistance are necessary to optimize QRIS utilization among MSMEs in a sustainable manner.
ANALISIS MANAJEMEN RISIKO KREDIT PADA PT BANK NEGARA INDONESIA (PERSERO) TBK Kartini, Ida Ayu Nuh; Djonien, Azarya B.; Aziz, M. Saiful; Ilham, M. Shafrial; Prasetya, Mahfud Eko
BESIRU : Jurnal Pengabdian Masyarakat Vol. 2 No. 12 (2025): BESIRU : Jurnal Pengabdian Masyarakat, Desember 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/besiru.v2i12.2115

Abstract

This community service initiative seeks to improve the general public's understanding of credit risk management within the banking industry, an essential factor for ensuring financial stability and promoting sustainable economic growth. The program was designed to deepen participants' knowledge of credit risk management techniques, specifically examining PT Bank Negara Indonesia (Persero) Tbk. It covered aspects such as credit distribution and the significance of the Loan to Deposit Ratio (LDR). Employing descriptive and educational approaches, the activity utilized literature reviews, presentations, and discussions based on official banking reports and regulatory standards. Findings revealed that participants demonstrated enhanced awareness and understanding of key concepts such as responsible credit management, risk identification, mitigation strategies, and liquidity management in banking operations. This initiative plays a vital role in bolstering financial literacy and fostering the adoption of effective banking practices within the community, particularly among students and those interested in finance and banking careers.
PENINGKATAN LITERASI KEUANGAN DIGITAL MELALUI EDUKASI QRIS DAN FINTECH PADA UMKM TOKO KELONTONG GREEN ASOKA Yusak Fahrur Hamzah; Baharudin Yusuf Habibi; Deni Irawan; Ida Ayu Nuh Kartini
Jurnal Media Akademik (JMA) Vol. 3 No. 12 (2025): JURNAL MEDIA AKADEMIK Edisi Desember
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/t6fmme22

Abstract

Perkembangan teknologi keuangan (financial technology/fintech) mendorong transformasi sistem pembayaran di Indonesia melalui implementasi Quick Response Code Indonesian Standard (QRIS). Namun, literasi keuangan digital pelaku Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya toko kelontong, masih terbatas. Penelitian ini bertujuan menganalisis peningkatan literasi keuangan digital melalui edukasi QRIS dan fintech pada UMKM Toko Kelontong Green Asoka. Penelitian menggunakan pendekatan kualitatif deskriptif dengan teknik observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa edukasi dan pendampingan QRIS mampu meningkatkan pemahaman pemilik usaha terhadap sistem pembayaran digital, keamanan transaksi, serta efisiensi operasional. Implementasi QRIS juga mendorong perubahan sikap UMKM dalam mengadopsi teknologi keuangan digital secara berkelanjutan. Penelitian ini memberikan kontribusi praktis dan akademik dalam pengembangan program literasi keuangan digital berbasis UMKM.
BANK BRI KC SURABAYA KERTAJAYA: MITRA STRATEGIS UNTUK UMKM DAN INDIVIDU Ida Ayu Nuh Kartini; Kharin Dinda Aisyah; Johana Rizky Widyastuti; Jessicka Amelia Joyta; Fitra Aoelintiano Nico Victorian
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 4 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN 
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i4.7908

Abstract

In the post-pandemic economic landscape, the banking industry faces a dual challenge: accelerating digital transformation while maintaining inclusivity for the unbanked sector. This study investigates the strategic role of Bank BRI Branch Office (KC) Surabaya Kertajaya in empowering Micro, Small, and Medium Enterprises (MSMEs) and individuals within the Surabaya ecosystem, specifically at Pasar Pucang Anom. Adopting a descriptive qualitative approach with simulated field observations and in-depth interviews, this research explores the implementation of the "Hybrid Bank" model, a synergy between digital capabilities and human presence. The findings reveal that the "Mantri" plays a pivotal role in mitigating information asymmetry through relationship banking grounded in social capital (silaturahmi). Furthermore, the distribution of People's Business Credit (KUR) with a 6% interest rate has effectively displaced informal predatory lenders. The adoption of digital tools like BRImo and QRIS is driven by perceived usefulness and trust, facilitated by the physical presence of the bank. This research concludes that the "High Tech - High Touch" strategy is essential for sustainable financial inclusion in emerging urban economies.
Penerapan Manajemen Jasa Bank dalam Peningkatan Kualitas Pelayanan dan Kepuasan Nasabah di Bank BTN Surabaya Syailendra, Yusfi; Moch. Afif; Ida Ayu Nuh Kartini
Jurilma Vol. 2 No. 2 (2025): Desember 2025
Publisher : CV.RIZANIA MEDIA PRATAMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69533/rajnf654

Abstract

Persaingan industri perbankan yang semakin ketat menuntut bank untuk tidak hanya mengandalkan produk jasa, tetapi juga pengelolaan kualitas pelayanan yang mampu meningkatkan kepuasan nasabah. Bank Tabungan Negara sebagai bank yang berfokus pada pembiayaan perumahan menghadapi tantangan dalam menjaga konsistensi kualitas pelayanan di tengah perkembangan layanan berbasis digital dan meningkatnya ekspektasi nasabah. Permasalahan yang muncul adalah adanya potensi kesenjangan antara standar manajemen jasa yang ditetapkan secara formal dengan praktik pelayanan aktual di tingkat operasional, khususnya dalam integrasi layanan digital dan kualitas interaksi pegawai dengan nasabah. Penelitian ini bertujuan untuk menganalisis penerapan manajemen jasa bank dalam meningkatkan kualitas pelayanan dan kepuasan nasabah di Bank Tabungan Negara Surabaya. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif melalui wawancara mendalam, observasi, dan dokumentasi terhadap informan kunci yang terlibat langsung dalam proses pelayanan nasabah. Hasil penelitian menunjukkan bahwa penerapan manajemen jasa bank dilakukan melalui standar operasional pelayanan yang konsisten, penguatan peran sumber daya manusia, pemanfaatan layanan digital sebagai pendukung pelayanan konvensional, serta evaluasi pelayanan berbasis umpan balik nasabah. Penelitian ini menyimpulkan bahwa manajemen jasa bank yang berorientasi pada kebutuhan nasabah merupakan faktor kunci dalam meningkatkan kualitas pelayanan dan kepuasan nasabah.
Peningkatan Efektivitas Strategi Pemasaran Produk Tabungan dalam Upaya Meningkatkan Jumlah Nasabah pada Perbankan di Wilayah Surabaya Intan Ayu Purnama; Aliffia Iza Nurheta; Pramudhita Jessika Putri; Sulistyorini Sulistyorini; Ida Ayu Nuh Kartini
Jurnal Pelayanan Masyarakat Vol. 2 No. 4 (2025): Desember:Jurnal Pelayanan Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/jpm.v2i4.2715

Abstract

This community service activity was conducted to assist banking institutions in the Surabaya region in enhancing the effectiveness of marketing strategies for savings products in order to increase the number of customers. The main problems faced by banks include the relatively low level of public interest in saving and the suboptimal implementation of promotional strategies, particularly in the utilization of digital media. This activity employed a collaborative approach through training, mentoring, and joint evaluation with marketing staff of banks in the Surabaya area. This activity commenced with an observation and interview phase to identify the marketing strategies that had been previously implemented. Subsequently, material delivery, technical assistance, along with an evaluation of promotional effectiveness. The results indicate that participants were able to implement more adaptive marketing strategies by utilizing digital media such as social media, website, and banking applications. The implementation of these strategies was shown to increase public interest in opening saving accounts. Furthermore, this activity contributed to enhancing the capacity of marketing staff to design data-driven strategies and to strengthening public financial literacy regarding saving products.
Fasilitas Perbankan Digital sebagai Katalisator Pemberdayaan Ekonomi Masyarakat: Studi kasus Implementasi ATM/CRM oleh Bank BRI Ida Ayu Nuh Kartini; Eva Dwi Fani; Aulia Afifah; Tansa Sugi Karenia
Jurnal Pelayanan Masyarakat Vol. 2 No. 4 (2025): Desember:Jurnal Pelayanan Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/jpm.v2i4.2745

Abstract

This Community Service Program aims to enhance the understanding of parents, Madrasah Tsanawiyah students, and the community of Karangbong Village regarding the history of developmental psychology and major child development theories. The program was initiated due to the community’s limited knowledge of developmental concepts, which affects the quality of parenting practices. Using a descriptive qualitative approach through observation, interviews, educational sessions, and discussions, the program presented essential materials covering the history of developmental psychology, Piaget’s cognitive development theory, Erikson’s psychosocial stages, and Vygotsky’s sociocultural theory. The results indicate a significant improvement in participants’ comprehension of developmental stages and their ability to apply appropriate parenting strategies. The program also reinforced the awareness that child development is a responsibility and divine trust that must be nurtured optimally. Overall, this activity contributes to the development of informed, adaptive, and development-oriented parenting within the community.
TRANSFORMASI DIGITAL PERBANKAN: ANALISIS IMPLEMENTASI TEKNOLOGI FINANCIAL TECHNOLOGY (FINTECH) DALAM MENINGKATKAN LAYANAN PERBANKAN DI PT BANK CENTRAL ASIA TBK Handa, Nur; Kartini, Ida Ayu Nuh; Ridwanda, Zahwa Nabilla; Zhannah, Putri Nur Miftahul
SINERGI : Jurnal Riset Ilmiah Vol. 2 No. 12 (2025): SINERGI : Jurnal Riset Ilmiah, Desember 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/sinergi.v2i12.2134

Abstract

Abstract This study aims to analyze the implementation of Financial Technology (Fintech) in digital banking transformation at PT Bank Central Asia Tbk (BCA). The research method used is library research with a descriptive-analytical qualitative approach, utilizing academic literature from the 2021-2025 period from various reputable scientific databases. The research results show that BCA has implemented a comprehensive digital transformation strategy through technology and infrastructure investment with an increase in IT Capital Expenditure allocation of 8-10%, adoption of advanced technologies such as Artificial Intelligence, Robotic Process Automation, and Natural Language Processing, as well as development of innovative digital products such as m-BCA, myBCA, blu, VIRA, QRku, and Sakuku. Fintech implementation has a significant impact on operational efficiency with a decrease in Cost to Income Ratio from 43.7% to 34.3%, increased customer satisfaction through faster and more accessible services, and expansion of digital financial inclusion. Main challenges include cybersecurity, regulation, organizational culture change, and legacy system integration, which are managed through a people, process, and technology approach. Success factors include strong management leadership, continuous investment, product innovation, and digital ecosystem collaboration that enable BCA to maintain its competitive position as a leading bank in Indonesia. Abstrak Penelitian ini bertujuan untuk menganalisis implementasi teknologi Financial Technology (Fintech) dalam transformasi digital perbankan di PT Bank Central Asia Tbk (BCA). Metode penelitian yang digunakan adalah studi pustaka (library research) dengan pendekatan kualitatif deskriptif-analitis, menggunakan literatur akademik periode 2021-2025 dari berbagai basis data ilmiah bereputasi. Hasil penelitian menunjukkan bahwa BCA telah mengimplementasikan strategi transformasi digital yang komprehensif melalui investasi teknologi dan infrastruktur dengan peningkatan alokasi Capital Expenditure IT sebesar 8-10%, adopsi teknologi canggih seperti Artificial Intelligence, Robotic Process Automation, dan Natural Language Processing, serta pengembangan produk digital inovatif seperti m-BCA, myBCA, blu, VIRA, QRku, dan Sakuku. Implementasi Fintech memberikan dampak signifikan terhadap efisiensi operasional dengan penurunan Cost to Income Ratio dari 43,7% menjadi 34,3%, peningkatan kepuasan nasabah melalui layanan yang lebih cepat dan mudah diakses, serta perluasan inklusi keuangan digital. Tantangan utama meliputi keamanan siber, regulasi, perubahan budaya organisasi, dan integrasi sistem legacy, yang dikelola melalui pendekatan people, process, and technology. Faktor keberhasilan mencakup kepemimpinan manajemen yang kuat, investasi berkelanjutan, inovasi produk, dan kolaborasi ekosistem digital yang memungkinkan BCA mempertahankan posisi kompetitif sebagai bank terkemuka di Indonesia.
Analisis Penerapan Statistical Quality Control (SQC) dalam Mengurangi Produk Cacat pada Bingkai Pigura di Bmrsign Wallgallery Lamongan M. Afandi; Ida Ayu Nuh Kartini
RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan Vol. 2 No. 5 (2024): September: RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan
Publisher : Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/risoma.v2i5.363

Abstract

The problem faced by the Bmrsign Wallgallery company is that products are found that do not match the specifications set by the company. The types of product damage are wrong size frames, broken frames, and uneven corners. To solve this problem, the SQC method is used to reduce the causes of defects in the product. The purpose of this method is to reduce the risk of damage to the product. The object studied was Bmrsign Wallgallery with a sample of 29 days. The use of the SQC method is accompanied by analysis tools in the form of control charts (p-charts), Pareto diagrams, cause and effect diagrams (fishbone). Based on the results of data analysis implementing the Statistical Quality Control (SQC) method using the P-Chart control map, the largest value of the Upper Control Limit (UCL) can be shown as 0.272, while the Lower Control Limit (LCL) is -0.013. The results show that the number of defective products during the frame making process is still within normal control limits. The analysis using the Pareto diagram shows that the types of frame defects are dominated by broken with a percentage of 35% or a total of 66 pcs, inappropriate size shapes as much as 33% or a total of 62 pcs, and uneven corners as much as 32% or a total of 60 pcs. Based on the results of the fishbone diagram analysis, defective products are caused by workers who are not focused, work standards are not adhered to, machine maintenance is not given attention, and there is a decrease in the quality of raw materials.
Co-Authors Achmad Axsel Fahrezi Achmad Maulana Setia Putra Adi Rahmad Adrian Dewa Mutiara Sakti Aggraini, Nunung Akbar, Jalaluddin Mohammad Alamsyah, Muhammad Aktoriel Aldrich Azka Rama Athaariq Alfin Cahya Firmansyah Aliffia Iza Nurheta Andre Rizky Rayhan Ubaidillah Andri Hermawan Anisah Fitri Ardhea Mareta Aini Aulia Afifah Aulia Sintya Azzahra Aulya Nurul Islamiyah Aziz, M. Saiful Bagus Pranjaya Baharudin Yusuf Habibi Bimantara Putra Ernanto Darmawan, Indra Manggala Dwi Dava Rizqi Al Fajri Davin Al Aufa Setiawan Debora Kristian Della Widyasari Deni Irawan Devina Ayu Ristanti Diah Ayu Susilaningtias Djonien, Azarya B. Djumaifin, Thesalonika Dyah Ayu Sukmawati Elfan Adiel Prastino Elvira Djalil Endang Setyowati Erlangga Rifki Saputra Eva Dwi Fani Fajrin Naja, M. Afrirul Farhan Adi Faserin Sahnia Febri Ali Wijaya, Histwo Felix Chandra Pranoto Fika Syanty Ayu Febriella Fitra Aoelintiano Nico Victorian Gregorius Arie Angga Dwiputra Handa, Nur Harun Aminuddin Herlini Sanika Rahmawati Hieronimus Aldo Bagas Ariputra Ida Ayu Sri Brahmayanti Ida Bagus Cempena Ilham, M. Shafrial Indra Manggala Dwi Darmawan Intan Ayu Purnama Jauzaa Ronaa Nuur Aqiila Jeslin Cecelia Thunggal Jessicka Amelia Joyta Johana Rizky Widyastuti Khairudin Mufid Kharin Dinda Aisyah M. Afandi M. Fathur Rizki Mariana Peka Powo Meilani, Revi Moch. Afif Mohammad Luqman Farandila Muhamad Rafli Fatahila Muhammad Thufail Musta’in Muhammad Yasin Muttaqin, Muhammad Zukhruful Nasha Aurellya Putri Intiati Nekky Rahmiyati Nesya Azrina Fernanda Shalvianita Nico Api Sunda Ninik Martini Oriza Sativa Pramita Studiviany S Pramita Studiviany Soemadijo Pramita Studiviany Soemadijo Pramudhita Jessika Putri Pranoto, Felix Chandra Prasetya, Mahfud Eko Pratama, Anthon Yoga R.Frengkly Listiya Dendi Wicaksana Rafi Putra Indriarto Rahmawati, Herlini Sanika Randy Dwi Tinara Revalia Wulan Suryani Ridwanda, Zahwa Nabilla Rini Rahayu Sihmawati Risqi Tirta Diroska Riyana Astutik Ningsih Rizqi Nazal Farkhani Sajiyo Sajiyo Salwa Najiba Sandari, Tries Ellia Shafa Aqila Silvi Silvi Siti Romlah Soebandono, Mochamad Raka Putra Soemadijo, Pramita Studiviany Sonia Maylany Sophia Rani Larasati Studiviany, Pramita Sulistyorini Sulistyorini Sundari Putri Langit Kemul Mega Syailendra, Yusfi Syarief, Dwi Jayanthi Syifaul Islamiyah Tansa Sugi Karenia Tarangga Ali Ramadhani Teresya Dwigantara Wega Thesa Djumaifin Tri Hutomo Yogiantoro Tries Ellia Sandari Tries Ellia Sandari Sandari Waasi’u Khairunnisa Yeni Mustika Sari Yusak Fahrur Hamzah Zhannah, Putri Nur Miftahul