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Pencatatan Keuangan Digital Melalui Aplikasi Accurate dan Esensi Solusi Buana Core Pada Kantor My Kopi-O Lombok Limas, Cindy Cornelia; Hendri, Wira; Wardhana, Helna
Jurnal Ilmiah Pengabdian dan Inovasi Vol. 2 No. 4 (2024): Jurnal Ilmiah Pengabdian dan Inovasi (Juni)
Publisher : Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57248/jilpi.v2i4.449

Abstract

The transformation of the financial industry has not only impacted society but has also significantly influenced industry players in Indonesia. This transformation is evidenced by the availability of numerous digital financial applications that can be accessed either for a fee or free of charge, such as Accurate and ESB Core. The use of these applications is considered to enhance the effectiveness of corporate financial reporting. Therefore, this community service activity aims to assist My Kopi-O Lombok in implementing financial transaction recording through the Accurate and ESB Core applications. The methodology for this activity comprises three phases: preparation/planning, execution, and evaluation. Several activities conducted include recording financial transactions into the system, inventory management, initial branch data setup, and petty cash management. All activities were completed within one month. The results of this activity demonstrate an increase in the effectiveness of financial reporting for My Kopi-O Lombok, as digital recording has proven to facilitate the work of the finance department. It is hoped that through this activity, the company will continue to intensify its use of digital financial applications to maximize revenue and minimize operational expenses that can still be reduced by the company.
Environmental, Social, Governance (ESG Score) and Profitability on Stock Return with Audit Quality as Moderation Chandra, Hendika; Anggriani, Rini; Alpiansah, Restu; Hendri, Wira; Zahrah
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 6 No. 1 (2025): April
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v6i1.949

Abstract

This research aims to examine the effect of Environmental, Social, and Governance (ESG Score) and Profitability on Stock Return with Audit Quality as moderation in companies listed in the SRI-KEHATI Index for the 2021–2023 period. This research is associative causal with a quantitative approach. The population consists of companies in the SRI-KEHATI Index, and the sample selection is conducted using purposive sampling. Based on the sample criteria, 12 companies met the requirements with a research period of three years, resulting in a total of 36 data samples. In this research a panel data regression model is applied using the Fixed Effect Model (FEM), and the moderation variable is tested using Moderated Regression Analysis (MRA) with EViews 10 software. The results of this research indicate that ESG Score has no effect on Stock Return while Profitability affects Stock Return. Moreover, Audit Quality cannot moderate the effect of ESG Score on Stock Return, and the Audit Quality cannot moderate the effect of Profitability on Stock Return.
Pengaruh Literasi Keuangan, Pendapatan dan Persepsi Risiko terhadap Konsumen Pinjaman Online di Kota Mataram Yanti, Hana Putri; Widiyasti, Baiq Dinna; Talidobel, Susilo; Hendri, Wira; Nirwana, Baiq Nadia
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 4 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i4.1254

Abstract

The advancement of digital technology has driven the growth of online lending services, making them increasingly accessible particularly to Generation Z, who are known for their adaptability to technology. However, this convenience is not always accompanied by adequate financial understanding, which may lead to financial risks. This study aims to determine the influence of financial literacy, income, and risk perception on the use of online loans among Generation Z in Mataram City. The research employs a quantitative approach using an associative method. The sampling technique used is purposive sampling, with a total of 100 respondents who are members of Generation Z and have used online lending services. Data were collected through online questionnaires and analyzed using multiple linear regression analysis. The results indicate that, partially, financial literacy and risk perception have a positive and significant influence on online loan usage, and income also has a significant effect. Simultaneously, all three variables have a significant impact on the use of online loans. These findings highlight the importance of improving financial literacy and risk awareness to prevent the excessive use of online lending among Generation Z. This research is expected to serve as a reference for educational institutions, fintech service providers, and policymakers in formulating effective and sustainable financial education programs and policies.
Pengaruh Inklusi Keuangan, Persepsi Risiko dan Persepsi Persepsi Kemudahan terhadap Konsumen Pinjaman Online Azmi, Nurul; Widiyasti, Baiq Dinna; Zahrah, Zahrah; Hendri, Wira; Dethan, Stevany Hanalyna
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 4 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i4.1255

Abstract

The rapid growth of online loan platforms has transformed access to credit, especially for individuals who face barriers to traditional financial services. In Lombok Island, West Nusa Tenggara, Indonesia, honorary teachers often experience limited access to formal financing and have relatively low incomes, making them particularly vulnerable to financial risks and overindebtedness due to the increasing use of online loans. This study aims to empirically investigate how financial inclusion, risk perception, and perceived ease of use influence the behavior of online loan consumers, focusing specifically on this group of teachers. Using a quantitative research approach, data were collected from 100 honorary teachers through a structured survey. The instruments used in the study underwent validity and reliability testing, confirming their accuracy and consistency for the research context. The results of multiple linear regression analysis indicate that financial inclusion, risk perception, and perceived ease of use simultaneously and individually exert a positive and significant impact on the online loan consumption behavior of teachers. Notably, perceived ease of use emerged as the most influential factor, suggesting that the simplicity and convenience of accessing fintech lending platforms play a crucial role in driving adoption among this vulnerable population. These findings provide important insights for policymakers and financial educators to develop targeted financial literacy programs and inclusive fintech services. By emphasizing ease of use while addressing risk awareness and financial accessibility, stakeholders can better protect honorary teachers and similar vulnerable groups from the potential pitfalls associated with online loans, fostering safer and more responsible financial behavior.
Kajian Desentralisasi Fiskal Dan Kesejahteraan Masyarakat Di Provinsi Nusa Tenggara Barat Hendri, Wira
JISIP: Jurnal Ilmu Sosial dan Pendidikan Vol 4, No 2 (2020): JISIP (Jurnal Ilmu Sosial dan Pendidikan)
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (698.459 KB) | DOI: 10.58258/jisip.v4i2.1092

Abstract

Welfare of society was the form big problem and finished yet and we know that of prospirety prom the Human Development Index is conducted in different blooming between regency and provincy especially in NTB the West of Nusa Tenggara and differences arrising is caused presence of potential financial and there were differenced in organizer from each of teritory the potential of financial through fiscal desentralization and organizer of financial was an effective instrument to pushed prospirety of society life to goverment wanted but as we know that is till now occured pro and contra betweet some expert about the importance of function fiscal desetralization and organizer of finncial to developed prospirety of society is still unconsistant or diffrent opinion from experts till now about the relation between variable to show signify the final relation that and it needed comprehensive model to determine of indication variable. So it coud solved the welfare problem between regancy and prosvincy in the west of Nusa (NTB). The purposed of this research is analysed the effect of fiscal desentralization and local financial performance in regency toward the local economy performance, disparity income, and welfare of society especialy in regency area and provincy of Nusa (NTB) and the researched variable is used in this analysis were: fiscal desentralization, the local financial performance, the local economy performance, disparity of income, and welfare of society. The data in this research is used the panel data. And the composite from ten Regency and provincy withtiming distace 2008 – 2017. And this data i got from Department of financial, and statistic center in west of Nusa (NTB) whereas tecnique of data is used by the PLS model. The conclusion from the product analysed were: (1) there were effect of fiscal desentralization positif and significant of local financial performance; (2) fiscal desentralization and local financial performance was positif and significant influential toward local economy performance; (3) fiscal desentralization was negative influential and didn’t significant toward disparity income, whereas the local financial performance and the local economy performance  was positive influented and significant disparity income; (4) fiscal desentralization was positive influented but it didn’t significant of welfare of society, whereas variable of local financial performance, the local economy performance and disparity income in positive imfluenced and significant toward welfare of society; (5) the local financial performance was the full mediation variable from fiscal desentralization toward the local economy performance; (6) the local financial performance is constituted in full mediation variable from fiscal desentalization to disparity income. (7) the local economy performance didn’t able to made with full mediation from the local economic performance to disparity income; (8) the local financial performance and disparity income it able to full mediation from fiscal desentralization to welfare of society; (9) the local economy performance and disparity income able with full mediation from fiskal desentralization to welfare of society; (10) disparity income didn’t able mediation (non mediation) from local economy performance to welfare of society.
Efektivitas Transmisi Kebijakan Moneter Sebelum Dan Setelah Covid 19 dengan Pendekatan Vektor Error Correction Model Di Indonesia Hendri, Wira; Sahdan; Rini anggraini; Khairunsa
Jurnal Aplikasi Perpajakan Vol. 6 No. 2 (2025): Jurnal Aplikasi Perpajakan
Publisher : Jurnal Aplikasi Perpajakan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jap.v6i2.473

Abstract

Transmisi kebijakan moneter merupakan instrumen penting dalam mengendalikan laju inflasi. Penelitian ini bertujuan menganalisis transmisi kebijakan moneter terhadap sasaran tunggal inflasi dengan mempertimbangkan fenomena covid 19. Jenis penelitian kuantitatif dengan sumber data diperoleh dari statistik keuangan indonesia bank Indonesia dan Badan Pusat Statistk dan analisis data menggunakan Vector Error Correction Model. Hasil penelitian menemukan bukti sebelum adanya covid 19 transmisi kebijakan moneter melalui jalur suku bunga, nilai tukar dan kredit sangat efektif mempengaruhi inflasi kecuali jalur moneter yang tidak efektif mempengaruhi inflasi. Setelah terjadinya covid 19 semua saluran transmisi kebijakan moneter menjadi tidak efektif mempengaruhi laju inflasi. Penelitian ini diharapkan memberikan masukan kepada bank sentral dalam menentukan arah kebijakan moneternya dan memberikan informasi kepada masyarakat tentang perkembangan sektor keuangan
Peningkatan kuantitas, kualitas dan pemasaran produk berbasis teknologi pada kelompok tani Desa Sambik Bangkol Hendri, Wira; Syamsurrijal, Syamsurrijal; Santoso, Heroe
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 6 (2025): November (In Progress)
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i6.35375

Abstract

AbstrakUsaha Mikro Kecil dan Menengah (UMKM) merupakan suatu bentuk usaha kecil masyarakat yang sangat berperan dalam mengurangi tingkat pengangguran yang ada di Indonesia. UMKM di Desa Sambik Bangkol terdiri dari beragam usaha, seperti pembuatan kripik talas, mie berbahan dasar talas, pengolahana biji kopi, biji kakao dan lain-lain. Permasalahan dalam mengembangkan usaha, terutama menyangkut pemasaran produk yang hanya dijual dilingkungan sekitar atau menerima pesanan. Metode yang digunakan berfokus pada aspek-aspek spesifik sesuai dengan permasalahan dan solusi antara lain : (1) Tahapan Kegiatan,  (2) Partisipasi Mitra, (3) Evaluasi Pelaksanaan Program, (4) Evaluasi Hasil Penyelesaian Permasalahan Pemasaran. Hasil dalam pengabdian ini antara lain : (1) Peningkatan kuantitas produksi kripik, (2) Peningkatan Kuantitas produksi mie sehat, (3) Kualitas keripik talas dan mie sehat sesuai dengan standar BPOM, (4) Meningkatkan profit Kelompok Wanita Tani Melati Putih. Dari pelaksanaan pelatihan dan pendampingan yang telah dilakukan, pelaku usaha UMKM desa Sambik Bangkol mendapatkan pengetahuan sistem pemasaran dengan digital marketing yaitu memanfaatkan teknologi seperti media sosial facebook, instagram, tiktok, shopee. Kesimpulannya bahwa pemahaman strategi digital marketing, pemasaran media sosial, dapat meningkatkan kinerja  usaha kecil dan menengah. Secara keseluruhan, program ini memberikan solusi nyata bagi permasalahan mitra dan berkontribusi pada upaya peningkatan kesejahteraan masyarakat di Desa Sambik Bangkol. Kata kunci: UMKM; kelompok wanita tani; pemasaran digital; Sambik Bangkol. AbstractMicro, Small and Medium Enterprises (MSMEs) are a form of small community business that plays a very important role in reducing the unemployment rate in Indonesia. MSMEs in Sambik Bangkol Village consist of various businesses, such as making taro chips, taro-based noodles, processing coffee beans, cocoa beans and others. Problems in developing businesses, especially regarding marketing products that are only sold in the surrounding environment or receiving orders. The method used focuses on specific aspects according to the problems and solutions, including: (1) Activity Stages, (2) Partner Participation, (3) Evaluation of Program Implementation, (4) Evaluation of Marketing Problem Solving Results. The results of this service include: (1) Increasing the quantity of chip production, (2) Increasing the quantity of healthy noodle production, (3) The quality of taro chips and healthy noodles according to BPOM standards, (4) Increasing the profits of the White Melati Women Farmers Group. Through the training and mentoring provided, MSMEs in Sambik Bangkol Village gained knowledge about digital marketing systems, utilizing technology such as Facebook, Instagram, TikTok, and Shopee. The conclusion is that understanding digital marketing strategies and social media marketing can improve the performance of small and medium enterprises. Overall, this program provides real solutions to partner challenges and contributes to improving the well-being of the community in Sambik Bangkol Village. Keywords: MSMEs; women’s farmer group; digital marketing; Sambik Bangkol
PENGARUH INKLUSI DAN LITERASI KEUANGAN TERHADAP KINERJA KEUANGAN UMKM DI BTPN SYARIAH Areebah Subagyo; Baiq Dinna Widiyasti; Baiq Nadia Nirwana; Wira Hendri; L. Jatmiko Jati
Procuratio : Jurnal Ilmiah Manajemen Vol 13 No 1 (2025): Procuratio : Jurnal Ilmiah Manajemen
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/procuratio.v13i1.4863

Abstract

This research aims to test the effect of financial inclusion and test the effect of financial literacy on the financial performance of MSMEs at BTPN Syariah. This research method uses non-probability sampling with purposive sampling type. The research was conducted in Utan Regency, Sumbawa, West Nusa Tenggara with data collection techniques using questionnaires distributed directly. The respondents for this research used BTPN Syariah customers who had received guidance through MSME facilitators. This research used a sample of 93 respondents who were MSMEs and assisted customers from our bestee program at BTPN Syariah. The data analysis technique for this research uses descriptive analysis and multiple linear regression analysis with the help of SPSS software. Thus, it can be concluded that financial inclusion has a positive and significant effect on the financial performance of MSMEs, and financial literacy has a positive and significant effect on the financial performance of MSMEs. Future researchers can add other variables and increase the number of samples in the research, in order to get stronger results than previous researchers. Penelitian ini bertujuan melakukan pengujian pengaruh inklusi keuangan dan pengujian pengaruh literasi keuangan terhadap kinerja keuangan UMKM di BTPN Syariah. Metode penelitian ini menggunakan non-probability sampling dengan jenis purposive sampling. Penelitian dilakukan di Kabupaten Utan, Sumbawa, Nusa Tenggara Barat dengan teknik pengumpulan data menggunakan kuesioner yang disebarkan secara langsung. Responden penelitian ini menggunakan nasabah BTPN Syariah yang telah mendapatkan binaan melalui fasilitator pendamping UMKM. Penelitian ini menggunakan sampel sebanyak 93 responden yang merupakan pelaku UMKM dan nasabah binaan dari program kita bestee di BTPN Syariah. Teknik analisis data penelitian ini menggunakan analisis deskriptif dan analisis regresi linear berganda dengan bantuan software SPSS. Dengan demikian, dapat disimpulkan inklusi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM, dan literasi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM. Peneliti selanjutnya dapat menambahkan variabel lainnya dan meningkatkan jumlah sampel pada penelitian, agar mendapatkan hasil yang lebih kuat dibandingkan peneliti sebelumnya.