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All Journal OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship (JRAMB) Jurnal Riset Akuntansi Mercu Buana JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) Jurnal Abdi Insani Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Operations Research: International Conference Series International Journal of Economics, Management, Business, and Social Science International Journal of Community Service Jurnal Akuntansi dan Keuangan Economics Professional in Action (E-Profit) Jurnal Ekonomi Manajemen Akuntansi Jurnal Lentera Pengabdian Jurnal Bhakti Karya dan Inovatif Jurnal Accounting Information System (AIMS) Jurnal Maps (Manajemen Perbankan Syariah) In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Commercium: Journal of Business and Management Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis Jurnal Ilmiah Manajemen Dan Kewirausahaan Annusfy
Irfan Achmad Musadat
Program Studi Manajemen Fakultas Ekonomi Dan Bisnis Universitas Informatika Dan Bisnis Indonesia, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Penguatan Literasi Financial Technology bagi UMKM Binaan Rumah BUMN Banjaran Soreang dalam Mendorong Inklusi Keuangan Digital Agung Pramayuda; Mugi Puspita; Irfan Achmad Musadat; Retno Widya Ningrum; Raffa Al Fahrip Putra; Wildan Nur Zaman
Lentera Pengabdian Vol. 4 No. 02 (2026): April 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v4i02.1346

Abstract

Rendahnya pemahaman pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) terhadap layanan keuangan digital menjadi salah satu faktor yang menghambat optimalisasi pemanfaatan Financial Technology (Fintech) dalam mendukung pengembangan usaha dan peningkatan inklusi keuangan. Permasalahan tersebut juga ditemukan pada sebagian UMKM binaan Rumah BUMN Banjaran Soreang yang masih memiliki keterbatasan pengetahuan mengenai jenis, manfaat, risiko, serta keamanan penggunaan layanan Fintech. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan literasi Financial Technology (Fintech) guna mendorong peningkatan inklusi keuangan bagi UMKM binaan Rumah BUMN Banjaran Soreang. Metode yang digunakan adalah Participatory Action Research (PAR) yang menekankan partisipasi aktif peserta dalam proses identifikasi masalah, perencanaan, pelaksanaan tindakan, observasi, dan refleksi. Kegiatan dilaksanakan secara daring melalui penyampaian materi, diskusi interaktif, serta evaluasi pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan dan pemahaman peserta mengenai konsep Fintech, jenis layanan keuangan digital, legalitas penyelenggara layanan, keamanan transaksi digital, serta pemanfaatan Fintech untuk mendukung aktivitas usaha. Selain itu, peserta menunjukkan peningkatan kesadaran akan pentingnya penggunaan layanan keuangan formal berbasis digital sebagai sarana untuk memperluas akses keuangan dan meningkatkan efisiensi usaha. Kesimpulan dari kegiatan ini menunjukkan bahwa pendekatan Participatory Action Research (PAR) efektif dalam meningkatkan literasi Financial Technology (Fintech) dan mendorong kesiapan UMKM dalam memanfaatkan layanan keuangan digital, sehingga berkontribusi terhadap peningkatan inklusi keuangan dan penguatan kapasitas usaha di era ekonomi digital.
Scalable Community Outreach for AI Literacy and Future Ready Skills Evidence from Indonesia–Malaysia Collaboration Susan Purnama; Mugi Puspita; Irfan Achmad Musadat; Agung Pramayuda; Immanuel David Martsinus Situmorang
International Journal Of Community Service Vol. 6 No. 1 (2026): February 2026 (Indonesia - Timor Leste)
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v6i1.963

Abstract

This study aimed to strengthen students’ and the general public’s understanding of how artificial intelligence (AI) is reshaping work and to promote future-ready competencies, including strategic upskilling and reskilling. The community-service activity was delivered in Indonesia via a Zoom Meeting webinar on 28 November 2025 titled “Shaping the Future Workforce in the Age of Artificial Intelligence.” Content was prepared from key reports on AI and work. Participant registration and feedback were collected using Google Forms (Google LLC). The intervention included expert talks (industry practitioner and academic), moderated discussion, and Q&A. Evaluation used a post-webinar survey with 5 point Likert items and open-ended questions. Participants reported clearer awareness of AI-driven job changes, emerging roles, and the importance of data/AI literacy. Key themes were continuous learning, building practical portfolios, and responsible AI use (bias, privacy, and validating AI outputs). The findings rely on self-reported perceptions from a single webinar, without a pre–post test, objective skill measures, or long-term follow-up. This study offers a replicable, low-cost webinar model for workforce-readiness education and contributes to HR development and digital-talent training by translating AI trends into actionable, practical competency guidance for higher education and community partners.
Enhancing the Digital Competencies of MSME Actors Fostered by Rumah BUMN Yogyakarta Mugi Puspita; Irfan Achmad Musadat; Agung Pramayuda
International Journal Of Community Service Vol. 6 No. 1 (2026): February 2026 (Indonesia - Timor Leste)
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v6i1.969

Abstract

This community service (PKM) program aimed to enhance the digital competencies of micro, small, and medium-sized enterprises (MSMEs) fostered by Rumah BUMN Yogyakarta in response to rapid technological developments and increasing demands for digital transformation. Limited understanding of digital marketing, the use of e-commerce platforms, and social media management has been a major barrier preventing MSMEs from expanding their market reach and improving competitiveness. Through a training and mentoring program covering basic digital literacy, social media optimization, marketplace introduction, and digital content creation techniques, participants were equipped with practical skills that could be directly applied to their businesses. The program employed an implementation method based on interactive discussions between business actors and resource persons. Evaluation results indicated improvements in participants’ knowledge and skills in leveraging digital technologies for promotion and business management. In addition, participants were able to develop more effective digital marketing strategies tailored to the characteristics of their respective products. This program is expected to strengthen MSMEs’ capacity to adapt to the digital business ecosystem and to support local economic growth in Yogyakarta.
TRANSFORMASI DIGITAL DALAM ORGANISASI: STRATEGI, RESIKO, DAN INOVASI Anang Bambang Pujianto; Johnson Sinaga; Agung Pramayuda; Mugi Puspita; Irfan Achmad musadat; Muhammad Ghazy Khairi Azka
Jurnal Abdi Insani Vol 13 No 3 (2026): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v13i3.3025

Abstract

The development of digital technology has transformed the way organizations operate, interact, and adapt to an increasingly dynamic environment. Digital transformation is no longer merely an option but a strategic necessity for organizations to remain relevant and competitive. However, many organizations in Indonesia—particularly educational institutions, MSMEs, and community organizations—still face challenges such as limited digital literacy, the absence of well-defined strategies, and a lack of understanding regarding digital risks. These conditions underlie the implementation of a Community Service (PkM) program with the theme “Digital Transformation in Organizations: Strategy, Risk, and Innovation.” The purpose of this program is to provide comprehensive insights to target partners—namely educators, MSME actors, and non-profit managers—on digitalization strategies, risk management, and innovations applicable to their organizational context. The implementation method was carried out through a national webinar that enabled broad participation from across Indonesia, with activities designed to include material presentations, interactive discussions, and evaluations using questionnaires, pre-tests, and post-tests. The results of the program indicated a significant increase in participants’ understanding of the importance of digital roadmaps, awareness of technological risks, and opportunities for digital-based innovation. Participants also demonstrated strong enthusiasm in adopting simple yet relevant technologies, such as digital marketing and cloud-based management. The implication of these results is that digital transformation can be understood and gradually adopted by various types of organizations when provided with appropriate guidance, even with limited resources. Therefore, this PkM initiative is crucial as it not only enhances digital literacy but also encourages organizations in Indonesia to become more adaptive, innovative, and resilient in facing the era of technological disruption.
OPTIMALISASI PROFITABILITAS PERBANKAN MELALUI EFISIENSI OPERASIONAL, PENGENDALIAN LIKUIDITAS DAN RISIKO KREDIT: IMPLIKASI KEBIJAKAN BAGI INDUSTRI PERBANKAN INDONESIA Agung Pramayuda; Rina Dwiarti; Irfan Achmad Musadat; Retno Widya Ningrum; Okta Eka Putra
(JRAMB) Jurnal Riset Akuntansi Mercu Buana Vol 12 No 1: Mei 2026
Publisher : Universitas Mercu Buana Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26486/vpqmjj61

Abstract

Profitability is an important indicator in assessing banking performance because it reflects a bank's ability to manage its resources efficiently to generate sustainable earnings. This study aims to examine the effects of liquidity management, credit risk, and operational efficiency on the profitability of Conventional Commercial Banks classified as Core Capital-Based Bank Group II with total assets exceeding IDR 25 trillion in Indonesia. The study employed a quantitative method with descriptive and verificative approaches. Secondary data were collected from the annual financial statements of 17 banks during the 2022–2024 period. Data analysis was conducted using panel data regression with the assistance of Eviews software. The findings indicate that effective liquidity management through optimal loan disbursement contributes positively to bank profitability. In contrast, higher credit risk and operational inefficiency reduce the ability of banks to generate profits. The study also reveals that operational efficiency is the most dominant factor influencing banking profitability. These findings suggest that profitability is determined not only by the bank's ability to increase revenue through credit expansion but also by its capability to maintain loan quality and control operational costs effectively. The implications of this study highlight the importance of implementing an integrated strategy that combines the optimization of the intermediation function, strengthening credit risk management, and improving operational efficiency through digital transformation. Such efforts are essential to achieving sustainable financial performance and enhancing the competitiveness of the Indonesian banking industry.
Understanding Employee Engagement Among Generation Z : Stress and Workplace Perspective Ayu Nike Retnowati; Putri Damayanti; Irfan Achmad Musadat
Commercium : Journal of Business and Management Vol. 4 No. 3 (2026): August 2026
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/commercium.v4i3.1315

Abstract

Employee engagement has become a strategic concern in human resource management, particularly among Generation Z employees who are expected to dominate the future workforce. However, maintaining high engagement remains challenging due to increasing job stress and suboptimal psychosocial work environment. This study examines the effects of the non physical work environment and job stress on employee engagement among Generation Z employees in Bandung, Indonesia. A Quantitative explanatory approach was employed using survey data collected from 100 Generation Z employees selected through purposive sampling. Data were analyzed using descriptive statistics, validity and reliability testing, classical assumption test and multiple linear regression analysis to assess both partial and simultaneous effect among variables. The findings indicate that employee engagement was at a moderately high level, while the non-physical work environment was perceived as moderately favorable and job stress was relatively high. Multiple regression analysis revealed that the non-physical work environment had a positive and significant effect on employee engagement, whereas job stress had a negative and significant effect. The non-physical work environment explained 28.9% of the variance in employee engagement, job stress explained 17.6%, and both variables simultaneously accounted for 47.95% of the variance (R² = 0.4795, p < 0.001). These findings support the Job Demands–Resources (JD-R) Theory, suggesting that employee engagement is shaped by the balance between job resources and job demands. The study concludes that supportive psychosocial workplace conditions and effective stress management are essential for enhancing employee engagement, employee retention and long term organizational performance among Generation Z employees.
Co-Authors Afriyanti Eva Belinda Lase Agung Pramayuda Agung Pramayuda Anang Bambang Pujianto Andia Janash Mumthaza Aprianti, Vika Ayu Nike Retnowati Bambang Sugeng Dwiyanto Bob Foster Dewi, Wulan Sari Elan Rusnendar Fikri, Andri Muhammad Harianto Simarmata Immanuel David Martsinus Situmorang Johnson Sinaga Julianti, Susi Khoirunnisa, Indah Kusumawardhani, Aninditha Putri Mahendra, Rivan Yusni Malyani, Risti Maulana, M. Iqbal Mesya Dwiyana Mohammad Sofyan Mugi Puspita Mugi Puspita Mugi Puspita Mugi Puspita Muhammad Ghazy Khairi Azka Muharomah, Nur Fajrin Niken Widyastuti Ningrum, Dwi Hanum Setiya Nurhaliza, Siti Oktaviani Nurhidayati, Ninin Nurjanah, Cici Okta Eka Putra Purnama, Susan Putra, Okta Eka Putri Damayanti Putri, Dewi Yolanda Raffa Al Fahrip Putra Retno Widya Ningrum Retno Widya Ningrum, Retno Widya Ningrum Rina Dwiarti RUMIKI, DJURAIDJ Susan Purnama Tri Lestari Veronica Rohali Sitorus Viola Putri Nabila Wildan Nur Zaman