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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) JURNAL MANAJEMEN BISNIS JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Community Development Journal: Jurnal Pengabdian Masyarakat BEMAS: Jurnal Bermasyarakat Kontigensi: Jurnal Ilmiah Manajemen JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Indonesian Community Journal Journal of Innovation Research and Knowledge Sanskara Akuntansi dan Keuangan Easta Journal of Innovative Community Services West Science Business and Management JIMIA Jurnal Bisnis dan Manajemen West Science Jurnal Ekonomi dan Kewirausahaan West Science Jurnal REKOMEN (Riset Ekonomi Manajemen) IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Pengabdian dan Inovasi Masyarakat Indonesian Journal of Business and Entrepreneurship Research INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Alfiana
Universitas Muhammadiyah Bandung, Bandung, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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ANALISIS PENERIMAAN QRIS DI KALANGAN UMKM Alfiana Alfiana; Nika Sintesa; Toto Heru Dwihandoko; Eko Budi Lestari; Nersiwad Nersiwad
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1528

Abstract

The purpose of this study is to analyze the acceptance of QRIS among MSMEs. This research approach collects data through literature studies, which involve reading literature from various sources including books, articles, journals and reports using qualitative and deductive approaches. The findings in this study are that the acceptance of QRIS among MSMEs has benefits and positive impacts in simplifying and accelerating the payment system, facilitating monitoring and analyzing transaction history and financial arrangements, improving merchant business performance, developing MSME growth, encouraging efficiency in the economic sector, and accelerating inclusive finance. However, there are still obstacles such as unstable internet connections, security issues and transaction readability, and admin deductions on QRIS. Therefore, with the right strategy, such as education and training, improving digital infrastructure, promotion and incentives, and improving system security, QRIS can be more widely accepted and utilized by MSMEs.
Pemberdayaan Ekonomi Kreatif Berbasis Manajemen Produksi dan Branding Digital Alfiana Alfiana; Eva Purnamasari; Adi Suroso; Irma M Nawangwulan; Samuel PD Anantadjaya
CivicAction: Jurnal Pengabdian dan Inovasi Masyarakat Vol. 1 No. 2 (2025): Artikel Pengabdian
Publisher : SORATEKNO PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59696/civicaction.v1i2.126

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan dengan tujuan untuk meningkatkan kapasitas pelaku usaha ekonomi kreatif melalui penerapan manajemen produksi yang efisien dan strategi branding digital yang efektif. Sasaran kegiatan adalah kelompok pelaku UMKM di sektor kerajinan dan kuliner yang berada di wilayah Semarang, Dikecamatan Sekar Ayu. Permasalahan utama yang dihadapi mitra meliputi rendahnya pemahaman tentang pengelolaan produksi yang sistematis serta minimnya kemampuan dalam memanfaatkan media digital sebagai sarana pemasaran produk. Metode pelaksanaan kegiatan terdiri dari tahap observasi awal, pelatihan, pendampingan intensif, serta evaluasi dan monitoring pasca-kegiatan. Materi pelatihan difokuskan pada perencanaan produksi, efisiensi biaya, kontrol kualitas, serta pembuatan identitas merek (brand identity), pemanfaatan media sosial, dan strategi pemasaran digital. Hasil dari kegiatan ini menunjukkan peningkatan signifikan dalam kemampuan peserta dalam menyusun rencana produksi yang terukur serta menghasilkan konten promosi digital yang menarik dan relevan. Selain itu, peserta mulai aktif memanfaatkan platform digital seperti Instagram, WhatsApp Business, dan marketplace lokal untuk memasarkan produknya. Dengan pendekatan partisipatif dan berkelanjutan, kegiatan ini berkontribusi dalam memperkuat daya saing pelaku ekonomi kreatif lokal di era digital. Keberhasilan program ini diharapkan menjadi model bagi upaya pemberdayaan serupa di wilayah lainnya.
Penguatan Kemampuan Manajemen Keuangan pada Petani Lokal untuk Meningkatkan Akses dan Efisiensi Sumber Daya Alfiana Alfiana; Muhammad Azizi; Klemens Mere; Muhammad Asir; Hariandy Hasbi
I-Com: Indonesian Community Journal Vol 5 No 1 (2025): I-Com: Indonesian Community Journal (Maret 2025)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/icom.v5i1.6670

Abstract

Pengelolaan keuangan yang baik sangat penting bagi petani lokal untuk memastikan efisiensi penggunaan sumber daya yang terbatas serta meningkatkan akses ke berbagai bentuk dukungan finansial guna menunjang produktivitas mereka. Penelitian ini bertujuan untuk mengeksplorasi pentingnya penguatan kemampuan manajemen keuangan pada petani lokal dalam meningkatkan efisiensi sumber daya dan akses terhadap pembiayaan, sekaligus mengintegrasikan pendekatan pengabdian kepada masyarakat sebagai solusi praktis. Metode pelaksanaan pada kegiatan pengabdian kepada masyarakat ini adalah identifikasi kebutuhan dan analisis situasi, penyusunan dan penyampaian materi pelatihan, implementasi dan pendampingan, evaluasi dan monitoring. Hasil penelitian menunjukkan bahwa edukasi keuangan, pengelolaan utang yang bijak, serta pemanfaatan teknologi untuk mengakses pembiayaan dapat meningkatkan ketahanan ekonomi petani dan meminimalisir risiko keuangan. Dengan adanya intervensi berbasis pengabdian kepada masyarakat, penguatan kemampuan manajemen keuangan diharapkan dapat mempercepat keberlanjutan usaha pertanian serta meningkatkan kesejahteraan petani secara berkelanjutan.
Capital Structure Determinants In The Era Of Digital Economy: Evidence From Technology Firms Alfiana Alfiana; Klemens Mere; Farini Limbong
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 3 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i3.10377

Abstract

The rapid evolution of the digital economy has reshaped the financial structure and strategic financing decisions of technology-based firms. This study investigates the determinants of capital structure among technology firms operating in the digital era, focusing on the interplay between traditional financial variables and new digital-driven factors. Using panel data from publicly listed technology companies between 2015 and 2024, this research applies multiple regression and fixed-effects models to examine the influence of firm size, profitability, asset tangibility, growth opportunities, liquidity, and digital innovation intensity on leverage ratios. The results indicate that while profitability and asset tangibility remain significant predictors consistent with pecking order and trade-off theories, digitalization level and intangible asset intensity introduce new dynamics in capital structure decisions. Firms with higher digital innovation and intangible assets tend to rely more on equity financing due to lower collateral values and greater market uncertainty. These findings provide empirical insights for investors, managers, and policymakers on optimizing capital structure strategies within the evolving context of digital transformation.
Mompreneurs Potential: An Analysis of Housewives' Entrepreneurial Interest Alfiana Alfiana; Fajriani Azis; Andi Anggi Kemalasari; Nuraisyiah Nuraisyiah
Indonesian Journal of Business and Entrepreneurship Research Vol. 1 No. 3 (2023): Vol. 1, No. 3, September 2023: Indonesian Journal of Business and Entrepreneurs
Publisher : Department of Business and Entrepreneurship, Faculty of Economics and Business, Universitas Negeri Makassar

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Abstract

This study aims to determine whether there is an interest in entrepreneurship in housewives in Salubarani Village, Gandangbatu Sillanan District, Tana Toraja Regency. The research method used is descriptive qualitative research, how to collect data, namely through observation, interviews, and documentation of the object of research so as to explore more deeply about the analysis of entrepreneurial interest in housewives in Salubarani Village, Gandangbatu Sillanan District, Tana Toraja Regency. As objects in this study are some housewives who have a business or do not have a business. The results obtained from this study stated that most housewives in Salubarani Village, Gandangbatu Sillanan Subdistrict, Tana Toraja Regency do not have an interest in entrepreneurship so that the government needs to play a role in overcoming this problem. Entrepreneurial interest in housewives in Salubarani Village, Gandangbatu Sillanan Subdistrict, Tana Toraja Regency actually has enormous potential for mompreneurs development, but it is not easy because there are internal factors and external factors that become obstacles from housewives themselves to develop themselves into mompreneurs. However, to foster interest in entrepreneurship, the way that can be done is by trying to dig up information from various sources related to the business world that is run, especially in recognizing the potential of mompreneurs.
STRATEGIC TRANSFORMATIONS: ASSESSING THE INTERPLAY OF DIGITAL COMMERCE, TRADITIONAL TRADE, AND EMERGING MARKET TRENDSIN THE GLOBAL BUSINESS LANDSCAPE Alfiana Alfiana; Listiana Sri Mulatsih; Al-Amin; Muhamad Stiadi; Dede Gustian
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 2 No. 3 (2023): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Publisher : ADISAM Publisher

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Abstract

In this comprehensive study titled "Strategic Transformations: Assessing the Interplay of Digital Commerce, Traditional Trade, and Emerging Market Trends in the Global Business Landscape," we embarked on a multifaceted exploration of the dynamic forces reshaping the global business environment. We delved into the complex interplay between digital commerce, traditional trade practices, and emerging market trends using empirical data and a rigorous analytical approach. Our research revealed a profound shift in how businesses operate and consumers engage with the marketplace. We found that once considered optional, digital commerce has evolved into an imperative for businesses seeking to remain competitive in the 21st century. This transformation extends beyond adopting online platforms; it encompasses the digitalization of supply chains, data-driven decision-making, and integrating emerging technologies such as Artificial Intelligence (AI) and Blockchain. Furthermore, our findings highlighted the intricate coexistence and convergence of digital and traditional trade practices. Businesses increasingly adopt hybrid models and omnichannel strategies to cater to diverse consumer preferences. This strategic adaptation allows them to leverage the strengths of both digital and traditional methods while remaining agile in response to emerging market trends. Sustainability emerged as a paramount concern, shaping consumer choices and driving businesses to embrace eco-conscious practices. The study underscores the need for businesses to view sustainability not as a mere trend but as a fundamental driver of their strategic decisions. Our research provides valuable insights for businesses, policymakers, and stakeholders navigating this transformative landscape. It contributes to the ongoing discourse on the future of commerce, offering practical implications and a roadmap for strategic decision-making in a world where the digital and traditional realms of business intersect and evolve.
CREDIT RISK IN ISLAMIC BANKING: AN IN-DEPTH ANALYSIS OF CREDIT RISK MANAGEMENT AND RISK-SHARING MECHANISMS IN INDONESIAN ISLAMIC FINANCIAL INSTITUTIONS Alfiana Alfiana; Sulistyo Budi Utomo; Muhammad Syafri; Al-Amin; Azmi Syarif
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 2 No. 3 (2023): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Publisher : ADISAM Publisher

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Abstract

This research extensively examines credit risk management within the unique realm of Islamic banking institutions operating in Indonesia. Islamic finance, guided by principles of ethical finance and profit-and-loss sharing (PLS) contracts, introduces distinctive complexities into the credit risk domain. The primary objective is to scrutinize the intricacies of credit risk management in Islamic banking, particularly in the Indonesian context, a significant hub for Islamic finance. The study dissects several complex dimensions: It delves into the profound intricacies of risk-sharing mechanisms inherent in Islamic finance. The research explores how profit-and-loss sharing contracts, like Mudarabah and Musharakah, reshape credit risk dynamics and the distribution of risk between financial institutions and clients. Additionally, the research investigates the unique collateralization methods in Islamic banking, compliant with Sharia principles, and their impact on credit risk and recovery processes following default. A detailed analysis of diverse contractual structures used in Islamic finance, including Ijarah and Murabahah, assesses their influence on credit risk profiles and risk mitigation strategies. Moreover, the study examines the regulatory framework governing Islamic finance in Indonesia, considering how regulators harmonize Islamic financial principles with the imperative of maintaining financial stability. The complexities of default management and recovery procedures in Islamic finance are also explored, encompassing debt restructuring, arbitration, and Sharia-compliant debt recovery mechanisms. This research combines quantitative analysis and qualitative investigation to understand Indonesian Islamic banking comprehensively. The findings offer valuable insights into the intricate landscape of credit risk within Islamic finance, with broader implications for the global industry.
INNOVATIVE FINANCIAL STRATEGIES FOR LONG-TERM BUSINESS SUSTAINABILITY Loso Judijanto; Ellyta; Alfiana
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 1 No. 8 (2024): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

Innovative and sustainable financial management is a necessity for that want to survive and grow in the long term. The research method undertaken in this study is the study of literature by looking for literature related to the title of the investigation. Research finds that innovative financial strategies can be used to long-term business sustainability Through income diversification, prudent debt management, investment in R&D, partnerships, and the use of financial technology, companies can improve their financial stability and remain adaptable to changing business environments. In implementing this strategy, companies need to consider internal and external factors to long-term success.
FLASHBACK FINANCE: DEVELOPING A STRATEGY FOR BUSINESS SUSTAINABILITY Yofi Syarkani; Alfiana; Abdul Munim Al Basmeleh
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 1 No. 11 (2024): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

A business continuity strategy is a collection of organizational objectives, guidelines, plans, and initiatives with the goal of spotting market possibilities, maintaining the company, and generating revenue. Business sustainability strategy is part of business strategy and cannot be separated from the business model. To grow the business sustainably, companies must continue to evaluate their business strategies. Business strategy analysis is an important step in designing a viable business model, so that it has a lasting impact on business life. Businesses should have appropriate financial strategies and management to face changes in tough business strategies. Effective communication between the finance department and other departments is crucial for the implementation of financial management initiatives. To meet shared financial objectives, all departments within the firm must collaborate. Businesses may enhance performance, preserve financial stability, and guarantee long-term sustainability by putting suitable financial management techniques into practice. This research discusses the definition and principles of sustainability in a business context, financial approaches to maintaining and improving business sustainability, details of strategies adopted by businesses to ensure their sustainability, and a discussion of key findings that show the relationship between historical financial analysis and the development of sustainability strategies.
FINANCIAL RISK MANAGEMENT STRATEGIES FOR STARTUPS IN THE DIGITAL ERA Erwin; Teti Anggita Safitri; Alfiana; Mohd Syahrin
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 1 (2024): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

Financial Risk Management Strategy for Startups in the Digital Age is an integrated approach used by startup companies to identify, mitigate, and manage financial risks arising in a dynamic digital environment. The strategy includes developing realistic budgets and financial projections, investing in cybersecurity and insurance, and diversifying revenue. The aim is to increase the company's resilience to market fluctuations and digital threats, and achieve sustainable business growth. The study conducted in this research uses the literature research method. The results show that there are three main strategies that can help startups manage financial risks. First, realistic budgeting and financial projections help startups monitor expenses and identify funding needs at each stage of development. Second, investing in adequate cybersecurity and insurance is crucial to protect business and customer data from digital threats and reduce potential financial losses due to data breaches or system failures. Thirdly, revenue diversification helps startups to be more resilient to market fluctuations, allowing companies to be more adaptive and proactive in managing risks.
Co-Authors A Ratna Sari Dewi Abdul Basir Abdul Munim Al Basmeleh Achmad Abdul Azis Adi Suroso Adindah Novihartina Jafar Adiningrat, Andi Arifwangsa Adzirah Muzaffirah Al-Amin Amiruddin Amiruddin Andi Anggi Kemalasari Andi Anggi Kemalasari Andi Primafira Bumandava Eka Aprih Santoso Ardiani Ika Sulistyawati Ari Purwanti Arif Budiarto Asfahani Asfahani Azmi Syarif Bambang Baren Sipayung Butar Butar, Ribka Sari Chairil Akhyar Christine Riani Elisabeth Dede Gustian Dede Hertina Dewi Rachmania Dini Mardiani Dwihandoko, Toto Heru Eko Budi Lestari Ellyta Ellyta Eris Sudarisman Erwin Erwina Kartika Devi Eva Purnamasari Eva Yuniarti Utami Fadila Almahdali Fajriani Azis Fajriani Azis Farida Farida Farini Limbong Fitriansyah Fitriansyah Fredy Olimsar Frits Oscar Fanggidae H. Qur’ani Noor Hakim Hakim Hariandy Hasbi Helin G Yudawisastra Heny Herawati Herawati Herawati Heri Setiawan Hermiyetti Hermiyetti Hesty Erviani Zulaecha Humaidah Muafiqie I KADEK WIRA DHARMA PRAYANA Irma M Nawangwulan Irwan Moridu Iwan Harsono Iwan S Seber Jemmy Christian Rakinaung Khoirul Umam Hasbiy Klemens Mere Klemens Mere Listiana Sri Mulatsih Liza Husnita Loso Judijanto Mahdi Mayndarto, Eko Cahyo MISMIWATI, MISMIWATI MISMIWATI Moh Rohim Suharyadi Mohamad Zulman Hakim Mohammad Gifari Sono Mohd Syahrin Muhamad Stiadi Muhammad Asir Muhammad Azizi Muhammad Azizi Muhammad Syafrie Muslim Nekky Rahmiyati Nersiwad Ngurah Pandji Mertha Agung Durya Ngurah Pandji Mertha Agung Durya Nuraisyiah Nuraisyiah Nuraisyiah Nuraisyiah Nurdjanah Hamid Nurhikmah Sibua Nurmawati Mambuhu Nurmawati Mambuhu Nurul Afifah Petrus Loo Puji Afriyeni Ratnawita Ratnawita Reza Fahlevi Lubis Rezki Akbar Norrahman Rianti Setyawasih Rihfenti Ernayani Rina Apriliani Rinovian Rais Rita Zulbetti Rustan Rustan Sahari Sahari Saiful Bahri Samsul Akmal Samuel PD Anantadjaya Selamat Muliadi sintesa, nika Siti Mardiana Sri Hastutik Sri Wahyuningsih Srifatmawati Ahmad Sudarmanto, Eko Sugiartiningsih Sukriyadi Sulastri Kakaly Sulistyo Budi Utomo Suparjiman Susilo Utomo Suwarsito Syamsuddin Syamsuddin Tanti Widia Nurdiani Teguh Setiawan Wibowo Teti Anggita Safitri, Teti Anggita Titin Hartini Tris Sudarto Umi Setyorini Ummu Kalsum Wasifah Hanim Wenny Desty Febrian Febrian Willson Gustiawan Yasir Maulana Yofi Syarkani Yuyu Ruhayu