Garuda - Garba Rujukan Digital

ANALYSIS OF THE PERCEPTION OF THE MILLENNIAL GENERATION'S INTEREST IN THE PROCESS OF USING M-BANKING AFTER REBRANDRING Sari, Dessy Handa; Khairiyah, Nurul Musfirah; Surono, Prasetyo Indra; Dharmawan, Ida Bagus
JURNAL MANAJEMEN MAKER STIE SULTAN AGUNG Vol 10 No 2 (2024): Volume 10 Nomor 2 Tahun 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/mjm.v10i2.703

Human life is greatly influenced by the advancement of information technology. In the midst of a shift in people's lifestyles, banking businesses are turning to services that have a digital basis to increase industry competition and obtain potential target markets. To make transactions easier for customers, internet banking, SMS banking, mobile banking, automatic teller machines, and electronic data capture are some of the services provided. This resulted in an increase in revenue based on costs (Otoritas Jasa Keuangan, 2015) Currently, many banks are rebranding in M-Banking, The purpose of this study is to find out the influence of the convenience, benefits, attitudes and behavioral control of the millennial generation on the decision to use mobile banking services through interest after rebranding. The main data for this study comes from millennial customers who use mobile banking who have rebranded. Smart PLS 3.0 software is used to analyze Partial Least Square (PLS) data

Penerapan Teknologi Composting Ember Tumpuk Dan Digital Marketing UMKM Pada RT. 38 Kelurahan Teritip Musfirah Khairiyah, Nurul; Apriani, Endang Sri; Handa Sari, Dessy; Lulu Agustin, Kety; Rahmawati, Patria; Zulkifli, Zulkifli
Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Vol 8, No 3 (2025): Juli 2025
Publisher : STMIK Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurdimas.v8i3.3921

Based on the results of initial observations, two main problems faced by the target community were found, namely the high volume of unmanaged kitchen waste and the lack of digital marketing knowledge in household businesses. These problems were brought to be analyzed in order to determine the form of problem-solving. The results of the analysis of the observation of this activity were that the organizers provided training in managing organic waste from household activities and training related to digital marketing. This training was practiced directly and provided with adequate equipment as a form of facilitating the community's steps. The training also provided digital marketing material by credible speakers and continued with direct practice. This activity increased knowledge and skills, and the community became empowered to implement sustainable solutions that were beneficial for their households and the wider community. The importance of waste management is how the waste is processed into useful compost so that every daily cooking activity in residents' homes does not have an impact on waste accumulation. Meanwhile, the delivery of digital marketing materials provides references to applications and sites that can be used to expand the network of businesses run by residents. By integrating this strategy, residents can not only improve their living conditions but also make a positive contribution to the ecosystem in the community.Keywords: waste management; digital marketing; UMKM Abstrak: Berdasarkan hasil observasi awal, ditemukan dua permasalahan utama yang dihadapi masyarakat sasaran, yaitu tingginya volume sampah dapur yang tidak terkelola dan kurangnya pengetahuan pemasaran digital dalam usaha rumah tangga. Permasalahan ini dibawa untuk dianalisis guna mengetahui bentuk penyelesaian masalah. Hasil analisis dari observasi kegiatan ini adalah penyelenggara memberikan pelatihan pengelolaan sampah organik dari kegiatan rumah tangga dan pelatihan terkait pemasaran digital. Pelatihan ini dipraktikkan secara langsung dan diberikan perlengkapan yang memadai sebagai bentuk kemudahan langkah masyarakat. Pelatihan juga disampaikan materi pemasaran digital oleh narasumber yang kredibel dan dilanjutkan dengan praktik langsung. Kegiatan ini menambah pengetahuan dan keterampilan serta masyarakat menjadi berdaya untuk menerapkan solusi berkelanjutan yang bermanfaat bagi rumah tangganya maupun masyarakat luas. Pentingnya pengelolaan sampah adalah bagaimana sampah tersebut diolah menjadi kompos yang bermanfaat sehingga setiap kegiatan memasak sehari-hari di rumah warga tidak berdampak pada penumpukan sampah. Sedangkan penyampaian materi pemasaran digital memberikan referensi aplikasi dan situs yang dapat digunakan untuk memperluas jaringan usaha yang dijalankan warga. Dengan mengintegrasikan strategi ini, warga tidak hanya dapat meningkatkan kondisi kehidupan mereka tetapi juga memberikan kontribusi positif terhadap ekosistem di masyarakat.Kata kunci: pengelolaan sampah; digital marketing; UMKM

Penerapan Teknologi Composting Ember Tumpuk Dan Digital Marketing UMKM Pada RT. 38 Kelurahan Teritip Musfirah Khairiyah, Nurul; Apriani, Endang Sri; Handa Sari, Dessy; Lulu Agustin, Kety; Rahmawati, Patria; Zulkifli, Zulkifli
Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Vol. 8 No. 3 (2025): Juli 2025
Publisher : STMIK Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurdimas.v8i3.3921

Based on the results of initial observations, two main problems faced by the target community were found, namely the high volume of unmanaged kitchen waste and the lack of digital marketing knowledge in household businesses. These problems were brought to be analyzed in order to determine the form of problem-solving. The results of the analysis of the observation of this activity were that the organizers provided training in managing organic waste from household activities and training related to digital marketing. This training was practiced directly and provided with adequate equipment as a form of facilitating the community's steps. The training also provided digital marketing material by credible speakers and continued with direct practice. This activity increased knowledge and skills, and the community became empowered to implement sustainable solutions that were beneficial for their households and the wider community. The importance of waste management is how the waste is processed into useful compost so that every daily cooking activity in residents' homes does not have an impact on waste accumulation. Meanwhile, the delivery of digital marketing materials provides references to applications and sites that can be used to expand the network of businesses run by residents. By integrating this strategy, residents can not only improve their living conditions but also make a positive contribution to the ecosystem in the community.Keywords: waste management; digital marketing; UMKM Abstrak: Berdasarkan hasil observasi awal, ditemukan dua permasalahan utama yang dihadapi masyarakat sasaran, yaitu tingginya volume sampah dapur yang tidak terkelola dan kurangnya pengetahuan pemasaran digital dalam usaha rumah tangga. Permasalahan ini dibawa untuk dianalisis guna mengetahui bentuk penyelesaian masalah. Hasil analisis dari observasi kegiatan ini adalah penyelenggara memberikan pelatihan pengelolaan sampah organik dari kegiatan rumah tangga dan pelatihan terkait pemasaran digital. Pelatihan ini dipraktikkan secara langsung dan diberikan perlengkapan yang memadai sebagai bentuk kemudahan langkah masyarakat. Pelatihan juga disampaikan materi pemasaran digital oleh narasumber yang kredibel dan dilanjutkan dengan praktik langsung. Kegiatan ini menambah pengetahuan dan keterampilan serta masyarakat menjadi berdaya untuk menerapkan solusi berkelanjutan yang bermanfaat bagi rumah tangganya maupun masyarakat luas. Pentingnya pengelolaan sampah adalah bagaimana sampah tersebut diolah menjadi kompos yang bermanfaat sehingga setiap kegiatan memasak sehari-hari di rumah warga tidak berdampak pada penumpukan sampah. Sedangkan penyampaian materi pemasaran digital memberikan referensi aplikasi dan situs yang dapat digunakan untuk memperluas jaringan usaha yang dijalankan warga. Dengan mengintegrasikan strategi ini, warga tidak hanya dapat meningkatkan kondisi kehidupan mereka tetapi juga memberikan kontribusi positif terhadap ekosistem di masyarakat.Kata kunci: pengelolaan sampah; digital marketing; UMKM

Investment Literacy in Personal Financial Management Planning for Students of Brawijaya University Endang Sri Apriani; Kety Lulu Agustin; Anisya Sukmawati; Dessy Handa Sari; Nurul Musfirah Khairiyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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

Control over the consumptive behavior of students in the coffee shop era. This drives students to incur more expenses as a form of existence, but it can also be a positive thing if the gatherings can be measured and discussed financially. This research examines how students who have acquired knowledge about investments manage their consumption levels towards good financial planning. The research findings indicate that students who understand finance are better able to control their consumption desires and tend to invest. Students also plan to be disciplined in investing. Thus, the financial education they receive in their studies has a positive impact on managing their consumption desires and tends to lead to more effective investment in financial planning.

The Accuracy of Using the Moving Average Cross Indicator in Technical Analysis of Indonesian Banking Stocks Endang Sri Apriani; Kety Lulu Agustin; Dessy Handa Sari; Nurul Musfirah Khairiyah
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 19, No 1: January - April 2026
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v19i1.34091

One popular technique for financial decision-making is the moving average cross. This indicator provides signals about future stock price movements. However, the accuracy of this indicator's signals will be evaluated specifically on banking stocks listed on the Indonesia Stock Exchange. Thirty Indonesian banking companies listed on the main trading board in 2026 were selected as the research stocks. A purposive sampling procedure was used to select the research subjects, with issuers on the main board having assets exceeding 100 billion Rupiah and having been listed on the market for at least three years. Issuers on the main board are considered large issuers and can attract investors' attention. The signals provided by the 30 research subjects will then be tested using logistic regression techniques using SPSS. This approach works well for research using moving averages that have been converted into dummy data. Statistical test results indicate that the moving average cross movement is insufficient to decide which banking stocks to purchase; only 46.67% of the signals from the moving average move in accordance with the signal. More comprehensive indicators in technical analysis can be added to the analysis to make decisions and pay attention to the fundamental level of the emiten.

The Influence of Ease, Security, and Benefits on the Decision to Use QRIS Payments in the Digital Era among Generation Z Nada Khairiah; Dessy Handa Sari; Ramli Ramli
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 15 No. 1: Desember 2025
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v15i1.17447

This study aims to analyze the influence of ease, security, and perceived benefits on the decision to use the Quick Response Code Indonesian Standard (QRIS) as a digital payment method among Generation Z in Penajam Paser Utara in 2025. The background of this research is the increasing adoption of digital technology in economic activities, including non-cash payment systems. QRIS is considered an efficient, secure, and practical solution to support the cashless lifestyle, especially among the younger generation. A quantitative approach was employed using a survey method involving 344 Generation Z respondents. Data were analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0 software. The results show that ease of use, security, and perceived benefits have a significant influence on the decision to use QRIS. Key driving factors include transaction simplicity, data security perceptions, and the perceived usefulness of QRIS in improving efficiency. These findings emphasize the importance of technological innovation in financial services and highlight the need for education and development of digital payment systems that are easy, safe, and beneficial, in order to improve financial inclusion in Indonesia. Keywords: QRIS; Ease; Security; Perceived Benefits; Generation Z; Digital Payment

Bahasa Inggris Siti Nurfijriyah; Dessy Handa Sari; Mahsun
Indonesian Journal of Applied Accounting and Finance Vol. 6 No. 1 (2026): June
Publisher : P3M Politeknik Negeri Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31961/ijaaf.v6i1.15744

This study aims to analyze the effect of Return on Equity (ROE), Debt to Equity Ratio (DER), and Earning per Share (EPS) on stock prices in banking companies listed on the Indonesia Stock Exchange (IDX). The background of this study is based on the importance of stock prices as an indicator of company value that investors pay attention to in making investment decisions. Information contained in financial ratios, such as profitability, capital structure, and earnings per share, can provide signals regarding the condition and prospects of the company, thereby influencing stock price movements. This study uses a quantitative approach with secondary data obtained from the financial statements of banking companies listed on the Indonesia Stock Exchange. The research sample was determined using a purposive sampling technique according to predetermined criteria. Data analysis was carried out using multiple linear regression methods with the help of the SPSS program. The results of the study indicate that Return on Equity (ROE) has a negative effect on stock prices, Debt to Equity Ratio (DER) has a negative effect on stock prices, while Earning per Share (EPS) has a positive effect on stock prices. These results indicate that increasing earnings per share provides a positive signal to investors, driving up stock prices. Meanwhile, ROE and DER exhibit an inverse relationship with stock prices in banking companies during the study period. This research is expected to serve as a reference for investors considering financial ratios before making investment decisions, and for companies seeking to improve their financial performance

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