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All Journal EconBank : Journal Economics and Banking Jurnal Layanan Masyarakat (Journal of Public Service) Jurnal Pengabdian kepada Masyarakat Nusantara Arus Jurnal Sosial dan Humaniora Jurnal REP (Riset Ekonomi Pembangunan) Jurnal Inovasi Bisnis Indonesia (JIBI) Lingkar Ekonomika: Jurnal Ilmu Ekonomi dan Studi Pembangunan The International Journal of Financial Systems
Ajeng Faizah Nijma Ilma, Ajeng Faizah Nijma
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Financial and Digital Literacy: Their Impact on Interest Use of QRIS and Entrepreneurial Behavior anggraeni, oki; Puspasari, Elsa; Ilma, Ajeng Faizah Nijma; Fatimah, Siti
EconBank: Journal of Economics and Banking Vol 7 No 1 (2025): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v7i1.497

Abstract

The Quick Response Code Indonesia Standard QRIS service has supported payments from bank and non-bank providers used in the community. This payment system through QRIS can not only be done in malls or large shopping centers but can also be used in stalls, tourist attractions, even traditional markets or traditional markets if they already use the QRIS logo. Pasar Manis Purwokerto was the location of the study with 49 respondents. The analysis technique used was multiple linear regression analysis. The results of the study showed that financial literacy, digital literacy and the use of the QRIS application had a positive and significant influence on entrepreneurial behavior. Digital literacy is the most dominant variable in influencing entrepreneurial behavior in the Pasar Manis Purwokerto.
Efisiensi vs. Kualitas: Evaluasi Kebijakan Anggaran Pendidikan dalam Pemerintahan Prabowo Ilma, Ajeng Faizah Nijma; Prabandari, Anandhiya Intan
Lingka Ekonomika Vol 4 No 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jle.v4i1.15823

Abstract

Penelitian ini mengevaluasi dampak kebijakan efisiensi anggaran pendidikan yang diterapkan pada masa pemerintahan Presiden Prabowo terhadap kualitas pendidikan, kesejahteraan tenaga pengajar, dan aksesibilitas pendidikan tinggi di Indonesia. Sebelum kebijakan ini diberlakukan, sektor pendidikan nasional sudah menghadapi tantangan seperti keterbatasan fasilitas, rendahnya kesejahteraan pendidik, dan tingginya biaya pendidikan. Melalui pendekatan kualitatif yang mencakup wawancara mendalam, studi kasus, dan observasi lapangan, penelitian ini menemukan bahwa pemangkasan anggaran memperburuk kualitas pembelajaran, meningkatkan beban kerja pendidik, menaikkan biaya pendidikan tinggi, serta memperlebar kesenjangan akses pendidikan. Analisis tematik mengungkapkan ketimpangan sistemik antar perguruan tinggi, dilema keberlanjutan pembiayaan, dan krisis kesejahteraan tenaga pendidik. Penelitian ini menegaskan bahwa kebijakan efisiensi tanpa mitigasi sosial berisiko menghambat pembangunan sumber daya manusia dan menurunkan daya saing pendidikan Indonesia secara global. Rekomendasi yang diberikan meliputi penerapan alokasi anggaran berbasis kinerja, diferensiasi pendanaan, dan penguatan kolaborasi publik-swasta untuk keberlanjutan sektor pendidikan.
Participatory Rural Appraisal Dalam Perancangan Kegiatan Budidaya Padi Organik Di Kelurahan Sumpiuh Kabupaten Banyumas Zulkifli, Lutfi; Rachmah, Malinda Aptika; Ilma, Ajeng Faizah Nijma; Budiyoko, Budiyoko
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1 (2025): Jurnal Pengabdian kepada Masyarakat Nusantara Edisi Januari - Maret
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i1.5389

Abstract

The Sumpiuh organic farmers association (Gatos) was a group of farmers committed to cultivating organic rice in Sumpiuh Village, Banyumas Regency. The group was established in 2021 at the initiative of the Sumpiuh Village Head, recognizing the potential market and development opportunities for organic rice in the region. However, the development of organic rice farming in Sumpiuh faced several challenges, including farmers' limited knowledge, the availability of organic fertilizers, and suboptimal product marketing. This community service activity was conducted to identify key issues and design solutions for organic rice cultivation through a participatory approach. The approach utilized was participatory rural appraisal conducted through focus group discussions. Results: The identified issues included land availability, community participation, access to organic farming inputs, and organic rice marketing. The planned activities involved the development of organic rice demonstration plots, organic certification training, and improvements in packaging and digital marketing. The participatory approach, implemented through focus group discussions, successfully enhanced farmer engagement and participation in assessing the challenges they faced and formulating solutions through concrete activities to address these issues.
BOOSTING ORGANIC RICE FARMER COMPETENCY THROUGH ORGANIC PESTICIDE PRODUCTION TRAINING IN SUMPIUH VILLAGE BANYUMAS DISTRICT Zulkifli, Lutfi; Soesanto, Loekas; Rachmah, Malinda Aptika; Ilma, Ajeng Faizah Nijma; Budiyoko, Budiyoko
Jurnal Layanan Masyarakat (Journal of Public Services) Vol. 9 No. 3 (2025): JURNAL LAYANAN MASYARAKAT
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/.v9i3.2025.383-394

Abstract

The Gatos Farmers Group in Sumpiuh Village, Banyumas District, has consistently cultivated organic rice over the past two years. This initiative was driven by awareness of the negative impacts of conventional rice farming, particularly the use of chemical inputs, on both the environment and human health. As part of the support provided to the organic rice cultivation efforts of the Gatos Farmers Group, this community service program involved organic pesticide production training and pratice, aimed to enhance farmers' knowledge and equip them with technical skills to produce organic pesticides using natural materials readily available in their surroundings. The training began with participatory planning, followed by lectures on the subject, and continued with hands-on practice in making organic pesticides. The training successfully improved farmers' knowledge of organic pesticides, as evidenced by the increase in post-test scores compared to pre-test scores, further validated through statistical testing using a paired sample t-test. Post-training monitoring indicates that members of the Gatos Farmers Group have adopted organic pesticide production and applied it to their rice farming.
ANALYSIS OF MEASUREMENT MODELS FOR THE GOVERNMENT SPENDING QUALITY AND ACHIEVEMENT OF SUSTAINABLE DEVELOPMENT GOALS (SDGs) Darma, Amdi Veri; Fauzi, Pahrul; Alfarisy, M. Farid; Arifin, Agus; Firdauzi, Indrawan; Ilma, Ajeng Faizah Nijma
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 8 No. 2 (2023): Oktober 2023
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v8i2.1077

Abstract

The absence of quality spending become the main reason for government failed to provide multiplier in achieving its economic objectives. The phenomenon of budgetary slack will be likely to occur if there is no any standard to control government expenditure's success. This study aims to provide a method to identify the effectiveness of government budget by Comparing Sustainable Development Indicators as outcome and government expenditure relative to its economy as output. We also measure the rasio of government expenditure to its revenue sources as indicators of budget efficiency. Using 2021 data of SDGs indicators and government budget (both at central and regional or province government level) we found that both at the national and regional levels, the spending had been quite effective. Meanwhile for the level of budget efficiency, the central government is quite efficient, while some of regional governments were not.
Analisis Pengaruh Produk Domestik Regional Bruto, Pengeluaran Pemerintah Bidang Pendidikan dan Kesehatan terhadap Indeks Pembangunan Manusia di Provinsi Papua Tahun 2018-2022 Habib, Ikhsan Khoirul; Binardjo, Goro; Badriah, Lilis Siti; Ilma, Ajeng Faizah Nijma; Wijaya, Hutama
Arus Jurnal Sosial dan Humaniora Vol 5 No 3: Desember (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i3.1503

Abstract

Penelitian ini di latar belakangi oleh pentingnya peran manusia dalam proses pembangunan. Peningkatan kualitas hidup manusia tercermin dari indeks pembangunan manusia. Provinsi Papua merupakan provinsi dengan nilai indeks pembangunan manusia yang paling rendah dibandingkan dengan provinsi lainnya di indonesia. Penelitian ini bertujuan untuk menganalisis pengaruh variabel independen yaitu produk domestik regional bruto, pengeluaran pemerintah di bidang pendidikan dan kesehatan terhadap variabel dependen yaitu indeks pembangunan manusia. Alat analisis yang digunakan dalam penelitian ini yaitu analisis regresi data panel. Hasil penelitian menunjukkan bahwa secara parsial produk domestik regional bruto berpengaruh positif dan signifikan terhadap indeks pembangunan manusia, pengeluaran pemerintah bidang pendidikan berpengaruh positif dan signifikan terhadap indeks pembangunan manusia, pengeluaran pemerintah bidang kesehatan berpengaruh positif dan signifikan terhadap indeks pembangunan manusia. Secara simultan produk domestik regional bruto, pengeluaran pemerintah bidang pendidikan dan kesehatan berpengaruh signifikan terhadap indeks pembangunan manusia.
PENGARUH TENAGA KERJA EKONOMI KREATIF DAN PERSENTASE PENGGUNAAN INTERNET TERHADAP PDRB 34 PROVINSI DI INDONESIA TAHUN 2022-2023 Sandi, sherlitha; Anjani, Salsabila; Aulia, Salsabila; Firdaus, Anzar Alfat; Ilma, Ajeng Faizah Nijma
Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 3 No. 2 (2025): December
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jibi.v3i2.146

Abstract

ABSTRAK Di era digital sekarang, kreativitas dan inovasi didukung oleh tenaga kerja kreatif serta akses teknologi memungkinkan produk dan jasa kreatif menjangkau pasar lebih luas, meningkatkan daya saing, serta mendorong peningkatan output ekonomi. Penelitian ini bertujuan menganalisis pengaruh tenaga kerja ekonomi kreatif dan persentase penduduk yang mengakses internet terhadap PDRB provinsi di Indonesia. Penelitian menggunakan metode regresi data panel dengan observasi 34 provinsi selama periode 2022-2023. Hasil analisis menunjukkan bahwa kedua variabel berpengaruh positif dan signifikan terhadap PDRB, yang berarti peningkatan jumlah tenaga kerja kreatif serta perluasan akses internet mampu memperkuat kinerja ekonomi dearah. Temuan ini mengimplikasikan perlunya pengembangan ekosistem kretaif dan penguatan infrastruktur digital. Penelitian ini menyimpulkan bahwa tenaga kerja kreatif dan akses internet merupakan pendorong pertumbuhan ekonomi regional, serta menyarankan peningkatan keterampilan tenaga kerja, pemerataan akses internet, dan perluasan variabel serta periode data untuk penelitian selanjutnya. Kata Kunci: PDRB, Ekonomi_Kreatif, Tenaga_Kerja_Kreatif, Internet, Data_Panel ABSTRACT In today's digital age, creativity and innovation are supported by a creative workforce and access to technology, enabling creative products and services to reach a wider market, increase competitiveness, and drive economic growth. This study examines the effect of creative economy labor and internet access on the GRDP of Indonesian provinces. Using panel data regression for 34 provinces during 2022–2023. the results show that both variables have a positive and significant impact on GRDP, indicating that expanding creative labor and internet access strengthens regional economic performance. These findings imply the need to develop creative economy ecosystems and improve digital infrastructure. The study concludes that creative labor and internet access drive regional economic growth and recommends enhancing workforce skills, expanding internet access, and extending data coverage and variables in future research. Keywords: GRDP, Creative_Economy, Creative_Labor, Internet, Panel_Data
Optimizing Strategic Economic Pillars for National Resilience: A Study on the Impact of Trump’s 19% Tariff on Indonesia’s Economic Stability Zahra, Khalista Arintyas; Kautsar, Farah Amilya; Ilma, Ajeng Faizah Nijma
The International Journal of Financial Systems Vol. 3 No. 2 (2025)
Publisher : Otoritas Jasa Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61459/ijfs.v3i2.94

Abstract

As a global superpower, the United States plays a dominant role in international political and economic dynamics. The election of Donald Trump in 2017, under the “Make America Great Again” agenda, marked a shift toward protectionist trade policies, including higher import tariffs, in response to China’s rapid economic rise, triggering the U.S.–China trade war. Although U.S. import tariffs were subsequently reduced from 32% to 19%, they continued to pose risks to economic stability in developing countries, including Indonesia. This study employs a mixed-methods approach combining qualitative analysis and quantitative tools—SWOT, Internal–External Factor Evaluation (IFE–EFE), and the Analytic Hierarchy Process (AHP) to examine the impact of the trade war on Indonesia’s economic stability and to formulate a prioritized strategic policy mix. The results indicate that strengthening national economic resilience requires a balanced inward- and outward-looking strategy, including export-oriented industrial downstreaming supported by TKBI policies, export market diversification through RCEP and IEU–CEPA partnerships, enhanced utilization of domestic products (P3DN), and the implementation of Local Currency Settlement (LCS). The findings suggest that enhancing economic resilience in developing countries facing protectionist trade shocks requires a coordinated policy mix integrating trade, industrial, monetary, and financial stability policies, while highlighting the strategic role of financial authorities in mitigating transmission risks from global trade disruptions to the domestic financial system.
Co-Authors Agus Arifin, Agus Alfarisy, M. Farid Anggraeni, Oki Anjani, Salsabila Aulia, Salsabila Badriah, Lilis Siti Binardjo, Goro Budiyoko, Budiyoko Darma, Amdi Veri Elsa Puspasari, Elsa Fatimah, Siti Fauzi, Pahrul Firdaus, Anzar Alfat Habib, Ikhsan Khoirul Indrawan Firdauzi Kautsar, Farah Amilya Loekas Soesanto Prabandari, Anandhiya Intan Sandi, sherlitha Wijaya, Hutama Zahra, Khalista Arintyas Zulkifli, Lutfi