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All Journal Journal Of Management Science (JMAS) Bantenese Jurnal Pengabdian Masyarakat Budimas : Jurnal Pengabdian Masyarakat Abdiformatika: Jurnal Pengabdian Masyarakat Informatika Journal of Social Research IJCOSIN : Indonesian Journal of Community Service and Innovation Jurnal Bisnis dan Kewirausahaan Safari : Jurnal Pengabdian Masyarakat Indonesia Journal of Management and Social Sciences Prosiding Seminar Nasional Teknologi Informasi dan Bisnis eProceedings of Management MDP Student Conference Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis SWAGATI: Journal of Community Service Journal of Digital Business Innovation Jurnal Pengabdian Masyarakat Manage Brilliant International Journal of Management and Tourism Journal of Society, Community and Business Development IJCOSIN : Indonesian Journal of Community Service and Innovation Fundamental and Applied Management Journal Jurnal Riset dan Inovasi Manajemen
Chusnul Maulidina Hidayat
Universitas Telkom
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Physics Public Health Social Sciences Transportation Other

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Penguatan Kelembagaan untuk Meningkatkan Kemandirian dan Daya Saing pada Kelompok Wanita Tani Sekar Wangi Desa Krajan Siti Muntahanah; Esti Ningrum; Yubiharto; Chusnul Maulidina Hidayat
Indonesian Journal of Community Service and Innovation Vol. 5 No. 2 (2025): Agustus 2025
Publisher : LPPM IT Telkom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20895/ijcosin.v5i2.9793

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memperkuat kelembagaan Kelompok Wanita Tani (KWT) Sekar Wangi di Desa Krajan sebagai upaya meningkatkan kemandirian dan daya saing kelompok dalam pengelolaan usaha tani jamur dan produk olahan jamur. Permasalahan yang dihadapi KWT meliputi lemahnya struktur organisasi, kurangnya kapasitas manajerial, dan keterbatasan jejaring pemasaran. Metode pelaksanaan meliputi pelatihan manajemen organisasi, pendampingan penyusunan rencana kerja kelompok, penguatan administrasi, serta fasilitasi kemitraan dengan pihak eksternal. Kegiatan juga dilengkapi dengan pembekalan strategi pemasaran dan pengelolaan usaha berbasis potensi lokal. Hasil pengabdian menunjukkan adanya peningkatan keterampilan anggota dalam mengelola organisasi, meningkatnya partisipasi dalam perencanaan dan pelaksanaan program, serta terbentuknya jejaring pemasaran yang lebih luas. Selain itu, KWT Sekar Wangi mampu menyusun rencana usaha berkelanjutan dan memperkuat posisi tawar produk di pasar lokal. Kesimpulannya, penguatan kelembagaan berkontribusi signifikan terhadap kemandirian kelompok dan menjadi landasan bagi peningkatan daya saing di masa depan.
Managerial Performance Analysis from a Financial Perspective as an Effort to Realize Sustainable BUMDes Governance Siti Muntahanah; Heru Cahyo; Chusnul Maulidina Hidayat
Journal of Social Research Vol. 4 No. 9 (2025): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v4i8.2711

Abstract

This study aims to analyze the influence of planning, accountability, and accounting information systems on the performance of Village-Owned Enterprises (BUMDes) in Banyumas Regency, as well as examine the role of internal control as a moderation variable. This study uses a quantitative approach with a survey method of 171 BUMDes spread across the Banyumas area. The data analysis technique was carried out using Structural Equation Modeling (SEM) with a Partial Least Square (PLS) approach. The results of the study show that planning, accountability, and accounting information systems have a positive and significant effect on the performance of BUMDes. In addition, internal control has been proven to moderate the relationship between the three independent variables on the performance of BUMDes, so that internal control can strengthen the positive influence of planning, accountability, and accounting information systems on the performance of BUMDes. The implications of this study show the importance of implementing a strong internal control system in supporting sustainable and accountable BUMDes governance.
Analisis Peran Financial Technology dalam Meningkatkan Keuangan Inklusif pada UMKM di Kabupaten Banyumas Chusnul Maulidina Hidayat; Lina Fatimah Lishobrina; Maliana Puspa Arum
Jurnal Riset dan Inovasi Manajemen Vol. 1 No. 2 (2023): Mei: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v1i2.963

Abstract

The development of information technology supported by the rapid use of the Internet has created a number of fintechs that will make it easier for people to access financial services digitally. The aim of this research is to know the role of fintech against financial inclusion in UMKM in Banyumas. This research uses the method of literature study, by exploring and examining the results of previous research findings. The results of this research explain that financial technology can have a positive impact in increasing inclusive finance on UMKM in Banyumas.
Financial Technology and Financial Literacy in Shaping Generation Z’s Stock Investment Intention: The Mediating Role of Risk Tolerance Chusnul Maulidina Hidayat; Kurnia Indah Sumunar
Fundamental and Applied Management Journal Vol. 4 No. 2 (2026): June
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v4i2.311

Abstract

The development of digital technology has significantly transformed the financial sector, particularly through Financial Technology (FinTech) innovations that facilitate public access to investment services. This phenomenon has also encouraged the participation of the younger generation, especially Generation Z, in stock investment within the capital market. However, the ease of access to technology is not always accompanied by an adequate understanding of investment concepts and risks, making financial literacy a crucial factor. In addition, psychological aspects such as risk tolerance also play an important role in influencing individual investment decisions. This research investigates how financial technology and financial literacy has an effect on Generation Z’s intention to invest in stocks, while considering risk tolerance as a moderating factor. The study adopts a quantitative research design and collects data through a survey distributed to Generation Z participants, with the collected data then being processed using Structural Equation Modeling with the Partial Least Squares approach. The results demonstrate that financial technology, financial literacy, and risk tolerance each have a positive and statistically significant effect on Generation Z’s stock investment intention. Furthermore, risk tolerance strengthens the effect between financial technology, financial literacy, and the intention to invest in stocks. These findings imply that improving financial literacy and maximizing the utilization of financial technology can encourage greater participation of Generation Z in stock market investment. Future studies are recommended to incorporate additional variables and involve a larger and more diverse group of respondents in order to provide more comprehensive insights.
Penguatan Literasi Keuangan dalam Mendukung Tata Kelola BUMDes yang Berkelanjutan di Desa Kemutug Lor Chusnul Maulidina Hidayat; Maliana Puspa Arum; Paradise
Jurnal Pengabdian Masyarakat Manage Vol. 7 No. 2 (2026): Agustus
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/manage.v7i2.5652

Abstract

Badan Usaha Milik Desa (BUMDes) memiliki peran penting sebagai penggerak ekonomi desa melalui pengelolaan unit usaha yang mendukung peningkatan kesejahteraan masyarakat. Namun demikian, pengelolaan BUMDes masih menghadapi berbagai tantangan, khususnya terkait rendahnya tingkat literasi keuangan, keterbatasan pemahaman mengenai tata kelola keuangan, pencatatan transaksi, penyusunan laporan keuangan sederhana, serta perencanaan keuangan usaha yang sistematis. Kondisi tersebut berpotensi memengaruhi tingkat akuntabilitas, efektivitas pengelolaan usaha, dan keberlanjutan operasional BUMDes. Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan literasi keuangan dan memperkuat tata kelola pengelolaan keuangan BUMDes di Desa Kemutug Lor melalui kegiatan edukasi, pelatihan, dan pendampingan berbasis praktik. Metode pelaksanaan dilakukan melalui beberapa tahapan, yaitu identifikasi kebutuhan mitra, penyusunan materi pelatihan, pelaksanaan sosialisasi mengenai pentingnya literasi keuangan, pelatihan pencatatan transaksi keuangan sederhana, penyusunan anggaran, pengelolaan arus kas, serta evaluasi tingkat pemahaman peserta. Sasaran kegiatan ini adalah pengelola dan pihak yang terlibat dalam operasional BUMDes Kemutug Lor. Hasil dari kegiatan ini meliputi meningkatnya pemahaman peserta mengenai pengelolaan keuangan yang efektif, meningkatnya kemampuan dalam menyusun pencatatan keuangan yang lebih sistematis dan akuntabel, serta tumbuhnya kesadaran terhadap pentingnya tata kelola keuangan yang transparan dalam mendukung keberlanjutan usaha desa. Dengan demikian, program ini mampu memperkuat kapasitas pengelolaan BUMDes Kemutug Lor sebagai instrumen pemberdayaan ekonomi masyarakat desa.
Basic Financial Recording Training for Batik Pringmas MSMEs in Banyumas Regency Kurnia Indah Sumunar; Chusnul Maulidina Hidayat; Muhammad Eka Purbaya; Joseph Alfred M Reyroso
SWAGATI : Journal of Community Service Vol. 4 No. 2 (2026): July
Publisher : Universitas AMIKOM Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24076/swagati.2026v4i2.2839

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting local economic growth and preserving regional cultural heritage. One of the MSMEs with significant cultural and economic potential is KUB Batik Pringmas in Banyumas Regency. However, the business group still faces challenges in financial management, especially in preparing systematic financial records and financial statements. This community service activity aimed to improve the participants’ understanding of basic financial recording and financial management. The activity was conducted through observation, lectures, discussions, and question-and-answer sessions. The training involved 20 batik artisans from KUB Batik Pringmas. The materials included basic accounting equations, financial statement components, cash flow management, and basic bookkeeping practices. The results showed that participants gained improved knowledge of basic financial management, improved skill to make basic financial statement, and improved motivation to record the transaction, with the average evaluation score increasing from 64.0% in the pretest to 83.6% in the posttest. Participants also demonstrated high enthusiasm during the activity despite language barriers because the material was delivered bilingually in Indonesian and English. Overall, the program contributed positively to improving financial literacy and strengthening financial management awareness among Batik Pringmas MSMEs.
Artificial Intelligence in E-commerce: The Impact of Consumer Behavior on Purchasing Decisions Maliana Puspa Arum; Silvia Van Marsally; Chusnul Maulidina Hidayat
Brilliant International Journal Of Management And Tourism Vol. 6 No. 1 (2026): Brilliant International Journal Of Management And Tourism
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v6i1.6573

Abstract

The development of Artificial Intelligence (AI) has made this technology a strategic component in e-commerce management through the transformation of digital marketing practices and consumer interactions. The application of AI enables companies to improve personalization, service efficiency, and the quality of consumer experiences through recommendation systems, chatbots, virtual agents, and AI-based content. This study aims to systematically examine the role of Artificial Intelligence in e-commerce and its impact on consumer behavior in the purchasing decision-making process. The research method used is a literature review with a qualitative descriptive approach to national and international journal articles published in the period 2019–2025. Selected articles are analyzed thematically to identify patterns of AI implementation, consumer behavioral responses, and their implications for purchasing decisions. The results of the study indicate that AI has a positive effect on consumer trust, satisfaction, and purchase intention by increasing information relevance, service speed, and marketing personalization. However, issues of data privacy, perceived authenticity, and limited empathy in AI-based interactions have the potential to affect consumer loyalty. Therefore, a hybrid approach that combines the sophistication of AI with human interaction is recommended to create a sustainable consumer experience in the e-commerce ecosystem.
The Effect of Financial Reporting Digitalization and Digital Financial Literacy on MSME Profitability in the Digital Transformation Era Kurnia Indah Sumunar; Muhammad Hilman Rusydie; Chusnul Maulidina Hidayat
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15452

Abstract

Digital transformation becoming more popular in financial management for Micro, Small, and Medium Enterprises (MSMEs), especially in the process of recording and reporting. The financial reporting digitalization enables faster, more accurate, and integrated output, which can enhance decision making in MSMEs. This research examines the effect of digital financial reporting and financial literacy to MSMEs profitability. Using a quantitative survey of 100 MSMEs owners and analyzed with multiple linear regression, this study found that digital financial reporting does not significantly effect on profitability, and financial literacy positively and significantly effect in profitability. This results recommend that adopting digital financial technology can improve business performance and the efficiency of financial reporting. MSME owners and policymakers should apply digital transformation.
Dampak Penggunaan Teknologi Keuangan dan Literasi Keuangan Digital terhadap Kinerja Keuangan UMKM dengan Kompetensi Digital sebagai Variabel Moderasi CHUSNUL MAULIDINA HIDAYAT; Alexandro Damar Tirta; Kurnia Indah Sumunar
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15504

Abstract

The development of digital technology encourages the use of Financial Technology (FinTech) as a strategy to improve the financial performance of Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the effect of the use of Financial Technology and digital financial literacy on the financial performance of MSMEs with digital competence as a moderating variable. This study uses a quantitative approach with a survey method on MSMEs that have used FinTech services. Data were collected through a structured questionnaire using a Likert scale and analyzed using multiple linear regression analysis. The results show that the use of Financial Technology has a positive and significant influence on the financial performance of MSMEs. Conversely, digital financial literacy does not significantly influence the financial performance of MSMEs. Digital competence is not proven to moderate the influence of the use of Financial Technology or digital financial literacy on the financial performance of MSMEs, but has a positive and significant direct influence on the financial performance of MSMEs. This study emphasizes the importance of utilizing FinTech and strengthening practical digital competence in improving the financial performance of MSMEs in the digital economy era.
Analisis Adopsi E-commerce di Indonesia: Strategi Digitalisasi untuk Pelaku Usaha (2019-2021) Bayu Satrio Wibowo; Raihan Marzo Yudhistira; Rivky Evandeto Teguh Afandy; Bella Okta Sari Miranda; Chusnul Maulidina Hidayat
Prosiding Seminar Nasional Teknologi Informasi dan Bisnis Prosiding Seminar Nasional Teknologi Informasi dan Bisnis (SENATIB) 2026
Publisher : Fakultas Ilmu Komputer Universitas Duta Bangsa Surakarta

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

Abstract

Perkembangan teknologi digital dan pandemi COVID-19 telah mendorong percepatan transformasi digital pada berbagai sektor usaha, termasuk adopsi e-commerce oleh pelaku usaha di Indonesia. Namun, tingkat pemanfaatan e-commerce masih menunjukkan variasi antar wilayah dan menghadapi berbagai hambatan dalam implementasinya. Penelitian ini bertujuan untuk menganalisis tingkat adopsi e-commerce di Indonesia periode 2019–2021, mengidentifikasi faktor-faktor yang memengaruhi penggunaannya, serta merumuskan strategi digitalisasi bagi pelaku usaha. Penelitian menggunakan data sekunder dari publikasi Statistik E-Commerce Indonesia yang diterbitkan oleh Badan Pusat Statistik (BPS). Metode yang digunakan meliputi proses ETL (Extract, Transform, Load), analisis deskriptif, dan visualisasi data menggunakan Power BI. Hasil penelitian menunjukkan bahwa tingkat adopsi e-commerce masih relatif rendah, dengan hanya 36,14% pelaku usaha yang telah menggunakan e-commerce, sementara 63,86% lainnya masih berjualan secara konvensional. Alasan utama tidak menggunakan e-commerce adalah kenyamanan berjualan secara offline, rendahnya minat berjualan online, serta keterbatasan pengetahuan dan keterampilan digital. Analisis juga menunjukkan adanya kesenjangan adopsi antar provinsi, di mana DI Yogyakarta memiliki tingkat adopsi tertinggi dan Maluku Utara terendah. Selain itu, terjadi peningkatan signifikan adopsi e-commerce pada tahun 2020 akibat pandemi COVID-19. Instagram menjadi platform penjualan yang paling banyak digunakan, sedangkan metode pembayaran Cash on Delivery (COD) masih mendominasi transaksi digital. Hasil penelitian menunjukkan bahwa pengembangan e-commerce di Indonesia memerlukan peningkatan literasi digital, penguatan infrastruktur teknologi, perluasan akses internet, serta kolaborasi antara pemerintah, platform digital, dan pelaku usaha untuk mempercepat transformasi digital dan meningkatkan daya saing UMKM. Kata Kunci: Adopsi E-commerce, Digitalisasi Usaha, Transformasi Digital, Ekonomi Digital
Co-Authors Adi Nugroho, Irfan Afif Darmawan, Defandi Ahmad Fahreza Alexandro Damar Tirta Aswan Munang Azzam, Abyan Naufal Bayu Satrio Wibowo Bella Okta Sari Miranda Chlorita, Stania Esti Ningrum Gilbryan Ibrahim, Ramadhan Graciela Putri Wengkau Heru Cahyo Imam Adiyana Irfan, M.Dzakki Irwan Susanto Joseph Alfred M Reyroso Kurnia Indah Sumunar Lina Fatimah Lishobrina Livia Irene Widianty Magdalena BR Pasaribu, Ichanita Maliana Puspa Arum Marsally, Silvia Van Maulid, Dhijar Mevadianti, Ersya MIFTAHOL ARIFIN, MIFTAHOL Muhammad Eka Purbaya Muhammad Hilman Rusydie Muntahanah, Siti Munthe, Adrian Wismar Pambudi, Muhammad Rizki Paradise Pasaribu, Yulia Rahman Prasetyo Budi Wicaksana Prasetyo Hartanto Raihan Marzo Yudhistira Randikaparsa, Irawan Ratih Windu Arini Rezky Ramadhan B.K, Muh Putra Rivky Evandeto Teguh Afandy Roshita Amalina Selin Lestari Br Karo Silvia Van Marsally Wijanarko, Ramafaiz Yubiharto Yusrina, Farah