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All Journal Jurnal Riset Akuntansi dan Bisnis JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Journal of Economic, Bussines and Accounting (COSTING) JURNAL PENELITIAN PENDIDIKAN SOSIAL HUMANIORA Owner : Riset dan Jurnal Akuntansi KITABAH: Jurnal Akuntansi dan Keuangan Syariah JURNAL PENDIDIKAN TAMBUSAI Unes Law Review AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Procuratio : Jurnal Ilmiah Manajemen Kajian Akuntansi Bahastra: Jurnal Pendidikan Bahasa dan Sastra Indonesia JURNAL MUTIARA AKUNTANSI International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JURNAL PENELITIAN PENDIDIKAN BAHASA DAN SASTRA JURNAL PENELITIAN PENDIDIKAN SOSIAL HUMANIORA JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Akuntansi Bisnis Eka Prasetya : Penelitian Ilmu Akuntansi SOSEK: Jurnal Sosial dan Ekonomi JPM: JURNAL PENGABDIAN MASYARAKAT Bisnis Net : Jurnal Ekonomi dan Bisnis Journal of Social Responsibility Projects by Higher Education Forum Jurnal Muhammadiyah Manajemen Bisnis (JMMB) International Journal of Educational Review, Law And Social Sciences (IJERLAS) Akuntansi Prima Indo-MathEdu Intellectuals Journal International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) JRAM (Jurnal Riset Akuntansi Multiparadigma) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia Jurnal Multidisiplin Madani (MUDIMA) Indonesian Journal of Business Analytics (IJBA) Comsep : Jurnal Pengabdian Kepada Masyarakat Journal of Trends Economics and Accounting Research National Conference on Applied Business, Education & Technology (NCABET) International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Worksheet : Jurnal Akuntansi All Fields of Science Journal Liaison Academia and Sosiety International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI) Journal of Community Empowerment Studi Multidisipliner: Jurnal Kajian Keislaman AJCD
Ovami, Debbi Chyntia
Universitas Muslim Nusantara Al-Washliyah
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OPTIMIZING THE ROLE OF SHARED VISION AND HUMAN CAPITAL IN THE ERA OF CHANGE Anggia Sari Lubis; Hardi Mulyono; Khalid Abdul Wahid; Mohd Nasir Ismail; Debbi Chyntia Ovami; Kartika
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 5 (2024)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i5.1994

Abstract

The sustainability and competitiveness of the company is supported by good human capital management. Human capital plays an important role in achieving the company's vision, mission and goals. The expression human capital was established to increase productivity and maintain competitive advantage as an important factor in expanding business and employee assets. Attention to human resources or human capital as one of the main production factors for most companies is often put second compared to other production factors such as capital, technology, and money. Many company leaders are less aware that the profits obtained by the company actually come from human capital. Human capital supported by a well-built shared vision will increase the company's ability to achieve its goals. Shared vision is a development tool to build organizational learning capabilities. This study examines the strategy for optimizing the role of shared vision and human capital in companies in an era of change. This type of research is a systematic literature review that will provide benefits in the implementation of shared vision and human capital in companies.
Antecedents and Consequences of Shared Vision Dissemination Quality: Evidence from Public and Private Universities in Indonesia and Malaysia Sari Lubis, Anggia; Abdul Wahid, Khalid; Nasir Ismail, Mohd; Chyntia Ovami, Debbi
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 6 No. 1 (2026)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18573015

Abstract

This study examines how organizational commitment, transformational leadership, and readiness for change influence shared vision dissemination quality and, in turn, employee performance in higher education institutions. A cross-sectional survey was administered to 200 lecturers and educational staff from public and private universities in Indonesia and Malaysia. Data were analyzed using PLS-SEM with SmartPLS 4.0. The results indicate that organizational commitment, transformational leadership, and readiness for change significantly enhance shared vision dissemination quality, which strongly predicts employee performance. Transformational leadership emerges as the strongest predictor of shared vision dissemination quality. These findings highlight the strategic role of effective vision dissemination in strengthening organizational learning and performance in universities. The study contributes by integrating insights from the Theory of Reasoned Action, Learning Organization Theory, and Cognitive Learning Theory to conceptualize shared vision dissemination quality and explain its antecedents and outcomes.
Pengaruh Digital Financial Literacy Dan Financial Technology Terhadap Sustainable Economic UMKM Di Kecamatan Medan Sunggal Dengan Kepercayaan Terhadap Fintech Sebagai Variabel Mediasi Effendy, Mhd Nazriel Ilham; Khairani, Rafida; Tobing, Okta Rosalinda Lumban; Salsabilah, Sarah; Chyntia Ovami, Debbi
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.11060

Abstract

Pesatnya perkembangan teknologi digital telah mendorong perubahan signifikan dalam kegiatan ekonomi, termasuk pada sektor UMKM, dengan membuka peluang baru melalui pemanfaatan media sosial, e-commerce, serta layanan keuangan digital guna meningkatkan daya saing dan keberlanjutan usaha. Namun demikian, tidak seluruh UMKM mampu beradaptasi secara optimal terhadap perkembangan tersebut karena masih terbatasnya literasi digital, akses terhadap teknologi, serta rendahnya tingkat kepercayaan terhadap layanan fintech. Kondisi ini menimbulkan kesenjangan kemampuan antar pelaku usaha dan berpotensi menghambat keberlanjutan ekonomi UMKM. Walaupun tingkat adopsi fintech secara nasional terus menunjukkan peningkatan, masih banyak UMKM yang mengalami kesulitan dalam memanfaatkan layanan keuangan digital. Hambatan tersebut disebabkan oleh rendahnya pemahaman, kendala teknis, serta kekhawatiran terhadap aspek keamanan, sehingga peluang peningkatan efisiensi, akses pembiayaan, dan pertumbuhan usaha belum dapat dimanfaatkan secara maksimal. Populasi dalam penelitian ini mencakup seluruh UMKM di Kecamatan Medan Sunggal yang terdaftar pada Badan Pusat Statistik tahun 2023, dengan jumlah sebanyak 3.324 UMKM. Penentuan jumlah sampel dilakukan menggunakan rumus Slovin dengan tingkat kepercayaan sebesar 90% dan margin of error sebesar 10%, sehingga diperoleh sampel sebanyak 97 UMKM. Teknik pengambilan sampel yang diterapkan adalah simple random sampling, yaitu pemilihan responden secara acak dari populasi penelitian. Hasil penelitian menunjukkan bahwa literasi keuangan digital dan teknologi keuangan berpengaruh signifikan terhadap kepercayaan fintech dan keberlanjutan ekonomi UMKM di Kecamatan Medan Sunggal, baik secara langsung maupun melalui peran mediasi kepercayaan fintech. Kepercayaan terhadap fintech terbukti menjadi faktor kunci yang memperkuat pengaruh literasi keuangan digital dan pemanfaatan teknologi keuangan terhadap keberlanjutan ekonomi UMKM. Temuan penelitian ini diharapkan dapat memberikan kontribusi akademik, meningkatkan pemahaman serta kepercayaan pelaku UMKM terhadap fintech, serta menjadi bahan pertimbangan bagi pemerintah dan pemangku kepentingan dalam merancang kebijakan dan program pendukung, sekaligus menjadi referensi bagi penelitian selanjutnya.
Pengaruh Digital Financial Literacy Dan Financial Technology Terhadap Sustainable Economic UMKM Di Kecamatan Medan Sunggal Dengan Kepercayaan Terhadap Fintech Sebagai Variabel Mediasi Mhd Nazriel Ilham Effendy; Rafida Khairani; Okta Rosalinda Lumban Tobing; Sarah Salsabilah; Debbi Chyntia Ovami
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.11060

Abstract

Pesatnya perkembangan teknologi digital telah mendorong perubahan signifikan dalam kegiatan ekonomi, termasuk pada sektor UMKM, dengan membuka peluang baru melalui pemanfaatan media sosial, e-commerce, serta layanan keuangan digital guna meningkatkan daya saing dan keberlanjutan usaha. Namun demikian, tidak seluruh UMKM mampu beradaptasi secara optimal terhadap perkembangan tersebut karena masih terbatasnya literasi digital, akses terhadap teknologi, serta rendahnya tingkat kepercayaan terhadap layanan fintech. Kondisi ini menimbulkan kesenjangan kemampuan antar pelaku usaha dan berpotensi menghambat keberlanjutan ekonomi UMKM. Walaupun tingkat adopsi fintech secara nasional terus menunjukkan peningkatan, masih banyak UMKM yang mengalami kesulitan dalam memanfaatkan layanan keuangan digital. Hambatan tersebut disebabkan oleh rendahnya pemahaman, kendala teknis, serta kekhawatiran terhadap aspek keamanan, sehingga peluang peningkatan efisiensi, akses pembiayaan, dan pertumbuhan usaha belum dapat dimanfaatkan secara maksimal. Populasi dalam penelitian ini mencakup seluruh UMKM di Kecamatan Medan Sunggal yang terdaftar pada Badan Pusat Statistik tahun 2023, dengan jumlah sebanyak 3.324 UMKM. Penentuan jumlah sampel dilakukan menggunakan rumus Slovin dengan tingkat kepercayaan sebesar 90% dan margin of error sebesar 10%, sehingga diperoleh sampel sebanyak 97 UMKM. Teknik pengambilan sampel yang diterapkan adalah simple random sampling, yaitu pemilihan responden secara acak dari populasi penelitian. Hasil penelitian menunjukkan bahwa literasi keuangan digital dan teknologi keuangan berpengaruh signifikan terhadap kepercayaan fintech dan keberlanjutan ekonomi UMKM di Kecamatan Medan Sunggal, baik secara langsung maupun melalui peran mediasi kepercayaan fintech. Kepercayaan terhadap fintech terbukti menjadi faktor kunci yang memperkuat pengaruh literasi keuangan digital dan pemanfaatan teknologi keuangan terhadap keberlanjutan ekonomi UMKM. Temuan penelitian ini diharapkan dapat memberikan kontribusi akademik, meningkatkan pemahaman serta kepercayaan pelaku UMKM terhadap fintech, serta menjadi bahan pertimbangan bagi pemerintah dan pemangku kepentingan dalam merancang kebijakan dan program pendukung, sekaligus menjadi referensi bagi penelitian selanjutnya.
THE ROLE OF FINANCIAL TECHNOLOGY INNOVATION (FINTECH) IN IMPROVING THE OPERATIONAL EFFICIENCY OF MSMES IN BINTAN REGENCY Rakesh Sitepu; Sri Fitria Jayusman; Sari Wulandari; Debbi Chyntia Ovami; Serli Yuli Marlina
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 2 (2026): April
Publisher : CV. Radja Publika

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

Abstract

After the Covid-19 Pandemic, Indonesia, especially Bintan Regency, is faced with the challenge of improving the operational efficiency of MSMEs (Micro, Small and Medium Enterprises) in various zones, especially in financial management. This research aims to study the position or role of financial technology innovation in improving the operational efficiency of MSMEs in Bintan Regency. The use of technology can share many conveniences in every business activity. Financial technology (Fintech) is one of the drivers of business growth at this time. The research method used is using a qualitative descriptive approach. Qualitative descriptive analysis is research that correctly and accurately describes the process or event that is happening as the object of research. The information or data is then analyzed to get results. The findings of the study prove that the use of Fintech such as digital payment systems, expense tracing, and financial information analysis can significantly increase the operational efficiency of MSMEs in Bintan Regency. This study shares a better description of Fintech innovations that can be applied efficiently and effectively to improve financial and operational performance in Bintan Regency. In short, financial technology innovation has great ability to improve operational efficiency with synergistic cooperation between stakeholders to be able to improve digital skills, as well as infrastructure investment.
PENGUATAN LITERASI SMART ACCOUNTING DAN GREEN ACCOUNTING BAGI SANTRI DI YAYASAN DARUL MUTTAQIN MELALUI KOLABORASI INDONESIA-MALAYSIA Yuni Shara; Debbi Chyntia Ovami; Fismarini Fismarini; Masinta Junaidah; Sari Wulandari
Journal of Community Empowerment Vol 5, No 2 (2026): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v5i2.39536

Abstract

ABSTRAKPengabdian ini bertujuan memperkuat literasi smart accounting dan green accounting santri di Yayasan Darul Muttaqin, Deli Serdang. Permasalahan utama yang dihadapi mitra meliputi belum adanya pencatatan keuangan yang rutin pada unit usaha, belum adanya pencatatan dampak lingkungan  seperti volume limbah, efisiensi bahan baku, serta pemakaian air dan listrik serta belum mampunya santri dalam menghitung biaya produksi, menentukan harga jual, maupun mengoperasikan aplikasi digital. Kegiatan dilaksanakan pada 6 Februari 2026 dan dilanjutkan dengan pendampingan intensif, melalui kolaborasi internasional bersama mitra dari Malaysia. Pendekatan yang digunakan bersifat partisipatif, berbasis nilai-nilai Islam, dan berorientasi pada pemberdayaan. Pengumpulan data dilakukan melalui observasi, diskusi refleksi, dan wawancara. Hasil kegiatan menunjukkan bahwa santri telah mampu mengoperasikan aplikasi Google Spreadsheet untuk mencatat pemasukan, pengeluaran, stok, dan arus kas; mengidentifikasi serta mencatat indikator lingkungan meliputi sampah, minyak jelantah, air, dan listrik; mengolah limbah secara produktif; serta menyusun laporan terpadu smart-green accounting. Kolaborasi bersama mitra Malaysia turut memperkaya metode pelaksanaan melalui transfer praktik baik dari pesantren serumpun sekaligus membangun jejaring kemitraan yang berkelanjutan. Sebagai simpulan, penguatan kedua literasi secara simultan terbukti mampu menciptakan kemandirian ekonomi pesantren yang berkelanjutan dan ramah lingkungan.Kata kunci: Smart Accounting; Green Accounting; Literasi Santri; Pesantren Berkelanjutan; Kolaborasi Indonesia-Malaysia ABSTRACTThis community service activity aims to strengthen the literacy of smart accounting and green accounting among santri at Yayasan Darul Muttaqin, Deli Serdang. The main problems faced by the partner institution include the absence of routine financial recording in business units, the lack of environmental impact documentation such as waste volume, raw material efficiency, and water and electricity consumption  as well as the santri's limited ability to calculate production costs, determine selling prices, or operate digital applications. The activity was held on February 6, 2026, followed by intensive mentoring, carried out through international collaboration with a partner from Malaysia. The approach adopted was participatory, grounded in Islamic values, and oriented toward empowerment. Data were collected through observation, reflective discussions, and interviews. The results indicate that the santri were able to operate Google Spreadsheet to record income, expenses, inventory, and cash flow; identify and document environmental indicators including waste, used cooking oil, water, and electricity; productively process waste materials; and compile an integrated smart-green accounting report. Collaboration with the Malaysian partner further enriched the methodology through the transfer of best practices from kindred pesantren, while simultaneously establishing a sustainable partnership network. In conclusion, the simultaneous strengthening of both literacies has proven capable of fostering sustainable and environmentally responsible economic independence for the pesantren.Keywords: Smart Accounting; Green Accounting; Student Literacy; Sustainable Pesantren; Indonesia-Malaysia Collaboration.
GREEN INVESTMENT, DIGITAL TECHNOLOGY AND DIGITAL FINANCE CAPABILITY ON FINANCIAL SUSTAINABILITY Debbi Chyntia Ovami; Sari Wulandari; Junita Putri Rajana Harahap; Noor Marini Haji Abdullah; Noreen Azella Nawi; Suci Agsani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 5 (2026): APRIL
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20065188

Abstract

This study aims to examine the role of Digital Finance Capability (DFC) in moderating the influence of green investment and digital technology on the financial sustainability of MSMEs. MSMEs, which play an important role in the Indonesian economy, often face obstacles in accessing technology and financing that can support financial sustainability. The method used in this study is a quantitative approach with a survey of MSMEs that have utilized digital technology and green investment. Primary data will be collected through a questionnaire distributed to MSME actors. The analysis technique used is Structural Equation Modeling (SEM) to test the relationship between the variables studied. The results of the study show that green investment does not have a significant effect on financial sustainability, while digital technology and digital finance capabilities have an effect on financial sustainability. Digital finance capabilities cannot moderate the influence of green investment and digital technology on financial sustainability.
Co-Authors A Halim Abdul Wahid, Khalid Adinda Olivia Alistraja Dison Silalahi Ananda Anugrah Nasution Andri Soemitra Angel, Cornelia Grace Angelia Angelia Angelia Baosiska Br. Silaban Angelina Natalia Angellica Angellica Angga Anggia Sari Lubis, Anggia Sari Ardhansyah Putra Hrp Argo Putra Prima Ari Irawan Ari Irawan Ari Irawan Arie Pratania Putri Arif Qaedi Hutagalung Atika Wardati Hubbi Ayu Melati Ningsih Ayu Sya Pitri Sihombing Azzahra Adelia Barutu, Herlinawati Bela Nanda Sari Br. Ginting, Cindy Claudia Bryan Berlin BUDI SETIADI DARYONO Calvina Calvina Camelya Adelyani Br Hutagalung Celia, Celia Cici Ayu Wandira Cindy Claudia Br. Ginting Dea Laila Puspita Dedi Riandi Pasaribu Dewi Nurmala Dian Lestari Effendy, Mhd Nazriel Ilham Ellen Wintan Erlina Erlina Esa Setiana Fadhila Amalia Pasaribu Fadrul Fadrul Fairuz Shofie Nasution fauzi, indra Febrina Zega Fernanda Anggara Fismarini Fismarini Gadiez Salsabilla Panjaitan Galih Supraja Gaol, Rosanti Lumban Gea, Annisa Fitri Ginting, Kristi Endah Ndilosa Ginting, Kristi Endah Ndilosa Gunawan, Olivia Gabriella Gunawan, Rahmad Halim, Norica Halim, Vivian Hardi Mulyono Hasibuan, Nikmatul Khoiriah Helsa Titania Lestari Henny Juliem Henny Zurika Lubis Herawaty , Netty Huang, Meggi Husna, M. Faisal Hutasoit, Putri Romauli Ilham Ramadhan Nasution Indra Fauzi Irawan Irawan Irva Novriza Utami Iskandar Muda Ita Mustika Jason Mulia Jessica Jessica Johansen Johansen Josephine Josephine Junawan Junawan Junita Putri Rajana Harahap Kartika Khalid Abdul Wahid Kiki Amalia Harahap Lestari, Ayu Dwi Lisa Septia Dewi Br. Ginting Lismardiana, Lismardiana M. Faisal Husna M. Khairil Amar Lubis Masinta Junaidah Mega Amelia Putri Melvin Wira Winata Mhd Nazriel Ilham Effendy Mhd Purwo Pranyoto Mila Setyani Purba Mila Setyani Purba Mita Sari Angraini Mohd Nasir Ismail Muhamad Bagas Reziqo Muhammad Dimas Alfahri Murni Dahlena Nasution Nadiyah Diyanah Nasution Nanda Fitrah Gemilang Hasibuan Nasir Ismail, Mohd Netty Herawaty Nila Afningsih Noh Aisyah Mohd Ali Noor Marini Haji Abdullah Noor Marini Haji-Abdullah Noreen Azella Nawi Novennie Lusgiannivia Nur Aini Nurhafni Siregar Nurlayla, Indah Nurmala Dewi, Nurmala NURUL AZIZAH Okta Rosalinda Lumban Tobing Osya, Zahra Zeinatha Ova Novi Irama Ova Novi Irama Pasaribu, Fadhila Amalia Paska Prina Br Bangun Patricia Utama Putra Fahlevi Rafida Khairani Rakesh Sitepu Ramadhany, Andi Aulya Rangga Pangestu Ratna Sari Dewi Ratna Sari Dewi Reza Hanafi Lubis Reza Hanafi Lubis Ricka Putri Rindhira Humairah Ritonga, Fittri Yanti Ritonga, Putri Ulina Rizqy Fadhlina Putri Rizqy Fadhlina Putri Rustam Efendi Rustam Efendi Sakinah Putri Salsabilah, Sarah Santi Santi Saragi, Sofia Mahliza Sarah Salsabilah Sari Wulandari Sari Wulandari Sari, Saijuwita Sembiring, Salmia Serli Yuli Marlina Sheerad Sahid Sheren Sheren Shita Tiara Siallagan, Sri Susanti Silalahi, Alistraja Dison Simangunsong, Adinda Olivia Simanjuntak, Cindy Anggraini Siregar, Horia SITI AMINAH Sitompul, Julana Sari Sri Arpaini Sri Fitria Jayusman Sri Fitria Jayusman Sri Rahayu Steward Christopher Suci Agsani Suginam Tanti Rahayu Teguh Satria Amin, Teguh Satria Tengku Dewi Rahmadani Tobing, Okta Rosalinda Lumban Toni Hidayat Tri Reni Novita Valentini, Vivian Wan Gustina Indah Sari Wedilya Wilda Sri Munawaroh Harahap Wirananda, Henny Andriyani Wisnu Darwanto Yuni Arti Yuni arti Yuni Shara