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All Journal Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Trias Politika INVEST : Jurnal Inovasi Bisnis dan Akuntansi Jurmas Azam Insan Cendikia BATIK: Jurnal Pengembangan dan Pengabdian Masyarakat Multikultural International Journal of Information System and Innovation Management Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Ratna Nurani
Universitas Islam Negeri Sultan Syarif Kasim Riau
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Literasi Sistem Pembayaran Quick Response Code Indonesian Standard (QRIS) pada Siswa Sekolah Menengah Atas di Pekanbaru Umi Rachmah Damayanti; Ade Ria Nirmala; Ratna Nurani; Chelly Natalia Kuswara
Jurnal Pengembangan dan Pengabdian Masyarakat Multikultural Vol 1 No 1: BATIK April 2023
Publisher : Institut Riset dan Publikasi Indonesia (IRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/batik.v1i1.703

Abstract

Quick Response Code Indonesia Standard (QRIS) stands for QR Code Indonesia Standard, QRIS is the first step of the digital transformation of the Indonesian Payment System (SPI), which is believed to support the acceleration of economic development and digital finance in Indonesia. Bank Indonesia made QRIS easier for people to make non-cash payment transactions. Applying QRIS to the people of Indonesia will take a long time, especially in remote areas or small cities. This is because the level of digital financial literacy in Indonesia, especially in regions or small cities, is still shallow. Therefore, it takes constant education and socialization at various levels of Indonesian society so that QRIS can run optimally. High school students are a group of people who are very digitally active. Almost all activities, whether school, community, or consumption, are internet-based. Considering these conditions, it is necessary to conduct socialization activities using QRIS for high school students to manage personal finances, especially in decisions regarding consumption, savings, and investment activities. The community group targeted as a strategic target group is high school students. The consideration for this target group is that high school students are a group of people who are very active in using gadgets and the internet. Almost all activities of these high school students are carried out digitally.
HUBUNGAN RELIGIUSITAS TERHADAP KINERJA ASN DENGAN VARIABEL INTERVENING LINGKUNGAN KERJA NON FISIK (STUDI KASUS PADA ASN KANTOR GUBERNUR PROVINSI RIAU) Ratna Nurani; Pelican Landri; Virna Museliza; Sitti rahma
JURNAL TRIAS POLITIKA Vol 7, No 2 (2023): Oktober 2023, Jurnal Trias Politika
Publisher : Universitas Riau Kepulauan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33373/jtp.v7i2.5697

Abstract

ABSTRACT This article aims to find out how religiosity influences the work environment and non-physical performance, to find out how the non-physical work environment influences ASN performance and to find out how religiosity influences ASN performance in the Riau Governor's Office through the non-physical work environment as an intervening variable. A quantitative approach with the PLS method is used to answer the hypothesis. The results of this research are based on the results of the bootstrapping test, the t-count value is greater than the t-tall (2,646> 1.96), and p value 1.96), and p value 0.05). so that the non-physical work environment does not act as a mediating variable between Religiosity and ASN Performance, Hyopthesis 4 is rejected. ABSTRAK Artikel ini bertujuan untuk mengetahui religiusitas berpengaruh terhadap lingkungan kerja dan kinerja non fisik, untuk mengetahui lingkungan kerja non fisik berpengaruh terhadap kinerja ASN dan untuk mengetahui religiusitas berpengaruh terhadap kinerja ASN di Kantor Gubernur Riau melalui lingkungan kerja non fisik sebagai variabel intervening. Pendekatan kuantitatif dengan metode PLS digunakan untuk menjawab hipotesa. Hasil dari penelitian ini yaitu berdasarkan hasil uji bootstrapping nilali t-hitung lebih besalr dalri t-talbel (2.646> 1,96), dan p value0,05), Hipotesa ke 2 ditolak. bahwa Lingkungan kerja non fisik berpengaruh terhadap kinerja ASN Pemprov Riau. Hal ini ditunjukkan dengan nilai t-hitung lebih besalr dalri t-talbel (2.867 > 1,96), dan p value0.05). sehingga Lingkungan kerja non fisik tidak berperan sebagai variabel yang memediasi antara Religiusitas dan Kinerja ASN, Hioptesa ke 4 ditolak
Pengaruh Financial Technology Dan Literasi Keuangan Terhadap Keberlanjutan UMKM Dengan Inklusi Keuangan Sebagai Variabel Mediasi (Studi Kasus Pada UMKM Pengguna Qris Di Kota Pekanbaru) Zelvia Ananda; Ratna Nurani
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.v7i3.10410

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh teknologi keuangan dan literasi keuangan terhadap keberlanjutan UMKM dengan inklusi keuangan sebagai variabel mediasi, khususnya pada UMKM di Kota Pekanbaru. Penelitian ini menggunakan jenis penelitian kuantitatif deskriptif. Sampel penelitian terdiri dari 150 responden UMKM yang tinggal di Kota Pekanbaru. Teknik sampling menggunakan metode purposive sampling. Teknik analisis data yang digunakan adalah SmartPLS Versi 4. Berdasarkan hasil penelitian, dapat disimpulkan bahwa: 1) Teknologi keuangan dan literasi keuangan memiliki pengaruh positif dan signifikan terhadap keberlanjutan UMKM di Kota Pekanbaru. 2) Teknologi keuangan dan literasi keuangan memiliki pengaruh positif dan signifikan terhadap inklusi keuangan terhadap keberlanjutan UMKM di Kota Pekanbaru. 3) Dampak inklusi keuangan secara positif dan signifikan terhadap keberlanjutan UMKM di Kota Pekanbaru. 4) Inklusi keuangan berperan sebagai mediator antara teknologi keuangan dan literasi keuangan terhadap keberlanjutan UMKM di Kota Pekanbaru.
PENDAMPINGAN PENGGUNAAN APLIKASI “SIAPIK” (SISEM INFORMASI APLIKASI PENCATATAN INFORMASI KEUANGAN) DI FIRMA BIMBINGAN TERPADU 8 PEKANBARU Ade Ria Nirmala; Umi Rachmah Damayanti; Ratna Nurani; Endrianto Ustha
Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat Vol. 2 No. 2 (2024): Agustus 2024 : Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/hawajppm.v2i2.59

Abstract

Tujuan dari kegiatan ini adalah untuk melakukan pendampingan penyusunan laporan keuangan dengan memanfaatkan aplikasi digital SIAPIK, bagi Firma Bimbingan Terpadu 8, sehingga pembuatan laporan keuangan bisa di buat dengan mudah. Metode pelaksanaan kegiatan dilakukan secara komprehensif terkait standar UMKM yang berlaku dan memberikan pelatihan dalam pembuatan laporan keuangan dengan memanfaatkan aplikasi SIAPIK. Metode yang digunakan dalam PKM ini adalah penyuluhan dan tutorial aplikasi SIAPIK, diskusi serta assessment dengan pada pelaku UKM. Diharapkan PKM ini bermanfaat untuk berbagai pihak diantaranya pelaku UKM itu sendiri, Bank Indonesia, Pemerintah dan bagi akademisi
PENINGKATAN LITERASI UMROH MANDIRI BAGI IBU-IBU DI SIDOMULYO BARAT, PEKANBARU Identiti; Pelicen Landri; Ratna Nurani
Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat Vol. 2 No. 3 (2024): Desember 2024 Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/hawajppm.v2i3.78

Abstract

Kurangnya pemahaman di kalangan ibu rumah tangga di Pekanbaru mengenai prosedur Umrah mandiri telah memunculkan kebutuhan untuk meningkatkan literasi dalam bidang ini. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pengetahuan dan pemahaman tentang prosedur Umrah mandiri, sehingga peserta dapat melaksanakan Umrah tanpa bergantung pada agen perjalanan. Metode yang digunakan dalam kegiatan ini meliputi ceramah, diskusi interaktif, dan simulasi praktis ritual Umrah. Teknik-teknik ini dimaksudkan untuk memberikan wawasan yang komprehensif mengenai aspek-aspek penting, seperti pengajuan visa, pengaturan penerbangan, pemesanan akomodasi, dan pelaksanaan ritual Umrah sesuai ajaran Islam. Hasilnya menunjukkan peningkatan yang signifikan dalam pengetahuan peserta, yang dibuktikan dengan evaluasi sebelum dan sesudah kegiatan. Peserta menunjukkan peningkatan kepercayaan diri dalam memahami proses Umrah mandiri, dan banyak yang menyatakan kesiapan untuk menerapkan apa yang telah dipelajari. Kegiatan ini tidak hanya berkontribusi dalam meningkatkan literasi keagamaan tetapi juga mendorong pendekatan yang lebih mandiri dan percaya diri dalam melaksanakan Umrah di kalangan ibu rumah tangga di Pekanbaru. Hasil ini menunjukkan bahwa program serupa dapat bermanfaat bagi komunitas lain yang menghadapi tantangan serupa.
PENINGKATAN LITERASI UMROH MANDIRI BAGI IBU-IBU DI SIDOMULYO BARAT, PEKANBARU Identiti; Pelican Landri; Ratna Nurani
Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat Vol. 3 No. 2 (2025): Agustus 2025 Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Publisher : Yayasan Wayan Marwan Pulungan

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

Abstract

Kurangnya pemahaman di kalangan ibu rumah tangga di Pekanbaru mengenai prosedur Umrah mandiri telah memunculkan kebutuhan untuk meningkatkan literasi dalam bidang ini. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pengetahuan dan pemahaman tentang prosedur Umrah mandiri, sehingga peserta dapat melaksanakan Umrah tanpa bergantung pada agen perjalanan. Metode yang digunakan dalam kegiatan ini meliputi ceramah, diskusi interaktif, dan simulasi praktis ritual Umrah. Teknik-teknik ini dimaksudkan untuk memberikan wawasan yang komprehensif mengenai aspek-aspek penting, seperti pengajuan visa, pengaturan penerbangan, pemesanan akomodasi, dan pelaksanaan ritual Umrah sesuai ajaran Islam. Hasilnya menunjukkan peningkatan yang signifikan dalam pengetahuan peserta, yang dibuktikan dengan evaluasi sebelum dan sesudah kegiatan. Peserta menunjukkan peningkatan kepercayaan diri dalam memahami proses Umrah mandiri, dan banyak yang menyatakan kesiapan untuk menerapkan apa yang telah dipelajari. Kegiatan ini tidak hanya berkontribusi dalam meningkatkan literasi keagamaan tetapi juga mendorong pendekatan yang lebih mandiri dan percaya diri dalam melaksanakan Umrah di kalangan ibu rumah tangga di Pekanbaru. Hasil ini menunjukkan bahwa program serupa dapat bermanfaat bagi komunitas lain yang menghadapi tantangan serupa.
The Influence of Western Culture on The Behavior of Z Generation Sitti Rahmah; Virna Museliza; Ratna Nurani; Devi Deswimar
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 4 No. 2 (2023): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v4i2.645

Abstract

This study aims to determine the influence of Western culture on the behavior of Generation Z in the city of Pekanbaru. And to find out that Western culture can influence the behavior of Generation Z in the city of Pekanbaru. The hypothesis was tested with a Simple Linear Regression Test, Partial Test Validity Test The results of his research based on statistical testers using the partial t test, showed that it had a t count value of 5.437> and T table 1.695 with a significance value of 0.000, namely (5.437> 1.695). So it can be concluded that Ho is rejected and Ha is accepted, meaning that Western Culture has a significant effect on Generation Z behavior in Pekanbaru city, meaning that if Western Culture advances, then Generation Za behavior will also change. Western Culture Variables have a positive and significant effect on the Behavior of Generation Z in the city of Pekanbaru with the appropriate significance value. There is a strong relationship between Western Culture on the Behavior of Generation Z in Pekanbaru City,
Innovative Strategies for Customer Satisfaction in Service Quality: A Case Study of Indonesian Islamic Banks in Pekanbaru Endrianto Ustha; Ratna Nurani
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 6 No. 1 (2025): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v6i1.1221

Abstract

ABSTRACT This study aims to analyze the level of customer satisfaction with service quality and the strategies to improve customer satisfaction at Bank Syariah Indonesia KCP Arifin Ahmad, Pekanbaru. Data collection techniques included primary data obtained from questionnaires and interviews. The sampling method used was Simple Random Sampling, with respondents being customers of Bank Syariah Indonesia KCP Arifin Ahmad. Data analysis was performed using the Customer Satisfaction Index (CSI) method through Microsoft Excel and SWOT analysis. The indicators used to measure the level of customer satisfaction with service quality in Islamic banking consist of six dimensions: Reliability, Responsiveness, Assurance, Empathy, Tangibles, and Compliance with Islamic Law. The results of the study, using CSI, showed a score of 66.04%, which falls within the range of 66.00-80.00, indicating that customers are satisfied with the service quality provided by Bank Syariah KCP Arifin Ahmad. The results of the SWOT analysis suggest that Islamic banks need to implement several strategies to increase customer satisfaction. These strategies include setting competitive pricing, maintaining and expanding cooperation networks with existing partners, continuing to enhance customer convenience by increasing ATM facilities, improving service quality by offering additional services, and optimizing the system by enhancing IT infrastructure or applications.
Investment Knowledge, Risk Perception, and Income as Determinants of Students’ Investment Interest: Evidence from an Indonesian Islamic University Ratna Nurani; Fitra Al Hadro
International Journal of Information System and Innovation Management (IJISIM) Vol. 3 No. 2 (2025): International Journal of Information System and Innovation Management
Publisher : Yayasan Pendidikan Islam Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/ijisim.v3i2.2057

Abstract

This study examines the effects of investment knowledge, risk perception, and income on students’ investment interest at the Faculty of Economics and Social Sciences, Universitas Islam Negeri Sultan Syarif Kasim Riau, Indonesia. A quantitative research design was employed, with primary data collected through questionnaires administered to 99 students selected using proportionate stratified random sampling. The data were analyzed using multiple linear regression with SPSS. The findings reveal that investment knowledge and income have positive and statistically significant effects on investment interest, whereas risk perception does not exhibit a significant influence. The coefficient of determination (R²) of 0.838 indicates that the proposed variables explain 83.8% of the variance in students’ investment interest, while the remaining 16.2% is attributable to other factors not included in this model. These results underscore the importance of strengthening financial literacy and improving students’ income capacity to enhance investment participation. Meanwhile, risk perception appears to be less influential, possibly due to students’ greater emphasis on expected returns. This study contributes to the empirical literature on investment behavior among university students and provides practical implications for higher education institutions and policymakers in promoting investment awareness and financial education.
The Impact of Fear of Missing Out (FoMO) and Materialism on Financial Stress Among Students at Public Universities: The Moderating Role of Religiosity Ratna Nurani; M. Munawar Ansyori; Thi Kim Anh Vu; Muhammad Firmansyah; Jose Antonio Lopez Castro
International Journal of Information System and Innovation Management (IJISIM) Vol. 4 No. 2 (2026): International Journal of Information System and Innovation Management
Publisher : Yayasan Pendidikan Islam Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/ijisim.v4i2.2687

Abstract

This study aims to examine the effects of Fear of Missing Out (FOMO) and materialism on college students’ financial stress and to analyze the moderating role of religiosity in these relationships. The study was motivated by the increasing influence of digital lifestyles and consumerist behavior among college students, as well as the limited empirical studies integrating psychological and spiritual factors into a comprehensive framework. A quantitative approach was employed involving 200 students from a state university in Pekanbaru City selected through purposive sampling. Data were collected using a structured questionnaire based on a Likert scale and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings reveal that FOMO and materialism have a positive and significant effect on students’ financial stress, indicating that higher levels of social comparison and material-oriented values contribute to greater financial pressure. Furthermore, religiosity moderates the effects of FOMO and materialism by weakening their influence on financial stress. These results suggest that psychological factors play a dominant role in generating financial stress, while religiosity serves as a coping mechanism that helps students manage financial challenges. This study contributes to the financial psychology literature by integrating behavioral, cognitive, and spiritual dimensions and offers practical implications for value-based financial literacy and responsible consumer behavior among students.
Co-Authors Chelly Natalia Kuswara Damayanti, Umi Rachmah Devi Deswimar Endrianto Ustha Fitra Al Hadro Hesty Hesty Wulandari Identiti Jose Antonio Lopez Castro M. Munawar Ansyori Muhammad Firmansyah Museliza, Virna Nirmala, Ade Ria Pelican Landri Pelican Landri Pelicen Landri Sitti rahma Sitti Rahmah Thi Kim Anh Vu Virna Museliza Zelvia Ananda