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All Journal Journal of Public Administration and Government (JPAG) juremi: jurnal riset ekonomi Journal Of Business, Finance, and Economics (JBFE) Seminar Nasional Pengabdian Kepada Masyarakat Jurnal Manajemen Bisnis Kewirausahaan Journal of Artificial Intelligence and Digital Business Jurnal Manajemen Seminar Nasional Hasil Penelitian LP2M UNM (JIMBE) (JUMPER) Jurnal Ilmiah Neraca : Ekonomi Bisnis, Manajemen, Akuntansi Riset Ilmu Manajemen Bisnis dan Akuntansi Ininnawa: Jurnal Pengabdian Masyarakat MAXIMAL Inovasi Sosial: Jurnal Pengabdian Masyarakat IJHABS Jurnal Pengabdian Negeri PESHUM META - JOURNAL KATALIS : Jurnal Inovasi Pengabdian Masyarakat
Isma Azis Riu
Program Studi Manajemen, Universitas Negeri Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Journal : META - JOURNAL

 1 
Cultural Values and Purchasing Decisions: A Phenomenological Study of Bugis-Makassar Consumers in Traditional Markets Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 5 (2025): June
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v2i5.339

Abstract

This phenomenological study explores how cultural values influence purchasing decisions among Bugis-Makassar consumers in traditional markets of Makassar City, Indonesia. The research investigates the impact of two fundamental cultural concepts—siri' (honor) and pacce (empathy/compassion)—on consumer behavior patterns. Data were collected through in-depth interviews with 15 purposively selected participants and field observations in traditional markets. Using Colaizzi's seven-step phenomenological analysis framework, the study identified four primary themes: Honor-Driven Purchasing Decisions, Relationship-Centered Commerce, Community Solidarity in Market Transactions, and Collective Identity Preservation. Findings reveal that cultural values significantly outweigh price considerations in purchasing decisions, with participants prioritizing vendor relationships, community welfare, and cultural identity preservation over economic factors. The study demonstrates that siri' manifests through dignity-centered product selection and respectful bargaining practices, while Pacce influences empathetic purchasing behaviors that support community members. Multi-generational vendor relationships emerged as crucial determinants of consumer choice, creating alternative forms of economic rationality that prioritize social bonds over transactional efficiency. The research contributes to consumer behavior literature by providing empirical evidence of how indigenous value systems create resilient economic practices in traditional market settings. Practical implications include the need for culturally sensitive marketing strategies that respect traditional values and emphasize relationship building over purely transactional approaches.
Marketing Strategy For Educational Services Based On Digital Personalization In The Post-Pandemic Era : Phenomenological Study On Online Course Institutions Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 3 (2025): February
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v2i4.281

Abstract

The post-pandemic era has intensified the need for personalized digital education, particularly in non-formal sectors where adaptive strategies are critical to addressing diverse learner needs. This phenomenological study explores how online course institutions in Makassar, Indonesia, utilize artificial intelligence (AI) and data analytics to personalize educational services, emphasizing socio-cultural and ethical dimensions. Through semi-structured interviews, observations, and document analysis involving 15 participants (educators, administrators, and learners), the study reveals that while AI-driven tools enhance engagement through adaptive content and predictive analytics, their implementation faces challenges such as infrastructural limitations, generational resistance, and ethical concerns over data privacy and algorithmic bias. Culturally resonant adaptations  such as localized interfaces and virtual pattudang (community gatherings)  emerged as key strategies to bridge technological and communal values. However, participants underscored the necessity of hybrid models that balance automation with human mentorship, alongside decentralized policies to support equitable innovation. The findings advocate for community-driven approaches in Indonesia’s National Digital Literacy Framework, prioritizing ethics-by-design and partnerships between institutions, tech startups, and policymakers. This research contributes to global discourse on AI in education by highlighting the interplay between technological agility and cultural humility, offering actionable insights for community service (PKM) initiatives aimed at fostering inclusive, context-sensitive education in urban Indonesia.
Financial Health Assessment of Bank BRI: Trends in Liquidity, Profitability, and Management Efficiency Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 1 No 6 (2024): August
Publisher : Abadi Institute

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Abstract

Banking is the backbone of the construction of Indonesia's economic and financial system. A variety of economic issues greatly affect the business world, especially banking, where companies compete to perform well. Several metrics can be used to assess a bank's financial performance, such as the bank's financial statement performance. Financial reports are one of the information media that can provide an overview of a bank's health. The purpose of this study is to "research and understand PT's financial performance." Based on bank BRI Persero, Tbk, liquidity ratio, solvency ratio and profitability ratio. The study uses descriptive and quantitative methods by measuring liquidity, solvency and profitability ratios. Results based on liquidity ratio using quick ratio, bank. One Belt, One Road has sufficient capital to guarantee both short-term and long-term debt. Based on the indicators of NPM, ROE and ROA, the rate of return has decreased for five years due to the bank management's inability to manage assets to increase sales. Gross margin has increased for five years in a row, and BRI has been able to minimize costs and generate high gross margins, which is healthy. NPM, ROE and ROA have all declined, but profitability metrics remain healthy as they comply with BI's overall credit rating criteria. In order to increase this ratio, banks need to evaluate their business performance and appropriately improve their lending and asset management.
Crafting Effective Marketing Strategies for Xiaomi in Indonesia Through SWOT Insights Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 1 (2024): October
Publisher : Abadi Institute

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Abstract

This study aims to determine the marketing strategy undertaken by Xiaomi Indonesia and to describe effective suggestions based on the SWOT analysis conducted. The analysis was carried out using the IFE (Internal Factor Evaluation) and EFE (External Factor Evaluation) methods which describe the internal and external factors of a company which will then be followed up with an analysis diagram to determine the company's position. Xiaomi Indonesia occupies the WT quadrant position with scores (-0.9) and (-0.8) which indicate that an effective strategy that can be implemented is a defensive-aggressive strategy.
Nostalgia as Cultural Currency: How Java's Millennials Invest in Heritage Brands for Identity and Continuity Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 4 (2025): April
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v2i4.334

Abstract

This narrative inquiry explores the resurgence of local heritage brands among urban millennial consumers in Java, Indonesia, examining nostalgia as a primary emotional driver of purchasing behavior. Through in-depth interviews with 30 participants across five major Javanese cities (Jakarta, Bandung, Semarang, Yogyakarta, Surabaya), supplemented by sensory elicitation techniques, the study reveals how heritage consumption functions as temporal integration weaving personal nostalgia (e.g., childhood memories evoked by jamu’s bitterness or batik’s texture) with constructed cultural heritage. Findings identify a nuanced authenticity paradox: participants demanded visible craftsmanship as proof of intergenerational integrity while strategically embracing modernization that preserves cultural essence. Heritage brands emerged as tools for hybrid identity work, enabling millennials to reclaim Javanese identity within globalized selves through embodied rituals (e.g., lulur skincare as cultural homage). The emotional landscape featured reflective nostalgia, bittersweet resonance, balancing comfort with awareness of cultural transformation, and transforming consumption into agentive cultural resilience. Ultimately, purchasing decisions represent ethical stewardship, sustaining intangible heritage through market mechanisms ("buying time for traditions"). The study contributes to consumer culture theory by reframing nostalgia as a dynamic social force that bridges personal memory, cultural preservation, and marketplace action in postcolonial urban contexts.
Word-of-Mouth Marketing and Customer Acquisition: Experiences of Women Entrepreneurs in Makassar's Beauty and Wellness Industry Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 6 (2025): August
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v2i6.363

Abstract

This phenomenological study explores how women entrepreneurs in Makassar’s beauty and wellness sector strategically leverage Word-of-Mouth (WOM) marketing as a relational economic mechanism for customer acquisition and retention. Anchored in a humanistic-economic perspective, the research examines how trust, emotional labor, and social capital function as non-financial assets that substitute for capital-intensive marketing strategies in resource-constrained contexts. Using Interpretative Phenomenological Analysis (IPA) on semi-structured interviews with salon owners, beauticians, and spa entrepreneurs, three superordinate themes emerged: (1) Trust as the Primary Economic Currency, emphasizing integrity and competence as foundations of customer advocacy; (2) Emotional Labor as Strategic Investment, highlighting empathy and personalized care as deliberate economic resources; and (3) The Social Network as Market Infrastructure, illustrating how localized community ties and digital interactions form efficient, low-cost distribution channels for business growth. The findings reveal that WOM in this sector is not merely a promotional outcome but a relational economic system rooted in cultural trust, affective commitment, and collective reciprocity. The study contributes to the literature by advancing a humanistic-economic framework for relational marketing, demonstrating how feminine entrepreneurship transforms social and emotional capital into measurable economic value.
Mobile Payment Adoption in Marketing Transactions: A Study of Women Entrepreneurs in Makassar's Retail Sector Riu, Isma Azis
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 2 (2025): December
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i2.364

Abstract

This study investigates how women micro-retail entrepreneurs in Makassar adopt and integrate mobile payment systems within their everyday business practices. Using a phenomenological design, the research foregrounds lived experiences to reveal that adoption is neither linear nor purely technology-driven. Instead, it is shaped by functional convenience, trust dynamics, peer-based learning, hybrid cash–digital routines, and the gendered realities of time poverty and informal financial histories. Findings show that while mobile payments offer efficiency, status gains, and expanded customer reach, they also introduce new obligations related to digital recordkeeping, platform management, and risk exposure. Social capital emerges as a critical enabler that accelerates skills acquisition and legitimizes usage, yet interpersonal expectations tied to cash-based norms continue to moderate full transition toward digital payments. The study advances socio-technical and gender-aware interpretations of fintech adoption by integrating TAM, social capital, and behavioral perspectives. Practical implications emphasize the need for platform refinements, modular literacy programs, and community-based training that align with women entrepreneurs’ constraints and relational practices. The research calls for policy frameworks that balance technological innovation with culturally grounded support mechanisms to strengthen inclusive digital financial ecosystems in urban micro-retail markets.
Co-Authors A. Afifah Humairah Abadi, Rahmat Riwayat Achmad Ridha Adriansyah Agung Widhi Kurniawan Andhani, Rima Andi Mustika Amin Anwar Anwar Anwar Ramli Aslam, Annisa Paramaswary Burhanuddin Burhanuddin Burhanuddin Chalid Imran Musa Deddy Ibrahim Rauf Erwin Erwin Hardiyanti, Andi Ariyani Hasbiah, Sitti Hery Maulana Arif Hikmah Hikmah Hikmah Ichwan Musa, Muh. Ilma Wulansari Hasdiansa Ipoatmodjo, Tenri S. P. D M. Ikhwan Maulana Haeruddin M. Ilham Wardhana H. Muh. Yaqhzan Muhammad Basri Muhammad Vicky Afrezkia Saleh Musa, M. Ichwan My Sarah Imran Nulthazam Sarah Nur Fadilah Ayu Sandira Nurfadillah Nurhidayanti.S Nurul Aszizah Adelia Putri Nur Nurul Fadilah Aswar Radjab, Irsan Siti Hasbiah Sitti Hasbiah Sukarno Tenri Sayu Puspitaningsih Dipoatmodjo Windarsari, Wiwin Riski