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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Seminar Nasional Pengabdian Kepada Masyarakat Journal Online Manajemen ELPEI (JOMEL) Abdi Cendekia: Jurnal Pengabdian Masyarakat Business Management Journal of Business Issues Journal of Economic Education and Entrepreneurship Studies Kreativitas Pada Pengabdian Masyarakat (Krepa) Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Neraca Manajemen, Akuntansi, dan Ekonomi AKSELERASI: Jurnal Pengabdian Masyarakat Journal of Economics and Management Technologies Jurnal Ilmiah Akuntansi dan Keuangan (JIAN)
Nur Fadilah Ayu Sandira
Universitas Negeri Makassar
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Dampak COVID-19 pada Profitabilitas Bank Buku 4: Sebuah Studi Komparatif Iswardhani, Indri; Sarah, Nulthazam; Nasir, Sri Astuti; Macenning, A. Reski Almaida Dg; Sandira, Nur Fadilah Ayu
Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Februari
Publisher : Departement of Accounting Science Faculty of Economics and Business Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69679/jian.v4i1.6507

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan profitabilitas antara bank BUMN dan bank swasta dalam kategori Buku 4 selama periode 2018-2023, dengan menyoroti dampak pandemi COVID-19 terhadap kinerja keuangan mereka. Objek penelitian meliputi tiga bank BUMN, yaitu Bank Mandiri, Bank Rakyat Indonesia (BRI), dan Bank Negara Indonesia (BNI), serta tiga bank swasta, yakni Bank Central Asia (BCA), Panin Bank, dan Bank Danamon. Kinerja keuangan dianalisis menggunakan indikator profitabilitas utama, seperti ROA (Return on Assets), ROE (Return on Equity), dan NIM (Net Interest Margin). Metode penelitian mencakup analisis data secara deskriptif untuk menggambarkan tren rasio keuangan, serta analisis komparatif menggunakan Independent T-Test untuk mengevaluasi perbedaan pertumbuhan rasioprofitabilitas antara Bank BUMN dan Bank Swasta. Hasil penelitian menunjukkan bahwa pandemi COVID-19 memberikan dampak signifikan terhadap profitabilitas seluruh bank pada tahun 2020. Namun, baik bank BUMN maupun swasta mampu menunjukkan tingkat ketahananyang seimbang dalam menghadapi tantangan tersebut.
Diversifikasi Produk Jagung sebagai Upaya Peningkatan Nilai Tambah di Desa Tarowang Jeneponto Hasdiansa, Ilma Wulansari; Hasbiah, Sitti; Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Riu, Isma Azis
Seminar Nasional Pengabdian Kepada Masyarakat SEMINAR NASIONAL 2025:PROSIDING EDISI 6
Publisher : Seminar Nasional Pengabdian Kepada Masyarakat

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Abstract

Abstrak – Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas dan nilai tambah ekonomi petani jagung melalui sosialisasi inovasi produk olahan berbasis jagung di Desa Tarowang, Kabupaten Jeneponto. Kegiatan dilaksanakan pada 21 Juni 2025 secara terpadu di Balai Desa Tarowang, melibatkan 50 peserta yang terdiri atas petani, ibu rumah tangga, dan pemuda karang taruna. Metode pelaksanaan mencakup sosialisasi interaktif, demonstrasi pengolahan produk, dan diskusi partisipatif yang berfokus pada pemanfaatan seluruh bagian jagung, meliputi biji, rambut, dan tongkol, menjadi produk bernilai ekonomi seperti teh rambut jagung, sirup jagung, dan teh jagung panggang. Hasil kegiatan menunjukkan peningkatan pengetahuan dan kesadaran peserta terhadap diversifikasi produk olahan serta potensi pengembangan usaha mikro berbasis pertanian lokal. Kegiatan ini memberikan kontribusi nyata terhadap penguatan kapasitas masyarakat dalam pengolahan hasil pertanian secara berkelanjutan dan mendorong terciptanya model pemberdayaan desa berbasis agribisnis lokal. Rekomendasi tindak lanjut mencakup pelatihan lanjutan dan pendampingan kewirausahaan untuk memastikan keberlanjutan program di tingkat rumah tangga.Kata kunci: jagung, inovasi produk, sosialisasi, nilai tambah, pemberdayaan masyarakat
Green Human Resource Management dalam Literatur 2021–2025: Analisis Bibliometrik dan Sintesis Tematik Iswardhani, Indri; Nasir, Sri Astuti; Sandira, Nur Fadilah Ayu
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 6 No 1 (2026): Edisi Januari 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v6i1.2408

Abstract

This study aims to provide a comprehensive overview of the development of Green Human Resource Management (Green HRM) research during the 2021–2025 period, while identifying dominant practices, industrial contexts, methodological trends, and research gaps emerging in recent literature. This work employs a Systematic Literature Review (SLR) approach guided by the PRISMA 2020 protocol and structured using the PICOC framework to clarify the analytical boundaries. A systematic search conducted through the Scopus database generated an initial dataset of 200 articles, which was later screened using inclusion–exclusion criteria, resulting in 93 eligible articles for in-depth analysis. The analysis was carried out through two complementary approaches: bibliometric analysis to map publication characteristics and thematic synthesis to identify substantive patterns in GHRM practices, variable relationships, and organizational settings. The findings indicate a significant increase in Green HRM publications during the review period, with a strong predominance of studies originating from Asian countries and service-related industries such as hospitality, banking, healthcare, and manufacturing. The most frequently examined GHRM practices include green training and development, green recruitment and selection, green rewards, and green performance appraisal. Methodologically, more than 70% of the reviewed studies adopt quantitative survey-based approaches using SEM/PLS, while qualitative and mixed-method studies remain limited. Several research gaps were identified, including the lack of longitudinal designs, the dominance of single-country contexts in developing nations, limited exploration of nontraditional industrial sectors, and the need to examine more diverse mediating and moderating mechanisms. These findings provide a strong foundation for shaping a more comprehensive and sustainable future research agenda on Green HRM.
Transformasi Digital Layanan Gadai Emas: Pengalaman Konsumen dalam Inovasi Layanan Berbasis Aplikasi Tring! by Pegadaian Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Iswardhani, Indri; Nasir, Sri Astuti; Oktariani, Andi Rinda
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.481

Abstract

This study provides a deeper understanding of how digitalization and service innovation within traditional service institutions are interpreted and experienced by consumers, particularly in the context of gold pawn services through the Tring! by Pegadaian application. The findings indicate that Pegadaian’s digital transformation is not solely oriented toward process efficiency but significantly shapes a service experience that is more convenient, secure, and flexible for users. Perceived ease of use emerges as the most dominant factor in forming a positive consumer experience. A simple interface, clear transaction flow, and the ability to conduct transactions without physical presence enhance perceptions of efficiency and service convenience. These results confirm that the success of digital service innovation largely depends on the extent to which technology aligns with users’ capabilities and needs, rather than merely on system sophistication. Beyond usability, institutional trust plays a central role in the adoption of digital gold pawn services. Pegadaian’s reputation as a state-owned enterprise, the assurance of physical gold availability through a 1:1 system, and data security protections significantly reduce consumers’ psychological risk when engaging in high-value asset-based digital services. This finding suggests that digital transformation in traditional financial services requires a strong foundation of trust to achieve broad acceptance. The study also emphasizes that digitalization does not fully replace conventional services; instead, it fosters a hybrid service model integrating digital and face-to-face channels. This model enables service flexibility while maintaining inclusivity, particularly for consumers with varying levels of digital literacy. Thus, digital innovation functions as a strategic complement that enriches the service ecosystem rather than serving as a complete substitute for physical interaction. Overall, this research contributes to the development of service innovation and consumer experience literature by providing qualitative empirical evidence from a traditional service sector undergoing digital transformation. The findings underscore that the primary value of digitalization lies in consumers’ subjective experiences and in the organization’s ability to continuously align technology, trust, and integrated service channels.
Dari Bertahan Menuju Bertumbuh:Peran Human Capital Pegadaian dalam Transformasi Nasabah Gadai Menjadi Investor Emas Sri Astuti Nasir; Iswardhani, Indri; Sarah, Nulthazam; Sandira, Nur Fadilah Ayu; Ginting, Josafat Gracia
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.499

Abstract

This study investigates the strategic role of human capital at Pegadaian in transforming customers from a survival-oriented mindset—where gold is perceived merely as a collateral instrument during emergencies—toward a growth-oriented mindset in which gold is understood as a long-term investment asset. Using a qualitative exploratory design, the research is based on in-depth interviews with ten customers who transitioned from pawn service users to gold investors. The findings reveal that this transformation is mediated by Pegadaian employees who act as financial change agents. Three key mechanisms are identified. First, employees build trust by leveraging relationships previously established through pawn transactions. Second, they provide contextualized financial education that bridges traditional perceptions of gold with modern investment concepts. Third, they offer continuous assistance throughout the gold investment process. The results demonstrate that the success of financial institution transformation largely depends on the capacity of its human capital to function as translators of financial culture. Their role extends beyond increasing financial literacy to reshaping customers’ economic behavior from short-term consumption toward long-term wealth accumulation. This study highlights that employee competency development serves as a crucial driver of customer financial literacy and inclusion.
Co-Authors Agus Syam Arifin Bando, Ushwa Dwi Masrurah Bando, Ushwa Dwi Masrurah Arifin Hasbiah, Sitti Ilma Wulansari Hasdiansa Indri Iswardhani Irwan, Andi Muhammad Isma Azis Riu Josafat Gracia Ginting M. Ihsan Said Ahmad M. Yunasri Ridhoh MUHAMMAD DINAR MUSTARI Nulthazam Sarah Oktariani, Andi Rinda Rostina Rostina Rostina Sachrir, Muh. Irshan Sarah, Nulthazam Sri Astuti Nasir Sumiati Windarsari, Wiwin Riski