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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Seminar Nasional Pengabdian Kepada Masyarakat Journal Online Manajemen ELPEI (JOMEL) Business Management Seminar Nasional Hasil Penelitian LP2M UNM 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 Jurnal Ilmiah Manajemen dan Akuntansi Manfaat: Jurnal Pengabdian Pada Masyarakat Indonesia Journal of Studies in Academic, Humanities, Research, and Innovation Jurnal Ilmiah Manajemen Dan Kewirausahaan Jurnal Ilmiah Akuntansi dan Keuangan (JIAN)
Nulthazam Sarah
Universitas Negeri Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering 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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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

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

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
Ethical Analysis Of Dark Pattern Marketing On The Shopee E-Commerce Platform Among University Students In Makassar City Nulthazam Sarah
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.915

Abstract

The digitalisation of commerce has introduced the phenomenon of dark pattern marketing, which manipulates consumer decisions through strategic interface design. This research explores the implementation, perception, and ethical implications of dark patterns on the Shopee platform for university students in Makassar City, who are active digital consumers. Using a descriptive qualitative approach with semi-structured interviews of ten active Shopee-using students, the study identified six dominant dark pattern categories: false urgency, hidden costs, forced continuity, confirm shaming, trick questions, and obstruction. Findings show false urgency is the most prevalent tactic, affecting all participants and creating a 'fear of missing out' that drives impulsive purchases. A paradox of awareness was revealed, where only 40% of students recognised the design manipulation, despite being highly educated digital natives. The economic impact reaches IDR 150,000–IDR 400,000 per month per individual through overspending and unplanned purchases. The ethical implications indicate fundamental breaches of the principles of honesty, transparency, and consumer autonomy, resulting in significant erosion of trust, with 60% of participants stating an intention to reduce their shopping activity. This research affirms that dark patterns are not merely a technical issue but a business ethics problem threatening the sustainability of the e-commerce ecosystem. Recommendations include the adoption of ethical design by platforms, strengthening digital consumer protection regulations, integrating consumer literacy into higher education, and multi-stakeholder collaboration to create a fair and transparent digital ecosystem.
Penguatan Kapasitas Mahasiswa dalam Meningkatkan Kesadaran Hak Asasi Manusia di Era Digital M. Yunasri Ridhoh; Sri Astuti Nasir; Indri Iswardhani; Nur Fadilah Ayu Sandira; Nulthazam Sarah
Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia Vol. 3 No. 1 (2026): February: Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia
Publisher : Asosiasi Riset Ilmu Tanaman Dan Hewan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/manfaat.v3i1.559

Abstract

The rapid development of digital technology has brought significant changes to social life, particularly among university students as an educated group and agents of change. On the one hand, digital spaces provide opportunities for freedom of expression and public participation; on the other hand, they also present various challenges related to Human Rights (HR), such as privacy violations, the spread of hate speech, disinformation, and cyberbullying. These conditions highlight the importance of strengthening students’ capacity to ensure they possess adequate understanding and awareness of human rights values in the digital era. This community service article aims to enhance students’ human rights awareness through capacity-building activities conducted within the university environment. The service method was implemented through educational activities in the form of seminars, material presentations, and interactive discussions addressing fundamental human rights concepts, digital ethics, privacy protection, and responsible freedom of expression.The results of the activities indicate an increase in students’ understanding and awareness of human rights issues in the digital era, as well as the development of more critical and ethical attitudes in utilizing digital spaces. This initiative also strengthened the synergy between higher education institutions and the government in promoting human rights awareness among students. Overall, this community service activity makes a positive contribution to strengthening students’ capacity to face human rights challenges in the digital era.
Penguatan Wawasan Kebangsaan dan Soft Skill Mahasiswa ADik melalui Pendampingan Partisipatif Reflektif M. Yunasri Ridhoh; Nur Fadilah Ayu Sandira; Indri Iswardhani; Nulthazam Sarah; Sri Astuti Nasir
Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia Vol. 3 No. 1 (2026): February: Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia
Publisher : Asosiasi Riset Ilmu Tanaman Dan Hewan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/manfaat.v3i1.560

Abstract

This community service program aimed to strengthen national insight and soft skills among ADik scholarship students through a participatory and reflective mentoring approach. Many students come from underdeveloped, frontier, and outermost regions with diverse socio-cultural backgrounds, requiring contextual guidance to internalize national values and develop essential interpersonal competencies. The program combined interactive socialization, group discussions, and value reflection activities to encourage active participation and personal engagement. The method emphasized dialogic learning rather than one-way lectures, allowing students to relate national values to their lived experiences. The findings revealed noticeable behavioral changes, including increased confidence in expressing opinions, stronger participation in discussions, improved communication skills, and heightened awareness of ethical conduct and financial responsibility as scholarship recipients. The emergence of several students as informal local leaders during discussions indicated early signs of social transformation at the individual level. This program demonstrates that reflective and participatory mentoring can effectively foster character building, leadership, and contextual national awareness among university students. The implications suggest that similar approaches can be adopted in student development programs to promote sustainable character formation, especially for students from diverse and remote regions.
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.
Pengaruh Digital Eco-Labels terhadap Kesediaan Konsumen Membayar Harga Lebih Mahal pada Marketplace Nulthazam Sarah; Nur Fadilah Ayu Sandira; Indri Iswardhani; Sri Astuti Nasir
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 5 No. 2 (2026): Mei: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v5i2.6768

Abstract

The proliferation of digital commerce platforms has transformed consumer behavior while simultaneously elevating environmental consciousness among Indonesian consumers. This research investigates the influence of digital eco-labels on consumer willingness to pay premium prices on marketplace platforms, specifically Shopee and Tokopedia, within Indonesian urban contexts. Employing a quantitative associative research design, this study collected data from 50 active marketplace users through purposive sampling techniques using structured questionnaires with five-point Likert scales. Multiple linear regression analysis was conducted to examine the relationships between digital eco-labels and willingness to pay premium prices, with perceived credibility and environmental knowledge as moderating variables. The findings reveal that digital eco-labels significantly and positively influence willingness to pay premium prices with a beta coefficient of 0.438 and significance level of 0.000. Perceived credibility effectively moderates this relationship with a coefficient of 0.312, while environmental knowledge demonstrates a moderating effect with a coefficient of 0.276. The research model explains 64.7 percent of the variance in willingness to pay premium prices. These empirical results confirm the applicability of Theory of Planned Behavior and signaling theory in the context of sustainable digital consumption in Indonesia. The study contributes theoretical insights into green consumer behavior within emerging market e-commerce platforms and provides practical implications for marketplace operators to develop transparent third-party verification systems for eco-labels, integrate educational content regarding sustainability, and optimize search algorithms to enhance visibility of verified sustainable products. Policy implications emphasize the necessity for governmental regulation standardizing digital sustainability labels and monitoring environmental claims in e-commerce to prevent greenwashing practices.
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.
CUSTOMER EXPERIENCE DAN SERVICESCAPE PADA DESTINASI WISATA: ANALISIS 7P DAN DAMPAKNYA TERHADAP REVISIT INTENTION DI PANTAI BOSOWA Nur Fadilah Ayu Sandira; Nulthazam Sarah
Jurnal Ilmiah Manajemen dan Akuntansi Vol. 3 No. 2 (2026): Maret : Jurnal Ilmiah Manajemen dan Akuntansi
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/6mt4tm11

Abstract

The increasing competition among urban beach tourism destinations, which requires managers to create memorable experiences in order to enhance tourists’ revisit intention. Pantai Indah Bosowa, as one of the coastal destinations in Makassar City, offers a unique integration of natural scenery and commercial facilities that shape a distinctive recreational atmosphere. This research aims to analyze the role of customer experience and visual servicescape in influencing tourists’ revisit intention. A qualitative approach was employed through in-depth interviews and field observations. The findings reveal that emotional, sensory, and social experiences derived from sea views, sunset ambiance, cafés with live music, aesthetic photo spots, gazebos, and supporting facilities are the dominant factors encouraging revisit intention. Physical evidence and visual spatial configuration were identified as the most influential elements in shaping positive tourist experiences. The study concludes that the success of urban beach destinations is determined not merely by pricing and promotional strategies, but primarily by their ability to consistently create authentic, engaging, and memorable experiences for visitors.
Pengaruh Pengalaman Konsumen dan Kepercayaan Terhadap Keputusan Pembelian Pada Live-Commerce di TikTok Shop Indonesia Nur Fadilah Ayu Sandira; Nulthazam Sarah; Sri Astuti Nasir; Indri Iswardhani; Muh. Irshan Sachrir
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 4 No. 3 (2026): Edisi Januari - April
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v4i3.628

Abstract

Perkembangan live commerce telah mengubah pola belanja digital menjadi pengalaman yang interaktif dan berlangsung secara real time. TikTok Live Commerce mengintegrasikan unsur hiburan, interaksi sosial, dan transaksi instan, sehingga memengaruhi cara konsumen dalam mengambil keputusan pembelian. Meskipun adopsinya terus meningkat, kajian empiris yang menjelaskan bagaimana faktor psikologis secara simultan memengaruhi keputusan pembelian aktual dalam konteks live commerce masih terbatas. Penelitian ini bertujuan untuk menganalisis pengaruh consumer experience dan trust terhadap keputusan pembelian pada TikTok Live Commerce. Penelitian menggunakan pendekatan kuantitatif dengan desain kausal. Data dikumpulkan dari 100 pengguna TikTok yang pernah melakukan pembelian melalui TikTok Live Commerce dalam enam bulan terakhir dan dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa consumer experience berpengaruh positif dan signifikan terhadap keputusan pembelian (β = 0,331; p < 0,01), sedangkan trust memiliki pengaruh yang lebih kuat (β = 0,525; p < 0,001). Secara simultan, kedua variabel mampu menjelaskan 67,6% variasi keputusan pembelian, yang menunjukkan daya jelaskan model yang tinggi. Hasil penelitian ini mengindikasikan bahwa keputusan pembelian dalam live commerce tidak hanya ditentukan oleh faktor fungsional, tetapi juga oleh sinergi antara pengalaman konsumen yang imersif dan kepercayaan yang terbentuk melalui interaksi real time. Penelitian ini memberikan kontribusi pada literatur social commerce dengan menegaskan peran strategis consumer experience dan trust dalam mempercepat serta memperkuat keputusan pembelian pada platform live commerce.
Pengaruh Risiko Likuiditas dan Risiko Kredit terhadap Kinerja Keuangan pada Bank Digital Periode 2020-2024 Indri Iswardhani; Muhammad Rijal Alim Rahmat; Nur Fadilah Ayu Sandira; Nulthazam Sarah; Sri Astuti Nasir
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5904

Abstract

This study aims to analyze the influence of liquidity risk and credit risk on the financial performance of digital banks listed on the Indonesia Stock Exchange for the 2020-2024 period. The research employs an explanatory quantitative approach with a sample of four digital banks selected through purposive sampling. Data were analyzed using multiple linear regression with independent variables Loan to Deposit Ratio (LDR) for liquidity risk and Non-Performing Loan (NPL) for credit risk, and the dependent variable Return on Assets (ROA) for financial performance.The results show that simultaneously, LDR and NPL have a significant effect on ROA. Partially, LDR proves to have a positive and significant effect on ROA, while NPL does not show a significant effect. These findings indicate that liquidity management plays a more critical role in determining the financial performance of digital banks compared to credit risk. This study recommends that digital bank management focus on optimizing liquidity management to improve profitability, while still paying attention to the potential impact of credit risk in the long term.
Co-Authors Andi Rinda Oktariani Arifin Bando, Ushwa Dwi Masrurah Bando, Ushwa Dwi Masrurah Arifin Hasbiah, Sitti Ilma Wulansari Hasdiansa Indri Iswardhani Isma Azis Riu Josafat Gracia Ginting M. Yunasri Ridhoh Muh. Irshan Sachrir Muh. Irshan Sachrir Muhammad Rijal Alim Rahmat Nur Fadilah Ayu Sandira Rostina Rostina Sri Astuti Nasir Windarsari, Wiwin Riski