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Literasi Keuangan Digital dan Keberlanjutan UKM: Peran Mediasi Manajemen Risiko Haruna, Hasisa; Ridha, Achmad; Adriansyah, Adriansyah; Zaimar, Fina Ruzika; Windarsari, Wiwin Riski
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 4 No. 6 (2026): Mei 2026
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v4i6.263

Abstract

Penelitian ini mengkaji pengaruh literasi keuangan digital terhadap keberlanjutan bisnis UKM dengan mempertimbangkan peran mediasi manajemen risiko. Studi ini merespons kesenjangan literatur yang masih terbatas dalam menjelaskan mekanisme bagaimana literasi keuangan digital diterjemahkan menjadi kinerja jangka panjang. Mengintegrasikan Resource-Based View dan Dynamic Capability Theory, penelitian ini menggunakan pendekatan kuantitatif dengan desain survei lintas-seksional pada UKM kuliner di Makassar. Analisis dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil menunjukkan bahwa literasi keuangan digital berpengaruh positif dan signifikan terhadap keberlanjutan bisnis. Selain itu, literasi keuangan digital secara signifikan meningkatkan kapabilitas manajemen risiko, yang juga berpengaruh positif terhadap keberlanjutan bisnis. Analisis mediasi mengonfirmasi bahwa manajemen risiko berperan sebagai mediator parsial dalam hubungan tersebut. Temuan ini menunjukkan bahwa keberlanjutan bisnis tidak hanya ditentukan oleh kepemilikan literasi keuangan digital, tetapi juga oleh kemampuan UKM dalam mengoperasionalkannya melalui praktik manajemen risiko. Studi ini memberikan kontribusi teoretis dengan menekankan pentingnya pendekatan berbasis mekanisme, serta implikasi praktis bagi pengembangan kapasitas UKM secara terintegrasi.
Factors Driving Purchase Intention of Reject Fashion Products at Factory Outlets: An Empirical Study in Makassar, Indonesia Ridha, Achmad; Anastasya, Lidya
Economics and Business Journal (ECBIS) Vol. 4 No. 4 (2026): May
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i4.317

Abstract

This study investigates factors driving purchase intention toward reject fashion products at factory outlets in Makassar, Indonesia. Reject products garments that fail manufacturer quality control standards but are sold legally at discounted prices represent an underexplored segment of circular fashion consumption. Drawing on the Theory of Planned Behavior and the Value-Based Adoption Model, this study tests a structural model in which four antecedents defect transparency, price perception, environmental consciousness, and store reputation influence purchase intention through the mediating role of perceived value. A quantitative survey was conducted with 250 consumers who visited factory outlets in Makassar. Data were analyzed using PLS-SEM via SmartPLS 4.0. Common Method Bias was confirmed absent using Harman's Single Factor Test and Full Collinearity VIF. Results indicate that all four antecedents positively influence perceived value, which strongly predicts purchase intention. Price perception is the dominant driver, followed by store reputation, environmental consciousness, and defect transparency. Perceived value fully mediates the effect of defect transparency and partially mediates the remaining three antecedents. These findings contribute to circular fashion consumer behavior literature and offer practical guidance for factory outlet operators in Eastern Indonesia.
Stopping The Scroll: Visual Triggers Of User Attention In Short-Video Advertising Achmad Ridha
International Journal of Interdisciplinary Research Vol. 2 No. 2 (2026): Vol 2 no 2 July 2026
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijir.v2i2.1606

Abstract

The proliferation of short-video platforms has fundamentally altered advertising dynamics, compelling marketers to capture user attention within two to three seconds before the scroll moves on. While prior research has explored the experiential dimensions of attention and cognitive flow in TikTok advertising, no study has systematically identified and mechanistically explained the specific visual elements that arrest scrolling behavior and trigger initial attention, a gap that leaves the first causal link in the advertising effectiveness chain theoretically unaddressed. This study employs a qualitative explanatory approach to investigate which visual triggers are most effective in capturing user attention during short-video ad consumption and to explain the cognitive and perceptual mechanisms through which they operate. Drawing on stimulus-based semi-structured interviews with twelve active TikTok users in Makassar City, Indonesia, and guided by visual salience theory, the findings identify four dominant visual trigger categories: (1) dynamic motion and rapid transitions, (2) human facial expression and direct eye contact, (3) high-contrast color compositions, and (4) text overlay and caption placement. The study explains how each trigger operates through distinct perceptual pathways, activating bottom-up attentional capture before top-down cognitive processing can engage. These findings extend Ridha's (2024) phenomenological account of attention experience by moving beyond description to specify the visual mechanisms that initiate the attentional entry phase, a contribution that bridges visual salience theory with digital attention phenomenology in a non-Western short-video market. Practical implications are offered for digital advertisers designing scroll-stopping creative content in the Indonesian short-video market.
Peningkatan Pemahaman ASN Kota Makassar tentang Tujuan Pembangunan Berkelanjutan dan Praktik Bisnis Berkelanjutan Rijal Alim Rahmat; Abdul Rachman; Achmad Ridha; Azlan Azhari; Anang Setiawan
Ininnawa : Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2026): Vol. 4 No. 1 (2026): Volume 04 Nomor 01 (Mei 2026)
Publisher : Program Studi Manajemen FEB UNM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/myv60k10

Abstract

Tujuan Pembangunan Berkelanjutan (TPB) atau Sustainable Development Goals (SDGs) merupakan agenda global yang menuntut kontribusi aktif seluruh pemangku kepentingan, termasuk Aparatur Sipil Negara (ASN) di tingkat daerah. Namun, pemahaman ASN tentang TPB, bisnis berkelanjutan, dan mekanisme evaluasi capaian indikator masih terbatas. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan pemahaman ASN Kota Makassar tentang evaluasi kinerja capaian TPB dan peran bisnis berkelanjutan, khususnya UMKM, dalam mendukung pencapaian SDGs. Kegiatan dilaksanakan pada 28 April 2026 di Aula Rapat Bappeda Kota Makassar dan dihadiri oleh ASN dari tingkat dinas hingga kecamatan. Metode yang digunakan adalah ceramah interaktif dan diskusi kelompok, dengan instrumen pengukuran berupa pre-test dan post-test lima pertanyaan. Hasil menunjukkan peningkatan pemahaman yang signifikan pada seluruh aspek, dengan rata-rata kenaikan jawaban benar sebesar 58,8 poin persentase, dari rata-rata 24,2% pada pre-test menjadi 83,0% pada post-test. Peningkatan tertinggi terjadi pada aspek pemahaman bisnis berkelanjutan (76 poin), sedangkan peningkatan terendah tercatat pada aspek peran UMKM (52 poin). Kegiatan ini membuktikan bahwa pendekatan penyuluhan terstruktur efektif meningkatkan literasi TPB di kalangan ASN, dan direkomendasikan untuk dilanjutkan secara berkala di seluruh perangkat daerah Kota Makassar.
The Sweet Consumption Trap: The Role Of Brand Image And Sensory Appeal In Sustaining High-Sugar Beverage Consumption Achmad Ridha; Fina Ruzika Zaimar
International Journal of Education Management and Religion Vol. 3 No. 2 (2026): July 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i2.1172

Abstract

Despite increasing awareness of the health risks associated with excessive sugar consumption, the demand for high-sugar beverages remains persistently high. This phenomenon suggests that factors beyond rational health considerations play a critical role in shaping sustained consumption behavior. This study aims to examine the roles of brand image and sensory appeal in sustaining high-sugar beverage consumption, with emotional attachment serving as a mediating mechanism and health risk awareness included as a control variable. Using a quantitative approach, data were collected through a survey of high-sugar beverage consumers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The results indicate that both brand image and sensory appeal have significant positive effects on emotional attachment and continuance purchase intention. Emotional attachment emerges as a key predictor of continuance purchase intention and partially mediates the relationships between brand image, sensory appeal, and sustained consumption behavior. Health risk awareness is found to negatively influence continuance purchase intention, although its effect is weaker compared to affective and sensory-driven factors. These findings highlight the presence of a sweet consumption trap, in which emotional and sensory mechanisms reinforce continued consumption despite consumers’ awareness of health risks. The study contributes to the literature by offering an integrated framework that explains the persistence of unhealthy consumption and provides insights for both marketing strategy and public health interventions.
Strategic Human Resource Development And Digital Leadership Toward Employee Performance In Smart Organizations Muh. Anugrah Prabowo Putra; Fitriani; Achmad Ridha
International Journal of Education Management and Religion Vol. 3 No. 2 (2026): July 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i2.1359

Abstract

This study investigates the influence of Strategic Human Resource Development (SHRD) and Digital Leadership (DL) on Employee Performance (EP) within the context of smart organizations in Makassar City, Indonesia. The study responds to the accelerating digital transformation that requires organizations to strengthen both human capital strategies and leadership competencies. Using a quantitative explanatory design, data were collected from 150 employees and line managers across financial services, digital marketing, and telecommunication sectors through a structured questionnaire using a seven-point Likert scale. The data were analyzed with Partial Least Squares–Structural Equation Modeling (PLS-SEM) using SmartPLS 4.0. The measurement model showed satisfactory reliability and validity (CR > 0.80; AVE > 0.50), while the structural model revealed that both SHRD (β = 0.61; p < 0.001) and DL (β = 0.21; p < 0.01) significantly influence employee performance, explaining 58.2% of its variance (R² = 0.582). These results indicate that strategic HRD serves as a stronger and more direct predictor of performance, while digital leadership functions as a contextual enabler fostering innovation and adaptability. Theoretically, the study extends the Resource-Based View and Dynamic Capability Theory, demonstrating that performance in smart organizations is achieved through the synergy between structured human development and visionary leadership. Practically, it emphasizes that sustainable digital transformation in emerging economies must begin with strategic human transformation. Future research should explore mediating variables such as engagement or digital culture to enrich the conceptual framework of digital HRD.
Edukasi Literasi Keuangan Mahasiswa melalui Metode Kakeibo untuk Pengelolaan Keuangan Pribadi Fina Ruzika Zaimar; Hasisa Haruna; Wiwin Riski Windasari; Adriansyah; Achmad Ridha
MAMMIRI: JURNAL PENGABDIAN MASYARAKAT Vol. 3 No. 2 (2026): Juni 2026
Publisher : Education and Talent Development Center Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/mammiri.v3i2.5098

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman mahasiswa mengenai pentingnya literasi keuangan dan perilaku pengelolaan keuangan yang efektif. Kegiatan dilaksanakan dalam bentuk sharing session bertema “Fundamentals of Financial Literacy for Effective & Smart Financial Management” pada mahasiswa Program Studi Akuntansi S1 Universitas Negeri Makassar yang diikuti oleh 35 peserta. Materi yang diberikan meliputi konsep dasar literasi keuangan, financial behavior, pengelolaan cash flow sederhana, perbedaan kebutuhan dan keinginan, serta penerapan metode Kakeibo sebagai strategi pengelolaan keuangan pribadi. Metode pelaksanaan dilakukan melalui pemaparan materi, diskusi interaktif, dan evaluasi sederhana terkait pemahaman peserta. Hasil evaluasi menunjukkan bahwa sebagian besar peserta memahami pentingnya pengendalian pengeluaran dan penyusunan anggaran setelah kegiatan berlangsung. Sekitar 85% peserta menyatakan mulai memahami penerapan metode Kakeibo dalam pengelolaan keuangan sehari-hari, sedangkan 80% peserta menyatakan lebih sadar terhadap perbedaan antara kebutuhan dan keinginan setelah mengikuti kegiatan. Selain itu, peserta menunjukkan antusiasme tinggi selama sesi diskusi dan refleksi kegiatan. Kegiatan ini diharapkan dapat membantu mahasiswa membangun perilaku keuangan yang sehat dan lebih bijak dalam mengelola keuangan pribadi.