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All Journal Jurnal Ekonomi dan Bisnis Jagaditha Ilmu Administrasi Publik Holistic Journal Of Management Research JAKPP : Jurnal Analisis Kebijakan & Pelayanan Publik Jurnal Organisasi Dan Manajemen Jurnal Pendidikan Terbuka Dan Jarak Jauh SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Bisma: Jurnal Bisnis dan Manajemen JMS : Jurnal Manajemen Sinergi Hibualamo : Seri Ilmu-Ilmu Sosial dan Kependidikan AkMen JURNAL ILMIAH JISIP: Jurnal Ilmu Sosial dan Pendidikan Journal of Saintech Transfer Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Journal Of Management Science (JMAS) Jurnal Pendidikan Cakrawala Management Business Journal International Journal of Economics Development Research (IJEDR) Jurnal Ilmiah Profesi Pendidikan Jurnal Ilmiah Manajemen Kesatuan Enrichment : Journal of Management Journal of Economic, Public, and Accounting (JEPA) BJRM (Bongaya Journal of Research in Management) Al Qisthi: Jurnal Sosial dan Politik Coopetition : Jurnal Ilmiah Manajemen Journal of Management and Bussines (JOMB) Akrab Juara : Jurnal Ilmu-ilmu Sosial Al-Qisthi: Jurnal Sosial dan Politik Terbuka Journal of Economics and Business INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Indonesian Community Journal Jurnal Pengabdian Mandiri JURNAL SIPISSANGNGI: Jurnal Pengabdian Kepada Masyarakat JAQ Jurnal Manajemen, Akuntansi, Ekonomi Journal of Artificial Intelligence and Digital Business JAMAS: Jurnal Abdi Masyarakat Jurnal Strategi Bisnis Teknologi Asian Journal of Management, Entrepreneurship and Social Science Society Jurnal Riset Multidisiplin Edukasi Journal of Management Branding Indonesia Economic Journal
Anfas, Anfas
Jurusan Manajemen, Fakultas Ekonomi, Universitas Terbuka
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The Impact of Digitalization Through QRIS Utilization on MSMEs Performance in Expanding Market Reach and Enhancing Transaction Efficiency Agustiani, Wulan; Anfas, Anfas
International Journal of Education, Information Technology, and Others Vol 8 No 4 (2025): International Journal of Education, information technology   and others
Publisher : Peneliti.net

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

Abstract

The development of digital technology has had a profound impact on financial transaction systems and business patterns, particularly for Micro, Small, and Medium Enterprises (MSMEs). One of the most influential innovations is the Quick Response Code Indonesian Standard (QRIS), developed by Bank Indonesia. This study aims to analyze the effect of QRIS utilization on MSME actors in expanding market reach and enhancing transaction efficiency. The research employs a qualitative descriptive approach based on literature review and secondary data analysis obtained from Bank Indonesia, the Financial Services Authority (OJK), and the Ministry of Cooperatives and SMEs. The findings indicate that the adoption of QRIS has increased transaction efficiency by up to 35% and broadened the digital market reach of MSMEs. Nevertheless, several challenges persist, including low levels of digital literacy and limited network infrastructure in certain regions. This study affirms that QRIS plays a crucial role in strengthening financial inclusion and enhancing national economic competitiveness.
Financial Stress, Dampak dan Strategi Penanganannya Pada Mahasiswa Selama Studi Anfas, Anfas; Syamsuddin, Fajar Rakasiwi
Coopetition : Jurnal Ilmiah Manajemen Vol. 16 No. 3 (2025): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/s7bwy963

Abstract

This research systematically reviews the factors influencing student financial stress, its impact on academic success, and effective coping strategies. A literature review of studies published between 2020 and 2025 reveals that student financial stress results from the interaction of personal factors (literacy, self-efficacy, attitude towards debt), structural factors (cost of education and economic conditions), and situational factors (the pandemic and social pressure). The reported impacts encompass mental health, academic motivation, and general well-being. Mitigation efforts require a holistic approach combining financial education, psychological support, and institutional policies to foster a learning environment that is financially and emotionally healthier. This review contributes to enriching the understanding of the importance of student financial well-being for long-term academic success.
Strategi Diferensiasi Warung Kelontong Multi-Layanan : Inovasi Layanan Transaksi Digital dalam Menciptakan Keunikan Bersaing di Kawasan Padat Pesaing Irma Iqlima Nurussa’ban; Anfas Anfas
Jurnal Strategi Bisnis Teknologi Vol. 2 No. 4 (2025): November : Jurnal Strategi Bisnis Teknologi (JUSBIT)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jusbit.v2i4.1052

Abstract

This research aims to throughly explore the differentiation strategy model implemented by the small-medium enterprise (SME) grocery store of  "Yussandi Komunika," in integrating digital transaction services such as prepaid credits, electricity tokens, and e-wallet top-ups, as an effort to create a competitive advantage. The background of the problem is driven by the highly competitive conditions in densely populated areas, where traditional grocery stores are compelled to transform in order to maintain their business relevance.Digital service innovation, presented through an adaptive and user-focused platform, has proven to be a core competency that is difficult to imitate and rare, simultaneously providing a sustainable competitive advantage. This innovation not only addresses the challenges of densely populated conditions but also establishes a new standard for efficiency and customer experience in a competitive market.The effective differentiation model for multi-service grocery stores in highly competitive areas is not solely based on price, but rather on a combination of services and the quality of interpersonal service. The store transforms into a "mini service point" offering one-stop shopping convenience for customers. The main differentiation strategies identified include: (1) Core Service Differentiation (offering comprehensive PPOB (Payment Point Online Banking) services and e-wallet balance availability), (2) Personnel Differentiation (quality of communication and speed of friendly service), and (3) Image Differentiation (creating a perception as a trustworthy and modern store).  
Penerapan Word of Mouth dalam Membangun Kepercayaan Masyarakat dan Brand Image Universitas pada Keputusan Pemilihan UPBJJ-UT Ternate Anfas Anfas; Ida Hidayanti; Mohbir Umasugi; Ibnu Sina Hi. Yusuf
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.308

Abstract

This study examines the application of word of mouth to build community trust and university brand image on the community selection decision for UPBJJ-UT Ternate. The samples were obtained from eight regencies in North Maluku Province through a survey method aided with Smart PLS 3.8 analysis. In addition to the insignificant effect of university image on community selection decision, the findings indicated that (1) university image has a significant effect on word of mouth, (2) community trust has a significant effect on word of mouth, (3) community trust has a significant effect on selection decision, and (4) word of mouth has a significant effect on community selection decision.
The Impact of Financial Behavior and FinTech Utilization on Student Retention at Universitas Terbuka Kendari Anfas Anfas; Arifuddin Mas’ud; H. Hendrian; Julia Safitri
Jurnal Ekonomi dan Bisnis Jagaditha Vol. 13 No. 1 (2026): Jurnal Ekonomi dan Bisnis Jagaditha
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.66-73

Abstract

This study employs a quantitative approach to examine the effect of financial behavior (X1) and fintech utilization (X2) on student study retention (Y). The population of this research consists of students at Universitas Terbuka Kendari, with a total sample of 204 respondents. Data were analyzed using linear regression, both in partial and multiple models. The findings reveal that: (1) Financial behavior has a significant impact on student retention, indicating that students who manage their finances more responsibly are more likely to complete their studies. (2) Fintech utilization also significantly affects student retention, as the ease of financial transactions facilitated by fintech supports students in meeting their academic obligations. (3) Collectively, financial behavior and fintech utilization explain 49.9% of the variance in student retention, underscoring the critical role of financial aspects in sustaining academic continuity, particularly within the context of Universitas Terbuka Kendari, a higher education institution operating through a distance learning system.
The Influence of Personality Traits and Sharing Economy Participation on Impulsive Buying Behavior among University Students Anfas; Arifuddin Mas'ud; Hendrian; Julia Safitri
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4954

Abstract

Impulsive buying behavior has become increasingly prevalent among university students in the digital era, as spontaneous purchasing is shaped by the interaction of psychological factors such as personality traits and socio-digital engagement through sharing economy platforms. This study aims to examine the influence of personality traits and sharing economy participation on impulsive buying behavior among students. Employing a quantitative approach with a causal-associative design, the study involved the university students with samples selected through purposive sampling. Data were collected using a five-point Likert scale questionnaire and analyzed through multiple linear regression using SPSS. The results reveal that both personality traits and sharing economy participation have positive and significant partial effects on impulsive buying behavior. However, when tested simultaneously, these variables account for only 6.9% of the variance in impulsive behavior, while the remaining 93.1% is influenced by other factors. These findings confirm that students’ impulsive behavior is a multidimensional phenomenon, shaped not only by personality and digital engagement but also by complex emotional and social dynamics.
Pengaruh Upah Minimum Kabupaten Terhadap Kinerja Karyawan Generasi Z di Kabupaten Wonogiri (Studi Kuantitatif Periode 2021-2025) Vivi Ariani Putri; Anfas Anfas
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 4 No. 3 (2026): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v4i3.1814

Abstract

Penelitian ini bertujuan menganalisis pengaruh Upah Minimum Kabupaten (UMK) terhadap kinerja karyawan Generasi Z di Kabupaten Wonogiri, daerah non-industri yang didominasi sektor pertanian. Pendekatan kuantitatif eksplanatori diterapkan dengan kuesioner tervalidasi sebagai alat pengumpul data primer dari sampel purposive karyawan Generasi Z usia produktif. Analisis data menggunakan IBM SPSS mencakup statistik deskriptif, uji asumsi klasik, korelasi Pearson, dan regresi linier sederhana untuk menguji hipotesis pengaruh variabel independen (UMK) terhadap dependen (kinerja: efektivitas, efisiensi, produktivitas, tanggung jawab). Hasil menunjukkan tren peningkatan signifikan kinerja Generasi Z seiring kenaikan UMK dari Rp1.827.000 (2021) menjadi Rp2.180.587 (2025), dengan skor rata-rata kinerja naik dari 3,48 menjadi 4,12 (skala 1-5), produktivitas 70,5% ke 81,3%, dan efektivitas 68 ke 80. Uji statistik mengonfirmasi hubungan positif kuat (r=0,992; p=0,001), pengaruh signifikan (β=1,780E-06; t=13,561; p=0,001), selaras dengan teori upah efisiensi. Novelty penelitian ini merupakan bukti empiris pertama hubungan UMK-kinerja Generasi Z di konteks ekonomi agraris Jawa Tengah, di mana UMK rendah membatasi motivasi akibat minimnya industri. Implikasi kebijakan merekomendasikan UMK seimbang yang mempertimbangkan kebutuhan hidup layak dan kemampuan perusahaan, didukung sinergi pemerintah-pengusaha untuk investasi industri, penguatan struktur ekonomi, dan strategi manajemen SDM berkelanjutan guna optimalisasi produktivitas generasi muda.
The Implementation of Providing Performance Allowance Policy in the Secretariat of the General Election Commission Kota Ternate, Indonesia Eko Ady Prabowo; Muhlis Hafel; Agus Joko Purwanto; Anfas Anfas
Jurnal Ilmiah Ilmu Administrasi Publik Vol 9, No 2 (2019)
Publisher : Program Pascasarjana Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (369.246 KB) | DOI: 10.26858/jiap.v9i2.11529

Abstract

This study aims to evaluate the implementation of the policy of providing performance allowance to employees at the Secretariat of the General Elections Commission (GEC) Kota Ternate, as well as their supporting and obstacle factors. This research is a descriptive qualitative research by using case study. The research data were obtained from informants who were respondents, ranging from staff to officials at the Secretariat of the General Elections Commission Kota Ternate. The results of the study showed that although the implementation of the performance allowance was already running  there were still some deviations in its management, namely: 1) no socialization or training was held on the management of performance allowance involving GEC Kota Ternate; 2) there is no appointment of a performance allowance management officer, namely the Performance Allowance Management Officer or the control book Management Officer, therefore, it happens overlap working  with routine treasurer; 3) there is not a standard operating procedure (SOP) as an assessment standard that aims to provide an assessment and sanctions against employees who do not carry out their duties and functions. 
Co-Authors ., Milwan Abdul Latif Abdul Latif Abdul Latif Abdul Rahman Rahim Abdul Rahman rahim Agus Joko Purwanto Agustiani, Wulan Ananda, Siti Hadrayanti Andi Irdan Atjo Mea Ari Sujipto Arifuddin Mas'ud Arifuddin Mas’ud AS Aku, AS Buamonabot, Irfandi Bulkis Bulkis Bulkis Bulkis Dedu, La Ode Arfan Edinna, Melfin Eko Ady Prabowo Fajar Rakasiwi Syamsuddin Fajar Rakasiwi Syamsuddin Fatana, Nurul Fausiah, Andi Gultom, Rosdelita H. Hendrian Hafel, Muhlis Hamida A. Jasin Harapin Hafid H. Harli A. Karim Helmi Hi. Yusuf Hendrian Hendrian Hi. Adam, Muhammad Darsan Hi. Yusuf, Helmi Ibnu Sina Hi. Yusuf Ibnu Sina Hi. Yusuf Ibnu Sina Hi. Yusuf Ida Hidayanti Ida Hidayanti Irma Iqlima Nurussa’ban Jamil, Julfi Julfi Jamil Julia Safitri Julia Safitri Lilis Suryani Lisda Ariani Simabur Lisda Ariani Simabur Lisda Ariani Simabur Masrikha, Rahma Nur Meirani Harsasi Milwan, Milwan Minrohayati . Mohbir Umasug Muh. Arman Yamin Pagala Muhamad Dhanutirto F. Tuwow Muhammad Amrullah Pagala Muhammad Sajidin Nabila, Faiza Rahma Nahda Nahda Nur Indah Sari Arbit Nurallikha Cinta Emdys Nurdyah Qaizar Qaizar Rifka Rahmawati Rina Astarika, Rina Risma Ridayanti Riva'i, Dian Rahmayanti Safitri, Julia Said, Samsuardi Simabur, Lisda Ariani Sudarwo, Raden Sudarwo, Raden Sujipto*, Ari Sukmawan, Sandi Suparjo Razasli Carong Suriana AR Mahdi Suriana AR. Mahdi, Suriana AR. Syafiuddin Syafiuddin Syafiuddin Syahrinullah Syahrinullah Syamsuddin, Fajar Rakasiwi Tamrin, Saddam Husain Thamrin, Saddam Husain Umasugi, Mohbir Umikalsum Arfa Vivi Ariani Putri Wahyuddin Wulandari, Futri Ayu Yusuf Yusuf Yusuf Yusuf Yusuf, Yusuf Zainuddin Zainuddin Zainuddin, Zainuddin Zulkarnain Umar