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All Journal Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Bisman (Bisnis dan Manajemen): The Journal of Business and Management Didaktik : Jurnal Ilmiah PGSD STKIP Subang Behavioral Accounting Journal JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Seminar Nasional Pengabdian Kepada Masyarakat Liabilitas : Jurnal Ilmiah Akuntansi dan Ekonomi Journal of Training and Community Service Adpertisi Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Bata Ilyas Journal of Accounting Indo-Fintech Intellectuals: Journal of Economics and Business (JIMBE) Journal of Social Science and Business Studies Journal of Economics, Bussiness and Management Issues Mammiri: Jurnal Pengabdian Masyarakat International Journal of Education Management and Religion Journal of Economics and Management Technologies Jurnal Akademik Pengabdian Masyarakat Ichsan Sidenreng Rappang Jurnal Pengabdian Inovasi Sosial Ekonomi
Zaimar, Fina Ruzika
Fakultas Ekonomi Dan Bisnis, Universitas Negeri Makassar
Religion Agriculture, Biological Sciences & Forestry Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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ANALISIS AKUISISI MODAL DAN STRATEGI PEMBAYARAN KEMBALI PADA STARTUP DI INDONESIA: STUDI KASUS GOTO GOJEK TOKOPEDIA TBK Najwa Adilla Taira Eko; Ahmad Rifaldi S; Jilan Fadhillah; Ratuliu; Fina Ruzika Zaimar
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 04 (2025): Volume 11 No. 04 Desember 2025 Published
Publisher : STKIP Subang

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Abstract

This study analyzes capital acquisition and repayment strategies at PT GoTo Gojek Tokopedia Tbk, one of the largest technology companies in Indonesia. The study uses a qualitative approach through a systematic literature review combined with content analysis of financial reports, IPO prospectuses, official publications, and previous studies from 2020 to 2025. The analysis shows that GoTo's capital acquisition process through strategic investor funding, venture capital, and IPO has succeeded in increasing assets and equity without putting direct pressure on cash flow. However, this increase in capital has not resulted in a significant improvement in profitability due to high operating costs, post-merger integration expenses, and a high proportion of short-term debt. Efficiency analysis shows an increase in operational efficiency, but the company's capital structure still faces liquidity pressures and short-term financial risks. The findings confirm that successful business consolidation through mergers does not automatically strengthen financial performance, requiring a more targeted repayment strategy through debt restructuring, asset optimization, and cost efficiency. This research contributes to the development of capital structure studies in technology companies and provides practical recommendations for digital startups in formulating sustainable funding strategies.
Kekuatan Voice of Customer di Media Sosial: Dampaknya terhadap Respons dan Perbaikan CRM Perbankan Wiwin Riski Windarsari; Fina Ruzika Zaimar; Hasisa Haruna; Achmad Ridha; Andi Rahmatullah Mangga
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 8 No. 2 (2025): Juli 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v8i2.4344

Abstract

Social media is increasingly serving as a primary channel for customers to voice their banking experiences, including complaints, questions, and appreciation. This study aims to analyze the power of Voice of Customer (VoC) on platform X and its impact on company responses and Customer Relationship Management (CRM) improvements. The study analyzed 1,456 posts from 998 unique accounts addressed to Bank C's official account during August 2025. The results showed that dominant complaints included failed transactions with balance deductions, application disruptions, OTP and verification issues, difficulties contacting customer service, and security and fraud issues. Company responses were generally directed to private channels (DM or phone) using template-based answers. However, personalization efforts were evident in innovative application features, such as transaction notifications, e-statements, and the Bank C keyboard. These findings confirm that VoC is not simply a source of complaints but also a strategic input that can drive system improvements and interaction quality. Practical implications include the need to strengthen social listening, improve the quality of personalized responses, and integrate VoC directly into CRM. The use of AI and automation can also support the initial response process, while maintaining human oversight for sensitive cases. This research was limited to a single banking institution, a single platform, and a specific period, so the results cannot be broadly generalized. Future studies are recommended to involve more institutions, communication channels, and take a longitudinal approach to assess the impact of CRM improvements on customer satisfaction and loyalty.
Pengelolaan Keuangan Mahasiswa Pengguna QRIS Melalui Praktik Kakeibo Dalam Perspektif Nudge Theory Di Era Digital Fina Ruzika Zaimar
Bata Ilyas Journal of Accounting Vol 7, No 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/bijac.v7i1.12007

Abstract

Transformasi digital telah mendorong perubahan signifikan dalam sistem pembayaran masyarakat, termasuk di kalangan mahasiswa. Kehadiran Quick Response Code Indonesian Standard (QRIS) memberikan kemudahan, kecepatan, dan efisiensi transaksi sehingga menjadi metode pembayaran yang semakin dominan digunakan mahasiswa. Namun, kemudahan tersebut juga berpotensi meningkatkan perilaku konsumtif akibat berkurangnya hambatan psikologis dalam melakukan pembayaran. Penelitian ini bertujuan untuk menganalisis pengelolaan keuangan mahasiswa pengguna QRIS melalui praktik Kakeibo dengan menggunakan perspektif Nudge Theory. Penelitian menggunakan pendekatan kualitatif deskriptif melalui studi literatur. Data diperoleh dari berbagai jurnal ilmiah, laporan Bank Indonesia, publikasi Otoritas Jasa Keuangan, serta literatur mengenai Kakeibo, literasi keuangan, dan perilaku keuangan digital. Hasil penelitian menunjukkan bahwa penggunaan QRIS meningkatkan efisiensi transaksi namun juga meningkatkan risiko impulse buying dan pengeluaran tidak terencana. Praktik Kakeibo berfungsi sebagai instrumen refleksi keuangan yang membantu mahasiswa mencatat, mengelompokkan, dan mengevaluasi pengeluaran secara sistematis. Dalam perspektif Nudge Theory, Kakeibo menjadi bentuk intervensi perilaku yang mendorong pengambilan keputusan finansial yang lebih rasional tanpa mengurangi kebebasan individu dalam bertransaksi. Integrasi QRIS dan Kakeibo berpotensi meningkatkan literasi keuangan digital, memperkuat disiplin keuangan, dan mendorong perilaku keuangan berkelanjutan di kalangan siswa. Kata Kunci: QRIS; kakeibo; nudge theory; literasi keuangan; mahasiswa.
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.
PEMBERDAYAAN LITERASI DIGITAL DAN PENINGKATAN REPRESENTASI PEREMPUAN MELALUI PELATIHAN PENULISAN ARTIKEL WIKIPEDIA PADA PROGRAM WIKIGAP 2026 Fina Ruzika Zaimar; Wiwin Riski Windasari; Achmad Ridha; Siti Nur Reskiyawati Said; Andi Rahmatullah Mangga
Jurnal Akademik Pengabdian Masyarakat Ichsan Sidrap Vol 3 No 1 (2026): Hal,
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/japmis.v3i1.413

Abstract

The gap in women’s representation in digital spaces remains a global challenge, including on open knowledge platforms such as Wikipedia. The limited number of articles about women, along with the low participation of female editors, contributes to inequality in information and knowledge representation. This community service activity aims to enhance participants’ digital literacy while providing skills in writing and editing articles on Wikipedia through the WikiGap 2026 program. The implementation method employed a participatory approach consisting of socialization, training sessions, hands-on article editing practice, and participant mentoring. The activity was conducted online and involved university students, school students, and the general public. The training materials covered an introduction to Wikipedia, principles of encyclopedic writing, source verification, editing techniques, and the publication of articles about women figures. The results of the activity indicated an improvement in participants’ understanding of digital literacy and their Wikipedia editing skills. Participants were able to create and improve articles related to women and gender equality issues in a more objective manner and based on reliable sources. The program also increased participants’ awareness of the importance of women’s representation in digital knowledge spaces. Therefore, the WikiGap 2026 training program serves as an effective form of community service in strengthening digital literacy while promoting information equality in digital media.
IMPLEMENTASI PRODUK INOVASI BERKELANJUTAN RAMAH LINGKUNGAN MELALUI EXPO PROJECT KEWIRAUSAHAAN MAHASISWA PROGRAM STUDI AKUNTANSI S1 UNIVERSITAS NEGERI MAKASSAR Nurafni Oktaviyah; Suharti Sirajuddin; Yulia Yunita Yusuf; Anisatun Humayrah Rais; Fina Ruzika Zaimar
Jurnal Akademik Pengabdian Masyarakat Ichsan Sidrap Vol 3 No 1 (2026): Hal,
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/japmis.v3i1.414

Abstract

The development of students’ entrepreneurial spirit has become one of the strategic efforts of higher education institutions in creating graduates who are creative, innovative, and adaptive to global challenges. One form of its implementation was carried out through the Entrepreneurship Expo Project 2026 organized by the Undergraduate Accounting Study Program, which adopted the theme of sustainable and environmentally friendly innovative products. This activity aimed to enhance students’ creativity, entrepreneurial skills, and awareness of the importance of environmental sustainability in product development. The activity was implemented using a project-based learning approach through product creation, booth exhibitions, product presentations, and evaluations conducted by judges and visitors. The participants consisted of students from seven classes who were divided into several business groups. Each group presented environmentally friendly innovative products with sustainability concepts and economic value. The event also featured Akmal Idrus, Founder and CEO of Rappo Indonesia, who delivered a sharing session on business opportunities and environmentally friendly business strategies for students. The results of the activity showed that students were able to create various creative products utilizing eco-friendly materials, recycled resources, and sustainable business concepts. In addition to improving entrepreneurial skills, the activity also strengthened students’ communication abilities, teamwork, and marketing strategies. The Entrepreneurship Expo Project became an effective applicative learning medium in supporting the development of entrepreneurial competencies among Undergraduate Accounting students in the field of sustainable entrepreneurship.
SOSIALISASI STANDAR PEMERIKSAAN LAPORAN KEUANGAN BLUD RUMAH SAKIT UMUM DAERAH BERBASIS STANDAR AKUNTANSI PEMERINTAHAN Andi Faisal; Adriansyah Adriansyah; Fina Ruzika Zaimar; Nurlina Nurlina
Jurnal Akademik Pengabdian Masyarakat Ichsan Sidrap Vol 3 No 1 (2026): Hal,
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/japmis.v3i1.421

Abstract

This community service activity aimed to enhance the understanding of financial and accounting staff at Lapalaloi Regional General Hospital (RSUD), Maros Regency, regarding financial statement audit standards for Regional Public Service Agencies (BLUD) based on Government Accounting Standards (SAP). The activity was conducted through a structured socialization method involving lectures, interactive discussions, and case study analysis in January 2026. Results demonstrated a significant improvement in participants' understanding, with an average pre-test to post-test score increase of 47.7%. The highest improvement was recorded in the mechanism of BLUD financial statement auditing (52.1%) and external audit preparation procedures (51.2%). Three major technical challenges were also identified through discussion sessions: fixed asset recognition, preparation of Notes to Financial Statements (CaLK), and audit documentation standardization. This activity contributed to strengthening the institutional capacity of RSUD Lapalaloi in preparing accountable, audit-ready financial statements in accordance with PPK-BLUD regulations.
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.
Pelatihan Digital Marketing dan Social Media Tools Achmad Ridha; Wiwin Riski Windarsari; Nurazizah Rahmi R; Ardiansyah Ardiansyah; Fina Ruzika Zaimar
Jurnal Akademik Pengabdian Masyarakat Ichsan Sidrap Vol 2 No 1 (2025): Juni
Publisher : Universitas Ichsan Sidenreng Rappang

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Abstract

In today's digital era, marketing transformation from conventional to digital methods is an urgent need, especially for Micro, Small, and Medium Enterprises (MSMEs). Many MSMEs have not optimally utilized digital platforms to expand their market reach. This community service activity aims to improve the understanding and skills of MSMEs in using digital marketing strategies and utilizing social media tools effectively. The methods used are interactive training, direct practice, and case studies. The results of the activity showed an increase in participants' knowledge in identifying target markets, managing digital content, and optimizing platforms such as Instagram, Facebook, and WhatsApp Business. This activity is expected to be the first step in encouraging sustainable digital transformation of MSMEs.
Pelatihan Sistem Informasi Pengajuan Judul Skripsi (SIPJS) Fina Ruzika Zaimar; Hasisa Haruna; Wiwin Riski Windarsari; Nur Alim Bahri; Ahmad Ahmad
Jurnal Akademik Pengabdian Masyarakat Ichsan Sidrap Vol 2 No 1 (2025): Juni
Publisher : Universitas Ichsan Sidenreng Rappang

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Abstract

Effective and efficient academic services are important indicators in improving the quality of higher education. One of the main challenges faced by study programs is the thesis title submission system which is still done manually, thus triggering various problems such as delays, data irregularities, and difficulties in monitoring by supervisors. Through this community service activity, training on the thesis title submission information system (SIPJS) was conducted for students and lecturers in order to introduce and implement digital technology in the academic administration process. This training uses a participatory approach and direct practice so that participants are able to understand and operate the system optimally. The evaluation results show that SIPJS can increase the efficiency of the title submission process and strengthen the transparency of academic communication between students and lecturers.
Co-Authors Achmad Ridha Adriansyah Adriansyah Adriansyah Adriansyah Adriansyah Adriansyah Adriansyah Adriansyah Ahmad Ahmad Ahmad Akil Ahmad Rifaldi S Allo Saputra Andi Faisal Andi Muh Syukur Hidayatullah Andi Rahmatullah Mangga Andi Rahmatullah Mangga Andi Ratu Zaqhila Anisatun Humayrah Rais Anisatun Humayrah Rais Anisatun Humayrah Rais Ardiansyah Ardiansyah Arifin, Rezky Awaliah Ramadhana Azis, Fajriani Dahlan, Lukman Darmi Patulak deswita nuraidha s Dunakhir, Samirah Farhan Dwinanda Hanisyahputra Fildzah Nur Aini R Fradionesius Kristianto harun al rasyid Hasisa Haruna Hasisa Haruna Hasman , Hasman haspina Hidayatullah, Andi Muh Syukur Hidayatullah, Andi Muh. Syukur Jilan Fadhillah Junaedi, Alifia Salzabila Kamlia, Kamlia Kartika Septiary Pratiwi Musa Keisya Nur Ramadhani Keisya Putri Salsabila Lolita Faraknimela M. Indra Irwan Mangga, Andi Rahmatullah Matakupan, Suryana Salomi Maylani Putri. B, Yuyun Melanie Tumanan Muh. Khairil Amri Muh. Nurfaiz Alfarisi Mukhammad Idrus Najwa Adilla Taira Eko Nisrina, Ulfah Laila Nur Alim Bahri Nurafni Oktaviyah Nurazizah Rahmi R Nurlina Nurlina Nurul Fitriah Herpan Putri Ainun Nur Putri Selvina Rafli, Muh. Rahma Fatimah Malik Ratuliu Riswandi, Muh. Selma Putri Safira Siti Diva Syarifah Lukman Siti Nur Reskiyawati Said St. Nabila Ramadhani S Suharti Sirajuddin Windarsari, Wiwin Riski Wiwin Riski Windasari Wiwin Riski Windasari Yulia Yunita Yusuf Yulia Yunita Yusuf Yusuf, Yulia Yunita