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All Journal Akrab Juara : Jurnal Ilmu-ilmu Sosial International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Neraca Manajemen, Akuntansi, dan Ekonomi
Roydawaty Bunga
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Humanities Biochemistry, Genetics & Molecular Biology Chemistry Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences

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PENGEMBANGAN UMKM BERBASIS FINTECH DI ERA SOCIETY 5.0 Roydawaty Bunga
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 15 No. 10 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v15i10.11572

Abstract

Dalam era Society 5.0, teknologi tidak hanya berperan sebagai sumber pengetahuan tetapi juga berintegrasi dengan kehidupan manusia untuk mendukung berbagai aktivitas sehari-hari. Salah satu inovasi yang muncul adalah teknologi keuangan atau FinTech, yang digunakan dalam berbagai sektor bisnis dan layanan untuk menyederhanakan transaksi keuangan. FinTech memberikan manfaat signifikan bagi UMKM, seperti meningkatkan efisiensi pengelolaan keuangan, menekan biaya transaksi dan risiko kredit, mempermudah pencatatan keuangan, memperluas jangkauan pasar, serta meningkatkan daya saing usaha. Berdasarkan hal tersebut, penelitian ini dilakukan dengan pendekatan studi kepustakaan, yang bertujuan untuk menganalisis peran FinTech dalam pengembangan UMKM di era Society 5.0. Fokus utama penelitian ini meliputi tingkat literasi keuangan digital di kalangan UMKM, dampak penggunaan dompet digital terhadap pertumbuhan usaha, serta penerapan akuntansi digital dalam pengelolaan keuangan UMKM. Pada akhirnya, penelitian ini akan mengevaluasi sejauh mana FinTech berkontribusi terhadap perkembangan UMKM dalam era Society 5.0. Dengan metode studi literatur kualitatif, data dikumpulkan dari berbagai referensi yang relevan untuk mendapatkan wawasan mendalam. Secara keseluruhan, FinTech berperan penting dalam mendorong pertumbuhan UMKM di Indonesia, terutama dalam aspek pengelolaan keuangan berbasis teknologi, seperti pinjaman daring, digitalisasi keuangan, sistem pembayaran elektronik, dan pencatatan akuntansi digital, yang menawarkan kemudahan serta efisiensi bagi para pelaku usaha.
ANALYSIS OF CONSUMER CHOICE FACTORS IN CHOOSING DIGITAL PHOTO GRAPHICS IN THE MIDST OF A PANDEMIC IN LOMBOK: EXPLORING DISAPPEARING DECISIONS Ety Nurhayaty; Dede Suleman; Etik Dwi Styaningrum; Roydawaty Bunga; Aprilia Puspasari; Supriatin; Enggar widianingrum
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 1 No. 5 (2023): October
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v1i5.90

Abstract

This study aims to determine the factors that shape consumer purchasing decisions on Digital Photo Graphics. Variables that are assumed to form consumer loyalty are price, product, service, place, promotion, presentation and reputation. Researchers used quantitative descriptive research. The population in this study are consumers who shop at Digital Photo Graphics in 2020. The sample in this study is consumers who meet the criteria set by the researchers with a total of 83 people. The analytical method used in this study is explanatory factor analysis (EFA) with the help of the SPSS application. The results of this study indicate that 5 factors are formed, namely Excellent Service Factors (1), Store Convenience Factors (2), Accessibility Factors (3), Product Performance Factors (4), Promotion Factors (5). The Excellent Service factor has the highest variance value, which is 46%. Steps that can be taken by Digital Photo Graphics are increasing up-selling, making company uniforms, providing personal service, making terms and conditions, cutting dense trees, directing parking to be neater, making product quality consistent, allocating funds for research & development, active on social media and giving discounts to loyal customers.
THE IMPACT OF PERTAMINA'S FUEL PRICE INCREASE ON COMPETITORS' COMPETITION STRATEGIES AND MARKET POSITIONS IN THE ENERGY INDUSTRY Roydawaty Bunga
Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol. 11 No. 1 (2026): Februari
Publisher : Yayasan Azam Kemajuan Rantau Anak Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58487/akrabjuara.v11i1.2752

Abstract

Private companies selling fuel at higher prices than Pertamina may face lower competitive pressure, as the price gap with Pertamina's products narrows. The objective of this research is to determine the impact of Pertamina's fuel price increase on the competitive strategies implemented by competitors in the energy industry, the changes in market positions of competitors after the price increase, and the challenges faced by energy companies in responding to this change. This study employs a qualitative descriptive method. The findings indicate that energy companies must continuously innovate and adapt to remain competitive in an economically dynamic environment. With the right strategies, competitors can maintain their market position and provide more sustainable energy solutions for society.
Co-Authors Aspari Dede Suleman Enggar Widianingrum Etik Dwi Styaningrum Nurhayaty, Ety Puspasari, Aprilia SUPRIATIN Win Kurniadi