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All Journal Sistemasi: Jurnal Sistem Informasi Jurnal Maneksi (Management Ekonomi Dan Akuntansi) GERVASI: Jurnal Pengabdian kepada Masyarakat JURNAL LENTERA BISNIS Valid Jurnal Ilmiah Business, Economics and Entrepreneurship Journal of Management - Small and Medium Enterprises (SME's) Management and Sustainable Development Journal Journal of Artificial Intelligence and Digital Business Indo-Fintech Intellectuals: Journal of Economics and Business Epmas: Edukasi dan Pengabdian Masyarakat Mount Hope Global Economic Journal Journal of Event, Travel and Tour Management Jurnal Pengabdian Bukit Pengharapan Mount Hope Management International Journal Ecoducation
Dedy
Institut Shanti Bhuana
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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Journal : Valid Jurnal Ilmiah

 1 
Peranan Nilai Kearifan Lokal “Balale” sebagai Modal Sosial Petani Dayak Banyadu dalam Penguatan Ekonomi Keluarga Salfarini, Eligia Monixa; Sari, Maya; Atlantika, Yeremia Niaga; Dedy
Valid: Jurnal Ilmiah Vol. 22 No. 2 (2025): Valid Jurnal Ilmiah - Edisi Januari-Juni 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi AMM

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Abstract

Balale culture plays an important role among Dayak Banyadu farmers. The values contained in balale culture become social capital that helps Dayak Banyadu farmers in social life. Balale culture is always lived by the community through various activities in the village, especially in terms of farming. This study aims to examine the role of balale culture as social capital for the Dayak Banyadu community in improving the family economy. Using qualitative research methods, data was obtained through observation and interviews with participants. The participants selected were local farmers who still apply balale culture in farming activities, which is the main livelihood of the Dayak Banyadu community. Data were analyzed using the triangulation method, where data were organized, reduced, and codified to draw conclusions regarding social capital through balale culture in supporting the economy of farming families. The results showed that balale culture contributes to the family economy of farmers in Dayak Banyadu through the values of love, brotherhood, respect, responsibility, solidarity and cooperation
Penerapan Technology Acceptance Model (TAM) dalam Adopsi Fintech oleh UMKM di Wilayah Perbatasan Indonesia-Malaysia Dedy; Sari, Maya; Balang, Fransiskus
Valid: Jurnal Ilmiah Vol. 23 No. 1 (2025): Valid Jurnal Ilmiah - Edisi Juli-Desember 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi AMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53512/valid.v23i1.595

Abstract

The development of financial technology (fintech) plays an important role in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs) especially in border areas. The study aims to analyze the factors influencing fintech acceptance by following the Technology Acceptance Model (TAM), focusing on perceived usefulness (PU), perceived ease of use (PEOU), and attitude toward use (ATU) toward behavioral intention to use (BIU). Mixed methods was applied with embedded design involving 90 MSME respondents in Bengkayang as well as in-depth interviews with 12 MSME respondents, including three migrants in the Malaysian border area. Quantitatively, the results show that both PU, PEOU, and ATU positively affect BIU, thus ATU is proven to mediate the relationship between PU and PEOU on BIU. Qualitatively, MSMEs agree with fintech that is beneficial and facilitates, but the obstacles encountered are limitations in infrastructure, financial literacy, and the manual recording by business actors. The findings also indicate the readiness in border areas of Malaysia because facilities such as infrastructure, regulations, and social norms have supported the adoption of technology there, whereas in Indonesia, it’s still hindered by structural and cultural factors. The research extends the TAM by integrating culture and border context in fintech adoption. Practically, this study emphasizes the need for digital and financial literacy supported by infrastructure for MSME actors. The government also needs to promote inclusive and collaborative policies between financial institutions, fintech providers, and local communities to increase more equitable financial adoption.
Co-Authors Adot, Natalia Agustian, Aldy Aloysius Hari Kristianto Balang, Fransiskus Cahyaningtyas, Christian Charley Orilya G. A. D. H. U Daniel Deri, Kristianus Natanel Dominggus Eligia Monixa Salfarini Fentura, Bona Jery christianto Jones Parlindungan Nadapdap Kristianto, Aloysius Hari Linda Wahyuni Maria Angela Siokalang Maria Angela Siokalang Maya Sari Maya Sari Mira Mira Noviyanti P, Noviyanti P Putri, Petronela Losa Regina Clara Audrey Kaseger Rissa Ayustia Rissa Ayustia Sabinus Beni Salfarini, Eligi Monixa Salfarini, Eligia Monixa Sugianto, Helena Anggraeni Tjondro Veronika Yulianti Yasinta Yasinta Yeremia Niaga Atlantika