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All Journal Enrichment : Journal of Management Jurnal Ilmu Sosial dan Humaniora Journal of Artificial Intelligence and Digital Business Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Priviet Social Sciences Journal Jurnal Sipakatau Paramacitra : Jurnal Pengabdian Masyarakat Ecoducation Jurnal Ragam Pengabdian Jejak digital: Jurnal Ilmiah Multidisiplin
Henrika, Margareth
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Digital Financial Literacy: Training for Woman Enterpreneurs in Managing Online Transaction: Literasi Keuangan Digital: Pelatihan untuk Pengusaha Perempuan dalam Mengelola Transaksi Online Saida Zainurossalamia ZA; Lusiana Desy Ariswati; Margareth Henrika; Ellen D. Oktanti Irianto; Rohana Nur Aini
Jurnal Sipakatau: Inovasi Pengabdian Masyarakat Volume 2 Issue 2 February 2025: Jurnal Sipakatau
Publisher : PT. Lontara Digitech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/jsipakatau.v2i2.252

Abstract

Digital financial literacy is an important skill for micro-entrepreneurs in dealing with the development of financial technology. However, many women entrepreneurs in the Samarinda City Joint Business Group (KUBe) still have a limited understanding of online transactions, digital financial recording, and security in using financial applications. This service program aims to improve digital financial literacy for five women entrepreneurs in KUBe through hands-on practice-based training and mentoring. The method used is participatory action research, which consists of four main stages: problem identification, training implementation, mentoring, and evaluation of results. The results of the service showed a significant improvement in various aspects of digital financial literacy. Participants' understanding of financial literacy increased by 68%, while skills in using digital payment applications increased by 122%. Awareness of online transaction security also increased by 115%, and business financial records increased by 86%. This increase shows that hands-on training is effective in improving participants' skills in managing digital transactions. The sustainability of this program is realized by the formation of a digital community to support participants in applying financial technology consistently. The results of this service are expected to be a model for other women's business groups in increasing economic independence through the use of digital financial technology. With increased digital financial literacy, women entrepreneurs can optimize online transactions, expand markets, and improve their economic welfare. ABSTRAK Literasi keuangan digital merupakan keterampilan penting bagi pengusaha mikro dalam menghadapi perkembangan teknologi keuangan. Namun, banyak pengusaha perempuan di Kelompok Usaha Bersama (KUBe) Kota Samarinda yang masih memiliki pemahaman yang terbatas mengenai transaksi online, pencatatan keuangan digital, dan keamanan dalam menggunakan aplikasi keuangan. Program pengabdian ini bertujuan untuk meningkatkan literasi keuangan digital bagi lima pengusaha perempuan di KUBe melalui pelatihan dan pendampingan berbasis praktik langsung. Metode yang digunakan adalah penelitian tindakan partisipatif, yang terdiri dari empat tahap utama: identifikasi masalah, pelaksanaan pelatihan, pendampingan, dan evaluasi hasil. Hasil pengabdian menunjukkan adanya peningkatan yang signifikan dalam berbagai aspek literasi keuangan digital. Pemahaman peserta terhadap literasi keuangan meningkat sebesar 68%, sementara keterampilan dalam menggunakan aplikasi pembayaran digital meningkat sebesar 122%. Kesadaran akan keamanan transaksi online juga meningkat sebesar 115%, dan pencatatan keuangan bisnis meningkat sebesar 86%. Peningkatan ini menunjukkan bahwa pelatihan langsung efektif dalam meningkatkan keterampilan peserta dalam mengelola transaksi digital. Keberlanjutan program ini diwujudkan dengan pembentukan komunitas digital untuk mendukung peserta dalam menerapkan teknologi keuangan secara konsisten. Hasil pengabdian ini diharapkan dapat menjadi model bagi kelompok usaha perempuan lainnya dalam meningkatkan kemandirian ekonomi melalui pemanfaatan teknologi keuangan digital. Dengan meningkatnya literasi keuangan digital, para pengusaha perempuan dapat mengoptimalkan transaksi online, memperluas pasar, dan meningkatkan kesejahteraan ekonominya.
Risk management, corporate governance, and business continuity of pharmacies in D.I.Yogyakarta and Sleman Regency Henrika, Margareth; Yudianti, Francisca Ninik; Anggraini, Reni Retno
JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Vol. 5 No. 1 (2025): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jemba.v5i1.19954

Abstract

This research investigates the influence of risk management and corporate governance on the business continuity of pharmacies in Yogyakarta City and Sleman Regency. The objective is to assess the impact of these factors on the long-term sustainability of pharmacies, with a focus on how risk management moderates the effect of corporate governance. A quantitative approach using descriptive methods was employed, with data collected via a simple random sampling technique and analyzed using SPSS version 24. The study utilized both simple linear regression and Moderated Regression Analysis (MRA). Results revealed that risk management significantly impacts the continuity of pharmacy businesses, while corporate governance alone does not have a direct effect. Furthermore, risk management was found to effectively moderate the influence of corporate governance on business sustainability. The findings emphasize that effective risk management practices strengthen the role of corporate governance in ensuring the continued success of pharmacies. These insights provide valuable guidance for pharmacy managers seeking to improve their operational resilience and competitiveness in a challenging market environment.
The Role of sustainable finance in driving environmental, social and governance (ESG) based investments Irianto, Ellen D. Oktanti; Kesuma, Muhammad Ramadhani; Aini, Rohana Nur; Henrika, Margareth; Ariswati, Lusiana Desy
JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Vol. 5 No. 1 (2025): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jemba.v5i1.20029

Abstract

This research discusses the application of Environmental, Social, and Governance (ESG) principles in investment decision-making and their impact on long-term financial performance and investment risk management. The research aims to provide a clearer understanding of how ESG principles are applied in investment decisions, as well as assess their impact on long-term stability. The method used is a qualitative literature review approach, analyzing various related studies. The results indicate that integrating ESG principles into investments can enhance financial performance, reduce risks associated with environmental and social issues, and support the achievement of sustainable development goals. Despite challenges in ESG implementation, such as inconsistencies in reporting and lack of transparent data, there are significant opportunities for companies and investors to leverage ESG as a sustainable and profitable investment strategy. This study provides recommendations for companies, regulators, and investors on how best to integrate ESG into their investment strategies
Trade wars and tech giants: The U.S.–China policy effect on American technology companies Henrika, Margareth; Ariswati, Lusiana Desy; Kesuma, Muhammad Ramadhani; Widaryo, Chandika Mahendra; Irianto, Ellen D Oktanti; Aini, Rohana Nur
JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Vol. 5 No. 1 (2025): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jemba.v5i1.20277

Abstract

The tariff policies implemented by the United States government on imported products from China—particularly technology-related goods—have significantly impacted the global technology sector. This study aims to analyze the influence of U.S.–China tariff policies on American technology companies, with a specific focus on changes in production costs and the operational strategies adopted in response. Employing a qualitative approach through case studies and literature review, the research explores how these tariff measures have affected the performance of U.S. tech firms. The findings reveal that the tariffs have led to increased operational costs, resulting in reduced profit margins and heightened stock price volatility. Large corporations with greater resources tend to better withstand these impacts through supply chain diversification and operational efficiency, while smaller firms face greater challenges. On the other hand, these trade policies have also spurred innovation and strategic restructuring within the tech sector, as major firms invest in automation and process optimization. The study offers insights into mitigation strategies that tech companies can adopt to navigate the effects of volatile international trade policies. These findings hold important implications for strategic decision-making in the face of ongoing global trade uncertainties.
Time Pressure and Jam Koma: Drivers of Student Burnout in Samarinda Aini, Rohana Nur; Kesuma, Muhammad Ramadhani; Widaryo, Chandika Mahendra; Irianto, Ellen D Oktanti; Henrika, Margareth; Ariswati, Lusiana Desy
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 1 No. 4 (2025): JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/26xy0q34

Abstract

This study investigates the impact of time pressure and cognitive fatigue, locally termed jam koma, on burnout among undergraduate students in Samarinda, Indonesia. Employing a cross-sectional survey design, data were collected from 150 respondents using validated instruments to measure time pressure, cognitive fatigue, and burnout. The analysis, conducted with regression techniques, explores how these factors contribute to burnout within the collectivist cultural context of Indonesia. The findings highlight the significant roles of time pressure and cognitive fatigue as predictors of burnout, reinforcing the applicability of the Job Demands-Resources model in academic settings. The study underscores the influence of cultural expectations, such as familial and societal pressures, in exacerbating student stress. Recommendations include institutional interventions like stress management training to enhance student well-being. Limitations include the cross-sectional design and localized sample, suggesting the need for longitudinal and broader studies. This research enriches the literature on student mental health by integrating local cultural phenomena, offering insights for culturally relevant interventions in Indonesian higher education.
Pengaruh Penggunaan Aplikasi Go-Jek Dalam Meningkatkan Pelayanan Pelanggan Pada Kedai Bang Jun Samarinda Henrika, Margareth; Said, Arvin; Alviano, Kevin; Zahrina, Nadia; Aprilia, Wiena
Paramacitra Jurnal Pengabdian Masyarakat Vol. 2 No. 02 (2025): Volume 02 Nomor 02 (Mei 2025)
Publisher : PT Ininnawa Paramacitra Edu

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

Abstract

Perkembangan teknologi, khususnya aplikasi mobile, telah mengubah cara Usaha Mikro, Kecil, dan Menengah (UMKM) dalam menjalankan kegiatan operasionalnya. Salah satu inovasi yang berperan penting adalah aplikasi GO-JEK, yang memfasilitasi transaksi online dan layanan pengantaran barang, sehingga memungkinkan pelaku usaha menjangkau lebih banyak pelanggan dan meningkatkan efisiensi layanan. Penelitian ini menganalisis dampak penggunaan aplikasi GO-JEK dalam meningkatkan layanan pelanggan di Kedai Bang Jun. Dengan menggunakan metode kualitatif melalui wawancara dan observasi, penelitian ini membandingkan pendapatan dari pemesanan langsung dan online, memahami preferensi pelanggan, dan mengidentifikasi tantangan operasional dalam layanan digital. Hasil penelitian menunjukkan bahwa meskipun layanan pemesanan makanan secara online menyumbang porsi pendapatan yang signifikan, makan di tempat tetap menjadi sumber utama karena pertimbangan harga, kualitas makanan, dan fleksibilitas layanan. Selain itu, UMKM menghadapi kendala seperti keterlambatan pengiriman dan manajemen pesanan yang kurang optimal, yang dapat berdampak pada kepuasan pelanggan. Studi ini menekankan pentingnya mengintegrasikan platform digital dengan strategi bisnis yang efektif untuk menciptakan pengalaman pelanggan yang lebih baik dan mempertahankan daya saing di pasar yang terus berkembang.
Liquidity and Financial Resilience: Lessons from Indonesia Amid COVID-19 Resurgence Irianto, Ellen D. Oktanti; Kesuma, Muhammad Ramadhani; Henrika, Margareth; Widaryo, Chandika Mahendra; Aini, Rohana Nur; Ariswati, Lusiana Desy
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.931

Abstract

The resurgence of COVID-19 in Indonesia highlights the critical need for effective financial strategies in vulnerable sectors. This study explores the influence of liquidity management practices, specifically cash, current, and quick ratios, on financial resilience, measured by debt-to-equity ratio and return on assets, in Indonesia’s retail and tourism sectors during the pandemic period. Utilizing panel regression analysis with data from publicly listed firms, the research incorporates firm size as a control variable. Findings indicate that liquidity management has a limited impact on financial resilience, with firm size and digital transformation playing more significant roles. Government interventions and sub-sectoral differences further shape financial outcomes, offering critical insights for navigating future crises. The study contributes to understanding financial strategies in emerging markets, providing actionable recommendations for businesses and policymakers to enhance resilience amid ongoing pandemic uncertainties in Indonesia and ASEAN. By addressing sectoral dynamics, this research underscores the importance of adaptive strategies in ensuring economic stability.
Unveiling Sentiment and Financial Risks: OJK’s 10% Co-Payment in Health Insurance Kesuma, Muhammad Ramadhani; Irianto, Ellen D. Oktanti; Henrika, Margareth; Ariswati, Lusiana Desy; Aini, Rohana Nur; Widaryo, Chandika Mahendra
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.997

Abstract

This qualitative study explores public sentiment and thematic discourse surrounding the Otoritas Jasa Keuangan (OJK) regulation mandating a 10% co-payment for health insurance claims, effective January 1, 2026, as outlined in SEOJK No. 7/SEOJK.05/2025. Data were collected from X posts and associated replies between May 20 and June 12, 2025, a period justified by its alignment with the regulation’s announcement and initial public reaction phases. Employing thematic coding inspired by NVivo 12 methodologies, five key nodes emerged: Regulation Announcement, Cost Concerns, Consumer Criticism, Industry Perspective, and Policy Clarification. Analysis reveals a predominant neutral sentiment in initial media-driven posts, contrasted by a strong negative sentiment in public replies, reflecting financial burdens and trust erosion. The study leverages a word cloud to highlight recurring terms like “co-payment,” “cost,” and “OJK,” reinforcing public focus on financial implications. Findings indicate a reputational risk for insurers and OJK, necessitating enhanced consumer engagement and policy communication. This research contributes a novel perspective on real-time social media sentiment analysis in regulatory contexts, addressing a gap in understanding public response to health insurance reforms in Indonesia. Implications suggest targeted educational campaigns and stakeholder consultations to mitigate adverse perceptions.
ASEAN Energy Firms’ Financial Fortitude: Past Geopolitical Insights For Iran-Israel Challenges Kesuma, Muhammad Ramadhani; Irianto, Ellen D. Oktanti; Ariswati, Lusiana Desy; Henrika, Margareth; Widaryo, Chandika Mahendra; Aini, Rohana Nur
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1121

Abstract

Geopolitical crises, including the Gulf tensions (2019–2020) and the Russia-Ukraine conflict (2022), have profoundly disrupted the financial performance of ASEAN energy firms, offering critical insights for navigating the ongoing Iran-Israel conflict. This study investigates the influence of financial ratios—Debt to Equity Ratio (DER), Total Asset Turnover Ratio (TATO), and Liquidity Coverage Ratio (LCR)—on financial performance, measured through Current Ratio (CR) for liquidity and Net Income (NI) for profitability, across 101 energy firms in Indonesia, Malaysia, the Philippines, Thailand, and Singapore from 2019 to 2023. Utilizing panel data regression with data sourced from the Wall Street Journal, the findings demonstrate that LCR significantly enhances both liquidity and profitability, ensuring resilience amid market volatility. Conversely, TATO negatively impacts liquidity, reflecting trade-offs in asset efficiency, while DER shows no significant effect, suggesting prudent debt management. Firm Size increases profitability but reduces liquidity due to operational complexity. These results advance theoretical understanding of financial resilience in emerging markets and provide actionable liquidity-focused strategies for managers and policymakers to address current geopolitical uncertainties, fostering robust financial stability.
Dual Crises Resilience: Financial Dynamics of ASEAN Tourism Firms Widaryo, Chandika Mahendra; Kesuma, Muhammad Ramadhani; Henrika S, Margareth; Irianto, Ellen D. Oktanti; Nur, Aini Rohana; Ariswati, Lusiana Desy
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1127

Abstract

This study examines the financial resilience of ASEAN tourism firms during the dual crises of the COVID-19 pandemic and Middle East geopolitical conflicts from 2019 to 2023, focusing on liquidity (Current Ratio) and solvency (Debt-to-Asset Ratio). Employing panel data regression on 160 observations from 32 publicly listed firms sourced from the Wall Street Journal, it analyzes the impact of revenue, earnings per share (EPS), and firm size. Findings indicate that revenue negatively affects liquidity, firm size enhances both liquidity and solvency, and EPS marginally reduces solvency. Larger firms demonstrate greater resilience, while smaller firms face vulnerabilities. The study highlights adaptive strategies like domestic tourism and digital transformation, offering insights for 2025 crises. Its novelty lies in its dual-crisis analysis within the ASEAN context, contributing to financial resilience literature and informing policies for liquidity management and non-debt financing.
Co-Authors Alviano, Kevin Anggraini, Reni Retno Annisa Mawardah Aprilia, Wiena Ariswati, Lusiana Desy Irianto, Ellen D. Oktanti Kesuma, Muhammad Ramadhani Lusiana Desy Ariswati Muhammad Ramadhani Kesuma Nur, Aini Rohana Rohana Nur Aini Said, Arvin Widaryo, Chandika Mahendra Yudianti, Francisca Ninik ZA, Saida Zainurossalamia Zahrina, Nadia