Garuda - Garba Rujukan Digital

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

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.

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

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.

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

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

The Influence of student self-efficacy and lecturer leadership on student ocb Aini, Rohana Nur; Irianto, Ellen D Oktanti; Widaryo, Chandika Mahendra
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.v5i1.20166

This study aims to analyze the influence of student self-efficacy and lecturer leadership on the organizational citizenship behavior (OCB) of students in higher education. Using the library research method with a qualitative approach, this study explores the complex interactions between internal and external factors that shape students' organizational citizenship behavior. The results of the study revealed that student self-efficacy, which is manifested in academic beliefs, social efficacy, emotional regulation, and resilience to adversity has a significant effect on the dimension of student OCB through organizational identification mechanisms and intrinsic motivation. Lecture leadership, especially transformational leadership styles, creates a learning climate that encourages the internalization of prosocial values. The innovative finding of this study is the identification of compensatory interaction patterns, where the influence of lecturer leadership on student OCB is stronger in students with low to moderate self-efficacy. The implication is that universities need to develop an integrative approach that simultaneously strengthens student self-efficacy and lecturer leadership capacity to cultivate student OCB in a sustainable manner

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

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

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.

STRATEGI PEMASARAN DAN PENJUALAN DIGITAL UMKM: POTENSI DAN REKOMENDASI PADA PIA NAZWA SAMARINDA Oktanti Irianto, Ellen D.; Hergastaysmawan, Angga; Muslimatul Korip, Zahwa; Daruy, Farica Claresta; Gracyella, Ikka
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

Transformasi digital merupakan kunci penting untuk meningkatkan penjualan UMKM (Usaha Mikro, Kecil, dan Menengah) agar dapat bersaing di era Society 5.0. Pia Nazwa, salah satu UMKM di Samarinda yang menawarkan Pia sebagai produk unggulannya masih belum dapat beradaptasi dengan baik dalam hal pemasaran dan penjualan digital. Meskipun Pia Nazwa telah cukup terkenal di Samarinda dan memiliki basis konsumen yang loyal, Pia Nazwa belum memanfaatkan sarana digital secara optimal untuk lebih memperluas jangkauan pemasaran dan meningkatkan penjualan. Pia Nazwa memiliki aktivitas digital yang sangat minim, contohnya akun Instagram Pia Nazwa yang kurang aktif, belum bergabung dengan platform penjualan digital seperti Gofood, Grabfood, Shopeefood dan sejenisnya. Padahal Pia Nazwa memiliki potensi yang besar untuk meningkatkan profit jika mengoptimalkan pemasaran dan penjualan digital. Studi ini menganalisis kondisi saat ini dan potensi yang dapat dikembangan dari pemasaran dan penjualan digital dari Pia Nazwa. Melalui pendekatan kualitatif, studi ini memberikan rekomendasi strategis untuk meningkatkan visibilitas dan penjualan Pia Nazwa. Tujuan dari studi ini adalah untuk menghasilkan strategi transformasi digital untuk Pia Nazwa. Berdasarkan hasil observasi, ditemukan beberapa kondisi potensial yang dapat dikembangkan oleh Pia Nazwa. Hasil observasi diharapkan dapat menjadi rujukan bagi UMKM serupa dalam menerapkan transformasi digital untuk mencapai pertumbuhan bisnis yang berkelanjutan

An Evaluation of Stock Fair Value Using Fundamental and Technical Analysis with DDM and PER Approaches Fajri, Mega Barokatul; Hidayatul Lailiyah, Elliv; Rafikah Zulyanti, Noer; Syah, Imran; D. Oktanti, Ellen
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.v4i2.930

For an investor, it is very important to conduct a stock valuation before making a transaction because stock valuation is a form of rationalization for an investor in making investment decisions. The purpose of this study itself is to evaluate the intrinsic value of PT Indofood Sukses Makmur Tbk (INDF) shares using two approaches, namely fundamental analysis and technical analysis. In fundamental analysis, economic, industry, and company analyses are carried out. The fundamental analysis methods used are the dividend discount model (DDM) and price-earnings ratio (PER), while technical analysis is carried out using moving average indicators and the relative strength index. The results of this study indicate a relatively strong trend in the Indonesian economy and a fairly strong resilience in the face of trade wars. In terms of industry, INDF continues to experience growth both in terms of sales and in terms of net profit. And the results of calculations using the DDM and PER methods show that the INDF share price has an intrinsic value that is much higher than the value of shares in the market, so it can be concluded that INDF shares are classified as undervalued. And in terms of technical analysis, the intrinsic value of INDF shares is in the price range of IDR 6,500 to IDR 7,250. From this analysis, it indicates that the current stock value in the market is low and still has the potential to be purchased because of its higher intrinsic value.

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

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

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.

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