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All Journal Jurnal Ilmiah Manajemen Kesatuan Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA)
Pebriansyah, Eka
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Ubah gulma menjadi emas: studi kasus pengolahan eceng gondok menjadi humus aktif & enzimatik di Waduk Jatiluhur Purwakarta Poernama, Teddy; Pebriansyah, Eka; Arifin, Antoni Ludfi; Yusuf, Rully
Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA) Vol.4, No.1 (2023): June 2023
Publisher : Universitas Widya Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37631/ebisma.v4i1.869

Abstract

Water hyacinth increase flourishingly and spread rapidly and it potentially harms aquatic ecosystems as it covers water surface and endanger water ecosystems. In Jatiluhur reservoir, the water hyacinth has spread up to 10% of the entire reservoir. Therefore, society's participation in developing active humus/compost and liquid fertilizer from water hyacinth is advantageous for Tirta Emas farmers group in Desa Jatimekar, Kecamatan Jatiluhur, Purwakarta. Furthermore, this study aimed to observe the involvement of PT Pegadaian in the goldifying water hyacinth collaboration program by KUBMN. This study was a literature research as the research was conducted by collecting numerous literature sources such as research articles, books and reports regarding goldifying weeds or water hyacinths and the role of PT. Pegadaian in the program. In the library research, the researchers collected more than 50 research articles, books and study reports regarding water hyacinth's benefits and it's economic potentials. Thus, this study identified that the goldifying program of PT Pegadaian was advantageous in some aspects such as: 1) Ecological aspects: Water environment in Jatiluhur reservoir was better. Because the negative impacts of water hyacinth could be decreased and it was more controllable. 2) Economic aspect: people's income increased as a result of liquid fertilizer from water hyacinth program and sustainable fish cultivation. 3). Social aspect: the beauty of nature in Jatiluhur reservoir without water hyacinth, the emergence of tourist attractions and a harmony relationship between PTJ II as reservoir's manager and people in society.
The Effect of Sorting Waste Saving Gold on Financial Independence and Sustainable Behavior Mediated by Financial Inclusion Pebriansyah, Eka; Harianto, Eric; Setiawan, Jocelyn Belle; Octaviani, Yanti
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 2 (2026): JIMKES Edisi March 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i2.4980

Abstract

Indonesia faces waste management and financial inclusion challenges. Pegadaian’s Sorting Waste, Saving Gold program addresses both by converting sorted inorganic waste into digital gold savings that promote sustainability and financial inclusion. This study examines the program’s effects on financial independence and sustainable behavior, with financial inclusion as a mediating variable. A quantitative explanatory approach was employed through a survey of 2,173 active participants who had joined the program for at least three months and maintained active gold savings accounts. Data were analyzed using partial least squares structural equation modeling. Findings reveal that the program has a positive and significant effect on financial inclusion, financial independence, and sustainable behavior. Financial inclusion plays a strong mediating role, especially in the relationship with financial independence, where the indirect effect substantially outweighs the direct effect. For sustainable behavior, the program exerts a robust direct influence that is further enhanced through financial inclusion. The program proves that linking waste management to simple financial tools can broaden inclusion, empower people economically, and build lasting eco-friendly routines. Pegadaian should scale waste bank partnerships, upgrade digital features, and add basic financial education for stronger, sustained impact.
Co-Authors Arifin, Antoni Ludfi Eric Harianto Octaviani, Yanti Poernama, Teddy Setiawan, Jocelyn Belle Yusuf, Rully