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All Journal Erudio: Journal of Educational Innovation Journal of Accounting Research, Organization and Economics (JAROE)
Fasieh, Muhammad Fajrul Islam
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Economics, Econometrics & Finance Education Social Sciences

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Defiance and Opportunity of Marketing Performance of Rural Bank in Indonesia Suryadi, Nanang; Hakim, Abdurrahman; Fasieh, Muhammad Fajrul Islam; Gulam B, Muhammad Irsyad; Hidayat, Bambang Samsul
Journal of Accounting Research, Organization and Economics Vol 6, No 3 (2023): JAROE Vol. 6 No. 3 December 2023
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v6i3.34647

Abstract

Objective A massive advance in the digital era has changed customer habits, and marketing has even changed these past few years. Banking service started focusing on customer relation. The government policy also contributed a lot in law paying for the implementation of banking technology. This research was aimed at identifying the effects of technology, government, and customers on marketing performance through the mediation of human resources. This research was conducted at Rural Banks in Indonesia.Design/Methodology This research utilized Partial Least Square- Structural Equation Model (PLS-SEM). The samples of research were 184 respondents who have already known the marketing condition in Rural Banks.Results The research result referred that a number of factors relating to technology, government, and customer have significant effects on marketing performance. The human resource played a role in mediating the effects of technology and government on marketing performance partially.Contribution This research showed that the effect of technology, government, and customer were able to trigger a good improvement of marketing performance. Further, the practical contribution indicated that the marketing performance was needed and required by Rural Bank in this digital era.Novelty/Originality This paper contributes to the rural bank literature by providing a unique overview of the field of corporate performance research. The study also utilizes a unique methodology by sampling a variety of different objects. By adopting a comprehensive strategy, this study aims to provide a more holistic perspective on marketing performance, especially in the field of rural banking
SMART BILLING FOR SMART VILLAGE: INTEGRATING WHATSAPP GATEWAY AND QRIS TO STRENGTHEN BUMDES FINANCIAL MANAGEMENT IN TEGALWERU VILLAGE Rofiq, Ainur; Prameka, Adelia Shabrina; Fasieh, Muhammad Fajrul Islam
Erudio Journal of Educational Innovation Vol 12, No 2 (2025): Erudio Journal of Educational Innovation
Publisher : Faculty of Administrative Science, Universitas Brawijaya

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Abstract

This community service program aims to increase compliance among the residents of Tegalweru Village in paying water and sanitation fees through the innovation of the Smart Billing digital payment system based on WhatsApp Gateway and QRIS Payment Gateway. The activity will be held on September 21, 2025, at the Tegalweru Village Hall, involving 30 participants from the Karang Taruna and BUMDes management. The implementation method uses a participatory approach through the stages of socialisation, Focus Group Discussion, training, and mentoring. The evaluation results showed a significant improvement in participants' knowledge, attitudes, and skills; with the majority of participants understanding and being able to use the digital payment system independently. This program has proven to improve the financial efficiency and transparency of BUMDes and strengthen the digital literacy of rural communities. The recommended activity is to expand the implementation of the Smart Billing system to all village residents and make it a replication model for other villages towards sustainable Smart Villages.
Co-Authors Adelia Shabrina Prameka Ainur Rofiq Gulam B, Muhammad Irsyad Hakim, Abdurrahman Hidayat, Bambang Samsul Nanang Suryadi