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All Journal Safari : Jurnal Pengabdian Masyarakat Indonesia Jurnal Ilmiah Ekonomi dan Manajemen
Finkan Nadia
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Implementasi QRIS sebagai Inovasi Pembayaran Digital pada UMKM di Desa Serbananti Diska Najwa Andini; Finkan Nadia; Wafiyah Ningrum; Nurul Huda Prasetya
SAFARI :Jurnal Pengabdian Masyarakat Indonesia Vol. 6 No. 1 (2026): Januari: SAFARI: Jurnal Pengabdian Masyarakat Indonesia
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/safari.v6i1.3443

Abstract

This study examines the implementation of the Quick Response Code Indonesian Standard (QRIS) as a digital payment innovation for Micro, Small, and Medium Enterprises (MSMEs) in Serbananti Village, Serdang Bedagai Regency. The background of this study is the low level of digital literacy and the still high level of cash transactions, which causes MSMEs to face obstacles in efficiency and market access. The purpose of this study is to explore the QRIS adoption process, identify the challenges faced, and assess its impact on increasing transactions and customer satisfaction. This study uses a descriptive qualitative method with observation, interviews, and direct coaching techniques for MSMEs. The research findings indicate that the implementation of QRIS through the OVO application has facilitated payment transactions, increased consumer trust, and expanded the market. However, there are obstacles that arise, such as inadequate internet infrastructure, limited device availability, low digital literacy levels, and negative views regarding discount fees (MDR). These results underscore the fact that the success of QRIS implementation depends not only on technology, but also on continuous education, infrastructure support, and incentive policies that support MSMEs.
Analisis Kinerja Portofolio Optimal Menggunakan Model Markowitz pada Instrumen Saham di Bursa Efek Indonesia Finkan Nadia; Taufiq Kamil Batubara; Bintang Ramadhan Saragih; Nur Hamidah; Dicky Pratama; Tria Annisa; Dinda Aulia Sari; Muhammad Ikhsan Harahap
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8626

Abstract

This study aims to analyze the performance and determine the optimal asset allocation of a stock portfolio in the Indonesia Stock Exchange (IDX) by rigorously applying the Markowitz Mean-Variance Model. This research is a quantitative study that utilizes historical return data from a selection of highly liquid blue-chip stocks over a five-year observation period. The methodology involves calculating the expected return, variance, and covariance matrices, followed by quadratic optimization to identify the most efficient portfolios, specifically the Global Minimum Variance Portfolio (GMVP) and the Tangent Portfolio. The findings reveal that significant benefits from diversification are achieved due to moderate positive correlation among the selected assets, resulting in a distinctly curved efficient frontier. The optimal portofolio, characterized by the highest Sharpe Ratio, consistently demonstrates a superior risk-adjusted return profile compared to investing in any single stock asset. This study concludes that the Markowitz Model is highly effective in structuring investment strategies in the IDX, validating the importance of covariance analysis for risk mitigation and strongly aligning with the prudent investment principles of Islamic economics (ghair gharar).
Co-Authors Bintang Ramadhan Saragih Dicky Pratama Dinda Aulia Sari Diska Najwa Andini Harahap, Muhammad Ikhsan NUR HAMIDAH Nurul Huda Prasetya Taufiq Kamil Batubara Tria Annisa Wafiyah Ningrum