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All Journal Transekonomika : Akuntansi, Bisnis dan Keuangan El-Mujtama: Jurnal Pengabdian Masyarakat
Lestari, Widyana
Unknown Affiliation
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Upaya Peran Mahasiswa KKN UGJ dalam Meningkatkan Minat Baca di SDN 2 Karangwangi Kabupaten Cirebon Luthfi, Muhammad Farhat; Aulia, Najwa; Kadefi, Inel; Nazieha, Zahratun; Aruman, Farel Maryam; Fadilah, Gina; Trijuni, Fiyana; Fatmawati, Suci Adella; Aprillyanti, Intan; Lestari, Widyana; Noviana, Fiska; Triani, Mutiara; Safitri, Meylina; Fauziah, DIva; Anindiya, Iqlima; Santi, Dewi Rara; Rohman, Ade Saefu; Alfarizi, Lindan; Rizky, Agustiyan; Saputra, Rubian; Ivan, Muhammad; Andika, Ilham Fauzian; Abim, Mohammad; Pinasti, Juan Dinar; Kholidah; Rafdi, Mohd. Abi
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 5 No. 6 (2025): El-Mujtama: Jurnal Pengabdian Masyarakat 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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Abstract

This community service activity, conducted by the Literacy-Thematic KKN students of Universitas Swadaya Gunung Jati at SDN 2 Karangwangi, aimed to improve students’ reading interest through structured literacy programs. Initial observations showed limited facilities, including the absence of a proper library, insufficient book collections, and an unrealized reading corner, while the School Literacy Movement (GLS) was not optimally implemented. To overcome these challenges, several activities were carried out such as writing stories inspired by books, book reviews, reading aloud, literacy-based projects, village literacy competitions, school literacy visits, and the establishment of a reading corner. The implementation of these programs increased students’ enthusiasm for reading and encouraged them to utilize available facilities. Furthermore, the activities fostered students’ creativity, as reflected in their literary works displayed on the reading corner board. The program also motivated the school to sustain literacy initiatives by appointing a responsible teacher and planning future improvements
Operational Efficiency as a Mediator in the Relationship Between Digital Payment, Digital Customer Service, and Profitability in Indonesian Insurance Companies Lestari, Widyana; Krisdiana, Krisdiana
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 6 No. 1 (2026): January
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v6i1.1163

Abstract

Backgrounds: InsurTech adoption, encompassing digital payment systems and digital customer service platforms, is growing rapidly in Indonesia's insurance industry, yet empirical evidence on how these digital initiatives translate into profitability through operational efficiency mechanisms remains limited among publicly listed general insurance companies. Objectives: This study examines the mediating role of operational efficiency between InsurTech adoption and profitability in Indonesian general insurance companies, with InsurTech proxied by Digital Payment and Collection System and Digital Customer Service, operational efficiency measured by Expense Ratio, and profitability measured by Return on Equity (ROE). Methodology: Using panel data from 11 general insurance companies listed on the Indonesia Stock Exchange during 2020-2024 (55 firm-year observations), the study applies multiple regression and bootstrapping mediation analysis (PROCESS Macro Model 4). Findings: Digital Payment significantly and positively affects both ROE (H1) and Expense Ratio (H2), and full mediation by Expense Ratio is confirmed (H6), with the indirect effect remaining significant (BootLLCI = 0.0803; BootULCI = 0.2436) while the direct effect becomes insignificant. Digital Customer Service does not significantly influence ROE or Expense Ratio, either directly or indirectly (H3, H4, H7 not supported). Conclusions: Internal process digitalization improves profitability only through operational efficiency, underscoring the importance of prioritizing digital investments that reduce operational costs. Customer-facing digital services, while valuable for service quality and loyalty, do not yet produce measurable short-term financial returns through efficiency channels.
Co-Authors Abim, Mohammad Alfarizi, Lindan Andika, Ilham Fauzian Anindiya, Iqlima Aprillyanti, Intan Aruman, Farel Maryam Aulia, Najwa Fadilah, Gina Fatmawati, Suci Adella Fauziah, DIva Ivan, Muhammad Kadefi, Inel Kholidah Krisdiana Krisdiana, Krisdiana Luthfi, Muhammad Farhat Nazieha, Zahratun Noviana, Fiska Pinasti, Juan Dinar Rafdi, Mohd. Abi Rizky, Agustiyan Rohman, Ade Saefu Safitri, Meylina Santi, Dewi Rara Saputra, Rubian Triani, Mutiara Trijuni, Fiyana