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Lalu Yayan Ardiansyah
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income@universitasbumigora.ac.id
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LPPM Universitas Bumigora, Jl. Ismail Marzuki, Cilinaya, Cakranegara,Mataram, Nusa Tenggara Barat, 83127
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INDONESIA
Income : Digital Business Journal
Published by Universitas Bumigora
ISSN : 29858348     EISSN : 29858348     DOI : https://doi.org/10.30812/income.v3i1
Core Subject : Economy,
Economics, Econometrics & Finance
INCOME merupakan jurnal milik Universitas Bumigora dari prodi Bisnis Digital (e-ISSN: 2985-8348). Jurnal Income merupakan wadah bagi para peneliti untuk publikasi karya ilmiah mengenai Manajemen Bisnis, Literasi Keuangan Digital, Sistem Informasi, Pemasaran dan Pemograman. Income sebagai wadah informasi dan referensi dalam menyebarluaskan perkembangan ilmu pengetahuan serta digitalisasi dalam dunia akademik dan praktik. Jurnal Income memiliki jadwal publikasi pada bulan Januari dan Juli setiap tahunnya. Informasi lebih lanjut dapat menghubungi via email ke Income@universitasbumigora.ac.id atau via WA ke 081775114835.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
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Search results for , issue "vol. 4 no. 2 (2026)" : 5 Documents clear
Pengaruh Dana Pihak Ketiga Fintech Terhadap Fintech Lending di Indonesia Rizka Ayu Amalia; Animah Animah
Income : Digital Business Journal Vol. 4 No. 2 (2026)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i2.4441

Abstract

This study aims to analyze the effect of fintech third-party funds on fintech lending in Indonesia. Using aggregate time series data on fintech lending and fintech third-party funds from January 2018 to December 2023, the total number of observations in this study reached 72. To analyze the effect of fintech third-party funds on fintech credit distribution, this study applies multiple linear regression analysis with the help of SPSS 19 software. The findings in this study indicate that fintech third-party funds have a positive and significant effect on fintech lending distribution in Indonesia. This indicates that an increase in third-party funds originating from the public contributes significantly to an increase in the volume of credit distribution by fintech platforms. In other words, the larger the amount of third-party funds available, the higher the credit distribution capacity that can be carried out by fintech lending. These findings underline the important role of third-party funds in expanding credit access and improving efficiency in the fintech financing system in Indonesia, as well as providing insights for stakeholders in designingstrategies to maximize the positive impact of third-party funds on credit distribution. First, fintech platforms must increase transparency, incentives, and fund management to attract morethird-party funds, expand credit capacity, and serve more customers. Second, an increase in third-party funds can expand credit access, strengthen financial inclusion, and support productdevelopment and technological innovation.
Strategi Agrowisata Durian Untuk Meningkatkan Perekonomian Masyarakat Dalam Menghadapi Era Digital Leny Syafiatun Nuriyah; Laili Handayani
Income : Digital Business Journal Vol. 4 No. 2 (2026)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i2.6609

Abstract

The development of digital technology has changed the management and marketing patternsof community-based tourist destinations, including the agrotourism sector. Songgon Village,Banyuwangi Regency, has a significant potential for durian agrotourism, but the use of digitaltechnology in its development still faces various challenges. These include limited digitalpromotion, low human resource capacity, and less-than-optimal innovation in tourism services.This study aims to analyze the digital-based durian agrotourism development strategy in improvingthe community’s economy. This research uses a qualitative descriptive approach with a purposivesampling technique, targeting agrotourism managers, durian farmers, MSME operators, thevillage government, and tourists. Data was collected through observation, in-depth interviews,and documentation, and then analyzed using the Miles, Huberman, and Saldaña model throughdata reduction, data display, and conclusion drawing. The results show that durian farming has apositive impact on increasing community income through job creation, the development of durianprocessed MSMEs, and an increase in tourist visits. Digital strategies that have begun to beimplemented include promotion through social media, digital payments using QRIS, reservationsystems, the digitization of tourism information through QR Codes, and the application ofthe smart farming concept. This research contributes a digital-based agrotourism developmentstrategy model that can be replicated in other local commodity-based tourism villages.
Implementasi Cashless Pada Pengelolaan Uang Saku Santri: Membangun Financial Behavior melalui PengelolaanKeuangan Berbasis Transaksi Digital Indana Almas Azhar; Tutut Aprillia Pratiwi
Income : Digital Business Journal Vol. 4 No. 2 (2026)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i2.6618

Abstract

Payment digitalization is encouraging Islamic boarding schools to use cashless systems for studenttransactions, including daily pocket money. This study aims to analyze how cashless systemsare used to manage money, focusing on budgeting, record-keeping, and spending evaluation.The study employed a qualitative case study approach at the Darussalam Blokagung IslamicBoarding School, involving interviews with 12 students, observations of transactions, and areview of payment records. The data was analyzed by condensing it, displaying it, and drawingconclusions. The results show that cashless systems help students check their balances, improvetransaction records, and encourage them to review their spending with their guardians or schooladministrators. However, how well it works depends on financial knowledge, student discipline,account security, and system stability. Therefore, cashless systems should be treated as a meansof teaching financial management, rather than merely a payment tool.
Mengoptimalkan Potensi Ekonomi Digital Melalui Komunikasi Digital pada Upacara Mulud Adat Bayan Ashar Banyu Lazuardi; Mohamad Yudisa Putrajip; Lalu Yayan Ardiansyah
Income : Digital Business Journal Vol. 4 No. 2 (2026)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i2.6685

Abstract

The Bayan Customary Mulud Ceremony is an intangible cultural heritage of the Sasak people. Ithas the potential to be a cultural tourism attraction and a source for digital economy development.However, this potential has not been fully utilized because current digital communication failsto connect cultural values with economic opportunities for the community. This researchaims to analyze the digital economy potential of the Bayan Customary Mulud Ceremony byexamining the government’s digital communication and empirical conditions in the field. Theresearch uses a qualitative approach with a case study method. Data was collected throughnon-participatory observation during the ceremony and analysis of the West Nusa TenggaraProvincial Government’s official tourism promotion website. The results show that digitalcommunication is still focused on destination promotion and has not integrated cultural economic potential. Information about the Bayan Customary Mulud does not highlight the philosophical values of the ritual, the event calendar, or the economic opportunities that can be developed. In the field, tourists are still mostly local visitors, micro, small, and medium enterprises (MSMEs) operate independently, and the spatial arrangement for tourists is not yet optimal. This research concludes that digital economy development requires a digital communication strategy that integrates digital storytelling, cultural promotion, MSME empowerment, and indigenous community-based destination management to create sustainable cultural tourism.
Pengaruh Keamanan Siber, Efikasi Diri, Dan Sosialisasi Finansial Digital Terhadap Keberlanjutan UMKM Thea Amantha Maliagung; Lalu Yayan Ardiansyah; Rina Komala
Income : Digital Business Journal Vol. 4 No. 2 (2026)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i2.6700

Abstract

Digital financial literacy has been widely studied as a determinant of micro, small, and medium enterprise (MSME) sustainability, yet most studies remain focused on general financial and digital knowledge dimensions. Other dimensions that shape entrepreneurs' digital financial behavior are rarely examined in depth, namely cybersecurity awareness, digital financial self-efficacy, and digital financial socialization. This study aims to build a conceptual framework on the influence of these three variables on MSME business sustainability. A narrative literature review method was applied to relevant articles published between 2013 and 2026. The review indicates that cybersecurity awareness, digital financial self-efficacy, and digital financial socialization conceptually contribute to business sustainability by strengthening MSME owners' confidence and the security of their digital transactions. The implication is that digital financial literacy programs should not only emphasize product knowledge but also security, self-confidence, and social support in the use of digital financial services.

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