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Lalu Yayan Ardiansyah
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income@universitasbumigora.ac.id
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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 59 Documents
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Analisis Manajemen Resiko Keuangan Pada UMKM Batik Pancor Emas Leny Syafiatun Nuriyah
Income : Digital Business Journal Vol. 4 No. 1 (2026): .
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i1.6101

Abstract

The existence of UMKM suppresses economic growth in Indonesia, UMKM are businesses founded by individuals that support the community's economy with the power to grow the economy. UMKM have a large contribution and a major role in the current economy, but in a business there will always be problems or risks that will arise at any time in a business. Risks can be anticipated with risk management. The purpose of this study is to analyze financial risk management, especially in financial management that occurs inUMKM, financial management has an important influence on business growth both on a large and small scale, financial performance is a determinant of the success of a business, so this study is expected to find out the application and understanding of what financial management is applied by UMKM actors. The subject of this study is the Batik Pancor Emas UMKM with a qualitative research method. Good financial management in a business can minimize existing risks.
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.
Pengaruh Siaran Langsung dan Konten Promosi Terhadap Minat Beli Mahasiswa di TikTok Shop Anghrina Ananta Sudirman
Income : Digital Business Journal Vol. 4 No. 1 (2026): .
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i1.4664

Abstract

Perkembangan media sosial mendorong munculnya platform social commerce seperti TikTok Shop yang mengintegrasikan hiburan, promosi, dan transaksi dalam satu aplikasi. Penelitian ini bertujuan untuk menganalisis pengaruh siaran langsung dan konten promosi terhadap minat beli pelajar di TikTok Shop. Penelitian ini menggunakan pendekatan kualitatif dengan metode wawancara mendalam terhadap siswa yang aktif menggunakan TikTok Shop. Data dianalisis menggunakan analisis tematik untuk mengidentifikasi pola dan tema utama yang memengaruhi minat beli. Hasil penelitian menunjukkan bahwa siaran langsung berperan penting dalam membangun kepercayaan melalui interaksi real-time serta meningkatkan pemahaman terhadap produk, sedangkan konten promosi berfungsi sebagai pemicu awal ketertarikan konsumen. Kombinasi keduanya terbukti efektif dalam meningkatkan minat beli siswa. Penelitian ini memberikan implikasi praktis bagi pelaku usaha digital dalam merancang strategi pemasaran berbasis live streaming dan konten kreatif.
Penerimaan Uang Elektronik di Pesantren: Studi Kasus Aplikasi DQM Akses Budi Nugroho; Naila Khadijah Al Khansa; Fathna Adiba Misbah; Nida Ghaida
Income : Digital Business Journal Vol. 4 No. 1 (2026): .
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i1.6111

Abstract

This study examines user acceptance of the DQM Akses electronic-money application in the Darul Quran boarding-school environment and identifies key factors influencing adoption. A mixed-methods design was used, combining a Likert-scale questionnaire survey (n=159) with in-depth interviews involving users and system managers. The analysis is grounded in the Technology Acceptance Model (TAM), covering perceived usefulness, perceived ease of use, behavioral intention, and additional factors. Results indicate generally positive acceptance, with usability and transaction practicality highlighted as primary benefits, while network stability and card/saldo security remain concerns. Multiple regression suggests that behavioral intention and additional factors are the dominant predictors of acceptance, whereas perceived usefulness and ease of use contribute only marginally. The findings imply that improving user experience, reliability, and security features (e.g., PIN/OTP) is essential to strengthen cashless adoption in boarding schools. ==== Digitalisasi transaksi keuangan mulai merambah lingkungan pesantren, termasuk melalui aplikasi DQM Akses yang digunakan di SMAIT Darul Quran untuk mendukung transaksi non-tunai antara santri, guru, karyawan, wali santri, dan pedagang sekitar. Penelitian ini bertujuan mengukur tingkat penerimaan uang elektronik melalui DQM Akses serta mengidentifikasi faktor penentunya menggunakan kerangka \textit{Technology Acceptance Model} (TAM). Studi kasus ini menggunakan metode campuran: survei kuesioner skala Likert kepada 159 responden dan wawancara mendalam dengan perwakilan pengguna serta pengelola. Variabel TAM yang dianalisis mencakup kemanfaatan yang dirasakan (KD), kemudahan penggunaan (KP), niat menggunakan (NM), dan faktor tambahan (FT) seperti kepercayaan dan keamanan. Analisis dilakukan dengan statistik deskriptif, regresi linear berganda pada skor rata-rata blok variabel, dan analisis tematik untuk data kualitatif. Hasil menunjukkan penerimaan DQM Akses cenderung positif; pengguna menilai transaksi lebih praktis, efisien, serta meningkatkan transparansi pencatatan. Namun, kendala koneksi jaringan, antrean saat transaksi, dan proteksi keamanan kartu/saldo masih menjadi isu. Regresi mengindikasikan bahwa NM dan FT menjadi penentu utama penerimaan, sedangkan KD dan KP berkontribusi lebih kecil. Temuan ini menegaskan pentingnya penguatan keamanan, reliabilitas infrastruktur, dan komunikasi manfaat bagi pemangku kepentingan untuk mendorong adopsi cashless yang selaras dengan nilai pesantren. Implikasi praktisnya, pengelola pesantren dan pengembang aplikasi perlu menyediakan edukasi pengguna, SOP penanganan gangguan, serta mekanisme otentikasi (misalnya PIN/OTP) agar transaksi tetap aman dan nyaman bagi seluruh pihak.
Pengalaman Stakeholder terhadap Konsistensi Pesan Bisnis Multikanal dan Kejelasan Verifikasi Sumber dalam Komunikasi Bisnis Digital Ashar Banyu Lazuardi; I Wayan Kusuma Dibiaggi; I Gde Anjas Kharisma Nata
Income : Digital Business Journal Vol. 4 No. 1 (2026): .
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v4i1.6113

Abstract

Perkembangan komunikasi bisnis digital mendorong organisasi untuk memanfaatkan berbagai saluran komunikasi secara bersamaan. Namun, praktik komunikasi multikanal tersebut sering menghadapi permasalahan terkait konsistensi pesan dan kejelasan verifikasi sumber, yang berpotensi mempengaruhi kepercayaan pemangku kepentingan. Penelitian ini bertujuan untuk mengeksplorasi pengalaman pemangku kepentingan dalam memaknai konsistensi pesan bisnis multikanal dan kejelasan sumber verifikasi dalam komunikasi bisnis digital. Penelitian menggunakan pendekatan kualitatif dengan metode wawancara mendalam, observasi konten digital, dan dokumentasi komunikasi bisnis. Informan penelitian terdiri atas konsumen, mitra bisnis, dan karyawan yang terlibat langsung dalam aktivitas komunikasi digital organisasi. Analisis data dilakukan melalui teknik analisis tematik untuk mengidentifikasi pola makna yang muncul dari pengalaman informan. Hasil penelitian menunjukkan bahwa konsistensi pesan multikanal dipersepsikan sebagai indikator profesionalisme dan kerahasiaan organisasi, sedangkan kejelasan verifikasi sumber berfungsi sebagai mekanisme utama dalam membangun kredibilitas komunikasi bisnis digital. Temuan juga mengungkap bahwa kepercayaan pemangku kepentingan terbentuk melalui interaksi antara keselarasan pesan antar kanal dan kejelasan identitas sumber informasi. Penelitian ini berkontribusi dalam memperkaya kajian komunikasi bisnis digital dengan menempatkan pengalaman pemangku kepentingan sebagai pusat analisis, serta memberikan pentingnya praktis bagi organisasi dalam merancang strategi komunikasi multikanal yang terintegrasi dan kredibel.
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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