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Dewa Ayu Putu Angelina Dewi; I Wayan Sudiarsa; Ni Made Dwi Junita Sariyani; Yuvensia Armelia Sumu; Gusti Ngurah Abhimanyu

Jurnal Bisnis Inovatif dan Digital 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The rapid development of digital technology has led to an increased adoption of digital payment methods in online transaction-based businesses. However, in practice, failures and limitations in the implementation of digital payment systems still occur, potentially disrupting transaction processes and reducing customer convenience. Payment related obstacles may result in transaction cancellations and increase the risk of customer churn. This study aims to analyze the impact of failures and limitations in digital payment methods on customer churn using a classification-based approach. The data used in this research are secondary e-commerce customer data obtained from the Kaggle platform, including transaction information, payment methods, customer behavior, and historical transaction records. The research methodology consists of data preprocessing, time-based feature engineering, and classification modeling using logistic regression, decision tree, and random forest algorithms. Model performance is evaluated using accuracy, precision, recall, F1-score, and confusion matrix metrics. The results indicate that the decision tree model demonstrates superior capability in identifying churn customers compared to the other models, although it does not always achieve the highest accuracy. In addition to digital payment methods, other factors such as purchase value, transaction frequency, purchase timing patterns, and product return rates also influence customer churn. The findings highlight the importance of optimizing digital payment systems as part of customer experience enhancement strategies and customer retention efforts in online transaction–based businesses.

Rustiya Noorbasara; Resi Juariah Susanto

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the application of occupational safety and health in the Special Vehicle Division of PT Pindad using hazar indentification, risk assessment, and risk control methods. The focus of the research is to identify potential hazards, assess the level of risk, and evaluate risk control efforts in the production process of the Special Vehicle Division. The research method used is descriptive with a quantitative approach. The data used in this study was obtained from the results of interviews and direct observations at the company. The results of this study show that there are 5 activities that are identified as causing potential danger, and the risk rating is determined, namely the first activity has a medium risk value, the second activity has a low risk value, the third activity has a negligible risk value, the fourth activity has a high risk value, and the fifth activity has a medium risk value, as well as administrative control efforts, technical control, and PPE control.

Najla Kayla; Mia Lasmi Wardiyah

Riset Ilmu Manajemen Bisnis dan Akuntansi 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Auditors' compliance with the Public Accountant Professional Standards (SPAP) is the main concern in maintaining the quality and trust of the audit process, especially in the face of increasingly complicated audit tasks. This study aims to evaluate the level of integ-rity and skepticism of auditors in supporting compliance with SPAP. This study uses a de-scriptive qualitative approach with observation methods and document studies. The object of the research is the Public Accounting Firm Dra. Yati Ruhiyati, data was obtained from direct observation during the field professional practice period and analysis of relevant audit documents. The results of the study show that the integrity of auditors can be seen from consistency in carrying out audit stages, compliance with established procedures, and clarity in audit documents. The professional skepticism of auditors can be seen from the cautious attitude in evaluating audit evidence, including the application of additional checks before drawing conclusions. These findings show that compliance with SPAP is not only formal, but also highly dependent on the auditor's professional attitude. This study shows the importance of increasing the integrity and professional skepticism of auditors as part of efforts to improve quality and compliance in audit practices in Public Accounting Firms.

M. Yunasri Ridhoh; Indri Iswardhani; Sri Astuti Nasir; Nulthazam Sarah; Nur Fadilah Ayu Sandira

Jurnal Pengabdian Masyarakat Terapan 2026 Lembaga Pengembangan Kinerja Dosen

Corruption is a serious problem that leads to declining public trust, weakened governance, and hindered national development. Beyond economic losses, corruption also erodes moral values, ethics, and social justice within society. Therefore, corruption prevention efforts must be carried out systematically and sustainably, one of which is through the internalization of anti-corruption values at an early stage, particularly among students as future generations. This community service activity aimed to instill values of integrity, honesty, responsibility, and public ethics among students through the Anti-Corruption Generation Interactive Seminar, conducted in commemoration of International Anti-Corruption Day 2025. The activity involved approximately 150 junior and senior high school students in Makassar. The method employed was an interactive seminar implemented through material presentations and discussions between speakers and participants. The seminar materials emphasized an understanding of the dangers of corruption, its impacts on national and social life, and the strategic role of students in fostering an anti-corruption culture within schools and the wider community. The evaluation of the activity was conducted through observation of participant engagement and responses during the seminar. The results indicated an increase in students’ understanding and awareness of anti-corruption values, as well as the importance of integrity-oriented behavior in everyday life. This activity demonstrates that interactive seminars can serve as an effective approach to supporting students’ character development and strengthening preventive efforts against corruption.

Alfira Alfira; Hafsya Wulandari A.; Haniah Haniah

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Dynamics of social interaction within the alleyways of urban neighborhoods, which serve as unique social spaces amid the ongoing processes of modernization. Conducted in the alleyways of Makassar City, this research employs an ethnographic approach through participant observation, in-depth interviews, and field note documentation. The findings reveal that alleyways function not only as physical pathways but also as vibrant social arenas where communal activities—such as neighborhood gatherings, mutual aid, and small-scale household economies—take place. Modernization introduces significant changes to these patterns of interaction. On one hand, infrastructural development, technological penetration, and increased mobility foster new forms of interaction that are more practical and individualistic. On the other hand, core values of solidarity, including mutual support and close neighborly relations, continue to persist through community-based initiatives, local empowerment programs, and informal shared activities. The study concludes that alleyways represent hybrid social spaces where tradition and modernity intersect, demonstrating residents’ efforts to maintain social cohesion despite the pressures of social change. These findings are expected to contribute to policy development and inform local authorities in designing culturally sensitive alleyway development programs.

Jamaludin Ansori; Siti Qomariyah; Ridwan Ridwan; Opik Opik; Aang Purnawirawan +1 more

International Journal of Education and Literature 2026 Lembaga Pengembangan Kinerja Dosen

This study aims to describe the implementation of the Al-Miftah method in improving the mastery of reading traditional Islamic texts at Al-Mashhad Senior High School in Cijurai, Sukabumi. This study uses a qualitative approach with a descriptive research type. Data collection techniques were carried out through observation, in-depth interviews, and documentation of Al-Miftah teachers, students, and related parties. The results of the study indicate that the Al-Miftah method is implemented through the stages of introducing the basic rules of nahwu-sharaf, practicing reading traditional Islamic texts in stages, and strengthening understanding through repetition and direct practice. The implementation of this method has been proven to help students understand the structure of Arabic and improve their ability to read traditional Islamic texts, although several obstacles were still encountered, such as differences in students' Arabic language backgrounds, limited learning time, minimal independent practice, and limited mastery of the method by teachers. Efforts made to overcome these obstacles include learning grouping, time optimization, out-of-class practice assistance, and improving teacher competency through continuous training and evaluation. Thus, the Al-Miftah method has a positive contribution in increasing mastery of reading traditional books at Al-Mashhad Cijurai Sukabumi High School if supported by appropriate and continuous learning strategies

Larysa Fernenda; Iqbal Oktaviano Forest; Ifqo Hasanah; Azeng Setiyaningsih; Widiya Febriani +6 more

Jurnal Pengabdian dan Kesejahteraan Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

Adolescence is a crucial period in human development, characterized by biological, psychological, and social changes. At this stage, adolescents require proper understanding of reproductive health to prevent risky behaviors and to support the development of healthy and responsible attitudes. This community service activity aimed to improve students’ knowledge of reproductive health through socialization at State Vocational High School (SMKN) 1 Mempura, Siak Regency. The method used was descriptive qualitative with a focus on education through material delivery, interactive discussions, and question-and-answer sessions. The activity was conducted on August 14, 2025, at the SMKN 1 Mempura Hall, involving 39 students out of 50 targeted participants. Data were obtained through observation of students’ participation and documentation of the activity, and were then analyzed descriptively and qualitatively. The results showed that students were enthusiastic in attending the socialization and demonstrated improved understanding of reproductive health concepts, reproductive organ functions, personal hygiene, and the risks of unsafe sexual behaviors. The interactive discussion also revealed students’ willingness to ask questions and share perspectives, reflecting stronger attitudes and confidence in maintaining reproductive health. In conclusion, the socialization of reproductive health at SMKN 1 Mempura successfully enhanced students’ knowledge and awareness. Despite limitations in terms of time allocation and long-term evaluation, this activity provided tangible benefits. Future efforts are recommended to develop sustainable programs supported by additional learning media and closer collaboration with the school.

Zulkarnain Zulkarnain; Faradillah Usman; Suciyati Sundu; Fidzah Nurfajrina Murad; Wirda Aulia

Jurnal Pengabdian dan Kesejahteraan Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

Oral and dental health problems among elementary school children remain relatively high, particularly dental caries, which is influenced by low levels of knowledge and inadequate toothbrushing skills. Children aged 6–12 years are in the mixed dentition phase and therefore require special attention in maintaining oral hygiene. This community service activity aimed to improve the knowledge and toothbrushing skills of elementary school students through a demonstration method using a dental phantom model. The activity was conducted at SD Inpres Maccini Sombala I in January 2026 and involved elementary school students as participants. The methods applied included oral health education, demonstration of proper toothbrushing techniques using a dental phantom, mass toothbrushing practice, and evaluation through pre-test and post-test as well as direct observation. The results showed an improvement in students’ understanding of the correct timing, frequency, and technique of toothbrushing, namely brushing twice a day after breakfast and before bedtime. In addition, students were able to practice proper toothbrushing techniques more effectively after the demonstration. The use of a dental phantom as an educational medium proved to be effective in increasing students’ interest, understanding, and toothbrushing skills. This activity is expected to help establish good toothbrushing habits from an early age and support promotive and preventive efforts to reduce the prevalence of dental caries among elementary school children.

Nurul Nisah

Jurnal Pengabdian dan Perubahan Sosial 2026 Lembaga Pengembangan Kinerja Dosen

Breast cancer is one of the most prevalent cancers among women and remains a major public health concern due to late detection and limited awareness of early prevention. Community empowerment through health education plays a crucial role in improving knowledge and early detection practices. This community service activity aimed to enhance women’s knowledge and skills related to breast cancer prevention and early detection through breast self-examination (BSE). The activity employed a participatory educational approach, including health education sessions, demonstrations, and hands-on BSE practice. Participants were women aged 20–60 years from the community. Evaluation was conducted using pre-test and post-test questionnaires and direct observation of BSE practice. The results indicated a significant improvement in participants’ knowledge and ability to correctly perform BSE following the intervention. These findings suggest that structured, community-based education and empowerment programs are effective in increasing awareness and promoting early detection behaviors for breast cancer. Continuous implementation of such programs is recommended to support breast cancer prevention efforts and improve women’s health outcomes.

Navisa Fisabilillah; Alma Pratiwi Husain

SOSIAL: Jurnal Ilmiah Pendidikan IPS 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

In the era of globalization and rapid technological advancement, Indonesia’s indigenous culture faces various challenges that may gradually erode traditional values within society, particularly among the younger generation. Local cultural diversity represents a vital national asset that must be preserved and sustained through strategic efforts, one of which is education. Social studies education plays an important role in instilling students’ knowledge, understanding, and appreciation of local cultural diversity as an essential component of national identity. This article aims to examine the contribution of social studies education to the development of students’ character through respect for cultural diversity in their surrounding environment, the cultivation of tolerance, and the enhancement of cultural awareness. The study adopts a qualitative descriptive approach using a literature review methodology by analyzing relevant academic sources, including books, journal articles, and previous research findings. The results reveal that integrating local culture and indigenous knowledge into social studies learning can strengthen students’ social awareness, deepen their understanding of cultural values, and foster responsible, empathetic, and tolerant character traits. Moreover, the effectiveness of local culture–based social studies education is strongly influenced by the role of teachers as facilitators, motivators, and role models who provide contextual, relevant, and meaningful learning experiences for students.  

Putu Ryanniva Karenina

Federalisme : Jurnal Kajian Hukum dan Ilmu Komunikasi 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study aims to evaluate the effectiveness of implementing Law Number 27 of 2022 concerning Personal Data Protection in Indonesia's efforts to prevent and combat phishing crimes. This research employs a normative legal method to analyze the implementation of the PDP Law in the context of preventing and combating phishing crimes. The findings indicate that the PDP Law has provided a comprehensive legal framework for protecting personal data, including data that is often targeted by phishing attacks.The implementation of the PDP Law is overseen by the Personal Data Protection Authority, which has the authority to impose administrative sanctions, support law enforcement processes, and evaluate cross-border data transfers. To achieve maximum effectiveness in combating phishing crimes, strong synergy is needed between the government, private sector, and the public. The PDP Law has provided a good legal framework, but the success of its implementation is highly dependent on the commitment of all parties to work together in protecting personal data.

Mailin Mailin; Azli Azumar Nasution; Mhd. Adjie Permana; Intan Fahzirah; Ahmad Habibi Daulay +2 more

Jurnal Pengabdian Kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

Local food innovation is not only focused on product development but also requires effective communication strategies to build positive perceptions and enhance market competitiveness. This study aims to analyze the implementation of innovation communication strategies by micro, small, and medium enterprises (MSMEs) in developing papaya-based chili chips as a flagship product in Nagori Karang Anyar, Gunung Maligas District, Simalungun Regency. The research employs a descriptive qualitative approach, focusing on the product innovation process, marketing communication patterns, and efforts to build product image amid competition in the local food industry. The findings indicate that innovation communication strategies play a crucial role in creating product differentiation through narratives of unique taste, utilization of local raw materials, and promotional strategies combining traditional methods and digital media. Papaya chili chips are positioned as a product that blends distinctive local flavors with a modern touch, attracting consumer interest and increasing the added value of papaya as a local commodity. This study emphasizes that the success of local food innovation depends not only on product quality but also on the ability of MSMEs to manage adaptive and persuasive communication strategies.

Dwi Setyorini; Laviana Nita Ludyanti

International Journal of Health and Social Behavior 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

Adolescents require higher levels of nutrients for physical growth and development, but the current trend is for adolescents to prefer instant foods such as junk food, spicy foods and foods containing unhealthy additives. This has led to the emergence of various diseases, one of which is gastritis. This condition is even more risky for female students living in Islamic boarding schools with busy activities and irregular meal schedules, thus requiring efforts to prevent gastritis. This study aims to determine the gastritis prevention behaviour of female students at Ma'had Asy-Syakur MAN 2 Kediri. This study uses a descriptive design with one variable, namely gastritis prevention behaviour. The research population consisted of students living at Ma'had Asy-Syakur MAN 2 Kediri, with a total of 59 respondents. Data collection was conducted using a gastritis prevention behaviour questionnaire. The results showed that almost all respondents (81.36%) had gastritis prevention behaviours in the adequate category, with a small portion in the good category (18.64%). The female students' busy and well-scheduled activities, accompanied by the implementation of discipline, regular meal arrangements, and the provision of stomach-friendly menus, contributed to the formation of gastritis prevention behaviour. The most common preventive behaviour was avoiding spicy foods, due to habits, taste preferences, and socio-cultural factors that had been established. This study recommends the need for health education that not only focuses on increasing knowledge but also changing attitudes and habits so that gastritis prevention behaviour can be further optimised.

Renata Dian Firmadani

Jurnal Publikasi Ilmu Psikologi. 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

This study aims to determine the relationship between low self-acceptance and the level of self-efficacy in prisoners, as well as its implications on social life after prisoners are released from punishment. The systematic review method  is used with the SPIDER approach to formulate research questions and select relevant articles. The search was conducted through the Publish or Perish, Google Scholar, and Scopus databases with keywords related to self-acceptance, self-efficacy, and inmates. Of the 100 articles identified, 13 studies met the inclusion criteria. The results of the review showed that low self-acceptance was consistently negatively associated with self-efficacy in prisoners, which had an impact on low self-confidence to face social challenges, reintegration, and overcome societal stigma. Psychological factors such as guilt, anxiety, depression, and insecurity can exacerbate low self-acceptance, especially in female inmates. In addition, social support from family, the environment, and psychological interventions have been shown to play an important role in improving self-acceptance and self-efficacy. Interventions such as expressive art therapy, psychoeducation, counseling, skills training, and religious activities have shown effectiveness in improving psychological well-being. These findings underscore the importance of systematic efforts to improve self-acceptance and self-efficacy to support the successful social reintegration of prisoners.

Mansyur, Marlina; Wati, Yesi Septina; Mardiya, Rizka; Yanti, Rifa

Jurnal Riset Rumpun Ilmu Kedokteran 2026 Pusat riset dan Inovasi Nasional

Maternal Mortality Rate (MMR) remains a major global health issue that requires serious attention. Based on the Indonesian Health Survey (Survei Kesehatan Indonesia/SKI), Indonesia’s MMR in 2022 was recorded at 195 per 100,000 live births and decreased to 189 per 100,000 live births in 2023. Although this decline indicates some progress, the figure remains far from the Sustainable Development Goals (SDGs) target of fewer than 70 maternal deaths per 100,000 live births by 2030. Therefore, various promotive and preventive efforts are needed to reduce MMR, one of which is by improving pregnant women’s compliance in attending antenatal classes. This study aimed to examine the relationship between pregnant women’s knowledge and family support and their compliance in attending antenatal classes in the working area of Sinaboi Public Health Center. This research employed a quantitative analytic method with a cross-sectional design. The total number of respondents was 136 pregnant women. The results of the univariate analysis showed that 78 respondents (57.4%) had good knowledge, 74 respondents (54.9%) received family support, and 106 respondents (78.0%) were compliant in attending antenatal classes. The Chi-square test results indicated a significant relationship between pregnant women’s knowledge and compliance in attending antenatal classes (p-value = 0.03), as well as a significant relationship between family support and pregnant women’s compliance in attending antenatal classes (p-value = 0.02). This study is expected to serve as a reference for health workers and future researchers in enhancing education and family involvement to encourage active and regular participation of pregnant women in antenatal classes.

Ezra Kalyla; Nadia Khumairatun Nisa; Muhammad Adjie Akbar; Nathania Aulia Damayanti; Revaldy Putra Razwa +2 more

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

This study analyzes the implementation of cultural preservation policies in Lebak Regency in the context of the Seren Taun tradition as part of efforts to maintain local wisdom and sustainable development. The approach used is qualitative with a case study method, through interviews, observations, and documentation studies of local governments, traditional leaders, and the Kasepuhan Citorek community. Data analysis was carried out using the Miles and Huberman model, including data reduction, data presentation, and conclusion drawn. The results of the study show that the implementation of cultural preservation policies in Lebak has been regulated through Regent Regulation Number 435 of 2022 concerning Regional Cultural Promotion, which emphasizes the importance of indigenous peoples' participation. The implementation of this policy is analyzed using Edwards III's theory, which includes communication, resources, disposition, and bureaucratic structure. The Seren Taun tradition has proven to play an important role in strengthening cultural identity, fostering social solidarity, maintaining food security, and teaching ecological awareness. However, challenges such as budget constraints, low cultural documentation, and shifting values of the younger generation remain major obstacles. This research emphasizes that synergy between the government, customary institutions, and communities is the key to the success of sustainable and inclusive cultural preservation in Lebak Regency.

, Faradila Faradila; Nur Arifudin; Nomensen Freddy Siahaan

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

This is related to the rights of traffic accident victims regulated in Article 240 of Law 22 of 2009 concerning Road Traffic and Transportation "traffic accident victims have the right to receive compensation from the party responsible and are entitled to insurance compensation from the insurance company". Article 1365 of the Civil Code, every person who commits an unlawful act is obliged to compensate for the losses arising from his or her mistake. In fact, many accidents occur due to damaged roads in Samarinda City, so this is one of the factors causing traffic accidents.The aim of this research is to answer two things. First, to find out and examine unlawful acts by the authorities in cases of traffic accidents due to damaged roads. Second, we want to know and examine the legal responsibilities of road operators. In this part of the research, we review and explore the relevant laws that regulate and are relevant to claims for compensation against road operators by victims of traffic accidents due to damaged roads.The results obtained from this research are as follows: 1) In this case, the occurrence of traffic accidents in terms of the last 5 years continues to show a significant increase, which means that the government has not maximally provided the community's rights, namely to have good roads. One of the causes of accidents is damaged roads, but to date no member of the public has filed a civil lawsuit against the government for compensation for the pain they suffered. 2) The government's regulations and efforts to provide protection for road users are sufficient, but they are not implemented optimally, in fact the public has never been given an appeal to demand their rights to receive good roads.  

Miftah Chairunnisa; Ummy Khairussyifa

Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

Breast milk (ASI) is the best source of nutrition for newborns because it contains complete, safe, and stable nutrients, thus supporting optimal growth and development of infants. However, some breastfeeding mothers still do not fully understand the sufficiency of breast milk and its benefits for babies. Therefore, health education efforts are needed to improve the knowledge and understanding of breastfeeding mothers regarding breastfeeding. Health education is an educational activity aimed at inviting and encouraging the community to be willing to take actions that can maintain and improve health. This health education activity on the sufficiency of breast milk for breastfeeding mothers was held on January 24, 2026, at the Sungai Durian Community Health Center (UPTD). The method used in this activity was the delivery of material through health counseling accompanied by a measurement of the level of knowledge using pretest and posttest questionnaires. After the presentation of the material, breastfeeding mothers were asked to complete a posttest questionnaire to assess their understanding of the material that had been provided. The measurement results showed a significant difference between the pretest and posttest scores, indicating an increase in knowledge of breastfeeding mothers after being provided with health education. Thus, it can be concluded that health education activities about breast milk sufficiency are effective in increasing the understanding of breastfeeding mothers regarding the importance of providing sufficient breast milk for babies.

Rosidah Rosidah; Khoirul Umam

Jurnal Budi Pekerti Agama Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Amaliyah tadris or teaching practice is an activity in the form of teaching practice carried out by someone in a guided manner to acquire skills in giving lessons and taken within a certain time as one of the requirements for fulfilling the program. Amaliyah tadris is an important program that is taught to students to improve student competence in order to become professional teachers, and as a provision to prepare for the delivery of their knowledge to students or the public, especially in terms of education. Based on the problems above, this study has 3 objectives related to the research focus of the Implementation of the Amaliyah Tadris Program to Improve Student Competence in Teaching Class XI at MAN 5 Jombang. The research objectives are 1) to describe and explain the implementation of the amaliyah tadris program at Madrasah Aliyah Negeri 5 Jombang. 2) To describe and explain efforts to improve student competence in teaching at Madrasah Aliyah Negeri 5 Jombang. 3) To describe and explain the supporting and inhibiting factors for implementing the amaliyah tadris program to improve student competence in teaching Class XI at Madrasah Aliyah Negeri 5 Jombang. The type of research used in this research is field research. The research was conducted using a qualitative approach with descriptive methods. Data collection was carried out using interviews, observation techniques, and documentation. Informants in this study consisted of Deputy Head of Student Affairs, Head of the Amaliyah Tadris Program, Madrasah Teachers where the Amaliyah Tadris program was implemented, Students. The data collected for observation and interviews were analyzed using data source triangulation analysis techniques. Based on the results of the study it was found that: Micro teaching at MAN 5 Jombang is packaged in the form of the Amaliyah Tadris program or teaching practice. For this program conceptualized by group division. Each group consists of 8 members and is placed in 18 TPQ Institutions. Placement at the TPQ institution also has conditions with a distance of 5-7 km from MAN 5 Jombang.  

Muhammad Iqbal; Rozzy Aprirachman

Jurnal Ekonomi dan Pembangunan Indonesia 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to examine the effect of microcredit on the level of community welfare in Kecamatan Sumbawa, with study locations in Kelurahan Pekat and Brang Bara. Microcredit is positioned as one of the strategic instruments in efforts to empower the economy of low-income communities, especially through increasing access to financing, income generation, and social welfare. This research uses a quantitative approach with Structural Equation Modeling (SEM) method based on Partial Least Square (PLS). The study population consisted of 100 micro-entrepreneurs in the two villages who had received microcredit from local financial institutions. The variables analyzed include ease of credit access (X1), credit repayment (X2), income (Y), and community welfare (Z) which acts as a mediating variable. The results of the analysis show that easy access to microcredit does not have a significant effect on income or community welfare. In contrast, the variable of microcredit repayment has a positive and significant effect on community welfare. In addition, income also has a positive and significant influence on welfare, indicating that an increase in income is a key factor in determining the economic and social welfare of microcredit recipient households. This finding confirms that the success of the microcredit program is more influenced by the effectiveness of the management and sustainability of the credit repayment system, rather than solely by the ease of access to financing.