Publication Search

This study aims to design an effective cash accounting information system for an agrotourism hotel in Batu City. The data collection methods used are field studies and literature review, employing techniques such as observation, interviews, and documentation. The important significance of this research is to enhance the cash receipt procedures for hotel room rental payments by incorporating additional digital payment methods through e-wallets and QRIS, thereby increasing transaction efficiency that benefits both the hotel and consumers. The significant importance of this research is to enhance the efficiency of payment transactions, making it easier for both the hotel and consumers. The qualitative analysis in this study aims to improve the accuracy of cash recording, reduce the risk of errors and misuse of funds, enhance internal control, broaden payment options, and provide practical guidance for hotels and consumers regarding payment and cash receipt procedures. With improved cash receipt procedures, the hotel will be better prepared to meet consumer needs and increase competitiveness in response to changes.

Continuous improvements in infrastructure, security measures, and user education can help address these weaknesses and improve the overall effectiveness of QRIS as a digital payment solution. Some of the roles of using QRIS in the millennial generation are convenience. QRIS makes it easy for millennials to make digital payments without the need to carry cash or credit/debit cards. They can simply use their mobile phones to scan the QR code and complete the payment transaction. QRIS transactions are processed in real-time, meaning payments can be completed almost instantly. Many digital payment platforms that support QRIS offer promotions and discounts to users who make payments using their platform. This is especially attractive to millennials who are always looking for ways to save money.

In the modern era marked by technological advances, the use of smartphones has become an important part of everyday life. This technological advancement encourages people to continue to update the way they carry out their daily activities. Smartphones make various activities easier, including long-distance communication which now feels closer thanks to sophisticated technology. This sophistication is enjoyed by various groups regardless of age or profession. The digital payment system has experienced rapid development, providing significant convenience for its users. This technology plays a strategic role in encouraging the revitalization of MSMEs by offering fast, safe, and efficient transaction solutions. In the context of developing MSME digitalization, the digital payment system not only makes it easier for business actors to manage transactions but also increases consumer convenience in shopping. With proper implementation, digital payments support the operational efficiency of MSMEs, expand market access, and accelerate the adoption of the digital ecosystem. Based on research results, the use of digital payment systems has been proven to contribute positively to the transformation of MSMEs, helping them become more competitive and able to adapt amidst changes in the increasingly digital economic landscape. This emphasizes the importance of adopting digital payment technology as an integral part of the MSME revitalization strategy. This study aims to analyze the positive impact of the use of technology, especially in online marketing, digital payment systems on the revitalization of MSMEs.

With a case study focus on students of the Economics Study Program at Nurul Jadid University, this research seeks to examine how e-commerce platforms influence the purchasing habits of Generation Z. As digital natives, Generation Z is highly influenced by digital technology, including e-commerce platforms, which influence their consumption habits and purchasing choices. This research combines research data from secondary sources, such as literature, with qualitative methodologies study. This study's method of gathering data is a literature review. According to research findings, Gen-Z customer behavior is highly influenced by e-commerce platform features including user ratings, promotions, ease of access, and flexible payment options. The accessibility and attractiveness of platform promotions are key determinants of consumption behavior. These results have significant consequences for e-commerce players looking to improve marketing tactics and attract Gen-Z customers.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in encouraging economic equity in Indonesia by encouraging economic growth, encouraging innovation and creativity, and reducing unemployment. Among the various MSME sectors, the culinary business stands out because it is very promising due to the universal food needs. One of the culinary businesses, Roti Bakar Bahagia, located in Medang Lestari, Tangerang Regency, shows significant growth potential but faces challenges in optimizing digital marketing and payment systems. To overcome these challenges, community service activities are carried out to increase the digital presence and digital payment infrastructure of the business. The assistance provided includes designing and making logos, designing and recreating menu lists, creating Google Maps lists, and integrating digital payment systems through QRIS. These efforts proved to be very beneficial, equipping Roti Bakar Bahagia to increase its competitiveness and sustain growth in the dynamic culinary market.

Financial management is one of the key factors in determining the success of a company, especially for Micro, Small, and Medium Enterprises (MSMEs) in the digital era. This study aims to analyze the literature that discusses the influence of financial management practices on MSME performance, considering the role of digital technology in financial management. This study explores key aspects of financial management, such as financial planning, budget control, cash flow management, and investment, and how the application of technology can improve its efficiency and effectiveness. The results of the study show that the use of digital technology, such as cloud-based accounting applications and digital payment systems, can improve the accuracy and speed of financial management, which ultimately has a positive impact on MSME performance. This study provides important insights for MSME actors and policy makers in integrating digital technology to strengthen financial management and improve business competitiveness.  

Community service activities aim to increase understanding and knowledge about digital or non-cash payment systems. This service was carried out at the MSMEs of the "Bu Yani" Grocery Store located in Karanglo, Argomulyo, Sedayu District, Bantul Regency and the MSMEs of the "Bu Ratmi" Grocery Store located in Balong, Kaligintung, Temon District, Kulon Progo Regency. The stages used in service activities are 1. Observation, 2. Presentation, 3. Training and Mentoring, 4. Evaluation. The result of this service activity is that MSME actors already understand QRIS and its benefits as an effective means of payment transactions, and the two grocery store MSMEs already have a new payment instrument with non-cash payments.

Cakwe Cigombong, a micro business located on Jalan Cibogo, Kelapa Dua District, Tangerang Regency, Banten, faces challenges in improving its branding to attract a wider consumer base. An effective branding strategy is very important to support the growth and competitiveness of these MSMEs. This community service activity aims to design and implement branding improvements that are tailored to business needs and conditions. The interventions carried out include the creation and installation of promotional banners, the development of more attractive menu designs, and the integration of the QRIS digital payment system to facilitate transactions. The results show that these efforts increase the attractiveness of the product among consumers. By adopting this branding strategy, Cakwe Cigombong is in a better position to compete and grow in the local market.

This research aims to examine the impact of QRIS (Quick Response Code Indonesian Standard) on students' shopping habits in the digital era, focusing on students at STIA Lancang Kuning Dumai. This study uses a qualitative approach with in-depth interviews and focus group discussions (FGD) to explore students' experiences and perceptions regarding QRIS use in their shopping activities. The findings indicate that QRIS has provided students with convenience, efficiency, and security in digital transactions, although some students face barriers related to technological literacy and network issues. QRIS has influenced shopping habits by encouraging more online shopping. These findings contribute to understanding the role of digital payment systems in changing students’ consumption behavior.

This study was conducted to evaluate how the Gojek application contributes to the development of the digital economy, especially for Micro, Small and Medium Enterprises (MSMEs) in Tanjung Pinang City. Together with the rapid development of digital technology, Gojek has become a solution for MSMEs in expanding market share, increasing operational efficiency, and easy access to financial services. This research explores qualitative methods that take a case study approach to MSME players who utilize the Gojek application. The research shows that the Gojek application makes a significant contribution to the development of the digital economy of MSMEs in Tanjung Pinang by providing easy access to marketing, delivery of goods, and digital payments. In addition, MSME entrepreneurs in Tanjung Pinang benefit in gaining cost and time efficiency, while increasing revenue from their sales. However, there are still some obstacles that need to be overcome related to technological adjustments, infrastructure limitations, and costs that must be borne by MSME players.

The advancement of payment technology has shifted the role of cash to non-cash systems. Generation Z plays a significant role in the adoption of this technology. One of the innovations introduced by Bank Indonesia is the Quick Response Code Indonesian Standard (QRIS), launched on August 17, 2019, to support digital payments through server-based e-money applications, e-wallets, or mobile banking. This study aims to analyze the factors influencing QRIS usage behavior among Generation Z based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The study employs a quantitative method involving 275 respondents collected through an online questionnaire. Data are analyzed using SmartPLS. The results show that performance expectancy, facilitating conditions, and social influence have a positive influence on QRIS usage behavior. In contrast, effort expectancy does not have an influence. These findings are expected to support strategies for increasing QRIS adoption among Generation Z.

Technological advancements have had a significant impact on facilitating financial transactions, one of which is through the use of digital payment systems. ShopeePay, as one of the e-wallets that has rapidly grown in Indonesia, offers convenience in making cashless transactions. Although ShopeePay is becoming increasingly popular, several factors still influence the behavior of its use, particularly among Generation Z. This study aims to analyze the factors that affect ShopeePay usage behavior among Generation Z students at the Universitas Muhammadiyah Surakarta using the UTAUT model. The sampling method used is convenience sampling. This quantitative research uses primary data collected through an online questionnaire via a Google Form link. A total of 275 respondents are involved in the study. Data analysis is conducted using the Smart PLS application. The results of the study indicate that performance expectancy, social influence, and facilitating conditions have affect use behavior, while effort expectancy does not have use behavior. This study emphasizes the importance of performance, social, and infrastructure support aspects in enhancing the acceptance of ShopeePay as a digital payment technology.

This study aims to analyze the influence of financial literacy, digital payment, and interest in using e-commerce on the income of MSMEs in the trade sector in Surakarta City. Financial literacy reflects the ability of business owners to manage finances effectively, while digital payment and e-commerce play a crucial role in supporting transactions and digital marketing. Data were collected through questionnaires distributed to 115 respondents selected using purposive sampling. The results of multiple linear regression analysis indicate that financial literacy, digital payment, and interest in using e-commerce have a significant positive effect on MSME income. These findings highlight the importance of improving financial literacy and adopting digital technology as strategies to enhance MSME performance and income. 

The rapid development of technology has significantly influenced various economic sectors, including finance. Digitalization has introduced opportunities to create more efficient, transparent, and inclusive financial services. Within Islamic finance, technological advancements address challenges such as limited access to Sharia-compliant financial services and complexities in applying Sharia principles practically. One notable innovation is Sharia-based financial technology (fintech), which combines Islamic values with modern technology to provide accessible, ethical, and sustainable financial solutions. This study explores the potential and challenges of Sharia fintech in Indonesia, a country with the largest Muslim population globally. Sharia fintech, including crowdfunding, peer-to-peer lending, and halal digital payment platforms, promotes financial inclusion while adhering to Islamic principles. However, its growth faces regulatory hurdles, consumer protection issues, and a lack of public literacy about Sharia-compliant financial products. The research highlights the role of the government and regulatory bodies such as the Financial Services Authority (OJK) in providing a supportive framework, including legal certainty, technological infrastructure, and public education initiatives. The findings emphasize that effective regulations and strategic government support are critical to fostering Sharia fintech as a pillar of the Islamic economy. With strengthened collaboration between stakeholders, Sharia fintech can contribute significantly to financial inclusion and sustainable economic development in Indonesia.

The culinary industry in Indonesia is one of the fastest-growing sectors of the creative economy, contributing approximately 41% to the total GDP of the creative economy in 2020. However, product marketing challenges remain a significant obstacle for Micro, Small, and Medium Enterprises (MSMEs) in this sector. Issues such as limited marketing skills, intense competition, and restricted access to digital technology hinder MSMEs' competitiveness. Mie Ayam Pak Sorodi, as one of the MSMEs, faces challenges in digital marketing, including the absence of digital payment systems and social media platforms. This community service aims to assist the MSME in adopting digital transformation by creating social media profiles, adding business locations to Google Maps, and implementing QRIS payment systems. The methods include direct mentoring and technical training for business owners. The results indicate an improvement in market reach, customer engagement, and operational efficiency. This digital transformation is expected to enhance competitiveness and business sustainability in an increasingly competitive market (Ftindustri, n.d.).

The current digitalization era makes people adapt to technological developments, including in terms of payment transactions. Quick Response Code Indonesian Standard (QRIS) has emerged as a practical and simple digital payment solution, but for MSMEs, especially the elderly (4060 years) or the general public, there are still many challenges. This service aims to evaluate the effectiveness of training and community service in increasing the use and understanding of QRIS among elderly MSMEs and the general public in Sukadami Village, South Cikarang District. Through participatory training methods and quantitative approaches, this study measures the impact of the service program on digital literacy and the level of QRIS adoption.

The rapid development of financial technology (fintech) provides innovative solutions to improve efficiency and accessibility in the Islamic finance sector. Islamic finance, based on Islamic principles, faces challenges in financial inclusion, high operational costs, and limited access to financial institutions. This study aims to explore the application of fintech as a solution to these issues. The research method used is literature review and qualitative analysis of various fintech models based on sharia principles, such as peer-to-peer lending, crowdfunding, and digital payments. The results indicate that fintech has significant potential in enhancing operational efficiency and expanding accessibility to sharia-compliant financial services. By utilizing technologies such as mobile applications and blockchain, fintech can reduce transaction costs and offer solutions for underserved communities. However, challenges related to sharia compliance and clear regulations need to be addressed to ensure the successful implementation of fintech in this sector.

This study aims to analyze the service management strategies implemented by PT Gojek Indonesia to enhance customer satisfaction. Using a qualitative approach based on literature review, the research explores the relationship between service quality, service diversification, and technological innovation in shaping customer experiences. The findings reveal that service management strategies, such as quick booking features, real-time tracking, and digital payment solutions via GoPay, significantly influence customer satisfaction. Service variations like Go-Ride, Go-Car, and Go-Food enable Gojek to meet diverse customer needs, while a focus on reliability and security assurance fosters user loyalty. The study highlights the importance of continuous innovation and quality improvement to maintain Gojek's competitive position in the online transportation service market.

The Samsat Digital application is designed to improve efficiency and transparency in the management of motor vehicle taxes in South Sumatra. The main goal is to provide the best service to the public using information technology. The Samsat Digital application is an innovative solution that aims to make it easier for the public to access motor vehicle tax administration services. This application provides various features that allow users to make vehicle tax payments, check tax status, extend STNK, and search for information related to Samsat services online. Through mobile application-based technology, Samsat Digital seeks to reduce long queues at Samsat offices, increase time efficiency, and provide a more practical user experience. This system is equipped with secure authentication features, tax payment reminder notifications, and integration with various digital payment methods such as e-wallets, mobile banking, and credit cards.Keyword : Aplikasi Samsat Digital.

Raudhatul Athfal Nurul Hidayah is a kindergarten located in Rawa Panjang, Bojong Gede, Kabupaten Bogor, Jawa Barat. The use of technology in education is increasing, especially in terms of school administration such as tuition payments and new student registration. The online tuition payment and registration system is designed to facilitate the administration process for schools and parents of students. With this system, parents can make tuition payments and student registration online through an application or website, without having to come directly to the school. This study aims to develop and implement an efficient and user-friendly online tuition payment and registration system.The methods used include system design, collecting user needs data, and system testing. The results of the study show that this system can reduce the time and costs required in the payment and registration process, as well as increase data transparency and accuracy. This system also makes it easier for schools to manage financial data and student registration. Thus, the online tuition payment and registration system can be a practical solution in supporting the digitalization of school administration