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The The Effect of Financial Literacy and Financial Technology Payment on Financial Management of Students Using Paylater
Corresponding Author(s) : Teti Anggita Safitri
Proceedings Universitas Muhammadiyah Yogyakarta Undergraduate Conference,
Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit
Abstract
Introduction: An economic business entity with a balance of trade-offs between maximizing profit (Juhari et al., 2022). The ability to adapt the need of uncomfortable changes and uncertain condition (Diharto, 2018). The more advanced technology and competition, the better it is to search for need (Hidayat et al., 2023). The development of increasingly advanced technology, in the form of the internet, makes it possible for information to be accessed from various places (Anita et al., (2019).Improving the quality of human resources regarding the renewal of effective and efficient administrative governance through non-formal education (Aji et al., 2022). Communication has an important role in creating or realizing the duality of structuration (Rasyid, 2022). Utilize information technology and communication to support effectiveness and administrative efficiency ( Aji et al., 2022). Students often experience financial problems, one of which is caused by consumptive behavior. Extends to a broader transdisciplinary interest (Boro, 2023). Most of the students make online transactions or online loans through fintech payments (Paylater), and they think that using Paylater can help solve their financial problems and needs. Crashes and high expectations in certain conditions will result in a financial crisis (Sumar’in et al., 2020). Given this, financial management requires an understanding of and knowledge of financial literacy and fintech payments (PayLater). The problem faced is not bookkeeping money ( Diyah et al., 2020). Understand and have limited access to obtain capital assistancefrom financial institutions (Hafni et al., 2020). Purpose: This study aims to determine whether there is an effect of financial literacy and fintech payments (PayLater) on student financial management. Methodology/Approach: This research is a type of quantitative research with an associative strategy. As the largest Muslim country in the world, Indonesia is a home to many Islamic organizations whose activities are as diverse as their religious orientation (Samsudin, 2022).The sample used is active students at Aisyiyah Yogyakarta University who use one of the paylater types (Shopee Paylater, GoPayLater, Kredivo, Akulaku, and Traveloka Later). The data collection method in this study used primary data collected by distributing questionnaires online to all students at Aisyiyah University, Yogyakarta. Findings: The results obtained after data analysis are that partially financial literacy (X1) has a significant effect on the financial management of students using paylater (Y), while financial technology payments (X2) have no effect on the financial management of students using paylater (Y). Simultaneously, financial literacy (X1) and financial technology payments (X2) affect the financial management of pay-later-using students at 'Aisyiyah University, Yogyakarta. Originality/ Value/ Implication: The results of this study can be concluded as follows: 1) There is a significant simultaneous effect on financial literacy (X1) and financial technology payments (X2) on the financial management of students who use paylater. 2) There is a significant partial effect of financial literacy (X1) on the financial management of students who use paylater. and 3) There is no effect of financial technology payments (X2) on the financial management of students using paylater.
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- Aji, J. S. (2022). Optimalisasi Peran Dan Fungsi Bumdes Astaguna Dalam Pengembangan Ekonomi Masyarakat Desa Trihanggo. JAPI (Jurnal Akses Pengabdian Indonesia) 7: 155–62.
- Aji, J. S. (2022). Optimization Of Work Programs and Activities of A’Isyiyah Branch Leaders of Trihanggo Village in Strengthening Women’ S Empowerment. Webinar Abdimas 5 - 2022: Kreatif Di Era Disruptif: 131.
- Al Idrus, S. M. (2021). Analisis Perbandingan Kinerja Bank Umum Konvensional Dan Bank Umum Syariah. Jurnal Manajerial 20(2): 299–310.
- Sumar’in. et al. (2020). The Speculative Bubble in Indonesian Islamic Capital Market. International Journal of Advanced Science and Technology 29(12): 1754–66.
- Anita, D. C. (2019). Peningkatan Daya Saing Briket Arang Batok Kelapa Melalui Pendampingan Manajemen Produksi, Pemasaran Dan Keuangan Pada Usaha Briqco Dan D’briquettes di Kabupaten Bantul. Jurnal Pengabdian Kepada Masyarakat 24(4):848.
- B. Juhari Sasmito Aji, D. R. (2022). The Dynamics of Governance of Village-Owned Enterprise (Bumdes) Amarta in Strengthening the Economy of the Pandowoharjo Village Community During the Covid-19 Pandemic. Proceedings Of the International Conference On Sustainable Innovation On Humanities, Education, and Social Sciences (ICOSI-HESS 2022). Atlantis Press. http://dx.doi.org/10.2991/978-2-494069-65- 7_47.
- Boro, E. E. (2023). Boro, Ezekiel Et Al. 2023. The Role and Impact of Faith-Based Organisations In The Management Of And Response To Covid-19 In Low-Resource Settings. Religion And Development 1(1): 132–45.
- Brigitta Azalea Pulo Tukan, W. W. (2020). Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Pendapatan Terhadap Perilaku Keuangan Dosen. Konferensi Riset Nasional Ekonomi, Manajemen dan Akuntansi.
- Diharto, A. K. (2018). The Role of Women Empowerment and Organizational Agility Toward the Resilience of Disaster-Affected Batik Small Medium Enterprises: An Effort to Overcome Technology Disruptive. International Journal of Mechanical Engineering and Technology 9(4): 136-44.
- Diyah Candra Anita, R. W. (2020). Upgrading Charcoal Briquettes of Coconut Shell for Export. Jurnal Pemberdayaan Masyarakat Madani. Jurnal Pemberdayaan Masyarakat Madani 4(1): 323–334.
- Fatma, S. T. (2021). Factors Affecting Financial Performance. prosiding.umy.ac.id (October 2021).
- Fitri, W. F. (2022). Pengaruh Kinerja Keuangan Terhadap Harga Saham Pada Perusahaan Sub Sektor Kesehatan Yang Terdaftar. Journal Competency of Business 6(1): 55–65. https://jurnal.ucy.ac.id/index.php/jcob/article/vie w/1295.
- Hafni, D. A. (2020). Aksesibilitas Permodalan Perbankan Bagi Wirausahawan Difabel Di D.I Yogyakarta Untuk Mewujudkan Ekonomi Inklusi. Kompartemen: Jurnal Ilmiah Akuntansi 17(2): 130–41.
- Hasibuan, O. R. (2019). Kampung Hijau Produktif Sebagai Penerapan Corporate Social Responsibility. Jurnal Manajemen Teori Dan Terapan. Journal Of Theory And Applied Management 12(2): 98.
- Hendrato Setiabudi Nugroho, D. C. (2019). Peningkatan Kapasitas Produksi: Pembuatan Belt Conveyor Dan Oven Permanen Pada Upgrading Briket Arang Batok Kelapa. Jurnal Abdimas Unmer Malang 4: 37–40.
- Hidayat, A. e. (2023). Assessment: Problem And Solution At The Joho Village Convection Center, Sleman, Special Region Of Yogyakarta. Asian Journal Of Community Services (AJCS) 2(3): 287–300.
- Hs, S. E. (2022). Mengenal Lebih Dekat Ekonomi Syariah. From Penerbit Eureka: Hs, Supyati Et Al. 2022. Mengenal Lebih Dekat Ekonomi Syariah. Penerbit Eureka.https://repository.penerbiteureka.com/media/pub lications/408623-mengenal-lebih-dekat- ekonomi-syariah-fb212096.pdf.
- Laily, N. (2013). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Journal of Accounting and Business Education.
- Mufdlilah, V. F. (2023). The Perception Of Breastfeeding Mothers Toward The Comfortable Aspects Of Ergonomic Chair. Proceedings Of The 3RD Borobudur International Symposium On Humanities And Science 2021 (Bis-Hss 2021):732–36.
- Muhlis, M. A. (2022). Pengaruh Inflasi Dan Nilai Tukar Terhadap Indeks Harga Saham. Journal Competency Of Business 6(01): 66–76.
- Nugroho, H. S. (2020). Portofolio Optimal Saham Menggunakan Model Indeks Tunggal Studi Empirik Pada Saham-Saham Jakarta Islamic Index (JII) Periode 2014-2018. Jurnal Riset Akuntansi Dan Manajemen 9(1): 44–51.
- Nur Laili, I. A. (2023). Pengaruh Biaya Produksi Dan Promosi Terhadap Laba Bersih. Journal Competency Of Business 6(02): 54–66.
- Pahlevi1, R. W. (2022). A Systematics Literature Review Of SMES Entrepreneurial Orientation: Bibliometric Analysis. Management Analysis Journal 1(2): 120–28.
- Rahmawati, F. (2022). Penerapan Fungsi Manajemen Dalam Pengelolaan Lembaga Amil Zakat Infaq Dan Shodaqoh Muhammadiyah Grobogan. Jurnal Ilmiah 1(2): 199–205.
- Rahmawati, F. M. (2020). Pelatihan Kewirausahaan Di Lingkungan Ranting ’Aisyiyah Tinalan Kotagede. Proceeding Of The Urecol: 218–20.
- Rasyid, E. F. (2022). Communication Structuring In Aisyiyah’s Empowerment Activities In IsolatedTribal Communities. Komunikator 14(2): 182–90.
- Retnaningdiah, D. (2017). Kompetisi Inti Sebagai Faktor Yang Mempengaruhi Kualitas Jiwa Kewirausahaan Pekerja Informal Perempuan Dalam Perolehan Nilai Tambah Usaha. Journal Competency of Business 1(1): 56–72.
- Retnaningdiah, D. a. (2023). Production and Institutional Contribution to the Competitiveness of MSMEs: The Mediation Role of MSME Performance Based on Green Economy. ICBT 2022: Digitalisation: Opportunities and Challenges for Business pp 278–288.
- Retnaningdiah, D. E. (2023). A Literature Review: Future Prophetic Leadership. Management Analysis Journal Vol.12(1): 42–50.
- Retnaningdiah, D. R. (2020). Perception Of Craftswomen Toward Stagen-Based Innovation Products. 436: 407–12. 436: 407–12.
- Retnaningdiah, D. S. (2020). Incorporating Intellectual Property Rights and E-Commerce: Supply Chain Strategy To Strengthen The Competitiveness Of SMEs. International Journal of Supply Chain Management 9(1): 649–55.
- Rohmah, F. N. (2022). Berdayakan Masyarakat Cegah Stunting Dengan Mengolah Bahan Pangan Potensi Lokal. Masyarakat Berdaya Dan Inovasi 3(2):114–17. Fromhttps://mayadani.org/index.php/mayadani/article/view/97
- Sadalia, D. N. (2013). Analisis Personal Financial Literacy dan Financial Behavior Mahasiswa Strata Fakultas Ekonomi Universitas Sumatera Utara. GARUDA: Garda Rujukan Digital
- Safitri, T. A. (2013). Asimetri Informasi Dan Underpricing. Jurnal Dinamika Manajemen 4(1): 1–9. https://journal.unnes.ac.id/nju/index.php/jdm/art icle/view/2419/2472.
- Safitri, T. A. (2018). Analisis Rasio Profitabilitas Pada PT. Siloam Hospitals International, Tbk. Jurnal Manajemen Dan Bisnis Media Ekonomi XVIII (2): 71–81.
- Safitri, T. A. (2018). Pengelolaan Alokasi Dana Desa Dalam Mewujudkan Good Governance. Jurnal Litbang Sukowati: Media Penelitian Dan Pengembangan 2(1): 89–105.
- Safitri, T. A. (2020). Analisis Anggaran Belanja Makanan. Benefit Jurnal Manajemen Dan Bisnis 5(1): 50– 58.
- Safitri, T. A. (2020). The Development of Fintech in Indonesia. Economics and Social Sciences.
- Safitri, T. A. (2021). Kontribusi Fintech Payment Terhadap Perilaku Manajemen Keuangan di Masa Pandemi Covid-19. Jurnal Manajemen Dayasaing
- Safitri, T. A. (2021). Pelatihan Pembuatan Kreasi Masker Bagi Anak Panti Asuhan Putri Aisyiyah Yogyakarta. Jurnal Ilmiah Pangabdhi 7(2).
- Safitri, T. A. (2023). Analisis SWOT Panti Asuhan Aisyiyah Putri Yogyakarta. Community Developmet Journal Universitas Pahlawan Tuanku Tambusai 4(2): 1590–95.
- Safitri, T. A. (2023). Pelatihan Kewirausahaan Dan Marketing Online di Panti Asuhan Aisyiyah. Community Development Journal 4(2): 1536–40.
- Safitri, T. A. (2023). Pengaruh Manfaat Dan Kemudahan Terhadap Kepuasan Nasabah Mobile Banking Di Bank Bri Syariah. Jurnal Lentera Bisnis 12(1): 112.
- Samsudin, A. A. (2022). Community-Based Health Coverage at The Crossroad: The Muhammadiyah Health Fund in Indonesia. Indonesian Journal of Islam and Muslim Societies 12(1): 111–38.
- Samsudin, A. N. (2020). Authentic Leadership, Work Engagement and Performance: Looking Into A Healthcare Faith-Based Organization. Advance In Economics, Business and Management Research 160(ICBMR): 276–83.
- Saputri, K. D. (2022). Perbedaan Kinerja Keuangan Sebelum Dan Sesudah Akuisisi Pada Perusahaan Pengakuisisi. Jurnal Cross Border 5(2) 5(2):1393–1405.
- Sari, D. R. (2022). Pengaruh Kinerja Keuangan Terhadap Pertumbuhan Laba Pada Perusahaan Jasa Transportasi Yang Terdaftar Di Bei. Journal Competency of Business 5(02): 1–13.
- Sugiyo, D. E. (2022). You Do Not See an Interesting Ads, You See a Cowboy Killers’: A Comprehensive Public Health Communication Approach on Smoke-Free Policy Enforcement. Journal Of Community Engagement in Health 5(1): 1–7.
- Suyatno. (2019). The Element of Systems in The Organisation Of Local Food Development Program In Indonesia: Case Study In Trenggalek, East Java. International Journal of Economic Behavior and Organization 7(2): 33.
- Suyatno. (2022). Kelembagaan Dan Potensi Lokal Dalam Mendukung UMKM di Daerah Istimewa Yogyakarta. Nusantara Hasana Journal 1(11): 22–32. ttp://nusantarahasanajournal.com/index.php/n hj/article/view/279.
- Suyatno, S. (2022). Research And Development in Indonesia Strategy for Developing Organisational Culture In The Public Organisation Of Research And Development In Indonesia. Advances In Social Sciences Research Journal – 9(August).
- Syagata, A. S. (2023). Syagata, Anindhita Syahbi, Fayakun Nur Rohmah, And Esitra Herfanda. 2023. Pendampingan Ibu Hamil Di Lokus Stunting Wilayah Yogyakarta the Pregnant Women Encouragement At The Stunting Locus Of Yogyakarta. Jurnal Abdimas Madani 5(1): 1–6.
- Wulandari, R. D. (2021). Strategi Membangun Branding Usaha Ekspor Briket Arang Tempurung Kelapa Pada Ukm ‘Briqco. Prosiding Seminar Nasional Program Pengabdian Masyarakat: 98–104.
- Wulandari, R. E. (2019). Upaya Peningkatan Produktivitas Usaha Briket Arang Batok Kelapa Pada Ukm Briqco Di Kabupaten Bantul, DIY. Prosiding Seminar Nasional Mewujudkan Masyarakat Madani Dan Lestari Seri 9 ‘Mukiman Cerdas Dan Tanggap Bencana ’ Yogyakarta , 24 Oktober 2019 : 104–12.
- Yuniarti, N. A. (2022). The Effect of Financial Inclussion And Social Influence On Community Interest In Using Financial Technology. From Ghttps://prosiding.umy.ac.id/grace/index.php/pg race/article/download/394/36
References
Aji, J. S. (2022). Optimalisasi Peran Dan Fungsi Bumdes Astaguna Dalam Pengembangan Ekonomi Masyarakat Desa Trihanggo. JAPI (Jurnal Akses Pengabdian Indonesia) 7: 155–62.
Aji, J. S. (2022). Optimization Of Work Programs and Activities of A’Isyiyah Branch Leaders of Trihanggo Village in Strengthening Women’ S Empowerment. Webinar Abdimas 5 - 2022: Kreatif Di Era Disruptif: 131.
Al Idrus, S. M. (2021). Analisis Perbandingan Kinerja Bank Umum Konvensional Dan Bank Umum Syariah. Jurnal Manajerial 20(2): 299–310.
Sumar’in. et al. (2020). The Speculative Bubble in Indonesian Islamic Capital Market. International Journal of Advanced Science and Technology 29(12): 1754–66.
Anita, D. C. (2019). Peningkatan Daya Saing Briket Arang Batok Kelapa Melalui Pendampingan Manajemen Produksi, Pemasaran Dan Keuangan Pada Usaha Briqco Dan D’briquettes di Kabupaten Bantul. Jurnal Pengabdian Kepada Masyarakat 24(4):848.
B. Juhari Sasmito Aji, D. R. (2022). The Dynamics of Governance of Village-Owned Enterprise (Bumdes) Amarta in Strengthening the Economy of the Pandowoharjo Village Community During the Covid-19 Pandemic. Proceedings Of the International Conference On Sustainable Innovation On Humanities, Education, and Social Sciences (ICOSI-HESS 2022). Atlantis Press. http://dx.doi.org/10.2991/978-2-494069-65- 7_47.
Boro, E. E. (2023). Boro, Ezekiel Et Al. 2023. The Role and Impact of Faith-Based Organisations In The Management Of And Response To Covid-19 In Low-Resource Settings. Religion And Development 1(1): 132–45.
Brigitta Azalea Pulo Tukan, W. W. (2020). Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Pendapatan Terhadap Perilaku Keuangan Dosen. Konferensi Riset Nasional Ekonomi, Manajemen dan Akuntansi.
Diharto, A. K. (2018). The Role of Women Empowerment and Organizational Agility Toward the Resilience of Disaster-Affected Batik Small Medium Enterprises: An Effort to Overcome Technology Disruptive. International Journal of Mechanical Engineering and Technology 9(4): 136-44.
Diyah Candra Anita, R. W. (2020). Upgrading Charcoal Briquettes of Coconut Shell for Export. Jurnal Pemberdayaan Masyarakat Madani. Jurnal Pemberdayaan Masyarakat Madani 4(1): 323–334.
Fatma, S. T. (2021). Factors Affecting Financial Performance. prosiding.umy.ac.id (October 2021).
Fitri, W. F. (2022). Pengaruh Kinerja Keuangan Terhadap Harga Saham Pada Perusahaan Sub Sektor Kesehatan Yang Terdaftar. Journal Competency of Business 6(1): 55–65. https://jurnal.ucy.ac.id/index.php/jcob/article/vie w/1295.
Hafni, D. A. (2020). Aksesibilitas Permodalan Perbankan Bagi Wirausahawan Difabel Di D.I Yogyakarta Untuk Mewujudkan Ekonomi Inklusi. Kompartemen: Jurnal Ilmiah Akuntansi 17(2): 130–41.
Hasibuan, O. R. (2019). Kampung Hijau Produktif Sebagai Penerapan Corporate Social Responsibility. Jurnal Manajemen Teori Dan Terapan. Journal Of Theory And Applied Management 12(2): 98.
Hendrato Setiabudi Nugroho, D. C. (2019). Peningkatan Kapasitas Produksi: Pembuatan Belt Conveyor Dan Oven Permanen Pada Upgrading Briket Arang Batok Kelapa. Jurnal Abdimas Unmer Malang 4: 37–40.
Hidayat, A. e. (2023). Assessment: Problem And Solution At The Joho Village Convection Center, Sleman, Special Region Of Yogyakarta. Asian Journal Of Community Services (AJCS) 2(3): 287–300.
Hs, S. E. (2022). Mengenal Lebih Dekat Ekonomi Syariah. From Penerbit Eureka: Hs, Supyati Et Al. 2022. Mengenal Lebih Dekat Ekonomi Syariah. Penerbit Eureka.https://repository.penerbiteureka.com/media/pub lications/408623-mengenal-lebih-dekat- ekonomi-syariah-fb212096.pdf.
Laily, N. (2013). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Journal of Accounting and Business Education.
Mufdlilah, V. F. (2023). The Perception Of Breastfeeding Mothers Toward The Comfortable Aspects Of Ergonomic Chair. Proceedings Of The 3RD Borobudur International Symposium On Humanities And Science 2021 (Bis-Hss 2021):732–36.
Muhlis, M. A. (2022). Pengaruh Inflasi Dan Nilai Tukar Terhadap Indeks Harga Saham. Journal Competency Of Business 6(01): 66–76.
Nugroho, H. S. (2020). Portofolio Optimal Saham Menggunakan Model Indeks Tunggal Studi Empirik Pada Saham-Saham Jakarta Islamic Index (JII) Periode 2014-2018. Jurnal Riset Akuntansi Dan Manajemen 9(1): 44–51.
Nur Laili, I. A. (2023). Pengaruh Biaya Produksi Dan Promosi Terhadap Laba Bersih. Journal Competency Of Business 6(02): 54–66.
Pahlevi1, R. W. (2022). A Systematics Literature Review Of SMES Entrepreneurial Orientation: Bibliometric Analysis. Management Analysis Journal 1(2): 120–28.
Rahmawati, F. (2022). Penerapan Fungsi Manajemen Dalam Pengelolaan Lembaga Amil Zakat Infaq Dan Shodaqoh Muhammadiyah Grobogan. Jurnal Ilmiah 1(2): 199–205.
Rahmawati, F. M. (2020). Pelatihan Kewirausahaan Di Lingkungan Ranting ’Aisyiyah Tinalan Kotagede. Proceeding Of The Urecol: 218–20.
Rasyid, E. F. (2022). Communication Structuring In Aisyiyah’s Empowerment Activities In IsolatedTribal Communities. Komunikator 14(2): 182–90.
Retnaningdiah, D. (2017). Kompetisi Inti Sebagai Faktor Yang Mempengaruhi Kualitas Jiwa Kewirausahaan Pekerja Informal Perempuan Dalam Perolehan Nilai Tambah Usaha. Journal Competency of Business 1(1): 56–72.
Retnaningdiah, D. a. (2023). Production and Institutional Contribution to the Competitiveness of MSMEs: The Mediation Role of MSME Performance Based on Green Economy. ICBT 2022: Digitalisation: Opportunities and Challenges for Business pp 278–288.
Retnaningdiah, D. E. (2023). A Literature Review: Future Prophetic Leadership. Management Analysis Journal Vol.12(1): 42–50.
Retnaningdiah, D. R. (2020). Perception Of Craftswomen Toward Stagen-Based Innovation Products. 436: 407–12. 436: 407–12.
Retnaningdiah, D. S. (2020). Incorporating Intellectual Property Rights and E-Commerce: Supply Chain Strategy To Strengthen The Competitiveness Of SMEs. International Journal of Supply Chain Management 9(1): 649–55.
Rohmah, F. N. (2022). Berdayakan Masyarakat Cegah Stunting Dengan Mengolah Bahan Pangan Potensi Lokal. Masyarakat Berdaya Dan Inovasi 3(2):114–17. Fromhttps://mayadani.org/index.php/mayadani/article/view/97
Sadalia, D. N. (2013). Analisis Personal Financial Literacy dan Financial Behavior Mahasiswa Strata Fakultas Ekonomi Universitas Sumatera Utara. GARUDA: Garda Rujukan Digital
Safitri, T. A. (2013). Asimetri Informasi Dan Underpricing. Jurnal Dinamika Manajemen 4(1): 1–9. https://journal.unnes.ac.id/nju/index.php/jdm/art icle/view/2419/2472.
Safitri, T. A. (2018). Analisis Rasio Profitabilitas Pada PT. Siloam Hospitals International, Tbk. Jurnal Manajemen Dan Bisnis Media Ekonomi XVIII (2): 71–81.
Safitri, T. A. (2018). Pengelolaan Alokasi Dana Desa Dalam Mewujudkan Good Governance. Jurnal Litbang Sukowati: Media Penelitian Dan Pengembangan 2(1): 89–105.
Safitri, T. A. (2020). Analisis Anggaran Belanja Makanan. Benefit Jurnal Manajemen Dan Bisnis 5(1): 50– 58.
Safitri, T. A. (2020). The Development of Fintech in Indonesia. Economics and Social Sciences.
Safitri, T. A. (2021). Kontribusi Fintech Payment Terhadap Perilaku Manajemen Keuangan di Masa Pandemi Covid-19. Jurnal Manajemen Dayasaing
Safitri, T. A. (2021). Pelatihan Pembuatan Kreasi Masker Bagi Anak Panti Asuhan Putri Aisyiyah Yogyakarta. Jurnal Ilmiah Pangabdhi 7(2).
Safitri, T. A. (2023). Analisis SWOT Panti Asuhan Aisyiyah Putri Yogyakarta. Community Developmet Journal Universitas Pahlawan Tuanku Tambusai 4(2): 1590–95.
Safitri, T. A. (2023). Pelatihan Kewirausahaan Dan Marketing Online di Panti Asuhan Aisyiyah. Community Development Journal 4(2): 1536–40.
Safitri, T. A. (2023). Pengaruh Manfaat Dan Kemudahan Terhadap Kepuasan Nasabah Mobile Banking Di Bank Bri Syariah. Jurnal Lentera Bisnis 12(1): 112.
Samsudin, A. A. (2022). Community-Based Health Coverage at The Crossroad: The Muhammadiyah Health Fund in Indonesia. Indonesian Journal of Islam and Muslim Societies 12(1): 111–38.
Samsudin, A. N. (2020). Authentic Leadership, Work Engagement and Performance: Looking Into A Healthcare Faith-Based Organization. Advance In Economics, Business and Management Research 160(ICBMR): 276–83.
Saputri, K. D. (2022). Perbedaan Kinerja Keuangan Sebelum Dan Sesudah Akuisisi Pada Perusahaan Pengakuisisi. Jurnal Cross Border 5(2) 5(2):1393–1405.
Sari, D. R. (2022). Pengaruh Kinerja Keuangan Terhadap Pertumbuhan Laba Pada Perusahaan Jasa Transportasi Yang Terdaftar Di Bei. Journal Competency of Business 5(02): 1–13.
Sugiyo, D. E. (2022). You Do Not See an Interesting Ads, You See a Cowboy Killers’: A Comprehensive Public Health Communication Approach on Smoke-Free Policy Enforcement. Journal Of Community Engagement in Health 5(1): 1–7.
Suyatno. (2019). The Element of Systems in The Organisation Of Local Food Development Program In Indonesia: Case Study In Trenggalek, East Java. International Journal of Economic Behavior and Organization 7(2): 33.
Suyatno. (2022). Kelembagaan Dan Potensi Lokal Dalam Mendukung UMKM di Daerah Istimewa Yogyakarta. Nusantara Hasana Journal 1(11): 22–32. ttp://nusantarahasanajournal.com/index.php/n hj/article/view/279.
Suyatno, S. (2022). Research And Development in Indonesia Strategy for Developing Organisational Culture In The Public Organisation Of Research And Development In Indonesia. Advances In Social Sciences Research Journal – 9(August).
Syagata, A. S. (2023). Syagata, Anindhita Syahbi, Fayakun Nur Rohmah, And Esitra Herfanda. 2023. Pendampingan Ibu Hamil Di Lokus Stunting Wilayah Yogyakarta the Pregnant Women Encouragement At The Stunting Locus Of Yogyakarta. Jurnal Abdimas Madani 5(1): 1–6.
Wulandari, R. D. (2021). Strategi Membangun Branding Usaha Ekspor Briket Arang Tempurung Kelapa Pada Ukm ‘Briqco. Prosiding Seminar Nasional Program Pengabdian Masyarakat: 98–104.
Wulandari, R. E. (2019). Upaya Peningkatan Produktivitas Usaha Briket Arang Batok Kelapa Pada Ukm Briqco Di Kabupaten Bantul, DIY. Prosiding Seminar Nasional Mewujudkan Masyarakat Madani Dan Lestari Seri 9 ‘Mukiman Cerdas Dan Tanggap Bencana ’ Yogyakarta , 24 Oktober 2019 : 104–12.
Yuniarti, N. A. (2022). The Effect of Financial Inclussion And Social Influence On Community Interest In Using Financial Technology. From Ghttps://prosiding.umy.ac.id/grace/index.php/pg race/article/download/394/36