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All Journal Economics and Business Journal Celebes Journal of Community Services Journal of Studies in Academic, Humanities, Research, and Innovation Jurnal Pengabdian Kepada Masyarakat International Journal of Education Management and Religion
Indah Lestari Anwar
Universitas Negeri Makassar
Religion Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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Pelatihan Self-Awareness Berbasis MBTI Dalam Membentuk Mahasiswa Yang Adaptif Menghadapi Dunia Kerja Josafat Gracia Ginting; Fitriani Rahim; Indah Lestari Anwar; Muhaidir Ikram; Ahmad Rais Habib
Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 2 (2026): Vol 2 no 2 July 2026
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/jpkm.v2i2.1639

Abstract

Perguruan tinggi memiliki tanggung jawab strategis dalam menyiapkan mahasiswa yang tidak hanya unggul secara akademik, tetapi juga memiliki kemampuan adaptasi, komunikasi, refleksi diri, dan kesiapan menghadapi dunia kerja. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan self-awareness mahasiswa melalui pelatihan multikompetensi berbasis MBTI (Myers-Briggs Type Indicator). Kegiatan dilaksanakan secara luring pada mahasiswa kelas I dan J semester 4 Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar dengan pendampingan 12 dosen sebagai fasilitator. Adapun mahasiswa yang mengikuti kegiatan ini sekitar 40 orang. Metode pelaksanaan menggunakan pendekatan pelatihan partisipatif yang terdiri atas penyampaian materi, pelaksanaan tes MBTI, diskusi interaktif, refleksi diri, dan evaluasi melalui observasi partisipasi, tanya jawab, serta umpan balik peserta. Hasil kegiatan menunjukkan bahwa mahasiswa mampu mengenali karakteristik kepribadian, kekuatan, kelemahan, gaya komunikasi, pola pengambilan keputusan, dan strategi pengembangan diri secara lebih terarah. Pelatihan ini juga membantu mahasiswa memahami pentingnya soft skills seperti komunikasi interpersonal, kerja sama tim, adaptasi, kepemimpinan, dan pengendalian diri sebagai bagian dari kesiapan memasuki dunia kerja. Dengan demikian, pelatihan self-awareness berbasis MBTI dapat menjadi sarana pengembangan diri mahasiswa dalam membentuk sumber daya manusia yang unggul, adaptif, dan kompetitif.
The Effect of Inflation, Interest Rates, and Exchange Rates on Stock Returns With The Composite Stock Price Index (IHSG) as an Intervening Variable in Indonesia 2016–2025 Anwar Ramli; Indah Lestari Anwar
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.440

Abstract

This study examines the effect of inflation, interest rates (BI7DRR), and exchange rates (USD/IDR) on stock returns of PT Telkom Indonesia (Persero) Tbk., with the Jakarta Composite Index (IHSG) as an intervening variable. Using a quantitative explanatory research design, monthly secondary data spanning January 2016 to December 2025 (120 observations) were analysed using Pearson correlation and two-stage path analysis (OLS regression). Results indicate that inflation and exchange rates significantly influence IHSG, while the BI Rate does not. However, neither macroeconomic variables nor IHSG significantly affect Telkom's stock returns either directly or indirectly. The model explains only 2.7% of the variation in stock returns, suggesting that company-specific and sectoral factors dominate return determination. These findings imply that IHSG does not serve as an effective mediating channel between macroeconomic conditions and individual stock returns for Telkom. Investors in the telecommunications sector should prioritise fundamental and sectoral analysis over macroeconomic indicators when making portfolio decisions
Does Dividend Stability Signal Firm Performance? Evidence from PT Telkom Indonesia (Persero) Tbk Indah Lestari Anwar; Anwar Ramli
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.442

Abstract

This study analyzes the dividend policy of PT Telkom Indonesia (Persero) Tbk (TLKM) during the 2020–2025 period using a quantitative descriptive approach and a longitudinal case study based on secondary data from audited financial reports. The variables analyzed include Dividend Per Share (DPS), Earnings Per Share (EPS), Dividend Payout Ratio (DPR), Dividend Yield, and Free Cash Flow (FCF), with trend analysis using the Compound Annual Growth Rate (CAGR). The results show that DPS grows 6.05% per year, higher than EPS of 1.87%, resulting in DPR increasing from 80.00% to 93.95% in 2024. Nevertheless, strong and stable operating cash flow ensures that dividends remain supported by FCF, so there is no indication of financial distress. However, the increasing FCF-to-dividend ratio indicates the company's increasingly limited reinvestment space. The decline in net profit of 20.48% in 2025 also increases the risk of dividend policy sustainability. Furthermore, the increase in dividend yield was more influenced by stock price declines than dividend growth. This finding suggests that SOE dividend stability reflects not only fundamental performance but also institutional pressure from the government as the controlling shareholder, supporting the relevance of Agency Theory and Catering Theory in explaining dividend policy of state-owned enterprises in emerging markets
Digital Empowerment Through Artificial Intelligence And Financial Literacy: Evidence From Women Owned MSMEs In Makassar, Indonesia Indah Lestari Anwar; Fakhirah Husain; Muhammad Fakhrul Anwar
International Journal of Education Management and Religion Vol. 3 No. 2 (2026): July 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i2.1679

Abstract

This study examines the role of artificial intelligence (AI) and digital financial literacy in sustaining women-owned micro, small, and medium enterprises (MSMEs) in Makassar City, Indonesia. Using a mixed-methods approach with an explanatory sequential design, this research combines qualitative exploration with quantitative testing through Structural Equation Modeling–Partial Least Squares (SEM-PLS) with a purposive sample of 150 respondents drawn from 3,060 women-owned MSMEs registered with the MSME Incubator in Makassar. The Digital Empowerment model proposed in this study refers to an integrated framework in which AI and digital financial literacy work complementarily to strengthen business decision-making, financial behavior, and fintech adoption among women-owned MSMEs. The results show that AI has a positive and significant direct effect on MSME sustainability, as does financial literacy. Financial behavior and financial technology were found to significantly mediate the relationship between financial literacy and MSME sustainability — confirming both indirect pathways. However, neither financial behavior nor financial technology significantly mediated the AI–sustainability relationship, indicating that AI's impact remains direct at this stage of adoption. These findings carry important practical implications: local governments and MSME incubators should develop integrated digital financial literacy training programs that incorporate AI-based decision-support tools. This study makes a novel theoretical contribution by proposing an operational Digital Empowerment model contextualized for women-owned MSMEs in Eastern Indonesia, filling a gap in the empirical literature on AI adoption and MSME sustainability in developing countries.
Financial Ratio Analysis As Instrument For Measuring Manufacturing Company Performance And Investment Decision Makaing On The Indonesia Stock Exchange (2019-2024) Fitriani Rahim; Indah Lestari Anwar
International Journal of Education Management and Religion Vol. 3 No. 2 (2026): July 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i2.1683

Abstract

This study aims to analyze the effectiveness of financial ratios as instruments for measuring company performance and investment decision making in the manufacturing sector listed on the Indonesia Stock Exchange (IDX) for the 2019–2024 period. The novelty of this study lies in integrating the Environmental, Social, and Governance (ESG) dimension within a financial ratio analysis framework in the post pandemic context of Indonesian manufacturing. The research method is a descriptive quantitative approach with longitudinal comparative analysis of 50 purposively selected manufacturing companies from 222 IDX listed issuers, representing sub sectors of basic industries, various industries, and consumer goods. The financial ratios analyzed include liquidity ratios (current ratio, quick ratio, cash ratio), solvency ratios (debt to equity ratio, interest coverage ratio), profitability ratios (return on assets, return on equity, net profit margin, gross profit margin), activity ratios (asset turnover, inventory turnover, receivable turnover), and market ratios (pric to earnings ratio, price to book value). The results show a significant positive correlation between profitability ratios and firm value (r = 0.731; p < 0.01), while excessively high liquidity ratios are negatively correlated with investment returns. Practically, these findings offer strategic guidance for financial managers in optimizing liquidity-profitability balance, and for investors in prioritizing profitability ratios (ROE and NPM) as primary determinants of firm value in fundamental analysis
Peningkatan Literasi Keuangan Mahasiswa melalui Pelatihan Pengelolaan Keangan Pribadi dalam Menukung Perilaku Finansial yang Bijak Ade Vidya Eryanti; Muh. Nur Fadel Hamzah; Fitriani Rahim; Indah Lestari Anwar
Celebes Journal of Community Services Vol. 5 No. 1 (2026): December - May
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/celeb.v5i1.3835

Abstract

Rendahnya tingkat literasi keuangan di kalangan mahasiswa menjadi permasalahan serius yang berdampak pada perilaku finansial tidak bijak, seperti pengeluaran konsumtif berlebihan, minimnya tabungan, dan ketidakmampuan merencanakan keuangan jangka panjang. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan kemampuan praktis mahasiswa dalam mengelola keuangan pribadi melalui serangkaian pelatihan terstruktur. Metode yang digunakan meliputi ceramah interaktif, studi kasus, simulasi anggaran pribadi, serta pendampingan langsung yang dilaksanakan selama satu hari pada bulan Mei 2026 di Universitas Negeri Makassar, dengan melibatkan 39 mahasiswa dari program studi manajemen. Materi pelatihan mencakup konsep dasar literasi keuangan, pengelolaan arus kas pribadi, strategi menabung, pengenalan instrumen investasi, serta perencanaan keuangan jangka pendek dan panjang. Hasil kegiatan menunjukkan peningkatan signifikan pada skor literasi keuangan peserta, dari rata-rata 52,3 pada pra-tes menjadi 78,6 pada pasca-tes (peningkatan sebesar 50,3%). Tingkat kepuasan peserta mencapai 91,7%, dan sebesar 87% peserta menyatakan komitmen untuk mengubah perilaku finansial mereka pasca pelatihan. Kegiatan ini menyimpulkan bahwa pelatihan berbasis praktik dan pendampingan intensif secara efektif mampu meningkatkan literasi keuangan mahasiswa serta mendorong terbentuknya perilaku finansial yang lebih bijak dan bertanggung jawab.
Fundamental Valuation Of HIMBARA Group Stocks Using PBV And PER Approaches Indah Lestari Anwar; Fitriani Rahim
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 3 No. 1 (2026): Vol 3 No 1 June 2026
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v3i1.1678

Abstract

This study aims to evaluate the fairness of the stock prices of the Association of State-Owned Banks (HIMBARA), consisting of Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Mandiri, Bank Tabungan Negara (BTN), and Bank Syariah Indonesia (BSI) during the 2021–2025 period. The study uses a descriptive quantitative approach utilizing secondary data in the form of audited annual financial reports and closing stock prices at the end of the year. The analysis was conducted using the Price to Book Value (PBV) and Price to Earnings Ratio (PER) as the main indicators in assessing stock valuation. The results show that BRI and Bank Mandiri are in the fair valuation category. BNI and BTN are classified as undervalued, while BTN also has the lowest PER. On the other hand, BSI exhibits a premium valuation, reflecting high market expectations for the growth of the Islamic banking industry. Hypothesis testing indicates that HIMBARA's stock tendency to be undervalued is only partially valid, while differences in valuation characteristics between BSI and conventional banks are consistently evident. These findings provide a reference for investors in developing investment strategies based on fundamental analysis in the Indonesian banking sector.
Co-Authors Ade Vidya Eryanti Ahmad Rais Habib Anwar Ramli Fakhirah Husain Fitriani Rahim Josafat Gracia Ginting Muh. Nur Fadel Hamzah Muhaidir Ikram Muhammad Fakhrul Anwar