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All Journal Communautaire: Journal of Community Service Journal of Educational Management Research CEMARA: Jurnal Pengabdian Masyarakat Multidisiplin
Raymond Piring
Universitas Baliem Papua
Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Empowering the Digital Generation: Enhancing Financial Literacy and Saving Behavior among Youth Cliford Racelino Ratulangi; Lazarus Suyatno Vianney; Raymond Piring; Gabriela Karen Tuuk; Eridawaty Siagian; Mison Towolom; Tiara Tiara
Communautaire: Journal of Community Service Vol. 5 No. 1 (2026)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/communautaire.v5i1.2099

Abstract

This community service program aimed to improve students' digital financial literacy and strengthen saving behavior in the digital era by enhancing their understanding of financial planning, responsible financial management, and the safe use of digital financial services. The program employed a participatory educational approach through counseling sessions, interactive discussions, simulations, and hands-on practice using simple financial applications. The educational materials covered saving concepts, budgeting strategies, digital financial literacy, cybersecurity awareness, and responsible financial decision-making. Program evaluation was conducted using pre- and post-test methods, combined with direct observation, to measure changes in students' knowledge and behavior. The results indicated significant improvements in students' understanding of financial management, awareness of digital transaction security, and ability to utilize simple financial applications responsibly. In addition, students demonstrated stronger motivation to develop saving habits and manage their finances more independently. These findings imply that community-based digital financial literacy education plays an important role in preparing young people to face economic challenges wisely and responsibly in the rapidly evolving digital era.
Edukasi Literasi Keuangan Digital sebagai Upaya Pembentukan Perilaku Menabung pada Siswa SMK YSO Ninabua Wamena Jayawijaya Lazarus Vianney; Mikaus Gombo; Cliford R. Ratulangi; Raymond Piring; Debi D. Yoweni; Matilda S. Desta
CEMARA: Jurnal Pengabdian Masyarakat Multidisiplin Vol 4 No 1 (2026): CEMARA: Jurnal Pengabdian Masyarakat Multidisiplin
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Islam Indragiri (UNISI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61672/cemara.v4i1.3516

Abstract

Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan untuk meningkatkan literasi keuangan digital dan membentuk perilaku menabung pada siswa SMKS YSO Ninabua di Wamena. Rendahnya tingkat literasi keuangan pelajar, khususnya di wilayah Papua Pegunungan, serta meningkatnya penggunaan layanan keuangan digital tanpa pemahaman yang memadai menjadi latar belakang utama pelaksanaan program ini. Siswa SMK sebagai calon tenaga kerja muda perlu dibekali kemampuan pengelolaan keuangan yang rasional, terencana, dan adaptif terhadap perkembangan teknologi finansial. Metode pelaksanaan menggunakan pendekatan partisipatif edukatif melalui tahap persiapan, penyampaian materi interaktif, diskusi, serta simulasi praktik. Materi mencakup konsep dasar literasi keuangan, perbedaan kebutuhan dan keinginan, penyusunan anggaran uang saku, perencanaan menabung, penggunaan aplikasi pencatatan keuangan digital, serta pengenalan investasi dasar seperti tabungan berjangka dan emas. Kegiatan dilaksanakan secara tatap muka dengan melibatkan peserta secara aktif dalam studi kasus dan latihan penyusunan anggaran pribadi. Hasil kegiatan menunjukkan peningkatan pemahaman siswa mengenai pentingnya pencatatan keuangan, pengendalian pengeluaran, serta perencanaan keuangan jangka pendek dan menengah. Peserta mulai mampu menyusun anggaran sederhana, menetapkan tujuan menabung, dan memanfaatkan aplikasi digital secara lebih bijak. Selain itu, antusiasme siswa dalam diskusi menunjukkan tumbuhnya kesadaran finansial dan minat terhadap perencanaan keuangan jangka panjang. Secara keseluruhan, program ini berkontribusi dalam membentuk karakter finansial siswa yang lebih mandiri, disiplin, dan siap menghadapi tantangan ekonomi di era digital.
Determinants and Challenges of SAK EMKM Implementation in MSME Financial Reporting: A Systematic Literature Review Lazarus Suyatno Vianney; Debi Dince Yoweni; Cliford Racelino Ratulang; Matilda Serfi Desta; Raymond Piring
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.2910

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting economic development; however, the effectiveness of their financial governance remains a major concern, particularly regarding the implementation of the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM). This study aims to examine the implementation of SAK EMKM among MSMEs, identify the main challenges affecting its adoption, and formulate strategies to strengthen financial reporting practices. This study employed a Systematic Literature Review (SLR) approach by analyzing relevant scientific articles related to SAK EMKM implementation and the factors influencing its adoption. The findings reveal that although MSMEs have increasingly recognized the importance of financial record-keeping, the implementation of SAK EMKM remains limited because many businesses still rely on simple bookkeeping practices. The main challenges include inadequate accounting literacy, limited human resource competence, insufficient training and mentoring, low utilization of information technology, and weak institutional support. This study implies that improving SAK EMKM implementation requires integrated strategies involving accounting education, continuous assistance, digital financial management adoption, and stronger collaboration among stakeholders to enhance the quality of MSME financial reporting and business sustainability.
Driving Customer Loyalty through the Service Marketing Mix (7P): The Mediating Role of Customer Satisfaction Raymond Piring; Cliford Racelino Ratulangi; Lazarus Vianney; Mandianus Buge; Yulianus Logo
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.2921

Abstract

This study aims to synthesize the existing literature on the role of the Service Marketing Mix (7P) in influencing customer satisfaction and customer loyalty within service industries. A qualitative research design employing a literature review approach was adopted to critically analyze and integrate findings from peer-reviewed journal articles, academic books, and other scholarly publications related to marketing management. The collected literature was systematically examined through data condensation, data display, and conclusion verification to identify conceptual patterns and relationships among the research variables. The findings indicate that all seven dimensions of the Service Marketing Mix—Product, Price, Place, Promotion, People, Process, and Physical Evidence—contribute to customer satisfaction, although their relative influence varies across service contexts. Among these dimensions, People and Process consistently emerge as the most influential factors due to their direct impact on service delivery and customer experience. Furthermore, the review confirms that customer satisfaction functions as a key mediating mechanism linking the implementation of the Service Marketing Mix to customer loyalty. The study contributes to marketing literature by providing an integrated conceptual framework that enhances the theoretical understanding of service marketing and offers practical guidance for designing sustainable customer loyalty strategies.
Co-Authors Cliford R. Ratulangi Cliford Racelino Ratulang Cliford Racelino Ratulangi Debi D. Yoweni Debi Dince Yoweni Eridawaty Siagian Gabriela Karen Tuuk Lazarus Suyatno Vianney Lazarus Vianney Mandianus Buge Matilda S. Desta Matilda Serfi Desta Mikaus Gombo Mison Towolom Tiara Tiara Yulianus Logo