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All Journal JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Horizon: Indonesian Journal of Multidisciplinary
Detty Agustin Riscal
Universitas Bima Internasional MFH
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Literasi Keuangan dan Digital Skill terhadap Kinerja SDM Perajin Ketak Berbasis Keunggulan Bersaing Detty Agustin Riscal; Nur Fitrianingsi
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.5359

Abstract

Ketak handicraft is one of the leading creative industry sectors in West Nusa Tenggara Province that contributes to the local economy, yet it still faces challenges related to limited managerial capacity and technological adaptation of craftsmen. This study aims to analyze the effect of financial literacy and digital skills on the human resource performance of ketak craftsmen, with competitive advantage as a mediating variable. This research employs an explanatory quantitative approach by collecting data through questionnaires from 50 ketak craftsmen in Beleka Village, Central Lombok Regency, using purposive sampling. Data analysis was conducted using Partial Least Square (PLS-SEM) with SmartPLS 4.0. The results indicate that financial literacy and digital skills have a positive and significant effect on HR performance. Furthermore, competitive advantage significantly mediates the relationship between financial literacy, digital skills, and HR performance. These findings highlight that improving craftsmen’s performance depends not only on technical production skills but also on financial management capabilities and digital technology utilization to create market competitiveness. The limitation of this study lies in the limited sample size and its focus only on ketak artisans in Beleka Village. The recommendation of this study is the need for financial literacy and digital skills training for ketak artisans to improve competitiveness and human resource performance.
Peningkatan Literasi Pengelolaan Keuangan pada Generasi Z melalui Pelatihan Aplikasi Fintech Nur Fitrianingsi; Detty Agustin Riscal; Alfiatmi Laelatunnufus; Miratul Husna Neris; Phita Magfirah Ramdhani
JURPIKAT Vol 7 No 1 (2026): 7.1 2026
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v7i1.2762

Abstract

Kemampuan mengelola keuangan pribadi secara bijak penting dimiliki generasi muda agar dapat mengambil keputusan finansial yang tepat. Generasi Z masih menghadapi tantangan rendahnya literasi keuangan. Untuk menjawab masalah tersebut, dilakukan pelatihan pengelolaan keuangan pribadi menggunakan aplikasi Money Lover. Metode pelaksanaan terdiri atas pemberian penyuluhan, diskusi interaktif, praktik penggunaan aplikasi Money Lover, dan evaluasi hasil melalui pre-test maupun post-test. Pelatihan terbukti meningkatkan literasi keuangan Gen Z, khususnya dalam penggunaan aplikasi fintech. Peserta pada tahap pre-test masih memiliki pemahaman terbatas, namun menunjukkan sikap positif. Setelah pelatihan, post-test memperlihatkan peningkatan dalam penguasaan konsep pengelolaan keuangan dan pemanfaatan fintech. Kegiatan ini efektif dalam memperkuat literasi keuangan digital, membentuk sikap lebih baik, dan mendorong perilaku finansial yang bijak pada Generasi Z.
Co-Authors Alfiatmi Laelatunnufus Miratul Husna Neris Nur Fitrianingsi Phita Magfirah Ramdhani