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Pengelolaan Keuangan Keluarga di Masa Pandemi Covid-19 Halpiah Halpiah; Hery Astika Putra; Baiq Rizka Milania Ulfah
Journal of Community Development Vol. 2 No. 1 (2021): October
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.234 KB) | DOI: 10.47134/comdev.v2i1.29

Abstract

Problems that often arise in the family/ household are quite complex. One of them is economic problems or financial problems, especially during the Covid-19 pandemic requiring careful financial management by making a priority scale where prioritizing expenditures based on needs compared to spending based on desires in order to avoid debt and receivables. The method in implementing PKM is carried out in three stages, namely 1) The preparation stage includes community situation analysis, identification of problems, determining PKM work objectives, determining the theme and schedule for PKM implementation, division of PKM tasks, 2) Implementation stage including presentation of material delivery with the lecture method, question and answer session, mentoring session for making financial management to participants, 3) Evaluation stage. This PKM activity was carried out by implementing the Covid-19 Health protocol which was attended by 20 participants, which were dominated by women who were married or had families. The goal is that these housewives are able to record every income and are able to track daily expenses that have been issued in one month by way of prioritizing financial management. The conclusion from this PKM was that the 20 participants who attended had never done financial management, not because they were unable or unwilling but there had never been any socialization about financial management and the lack of basic knowledge about financial management so that economic problems in finance were always repeated. Therefore, PKM activities regarding financial management are still very important to be carried out with the main target being women / housewives as literacy efforts in financial management so that they are able to distinguish between productive expenditures and consumptive expenditures as financial managers in the family.
PENGARUH DIGITALISASI PENGGUNAAN QRIS TERHADAP PENINGKATAN OMZET PADA UMKM DI KOTA MATARAM Annisa Renda Lestari; Triana Lidona Aprilani; Muhammad Habibullah Aminy; Hery Astika Putra
Nusantara Hasana Journal Vol. 6 No. 1 (2026): Nusantara Hasana Journal, June 2026
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v6i1.2162

Abstract

This study aims to analyze the effect of digitalization through the use of the Quick Response Code Indonesian Standard (QRIS) on omzet growth among Micro, Small, and Medium Enterprises (MSMEs) in Mataram City. The research is motivated by the transition from cash-based to digital payment systems in response to technological advancement and the need for operational efficiency in business activities. QRIS is considered an innovation that enhances transaction efficiency, expands customer reach, and increases revenue for business actors. This research employed a quantitative method with an associative approach. The population consists of all MSMEs in Mataram city using QRIS, with the sample determined using the slovin formula at a 10% margin of error, resulting in 100 respondents. Data were collected through questionnaires using a likert scale,  while data analysis included validity tests, reliability tests, classical assumption tests, simple linear regression analysis,t-test, and coefficient of determination (R2). The results indicate that the digital use of QRIS has a positive and significant effect on MSME omzet growth. This is supported by a t-value of 5.911, which is greater than the critical t-table value of 1.660, and a significance level of 0.000 (< 0.05). The coefficient of determination (R²) is 0.257, meaning that 25.7% of the variation in MSME profits is explained by the QRIS usage variable, while the remaining 74.3% is influenced by other factors. Therefore, the adoption of QRIS as a digital payment tool significantly contributes to increasing MSME profits in Mataram City.
Mitigasi Kebangkrutan: Penguatan Bisnis UMKM Melalui Intervensi Akuntansi Halpiah, Halpiah; Putra, Hery Astika
Jati: Jurnal Akuntansi Terapan Indonesia JATI Vol 7, No 1: March 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jati.v7i1.21535

Abstract

Penelitian bertujuan untuk memitigasi kebangkrutan dengan cara penguatan pondasi bisnis melalui intervensi aksuntansi pada UMKM yang menekuni usaha roti di kota mataram, menggunakan penelitian kualitatif, pendekatann study kasus, dengan hasil 1 diantara 10 informan utama telah menerapkan akuntansi, melakukan pengambilan keputusan bisnis berdasarkan hasil analisis laporan keuangan yang di tunjukan dengan pembukaan tiga outlet roti dan donat kekinian dalam 6 tahun, dibandingkan 9 lainnya 20 tahunan menekuni usaha belum ada pengembangan usaha, serta terdeteksi sinyal financial distress dimana kinerja keuangan menurun selama 4 tahun berturut-turut masih berproduksi karena bahan baku roti diperoleh dari berutang, dari temuan ini mitigasi kebangkrutan perlu dilakukan dengan cara melakukan intervensi akuntansi dalam menetapkan, standar biaya  bahan baku, produksi, penetapan Harga pokok penjualan dan harga jual, beralih dari manajemen tradisional ke manajemen visoner, kurangi komposisi utang, bentuk branding usaha agar produk dikenal, pasarkan roti lansung ke seller atau konsumen tampa melalui pengepul atau melalui sosial media agar perolehan keuntungan lebih maksimal, serta susun master plan dan road map usaha sesuai target level bisnis yang akan di capai dalam 3 tahun -5 tahun mendatang untuk menguatkan pondasi bisnis UMKM.