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All Journal Jurnal SOLMA Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Budimas : Jurnal Pengabdian Masyarakat Jurnal Dharma Bhakti Ekuitas ADMA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Maslahah: Jurnal Manajemen dan Ekonomi Syariah PENG: Jurnal Ekonomi dan Manajemen
Amalia, Naili
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Nursing Social Sciences Other

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Analisis pengaruh sikap finansial, pengalaman finansial dan kepribadian terhadap perilaku manajemen keuangan dimediasi oleh literasi finansial Amalia, Naili; Hamdani , Muhammad Luthfi
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. Spesial Issue 5 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (359.979 KB) | DOI: 10.32670/fairvalue.v4iSpesial Issue 5.2192

Abstract

This study aims to determine the effect of financial attitudes, financial experience, and financial literacy on financial management behavior. Respondents are Small and Medium Enterprises in the city of Surakarta which found 186 people as a sample. The data were processed using the SPSS version 25 application and the Sobel Online Calculator to test the effect of mediation. The results of this study found that each variable of financial attitude, financial experience and personality had a significant positive effect on the financial literacy of SMEs in the city of Surakarta. Furthermore, in the second equation, the variables of financial attitude, financial experience and personality are known to have a significant positive influence on the financial management behavior of SMEs in Surakarta, but the financial literacy variable does not have a significant effect on financial management behavior. The results of the mediation effect test in this study found that financial literacy could not mediate the indirect effect of financial attitudes, financial experience and personality on the financial management behavior of SMEs in the city of Surakarta.
Volatilitas Market Cap Pada BEI Periode 2019-2021 Amalia, Naili; Sunarso, Sunarso
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 5 No. 3 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/fairvalue.v5i3.2644

Abstract

Stocks are indeed one of the most eye-catching investments for investors. As an investor, you need clear directions regarding the volatility of each layer of the market cap of stocks. Knowing the volatility of each layer of the market cap will provide consideration for investors before making an investment. This will involve considering the amount of return and risk that will be faced. The higher the volatility of stock prices, which gives a signal, the higher the risks that will be faced. Lower volatility signals that companies tend to have a higher market cap and lower risk. This research method uses quantitative methods with descriptive analysis and uses secondary data. The population of this study is the shares of companies listed on the IDX from 2019 to 2021, taken by purposive sampling, where at each layer of the market cap there are 30 companies. The results showed that there was a significant difference in the value of volatility in the market cap layer. While the results of risk and stock returns for each layer of market cap have differences but are not significant.
Pengaruh Aspek Keuangan, Inklusi Keuangan, Kompetensi Kewirausahaan dan Orientasi  Pasar Terhadap Kinerja UMKM (Studi Kasus pada UMKM Fashion di Surakarta Tahun 2023) Fadhila, Rizkya; Amalia, Naili
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 1 (2025): Januari-Maret, Economics and business economics in Humanity
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/194ese07

Abstract

Micro, Small and Medium Enterprises (MSMEs) are at the forefront of economic development in Indonesia. In the current era, MSMEs are growing increasingly massively, especially in the fashion sector, where in 2022, MSMEs are increasingly selling imported clothing. The city of Surakarta is an object because the growth of MSMEs in the fashion sector is quite high, reaching 781 new MSMEs in 2023, where the performance of MSMEs is an important discussion to research. This research aims to analyze the influence of financial aspects, financial inclusion, entrepreneurial competence and market orientation on the performance of MSMEs. The population in this study was 1,049 MSMEs in the fashion sector with 100 samples taken using a simple random sampling technique. The data collection technique uses a questionnaire. Data analysis techniques use validity tests, reliability tests, classical assumption tests, descriptive analysis, multiple linear regression analysis, F test, t test and coefficient of determination test. The results of the analysis stated that all questionnaire items as research instruments were valid and reliable, as well as the classical assumption tests, including the multicollinearity test, autocorrelation test, heteroscedasticity test and normality test, all variables were declared to have passed the classical assumption test. Multiple linear regression analysis obtained the equation Y = 0.958 + 0.090X1 + 0.513X2 + 0.367X3 + 0.124X4 + e, meaning that all regression coefficients are positive, which means that the variables X1 (financial aspect), X2 (financial inclusion), X3 (entrepreneurial competence) and X4 (market orientation) have a positive effect on the performance of MSMEs in the fashion sector in Surakarta. The partial hypothesis test obtained from financial aspects and market orientation does not have a significant effect on the performance of MSMEs in the fashion sector in Surakarta, while financial inclusion and entrepreneurial competence have a significant effect on the performance of MSMEs in the fashion sector in Surakarta. The F test states that the research model for the influence of the independent variable on the dependent variable is appropriate. The coefficient of determination test shows that financial aspects, financial inclusion, entrepreneurial competence and market orientation are able to explain the performance of MSMEs by 58.9%.
Edukasi Perilaku Keuangan Keluarga yang Baik Saat Bulan Ramadhan pada TPA IT Baiti Jannati Surakarta Amalia, Naili; Hamdani, Muhammad Luthfi
Jurnal Dharma Bhakti Ekuitas Vol. 9 No. 1 (2024): Jurnal Dharma Bhakti Ekuitas
Publisher : Universitas Ekuitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v9i1.778

Abstract

The month of Ramadan is known to be the peak of economic liquidity where household spending increases rapidly. So it is necessary for every household to prepare themselves so as not to be trapped in detrimental financial behavior. Good financial behavior can be seen from the decision to use money when faced with needs that must be spent effectively, for saving, and for investment. Education on family financial behavior is carried out in the parent parenting class of TPA IT Baiti Jannati, Surakarta. The method of this service is education through problem identification, presentation of material, and discussion. Some of the parenting participants said that there was minimal financial preparation for Ramadan. Mental and psychological readiness in facing Ramadan is the main key to avoid pressure and stress due to increased spending. Therefore, a special plan is needed to face Ramadan by implementing strategies to increase income, managing personal finances, implementing coping strategies with planful problem solving, self control, utilising technology and financial technology. It is strongly recommended and recommended that before Ramadan, you must have prepared Ramadan finances by making Ramadan Savings. In addition, you must be wise in shopping, manage finances in such a way that all needs are fulfilled without any deficit or debt. The existence of this activity is expected that participants have better knowledge related to financial behaviour and can make wiser financial decisions during the month of Ramadan with the use of financial infrastructure. Keywords: Financial decisions, financial behavior, month of ramadan. Abstrak Bulan Ramadhan diketahui menjadi puncak likuiditas perekonomian dimana pengeluaran rumah tangga meningkat pesat. Sehingga perlu setiap rumah tangga perlu mempersiapkan diri agar tidak terjebak pada perilaku keuangan yang merugikan. Adapun perilaku keuangan yang baik bisa dilihat dari keputusan penggunaan uang di saat dihadapkan pada kebutuhan yang harus dikeluarkan secara efektif, untuk menabung, dan untuk investasi Edukasi perilaku keuangan keluarga dilakukan pada kelas parenting wali murid TPA IT Baiti Jannati, Surakarta. Metode dalam pengabdian ini berupa edukasi melalui identifikasi masalah, pemaparan materi, dan diskusi. Beberapa dari peserta parenting mengakatakan jika memang minim akan persiapan keuangan menghadapi Ramadhan. Kesiapan mental dan psikis dalam menghadapi Ramadhan kunci utama untuk menghindari adanya tekanan dan stress karena peningkatan pengeluaran. Maka dari itu perlu rencana khusus untuk menghadapi Ramadhan dengan menerapkan strategi peningkatan pendapatan, pengelolaan keuangan pribadi, penerapan strategi coping dengan planful problem solving, self control, pemanfaatam teknologi dan financial teknologi. Sangat disarankan dan dianjurkan sebelum Ramadhan harus sudah mempersiapkan keuangan Ramadhan dengan cara membuat Tabungan Ramadhan. Selain itu harus bijak dalam berbelanja, kelola keuangan sedemikian rupa hingga terpenuhinya semua kebutuhan tanpa adanya defisit atau hutang. Adanya kegiatan ini peserta diharapkan memiliki pengetahuan lebih baik terkait perilaku keuangan dan bisa mengambil keputusan keuangan yang lebih bijak selama bulan Ramadhan dengan pemanfaatan insfrastruktur financial. Kata Kunci: Keputusan keuangan, perilaku keuangan, bulan ramadhan.
Membangun Generasi Muda yang Mandiri dan Melek Keuangan Melalui Financial Literacy pada Karang Taruna Trisakti Wonogiri Amalia, Naili; Sunarso, Sunarso; Oktovita Sari, Putri
Jurnal SOLMA Vol. 14 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v14i1.17099

Abstract

Background: Organisasi Karang Taruna biasanya diikuti oleh Masyarakat pada usia 15 – 30 tahun. Banyak di antara anggota yang belum memahami konsep dasar keuangan, seperti budgeting, saving, investing, dan pengelolaan risiko keuangan. Tujuan utama adalah mengukur tingkat konsistensi serta memperbaiki langkah dalam proses pengelolaan keuangan serta meningkatkan ilmu tentang financial literacy. Metode: Kegiatan ini dilakukan pada anggota Karang Taruna Trisakti yang beralamat di Desa Sendang Ijo Rt 03/08 Kecamatan Selogiri Kabupaten Wonogiri. Solusi ditawarkan melalui edukasi, pemanfaatan teknologi, diskusi, komitmen diri, pemanfaatan media sosial serta evaluasi. Hasil: Peserta tidak hanya memperoleh materi, tetapi juga memiliki kesempatan untuk berkonsultasi secara langsung mengenai permasalahan finansial yang mereka hadapi, baik dalam konteks pribadi maupun keluarga. Dengan demikian, mereka semakin menyadari betapa pentingnya literasi keuangan sebagai landasan untuk mencapai kesejahteraan ekonomi di masa depan, baik untuk diri sendiri maupun bagi lingkungan sekitar. Kesimpulan: Diharapkan secara konsisten anggota Karang Taruna Trisakti melakukan perubahan aktif dalam pengelolaan keuangan kearah yang jauh lebih baik untuk menuju financial freedom sesuai dengan apa yang telah dilakukan oleh kegiatan ini.
Pengaruh Rasio Keuangan terhadap Financial Distress pada Perusahaan Sektor Transportasi dan Logistik yang Terdaftar di Bei Tahun 2019-2024 Clarentia Agustin Christie Ziliwu; Amalia, Naili
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i4.2775

Abstract

This study aims to examine the effect of financial ratios on financial distress in transportation and logistics sector companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. The research employed a documentation method by collecting secondary data from the companies’ financial statements within the observed period. The financial ratios analyzed include profitability, liquidity, leverage, and activity. The level of financial distress was measured using the Altman Z-Score method. The sample was selected using a purposive sampling technique, consisting of 22 companies observed over six years. Data analysis was conducted using panel data regression with the assistance of EViews 12, with the selected model being the Fixed Effect Model (FEM). The partial test results indicate that profitability, liquidity, leverage, and activity ratios do not have a significant effect on financial distress. However, the simultaneous test results show that the four variables together significantly affect financial distress. These findings suggest that financial ratios cannot serve as a single indicator in assessing a company’s financial distress. Nevertheless, when used collectively and combined with the Altman Z-Score measurement, they can provide a more accurate assessment of a company’s financial distress condition.
PENGEMBANGAN ERA DIGITAL MARKETING KELOMPOK UMKM PEREMPUAN SRIKANDI GILINGAN BANJARSARI SURAKARTA Amalia, Naili; Sunarso, Sunarso; Aprian Aditama, Rizky Ramadhan
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The perpetrators of the Women's Srikandi Gilingan MSME group in Banjarsari, Surakarta, are classified as living in densely populated villages with a minimal economy. So far, the Women's Srikandi Gilingan Banjarsari Surakarta UMKM group has been active in making karak crackers. Not all members are involved in making these karak crackers. In the near future, there will be a development of processed catfish products into nuggets as a driver of economic growth for the Srikandi Gilingan Women's MSME group, Banjarsari, Surakarta. The obstacle is the lack of knowledge of the MSME group in marketing their products. The low level of digitalization has made the Women's Srikandi Gilingan Banjarsari Surakarta UMKM group not have a wide range of buyers. By offering the concept of a digital marketing strategy and implementing The Seven Laws, it will provide convenience for the Women's Srikandi Gillingan Banjarsari Surakarta MSME group in optimizing product sales. The results of the FGD formulation show that there are several steps that must be taken by members, including understanding social media channels, making publications on various social media, managing channels and consistently updating, increasing traffic, starting from existing social media. The greatest hope for this implementation will have a positive impact on the development of Srikandi's MSMEs. Kata kunci: Digital Marketing, UMKM Srikandi
Smart Finance for Smart Mothers: Strategi Pengelolaan Keuangan Keluarga yang Efektif bagi Ibu Rumah Tangga di Desa Gemantar Amalia, Naili; Wulandari, Rina; Salsabila, Alfina Azzahra
ADMA : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 6 No. 2 (2025): ADMA: Jurnal Pengabdian dan Pemberdayaan Mayarakat: In-Progress
Publisher : LPPM Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/adma.v6i2.5739

Abstract

Ibu rumah tangga memiliki peran sentral dalam pengelolaan keuangan keluarga, khususnya di masyarakat pedesaan yang sering menghadapi tantangan pendapatan tidak menentu. Minimnya literasi keuangan kerap menjadi hambatan dalam mengatur anggaran, melakukan perencanaan tabungan, serta menghindari jeratan utang yang berpotensi memperburuk kondisi ekonomi keluarga. Menjawab permasalahan tersebut, program pengabdian ini dilaksanakan di Desa Gemantar, Wonogiri, dengan tujuan meningkatkan literasi keuangan ibu rumah tangga melalui penerapan model Smart Finance. Model ini dirancang dengan pendekatan partisipatif yang terdiri atas tiga tahapan utama, yaitu motivation class, coaching class, dan pendampingan intensif yang berkesinambungan. Metode pelaksanaan dilakukan secara terstruktur melalui pre-test untuk mengukur kemampuan awal peserta, pelatihan sebagai intervensi utama, serta post-test untuk mengevaluasi capaian setelah program. Hasil kegiatan menunjukkan peningkatan signifikan pada keterampilan pengelolaan keuangan keluarga: sebanyak 85% peserta mampu menyusun anggaran rumah tangga secara sistematis, 78% terbiasa mencatat pengeluaran harian, 65% mulai melakukan kegiatan menabung, dan 40% berinisiatif memulai usaha kecil berbasis rumah tangga. Temuan ini menegaskan bahwa model Smart Finance tidak hanya efektif dalam meningkatkan literasi keuangan, tetapi juga mampu mendorong perubahan perilaku keuangan dan memberikan dampak nyata pada pemberdayaan ekonomi keluarga, khususnya bagi ibu rumah tangga di wilayah pedesaan.
Co-Authors Aprian Aditama, Rizky Ramadhan Clarentia Agustin Christie Ziliwu Fadhila, Rizkya Hamdani , Muhammad Luthfi Hamdani, Muhammad Luthfi Nur ‘Azah Oktovita Sari, Putri Rina Wulandari Salsabila, Alfina Azzahra Sunarso Sunarso