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Pendampingan Literasi Keuangan Digital Bagi UMKM Digital Di Kelurahan Tembong Kota Serang Rahmiyanti, Sev; Arianto, Bambang
PRAXIS: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 3 (2023): PRAXIS
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/praxis.v1i3.621

Abstract

The era of digitalization makes the use of digital financial applications contribute to the development of MSME businesses, especially from a financial aspect. MSME activists can actually use advances in digital financial technology to finance and strengthen business capital. However, the lack of digital financial literacy makes it difficult for MSME activists, especially digital ones, to use digital financial services properly, so that many are exposed to illegal online loans. In community service in the Tembong Village, Serang City which was held on 5th March 2023, assistance was provided on the importance of digital financial literacy for digital-based MSME activists. From the results of this activity it is known that MSME activists still have low understanding regarding digital financial literacy. This makes it difficult for some digital MSME activists to develop and worsens business performance. The success of this activity can be seen from digital MSME activists who have utilized various digital financial applications to increase working capital through digital financial financing patterns. MSME activists can also get to know digital financial governance, so they can carry out digital transactions as an effort to strengthen the financial aspects and digital business ecosystem.
PERINTISAN WIRAUSAHA BERBASIS PESANTREN MELALUI PELATIHAN DANPENDAMPINGAN WIRAUSAHA PADA SANTRI PP ASY-SYIFA SARUNI PANDEGLANG Urika, Urika; Rahmiyanti, Sev; Noviani, Lona; Nurfarisyi, Muhammad Ikhsan; Umbara, Pandu Setia
Jurnal Abdi Insani Vol 11 No 4 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i4.1828

Abstract

This Community Service Program (PKM) aims to pioneer and develop pesantren-based entrepreneurs through a series of entrepreneurial training and mentoring activities aimed at students of PP Asy-Syifa, Saruni, Pandeglang. Pesantren as Islamic educational institutions have great potential in developing community-based economies, but often do not have adequate access and skills to develop independent and sustainable businesses. The implementation of this program is focused on improving the skills of students in the field of entrepreneurship through intensive training and continuous mentoring. The results of this program show an increase in entrepreneurial skills among students, the establishment of two new business units managed by the pesantren, namely hydroponic vegetable farming and fish farming, and ongoing support from mentors to ensure business sustainability. With this training and mentoring, the students of PP Asy-Syifa not only gain practical knowledge about entrepreneurship, but are also able to apply it directly in business development. This program is expected to become a model of pesantren-based entrepreneurship pioneering that can be replicated in other pesantren, thus contributing to the economic independence of pesantren and improving the welfare of pesantren communities in Pandeglang and surrounding areas.
Penyuluhan Interaktif Literasi Keuangan Guna Mencegah Jebakan Pinjaman Online Ilegal Rahmiyanti, Sev; Marheni, Marheni; Fahrunnisa, Vinny; Zakaria, Muchammad Ridwan; Mahardika, Cindhita; Maghfiroh, Siti
Jurnal Pengabdian UNDIKMA Vol. 5 No. 3 (2024): August
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v5i3.12247

Abstract

This service activity aims to increase public awareness regarding the dangers of online loans (Pinjol) and good financial management literacy. The method of implementing this community service used interactive counseling techniques. The target was 17 students of Jenderal Soedirman University. This activity consisted of 4 (four) stages which included initial analysis of needs, preparation, coordination of implementation, and evaluation of activities in the form of distributing questionnaires which are analyzed descriptively. The results of this service showed that any increase in knowledge and skills in using financial service providers for online loans (Pinjol), is especially illegal. The participants had been able to plan, control, manage, and save finances well and were able to prioritize their respective needs. Meanwhile, regarding financial literacy, the participants already have good basic financial knowledge, were quite familiar with the ins and outs of savings and loans and the dangers of illegal online loans, and were quite knowledgeable about the importance of insurance and healthy investment.
Pemberdayaan Komunitas UMKM Berbasis Penguatan Aspek Keuangan dan Pemasaran Digital di Kota Serang Arianto, Bambang; Rahmiyanti, Sev; Handayani, Bekti
RUANG KOMUNITAS: Jurnal Pengabdian Masyarakat Vol 2 No 1 (2024): Ruang Komunitas: Jurnal Pengabdian Masyarakat
Publisher : Program Studi Ilmu Politik bekerjasama Program Studi Hubungan Internasional, Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/rkjpm.v2i1.46247

Abstract

Usaha Mikro Kecil dan Menengah (UMKM) merupakan pilar utama ekonomi Indonesia yang masih menemui berbagai kendala dari sisi tata kelola manajemen keuangan dan pemasaran. Dalam pengabdian masyarakat di Kelurahan Tembong Kota Serang yang dilaksanakan pada tanggal 5 Maret 2023, telah diberikan pendampingan bagi komunitas UMKM melalui penguatan aspek keuangan dan pemasaran digital. Dalam pendampingan ini telah diberikan pengetahuan tentang pentingnya laporan keuangan sederhana bagi UMKM dan teknik pemasaran digital. Dari hasil kegiatan diketahui bahwa pendampingan penyusunan laporan keuangan bisa memberikan kontribusi bagi perbaikan manajemen tata kelola UMKM. Sementara revitalisasi pemasaran digital melalui pemanfaatan media sosial dapat memperkuat aspek pemasaran bagi para pegiat komunitas UMKM. Keberhasilan kegiatan ini tampak dari para pegiat komunitas UMKM yang dapat mempergunakan pemasaran digital dan penyusunan laporan keuangan dengan baik. Para pegiat UMKM bisa memahami kebermanfaatan dari aspek keuangan.
TINGKAT PEMAHAMAN DAN KESIAPAN UMKM PRODUK HALAL DALAM IMPLEMENTASI SAK EMKM SEBAGAI DASAR LAPORAN KEUANGAN DI KECAMATAN PURWAKARTA KOTA CILEGON Rahmiyanti, Sev
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 1 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat pemahaman dan kesiapan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) produk halal dalam implementasi Standar Akuntansi Keuangan Entitas Mikro, Kecil dan Menengah (SAK EMKM) sebagai dasar laporan keuangan di Kecamatan Purwakarta Kota Cilegon. Teknik pengumpulan data melalui penyebaran kuesioner. Penelitian ini menggunakan sampel sebanyak 55 pengelola UMKM produk halal di Kecamatan Purwakarta Kota Cilegon. Teknik analisis data menggunakan analisis deskriptif. Hasil penelitian bahwa tingkat pemahaman pelaku UMKM produk halal di Kecamatan Purwakarta Kota Cilegon dalam mengimplementasikan SAK EMKM dalam pelaporan keuangannya berada dalam kategori cukup paham. Artinya pelaku UMKM produk halal di Kecamatan Purwakarta Kota Cilegon memiliki pemahaman yang cukup dalam pengukuran, asumsi dasar dan penyajian laporan keuangan. Tingkat kesiapan pelaku UMKM produk halal di Kecamatan Purwakarta Kota Cilegon dalam mengimplementasikan SAK EMKM dalam pelaporankeuangannya berada dalam kategori tidak siap.
PENGARUH FINANCIAL TECHNOLOGY DALAM MENINGKATKAN LITERASI KEUANGAN UMKM PRODUK HALAL KOTA CILEGON Rahmiyanti, Sev
Al-Infaq: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Penelitian ini untuk menganalisis peran Financial Technology (FinTech) dalam meningkatkan literasi keuangan UMKM produk halal Kecamatan Jombang KotaCilegon. Peneliti menggunakan teknik pengumpulan data sebanyak 50 respon yang dipilih secara acak yaitu pelaku UMKM produk halal Kecamatan Jombang Kota Cilegon. Penelitian ini menggunakan teknik pengumpulan data menggunakan data primer dan sekunder. Tujuannya adalah untuk mengetahui pengaruh variabel fintech dalam meningkatkan literasi keuangan di UMKM produk halal Kecamatan Jombang Kota Cilegon. Hasil dari penelitian menyatakan bahwa variabel litersi keuangan tidak pengaruh secara signifikan dan terdapat hubungan positif terhadap variabel Financial Technology (FinTech). Hal ini dikarenakan nilai T-statistik yang didapatkan oleh variabel perilaku keuangan sebesar 1.212 lebih kecil dari 1.960 dan nilai P-values sebesar 0.226 yang lebih besar dari 0.05.
ANALISIS DAMPAK RASIO PROFITABILITAS SEBAGAI INDIKATOR KINERJA PERUSAHAAN (STUDI KASUS: PT BANK SYARIAH INDONESIA TAHUN 2020-2024) Rahman, Anggi Meisya; Pramana, Pandu; Ausaa, Khairul; Saputra, Arief Dwi; Wirman, Wirman; Rahmiyanti, Sev
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 4, No 1 (2025): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v4i1.546

Abstract

The study focuses on analyzing PT Bank Syariah Indonesia (BSI) Tbk.'s financial performance from 2020-2024, specifically examining profitability ratios like Net Profit Margin, Return on Asset, and Return on Equity. The research highlights the significance of measuring profitability in evaluating Islamic banking operations post-merger and pandemic challenges. Using a quantitative approach and data from BSI's financial statements, the analysis includes calculating financial ratios, trend analysis over five years, and benchmarking against industry standards. The study aims to offer insights into BSI's profitability, identify factors influencing its financial performance, and provide valuable information for management, investors, regulators, and stakeholders to make informed decisions regarding BSI's performance and sustainability in the Islamic banking sector.Keywords : NPM, Profitability, Ratio, ROA, ROE.
PELATIHAN LITERASI LAPORAN KEUANGAN SEDERHANA BAGI UMKM LEGOK: DAMPAK PADA PRAKTIK PENCATATAN DAN PROFITABILITAS Rahmiyanti, Sev; Ranggala, Qadar; Indra, Jasmi; Indradi, Donny; Suhatman, Zaldi; Nurmiyanti, Leni; Sajid, Muhamad Roid; Wajo, Fauzan; Meidina, Frida Tri; Fawwaz, Muhammad Irvan
Jurnal Abdi Insani Vol 12 No 10 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i10.2870

Abstract

The 2025 Community Service Program (KKN) of Universitas Cendekia Abditama (UCA) in Legok District focused on providing simple financial report literacy training for Micro, Small, and Medium Enterprises (MSMEs). Many MSME actors in this area lack basic knowledge and skills in recording financial transactions and preparing essential financial statements such as income statements and cash flow reports. This program aimed to enhance the financial management capabilities of local businesses to support more informed business decision-making. The implementation method included seminars, technical training sessions, and direct assistance using a participatory approach to ensure active engagement of participants. The results showed a significant improvement in participants’ understanding and application of simple financial recording techniques. They became more capable of calculating profits, monitoring cash flow, and evaluating their business performance. Several MSMEs began to adopt more systematic financial practices. This training effectively contributed to increased profitability and strengthened the economic independence of the Legok community. Therefore, the program demonstrated a positive impact on MSME empowerment through the improvement of basic financial literacy.
Penyuluhan Financial Technology Bagi Penguatan Literasi Keuangan Digital Kewargaan Di Kelurahan Bendungan Kota Cilegon Rahmiyanti, Sev; Prasetyo, Nila; Gofur, Rifqi Maulidi; Hasanudin, Agus Ismaya; Arianto, Bambang
PRAXIS: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2023): PRAXIS Desember
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/praxis.v2i2.743

Abstract

Menguatnya ekosistem ekonomi digital telah mendorong transformasi model pembayaran konvensional menuju berbasis digital. Dampaknya semua transaksi pembayaran yang dilakukan kewargaan perlahan beralih dengan berbasis digital. Kehadiran Financial Technology (FinTech) telah berkontribusi dalam memperkuat terbentuknya ekosistem ekonomi digital karena merupakan bagian dari layanan keuangan digital. Dalam pengabdian masyarakat di Kelurahan Bendungan Kota Cilegon yang dilaksanakan pada tanggal 16 Januari 2023, telah diberikan penyuluhan tentang pemanfaatan Financial Technology sebagai bagian dari penguatan literasi keuangan digital kewargaan. Penyuluhan dimulai dengan memperkenalkan jenis-jenis FinTech, kebermanfaatan FinTech dan urgensi pengenalan FinTech bagi masyarakat Kelurahan Bendungan Kota Cilegon. Keberhasilan dari program ini dapat diketahui dari meningkatnya kemampuan para warga masyarakat dalam mengenali jenis-jenis, kelemahan dan kelebihan FinTech hingga berbagai hal yang perlu diwaspadai dalam pemanfaatan FinTech. Dari hasil kegiatan ini diketahui bahwa penyuluhan tentang Financial Technology dapat berkontribusi sebagai pengetahuan baru bagi penguatan literasi keuangan digital kewargaan di Kelurahan Bendungan Kota Cilegon.
Digital Business Communication Study: The Use of E-Wallets on the TikTok Shop E-Commerce Platform as a Digital Financial Transaction Solution for @fdperfume Anggrayni , Dewi; Rahmiyanti, Sev; Sugih, Agung Permana; Sahat, Febrisal
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2330

Abstract

Business communication is closely associated with interactions conducted by business actors with the aim of facilitating business transactions. Nowadays, companies have increasingly utilized digital media as a means of communication and business transactions through social media. However, business transaction failures often occur due to fraud employing various schemes. This study aims to explore how TikTokShop entrepreneurs optimize digital communication in financial transactions through e-wallets, as exemplified by @fdperfume Halal. Through interviews with the owner of the TikTokShop account @fdperfume Halal, it was found that e-wallets offer practical solutions that replace cash transactions and cumbersome bank transfers. The speed of payment notifications and transaction time efficiency are major advantages, while promotions such as cashback effectively attract customer interest and increase sales volume. This study identifies three main sub-themes for each indicator: first, digital financial transactions, including efficiency and cashback; second, the safety of digital transactions, encompassing security and cybercrime; and third, user trust in e-commerce, consisting of loyalty and credibility. Although there are concerns regarding the risks of cybercrime, business actors feel that e-wallet service providers have made efforts to minimize these risks. Overall, e-wallets have significant potential to evolve as a modern, practical, and secure digital payment solution by continually improving security, innovative features, and attractive promotional programs within the e-commerce ecosystem, particularly on TikTokShop.
Co-Authors Achmad Farhan Fauzan ACHMAD FAUZI Achmad Fauzi Achmad Rifai Achmad Rifai Adi Supriyatno Agung Praptapa Agung Praptapa Agus Agung Aprilian Ajeng Muhayani Ihdina Amrih Gilang Ganjar Anggrayni , Dewi Annuridya Rosyidta Pratiwi Octasylva Arlis Dewi Kuraesin Ausaa, Khairul Aziz Setyawan Nugroho Bambang Arianto Bambang Arianto Bekti Handayani Christina Tri Setyorini Dadang Romansyah Dadang Romansyah Denny Kurnia, Denny Didit Prasetyo Dika Putri Meidiana Donny Indradi Donny Indradi Duwi Cahyati Dwi Fitri Ningsih Eko Sudarmanto Eliada Herwiyanti Fahrunnisa, Vinny Farhan Bintang Ramadhan Fawwaz, Muhammad Irvan Fiorenza Rafa Talitha Sevandra Fitria Madaniah Prasetyo Frida Tri Meidina Frida Tri Meidina Gilang Ganjar Amrih Gofur, Rifqi Maulidi Hamidah Hamidah Handayani, Bekti Hartadi Wijaya Hasanudin, Agus Ismaya Hasanudin, Agus Ismaya Huddin, M. Nurhaula Iba Gunawan Iin Wijayanti Ima Pujiawati Indra Jasmi Indradi Donny Indradi, Donny Jasmi Indra Junet Kaswoto Khusnatul Zulva Kristanti Rahman Kristiyanto, Gunawan Leni Nurmiyanti Mahardika, Cindhita Maman Suryaman Marheni Marheni Meidina, Frida Tri Muhammad Jalis Nabila Maulida Syah Nafiudin Nafiudin Nizar Ahwaz Saputra Noval Fathullah Noviani, Lona Nugrahini Kusumawati Nur Hidayanti Nurfarisyi, Muhammad Ikhsan Pramana, Pandu Prasetyo, Nila Pratama, Tegar PUJI LESTARI Puji Lestari Rahman, Anggi Meisya Ranggala, Qadar Rini Widianingsih Rio Rio Rizal Zulkarnain Rohaelis Nur Aisiah Rohaelis Nuraisiah Rudiyanto Rudiyanto Sabrina Natasya Putri Bachtiar Sahat, Febrisal Sajid, Muhamad Roid Saputra, Arief Dwi Siti Maghfiroh Sri Mulyono Sugih, Agung Permana Suhatman Zaldi Suhatman, Zaldi Umbara, Pandu Setia Urika Urika Urika, Urika Wajo, Fauzan Wijaya, Mahatma Wirman, Wirman Wiwiek Rabiatul Adawiyah Yudistira Bangkit Sanjaya Bachtiar Zakaria, Muchammad Ridwan Zaldy Suhatman Zaldy Suhatman