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All Journal Jurnal Mantik Jurnal GeoEkonomi Jurnal Pengabdian Kreativitas Pendidikan Mahakam (JPKPM)
Wahyuti, Sri
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SOSIALISASI LATIHAN PENCATATAN KEUANGAN SEDERHANA PADA PEDAGANG TOKO KELONTONG DI SAMARINDA Wahyuti, Sri
Jurnal Pengabdian Kreativitas Pendidikan Mahakam (JPKPM) Vol. 3 No. 1 (2023): Juni
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Widya Gama Mahakam Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24903/jpkpm.v3i1.1227

Abstract

This service aims to provide training socialization, namely to provide soft skills for Peek MSME actors in terms of simple financial recording. This training had a positive impact on MSME actors in the form of increasing their understanding of how financial records should be carried out for more effective business financial management. Training activities are carried out using socialization techniques and practice. The result of this training is that peep business actors have better skills in carrying out simple financial records. The main problem faced by MSME actors is that they have never recorded financial transactions in a simple and chronological manner so that the financial condition and development of the business cannot be known. With this activity, it is expected to increase understanding, knowledge, and skills in simple bookkeeping for grocery traders.
IMPLIKASI FINANCIAL TECHNOLOGY, LITERASI KEUANGAN DIMEDIASI OLEH DIGITAL MARKETING TERHADAP KINERJA KEUANGAN UMKM Astri Yulidar Abbas, Muhammas; Wahyuti, Sri; Safrullah, Safrullah
Jurnal GeoEkonomi Vol. 16 No. 1 (2025)
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/geoekonomi.v16i1.575

Abstract

This research aims to determine the direct effects that occur due to the existence of financial technology and financial literacy mediated by digital marketing on the financial performance of MSMEs in Samarinda City. This research uses quantitative descriptive research, and the nature of this research is explanatory research. The sample for this research is MSMEs in Samarinda City. The sampling technique uses a purposive sampling method. The data analysis used is SEM PLS (Partial Least Square) analysis. Primary data was obtained from distributing questionnaires with data collection techniques using questionnaires and documentation. The results of the research state that the relationship between fintech and positive financial performance has no significant effect, the relationship between financial literacy and positive financial performance has a significant effect, and digital marketing mediates fintech and financial literacy on financial performance positively and significantly. Digital marketing is 80% an influential and significant factor in financial performance, with 20% other variables.
Financial management to improve competitiveness in Indonesian fintech peer-to-peer lending companies Dachlan, Rudy Syafariansyah; Wahyuti, Sri; Yulidar Abbas, Muhammad Astri; Rohmah, Siti
Jurnal Mantik Vol. 9 No. 2 (2025): August: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v8i6.6459

Abstract

The rapid growth of Indonesia’s fintech industry, especially in peer-to-peer (P2P) lending, presents both opportunities and financial risks. This study aims to examine and compare the financial management strategies of two major Indonesian fintech companies—Easycash and Findaya—by analyzing their profitability, liquidity, solvency, and operational efficiency. Using a descriptive comparative design and secondary data from audited financial reports covering the period from 2019 to 2023, the study calculates key financial ratios, including ROA, ROE, Current Ratio, DER, and Efficiency Ratio. Results show that Easycash adopted a high-leverage growth model, experiencing a significant decline in profitability (ROA: 58.7% to 2.6%) and an increase in financial risk (DER reached 2.20). In contrast, Findaya followed a conservative financial strategy, improving performance with increased ROA (-53.8% to 16.0%), higher liquidity (CR: 4.15), and lower debt (DER: 0.32). These contrasting approaches provide insight into risk tolerance, strategy execution, and resilience. The study contributes by offering firm-level evidence on how financial management impacts competitiveness in Indonesia’s fintech sector and serves as a model for evaluating financial strategies in similar emerging markets.
Co-Authors Adnan, Gandi Agus Riyanto Aini, Nur Fadilah Cahyani, Putri Dachlan, Rudy Syafariansyah Hanafi, Abdul M. Astri Yulidar Abbas Parembang, Elmayani Siti Rohmah Sugiarto S Syamsiar, Syamsiar Thomas