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All Journal International Journal of Evaluation and Research in Education (IJERE) Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Basicedu Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal Ta'lim of Journal STKIP Aisyiyah Riau SENTRI: Jurnal Riset Ilmiah Jurnal Basicedu IIJSE JER Manaruko: Jurnal Pengabdian Masyarakat
Afdal, Zul
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The Effect of Financial Literacy on Investment Interest with Financial Awareness as a Mediating Variable Among Students at Padang State University Afrizal, Arif Dwi; Afdal, Zul
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 11 (2025): SENTRI : Jurnal Riset Ilmiah, November 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i11.4851

Abstract

This study examines the role of financial awareness as a mediating variable in the relationship between financial literacy and investment interest among students of the Faculty of Economics, Padang State University. A quantitative approach was used with path analysis techniques to test the direct and indirect effects between variables. A sample of 344 students was selected using proportional random sampling from a total population of 31,425 students. Data collection was conducted using a Likert scale questionnaire and analyzed using SPSS version 25. The results showed that financial literacy had a positive and significant direct effect on investment interest. Financial awareness also significantly influenced students' investment interest. In addition, financial awareness was proven to play a role as a mediating variable in the relationship between financial literacy and investment interest, as indicated by the Sobel test with a significance value below 0.05. The total contribution of financial literacy and financial awareness in explaining variations in investment interest reached 90.71%. However, this figure needs to be understood carefully so as not to give an exaggerated impression of the model's strength. More than just statistical results, these findings reveal that students with high levels of financial literacy tend to have stronger financial awareness, which simultaneously shapes positive mindsets and attitudes toward investment. This shows that financial understanding not only plays a role as technical knowledge, but also as a psychological and behavioral foundation for wise financial decision-making. The practical implications of these findings emphasize the importance of strengthening financial literacy education programs and increasing financial awareness from an early age, both through academic curricula and external training. These efforts are expected to encourage students to become smart, rational young investors who are prepared to face risks in an informed manner.
Peningkatan Produktifitas Akademik Guru Melalui Pelatihan Pembuatan Media Berbasis Chatgpt Dan Join Research Rino, Rino; Muskhir , Mukhlidi; Asriel, Armida S; Septrizola, Whyosi; Afdal, Zul
Manaruko: Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2025): Manaruko: Jurnal Pengabdian Masyarakat
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/manaruko.v4i2.65

Abstract

Teachers as educational personnel are currently considered as a supporting component of education that is still weak in an effort to improve the quality of education. Four competencies that must be possessed by teachers are pedagogical competence, personality competence, social competence and professional competence, it turns out that pedagogical and professional competence are two competencies that are still low. This community service activity was carried out to help teachers strengthen the academic and professional competencies of teachers so as to increase academic productivity involving 23 participants. The problem-solving model offered is to conduct training in developing video learning media using the Camtasia application and training in preparing action research proposals using a collaboration of expository learning strategies (SPE) and problem-based learning strategies (SPBM). The implementation of this activity was carried out using the methods of lectures, questions and answers, guided exercises in person and online. After the guidance and training, there was an increase in teachers' pedagogic and professional competencies, especially in developing learning media and writing PTK proposals. Guru sebagai tenaga kependidikan saat ini dinilai sebagai komponen pendukung pendidikan yang masih lemah dalam upaya meningkatkan mutu Pendidikan. Empat kompetensi yang wajib dimiliki oleh guru yaitu kompetensi pedagogik, kompetensi kepribadian, kompetensi sosial dan kompetensi profesional, ternyata kompetensi kompetensi pedagogik dan profesional adalah dua kompetensi yang masih rendah. Kegiatan pengabdian masyarakat ini dilakukan untuk membantu guru-guru memperkuat kompetensi akademik dan professional guru sehingga meningkatkan produktifitas akademik yang melibatkan 23 orang peserta guru di SMAN1 Sungai tarab. Model pemecahan masalah yang ditawarkan adalah dengan melakukan pelatihan pengembangan media pembelajaran video dengan menggunakan aplikasi Camtasia dan pelatihan menyusun proposal action research dengan menggunakan kolaborasi strategi pembelajaran ekspositri (SPE) dan strategi pembelajaran berbasis masalah (SPBM). Pelaksana kegiatan ini dilakukan dengan metode ceramah, tanya jawab, latihan terbimbing secara langsung dan secara daring. Setelah dilakukan bimbingan dan pelatihan terlihat adanya peningkatan kompetensi pedagogic dan professional guru terutama dalam pengembangan media pembelajaran dan penulisan proposal PTK
Pengaruh Kemudahan, Manfaat, dan Risiko Terhadap Minat Pembiayaan Peer to Peer Lending Pada Pelaku UMKM di Kecamatan Lima Kaum Agustiani, Sela Putri; Afdal, Zul
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1663

Abstract

Studi ini menganalisis pengaruh kenyamanan, manfaat, dan risiko terhadap minat UMKM di Kabupaten Lima Kaum, Sumatera Barat, dalam menggunakan pembiayaan fintech P2P lending. Metode kuantitatif dengan analisis regresi linier berganda diterapkan pada 122 responden UMKM. Hasil menunjukkan bahwa ketiga variabel tersebut secara signifikan mempengaruhi minat (89,4%), dengan manfaat sebagai faktor dominan (koefisien 0,692). Menariknya, risiko memiliki korelasi positif (koefisien 0,177), menunjukkan bahwa UMKM tetap tertarik meskipun menyadari risiko potensial. Temuan ini menyoroti pentingnya kemudahan akses dan manfaat finansial dalam mendorong adopsi fintech, serta kebutuhan untuk meningkatkan literasi digital dan keamanan platform guna mengoptimalkan potensinya. Implikasi studi ini bagi platform fintech, penting untuk menyediakan layanan yang mudah digunakan dengan manfaat konkret untuk menarik UMKM. UMKM sendiri harus secara aktif mempelajari mekanisme dan risiko potensial sebelum menggunakan layanan fintech. Temuan tentang hubungan positif antara risiko dan minat juga membuka jalan untuk penelitian lebih lanjut tentang perilaku pengguna, yang akan bermanfaat bagi pertumbuhan usaha kecil.
SBP in the Context of Islamic Principles and Sharia Compliance: A Systematic Literature Review Latifannisa, Nuri; Rahmi, Yuri; Afdal, Zul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6116

Abstract

This analysis is based on previous research that focused more on Sharia operational aspects, such as Sharia-based financial products or the Islamic banking system, while the understanding of compliance with Sharia principles in various industry sectors to support Sustainable Business Performance (SBP) is still limited. This study aims to identify, review, and systematize previous research on the impact of compliance with Sharia principles on SBP. The methodology used is a Systematic Literature Review (SLR) with the PRISMA method with a period of 2020-2024. The results of the study show that compliance with Sharia principles has a significant impact on SBP. Sharia compliance provides an opportunity to build consumer trust, expand access to a wider market, and improve financial resilience and corporate stability, especially through more prudent risk management and the absence of adverse practices.
Peningkatan Pemahaman Parenting di Era Digital dalam Upaya Mewujudkan Keluarga Berkarakter dan Sejahtera Marwan, Marwan; Friyatmi, Friyatmi; Yulhendri, Yulhendri; Rino, Rino; Afdal, Zul; Sofya, Rani; Sofia, Nita; S, Armida
ABDI: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 8 No 1 (2026): Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : Labor Jurusan Sosiologi, Fakultas Ilmu Sosial, Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/abdi.v8i1.1769

Abstract

Kegiatan pelatihan yang dilaksanakan bertujuan meningkatkan pemahaman orang tua tentang parenting di era digital dalam mewujudkan keluarga berkarakter dan sejahtera di Kelurahan Ulak Karang Selatan. Permasalahan utama mitra adalah masih terbatasnya literasi digital orang tua dalam mendampingi anak menggunakan teknologi secara bijak. Kegiatan dilaksanakan dalam bentuk pelatihan tatap muka yang terdiri atas penyampaian materi oleh narasumber dan sesi tanya jawab interaktif, dengan melibatkan 20 orang tua (Ibu-Ibu PKK) yang menjadi mitra sekaligus partisipan pada kegiatan pengabdian. Pengumpulan data dilakukan menggunakan instrumen kuis berbasis daring yang diberikan sebelum (pre-test) dan sesudah (post-test) kegiatan untuk mengukur peningkatan pemahaman peserta. Data dianalisis secara deskriptif melalui perbandingan hasil pre-test dan post-test, yang menunjukkan adanya peningkatan pemahaman peserta setelah mengikuti pelatihan, sehingga kegiatan ini berkontribusi dalam memperkuat kapasitas orang tua dalam mendampingi anak di era digital. Kegiatan pengabdian kepada masyarakat ini dilaksanakan melalui kegiatan pelatihan dan pendampingan parenting digital bagi Ibu-Ibu PKK di Ulak Karang Selatan. Kegiatan dilaksanakan pada hari Sabtu dan Minggu tanggal 12 dan 13 Juli 2025 bertempat di Kantor Lurah Ulak Karang Selatan. Kegiatan ini telah meningkatkan pemahaman parenting Ibu-Ibu PKK dari rata-rata skor 68 (pre test) menjadi 81 (post test). Pelaksanaan pelatihan ini juga dianggap berhasil oleh peserta dengan tingkat kepuasan peserta sebesar 91,72.
Co-Authors Abror Abror Afrizal, Arif Dwi Agustiani, Sela Putri Armida Armida Asriel, armida Asriel, Armida S Audhiha, Miftah Auliya, Vivi Rizky Bashir, Ashadi Fandora, Karmila Febliza, Asyti Friyatmi Friyatmi Herman Dwi Surjono Latifannisa, Nuri Marina Angraini, Lilis Marwan Marwan Mega Iswari Miftahudin Muskhir , Mukhlidi Nita Sofia Oktariani, Oktariani Prima Putra, Muhamad Ilham Rahmi, Yuri Rini Sarianti Rino Rino Risnawati Risnawati S, Armida Safira, Adhe Okta Septrizola, Whyosi Sofya, Rani Victor Novianto Yassin, Abdulnassir Yulhendri Yulhendri Zubaidah Amir MZ