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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Pasundan Community Service Development
Zainal, Rahmi
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Moderate Effect of Financial Literacy during the Covid-19 Pandemic in Technology Acceptance Model on the Adoption of Online Banking Services Akbar, Y. Rahmat; Zainal, Haznil; Basriani, Agustin; Zainal, Rahmi
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 4 (2021): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i4.3253

Abstract

This research explored the factors that have a significant effect on the adoption of online banking services using the Technology Acceptance Model (TAM) theory, both directly and moderated by financial literacy. This quantitative study used a single cross-sectional research design to collect data from 100 respondents using Google Form. The collected data were analyzed using Structural Equation Modeling-Partial Least Square (PLS-SEM). The results showed that the perceived usefulness directly had a positive and significant impact on the adoption of online banking services. Likewise, the perception of ease of use shows that it directly has a positive and significant effect on the adoption of online banking services. The results also prove the moderating effect of financial literacy on the correlation between predictors and adoption of online banking services. This finding serves to inform managers and policymakers to design effective strategies by capturing customers' desire to use and experience using e-banking during the COVID-19 pandemic and economic globalization.
Family Financial Planning Training for a Group of Pkk Women in Labuh Baru Barat District Prihastuti, Asepma Hygi; Wahyuni, Sri; Adriyani, Annesa; Ramadhani, Suci; Zainal, Rahmi
Pasundan Community Service Development Vol. 1 No. 2 (2023): Pasundan Community Service Development
Publisher : Doctoral Program of Social Science, Pasundan University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/pascomsidev.v1i2.88

Abstract

This community service activity is carried out because mothers as managers of family finances are expected to be careful in planning their family finances, so that they can avoid wasting money, prioritize fulfilling needs rather than desires, and not live by always relying on debt, because expenses are greater than income. , and can set aside money for savings/investment. This training was carried out for 24 PKK mothers in Labuh Baru Barat Subdistrict, before being given material and training regarding family financial planning, a Pre Test was carried out with the results.14 people have not managed their finances well, 6 people have only recorded family expenses, and 4 people have recorded household financial income and expenses. This shows that the family's financial planning is still not good, so sometimes for sudden financial needs they often take out loans by digging holes to cover holes. After that, materials and training were provided, then as an evaluation a Post Test was carried out, the results of which stated that 20 people could understand the difference between needs and wants, 18 people could calculate the entire family income, 21 people could make a list of priority expenses, 15 people could maintain the debt ratio , and 12 people can allocate Savings, Insurance and Investment. It is hoped that by carrying out this family financial planning training, PKK mothers will be able to plan their finances well, be able to make a budget for household income and expenditure, and be able to save/invest for other needs in the future, so that a prosperous family can be achieved.
Training on Calculation of Cost of Cost of Homemade Yoghurt Production for Mothers Citizens of Labuh Baru Barat Village Wahyuni, Sri; Ramadhani, Suci; Adriyani, Annesa; Prihastuti, Asepma Hygi; Zainal, Rahmi
Pasundan Community Service Development Vol. 2 No. 1 (2024): Pasundan Community Service Development
Publisher : Doctoral Program of Social Science, Pasundan University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/pascomsidev.v2i1.118

Abstract

Community service activities carried out by a team of accounting lecturers with partners from one of the culinary MSMEs that make and sell yoghurt drinks in the Labuh Baru Barat sub-district, Pekanbaru City. The number of MSME participants is 15 members. This MSME is a family business whose production process is carried out by women residents of West Labuh Baru Village, Pekanbaru City. This yogurt making business has been going on since 2020, and has been marketed to several local residents through consignment sales to several shops and supermarkets in Pekanbaru City. The problem faced by partners is weakness in determining product selling prices. The results of the Pre Test and Post Test are: 1) Respondents' responses regarding the understanding of raw material costs, 3 participants answered correctly in the Pre Test and 12 participants answered incorrectly, 15 people answered correctly in the Post Test; 2) Respondents' responses regarding the labor cost component, Pre Test answers, none of the participants answered the question correctly, Post Test answers all answered correctly; 3) Respondents' responses regarding the meaning of factory overhead costs, only 1 participant answered the Pre Test correctly, all the Pre Test answers answered correctly; 4) Respondents' responses regarding the method for calculating the cost of goods sold, there were no correct answers, all Post Test answers were correct.
Training On Budget Preparation And Selling Price Determination For Micro Beverage Yoghurt Business Prihastuti, Asepma Hygi; Wahyuni, Sri; Adriyani, Annesa; Ramadhani, Suci; Zainal, Rahmi
Pasundan Community Service Development Vol. 2 No. 2 (2024): Pasundan Community Service Development
Publisher : Doctoral Program of Social Science, Pasundan University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/pascomsidev.v2i2.160

Abstract

This training on preparing budgets and determining selling prices for yoghurt drink micro businesses was motivated by the fact that many yoghurt micro businesses still experience difficulties in preparing budgets and determining product selling prices. Several factors that cause this, include a lack of knowledge about cost analysis, understanding of the market, and appropriate pricing strategies. Without these skills, business owners could face the risk of loss, and could even fail in running their business, even though demand for ready-to-eat food and beverage products such as yoghurt continues to increase. This market offers great opportunities for micro businesses who want to offer innovative products that meet consumer demand as well as the large amount of government support for micro businesses in various government programs. And many consumers prefer local products that are more homemade and natural, and believe that these products have better quality. This training has provided an in-depth and practical understanding of the importance of financial management in running a business. The following are important points that are the conclusions of this training, namely: 1) The importance of preparing a budget; 2) Calculation of production costs; 3) Selling price determination strategy; 4) Market analysis; 5) Financial management; and 6) Improving practical skills for mothers of West Labuh Baru Village in Pekanbaru.
Training On Calculation Of Salon Service Costs For People With Physical Disabilities Prihastuti, Asepma Hygi; Ramadhani, Suci; Wahyuni, Sri; Adriyani, Annesa; Zainal, Rahmi
Pasundan Community Service Development Vol. 3 No. 1 (2025): Pasundan Community Service Development
Publisher : Doctoral Program of Social Science, Pasundan University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/pascomsidev.v3i1.220

Abstract

Poverty and economic vulnerability are still significant issues, especially for groups of people with physical disabilities who experience physical limitations. The Riau Province Empowerment of People with Physical Disabilities UPT in Pekanbaru responded to this condition by providing various skills training, one of which is make-up and salon. Training in calculating the cost of salon services as a crucial element for people with physical disabilities who are engaged in this field. This training is relevant because: 1) Increases economic independence and social inclusion by opening up entrepreneurial paths amidst limited access to formal employment and reducing dependency; 2) Utilizes the potential of the stable and flexible salon industry market in Pekanbaru, especially through the home-based business model; 3) Ensures business sustainability through an essential understanding of cost to avoid losses, optimize profits, and facilitate financial planning and management; and 4) Supports local government programs in empowering MSMEs with disabilities. The training methods used are inclusive and adaptive, including interactive face-to-face sessions with visual demonstrations and group discussions, practical approaches through simulations and case studies, as well as guidance and mentoring. The expected outcomes of this training include increased knowledge of cost components and costing methods, business decision making, and increased independence and self-confidence to become entrepreneurs. This training is a strategic investment that equips people with physical disabilities in Pekanbaru to build profitable and sustainable salon businesses, while also encouraging broader social inclusion.
Co-Authors Adriyani, Annesa Akbar, Y. Rahmat Basriani, Agustin Haznil Zainal Prihastuti, Asepma Hygi Sri Wahyuni Suci Ramadhani, Suci