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Pemberdayaan Literasi Keuangan kepada UMKM, melalui Mudahnya Berinvestasi Saham untuk Menunjang Keberlangsungan Bisnis Firdaus, Iwan; Saragih, Lisnatiawati; Karyatun, Subur; Anjani, Meri; Frinsisca, Frinsisca
KANGMAS: Karya Ilmiah Pengabdian Masyarakat Vol 5 No 2 (2024): KANGMAS: Karya Ilmiah Pengabdian Masyarakat
Publisher : Neolectura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/kangmas.v5i2.1566

Program Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk memberdayakan literasi keuangan kepada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Kelurahan Kota Bambu Selatan, Kecamatan Palmerah, Jakarta Barat, melalui pelatihan berinvestasi saham. Pelatihan ini diadakan untuk meningkatkan pengetahuan dan pemahaman pelaku UMKM mengenai pentingnya investasi saham sebagai salah satu cara untuk menunjang keberlangsungan bisnis mereka. Metode yang digunakan dalam program ini meliputi sosialisasi, workshop, dan pendampingan intensif. Peserta pelatihan adalah para pelaku UMKM yang memiliki minat untuk belajar tentang investasi saham. Selama pelatihan, peserta diberikan materi tentang dasar-dasar investasi saham, penggunaan aplikasi fintech untuk transaksi saham, serta strategi mengelola keuangan usaha. Hasil dari pelatihan menunjukkan peningkatan signifikan dalam literasi keuangan dan kemampuan peserta dalam berinvestasi saham. Sebagian besar peserta menyatakan bahwa mereka lebih percaya diri untuk memulai investasi saham setelah mengikuti pelatihan ini. Program ini berhasil mencapai tujuannya dalam meningkatkan literasi keuangan pelaku UMKM dan diharapkan dapat berkontribusi positif terhadap keberlangsungan dan pertumbuhan bisnis mereka di masa depan. Keberhasilan program ini juga ditunjukkan oleh tingkat kepuasan peserta yang tinggi terhadap materi dan metode yang digunakan.

Are Intercultural Situations a Problem? A Strenght and Self Readiness Provisioning in Penang, Malaysia Soelton, Mochamad; Karyatun, Subur; Harwani, Yuli; Asih, Daru; Ali, Anees Janee; Yuliantini, Tine; Rahmad, Khozaeni Bin
Sricommerce: Journal of Sriwijaya Community Services Vol. 5 No. 2 (2024): Sricommerce: Journal of Sriwijaya Community Services
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jscs.v5i2.193

Population growth is very high and is not balanced with the availability of jobs, resulting in uncontrolled poverty. Until now, unemployment is still a crucial problem for the Indonesian government. With minimal levels of education and skills, these job seekers have to compete with each other. This condition ultimately became the trigger for mass labor mobilization between countries carried out by the government. To alleviate poverty, the government implemented a program to place Indonesian Migrant Workers (TKI) abroad. The government's role in this program is focused on aspects of training, protection and providing various conveniences to related parties, especially TKI and Indonesian Migrant Worker Placement Services Companies (PJTKI). The aim of this community service is to empower informal workers and learning sector facilitators by strengthening the individual potential of the Indonesian Community Association (PERMAI) Pulai Pinang with a differentiated learning approach that favors the informal sector workers themselves, as well as an effort to adapt the adjustment process to the work community which exists. In Malaysia, adjustment includes interest, strengthening one's potential, and individual readiness to achieve increased productivity results. The solution is to strengthen individuals and/or facilitators in differentiated learning with a learning pattern approach that focuses on increasing productivity levels, through several stages. Stage 1: Map and collect data on initial partner conditions; Stage 2, Socialization through discussions with partners regarding implementation preparations, implementation time, members involved and service topics at Partners; Stage 3: Training and empowerment of differentiated learning and learning pattern approaches that focus on increasing productivity levels; Stage 4: Assistance in implementing learning approaches to learning patterns that favor increasing productivity levels; Stage 5: monitor and evaluate all partner activities; Stage 6: Follow-up on program implementation.

Implementation of a Financial Recording Application for Business Sustainability for MSMEs in the Kota Bambu Selatan District Area, West Jakarta ROSDIANA, Riska; HERMALA, Irvan; FIRDAUS, Iwan; KARYATUN, Subur
Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat Vol. 3 No. 3 (2024): Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat (Oktober – Januari 2025)
Publisher : Indonesia Strategic Sustainability

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ahjpm.v3i3.1097

Limited understanding and financial recording systems cause MSMEs to experience difficulties in making appropriate financial decisions in running a business and accessing capital credit. In the digital era, understanding technology and innovation is the key to increasing the competitiveness of MSMEs. This community service activity aims for participants to gain an understanding of financial management in the form of simple digital-based planning and recording for MSMEs. Learning outcomes are measured by improving participants' skills in using the digital financial recording application (BukuWarung) to carry out financial bookkeeping and recording. The various features in the BukuWarung financial recording application have the potential to make it easier for MSMEs to prepare their business financial books. The activity implementation method consists of three stages. The first preparation stage includes pre-survey, team formation, making and submitting proposals, coordinating teams and partners as well as preparing materials and training materials. The second stage is the program implementation stage in the form of socialization. Socialization is carried out through counseling (presentation of material) and discussions. The third stage is the evaluation and reporting stage. Evaluation is carried out by comparing the conditions of partners before and after program implementation using the observation method. The training activities were carried out offline in two sessions, namely the first session was lecturing, namely the delivery of training material on the use of digital financial recording applications for MSMEs by resource persons and the second session was discussion, namely discussion activities with the participants.

FAMILY COMPETITIVE ECONOMIC PERFORMANCE WITH FINANCIAL LITERACY: COMMUNITY SERVICE IN PONDOK AREN Wahyono, Tri; Perkasa, Didin Hikmah; Karyatun, Subur; Supryadi, Didy Ika; Kuswibowo, Christian; Putra Saratian, Eko Tama; Soelton, Mochamad
Jurnal Pengabdian Teratai Vol 5 No 2 (2024): Jurnal Pengabdian Teratai
Publisher : Lembaga Penelitian Dan Pengabdian Pada Masyarakat (LPPM) Institut Bisnis dan Informatika (IBI) Kosgoro 1957

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55122/teratai.v5i2.1354

PKM Partners is Pondok Aren District in the Department of Cooperatives & UMKM located on Jl. Graha Raya Bintaro No.1, Parigi Baru, Tangerang, South Tangerang City, Banten 15228. Pondok Aren District is growing quite rapidly, with a population of around 294,996. This is directly proportional to the number of MSMEs reported based on the SKDU document of around 1,373. Currently, the government, through the Financial Services Authority (OJK), is calling on the public to continue to encourage the progress of the Sharia Financial Industry which has grown rapidly in the last five years both in terms of the number of players and sharia financial assets in banking, capital markets and IKNB [1]. In Indonesia, family entrepreneurship has begun to emerge and this can be seen from various franchise businesses such as fast food franchises, retail store franchises to service businesses and so on. With the problems above, the community service team held business plan outreach activities in creating family entrepreneurship. The development of family entrepreneurship can also support economic growth in countries such as the United States where 90 percent of the 15 million companies are family companies and have contributed 40% of the GNP of the United States, while with an understanding of Business Planning in developing family entrepreneurship, it can prevent disagreements and conflict occurs in the company, so that in the end it can reduce poverty levels and improve community welfare. Family economic problems can be overcome by carrying out various family-based entrepreneurial activities. Family-based entrepreneurship can be developed to reduce dependence on work from companies both government and private.

PENINGKATAN KINERJA KARYAWAN DENGAN ORGANIZATIONAL LEARNING DAN ORGANIZATIONAL COMMITMENT SEBAGAI PEMEDIASI Wahyono, Tri; Ramadhana, Faza Arya; Karyatun, Subur; Arijanto, Agus; Kuswibowo, Christian; Soelton , Mochamad
Jurnal Keuangan dan Bisnis Vol. 22 No. 2 (2024): Jurnal Keuangan Dan Bisnis Volume 22, Number 2, October 2024
Publisher : Catholic University Musi Charitas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32524/jkb.v22i2.1188

Performance issues are of course inseparable from the process, results and effectiveness, in this case achievement or work performance is the result of work in terms of quality and quantity achieved by an employee in carrying out his duties in accordance with the responsibilities given to him. This research aims to test and analyze the influence of job descriptions on employee performance with organizational learning and organizational commitment as intervening variables. Using quantitative methods, with saturated sampling totaling 95 employees, using Structural Equation Model (SEM) as an analysis method with Smart - PLS. In conclusion, job descriptions have a positive and significant effect on employee performance, job descriptions have a positive and significant effect on organizational learning, job descriptions have a positive and significant effect on organizational commitment, organizational learning has a positive and significant effect on employee performance, organizational commitment has a positive and significant effect on employee performance, organizational learning is able to partially mediate the influence of job descriptions on employee performance, and organizational commitment is unable to mediate the influence of job descriptions on employee performance. An interesting finding from this research, without involving organizational learning, the influence of job descriptions on employee performance is very strong. There is a high indication that the correct division of job descriptions will encourage employees to work optimally. So that the company's goal of achieving high performance from all its employees will run according to strategic targets.

PENGARUH PROMOSI, INOVASI PRODUK DAN PERSEPSI HARGA TERHADAP KEPUASAN KONSUMEN MELALUI KEPUTUSAN PEMBELIAN DI BAKE AND BEYOND SENTUL CITY Juliansyah, Firman; Karyatun, Subur
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.13745

Penelitian ini untuk menganalisis pengaruh promosi, inovasi produk, dan persepsi harga, terhadap kepuasan konsumen melalui keputusan pembelian di Bake and Beyond Sentul City. Sebanyak 120 sampel digunakan dengan menggunakan purposive sampling. Pengumpulan data menggunakan kuesioner dan pengolahannya menggunakan structural equation modelling (SEM). Hasil penelitian menunjukkan promosi, inovasi produk dan persepsi harga memiliki pengaruh positif dan signifikan terhadap kepuasan konsumen. Promosi, inovasi produk dan persepsi harga berpengaruh positif signifikan terhadap keputusan pembelian, Keputusan pembelian berpengaruh positif dan signifikan terhadap kepuasan konsumen. Promosi, inovasi produk dan persepsi harga berpengaruh positif tidak signifikan terhadap kepuasan konsumen melalui keputusan pembelian.

The influence of capital structure, liquidity, and operational cost efficiency on firm value with profitability as an intervening variable in banking companies listed on the Indonesia Stock Exchange for the period 2019–2023 Muslim, Ajis; Karyatun, Subur
Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis Vol. 3 No. 4 (2025): Co-Creation : Jurnal Ilmiah Ekonomi Manajemen Akuntansi dan Bisnis
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cocreation.v3i4.1443

Capital structure, liquidity, and operating cost efficiency are important factors that influence company performance, especially banking companies. This study aims to analyze the effect of capital structure, liquidity, and operating cost efficiency on profitability and firm value. This study uses the regression analysis method to test the proposed hypothesis. The data also used is data from banking companies listed on the indonesia stock exchange during the 2019-2023 period. Hypothesis testing is carried out using linear regression tests to analyze the relationship between variables. The findings prove that capital structure has a significant positive effect on profitability, but has no direct effect on firm value. Liquidity has no significant effect on profitability, but has a negative effect on firm value. Operating cost efficiency is proven to have a significant positive effect on profitability, and firm value through profitability.

Attitude toward money and openness to experience in the formation of marketplace consumer impulse buying Utama, Andyan Pradipta; Sari, Alvita; Lestari, Rahayu; Karyatun, Subur
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 11, No 2 (2025): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020255513

Impulse purchases in the digital marketplace are increasing, but the relationship between attitudes towards money, openness to experience, and hedonic shopping motivation has not been studied in an integrated manner. This study aims to analyze the effect of attitudes towards money and openness to experience on impulse purchases, with hedonic shopping motivation as a mediating variable. This research refers to the Theory of Planned Behavior and the Five Factor Model as a theoretical basis. Using a mixed method sequential explanatory approach, quantitative data was collected from 115 marketplace respondents in Jabodetabek and analyzed using PLS-SEM. The qualitative stage was conducted through interviews with 8 informants. Results show that attitude towards money has a significant effect on hedonic shopping motivation (t = 2.491; p = 0.013) and impulse buying (t = 3.917; p = 0.000), but the mediation effect is not significant (t = 1.108; p = 0.268). In contrast, openness to experience had a significant effect on hedonic shopping motivation (t = 4.291; p = 0.000) and impulse purchase (t = 2.395; p = 0.017), and was significantly mediated by hedonic shopping motivation (t = 2.041; p = 0.042). These findings provide strategic implications for digital marketers in developing campaigns based on consumer psychological characteristics. Limitations of this study include sample size and geographical scope.

FAMILY COMPETITIVE ECONOMIC PERFORMANCE WITH FINANCIAL LITERACY: COMMUNITY SERVICE IN PONDOK AREN Wahyono, Tri; Perkasa, Didin Hikmah; Karyatun, Subur; Supryadi, Didy Ika; Kuswibowo, Christian; Putra Saratian, Eko Tama; Soelton, Mochamad
Jurnal Pengabdian Teratai Vol. 5 No. 2 (2024): Jurnal Pengabdian Teratai
Publisher : Lembaga Penelitian Dan Pengabdian Pada Masyarakat (LPPM) Institut Bisnis dan Informatika (IBI) Kosgoro 1957

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55122/teratai.v5i2.1354

PKM Partners is Pondok Aren District in the Department of Cooperatives & UMKM located on Jl. Graha Raya Bintaro No.1, Parigi Baru, Tangerang, South Tangerang City, Banten 15228. Pondok Aren District is growing quite rapidly, with a population of around 294,996. This is directly proportional to the number of MSMEs reported based on the SKDU document of around 1,373. Currently, the government, through the Financial Services Authority (OJK), is calling on the public to continue to encourage the progress of the Sharia Financial Industry which has grown rapidly in the last five years both in terms of the number of players and sharia financial assets in banking, capital markets and IKNB [1]. In Indonesia, family entrepreneurship has begun to emerge and this can be seen from various franchise businesses such as fast food franchises, retail store franchises to service businesses and so on. With the problems above, the community service team held business plan outreach activities in creating family entrepreneurship. The development of family entrepreneurship can also support economic growth in countries such as the United States where 90 percent of the 15 million companies are family companies and have contributed 40% of the GNP of the United States, while with an understanding of Business Planning in developing family entrepreneurship, it can prevent disagreements and conflict occurs in the company, so that in the end it can reduce poverty levels and improve community welfare. Family economic problems can be overcome by carrying out various family-based entrepreneurial activities. Family-based entrepreneurship can be developed to reduce dependence on work from companies both government and private.

KOMUNIKASI PEMASARAN TERPADU SEBAGAI STRATEGI DALAM MENCAPAI KEBERLANJUTAN BISNIS Utama, Andyan Pradipta; Chan, Syafrizal; Karyatun, Subur; Lestari, Rahayu
Mandalika Journal of Community Services Vol. 1 No. 2 (2024): Mandalika Journal of Community Services
Publisher : Penerbit Mandalika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/mjcs.v1i2.83

Dalam situasi era kenormalan baru saat ini, memberikan peluang dan tantangan bagi para pelaku UMKM untuk membangun kembali usahanya yang sempat terpuruk selama pandemi. Situasi pandemi covid-19 telah berlangsung hampir dua tahun di Indonesia, dimana usaha mikro, kecil dan menengah (UMKM) menghadapi berbagai tantangan serius baik di sektor jasa maupun barang. Tantangan tersebut antara lain penurunan penjualan yang relatif besar, penurunan jumlah pelanggan, kesulitan memperoleh bahan baku, dan tantangan kegiatan pemasaran akibat adanya aturan dari pemerintah mengenai pembatasan interaksi dengan masyarakat lokal dan penerapan protokol kesehatan di seluruh Indonesia. Tujuan kegiatan pengabdian masyarakat ini dilakukan dengan tujuan untuk memberikan pengenalan dan juga memberikan edukasi pada masyarakat khususnya yang memiliki usaha bahwa strategi komunikasi pemasaran terpadu dapat meningkatkan keberlanjutan bisnis. Berdasarkan pantauan kami, adaptasi konsep komunikasi pemasaran terpadu yang dilakukan oleh UMKM di Kecamatan Kota Bambu Selatan Kecamatan Palmerah meliputi kegiatan promosi seperti periklanan, pemasaran langsung, promosi penjualan, kehumasan, pemasaran langsung, pemasaran interaktif, serta penjualan pribadi belum optimal dilaksanakan. Hal ini karena tidak seluruh komponen dan unsur komunikasi pemasaran terpadu dapat terlaksana karena terbatasnya pemahaman masyarakat.

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