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Meningkatkan Pemahaman Pelaku UMKM Dalam Pengelolaan Keuangan Melalui Pelatihan Literasi Keuangan Seleky, Roy; Jacsy Tubalawony
Jurnal Pengabdian Multidisiplin Vol. 4 No. 2 (2024): Jurnal Pengabdian Multidisiplin
Publisher : Kuras Institute & Scidac Plus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/002024041064000

Penulisan ini ditujukan kepada para pelaku UMKM yang berdomisili di Negeri Waai Kabupaten Maluku Tengah, Provinsi Maluku. Pengabdian ini dilakukan dengan Metode Sosialisasi, Diskusi dan Latihan dengan tujuan untuk meningkatkan kemampuan literasi keuangan dan fintech pelaku UMKM agar memiliki motivasi, semangat kerja dan soft skill demi meningkatkan dan mempertahankan usaha yang telah dijalani. Hasil dari pengabdian ini, sesuai perhitung wilcoxon para pelaku UMKM Negeri dilihat adanya kenaikan nilai positif rank antara hasil sebelum pelatihan literasi keuangan dan sesudah pelatihan literasi keuangan. Disini terdapat ada 49 data Positif (N)yang artinya ada 49 orang dari 50 orang mengalami peningkatan pengetahuan dan pemahaman mengenai literasi keuangan dan financial technology (fintech).

Financial distress analysis uses the modified Altman z-score method at PT. Prasidha Aneka Niaga Tbk for the 2019-2021 period Seleky, Roy; Christianty, Restia; Latuconsina, Zainuddin
ProBisnis : Jurnal Manajemen Vol. 15 No. 2 (2024): April: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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The purpose of this study was to determine the financial condition of Perum Perumnas Regional-1 Medan using the Altman Z-score method. The data analysis technique used in this study was descriptive analysis technique, namely collecting data, classifying data, explaining data and analyzing data. The results of the study show that with the Altman Z-score method, companies experience financial distress every year.

Analysis of the contribution of levies, local taxes and independence to South Buru Regency's original regional income (PAD) in 2019-2022 Seleky, Roy
Digital Business: Tren Bisnis Masa Depan Vol. 15 No. 1 (2024): March: Bussines, IT, Finance
Publisher : Central Research Institute for Agriculture (CeRIA)

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This study aims to determine the contribution of levies, local taxes, and self-reliance to local revenue (PAD). This study uses quantitative data types, while data sources use secondary data with documentation data collection techniques while data analysis techniques use quantitative descriptive. Based on the results of the study it was concluded that the contribution of regional levies shows that the condition is still lacking, this is due to the lack of availability of public facilities, for regional tax contributions it also experiences unstable conditions where the lack of firmness of the Buru Selatan regional government towards the community in the obligation to pay taxes, while for financial independence the area of south buru is still very low because the south buru district government is still lacking in maximizing levies or retribution and regional taxes to increase PAD. So that in this case the government of South Buru Regency increases the regional original income (PAD) through levies and taxes, thereby increasing regional independence.

How Education, Financial Literacy, and Planning Affect Financial Management Among MSMEs in Fena Fafan Maluku Seleky, Roy
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1156

This study examines the influence of education level, financial literacy, and financial planning on financial management practices among micro, small, and medium enterprises (MSMEs) in Fena Fafan District, South Buru Regency. Using a quantitative approach, data were collected from 31 MSME operators and analyzed using multiple linear regression. The findings reveal that education level and financial literacy do not significantly affect financial management, while financial planning has a strong and positive influence. These results underscore the importance of practical financial behavior over formal education or theoretical knowledge, particularly in geographically isolated and underserved regions. The demographic profile of the respondents, dominated by limited formal education and micro-scale operations, further emphasizes the relevance of applied planning habits. This study contributes to the growing body of research on rural entrepreneurship and highlights the need for context-sensitive financial development programs that prioritize behavior-based interventions over conventional literacy models.

Cash Management Analysis in an Efforts to Maintain Liquidity Stability at PT Midi Utama Indonesia tbk 2020-2023 Period Seleky, Roy; Christianty, Restia
ProBisnis : Jurnal Manajemen Vol. 16 No. 2 (2025): April 2025: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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This study aims to analyze cash management in an effort to maintain liquidity stability at PT MIDI UTAMA INDONESIA Tbk for the period 202-2023.The type of research is quantitative descriptive research, using data sourced from IDKS as a research instrument. Data analysis techniques use Cash Management analysis (Optimal Cash Balance and Liquidity Ratios such as Current ratio, Quick ratio and cash ratio.The results of the study show that the company's ability has not been able to provide good results. This is proven by the calculation of the optimal cash balance that the company should have from 2020 - 2023 has never been achieved by the company, in terms of calculating the Liquidity ratio, all the ratios calculated show that the results obtained are at a figure > 1, which means that the company's cash has not been able to meet its obligations.

How Education, Financial Literacy, and Planning Affect Financial Management Among MSMEs in Fena Fafan Maluku Seleky, Roy
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1156

This study examines the influence of education level, financial literacy, and financial planning on financial management practices among micro, small, and medium enterprises (MSMEs) in Fena Fafan District, South Buru Regency. Using a quantitative approach, data were collected from 31 MSME operators and analyzed using multiple linear regression. The findings reveal that education level and financial literacy do not significantly affect financial management, while financial planning has a strong and positive influence. These results underscore the importance of practical financial behavior over formal education or theoretical knowledge, particularly in geographically isolated and underserved regions. The demographic profile of the respondents, dominated by limited formal education and micro-scale operations, further emphasizes the relevance of applied planning habits. This study contributes to the growing body of research on rural entrepreneurship and highlights the need for context-sensitive financial development programs that prioritize behavior-based interventions over conventional literacy models.

STRATEGIC MODEL FOR MSME DEVELOPMENT IN MALUKU PROVINCE Pattiruhu, Josef. R.; Tabelessy, Walter; Seleky, Roy
Journal Of Social Science (JoSS) Vol 2 No 10 (2023): JOSS : Journal of Social Science
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/joss.v2i10.140

Micro, Small and Medium Enterprises (MSMEs) in Maluku Province play an important role in driving the local economy. This study discusses the strategic model of MSME development with a focus on financial literacy, digital marketing, and improving the ability of Human Resources (HR). This type of research is quantitative research. The sample of this study was 100 MSME actors in Maluku Province with questionnaire collection techniques. Data analysis tactics using regression analysis with the help of SPSS applications. 20. The result of this study is a strategic model of MSME development with a focus on financial literacy, digital marketing, and improving the ability of Human Resources (HR) can affect the performance of MSMEs both partially and simultaneously. Cooperation between governments, educational institutions, and local businesses is key in implementing in-depth training programs. By strengthening financial literacy, digital marketing, and human resource capabilities, MSMEs in Maluku Province can strengthen the local economy, create jobs, and support sustainable economic growth.

PENGELOLAAN POTENSI SDM UNTUK MENINGKATKAN PENDAPATAN KELUARGA PADA IBU-IBU PELAKU UMKM DI PULAU BANDA KABUPATEN MALUKU TENGAH Tutupoho, Saleh; Lewaherilla, Novalien C.; Hiariey, Harvey; Chandra, Felix; Seleky, Roy; Tahapary, Grace
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 5 (2023): Volume 4 Nomor 5 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v4i5.21255

Maraknya UMKM yang dilakukan oleh ibu-ibu rumah tangga menjadi hal yang sangat dalam menghadapi dinamika perekonomian saat ini Selain sebagai ibu rumah tangga, Ibu-Ibu adalah pion untuk menambah pendapatan keluarga. Program Sosialisasi tentang Pegelolaan Potensi SDM dalam mingkatkan pendapatan keluarga menjadi sangat penting untuk ibu-ibu Pelaku UMKM di Pulau Banda, Kabupaten Maluku Tengah. Kegiatan PKM ini dirancang khusus untukuntuk ibu-ibu pelaku usaha , dengan fokus pada peningkatan pemahaman, keterampilan, pengetahuan, dan mentalitas kewirausahaan dalam mengelola usaha sesuai potensi yang dimiliki . Program PKM ini mencakup serangkaian pelatihan, workshop dan share pengalaman oleh Dosen fakultas Ekonomi dan Bisnis Universitas Pattimura , yang juga punya pengalaman sebagai praktisi bisnis.. Tujuan PKM ini untuk memberi pemahaman dan pendampingan tentang pengelolaan Potensi SDM untuk meningkatkan pendapatan ibu-ibu pelaku usaha serta menjawab tantangan yang dihadapi dan memberikan solusi dakam melihat peluang dalam menjalankan usaha. Terdapat manfaat yang signifikan dari kegiatan ini, karena dengan bertambahnya pengetahuan tentang pengelolaan potensi SDM, maka akan meningkatkan pendapatan ibu-ibu Pelaku usaha di Pulau banda Kabupaten Maluku Tengah

PENDAMPINGAN SADAR WISATA DAN PENGEMBANGAN WEBSITE DESA WISATA DI KECAMATAN BANDA KABUPATEN MALUKU TENGAH Bugis, Muhammad; Latuconsina, Zainuddin; Tutupoho, Saleh; Matdoan, Arsad; Laitupa, Abdul Azis; Basuki, Ferry H.; Sijabat, Ani; Seleky, Roy; Tamhe, Etvin R.
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2024): Volume 5 No. 3 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i3.29158

Tujuan dari pelaksanaan kegiaatan pengabdian meningkatkan kemampuan Kelompok sadar wisata (Pokdarwis) dalam pengelolaan wisata, meningkatkan perilaku sadar wisata masyarakat, meningatkan kegiatan-kegiatan yang menunjang giat wisata seperti ekonomi kreatif, keamanan, ketertiban, kebersihan dan even-even di destinasi wisata, meningkatkan partisipasi kegiatan masyarakat dalam semua kegiatan kepariwisataan termasuk tokoh-tokoh masyarakat, meningkatkan pengelolaan web desa. Sosialisasi dan pendampingan Sadar Wisata di Kecamatan Banda Kabupaten Maluku Tengah dengan cara sosialisasi, ceramah dan diskusi, pengenalan produk, pemasaran, pembuatan website. Pengabdian kepada Masyarakat yang merupakan amanah Tri Dharma Perguruan Tinggi mendapat respon positif oleh mitra untuk Sosialisasi sadar wisata di Desa Wisata Budaya Desa Rajawali dan Sekaligus sebagai pendampingan yang berkelanjutan. Pelatihan Teknik Pemanduan dilakukan secara kontinuitas sebagai upaya professional pelaku pariwisata. Terbentuk kelompok interpreter pada masyarakat, terbentuknya Sekeretariat & Sanggar. Budaya serat masyarakat berwirausaha di Desa Rajawali. Program sosilaisasi dan pendampingan melibatkan stakeholder dapat berlanjut sebagai manifestasi kerjasama pentahelix. PKM Pendampingan sadar Wisata dan Website desa di Desa Rajawali telah berhasil meningkatkan kesadaran masyarakat Desa Rajawali, yang pada akhirnya bermanfaat untuk meningkatkan kesejahteraan masyarakat. Harapan kedepan adanya sinergi yang lebih baik lagi antara semua lapisan masyarakat, pemerintah, swasta dan pihak investor maupun dari bumdes.

The Effect of Unemployment And Poverty on The Dynamics of Economic Growth In Ambon City (Short-Term And Long-Term Analysis) Serang, Mohamad Ratmasa; Seleky, Roy; Hiariey, Harvey; Tehuayo , Erlinda
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 10 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID) November 2025
Publisher : Sean Institute

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This study aims to analyze and measure the influence of Unemployment and Poverty on Economic Growth in Ambon City, both in the context of short-term and long-term relationships. Methods: This study uses a quantitative approach with time series data for the period 2009–2023 in Ambon City. The analytical method chosen is the Error Correction Model (ECM), which is effective for testing dynamic relationships between stationary variables in the first differential (I(1)). The dependent variable is Economic Growth (GROWTH), and the independent variables are Unemployment (UNEMP) and Poverty (POVERTY). Key Results (Initial Estimates): All variables are proven to be non-stationary at the level, but stationary in the first differential. Cointegration is found between the variables, confirming the existence of a long-run equilibrium relationship, thus validly applying the ECM model. In the short run, the initial ECM estimation results indicate that: Changes in unemployment (D(UNEMP)) have a negative and significant effect at the 10% level on economic growth. Changes in poverty (D(POVERTY)) also show a negative relationship, although not statistically significant. The Error Correction Coefficient (ECT) in the ECM model indicates the existence of an adjustment mechanism toward long-run equilibrium. Implications/Novelty: The use of the ECM model provides methodological novelty, enabling richer analysis by separating short-run (annual fluctuations) and long-run (equilibrium relationship) influences, particularly in the context of local policy in Ambon City.

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