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All Journal Ultima Management : Jurnal Ilmu Manajemen TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Abdimas Indonesian Journal Jurnal Pengabdian Pada Masyarakat Benefit : Journal of Bussiness, Economics, and Finance Journal of Nusantara Economic Science Jurnal Nusa Manajemen EduImpact: Jurnal Pengabdian dan Inovasi Masyarakat Jurnal Ilmu Sosial dan Humaniora
Sugiarto, Aris
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Perilaku Manajemen Keuangan pada Masyarakat di Kabupaten Sumbawa Hadiatullah; Sugiarto, Aris
Journal of Nusantara Economic Science Vol 1 No 4 (2023): Journal of Nusantara Economic Science (JNES)
Publisher : PT NAFATIMAH GRESIK PUSTAKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menguji (1) pengaruh Pengetahuan Keuangan terhadap Perilaku Manajemen Keuangan pada masyarakat di Kabupaten Sumbawa, (2) pengaruh Sikap Keuangan terhadap Perilaku Manajemen Keuangan pada masyarakat di Kabupaten Sumbawa. Metode penelitian yang digunakan adalah metode penelitian deskriptif dengan pendekatan kuantitatif/asosiasif. Subjek penelitian ini adalah masyarakat yang berdomisili di Kabupaten Sumbawa. Teknik pengumpulan data menggunakan kuesioner. Uji validitas dan reliabilitas dilakukan terhadap 30 orang. Sampel dalam penelitian ini berjumlah 100 responden melalui rumus paul lady dan teknik non probability sampling dengan pendekatan purposive sampling. Uji prasyarat analisis meliputi uji normalitas, uji multikolinearitas, dan uji heteroskedastisitas. Teknik analisis data dengan regresi linear berganda dan uji hipotesis meliputi uji t dan determinasi (R2). Hasil penelitian ini menunjukkan bahwa Pengetahuan Keuangan berpengaruh positif dan signifikan terhadap Perilaku Manajemen Keuangan pada Masyarakat di Kabupaten Sumbawa, Sikap Keuangan berpengaruh positif dan signifikan terhadap Perilaku Manajemen Keuangan.
Peningkatan Literasi Keuangan Pada Remaja Di SMKN 3 Sumbawa Oktapiani, Serli; Fietroh, Muhammad Nur; Nurasia, Nurasia; Hartini, Hartini; Sugiarto, Aris; Santoso, Agus; Salam, Abdul; Wirentake, Wirentake; Nuryani, Hanifah Sri; Andriani, Sri; Busman, Sherwin Ary; Ananda, Nova Adhitya
TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Vol 3, No 3 (2023): Desember
Publisher : UNIVERSITAS MUHAMMADIYAH MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/transformasi.v3i3.20488

Abstract

Literasi keuangan menggambarkan kemampuan seseorang dalam mengelola keuangannya secara bijak hingga tercipta merdeka finansial. Merdeka finansial akan terwujud dengan membiasakan budaya menabung dan investasi sedini mungkin. Namun, remaja sebagai generasi muda di Indonesia khususnya secara umum belum memiliki tingkat literasi yang baik. Tujuan dari pengabdian ini untuk memberikan pengetahuan kepada remaja khususnya para siswa-siswi di SMKN 3 Sumbawa Besar tentang pentingnya literasi keuangan. Metode pelaksanaan berupa sosialisasi dan workshop dengan memberikan materi, ceramah, dan diskusi/tanya jawab yang dilakukan secara offline. Hasil dari kegiatan ini yaitu siswa-siswi di SMKN 3 Sumbawa Besar belum cukup memiliki tingkat literasi keuangan yang baik hal ini di tunjukkan dengan beberapa anak yang telah melakukan investasi namun dengan adanya kegiatan pengabdian ini mahasiswa bisa mengetahui mengenai literasi keuangan, trik dan tips investasi yang baik. Selain itu, kegiatan ini mampu memberikan peningkatan pemahaman tentang literasi keuangan sebesar 85% (mengalami kenaikan sebesar 25% dari sebelumnya)
Pengenalan Literasi Keuangan bagi Santri Pondok Pesantren: Membangun Generasi Melek Finansial Fietroh, Muhammad Nur; Aprirachman, Rozzy; Nurasia, Nurasia; Purnama, yuni; Salam, Abdul; Sanjani, Muhammad Rafi'i; Oktapiani, Sherli; Santoso, Agus; Busman, Sherwin; Nuryani, Hanifah Sri; Mandasari, Jayanti; Ananda, Nova Aditya; Cita, Fitria Permata; Andriani, Sri; Irawan, Edi; Sugiarto, Aris; NurJihadi, Muhammad; Rusni, Andi
Abdimas Indonesian Journal Vol. 4 No. 2 (2024)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.v4i2.554

Abstract

This community service aims to improve Islamic financial literacy among students of Al-Mutmainnah Islamic Boarding School. The methods used are material presentation, discussion, and Q&A. The materials presented include the definition of financial literacy and inclusion as well as Islamic financial literacy, its benefits, and types of Islamic financial products and services. The results of the activity show that the level of understanding of Islamic financial literacy among students has increased. Students also showed a high interest in learning and applying finance in everyday life. This activity is expected to help students manage their finances wisely, independently, and contribute to the development of the Islamic boarding school and community economy.
THE IMPACT OF CAR, LDR, BOPO, SIZE, AND NIM ON BANKS FINANCIAL PERFORMANCE Sugiarto, Aris; Sriyatun, Sriyatun
Ultima Management : Jurnal Ilmu Manajemen Vol 16 No 2 (2024): Ultima Management : Jurnal Ilmu Manajemen
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/manajemen.v16i2.3837

Abstract

Abstract- Banking Return on Assets (ROA) measures operational efficiency and profitability by measuring how well a bank uses its assets to generate cash. ROA is also influenced by macroeconomic conditions, related regulations, and the competitiveness of the banking sector. In an increasingly competitive market, banks must understand these phenomena to improve their profitability and competitiveness. This study seeks to examine the impact of the variables Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Costs and Operating Income (BOPO), bank size (SIZE), and Net Interest Margin (NIM) on Return on Assets (ROA). The study population comprises all conventional banks registered on the Indonesia Stock Exchange (IDX) from 2019 to 2023, totaling 47 banks. The employed sampling approach is total sampling, indicating that the entire population is surveyed, resulting in a sample size of 47 banks across a five-year period. The total data analysed in this study is 235. The employed analytical method is multiple linear regression, supplemented by traditional assumption checks encompassing normality, heteroscedasticity, multicollinearity, and autocorrelation assessments. Hypothesis testing uses t-statistics to evaluate partial regression coefficients and F-statistics to assess simultaneous effects, with a significance threshold of 5% (0.05). The study's results demonstrate that CAR, LDR, BOPO, SIZE, and NIM significantly influence ROA both partially, as the significance value (sig) is below 0.05, and simultaneously on ROA. Keywords: CAR; LDR; BOPO; SIZE; NIM
PENGARUH CITA RASA, KUALITAS PELAYANAN DAN WORD OF MOUTH TERHADAP KEPUTUSAN PEMBELIAN KEMBALI PADA USAHA SEBLAK DAPURAOS DI SUMBAWA Khairiyanov, Khadijah Rahma; Sugiarto, Aris
Jurnal Nusa Manajemen Vol. 2 No. 1 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 1 Maret  Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i1.225

Abstract

This study aims to examine the influence of taste, service quality, and word of mouth on repeat purchase decisions at Seblak Dapuraos. The research method used is quantitative with a causal associative approach. Data were collected through questionnaires distributed to 100 respondents who are customers of Seblak Dapuraos. Data analysis was performed using multiple linear regression. The results of the study show that service quality and word of mouth have a positive and significant effect on repeat purchase decisions, while taste does not have a significant impact. These findings highlight the importance of good service quality and positive recommendations from consumers as the main drivers in enhancing customer loyalty for repeat purchases. Although taste is an important factor, it is essential to consider local characteristics and consumer preferences to optimize the customer experience.
PENGARUH CITRA MEREK, GAYA HIDUP DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN IPHONE DIKALANGAN MAHASISWA UNIVERSITAS TEKNOLOGI SUMBAWA Alfiansyah, Dany; Sugiarto, Aris
Jurnal Nusa Manajemen Vol. 2 No. 2 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 2 Juli Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i2.273

Abstract

This research aims to examine the influence of brand image, lifestyle and product quality on iPhone purchasing decisions among Sumbawa University of Technology students. The sample in this study was selected using a purposive sampling technique, with a sample of 114 respondents. This research uses a quantitative approach with the Structural Equation Modeling - Partial Least Squares (SEM-PLS) data analysis method. The research results show that brand image has a positive and significant effect on purchasing decisions. Lifestyle has no influence on purchasing decisions. Meanwhile, product quality has a positive and significant influence on iPhone purchasing decisions among Sumbawa University of Technology students.
PENGARUH DESAIN PRODUK, PERSEPSI HARGA DAN CONTENT MARKETING TERHADAP KEPUTUSAN PEMBELIAN SMARTPHONE OPPO DI KOTA SUMBAWA Astari, Navila Riski; Sugiarto, Aris
Jurnal Nusa Manajemen Vol. 2 No. 2 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 2 Juli Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i2.283

Abstract

This study aims to test the influence of Product Design, Price Perception and Content Marketing on Oppo Smartphone Purchasing Decisions in Sumbawa City. This study uses a quantitative method with an associative approach. Determination of the sample using purposive sampling technique totaling 160 respondents who are people in Sumbawa City based on the Hair formula. Primary data processing using the Statistical Package for Social Science (SPSS) with the data analysis technique used is multiple linear regression. The results of this study obtained: Product Design has a significant positive effect on Oppo smartphone purchasing decisions in Sumbawa City. Price Perception has a significant positive effect on Oppo smartphone purchasing decisions in Sumbawa City. Content Marketing has a significant positive effect on Oppo smartphone purchasing decisions in Sumbawa City.
Penyuluhan Dampak Negatif Pinjaman Online di Desa Moyo: Membangun Resiliensi Ekonomi Masyarakat terhadap Praktik Rentenir Digital Hambali, Denny; Sugiarto, Aris; Sriyatun; Fitriani, Nurida; Jibrail, Ahmad; Muhammad Rizqi, Reza
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 4 No 1 (2025): JUNI: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/al-madani(jurnalpengabdianpadamasyarakat).v4i1.2167

Abstract

Technological developments have facilitated access to online lending services (pinjol), but behind this convenience lies many risks, especially for rural communities that have low financial literacy. This service activity was carried out in Moyo Village, Sumbawa Regency, with the aim of increasing community awareness about the dangers of illegal pinjol and building economic resilience against digital loan sharks. Through counseling methods, group discussions, case studies, and simulations, participants were given an understanding of the differences between legal and illegal pinjol, legal and social impacts, and how to manage finances wisely. The evaluation results showed a significant increase in participants' understanding, especially regarding the risks of high interest rates, intimidation, and data misuse. The program also successfully equipped the community with financial management strategies such as saving, budgeting, and avoiding excessive consumption. With this program, it is hoped that the people of Moyo Village can avoid digital debt and be more independent in managing their finances.
Uji Signifikansi Model Moderasi pada Pengaruh Struktur Modal dan Ukuran Perusahaan terhadap Nilai Perusahaan Sriyatun, Sriyatun; Sugiarto, Aris
Benefit: Journal of Bussiness, Economics, and Finance Vol. 3 No. 2 (2025): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v3i2.1190

Abstract

Penelitian ini bertujuan menganalisis pengaruh struktur modal (DER) dan ukuran perusahaan (SIZE) terhadap nilai perusahaan (PBV), dengan fokus pada peran moderasi ukuran perusahaan dalam memperkuat hubungan keduanya. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Structural Equation Modeling-Partial Least Square (SEM-PLS) untuk menguji hipotesis berdasarkan data laporan keuangan perusahaan Indeks LQ-45 di Bursa Efek Indonesia periode 2020–2024. Hasil penelitian menunjukkan bahwa struktur modal (DER) dan ukuran perusahaan (SIZE) memiliki pengaruh positif dan signifikan terhadap nilai perusahaan (PBV). Selain itu, ukuran perusahaan memperkuat hubungan antara struktur modal dan nilai perusahaan, dengan koefisien interaksi sebesar 0,882 (p < 0,05). Temuan ini menegaskan bahwa perusahaan besar lebih efektif memanfaatkan utang untuk meningkatkan valuasi pasar melalui ekonomi skala, diversifikasi risiko, dan akses pasar modal yang luas. Implikasinya, strategi pengelolaan struktur modal harus disesuaikan dengan skala usaha untuk optimalisasi nilai perusahaan.
Sinergi Dosen FEB UTS Mendorong Literasi dan Inklusi Keuangan Para Santri di Pesantren Sumbawa Rusni, Andi; Salam, Abdul; Aprirachman, Rozzy; Fietroh, Muhammad; Andriani, Sri; Purnama, Yuni; Sanjani, Muhammad Rafi'i; Nurjihadi, Muhammad; Irawan, Edi; Cita, Fitriah Permata; Nurasia, Nurasia; Oktapiani, Serli; Mandasari, Jayanti; Sugiarto, Aris; Nuryani, Hanifah Sri; Syahfitri, Diah Intan; Sari, Indah Fitriani
Abdimas Indonesian Journal Vol. 5 No. 1 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.v5i1.775

Abstract

This community service program at Pondok Pesantren Al-Mutmainnah aims to enhance conventional financial literacy and inclusion among santri (Islamic boarding school students) to equip them with the skills to manage personal finances wisely and independently. The method involved interactive material delivery using multimedia presentations, infographics, and educational videos, followed by discussion and Q&A sessions to reinforce understanding. Evaluation was conducted using pre-test and post-test questionnaires, showing a significant improvement with an average post-test score increase of 30 points compared to the pre-test. The discussion highlights that a participatory approach combined with visual media effectively improves santri’s knowledge, although challenges remain in understanding complex concepts such as investment and credit risk. The limited duration of the program also posed constraints on in-depth material coverage. Therefore, extended programs with longer duration and regular mentoring are necessary to ensure optimal internalization of financial attitudes and behaviors. Strengthening financial literacy is expected to contribute sustainably to the economic empowerment of the pesantren and the surrounding community.
Co-Authors Agus Santoso Aldri Frinaldi Alfiansyah, Dany Ananda, Nova Aditya Anwar Astari, Navila Riski Busman, Sherwin Busman, Sherwin Ary Cita, Fitria Permata Edi Irawan Fahlia Fathurrahman, Fadli Fietroh, Muhammad Fietroh, Muhammad Nur Fitriani, Nurida Hadiatullah Hambali, Denny Hardiansyah, Rian Hasanah, Asmi Mau’isatil Jibrail, Ahmad Khairiyanov, Khadijah Rahma Mandasari, Jayanti Maradita, Fendy Martadinata, Sudrajat Masruroh MASRUROH Muhammad Rizqi, Reza Nova Adhitya Ananda Nurasia, Nurasia Nurjihadi, Muhammad Nuryani, Hanifah Sri Oktapiani, Serli Oktapiani, Sherli Permatacita, Fitriah Purnama, Yuni Rozzy Aprirachman Rusni, Andi Sanjani, Muhammad Rafi'i Sari, Indah Fitriani Sofia Haq, Fela Fastabiq Sri Andriani Sriyatun Sriyatun Sriyatun, Sriyatun Sugeng, Santoso Syahfitri, Diah Intan