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All Journal Jurnal Mirai Management Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Journal of Economic, Bussines and Accounting (COSTING) Adi Widya : Jurnal Pengabdian Masyarakat Jurnal Aplikasi Bisnis JURNAL EDUCATION AND DEVELOPMENT Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen JURNAL MUTIARA AKUNTANSI Value: Jurnal Manajemen dan Akuntansi Global Financial Accounting Journal Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Mattawang: Jurnal Pengabdian Masyarakat Interdisciplinary Social Studies JCOMENT (Journal of Community Empowerment) Jurnal Pengabdian Masyarakat Bestari (JPMB) Dedikasi: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Innovative: Journal Of Social Science Research Majalah Ilmiah METHODA JER Dinamika Sosial: Jurnal Pengabdian Masyarakat Dan Transformasi Kesejahteraan
Paramitalaksmi, Ratri
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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FINANCIAL BEHAVIOR: FINANCIAL LITERACY, FINANCIAL INCLUSION, LIFESTYLE, AND LOCUS OF CONTROL Raindra, Nadya Nur; Paramitalaksmi, Ratri
JURNAL MUTIARA AKUNTANSI Vol. 9 No. 2 (2024): Jurnal Mutiara Akuntansi
Publisher : UNIVERSITAS SARI MUTIARA INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51544/jma.v9i2.5556

Abstract

Not only the younger generation out there, at Universitas Mercu Buana Yogyakarta alone, many students access financial services, especially QRIS as one of the non-cash payment methods. This level of ease in accessing financial services allows students to fulfill their lifestyle. This study aims to determine whether financial literacy, lifestyle, and financial inclusion of undergraduate accounting students at Mercu Buana University Yogyakarta also have a significant effect on the personal financial behavior of each student. This study uses the strata method in quantitative research through distributing questionnaires. The population of this study were students of Universitas Mercu Buana Yogyakarta, class of 2021-2023. The sample chosen to be the sample in this study is the Gen Z group which is financially and each generation has different financial habits. This study shows the first result, that financial literacy does not affect financial behavior, financial inclusion affects financial behavior, lifestyle does not affect financial behavior, and locus of control affects financial behavior. However, together, financial literacy, financial inclusion, lifestyle, and locus of control affect financial behavior. for generation Z, in this current era, they must understand more about finance and deepen financial literacy. This financial literacy can help Generation Z to understand more about finance. The wise use of financial inclusion can also affect the financial behavior of each person. The current lifestyle of generation Z greatly affects financial behavior. Financial behavior in each generation Z person can be controlled by self-awareness carried out by oneself.
ANALISIS EFISIENSI ANGGARAN PASCA PENGGABUNGAN SATUAN KERJA PEMERINTAH: INVESTIGASI PADA UPT BALAI PELESTARIAN KEBUDAYAAN WILAYAH X Wulandari, Umi; Paramitalaksmi, Ratri
JURNAL MUTIARA AKUNTANSI Vol. 9 No. 2 (2024): Jurnal Mutiara Akuntansi
Publisher : UNIVERSITAS SARI MUTIARA INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51544/jma.v9i2.5586

Abstract

Tujuan dari penelitian ini adalah untuk mengukur efektisiensi penggunaan dana pada salah satu instansi pemerintah yang melaksanakan pengelolaan keuangan pasca penggabungan, yaitu UPT Balai Pelestarian Kebudayaan Wilayah X. Objek Penelitian adalah data sekunder yang tersedia berupa data internal yang diperoleh secara langsung dengan dokumentasi dari UPT Balai Pelestarian Kebudayaan Wilayah X. Data yang diperoleh dari pengumpulan tersebut kemudian diolah dengan menghitung capaian kinerja, efisiensi, dan nilai efisiensi dengan menggunakan rumus dalam Peraturan Menteri Keuangan Nomor 22/PMK.02/2021. Berdasarkan hasil penelitian menunjukkan bahwa pelaksanaan anggaran UPT Balai Pelestarian Kebudayaan Wilayah X selama tahun 2023 dilakukan secara sangat efisien dibandingkan dengan UPT yang sebelum dilakukan penggabungan satuan kerja. Pelaksanaan anggaran tahun 2022 pada masing-masing UPT sebelum dilakukan penggabungan pada UPT Balai Pelestarian Cagar Budaya Daerah Istimewa Yogyakarta  dan UPT Balai Pelestarian  Cagar Budaya Jawa Tengah dalam kategori cukup efisien, sedangkan pada UPT Balai Pelestarian Nilai Budaya Daerah Isitimewa Yogyakarta dalam kategori efisien. Pelaksanaan anggaran tahun 2023 masa awal penggabungan menjadi Balai Pelestarian Kebudayaan Wilayah X dalam kategori sangat efisien. Faktor-faktor yang mempengaruhi nilai efisiensi pengelolaan anggaran tersebut adalah realisasi capaian keluaran kegiatan dan realisasi anggaran. Realisasi capaian keluaran yang tinggi dan realisasi anggaran yang rendah akan menunjukkan pengelolaan anggaran yang efisien. Hasil penelitian menunjukkan bahwa UPT Balai Pelestarian Kebudayaan Wilayah X perlu meningkatkan efisiensi pada tahun-tahun mendatang dengan jumlah kegiatan jumlah kegiatan yang dilakukan dibandingkan dengan jumlah kegiatan yang direncanakan, serta memanfaatkan anggaran secara efisien.
PENGARUH PRODUK FINANCING TERHADAP TINGKAT PROFITABILITAS PADA BANK SYARIAH DI INDONESIA PERIODE TAHUN 2019-2022 Syahputra, Adji; Paramitalaksmi, Ratri
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 03 (2025): Vol. 5 No. 03 (2025): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i03.1372

Abstract

Abstrak tujuan penelitian ini adalah untuk menganalisis pengaruh produk financing terhadap tingkat profitabilitas pada Bank umum Syariah di Indonesia periode tahun 2019-2022. Sampel dalam penelitian ini menggunakan 8 Bank Syariah yang terdaftar di Bank Indonesia peridode tahun 2019-2022 yang di ambil dengan menggunakan metode porpusive Sampling. Faktor-faktor ini kemudian dapat di uji menggunakan ignifikasi 0,05. Hasil penelitian ini mengidenfikasi bahwa pembiayaan mudharaba, pembiayaan musyarakah, pembiayaan ijarah tidak berpengaruh terhadap tingkat profitabilitas pada Bank Umum Syariah di Indonesia periode tahun 2019-2022.
Budgeting and Bookkeeping Assistance for MSMEs Women Entrepreneurs in Banguntapan, Bantul, Yogyakarta: Pendampingan Penganggaran dan Pembukuan pada Pengusaha Wanita UMKM Banguntapan, Bantul, Yogyakarta Paramitalaksmi, Ratri; Airawaty, Diana
Mattawang: Jurnal Pengabdian Masyarakat Vol. 4 No. 4 (2023)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.mattawang2373

Abstract

This community service aims to provide education on budgeting and order in the preparation of good MSME financial statements. Our partners in this charity activity are PKK mothers from Padukuhan Mertsanan Kulon, Banguntapan, Bantul. These PKK members are housewives with relatively low income and educational background, so their awareness of financial reporting and budgeting tends to be considered trivial and confusing. But actually these PKK members run various types of simple MSMEs such as laundry, bakery, and others, although the management has not been improved. The problem is that entrepreneurship is still unstable (can suddenly quit a job), and the budget (finance) and accounting systems do not yet exist. The strategies and techniques used in this community service include entrepreneurship presentations and budgeting and accounting training. The results achieved were entrepreneurship and understanding of budget (finance) and accounting systems to support various types of MSME business activities owned by PKK members from Padukuhan Mertsanan Kulon, Banguntapan, Bantul, Yogyakarta.
ANALYSIS OF FINANCIAL PERFORMANCE OF BPD DIY AND BANK BJB FOR THE 2017-2022 Aprilia, Angeline; Paramitalaksmi, Ratri
Majalah Ilmiah METHODA Vol. 14 No. 1 (2024): Majalah Ilmiah METHODA
Publisher : Universitas Methodist Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46880/methoda.Vol14No1.pp60-64

Abstract

This research aims to determine the comparison of financial performance between BPD DIY and Bank BJB (formerly: BPD Jabar) in the 2019-2022 period. This study used quantitative methods. Quantitative methods are applied to analyze financial ratios where data are presented in numerical form. From the results of the ROA calculation, it is known that BPD DIY banks operate much more efficiently than BPD BJB bank’s because the ROA value obtained is greater so that the bank's ability to generate profits is better. From the LDR calculation, it is known that BJB BPD bank has sufficient liquidity but may have lower income, while DIY BPD does not have enough liquidity to cover customer obligation. From the results of the CAR calculation, it can be seen that both banks have good financial system stability against possible risk of loss, with a minimum guarantee limit of 8%. This research is expected to be a reference for consideration to analyze the comparison of BPD DIY and Bank BJB and other banks in the future.
Pendampingan Pembukuan Laporan Keuangan Sederhana Pada UMKM Sektor Hospitality Naja Restiana, Diva; Paramitalaksmi, Ratri
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 4 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

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

Abstract

Tujuan Pengabdian ini adalah memberikan edukasi dan meningkatkan pemahaman bagi pelaku UMKM terkait urgensi ilmu akuntansi dalam menyusun pembukuan atas laporan keuangan suatu usaha. Pengabdian ini dilakukan karena dari ribuan sektor UMKM yang ada di Indonesia, hanya sebagian kecil pelaku usaha yang memiliki pengetahuan akan pentingnya keberadaan laporan keuangan terstruktur sesuai dengan standar akuntansi yang berlaku. Pencatatan pembukuan menjadi suatu permasalahan yang besar bagi pelaku UMKM karena ilmu pengetahuan akuntansi yang terbatas, proses akutansi yang dianggap rumit, serta opini yang menganggap bahwa laporan keuangan yang terstruktur bukan merupakan hal yang penting bagi pelaku UMKM. Kegiatan pengabdian bekerjasama dengan dua mitra UMKM pada sektor yang sama. Metode pemecahan masalah dimulai dengan wawancara, pelaksanaan kegiatan, dan evaluasi. Media perbaikan dan pendampingan yang digunakan adalah Buku Kwarto Kas dan software Microsoft Excel. Hasil pengabdian menunjukkan bahwa masing-masing mitra telah memahami mekanisme pencatatan transaksi dan penyusunan laporan keuangan sederhana yakni input transaksi penerimaan dan pengeluaran kas, serta penyusunan laporan keuangan.
Pelatihan Pembuatan Laporan Keuangan Sederhana Untuk Pokdarwis Jonge Raya Dengan Aplikasi SIAPIK Andi Candra, Yudas Tadius; Paramitalaksmi, Ratri
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 5 No. 1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v5i1.2656

Abstract

Pokdarwis Jonge Raya berperan vital dalam mengelola objek wisata Telaga Jonge sebagai upaya dalam menguatkan ekonomi masyarakat di dusun Kuwangen Lor, Kelurahan Pacarejo, Kecamatan Semanu. Meskipun Telaga Jonge memberikan dampak positif, Pokdarwis Jonge Raya menghadapi kendala manajemen keuangan. Kegiatan pengabdian masyarakat dilaksanakan untuk meningkatkan literasi keuangan dan pemanfaatan aplikasi keuangan digital, terutama SiApik, di kalangan anggota Pokdarwis Jonge Raya. Melalui serangkaian pelatihan, peserta diajarkan konsep akuntansi, laporan keuangan, dan pemanfaatan aplikasi SiAPIK, diikuti praktik penginputan transaksi dan pengelolaan keuangan bisnis. Evaluasi kegiatan mencerminkan peningkatan pemahaman literasi keuangan peserta, dengan hasil positif pada praktik penginputan transaksi dan pencetakan laporan keuangan. Hasil kegiatan menunjukkan keberhasilan dalam meningkatkan literasi keuangan dan pemanfaatan aplikasi keuangan di kalangan Pokdarwis Jonge Raya. Anggota Pokdarwis mulai menggunakan Aplikasi SiAPIK untuk melakukan pencatatan keuangannya dan membuat laporan rutin tiap bulan. Antusiasme peserta dan keberhasilan dalam praktik pengelolaan keuangan bisnis menjadi indikator positif kesuksesan kegiatan. Saran untuk tindak lanjut melibatkan pendampingan berkelanjutan, pelatihan tematik lanjutan, kerja sama dengan institusi keuangan lokal, pembentukan komunitas daring, dan penyelenggaraan forum tanya jawab berkelanjutan. Keseluruhan, kegiatan ini berhasil memberikan dampak positif dan peningkatan pemahaman serta keterampilan dalam pengelolaan keuangan kepada Pokdarwis Jonge Raya.
DETERMINANTS OF RESTAURANT TAXPAYER COMPLIANCE: AN EMPIRICAL STUDY IN ATAMBUA CITY INVOLVING SOCIAL CAPITAL, AWARENESS, AND TAX KNOWLEDGE Lauwingbara, Elsa; Paramitalaksmi, Ratri
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 2 (2025)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v14i2.3020

Abstract

Introduction: Compliance in paying taxes is an obligation that must be carried out. This study aims to analyze the effect of social capital, tax awareness, and tax knowledge on restaurant taxpayer compliance in Atambua City. Methods: By applying a quantitative approach and using multiple linear regression analysis, this study seeks to identify the extent to which these variables contribute to taxpayer compliance. Respondents used were 68 restaurant taxpayers in Atambua City. Sampling was done through cluster random sampling. The effect of independent variables on taxpayer compliance is evaluated using multiple linear regression analysis. Results: The results showed that social capital and tax knowledge had a significant effect on taxpayer compliance, while tax awareness had no significant effect. The findings indicate the importance of strengthening social networks and increasing tax literacy to improve restaurant taxpayer compliance in Atambua City. The local government of Atambua City is advised to increase education and socialization in order to support local tax compliance, especially for restaurant taxpayers.  Keywords: Social Capital, Tax Awareness, Tax Knowledge, Restaurant Taxes
Training on Preparing Technology-Based Financial Reports and Tax Filling for MSMEs at Samirono Area Omenu, Roberto B. T.; Paramitalaksmi, Ratri
Jurnal Pengabdian Masyarakat Bestari Vol. 3 No. 10 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jpmb.v3i10.12067

Abstract

This community service aims to improve the ability of MSMEs to prepare financial reports and tax fillings through the use of application technology. The program was carried out on two MSME partners located in the Samirono area, Sleman, DI Yogyakarta. The program implementation was carried out through observation, socialization, training, and evaluation methods. This activity lasted for 1.5 months for a total of 6 visits individually for each partner. The results of the service showed a significant increase in partners' ability to operate the Akuntasiku bookkeeping application for financial reporting and partners' understanding of the calculation of MSME Final Income Tax, NPWP ownership, and how to report the Annual Tax Return, which has implications for more professional and sustainable business management and tax compliance.
Comparative Analysis of Financial Performance of Bank BPD DIY And Bank Jateng For The 2019-2022 Period Wende, Maria Emerlinda; Paramitalaksmi, Ratri
Global Financial Accounting Journal Vol. 7 No. 2 (2023)
Publisher : Accounting Department, Faculty of Business and Management, Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/gfa.v7i2.8858

Abstract

This research aims to determine the comparison of financial performance between BPD DIY and Bank Jateng (formerly: BPD Jateng) in the 2019-2022 period. Research Method – This study uses descriptive analysis, this study uses financial ratio analysis tools, normality test, independent Sample T-test if the data is normally distributed, and Mann Whitney test if the data is not normally distributed. Findings - The conclusion of the research and discussion above, it can be said that Bank BPD DIY and Bank Jateng show significantly different financial performance as shown by the CAR ratio, while the ratio of NIM, ROA, NPL, and BOPO has no significant difference in financial performance. Implication – This research is expected to be a reference for consideration to analyze the comparison of BPD DIY and Bank Jateng and other banks in the future.
Co-Authors Airawaty, Diana Al Nufus, Hafiz Amelianda, Amelianda Andi Candra, Yudas Tadius Aprilia, Angeline Artha, Bhenu Asih, Avid Tri Astuti, Wuku bakade, Salwa Indah Susilawati Januartha, Fulgentius Lambertus Lauwingbara, Elsa Maharani, Desak Putu Martinus Budiantara, Martinus Meo, Maria Yunita Naja Restiana, Diva Nugraeni Nugraeni Omenu, Roberto B. T. Paga, Agnes Kristiana Papa, Yohanes Rivaldo Saru Raindra, Nadya Nur Rochmad Bayu Utomo Sajidah, Kholilah Syahputra, Adji Titik Desi Harsoyo, Titik Desi Tutut Dewi Astuti Wende, Maria Emerlinda Widyastuti, Riris Retno Wulandari, Umi Yusriva, Salma