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All Journal Jurnal Reviu Akuntansi dan Keuangan Management and Economics Journal (MEC-J) AKTSAR: Jurnal Akuntansi Syariah BALANCE: Economic, Business, Management and Accounting Journal Cendekia : Jurnal Pengabdian Masyarakat BASKARA: Journal of Business and Entrepreneurship Community Development Journal: Jurnal Pengabdian Masyarakat International Journal Of Science, Technology & Management (IJSTM) Community Empowerment International Journal of Educational Research and Social Sciences (IJERSC) International Journal of Community Service Mujtama': Jurnal Pengabdian Masyarakat Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Ekonomi Bisnis Antartika Prosiding Seminar Nasional Unimus
Fajri, Mega Barokatul
Universitas Muhammadiyah Lamongan
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Pengaruh Pendapatan dan Gaya Hidup Terhadap Pengelolaan Keuangan Pada Ibu Rumah Tangga Maghfiroh, Lailatul Fitriana Khusliyah; Fajri, Mega Barokatul; Bait, Jennifer Farihatul; Mas’adah, Ninik
Jurnal Ekonomi Bisnis Antartika Vol. 1 No. 1 (2023): Juni 2023
Publisher : Antartika Media Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70052/jeba.v1i1.53

Abstract

Penelitian ini bertujuan untuk mengetahui serta menganalasis pendapatn dan gaya hidup secara langsung terhadap pengelolaan keuangan. penelitian ini menggunakan metode kuantitatif dengan mengambil objek pada ibu rumah tangga sebanyak 60 responden di Dusun Pamotan Desa Pamotan Kecamatan Sambeng Kabupaten Lamongan, Propinsi Jawa Timur. Sampel penelitian ini menggunakan teknik random sampling sehingga yang dijadikan sampel dalam penelitian ini  adalah data primer dan data sekunder, metode analisis yang digunakan adalah adalah analisis regresi linier berganda dengan bantuan perangkat lunak SPSS 20. Hasil dari penelitian ini menunjukkan bahwa : (1) Pendapatan memiliki positif terhadap pengelolaan keuangan. (2) Gaya Hidup memiliki pengaruh positif terhadap pengelolaan keuangan.   This study aimed to determine and analyze income and lifestyle directly on financial management. This study used a quantitative method by taking objects from housewives in Pamotan Hamlet, Pamotan Village, Sambeng District, Lamongan Regency, Province East Java. The sample of this study used a random sampling technique so that 60 respondents were used as the sample in this study. The data used in this study are primary data and secondary data, the method of analysis used is multiple linear regression analysis with the help of SPSS 20 software. The results from this research showed that: (1) Income has a positive influence on financial management. (2) Lifestyle has a positive influence on financial management.
Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies Fajri, Mega Barokatul; Rochmah, Sofi Machmudatul; Putro, Guruh Marhaenis Handoko; Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Syah, Imran
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22690

Abstract

The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.
Optimizing Digital Financial Inclusion to Achieve SDGs through Accelerating Womenpreneurs as Economic Empowerment Lailiyah, Elliv Hidayatul; Fajri, Mega Barokatul
MEC-J (Management and Economics Journal) Vol 8, No 3 (2024)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v8i3.29289

Abstract

The purpose of this study is to analyze and formulate strategies to optimize financial inclusion through womenpreneurs, because womenpreneurs can be economic empowerment so that the 2030 SDGs target can be achieved. Womenpreneurs can be actors who contribute significantly to economic development. However, womenpreneurs have a low financial inclusion index which will hinder the achievement of the SDGs target in 2030. This study uses a qualitative method with a case study approach to explore and obtain empirical evidence about strategies in optimizing digital financial inclusion in womenpreneurs. The subjects of this study were womenpreneurs from the Aisyiyah women's MSMEs group in Lamongan Regency, the head of regional leader of aisyiyah (PDA), the head of the cooperative and micro business office of Lamongan Regency and the head of the Industry and Trade office of Lamongan Regency. Data collection used interview and observation methods. Data analysis was carried out by means of data reduction, presentation of data conclusions and data verification. After the key data has been determined, the next step is to conduct an analysis using SWOT analysis and PEST analysis to formulate the strategy. There are two strategies formulated, first SOT Strategy provides full power, increases opportunities, and eliminates threats. Second, WOT Strategy fixes weaknesses, takes advantage of opportunities, and holds back threats.
Pelatihan Bilingual-Digital Marketing Produk Usaha Rumah Tangga sebagai Usaha Peningkatan Produk Jual TP-PKK BPWIR Desa Pucakwangi Mafruudloh, Naajihah; Fajri, Mega Barokatul; Rahmawati, Rizka Asna; Muchyidin, M Syaichul
Cendekia : Jurnal Pengabdian Masyarakat Vol 7 No 1 (2025): Juni
Publisher : LPPM UNIVERSITAS ISLAM KADIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/cendekia.v7i1.5874

Abstract

Industri Rumah Tangga (IRT) merupakan usaha dengan tujuan menaikan taraf ekonomi keluarga. Pada Kegiatan pengabdian kepada Masyarakat ini, pelatihan diberikan pada Mitra yakni Tim PKK BPWIR dan PRNA Desa Pucakwangi. Kegiatan Bilingual-Digital Marketing ini diikuti oleh 26 orang dari organisasi masyarakat, yakni PKK dan PRNA yang terlibat pada industri rumah tangga. Industri yang dijalankan yakni PIRT (Pangan Industri Rumah Tangga), Garmen atau pakaian, serta jasa berupa kursus atau layanan kesehatan lainnya. Metode yang digunakan pada kegiatan ini adalah observasi, pelatihan, dan workshop atau praktek secara langsung. Hasil dari kegiatan ini adalah Mitra mampu melakukan teknik fotografi produk yang tepat, mampu menyusun atau membuat label produk yang menarik konsumen, serta kemampuan dalam menjalankan toko online atau digital marketing guna memperluas jangkauan konsumen dan jumlah jual produk. Sehingga selain menjalankan usaha secara konvesnional, mitra juga mampu menjalankan usaha secara digital guna memenuhi kebutuhan konsumen. Kegiatan ini didanai oleh Hibah Internal Tahun 2024 Universitas Muhammadiyah Lamongan dengan skema Pengabdian kepada Masyarakat (PkM).
Empowering PKK Mothers in Klagensrampat Village: Accelerating income through ASMAN TOGA management Fajri, Mega Barokatul; Bait, Jennifer Farihatul; Pratiwi, Elasari Dwi
Community Empowerment Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.12552

Abstract

The purpose of this community service is to empower PKK mothers in Klagensrampat Village, Maduran District, Lamongan Regency, through the "Income Acceleration Through ASMAN TOGA Management" program. This program aims to increase participants' knowledge regarding the classification and function of TOGA plants, as well as encourage product innovation using TOGA as raw materials. The stages of the activity include training and mentoring as well as monitoring and evaluation. This training is provided with materials on classifying types of toga and their properties, creating innovative products, packaging design materials and digital marketing. The results of this activity show an increase in participants' knowledge and skills, especially in creating new products that are innovative and have high selling value. This activity has succeeded in creating products that have the potential to be marketed internationally, including herbal medicine in the form of liquid drinks (temulawak and turmeric), herbal medicine powder (ginger and lemongrass), and gummy candy (temulawak and lime). In addition, participants also gain an understanding of how to design attractive packaging and logos, as well as effective digital marketing strategies. The target partners showed very active and enthusiastic participation during the mentoring process.
Customer Relationship Management (CRM) Training in Increasing Business Sales During the Covid-19 Pandemic: Customer Relationship Management (CRM) Training in Increasing Business Sales During the Covid-19 Pandemic Hakim, Adi Lukman; Fajri, Mega Barokatul; Faizah, Erna Nur
International Journal Of Community Service Vol. 1 No. 2 (2021): August 2021 (Indonesia - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v1i2.33

Abstract

The Covid-19 pandemic demands that businesses go digital. Not only products must be marketed through technology, but the way of communication with consumers must also be arranged systematically to stabilize income. Among a number of tools designed to answer customer retention demands, CRM software was chosen because this tool can accommodate consumer data, business data, track consumer interactions, and track company prospects. The purpose of this activity is to conduct training and assistance in implementing Customer Relationship Management in increasing sales during the pandemic. This method uses a descriptive qualitative approach with training design in using Customer Relationship Management software. Instruments in the form of learning experience and literature study. This community partnership program involves business start-ups within the Muhammadiyah University of Lamongan, especially students majoring in Accounting and Management. The results of this study indicate that the application of CRM has an effect as an effort to increase business sales during the pandemic with a series of strategic CRM processes, operational CRM, analytical CRM. Essentially, both upper, middle, and even lower customers need good and quality service, it's just that the levels are different. When start-up actors apply the right and good CRM, it will automatically increase customer satisfaction which has an impact on increasing business sales.
Village Economics Acceleration: Evaluation of Business Strategy Schemes in The Retail Business Fajri, Mega Barokatul; Rosiawan, Rizky Wahyudha; Bait, Jennifer Farihatul
BASKARA : Journal of Business and Entrepreneurship Vol. 7 No. 2 (2025): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

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

Abstract

Lamongan Regency's economic growth 2020 decreased from 5.5 percent to -2.26 percent, so the district government tried to boost the regional revenue growth rate through BUMDes (Village Owned Enterprises). The Village Community Empowerment Service (PMD) established LA Mart as a local retail business managed by BUMDes in 2018. The existence of LA Mart is a strategic step to accelerate the movement of the village economy. Among the many LA Marts that have been established since being initiated in 2018, there are only five LA Marts that have survived and exist throughout the Lamongan district today. This study aims to evaluate the current business strategy of LA Mart and provide solutions in the form of updating relevant strategies by LA Mart. Data collection methods used in this research include interviews, document analysis, and observation. The data analysis used is a qualitative descriptive analysis by evaluating and comparing the strategies used, using a business strategy approach including Business Model Canvas (BMC), Value Chain, and Porter's Five Generic Strategy at LA Mart in Lamongan. The results of this study showed that the current LA Mart business has used a combination strategy between low prices and differentiation strategies. LA Mart can indirectly increase the market share of the village economy and provide opportunities for the community and MSMEs to innovate and produce competitive products.
An Evaluation of Stock Fair Value Using Fundamental and Technical Analysis with DDM and PER Approaches Fajri, Mega Barokatul; Hidayatul Lailiyah, Elliv; Rafikah Zulyanti, Noer; Syah, Imran; D. Oktanti, Ellen
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.930

Abstract

For an investor, it is very important to conduct a stock valuation before making a transaction because stock valuation is a form of rationalization for an investor in making investment decisions. The purpose of this study itself is to evaluate the intrinsic value of PT Indofood Sukses Makmur Tbk (INDF) shares using two approaches, namely fundamental analysis and technical analysis. In fundamental analysis, economic, industry, and company analyses are carried out. The fundamental analysis methods used are the dividend discount model (DDM) and price-earnings ratio (PER), while technical analysis is carried out using moving average indicators and the relative strength index. The results of this study indicate a relatively strong trend in the Indonesian economy and a fairly strong resilience in the face of trade wars. In terms of industry, INDF continues to experience growth both in terms of sales and in terms of net profit. And the results of calculations using the DDM and PER methods show that the INDF share price has an intrinsic value that is much higher than the value of shares in the market, so it can be concluded that INDF shares are classified as undervalued. And in terms of technical analysis, the intrinsic value of INDF shares is in the price range of IDR 6,500 to IDR 7,250. From this analysis, it indicates that the current stock value in the market is low and still has the potential to be purchased because of its higher intrinsic value.
Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Financial Technology Terhadap Kinerja UMKM Di Kabupaten Bojonegoro Agustino, Muhammad Rizqi; Fajri, Mega Barokatul; Kustaji, Kustaji; Pratama, Reza Anggara
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.13510

Abstract

Kesulitan UMKM mengakses pinjaman, lembaga keuangan, termasuk kurangnya literasi keuangan dan inklusi keuangan, menjadi penyebab terhambatnya pertumbuhan UMKM dikarenakan akses modal terbatas. Kabupaten Bojonegoro memiliki 86.820 UMKM. Usaha mikro sebanyak 76.695, usaha kecil 9.143, dan usaha menengah sebanyak 982. Potensi UMKM harus dapat dimanfaatkan agar ekonomi daerah tetap stabil dan tidak bergantung pada satu industri. Tujuan penelitian ini untuk mengetahui pengaruh literasi keuangan inklusi keuangan, financial technologi berpengaruh signifikan untuk kinerja UMKM. Metode penelitian adalah kuantitatif dengan jenis eksplanatori terdiri dari 3 variabel dependen dan 1 variabel independen. Dengan jumlah sampel 200 UMKM. Hasil dari penelitian ini yaitu variabel inklusi (X2) dan penggunaan financial technology (X3) berpengaruh positif dan signifikan terhadap kinerja UMKM, sedangkan variabel literasi keuangan (X1) berpengaruh negative dan tidak signifikan terhadap kinerja UMKM. Dengan demikian, untuk meningkatkan kinerja, UMKM memerlukan kemudahan akses dalam perolehan pinjaman dan penggunaan teknologi untuk mencari pinjaman.
Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies Fajri, Mega Barokatul; Rochmah, Sofi Machmudatul; Putro, Guruh Marhaenis Handoko; Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Syah, Imran
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22690

Abstract

The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.
Co-Authors Abdul Majid Abdullah, Addina Haque Adi Lukman Hakim Adi Lukman Hakim Agustino, Muhammad Rizqi Assadam, Elvina Bait, Jennifer Farihatul Devi Febrianti Devi Ristian Octavia ELASARI DWI PRATIWI, ELASARI DWI Elliv Hidayatul Lailiyah Erna Nur Faizah Faizah, Erna Nur Guruh Marhaenis Handoko Putro Hakim, Adi Lukman Ira Megasyara Irianto, Ellen D. Oktanti Jennifer Farihatul Bait Mafruudloh, Naajihah Maghfiroh, Lailatul Fitriana Khusliyah Mas’adah, Ninik Muchyidin, M Syaichul Noer Rafikah Zulyanti Pratama, Reza Anggara Primanitha Ria Utami Putro, Guruh Marhaenis Handoko Rafikah Zulyanti, Noer Rahmawati, Rizka Asna Rizky Wahyudha Rosiawan Rizky Wahyudha Rosiawan Rochmah, Sofi Machmudatul Salma Nur Azizah Syah, Imran Wihandaru, Wihandaru