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All Journal Jurnal Ekonomi Modernisasi JURNAL KEBANGSAAN Jurnal Sosioteknologi Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Technomedia Journal Journal of Secretary and Business Administration OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi JIKA: Jurnal Ilmu Keuangan dan Perbankan Almana : Jurnal Manajemen dan Bisnis Journal of Innovation in Business and Economics The International Journal of Business Review (The Jobs Review) eCo-Buss Jurnal E-Bis: Ekonomi Bisnis JIIP (Jurnal Ilmiah Ilmu Pendidikan) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Ekonomi JDEP (Jurnal Dinamika Ekonomi Pembangunan) Jurnal ADAM : Jurnal Pengabdian Masyarakat International Journal of Accounting & Finance in Asia Pasific Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Enrichment: Journal of Multidisciplinary Research and Development Journal of Business Management and Economic Development Journal of Community Service and Society Empowerment Jurnal Akademik Pengabdian Masyarakat Government & Resilience Journal of Digital Community Services Multidisciplinary Indonesian Center Journal Jurnal Pengabdian Indonesia JAMARI : Jurnal Pengabdian Masyarakat Mandiri JAMARI : Jurnal Pengabdian Masyarakat Mandiri Jurnal Sekretaris & Administrasi Bisnis Journal of Social Science Utilizing Technology
Budi Rustandi Kartawinata
Universitas Telkom
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Pengaruh Pelatihan Penyusunan Laporan Keuangan Digital Terhadap Penghimpunan Investasi Modal Beserta Implikasinya Terhadap Kinerja Keuangan (Studi Kasus Pada Umkm Binaan Kadin Jabar Di Bandung) Budi Rustandi Kartawinata; R Susanto Hendiarto
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.8304

Abstract

Permasalahan saat ini adalah kinerja keuangan UMKM hampir seluruhnya buruk, modal juga minim, pengajuan pembiayaan ke bank banyak ditolak. Penelitian bertujuan mengetahui pengaruh pelatihan penyusunan laporan keuangan digital terhadap penghimpunan investasi modal, beserta implikasinya atas perform keuangan. Metode penulisan berupa metode survei deskriptif analitis, melalui sampel berjumlah 42 respondenyang terbatas pada UMKM Binaan Kadin Jabar di Bandung, jenis data yang dihimpun merupakan data primer, dengan demikian dilaksanakan penelitian berikutnya atas dasar penggunaan sampel ber variatif tinggi melalui durasi panjang, maka didapatkan output yang dapat digeneralisasikan. Kesimpulannya adalah pelatihan penyusunan laporan keuangan secara digital berpengaruh signifikan terhadap penghimpunan investasi modal, serta penghimpunan investasi modal berpengaruh signifikan terhadap kinerja keuangan.
PENGARUH PROMOSI TERHADAP KEPUTUSAN PEMBELIAN PRODUK FLOWERRY.FORIST Nuslih Jamiat; Nia Fitria Nurhalisa; Fauzan Aziz; Budi Rustandi Kartawinata
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i5.12376

Abstract

Di era digital saat ini, teknologi informasi berbasis internet berkembang pesat, dan banyak industri memanfaatkannya untuksebuah bisnis, termasuk media sosial sebagai alat promosi. Flowerry.forist menggunakan media sosial Instagram untukmemasarkan dan mengembangkan produknya, karena platform iniefektif dalam menjangkau konsumen. Namun, Flowerry.foristterdapat permasalahan dalam penjualan yaitu mengalamipenurunan penjualan produk. Berdasarkan pra-survei di awal, keputusan pembelian tersebut dipengaruhi oleh promosi. Penelitian ini bertujuan untuk mengetahui dan meneliti reaksipelanggan terhadap promo-promo yang diberikan oleh FlowerryForist. Dengan tipe penelitian deskriptif, penelitian inimenggunakan pendekatan kuantitatif. Dengan menggunakanpendekatan purposive sampling, metode non-probability sampling, total sampel yang digunakan sebanyak 100 responden. Pendekatan analisis data yang digunakan adalah regresi linier sederhana dan analisis deskriptif. Hasil penelitian deskriptifmenunjukan bahwa pengaruh promosi terhadap keputusanpembelian produk Flowerry.forist termasuk dalam katagori baik. Hasil penelitian menunjukkan bahwa Promosi yang dilakukanoleh Flowerry.Forist secara keseluruhan termasuk dalam kategori"baik" dengan persentase sebesar 79,58%. Namun, di antaraindikator-indikator pernyataan mengenai variabel promosi (X), indikator promosi penjualan memiliki rata-rata skor terendahdengan persentase 75,9%, yaitu pada pernyataan "Flowerry.Foristselalu memberikan potongan harga" dan "Flowerry.Forist selalumenyediakan promo yang menarik. Dengan persentasekeseluruhan sebesar 83,66%, pembelian yang dilakukanpelanggan terhadap Flowerry.Forist termasuk dalam kategori"baik". Berdasarkan hasil perhitungan koefisien determinasivariabel promosi dengan keputusan pembelian diperoleh hasilsebesar 46,4% dan sisanya dipengaruhi oleh faktor lainnya yang tidak termasuk pada penelitian ini.
Pengaruh Financial literacy, Financial confidence, dan Locus of Control Eksternal Terhadap Personal Finance Management Wijayanti, Nur; Kartawinata, Budi Rustandi
Technomedia Journal Vol 8 No 1 Juni (2023): TMJ (Technomedia Journal)
Publisher : Pandawan Incorporation, Alphabet Incubator Universitas Raharja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/tmj.v8i1.1936

Abstract

Tingkat konsumtif pada generasi muda termasuk mahasiswa semakin meningkat dipengaruhi dengan adanya sosial media. Hal ini terjadi karena kurangnya pengetahuan mahasiswa akan pengelolaan keuangan dengan baik. Untuk itu mahasiswa harus meningkatkan literasi keuangan dan kepercayaan diri baik dari diri sendiri maupun faktor yang tidak dapat dikendalikan oleh diri mereka dalam manajemen keuangan pribadi. Data dari hasil pra-survey menunjukkan personal finance management, financial literacy rata-rata baik, sedangkan variabel financial locus of control eksternal cenderung rendah. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, financial confidence, dan locus of control eksternal terhadap personal finance management (objek studi pada mahasiswa di Jawa Timur). Populasi pada penelitian ini yaitu mahasiswa yang sedang menempuh pendidik perguruan tinggi di Jawa Timur. Sampel yang digunakan dalam penelltian ini sebanyak 400 responden mahasiswa Jawa Timur. Metodel dalam penelitian ini dengan kuesioner yang disebar secara acak diberbagai kota atau kabupaten di Jawa Timur. Dari hasil analisis menggunakan SPSS 25. Metode analisis data menggunakan deskriptif dna metode kuantitatif dengan analisis Regresi Linear Berganda. Uji-t digunakan untuk menguji hipotesis secara parsial, sedangkan uji-F digunakan untuk menguji hipotesis secara simultan. Berdasarkan hasil penelitian terdapat pengaruh signifikan antara financial literacy, financial confidence, dan locus of control eksternal terhadap personal finance management. Tingkat konsumtif pada generasi muda termasuk mahasiswa semakin meningkat dipengaruhi dengan adanya sosial media. Hal ini terjadi karena kurangnya pengetahuan mahasiswa akan pengelolaan keuangan dengan baik. Untuk itu mahasiswa harus meningkatkan literasi keuangan dan kepercayaan diri baik dari diri sendiri maupun faktor yang tidak dapat dikendalikan oleh diri mereka dalam manajemen keuangan pribadi. Data dari hasil pra-survey menunjukkan personal finance management, financial literacy rata-rata baik, sedangkan variabel financial locus of control eksternal cenderung rendah. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, financial confidence, dan locus of control eksternal terhadap personal finance management (objek studi pada mahasiswa di Jawa Timur). Populasi pada penelitian ini yaitu mahasiswa yang sedang menempuh pendidik perguruan tinggi di Jawa Timur. Sampel yang digunakan dalam penelltian ini sebanyak 400 responden mahasiswa Jawa Timur. Metodel dalam penelitian ini dengan kuesioner yang disebar secara acak diberbagai kota atau kabupaten di Jawa Timur. Dari hasil analisis menggunakan SPSS 25. Metode analisis data menggunakan deskriptif dna metode kuantitatif dengan analisis Regresi Linear Berganda. Uji-t digunakan untuk menguji hipotesis secara parsial, sedangkan uji-F digunakan untuk menguji hipotesis secara simultan. Berdasarkan hasil penelitian terdapat pengaruh signifikan antara financial literacy, financial confidence, dan locus of control eksternal terhadap personal finance management.
Financial Literacy Series: Protect Your Family from Online Gambling Kartawinata, Budi Rustandi; Syarifuddin, Syarifuddin; Kuswanto, Arif; Wardhana, Aditya
Journal of Digital Community Services Vol. 2 No. 1 (2025): January
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/dcs.v2i1.23

Abstract

The community service initiative in Bandung City sought to alleviate the adverse effects of internet gambling on families, specifically targeting stakeholders at Taman Indria Kindergarten, including educators and parents. The program aimed to equip participants with the knowledge and resources to safeguard families against the widespread dangers of online gambling. The program employed workshops and instructional sessions to promote active participation, allowing attendees to recognize indicators of gambling addiction, improve financial literacy, and obtain assistance options. The study indicated a significant enhancement in participants' comprehension of family protection, with 88% exhibiting heightened awareness after the sessions. The report underscores the significant impacts of online gambling, encompassing financial instability, interpersonal disputes, and adverse effects on children. It underscores a comprehensive strategy to address these challenges, including financial literacy, enhanced controls on gambling platforms, and integrated support services for impacted families. The program's success was apparent in cultivating a cooperative atmosphere among schools, parents, and the community, thereby establishing a safer and healthier environment for children. This effort corresponds with Sustainable Development Goals (SDG #3), fostering well-being and resilience in communities. This project emphasizes the significance of collective action in protecting family welfare and future generations by tackling the root causes of online gambling addiction and empowering families via education and community assistance.
Financial Literacy Series: Financial Planning For Families in TK/POS PAUD Pandanwangi, Bandung City Kartawinata, Budi Rustandi; Wardhana, Aditya
Journal of Community Service and Society Empowerment Том 3 № 02 (2025): Journal of Community Service and Society Empowerment
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jcsse.v3i02.1781

Abstract

This study presents a community service initiative aimed at enhancing financial literacy among families associated with TK/POS PAUD Pandanwangi in Bandung City. Recognizing the critical role of financial planning in improving family financial well-being, the program targeted both parents and educators to foster responsible financial behavior from early childhood education settings. Employing a qualitative method, the program was conducted in two phases: planning through collaborative engagement with the community, and implementation through workshops and seminars addressing topics such as budgeting, saving, investment, and online gambling awareness. A total of 28 participants attended the session, and post-event evaluation revealed that 82% demonstrated improved understanding of financial planning principles. The findings highlight the effectiveness of tailored, community-based financial education in promoting economic empowerment. This initiative underscores the importance of integrating financial literacy into early education and the need for systemic support to ensure sustainable financial inclusion.
The Effect of the Use of Paylater Services on Consumption Patterns Mediated by Personal Money Management in Generation Z with Socioeconomic Factors as Control Variables Novarianty, Terisha Andra; Hidayat, Agus Maolana; Kartawinata, Budi Rustandi
Asian Journal of Management Analytics Vol. 4 No. 3 (2025): July 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v4i3.14762

Abstract

This study aims to analyze the influence of the use of paylater services on the consumption patterns of Generation Z with personal money management as a mediating variable and socioeconomic factors as a control variable. Using a quantitative approach, data was collected through questionnaires from 275 respondents, with 200 test-worthy data analyzed using the Structural Equation Modeling (SEM) method through SmartPLS. The results of the study show that the use of paylater services has a positive effect on consumption patterns, and this influence is significantly mediated by personal money management. Socioeconomic factors also affect consumption behavior. These findings support the advancement of financial literacy and risk management among Generation Z in the context of the digital age.
MATERIALISM AND IMPULSIVE BUYING: EVIDENCE OF BUY-NOW-PAY-LATER AS A MEDIATOR AMONG INDONESIAN CONSUMERS Rizki , Kurniady; Pradana, Mahir; Kartawinata, Budi Rustandi
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1098

Abstract

The rapid diffusion of Buy-Now-Pay-Later (BNPL) services has reshaped consumption in emerging economies. This article  examines how materialistic value orientations stimulate impulsive buying through BNPL usage among Indonesian PayLater users. A cross-sectional survey of 670 respondents was analysed with partial least-squares structural-equation modelling (PLS-SEM). Materialism had a strong positive effect on BNPL adoption (β = 0.762) and a moderate direct effect on impulsive buying (β = 0.350). BNPL, in turn, exerted a substantial impact on impulsive buying (β = 0.480) and partially mediated the materialism–impulsivity link (indirect β = 0.366). The model explained 65% of BNPL variance and 72% of impulsive buying variance, while exhibiting acceptable fit indices (SRMR = 0.035; NFI = 0.885). Findings highlight BNPL’s dual role as a financial innovation and a behavioural catalyst, raising implications for platform design, consumer literacy programmes, and regulatory oversight.
The Effect of Corporate Social Responsibility (CSR) on Financial Performance Kartawinata, Budi Rustandi; Apriano, Raditya
Almana : Jurnal Manajemen dan Bisnis Vol 8 No 2 (2024): August
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v8i2.2598

Abstract

Himbara Bank has a very significant role in driving economic growth, managing national assets, and providing sustainable financial services to the community. However, its role is not only limited to financial aspects but also holds social responsibility towards society and the environment. Therefore, it is important to understand the extent to which CSR can influence Bank Himbara's financial performance in this dynamic business environment. This research aims to find information on the effect of implementing Corporate Social Responsibility (CSR) on financial performance based on Return on Equity (ROE). In this research, the population used is banks included in the Association of State-Owned Banks (Himbara) for 2019-2022. The data analysis techniques used are descriptive statistical analysis and panel data regression analysis. Based on research results, Corporate Social Responsibility (CSR) did not have a significant effect on Return on Equity (ROE) in the Association of State-Owned Banks (Himbara) in 2019-2022.
Strategies to Improve Cooperative Efficiency and Performance Through the Integration of Financial Inclusion, Risk Ratios, and Non-Performing Loans Elfarida Waty, Virgine Untari; Hidayat, Agus Maolana; Rustandi Kartawinata, Budi
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 5 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i5.415

Abstract

This study examines strategies to improve cooperative efficiency and performance through the integration of financial inclusion (FI), debt-to-income ratio (DTI), loan-to-value ratio (LTV), individual liquidity (LIQ), and non-performing loan (NPL) control. Using data from 705 cooperative members, the research applies multiple linear regression, Sobel mediation test, and PROCESS Model 4 (Hayes, 2022). The results show that financial inclusion significantly reduces NPL (? = -0.401), while both DTI and LTV increase the risk of NPL. NPL acts as a partial mediator in the relationship between financial variables and cooperative performance. The study highlights that financial inclusion is the most significant protective factor against NPL, whereas LTV is the primary risk factor. These findings contribute to the cooperative management literature by providing empirical evidence of the mediating role of NPL and offering strategic recommendations for the sustainable development of cooperatives. By focusing on integrated risk management approaches, cooperatives can improve financial inclusion, reduce NPL risks, and enhance overall performance, ensuring long-term sustainability in the competitive financial landscape. This research underscores the importance of considering both financial inclusion and risk factors when managing cooperatives for improved operational outcomes.
MAINTAINING FAMILY PRIVACY AND SECURITY IN THE DIGITAL AGE Akbar, Aldi; Kuswanto, Arif; Rustandi Kartawinata, Budi
Jurnal Pengabdian Indonesia (JPI) Vol. 1 No. 2 (2025): Vol. 1 No. 2 Edisi Juli 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/jpi.v1i2.877

Abstract

This activity aims to provide parents and teachers of Pandanwangi PAUD with a basic understanding of the importance of maintaining privacy and security in the use of digital technology, as well as providing practical guidance on how to protect personal information and secure digital devices used by family members. The methods used in this educational activity are lectures, group discussions, and case simulations. The results of this educational activity show that the participants have a better understanding of the importance of maintaining family privacy and security in the digital era, are more aware of the risks in cyberspace and are able to identify and overcome these threats better. The conclusion of this activity is that education about digital privacy and security is very important to be given to the community, especially parents and teachers who have a big role in educating children.
Co-Authors Achmad Fariz Aditya Wardhana Aditya Wardhana Agung Raya Agung Raya Agus Maolana Hidayat Ahmad Maulana Lotian Ahmad, Mokhtarrudin Akhmad Yunani Aldi Akbar Aldi Akbar Apriano, Raditya Arif Kuswanto Aznul Fazrin Abu Sujak Bagus Novrianto Candra Wijayangka Citra, Khansa Fairuz Deden Witarsyah Diki Wahyu Nugraha Dyah Maharani Dyah Maharani Elfarida Waty, Virgine Untari Faqih Hamami Farida Fajar Hidayati Fauzan Aziz Fauzia Rahman Hanansa R Dabinda Hidayati, Farida Fajar Hidayati, Farida Fajar Hiendra Kurniawan I Nyoman Bontot Ika Nur Avinda Indah Kusprasetya Jasinda Salsabila Nugrahani Karyadi Mahendra Fakhri Mahir Pradana Mangsor, Miza Monika Yovita Muhammad Hasan Rabbani Muhammad Ikhwan Mubaraq Mutiara, Nidia Ananda Nia Fitria Nurhalisa Nidia Ananda Mutiara Novarianty, Terisha Andra Nuslih Jamiat Pratiwi, Oktaria Nurul Radinka Dynand Mahessara Razali, Raja Razana Raja Rizki , Kurniady Safitri, Annisa Salma Aprilia Siahaan, Theresia Yolaika Silvi Amisha Putri Sita Deliyana Firmialy Sujak, Aznul Fazrin bin Abu Susanto Hendiarto Syah Putra, Syah Syahputra Syahputra Syahputra, Syahputra Syarifuddin Syarifuddin Theresia Yolaika Siahaan Treshya Setya Maharani Wijayanti, Nur Zahid, Azham