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All Journal Jurnal Manajemen Jurnal Ilmu Ekonomi dan Pembangunan Social, Humanities, and Educational Studies (SHEs): Conference Series Sebelas Maret Business Review Kumawula: Jurnal Pengabdian Kepada Masyarakat West Science Journal Economic and Entrepreneurship Velocity: Journal of Sharia Finance and Banking Indonesian Journal of Applied Accounting and Finance RESWARA: Jurnal Riset Ilmu Teknik Economics Note
Damayanti, Rosita Mei
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Literasi Keuangan dan Perilaku Perencanaan Keuangan Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo Pramesti, Diah; Martini, Endang; Damayanti, Rosita Mei; Rosdaliva, Mehilda; Ayuninggar, Lintang
Social, Humanities, and Educational Studies (SHES): Conference Series Vol 8, No 3 (2025): Social, Humanities, and Educational Studies (SHEs): Conference Series
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/shes.v8i3.107261

Abstract

This study aims to examine financial literacy and financial planning behavior among housewives in Kelurahan Gentan, Baki, Sukoharjo. A survey conducted by the Financial Services Authority (OJK) indicates that financial literacy among housewives remains lower than financial inclusion, which may influence household financial planning. This research adopts a descriptive quantitative approach, utilizing primary data collected through questionnaires. The study population comprises housewives residing in Kelurahan Gentan, Baki, Sukoharjo, with a sample of 85 respondents selected using random sampling. The data were analyzed using descriptive statistics. The findings reveal financial literacy through behaviors such as saving, borrowing from financial institutions, and investing. However, there are inconsistencies in expense recording and a lack of investment activity. Although financial planning is generally practiced, it remains inconsistent. These findings highlight the importance of empowerment and mentoring programs for women, particularly housewives, in financial management.Penelitian ini bertujuan untuk mengetahui literasi keuangan dan perilaku perencanaan keuangan pada Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Survey OJK menunjukkan literasi keuangan pada Ibu Rumah Tangga masih lebih rendah dibandingkan inklusinya, sehingga dapat berpengaruh pada perencanaan keuangan keluarga. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan sumber data primer yang diperoleh menggunakan kuesioner. Populasi dari penelitian adalah Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Sampel sebanyak  85 orang dengan metode random sampling dengan teknik analisis menggunakan statistik deskriptif. menunjukkan literasi keuangan dari perilaku menabung, meminjam uang dari lembaga keuangan dan melakukan investasi. Namun, masih terdapat pencatatan pengeluaran yang belum konsisten, serta belum melakukan investasi. Perencanaan keuangan keluarga sendiri sudah banyak dilakukan namun belum konsisten. Hal ini memberikan gambaran pentingnya program pemberdayaan dan pendampingan perempuan, khususnya Ibu Rumah Tangga dalam pengelolaan keuangan.
The implementation of a balanced scorecard perspective to SMEs performance Damayanti, Rosita Mei; Utami, Eva Yuniarti; Pramesti, Diah; Yuninata, Dama; Pratama, Rohmawan Adi; Pratama, Versiandika Yudha
Sebelas Maret Business Review Vol 8, No 2 (2023): December 2023
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v8i2.81155

Abstract

This paper aims to investigate the impact of implementing the balanced scorecard perspective on the performance of micro, small, and medium enterprises (SMEs) in the F&B, fashion, craft, and services sectors in Central Java and Yogyakarta. A total of 170 respondents participated in the online and offline survey, and after removing incomplete data, 164 observations were analysed. The balanced scorecard perspective, consisting of financial, customer, internal process, and organizational learning and growth perspectives, was used as an independent variable, while performance was used as a dependent variable. The research also included digitalization and control variables such as gender, education sector, and size of SMEs. The results suggest that customer satisfaction and loyalty significantly affect SMEs’ performance and profitability. Testing the implementation of the balanced scorecard across various sectors, the research finds that its effects are not significant in sectors such as fashion, craft, services, and others sectors. The research recommends emphasizing the importance of maintaining a positive relationship with customers to increase revenue and profitability. Though financial and learning variables did not have significant effects, SMEs should still consider them as they may lead to customer satisfaction.
Co-Authors Ambarwati, Valents Carollina Yuliani Anggraini, Viona Mega Ayuninggar, Lintang Christiawan, Jaguar Dwi Pratama Diah Pramesti Endang Martini Hadi, Anjasmara Pratama Kumalaningrum, Vania Debby Lopez, Juan Camilo Martin, Endang Moch Faizhal Dzaky Pramest, Diah Pramesti, Diah Prameswary, Melinda Intan Pratama, Rohmawan Adi Putra, Rizky Mahendra Rosdaliva, Mehilda Safira, Laras Saputri, Saifa Syah Aris Sukmawan, Cesar Adhin Utami, Eva Yuniarti Versiandika Yudha Pratama Yulianti, Deva Putri Yuninata, Dama Zheng, Yingqin