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All Journal OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Penentuan harga obligasi dan teori tingkat bunga Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Ekobis: Jurnal Ilmu Manajemen dan Akuntansi International Journal of Economics, Management, Business, and Social Science International Journal of Community Service Jurnal Ekonomi Manajemen (JEM) Economics Professional in Action (E-Profit) Jurnal Lentera Pengabdian Jurnal Bhakti Karya dan Inovatif Jurnal Accounting Information System (AIMS) Jurnal Maps (Manajemen Perbankan Syariah) In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Commercium: Journal of Business and Management Involvement International Journal of Business Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis Annusfy
Agung Pramayuda
Program Studi Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Informatika Dan Bisnis Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Public Health Social Sciences Other

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Pentingnya Menabung dan Berivestasi di Usia Muda Musadat, Irfan Achmad; Pramayuda, Agung; Ningrum, Retno Widya
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 23 No 2 (2024): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v23i2.1022

Abstract

Pentingnya menabung dan berinvestasi di usia muda semakin mendapat perhatian seiring dengan meningkatnya kesadaran akan pengelolaan keuangan pribadi. Penelitian ini bertujuan untuk mengeksplorasi faktor-faktor psikologis yang mempengaruhi kebiasaan menabung dan berinvestasi di kalangan remaja dan dewasa muda. Dalam studi ini, digunakan pendekatan kuantitatif dengan survei terhadap mahasiswa Universitas Setia Budi Program Studi Psikologi. Hasil penelitian menunjukkan bahwa pengaruh sikap terhadap pengelolaan keuangan, pengetahuan tentang investasi, dan persepsi tentang masa depan berhubungan positif dengan kecenderungan untuk menabung dan berinvestasi. Selain itu, faktor motivasi intrinsik dan pendidikan keuangan memiliki peran penting dalam membentuk kebiasaan finansial yang sehat di usia muda. Penelitian ini diharapkan dapat memberikan wawasan mengenai pentingnya pendidikan keuangan sejak dini, serta mendorong kebiasaan menabung dan berinvestasi yang lebih baik di kalangan generasi muda.
Pengeloaan Keuangan di Era Digitalisasi Pada Mahasiswa Fakultas Psikologi Universitas Setiabudi Surakarta Pramayuda, Agung; Ningrum, Retno Widya; Musadat, Irfan Achmad
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 23 No 2 (2024): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v23i2.1024

Abstract

Good financial management is the key to achieving financial stability and realizing financial goals, by managing finances effectively. Financial management can be adapted to the current conditions of financial digitalization. Financial digitalization can refer to the use of digital technology in the financial industry which has now become a rapidly growing trend in Indonesia. Financial digitalization has great potential to increase access to financial services, simplify financial transactions, and encourage economic growth. By overcoming various existing challenges and risks, financial digitalization can be an effective tool for improving the welfare of Indonesian society. The method in this research uses PAR (Participatory Action Research) methodology with the aim of producing new knowledge in the context of solving problems or improving problem solving in practical life. The results of this PkM activity regarding financial management in the era of digitalization enable students from the Faculty of Psychology at Setia Budi University to know the basics of financial management, challenges in financial management, and the role of technology in financial transformation.
Pentingnya Financial Planning Bagi Milenial di Desa Tunggilis Kecamatan Kalipucang Kabupaten Pangandaran Musadat, Irfan Achmad; Rusnendar, Elan; Pramayuda, Agung
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 23 No 1 (2024): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v23i1.1036

Abstract

Pentingnya perencanaan keuangan (financial planning) semakin menjadi perhatian, terutama di kalangan generasi milenial. Penelitian ini bertujuan untuk menganalisis pemahaman, kebiasaan, dan tantangan yang dihadapi oleh generasi milenial di Desa Tunggilis, Kecamatan Kalipucang, Kabupaten Pangandaran, dalam menyusun perencanaan keuangan yang efektif. Penelitian menggunakan pendekatan kualitatif dengan metode observasi dan wawancara mendalam terhadap sejumlah responden berusia 20-35 tahun. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan di kalangan milenial desa tersebut masih rendah, dengan sebagian besar responden belum memiliki kebiasaan menyusun anggaran, menabung secara teratur, atau memahami pentingnya investasi untuk masa depan. Faktor utama yang mempengaruhi hal ini meliputi minimnya akses terhadap edukasi keuangan, budaya konsumtif, serta kurangnya pengetahuan mengenai instrumen keuangan modern. Penelitian ini merekomendasikan perlunya program edukasi keuangan yang terstruktur, seperti pelatihan dan seminar, untuk meningkatkan literasi keuangan generasi muda di daerah tersebut. Dengan perencanaan keuangan yang baik, generasi milenial di Desa Tunggilis diharapkan dapat lebih siap menghadapi tantangan ekonomi dan mencapai stabilitas keuangan di masa depan.
Pemanfaatan Digital Marketing Dalam Pengembangan Pemasaran Usaha Mikro Kecil Dan Menengah (UMKM) Rusnendar, Elan; Musadat, Irfan Achmad; Pramayuda, Agung
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 23 No 1 (2024): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v23i1.1037

Abstract

Digital marketing menjadi salah satu solusi strategis dalam menghadapi tantangan pemasaran bagi Usaha Mikro Kecil dan Menengah (UMKM) di era digital. Penelitian ini bertujuan untuk mengkaji pemanfaatan digital marketing dalam meningkatkan efektivitas pemasaran dan pertumbuhan UMKM. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan wawancara mendalam kepada pelaku UMKM serta analisis data sekunder dari literatur terkait. Hasil penelitian menunjukkan bahwa penggunaan platform digital seperti media sosial, marketplace, dan website dapat memperluas jangkauan pasar, meningkatkan interaksi dengan konsumen, serta menurunkan biaya pemasaran. Namun, tantangan seperti keterbatasan literasi digital dan infrastruktur masih menjadi hambatan utama bagi sebagian pelaku UMKM. Dengan implementasi strategi digital marketing yang tepat dan dukungan pelatihan, UMKM dapat meningkatkan daya saingnya di pasar domestik maupun internasional.
Pemanfaatan Media Digital Untuk Pemasaran Rusnendar, Elan; Musadat, Irfan Achmad; Pramayuda, Agung; Purnama, Susan
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 23 No 2 (2024): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v23i2.1038

Abstract

Pemanfaatan media digital untuk pemasaran menjadi strategi yang penting dalam era digital saat ini, terutama bagi Usaha Mikro, Kecil, dan Menengah (UMKM) yang berusaha memperluas jangkauan pasar dan meningkatkan daya saing. Digital marketing, yang meliputi penggunaan media sosial, website, dan platform e-commerce, memungkinkan UMKM untuk mempromosikan produk dengan biaya yang lebih rendah dan menjangkau konsumen yang lebih luas dibandingkan dengan metode pemasaran tradisional. Meskipun demikian, banyak UMKM yang masih menghadapi kendala dalam memanfaatkan media digital secara optimal, seperti keterbatasan pengetahuan digital, akses infrastruktur yang terbatas, dan minimnya pemahaman tentang strategi pemasaran yang efektif. Penelitian ini bertujuan untuk mengkaji potensi pemanfaatan media digital dalam pemasaran UMKM, tantangan yang dihadapi, serta solusi yang dapat diterapkan untuk meningkatkan efektivitas penggunaan media digital. Dengan pendekatan kualitatif, penelitian ini mengumpulkan data melalui wawancara dan observasi terhadap pelaku UMKM yang telah atau berencana menggunakan media digital. Hasil penelitian menunjukkan bahwa meskipun digital marketing menawarkan berbagai manfaat, seperti peningkatan visibilitas produk dan efisiensi biaya, UMKM masih memerlukan dukungan berupa pelatihan dan peningkatan infrastruktur untuk memaksimalkan potensi media digital. Berdasarkan temuan ini, penelitian ini memberikan rekomendasi strategis bagi UMKM untuk meningkatkan pemanfaatan media digital dalam pemasaran, termasuk pelatihan digital marketing, perbaikan akses teknologi, dan penggunaan platform media sosial yang tepat.
Belajar Investasi Saham untuk Pemula Edukasi Literasi Keuangan Bagi Siswa SMK Pasundan Majalaya Musadat, Irfan Achmad; Rusnendar, Elan; Pramayuda, Agung
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 23 No 2 (2024): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v23i2.1046

Abstract

This study aims to enhance students' financial literacy through education on stock investment. The research targets students of SMK Pasundan Majalaya, who are considered to have significant potential to understand investment concepts from an early age. The research method employed is a descriptive qualitative method with a participatory education approach. The educational activities include basic understanding of stocks, the workings of the capital market, risks, and investment strategies for beginners. The results of the study indicate that this education significantly improves students' understanding of stock investments, making them more aware of the importance of financial management and investment as a step toward future financial stability. The implications of this study emphasize the need to integrate financial literacy materials, particularly stock investments, into the vocational high school curriculum. This is expected to prepare students with relevant skills to face global economic challenges.
Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Rasio Profitabilitas Tahun 2020-2022 Pramayuda, Agung
Jurnal Accounting Information System (AIMS) Vol. 7 No. 2 (2024)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/aims.v7i2.1044

Abstract

Islamic banking continues to grow and has become an important part of the financial system in various countries. Along with this growth, there are efforts to continue to improve regulations and standards to ensure compliance with sharia principles. The purpose of this study is to analyze financial performance and determine the category of the company's financial performance using the profitability ratio at Bank Syariah Indonesia for the period 2020-2022. In the profitability ratio in question, the author uses the Return On Asset (ROA) and Return On Equity (ROE) ratios. The type of data used in this study is secondary data sourced from financial report data obtained from the Bank Syariah Indonesia website. The data analysis method used is descriptive analysis with a qualitative approach. The results of the analysis of the financial performance of Bank Syariah Indonesia using the Profitability Ratio, namely ROA, and ROE, show positive values ??with a very good financial performance category.
Key Determinants of Fintech Peer-to-Peer Lending Usage Intentions: Insights from Bandung City Putra, Okta Eka; Pramayuda, Agung; Rohaeni, Tanti; Tarigan, Vera Yessica; Ariffin, Ariezan Zainal
Involvement International Journal of Business Vol. 2 No. 1 (2025): January 2025
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v2i1.107

Abstract

This study aims to identify and analyze the key factors influencing the intention to use fintech peer-to-peer (P2P) lending services in Bandung City, addressing a significant area of financial technology adoption in emerging markets. This research uses a quantitative accidental sampling method, namely a non-probability sampling technique to survey 428 residents of Bandung City who use P2P lending services. Data were collected through questionnaires and analyzed using multiple linear regression to evaluate the impact of various independent variables on usage intention. The analysis revealed that Personalization, Accessibility, and Enhanced Effectiveness have a positive and statistically significant influence on the intention to use P2P lending. Conversely, Loan Approval Speed demonstrated a negative and statistically significant effect. Social Factors, however, were found to have no significant impact on usage intention. These findings contribute to the literature on fintech adoption, highlighting the importance of service personalization and accessibility while identifying areas for improvement, such as streamlining loan approval processes. The insights provided can inform strategies for both service providers and policymakers in fostering responsible P2P lending adoption in Bandung City. This research underscores critical determinants of P2P lending usage intentions and provides actionable insights for enhancing the effectiveness and appeal of financial technology services in Bandung City.
Peningkatan Literasi Keuangan dalam Pengelolaan Keuangan Pribadi pada Pelajar MTS Swasta Al Fattah Desa Tunggilis Kecamatan Kalipucang Kabupaten Pangandaran Retno Widya Ningrum; Irfan Achmad Musadat; Agung Pramayuda
Jurnal Bhakti Karya dan Inovatif Vol 3 No 2 (2023): Jurnal Bhakti Karya dan Inovatif
Publisher : LPPM Universitas Informatika dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/bhaktikaryadaninovatif.v3i2.974

Abstract

Financial literacy is knowledge, ability, and intelligence that affect attitudes and behaviors in decision-making and financial management in the framework. Therefore, financial literacy is needed from an early age so that people are more aware of the role of money and can manage money wisely. In addition, the habit of saving is also expected to have a positive impact such as determining the priority scale of needs, appreciating value more, and being more independent and consistent in achieving MTS Swasta Al Fattah students are currently the alpha generation, so they need an approach that suits their character. The method used in this community service is a service learning approach. Service learning methodology is a learning approach that combines real experiences in society with academic learning. This methodology aims to provide a direct contribution through the teaching process so that the skills and knowledge of MTS Swasta Al Fattah students are achieved. Community service activities that have been carried out are as follows: The participants already know the function of money as a medium of exchange but have not been able to distinguish between needs and wants. In addition, shopping activities in traditional markets and mini-markets also provide an understanding that shopping in conventional markets requires communication between sellers and buyers ranging from asking about the availability of goods to bargaining prices, while in markets it does not require much communication because the goods are already displayed with the price.
Peningkatan Pemahaman Investasi pada Siswa SMK Logistik Sumedang Retno Widya Ningrum; Irfan Achmad Musadat; Agung Achmad Pramayuda; Aninditha Putri Kusumawardhani; Okta Eka Putra
Jurnal Bhakti Karya dan Inovatif Vol 4 No 2 (2024): Jurnal Bhakti Karya dan Inovatif
Publisher : LPPM Universitas Informatika dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/bhaktikaryadaninovatif.v4i2.976

Abstract

The young generation is investment literate and is important in future economic development. Investment is aimed at getting more value in the future from consumption that is withheld in the present (Ekananda, 2018). Meanwhile, an investment decision is an action that goes through thinking about the benefits and risks that will be faced from choosing the investment (Milzam et al., 2024). So, before making an investment decision, the community must have adequate knowledge about investment. The target participants in this Community Service activity are students of Logistics Vocational School. Current Logistics Vocational School students are Gen-Z. Gen-Z is a generation estimated to be born between 1995 and 2012 (Sawitri, 2023). Gen-Z has one of the characteristics, namely being very tech-savvy and daring to take risks. Graduates of SMK Logistik Sumedang will become the community that continues the Indonesian economy. The method used in this Community Service activity at SMK Logistik Sumedang is the service learning approach. Rahdiyanta and Hidayat (2016) and Rusli et al. (2022) stated that this methodology is suitable for use in the world of education because it is a combination of community experience and academic knowledge. This methodology aims to provide direct contributions through delivering materials such as teaching to students so that students' understanding of investment is increased. Based on the results of Community Service activities at SMK Logistik Sumedang, students have high enthusiasm for investment, especially in instruments with low investment amounts starting from IDR 10,000 such as mutual funds or saving gold through digital investment platforms.
Co-Authors Aggi Panigoro Sarifiyono Aprianti, Vika Ariffin, Ariezan Zainal Arin Krisnawati Ayu Nike Retnowati Azkia, Zahra Nurul Badriyah, Ratnaini Bambang Sugeng Dwiyanto Bob Foster David Martsinus Situmorang, Immanuel Duriyah, Nisrina Nur Elan Rusnendar Fikri, Andri Muhammad Hajiah, Arin Al Irfan Achmad Musadat Kusumawardhani, Aninditha Putri Mahendra, Rivan Yusni Marbun, Frida Wati Boru Mesya Dwiyana Mugi Puspita Muhammad Ferdi Pradana Nafilatun Nisa, Rahma Nisrina Nur Duriyah Priyana, Indarta Purnama, Susan Putra, Okta Eka Rachman Kuswartanti, Dyah Retno Widya Ningrum Retno Widya Ningrum, Retno Widya Ningrum Rohaeni, Tanti Siti Hawa Salsabila Siti Jasmin Aulia Azzahra Siti Nurpaidah Subarna Tarigan, Vera Yessica Triatmaja, Nur Asih Vina Andita Pratiwi Zuyyina Rahmat, Hamzah