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Socialization of Financial Literacy and Safe Investment in the Banjarejo Village Community, Madiun City Herawati, Novy Rachma; Faujianto, Samsu Anhari; Bakti, Nurimansyah Setivia
Journal of Community Practice and Social Welfare Vol. 5 No. 1 (2025): Journal of Community Practice and Social Welfare
Publisher : LPPM Universitas Ma Chung

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Abstract

The Socialization of Financial Literacy and Safe Investment in the Banjarejo Village Community of Madiun City aims to provide a deeper understanding to the Banjarejo Village community of Madiun City, especially vulnerable groups such as MSMEs, housewives, and the younger generation about the importance of managing finances wisely and investing safely. This program also provides education on choosing financial products that are legal and supervised by relevant authorities, such as the Financial Services Authority (OJK). This socialization activity is part of the community service activities in the Banjarejo Village of Madiun City. Implementation by conducting an initial survey and interviews with the local community to identify their level of financial literacy, their needs related to financial education, and common investment patterns. The activity was carried out in the Banjarejo Village of Madiun City on January 19, 2025, and was attended by 27 participants. As a result, most of the participants showed a fairly good understanding of personal budget management.
Trans Jatim Bus Service Innovation in Encouraging Mobility and Local Economic Growth in Bangkalan Regency Ridwan, Asrifia; Haerudin, Mohamad; Bakti, Nurimansyah Setivia
Ilomata International Journal of Social Science Vol. 7 No. 1 (2026): January 2026
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijss.v7i1.1954

Abstract

This study examines the innovative Trans Jatim bus service corridor 5 in promoting mobility and local economic growth in Bangkalan Regency. This topic is important considering the role of public transportation in supporting inter-regional connectivity and impacting the strengthening of the local economy. This study examines the contribution of innovative bus services to public mobility and regional economic growth. The novelty of this research lies in its approach that not only views transportation as a means of mobility but also as a strategic instrument of economic development, which has not been studied in depth in the context of Bangkalan Regency. This research method is descriptive qualitative with a case study approach and analyzed using Rogers' diffusion of innovation theory. The findings show that Trans Jatim bus services provide affordable, accessible, and modern facilities that have been positively evaluated by the public. Through Rogers' diffusion of innovation theory, the process of adopting this service involves the stages of knowledge, persuasion, decision, implementation, and confirmation. Most people accept this innovation due to cost and time efficiency, although there is resistance from traditional transportation drivers who are economically impacted. The success of this service improves the local economy and spurs sustainable innovation for the welfare of the people of Bangkalan Regency.
RESILIENSI BANK UMUM DI TENGAH KETIDAKPASTIAN EKONOMI GLOBAL : RESILIENSI BANK UMUM DI TENGAH KETIDAKPASTIAN EKONOMI GLOBAL Bakti, Nurimansyah Setivia; Sofyan, Mohammad; Agnyana, Handaru; Anwar, Umul Wahrul
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19166

Abstract

Global economic uncertainty caused by financial crises, geopolitical shifts, and market fluctuations has a significant impact on the stability of the banking system. This study aims to analyze the resilience of commercial banks in Indonesia in responding to these external pressures by examining factors that influence financial performance and credit risk. The research employs a quantitative descriptive analysis with a population consisting of 105 commercial banks operating in Indonesia. The findings indicate that risk management plays a crucial role in identifying, measuring, and managing risks associated with global economic uncertainty. Banks must maintain a strong commitment to credit quality, including credit portfolio monitoring, risk assessment, and the management of non-performing loans (NPLs). Credit portfolio diversification is essential for reducing exposure to specific credit risks and enhancing income stability. Ensuring adequate liquidity is also vital to cope with potential liquidity pressures arising from uncertain conditions. Moreover, increasing investment in technology and innovation is necessary to improve operational efficiency, enhance customer experience, and develop new products that meet changing market demands. Compliance with evolving regulations related to global economic uncertainty is important to ensure adherence to applicable legal requirements. Transparent communication with stakeholders including customers, investors, and regulators is needed to build trust and strengthen relationships. The significant growth in third-party funds (DPK) indicates that banks can effectively attract public deposits, which can be utilized to support economic activities through lending. Therefore, strong DPK growth serves as a positive indicator of the intermediation function of conventional commercial banks and contributes substantially to overall economic growth.