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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat JRA: Jurnal Riset Akuntansi Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Reswara: Jurnal Pengabdian Kepada Masyarakat International Journal of Applied Finance and Business Studies LEBAH SENTRI: Jurnal Riset Ilmiah JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah
Yumniati Agustina
Universitas Tama Jagakarsa Program Studi Manajemen Informatika STMIK Jakarta STI&K
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Introduction To Basic Financial Concepts For Kindergarten Children At Tunas Kemuning Kindergarten, Kemuning Muda Village, Siak Regency Wariam, Inge; Latifah, Anni; Indriani P, Theresia; Wahyuni, Sri; Talis, Novrida; Rasiyem, Rasiyem; Agustina, Yumniati
JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah Vol 9, No 4 (2024): November, I Special Issue on "Educational design research for human beings learn
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jimps.v9i4.33629

Abstract

Early financial literacy is an important foundation for developing financial awareness and skills. This program was carried out through the Community Service Program (KKN) at Tunas Kemuning Kindergarten, Kemuning Muda Village, in October 2024. This program aims to introduce basic financial concepts to kindergarten children and improve teacher competency in school financial management. This program uses a multi-method approach, including interviews, interactive socialization, and practical training. The program results showed that children better understood the basics of counting, saving habits, recognition of types of money, and simple financial transactions. Teachers reported increased knowledge of financial management and the ability to apply transparent bookkeeping methods. Although the results were positive, the limited time required to implement the program was a challenge that limited its impact. This program emphasizes the importance of early financial education and teacher training in financial management. Recommendations for future initiatives include extending the duration of the program, integrating financial literacy into the early childhood education curriculum, and involving parents to strengthen learning at home. The uniqueness of this program lies in its community-based approach that combines children's financial literacy education with increasing teacher capacity in financial management.
From paper to pixels: transforming financial practices in community qur’anic early childhood education Agustina, Yumniati; Nurcahyo, Widyat; Ningsih, Sri Setia
Lebah Vol. 18 No. 4 (2025): July: Pengabdian
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/lebah.v18i4.359

Abstract

This community engagement initiative, conducted as a collaboration program of several lecturers from various universities, aimed to strengthen the financial management capacities of Taman Pendidikan Al-Qur’an (TPA) Sufaini, a grassroots religious education center in Ciputat, South Tangerang. The institution, which offers free Qur’anic instruction to underprivileged children, faced persistent challenges in maintaining accurate and transparent financial records due to the absence of standardized accounting practices and limited technological literacy among its administrators. In response, a structured training program was designed and implemented to provide foundational knowledge of accounting principles and to introduce mobile-based digital bookkeeping tools that could be directly integrated into the institution’s daily operations. The methodology of the program emphasized participatory learning, contextualized instruction, and hands-on practice using actual institutional data. Evaluation was conducted through qualitative methods such as observation and dialogue. Approximately 85% of participants demonstrated significant improvements in preparing standardized financial reports and greater awareness of transparency and accountability. The outcomes revealed both the potential and limitations of digital financial literacy interventions in low-resource educational settings. While the training effectively introduced essential skills, sustainability remains contingent on continued support, institutional commitment, and access to adequate technology. This initiative contributes to broader discourses on community-based capacity building and highlights the role of higher education institutions in facilitating inclusive development through practical, needs-driven knowledge transfer. The experience at TPA Sufaini serves as a model for replicable interventions in similar contexts, with implications for scaling and long-term policy integration within informal education systems.
Unpacking ESG disclosure and market performance: a stakeholder-based study of Indonesian Energy Firms Agustina, Yumniati; Setiadi, Iwan; Murwaningsari, Etty
International Journal of Applied Finance and Business Studies Vol. 13 No. 2 (2025): September: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i2.384

Abstract

This scholarly work investigates the potential impact of Environmental, Social, and Governance (ESG) information dissemination on firm-level performance, within the theoretical scope of stakeholder orientation. ESG transparency is evaluated across three thematic pillars—ecological stewardship, societal engagement, and corporate oversight—based on parameters delineated by Nasdaq ESG Metrics (2019). Corporate performance is represented by a market-based indicator, namely Tobin’s Q. The empirical dataset comprises 17 energy-sector entities listed on the Indonesia Stock Exchange over the period 2019–2023, selected through purposive sampling methodology. Analytical procedures employ multiple linear regression techniques. The empirical results indicate that environmental transparency exerts a statistically significant and favorable influence on firm value. In contrast, disclosures related to social and governance aspects do not demonstrate a meaningful association with corporate performance. On the whole, the disclosure of ESG dimensions exhibits a significant and positive linkage with firm outcomes. Nevertheless, in spite of existing regulatory mandates, merely 25% of energy firms have issued sustainability reports, and the comprehensiveness of ESG-related disclosures remains suboptimal. The present invetigation highlights the strategic importance of environmental transparency in enhancing market valuation. Practically, the findings urge energy firms to enhance environmental disclosures to boost investor trust and firm valuation.
Pelatihan Pemanfaatan Teknologi Seluler dalam Pengelolaan Keuangan Usaha Mikro Kecil Menengah (UMKM) Agustina, Yumniati; Setiadi, Iwan; Nurcahyo, Widyat
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 6 No 2 (2022): Mei
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v6i2.5593

Abstract

 Tujuan dari pelaksanaan pengabdian masyarakat ini adalah untuk memberikan pelatihan penyusunan laporan keuangan berbasis teknologi mobile dengan menggunakan aplikasi Si Apik dan edukasi kepada peserta mengenai alternatif pengelolaan keuangan UMKM yang lebih mudah dengan memanfaatkan teknologi online. Metode pelaksanaan kegiatan berbentuk workshop yang dilaksanakan pada tanggal 13 Januari 2020, pukul 08.00 – 15.00 WIB, di Universitas Tama Jagakarsa. Jl. TB. Simatupang No. 152. Tanjung Barat. Jakarta Selatan, di Ruang 310. Metode pelaksanaan kegiatan terdiri dari 3 tahap, yaitu: Persiapan, Pelaksanaan, dan Evaluasi. Berdasarkan hasil evaluasi melalui kuesioner, pelatihan berhasil meningkatkan pengetahuan peserta tentang akuntansi secara umum.  aplikasi SI APIK mudah digunakan, bermanfaat, dan peserta ingin menggunakan aplikasi SI APIK dalam usaha mereka, Peserta lebih menyukai dan memilih SI APIK ketimbang CENT. Sebagai tindak lanjut kegiatan ini adalah membuka Forum Bantuan bagi pelaku UMKM untuk membantu mereka dalam penggunaan aplikasi yang telah dilatih, Menjajaki peluang kerjasama dengan kelompok UMKM lain untuk memperluas khalayak dan Memberkan usulan kepada LP3M untuk membuat lembaga Pusat inkubator Bisnis bagi pelaku UMKM.  
Peningkatan Literasi Digital Guru TPA melalui Pelatihan Desain Sertifikat Berbasis Canva Nurcahyo, Widyat; Agustina, Yumniati
Lebah Vol. 19 No. 3 (2026): January: Pengabdian
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/lebah.v19i3.502

Abstract

Pemanfaatan teknologi digital semakin menjadi tuntutan di berbagai lembaga pendidikan, namun literasi digital pada pendidik di lembaga nonformal seperti Taman Pendidikan Al-Qur’an (TPA) masih relatif rendah. Kesenjangan ini terlihat pada kebutuhan administrasi TPA yang semakin kompleks, termasuk penyediaan sertifikat kegiatan, sementara sebagian besar guru belum memiliki keterampilan dasar untuk menghasilkan dokumen digital secara mandiri. Pelatihan ini dirancang sebagai upaya mengatasi gap tersebut dengan membekali guru-guru TPA Sufaini di Tangerang Selatan kemampuan mendesain dan mencetak sertifikat digital menggunakan Canva, aplikasi desain berbasis web yang mudah digunakan. Metode pelaksanaan meliputi persiapan, pelatihan berbasis praktik langsung dalam kelompok kecil, serta evaluasi hasil melalui penugasan produksi sertifikat. Hasil kegiatan menunjukkan peningkatan signifikan dalam kemampuan teknis peserta, kemandirian dalam menghasilkan dokumen resmi, serta peningkatan kepercayaan diri dalam penggunaan teknologi. Implikasi dari kegiatan ini tidak hanya meningkatkan efisiensi administrasi TPA, tetapi juga membuka peluang adopsi teknologi yang lebih luas dalam kegiatan pembelajaran dan manajemen lembaga. Program ini menegaskan bahwa intervensi sederhana namun kontekstual dapat menjadi katalis transformasi digital pada lembaga pendidikan nonformal.
Solvency, cash flow, and financial distress: A moderation analysis of company size Agustina, Yumniati; Herawati, Vinola
International Journal of Applied Finance and Business Studies Vol. 13 No. 4 (2026): March: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v13i4.462

Abstract

This study investigates the impact of solvency and cash flow ratios on the likelihood of financial distress, while also examining the moderating effect of company size. The research focuses on firms in the property and real estate subsector listed on the Indonesia Stock Exchange (IDX) during the 2016–2020 period. Using a purposive sampling method, 57 firms were selected, resulting in 285 firm-year observations. Logistic regression analysis was employed to test the hypotheses. The results show that solvency has a significant positive effect on financial distress, indicating that higher levels of debt increase the likelihood of financial difficulties. In contrast, cash flow does not exhibit a significant influence on financial distress. Furthermore, company size fails to moderate the relationship between both solvency and financial distress, as well as cash flow and financial distress. These findings suggest that large company size does not necessarily mitigate the adverse effects of financial structure or liquidity on financial health within the property and real estate sector in Indonesia.
The Influence of Days Past Due, Loan Amount, and Deposit Proportion on Non-Performing Loans at the CU Sejahtera Makmur Bersama Savings and Loan Cooperative Nurwiyati, Nurwiyati; Agustina, Yumniati; Mardika, Isnan Hari
SENTRI: Jurnal Riset Ilmiah Vol. 5 No. 2 (2026): SENTRI : Jurnal Riset Ilmiah, Februari 2026 (In Press)
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v5i2.5775

Abstract

This study examines the influence of Days Past Due, Loan Amount, and Savings Proportion on credit default risk in CU Sejahtera Makmur Bersama using a comparative machine learning approach. Random Forest and XGBoost models were implemented and evaluated using Mean Squared Error (MSE), Mean Absolute Error (MAE), and the Coefficient of Determination (R²). The results indicate that XGBoost_Optimized achieved the best performance with the lowest MSE (23,124,275,951) and the highest R² (0.020977), while Random Forest showed slightly better MAE performance (69,923,891). However, the R² value remains very low, indicating that the models explain only around 2% of the variance in credit default outcomes. This limited explanatory power is likely attributable to the absence of non-financial and behavioral variables, such as borrower character, repayment discipline, and employment stability, which are critical determinants of default behavior in cooperative lending. Additionally, potential data imbalance or outlier effects may have further reduced predictive accuracy. These findings suggest that financial indicators alone are insufficient to capture the complexity of non-performing loans. Future research should integrate borrower behavioral attributes, macroeconomic variables, and alternative modeling strategies such as binary classification or risk segmentation techniques to improve predictive performance and practical applicability.
Co-Authors Aridi, Kartika Aprilia asmara, fany Cusyana, Silvi Reni Etty Murwaningsari Fauziah, Resa Herawati, Vinola Hilaludin, Hilaludin Hudaa, Syihaabul Indriani P, Theresia Isnan Hari Mardika Iwan Setiadi Latifah, Anni Nurcahyo, Widyat Nurul Fatimah Nurwiyati, Nurwiyati Nuryani Nuryani Pidyat Nurcahyo Putri, Katmita Dias Rasiyem, Rasiyem Sri Setia Ningsih, Sri Setia Sri Wahyuni Sudrajat, Endrawan Talis, Novrida Wariam, Inge