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All Journal Jurnal Manajemen Terapan dan Keuangan International Journal of Social and Management Studies (IJOSMAS) International Journal of Community Service Pattimura Proceeding : Conference of Science and Technology Komunita: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Efriani, Betharia
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Integrating Rationality and Religiosity In Financial Literacy Education: Strengthening Investment Awareness And Preventing Illegal Online Lending At Tahfiz Al-Qur’an Izzudin Islamic Boarding School Malinda, Shelfi; Febrianti, Rahma; Yuliani, Yuliani; Shafira Vanessa, Aulia; Efriani, Betharia; Nettiary Kelara, Bulan
International Journal Of Community Service Vol. 5 No. 4 (2025): November 2025 ( Indonesia - Thailand - Malaysia - Timor Leste - Philippines )
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v5i4.937

Abstract

The rapid expansion of financial technology in Indonesia has stimulated a surge of interest in digital investment. However, this progress has not been matched by a proportional improvement in financial literacy, resulting in the increasing prevalence of illegal investment schemes and unregulated online lending practices. Although national data show a sharp rise in the number of investors in 2021, the trend has declined steadily from 2022 to 2025, accompanied by fluctuating growth in illegal financial activities. This phenomenon indicates a critical imbalance between access to digital financial platforms and the ability of individuals to manage the associated risks responsibly. Most existing financial literacy initiatives focus primarily on economic rationality, overlooking the moral and spiritual dimensions that strongly influence decision-making in religious-based educational settings. Addressing this limitation, the present community service program was designed to integrate rational and religious approaches in developing ethical and prudent financial behavior among students of Pesantren Tahfizh Al-Qur’an Izzuddin Palembang. The implementation involved interactive lectures, case-based discussions, and simulations, evaluation through pre-test and post-test assessments to measure participants’ learning progress. The results demonstrated a notable improvement in understanding digital financial risks and awareness of illegal investment practices after the intervention. This initiative underscores the significance of combining rational, educational, and religious perspectives to strengthen financial literacy resilience in the digital era, particularly within faith-based learning environments. The model developed through this program offers a sustainable approach to preventing illegal financial activities while fostering financially literate and ethically conscious youth.
SALES GROWTH SEBAGAI KUNCI DAYA SAING: STUDI PENGARUH LIKUIDITAS DAN PROFITABILITAS PADA PT INDOFOOD CBP SUKSES MAKMUR TBK Efriani, Betharia; Rahayu, Gita; Lathifah, Azmii
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 04 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i04.49880

Abstract

Penelitian ini bertujuan mengevaluasi dampak likuiditas dan profitabilitas terhadap tingkat daya saing pada PT Indofood CBP Sukses Makmur Tbk dalam rentang waktu 2017 hingga 2024. Likuiditas diukur menggunakan Current Ratio (CR), sedangkan profitabilitas dievaluasi melalui Return on Assets (ROA). Daya saing diindikasikan melalui pendekatan kuantitatif deskriptif, dengan menggunakan analisis regresi linier berganda setelah melakukan pengujian asumsi klasik untuk memastikan keabsahan model. Temuan penelitian menunjukkan bahwa likuiditas memiliki pengaruh negatif yang signifikan terhadap daya saing, sementara profitabilitas menunjukkan pengaruh negatif meskipun tidak signifikan. Secara bersamaan, likuiditas dan profitabilitas memberikan pengaruh yang signifikan terhadap daya saing dengan nilai determinasi sebesar 26%, yang menunjukkan bahwa kinerja keuangan mampu menjelaskan sebagian variasi daya saing perusahaan. Temuan ini mengindikasikan bahwa tingkat likuiditas yang terlalu tinggi dapat menurunkan efisiensi aset, sedangkan peningkatan profitabilitas perlu disertai strategi ekspansi dan inovasi agar berdampak terhadap pertumbuhan penjualan. Penelitian ini berimplikasi pada pentingnya keseimbangan pengelolaan kas dan efisiensi operasional sebagai dasar pembentukan strategi daya saing berkelanjutan di industri makanan dan minuman Indonesia.
E-Commerce Site of SMEs Customer Satisfaction: How the Role of Brand Leadership? Goestjahjanti, Francisca Sestri; Sadewo, Tatang Iman; Srinita; Admiral; Sudiyono, Rachma Nadhila; Efriani, Betharia
International Journal of Social and Management Studies Vol. 3 No. 2 (2022): International Journal of Social and Management Studies (IJOSMAS)
Publisher : IJOSMAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (446.461 KB) | DOI: 10.5555/ijosmas.v3i2.136

Abstract

This study aims to investigate the effect of brand leadership (consisting of the dimensions of quality, value, innovation, and popularity) perceived by consumers of an e-commerce website on customer satisfaction among private college students. The sample of this research was taken from 171 private college students using a simple random sampling technique and using SEM (Structural Equation Model) with SmartPLS software version 3.0 as a statistical tool. The results of this study indicate that all dimensions of brand leadership have a positive and significant effect on customer satisfaction. The quality dimension has the most influence to drive customer satisfaction on e-commerce sites. Then followed by the dimensions of value, innovation, and popularity. The study notes that consumers have logical opinions on leading brands even when they are not yet popular. Online reviews and word-of-mouth reviews can be used to increase brand popularity based on the best product quality.
Pendidikan Mindset Menabung Yang Benar Bagi Santri Di Pesantren Tahfidz Al-Qur’an Izzuddin Yuliani, Yuliani; Malinda, Shelfi; Efriani, Betharia; Mora Siagian , Belinda; Hermanto, Hermanto
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 5 No 1 (2026): Februari
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v5i1.386

Abstract

This community service program aims to improve financial literacy and develop a proper saving mindset among students (santri) of Tahfidz Al-Qur’an Izzuddin Islamic Boarding School in Palembang. The low awareness of saving behavior among adolescents, including santri, is often caused by the lack of education on personal financial management. The program adopted a participatory-educational approach through several stages: socialization, training, mentoring, and evaluation. A total of 19 students from grades VII–IX actively participated in this activity. The materials covered the fundamentals of saving, factors that hinder saving habits, effective saving techniques, and an introduction to various saving and investment instruments. The results indicated a significant improvement in participants’ understanding of the importance of saving, personal financial management, and their ability to formulate short- and long-term financial goals. Evaluation results showed that 90% of participants understood effective saving techniques, and 100% were able to identify their personal financial goals. This program successfully fostered early financial awareness and served as an initial step toward building the students’ economic independence through planned and sustainable saving habits.
Structural Analysis of Key Factors Influencing the Sustainability of Urban Green Spaces in Palembang City Using MICMAC Approach Syaifullah, Ahmad; Efriani, Betharia; Manurung, Sabam Syahputra
Pattimura Proceeding 2026: Proceeding of the 3rd International Conference of International Conference on Business and Eco
Publisher : Pattimura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/pcst.2026.iconbe.p281-294

Abstract

As a vital component of the urban ecosystem, green open spaces (GOS) play crucial ecological, social, and aesthetic roles in maintaining the balance of the city environment. The importance of GOS is also mandated by local regulations concerning the spatial planning of Palembang City, which affirm the government’s commitment to sustainable urban management. In formulating policy foundations related to GOS, regional governments often face strategic challenges in determining where to begin, which actions are most effective, and in what direction the policies should be directed. This study aims to identify and analyze the structural interrelationships among key factors influencing the sustainability of urban green open spaces in Palembang City, in order to provide a comprehensive analysis of the systemic dynamics underlying the effectiveness of GOS management policies. This research employs a structural analysis approach using the MICMAC (Matrix of Cross Impact Multiplication Applied to Classification) method to examine the causal relationships and the patterns of influence and dependence among 20 variables categorized into four dimensions of sustainability: (1) governance and policy, (2) physical and environmental aspects, (3) social aspects and community participation, and (4) economic and financial aspects. The results show that seven variables: urbanization and population density, spatial law enforcement, urban land value, government budget allocation, land-use change, land availability, and inter-agency coordination, constitute the primary driving factors with the highest direct influence on the system. These variables exert strong structural power and therefore form the strategic foundation for strengthening GOS governance and ensuring long-term spatial sustainability. In terms of priority ranking, urbanization and population density emerged as the most dominant factor influencing GOS sustainability. Projection of future priorities indicates rising influence for land availability, spatial law enforcement, GOS accessibility, green investment, and community-level green space provision, reflecting a growing need to safeguard spatial integrity, strengthen legal compliance, and enhance public access to green infrastructure. The identification of these key factors can serve as a valuable reference for stakeholders in making informed decisions and developing integrated strategies for sustainable urban green space management.
Co-Authors Admiral Febrianti, Rahma Goestjahjanti, Francisca Sestri Hermanto Hermanto Kulla, Istajib Lathifah, Azmii Malinda, Shelfi Mora Siagian , Belinda Nettiary Kelara, Bulan Rahayu, Gita Rahmawati, Rahmawati Sabam Syahputra Manurung Sadewo, Tatang Iman Shafira Vanessa, Aulia Srinita Sudiyono, Rachma Nadhila Syaifullah, Ahmad WINANTI, WINANTI Yuliani Yuliani