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All Journal Jurnal Manajemen Terapan dan Keuangan International Journal of Community Service
Efriani, Betharia
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Religion Humanities Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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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 (In Progres)
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.
Co-Authors Febrianti, Rahma Goestjahjanti, Francisca Sestri Kulla, Istajib Lathifah, Azmii Malinda, Shelfi Nettiary Kelara, Bulan Rahayu, Gita Rahmawati, Rahmawati Shafira Vanessa, Aulia WINANTI, WINANTI Yuliani Yuliani