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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Abdi Insani Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Mitra Akademia: Jurnal Pengabdian Masyarakat International Journal of Economics, Management, Business, and Social Science Journal of Artificial Intelligence and Digital Business Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen
Farhani, Nuraeni Hadiati
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Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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Meningkatkan literasi perbankan untuk UMKM melalui diseminasi kredit usaha rakyat Rimenda, Tetty; Efriyanto; Farhani, Nuraeni Hadiati; Bidhari, Sandhika Cipta; Hamonangan, Edward Hot; Fitriah, Hanifah Rahmah; Khaerunnisa, Siti Nur
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 5 No. 4 (2024)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v5i4.22333

Abstract

Depok sebagai kota penyangga Jakarta memiliki UMKM yang cukup banyak. UMKM di Depok tergabung dalam Perkumpulan Jaringan Wirausaha Anak Negeri (Jawara) Kota Depok dengan anggota kurang lebih 5.000 anggota. 70% dari anggota Jawara Depok bergerak di bidang kuliner. Tiga tahun terakhir terjadi penurunan jumlah UMKM, karena banyak UMKM yang bangkrut. Untuk menginvestasi penyebab bangkrutnya UMKM digunakan metode PAR (Participatory Action Research), kemudian menetapkan prioritas permasalahan. Dari hasil investigasi diketahui bahwa mayoritas UMKM tidak mampu membayar pinjaman kepada pihak ketiga karena biaya bunganya mahal. Untuk mengatasi permasalahan itu Prodi Sarjana Terapan Keuangan dan Perbankan melakukan sosialisasi literasi perbankan KUR. KUR dapat dijadikan sebagai alternatif pemenuhan modal yang murah untuk para UMKM. Kegiatan dilaksanakan pada tanggal 6 Juni 2024 di Gedung Serba Guna, Politeknik Negeri Jakarta yang diikuti oleh 33 UMKM. Dalam hal narasumber tim bekerjasama dengan BRI cabang Margonda Depok yang membawahi bidang KUR. Dari hasil sosialisasi, UMKM memperoleh informasi tentang KUR 2024 dan syarat memperoleh KUR. Kegiatan ini dapat mengubah persepsi UMKM tentang sulitnya memperoleh KUR. Dengan adanya perubahan sudut pandang tentang KUR, maka dapat memotivasi UMKM untuk terus berkembang lebih baik ke depannya.
KARAKTERISTIK DAN PERMASALAHAN PABRIK GULA PG X Farhani, Nuraeni Hadiati; Seno, Petrus Hari Kuncoro; Ramadhani, Annisa Alifa
Ekonomi & Bisnis Vol 23 No 1 (2024): Jurnal Ekonomi & Bisnis Juni 2024
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v23i1.6664

Abstract

This research aims to describe the characteristics and problems faced by PG X. Moreover, this research seeks to formulate alternative solutions for PG to give better economics effect for society. This type of research is descriptive qualitative. This research conducted at PG X. The results of this research indicate that PG X is having difficulty of achieving optimal profits. This problems happened because the price of sugar is regulated by the government, while the price of production factors such as fertilizer is free according to market mechanisms. Another problem is that the supply of quality sugar cane is still an obstacle and conditions of inefficiency. The results of this research provide solutions offered for PG (2) production cost efficiency; (3) increasing employee capabilities, and (4) increasing partnerships with farmers that are more intensive, especially in terms of cultivation and post-harvest to improve the quality of sugar cane
Opportunities and Challenges For Halal UMKM in Facing The Development of Digitalization in Indonesia Zahra, Inas Afifah; Bidhari, Sandhika Cipta; Farhani, Nuraeni Hadiati
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 5 No. 2 (2025): May 2025
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v5i2.462

Abstract

The development of digitalization in Indonesia has opened up significant transformation space for Micro, Small, and Medium Enterprises (MSMEs), including halal MSMEs which are growing along with increasing public awareness of halal products. Digitalization presents great opportunities in the form of operational efficiency, market expansion, and increased competitiveness through the use of digital platforms, e-commerce, and technology-based payment systems. However, behind these opportunities, halal MSMEs also face complex challenges, such as limited digital literacy, affordability of technological infrastructure, and adaptation to evolving halal regulations and certifications. The method used in this study is a qualitative approach. This study aims to identify strategic opportunities and main obstacles faced by halal MSMEs in the digital era, as well as to formulate policy recommendations that can support the sustainable empowerment of halal MSMEs. The results of this study are expected to be a real contribution to the development of an inclusive and adaptive halal MSME ecosystem to changes in the era of national digitalization.
PENGUATAN DAN PENGEMBANGAN USAHA KOPERASI Muchtasib, Ach. Bakhrul; Fatah, Dede Abdul; Hasanah, Nurul; Syafrida, Ida; dillah, Abdillah; Farhani, Nuraeni Hadiati
Mitra Akademia: Jurnal Pengabdian Masyarakat Vol 4 No 2 (2021): Mitra Akademia: Jurnal Pengabdian Masyarakat
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat (P3M) Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/mapnj.v4i2.4278

Abstract

This article is stemmed from a community service that aims to develop the fostered cooperative businesses, namely the Dana Bakti Sahabat cooperative, the Pesantren Luhur Sabilussalam Cooperative, and the Bina Mujtama’ Madani Cooperative. The community service that has taken is dedicated to community economic empowerment through strengthening and developing cooperative businesses. This community service is also a real contribution of the Politeknik Negeri Jakarta, especially in developing Islamic Banking and Finance study program.  It uses a mentoring approach with the Asset Based Communities Development (ABCD) method, where this method prioritizes the utilization of the potential or assets in the cooperative business. Its result are, among others, legalizing the status of cooperatives, strengthening cooperative system, as well as capital assisting for cooperative business development. Capital assistance is provided in the form ofgrants for goods needed by cooperatives.Keywords: Mentoring, Asset Based Communities Development, legality, system, capital assistance Pengabdian masyarakat ini bertujuan untuk mengembangkan usaha koperasi binaan, yaitu koperasi Dana Bakti Sahabat, Koperasi Pesantren Luhur Sabilussalam, dan Koperasi Bina Mujtama’ Madani. Pengabdian ini untuk pemberdayaan ekonomi masyarakat melalui penguatan dan pengembangan usaha koperasi. Disisi lain pengabdian masyarakat ini juga sebagai bentuk kontribusi nyata Politeknik Negeri Jakarta dalam hal ini program studi Keuangan dan Perbankan Syariah. Dalam pengabdian ini menggunakan pendekatan pendampingan dengan menggunakan metode Asset Based Communities Development (ABCD), yang mana metode ini mengutamakan pemanfaatan potensi atau aset yang ada di koperasi. Pelaksanaan pengabdian menghasilkan legalitas koperasi, sistem koperasi, dan bantuan modal untuk pengembangan usaha koperasi. Untuk bantuan modal diberikan dalam bentuk hibah barang yang dibutuhkan koperasi. Kata kunci: Pendampingan, Asset Based Communities Development, legalitas, sistem, bantuan moda
Pengaruh Literasi Keuangan Syariah dan Religiusitas terhadap Minat Menabung di Bank Syariah dengan Perilaku Keuangan sebagai Moderasi Chania, Siti; Farhani, Nuraeni Hadiati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1773

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan religiusitas terhadap minat menabung di bank syariah dengan perilaku keuangan sebagai variabel moderasi pada mahasiswa jurusan Akuntansi Politeknik Negeri Jakarta. Penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif dan kausal. Sampel dalam penelitian ini sebanyak 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan metode Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS) menggunakan aplikasi SmartPLS 4. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap minat menabung di bank syariah. Religiusitas juga menunjukkan pengaruh yang signifikan, namun dengan arah negatif, yang mengindikasikan bahwa individu dengan tingkat religiusitas tinggi bisa lebih kritis terhadap kesesuaian praktik perbankan syariah. Selain itu, perilaku keuangan terbukti mampu memoderasi pengaruh literasi keuangan syariah terhadap minat menabung, tetapi tidak memoderasi pengaruh religiusitas terhadap minat menabung. Penelitian ini memberikan implikasi bahwa peningkatan literasi dan pembentukan perilaku keuangan yang baik sangat penting dalam mendorong minat terhadap layanan perbankan syariah.
STRATEGI DAN PENGELOLAAN RISIKO PEMBIAYAAN PADA PT (PERSERO) PEGADAIAN KC KEDUNG HALANG UNIT SALABENDA BOGOR Listiawati, Rodiana; Suryani, Heti Fitri; Sukimin, Dini Ayuning Ratri; Farhani, Nuraeni Hadiati; Redyanita, Hastuti
Jurnal Abdi Insani Vol 12 No 9 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i9.2753

Abstract

The development of non-bank financial institutions in the economy is increasing, one of which is the presence of Pegadaian as a financial institution that provides loan facilities with certain collateral. The problem faced by PT Pegadaian is the increase in defaults and bad debts of customers or non performing loan. This condition is often caused by deliberate actions of customers in fulfilling their obligations, as well as a mismatch between the use of credit funds with the planned goals. Based on the above conditions, the community service team will provide assistance regarding financial literacy and managing healthy debt for pawnshop customers. The purpose of this community service activity is that the Community Service Team will conduct socialization to increase financial literacy through the introduction of pawnshop products through the introduction of financing products, especially non-pawnshop products of PT Pegadaian CP Kedunghalang. The success of this community service activity through assistance can be seen when customers have better financial planning and PT Pegadaian can provide appropriate and targeted credit and there is an increase in understanding between before and after the material is delivered through the provision of Pre-Tests and Post-Tests with result 29% raised.
Tailoring Organizational Needs: Application of Accounting Information System and Financial Management Feasibility Study Vidyasari, Rahmanita; Pratiwi, Desyria; Farhani, Nuraeni Hadiati; Hafiza, Vallida; Suhandana, Ariawan Andi
Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen Vol. 8 No. 2 (2026): Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen
Publisher : Jurusan Akuntansi Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/jraam.v8i2.006

Abstract

Purpose: this study develops and evaluates the viability of a web-based Accounting Information System (AIS) for kindergarten financial management.Method: this study employed a descriptive qualitative methodology using a case study approach. Data were collected through interviews, observations, and document analysis, and the proposed accounting information system model was developed based on the identified institutional needs. The feasibility of the system was evaluated using the TELOS framework. Results: the web-based AIS, illustrated in flowcharts and associated with school conditions and regulations, can integrate budget planning, transaction recording, and financial reporting, producing accountable outputs consistent with SAK standards. Novelty: the innovation involves modifying the TELOS-based AIS feasibility study for kindergarten facilities to address specific problems and school conditions such as inadequate financial tracking and the need for tailored budgeting processes that reflect the specific operational challenges faced by early childhood education institutions.Contribution: The adoption of this system will enhance accountability, improve the accuracy of financial reporting, and reduce the risk of fraud. Abstrak: Menyesuaikan Kebutuhan Organisasi: Penerapan Sistem Informasi Akuntansi dan Studi Kelayakan Manajemen KeuanganTujuan: Penelitian ini mengembangkan dan mengevaluasi kelayakan sistem informasi akuntansi (SIA) berbasis web untuk pengelolaan keuangan taman kanak-kanak.Metode: Penelitian ini menggunakan metodologi kualitatif deskriptif dengan pendekatan studi kasus. Data dikumpulkan melalui wawancara, observasi, dan analisis dokumen, sedangkan model sistem informasi akuntansi yang diusulkan dikembangkan berdasarkan kebutuhan kelembagaan yang teridentifikasi. Kelayakan sistem dievaluasi menggunakan kerangka kerja TELOS.Hasil: AIS berbasis web, yang digambarkan dalam diagram alur dan disesuaikan dengan kondisi serta peraturan sekolah, dapat mengintegrasikan perencanaan anggaran, pencatatan transaksi, dan pelaporan keuangan, sehingga menghasilkan output yang akuntabel dan sesuai dengan standar SAK.Kebaruan: Inovasi ini melibatkan modifikasi studi kelayakan AIS berbasis TELOS untuk fasilitas taman kanak-kanak guna mengatasi masalah spesifik dan kondisi sekolah, seperti pelacakan keuangan yang tidak memadai serta kebutuhan akan proses penganggaran yang disesuaikan untuk mencerminkan tantangan operasional khusus yang dihadapi oleh lembaga pendidikan anak usia dini.Kontribusi: Penerapan sistem ini akan meningkatkan akuntabilitas, meningkatkan akurasi pelaporan keuangan, dan mengurangi risiko kecurangan.
PERILAKU KEUANGAN IBU PEKERJA: KAJIAN EMPIRIS DENGAN MODEL MODERASI FAKTOR SOSIAL DAN EKONOMI Farhani, Nuraeni Hadiati; Sukimin, Dini Ayuning Ratri; Anggaraini, Asterina; Handoko, Azzriel Rafi; Anatalia, Grasela Lasria
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3593

Abstract

Introduction: The dual role of women is increasingly prominent, with female labor force participation reaching 54.42% and around 14.37% of them being female breadwinners. In urban areas such as Bandung City, a dynamic economic condition requires good financial planning skills to maintain family welfare. Financial literacy is an important factor in shaping healthy financial behavior, but its effectiveness can be influenced by husband support. This study aims to analyze the effect of financial literacy on the financial planning behavior of working mothers with husband support as a moderating variable and income adequacy as a control variable. Methods: This study uses a quantitative approach with a survey method. Data were collected through the distribution of questionnaires to 100 working mother respondents in Bandung City. The analysis technique used is (PLS-SEM).Results: The research results show that financial literacy has a positive effect on the financial planning behavior of working mothers. Husband support strengthens this relationship, while income adequacy also contributes positively, confirming the importance of the synergy between financial capability, partner support, and economic stability in shaping healthy financial behavior. Keywords: Financial Literacy, Financial Planning Behavior, Income, Husband Support, Working Mothers  
Co-Authors Anatalia, Grasela Lasria Anggaraini, Asterina Annisa Alifa Ramadhani Bidhari, Sandhika Cipta Chania, Siti Dede Abdul Fatah dillah, Abdillah Dini Ayuning Ratri Sukimin Efriyanto Fitriah, Hanifah Rahmah Hafiza, Vallida Hamonangan, Edward Hot Handoko, Azzriel Rafi Hastuti Redyanita Heti Suryani Fitri Ida Syafrida Khaerunnisa, Siti Nur Listiawati, Rodiana Muchtasib, Ach. Bakhrul Nurul Hasanah Petrus Hari Kuncoro Seno Pratiwi, Desyria Rimenda, Tetty Suhandana, Ariawan Andi Vidyasari, Rahmanita Zahra, Inas Afifah