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All Journal Social, Humanities, and Educational Studies (SHEs): Conference Series Kumawula: Jurnal Pengabdian Kepada Masyarakat Nuansa Indonesia West Science Journal Economic and Entrepreneurship Velocity: Journal of Sharia Finance and Banking
Pramesti, Diah
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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PENINGKATAN LITERASI LEMBAGA KEUANGAN PADA PELAKU UMKM DI KAMPUNG WISATA BALUWARTI KOTA SURAKARTA Martini, *Endang; Ayuninggar, Lintang; Damayanti, Rosita Mei; Pramesti, Diah; Rosdaliva, Mehilda; Yulianti, Deva Putri; Prameswary, Melinda Intan; Ambarwati, Valents Carollina Yuliani
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 3 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i3.48824

Abstract

 Sektor keuangan memanfaatkan perkembangan teknologi dengan melakukan inovasi berupa FinTech, yaitu inovasi dengan konsep digitalisasi pembayaran. FinTech terdiri dari P2P lending atau sering disebut pinjaman online, membuat pelaku pelaku usaha kecil dan menengah tertarik menggunakan layanan tersebut. Inovasi tersebut tidak dibarengi dengan pemahaman mengenai literasi lembaga keuangan khususnya pelaku usaha kecil dan menengah menyebabkan terjadinya 19,711 kasus pinjaman online illegal. Kegiatan pengabdian masyarakat bertujuan memberi pemahaman kepada pelaku usaha kecil dan menengah mengenai literasi lembaga keuangan. Dengan metode sosialisasi terkait dengan literasi lembaga keuangan kepada pelaku usaha kecil dan menengah di Kampung Wisata Baluwarti Kota Surakarta. Hasil kegiatan ini yaitu telah melakukan sosialisasi dan penyuluhan serta workshop dan pelatihan pengelolaan keuangan oleh tim pengabdian kepada masyarakat. Meskipun kegiatan ini telah selesai, tetapi monitoring dan evaluasi terus dilakukan secara berkelanjutan. The financial sector takes advantage of technological developments by innovating in the form of FinTech, namely innovation with the concept of digitizing payments. FinTech consists of P2P lending or often called online lending, making small and medium businesses interested in using the service. This innovation was not accompanied by an understanding of financial institution literacy, especially small and medium business actors, causing 19,711 cases of illegal online loans. Community service activities aim to provide understanding to small and medium business actors regarding financial institution literacy. Through the socialization method related to financial institution literacy to small and medium business actors in the Baluwarti Tourism Village, Surakarta City. The results of this activity were socialization and counseling as well as workshops and training on financial management by the community service team. Even though this activity has been completed, monitoring and evaluation continue to be carried out on an ongoing basis. 
The Effect of Bank Soundness Factors on Sharia Bank Performance in Indonesia Pramesti, Diah; Damayanti, Rosita Mei
Velocity: Journal of Sharia Finance and Banking Vol 3 No 2 (2023): November
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v3i2.1334

Abstract

This study examines the impact of bank soundness factors on the performance of Sharia banks in Indonesia using the Risk, Good Corporate Governance, Earning, Capital (RGEC) approach. This study is quantitative research and the data analysis technique used is a multiple linear regression analysis test, with the hypothesis test used as the t-test and the F-test. The population of this study is all Sharia commercial banks in Indonesia listed in OJK during the 2017-2022 period. The sample used in this study was selected using a purposive sampling method. The study concludes that Good Corporate Governance (GCG), Return on Equity (ROE), and Operating Costs to Operating Income (BOPO) have a significant impact on net income/loss. Furthermore, all RGEC variables have a simultaneous effect on bank performance, explaining half of the impact.
Implementation of Balanced Scorecard in Corporate Strategic Management Utami, Eva Yuniarti; Damayanti, Rosita Mei; Pramesti, Diah; Yuninata, Dama; Pratama, Rohmawan Adi
West Science Journal Economic and Entrepreneurship Vol. 1 No. 02 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v1i02.266

Abstract

This study looks into how the Balanced Scorecard (BSC) was implemented in a West Javan manufacturing company and how it affected strategic management and organizational performance. A mixed-methods approach was used, integrating quantitative data obtained from surveys and performance measures with qualitative data from in-depth interviews and document analysis. The qualitative results draw attention to the intricate implementation process, which includes communication tactics, strategic goal-setting, and ongoing modification. Difficulties were noted, including resistance to change and worries about an increase in workload. Positive employee attitudes, greater alignment with company goals, and advancements in financial and operational measures are all indicated by the quantitative outcomes. The study offers insightful information to companies thinking about implementing BSC, highlighting the significance of open communication, staff involvement, and ongoing adaption for success.
Peningkatan Literasi dan Edukasi Perencanaan Keuangan dalam Keluarga dalam Upaya Preventif Masalah Keuangan Martini, Endang; Damayanti, Rosita Mei; Pramesti, Diah; Rosdaliva, Mehilda; Ayuninggar, Lintang; Safira, Laras; Anggraini, Viona Mega; Saputri, Saifa Syah Aris; Kumalaningrum, Vania Debby; Sukmawan, Cesar Adhin
Social, Humanities, and Educational Studies (SHES): Conference Series Vol 8, No 3 (2025): Social, Humanities, and Educational Studies (SHEs): Conference Series
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/shes.v8i3.107282

Abstract

Financial planning within the family is essential for achieving long-term financial stability and sustainability. Through effective planning, families can manage their income wisely, minimize financial risks, and ensure the fulfillment of future needs. This community service program aims to enhance family financial literacy, focusing on the prevention of financial problems and the development of skills to manage household finances more efficiently and effectively.The methods applied in this program included awareness-building sessions, training, and direct assistance to the members and leaders of the Family Welfare Empowerment (PKK) group in RW 12, Gentan Village, Baki District, Sukoharjo Regency. Participants were trained in recording, archiving, and documenting their financial transactions. The results of the program indicated that most participants had not yet adopted structured family financial planning. Many still struggled with debt issues and were unaccustomed to saving regularly. Nevertheless, participants expressed high enthusiasm and acknowledged that the training provided valuable insights and benefits in improving their household financial management.Perencanaan keuangan dalam keluarga penting untuk mencapai kestabilan dan keberlanjutan finansial jangka panjang. Melalui perencanaan yang efektif, keluarga dapat mengelola pendapatan dengan bijaksana, mengurangi risiko finansial, serta memastikan pemenuhan kebutuhan di masa depan. Tujuan program pengabdian kepada masyarakat ini adalah untuk meningkatkan literasi keuangan keluarga, dengan fokus pada pencegahan masalah keuangan serta pengembangan kemampuan dalam mengelola keuangan keluarga secara lebih efisien dan efektif. Metode yang diterapkan dalam kegiatan ini mencakup sosialisasi pengarahan, pelatihan, dan pendampingan langsung kepada pengurus dan anggota PKK di RW 12, Kelurahan Gentan, Kecamatan Baki, Kabupaten Sukoharjo. Peserta dilatih untuk melakukan pencatatan, pengarsipan, dan dokumentasi transaksi keuangan mereka. Hasil dari pelaksanaan kegiatan ini menunjukkan bahwa mayoritas peserta belum menerapkan perencanaan keuangan keluarga, sebagian besar masih menghadapi permasalahan utang dan belum terbiasa menabung. Meskipun demikian, peserta menunjukkan antusiasme yang tinggi dan mengungkapkan bahwa pelatihan ini memberikan pengetahuan dan manfaat dalam meningkatkan pengelolaan perencanaan keuangan keluarga. .
Literasi Keuangan dan Perilaku Perencanaan Keuangan Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo Pramesti, Diah; Martini, Endang; Damayanti, Rosita Mei; Rosdaliva, Mehilda; Ayuninggar, Lintang
Social, Humanities, and Educational Studies (SHES): Conference Series Vol 8, No 3 (2025): Social, Humanities, and Educational Studies (SHEs): Conference Series
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/shes.v8i3.107261

Abstract

This study aims to examine financial literacy and financial planning behavior among housewives in Kelurahan Gentan, Baki, Sukoharjo. A survey conducted by the Financial Services Authority (OJK) indicates that financial literacy among housewives remains lower than financial inclusion, which may influence household financial planning. This research adopts a descriptive quantitative approach, utilizing primary data collected through questionnaires. The study population comprises housewives residing in Kelurahan Gentan, Baki, Sukoharjo, with a sample of 85 respondents selected using random sampling. The data were analyzed using descriptive statistics. The findings reveal financial literacy through behaviors such as saving, borrowing from financial institutions, and investing. However, there are inconsistencies in expense recording and a lack of investment activity. Although financial planning is generally practiced, it remains inconsistent. These findings highlight the importance of empowerment and mentoring programs for women, particularly housewives, in financial management.Penelitian ini bertujuan untuk mengetahui literasi keuangan dan perilaku perencanaan keuangan pada Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Survey OJK menunjukkan literasi keuangan pada Ibu Rumah Tangga masih lebih rendah dibandingkan inklusinya, sehingga dapat berpengaruh pada perencanaan keuangan keluarga. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan sumber data primer yang diperoleh menggunakan kuesioner. Populasi dari penelitian adalah Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Sampel sebanyak  85 orang dengan metode random sampling dengan teknik analisis menggunakan statistik deskriptif. menunjukkan literasi keuangan dari perilaku menabung, meminjam uang dari lembaga keuangan dan melakukan investasi. Namun, masih terdapat pencatatan pengeluaran yang belum konsisten, serta belum melakukan investasi. Perencanaan keuangan keluarga sendiri sudah banyak dilakukan namun belum konsisten. Hal ini memberikan gambaran pentingnya program pemberdayaan dan pendampingan perempuan, khususnya Ibu Rumah Tangga dalam pengelolaan keuangan.
ANALISIS WACANA KRITIS NOVEL LAYAR TERKEMBANG KARYA SUTAN TAKDIR ALISJAHBANA Pramesti, Diah
Nuansa Indonesia Vol 24, No 1 (2022)
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/ni.v24i1.71381

Abstract

Abstrak Permasalahan yang dibahas dalam penelitian ini adalah bagaimanakah representasi perempuan modern dalam novel Layar Terkembang karya Sutan Takdir Alisjahbana. Tujuan penelitian ini adalah mendeskripsikan representasi perempuan modern dalam novel Layar Terkembang. Jenis penelitian ini adalah kualitatif yang bersifat deskriptif. Data dalam penelitian ini adalah kata-kata dan kalimat yang di dalamnya terdapat pilihan kosakata atau diksi, metafora, proses tindakan, dan koherensi yang menampilkan pemikiran modern dalam novel. Sumber data penelitian ini adalah novel Layar Terkembang karya Sutan Takdir Alisjahbana. Teknik pengumpulan data menggunakan teknik pustaka, teknik simak, dan teknik catat. Teknik analisis data melalui metode padan. Kemudian, dilanjutkan dengan teknik lanjutan, yaitu dengan daya pilah referensial. Simpulan dari penelitian ini adalah novel Layar Terkembang menggunakan kata eksperensial untuk mengangkat sebuah sikap perempuan baru, menggunakan kata ekspresi untuk mengungkap penilaian terhadap perempuan modern yang ditampilkan dalam novel Layar terkembang. Penggunaan metafora untuk menampilkan citra positif terhadap perempuan baru. Dalam tata kalimat, proses material berupa aktor manusia, proses mental menggunakan sensor manusia dengan manusia yang menampilkan persepsi Tuti yang menolak pertunangannya dengan Hambali serta proses perilaku yang ditampilkan oleh perempuan baru. Kata kunci: novel, ideologi, Norman Fairclough
Co-Authors Ambarwati, Valents Carollina Yuliani Anggraini, Viona Mega Ayuninggar, Lintang Damayanti, Rosita Mei Endang Martini Kumalaningrum, Vania Debby Prameswary, Melinda Intan Pratama, Rohmawan Adi Rosdaliva, Mehilda Safira, Laras Saputri, Saifa Syah Aris Sukmawan, Cesar Adhin Utami, Eva Yuniarti Yulianti, Deva Putri Yuninata, Dama