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All Journal Jurnal Ilmu Ekonomi dan Pembangunan Social, Humanities, and Educational Studies (SHEs): Conference Series Sebelas Maret Business Review Kumawula: Jurnal Pengabdian Kepada Masyarakat Nuansa Indonesia Indonesian Journal of Multidisciplinary on Social and Technology Bangun Desa : Jurnal Pengabdian Masyarakat West Science Journal Economic and Entrepreneurship Velocity: Journal of Sharia Finance and Banking Indonesian Journal of Applied Accounting and Finance
Pramesti, Diah
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Mathematics Nursing Public Health Social Sciences Other

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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.
The Influence of Excellent Teller Service Based on The A3 Concept on Customer Satisfaction at PT BPR Bank Daerah Karanganyar (Perseroda) Hasanah, Fadhilah Nur; Pramesti, Diah
AKUMULASI: Indonesian Journal of Applied Accounting and Finance Vol. 3 No. 2 (2024): December
Publisher : Vocational School, Universitas Sebelas Maret (UNS), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/vxny6c56

Abstract

Competition in the banking industry drives commercial banks and BPR to improve their services, including PT BPR Bank Daerah Karanganyar (Perseroda). BPR stands for Bank Perekonomian Rakyat. Improving bank services, especially in the teller section, needs to be done to increase customer satisfaction. This research studies the effect of excellent teller service based on the concept of A3 (attitude, attention, and action) on customer satisfaction at PT BPR Bank Daerah Karanganyar (Perseroda). This study employs quantitative method, utilizing primary data collected through questionnaires distributed to 80 respondents who are the customers of PT BPR Bank Daerah Karanganyar (Perseroda). The analysis was performed using multiple linear regression. The findings indicate that the A3 variables (attitude, attention, and action) significantly influence customer satisfaction, both partially and simultaneously.
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.
Demonstration of Moringa Leaf Utilization for Micronutrient Sufficiency in Stunting Prevention in Limbangan Wetan Village, Brebes Regency Syaputra, Kurniawan Adi; Rahmanto, Dhidhin Noer Ady; Azizah, Fairuz; Pramesti, Diah; Fitriani, Fitriani; Faradita, Aulia; Ayuni, Femela Zulfa; Setyawan, Ridwan; Hasibuan, Nella Rita Suci; Ardiyanto, Ardiyanto; Tsania, Hidayatul Barika
Bangun Desa: Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2024)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jbd.2024.3(2).114-120

Abstract

This activity was motivated by the high rate of stunting in Limbangan Wetan Village. In addition, students also provided a way to process moringa leaves using milk. Demonstration of the Utilization of Moringa Leaves as Micronutrient Adequacy in Stunting Prevention Efforts in Limbangan Wetan Village, Brebes Regency. The Moringa Milk Demonstration activity was carried out at the Limbangan Wetan Village office, Brebes District, Brebes Regency, Central Java Province. The method applied was the delivery of material and demonstration of making moringa milk delivered by students of the Nutrition and Midwifery Study Program, Alma Ata University and assisted by friends from other study programs and accompanied by a question and answer session between students and pregnant women and posyandu cadres. In this demonstration, students of Nutrition and Midwifery, Alma Ata University presented material containing: definition of stunting, differences between stunting and malnutrition, characteristics of stunting, causes of stunting, impacts of stunting, how to prevent stunting, and nutritious intake to prevent stunting. The demonstration activities yielded positive outcomes, as evidenced by the high level of enthusiasm and active participation from pregnant women in Limbangan Wetan Village. These findings suggest that community-based interventions focusing on nutrition education and stunting prevention can effectively engage target groups, highlighting the importance of continued efforts to support maternal and child health in rural areas.
Efektivitas Penggunaan Moda Transportasi Umum Dengan Kendaraan Pribadi PRAMESTI, DIAH; ANDINI, NI LUH PUTU JENI; RAHARJO, DYAH AURUM KINANTHI; DWIPAYANA, ARIF DEVI
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 2 No. 1 (2024): November - Februari
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijmst.v2i1.246

Abstract

Transportasi umum merupakan upaya pemerintah Provinsi Bali dalam meningkatkan pelayanan publik khususnya pada sektor transportasi darat dengan berbasis Bus Trans Metro Dewata, berorientasi transportasi ekonomis, mudah, aman, dan nyaman. Efektivitas Trans Metro Dewata sangat menentukan keberhasilan upaya yang telah dihadirkan oleh pemerintah untuk layanan ini. Tujuan dari penelitian ini adalah agar masyarakat dapat beralih untuk menggunakan transportasi umum, sehingga jumlah masyarakat yang menggunakan kendaraan pribadi dapat ditekan, hal tersebut adalah salah satu langkah dalam mengatasi kemacetan dan polusi udara. Penelitian ini menggunakan metode analisis deskriptif kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Hasil penelitian ini menjelaskan bahwa Bus Trans Metro Dewata sudah hadir dengan fasilitas yang lengkap dan memadai serta harga yang terjangkau, tetapi minat masyarakat dalam menggunakan transportasi umum masih kurang serta masih tingginya kepemilikan kendaraan pribadi.
A STRATEGIC ROLE OF BPRS SRAGEN IN ENHANCING REGIONAL INCOME AND SUSTAINABLE FINANCE Rosdaliva, Mehilda; Pramesti, Diah; Damayanti, Rosita Mei; Martini, Endang
Jurnal Ilmu Ekonomi dan Pembangunan Vol 26, No 1 (2026): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jiep.v26i1.117305

Abstract

Sharia Rural Banks (BPRS) as Regionally-Owned Enterprises face the dual challenge of maximizing dividend contributions to Regional Original Revenue (PAD) while maintaining long-term financial sustainability. BPRS Sragen, 80.42% owned by the Sragen Regency Government, presents a strategic case for examining how regional Islamic financial institutions can optimize this dual role. This study aims to: (1) analyze ROI trends of BPRS Sragen from 2009 to 2024 as a measure of regional capital management efficiency; (2) identify internal and external strategic factors through SWOT analysis; (3) evaluate the pentahelix collaboration model involving government, academia, business, community, and media; and (4) assess the implementation of Net-Zero Bank principles as a sustainability commitment. A qualitative descriptive-analytical approach with a single case study strategy was employed. Quantitative secondary data from BPRS Sragen financial reports (2009–2024) were analyzed for ROI trends. Primary qualitative data were collected through semi-structured in-depth interviews with purposively selected informants, triangulated with internal documents and non-participant observation. Qualitative data were analyzed using Miles, Huberman, and Saldaña's interactive model. Findings indicate a consistent positive ROI trend over 16 years with dividend contributions exceeding regional targets. SWOT analysis reveals competitive strengths in local customer loyalty and government support, offset by threats from digital financial competition. Pentahelix collaboration is partially operational, with significant untapped potential in academic and media dimensions. Net-Zero Bank implementation remains nascent but aligns with Maqasid al-Shariah values. The convergence of financial efficiency, strategic planning, multi-stakeholder collaboration, and sustainability commitment positions BPRS Sragen as a replicable model for regional Islamic financial institutions. This integrative framework offers practical policy implications for BPRS governance reform across Indonesian regions, particularly in optimizing PAD contributions without sacrificing long-term sustainability.
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.
The implementation of a balanced scorecard perspective to SMEs performance Damayanti, Rosita Mei; Utami, Eva Yuniarti; Pramesti, Diah; Yuninata, Dama; Pratama, Rohmawan Adi; Pratama, Versiandika Yudha
Sebelas Maret Business Review Vol 8, No 2 (2023): December 2023
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v8i2.81155

Abstract

This paper aims to investigate the impact of implementing the balanced scorecard perspective on the performance of micro, small, and medium enterprises (SMEs) in the F&B, fashion, craft, and services sectors in Central Java and Yogyakarta. A total of 170 respondents participated in the online and offline survey, and after removing incomplete data, 164 observations were analysed. The balanced scorecard perspective, consisting of financial, customer, internal process, and organizational learning and growth perspectives, was used as an independent variable, while performance was used as a dependent variable. The research also included digitalization and control variables such as gender, education sector, and size of SMEs. The results suggest that customer satisfaction and loyalty significantly affect SMEs’ performance and profitability. Testing the implementation of the balanced scorecard across various sectors, the research finds that its effects are not significant in sectors such as fashion, craft, services, and others sectors. The research recommends emphasizing the importance of maintaining a positive relationship with customers to increase revenue and profitability. Though financial and learning variables did not have significant effects, SMEs should still consider them as they may lead to customer satisfaction.
Co-Authors Ambarwati, Valents Carollina Yuliani ANDINI, NI LUH PUTU JENI Anggraini, Viona Mega Ardiyanto Ardiyanto Arif Devi Dwipayana, Arif Devi Ayuni, Femela Zulfa Ayuninggar, Lintang Azizah, Fairuz Damayanti, Rosita Mei Dhidhin Noer Ady Rahmanto Endang Martini Faradita, Aulia Fitriani Fitriani Hasanah, Fadhilah Nur Hasibuan, Nella Rita Suci Kumalaningrum, Vania Debby Prameswary, Melinda Intan Pratama, Rohmawan Adi RAHARJO, DYAH AURUM KINANTHI Rosdaliva, Mehilda Safira, Laras Saputri, Saifa Syah Aris Setyawan, Ridwan Sukmawan, Cesar Adhin Syaputra, Kurniawan Adi Tsania, Hidayatul Barika Utami, Eva Yuniarti Versiandika Yudha Pratama Yulianti, Deva Putri Yuninata, Dama