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Educating Small and Medium Enterprises (SMEs) in Understanding Financial Literacy Budi Setiawan
ABDIMAS: Jurnal Pengabdian Masyarakat Vol. 7 No. 3 (2024): ABDIMAS UMTAS: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM Universitas Muhammadiyah Tasikmalaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35568/abdimas.v7i3.4975

Abstract

Financial literacy and inclusion are crucial for Small and Medium Enterprises (SMEs) to remain competitive. However, many SMEs have a limited understanding of the concepts and applications of financial literacy, facing challenges in financial management and business development. This community service activity aims to educate SMEs about financial literacy, using an approach based on the problems faced by SMEs in Palembang and reports from the Financial Services Authority (OJK) regarding the gap between financial inclusion and literacy in Indonesia. The results of this service show that educational programs focused on real-life examples are highly effective in improving SMEs' understanding of financial literacy. The appropriate use of approaches and ongoing mentoring also significantly contribute to increasing SMEs' knowledge. Questionnaire evaluations show an increase in financial literacy, including knowledge of numeracy, inflation, and risk diversification between pre- and post-training. Therefore, structured and sustainable training programs are essential for supporting the growth and sustainability of SMEs. This program enables SMEs to leverage knowledge and understanding for better financial management and sustainable business innovation. Additionally, such training supports the United Nations program on Sustainable Development Goal Number 8 related to economic growth.  
Pengaruh Strategi Promosi terhadap Keputusan Konsumen dalam Pembelian Kosmetik Sari Ayu di Outlet Mall Palembang Icon Annisa, Nadya; Roswaty, Roswaty; Setiawan, Budi
Jurnal Nasional Manajemen Pemasaran dan SDM Vol. 1 No. 2 (2020): Jurnal Nasional Manajemen Pemasaran dan SDM
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/jnmpsdm.v1i2.127

Abstract

Abstrak Penelitian ini bertujuan untuk melihat pengaruh strategi promosi terhadap keputusan konsumen dalam pembelian kosmetik Sari Ayu di outlet Mall Palembang Icon atau bisa juga disebut dengan PT. Martina Berto Tbk yang bertepatan di jalan POM IX. Penelitian ini merupakan penelitian deskriptif kuantitatif dengan jumlah sampel sebanyak 70 responden, sedangkan teknik pengambilan sampel yang digunakan dalam penelitian ini adalah sampling kebetulan (Accidental). Pada penelitian ini variabel bebasnya terdiri dari Strategi Promosi, sedangkan variabel terikatnya adalah keputusan pembelian. Pengujian instrumen menggunakan uji validitas dan reliabilitas. Sedangkan metode analisis data menggunakan analisis regresi linier sederhana dengan uji t, R, dan R2. Hasil perhitungan uji t sebesar t hitung X (Strategi Promosi) sebesar 10,679 pada tingkat sig 0,000. Hasil uji koefisien Korelasi (R) diperoleh nilai sebesar 0,791 menunjukan bahwa hubungan antara variabel X (Strategi Promosi) mempunyai hubungan yang kuat terhadap variabel Y (keputusan pembelian). Hasil uji koefisien determinasi (R2) menunjukan Adjusted R Square 0,626 atau 62,6%. Hasil perhitungan uji regresi linier sederhana sebesar Y= -0,922-1,007X. Hasil dari penelitian ini mengatakan bahwa Strategi Promosi memiliki pengaruh positif terhadap keputusan pembelian. Abstract This study aims to see the effect of promotional strategies on consumer decisions in purchasing Sari Ayu cosmetics at the Palembang Icon Mall outlet or also known as PT. Martina Berto Tbk which coincides on Jalan POM IX. This research is a quantitative descriptive study with a total sample of 70 respondents, while the sampling technique used in this study is accidental sampling. In this study, the independent variable consists of the Promotion Strategy, while the dependent variable is the purchase decision. Testing instruments using validity and reliability tests. While the data analysis method uses simple linear regression analysis with t, R, and R2 tests. The result of t test calculation is t count X (Promotion Strategy) of 10.679 at the sig 0.000 level. The results of the correlation coefficient test (R) obtained a value of 0.791, indicating that the relationship between variable X (Promotion Strategy) has a strong relationship with variable Y (purchase decision). The test results of the coefficient of determination (R2) show Adjusted R Square 0.626 or 62.6%. The calculation result of simple linear regression test is Y = -0,922-1,007X. The results of this study indicate that the Promotion Strategy has a positive influence on purchasing decisions.
Peningkatan literasi dan inklusi keuangan bagi pelaku UMKM di Desa Lembak Setiawan, Budi
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 3 (2025): May
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i3.30427

Abstract

Abstrak Usaha, Mikro, Kecil dan Menengah (UMKM) memiliki peran strategis dalam perekonomian, namun banyak pelaku usaha menghadapi tantangan dalam pengelolaan keuangan, termasuk pencatatan transaksi, pengelolaan modal, serta pemahaman terhadap akses pembiayaan. Kurangnya literasi keuangan dapat menghambat pertumbuhan usaha dan keberlanjutan bisnis. Program pengabdian ini bertujuan untuk meningkatkan literasi keuangan bagi pelaku UMKM di Desa Lembak, Kabupaten Ogan Ilir, Provinsi Sumatera Selatan guna mendukung pengelolaan usaha yang lebih baik dan berkelanjutan. Kegiatan ini melibatkan 40 pelaku UMKM yang terdiri dari berbagai sektor usaha, seperti perdagangan, kuliner, dan kerajinan kain songket dan tenun. Metode pelaksanaan meliputi sosialisasi tentang literasi keuangan, pelatihan interaktif, serta pendampingan langsung dalam penyusunan laporan keuangan sederhana dan strategi perencanaan keuangan usaha. Materi yang disampaikan mencakup dasar-dasar manajemen keuangan, teknik pencatatan keuangan berbasis digital, serta akses permodalan dari lembaga keuangan formal. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap informasi dasar keuangan mencakup numerasi, inflasi dan divesrifikasi risiko. Dengan adanya program ini, diharapkan pelaku UMKM di Desa Lembak dapat mengembangkan usaha secara lebih berkelanjutan dan meningkatkan daya saing di pasar, sekaligus berkontribusi pada pencapaian Tujuan Pembangunan Berkelanjutan (Sustainable Development Goals/SDGs) nomor 8, yaitu Pekerjaan Layak dan Pertumbuhan Ekonomi. Kata kunci: literasi keuangan; inklusi keuangan; UMKM Desa; keuangan UMKM; SDG8 Abstract Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the local economy. However, many business owners face challenges in financial management, including transaction recording, capital management, and understanding access to financing. A lack of financial literacy can hinder business growth and sustainability. This community service program aims to enhance financial literacy among MSME actors in Lembak Village, Ogan Ilir Regency, South Sumatra Province, to support better and more sustainable business management. This initiative involves 40 MSME participants from various business sectors, including trade, culinary, and traditional Songket and Tenun weaving crafts. The implementation methods include socialization on financial literacy, interactive training, and direct assistance in preparing simple financial reports and business financial planning strategies. The materials delivered cover the basics of financial management, digital-based financial recording techniques, and access to capital from formal financial institutions. The results of the activities indicate an increase in participants' understanding of basic financial information, including numeracy, inflation, and risk diversification. Through this program, it is expected that MSME actors in Lembak Village can develop their businesses more sustainably and enhance their competitiveness in the market while also contributing to the achievement of Sustainable Development Goal (SDG) No. 8: Decent Work and Economic Growth. Keywords: financial literacy; financial inclusion; rural MSMEs; SME finance; SDG8