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All Journal Ekonomi Bisnis Jurnal Pendidikan Ekonomi AFRE Accounting Financial Review STATOR: Jurnal Ilmiah Mahasiswa Teknik Mesin Jurnal Karinov Jurnal Graha Pengabdian Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Journal of Sustainable Community Service Journal of International Accounting, Taxation and Information Systems
Achmad Murdiono
Universitas Negeri Malang
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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OPTIMIZATION OF ORIGINAL VILLAGE INCOME THROUGH BUSINESS MANAGEMENT ASSISTANCE ACTIVITIES FOR VILLAGE-OWNED ENTERPRISES (BUMDES) IN SUMBEREJO VILLAGE Subagyo, Subagyo; Agus, Afwan Hariri; Murdiono, Achmad
JOURNAL OF SUSTAINABLE COMMUNITY SERVICE Vol. 4 No. 2 (2024): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jscs.v4i2.529

Abstract

BUMDes is a business entity owned by the village, where the whole or part of the capital is owned by the village through inclusion in a way originating directly from the village's resources. The development of BUMDes aims to strengthen the village's economic institutions and serve as a tool for utilizing the local economy, leveraging various potential types that exist within the village. Sumberejo Village is one of the villages in the Gedangan District, Malang Regency. The methods employed include survey methods, mentoring, and training, observing the village's potential as a creative business unit within society. The training model for BUMDes is designed by combining in-class and outdoor methods, tailored to the participants' needs, providing direct interaction opportunities for participants and BUMDes activists. The target audience for this Community Partnership Program includes BUMDes administrators/organizers and the Sumberejo Village government apparatus in the Sumberejo Subdistrict, Malang Regency. The objectives of this program are to enhance the administrators' abilities in: 1) understanding the method to map the village's asset and develop strategies for achieving village independence, 2) comprehending the method to initiate, determine the type of business, and develop BUMDes as a village-owned business institution, and 3) designing a development strategy for BUMDes to enhance the Village's Original Income. This activity is expected to contribute to the public economic empowerment by adopting BUMDes and providing solutions that can address partner problems effectively.
ASSISTANCE TO STRENGTHEN BUSINESS ORGANIZATIONAL GOVERNANCE AND FINANCIAL REPORTING TOWARDS A SUSTAINABLE COOPERATIVE BUSINESS PROCESS Murdiono, Achmad; Zen, Fadia; Istanti, Lulu Nurul
JOURNAL OF SUSTAINABLE COMMUNITY SERVICE Vol. 4 No. 4 (2024): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jscs.v4i4.771

Abstract

Regency Blitar is one of the districts in East Java province with a high number of SMEs. One sector that is growing rapidly in this area is cooperative production. Cooperatives with production business units have the potential to become key drivers of economic growth on a small scale in the Blitar Regency. However, despite the high potential for business development through cooperatives, the progress of business unit growth under cooperative management is still classified as low. Based on the analysis of this activity, several problems were identified: 1) The majority of cooperatives are developing business units without conducting feasibility analyses, making them very vulnerable to business failure. 2) Cooperative managers lack the ability to diversify their businesses. 3) The cooperative administrators' abilities in financial management and reporting are still low. This activity began with introductory activities that included a literature review, followed by field studies through secondary data. The next stage involved an internal Focus Group Discussion (FGD) aimed at identifying the real conditions of cooperatives in the field, conducted with the Blitar Regency Cooperatives and MSMEs Service. To ensure the smooth running of the activities, the executing team coordinated with the partner institution, namely the Blitar Regency Cooperatives and MSMEs Service, which is the official government body responsible for fostering cooperatives.
WORKING CAPITAL MANAGEMENT MODEL IN WOMEN'S COOPERATIVES Murdiono, Achmad; Mukhlis, Imam; Zagladi, Arief Noviarakhman
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 3 No. 1 (2023): DECEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v3i1.898

Abstract

The presence of Women's Cooperatives or also known as "Kopwan" in society is crucial for aiding the government in addressing economic challenges, reducing unemployment, enhancing family financial well-being, and tackling gender issues. Despite their significant role, the existence of Kopwan requires careful attention, as many face stagnation at the business level, attributed in part to challenges in effectively managing working capital. This qualitative descriptive research aims to elucidate the meaning, sources, and management of working capital for Kopwan, utilizing data gathered through interviews and observational methods. The qualitative descriptive approach is chosen for its ability to directly depict and interpret the phenomena occurring in the investigated field. The findings reveal that Kopwan views working capital not merely as money but also as trust and networks. The management of working capital in Kopwan encompasses planning, organizing, and monitoring stages, and the applied model has proven effective in helping cooperatives successfully navigate operational aspects and enhance financial performance.
Peran Locus of Control dalam Memoderasi Pengaruh Financial Literacy dan Financial Self-Efficacy terhadap Financial Behavior (Studi Kasus pada Generasi Milenial di Kota Malang) Ihzani, Aditya Alifi; Murdiono, Achmad
Ekonomi Bisnis Ekonomi Bisnis, Volume 27, No.1, March 2022
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v27i1p40-57

Abstract

Financial behavior yang baik perlu dimiliki oleh setiap individu, termasuk generasi milenial. Hal ini disebabkan generasi milenial telah memasuki usia kerja dimana sebagian dari mereka telah bekerja dan memulai hidup mandiri sehingga diperlukan komitmen dalam mengelola keuangan. Financial behavior pada generasi milenial dipengaruhi oleh literasi keuangan dan efikasi diri keuangan. Oleh karena itu, tujuan riset ini adalah membahas bagaimana pengaruh financial literacy dan financial self-efficacy terhadap financial behavior generasi milenial di Kota Malang yang dimoderasi oleh locus of control. Jenis penelitian yang digunakan adalah penelitian sebab-akibat yang menggunakan pendekatan kuantitatif. Kuesioner melalui google form digunakan sebagai teknik pengumpulan data dan dibagikan kepada 432 responden sebagai sampel penelitian. Analisis Structural Equation Modeling (SEM) merupakan metode analisis yang dipilih untuk mengolah data hasil jawaban responden dan menjawab hipotesis penelitian ini dengan menggunakan aplikasi AMOS 26. Hasil uji hipotesis membuktikan bahwa 1) Financial literacy berpengaruh positif dan signifikan terhadap financial behavior; 2) Financial self-efficacy terbukti tidak berpengaruh terhadap financial behavior. Hasil uji moderasi membuktikan bahwa 1) Locus of control secara signifikan mampu memoderasi pengaruh financial literacy terhadap financial behavior; 2) Locus of control tidak mampu memoderasi pengaruh financial self-efficacy terhadap financial behavior. Hasil penelitian ini memberikan rekomendasi kepada Lembaga Keuangan untuk dapat mengembangkan program peningkatan literasi keuangan berupa seminar yang dapat bekerja sama dengan institusi/perusahaan tempat milenial bekerja. Peningkatan literasi keuangan di kalangan pekerja milenial dapat bermanfaat bagi pengelolaan keuangan pribadi serta dapat menjadi bekal bagi pengelolaan keuangan rumah tangga yang bertanggung jawab di masa depan
Pengaruh Financial Knowledge, Financial Attitude, Dan Financial Experience Terhadap Financial Management Behavior Dengan Gender Sebagai Variabel Moderasi (Studi Pada Mahasiswa Perguruan Tinggi Negeri Kota Malang) Mukhbitah, Faiq Nafisatul; Murdiono, Achmad
Ekonomi Bisnis Vol 28, No 1 (2023): EKONOMI BISNIS March 2023
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v28i1p32-51

Abstract

Dengan gender sebagai variabel moderasi, penelitian ini bertujuan untuk mengungkap variabel-variabel yang berpotensi mempengaruhi perilaku pengelolaan keuangan di kalangan mahasiswa PTN di Kota Malang, antara lain financial knowledge, financial attitude, dan financial experience. Penulis mengumpulkan data dengan membagikan kuesioner menggunakan google form terhadap 449 mahasiswa perguruan tinggi negeri di Kota Malang. Data dianalisis dengan menggunakan teknik analisis Structural Equation Modeling (SEM) pada software Smartpls 4.0. Hasil penelitian menunjukkan bahwa financial knowledge dan financial experience berpengaruh terhadap financial management behaviour. Sementara financial attitude, serta peran gender sebagai variabel moderasi tidak berpengaruh terhadap financial management behaviour pada mahasiswa PTN di Kota Malang. Hasil penelitian ini diharapkan menjadi informasi kepada mahasiswa PTN di Kota Malang guna meningkatkan perilaku pengelolaan keuangan.
INFLUENCE OF FINANCIAL KNOWLEDGE AND RELIGIOSITY TOWARDS FINANCIAL MANAGEMENT BEHAVIOR WITH FINANCIAL ATTITUDE AS A MODERATION VARIABLE Zen, Fadia; Murdiono, Achmad; Istanti, Lulu Nurul
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 3 No. 2 (2024): JANUARY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v3i2.895

Abstract

Indonesia is one of the countries with a primarily small and medium-sized enterprise (SME) based economy. Cooperatives are a vital component of Indonesia's economic landscape, and their development is not limited to conventional cooperatives initiated by the community. It also extends to cooperative groups associated with Islamic boarding schools. These boarding schools serve not only as religious and social education institutions but also as agents of societal development and social change. Despite their potential for economic empowerment, the progress of cooperative boarding schools tends to be slower compared to conventional cooperatives. This research aims to examine the influence of financial knowledge and religiosity on financial management behavior, with financial attitude as a moderating variable. The study employs a quantitative approach and targets Kopontren administrators in the Regency of Blitar, using Confirmatory Factor Analysis (CFA) tests and the Structural Equation Modeling (SEM) method. The research findings indicate that financial attitude and religiosity have an impact, with financial attitude serving as a moderator in the relationship between financial knowledge and financial management behavior. However, religiosity does not have a significant influence on financial management behavior. The results of this research are expected to provide a foundation for developing a model of financial management behavior for Kopontren administrators and government initiatives aimed at empowering Kopontren institutions.
Reconstructing the Performance Management System of a Legal Entity University (PTN-BH) using the SMART Model: a Strategic Approach to Achieving World-Class University Murdiono, Achmad; Pujianto, Utomo; Raharjo, Swasono; Martha, Jefry Aulia; Murad, Safwan Marwin Abdul
Ekonomi Bisnis Vol 29, No 3 (2024): EKONOMI BISNIS NOVEMBER 2024
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v29i3p134-140

Abstract

The change in status of a Higher Education Institution (PT) to a PTN BH is road going to independence in exploit Resources owned in a way creative and innovative in build Human Resources in Indonesia. In addition, PTNBH is also required own good reputation in ranking national or international. In order to reach objective mentioned, required management institutional apply system management guaranteed performance development sustainable. In addition, the system management developed performance No Again absorption oriented budget, but also optimization budget (efficiency and efficiency). Reconstruction system management performance in study This use SMART approach (Specific, Measurable, Achievable, Relevant, and Time- bound). The approach used in this research This is Research and Development (RnD). Stages study This is (1) stage Study introduction (data collection); (2) stage preparation of grand design; (3) trial stage expert and scale limited; (4) trial and refinement stage scale big. Data is already obtained from results trials will done analysis descriptive For get material as analysis research. Based on model test results obtained results that based on three aspect that is appearance, materials and benefits assessed very well by the work unit leader and capable make it easier time planning in compile plan activities and budget year walk.
Analysis of The Impact of Political Connections and Ownership Structure on Corporate Performance (A Study on Companies Listed on BEI 2015-2019) Zen, Fadia; Murdiono, Achmad; Istanti, Lulu Nurul; Pradana, Deni Bagas; Nofianti, Siska Krisdiana
Journal of International Accounting, Taxation and Information Systems Vol. 1 No. 3 (2024): August
Publisher : CV. Proaksara Global Transeduka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70865/jiatis.v1i3.59

Abstract

The aim of this study is to understand the differences in the impact of government and political connections, considering various ownership structures, leverage, and company size, on corporate performance. Focusing on political connections during the Jokowi regime, we analyze based on 2843 observations of companies listed in Indonesia. Additionally, we use OLS regression and address endogeneity problems with Robust Standard Error, resulting in new regression outcomes free from endogeneity issues. Our findings indicate that in the Jokowi regime, political connections significantly enhance corporate performance. Furthermore, the business landscape in Indonesia is dominated by conglomerates, family-owned businesses, and politicians. These findings can assist regulators and standard setters in considering future ownership structures, especially in state-owned enterprises, tender restrictions, and good corporate governance supervision, helping to devise the best strategies to improve welfare and reduce the excessive control of conglomerates in Indonesia. Instead of incremental work, this study focuses on corporate performance from a broader dimension of political connections, also examining the influence of other variables central to numerous research studies.
The Influence of Financial Technology on the Performance of MSMEs in the Regency Blitar : Effect Financial Literacy Mediation Murdiono, Achmad; Zen, Fadia; Istanti, Lulu Nurul
Journal of International Accounting, Taxation and Information Systems Vol. 1 No. 3 (2024): August
Publisher : CV. Proaksara Global Transeduka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70865/jiatis.v1i3.60

Abstract

The Pancasila democratic economic system places MSMEs as one of the ideal locomotives for driving the national economy. Financial technology (Fintech) presents a paradigm shift in the financial and business sectors, one of which is the development of Fintech in the MSME scale industry. The focus object in this research is Blitar district MSMEs administrators who use fintech under the coordination of the Blitar District MSMEs and MSMEs Service. From variable testing, we can find out the impact of financial technology on the performance of MSMEs with financial literacy as a mediating variable. This research uses a quantitative approach which is descriptive, meaning that data analysis is quantitative, data collection uses research instruments which are also used to examine populations and samples to test the hypotheses that have been applied. The research results show that Fintech does not affect the performance of MSMEs and financial literacy is able to moderate the influence of Fintech on the performance of MSMEs. Variables such as sales turnover, profitability and asset growth do not show significant differences between MSMEs that use Fintech and those that do not use Fintech. These findings indicate that the benefits of Fintech have not been fully felt by MSMEs.
Transformation of Cooperative Financial Governance Through Implementation of Cooperative Accounting Information System (SIKOP) Based on SAK EP in Blitar Regency Murdiono, Achmad; Zen, Fadia; Subagyo, Subagyo
JOURNAL OF SUSTAINABLE COMMUNITY SERVICE Vol. 5 No. 2 (2025): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jscs.v5i2.967

Abstract

Cooperatives are one of the important pillars in the economic development of the community, especially in Blitar Regency. However, many cooperatives still face serious challenges in accountable and transparent financial governance. The low understanding of Private Entity Financial Accounting Standards (SAK EP) and the limited use of information technology are the main obstacles in preparing reliable financial reports. This community service activity aims to transform cooperative financial governance through the development and implementation of the Cooperative Accounting Information System (SIKOP) based on SAK EP. The approach used is Participatory Action Research (PAR), involving 30 production cooperatives in Blitar Regency as partners. The activities were carried out through the stages of identifying needs, developing systems, intensive training, and assisting in implementation and evaluation. The results of the activities showed a significant increase in the understanding and skills of cooperative administrators in preparing financial reports according to standards, as well as increasing the efficiency and accuracy of recording financial transactions. With the implementation of SIKOP, partner cooperatives also showed increased transparency and accountability which had an impact on member trust and potential access to funding. This program shows that digitizing SAK EP-based financial reports through SIKOP can be an effective solution in building professional, accountable, and sustainable cooperative governance.
Co-Authors Afwan Hariri Ahmad Aji Ubaidillah Kari Andi Basuki Andreas Syah Pahlevi Arief Noviarakhman Zagladi Darmawan Subangkit Djoko Dwi Kusumajanto, Djoko Dwi Ely Siswanto Fadia Zen Fitriana Fitriana Ihzani, Aditya Alifi Imam Mukhlis Jefri Aulia Martha Lulu Nurul Istanti M Edoward Ramadhan Maelly Widiana Putri Martha, Jefry Aulia Mukhbitah, Faiq Nafisatul Murad, Safwan Marwin Abdul Nabila Rizqi Maimunah Nik Mohd Hazrul Nik Hashim Nofianti, Siska Krisdiana Pradana, Deni Bagas Rika Dwiqoryah Robertoes Koekoeh KW Salahuddin Junus Siska Krisdiana Nofianti Sopiah, Sopiah Subagyo Subagyo Surya Hadi Prabowo Swasono Raharjo, Swasono Utomo Pujianto Yuni Hermawan