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All Journal Jurnal Riset Ekonomi & Bisnis Riset Manajemen dan Akuntansi Neo-Bis Tesa Arsitektur Briliant: Jurnal Riset dan Konseptual Jurnal Mirai Management Jurnal Riset Pendidikan Ekonomi Jurnal Dinamika Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business Jurnal Pendidikan Ekonomi (JURKAMI) OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Jurnal Manajemen Dedication : Jurnal Pengabdian Masyarakat Procuratio : Jurnal Ilmiah Manajemen Jurnal Ilmu Manajemen MANAJEMEN DEWANTARA Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Dialektika: Jurnal Ekonomi dan Ilmu Sosial Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Focus : Jurnal Pekerjaan Sosial Journal of Management and Bussines (JOMB) Jurnal Pengabdian kepada Masyarakat Nusantara Nusantara Science and Technology Proceedings JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Pengabdian Masyarakat (ABDIRA) Jurnal Pengabdian Kepada Masyarakat Patikala Al-Buhuts (e-journal) Veteran Society : Jurnal Pengabdian Masyarakat Batara Wisnu : Indonesian Journal of Community Services East Asian Journal of Multidisciplinary Research (EAJMR) AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Journal of Economics Development Issues Management Science Research Journal JURNAL BESEMAH Jurnal Bisnis Manajemen dan Akuntansi International Journal of Economics (IJEC) Literasi: Jurnal Pengabdian Masyarakat dan Inovasi Jurnal Ekbis (Ekonomi & Bisnis) Cakrawala: Jurnal Pengabdian Masyarakat Global Cerdika: Jurnal Ilmiah Indonesia Innovative: Journal Of Social Science Research Dedication : Jurnal Pengabdian Masyarakat Jurnal Pengabdian Kepada Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis JHSS (Journal of Humanities and Social Studies) Jati Emas (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) IDEI: JURNAL EKONOMI & BISNIS ALKHIDMAH: Jurnal Pengabdian dan Kemitraan Masyarakat
Nurjanti Takarini
Faculty Of Economics And Business, Universitas Pembangunan Nasional “Veteran” Jawa Timur, Surabaya 60294, Indonesia
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The THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL ATTITUDE, AND INCOME ON FINANCIAL MANAGEMENT BEHAVIOR AMONG MSME ACTORS IN SIDOWUNGU VILLAGE, GRESIK REGENCY Fitriana, Divany Ade; Takarini, Nurjanti
Management Science Research Journal Vol. 4 No. 4 (2025): November 2025
Publisher : PT Larva Wijaya Penerbit

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56548/msr.v4i4.181

Abstract

Financial management behavior is an individual's ability to manage, which includes planning, budgeting, auditing, controlling, managing, sourcing, and storing daily financial funds. This study aims to analyze the influence of financial literacy, financial attitude, and income on financial management behavior among Micro, Small, and Medium Enterprises (MSMEs) actors in Sidowungu Village, Gresik Regency. This research uses a quantitative approach; the population in this study consists of MSME actors in Sidowungu Village, Gresik Regency. The sample used in this study consisted of 80 respondents, determined using a non-probability sampling technique with a saturated sampling method. Data were collected through questionnaire distribution and analyzed using Structural Equation Modeling (SEM) with the assistance of Partial Least Squares (PLS). Research results indicate that financial literacy, financial attitude, and income affect the financial management behavior of SMEs. There is a relationship where higher financial literacy, positive financial attitudes, and more stable income tend to lead to more orderly cash flow management, transaction recording, and effective financial planning.
Analysis Of The Influence Of Social Media Influencers, Herding Bias, Information Quality On Student Invesment Decisions UPN ‘Veteran’ East Java Mediated By Fear Of Missing Out (FOMO) Winda Amalia Sari; Takarini, Nurjanti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol. 9 No. 2 (2025): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.86

Abstract

This study examines the effects of social media influencers, herding bias, and information quality on the investment decisions of 119 UPN Veteran East Java students, with FOMO as a mediator. Using PLS-SEM analysis via SmartPLS, results show that herding bias (β = 0,002, p < 0.05) and information quality (β = 0,001, p < 0.05) directly influence investment decisions, while social media influencers affect decisions indirectly through FOMO (β = 0,331, p < 0.05). FOMO significantly mediates the relationship between these factors and investment behavior, highlighting the key role of social and psychological influences in students’ digital investment choices.
Pengaruh Profitabilitas, Leverage, dan Earning Per Share (EPS) terhadap Harga Saham Perusahaan Sektor Teknologi yang Terdaftar di BEI Firansiska Sukirno, Adelia; Takarini, Nurjanti
Jurnal Riset Pendidikan Ekonomi Vol. 10 No. 2 (2025): OKTOBER 2025
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jrpe.v10i2.12386

Abstract

This study aims to examine the influence of profitability, leverage, and Earning Per Share (EPS) on stock prices within an industry. The ratios used as independent variables are Return On Asset (ROA), Debt to Equity Ratio (DER), and EPS (market ratio), while the dependent variable is stock price. The research focuses on companies in the technology sector that actively trade shares and are listed on the Indonesia Stock Exchange (IDX) during the period from 2019 to 2021. The data collection method used is purposive sampling with a quantitative approach employing multiple linear regression analysis using SPSS version 23. Based on the results of the analysis, It was found that the variables profitability and leverage did not contribute to the stock prices of technology sector companies. Meanwhile, EPS contributed to the stock prices of technology companies listed on the Indonesia Stock Exchange (IDX).
Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Financial Technology Terhadap Minat Investasi Generasi Z Kabupaten Sidoarjo Okvily, Ihcya; Takarini, Nurjanti
BRILIANT: Jurnal Riset dan Konseptual Vol 10 No 4 (2025): Volume 10 Nomor 4, November 2025
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/briliant.v10i4.2053

Abstract

Investment is crucial not only for ensuring financial independence in the future but also for protecting asset value against inflation. However, public interest in investment in Indonesia remains low, despite its potential to support the growth and stability of the capital market. This study aims to identify factors influencing investment interest, focusing on the roles of financial technology, financial inclusion, and financial literacy. The study's population consists of Generation Z members residing in Sidoarjo, with a sample of 100 respondents selected purposively using the Slovin formula. Primary data was collected through surveys, and analysis was conducted using SmartPLS. The results show that financial technology, financial inclusion, and financial literacy have a positive impact on investment interest. These findings suggest that increasing access to financial services, such as Investment Galleries and stock account openings, can enhance Generation Z’s interest in investing. Therefore, improving access and financial education could be key in encouraging more people, especially the younger generation, to participate in the capital market. The implications of this study highlight the need for policymakers and financial institutions to design targeted programs that strengthen financial awareness and accessibility for young investors.
Pengaruh Literasi Keuangan, Gaya Hidup, dan Locus of control terhadap Perilaku Keuangan dengan Fintech sebagai Moderasi pada Gen Z Surabaya Naufal Afif Dwinka Tantra; Nurjanti Takarini
Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis Vol. 2 No. 2 (2025): Desember : Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/prosemnasimkb.v2i2.235

Abstract

The rapid development of financial technology has transformed transactional behavior, particularly among Generation Z. Easy access through mobile banking, particularly BCA Mobile, has made financial activities more practical but also poses risks of consumptive behavior due to low financial literacy and self-control. This study aims to analyze the influence of Financial Literacy, Lifestyle, and Locus of control on Financial Behavior, with Financial technology as a moderating variable. The research population consists of Generation Z users of BCA Mobile in Surabaya. A total of 147 respondents were selected using purposive sampling based on specific criteria. Data were collected through questionnaires and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) approach. The findings show that Financial Literacy and Locus of control have a significant positive effect on Financial Behavior, while Lifestyle has a significant negative effect. Furthermore, Financial technology is proven to moderate the influence of Financial Literacy and Locus of control on Financial Behavior, but not the relationship between Lifestyle and Financial Behavior.  
Optimalisasi Strategi PKWT untuk Efisiensi Tenaga Kerja di Perusahaan Jasa: Studi Kasus PT Swabina Gatra Shelomitha Rachmania Danguwole; Nurjanti Takarini
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1636

Abstract

Penelitian ini bertujuan untuk menganalisis strategi penerapan Perjanjian Kerja Waktu Tertentu (PKWT) dalam rangka meningkatkan efisiensi pengelolaan tenaga kerja di perusahaan jasa, khususnya pada PT Swabina Gatra. Dalam konteks regulasi ketenagakerjaan dan dinamika proyek jangka pendek, PKWT digunakan sebagai instrumen fleksibel yang memungkinkan perusahaan menyesuaikan kebutuhan tenaga kerja secara adaptif tanpa mengorbankan kelangsungan operasional. Melalui pendekatan deskriptif kualitatif, penelitian ini mengidentifikasi praktik rekrutmen, sistem evaluasi kinerja, dan kebijakan addendum kontrak sebagai komponen utama strategi tersebut. Hasilnya menunjukkan bahwa optimalisasi PKWT dapat mendorong efisiensi tenaga kerja dengan mengurangi biaya perekrutan berlebih, mempercepat pengisian posisi kosong, dan meningkatkan ketepatan waktu dalam perpanjangan kontrak kerja. Namun, untuk mencapai hasil maksimal, diperlukan kepatuhan terhadap regulasi seperti yang diatur dalam UU Cipta Kerja dan PP No. 35 Tahun 2021, serta pengawasan dari unit hubungan industrial perusahaan.
Pemberdayaan UMKM Di Kelurahan Rembang Dengan Pemanfaatan Digital Marketing Sebagai Sarana Promosi Andi Maulana; Nurjanti Takarini
Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 3 (2023): September : Jurnal Pengabdian Kepada Masyarakat
Publisher : Sekolah Tinggi Pastoral Kateketik Santo Fransiskus Assisi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jpkm.v2i3.171

Abstract

Rembang Village is one of the villages in the Sananwetan District, Blitar City. The Rembang sub-district has the Rembang Rise program by creating a WhatsApp group by the sub-district officials as a place for MSMEs in the Rembang area to carry out promotions. Even though many MSMEs have joined this group, until now they are not familiar with digital marketing and only rely on conventional methods to promote their products. The purpose of this community service program is to provide understanding to MSME players about the benefits of digital marketing as promotional advice. With the existence of a digital marketing introduction program for MSME players in the Rembang Village, it is hoped that they can expand their market to sell their products.
Increasing Customer Engagement on the Potential for Digitalization of MSME Mapping in Mungkung Village, Rejoso District, Nganjuk Regency : Peningkatan Customer Engagement pada Potensi Digitalisasi Pemetaan UMKM di Desa Mungkung, Kecamatan Rejoso, Kabupaten Nganjuk Figo Afriansyah; Nurjanti Takarini
JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Vol. 8 No. 3 (2024): Jati Emas (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat)
Publisher : DPD Jatim Perkumpulan Dosen Indonesia Semesta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

MSMEs in Mungkung Village include various businesses such as culinary, clothing needs, agribusiness, equipment, and automotive industry repairs. Many of them do not understand technological advances, which hinders development. Some MSMEs do not have a logo or brand and only rely on local consumers. This causes ignorance among local residents and potential customers outside the village, due to the lack of even development of mapping. This activity is directed at developing the Mungkung Village community to be technologically literate. Activities focus on increasing customer engagement, digitizing the marketing potential of MSMEs in Mungkung Village through digital maps and increasing their presence and accessibility. Implementation of activities uses qualitative descriptive methods. The results of the activity show that there has been an increase in customer engagement regarding the potential of MSMEs in Mungkung Village through the digital map of MSMEs which can be accessed on the online platform. This program also supports SDGs (sustainable development goals) 8 targets related to decent work and economic growth through strengthening MSMEs.
Peran Instagram sebagai Platform Digital Marketing dalam Meningkatkan Daya Saing Penjualan UMKM di Siwalankerto Dawiyah, Salsabillah Al; Takarini, Nurjanti
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira, Januari
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1543

Abstract

Micro, small, and medium enterprises (MSMEs) are increasingly relying on social media as a marketing tool, thanks to the expansion of digital technology. The purpose of this study was to analyze how Startias Cake Cookies, an MSME in the Siwalankerto area, has been using Instagram to increase sales and compete with other local businesses. Using the Community-Based Participatory Research (CBPR) paradigm, the implementation of service can be described as a mentoring process through active qualitative data collection, where the service team not only observes but is also directly involved in monitoring and documenting partners' marketing efforts on Instagram @startiascakecookies. Instagram increases the intensity of product promotions, customer engagement, marketing reach, and consumer buying interest. Instagram, as a digital marketing platform, also helps build a stronger corporate reputation. Therefore, with regular management and consideration of product attributes, Instagram can be a powerful marketing tool for MSMEs.
Optimalisasi Layanan Penerbitan Nomor Induk Berusaha Sebagai Upaya Pemberdayaan UMKM di Kelurahan Kalisari Surabaya Gita Kusumaningtyas, Rofifah; Takarini, Nurjanti
Jurnal Pengabdian Kepada Masyarakat Patikala Vol. 5 No. 3 (2026): Jurnal PkM PATIKALA
Publisher : Pusat Pengembangan Pendidikan dan Bakat Indonesia/Education and Talent Development Center of Indonesia (ETDC Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51574/patikala.v5i3.4453

Abstract

This research discusses the optimization of Nomor Induk Berusaha (NIB) issuance services as a strategy for empowering Micro, Small, and Medium Enterprises (MSMEs) in Kalisari Sub-District, Surabaya. Through a qualitative approach involving interviews and observations with 21 MSME actors and sub-district apparatus, it was found that the NIB issuance process still faces challenges such as lengthy bureaucracy, lack of socialization, and limited digital access. Optimization efforts were carried out through procedure simplification, digital training, and one-stop service integration, which successfully increased NIB issuance by up to 70%. The research results indicate that this optimization not only streamlines business legality but also enhances MSMEs' access to markets, financing, and legal protection, thereby supporting sustainable local economic growth.
Co-Authors A'inun Naim, Khumairoh Hafiz Afifa Lutfita Afika Qothrunnada Afika Qothrunnada Agung Pambudi Ahmad Nur Badi Amalia Anjani Arifiyanti Andi Maulana Andissa Listya Quatatita Arif Wicaksono, Tegar Mohamad Ariffianto, Raufha Aris Sutejo Atik Novita Aulia Rini Puspitasari Aurel Julanda Happy Pridya Ayu Rachmawati Azmi, Sylvia Nurul Azzahra, Shafina Difa Chynta Choirunisa, Fitri Dalfon Refaim Aruan Dawiyah, Salsabillah Al Dewi Fathika Sari Dhia Fairuz Izdihar Diah Hari Suryaningrum Dian Heri Krisdianto Dini Indah Prasasti Eko Wahyudi EKO WAHYUDI Endang Iryanti Ety Nila Nikmati Eva Elviana Fakhrudinsyah, Virdi Fariq Hizba Farraniza Artha Ridha Feby Ayu Tri Ananda Figo Afriansyah Firansiska Sukirno, Adelia Firman Mukhti Alamsyah Fitri Riski Riyadi Fitriana, Divany Ade Gita Kusumaningtyas, Rofifah Hayudanto Putra, Ukki Hesti Maulia Hasanudin Indriasari, Jovanka Intan Wahyualfani Ira Wikartika, Ira Irine Hesti Kusumaningdinni Junita Pramita Sari Junita Pramita Sari Khairunnisa Rosyadah Luritawati, Aisyah Lutfita, Afifa Luthfiyyah, Kania Mahanani, Anajeng Esri Edhi Mandasari, Virginia Masna Nuros Safitri Mochammad Bagus Akbar Pratama Mohammad Rafi Ardiansyah Riswandi Muhammad Fajar Eko Wibowo Muhammad Ramadhan Munwwarotul Barokah, Cinta Nur Musafira Okta Ghina Tsabitah Nadhila Putri Ghaisani Nafisa, Shella Alfiani Nanda Dini Pratiwi Nanik Hariyana Naufal Afif Dwinka Tantra Naufal Afif Dwinka Tantra Novita Fatmawati Nur Aini, Sinta Nur Faridatus Sholikhah Octavia Dara Citra Dewi Okvily, Ihcya Ovitia Rerolia Fitria Pratama Putri, Azzahra Setya Randy Alifianda Safeyah, Muchlisiniyati Saphiera Arsyida Pusaka Shelomitha Rachmania Danguwole Shintianingrum, Oktavia Sintya Maharani Ukki Hayudanto Putra Virginia Mandasari Wahyualfani, Intan Widya Susanti Winda Amalia Sari Wulandari, Aprilia Bella Zuhda Mila Fitriana