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All Journal JURNAL SeMaRaK Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat JURNAL ABDIMAS TRIDHARMA MANAJEMEN Jurnal Lokabmas Kreatif : Loyalitas Kreatifitas Abdi Masyarakat Kreatif DEDIKASI PKM Jurnal PKM Manajemen Bisnis Journal of Artificial Intelligence and Digital Business
Hendri Gunawan
Universitas Pamulang
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Pendapatan dan Gaya Hidup terhadap Perilaku Berutang Mahasiswa Manajemen Keuangan di Universitas Pamulang Luciana Simatupang; Hendri Gunawan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.13453

Abstract

Akselerasi perkembangan industri financial technology (fintech) melalui layanan pinjaman online dan PayLater telah memengaruhi pola konsumsi masyarakat, termasuk mahasiswa, sehingga berpotensi meningkatkan perilaku berutang. Kondisi tersebut diduga dipengaruhi oleh faktor pendapatan dan gaya hidup. Penelitian ini bertujuan menganalisis pengaruh pendapatan dan gaya hidup secara parsial maupun simultan terhadap perilaku berutang mahasiswa Manajemen Keuangan Universitas Pamulang. Penelitian menggunakan metode kuantitatif dengan pendekatan asosiatif. Sampel penelitian sebanyak 61 responden yang ditentukan melalui teknik Non-Probability Sampling jenis Purposive Sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan SPSS versi 26 dengan uji asumsi klasik, regresi linear berganda, uji t, uji F, dan koefisien determinasi (R²). Hasil uji asumsi klasik menunjukkan data berdistribusi normal berdasarkan nilai Monte Carlo Sig. (2-tailed) sebesar 0,093 (>0,05), serta tidak terjadi multikolinearitas dan heteroskedastisitas. Hasil uji parsial menunjukkan pendapatan berpengaruh negatif dan signifikan terhadap perilaku berutang dengan nilai t hitung sebesar -5,147 dan signifikansi 0,000 (<0,05), sedangkan gaya hidup berpengaruh positif dan signifikan dengan nilai t hitung sebesar 6,355 dan signifikansi 0,000 (<0,05). Secara simultan, pendapatan dan gaya hidup berpengaruh signifikan terhadap perilaku berutang dengan nilai F hitung sebesar 40,059 dan signifikansi 0,000 (<0,05). Nilai R² sebesar 0,580 menunjukkan bahwa 58% variasi perilaku berutang dijelaskan oleh kedua variabel, sedangkan 42% dipengaruhi faktor lain.
Pemberdayaan UMKM melalui Petahinan Analisis Harga Pokok Produksi dan Penetapan Harga Jual yang Tepat pada Gerakan Pemuda Ansor Kecamatan Pagedangan Tangerang Ria Rosalia Simangunsong; Yeti Kusmawati; Hendri Gunawan; Mutia Jasmin; Muthia Nabila Azzahra
Jurnal PKM Manajemen Bisnis Vol. 6 No. 2 (2026): Jurnal PKM Manajemen Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/pkmb.v6i2.2426

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in strengthening the local economy, but many MSME actors still face difficulties in calculating the cost of production and determining appropriate selling prices. This condition can lead to inaccurate pricing, reduced profit margins, and difficulties in evaluating business performance. Therefore, this Community Service Program (PKM) was conducted to empower MSME actors within the Gerakan Pemuda Ansor (GP Ansor) in Pagedangan District, Tangerang, through practical training in calculating production costs and determining appropriate selling prices. The activity aimed to improve participants’ knowledge and skills in identifying production cost components, calculating the cost of goods produced, and establishing selling prices based on accurate cost information and reasonable profit margins. The PKM was conducted at the GP Ansor Pagedangan office on April 4–5, 2026. The program involved five lecturers and students from Universitas Pamulang and 18 GP Ansor members who work as MSME entrepreneurs. The implementation consisted of preparation, implementation, and reporting stages. During the implementation stage, activities were carried out through material presentations, practical exercises, discussions, and question-and-answer sessions. The results indicated that participants gained a better understanding of production cost calculation and selling price determination and were able to apply the calculation techniques to their respective business activities. The program contributed to improving participants’ financial management skills and supporting more accurate and sustainable business decision-making.
Co-Authors Devi Putri Isnaeni Henni Marlinah Luciana Simatupang Muhamad Guruh Muthia Nabila Azzahra Mutia Jasmin Ria Rosalia Simangunsong Tilova, Nurdinni Veg Anismadiyah Vega Anismadiyah Vidya Amalia Vidya Amalia Rismanty Yeti Kusmawati