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All Journal KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Jurnal Revenue : Jurnal Ilmiah Akuntansi Jurnal Lokabmas Kreatif : Loyalitas Kreatifitas Abdi Masyarakat Kreatif Abdimisi EkoPreneur Jurnal PKM Manajemen Bisnis JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Lyandra Aisyah Margie
Universitas Pamulang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Edukasi Bahaya Pinjaman Online Ilegal bagi Santri Purwatiningsih Purwatiningsih; Lyandra Aisyah Margie; Silvia Sari
Jurnal PKM Manajemen Bisnis Vol. 6 No. 1 (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.v6i1.1710

Abstract

Financial literacy is an individual's knowledge and expertise related to finances that influences economic behavior in making decisions about financial management. Low financial literacy can lead to overspending, increasing debt burdens, difficulty saving, and vulnerability to investment fraud and illegal online loans. Islamic boarding school students are generally unaware of the constant threat of digital financial crimes, such as illegal online loans. Based on this situation, one way to help them avoid the dangers of illegal online loans is by providing education regarding the dangers of illegal online loans. The goal of this education is to increase their financial awareness and literacy to prevent them from being trapped by illegal online loans that are detrimental, and to equip them with the skills to manage their finances healthily and responsibly. This education is important to protect students from negative impacts such as high interest rates, multiple fines, intimidating debt collection, and serious financial, psychological, and legal consequences. The community service team uses a three-stage educational method: lecture, discussion, and evaluation. The community service took place at the RH La Tahzan Islamic Boarding School, Cinangka Village, Sawangan District, Depok City, West Java Province on August 10, 2025, with 30 students participating. The result of this education is an increased understanding of the students about the dangers of online loans, especially those that are illegal and not supervised by the Financial Services Authority (OJK). This is demonstrated by the beginning of the formation of a habitual process in managing personal finances, keeping personal data safe and being more careful when opening links from unknown sources.
Peran Literasi Keuangan dalam Meningkatkan Kesejahteraan Keluarga Melalui Pengelolaan Keuangan yang Bijak Lyandra Aisyah Margie; Purwatiningsih Purwatiningsih; Silvia Sari
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.v6i2.2051

Abstract

This community service activity aims to improve the financial literacy of housewives in managing household finances wisely in order to enhance family welfare. The main problems faced by the community include low financial knowledge, lack of cash flow recording habits, consumptive behavior, and dependence on informal loans. This activity was conducted in RW 01, Cinangka Village, Sawangan District, Depok City, involving 20 housewives as participants. The methods used were counseling, training, and mentoring through direct interaction. The materials covered basic financial management, budgeting, income and expenditure recording, debt management, as well as emergency fund and basic investment planning. The results indicate an improvement in participants’ understanding and awareness of the importance of financial literacy, along with their ability to prepare and implement simple household financial records. In addition, there was a positive change in participants’ mindset in distinguishing between needs and wants, as well as in making financial decisions. Therefore, this activity contributes to strengthening family economic resilience and promoting sustainable household welfare.
Pengaruh Struktur Kepemilikan, Beban Pajak Tangguhan Dan Kebijakan Dividen Terhadap Manajemen Laba Ilham Ardiansyah; Lyandra Aisyah Margie
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 3 No. 3 (2026): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v3i3.12505

Abstract

Abstrak - Tujuan penelitian ini adalah untuk mengetahui pengaruh struktur kepemilikan, beban pajak tangguhan dan kebijakan dividen terhadap manajemen laba, pada Perusahaan Consumer Non-Cyclicals yang Terdaftar di BEI Periode 2019-2024. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian deskriftif dengan menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah laporan keuangan Consumer Non-Cyclicals selama 6 tahun periode tahun 2019-2024. Metode penentuan sampel menggunakan purposive sampling, dengan beberapa kriteria yang telah ditentukan ada 17 perusahaan dengan pengamatan 6 tahun, sehingga jumlah sampelnya 102 data laporan keuangan. Metode analisis yang digunakan adalah metode analisis regresi data panel dengan program E-Views 13. Hasil uji regresi pada penelitian ini membuktikan bahwa struktur kepemilikan, beban pajak tangguhan dan kebijakan dividen berpengaruh secara simultan terhadap manajemen laba. Sedangkan secara parsial struktur kepemilikan, beban pajak tangguhan tidak berpengaruh signifikan terhadap manajemen laba dan kebijakan dividen berpengaruh signifikan terhadap manajemen laba.
Co-Authors Adhitya Putri Pratiwi Afrida Yani Afrida Yani Afridayani Afridayani Ahmad Syukri Fitria Anggraini Rostianti Habibah Habibah Ilham Ardiansyah Khotimatus Sadiyah Lindawati Lindawati Mayura Melinda Muhammad Ridwan Purwatiningsih Purwatiningsih Silvia Sari Syamsul Mu'arif Yenni Cahyani Yulianto Yulianto