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All Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurnal EK dan BI Jurnal Ilmiah Manajemen Ubhara Jurnal Pengabdian Masyarakat Nusantara eCo-Fin Jurnal Pengabdian Masyarakat Kesosi Jurnal Pengabdian Masyarakat Dharma Andalas Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Hartini Hartini
Universitas Teknologi Sumbawa
Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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Pengaruh Literasi Keuangan, Financial Self-Efficacy, dan Persepsi Risiko Terhadap Minat Penggunaan Pinjaman Online pada Gen Z Pulau Sumbawa Azril Nuraqsya Prana; Hartini Hartini
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 2 (2026): Juli : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i2.10442

Abstract

The rapid development of financial technology has driven an increase in the use of online loans among Generation Z, although these services also carry various risks. This study aims to analyze the influence of financial literacy, Financial Self-Efficacy, and risk perception on the interest in using online loans among Generation Z on Sumbawa Island using a quantitative approach through a survey and multiple linear regression analysis. The results show that, both partially and simultaneously, all three variables have a significant negative effect and account for 22.8% of the variation in interest in using online loans. These findings confirm that improved financial literacy, confidence in managing finances, and risk awareness can reduce interest in using online loans, highlighting the need for ongoing financial education to encourage wiser financial decisions.
Pelatihan Pengolahan Pakan Silase dan Amoniasi untuk Peternak Sapi Sebagai Upaya Peningkatan Produktivitas dan Nilai Jual Ternak Abdul Salam; Hartini Hartini; Husni Husni; Yuni Purnama
Jurnal Pengabdian Masyarakat Kesosi Vol. 9 No. 2 (2026): Juli: Jurnal Abdimas KESOSI
Publisher : Sekolah Tinggi Ilmu Kesehatan Kesetiakawanan Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57213/abdimas.v9i2.565

Abstract

Smallholder cattle farming in Indonesia continues to face several challenges, including limited feed availability during the dry season, underutilization of agricultural residues as alternative feed resources, and inadequate farm financial management. These constraints contribute to low livestock productivity, high production costs, and suboptimal market value of cattle. This community service program aimed to enhance farmers' capacity through training and mentoring on silage and ammoniation feed processing, integrated with financial management practices to improve livestock productivity and market value. The program adopted a Participatory Rural Appraisal (PRA) approach consisting of needs assessment, socialization, training, demonstrations, hands-on practice (learning by doing), mentoring, monitoring, and evaluation. Program effectiveness was evaluated using pre-tests, post-tests, skill observations, and implementation monitoring. The results demonstrated significant improvements in farmers' knowledge and practical skills regarding silage production and ammoniation technology utilizing locally available feed resources. Participants also improved their competencies in bookkeeping, cash flow recording, and simple farm profit analysis. The adoption of feed preservation technologies enabled farmers to utilize forage and agricultural residues more efficiently, ensuring year-round feed availability while reducing feed costs. Furthermore, financial management training encouraged better farm administration and more informed business decision-making. This program developed an integrated community empowerment model that combines feed technology innovation with financial literacy to simultaneously improve biological productivity and economic performance of smallholder cattle farming. The proposed model has strong potential for replication in other livestock farmer groups to support sustainable livestock development.
Co-Authors Abdul Salam Agus Santoso Azril Nuraqsya Prana Fahlia Fahlia Fendy Maradita Fietroh, Muhammad Nur Hanifa Sri Nuryani Husni Husni Nia Murnia Nini Hardianti Nuramaliyah, Nuramaliyah Nurasia Nurasia Rani Wajriani Serli Oktapiani Sherwin Ary Busman Sri Andriani Yuni Purnama