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<![CDATA[Penguatan Literasi Keuangan untuk Ketahanan Keluarga pada Kelompok Perempuan Muslim Pra Sejahtera: Strengthening Financial Literacy for Family Security on Pre Prosperous Women Muslim Group ]]>
<![CDATA[Salju Salju]]>;
<![CDATA[Hadi Pajarianto]]>;
<![CDATA[Muhammad Yusuf]]>;
<![CDATA[Imam Pribadi]]>;
<![CDATA[Duriani Duriani]]>;
<![CDATA[Ibrahim Halim]]>;
<![CDATA[Goso Goso]]>
<![CDATA[ PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 8 No. 3 (2023): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat ]]>
Publisher : <![CDATA[Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya ]]>
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DOI: 10.33084/pengabdianmu.v8i3.4617
<![CDATA[Knowledge, skills, and confidence in financial management for women are essential given the complexity of their more frequent role in managing financial resources in a family. The implementation of community service aims to increase the financial resilience of pre-prosperous women's families through increased financial literacy in Palopo City. The approach to implementing community service uses the Sustainable Livelihood Approach (SLA), which is oriented toward the sustainability of the family economy so that the family is stronger. The results of the pre-test implementation confirmed that the participants' level of financial proficiency was shallow. With financial literacy counseling and simulated treatment of financial management on family financial decisions related to skills taking into account the 5M (controlling, spending, building, setting aside, and developing), there was a significant increase in proficiency in financial management in the post-test evaluation carried out by the team. In these results, there is an increase in knowledge, skills, and commitment to improving financial literacy and good behavior so that family financial resilience increases.]]>
<![CDATA[THE INFLUENCE OF FINANCIAL LITERACY, LIFESTYLE, AND SOCIAL ENVIRONMENT ON STUDENT FINANCIAL BEHAVIOR ]]>
<![CDATA[Yulia Wiranti]]>;
<![CDATA[Goso Goso]]>;
<![CDATA[Muh. Halim]]>
<![CDATA[ SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 6 No. 4 (2023): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business ]]>
Publisher : <![CDATA[Sekolah Menengah Kejuruan (SMK) Pustek ]]>
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DOI: 10.37481/sjr.v6i4.751
<![CDATA[This study aims to determine the influence of financial literacy, lifestyle, and social environment on the financial behavior of management study program students at the faculty of economics and business at the University of Muhammadiyah Palopo. The method used in this study is quantitative. The sample used in this study consisted of 84 respondents. Sample determination using purposeful sampling Data were collected using the questionnaire dissemination method via Google links and analyzed using multiple linear regression analysis tests. The data was processed using IBM SPSS 25. The results of this study show that financial literacy and the social environment have a positive and significant effect on student financial behavior. Meanwhile, lifestyle has a negative and significant influence on students' financial behavior. The conclusion in this study is that there is an influence of financial literacy, lifestyle, and social environment on the financial behavior of management study program students at the faculty of economics and business at the University of Muhammadiyah Palopo.]]>
<![CDATA[THE RELATIONSHIP BETWEEN MATERIALISM AND FINANCIAL LITERACY ON STUDENT FINANCIAL MANAGEMENT BEHAVIOR ]]>
<![CDATA[Adinda Tasya Salsabilla Anwar]]>;
<![CDATA[Goso Goso]]>;
<![CDATA[Sari Ratna Dewi]]>
<![CDATA[ SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 6 No. 4 (2023): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business ]]>
Publisher : <![CDATA[Sekolah Menengah Kejuruan (SMK) Pustek ]]>
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DOI: 10.37481/sjr.v6i4.752
<![CDATA[This study aims to determine the relationship between materialism and financial literacy on the financial management behavior of students of the management study program at the Faculty of Economics and Business, Muhammadiyah University of Palopo. The method used in this research is quantitative. The sample used in this study consisted of 85 respondents. Determination of the sample using purposeful sampling. This research method uses a quantitative approach. Data was collected using the method of distributing questionnaires via Google and analyzed using multiple linear regression analysis, a t-test (partial), and an F-test (simultaneous) using the IBM SPSS 25 application. The results of this study indicate that materialism has a positive and significant effect on student financial behavior. Meanwhile, financial literacy also has a significant influence on student financial management behavior. The conclusion in this study is that there is a relationship between materialism and financial literacy on the financial management behavior of students of the management study program at the Faculty of Economics and Business, Muhammadiyah University of Palopo.]]>
<![CDATA[Analisis Kinerja Keuangan PT. Gudang Garam TBK Tahun 2020-2023 ]]>
<![CDATA[Nursyamsih Husma Sam]]>;
<![CDATA[Goso Goso]]>;
<![CDATA[Muh. Halim]]>
<![CDATA[ Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ) ]]>
Publisher : <![CDATA[Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI) ]]>
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DOI: 10.37385/msej.v4i6.3577
<![CDATA[This study aims to determine the analysis of the Company's financial performance. The method in this research is quantitative descriptive analysis method. The population used the financial statements of PT Gudang Garam Tbk, and the sample is the company's financial statements in the form of profit and loss statements and balance sheets. This type of research is comparative research. Based on the results of the analysis obtained, namely the profitability ratio from 2020 to 2022 has decreased, gross profit margin that in 2020 the level of efficiency in controlling cost of goods was 15.1%, in 2021 there was a significant decrease to 11.4% and in 2022 there was also a decrease of 8.8%, return in investment is known that in 2020 9.7% and in 2021 the ROI value is 6.2% and in 2022 it is 3.2%, it can be seen that the decline is very drastic from year to year. The liquidity ratio from 2020 to 2022 has decreased. Current Ratio from 2020 to 2022 decreased by 824% and in 2021 there was a decrease to 596% as well as in 2022 there was also a decrease with a value of 552%. The quick ratio was 160.5% and in 2021 it decreased by 119% as well as in 2022 by 78%. Solvency from 2020 to 2022 there was an increase in the Debt to Asset Ratio of 25.1 and in 2021 and 2022 there was an increase in the ratio value of 34.0 and 34.6. Debt to equity ratio is known in 2020 amounting to 33.6 and in 2021 amounting to 51.7 while in 2022 amounting to 53.0 there was a significant increase between the time frame 2020 to 2022.]]>
<![CDATA[EFEKTIVITAS PERPUTARAN MODAL KERJA DALAM MENINGKATKAN PROFITABILITAS USAHA DEPOT KARTU DATA DI MAPPEDECENG DAN SUKAMAJU ]]>
<![CDATA[Widiyanti, Wika]]>;
<![CDATA[Goso, Goso]]>;
<![CDATA[Kusdarianto, Indra]]>
<![CDATA[ Jurnal Inovasi Bisnis Indonesia (JIBI) Vol. 2 No. 1 (2024): September ]]>
Publisher : <![CDATA[PT. Tangrasula Tekno Kreatif ]]>
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DOI: 10.61896/jibi.v2i1.74
<![CDATA[Abstrak Kebutuhan internet merupakan salah satu sektor yang penting dalam memenuhi kebutuhan manusia khususnya di masa pandemi membuat bisnis pulsa dan paket data internet semakin menjajikan. Penelitian ini bertujuan untuk mengetahui Analisis Perputaran Modal Kerja Terhadap Profitabilitas Usaha Depot Kartu Data Di Kecamatan Mappedeceng Dan Kecamatan Sukamaju. Penelitian ini menggunakan penelitian kuantitatif dengan tehnik pengumpulan melalui dokumentasi, observasi/pengamatan dan library research. Hasil dari penelitian ini dapat disimpulkan yaitu Perputaran Modal Kerja berpengaruh positif secara signifikan Terhadap Profitabilitas Pada Usaha Kartu Data Kecamatan Mappedeceng Dan Kecamatan Sukamaju. Kata Kunci: Perputaran Modal Kerja, Profitabilitas Abstract The need for the internet is one of the important sectors in fulfilling human needs, especially during the pandemic, making the internet credit and data package business even more promising. This study aims to determine the analysis of working capital turnover on the profitability of the data card depot business in Mappedeceng and Sukamaju subdistricts. This study uses quantitative techniques through documentation, observation and library research. The result of this study can be concluded that working capital turnover has a significant positive effect on the profitability of the data card business in Mappedeceng and Sukamaju sub-districts. Keywords: Working Capital Turnover, Profitability]]>
<![CDATA[The Influence of Financial Technology and Financial Literacy on Financial Behavior in the Digital Era ]]>
<![CDATA[Rasyid, Nugraha]]>;
<![CDATA[Goso, Goso]]>;
<![CDATA[Ikbal, Muhammad]]>
<![CDATA[ International Journal of Management Science and Information Technology Vol. 5 No. 1 (2025): January - June 2025 ]]>
Publisher : <![CDATA[Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) ]]>
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DOI: 10.35870/ijmsit.v5i1.3578
<![CDATA[This study was conducted to determine the effect of financial technology and financial literacy on the financial behavior of the Sukamaju village community. Data were collected by distributing questionnaires through Google Form media using a Likert scale. was the population in this study millennial generation aged 19-39 years. The variables used in this study were financial technology and financial literacy as independent variables and financial behavior as the dependent variable. This study approach by uses a quantitative collecting primary data. The sampling technique used in this study used the Slovin formula with a 10% margin of error so. that the number of samples determined was 100 respondents The data analysis technique used was to test the quality of primary data with validity and reliability tests, followed by multiple linear regression analysis with determination coefficient tests, partial and simultaneous significant tests using SPSS 25. Based on financial behavior the financial literacy results, partially affects financial behavior, simultaneously financial technology and financial literacy affect the financial of the analysis and discussion using multiple linear regression, it was concluded that partially financial technology affects behavior of the millennial generation of Sukamaju village.]]>
<![CDATA[The Influence of Financial Technology and Financial Literacy on Financial Behavior in the Digital Era ]]>
<![CDATA[Rasyid, Nugraha]]>;
<![CDATA[Goso, Goso]]>;
<![CDATA[Ikbal, Muhammad]]>
<![CDATA[ International Journal of Management Science and Information Technology Vol. 5 No. 1 (2025): January - June 2025 ]]>
Publisher : <![CDATA[Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) ]]>
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DOI: 10.35870/ijmsit.v5i1.3578
<![CDATA[This study was conducted to determine the effect of financial technology and financial literacy on the financial behavior of the Sukamaju village community. Data were collected by distributing questionnaires through Google Form media using a Likert scale. was the population in this study millennial generation aged 19-39 years. The variables used in this study were financial technology and financial literacy as independent variables and financial behavior as the dependent variable. This study approach by uses a quantitative collecting primary data. The sampling technique used in this study used the Slovin formula with a 10% margin of error so. that the number of samples determined was 100 respondents The data analysis technique used was to test the quality of primary data with validity and reliability tests, followed by multiple linear regression analysis with determination coefficient tests, partial and simultaneous significant tests using SPSS 25. Based on financial behavior the financial literacy results, partially affects financial behavior, simultaneously financial technology and financial literacy affect the financial of the analysis and discussion using multiple linear regression, it was concluded that partially financial technology affects behavior of the millennial generation of Sukamaju village.]]>
<![CDATA[STRENGTHENING HOUSEHOLD FINANCIAL RESILIENCE THROUGH FINANCIAL LITERACY IN PRE-PROSPEROUS WOMEN'S GROUPS IN MALATUNRUNG PALOPO CITY ]]>
<![CDATA[Goso, Goso]]>
<![CDATA[ Jurnal Pengabdian kepada Masyarakat (J-PMas) Vol. 1 No. 2 (2022): Jurnal Pengabdian Kepada Masyarakat (J-PMas) ]]>
Publisher : <![CDATA[Universitas Bina Taruna Gorontalo ]]>
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DOI: 10.37606/j-pmas.v1i2.17
<![CDATA[Women's financial skills in a household are critical, considering that some of the roles and responsibilities of household financial management usually rest with a woman. The implementation of this guidance to the community aims to strengthen household financial resilience through increasing financial literacy in the pre-prosperous women's group. This service implementation model uses two approaches to overcome partner problems. The first is by using the Heuristic model as a model for financial literacy education and the Enthrepreneurship Capacity Building (ECB) model for empowering partner household entrepreneurship. As a result of the implementation of this community partnership program, there was a fairly good increase in knowledge and understanding of individual finances and household financial management of pre-prosperous women's groups in Malatunrung village compared to what was previously very lacking. The empowerment and resilience of households economically also increase with the skills possessed in utilizing local resources and processing them into products that have high economic value. There was a 100% increase in the new skills of partners who were pre-prosperous women's groups. This community partnership program provides an opportunity to improve individual skills for women that are not acquired in formal education programs, thereby increasing household financial empowerment and resilience that contribute directly to household welfare.]]>
<![CDATA[Analisis Dampak Literasi Keuangan Dan Pengelolaan Keuangan Terhadap Kinerja Keuangan UMKM ]]>
<![CDATA[Hartina, Hartina]]>;
<![CDATA[Goso, Goso]]>;
<![CDATA[Palatte, Muh. Halim]]>
<![CDATA[ SEIKO : Journal of Management & Business Vol 6, No 1 (2023): January - Juny ]]>
Publisher : <![CDATA[Program Pascasarjana STIE Amkop Makassar ]]>
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DOI: 10.37531/sejaman.v6i1.3874
<![CDATA[Tujuan dari penelitian ini adalah untuk mengetahui dampak literasi keuangan dan pengelolaan keuangan terhadap kinerja keuangan UMKM. Penelitian ini menggunakan metode pendekatan kuantitatif, dengan menyebarkan kuesioner secara online. Populasi penelitian ini adalah seluruh pelaku UMKM yang ada di Kabupaten Luwu Utara khususnya Desa Harapan Kecamatan Mappedeceng. Teknik pengambilan sampel yang digunakan adalah random sampling, yaitu pengambilan sampel secara acak dari sampel yang telah ditentukan sebelumnya. Ukuran sampel ditentukan dengan mengalikan jumlah sampel pengukuran dengan sepuluh, menghasilkan ukuran sampel 110 sampel. Metode yang digunakan yaitu analisis regresi linier. Hasil temuan penelitian ini ditemukan informasi bahwa literasi keuangan dan pengelolaan keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM.]]>
<![CDATA[The Effect of Financial Literacy on The Financial Performance of Msmes Palopo City ]]>
<![CDATA[Erna]]>;
<![CDATA[Goso]]>;
<![CDATA[Ibrahim Halim]]>
<![CDATA[ Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi ]]>
Publisher : <![CDATA[LP2M IAIN Palopo ]]>
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DOI: 10.24256/kharaj.v7i2.6917
<![CDATA[This study aims to determine the influence of financial literacy on the financial performance of MSMEs in Palopo City. The data used in this study is primary data of 99 MSMEs in the Pancasila Field, Palopo City. The sampling technique used is a technique based on convenience. The method used to analyze the relationship between independent variables and dependent variables is the simple linear regression method. The results of the analysis with SmartPLS show that financial literacy has a positive and significant effect on the performance of MSMEs in Palopo City. This shows that the importance of a business to have knowledge of finance is related to how recording techniques, bookkeeping, the level of business debt and the budget needed in running a business.]]>
