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Eskalasi Literasi Keuangan Dalam Pengelolaan Keuangan Keluarga Sebagai Upaya Minimalisasi Digital Fraud di Desa Bumiaji Kota Batu: (Escalation of Financial Literacy in Family Financial Management as an Effort to Minimize Digital Fraud in Bumiaji Village, Batu City) Della Ayu Zonna Lia; Raisa Fitri; Rayie Tarianie Wiraguna; Nanda Arwida Farida; Lolita Kusuma Widyastuti
Vivabio: Jurnal Pengabdian Multidisiplin Vol. 5 No. 3 (2023): VIVABIO: Jurnal Pengabdian Multidisiplin
Publisher : Sam Ratulangi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35799/vivabio.v5i3.49383

Abstract

Financial literacy is a critical aspect of efforts to manage family finances. Indonesia's financial literacy index will reach 49.5% in 2022, according to OJK. Even though it has increased, developing soft skills regarding financial management in the family still needs to be carried out for financial management efficiency.. Besides managing family finances, financial literacy is closely related to preventing cybercrime or digital fraud. Crimes such as sim swaps, OTP fraud, and phishing are among the crimes rife in Q1 of 2023. Under these conditions, this community service is carried out to educate homemakers in Bumiaji Village, Batu City, so that they have more ability to manage family finances effectively, especially in efforts to minimize digital fraud. Socialization and mentoring activities were carried out at the Bumiaji Village Hall interactively. Thus, participants can understand the material, hold discussions, and get answers to the problems faced in family management. ABSTRAK Literasi keuangan menjadi salah satu aspek penting dalam upaya pengelolaan keuangan keluarga. Indeks literasi keuangan Indonesia mencapai 49,5% pada tahun 2022 menurut OJK. Meskipun mengalami peningkatan, pengembangan softskill mengenai pengelolaan keuangan dalam keluarga masih perlu dilakukan guna efisiensi manajemen keuangan. Selain pengelolaan keuangan keluarga, literasi keuangan juga memiliki kaitan erat dengan pencegahan cybercrime atau digital fraud yang ada di masyarakat. Kejahatan berupa sim swap, OTP fraud, dan phishing menjadi salah satu kejahatan yang marak di Q1 tahun 2023. Melalui kondisi tersebut, pengabdian masyarakat ini dilakukan untuk mengedukasi ibu rumah tangga di Desa Bumiaji Kota Batu agar lebih memiliki kemampuan mengelola keuangan keluarga secara efektif terutama dalam upaya minimalisir digital fraud. Kegiatan sosialisasi dan pendampingan dilaksanakan di Balai Desa Bumiaji secara interaktif. Sehingga, peserta mampu memahami materi, melakukan diskusi dan mendapatkan jawaban atas permasalahan yang dihadapi dalam pengelolaan keluarga.
Strengthening Local Wisdom-Based MSMEs through Production Optimization to Improve Local Economic Competitiveness Raisa Fitri; Della Ayu Zonna Lia; Ita Prihatiningsih; Sudarmiatin Sudarmiatin
Jurnal Pengabdian Masyarakat Vol 4 No 2 (2023): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v4i2.1826

Abstract

Purpose: MSMEs are strategic businesses in driving the national economy, which are believed to be able to stabilize the financial system and economy because they have high economic resilience. Therefore, various supports are needed to improve the quality of MSME processed products, so the purpose of the community services is to help Alrosa MSME owners utilize technology to improve the quality of the products produced so that the products produced can be optimal and efficient. Method: The methods used are 1) identification, 2) implementation of activities, and 3) program evaluation. The activity was carried out at the production house of UMKM Alrosa Karangploso, Malang Regency. Practical Applications: The results of the community services are the increase in the quality and quantity of Alrosa MSME food products by utilizing spinner and oven technology and training in designing product packaging for MSMEs to make it attractive. Conclusion: The community services program provided to Alrosa MSMEs is well received and helpful in improving the quality of Alrosa MSME products.
INDUSTRIAL WORKER CHARACTER DEVELOPMENT IN THE TEACHING AND LEARNING PROCESS OF VOCATIONAL SCHOOL STUDENTS Fitri, Raisa
TRANSFORMATIONAL LANGUAGE, LITERATURE, AND TECHNOLOGY OVERVIEW IN LEARNING Vol. 1 No. 1 (2021): NOVEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.338 KB) | DOI: 10.55047/transtool.v1i1.105

Abstract

The goal of this study is to examine how the Vocational High School of Machine Engineering Department teaches and learns about industry-based work character. An explanatory sequential mixed approach and the Countenance Stake assessment method are used in this case study. Input, process, and outcome make up the three parts of the Countenance Stake assessment method. According to result of average antecedent, transaction data, as well as response of students, the teaching and learning process in vocational schools was excellent at developing work character. Meanwhile, student professional character can also be shaped by external as well as internal factors such as their religious convictions, their commitment to truthfulness, their sense of responsibility, their ability to think creatively and innovatively, as well as their work ethic, passion, and respect for their coworkers.
THE IMPACT OF FIRST LANGUAGE ON SECOND LANGUAGE ACQUISITION: TRANSFER AND INTERFERENCE Fitri, Raisa; Alawiyah, Tuti
TRANSFORMATIONAL LANGUAGE, LITERATURE, AND TECHNOLOGY OVERVIEW IN LEARNING Vol. 2 No. 4 (2023): AUGUST
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transtool.v2i4.1382

Abstract

This study aims to explore the impact of first language (L1) on second language (L2) acquisition, focusing on the phenomena of transfer and interference. The background of the problem shows that second language learning is often a complex process, influenced by similarities and differences between the first and second languages. Positive transfer occurs when first language elements facilitate second language learning, while negative interference arises when language differences cause errors or difficulties in the learning process. The research method used is a qualitative descriptive design, with data collected from various relevant academic literature, such as journals, books, and research articles. The results show that transfer from the first language to the second language can have both positive and negative impacts depending on the similarities between the two languages. In addition, social, cultural and psychological factors such as age, anxiety and motivation also affect the level of first language interference. Older learners tend to experience greater interference compared to younger learners. These findings emphasize the importance of teaching strategies that can capitalize on the positive transfer and minimize the negative impact of first language interference in the second language learning process.
Green Entrepreneurship Model in The Batik Industry: a Solution Towards Sustainable Development goals (SDGs) Sudarmiatin, Sudarmiatin; Fitri, Raisa
Journal of Business and Management Review Vol. 4 No. 11 (2023): (Issue-November)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr411.8392023

Abstract

Abstract Green Entrepreneurship (GE) seeks to integrate environmental and social benefits to provide competitive advantages for companies. The general aim of this research is to analyze problems and develop a green entrepreneurship model for the batik industry in Tulungagung district. Meanwhile, the specific objectives of this research are (1) to describe the implementation of green entrepreneurship in the batik industry in Tulungagung district. (2) describe the problems faced by batik craftsmen in Tulungagung district in implementing green entrepreneurship (3) develop a green entrepreneurship model through the four-D approach The research approach is a qualitative case study with the output of a green entrepreneurship model for the batik industry in Tulungagung district, East Java. The research subjects were batik industry managers, batik industry employees, and the local government as a policy-making agency, totaling 25 people. The instruments used in this research include interview guides, observation sheets and documentation. Meanwhile, data analysis uses the Miles, Huberman & Saldana (2014) formula. The research results show that the application of green entrepreneurship in the batik industry is still limited to the use of non-plastic packaging and Eco print batik innovation. The problems of batik craftsmen in implementing green entrepreneurship include not managing industrial waste properly, lack of green entrepreneurship literacy, lack of ongoing assistance and supervision. Green awareness of batik craftsmen is still low due to limited knowledge. Practical research suggestions still require socialization and assistance regarding the implementation of green entrepreneurship both from the local government and from other parties who care about environmental safety.
SERTIFIKASI HALAL DAN PENGARUHNYA TERHADAP KINERJA UMKM Fitri, Raisa
Jurnal Manajemen dan Profesional Vol. 5 No. 2 (2024): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v5i2.2326

Abstract

Tujuan dari penelitian ini adalah untuk menjelaskan peran mediasi kinerja inovasi dan kinerja pasar terhadap pengaruh sertifikasi halal produk makanan terhadap kinerja UMKM di Kabupaten Malang. Banyak pelaku UMKM belum paham akan pentingnya status kehalalan untuk produk yang dihasilkan, hal tersebut merupakan peluang yang harus dimanfaatkan oleh pelaku UMKM di Kabupaten Malang. Oleh karena itu, dukungan dari pemerintah diharapkan dapat meningkatkan kesadaran UMKM akan sertifikasi halal yang nantinya akan meningkatkan kinerja UMKM. Regulasi mengenai kewajiban halal telah diatur dalam Undang-undang Nomor 33 Tahun 2014 mengenai Jaminan Produk Halal, termasuk kategori makan dan minuman. Metode kuantitatif dan pengujian hipotesis digunakan dalam penelitian ini. Berdasarkan kriteria pengambilan sampel maka jumlah data yang terkumpul sebanyak 188 UMKM di Kabuaten Malang dengan kategori produk makanan yang sudah memiliki sertifikasi halal, penyebaran data menggunakan kuesioner online dengan pengukuran skala likert (1-5). Setalah data terkumpul, teknis analisisnya menggunakan SEM-PLS. Hasil penelitian menjelaskan bahwa sertifikasi halal berpengaruh secara signifikan terhadap kinerja keuangan dan kinerja inovasi. Selanjutnya, temuan lain menjelaskan adanya pengaruh sertifikasi halal terhadap kinerja pasar. Temuan lain menjelaskan bahwa ada pengaruh positif antara kinerja inovasi terhadap kinerja keuangan. Kemudian, kinerja inovasi dan kinerja pasar mampu memediasi pengaruh antara sertifikasi halal terhadap kinerja keuangan
Peningkatan Daya Saing UMKM melalui Pelatihan Pembuatan dan Optimasi Konten Media Sosial Wilujeng, Ita Prihatining; Fitri, Raisa; Wahyudi, Handri Dian; Sungkar, Alifia Ratna; Wahyuningtyas, Dea Lestari
Jurnal KARINOV Vol 6, No 3 (2023): September
Publisher : Institute for Research and Community Service (LP2M), Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um045v6i3p149-155

Abstract

Perkembangan industri UMKM memberikan pengaruh yang signifikan terhadap perekonomian di Indonesia. Adanya perkembangan teknologi khususnya di bidang pemasaran digital melalui media sosial dan e-commerce merupakan salah satu strategi pemasaran yang memiliki dampak signifikan bagi pelaku usaha UMKM. Media sosial adalah platform yang memiliki pengaruh signifikan untuk meningkatkan penjualan khususnya UMKM di Indonesia. Besarnya jumlah dan jenis UMKM di Indonesia saat ini tentunya memberikan dampak yang positif bagi masyarakat Indonesia. Penggunaan media sosial dan e-commerce yang tepat dan optimal akan mampu meningkatkan daya saing UMKM di era persaingan digital saat ini. Sebagai salah satu UMKM potensial di Kota Malang yang memiliki kualitas produk yang sangat baik dan bervariasi, UMKM produsen makanan ringan yang dituju masih belum mampu mengoptimalkan kegunaan dari media sosial untuk kepentingan bisnis mereka. Kegiatan pengabdian ini bertujuan untuk memberikan pembekalan keterampilan dan pelatihan bagi UMKM terkait pembuatan dan optimalisasi konten media sosial guna meningkatkan daya saing bisnis. Tahapan kegiatan pengabdian meliputi tahap persiapan, perencanaan, pelaksanaan, dan evaluasi. Adapun output dari kegiatan ini adalah keterampilan dan pengetahuan bagi UMKM terkait pembuatan dan optimasi konten media sosial untuk meningkatkan daya saing. Kata kunci— UMKM, Konten, Optimasi, Media sosial Abstract The development of the MSMEs industry has a significant influence on the economy in Indonesia. Social media is a platform that has a significant influence on increasing sales, especially MSMEs in Indonesia. The existence of technological developments, especially in the field of digital marketing through social media and e-commerce, is marketing that has a significant impact on MSMEs business actors. The large number and types of MSMEs in Indonesia today certainly have a positive impact on Indonesian society. Appropriate and optimal use of social media and e-commerce will be able to increase the competitiveness of MSMEs in the current era of digital competition. As one of the potential MSMEs in Malang which had very good and varied product quality, MSMEs targeted snack food producers are still not able to optimize the use of social media for their business interests. This service activity aims to provide skills and training for MSMEs regarding the creation and optimization of social media content in order to increase business competitiveness. The stages of community service activities include the preparation, planning, implementation, and evaluation stages. The output of this service activity is skills and knowledge for MSMEs related to creating and optimizing social media content to increase competitiveness. Keywords—MSME, Content, Optimization, Social media
Pembuatan Batik Ecoprint Sebagai Upaya Implementasi Industri Hijau Zutiasari, Ika; Rahayu, Wening Patmi; Fitri, Raisa; Agnesia, Rila Ayu; Zumroh, Siti
Jurnal KARINOV Vol 6, No 3 (2023): September
Publisher : Institute for Research and Community Service (LP2M), Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um045v6i3p156-160

Abstract

Ecoprint merupakan salah satu teknik pewarnaan kain yang saat ini sedang trend dikalangan pelaku usaha busana dan pengrajin tekstil. Dengan memanfaatkan bahan-bahan alami yang mudah diperoleh dan ramah lingkungan, maka ecoprint ini menjadi salah satu peluang usaha busana. Kegiatan ini dilakukan di lapas perempuan Malang, dimana kesediaan SDM berlimpah di lokasi. Berdasarkan analisis kebutuhan, perlu berbagai kegiatan untuk meningkatkan keterampilan warga binaan yang sekaligus dapat menghasilkan produk yang memiliki nilai ekonomis yang tinggi. Kegiatan yang dilakukan tim yaitu memberikan edukasi terkait pengenalan batik ecoprint. Peserta mengikuti sesi penyampaian materi hingga selesai. Materi harus dipahami sebagai dasar atau wawasan untuk praktik baik membuat batik ecoprint yang baik dan benar. Kegiatan selanjutnya adalah praktik pembuatan batik menggunakan teknik ecoprint. Pada saat pelaksanaan kegiatan, seluruh peserta melaksanakan praktik langsung bersama dengan tenaga ahli yang mendampingi para peserta. Program ini memberikan dampak positif diantaranya, bagi warga binaan untuk menambah keterampilan yang dapat mereka manfaatkan setelah membaur kembali di lingkungan masyarakat. dampak lainnya kegiatan ini yaitu bentuk pelestarian terhadap lingkungan dengan memanfaatkan bahan-bahan dasar batik yang ramah lingkungan. Kata kunci— Batik, Ecoprint, Industri hijau, Warga binaan Abstract Ecoprint is one of the fabrics dyeing techniques that is currently trending among fashion businesses and textile craftsmen. By utilizing natural materials that are easily obtained and environmentally friendly, this eco-print becomes one of the fashion business opportunities. This activity was carried out in Malang women's prison, where human resources were abundant. Based on the needs analysis, various activities are needed to improve the skills of fostered citizens who can, at the same time, produce products that have high economic value. The activities carried out by the team are providing education related to the introduction of ecoprint batik. Participants attended the material delivery session to completion. The material must be understood as a basis or insight for good practices (best practice) in making excellent and correct ecoprint batik. The next activity is the practice of making batik using ecoprint techniques. During the implementation of the activity, all participants carry out direct practice together with experts accompanying the participants. This program has a positive impact, among others, for fostered residents to increase skills they can use after reintegrating into the community. Another impact of this activity is a form of preservation of the environment by utilizing basic materials of environmentally friendly batik. Keywords—Batik, Ecoprint, Green industry, Fostered citizens
Peran Adopsi E-WOM sebagai Mediasi Perceived Usefulness dan Perceived Credibility terhadap Purchase Intention Komunitas Virtual Satwika, Bayu Virgya; Fitri, Raisa
Ekonomi Bisnis Vol 28, No 1 (2023): EKONOMI BISNIS March 2023
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v28i1p52-64

Abstract

Komunitas virtual telah mengambil peran penting dalam penyampaian informasi elektronik dari mulut ke mulut di kalangan penggemar mode. Namun, mekanisme transfer eWOM di antara anggota komunitas virtual yang memengaruhi niat pembelian produk belum sepenuhnya dipahami. Penelitian ini bertujuan untuk menguji pengaruh variabel Perceived Usefulness, Perceived Credibility, dan E-WOM Adoption terhadap Purchase Intention anggota komunitas virtual. Populasi dalam penelitian ini adalah anggota komunitas Denim Enthusiasts, dengan 160 sampel yang dipilih secara purposive sampling dengan pengumpulan data menggunakan kuesioner. Data yang terkumpul dianalisis menggunakan Structural Equation Modeling Partial Least Square (SEM-PLS) dengan perangkat lunak SmartPLS. Hasil analisis menunjukkan bahwa Perceived Usefulness dan Perceived Credibility memengaruhi E-WOM Adoption secara signifikan. Perceived Credibility dan E-WOM Adoption memengaruhi Purchase Intention secara signifikan, sedangkan Perceived Usefulness tidak signifikan. Penerapan E-WOM dapat memediasi pengaruh Kegunaan yang Dirasakan dan Kredibilitas yang Dirasakan terhadap Niat Pembelian.
Eskalasi Literasi Keuangan Dalam Pengelolaan Keuangan Keluarga Sebagai Upaya Minimalisasi Digital Fraud Della Ayu Zonna Lia; Raisa Fitri; Rayie Tariaranie
PERDULI: Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 1 (2024): PERDULI: Jurnal Pengabdian kepada Masyarakat
Publisher : Pascasarjana Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/perduli.v5i1.38877

Abstract

Literasi keuangan menjadi salah satu aspek penting dalam upaya pengelolaan keuangan keluarga. Indeks literasi keuangan Indonesia mencapai 49,5% pada tahun 2022 menurut OJK (Annur, 2022). Meskipun mengalami peningkatan, pengembangan softskill mengenai pengelolaan keuangan dalam keluarga masih perlu dilakukan guna efisiensi manajemen keuangan (Sukirman et al., 2019). Selain pengelolaan keuangan keluarga, literasi keuangan juga memiliki kaitan erat dengan pencegahan cybercrime atau digital fraud yang ada di masyarakat. Kejahatan berupa sim swap, OTP fraud, dan phishing menjadi salah satu kejahatan yang marak di Q1 tahun 2023 (Kristiani, 2023). Melalui kondisi tersebut, pengabdian masyarakat ini dilakukan untuk mengedukasi ibu rumah tangga di Desa Bumiaji Kota Batu agar lebih memiliki kemampuan mengelola keuangan keluarga secara efektif terutama dalam upaya minimalisir digital fraud. Kegiatan sosialisasi dan pendampingan dilaksanakan di Balai Desa Bumiaji secara interaktif. Sehingga, peserta mampu memahami materi, melakukan diskusi dan mendapatkan jawaban atas permasalahan yang dihadapi dalam pengelolaan keluarga.