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All Journal Jurnal Promosi Pendidikan Ekonomi ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar BERDAYA: Jurnal Pengabdian Kepada Masyarakat
Ayu Febrianti
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Religion Economics, Econometrics & Finance Education Social Sciences

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ANALISIS KEGIATAN PROGRAM KREATIVITAS MAHASISWA KEWIRAUSAHAAN (PKM-K) PEMANFAATAN LIMBAH RUMAH TANGGA (KALENG, KACA, STYROFOAM, KARDUS, KULIT TELUR) Neta Dian Lestari; Ayu Febrianti
PROMOSI: Jurnal Program Studi Pendidikan Ekonomi Vol 6, No 2 (2018): PROMOSI
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/pro.v6i2.1686

Abstract

 Seeing the condition of our environment which is disputed every day by waste which is increasingly mounting as if this waste is the main problem faced by the government and society. So that people in several countries and even all over the world are competing to solve this problem. If we talk about this waste problem, actually this waste has many benefits including making home decorations, eye cendra, and souvenirs (typical gifts of ASIAN GAMES). Implementation methods carried out in carrying out PKM-K activities Utilization of Household Waste (Cans, Glass, Styrofoam, Cardboard, Eggshells), that consists of some Stages: Preparation, Production, Marketing, Achieving Objectives, Evaluations and Reports. Based on the marketing results of several bazaar activities, the conclusion was that PKM-K Utilization of Household Waste is very beneficial for the surrounding environment because it can recycle waste into creative products. Based on the results of this utilization, PKM-K activities can generate benefits for students financially, the profit obtained from waste treatment is 73.73%. 
Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Keputusan Penggunaan Pay-Later Ayu Febrianti; Lastari, Adria Wuri; Evrina
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11268

Abstract

The use of pay-later services among university students continues to increase, but research integrating financial literacy and lifestyle in explaining decisions to use these services remains limited. This study aimed to analyze the effects of financial literacy and lifestyle on decisions to use pay-later services among students of the Management Study Program, Faculty of Economics, Universitas Adiwangsa Jambi. The study employed a quantitative approach with a causal-associative design. The research sample consisted of 55 students selected through purposive sampling based on the criteria of being active students who were aware of or had previously used pay-later services. Data were collected using a Likert-scale questionnaire and analyzed through Partial Least Squares–Structural Equation Modeling with the assistance of SmartPLS. The results showed that financial literacy had a positive and significant effect on decisions to use pay-later services (β = 0.305; p = 0.003). Lifestyle also had a positive and significant effect on decisions to use pay-later services (β = 0.502; p < 0.001) and was the more dominant factor. Financial literacy and lifestyle jointly explained 52.3% of the variation in decisions to use pay-later services. These findings strengthen the application of the Theory of Planned Behavior in the context of digital financing and confirm that decisions to use pay-later services are influenced not only by the ability to understand financial matters but also by students’ consumption patterns. Practically, higher education institutions need to develop digital financial literacy programs accompanied by efforts to strengthen students’ ability to control consumptive behavior. Future studies are recommended to examine the roles of self-control, income, promotion, and social influence in explaining decisions to use pay-later services. Keywords: Financial Literacy; Lifestyle; Usage Decision; Pay-Later; University Students
Membangun Kebiasaan Cerdas Finansial pada Siswa Pondok Pesantren NW Montong Lisung melalui Edukasi Manajemen Keuangan Kurniati, Mia; Sutriningsih; Sukmalasari Putri, Tutik; Ayu Febrianti
BERDAYA : Jurnal Pengabdian Kepada Masyarakat Vol 4 No 2 (Oktober) (2026): BERDAYA:Jurnal Pengabdian Kepada Masyarakat
Publisher : UIR PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/berdaya.2026.27839

Abstract

Low financial literacy among students, particularly in Islamic boarding schools, poses a challenge in fostering early economic independence. At Pondok Pesantren NW Montong Lisung, students generally lack the ability to manage pocket money, maintain financial records, and develop saving habits. This condition underlies the implementation of a community service program aimed at building smart financial habits through financial management education. The method employed a participatory approach consisting of counseling, training, and mentoring stages. Evaluation was conducted using pre-test and post-test, observation, and assessment of students’ financial record practices. The results showed a significant improvement in students’ financial literacy, increasing from an average of 42.5% to 79.5%, along with positive behavioral changes such as increased saving habits and better expense control. These findings indicate that financial management education is effective in improving students’ financial understanding and skills. Therefore, this program is important to be implemented sustainably to support the development of students’ economic independence in the future.
Co-Authors Evrina Kurniati, Mia Lestari, Adria Wuri Neta Dian Lestari Sukmalasari Putri, Tutik Sutriningsih