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All Journal Jurnal Kajian Manajemen Bisnis JAM Jurnal Riset Akuntansi Terpadu Management Analysis Journal EKONOMIS : Journal of Economics and Business Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Buletin Ilmiah Nagari Membangun Jurnal Inovasi Pendidikan Ekonomi Equity: Jurnal Ekonomi Jurnal Eksplorasi Akuntansi (JEA) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Operations Management and Information System Studies Jurnal Nusantara Mengabdi Riset Akuntansi dan Keuangan Indonesia Jurnal Akuntansi dan Governance Andalas
Verni Juita
Fakultas Ekonomi, Universitas Andalas Padang, Sumatera Barat
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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The level of digital financial literacy and financial well-being of people in West Sumatra Indonesia Rita Rahayu; Verni Juita; Annisa Rahman; Suci Fitriamiranti; Ratnawati Rafles
Operations Management and Information System Studies Vol. 2 No. 2 (2022): Operations Management and Information System Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/omiss.v2i2.73

Abstract

This study aims to investigate the factors that influence the level of digital financial literacy (DFL) of the people in West Sumatra. This study is also aimed to investigate the impact of DFL on financial well-being and financial problem. Survey method by using online questionnaire was applied in this study. Based on data from 715 respondents analyzed by using Structural Equation Model, it was found that the social-economic factors, such as age, educational background, and income, have a positive and significant relationship with the level of DFL. Moreover, this study also found that the DFL has a positive impact on financial well-being and financial problem. It means that the higher of DFL, the higher the financial well-being, while the higher DFL, the lower financial problems. This research provides empirical evidence regarding the impact of DFL on financial well-being that might be useful for the policymaker to make a policy related to the DFL.
Impact, benefits, security, and privacy of fintech adoption in Indonesia: A literature review Verni Juita; Husna Roza; Rita Rahayu
Operations Management and Information System Studies Vol. 2 No. 3 (2022): Operations Management and Information System Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/omiss.v2i3.74

Abstract

The growth of Financial Technology (FinTech) in Indonesia has continued to increase in recent years, along with the development of information technology and the use of the internet. These developments have driven the rapid growth of studies related to Fintech in Indonesia. In this regard, this research intends to conduct a systematic literature review of various studies related to FinTech in Indonesia that were made and published in the last ten years. To achieve this objective, this study utilizes the publish and perish application version 7 to access the Google Scholar database and select it using several keywords that match this research topic. The reviewed studies were selected based on the level of accreditation of the journal where the research articles were published, either by national accreditation (Sinta) or international accreditation (Scopus). Furthermore, they were analyzed and processed using simple descriptive statistical analysis using MS Excel. This research found that over the past ten years, there are 79 journal articles related to Fintech in Indonesia, of which 44 of them are published in journals accredited by Sinta, and the rest 35 were accredited by Scopus. Moreover, most of the reviewed studies only discuss the usage of Fintech in general, especially those related to the use of P2P Lending and mobile payments. Regarding the methodology used in the studies, there are significant differences between journal articles published in the Scopus and Sinta Journals. The Scopus-accredited journal articles are dominated by research using quantitative methods, whereas the Sinta-accredited journal articles tend to use qualitative methods. These results highlight that there is still plenty of room to extend the research topic of fintech studies in Indonesia, such as the security and privacy issues related to fintech adoption.
Perencanaan dan Pengelolaan Keuangan Keluarga di Masa Pandemi Covid-19 Rita Rahayu; Verni Juita; Denny Yohana; Annisa Rahman; Rahmat Febrianto
Warta Pengabdian Andalas Vol 29 No 3 (2022)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jwa.29.3.299-304.2022

Abstract

This activity aims to provide training and understanding to the community on the importance of family financial planning and management. This activity was motivated by the current conditions of the Covid-19 pandemic. When the wheels of the economy became disrupted, many companies went out of business and went bankrupt, resulting in many companies that laid off their employees. This will undoubtedly have a significant impact on disrupting the family economy on a small scale and the country's economy on a larger scale. Therefore, this service activity needs to be carried out because, through the ability to plan and manage sound finances, it is believed that it will help the family in planning their grievances so that financial problems can be minimized. The activities carried out were workshops and seminars involving homemakers in Padang. The selection of homemakers in this activity was because a mother is a financial manager in a family. So that the mother's ability to manage finances determines the family's financial condition, this activity was carried out for one day. The result of this activity was an increase in the ability of homemakers to manage and plan finances.
Peningkatan Daya Saing Produk “RAYO” dengan Pelatihan Ragam Teknik dan Motif Rajut pada Sanggar Kerajinan Wanita Rangkiang Selayo Verni Juita; Warnida Warnida; Fitriyeni Oktaviani
Warta Pengabdian Andalas Vol 29 No 4 (2022)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jwa.29.4.407-416.2022

Abstract

Sanggar Rangkiang is a women’s group in Selayo village with a common interest in improving their family living standards. Through the group, they learn together how to master knitting skills. Using their little own pocket money, they try to buy the knitting material and turn it into various kinds of knitted products. Some have also successfully sold the products to their acquaintances through direct selling or personal approaches. Despite those achievements, however, this group has been facing critical challenges, such as limited product varieties, unstandardized product qualities, and lack of neat consistency, undermining the product’s potential to compete in the larger knitted products market. Due to this condition, the team of Universitas Andalas has provided knitting materials and conducted training series on various knitting techniques and models. The training was conducted through three sections the delivery of learning materials through lecturing, the application of learning materials, and counselling and monitoring through mentoring. After the training, the participants can produce a variety of good-quality products according to the given time target. Ultimately, the knitted products are expected to be sold in the larger market, paving the way for their business independence.
Penyusunan Laporan Keuangan berbasis Spreadsheet untuk Badan Usaha Milik Nagari (BUMNAG) di Tanah Datar Sumatera Barat Rita Rahayu; Verni Juita; Husna Roza; Annisa Rahman; Deny Yohana; Rayna Kartika
Jurnal Nusantara Mengabdi Vol. 1 No. 2 (2022): Februari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (842.272 KB) | DOI: 10.35912/jnm.v1i2.756

Abstract

Purpose: the purpose of this activity is to assist Village Owned Enterprises (BUMDes) in compiling their financial reports by designing simple programs using MS Excel.. Method: the are 4 stages conducted in this activity, which are identification stage of the business field, designing code of account, designing simple application with MS Excel, and training the users. Result: The result of this activity is a simple application for preparing financial reports using the excel program. This application can help BUMDes managers in preparing their financial reports Contribution: The results of this activity are very useful for BUMDes managers because it can help them in preparing financial reports
Pembenahan Pencatatan dan Pelaporan Keuangan Sanggar Rangkiang Salayo dengan menggunakan Program Akuntansi berbasis Excel Verni Juita; Fitriyeni Oktavia
Warta Pengabdian Andalas Vol 30 No 2 (2023)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jwa.30.2.288-296.2023

Abstract

Sanggar Rangkiang Salayo is a women's business group in Solok, West Sumatra. It has been developing a knitting business. The business program focuses on improving product quality, innovation, and systematic business administration. One of the essential aspects of business administration is having good and proper financial records and reporting. Several activities have been carried out to improve the recording and reporting of their business finances using an Excel-based accounting program. In this activity, participants were given training and accompanied when practising each financial recording and reporting stage using a pre-designed accounting program. The method used in this activity was providing material through lectures and training using Excel-based accounting programs demonstrated in front of the training participants. This Excel-based accounting program was designed according to Micro, Small and Medium Entity Financial Accounting Standards (SAK EMKM), which consists of six working papers integrated. The results of this activity were members of the Rangkiang Salayo who were more skilled in recording and reporting financial transactions for their business.
Financial Well-being in Digital Environment: Evidence from Indonesia Rita Rahayu; Syahril Ali; Verni Juita; Lisa Fitriani Rahman
Management Analysis Journal Vol 12 No 4 (2023): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v12i4.75815

Abstract

Penelitian ini bertujuan untuk memberikan gambaran mengenai konsep kesejahteraan finansial dari sudut pandang masyarakat di Indonesia. Selain itu, penelitian ini juga mencoba melihat apakah faktor individu merupakan faktor penting yang menentukan kesejahteraan finansial masyarakat di Indonesia. Penelitian ini menggunakan metode campuran yang menggabungkan Focus Group Discussion (FGD) dan metode survei. Dalam penelitian ini FGD digunakan untuk mengumpulkan informasi mengenai persepsi masyarakat terhadap konsep kesejahteraan finansial, dan dalam FGD ini diikuti oleh 13 informan. Sedangkan metode survei digunakan untuk mengidentifikasi faktor-faktor yang mempengaruhi kesejahteraan finansial. Dalam hal ini, terdapat 291 responden yang berpartisipasi dalam survei online. Data yang diperoleh dari FGD diolah menggunakan NVIVO, sedangkan data yang diperoleh dari survei dianalisis menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa usia, status perkawinan, status pekerjaan, pendidikan terakhir, dan jumlah pendapatan menentukan tingkat kesejahteraan di Indonesia. Hasil penelitian ini diharapkan dapat menjadi bahan pertimbangan berbagai pihak dalam mengambil kebijakan, khususnya kebijakan yang berkaitan dengan mendorong peningkatan kesejahteraan masyarakat.
Understanding Impulsive Buying Behaviour Among Buy Now Pay Later (BNPL) Users and its Implication for Overconsumption and The Environment Verni Juita; Vera Pujani; Rida Rahim; Rita Rahayu
Management Analysis Journal Vol 12 No 4 (2023): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v12i4.75816

Abstract

Over the last decade, the popularity of "buy now, pay later" (BNPL) in Indonesia has been increasing due to the various attractive offers available to consumers. However, the unwise use of BNPL may cause impulsive buying behavior, leading to excessive consumptions and waste productions that ultimately negatively affect the environment. Therefore, it is important to understand factors influencing the use of BNPL and impulsive buying behavior in order to help the BNPL users to use it more responsibly, ultimately control their consumption and reduce unnecessary wastes. This study explores the influence of BNPL users' digital financial literacy, self-control, and perceived risk on their impulsive buying behaviors. This study surveys BNPL users in Indonesia through various online channels. Using PLS Smart 3.0 on the survey data of 185 respondents of BNPL users, this study found that digital financial literacy and self-control influenced the impulsive buying behavior of BNPL users. However, the results also show that self-control has a greater influence than digital financial literacy on the impulsive buying behavior of BNPL users. In contrast, risk perception showed the opposite result. Hence, a policy strategy involving self-control and DFL in minimizing impulsive buying should be implemented to avoid overconsumption and waste crises.
Digital and Financial Access: Evidence from Household Consumption in Indonesia Besti Novianda; Indah Maya Sari; Verni Juita
Equity: Jurnal Ekonomi Vol 11 No 2 (2023): Equity: Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v11i2.227

Abstract

This research focuses on the influence of formal finance access and digital financial services on household consumption in Indonesia. Researchers use secondary data by digging into information obtained from Susenas 2019 and using The Ordinary Least Square (OLS) method. The research results show that the development of Access to formal finance and digital financial services is increasingly developing, which will increase household consumption in Indonesia. The results of this study are based on previous studies. The results imply that digital financial inclusion can increase household consumption expenditure in Indonesia. It is important for policymakers to find the right mechanism to improve the financial well-being of Indonesia's economically vulnerable population. Promoting the comprehensive and balanced development of financial institutions is an important step to stimulate household consumption. Therefore, financial institutions need to embrace digital finance as a great opportunity and expand their market by providing easier access to financial services for low- and middle-income households so that people can reap the desired benefit.
PERAN AKUNTAN PROFESIONAL DALAM MENDUKUNG PENGELOLAAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DI KOTA PADANG Verni Juita
Jurnal Akuntansi dan Governance Andalas Vol 3 No 1 (2020)
Publisher : Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jaga.v3i1.48

Abstract

Tantangan yang dihadapi oleh UMKM membutuhkan dukungan pihak eksternal seperti Kantor Akuntan Publik dalam meningkatkan pengelolaannya. Secara khusus, studi ini mengeksplor berbagai jasa pelayanan yang disediakan oleh KAP kepada UMKM di Kota Padang, termasuk peluang dan tantangan yang dihadapi oleh mereka. Pengumpulan Data dilakukan melalui survey dengan kuesioner terstruktur yang ditujukan kepada KAP di Kota Padang. Penelitian ini bersifat memberikan penjelasan (explanatory research) dan teknik pengambilan sampel menggunakan metode purposive sampling. Data dianalisa dengan menggunakan teknik analisa statistic deskriptif sederhana. Hasil yang didapat memperlihatkan luasnya variasi jasa layanan akuntan professional kepada UMKM, seperti jasa penghitungan dan pelaporan pajak, konsultasi berbagai masalah bisnis, audit independen jasa pembukuan dan pembuatan laporan keuangan. Meskipun menghadapi beberapa kendala seperti: sulitnya mencari SDM KAP yang berkualitas dan minimnya kemampuan keuangan UKM untuk menggunakan jasa akuntan professional, namun masih terdapat peluang pendampingan pengelolaan dengan inisiatif dari akuntan professional, UKM dan pemerintah dalam peningkatan pengelolaan UMKM.
Co-Authors Abd. Rasyid Syamsuri Abdul Karib Agustria, Deni Amsal Djunid Anggraeni, Dian Yuni Annisa Rahman Ardhani, Alya Azilah Arpinda, Nadhyre Asniati Asniati Besti Novianda Denny Yohana Deny Yohana Desriani, Rahmi Febiansyah, Naufal Dwi Fitriyeni Oktaviani Husna Roza Ida Ayu Putu Sri Widnyani Indah Maya Sari Kevry Ramdany Lisa Fitriani Rahman Ludipa, Olin Meisa Melia Yulianti Nasha, Nadya Putri Oktavia, Fitriyeni Rahayu, Rita Rahmat Febrianto Rahmat Kurniawan Ratnawati Rafles Rayna Kartika, Rayna Rida Rahim Rinaldi Munaf Silfia Riski Silmi Silmi Sri Dewi Edmawati Suci Fitriamiranti Syahril Ali Syahril Ali Tria Najla Prima Hermanto Vera Pujani Warnida Warnida Yupita, Lasmi Yurniwati Yurniwati