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All Journal Ekuitas: Jurnal Pendidikan Ekonomi International Journal of Local Economic Governance Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) CARADDE: Jurnal Pengabdian Kepada Masyarakat JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurnal Karinov Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Unram Journal of Community Service (UJCS) Journal of Interdisciplinary Socio-Economic and Community Study TRANSAKSI JOMPA ABDI: Jurnal Pengabdian Masyarakat Buletin Ekonomika Pembangunan DIKTUM: JURNAL SYARIAH DAN HUKUM Ekuitas Jurnal Pnedidikan Ekonomi Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah Meuseuraya
Santi Merlinda
Universitas Negeri Malang
Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Millennial’s Investment Decisions: Implications of Financial Literacy, Motivation, and Digitalization Vidya Purnamasari; Santi Merlinda; Bagus Shandy Narmaditya; M. Rudi Irwansyah
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 9 No. 2 (2021)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v9i2.39328

Abstract

Investment as a means of developing assets is no longer a luxury activity reserved for a select few. Nowadays, as financial technology advances, everyone has equal access to investment information. This change generates new perspectives in which investing is not restricted to the wealthy, leading everyone, even on-budget millennials to be investors. The purpose of this research is to determine the variables affecting investing decisions at an early age, especially among millennials. This research adopted single-equation regression models to examine the dependent variable on several explanatory variables and estimate mean or average value. The data was generated using a questionnaire to 140 respondents. Three distinct variables utilized as independent variables are financial literacy, motivation, and the digitization of investing platforms. The findings indicate that financial literacy and motivation substantially affect millennials’ investment decisions, while digitization presents no correlation to the Millennials’ investment decisions.
Diseminasi Akad Transaksi Limbah Berbasis Halal dalam Pupuk Organik Serta Peningkatan Interesting Packaging Olahan Pupuk Merlinda, Santi; Purnamasari, Vidya; Suwanan, Ahmad Fawaiq
Jurnal KARINOV Vol 7, No 2 (2024): Mei
Publisher : Institute for Research and Community Service (LP2M), Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um045v7i2p091

Abstract

Berbagai kajian ilmiah menegaskan bahwa limbah ternak sapi menjadi sumberdaya yang sangat potensial, baik dari segi pertanian, maupun ekonomi apabila dikelola sesuai standar keselamatan dan kesehatan. Namun, berdasarkan Mazhab Syafi’i, hukum muammalah transaksi jual-beli pupuk kotoran sapi adalah haram, sehingga diperlukan program pelatihan untuk diseminasi akad dalam penjualan hasil prdoduksi pupuk tersebut. Program Pengabdian Kepada Masyarakat ini bertujuan untuk memberikan pemahaman kepada peternak sapi di Desa Belung tentang akad transaksi hasil olahan pupuk berbasis halal industri serta memberikan pelatihan dalam pengemasan produk pupuk dari hasil olahan limbah ternak sapi. Kegiatan ini dilakukan melalui tiga tahapan, yaitu (1) perencanaan yang meliputi perencanaan anggaran dan langkah kerja strategis, (2) pelaksanaan yang meliputi pelatihan diseminasi akad limbah ternak berbasis halal industri, pelatihan pembuatan pupuk padat, dan pelatihan pengemasan pupuk hasil olahan, dan (3) evaluasi melalui pengamatan partisipasi aktif peserta dan output kemasan pupuk limbah ternak sapi. Hasil dari kegiatan ini adalah peningkatan pengetahuan peternak sapi di Desa Belung tentang: akad transaksi pupuk limbah ternak berbasis halal industri, proses pembuatan dan pengemasan pupuk padat. Sebagai kelanjutan dari program ini, diharapkan dapat dilaksanakan pamsaran pupuk limbah sapi agar jangkauannyalebih luas dan kesejahteraan peternak sapi meningkat. Kata kunci— Halal Industri, Limbah Ternak Sapi, Pakcaging Pupuk Abstract Various scientific studies confirm that cattle waste is a potential resource, both in terms of agriculture and the economy, if managed according to safety and health standards. However, based on the Shafi'i Mazhab, the law of transaction cow dung manure is haram, so a training program is needed to disseminate contracts in the sale of fertilizer production results. This Community Service Program aims to provide understanding to cattle farmers in Belung Village about the transaction contract of processed industrial halal-based fertilizers and provide training in packaging fertilizer products. This activity is carried out through three stages, (1) Planning, which includes budget planning and strategic work steps, (2) Implementation, which includes training on dissemination of industrial halal-based livestock waste contracts, training on making and packing solid fertilizers, and (3) Evaluation through observation of active participation of participants and output of cattle waste fertilizer packaging. The result of this activity is an increase in the knowledge of cattle farmers in Belung Village about waste fertilizer transaction-based halal contracts, solid fertilizer manufacturing processes, and attractive fertilizer packaging. As a continuation of this program, it is expected that training can be carried out to market fertilizers processed so that the market reach is more comprehensive and the welfare of cattle farmers increases. Keywords— Halal Industry, Cattle Waste, Packaging Fertilizer
Optimalisasi Pengelolaan Sampah Rumah Tangga untuk Akselerasi Kesejahteraan Masyarakat Melalui Bank Sampah: Eksistensi Konsep Circular Economy Merlinda, Santi; Qurrata, Vika Annisa; Seprillina, Linda; Yusida, Ermita; Suwanan, Ahmad Fawaiq; Purnamasari, Vidya
Jurnal KARINOV Vol 7, No 1 (2024): Januari
Publisher : Institute for Research and Community Service (LP2M), Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um045v7i1p047

Abstract

Sukun Berdaya memiliki bank sampah Sukun Berseri yang mengelola sampah organik rumah tangga menjadi pupuk kompos. Namun, terdapat kendala-kendala yang memerlukan solusi penyelesaiannya, yaitu (1) minimnya pengetahuan pengurus terhadap proses pengolahan sampah rumah tangga menjadi pupuk organik, (2) ketiadaan alat pencacah, (3) penggunaan tong untuk composter yang menimbulkan bau tidak sedap, (4) kualitas pupuk yang belum memenuhi standar, (5) kemasan pupuk yang belum sesuai standar, dan (6) belum adanya distributional-chain untuk memasarkan hasil produksi pupuk. Metode pengabdian yang digunakan untuk mengatasi masalah tersebut yaitu pelatihan dan pendampingan, serta pemberian alat-alat pendukung. Hasil dari program pengabdian ini adalah peningkatan pengetahuan dan keterampilan masyarakat dalam memproduksi pupuk kompos sesuai dengan standar. Selain itu, pemberian alat pencacah dapat meningkatkan efisiensi proses pencacahan sampah menjadi partikel yang lebih kecil. Composter bag juga dapat mencegah terjadinya pencemaran udara akibat proses composting. Pemberian kemasan dan label dapat menjamin kualitas pupuk kompos hingga sampai ke tangan pelanggan serta lebih menarik konsumen. Terakhir, pelatihan pemasaran online dan offline dapat menciptakan distributional-chain sekaligus memperluas pasar. Program selanjutnya dapat membantu dalam uji kualitas dan standar pupuk yang dihasilkan serta menjalin program kemitraan. Kata kunci— Pengabdian Masyarakat, Bank Sampah, Pupuk Kompos, Ekonomi Sirkuler Abstract Sukun Berdaya Village has a Sukun Berseri waste bank that manages household organic waste into compost. However, there are obstacles that require solutions, namely (1) the lack of knowledge of the management on the process of processing household waste into organic fertilizer, (2) the absence of shredders, (3) the use of barrels for composter that causes unpleasant odors, (4) the quality of fertilizers that have not met the standards, (5) fertilizer packaging that is not up to standard, (6) there is no distributional-chain to market fertilizer production. The dedication methods used to overcome these problems are training and mentoring, as well as the provision of supporting tools. The result of this service program is an increase in community knowledge and skills in producing compost in accordance with standards. In addition, the provision of a shredding device can increase the efficiency of the process of shredding waste into smaller particles. Composter bags can also prevent air pollution due to the composter process. Packaging and labeling can ensure the quality of compost until it reaches customers and attracts consumers more. Finally, online and offline marketing training can create a distributional-chain while expanding the market. The further program can assist in testing the quality and standards of fertilizers produced and establishing a partnership program. Keywords— Community Service, Waste Bank, Compost, Circular Economy
The Determinant of Moslem’s Decision in Performing Commerce Zakat Payment: Case Study in Malang City, East Java Province Merlinda, Santi; Burhan, Umar; Ekawaty, Marlina
International Journal of Social and Local Economic Governance Vol. 2 No. 1 (2016)
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ijleg.2016.002.01.7

Abstract

Zakat has known as one of the vital instrument in economic that holds some benefits for increasing aggregate demand, expanding job opportunities, reducing poverty and triggering economic growth. As one of the large cities in East Java Province, Malang has a potential issue through commerce zakat which most of the people’s livelihood engaged to and composition of regional income (PDRB) is dominated by a commerce sector. On the other hand, it is not supported by the real condition in the field that shows the opposite compared to the low percentage of commerce Zakat payer. Based on the reason, the author is triggered to investigate and to elaborate the complexity of Moslem’s decision in performing commerce zakat payment. This research relies on Multistage Sampling Method involved 100 participants by taking location at Malang. Furthermore, the accumulated data field is analyzed through Logit Method to identify the influential factor of the decision in Zakat payment. Processed data binary logit regression determines the most influential factor of Moslem’s decision in performing commerce zakat payment in Malang which relies on the level of income and their knowledge about Zakat’s scheme. According to this result, businessmen or traders who have high income level and moderate comprehension of laws, percentage, extrapolation, nisab, and paying period of commerce zakat have bridged up into a higher probability to perform commerce zakat. Whereas level of age, formal education, non-formal education, motivation, availability of Amil Zakat Institution (LAZ) and business period do not affect the decisions.Keywords: decision to perform Zakat, Commerce Zakat, Logit Analysis, Malang City
PENGARUH INFRASTRUKTUR E-SPORTS TERHADAP PERTUMBUHAN EKONOMI NEGARA ASIA TENGGARA Ramadhan, Rahmat; Merlinda, Santi
Bina Ekonomi Vol. 28 No. 2 (2024): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/be.v28i2.7906.111-127

Abstract

This research discusses the influence of  infrastructure as a supporting factor for economic growth in Southeast Asian countries. This research uses a quantitative approach with data collection techniques through literature study. The data used is from 2016 to 2022. The independent variable data used in this research are: Number of Mobile Legends Players, Number of Mobile Legends Venues and Information and Communication Technology Development Index in Southeast Asian Countries. Then the dependent variable is National Income in Southeast Asian Countries. The research results show that the number of players variable has a significant effect on national income, the number of venues has no significant effect on national income, and the information and communication technology development index variable has a significant effect on the national income variable. Then, if viewed simultaneously, the variables number of players, number of venues and the information and communication technology development index on simultaneous have a significant effect on national income. These three variables have an influence on national income of 68%, while the deficiency of 32% is influenced by other variables outside the research.
Transformasi Digital Kantor Desa Wonokerso Kabupaten Malang Untuk Memperkuat Administrasi dan Mewujudkan SDGS 11 Rakhmad, Andro Agil Nur; Nanda, Hanjar Ikrima; Merlinda, Santi; Munir, Syahrul
Jompa Abdi: Jurnal Pengabdian Masyarakat Vol. 3 No. 4 (2024): Jompa Abdi: Jurnal Pengabdian Masyarakat
Publisher : Yayasan Jompa Research and Development

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57218/jompaabdi.v3i4.1237

Abstract

Pengabdian kepada Masyarakat ini telah dilaksanakan dengan pembuatan dan pengelolaan manajemen administrasi berbasis elektronik yaitu, Website Aplikasi Sistem Informasi Arsip Digital Desa (www.wonokerso.com), serta pelatihan pengelolaan arsip bagian tata usaha Desa Wonokerso dengan pengetahuan tentang digitalisasi arsip, karena sebelumnya penggunaan arsip diterapkan secara manual, belum terklasifikasi, dan belum memiliki sistem pengarsipan yang baik. Akibatnya, arsip-arsip yang dimiliki desa tersebut rentan terhadap kehilangan karena tidak tertata dengan baik. Metode pengabdian masyarakat digunakan dari pembuatan website, pelatihan dan pendampingan pengelolaan arsip digital: 1) Persiapan dan pembuatan website arsip digital, 2) Pelatihan penggunaan kearsipan digital, dan 3) Pendampingan dilakukan paska pelatihan untuk membantu peserta menyelesaikan masalah baru di lapangan yang belum dibahas pada saat pelatihan. Evaluasi dilakukan secara online melalui email atau grup WhatsApp. Melalui kegiatan pengabdian ini, ada beberapa hasil yang sudah diterapkan: 1) Peningkatan pengetahuan peserta pelatihan umum tentang cara mengelola arsip dan arsip digital secara dasar, 2) Peserta pelatihan secara keseluruhan dapat menggunakan Website Aplikasi Sistem Informasi Arsip Digital Desa untuk digitalisasi arsip, dan 3) Peserta pelatihan secara keseluruhan memahami proses digitalisasi arsip dari saat arsip diterima hingga saat arsip ditemu kembali.
Anti-Corruption Training for Guardians of Students of Indonesian Migrant Workers in Malaysia Dwiputri, Inayati Nuraini; Merlinda, Santi; Handayani, Sri; Pratama, Aditya; Zulfia, Binta
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.773

Abstract

To support the achievement of the quality of the nation's education through higher education, it should be in harmony and synergy with the activities of the Tri Dharma Lecturer. One of the program is international community service. This community service will be applied to the Indonesian worker community under the Indonesian Embassy, Malaysia. The demand for holistic education is increasingly urgent. The young generation, including Generation Alpha, must be equipped with knowledge, skills and strong values to face the increasingly complex challenges of the future. Anti-corruption education is an important aspect of the education process that is often overlooked or lacking in the formal curriculum. The Indonesian workers' community under the Indonesian Embassy in Malaysia is a gathering place for Indonesian families living abroad, with a focus on education and youth development. Parents have a crucial role in shaping their children's education. However, they often need the right guidance and resources to support their children's development in these aspects. Given these conditions, there is a need to maximize the role of parents in anti-corruption education for the Alpha Generation within the Indonesian working community under the Indonesian Embassy in Malaysia. By involving parents in the education process, we can create an environment that supports the full development of children's potential and help them become citizens of the country that have good responsibility and integrity.
Optimizing Investment Strategies to Improve the Welfare of Migrant Workers Merlinda, Santi; Inayati Nuraini Dwi Putri; Sri Handayani; Fajar Firmasnyah; Syarifah Jamilah
Unram Journal of Community Service Vol. 6 No. 2 (2025): June
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i2.1006

Abstract

The high public interest in becoming migrant workers is motivated by the narrowing number of available jobs and the low wages of domestic workers. This is the reason why migrant workers dare to take the risk to leave their home country and work abroad. However, migrant workers often find challenges and obstacles in financial management of their income while abroad. The financial management constraints faced by migrant workers are triggered by the low level of financial literacy, so a training program related to financial literacy is needed as an effort to improve financial management skills for migrant workers. This service program focuses on investment strategies for the welfare of migrant workers. This program aims to broaden the insights and knowledge of migrant workers regarding the correct investment strategy as an effort to achieve economic independence. The training method carried out in this service program is based on interactive training related to appropriate investment strategies. The results of this study are expected to improve the financial literacy of migrant workers, especially in the context of investing, so that it can be used as a provision for migrant workers to improve their economy sustainably in the long term.
Analisis Supply Chain Bisnis Kuliner Halal UMKM Kelurahan Tulusrejo Widodo, Devita Anggraeni Citra Ayu; Merlinda, Santi
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 2 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i2.30450

Abstract

This study analyzes the supply chain of halal culinary Micro, Small, and Medium Enterprises (MSMEs) in Tulusrejo Village, Malang City, using a descriptive qualitative approach. The three MSMEs examined, namely Qurnia Sari, Van-Van Bakery, and Yamka Cookies, demonstrate a commitment to halal principles and product quality, despite facing challenges in supply chain transparency and the halal certification process. The results indicate that all three MSMEs have implemented halal standards in the selection of raw materials, production, storage, and distribution. However, they face challenges such as limited resources, market competition, and a lack of marketing innovation. Further analysis reveals that the effectiveness of the supply chain is influenced by product quality consistency, distribution strategies, and support for halal certification. Strategic recommendations include enhancing human resource capacity, optimizing digital marketing, and collaborating with stakeholders to strengthen the competitiveness of halal culinary MSMEs
Improving the Capabilities of Micro, Small and Medium Enterprises in Financial Planning and Risk Management Inayati Nuraini Dwiputri; Dwi Wulandari; Santi Merlinda; Vidya Purnamasari
Unram Journal of Community Service Vol. 6 No. 3 (2025): September
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i3.1154

Abstract

The existence of some micro business entrepreneurs who still do not understand well the principles of finance and business risk management, a community service activity is needed in this field. Knowledge of clear financial principles is needed in order to maintain business continuity and efforts to improve the business owned both in terms of turnover and profit to be obtained. There are still quite a lot of micro business entrepreneurs who do not know clearly about the strategy of managing business cash flow and managing risk mitigation that will be faced. This understanding is very important for micro business entrepreneurs to know. A good understanding of financial planning for micro business will be able to help micro business to maintain their business continuity. Therefore, this community service activity was made in an effort to provide solutions to the problems faced by micro business in Batu City, Indonesia in particular. Batu City was chosen as this community service activity because it is one of the tourist cities with high tourist visits in East Java and there are many MSME entrepreneurs in Batu City.
Co-Authors Abbas, Muhammad Hasyim Ibnu Abdul Azis Aditya Pratama Agus Sumanto Ahmad Fawaiq Suwanan Andro Agil Nur Rakhmad Annisya, Annisya Bagus Shandy Narmaditya Dhita Aulia Rahmayanti Diana Tien Irafahmi Dwi Wulandari Elmira Mufliha Camila Elsya Rosiyana Emma Yunika Puspasari Ermita Yusida Faiq Maulana Wafi Fajar Firmasnyah Fajar Prasetya Handayani, Sri Inayati Nuraini Dwi Putri Inayati Nuraini Dwiputri Linda Seprillina M. Rudi Irwansyah Marlina Ekawaty Maya Rizki Azifah Mohmmad Hafidz Rifki Farokhi Nanda, Hanjar Ikrima Nasikh Putu Oka Yadnya Susila Qorry Anggita Rishaq Qurrata, Vika Annisa Rahmat Ramadhan Ria Zulkha Ermayda Riqa Aniqa Helma Alam Sri Handayani Sugeng Hadi Utomo Syahrul Munir Syarifah Jamilah Umar Burhan Vidya Purnamasari Wafi, Faiq Maulana Wahyuningsih, Rani Destia Widodo, Devita Anggraeni Citra Ayu Zulfia, Binta