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Aldila Septiana
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STUDI FENOMENOLOGI: MODEL LITERASI KEUANGAN PONDOK PESANTREN MADURA Aldila Septiana
Et-Tijarie Vol 4, No 1: Juni 2017
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The importance of the preparation of the priority needs of course to avoid the consumption of irrational behavior and must also consider the financial ability possessed in order to avoid a larger expense than income. Therefore, to make the right economic decisions to consume and to avoid high lifestyle certainly requires knowledge about financial literacy. One of intelligence to be possessed by modern man is a financial intelligence is intelligence in managing private assets, particularly in the management of personal financial assets. Respondents in this article are students at the pondok pesantren, where students are students who live far apart the parents are equipped with the knowledge of financial management and some pocket money. Are these students can coordinate its finances in pondok pesantren?Researchers choose the type of phenomenology research because researchers want to understand and reveal the model of financial literacy pondok pesantren in Madura. So this can be seen in the field naturally, intact, and accurate so that this research can only be done by using qualitative research with phenomenology approach.Based on the results of the discussion, it can be described as follows: the concept of financial literacy a person can be seen from the cognitive processes or the knowledge that he has in managing finances, and in the attitude to personal finance that will affect their financial behavior or decisions in managing finances. From the existing theory, with this adjusted based on the basic knowledge and financial attitudes for older children or are in the age of 13-18 years. Model of financial literacy in pondok pesantren through the value of simplicity and sharing among fellow was able to maintain the life of an individual as social beings that exist in the diversity of the community. Solidarity and kinship is later is needed to bring the students into real life after they no longer live in the pondok pesantren.Pentingnya penyusunan skala prioritas kebutuhan tentunya untuk menghindari perilaku konsumsi yang tidak rasional dan juga harus memperhatikan kemampuan keuangan yang dimiliki agar tidak terjadi pengeluaran yang lebih besar dari pada pendapatan. Oleh karena itu, untuk membuat keputusan ekonomi yang tepat dalam berkonsumsi dan terhindar dari gaya hidup tinggi tentunya dibutuhkan pengetahuan tentang literasi keuangan (financial literacy). Salah satu kecerdasan yang harus dimiliki oleh manusia modern adalah kecerdasan keuangan yaitu kecerdasan dalam mengelola aset pribadi, khususnya dalam pengelolaan aset keuangan pribadi. Responden dalam tulisan ini adalah santri di pondok pesantren, dimana santri merupakan peserta didik yang hidup berjauhan dengan orang tua yang dibekali dengan pengetahuan dalam mengatur keuangan dan sejumlah uang saku. Apakah santri tersebut dapat mengkoordinir keuangannya di pondok pesantren?Peneliti memilih jenis penelitian fenomenologi karena peneliti ingin memahami dan mengungkapkan model literasi keuangan pondok pesantren di Madura. Sehingga hal ini dapat terlihat di lapangan secara alami, utuh, dan akurat sehingga penelitian ini hanya bisa dilakukan dengan menggunakan penelitian kualitatif dengan pendekatan fenomenologi.Berdasarkan hasil pembahasan, maka dapat diuraikan sebagai berikut: konsep literasi keuangan (financial literacy) seseorang dapat dilihat dari proses kognitifnya atau pengetahuan yang dia miliki dalam mengelola keuangan, dan dalam sikap terhadap keuangan pribadi yang akan mempengaruhi perilaku keuangannya atau keputusannya dalam mengelola keuangan. Dari teori yang ada, dengan ini disesuaikan berdasarkan pengetahuan dasar serta sikap keuangan untuk anak remaja atau berada dalam usia 13-18 tahun. Model literasi keuangan di pondok pesantren melalui nilai kesederhanaan dan saling berbagi antar sesama mampu mempertahankan kehidupan seorang individu sebagai makhluk sosial yang ada dalam keanekaragaman lingkungan masyarakat. Rasa solidaritas dan kekeluargaan inilah nanti sangat diperlukan untuk membawa santri ke dalam kehidupan yang nyata setelah mereka tidak tinggal lagi di pondok pesantren.Keywords: Financial Literacy, Pondok Pesantren, and Madura
Gambaran Pengelolaan Keuangan Para Pelaku Umkm di Tengah Pandemi Covid-19 Aldila Septiana; Anindita Trinura Novitasari
Jurnal Pendidikan Ekonomi (JUPE) Vol 9 No 3 (2021)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jupe.v9n3.p103-113

Abstract

The financial management of MSME actors is a major problem in developing MSMEs towards financial independence. The challenges during the COVID-19 pandemic are getting more complete along with the weak financial management of MSME actors. The purpose of this study is to describe and analyze an overview of the financial management of MSME actors in the midst of the COVID-19 pandemic, especially the Bangkalan Suramadu Bridge area. This study uses a qualitative research method with a qualitative descriptive approach and the type of phenomenological research. Respondents in the study were MSME actors in the Suramadu Bridge Area, which consisted of Madura Typical Snacks MSMEs, Madurese Knick-knacks MSMEs and Madura Batik Crafts SMEs. Data analysis used qualitative data analysis with the stages of data reduction, data presentation, and drawing conclusions/verification. The results show that the financial management of MSME actors in the midst of the COVID-19 pandemic, especially the Bangkalan Suramadu Bridge area, is more selective in controlling sales stock, generating creativity and innovation in various kinds of products sold, and utilizing social media as an online marketing tool in the midst of a pandemic. COVID-19. This is intended so that the income of MSME actors continues to rotate, even though the turnover is not as fast as before the COVID-19 pandemic.
Tinjauan Literasi Keuangan Bagi Santri Pondok Pesantren Madura: Studi Kasus Pondok Pesantren Syaichona Kholil Kabupaten Bangkalan Galuh Widitya Qomaro; Aldila Septiana
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (83 KB) | DOI: 10.30736/jesa.v2i2.24

Abstract

Need priority scale arrangement is done to avoid the behavior of irrational consumption. It also must pay attention to the financial capabilities to avoid greater expenditure than income. Therefore, to make the right economic decisions in consuming and avoid luxurious lifestyle, it is necessary for us understanding financial literacy. Financial Literacy is knowledge to manage finance. One of the intelligences that must be possessed by modern men is financial intelligence, namely the intelligence in managing personal assets, especially in managing personal financial assets. The object of research in this paper is students at traditional Muslim School at traditional Muslim at school of Syaichona Kholil Bangkalan District, where students at traditional Muslim School are students who live far apart from parents equipped with knowledge in managing finances and allowance. Are the students at traditional Muslim School able to coordinate his finances in traditional Muslim School? Based on the result of the research, it can be described as follows: the concept of someone's financial literacy can be seen from the his/her cognitive process or knowledge which he has in managing finance, and his/her attitudes toward personal finance that will affect his financial behavior or decision in managing finance. From the existing theory, it is adapted based on basic knowledge as well as financial attitudes for teenagers with age of 13-18 years. A review of financial literacy for students at traditional Muslim School of  Syaichona Kholil Bangkalan District is appraised by simplicity and mutual sharing among fellow who is able to maintain an individual life as a social creature in the environmental diversity of the community. This sense of solidarity and kinship is needed to bring students at traditional Muslim School into real life after they no longer live in traditional Muslim School of Syaichona Kholil Bangkalan Regency. Keywords: Financial Literacy, Traditional Muslim School, Syaichona Kholil
Analisis Laporan Keuangan Dalam Mengukur Kinerja Keuangan PT. Kimia Farma (Persero) Tbk Periode 2018-2020 Tirta Febrian Meliana; Aldila Septiana; Aulia Dawam
JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha Vol. 13 No. 02 (2022)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jimat.v13i02.48721

Abstract

Kinerja keuangan perusahaan merupakan gambaran kegiatan yang dilakukan guna mencapai tujuan bisnis pada waktu tertentu serta sebagai bahan acuan untuk mengetahui sejauh mana perusahaan tersebut mencapai target prestasi agar dapat mempertahankan stabilitasnya. Untuk mengetahui kinerja keuangan perusahaan dapat dilihat dari laporan keuangannya. Jenis penelitian yang digunakan adalah deskriptif kuntitatif. Jenis data yang digunakan adalah data laporan keuangan tahunan perusahaan tahun 2018-2020. Populasi dan sampel dalam penelitian ini adalah laporan keuangan perusahaan pada PT. Kimia Farma (Persero) Tbk Periode 2018-2020.Teknik pengumpulan data yang digunakan yaitu dokumentasi dan observasi. Data yang diperoleh selanjutnya dianalisis menggunakan rasio likuiditas (current ratio dan quick ratio), rasio solvabilitas (debt ratio dan debt to equity ratio), rasio aktivitas (perputaran aktiva dan perputaran aktiva tetap), dan rasio profitabilitas (margin laba kotor, margin laba bersih, return on investment, dan return on equity). Hasil penelitian ini menunjukkan bahwa kinerja keuangan yang diukur dengan rasio likuiditas dapat dinilai tidak baik, diukur dengan rasio solvabilitas dinilai baik, diukur dengan rasio aktivitas dinilai kurang baik, dan diukur dengan rasio profitabilitas dinilai cukup baik.
Sosialisasi Pemahaman Pendidik Tentang Determinan Kurikulum dalam Keterlaksanaan Pembelajaran Efektif Anindita Trinura Novitasari; Didik Hermanto; Aldila Septiana; R.A Rica Wijayanti; Bagus Imam Faisal
JAPI (Jurnal Akses Pengabdian Indonesia) Vol 7, No 1 (2022)
Publisher : Universitas Tribhuwana Tunggadewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (619.981 KB) | DOI: 10.33366/japi.v7i1.3267

Abstract

Prestasi belajar yang ideal harus didukung pemahaman pendidikan dalam menjalankan kurikulum sekolah supaya sesuai dengan tingkat kebutuhan usianya untuk setiap tingkatan pendidikan. Determinan kurikulum menjadi asas yang mendasar dalam penentuan kurikulum. Terdapat empat determinan yang perlu dipahami pendidik untuk keterlaksanaan pembelajaran efektif, diantaranya determinan filosofis, determinan psikologis, determinan sosiologis,   dan determinan hakekat pengetahuan. Masing-masing determinan kurikulum ini memiliki lingkup sasarsan dalam mematangkan kurikulum yang terbentuk pada setiap satuan pendidikan sebagai asas yang melandasi kurikulum. Tujuan pengabdian kepada masyarakat ini adalah peningkatan pemahaman pendidik terhadap determinan kurikulum untuk pelaksanaan pembelajaran efektif yang dapat memberikan wawasan yang lebih luas dan pemahaman yang lebih mendalam  kepada pendidik terhadap bagaimana semestinya proses pembelajaran. Metode pelaksanaan pengabdian masyarakat adalah teknik sosialisasi yang terdiri observasi dan perencanaan, tahap tindakan, dan tahap evaluasi. Pengabdian masyarakat ini dilakukan pada guru tingkat satuan pendidikan anak usia dini dengan jumlah pendidik sebanyak 6 guru. Hasil pengabdian kepada masyarakat menunjukan peningkatan pemahaman pendidik  untuk keterlaksanaan pembelajaran efektif sehingga menjadi media bagi pendidik untuk bertukar pikiran secara aktif interaktif    berkaitan dengan keterlaksanaan pembelajaran yang telah berjalan selama ini.
PEMBERDAYAAN MANAJEMEN UMKM PASCA PANDEMI COVID-19 SEBAGAI UPAYA PENINGKATAN DAYA SAING USAHA Nailariza Umami; Maria Agatha Sri Widyanti Hastuti; Muhammad Anasrulloh; Aldila Septiana
JPM PAMBUDI Vol 6 No 01 (2022): JPM Pambudi
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat (P2M) IKIP Budi Utomo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/pambudi.v6i01.2054

Abstract

The world is currently facing the COVID-19 pandemic. The COVID-19 pandemic has had an economic, social and political impact, not only on major countries but almost all countries in the world. The small economic sector or what we know as MSMEs (Micro, Small and Medium Enterprises) is pioneered by small communities, especially those in rural areas. A study stated that Covid-19 caused Indonesia to experience a decrease in the percentage of economic growth by 0.1% in 2020. In general, the following are the real impacts caused by Covid-19 on the SME sector in Indonesia. Community service which was carried out in collaboration with UPN Veterans Surabaya KKN students located in the Klampok Blitar sub-district, was carried out with the aim of inviting MSMEs to bounce back after this pandemic by taking the first step in the form of strengthening business management. In this business management there are several main things, namely production management, marketing management, human resource management and financial management. The four are a unit that must be managed together well, so that it can strengthen the establishment of a business. The socialization was attended by 36 business actors in Klampok Village, Blitar City. The approach used to implement this method uses the lecture method, question and answer, games (Role Playing), giveaway distribution and reflection (evaluation). From the evaluation results, the implementation of the socialization was very successful. The number of invited participants in attendance exceeded the number of invitees. And the enthusiasm of MSME actors is seen by their activeness in asking questions because of their high curiosity. In fact, most of the socialization participants wanted a similar event to be held on an ongoing basis.
ANALISIS RASIO LIKUIDITAS TERHADAP KINERJA PERUSAHAAN PT CIKARANG LISTRINDO TBK TAHUN 2018-2020 Octaviana Arisinta; Aldila Septiana; Evi Ulvah; Aqidatul Annisa; Camelia Mumaizah; Ela Sholehah; Ach. Hermansyah
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 8, No 1 (2023): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v7i3.2035

Abstract

The success of a company can be achieved if it has good financial performance. Financial reports are most needed to measure the company's business results and development from time to time, so that it is known to what extent the company has achieved its goals. This study aims to find out and explain the performance of the company PT Cikarang Listrindo, Tbk based on liquidity ratio analysis in the 2018-2020 period. This research method is descriptive quantitative with liquidity ratio measuring tools (quick ratio, current ratio, cash ratio and inventory to NWC). The type of data used in this study is a type of secondary data in the form of the financial reports of PT Cikarang Listrindo, Tbk for the 2018-2020 period published by the Indonesia Stock Exchange (IDX). The results of the analysis show that: the company's current ratio, quick ratio and cash ratio during the period 2018 to 2020 are in a liquid state; company performance based on inventory to net working capital in 2018 to 2019 in a liquid state, but in 2020 it will be in an ill liquid condition because its value does not meet industry standards
PEMBERDAYAAN MANAJEMEN UMKM PASCA PANDEMI COVID-19 SEBAGAI UPAYA PENINGKATAN DAYA SAING USAHA Nailariza Umami; Maria Agatha Sri Widyanti Hastuti; Muhammad Anasrulloh; Aldila Septiana
JPM PAMBUDI Vol 6 No 01 (2022): JPM Pambudi
Publisher : Pusat Penelitian dan Pengabdian Kepada Masyarakat (P2M) IKIP Budi Utomo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/pambudi.v6i01.2054

Abstract

The world is currently facing the COVID-19 pandemic. The COVID-19 pandemic has had an economic, social and political impact, not only on major countries but almost all countries in the world. The small economic sector or what we know as MSMEs (Micro, Small and Medium Enterprises) is pioneered by small communities, especially those in rural areas. A study stated that Covid-19 caused Indonesia to experience a decrease in the percentage of economic growth by 0.1% in 2020. In general, the following are the real impacts caused by Covid-19 on the SME sector in Indonesia. Community service which was carried out in collaboration with UPN Veterans Surabaya KKN students located in the Klampok Blitar sub-district, was carried out with the aim of inviting MSMEs to bounce back after this pandemic by taking the first step in the form of strengthening business management. In this business management there are several main things, namely production management, marketing management, human resource management and financial management. The four are a unit that must be managed together well, so that it can strengthen the establishment of a business. The socialization was attended by 36 business actors in Klampok Village, Blitar City. The approach used to implement this method uses the lecture method, question and answer, games (Role Playing), giveaway distribution and reflection (evaluation). From the evaluation results, the implementation of the socialization was very successful. The number of invited participants in attendance exceeded the number of invitees. And the enthusiasm of MSME actors is seen by their activeness in asking questions because of their high curiosity. In fact, most of the socialization participants wanted a similar event to be held on an ongoing basis.
Co-Authors Ach. Hermansyah Anindita Trinura Novitasari Aqidatul Annisa Aulia Dawam Bagus Imam Faisal Camelia Mumaizah Didik Hermanto Ela Sholehah Evi Ulvah Faisal, Bagus Imam Galuh Widitya Qomaro Ika Lis Mariatun Manah Tarman Maria Agatha Sri Widyanti Hastuti Muhammad Anasrulloh Octaviana Arisinta R.A Rica Wijayanti Tirta Febrian Meliana Umami, Nailariza