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LITERASI KEUANGAN SEBAGAI STRATEGI PENGENDALIAN SIKAP KONSUMTIF: EDUKASI KEPADA SISWA SEKOLAH MENENGAH PERTAMA Tan, Felice Carmelite Aprilie; Natalia, Agnes; Selanova, Theressia; Linawati, Nanik
INTEGRITAS : Jurnal Pengabdian Vol 9 No 2 (2025): AGUSTUS - DESEMBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat - Universitas Abdurachman Saleh Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/integritas.v9i2.6282

Abstract

Literasi keuangan yang rendah pada kalangan remaja, khususnya remaja SMP, menyebabkan rendahnya kesadaran perencanaan keuangan dan perilaku konsumtif yang berlebihan. Aspek utama yang berperan dalam permasalahan ini ialah tingginya pengaruh sosial media dan kurangnya kurikulum formal tentang edukasi finansial. Sebagai solusi dari tantangan tersebut, dilaksanakan program pengabdian masyarakat dalam bentuk edukasi keuangan di SMP Negri 57 Surabaya menggunakan metode service learning. Pelaksanaan kegiatan ini menggunakan tiga tahapan yaitu persiapan, pelaksanaan, dan evaluasi. Mekanisme pembelajaran disusun secara interaktif melalui penyampaian materi, sesi permainan, sesi diskusi dan tanya jawab, serta sesi refleksi. Metode pembelajaran ini turut serta meningkatkan partisipasi siswa yang berperan dalam menopang pemahaman konsep dalam kehidupan sehari-hari. Aktivitas refleksi juga berperan dalam membangun kesadaran siswa akan pentingnya pengelolaan keuangan yang cermat. Oleh karena itu, kegiatan ini telah berhasil menyampaikan pemahaman komperhensif dan membekali siswa dengan kemampuan dasar yang dapat diimplementasikan pada kemudian hari.
The Impact of Mergers and Acquisitions on Shareholders' Welfare Susanto, Jeffrey Belmiro; Tirtamurti, Lim Madeleine; Reynard, Dave; Linawati, Nanik
Economic Education and Entrepreneurship Journal Vol 7, No 1 (2024): Economic Education and Entrepreneurship Journal (E3J)
Publisher : FKIP Universitas Lampung

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Abstract

The objective of this research is to analyse mergers and acquisitions (M&A) in Indonesia the period 2017 - 2021. This study examines the determinants of abnormal returns of acquirer companies which consist of: Return on Assets, return on equity, Total Asset turnover, Fixed asset turnover, and Gross Profit Margin. This research examines 42 merger and acquisition events during 2017 - 2021. The research data was processed using multiple regression. The results of the research reveals that 5 factors that were used including return on assets, return on equity, total asset turnover, fixed asset turnover, and gross profit margin did not significantly affect the abnormal return of the acquisition company.Keywords: Abnormal return, Financial performance, Mergers and AcquisitionDOI: http://dx.doi.org/10.23960/E3J/v7i1.7-12 
The Influence of Financial Literacy and Socio-Demographics on the Financial Management Behavior of Migrant Students in Surabaya Cynthia, Angelina; Linawati, Nanik
Economic Education and Entrepreneurship Journal Vol 7, No 1 (2024): Economic Education and Entrepreneurship Journal (E3J)
Publisher : FKIP Universitas Lampung

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Abstract

This research aims to analyze the influence of financial literacy and sociodemographic characteristics on the financial management of migrant students in Surabaya. We employed a quantitative descriptive approach and collected data through a shared Google Form. The analysis was conducted using Stata software. The results of our research reveal that a higher level of financial literacy has a positive and significant impact on the financial management abilities of migrant students. However, sociodemographic factors such as age, gender, and income do not exhibit a significant influence on their financial management. This analysis provides valuable insights into the significance of enhancing financial literacy among migrant students, thereby assisting them in improving their financial management skills.Keywords: Financial Literacy, Financial Management BehaviourDOI: http://dx.doi.org/10.23960/E3J/v7i1.13-17 
Perubahan kinerja keuangan dan operasional PT Link Net Tbk (LINK) pasca diakuisisi oleh EXCL Susanto, Leonardo Christian; Halim, Kevin; Setiawan, Adrianus Bryan; Tandarto, Sefen Timothy; Wongso, Enrico; Linawati, Nanik
Journal of Accounting and Digital Finance Vol. 5 No. 2 (2025): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v5i2.1821

Abstract

This study aims to evaluate the impact of the acquisition of PT Link Net Tbk by XL Axiata and Axiata Group Berhad on the company’s financial and operational performance in the post-acquisition period. The main issue raised is the significant decline in performance following the acquisition, indicating that the integration strategy has not been effectively implemented. This research adopts a quantitative approach by analyzing financial indicators such as Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), Net Income, and Debt to Equity Ratio (DER). The analysis results reveal that all profitability indicators experienced a sharp decline, with Net Income even recording negative figures in several post-acquisition periods. Additionally, the increase in DER reflects a higher dependency on debt-based financing, which was not accompanied by improvements in operational efficiency. These findings suggest that the acquisition has not delivered the expected synergy or added value. The study concludes that a reassessment of the post-acquisition strategy is necessary, especially within the highly competitive and capital-intensive telecommunications industry.
Edukasi Literasi Keuangan: Investasi pada Emas, Urgensi Dana Darurat, dan Pengendalian Gaya Hidup Konsumtif yusuf, keona adeline; Polandauw, Clarissa Amanda; Jocelyn, Angelique; Linawati, Nanik
Jurnal Pelayanan dan Pengabdian Masyarakat (Pamas) Vol 9, No 4 (2025): Jurnal Pelayanan dan Pengabdian Masyarakat (PAMAS)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM Universitas Respati Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/pamas.v9i4.6111

Abstract

Low financial literacy amongst the younger generation can hinder the economic growth of a developing country. The lack of knowledge about basic financial concepts and financial instruments is caused by the scarcity of educational curriculum related to financial literacy. The lack of an educational curriculum related to financial literacy makes education related to crucial. This community service is motivated by the urgency of improving the financial literacy of junior high school students and aims to form a foundation for good financial behavior. The educational material provided is relevant and easy to understand for junior high school students. The material is provided using interactive presentation media accompanied by educational games that are specifically designed with the sub-topics "Investing in Gold", "Emergency Funds", and "Consumptive within Your Limits". Education and games help students understand the basic concepts of finance and their applications in real life. After the community service activities, students showed an increase in understanding of basic financial concepts, this can be seen from their enthusiasm and high average test scores.
Faktor-faktor yang Mempengaruhi Kinerja Keuangan Kelompok Bank Modal Inti IV (Studi Kasus Penerapan Digital Banking) Chrisdiouf, Justin; Linawati, Nanik
Economic and Education Journal (Ecoducation) Vol. 6 No. 2 (2024): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

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Abstract

Penelitian ini ditujukan untuk meneliti faktor-faktor penentu profitabilitas bank yang menerapkan digital banking. Bank yang dimaksud adalah bank anggota Kelompok Bank Modal Inti IV dari tahun 2007 hingga tahun 2022 yang memiliki modal inti lebih dari Rp. 70 triliun dan memiliki kemampuan paling besar untuk mengadopsi teknologi informasi dalam bentuk digital banking. Konsep yang digunakan untuk mengukur profitabilitas bank yang menerapkan digital banking antara lain likuiditas bank, efisiensi bank, bank credit risk dan firm characteristic. Proksi yang digunakan untuk mengukur profitabilitas yaitu Return On Equity dan Net Interest Margin, likuiditas bank menggunakan Capital Adequacy Ratio dan Current Asset Saving Asset, efisiensi bank menggunakan Beban Oprasional Pendapatan Operasional, bank credit risk menggunakan Non Performing Loan dan firm characteristic menggunakan firm size. Alat statistik yang digunakan untuk mengolah data yaitu analisa regresi linear berganda dengan software SPSS. Hasil penelitian membuktikan bahwa likuiditas (CAR) berpengaruh signifikan terhadap profitabilitas (ROE), efisiensi bank (BOPO) berpengaruh signifikan terhadap profitabilitas (NIM), bank credit risk (NPL) berpengaruh signifikan terhadap profitabilitas (NIM) dan firm characteristic tidak berpengaruh signifikan terhadap profitabilitas.
Determining the Priority Factors that Influence the Intention to Invest in Cryptocurrencies using Fuzzy Analytical Hierarchy Process Wahyudi, Raymond; Linawati, Nanik; Eduardo, Farrell Ionwyn
Jurnal Computech & Bisnis (e-journal) Vol. 18 No. 1 (2024): Jurnal Computech & Bisnis (e-Journal)
Publisher : LPPM STMIK Mardira Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56447/z02c9d67

Abstract

Cryptocurrency investment is a phenomenon that has gained popularity among Indonesian youth. However, the factors that influence their intention to invest in this digital asset class are not well understood. This study aims to identify and evaluate these factors using the Fuzzy Analytical Hierarchy Process (FAHP) method, which can handle uncertainty and ambiguity in decision making. The study applies the Unified Theory of Acceptance and Use of Technology (UTAUT) model as the theoretical framework, and considers six factors: social influence, financial literacy, facilitating condition, performance expectancy, effort expectancy, and hedonic motivation. The results show that social influence, financial literacy, and facilitating condition are the most important factors, while hedonic motivation is the least important. The study also ranks the sub-criteria within each factor according to their relative importance. The findings provide valuable insights for policymakers, investors, and educators in the field of cryptocurrency and blockchain technology.
Membangun Kebiasaan Keuangan Sehat Sejak Remaja Chrisdiouf, Justin; Linawati, Nanik; Loisoklay, Wilkar
Eastasouth Journal of Effective Community Services Vol 2 No 03 (2024): Eastasouth Journal of Effective Community Services (EJECS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejecs.v2i03.231

Abstract

Tujuan artikel ini adalah mengkomunikasikan aktivitas pengabdian masyarakat terhadap para siswa SMP terkait edukasi literasi keuangan. Literasi keuangan difokuskan pada upaya membangun kebiasaan menghindari cara hidup konsumtif. Metode penyampaian dilakukan melalui pembelajaran interaktif yang dilengkapi dengan permainan rally game, board game, dan memory card. Para siswa menikmati pemaparan materi dan permainan yang dilakukan serta memberikan penilaian bintang lima dari total nilai lima.
Pengaruh Kunjungan Pengabdian Masyarakat terhadap Motivasi Siswa TK dalam Meraih Cita-Cita Reynard, Dave; Tirtamurti, Lim Madeleine; Linawati, Nanik; Susanto, Jeffrey Belmiro
Jurnal Pengabdian West Science Vol 3 No 02 (2024): Jurnal Pengabdian West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpws.v3i02.1011

Abstract

Tujuan dari pengabdian masyarakat ini adalah untuk mengobservasi motivasi para siswa Taman Kanak-kanak terkait cita-cita yang ingin dicapai di TK Bethel Sulung 3, Surabaya. Pengabdian masyarakat ini bertujuan untuk memberikan motivasi kepada para siswa Taman Kanak-kanak dalam mewujudkan cita-cita yang berupaya mempengaruhi keinginan siswa Taman Kanak-kanak untuk bercita-cita, dimana hal tersebut mendorong keinginan siswa Taman Kanak-kanak untuk menabung demi mencapai cita-citanya. Hasil kegiatan ini menunjukkan bahwa respon yang terjadi terhadap siswa Taman Kanak-kanak mengalami perubahan sesudah dilakukannya kegiatan pengabdian masyarakat ini, dimana para siswa Taman Kanak-kanak menjadi lebih termotivasi untuk meraih cita-cita yang dimiliki.
Literasi sistem pembayaran digital sebagai strategi pencegahan konsumerisme di kalangan pelajar SMA Sanvelia Angelica Suseno; Angelica Renata Limapriadi; Fristy Ester Irawan; Nanik Linawati
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 3 (2025): May
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i3.30581

Abstract

Abstrak Perkembangan teknologi digital telah mendorong perubahan signifikan dalam sistem pembayaran, termasuk di kalangan generasi muda yang kini akrab dengan transaksi nontunai. Namun, kemudahan akses ini turut meningkatkan risiko perilaku konsumtif yang tidak terkontrol. Kegiatan edukasi ini bertujuan untuk memberikan pemahaman kepada generasi muda mengenai sistem pembayaran digital serta dampaknya terhadap perilaku keuangan, sebagai langkah preventif terhadap konsumerisme sejak dini. Sasaran kegiatan ini adalah pelajar SMA Katolik Frateran Surabaya, dengan total peserta sebanyak 24 orang. Metode pelaksanaan adalah service learning, yang meliputi pre-test dan post-test untuk mengukur peningkatan pemahaman peserta, penyampaian materi mengenai sistem pembayaran digital dan anti konsumerisme, serta permainan "Family 100" yang dirancang untuk menguji pengetahuan peserta mengenai materi yang telah disampaikan. Selain itu, sesi tebak-tebakan juga digunakan untuk memperdalam pemahaman peserta dengan cara yang menyenangkan dan interaktif. Materi yang disampaikan mencakup pengenalan sistem pembayaran digital dan strategi mengelola keinginan konsumsi di era digital. Hasil kegiatan menunjukkan peningkatan dalam pemahaman pelajar terhadap pentingnya pengelolaan keuangan dan penggunaan sistem pembayaran secara bijak. Edukasi ini berhasil memotivasi peserta untuk lebih kritis dalam menghadapi godaan konsumerisme digital, sejalan dengan tujuan Strategi Nasional Literasi Keuangan Indonesia 2021–2025. Kata kunci: generasi muda; konsumerisme; sistem pembayaran digital Abstract The development of digital technology has driven significant changes in payment systems, especially among the younger generation familiar with cashless transactions. However, this ease of access increases the risk of uncontrolled consumer behavior. This educational activity aims to provide young people with an understanding of digital payment systems and their impact on financial behavior as a preventive measure against consumerism. The target of this activity is students from SMA Katolik Frateran Surabaya, with 24 students. The implementation method includes a pre-test and post-test to measure improvement in students' understanding, presentation of material on digital payment systems and anti-consumerism, and the "Family 100" game designed to test students’ knowledge. In addition, a guessing game session deepens participants' understanding in a fun, interactive way. Topics covered include an introduction to digital payment systems and strategies for managing consumption desires in the digital era. The results show an increase in students' understanding of financial management and the wise use of payment systems. This activity successfully motivated students to be more critical of digital consumerism, aligning with the Indonesian National Financial Literacy Strategy 2021–2025 goals. Keywords: young generation; consumerism; digital payment systems
Co-Authors Adeline Yusuf, Keona Adisty Malliani Kusnadi Agnes Natalia Aileen Florencia Elliane Airell, Vernando Alexander, Gloria Andela, Valencia Angelica Renata Limapriadi Angelique Jocelyn Ansella Jovita Ansella Jovita Teguh Anthony Wijaya Arron Oxford Bavani, Melinda Bingky Kurniawan Bryan Setiawan, Adrianus Chandra, Tirzah Febiola Chrisdiouf, Justin Christian Chandra Christopher Bradley Budiono Chyntia Kartika Sanjaya Cindy Marcha Pongtuluran Citrawati, Irene Clarissa Amanda Clarissa Amanda Polandauw Cynthia, Angelina Dave Reynard de Fretes, Michael Genesis Bimasatrya Destya Wiranata Edbert Sudarsono, Jethson Edric Ferdian Eduardo, Farrell Ionwyn Elvira Unola Enzo Budiman Eveline, Jessica Evelyn Okky Santoso, Evelyn Okky Ezar, Grecia Jeslyn Ezra Christopher Farrell Ionwyn Eduardo Felicia Claresta Harli Felita Angelina Florencia Gabriel Fristy Ester Irawan Gabiella Lavenia Sutjiono Gabriela Sunjono Gabriella Wiandoko Ganlin, Fesya Devina Putri Gesti Memarista Gevionita Gevionita Glenn Abel Iskandar Gosal, Joe Valentino Gracia Verina Soewignjo Hadiputra, Vincentinus Felix Halim Santoso Halim, Kevin Halim, Richard Harijanto, Jessica Lorita Inlian Wijaya irene angelina Irene Angelina Irene Citrawati Ivan Kurniawan, Abraham Jeffrey Belmiro Susanto Jennifer Fiolyn Jennifer Lynn Silverio Jesseline Violeta Jessica Marlyn Jocelyn, Angelique Joe Valentino Jonathan Hartono Jovita, Ansella Junior, Jonathan Hartono Juwono, Angela Karyn Adikusuma Katryn Kenneth Anderson Harsono Kenneth, Davin Kenny Brian Kentzo Kentzo Yang Kevin Harly Jipantoro Kezia Laetitia Junaidi Kezia, Vanessa Kristanto, Kenny Brian Krystalinna Lindsey Sutanto Kurniawan, Abraham Ivan Lauwono, Lazaro Batigol Leksono, Alexander Nissan Lim Madeleine Tirtamurti Limantara, Bryan Janson LOISOKLAY, WILKAR Luciana, Ellena Arinda Mahendra, Adrian Mahersya Christiani Setiadiwiria Malonda, David Bryant Marselina Gunawan Mathew Hadap, Billy Melinda, Graceline Melissa Lesmana Michael Sebastian Hamson Michelle Feodora Gunawan, Michelle Feodora Mintarja, Natasya Morgan Gemiartha, Celine Natasya Mintarja Natasya Rutdian Nathania Cherryl Prayogo Nehemia Parham Njo Anastasia Pertiwi, Dewi Philip Haryono Polandauw, Clarissa Amanda Pradigdo, Randy Aprilino Pwee Leng Rachel Cintantya Hapsari Raymond Wahyudi Raymond Wahyudi Raymond Wahyudi Reynard, Dave Rifka Yulanda Umar, Rifka Yulanda Rizaldy Tallo, Rizaldy Salviana, Fintacia Zelda Samuel Stevenson Moesaffa Sanvelia Angelica Suseno Saputra, Louis Nichollas Sautma Ronni Selanova, Theressia Setiadiwiria, Mahersya Christiani Setiawan, Adrianus Bryan Setyono, Yemima Caroline Sharon Wong Simon Hendrik Leasa Soetandio, Elena Erensia Stella Halim Steven Steven Sugianto, Everson Surasman, Imelda Kartika Susanto, Jeffrey Belmiro Susanto, Leonardo Christian Sutjiono, Gabriella Lavenia Talahatu, William Tan, Felice Carmelite Aprilie Tandarto, Sefen Timothy Tetimau, Felicia Edlyn Timothy Tandarto, Sefen Tirtamurti, Lim Madeleine Tjahjono, Yosephine Mevia Velicia Gela, Kathryn Viena Elvani Vincent Djaja Vincentinus Felix Vincentius Andrew Vincentus Felix Wahyudi, Raymond Wibisono, Audi Widjaja, Audrey Cerelia Widjanarko, Kevin Wijaya, Feysya Sandrina Wijaya, Joshua Winston Djuwito Wiranata, Destya Wong, Sharon Wongso, Enrico Yongky, Jonathan Elia Yosia, Clarence Yulius Cornelis, Yulius yusuf, keona adeline