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Membangun mindset investor muda: pengenalan risiko dan imbal hasil investasi bagi siswa SMA Little Sun Surabaya Gevionita Gevionita; Jennifer Fiolyn; Stella Halim; 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.v9i3.30500

Abstract

Abstrak      Tingkat literasi investasi yang masih rendah di kalangan generasi muda menjadi tantangan serius dalam mewujudkan masyarakat yang melek finansial dan mampu menghadapi kompleksitas keuangan di masa depan. Minimnya pemahaman mengenai risiko dan imbal hasil dalam investasi dapat berdampak pada pengambilan keputusan finansial yang kurang bijak sejak usia muda. Untuk menjawab tantangan ini, kegiatan pengabdian kepada masyarakat dilaksanakan dengan tujuan meningkatkan literasi investasi di kalangan pelajar SMA. Program ini diselenggarakan di SMA Little Sun Surabaya dan melibatkan sebanyak 49 siswa kelas X sebagai peserta. Metode yang digunakan adalah sosialisasi interaktif dengan pendekatan partisipatif, yang terdiri dari penyampaian materi edukatif serta permainan "Risk vs Return" yang dirancang untuk memberikan pengalaman simulasi investasi berdasarkan dinamika pasar. Evaluasi dilakukan menggunakan pre-test dan post-test untuk mengetahui peningkatan pengetahuan peserta. Hasilnya menunjukkan bahwa 97,7% siswa memahami bahwa investasi memiliki risiko kerugian, dan 95,5% menyadari pentingnya mengenali risiko dan imbal hasil sebelum melakukan investasi. Selain itu, 86,4% siswa memberikan skor tinggi terhadap pemahaman mereka pasca kegiatan. Partisipasi aktif siswa dalam diskusi dan permainan juga mencerminkan antusiasme dan efektivitas metode yang diterapkan. Kegiatan ini terbukti mampu menumbuhkan kesadaran serta pola pikir finansial yang bijak sejak dini, dan dapat direplikasi di sekolah lain sebagai upaya untuk memperluas literasi keuangan secara menyeluruh di kalangan pelajar Indonesia. Kata kunci: risiko; imbal hasil; investasi; generasi muda. Abstract The low level of investment literacy among youth poses a challenge in building a financially literate society ready to face future financial complexities. This community engagement program aimed to improve high school students' understanding of investment risk and return. Held at SMA Little Sun Surabaya, the program involved 49 tenth-grade students. It used an interactive and participatory method, combining material presentation with an educational game, "Risk vs Return," which simulated market-based investment experiences to enhance practical understanding. Evaluation through pre- and post-tests showed that 97.7% of students recognized investment risks, while 95.5% understood the importance of assessing risk and return before investing. Furthermore, 86.4% of students rated their understanding at levels 4 or 5 after the session, showing significant improvement. The students’ active engagement during discussions and gameplay demonstrated high enthusiasm and the effectiveness of the interactive approach. This initiative positively contributed to building early financial awareness and smart financial thinking. Similar programs can be replicated in other schools to broaden financial literacy among students. Keywords: risk; return; investment; young generation.
Studi Komparatif Kinerja Keuangan PT Mulia Boga Raya dan PT Garuda Food Sebelum dan Sesudah Akuisisi Jonathan Hartono; Kenny Brian; Edric Ferdian; Joe Valentino; Vincentus Felix; Nanik Linawati
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 6 No. 3 (2025): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v6i3.2427

Abstract

Penelitian ini menganalisis dan membandingkan kinerja keuangan PT Mulia Boga Raya sebelum dan sesudah akuisisi oleh PT Garuda Food pada tahun 2020. Periode penelitian mencakup enam tahun dari sebelum sampai sesudah akuisisi (2018-2023). Analisis dilakukan menggunakan rasio keuangan, meliputi rasio solvabilitas (Debt to Asset Ratio/DAR), rasio profitabilitas (Net Profit Margin/NPM, Return on Investment/ROI, Return on Equity/ROE, Return on Assets/ROA), dan rasio pasar (Earnings Per Share/EPS). Data diperoleh dari laporan keuangan tahunan kedua perusahaan. Penelitian ini diharapkan dapat mengidentifikasi perubahan signifikan dalam struktur modal, profitabilitas, dan nilai pasar PT Mulia Boga Raya pasca-akuisisi. Temuan dari penelitian ini diharapkan juga dapat memberikan kontribusi bagi pemangku kepentingan dalam memahami implikasi strategi akuisisi terhadap kinerja keuangan perusahaan.
Dampak Pandemi Covid-19 terhadap Percepatan Transformasi Digital di Sektor Perbankan Indonesia Jonathan Hartono; Kenny Brian; Edric Ferdian; Joe Valentino; Vincentinus Felix; Nanik Linawati
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 6 No. 3 (2025): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v6i3.2459

Abstract

Penelitian ini bertujuan untuk menganalisis dampak pandemi Covid-19 terhadap percepatan transformasi digital di sektor perbankan Indonesia. Pandemi telah menjadi katalis yang memaksa industri perbankan untuk mempercepat adopsi teknologi digital demi menjaga kelangsungan operasional, memenuhi ekspektasi nasabah, dan mendukung kebijakan pembatasan sosial. Studi ini menggunakan metode kualitatif deskriptif dengan pendekatan studi pustaka, mengkaji berbagai publikasi ilmiah, laporan industri, serta data sekunder dari lembaga keuangan dan regulator selama periode 2018–2023. Fokus utama penelitian meliputi perubahan strategi layanan perbankan, peningkatan penggunaan teknologi digital, serta implikasi terhadap efisiensi operasional dan kepuasan nasabah. Hasil penelitian menunjukkan bahwa pandemi mendorong akselerasi transformasi digital secara signifikan, tercermin dari peningkatan investasi teknologi, perluasan layanan digital banking, dan penurunan ketergantungan terhadap layanan konvensional. Selain itu, kolaborasi antara bank dan perusahaan teknologi finansial (fintech) meningkat untuk menciptakan ekosistem digital yang lebih inklusif. Namun, percepatan ini juga menghadirkan tantangan, terutama terkait keamanan data, kesiapan infrastruktur, dan literasi digital masyarakat. Kesimpulan dari penelitian ini menyatakan bahwa pandemi Covid-19 tidak hanya berdampak sebagai gangguan jangka pendek, tetapi menjadi pemicu strategis dalam perubahan paradigma industri perbankan menuju digitalisasi yang lebih matang dan berkelanjutan. Rekomendasi diberikan kepada pelaku industri dan regulator untuk memperkuat kerangka kebijakan, infrastruktur digital, serta program literasi guna mendukung transformasi digital yang inklusif dan aman.
Peningkatan literasi keuangan siswa SMA melalui edukasi risiko dan imbal hasil investasi serta pengenalan fintech sebagai upaya penguatan pengambilan keputusan keuangan Gracia Verina Soewignjo; Karyn Adikusuma; Nanik Linawati
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 10, No 3 (2026): June
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v10i3.39692

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Abstrak Rendahnya literasi keuangan pada siswa Sekolah Menengah Keatas (SMA), khususnya dalam memahami risiko dan imbal hasil investasi serta pengembangan financial technology (fintech), menjadi salah satu tantangan dalam menghadapi era ekonomi digital. Kegiatan Pengabdian Masyarakat yang dilaksanakan bertujuan untuk meningkatkan pemahaman siswa mengenai dasar investasi, jenis-jenis investasi, risiko dan hasil investasi, serta mengenalkan peran fintech dalam aktivitas keuangan di era digital. Mitra dalam kegiatan ini adalah siswa kelas XI Informatika 2 SMA Kristen Petra 3 Surabaya dengan jumlah peserta sebanyak 23 siswa. Kegiatan yang dilaksanakan berupa Pengabdian Masyarakat dengan metode  Service Learning melalui pemberian materi, diskusi, serta evaluasi pemahaman melalui kuis singkat yang diikuti oleh seluruh siswa. Hasil kegiatan menunjukkan bahwa pemahaman siswa mengenai investasi dan fintech mengalami peningkatan, yang terlihat dari capaian pada kuis pertama berbasis mini games serta hasil kuis kedua yang menggunakan soal pilihan ganda. Selain itu, siswa juga menunjukkan peningkatan kesadaran dalam mengambil keputusan keuangan yang lebih bijak terhadap investasi. Kegiatan ini disarankan untuk dikembangkan secara berkelanjutan guna meningkatkan kesiapan generasi muda dalam menghadapi dinamika ekonomi digital. Kata Kunci: literasi keuangan; risiko; investasi; siswa SMA; service learning. Abstract The low level of financial literacy among senior high school students, particularly in understanding investment risks and returns as well as the development of financial technology (fintech), has become one of the challenges in facing the digital economic era. This Community Service activity was conducted to enhance students’ understanding of investment fundamentals, types of investments, investment risks and returns, and to introduce the role of fintech in financial activities in the digital era. The partner involved in this activity was the students of Class XI Informatika 2 at SMA Kristen Petra 3 Surabaya, with a total of 23 participants. The activity was carried out in the form of a Community Service program using the Service Learning method through material presentations, discussions, and evaluation of students’ understanding through short quizzes attended by all participants. The results of the activity indicated an improvement in students’ understanding of investment and fintech, as reflected in the results of the first quiz conducted through mini games and the second quiz consisting of multiple-choice questions. In addition, students also demonstrated increased awareness in making wiser financial decisions related to investment. This activity is recommended to be developed continuously in order to enhance the readiness of the younger generation in facing the dynamics of the digital economy. Keywords: financial literacy; risk; investment; high school students; service learning.
FINANCIAL DUE DILIGENCE AKUISISI CITIBANK N.A., INDONESIA OLEH PT BANK UOB INDONESIA Sharon Wong; Destya Wiranata; Angelique Jocelyn; Natasya Mintarja; Nanik Linawati
MANAJEMEN DEWANTARA Vol 9 No 2 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i2.19595

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This study aims to explain the changes in profitability and compare the company value of Citibank, N.A., Indonesia before and after being acquired by PT Bank UOB Indonesia and to see financial due diligence and whether PT Bank UOB has done the right strategy. Profitability is measured by the ratio of Net Profit Margin, Return On Equity, and Return On Asset. The research method used is a quantitative approach with a comparative research type. The result of this study is that after the acquisition in 2022 there was a significant decrease in 2024 in Net Profit Margin (NPM) between before the acquisition and after the acquisition, besides that there was a decrease in Return On Assets (ROA) and also Return On Equity (ROE). Therefore, no financial synergy exists through the acquisition of Citibank, N.A., Indonesia by PT Bank UOB Indonesia.
ANALISIS PERBANDINGAN KINERJA KEUANGAN THE WALT DISNEY CO SEBELUM DAN SESUDAH AKUISISI MARVEL ENTERTAIMENT Mahersya Christiani Setiadiwiria; Ansella Jovita Teguh; Clarissa Amanda; Nanik Linawati
MANAJEMEN DEWANTARA Vol 9 No 2 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i2.19601

Abstract

This research aims to analyze the comparative financial performance of The Walt Disney Company before and after the acquisition of Marvel Entertainment in 2009. This acquisition was a strategic step for Disney to strengthen their content portfolio by presenting iconic characters from Marvel. This research uses a descriptive-comparative quantitative method by observing profitability ratios as the main indicator of financial performance, including Return on Assets (ROA), Return on Equity (ROE), Gross Profit Margin (GPM), Net Profit Margin (NPM), and Return on Invested Capital (ROIC). The data used are financial reports for the five years before the acquisition (2005–2009) and five years after the acquisition (2010–2014), which were analyzed using a weighted average scoring approach. The research results show a significant increase in several profitability ratios after the acquisition, which reflects increased operational efficiency and business synergy.
FAKTOR YANG MEMPENGARUHI MINAT PENGGUNAAN DIGITAL BANKING DI KALANGAN GENERASI Z KOTA SURABAYA DENGAN MENGGUNAKAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL Sharon Wong; Destya Wiranata; Angelique Jocelyn; Clarissa Amanda Polandauw; Ansella Jovita; Nanik Linawati
MANAJEMEN DEWANTARA Vol 9 No 1 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i2.19654

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The main aim of this study is to investigate the factors that influence the adoption of digital banking within the Generation Z age range, especially factors such as perceived ease of use and perceived usefulness. Thus, this research provides an in-depth insight of how these 2 factors affect one’s desire to adopt digital banking. This study is quantitative, with the use purposive sampling, targeting Generation Z digital banking users in Surabaya city with a sample size of 145 respondents. The data was acquired by creating a questionnaire in Google Form, which is then analyzed by the use of SmartPLS with the utilization of Structural Equation Modelling (SEM) method. The SEM method was used to test the relationship between the independent variables (perceived ease of use and perceived usefulness) and dependent variable (adoption of digital banking). The study’s findings depict that both perceived ease of use and perceived usefulness have significant influence towards Generation Z’s adoption of digital banking.
Meningkatkan Kesadaran Menabung Dini Generasi Muda melalui Pelatihan Literasi Keuangan di Sekolah Menengah Atas Arron Oxford; Nanik Linawati; Ezra Christopher; Winston Djuwito
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 5 No 3 (2026): Agustus
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v5i3.818

Abstract

Improving Early Saving Awareness Among the Younger Generation Through Financial Literacy Training in Senior High Schools . Fiinanciial liiteracy iis an essentiial skiill that shoiuld be iintroiduced toi students froim an early age, partiicularly regardiing saviing habiits and emergency fund preparatiioin. Hoiwever, many hiigh schoioil students stiill lack a basiic understandiing oif fiinanciial management, such as diistiinguiishiing between needs and wants, managiing alloiwances wiisely, and prepariing fiinanciial reserves foir unexpected siituatiioins. Thiis coimmuniity serviice proigram aiimed toi iincrease students’ fiinanciial awareness throiugh educatiioin aboiut saviing froim an early age and the iimpoirtance oif emergency funds at SMA Katoiliik Kariitas IiIiIi. The methoid used iin thiis proigram was serviice learniing, whiich coimbiines academiic learniing wiith practiical and iinteractiive actiiviitiies. The iimplementatiioin iincluded educatiioinal sessiioins oin fiinanciial management, woirkshoips oin prepariing siimple saviing plans, quiiz-based learniing usiing Kahoioit, and questiioin-and-answer shariing sessiioins aboiut real-liife saviing practiices and emergency fund preparatiioin. The results shoiwed that students actiively partiiciipated iin the actiiviitiies and demoinstrated iimproived understandiing regardiing saviing strategiies, fiinanciial diisciipliine, and the iimpoirtance oif emergency funds iin everyday liife. Students alsoi became moire aware oif the iimpoirtance oif settiing fiinanciial goials and managiing theiir alloiwances coinsiistently. Therefoire, thiis actiiviity successfully iimproived students’ fiinanciial awareness and iis expected toi cointriibute toi the develoipment oif a fiinanciially respoinsiible yoiunger generatiioin iin the future.
Peningkatan Literasi Finansial Remaja: Edukasi Mengenai Pengenalan serta Cara Pengelolaan Keuangan yang Bijak Kepada Siswa SMA Felita Angelina; Nanik Linawati; Katryn; Kentzo Kentzo Yang; Samuel Stevenson Moesaffa
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 5 No 3 (2026): Agustus
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v5i3.864

Abstract

Understanding of money management is crucial for adolescence, especially in this generation. With the recent surge in technology, trends and marketing techniques also shift. This became a new threat towards the younger generations, as now they are faced with the temptation of sales bundles, promotions, and money lending. This led to a crisis in their money savings and management. This activity was conducted due to the ever-increasing lack of awareness of money management in younger generations. By spreading awareness of money management to adolescence, proper financial management and safety is more guaranteed for them. This activity used four stages in conducting the events: material presentation, question and answer session, discussion session, as well as a game and bonding session. Materials brought in this activity are but not limited to the importance of money, money management techniques, difference between wants and needs, as well as how to control spendings. This activity is shown as a success as students are shown to have a better understanding of proper money management by the end of the activity
Peningkatan Literasi Keuangan dan Minat Investasi Sejak Dini: Program Pengabdian Masyarakat di SMA Petra Acitya Enzo Budiman; Vincent Djaja; Bingky Kurniawan; Nanik Linawati
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 5 No 3 (2026): Agustus
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v5i3.867

Abstract

Investment is an activity of investing capital or funds in a financial instrument. Limited financial literacy, particularly among Generation Z, is an obstacle to making correct investment decisions. This Community Service Program aims to improve understanding of the basic concepts of investment, types of instruments, as well as the benefits and risks that may occur. The target of this activity is high school students, with a total of 60 participants. The method used was through interactive discussions, such as question and answer sessions and completing quizzes. The results of the activity showed that participants experienced an increase in their interest in starting to invest.
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