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Pelatihan Literasi Keuangan pada Alumni dan Pra Alumni Universitas Sinuraya, Candra; Margaretha, Meily
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 9 No 3 (2025): Volume 9 Nomor 3 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v9i3.25906

Rendahnya tingkat literasi keuangan di Indonesia, yang hanya mencapai 38,03%, berdampak pada rendahnya kemampuan individu, khususnya alumni dan pra-alumni perguruan tinggi, dalam mengelola keuangan secara bijak dan sesuai dengan nilai-nilai iman. Kegiatan pengabdian ini bertujuan untuk meningkatkan literasi keuangan dan pemahaman investasi yang etis bagi alumni dan pra-alumni yang tergabung dalam komunitas Persekutuan Alumni Kristen di Bandung. Metode pelaksanaan mencakup pre-test, ceramah interaktif, diskusi kelompok, studi kasus, penyusunan anggaran pribadi, serta post-test untuk mengukur perubahan pemahaman, sikap, dan perilaku peserta. Hasil pelatihan menunjukkan peningkatan signifikan dalam pemahaman konsep keuangan dasar, strategi investasi, dan manajemen risiko. Peserta juga menunjukkan perubahan perilaku, seperti mulai menyusun anggaran pribadi, menghindari perilaku konsumtif, dan mempertimbangkan nilai etika dalam investasi. Kegiatan ini berhasil meningkatkan kesadaran finansial dan komitmen peserta dalam menerapkan prinsip keuangan yang bijak, bertanggung jawab, dan berlandaskan iman dalam kehidupan sehari-hari.

Membentuk Pemimpin Masa Depan Melalui Pelatihan Pengelolaan Keuangan Saragih, Susanti; Margaretha, Yolla; Kristine, Fanny; Margaretha, Meily; Nursalin, Kezia Kurniawati; Sherlywati, Sherlywati; Kuswoyo, Chandra
Yumary: Jurnal Pengabdian kepada Masyarakat Vol. 6 No. 1 (2025): September
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v6i1.3837

Purpose: This community service initiative aims to support educational institutions in fostering the social and emotional development of adolescents by promoting awareness of saving, enhancing understanding of personal finance concepts, and equipping adolescents with essential financial skills to navigate future financial challenges. Methodology: The methodology employed in this initiative involved simulations and role-playing activities structured as a training program. The training focuses on the "Gerakan SMART" (Simpan, Mengurutkan kebutuhan, Atur pengeluaran, Realisasikan, dan Tercatat), a framework designed to assist individuals in creating, managing, and effectively utilizing personal finances. Results: A total of 97 junior high school students participated in this study. Evaluation based on three key indicators revealed that the community service activity was successful in achieving its objectives. The "Gerakan SMART" game improved the participants’ knowledge of financial management. Conclusion: Financial management is a crucial skill for adolescents, preparing them to face future financial challenges and ensuring their well-being. Training programs focused on financial management for young people are expected to cultivate future leaders equipped to thrive in competitive workplace environments that demand these skills, thereby contributing to the achievement of the Sustainable Development Goals (SDGs). Limitations: Owing to time and resource limitations, the program had difficulty ensuring that participants fully understood the material and assessing the training’s long-term effects. Contribution: By promoting the "Gerakan SMART" framework, the program equips young generations with the tools to navigate future financial challenges and prepares them to be leaders in the future.

Pelatihan Pengelolaan Keuangan untuk Keluarga : Mengelola Resiko dan Cerdas Finansial Saragih, Susanti; Widiastuti, Ratna; Zaniarti, Sri; Margaretha, Yolla; Kristine, Fanny; Nursalin, Kezia Kurniawati; Margaretha, Meily; Lu, Cen
Jurnal Pengabdian UNDIKMA Vol. 5 No. 3 (2024): August
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v5i3.11243

This community service activity aims to increase the knowledge and skills of parents of Bandung Baptist Christian Junior High School students regarding families' financial planning and management to avoid family financial risk. This community service implementation method uses training with 25 participants, who are parents of students. The evaluation of this community service activity was carried out by conducting a survey to measure the reaction of participants, their knowledge level, and their change intention. Descriptive analysis was performed on the data collected.Â The results of the community service activity showed that more than 96% of the participants who attended found the activity relevant to their conditions. Additionally, 62% of the participants experienced an increase in knowledge regarding the concept of financial management, and all participants committed to taking concrete actions to improve their family's financial conditions, including avoiding debt, making financial records, using an application to simplify financial management, and setting a budget (financial prioritization).

Influence of allowance, lifestyle, and financial inclusion on financial management practice among Indonesia college students Zaniarti, Sri; Margaretha, Meily; Subagja, Arie Danu
International Journal of Financial, Accounting, and Management Vol. 7 No. 1 (2025): June
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v7i1.2270

Purpose: This study investigates how young adults manage their finances. It examines the impact of three factors: allowance (pocket money), financial habits (lifestyle), and access to financial services (inclusion). Methods: The study population comprised college students in Bandung, Indonesia. A sample of 159 college students was selected to understand their financial management practices and related factors. Results: The study found that Allowance and financial inclusion significantly influenced how young adults managed their finances. These factors were found to have a significant impact, with p-values less than 0.05. Students who manage their income exhibit better budgeting and spending habits. Access to financial services positively affects students' financial management skills and encourages safer savings methods. However, lifestyle factors did not significantly impact financial management, contrary to the findings of previous research. This suggests that other factors might be more crucial for financial discipline. Conclusions: This study finds that pocket money and financial inclusion significantly enhance financial management skills among university students, while lifestyle has little impact, highlighting the need for education that fosters saving, investing, and responsible financial behavior. Limitations: This study focused on a specific student population in Bandung, Indonesia. Further research is required to determine whether these findings apply to broader demographic groups. Contribution: This study underscores the role of schools and families in enhancing students’ financial literacy through education, allowances, and financial inclusion. Novelty: This study reveals that lifestyle habits have a limited impact on financial management among tech-savvy youth, suggesting the need to reconsider financial education strategies, particularly in trend-driven contexts such as Bandung.

Kepemimpinan transformasional, kualitas kehidupan kerja, dan organizational citizenship behavior: Motivasi kerja sebagai mediasi Kurniawati, Desi Tri; Margaretha, Meily
Jurnal Manajemen Maranatha Vol 24 No 1 (2024): Jurnal Manajemen Maranatha
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v24i1.10034

This research aimed to investigate the direct and indirect impact of transformational leadership and quality of work life on organizational citizenship behavior OCB, with work motivation as a mediator. An explanatory method was adopted to examine the relationship between antecedent, mediator, and consequences, with seven hypotheses being tested. A total of 216 employees from the St. Regis Hotel in Bali were selected as the participants using a simple random sampling. Data were analyzed using SEM-PLS, which included conducting validity and reliability tests through algorithm methods, followed by hypothesis testing using bootstrapping. The results of the analysis showed that transformational leadership directly impacted OCB. When work motivation acts as a mediator, transformational leadership significantly affects OCB. While QWL did not directly affect increasing OCB, its relationship with OCB became significant when work motivation was introduced as a mediator.

Membentuk Pemimpin Masa Depan Melalui Pelatihan Pengelolaan Keuangan Saragih, Susanti; Margaretha, Yolla; Kristine, Fanny; Margaretha, Meily; Nursalin, Kezia Kurniawati; Sherlywati, Sherlywati; Kuswoyo, Chandra
Yumary: Jurnal Pengabdian kepada Masyarakat Vol 6 No 1 (2025): September
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v6i1.3837

Purpose: This community service initiative aims to support educational institutions in fostering the social and emotional development of adolescents by promoting awareness of saving, enhancing understanding of personal finance concepts, and equipping adolescents with essential financial skills to navigate future financial challenges. Methodology: The methodology employed in this initiative involved simulations and role-playing activities structured as a training program. The training focuses on the "Gerakan SMART" (Simpan, Mengurutkan kebutuhan, Atur pengeluaran, Realisasikan, dan Tercatat), a framework designed to assist individuals in creating, managing, and effectively utilizing personal finances. Results: A total of 97 junior high school students participated in this study. Evaluation based on three key indicators revealed that the community service activity was successful in achieving its objectives. The "Gerakan SMART" game improved the participants’ knowledge of financial management. Conclusion: Financial management is a crucial skill for adolescents, preparing them to face future financial challenges and ensuring their well-being. Training programs focused on financial management for young people are expected to cultivate future leaders equipped to thrive in competitive workplace environments that demand these skills, thereby contributing to the achievement of the Sustainable Development Goals (SDGs). Limitations: Owing to time and resource limitations, the program had difficulty ensuring that participants fully understood the material and assessing the training’s long-term effects. Contribution: By promoting the "Gerakan SMART" framework, the program equips young generations with the tools to navigate future financial challenges and prepares them to be leaders in the future.

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