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All Journal Jurnal Manajemen Magister Darmajaya DERIVATIF Prosiding Seminar Nasional Darmajaya Batoboh : Jurnal Pengabdian Pada Masyarakat Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Jurnal Bisnis Darmajaya Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi Al-Mal:Jurnal Akuntansi dan Keuangan Islam GEMA : Jurnal Gentiaras Manajemen dan Akuntansi Jurnal Fokus Manajemen Bisnis JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Journal of Economics Research and Social Sciences Dinamika Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat Jurnal Ekonomi Manajemen (JEM) Jurnal Akuntansi AKTIVA Jurnal Manajemen DIVERSIFIKASI Jurnal Indonesia Sosial Teknologi PROSIDING SEMINAR NASIONAL PENELITIAN DAN PENGABDIAN KEPADA MASYARAKAT (SNPPM) UNIVERSITAS MUHAMMADIYAH METRO Jurnal Manajemen dan Bisnis (JMB) Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi Studi Akuntansi dan Bisnis Indonesia
Ali, Karnila
UNIVERSITAS MUHAMMADIYAH METRO
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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Analisis Pengaruh Return On Asset Dan Return On Equity Terhadap Kebijakan Dividen Pada Perusahaan Manufaktur Sub Sektor Kimia Periode 2021 Akbar Dwi Antono; Karnila Ali; Sri Retnaning Rahayu
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 1 (2025): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i1.4362

Abstract

Dividend policy is a decision whether to distribute profits earned by the company to shareholders as dividends, or keep them as retained earnings to finance future investments. This research used descriptive quantitative approach which the aims to determine there is an effect of Return On Assets (ROA) and Return on Equity (ROE) on dividend policy. The samples in this research used 9 chemical manufacturing companies in the chemical sub-sector for the 2021 period. The results of the analysis show that Return On Assets (ROA) has a positive effect on dividend policy with a regression coefficient of the ROA variable (X1) of 5437703402.135, which means that ROA has increased by 1 % then the dividend policy (Y) will increase in value by Rp. 5437703402,135. Meanwhile, Return On Equity (ROE) has a negative effect with the regression coefficient of the ROE variable (X2) of -10050755397.989, which means that if ROE increases by 1%, the dividend policy (Y) will experience a decrease in value of Rp.-10050755397.989 on dividend policy in chemical sub-sector manufacturing companies for the 2021 period listed on the Indonesian Stock Exchange (IDX).
Financial Literacy, Social Status, Lifestyle, and FOMO on Generation Z Financial Management Feby Pratiwi Handayani; Ardiansyah Japlani; Karnila Ali
Studi Akuntansi dan Bisnis Indonesia Vol 1 No 4 (2025): October
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM), STIE Krakatau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61401/sabi.v1i4.506

Abstract

Purpose: This study examines the partial and simultaneous effects of financial literacy, social status, lifestyle, and Fear of Missing Out (FOMO) on personal financial management among Generation Z in Metro City, Lampung Province, Indonesia. Methodology: A quantitative descriptive survey was conducted with 100 Generation Z respondents (born 1997–2012) who had manageable income. Respondents were selected using purposive sampling methods. Data were collected using a validated and reliable Likert-scale questionnaire and analyzed using multiple linear regression after fulfilling classical assumption tests. Results: Financial literacy (β= 0.364, p< 0.001) and lifestyle (β= 0.201, p= 0.042) significantly and positively influenced personal financial management. Meanwhile, social status (β= 0.151, p= 0.067) and FOMO (β= 0.129, p= 0.142) have positive but statistically insignificant effects on purchase intention. Simultaneously, all variables significantly affected personal financial management (F= 19.471, p < 0.001), with an Adjusted R² of 0.823, indicating that 82.3% of the variance in financial management was explained by the model. Conclusions: Financial literacy is the most influential factor in shaping the financial management behavior of Generation Z, followed by lifestyle. Social status and FOMO did not independently exert significant effects. Limitations: This study is limited to Generation Z in Metro City and employs purposive sampling, which may reduce generalizability. Contribution: This study extends the understanding of Generation Z’s financial behavior by integrating financial literacy, social status, lifestyle, and FOMO, while emphasizing the importance of financial education in improving financial management practices.
STRENGTHENING FINANCIAL LITERACY FOR INDONESIAN MIGRANT WORKERS IN MALAYSIA: "A STRATEGY TOWARDS FINANCIAL INDEPENDENCE” Karnila Ali; Muhammad Ihsan Dacholfany; Fitriani Fitriani; Elmira Febri Darmayanti; Nina Lelawati; Eva Rolia
SINAR SANG SURYA Vol 10 No 1 (2026): Januari 2026
Publisher : UM Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/sss.v10i1.4988

Abstract

Malaysia was the most frequently chosen country by Indonesian Migrant Workers (IMW) in 2024. Education on the importance of financial management for IMW is crucial. This is because the majority of IMW lack adequate knowledge of financial management. Observations through various media sources concluded that many IMW still lack adequate knowledge and understanding of financial literacy. This education is delivered through training aimed at teaching IMW the importance of financial planning. The materials provided include budgeting, saving, using digital financial applications and online banking services to facilitate transactions and money transfers, and investing, which are essential for effective personal financial management. Management Science University (MSU) Malaysia is a popular destination for Indonesians seeking further education and employment in the formal sector. According to MSU, approximately 200 Indonesian students are currently studying at MSU, with approximately 25 formal migrant workers employed on campus as lecturers and staff and informal workers around Shah Alam. This community service activity is an international collaboration between the Management Science University (MSU) Malaysia Lecturers and the Universitas Muhammadiyah Metro Lecturers. The community service activity takes the form of financial planning training, which is expected to equip Indonesian migrant workers (IMW) working around the MSU campus in Shah Alam with the knowledge necessary for proper financial management. Providing training and reinforcement regarding financial management and digital banking services will be effective in improving the financial literacy of formal and informal IMW working at MSU Malaysia campus and its surroundings.The implementation method for this training consists of four stages: planning, preparation, implementation, and evaluation. The short-term goal of this program is to successfully implement this community service activity, which is expected to serve as an alternative activity to strengthen the literacy of Indonesian migrant workers still working in MalaysiaKeywords: Training, Financial Literacy, Investment, Indonesian Migrant Workers
Pemberdayaan IRT Geblek di Kelurahan Trimurjo melalui Digitalisasi dan Peningkatan Kualitas Produk untuk Kemandirian Ekonomi dan Ketahanan Pangan Lokal Dani Anggoro; Karnila Ali; Ardiansyah Japlani
JURPIKAT Vol 6 No 4 (2025)
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v6i4.2723

Abstract

Geblek Mbak Sun Home Industry (IRT) in Trimurjo Village processes cassava into geblek, a traditional Yogyakarta delicacy popular in Lampung. This enterprise employs 20 workers with an average daily production of 200 kg of cassava. However, it faces several challenges, including limited product shelf life, lack of flavor innovation, simple financial recording, absence of standardized operating procedures (SOP), limited access to clean water, and restricted marketing reach. The Community Service Program (PkM) was implemented through observation, socialization, product and packaging innovation training, financial and SOP training, digital marketing training, technology adoption, and mentoring. The results showed improvements in product shelf life through vacuum sealer technology, development of two new product flavors, adoption of digital financial recording, establishment of production SOPs, digital marketing through WhatsApp Business, Marketplace, and website platforms, as well as market expansion with increased sales beyond the Trimurjo area
Sosialisasi Warisan Budaya dan Batik Lampung Di Malaysia Karnila Ali; Nina Lelawati; Fitriani Fitriani; Elmira Febri Darmayanti
SINAR SANG SURYA Vol 9 No 2 (2025): Agustus 2025
Publisher : UM Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/sss.v9i2.4363

Abstract

Perbedaan paling mendasar antara batik Malaysia dan Indonesia dapat dilihat dari sejarahnya. Jika melihat dari beberapa referensi, batik Malaysia merupakan karya seni. Asal usul batik Malaysia sendiri dikatakan sebagai karya seni yang berasal dari wilayah pesisir timur Malaysia. Perbedaan lainnya antara batik Malaysia dan juga batik Indonesia terletak pada teknik pembuatan batiknya. Jika di Indonesia kita mengenal dua teknik pembuatan batik yaitu menggunakan cap dan juga tulis. Pada batik tulis pengrajin batik akan membuat pola dan corak batik menggunakan canting dan juga lilin. Lain halnya dengan batik Malaysia, teknik pembuatan batik menggunakan cara melukis dengan istilah mencolet dimana corak dibuat dengan menggunakan kuas pada sebuah kain. Branding membantu batik Lampung menciptakan identitas yang unik dan mudah dikenali oleh konsumen di Malaysia. Dengan branding yang kuat, produk batik Lampung akan memiliki ciri khas yang membedakan mereka dari batik Malaysia. Branding Batik Lampung dapat dilihat dari simbol berupa desain motif, warna maupun kemasan yang menjadi ciri khas.Namun, meskipun batik Lampung memiliki ciri khas tersendiri, pengembangan dan pemanfaatan batik sebagai produk unggulan daerah masih terbatas, baik dari sisi produksi, kualitas, maupun pemasaran.. Oleh karena itu, diperlukan upaya strategis untuk mensosialisasikan dan mengoptimalkan potensi batik Lampung melalui program pengabdian kepada masyarakat ini yang bertujuan untuk meningkatkan pengetahuan dan keterampilan UMKM batik Lapung dalam menghasilkan batik yang berkualitas, sekaligus memperkenalkan budaya dan produk batik Lampung ke pasar Internasional. Kegiatan ini juga bertujuan untuk melestarikan nilai-nilai budaya, kain tapis dan batik yang ada di Lampung dipasar Internasional
Daycare Lansia Aisyiyah Sebagai Pusat Pemberdayaan Lansia di Kota Metro Sri Retnaning Rahayu; Elmira Febri Darmayanti; Eva Rolia; Durotun Nasikah; Karnila Ali; Merissa Azzahra; Bagus Surya Sahputra; Reyhan Singgih Pradipta; Shinta Amelia; Nafa Wulan Ramadani
SINAR SANG SURYA Vol 9 No 2 (2025): Agustus 2025
Publisher : UM Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/sss.v9i2.4492

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk membentuk dan mengembangkan DayCare Lansia Aisyiyah sebagai pusat pemberdayaan lanjut usia di Kota Metro. Kegiatan ini dilatarbelakangi oleh meningkatnya jumlah penduduk lanjut usia di Indonesia, termasuk di Kota Metro, yang membutuhkan perhatian khusus dalam aspek kesehatan, spiritual, sosial, dan ekonomi. Metode pelaksanaan pengabdian dibagi dalam dua tahap, yaitu tahap pra pelaksanaan yang mencakup survei lokasi, perancangan desain, serta pengadaan sarana, dan tahap pelaksanaan yang meliputi peningkatan fasilitas DayCare dan pelaksanaan program pemberdayaan. Hasil kegiatan menunjukkan peningkatan signifikan pada infrastruktur layanan lansia, seperti toilet ramah lansia, ruang ibadah, dan sarana pendukung lainnya. Program rutin seperti pengajian, pelatihan keterampilan, dan pemeriksaan kesehatan telah berjalan dengan baik dan mendapatkan respons positif dari peserta lansia. Selain itu, kegiatan ini menghasilkan berbagai luaran seperti publikasi artikel ilmiah, video kegiatan, artikel media massa, dan pendaftaran Hak Kekayaan Intelektual. Dampak kegiatan terlihat pada meningkatnya kualitas hidup lansia, terciptanya interaksi sosial yang positif, serta keterlibatan aktif masyarakat dan akademisi dalam mendukung keberlanjutan program. Kegiatan ini diharapkan menjadi model pengabdian yang dapat direplikasi di daerah lain, serta menjadi kontribusi nyata dalam menciptakan lingkungan yang lebih ramah dan memberdayakan bagi lansia.Kata kunci : Pemberdayaan lansia, layanan day care, kesehatan lansia, pengabdian masyarakat, Kota Metro. 
Analisis Pengelolaan Keuangan Dana Desa Terhadap Peningkatan Pembangunan Sumber Daya Desa Kauman Kotagajah Kabupaten Lampung Tengah: Tri Octagina, Ferira Zemni; Febriyanto; Ali, Karnila
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i3.6704

Abstract

This research aims to find out whether Village Fund Management has been implemented effectively in improving resource development in Kauman Village, Kota Gajah District. The type of research used is descriptive qualitative research. This research analyzes data by describing or describing the collected data as a question with the aim of making conclusions that apply to the general public and generalizing using analysis. The instruments used in this research were interviews and observations. The research results show that village fund management has been implemented quite effectively in increasing village resource development. The effectiveness of the management of the Kauman Village Fund, Kota Gajah District, Central Lampung Regency in the physical development of Kauman Village, Gajah City District, Central Lampung Regency, has been quite effective or felt directly by the community so that it can improve community welfare.
Dampak Financial Technology Terhadap Kinerja Keuangan (Studi Kasus Sub Sektor Perbankan 2019-2022) Yana Apriana; Ardiansyah Japlani; Karnila Ali
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i3.6986

Abstract

In the current modern era, the development of science and technology in Indonesia is no longer something foreign to Indonesian people. The emergence of financial technology (fintech) has changed the way people use financial services. In Indonesia, the banking sector has become one of the sectors most affected by fintech developments. Various fintech platforms and applications have emerged, offering various services such as digital payments, online loans, peer-to-peer investments, and more. The type of research used in this research is quantitative research. The approach used in this research is a descriptive quantitative approach. The population used in this research is data collected based on a yearly period. So the population in this study are financial reports that have been published by Bank BRI, Mandiri, BCA, BNI and BTN 4 years before using financial technology and 4 years after using financial technology, namely in 2019-2022. To test the hypothesis that has been proposed, the researcher used the Paired Sample T-Test. From the results of the tests that have been carried out, it can be concluded that in the BOPO and ROA ratios of the five banks, only BTN bank has differences before and after using Fintech. Meanwhile, the NPL ratios of the five banks did not experience any differences from before or after adopting Fintech.
Co-Authors Adelia Ananda Rizky Afdal Mazni Agustian, Didiek Wijaya Akbar Dwi Antono Alfandi, Ashari Mahendra Amelia, Shinta Anak Agung Gede Sugianthara Andina Pramesti Awalia Andriyani Dwi Puspitasari Angelica, Aulia Aprilawati, Niputu Irma Ardiansyah Japlani, Ardiansyah awalia, andina pramesti Azyasa, Mutiara Wika Azzahra, Merissa Bagus Surya Sahputra Bambang Suhada Bambang T Tri Saputra Dani Anggoro Darmayanti, Elmira Febri Dea Angelina Dick Ratna Sari Didiek Wijaya Agustian Dina Fitriani Dinda Fali Rifan Durotun Nasikah Elita Herdiana Elli Fitriyani Fahmi Andi Ningrum Faiz Dwi Nugroho Febiyanto Febriyanto Febriyanto Febriyanto Feby Pratiwi Handayani FIKA MUDRIKAH Fitriani Fitriani Fitri Fitriani Fitriani Fitriani Fitriani Ganis Delvia Gustin Padwa Sari, Gustin Padwa I Gusti Bagus Wiksuana Jati Imantoro Jati Imantoro, Jati Jawoto Nusantoro Lelawati, Nina M. Ihsan Dacholfany Maharani, Nur Merissa Azzahra Muhammad Anif Afandi Muhammad Ihsan Dacholfany Mutiara Wika Azyaza Nadisa Aristia Putri Naelia Zaini Nafa Wulan Ramadani Nani Septiana Nani Septiana Nasikah, Durotun Nedi Hendri Nina Lelawati Novita Ningsih Nur Ayu Istiqomah Nur Wahyu Ningsih Nuraini Nuraini Nurul Fitriani Oktaviani, Leni Oniesca Martha Prabowo, Bob Ardi Pradipta, Reyhan Singgih Puji Lestari Rahmah Dianti Putri Ramadani, Nafa Wulan Rangga Aditya Raniana, Vina Reyhan Singgih Pradipta Reza Gunarti Ria Dika Rahmawati Ridwansyah Ridwansyah Risnalamelan Agifirilarani Rizki Iza Maulana Rolia, Eva Rolia, Eva Rosid, Andiana Rosydalina Putri Sahputra, Bagus Surya Saputra, Bambang T Tri Sari, Ida Yunita Selvi Wahyu Puspita Shella Rintia Shinta Amelia Siti Khoiroh Sobri, Rian Mochammad Sri Retnaning Rahayu Sri Retnaning Rahayu Sri Retnaning Rahayu, Sri Retnaning Sugiyarto Sugiyarto Suharto Suharto Suwarto Suwarto Suyanto Suyanto Suyanto Suyanto Theo, Ahmad Hadi Tri Octagina, Ferira Zemni Utami, Agustina Surya Wiraputra, Jhody Wungu Muharomi Wuri, Sela Prela Yana Apriana Yenca Tasya Vara Renca Zalvira Aprilia Putri Zuhroh, Zerina Amalia