Claim Missing Document
Check
Articles

Found 15 Documents
Search

Financial Literacy To Create A Bright Future Peter, Peter; Hadianto, Bram; Raihin, Yusuf Osman; Aribowo , Agus; Tan , Ming Kuang
Prima Abdika: Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2024): Volume 4 Nomor 1 Tahun 2024
Publisher : Program Studi Pendidikan Guru Sekolah Dasar Universitas Flores Ende

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/abdika.v4i1.3343

Abstract

This service to the community aims to prove the effectiveness of financial literacy substances delivered, i.e., financial, investment, and retirement planning, to the related people in Badan Pendidikan Kristen (BPK) Penabur Metro in Lampung Province. This is due to their inadequate knowledge, obtained after the Maranatha Christian University team interviewed the chief of BPK Penabur Metro. Furthermore, the questions of Chen and Volpe (1988) are utilized to evaluate the success of this event based on the precise answers (PA). Moreover, their percentage gets statistically compared after and before the material delivery (MD). To deliver materials, the presenters utilize the lecture technique. Besides, the discussion is utilized to answer participants' curiosity about the topics. Based on this statistical examination, the portion of PA after the MD is higher than that before the MD, where the level is 62.45% and 36.58%, respectively. In other words, this service to the community successfully elevates their ability to answer these questions.
Enhancing Investment Literacy Level among people in Tasikmalaya Peter, Peter; Iskandar, Dini; Martalena, Martalena; Wahyusaputra, Tedy; Herlina, Herlina; Hadianto, Bram
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 4 No 4 (2025): November
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v4i4.264

Abstract

Low investment literacy in the community can lead to society being exploited by fraudsters offering high returns for a short period, only to require the invested money later, as seen in some cases in Tasikmalaya. Therefore, socialization to open social minds is needed: The legal investment instruments are still in the capital market as alternatives. Moreover, this service community educates members of society in Tasikmalaya, specifically those affiliated with the Christian Education Agency Foundation, who serve as participants. Using a lecture-and-question-and-answer approach, this community service works. To test their comprehension, committee members shared a Google Form containing multiple-choice investment problems based on Lusardi and Mitchell (2009) to gather correct responses before and after the material presentation. After that, the proper responses are compared. As a result, the average correct answer ratio increases from 65.38% to 77.56% before and after material presentation, respectively. Therefore, community service effectively enhances their understanding of the subject matter. Through this activity, the risk of fraudulent investment can be significantly reduced, allowing people to choose a suitable instrument based on their risk profile, especially in Tasikmalaya.
Income, Financial Literacy, and Financial Management Behavior Peter Peter; Herlina Herlina; Amisiska Natalia Saragi
Global Management: International Journal of Management Science and Entrepreneurship Vol. 3 No. 1 (2026): February: Global Management: International Journal of Management Science and En
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/globalmanagement.v3i1.507

Abstract

Financial management plays a crucial role in individual financial planning, particularly in the context of increasingly unstable macroeconomic conditions. Effective financial management behavior enables individuals to allocate resources wisely, manage risks, and achieve financial sustainability in the long term. Therefore, identifying the key factors that influence financial management behavior is essential. This study aims to analyze the effect of income and financial literacy on financial management behavior (FMB). The population of this study consists of teachers and administrative employees aged 24 to 60 years from two educational institutions located in Bandar Lampung and Metro. Using a snowball sampling technique, a total of 93 respondents were obtained. Data were collected through an online survey questionnaire designed to measure income level, financial literacy, and financial management behavior. The collected data were then analyzed using a multiple regression model to test the proposed hypotheses. The results of the analysis indicate that both income and financial literacy have a positive and significant effect on financial management behavior. Individuals with higher income levels tend to demonstrate better financial management practices, while greater financial literacy enhances individuals’ ability to plan, control, and make informed financial decisions. These findings highlight the importance of improving financial literacy and income management skills to strengthen financial management behavior, particularly among educators and educational staff.
Community Service to Increase the Investment Literacy Level of Employees in Sukabumi Peter, Peter; Iskandar, Dini; Martalena, Martalena; Wahyusaputra, Tedy; Herlina, Herlina; Hadianto, Bram
KREATIF: Jurnal Pengabdian Masyarakat Nusantara Vol. 6 No. 2 (2026): Jurnal Pengabdian Masyarakat Nusantara
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/kreatif.v6i2.10942

Abstract

The fraudulent investment is everywhere; therefore, society must be watchful. By following up on this situation, the efforts of other parties, such as the Indonesian Financial Authority and the campus, are needed to demonstrate that other legal investment alternatives remain available. As an inseparable part of the campus, lecturers must participate in community service to educate society. Furthermore, the lecturers from Maranatha Christian University visit Sukabumi to educate participants affiliated with BPK Penabur on the relevant subjects. To effectively measure their understanding, this community service uses the advanced multiple-choice questions on financial literacy by Lusardi (2007), distributed via a Google link before and after the materials are presented. As a result, the correct answer portion increases from 62.7193% to 73.4649%.
The Influence of Profitability, Asset Structure, Firm Size, and Solvency on Capital Structure in Food and Beverage Companies Velika Occalanie; Peter Peter; Henky Lisan Suwarno
International Journal of Economics, Commerce, and Management Vol. 3 No. 2 (2026): International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v3i2.1180

Abstract

Food and beverage companies must maintain a robust capital structure to compete effectively amidst the intense pressures of globalization and achieve their strategic objectives. This study aims to examine the impact of profitability, asset structure, company size, and solvency on the capital structure of food and beverage firms listed on the Indonesia Stock Exchange (IDX) and included in the LQ45 index. This study uses an explanatory method with purposive sampling technique, where samples are determined based on companies that have completed financial reports during the research period and are indexed in LQ45. Data analysis was performed using t-tests and F-tests. The results show that profitability (ROA), asset structure, and company size (Ln Total Assets) do not have a significant partial effect on capital structure (DER), meaning that these three factors do not directly influence companies' decisions on the use of debt for financing. However, solvency (DAR) was found to have a significant effect on capital structure, indicating that a company's ability to meet its long-term obligations plays an important role in determining the level of debt used for operational financing. Simultaneously, the four independent variables had a significant effect on capital structure, meaning that all variables together contributed to influencing food and beverage companies' decisions in determining their financing strategies.