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All Journal Kinerja: Jurnal Ekonomi dan Manajemen JRMSI - Jurnal Riset Manajemen Sains Indonesia International Journal of Social Science and Business Industrial Engineering Journal (IEJ) PROJECT (Professional Journal of English Education) Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Indonesian Journal of Innovation and Applied Sciences (IJIAS) International Journal of Qualitative Research Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) EBONY Visioner & Strategis International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) SABAJAYA Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Jurnal Solusi Masyarakat Dikara INTEGRASI : Jurnal Ilmiah Keagamaan dan Kemasyarakatan e-Journal of Linguistics Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Ristati Ristati
Faculty Of Economics And Business Universitas Malikussaleh, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences Other

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THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL LITERACY ON NON-CASH TRANSACTION PREFERENCES Alfiana Alfiana; Listiana Sri Mulastih; Restu Widyo Sasongko; Ristati Ristati; Andi Amri
JURNAL ILMIAH EDUNOMIKA Vol 8, No 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11024

Abstract

Abstract Seiring dengan kemajuan zaman transaksi non-tunai dapat menjadi opsi dalam menggantikan transaksi tunai. Transaksi non-tunai harus didukung karena memiliki sejumlah dampak positif salah satunya mengurangi jumlah uang yang beredar di tengah masyarakat. Terdapat sejumlah faktor yang dapat mempengaruhi preferensi transaksi non-tunai diantaranya pengikatan literasi keuangan dan literasi digital. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan eksplanotri terhadap 250 mahasiswa yang tersebar di seluruh penjuru Indonesia berupa kota padang, Jakarta, Samarinda, dan Makassar. Data yang digunakan disebarkan melui kuisioner dengan skala likert 1-5 berisi setuju, sangat setuju, netral, tidak setuju, dan sangat tidak setuju. Hasil penelitian menunjukkan variabel Financial Literasi dan Digital Literacy memiliki arah hubungan positif dan pengaruh yang signifikan terhadap variabel Non-Cash Transaction Preferences. Keywords : Digital Literacy, Financial Literacy, Non-Cash Transaction Preferences.
Pengaruh Herding Behaviour, Regret Aversion Bias, Overconfidence, Dan Risk Tolerance Terhadap Keputusan Investasi Pada Generasi Milenial (Studi Kasus Pada PT. Phintraco Sekuritas Pojok Bursa FEB UNIMAL) Putri, Lidia Syah; Ristati, Ristati Ristati; Husaini, Husaini Husaini; Wardhiah, Wardhiah Wardhiah
Jurnal Visioner & Strategis Vol. 13 No. 1 (2024): Jurnal Visioner & Strategis, Edisi Maret 2024
Publisher : Department of Management Faculty of Economics and Business, UNIVERSITAS MALIKUSSALEH

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Abstract

This study aims to determine how the influence of herding behavior, regret aversion bias, overconfidence, and risk tolerance on investment decisions in the millennial generation. The data used in this study is primary data obtained by distributing questionnaires to 97 investors who invested in PT. Phintraco Securities Corner of FEB Unimal Stock Exchange. The data analysis technique used in this study is multiple linear regression analysis using the help of SPSS software version 26. The results found that herding behavior and regret aversion bias had an insignificant negative effect on investment decisions. Meanwhile, overconfidence has a negative and significant effect on investment decisions. While risk tolerance has a positive effect on investment decisions at PT. Phintraco Securities Corner of FEB Unimal Stock Exchange. This shows that investors in PT. Phintraco Securities Corner FEB UNIMAL tends to make investment decisions based on fundamental analysis obtained from the company's financial condition and overall economic condition. Then investors also tend to pay attention to facts and data in making investment decisions and not just emotional factors, this is because investors at PT. Phintraco Securities Corner FEB UNIMAL tends to be bolder in taking higher investment risks and can get greater returns in the financial market. Keywords: Investment Decisions, Herding Behaviour, Regret Aversion Bias, Overconfidence, and Risk Tolerance
ANALYSIS OF THE INFLUENCE OF GOOD CORPORATE GOVERNANCE ON DIVIDEND POLICY IN PROPERTY AND REAL ESTATE SECTOR COMPANIES LISTED ON THE INDONESIAN STOCK EXCHANGE T. Hafifah Poetry Zulmi; Rico Nur Ilham; Muttaqien; Ristati
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 5 No. 2 (2023): IHERT (2023) SECOND ISSUE: International Conference on Health Science, Green Ec
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v5i2.371

Abstract

This research aims to determine the impact of good corporate governance as measured using the size of the board of commissioners, independent commissioners, size of the board of directors and leverage as control variables on dividend policy in property and real estate sector companies listed on the Indonesian stock exchange. This research uses a combination of cross section and time series data. The population from this research is 73 companies and the sample in this research is 28 companies using a purposive sampling technique. Data analysis used in this research uses the Panel Data Regression method with the help of the Eviews 10 application. The data used is secondary data which can be accessed via the official website www.idx.co.id. The research results found that the size of the board of commissioners had a positive and insignificant effect on dividend policy, independent commissioners had a positive and insignificant effect on dividend policy, the size of the board of directors had a positive and insignificant effect on dividend policy.
THE INFLUENCE OF FINANCIAL LITERACY, INVESTMENT KNOWLEDGE AND INVESTMENT MOTIVATION ON STUDENT INVESTMENT INTEREST IN LHOKSEUMAWE CITY Sumi Amelya Harahap; Rico Nur Ilham; Ristati; Muttaqien
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 5 No. 2 (2023): IHERT (2023) SECOND ISSUE: International Conference on Health Science, Green Ec
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v5i2.376

Abstract

This study aims to determine whether financial literacy, investment knowledge and investment motivation affect student investment interest in Lhokseumawe City. The data used in this study are primary data where the data is obtained by distributing questionnaires to students in Lhokseumawe City. The sampling technique used is purposive sampling with non probability sampling method. The number of respondents used as samples in this study was 100 people using the Lameshow formula. The data were analyzed using the partial least square method using SmartPLS 4.0 software. The results of this study indicate that financial literacy has a positive and significant effect on student investment interest in Lhokseumawe City with an original sample value of 0.474 and a P value of 0.000, investment knowledge has a positive but insignificant effect on student investment interest in Lhokseumawe City with an original sample value of 0.165 and a P value of 0.111 and investment motivation has a positive and significant effect on student investment interest in Lhokseumawe City with an original sample value of 0.334 and a P value of 0.001. This shows that financial literacy and investment motivation are very important for every student in Lhokseumawe City to increase their investment interest. Meanwhile, investment knowledge, high or low, has no effect on student investment interest in Lhokseumawe City.
Pelatihan Manajemen Keuangan terhadap UMKM Ristati
SABAJAYA Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 02 (2024): SABAJAYA: Jurnal Pengabdian kepada Masyarakat
Publisher : SABA JAYA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59561/sabajaya.v2i02.309

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan pendorong utama ekonomi di Indonesia, tetapi sering mengalami tantangan kompleks terkait manajemen keuangan. Artikel ini membahas hasil pelatihan manajemen keuangan UMKM di Aceh Utara, fokus pada pengelolaan, penyusunan laporan, dan pengendalian keuangan. Hasilnya menyoroti pentingnya pemisahan keuangan usaha dan pribadi, pencatatan keuangan yang teratur, serta pengelolaan arus kas yang efektif. Laporan keuangan UMKM menjadi instrumen penting dalam pengambilan keputusan finansial. Kesadaran dan pemahaman tentang manajemen keuangan, penyusunan laporan keuangan yang akurat, dan pengendalian keuangan yang efektif adalah faktor kunci dalam mencapai kesuksesan bisnis bagi pelaku UMKM. Dengan menerapkan praktik-praktik terbaik dalam pengelolaan keuangan, UMKM dapat meningkatkan kinerja keuangan mereka, mengurangi risiko keuangan, dan memastikan kelangsungan operasional bisnis mereka dalam jangka panjang. Dengan menerapkan praktik terbaik, UMKM dapat meningkatkan kinerja keuangan, mengurangi risiko, dan memastikan kelangsungan bisnis jangka panjang.
Pelatihan Pengembangan Usaha Kreatif Berbasis Kuliner Lokal Di Kota Lhokseumawe Ristati; Akhyar, Chairil; Marzuki; Mursidah; Zulham
SABAJAYA Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 05 (2024): SABAJAYA : Jurnal Pengabdian Kepada Masyarakat
Publisher : SABA JAYA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59561/sabajaya.v2i05.431

Abstract

Indonesia, dengan populasi besar dan kekayaan budaya kulinernya, memiliki potensi signifikan dalam sektor ekonomi kreatif, khususnya dalam subsektor kuliner. Artikel ini membahas program pengabdian masyarakat yang dilaksanakan di kota Lhokseumawe, bertujuan untuk meningkatkan pemahaman dan kemampuan pelaku usaha dalam pengelolaan wisata kuliner. Program ini mencakup pelatihan dan sosialisasi dalam tiga tahap: sektor produksi, manajemen, dan pemasaran. Tahap pertama fokus pada pengolahan roti canai, tahap kedua pada tata kelola kampung wisata kuliner dan kewirausahaan, serta tahap ketiga pada strategi pemasaran melalui media sosial. Hasil program menunjukkan bahwa inovasi produk seperti roti canai beku dan olahan baru dapat meningkatkan daya tarik pasar. Evaluasi menunjukkan bahwa pelatihan dan pendampingan efektif dalam memperbaiki operasional dan pemasaran, meningkatkan produktivitas, serta memperluas jangkauan pasar. Penambahan pemahaman mengenai tata kelola, sapta pesona, perencanaan fasilitas, dan strategi pemasaran diharapkan memperkuat roti canai di Kota Lhokseumawe sebagai destinasi wisata kuliner dan mendorong pertumbuhan ekonomi lokal.
The Effectiveness of Quillbot's Grammar Checker on Students’ Writing Skills Altalarik, Agel; Misrita; Ristati
PROJECT (Professional Journal of English Education) Vol. 8 No. 2 (2025): VOLUME 8 NUMBER 2, MARCH 2025
Publisher : IKIP Siliwangi

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Abstract

The research aims to investigate the effect of QuillBot’s grammar checker on students’ writing skills of descriptive text at SMAN 1 Palangka Raya. The motivation to conduct this research is to explore the effectiveness of the QuillBot’s grammar checker at SMAN 1 Palangka Raya, especially in enhancing students’ writing skills in writing descriptive text. The research employed quantitative research with true experimental randomization subject post-test only control group design. The subject of the research were 44 students of X-I as the experimental group and 44 students of X-J as the control group at SMAN 1 Palangka Raya. The data of the research contains the scores of students writing test in writing descriptive text that collected during both post-test in the control and experimental groups. The result showed the mean score of 74.07 in control group and 82.61 in experimental group in the passing grade of 75.00, indicating a better achievement in the experimental group which applied the QuillBot’s grammar checker. The result of hypothesis showed sig. (2-tailed) of 0.000 which lower than probability value of 0.05, indicating Ho is rejected, or Ha is accepted. This implies that there is an effect of using the “QuillBot’s grammar checker” on students’ achievement in writing descriptive text by the tenth-grade students at SMAN 1 Palangka Raya.
Pelatihan Pembiayaan Berkelanjutan (Sustainable Finance) untuk Mendorong Pertumbuhan Ekonomi Hijau di Kalangan UMKM Ristati; Zulham; Akhyar, Chairil; Mardhiah, Ainol; Rahmaniar
SABAJAYA Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 02 (2025): SABAJAYA : Jurnal Pengabdian Kepada Masyarakat
Publisher : SABA JAYA PUBLISHER

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Abstract

Pelatihan "Pembiayaan Berkelanjutan untuk Mendorong Pertumbuhan Ekonomi Hijau di Kalangan UMKM" bertujuan untuk meningkatkan pemahaman dan penerapan prinsip-prinsip keuangan berkelanjutan dalam sektor usaha mikro, kecil, dan menengah (UMKM) di Indonesia. Pelatihan ini menggunakan metode kuantitatif dengan desain eksperimen yang melibatkan 60 peserta dari berbagai UMKM. Peserta dibagi menjadi dua kelompok: kelompok eksperimen yang mengikuti pelatihan dan kelompok kontrol yang tidak menerima pelatihan. Data dikumpulkan melalui kuesioner sebelum dan setelah pelatihan untuk mengukur perubahan pengetahuan dan sikap peserta terhadap keuangan berkelanjutan. Hasil dari pelatihan menunjukkan peningkatan signifikan dalam pemahaman peserta mengenai pentingnya keberlanjutan dalam pengelolaan keuangan, serta peningkatan pengetahuan tentang akses ke sumber pembiayaan hijau. Pelatihan ini juga berhasil meningkatkan kapasitas manajerial dan keterampilan peserta, yang esensial untuk penerapan praktik bisnis berkelanjutan. Selain itu, pelatihan menciptakan jejaring antar peserta yang memperkuat kolaborasi di antara UMKM.
Pengaruh Akses Modal, Literasi Keuangan, Dan Financial Technology (Fintech) Terhadap Kinerja Keuangan Umkm Binaan Pnm Mekaar Cabang Lhoksukon Nofianti Nofianti; Ristati Ristati; Darmawati Darmawati; Muttaqin Muttaqin
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 3 (2025): JUNI-JULI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh akses modal, literasi keuangan, dan financial technology terhadap kinerja keuangan UMKM binaan PNM Mekaar Cabang Lhoksukon. Variabel modal diukur melalui kepemilikan modal awal, akses terhadap pembiayaan, dan pengelolaan modal usaha. Literasi keuangan diukur berdasarkan pemahaman pelaku UMKM mengenai manajemen keuangan, perencanaan keuangan, dan pengambilan keputusan keuangan. Sementara itu, financial technology diukur dari kemudahan akses terhadap layanan keuangan digital, penggunaan aplikasi keuangan, dan efisiensi transaksi berbasis teknologi. Kinerja keuangan UMKM sebagai variabel dependen diukur menggunakan indikator kemampuan menghasilkan laba, efisiensi aset, stabilitas keuangan, dan peningkatan omset, yang mencerminkan kemampuan usaha dalam memanfaatkan aset untuk menghasilkan keuntungan. Penelitian ini menggunakan data primer yang diperoleh melalui penyebaran kuesioner kepada 100 pelaku UMKM binaan PNM Mekaar Cabang Lhoksukon. Teknik analisis data menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS versi 30. Hasil penelitian menunjukkan bahwa modal, literasi keuangan, dan financial technology berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM binaan PNM Mekaar Cabang Lhoksukon.
USE OF ENVIRONMENTALLY FRIENDLY FISHING GEAR FOR SUSTAINABLE TRADITIONAL FISHERMEN'S INCOME Faisal Matriadi; Saifuddin; Mariyudi; Ikramuddin; Em Yusuf Iis; A Hadi Arifin; Chalirafi; Ristati; Wahyuddin Albra
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 2 (2024): July-October 2024
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i2.1980

Abstract

Poverty is a fundamental problem that still surrounds some of the people of Ulee Jalan Village, Banda Sakti District, Lhokseumawe City. Poverty is a condition of lack of income that causes a low quality of life. Based on existing data, poverty has also caused worrying juvenile delinquency behavior and parenting patterns that are not as expected. Another finding in Ulee Jalan Village is that there is a significant number of stunted babies, reaching 21 people in 2023. Based on the initial needs assessment from the interview results, there is a problem that many people still have low incomes and are economically powerless and they do not understand how to get out of poverty by using MSMEs, then the role of the family as the first educational institution has not been fully obtained by some teenagers in Ulee Jalan Village. The influence of inappropriate parenting patterns forms bad character in teenagers, as well as adolescent social patterns that are not controlled by parents. The emergence of criminal cases with children and adolescents as subjects or objects does require special study. This concern needs to be investigated, what is actually the background of the problem, how is its dynamics and what efforts can be used as a solution and anticipation so that the problem does not spread. Furthermore, poor understanding of nutrition and minimal income have an impact on the high rate of stunting, one of the causes of which is poverty. The specific objectives are: 1) Providing information related to innovation and creativity that can be done to increase income so that MSME actors can increase their business productivity, 2) Providing assistance and empowerment of MSME actors in business development, and 3) Providing an understanding to mothers and young women about the importance of the role of parents in educating children and creating a happy family to support the formation of quality adolescent characters, 4) Providing an understanding of the causes of stunting in infants and how to overcome it, especially strategies for providing sufficient nutritional intake for infants from infancy to the first 1000 days of life. The location of community service is determined at Ulee Jalan, Banda Sakti District, Lhokseumawe City. This is because the location of this area is an area that has problems related to adolescent rights, so it is hoped that this service can provide a direct contribution to solving problems faced by poor communities and MSME actors and also solving juvenile delinquency and stunting issues. This training activity was carried out for two days on Saturday-Sunday, August 24-25, 2024 starting from 08.00 am to 18.00 pm or for 18 effective hours. The method used is Collaborative Decision Making: Community-Based Methods with the SARAR approach. This participatory approach is specifically intended for training local trainers/facilitators, building local knowledge and strengthening local capacity to assess, prioritize, plan, create,organize, and evaluate. Workshops and mentoring to increase understanding of the importance of the role of the family in the formation and development of the character of adolescents and parents and efforts to reduce stunting. The fundamental contribution to a field of science is to contribute to the development of science, especially by enriching the treasury of theories and concepts as well as models for Empowering MSME Actors and parenting patterns that reduce juvenile delinquency and significantly reduce stunting rates.
Co-Authors A Hadi Arifin Achmad Zahrudin Ade Muana Husniati Ainol Mardhiah Akhyar, Chairil Alfiana Alfiana Alfiana Alisa Adelena Altalarik, Agel Andi Amri Bahri, Halida Bustami Bustami Chairil Ahyar Chairul Azman Chairul Azman Chalirafi, Chalirafi Chetty Tristantia Tarigan Chiril Akhyar Chiril Akhyar Cut Kamal Syafaqah Cut Zahrani Dellis Pratika, Dellis Dellusiani Dellusiani EM Yusuf Iis Emmy Hamidah Eni Rakhmawati Fajar, M. Syahrial Fauzi, Iwan Fitri Almuka Rahmah Ghazali Syamni Ghazali Syamni Husaini Husaini Husaini, Husaini Husaini I Nengah Sudipa I NYOMAN SUPARWA Ikramuddin, Ikramuddin Jummaini Khairina AR. Lesly Martha Cecylia Meka Lianti Lianti Listiana Sri Mulastih Listiana Sri Mulatsih Lusi Afriliana M. Raja Rafli M. Raja Rafli Maria Arina Luardini Mariyudi Marzuki Marzuki Marzuki Marzuki Marzuki Matriadi, Faisal Misrita Muhamad Risal Tawil Muhammad Fikri Akbar Muhammad Fikri Akbar Muhammad Hafidz Akbar Mursidah Mursidah Muttaqien Muttaqien Muttaqien Muttaqien Muttaqin Muttaqin Nadiatun Nisa Ni Made Dhanawaty Nofianti Nofianti Novaldi Yudistira Nurainun Nurainun Nuralima Siregar Nurjanna Ladjin Nurlela Nurlela Nurlela Nurlela Nurlela Nurlela Nurlela, Nurlela Oki Dwipurwani Ola Liana ZK Putri, Lidia Syah Rahmaniar Raihan Cahaya Raisa Salsabila Rara Hayu Clarissa Rati Pratiwi Reja Azwani Restu Widyo Sasongko Rico Nur Ilham Rieneke Ryke Kalalo Risa Novia Risa Novia Riska Yanti Riska Yanti Rogas, Yasin Ali Saifuddin Salvador, Jude Anne P. Sean Michael Owen Wijaya Siti Zahara Siti Zahara Sri Rizky Sri Rizky Sri Wahyuni Sri Wahyuni Sultan Fadlullah Nuri Sultan Fadlullah Nuri Sultan Muarif Sumi Amelya Harahap Sutriani Syamsul Bahri Syifa Azzahra Syifa Azzahra T. Hafifah Poetry Zulmi Ulya Alfajri Ulya Alfajri Wahyuddin Albra Wardhiah Wardhiah Wardhiah Wardhiah, Wardhiah Wardhiah, Wardhiah Wardhiah Wardiah Wardiah Wendy Wendy Yanita Yoskapela Yoskapela Yurianti, Ridha Alifa Yusniar Yusniar Yuyun Wahyuni Yuyun Wahyuni Zuhra Zuhra Zulfan Zulfan Zulham Zulham