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Pengaruh Literasi Keuangan, Financial Tekhnologi Dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan Rosa Norita; Mahirun
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol. 6 No. 2 (2025): JULI
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v6i2.13516

Abstract

This study aims to test and analyze the influence of financial literacy, financial technology and lifestyle on financial management behavior. The population in this study is KSPPS BMT Bahtera employees, and sampling is done using purposive sampling techniques. A sample of 100 employees was obtained. To test the influence of the indepent variable on the independent variable, multiple linear regression analysis was used in the SPSS program. The test results found that Financial Literacy had a positive and significant effect on financial management behavior, while lifestyle had a negative and significant effect on financial management behavior. The variable that does not affect financial management behavior is financial technology.
Analisis Komprehensif Rasio Keuangan Pemerintah Daerah Dalam Menilai Stabilitas Fiskal Dan Struktur Pembiayaan: Studi Kasus Kota Pekalongan aulia nailufar; Mahirun Mahirun
JURNAL LITBANG KOTA PEKALONGAN Vol. 24 No. 1 (2026)
Publisher : Badan Perencana Pembangunan, Riset dan Inovasi Kota Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54911/litbang.v24i1.1164

Abstract

This study aims to analyze the financial performance of the Pekalongan City Government during the 2019–2024 period using regional financial ratio analysis. The ratios examined include financial independence, fiscal decentralization, local revenue (PAD) effectiveness, regional financial efficiency, expenditure harmony, revenue growth, and solvency ratios, including the debt to equity ratio (DER). The research method employed is descriptive quantitative, using a documentation study approach based on secondary data from the Budget Realization Report (LRA) and the regional government balance sheet. The findings indicate that the city demonstrates a high level of PAD effectiveness and maintains financial efficiency, although the allocation remains dominated by operational expenditures over capital expenditures. The financial independence and fiscal decentralization ratios are still relatively low, indicating dependence on central government transfers. Nevertheless, the financial structure shows significant improvement, as reflected in the declining solvency and DER ratios. This research provides a comprehensive overview of the fiscal stability and financial structure of the Pekalongan City Government and offers policy recommendations for more autonomous and sustainable regional financial management
Penguatan Kompetensi Aparatur DPMPTSP Kota Pekalongan Dalam Penyusunan Dokumen Investasi Melalui Program Pendampingan Mahirun Mahirun; Dina Amalia Mahmudah; Didha Putri Citrandika; Anggrainy Putri Ayuningrum; Dewi Yuniar Magetana
AMANAH MENGABDI Vol. 3 No. 1 (2026): AMANAH MENGABDI
Publisher : YAYASAN PENDIDIKAN MULIA BUANA (YPMB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70451/pkm.v3i1.870

Abstract

Promosi investasi daerah memerlukan dokumen investasi yang sistematis, informatif, dan mampu menggambarkan potensi proyek sesuai kebutuhan calon investor. Namun, aparatur Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu (DPMPTSP) Kota Pekalongan masih menghadapi kendala dalam penyusunan dokumen investasi yang memenuhi standar penyajian informasi sebagai persiapan mengikuti Investment Challenge. Kegiatan pengabdian ini bertujuan meningkatkan kompetensi aparatur dalam menyusun dokumen investasi melalui program pendampingan. Metode yang digunakan meliputi pelatihan partisipatif, pendampingan, praktik penyusunan dokumen, serta evaluasi melalui observasi dan diskusi reflektif. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan dan keterampilan peserta dalam menyusun profil proyek, abstrak proyek investasi, analisis teknis dan finansial, serta strategi penyajian informasi investasi secara lebih sistematis dan komunikatif. Luaran kegiatan berupa dokumen investasi yang lebih siap digunakan sebagai media promosi investasi daerah dan sebagai bagian dari persiapan mengikuti Investment Challenge. Kebaruan kegiatan ini terletak pada model pendampingan yang mengintegrasikan pelatihan berbasis praktik dengan penyusunan dokumen investasi sesuai kebutuhan promosi investasi daerah.