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All Journal Journal of Economic, Bussines and Accounting (COSTING) at-tamkin: Jurnal Pengabdian kepada Masyarakat INVENTORY: JURNAL AKUNTANSI Jurnal Riset Inspirasi Manajemen dan Kewirausahaan Jurnal Ekuivalensi Jurnal Pengabdian Masyarakat Asia BAKTI BANUA : JURNAL PENGABDIAN KEPADA MASYARAKAT Indonesian Community Journal JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Tepis Wiring : Jurnal Pengabdian Masyarakat Journal Islamic Business and Entrepreneurship / JIBE SENTRI: Jurnal Riset Ilmiah Abdi Cendekia: Jurnal Pengabdian Masyarakat CONSEN: Indonesian Journal of Community Services and Engagement Jurnal Mutiara Ilmu Akuntansi Jurnal Pengabdian kepada Masyarakat Jurnal Riset Manajemen dan Ekonomi Pusat Publikasi Ilmu Manajemen Jurnal Edukasi Pengabdian Masyarakat: EDUABDIMAS
Rizqi Amaliyah, Angguliyah
Universitas Islam Raden Rahmat Malang
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other

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MENUJU KEMAKMURAN KEUANGAN BERKELANJUTAN : MODEL PERILAKU EKONOMI KREATIF RUMAH TANGGA MELALUI KERAJINAN BUKET Amaliyah, Angguliyah Rizqi; Rezti, Rezti
Bakti Banua : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2025): BAKTI BANUA: JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35130/gyypgf09

Abstract

Model perilaku ekonomi dalam inklusi dari berbagai kelompok sosial, budaya, dan etnis pada kegiatan sosial dan ekonomi merupakan kunci untuk mencapai kemakmuran ekonomi yang berkelanjutan. Mendorong distribusi kesempatan yang adil dan merata di antara masyarakat lokal guna mewujudkan kemakmuran ekonomi yang berkelanjutan. Pengabdian pada masyarakat ini melalui kajian ekonomi dan pendampingan kreatifitas kerajinan buket berperan dalam mendorong kesejahteraan ekonomi yang berkelanjutan bagi masyarakat Desa Ngasem. Meskipun dihadapkan pada berbagai tantangan, sektor kerajinan tangan skala kecil memiliki potensi yang besar dalam bidang ekonomi, sosial, dan budaya. Kendati demikian, masih terdapat sejumlah kelemahan yang cukup serius, seperti penggunaan teknik yang sudah usang, serta menurunnya minat di kalangan ibu rumah tangga. Di sisi lain, terdapat peluang yang menjanjikan, antara lain meningkatnya permintaan terhadap produk alami dan buatan tangan, dukungan kebijakan pemerintah terkait. Namun demikian, peluang tersebut juga dihadapkan pada sejumlah ancaman, seperti meningkatnya biaya bahan baku, peran perantara yang mengurangi margin keuntungan pengrajin, fluktuasi permintaan musiman, serta persaingan dengan produk industri alternatif yang lebih murah. Kerajinan tangan buket hasil kreatifitas Ibu rumah tangga Ngasem bertujuan untuk meningkatkan kemakmuran keuangan berkelanjutan. Dibutuhkan peran Pemerintah untuk menetapkan kebijakan pengembangan yang mencakup berbagai aspek yang memerlukan dukungan, seperti pendidikan dan pelatihan, pemasaran, penyediaan bahan baku, akses pembiayaan, serta peluang kerja sama dengan sektor ekonomi lainnya.
Hubungan antara Literasi Keuangan Terhadap Keputusan Investasi yang Berkelanjutan bagi Usaha Mikro : Peran Kemampuan Keuangan Digital dalam Memoderasi Amaliyah, Angguliyah Rizqi; Rezti, Rezti
Jurnal Riset Inspirasi Manajemen dan Kewirausahaan Vol. 9 No. 1 (2025): Jurnal Riset Inspirasi Manajemen dan Kewirausahaan
Publisher : Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35130/43zgeg86

Abstract

Studi ini menawarkan empiris tentang hubungan antara literasi keuangan terhadap keputusan investasi yang berkelanjutan bagi usaha mikro melalui peran kemampuan keuangan digital sebagai variabel moderasinya. Data dikumpulkan melalui kuesioner terstruktur dari 100 responden individu pemilik usaha mikro di wilayah jawa timur di tahun 2025. Studi ini menggunakan path analisis untuk menguji hipotesis. Temuan penelitian menunjukkan adanya hubungan literasi keuangan terhadap keputusan investasi dengan hasil pengaruh yang signifikan. Selain itu,digital keuangan memiliki pengaruh terhadap pengambilan keputusan investasi. Keuangan digital memainkan peran moderasi yang berpengaruh signifikan dalam hubungan antara literasi keuangan dan keputusan investasi bagi perusahaan mikro di Jawa Timur.
A Analisis Implementasi Kebijakan PLUT dalam Pengembangan UMKM Muhammad roid, Muhammad roid; Habibur Rohman; Angguliyah Rizqi Amaliyah
Jurnal Mutiara Ilmu Akuntansi Vol. 3 No. 4 (2025): Oktober: Jurnal Mutiara Ilmu Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumia.v3i4.4146

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia’s economy by contributing significantly to GDP and absorbing a large share of the workforce. However, MSMEs continue to face major challenges, including limited business legality, low human resource (HR) capacity, and difficulties in obtaining halal certification. To address these issues, the government established the Integrated Business Service Center (PLUT) as a consultation, assistance, and facilitation hub for MSME development. This study aims to analyze the implementation of the PLUT policy in supporting MSMEs, focusing on the issuance of Business Identification Numbers (NIB), capacity building for human resources, and facilitation of halal certification. A qualitative descriptive method was employed, with data collected through observations, in-depth interviews, and documentation. Data were analyzed using Miles & Huberman’s interactive model and Edwards III’s framework, which emphasizes communication, resources, disposition, and bureaucratic structure. The findings reveal that PLUT plays a crucial role in helping MSMEs secure business legality, providing training and managerial assistance, and supporting the halal certification process. Nevertheless, challenges remain, such as the limited number of consultants, bureaucratic complexity, and unequal access to digital infrastructure, which hinder the overall effectiveness of the services. The implications of this study highlight the need to strengthen PLUT’s capacity by recruiting more professional consultants, digitalizing services, and integrating with the OSS and BPJPH systems. These steps are expected to enhance the effectiveness and sustainability of PLUT’s implementation, thereby improving the competitiveness of MSMEs in the era of digital transformation.
Analisis Laju Pertumbuhan dan Efektivitas Penerimaan Retribusi Pengujian Kendaraan Bermotor pada Dinas Perhubungan Kabupaten Malang Rizkya Noviana Romadhona; R.M Mahrus Alie; Angguliyah Rizqi Amaliyah
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 3 No. 3 (2025): Juli : JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime.v3i3.3284

Abstract

This study aims to analyze the growth rate and effectiveness of motor vehicle testing levy revenues at the Malang Regency Transportation Agency during the period 2020 to 2024. The approach used is quantitative descriptive with data collection techniques in the form of secondary documentation and direct interviews with related parties. The results of the study show that the average growth rate of levy revenues reached 6.83%, which is included in the positive growth category and is classified as "prime" and "developing" based on the regional levy potential matrix. This finding indicates that the motor vehicle testing levy sector is one of the important pillars in supporting Regional Original Income (PAD). However, the effectiveness of its receipts has fluctuated quite significantly, especially in 2023 and 2024 which only recorded an effectiveness of 22%. This sharp decline indicates an imbalance between the targets set and the realization of achievements in the field. Factors such as inaccurate target estimates, regulatory changes, and decreased activity after the pandemic can be the main causes. Therefore, policy evaluation and adjustment of planning strategies are needed so that levy revenues can continue to be increased sustainably and optimally.
Peran Dinas Koperasi dan Usaha Mikro Kabupaten Malang dalam Pemberdayaan Usaha Kecil dan Menengah (UKM) Merrisa Ulvasari; Angguliyah Rizqi Amaliyah
PPIMAN Pusat Publikasi Ilmu Manajemen Vol. 3 No. 4 (2025): Oktober : Pusat Publikasi Ilmu Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/ppiman.v3i4.1028

Abstract

Small and Medium Enterprises (SMEs) play a crucial role in driving economic growth at both local and regional levels, including in Malang Regency. Their presence not only creates new job opportunities but also stimulates the economic activities of local communities. Nevertheless, SME actors still face a number of significant challenges. These include limited capital, incomplete business legality, low managerial capacity, and restricted access to wider markets. Such conditions often hinder SMEs from optimizing their competitiveness. This research aims to examine the implementation of SME empowerment programs carried out by the Cooperative and Micro Business Office in Kepanjen, as well as to identify supporting and inhibiting factors. The study employed a descriptive qualitative approach, with data collected through in-depth interviews and documentation studies. The findings reveal that SME empowerment was implemented through various programs, such as training to enhance skills, continuous business mentoring, facilitation of access to financing through financial institutions, and product promotion via exhibitions and digital platforms. These programs have provided positive impacts by strengthening the capacity and visibility of SMEs in the region. The success of these programs is supported by the strong commitment of the local government, synergy among institutions, and active participation of SME actors. On the other hand, several obstacles remain, such as low digital literacy among entrepreneurs, difficulties in obtaining financing due to legal constraints, and complex bureaucratic processes. The results of this research emphasize that SME empowerment requires adaptive strategies, continuous mentoring, and proper program mapping in accordance with local conditions.
MANAJEMEN KEUANGAN USAHA MIKRO, KECIL DAN MENENGAH : PEMBANGUNAN PEDESAAN MELALUI PERAN BADAN USAHA MILIK DESA Amaliyah, Angguliyah Rizqi; Rezti, Rezti
Bakti Banua : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 2 (2025): Bakti Banua: Jurnal Pengabdian kepada Masyarakat
Publisher : Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35130/a4qeb235

Abstract

Pembangunan Desa melalui peran badan usaha milik desa (BUMDes) memiliki dampak potifi pada pengembangan usaha mikro kecil dan menengah. Melalui kegiatan pengabdian pada Desa Tempursari bersama pemilik usaha (UMKM) ini bertujuan untuk meningkatkan pemahaman masyarakat tentang manajemen keuangan, perencanaan anggaran, dan sumber pembiayaan melalui BUMDes dengan mengadakan pelatihan yang meliputi pengenalan manajemen keuangan, pembuatan rencana keuangan, dan pemahaman sumber pembiayaan, peserta diharapkan dapat mengatur  usaha mikro, kecil, dan menengah (UMKM) secara lebih efektif.  Pengabdian yang dilakukan dapat membantu Pemerintah Desa mengarahkan pemilik uasaha untuk mengidentifikasi strategi yang relevan dalam pengelolaan keuangan. Lebih penting lagi, bukti empiris menunjukkan bahwa pelatihan ini perlu dilakukan oleh guna mengintegrasikan, membangun, memodifikasi, dan menyusun kembali sistem pengendalian internal mereka demi mencapai pengelolaan keuangan yang efektif. Hasil kegiatan pengabdian menunjukkan peningkatan pengetahuan peserta mengenai praktik manajemen keuangan yang baik dan pemanfaatan BUMDes sebagai sumber pembiayaan. Capaian kegiatan diharapkan masyarakat dapat berkontribusi pada peningkatan kesejahteraan masyarakat desa dan pengembangan ekonomi lokal secara berkelanjutan dengan memanfaatkan BUMdes yang telah tersedia.
Socialization and Counseling of Sharia Cooperatives in Tulusayu Village on The Existence of Kanindo Syariah Cooperative Amaliyah, Angguliyah Rizqi; Mauludyah, Afiatul
Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v5i1.2010

Abstract

Purpose: The purpose of this study is to explore the role of Sharia Cooperatives, a part of Sharia Financial Institutions, in improving community welfare. These institutions operate on sharia principles, aiming to generate profits for both customers and financial institutions. The study focuses on the impact of these cooperatives on rural communities, such as Tulusayu Village in Wagir District, Malang Regency, who require funds to develop their economy. Method: The study employs socialization and counseling as methods to educate the people of Tulusayu Village about the characteristics, principles, economic goals, and products of Sharia Cooperatives. The focus is on the development of small micro businesses, particularly through the Kanindo Syariah JATIM Cooperative Wagir Branch. Practical Applications: The practical application of this study lies in its potential to provide the community with knowledge and understanding about the existence and benefits of Sharia Cooperatives. By participating in socialization and counseling activities, the community can learn how to leverage these cooperatives for economic development. Conclusion: The study concludes that the active participation of the community in these activities can significantly support the improvement of the economy in Tulusayu Village. The existence of Sharia Cooperatives, therefore, plays a crucial role in community development and welfare improvement.
Peran Koperasi Syariah Dalam Pembangunan Ekonomi Masyarakat Ardirejo Amaliyah, Angguliyah Rizqi
PRAXIS: Jurnal Pengabdian kepada Masyarakat Vol. 3 No. 1 (2024): PRAXIS September
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/praxis.v3i1.1137

Abstract

Cooperatives are an important role in driving the economy of the community to encourage economic growth. For this reason, this service aims to find out the results of the role of Islamic cooperatives in improving the economic aspects of the Ardirejo community. The method used is through a qualitative descriptive approach and educational studies. The results of the service activities show that Bumi Meranti Wangi Sharia Cooperative located in Ardirejo provides many benefits and opportunities for members in providing financial support through savings and loan activities. Educational studies that refer to the 2019 Subandi Cooperative Economics theory are matched with the results carried out at the Cooperative. So that the achievements of the service activities at this cooperative institution show that the Bumi Meranti Wangi Sharia Cooperative provides convenience for the community in conducting financing based on Islamic law by maintaining the quality of the services provided.
Strategi Memaksimumkan Laba Pada Umkm Central Mainan Anak Tradisional Amaliyah, Angguliyah Rizqi
PRAXIS: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2023): PRAXIS Desember
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/praxis.v2i2.789

Abstract

The implementation of community service activities aims to identify businesses engaged in the craft of traditional children's toys. This activity is useful for improving business understanding in financial management for micro business actors. The method used is to provide education to business owners through training and socialization in financial planning in order to obtain the maximum possible profit. The object of the service activity is one of the traditional children's toy handicraft businesses located in Kepanjen District. During the implementation of the service, we found problems in the field of financial management, namely strategies to increase profits that are still minimal. From these problems, the service team provided education on profit maximization strategies for these UMKM. This education includes the delivery of knowledge on strategies in maximizing profits, training in making financial reports. The results of this service activity are very beneficial for increasing income for UMKM and knowing the importance of strategies or how to calculate good and correct profits.
Capital Asset Pricing Model dan Arbitrage Pricing Theory Dalam Membentuk Portofolio Optimal Saham Perusahaan BUMN Bursa Efek Indonesia Teguh, Doni; Alfina, Fitriyah Tahta; Rizqi Amaliyah, Angguliyah
Jurnal Bisnis Islam dan Kewirausahaan Vol 2 No 1 (2023): Journal Islamic Business and Enterpreneurship
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jibe.v2i1.2514

Abstract

Penelitian ini bertujuan melakukan komparasi portofolio saham berbasis CAPM dan APT. Penelitian ini menerapkan metode deskriptif melalui pendekatan kuantitatif. Sampel yang digunakan adalah saham BUMN yang konsisten termasuk dalam indeks saham IDX BUMN20 periode pengamatan tahun 2018 - 2021. Hasil penelitian ini adalah nilai beta mempengaruhi expected return. Berdasarkan CAPM, expected return tertinggi ditunjukkan oleh saham ANTM ditunjukkan oleh saham BBTN yang memiliki nilai beta terendah. Berdasarkan APT, saham ANTM memiliki nilai beta faktor serta expected return tertinggi sedangkan, nilai beta faktor dan expected return terendah ditunjukkan oleh saham BBRI. Pembentukan portofolio dapat memperkecil risiko dan mengoptimalkan return investasi. Portofolio kombinasi lima sekuritas terbaik berdasarkan CAPM menghasilkan return sebesar 148% dengan risiko sebesar 6,09 yang mana risiko tersebut lebih kecil dari pada risiko investasi pada saham individual. Sedangkan portofolio yang terdiri dari kombinasi lima sekuritas terbaik berdasarkan model APT menghasilkan return portofolio sebesar 29% dengan risiko yang menyertainya sebesar 0,03, risiko tersebut juga lebih kecil dibandingkan risiko pada saham individual. Investor sebaiknya memperhatikan faktor-faktor yang mempengaruhi pergerakan saham, dalam hal ini adalah pergerakan pasar modal dan faktor makroekonomi. Pemodal risk averter disarankan mengimplementasikan model CAPM dan pemodal risk indifference sebaiknya menggunakan model APT dalam memprediksi saham
Co-Authors Abdul Ghofur Ade Onny Siagian Afrimda Nadhirotul Auliyah Ahmad Nur Budi Utama Ajeng Ainur Rochimah Alfina, Fitriyah Tahta Alie, R. M Mahrus Alie, R.M Mahrus Christianto, Reinardus Dwi Prio Doni Teguh Wibowo Elly Lestary Evi Fajriantina Lova Fitriani Miftahuljannah Habibur Rohman Hajar Trimalika ihan Khurniawati Imalluroseh, Imalluroseh Khoiriyah, Nailatul Lufi Miatul Mahardika Agustin, Clariza Masduhan Khoiri Mauludyah, Afiatul Mawar Mawar Merrisa Ulvasari Metta Kusumaningtyas Muhammad Farid Muhammad roid, Muhammad roid Musa, Rafida R. M Mahrus Alie R.M Mahrus Alie Rani Tsaniatun Naja Rezti, Rezti Rifki Deva Riske Yuan Vina Titasari Rizkya Noviana Romadhona Rofiqoh Firdausi Sasono, Heri Seftian Sinollah Syahrul Amin Al Rasyid Syahrul Amin Al Rasyid Syahrul Majid Teguh, Doni Vivin Tri Kurniasari Wahyudi, Eko Yusuf Yenie Eva Damayanti Yuvensius Sri Susilo