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Edukasi Literasi Keuangan Pada Pengurus Ranting 'Aisyiyah Ngasem Kecamatan Colomadu Erikawati, Civi; Aini Intan Muktiana, Nurul; Via Febrianti, Nur
Jurnal Pengabdian Masyarakat Nusantara (JPMN) Vol. 4 No. 2 (2024): Agustus 2024 - Januari 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v4i2.2994

The aim of this Community Service is to provide education and understanding to the administrator of Aisyiyah Ranting Ngasem, Colomadu about the importance of financial literacy. The method we use is to provide education to the public in the hope of providing awareness, understanding and being able to apply financial literacy in everyday life. In carrying out this community service, the event ran smoothly, participants listened enthusiastically, actively asked questions and discussed. Of the total 50 participants, 50% understood the material that had been presented. The hope from the results of this activity is that participants will be able to understand financial literacy and apply it by implementing the importance of investment as a solution when inflation occurs. The next program for community service is education regarding financial literacy by implementing the National Cashless Movement (GNNT) as planned by the government.

Community Intentions In Non-Cash Payments Uswatun Khasanah, Aulia; Wisnu Utomo, Chandra; Erikawati, Civi; Danuri, Azis; Aulia Insani, Kharisma
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 1 (2024): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i1.20276

Bank Indonesia has launched the National Cashless Movement (GNNT). In practice, non-cash transactions cannot be applied optimally in society. Various factors influence the intention to use non-cash payments in society. This research aims to determine the intention to use non-cash payments as a means of payment. This research uses data collection techniques in the form of surveys by distributing questionnaires online. The respondents of this research were 164 e-money users from various regions in Indonesia. The Unified Theory of Acceptance and Use of Technology (UTAUT2) is the approach taken. This research uses the PLS-SEM model. The research results show that hedonic motivation is vital in encouraging people to make non-cash payments.

Perbandingan Kinerja Keuangan Antara Bank Konvensional dengan Syariah yang Terdaftar di Bursa Efek Indonesia pada Tahun 2020-2023 Dwi Kharisma Wati; Civi Erikawati
Pajak dan Manajemen Keuangan Vol. 1 No. 4 (2024): Agustus : Pajak dan Manajemen Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pajamkeu.v1i4.436

Background: The emergence of Islamic banks will definitely increase competition in the banking market. Many factors influence banking growth in Indonesia. The current condition has two main threats that must be considered because they can show the weakness of global banking: the weakening of the commercial property market and the connection of banks with non-bank financial institutions. Method: This study uses descriptive statistics, normality test, and independent sample T test. Results: Conventional and sharia banks do not have significant differences in financial performance, according to the Return On Assets (ROA), Capital Adequacy Ratio (CAR) indicators. On the other hand, the Return On Equity (ROE), Loan to Deposit Ratio (LDR), and Operating Costs Operating Income (BOPO) indicators show that there is no significant difference in financial performance between conventional and sharia banks. Conclusion: Islamic banks show better performance than conventional banks in terms of Return On Assets (ROA), Capital Adequacy Ratio (CAR) and BOPO. These ratio values have higher values. However, conventional banks show better performance in Return On Equity (ROE) and Loan to deposit ratio (LDR) with better average ROE and LDR values.

Pemahaman Literasi Keuangan Digital Dalam Mencegah Pinjaman Online Ilegal Pada Pengurus Ranting ‘Aisyiyah Ngasem Amalina, Nur; Erikawati, Civi; Muhammad Roffifudin, Farid; Galuh Ani Sekar Arum, Aulia; Natalia Miyanti, Sapta
Jurnal Pengabdian Masyarakat Nusantara (JPMN) Vol. 4 No. 1 (2024): Februari-Juli 2024
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v4i1.2813

Financial Technology is financial technology developed for purposes in the financial sector. One type of Financial Technology is Peer-to-Peer (P2P) Lending, which is an information technology-based lending service. Technological innovation has brought a more practical financial transaction process, one of which is applied to online loans. From 2017 to 2023, as many as 7,502 illegal online lending entities were closed by the OJK. This has also led to many cases of public complaints regarding online loans, which are caused by a lack of digital financial literacy among the public. To reduce these cases, the author provides a solution that requires an increasing understanding of digital financial literacy, especially illegal online loans, in society. The aim of this Community Service (PkM) activity is to understand digital financial literacy in the community. The target of this activity is the women of the 'Aisyiyah Ngasem Branch Management, Colomadu District, Karanganyar. The method used is socialization, where the team not only delivers material but also involves a question-and-answer session with the participants. As a result of this service, out of 45 participants, 25 participants had heard the term pinjol, and 20 participants were for the first time. With this outreach, all participants know and understand what online loans are and how to avoid illegal online loans. This service activity lasts for 150 minutes, from opening to closing. The socialization process went smoothly and received good feedback from participants, marked by the participants' high enthusiasm in asking questions about digital financial literacy and online loans.

Edukasi Literasi Keuangan Pada Pengurus Ranting 'Aisyiyah Ngasem Kecamatan Colomadu Erikawati, Civi; Aini Intan Muktiana, Nurul; Via Febrianti, Nur
Jurnal Pengabdian Masyarakat Nusantara (JPMN) Vol. 4 No. 2 (2024): Agustus 2024 - Januari 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v4i2.2994

The aim of this Community Service is to provide education and understanding to the administrator of Aisyiyah Ranting Ngasem, Colomadu about the importance of financial literacy. The method we use is to provide education to the public in the hope of providing awareness, understanding and being able to apply financial literacy in everyday life. In carrying out this community service, the event ran smoothly, participants listened enthusiastically, actively asked questions and discussed. Of the total 50 participants, 50% understood the material that had been presented. The hope from the results of this activity is that participants will be able to understand financial literacy and apply it by implementing the importance of investment as a solution when inflation occurs. The next program for community service is education regarding financial literacy by implementing the National Cashless Movement (GNNT) as planned by the government.

Optimalisasi digital marketing bagi UMKM: Pelatihan digital marketing dan strategi konten di sosial media Setiyawan, Ayuk; Erikawati, Civi; Mumtaz, Lutfiyah; Susilowati, Eny
Penamas: Journal of Community Service Vol. 5 No. 3 (2025): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v5i3.2158

This community service activity aims to enhance the knowledge and skills of members of the 'Aisyiyah Entrepreneurship School (SWA) in Karanganyar in digital marketing and social media content strategy. The program was motivated by the low level of digital literacy and limited use of digital platforms among MSME actors. The method employed was structured training, comprising lectures, discussions, and hands-on practice, as well as registering as affiliates on e-commerce platforms. The participants included 30 SWA members who are actively engaged in micro-businesses. The results showed a significant improvement in participants' understanding and involvement in applying digital marketing strategies, as well as utilizing social media and affiliate tools for product promotion. The enthusiasm was reflected in the high participation during both the discussion and practical sessions. This activity made a positive contribution by promoting digital transformation among local MSMEs and increasing their competitiveness in the digital economy era.

THE ROLE OF WOMEN ENTREPRENEURSHIP IN THE HOUSEHOLD ECONOMY REVIEWED FROM AN ISLAMIC ECONOMIC PERSPECTIVE Nugroho, Mahfud; Erikawati, Civi
Jurnal Manajemen Dayasaing Vol 25, No 2 (2023): Jurnal Manajemen Dayasaing
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/dayasaing.v25i2.23500

Women entrepreneurs play an important role in helping stabilize the economy. Women's orientation to become an entrepreneur is influenced by goals, motives, women's identity and individual characteristics. The realization of women's empowerment and gender equality is one of the priority targets of the Sustainable Development Goals (SDGs). Female entrepreneurs are still considered physically and mentally weak, considered more emotional and less able to balance household work with their business activities. The aim of this research is to analyze the rights and obligations of women who work as businesspeople in terms of gender equality based on a sharia economic perspective. This research analyzes various library sources, both primary sources such as the Al-Quran and Al Hadith as well as library sources from contemporary Islamic figures. The research results show that Islam does not prohibit women from carrying out activities outside the home. Doing good deeds, both men and women who believe in Allah and His Messenger will be rewarded with happiness in this world and the hereafter. Women may carry out activities outside the home but do not abandon their obligations as a wife and mother.

Community Intentions In Non-Cash Payments Uswatun Khasanah, Aulia; Wisnu Utomo, Chandra; Erikawati, Civi; Danuri, Azis; Aulia Insani, Kharisma
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 1 (2024): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i1.20276

Bank Indonesia has launched the National Cashless Movement (GNNT). In practice, non-cash transactions cannot be applied optimally in society. Various factors influence the intention to use non-cash payments in society. This research aims to determine the intention to use non-cash payments as a means of payment. This research uses data collection techniques in the form of surveys by distributing questionnaires online. The respondents of this research were 164 e-money users from various regions in Indonesia. The Unified Theory of Acceptance and Use of Technology (UTAUT2) is the approach taken. This research uses the PLS-SEM model. The research results show that hedonic motivation is vital in encouraging people to make non-cash payments.

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