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Agus Suherman
Departemen Perikanan Tangkap, Fakultas Perikanan Dan Ilmu Kelautan, Universitas Diponegoro Jl. Prof. Sudarto, SH, Tembalang, Semarang, Jawa Tengah – 50275, Telp/Fax. +6224 7474698
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Integrating Financial Literacy and Business Planning in Higher Education: Evidence from PKM-Based Learning Programs Sentosa, Bambang Mardi; Suherman, Agus; Firdaus, M. Yus; Rianto, Joko; Kurniawan, Andri; Putri, Walla Astianty; Novitri, Bella Suci; Murodi, Ahmad; Muhtadi, TB. Yudi
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2235

Abstract

The integration of financial literacy and business planning skills in higher education is essential to prepare students for the challenges of the modern economic landscape. This study examines the effectiveness of incorporating financial literacy concepts into business planning through the implementation of Programs to the Community (PKM)-based learning. Employing a mixed-methods approach, quantitative data were collected through pre- and post-tests measuring students’ knowledge and skills, while qualitative insights were obtained from focus group discussions and reflective journals. The participants consisted of 20 undergraduate students from various disciplines in Indonesian universities, engaged in PKM projects over one academic semester. Findings indicate a significant improvement in students’ ability to develop comprehensive business plans, manage budgets, and evaluate financial feasibility, with an average knowledge increase of 28% compared to baseline. Qualitative data reveal that PKM-based learning fosters critical thinking, collaboration, and entrepreneurial mindset, while contextualizing theoretical knowledge into practical applications. The study concludes that integrating financial literacy into PKM-oriented business planning courses provides a holistic and experiential learning model, contributing to students’ readiness for professional and entrepreneurial endeavors. These results highlight the potential for scalable implementation of PKM-based curricula in higher education to strengthen economic empowerment and innovation capacity among graduates.
Co-Authors Abdul Khohar Abdul Kohar Abdul Kohar M Abdul Kohar M. Abdul Kohar Mudzakir Abdul Kohar Muzakir Abdul Rosyid Abdul Rosyiod Adhyaksa Dault Adhyaksa Dault Adhyaksa Dault Adhyaksa Dault Agus Sutisna, Agus Aldise Kresna Dewi Tutianvia ANDRI KURNIAWAN Aprilianti, Baby Novega Ardoni Ardoni Arminarahmah, Nur Bambang Mardi Sentosa Bogi Budi Jayanto Bogi Budi Jayanto Budhi Hascaryo Iskandar Cicik Setia Ningsih Dian Wijayanto Djodie Rizky Prima Dyah Rahayu Ningtyas Emil Yahya Faik Kurohman Firdaus, M. Yus Hendrik Anggi Setiawan Hernuryadin, Yayan Herry Boesono Herry Boesono Hesa Karunia Fitri Imam Triarso Imam Triarso Indradi Setiyanto Inoe, Hiromu Intan Rosari Manalu Juliwandina, Innasa Khusaini, Khusaini Kukuh Eko Prihantoko Leonita, Leonita Lintang, Dona Machrunnisa, Machrunnisa Mahrus Mahrus, Mahrus Martini Martini Mas A Santosa Mohammad Imron Much Arif Much Arif Wijayanto Muchtadi, Achmad Muhamad Fathikul Umam Muhammad Irham Khoirul Jauhari Muhtadi, Tb. Yudi Mulyono S. Baskoro Murodi, Ahmad musyafak Musyafak Noegroho, Tegoeh Novitri, Bella Suci Nugroho, Kun Budi Patadungan, Widiarso Pri Utami Prihantoko, Kukuh Eko Puji Hastuti Pujiyanto Pujiyanto Putri, Walla Astianty Rahmad Dharmawan Rahmadi Sunoko Rianto, Joko Riris Amaylia Putri Rizki Wahyuni Batubara Sarip Hidayat, Sarip Setyorini Setyorini Sholih Sholih, Sholih Siti Annisa Dwi Setiani Nurfadillah Sony Harbintoro, Sony Stephanie Juwana Suherman, Suherman Sundusiah, Siti Temmy Widyastuti Tri Wiji Nurani Tutianvia, Aldise Kresna Dewi Viani, Okta Yayat Sudaryat Yudi Firmansyah Yuniar, Dimas Rizki Yusuf, Yusmedi