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All Journal Performance Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Eco-Entrepreneur Jurnal Studi Manajemen dan Bisnis MBR (Management and Business Review) Journal of Economic, Bussines and Accounting (COSTING) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan SEIKO : Journal of Management & Business JURNAL MANAJEMEN BISNIS JURNAL EKSBIS Performance : Jurnal Bisnis dan Akuntansi Community Engagement and Emergence Journal (CEEJ) JURNAL ILMIAH FEASIBLE (JIF) Jurnal Ilmiah Manajemen Kesatuan Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Pengabdian kepada Masyarakat Daengku: Journal of Humanities and Social Sciences Innovation Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Jurnal Administrasi Kantor Jurnal Pengabdian Mandiri Jurnal Kajian Ilmu Manajamen Indonesian Journal of Islamic Economics and Finance Amkop Management Accounting Review (AMAR) Jurnal Media Akademik (JMA) JER
aprilina susandini
Fakultas Ekonomi Dan Bisnis, Universitas Trunojoyo Madura, Indonesia
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PENGARUH LITERASI KEUANGAN PADA MINAT MENABUNG GENERASI Z JAWA TIMUR DENGAN FINTECH SEBAGAI VARIABEL MODERASI Aditiya Putri Indriani; Aprilina Susandini
Jurnal Media Akademik (JMA) Vol. 3 No. 11 (2025): JURNAL MEDIA AKADEMIK Edisi November
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/j96yhp18

Abstract

Penelitian ini mengkaji pengaruh literasi keuangan terhadap minat menabung Generasi Z di Jawa Timur, dengan penggunaan fintech sebagai  variabel moderator. Indonesia menghadapi tantangan dari pola konsumsi yang meningkat dibandingkan kebiasaan menabung, yang berpotensi menghambat pertumbuhan ekonomi, sementara Generasi Z (lahir 1997-2012), yang menyumbang 27,94% populasi, mendominasi penggunaan fintech dengan tingkat penggunaan harian sebesar 78%. Menggunakan pendekatan kuantitatif dengan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui Smart PLS, data dikumpulkan dari 159 responden Generasi Z yang dipilih secara purposif berusia 18-27 tahun di Jawa Timur menggunakan kuesioner skala Likert 5 poin. Hasil menunjukkan  literasi keuangan secara positif dan signifikan mempengaruhi minat menabung (koefisien jalur 0,534, p=0,001), demikian pula penggunaan fintech (koefisien jalur 0,213,p=0,0024). Namun, interaksi keduanya menunjukkan moderasi negatif yang signifikan (koefisien jalur -0,204, p=0,001), menunjukkan bahwa literasi keuangan yang lebih tinggi melemahkan efek positif fintech terhadap minat menabung, menyoroti kebutuhan akan penggunaan teknologi yang seimbang dan pendidikan keuangan. Meskipun AVE untuk literasi keuangan (0,43) dan minat menabung (0,49) berada di bawah 0,50, keandalan komposit yang tinggi (>0,84) dan validitas diskriminatif mendukung kesesuaian model. Temuan ini memberikan wawasan bagi pembuat kebijakan dan pengembang fintech untuk meningkatkan perilaku menabung di kalangan pemuda yang terlahir di era digital.
Menganalisis Kinerja Keuangan: Dampak Struktur Modal, Pertumbuhan Penjualan, Perputaran Aktiva Tetap, dan Ukuran Perusahaan (Studi Kasus Pada Industri Material Konstruksi di BEI 2019-2024) Afriza, Deby; Susandini, Aprilina
Jurnal Studi Manajemen dan Bisnis Vol 12, No 2 (2025): Desember
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jsmb.v12i2.32472

Abstract

The purpose of this study was to analyze the effect of capital structure, sales growth, fixed asset turnover, and company size on financial performance, both simultaneously and partially. This research uses quantitative methods with multiple linear regression analysis. The data used is secondary data from the Indonesia Stock Exchange (IDX) with purposive sampling technique, resulting in a sample of 6 companies from a population of 13 companies. The F test results show that simultaneously, capital structure, sales growth, fixed asset turnover, and company size have a positive and significant effect on the company's financial performance in the construction material industry on the IDX for the 2019-2024 period. The T test results show that: Capital structure has a negative and significant effect on the company's financial performance. Sales growth has a positive and significant effect on the company's financial performance. Fixed asset turnover has a positive and significant effect on the company's financial performance. Company size has no significant effect on the company's financial performance. The coefficient of determination (R²) is 0.661, which means that the independent variables in this study explain 66,1% of the variation in financial performance, while 33,9% is explained by other variables outside the research model.
Pengaruh Kecerdasan Emosional, Locus of Control, dan Financial Technology Terhadap Financial Behavior Pada Mahasiswa Febrianti, Tiara Naylil; Susandini, Aprilina
Eco-Entrepreneur Vol 11, No 2 (2025): Desember
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ee.v11i2.29255

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh kecerdasan emosional, pengendalian diri, dan teknologi finansial terhadap perilaku keuangan mahasiswa. Penelitian ini menggunakan pendekatan kuantitatif untuk menguji pengaruh variabel bebas terhadap variabel terikat. Variabel penelitian meliputi kecerdasan emosional, pengendalian diri, dan teknologi finansial sebagai variabel bebas, sedangkan perilaku keuangan sebagai variabel terikat. Populasi penelitian adalah seluruh mahasiswa aktif program sarjana Fakultas Ekonomi dan Bisnis. Teknik pengambilan sampel yang digunakan adalah purposive sampling, sehingga diperoleh 315 responden yang memenuhi kriteria yang telah ditetapkan. Data dikumpulkan melalui kuesioner yang mengukur kecerdasan emosional, pengendalian diri, teknologi finansial, dan perilaku keuangan. Analisis data dilakukan dengan menggunakan regresi linier berganda dengan bantuan SPSS versi 25. Hasil penelitian menunjukkan bahwa kecerdasan emosional, pengendalian diri, dan teknologi finansial, baik secara sendiri-sendiri maupun bersama-sama, memiliki pengaruh yang positif dan signifikan terhadap perilaku keuangan.
Pengaruh Akuntabilitas, Transparansi dan Partisipasi Masyarakat dalam Pengelolaan Dana Anggaran Pendapatan dan Belanja Desa (APBDes) di Desa Sumberdem Kecamatan Wonosari Kabupaten Malang Dharmala, Nana Wahyu; Susandini, Aprilina
Jurnal Kajian Ilmu Manajemen (JKIM) Vol 5, No 4 (2025): Desember 2025
Publisher : Management Department of Economics and Business Of Trunojoyo Madura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jkim.v5i4.26757

Abstract

Nana Wahyu Dharmala, The Influence of Accountability, Transparency and Community Participation in Managing Village Revenue and Expenditure Budget (APBDes) Funds in Sumberdem Village. Under the guidance of Aprilina Susandini, SE., M.SM. This research was motivated by the widespread cases of corruption in Village Funds by government officials and also the lack of information or transparency in the use of village funds. The aim of this research is to determine the influence of accountability, transparency and community participation in managing APBDes funds. This type of research uses quantitative methods using primary data and secondary data. The sampling technique used in this research used the Purposive Sampling method with 77 respondents. The data collection technique uses a questionnaire whose validity and reliability have been tested. The data analysis technique used is multiple linear regression analysis. The results of this research using the T test show that the accountability variable has an influence on the management of APBDes funds, Transparency has an influence on the management of APBDes funds, and Community Participation has no influence on the management of APBDes funds. The results together (F test) show that the variables of accountability, transparency and community participation have a significant influence on the management of APBDes funds.
Enhancing Madura’s Tourism Potential: Financial Inclusion, Digital Technology, and the Moderating Effect of Digital Literacy Amaniyah, Evaliati; Samsuki; Susandini, Aprilina
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.3856

Abstract

Tourism plays a vital role in regional economic growth and community empowerment, particularly in island regions such as Madura, where abundant coastal and marine resources hold significant potential for sustainable tourism development. This study aims to analyse how financial inclusion and the use of digital technology can promote the development of tourism potential in Madura, with digital literacy as a moderating variable. Data was obtained through a survey of tourism stakeholders and related MSMEs in the Madura region. The analysis technique used was Partial Least Squares Structural Equation Modelling (PLS-SEM). The results indicate that financial inclusion and digital technology have a positive and significant impact on tourism potential development. Digital literacy also has a direct positive impact on tourism potential; however, its role as a moderating variable yields varied results. Digital literacy does not significantly moderate the relationship between financial inclusion and tourism potential, while in the relationship between digital technology and tourism potential, digital literacy negatively moderates the relationship.  This study provides policy implications for local governments and financial institutions in expanding targeted financial access and digital education to strengthen the local economy through tourism.
Optimalisasi Nilai Tambah Gula Cair Siwalan melalui Pengembangan Kemasan dan Branding Berkelanjutan di Desa Kertagena Tengah Susandini, Aprilina; Ananta, Zulia Devi; Chasani, Alfin Amal; Hadinata, Vicky Alfiyan; Nugroho, Prasetyo; Hadyarti, Vidi
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 7 No. 1 (2026): Edisi Januari - April
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Gula cair siwalan merupakan produk olahan lokal bernilai ekonomi di Desa Kertagena Tengah, Kecamatan Kadur, Pamekasan. Namun, pelaku usahanya masih menghadapi kendala seperti kemasan yang sederhana, belum adanya identitas merek, strategi pemasaran yang kurang optimal, dan harga yang belum terstandarisasi, sehingga daya saing produk rendah. Kegiatan pengabdian ini bertujuan meningkatkan nilai tambah produk melalui pengembangan kemasan, pembuatan branding, penentuan harga, serta pelatihan pemasaran digital berbasis marketplace. Metode yang dilakukan meliputi survei, FGD, pembuatan desain logo dan kemasan, penetapan harga, pembuatan akun Shopee, dan pendampingan pemasaran bersama BUMDes. Hasilnya menunjukkan peningkatan pada kualitas kemasan, kejelasan identitas merek, ketepatan harga, serta pemanfaatan marketplace untuk pemasaran. Pendampingan ini juga meningkatkan pemahaman pelaku usaha dalam mengelola bisnis dan memperluas peluang pasar. Kegiatan ini penting sebagai solusi konkret bagi pelaku usaha serta dalam memperkuat ekonomi lokal dan pengembangan potensi desa secara berkelanjutan.
ANALISIS KELAYAKAN BISNIS KOAGULAN BERBASIS LIMBAH GARAM (BITTERN) SEBAGAI UPAYA PENINGKATAN NILAI TAMBAH PETANI GARAM Agustine, Dian Ayu Dwi Permata; Nugroho, Prasetyo; Susandini, Aprilina; Arfy, Widya Rizka
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/wnvd2t37

Abstract

This study aims to analyze the business feasibility of utilizing salt waste (bittern) as a raw material for making magnesium chloride coagulant to increase the economic value of salt farmers in Bunder Village, Pademawu District, Pamekasan Regency, Madura. The study uses a quantitative descriptive method through surveys, field observations, and interviews with salt farmers and related agencies. Analysis was carried out on the cost structure, income, revenue, and financial feasibility indicators including Break Even Point (BEP), Payback Period (PP), Revenue Cost Ratio (R/C Ratio), Benefit Cost Ratio (B/C Ratio), and Net Present Value (NPV). The results showed that the total annual production cost was Rp. 39,457,200, the cost of production was Rp. 15,800 per liter, and the selling price was Rp. 35,000 per liter, resulting in a net income of Rp. 48,042,800 per year. The break-even point (BEP) value was achieved at a volume of 635 liters, with a PP of 0.70 years (8 months), a return to market ratio of 2.21, a return to market ratio of 1.21, and a positive NPV of Rp 31,047,791.27. Based on these results, the bittern-based coagulant business is declared financially and economically feasible and has the potential to support the development of a sustainable salt industry and environmentally friendly waste management in the coastal areas of Madura.
PENGARUH KOMPETENSI SUMBER DAYA MANUSIA DAN PENERAPAN TEKNOLOGI INFORMASI TERHADAP KUALITAS LAPORAN KEUANGAN BUMDES DI KECAMATAN KADUR KABUPATEN PAMEKASAN Ananta, Zulia Devi; Susandini, Aprilina
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/86crbn44

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kompetensi Sumber Daya Manusia (SDM) dan penerapan Teknologi Informasi (TI) terhadap kualitas laporan keuangan pada Badan Usaha Milik Desa (BUMDes) di Kecamatan Kadur, Kabupaten Pamekasan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi linier berganda untuk menguji hubungan antarvariabel secara objektif. Data primer diperoleh melalui penyebaran kuesioner dan wawancara kepada 48 pengelola BUMDes yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria relevan, seperti masa kerja minimal satu tahun, pemahaman dasar TI, serta keterlibatan dalam penyusunan laporan keuangan. Analisis data dilakukan melalui uji validitas, uji reliabilitas, uji asumsi klasik, serta pengujian hipotesis melalui uji T, uji F, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa kompetensi SDM dan penerapan TI berpengaruh positif dan signifikan terhadap kualitas laporan keuangan, baik secara parsial maupun simultan. Nilai R² sebesar 0,521 mengindikasikan bahwa kedua variabel mampu menjelaskan 52,1% variasi kualitas laporan keuangan, sedangkan sisanya dipengaruhi variabel lain di luar penelitian. Temuan ini menegaskan bahwa peningkatan kompetensi pengurus serta optimalisasi pemanfaatan TI sangat penting untuk menghasilkan laporan keuangan BUMDes yang akurat, transparan, dan dapat dipertanggungjawabkan.
EVALUASI KEBERLANJUTAN BUMDESA BERDASARKAN KINERJA KEUANGAN (STUDI PADA BUMDESA SEJAHTERA ABADI KABUPATEN PAMEKASAN) Rahayu, Putri Ananta; Susandini, Aprilina
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/86hfqv20

Abstract

This study aims to determine the sustainability level of BUMDes Sejahtera Abadi in Pamekasan Regency based on financial performance measured through four key ratios: profitability, liquidity, activity, and solvency during 2020–2024. This research applies a descriptive quantitative method with a case study approach. The data used consist of financial statements, including the balance sheet and income statement and interview. The results show that profitability and activity ratios are in the healthy category, indicating good performance in generating profits and utilizing assets efficiently. The solvency ratio is also healthy, reflecting a strong financial structure with low debt dependency. However, the liquidity ratio is unhealthy, indicating limited short-term payment ability. Overall, BUMDes Sejahtera Abadi demonstrates fair financial sustainability, though improvements in cash management are needed to strengthen short-term stability
The Influence of Destination Image, Emotional Experience, and Perceived Value on Tourist Loyalty Through Satisfaction as an Intervening Variable Ryan Restu Prasasongko; Fathor AS; Aprilina Susandini
Jurnal Manajemen Bisnis Vol. 13 No. 1 (2026): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v13i1.1383

Abstract

This study aims to analyze the influence of destination image, emotional experience, and perceived value on tourist loyalty through tourist satisfaction as an intervening variable on Talang Siring Beach tourism, Pamekasan. The method used in this study is quantitive. The data collection technique used a questionnaire of 97 respondents based on the Cochran formula, this study involved all visitors to Talang Siring Beach, Pamekasan as the research population. The collected data were analyzed using SEM-PLS through SmartPLS. This study found that all hypotheses statistically showed a positive and significant influence between destination image, emotional experience, and perceived value on tourist loyalty. This finding emphasizes the importance of managing destination image, emotional experience, and perceived value to strengthen tourist loyalty.
Co-Authors Aditiya Putri Indriani Afriza, Deby Agustine, Dian Ayu Dwi Permata Amilliatus Shobakhah Ananta, Zulia Devi Arfy, Widya Rizka Aviana Putri Iswanti Chasani, Alfin Amal Choirunnisa, Anisah Danis Maulia Darul Islam Darul Islam dedy afriyanto Dedy Arfiyanto Dewi Ayu Lestari Dharmala, Nana Wahyu Dian Anita Nuswantara Eko Budi Laksono Elita Yuvika Wulandari Endang Widyastuti Endang Widyastuti Erfianti, Rani Yulia Evaliati Amaniyah Faidal Faidal Faidal, Faidal Fanggidae, Apriana H.J. Fanny Dewi Sukma Fathor AS Febrianti, Tiara Naylil Hadinata, Vicky Alfiyan Hadyarti, Vidi Hamro, Najmatul Hanifiyah Rifadha Hardyati, Vidi Husnah, Fithiyatul Imam Mahrus Afwan Romadhoni lailatul maghfiroh Marisa Intan Prawesti Miftahul Jannah Miftahul Jannah MIFTAHUL JANNAH Miftahul Jannah Mochamad Reza Adiyanto Nuri Fatmawati Prasetyo Nugroho Prasetyo Nugroho Purnomo, Arie Setyo Dwi Putri, Arista Maulida Roziana Rahayu, Putri Ananta Raya Sulistyowati Roby Gunawan, Ahmad Ronald P.C. Fanggidae Ruben M. Nayve Jr Ryan Restu Prasasongko Samsuki Septianza, Cindi Setyaangraini, Salsabilla Putri Sundari , Sundari Syafitri, Diyana Tahol, Triana Olivia Tamaya Adianti TRI ADINDA NINGSIH, YULIA Trianto, Machrus Rahman Zainal Arif Abdullah