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All Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan GANEC SWARA Jurnal Pewarta Indonesia Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Sadharananikarana: Jurnal Ilmiah Komunikasi Hindu Jurnal Pengabdian Masyarakat (ABDIRA) Jurnal Pengabdian Masyarakat IPTEK Media Bina Ilmiah Dharma Sevanam : Jurnal Pengabdian Masyarakat Paryaṭaka : Jurnal Pariwisata Budaya dan Keagamaan Samvada: Jurnal Riset Komunikasi, Media, dan Public Relation Waisya : Jurnal Ekonomi Hindu (JIMBE) kawanad Tepak Sirih : Jurnal Pengabdian Kepada Masyarakat Madani Jejak digital: Jurnal Ilmiah Multidisiplin
I Komang Widya Purnama Yasa
Institut Agama Hindu Negeri Gde Pudja Mataram
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Edukasi Pentingnya Menabung sejak Dini di Dusun Lilin Yulistiani, Ni Wayan; Suardana, I Ketut Putu; Laksmi, Ida Ayu Nyoman Widia; Yasa, I Komang Widya Purnama
Kawanad : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 2 (2025): October
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/kjpkm.v4i2.359

Abstract

The program “Financial Education: The Importance of Saving from an Early Age in Lilin Hamlet” was implemented as a community engagement initiative aimed at fostering financial awareness and saving habits among children and adolescents in rural areas. Using a participatory-educational approach, the program consisted of four stages: planning, socialization, saving practice, and evaluation. A total of 27 participants, ranging from elementary to high school students, took part in the activities held at the Pasraman Kilat community learning center. The sessions were designed to be interactive through discussions, visual media, and hands-on saving activities using simple piggy banks. The results indicated a notable improvement in financial understanding and behavior, with 48.15% of participants saving regularly during the program. The amount saved ranged between IDR 17,000 and IDR 28,000. The program not only enhanced financial literacy but also cultivated responsibility and self-discipline among participants. A participatory learning environment was found to be a key factor in sustaining engagement and behavioral change. These findings suggest that practice-based financial education embedded in local cultural values can serve as an effective strategy to instill early saving habits and strengthen financial literacy within rural communities.
EKSISTENSI MEDIA MASSA DI KOTA MATARAM DALAM MENDORONG PERTUMBUHAN EKONOMI HIJAU Yasa, I Komang Widya Purnama; Dharma Yanti, Ni Wayan Alinda
Media Bina Ilmiah Vol. 19 No. 9: April 2025
Publisher : LPSDI Bina Patria

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

Abstract

Indonesia Emas 2045 merupakan suatu visi misi dan cita-cita besar bangsa ini kearah kemakmuran bangsa. Secara demografi Generasi Z dan Milenial yang akan bergerak menguasi masa itu kedepannya. Semakin berkembangnya isu keberlanjutan, peran generasi muda dalam mendorong penerapan ekonomi hijau menjadi semakin signifikan. Media massa, sebagai alat komunikasi yang kuat, memiliki pengaruh besar dalam menyebarkan informasi dan membentuk persepsi publik. Penelitian ini akan mencari tau bagaimana bentuk eksistensi media massa dalam mendorong pertumbuhan ekonomi hijau. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data berupa observasi, wawancara dan dokumentasi. Lokasi Penelitian Media Massa Kota Mataram dengan fokusnya di Suara NTB, Lombok Post dan Radar Lombok selain itu juga terdapat di 6 (enam) UMKM di 6 (enam) Kecamatan Kota Mataram. Teknik pemilihan informan dengan purposive sampling. Penelitian ini juga menggunakan pendekatan Teori Pengolahan Berita (News Factory Model) dan Teori Penerimaan Aktif (Audience Reception). Hasil penelitian menunjukkan bahwa media massa berhasil dalam meningkatkan kesadaran masyarakat tentang pentingnya ekonomi hijau, hal ini didukung dengan berbagai berita ekonomi hijau yang berhasil didukung oleh media massa. Media massa juga mampu mempengaruhi masyarakat dengan berbagai kebijakan publik yang dibuat oleh pemerintah namun perlu adanya kehati-hatian karena dalam pemberitaan terkait topik ini selalu ada tantangan yang diperoleh oleh media massa. Selain itu terdapat kolaborasi media massa dengan pemerintah dan organisasi non-pemerintah dalam memajukan perkembangan pertumbuhan ekonomi hijau.
Edukasi Nilai Ekonomi Hindu untuk Menumbuhkan Kebiasaan Menabung Anak di Dusun Alas Malang Wijayanti, Ni Putu Aryani Sintia; Suarna, I Nyoman; Sudarsini, Ni Nengah; Amni, Sri Sofiana; Yasa, I Komang Widya Purnama
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira, Januari
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1187

Abstract

Saving habits are a fundamental aspect in shaping a thrifty, disciplined, and responsible character from an early age. However, in Dusun Alas Malang, awareness of the importance of saving remains low, especially among children. Through an individual Community Service Program (KKN), an educational and training-based activity was carried out to foster saving habits among elementary school students. The methods used included delivering learning materials, practicing decorating piggy banks made from recycled materials using origami paper, and conducting a question-and-answer session as an evaluation. Hindu economic values from Sloka Sarasamuccaya 262 were integrated to relate the concept of saving with religious teachings. The results showed an increase in children’s understanding and enthusiasm for saving pocket money, along with improved creativity through piggy bank decoration activities. This program effectively fostered frugality, creativity, and financial as well as moral responsibility. Early saving education is essential to build children’s awareness of financial management.
Tabungan Botol Bekas: Media Literasi Keuangan Anak Usia Dini Berbasis Nilai Ekonomi Hindu Juliartana, I Putu Gede Kamestya; Sudarma, I Made; Gunada, I Wayan Agus; Yasa, I Komang Widya Purnama
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira, Januari
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1169

Abstract

This community service program aimed to enhance financial literacy among early childhood children in Dusun Pemangkalan, Batu Mekar Village, through the creation of creative savings from used bottles integrated with Hindu economic values. The methodological approach included community education, participatory training, and demonstration sessions. Activities were conducted through multiple phases: initial socialization about financial literacy importance, creative workshops on transforming waste bottles into functional piggy banks, and the introduction of basic Hindu economic principles such as Tri Hita Karana and the concept of Artha. The results indicated a modest improvement in children's understanding of saving concepts and money values, with pre-intervention assessment showing 35% understanding and post-intervention reaching 55%. Parental involvement was observed to be crucial, though participation levels varied. Environmental awareness also showed slight improvement. The study concludes that while culturally contextual and creative approaches show potential, sustained efforts and longer intervention periods are needed for significant impact. The integration of local values proved meaningful in connecting abstract financial concepts to children's daily experiences.
Menumbuhkan jiwa kewirausahaan anak melalui edukasi dan kreasi prakarya di Dusun Tragtag Ni Putu Indri Septiyani; I Gede Bayu Wijaya; I Komang Widya Purnama Yasa
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 6 (2025): November
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i6.35895

Abstract

AbstrakKegiatan Kuliah Kerja Nyata (KKN) merupakan bentuk nyata pengabdian mahasiswa kepada masyarakat melalui penerapan ilmu yang diperoleh di bangku perkuliahan. Salah satu program kerja yang diangkat oleh tim KKN di Dusun Tragtag adalah kegiatan edukasi dan kreasi prakarya bagi anak-anak dengan tujuan menumbuhkan jiwa kewirausahaan sejak dini. Program ini dilatarbelakangi oleh pentingnya pengembangan karakter, kreativitas, dan kemandirian anak-anak dalam menghadapi tantangan masa depan. Metode yang digunakan dalam kegiatan ini meliputi edukasi interaktif, praktik pembuatan prakarya sederhana dari barang bekas, dan pameran mini hasil karya anak. Hasil kegiatan menunjukkan peningkatan minat dan antusiasme anak-anak dalam berkarya, serta mulai tumbuhnya pemahaman dasar mengenai nilai-nilai kewirausahaan seperti kreativitas, kerja sama, dan tanggung jawab. Kegiatan ini diharapkan dapat menjadi langkah awal dalam membentuk generasi muda yang produktif, mandiri, dan berjiwa wirausaha. Kata kunci: kewirausahaan; anak-anak; prakarya; edukasi; pengabdian masyarakat. AbstractThe Community Service Program (KKN) is a form of student dedication to society through the application of academic knowledge in real-life settings. One of the programs initiated by the KKN team in Tragtag Hamlet focused on education and creative craft activities for children, aiming to cultivate an entrepreneurial spirit from an early age. This program was driven by the importance of developing children's character, creativity, and independence in facing future challenges. The methods used included interactive education, hands-on creation of simple crafts using recycled materials, and a mini exhibition of the children's work. The results showed an increase in children's interest and enthusiasm for crafting, along with a growing understanding of basic entrepreneurial values such as creativity, collaboration, and responsibility. This activity is expected to serve as a starting point in shaping a productive, independent, and entrepreneurial young generation. Keywords: entrepreneurship; children; crafts; education; community service.
Pengaruh Current Ratio, Return on Asset, dan Net Profit Margin terhadap Debt to Equity Ratio pada PT Unilever Indonesia Tbk Periode 2015-2024 Lestari, Putu Ita; Yasa, I Komang Widya Purnama
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 1 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i1.4816

Abstract

This study analyzes the role of liquidity and profitability in determining the capital structure of PT Unilever Indonesia Tbk during the 2015–2024 period. The study uses 40 quarterly data observations sourced from public financial statements and analyzed using multiple linear regression to test the effects of the Current Ratio (CR), Return on Assets (ROA), and Net Profit Margin (NPM) on the Debt-to-Equity Ratio (DER). The results indicate that CR has a negative and significant effect on DER, suggesting that strong liquidity reduces the company’s reliance on debt-based financing. NPM also has a significant negative effect on DER, underscoring the importance of operational profit efficiency in strengthening internal funding. Conversely, ROA does not show a significant effect on DER, indicating that asset-based profitability is not always a determinant of leverage policy. Simultaneously, CR, ROA, and NPM account for most of the variation in DER. This finding makes a theoretical contribution to the study of capital structure by confirming that liquidity and operating profitability are more decisive determinants of leverage than asset efficiency, particularly in mature consumer goods companies that have experienced extreme leverage trends in recent years.
Pengaruh TATO, CR, dan DER terhadap ROA pada PT Telekomunikasi Indonesia Tbk Tahun 2016-2024 Ratni, Kadek Indrawati; Yasa, I Komang Widya Purnama
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 1 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i1.4817

Abstract

This study aims to analyze the influence of Total Asset Turnover (TATO), Current Ratio (CR), and Debt-to-Equity Ratio (DER) on Return on Assets (ROA) at PT Telekomunikasi Indonesia Tbk during the 2016–2024 period. This study employs a descriptive quantitative approach using quarterly data (n = 36 observations) obtained from the company’s official financial statements and the Indonesia Stock Exchange. The analysis was conducted using multiple linear regression with SPSS version 27, accompanied by classical assumption tests to ensure the model’s validity. The results indicate that TATO has a significant negative effect on ROA (p = 0.006; t = -2.965), suggesting that increased asset utilization efficiency is actually followed by a decline in profitability. This occurs due to high depreciation expenses and long-term digital infrastructure investments that have not yet fully generated profits. Furthermore, CR does not have a significant effect on ROA (p = 0.677; t = -0.420), indicating that liquidity is not a major determinant of profitability in the telecommunications industry, which has stable cash flows. Meanwhile, the DER has a significant negative effect on ROA (p = 0.045; t = -2.089), meaning that reliance on debt reduces profit efficiency due to increased interest expenses. Simultaneously, TATO, CR, and DER have a significant effect on ROA (F = 5.479; p = 0.004) with an R² value of 0.339, indicating that the three variables explain 33.9% of the variation in profitability. These findings underscore the importance of managing capital structure and operational cost efficiency to maintain profitability amid digital transformation.
Pengaruh Literasi Keuangan dan Life Style Terhadap Penggunaan Paylater di Kalangan Gen Z Kota Mataram Desak Nyoman Arti; I Gede Bayu Wijaya; I Komang Widya Purnama Yasa
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 4 (2026): JUNI-JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/ty3nwz95

Abstract

Financial literacy and lifestyle are important factors influencing the use of Paylater services among Generation Z. The convenience and flexibility offered by Paylater have increased the adoption of digital financial services; however, low financial literacy and a consumptive lifestyle may lead to irresponsible usage. This study aims to analyze the influence of financial literacy and lifestyle on Paylater usage among Generation Z in Mataram City. A quantitative approach was employed with a sample of 100 respondents selected through purposive sampling. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, and F-tests. The results indicate that financial literacy and lifestyle have a significant effect on Paylater usage, both partially and simultaneously. These findings suggest that improving financial literacy and promoting a responsible lifestyle are essential to encourage wiser use of Paylater services among Generation Z.
Pemberdayaan Matarakat Melalui Pemanfaatan Botol Bekas Sebagai Media Edukasi Ekonomi Kreatif Di Banjar Karya Dharma Yasa Dusun Tragtag Ni Wayan Desi Suryanti; I Komang Widya Purnama Yasa; I Gede Bayu Wijaya
Jurnal Pengabdian Masyarakat IPTEK Vol. 6 No. 1 (2026): Edisi Januari 2026
Publisher : STMIK Triguna Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53513/abdi.v6i1.12370

Abstract

Penelitian ini bertujuan membuat program pemberdayaan masyarakat dengan menggunakan botol bekas sebagai alat pembelajaran di bidang ekonomi kreatif di Dusun Tragtag. Sampah plastik yang menjadi masalah lingkungan utama di sini diubah menjadi produk kreatif sekaligus membantu mengajarkan pentingnya menabung sejak kecil. Pendekatan yang digunakan adalah kualitatif deskriptif, dengan beberapa tahapan yaitu survei awal untuk memahami karakteristik peserta dan keadaan lingkungannya, penyusunan program edukasi, serta pelaksanaan pelatihan praktis membuat celengan dari botol plastik bekas. Teknik pengumpulan datanya meliputi pengamatan, dokumentasi, serta interaksi langsung berupa diskusi dan tanya jawab dengan anak-anak dan remaja sebagai sasaran utama. Program ini dilaksanakan bertahap dengan menyesuaikan jadwal agar tidak mengganggu belajar peserta. Hasil penelitian menunjukkan bahwa program ini berhasil meningkatkan kesadaran peserta tentang pentingnya pengelolaan sampah dan literasi keuangan sejak usia dini. Selain itu, keterampilan dalam membuat celengan dari botol bekas mampu memotivasi anak-anak untuk menabung secara rutin, sekaligus menumbuhkan rasa peduli terhadap lingkungan. Hasil ini menunjukkan potensi besar dalam membentuk generasi muda yang mandiri secara finansial dan peduli lingkungan, sehingga dapat berkontribusi pada pembangunan yang berkelanjutan di masyarakat desa.
Pengaruh Literasi Keuangan dan Financial Technology Tehadap Penggunaan QRIS Pada Gen Z di Kota Mataram Alung Candra Dewi Pradana; Ni Luh Putu Anom Pancawati; I Komang Widya Purnama Yasa
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 4 No 2 (2026): Agustus
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v4i2.1212

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan financial technology terhadap penggunaan Quick Response Code Indonesian Standard (QRIS) pada Generasi Z di Kota Mataram. Penelitian ini dilatarbelakangi oleh meningkatnya penggunaan sistem pembayaran digital seiring perkembangan teknologi keuangan yang mendorong perubahan perilaku transaksi masyarakat, khususnya Generasi Z. Metode penelitian yang digunakan adalah penelitian kuantitatif dengan pendekatan survei. Data diperoleh melalui penyebaran kuesioner kepada 100 responden Generasi Z di Kota Mataram yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan uji validitas, reliabilitas, uji asumsi klasik, regresi linear berganda, uji t, uji F, dan koefisien determinasi dengan bantuan aplikasi SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan tidak berpengaruh signifikan terhadap penggunaan QRIS dengan nilai signifikansi sebesar 0,443 > 0,05. Sementara itu, financial technology berpengaruh positif dan signifikan terhadap penggunaan QRIS dengan nilai signifikansi sebesar 0,000 < 0,05. Secara simultan, literasi keuangan dan financial technology berpengaruh signifikan terhadap penggunaan QRIS dengan nilai signifikansi 0,000 < 0,05. Nilai koefisien determinasi (R²) sebesar 0,388 menunjukkan bahwa kedua variabel mampu menjelaskan penggunaan QRIS sebesar 38,8%, sedangkan sisanya dipengaruhi oleh faktor lain di luar penelitian. Temuan penelitian menunjukkan bahwa Generasi Z cenderung menggunakan QRIS karena kemudahan, kecepatan, efisiensi, dan keamanan yang ditawarkan oleh teknologi pembayaran digital. Oleh karena itu, pengembangan layanan financial technology dan peningkatan literasi keuangan perlu terus dilakukan untuk mendukung penggunaan QRIS secara optimal. Kata Kunci: Literasi Keuangan, Financial Technology, Penggunaan QRIS, Generasi Z
Co-Authors Alung Candra Dewi Pradana Amni, Sri Sofiana Arcana, I komang Artana, Nengah Yudik Desak Nyoman Arti Dharma Yanti, Ni Wayan Alinda Edy Chandra Ekawati, Ni Luh Juliani Rika Gunada, I Wayan Agus Gusti Ngurah Ketut Putera I Gede Bayu Wijaya I Ketut Putu Suardana I Made Ngurah Oka Mahardika I MADE SUDARMA Juliartana, I Putu Gede Kamestya Laksmi, Ida Ayu Nyoman Widia Lestari, Putu Ita Lukman, Dwi Ratna Kamala Sari Mudinillah, Adam Ni Putu Ari Aryawati Ni Putu Indri Septiyani Ni Wayan Desi Suryanti Pancawati, Ni Luh Putu Anom Ratni, Kadek Indrawati Suarjaya, I Nyoman Alit Suarna, I Nyoman Sudarsini, Ni Nengah Sukendri, Nengah Suksestriyani, Ni Ketut Tamara, Ni Wayan Kartika Khaecylia Wibawa, I Gede Jaya Satria Wijayanti, Ni Putu Aryani Sintia Yulistiani, Ni Wayan