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All Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurnal Ilmiah Edunomika (JIE) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ekuilnomi Ilomata International Journal of Social Science Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomi Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Jurnal Manajemen Kreatif dan Inovasi JER Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Asian Journal of Management, Entrepreneurship and Social Science
Ratri Paramitalaksmi
Universitas Mercu Buana Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Membangun masyarakat tangguh finansial: edukasi financial literacy sebagai langkah pencegahan terhadap pinjaman dan judi online di Karang Taruna Sahaja Dusun Kuwangen Yudas Tadius Andi Candra; Ratri Paramitalaksmi
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 2 (2025): March
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i2.29559

Abstract

AbstrakPerkembangan teknologi informasi yang sangat pesat sudah merambah ke sector keuangan. Dari serangkaian dampak positif teknologi informasi ini, terdapat beberapa hal yang harus diwaspadai, yaitu dampak negatif dari pinjaman online dan judi online yang bisa merusak stabilitas keuangan masyarakat di dusun Kuwangen. Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kesadaran dan pemahaman masyarakat Dusun Kuwangen mengenai bahaya judi online dan pinjaman online (pinjol), serta memberikan edukasi tentang pengelolaan keuangan yang bijak. Kegiatan ini mencakup workshop literasi keuangan dan penyebaran konten edukatif melalui media sosial, yang disesuaikan dengan kebutuhan audiens muda. Metode yang digunakan meliputi penyuluhan langsung, tanya jawab, serta pemanfaatan platform digital untuk menyebarkan informasi. Hasil pengabdian menunjukkan adanya peningkatan pemahaman masyarakat tentang bahaya judi online dan pinjol, serta penggunaan aplikasi keuangan untuk pengelolaan keuangan yang lebih baik. Selain itu, masyarakat juga semakin aktif dalam menyebarkan informasi terkait pencegahan judi online dan pinjaman online kepada orang lain. Kegiatan ini berhasil memberikan dampak positif yang berkelanjutan, meningkatkan kesadaran akan bahaya tersebut, dan mendorong perubahan perilaku masyarakat menuju pengelolaan keuangan yang lebih bijak dan aman. Kata kunci: literasi keuangan; pinjaman online; judi online AbstractThe rapid advancement of information technology has extended into the financial sector. Amidst the numerous positive impacts of information technology, there are several aspects that must be closely monitored, particularly the negative effects of online loans and online gambling, which can undermine the financial stability of communities in Kuwangen  Hamlet. This community service program aims to raise awareness and understanding among the residents of Kuwangen Lor about the dangers of online gambling and online loans, while providing education on wise financial management. The activities include financial literacy workshops and the dissemination of educational content through social media tailored to the needs of the younger audience. The methods employed consist of direct counseling, interactive question-and-answer sessions, and the utilization of digital platforms to spread information. The outcomes of this program demonstrate an increase in community understanding of the dangers of online gambling and online loans, as well as the adoption of financial management applications for better financial practices. Furthermore, the community has become more proactive in sharing information related to the prevention of online gambling and loans with others. This initiative has successfully delivered sustainable positive impacts, raising awareness of these dangers and fostering behavioral changes towards safer and wiser financial management. Keywords: financial literacy; online loans; online gambling
Determining The Quality of SME Financial Reports: The Role of Accounting Understanding in Kulon Progo Ratri Paramitalaksmi; Martinus Budiantara
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2004

Abstract

This study aims to analyse the effect of education level, business owner perceptions, MSME digitalisation, and financial inclusion on the quality of MSME financial reports in Kulon Progo, as well as to examine the role of accounting knowledge as a moderating variable. The method used is quantitative with the Structural Equation Modelling–Partial Least Squares (SEM-PLS) technique. The research sample consisted of 397 MSME owners. The results show that education level, MSME digitalisation, and financial inclusion have a positive and significant effect on financial statement quality. Business owner perceptions do not have a significant effect. Accounting knowledge has a significant direct effect on financial statement quality but does not moderate the relationship between independent variables and financial statement quality. This study confirms that structural factors, particularly digitalisation and financial access, are strong determinants in driving MSME financial statement quality.
THE EFFECT OF GOOD CORPORATE GOVERNANCE AND CORPORATE SOCIAL RESPONSIBILITY DISCLOSURE ON COMPANY VALUE: Case Studies of Manufacturing Companies Listed on the Indonesia Stock Exchange from 2021 - 2024 Nur Rohma Puspitasari Nur Rohma Puspitasari; Ratri Paramitalaksmi
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2043

Abstract

This study aims to investigate the effect of GCG, proxied by institutional ownership and independent commissioners, as well as CSR disclosure variables based on GRI Standard 2021 on the value of manufacturing companies listed on the IDX for the period 2021-2024. It uses a quantitative approach, with secondary data from annual and sustainability reports. The sample selection was conducted using purposive sampling techniques and resulted in 30 companies out of a total of 118 manufacturing companies. Data analysis was performed using multiple linear regression with SPSS version 27. The results showed that institutional ownership did not have a significant effect on company value, while independent commissioners had a positive effect. In addition, CSR disclosure was found to have no significant effect on company value.
TATA KELOLA PERUSAHAAN YANG BAIK DAN KINERJA KEUANGAN : BUKTI EMPIRIS DARI BANK SYARIAH INDONESIA (BSI) PASCA MERGER Kuni Naila'L Muna; Ratri Paramitalaksmi
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.20441

Abstract

This study examines the differences in Good Corporate Governance (GCG) implementation and financial performance at Bank Syariah Indonesia (BSI) before and after the 2021 merger of Mandiri Syariah, BNI Syariah, and BRI Syariah. Employing a comparative and causal-associative quantitative approach, the study analyzes quarterly financial statements and GCG reports from 2019 to 2024, sourced from OJK and IDX publications. Data analysis utilized descriptive statistics, paired-sample t-tests, and multiple linear regression. GCG variables included the Board of Directors, Board of Commissioners, Sharia Supervisory Board, and Audit Committee, while financial performance was measured by Return on Assets (ROA) and Return on Equity (ROE). The findings reveal significant differences across all GCG components and financial performance indicators pre- and post-merger. Average ROA increased from 1.05% to 1.78%, while average ROE rose from 8.62% to 15.35%. Regression results indicate that the Board of Directors, Board of Commissioners, Audit Committee, and the merger variable had a positive and significant impact on ROA and ROE, whereas the Sharia Supervisory Board had a limited impact. Overall, the merger—supported by stronger corporate governance practices—has enhanced supervisory effectiveness, asset management efficiency, and profitability at BSI. These results demonstrate that the implementation of integrated GCG following the merger has positively contributed to the bank's financial performance.
PENDAMPINGAN PEMBUATAN MEDSOS SEBAGAI SARANA PROMOSI DAN PENCATATAN ARUS KAS BERBASIS APLIKASI PADA UMKM TOKO BUAH Maria Gracedava Oktaviani Br Sitepu; Ratri Paramitalaksmi
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2026): Juni
Publisher : Yayasan Nuraini Ibrahim Mandiri

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

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas pemasaran dan pengelolaan keuangan UMKM Toko Buah “RsM Buah Segar” yang berlokasi di Jl. Raya Tajem, Kabupaten Sleman, Daerah Istimewa Yogyakarta. Program dilaksanakan selama enam minggu (April–Mei 2025) dengan dua fokus utama: (1) pembuatan dan pengelolaan akun Instagram sebagai alat promosi digital, dan (2) pelatihan pencatatan arus kas menggunakan aplikasi BukuKas. Metode yang digunakan adalah pendampingan langsung bertahap disertai pelatihan praktis. Evaluasi dilakukan melalui instrumen checklist pemahaman yang diberikan kepada mitra setelah pendampingan selesai. Hasil evaluasi menunjukkan bahwa seluruh indikator pemahaman pada kedua aspek dijawab positif oleh mitra. Akun Instagram @rsmbuahsegar berhasil memperoleh beberapa pengikut dalam empat minggu pertama, meningkatkan visibilitas usaha secara signifikan. Mitra juga mampu mencatat laporan arus kas harian secara mandiri melalui aplikasi BukuKas. Pendampingan ini diharapkan menjadi model replikasi bagi UMKM sejenis dalam memanfaatkan teknologi digital untuk pengembangan usaha.
Co-Authors Diana Airawaty Hadjija Dewi Aviva Kuni Naila'L Muna Maria Gracedava Oktaviani Br Sitepu Martinus Budiantara Melania Putri Baga Nur Rohma Puspitasari Nur Rohma Puspitasari Silfester Odi Srigid Marini Vinsensius Engelbertus Lado Wuku Astuti Wuku Astuti Yudas Tadius Andi Candra