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All Journal Jurnal Manajemen dan Agribisnis SEGMEN Jurnal Manajemen dan Bisnis Katalogis Jurnal Media Wahana Ekonomika JAM : Jurnal Aplikasi Manajemen STRATEGIC JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) JURNAL MANAJEMEN MOTIVASI Jurnal SOLMA J-MAS (Jurnal Manajemen dan Sains) International Journal of Social Science and Business INTERNATIONAL JOURNAL OF NURSING AND MIDWIFERY SCIENCE (IJNMS) Jurnal Samudra Ekonomi dan Bisnis JURNAL ILKES (Jurnal Ilmu Kesehatan) JURNAL LENTERA BISNIS Journal of Telenursing (JOTING) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmu Manajemen Universitas Tadulako (JIMUT) Jurnal Pengabdian Kesehatan Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Jurnal AbdiMas Nusa Mandiri Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Abdimas Bina Bangsa Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Journal of Applied Nursing and Health Stethoscope Dikdimas : Jurnal Pengabdian Kepada Masyarakat Tadulako International Journal of Applied Management (TaJAM) Jurnal Ilmiah Pengabdian Masyarakat Bidang Kesehatan Journal of Economics and Management Scienties Jurnal Ekonomi Kreatif Indonesia Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Inovasi Bisnis Indonesia (JIBI) Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Penelitian Pendidikan Indonesia Jurnal Ilmiah Kesehatan The Journal of Financial, Accounting and Economics Journal of Humanities, Community Service, and Empowerment Jurnal Ilmu Keperawatan dan Kebidanan
Vitayanti Fattah
Jurusan Manajemen, Fakultas Ekonomi, Universitas Tadulako
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Attitudes and Digital Financial Literacy towards Performance through the Behavior of Small and Medium Enterprises in Palu City Fattah, Vitayanti; Surayya, Surayya; Husnah, Husnah; Nurdin, Dhayani; Darman, Darman; Nofal, Muhammad
International Journal of Social Science and Business Vol. 9 No. 1 (2025): February
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v9i1.87572

Abstract

The proliferation of micro, small, and medium enterprises (MSMEs) has emerged as a pivotal catalyst for economic proliferation. Discussions concerning MSMEs encompass a wide scope, as they pertain to the economic well-being of numerous small communities. The present study aspires to ascertain the impact of attitudes and digital financial literacy on performance, as evidenced by the actions of MSMEs in Palu City. This research was conducted employing a survey method, targeting MSMEs operating within the food and beverage sector in Palu City. This study utilizes a quantitative approach, collecting data through the distribution of questionnaires. The population and sample consist of 92 MSMEs in Palu City. The hypotheses were tested using Smart-PLS analysis. The results indicate that financial attitude and digital financial literacy do not significantly influence the performance of MSMEs in Palu City. However, financial management behavior moderates the influence of financial attitude and digital financial literacy on the performance of MSMEs in Palu City.
The Role of Financial Literacy in Post-Disaster Financial Management of MSMEs: A Case Study in Huntap Duyu and Balaroa Sub-districts, Palu City Irma Damaiyanti Lelewana; Vitayanti Fattah; Juliana Kadang; Rian Risendy
The Journal of Financial, Accounting, and Economics Vol. 1 No. 2 (2024)
Publisher : PT. Global World Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58857/JFAE.2024.v01.i02.p02

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in post-disaster economic recovery, including in relocation areas such as Huntap Duyu and Balaroa Sub-districts in Palu City. This study aims to explore the role of financial literacy in MSME financial management practices in both sub-districts. The method used is a qualitative approach with an intrinsic case study, which includes in-depth interviews, participant observation, and documentation to obtain data on the level of financial literacy, financial management practices, and challenges faced by MSME actors. The results of the study indicate that most MSME actors in the area have a low understanding of financial literacy, which is reflected in informal and intuitive financial management practices. However, there are differences between business actors in Duyu and Balaroa, with MSME actors in Duyu being more open to financial training and assistance. This study provides theoretical contributions in the development of financial literacy in the post-disaster context and practical in designing more effective community-based economic empowerment programs. These findings are expected to be the basis for supporting institutions and policy makers in designing more relevant interventions for MSMEs in relocation areas. The right financial education program can help MSMEs improve their business resilience and economic sustainability in the future.
Evaluasi Kinerja Keuangan Koperasi Pegawai Negeri di Kabupaten Sigi melalui Analisis Rasio Keuangan Sanjiwo, Diki Bagus; Fattah, Vitayanti; Zainudin, Fatlina; Samudra, Suryadi
JURNAL MANAJEMEN PENDIDIKAN DAN ILMU SOSIAL Vol. 6 No. 5 (2025): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Agustus-September 2025)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v6i5.6001

Abstract

Penelitian ini bertujuan untuk mengevaluasi kinerja keuangan Koperasi Pegawai Negeri (KPN) yang beroperasi di Kabupaten Sigi dengan menggunakan pendekatan kuantitatif deskriptif. Sampel yang dipilih melalui purposive sampling meliputi koperasi yang secara rutin menyelenggarakan Rapat Anggota Tahunan (RAT), memiliki laporan keuangan yang lengkap, serta terdaftar dan beroperasi di wilayah Sigi. Data kedua terdiri dari laporan keuangan periode 2022-2023 yang diperoleh dari Dinas Koperasi dan UKM Kabupaten Sigi. Metode analisis yang diterapkan adalah analisis rasio keuangan, yang mencakup empat aspek utama: likuiditas, solvabilitas, rentabilitas, dan aktivitas. Penilaian kinerja keuangan didasarkan pada standar penilaian resmi yang tercantum dalam Peraturan Menteri Negara Koperasi dan Usaha Kecil dan Menengah Republik Indonesia Nomor 06/PER/M.KUKM/V/2006. Hasil penelitian menunjukkan bahwa kinerja keuangan koperasi di wilayah tersebut secara umum tidak merata, dengan sebagian besar dikategorikan 'cukup' hingga 'buruk'. Rasio likuiditas yang terlalu tinggi menunjukkan kondisi overlikuid, sementara rasio solvabilitas menunjukkan struktur modal yang relatif stabil. Namun, profitabilitas yang rendah menunjukkan penggunaan ekuitas yang tidak efisien, dan rasio aktivitas menunjukkan efisiensi aset yang kurang optimal dalam mendukung operasional usaha koperasi. Berdasarkan penelitian ini, diperlukan perbaikan berkelanjutan dalam pengelolaan aset, pengembangan unit usaha produktif, serta peningkatan kapasitas manajemen dan sistem penilaian keuangan untuk meningkatkan dan mempertahankan kinerja koperasi dari waktu ke waktu.
PENGARUH MUROTTAL SURAH AR-RAHMAN TERHADAP KECEMASAN PASIEN GAGAL GINJAL KRONIK DI RUANG HEMODIALISA Daniarti, Dian; Novitayanti, Eka
STETHOSCOPE Vol 5 No 2 (2024): STETHOSCOPE
Publisher : Sekolah Tinggi Ilmu Kesehatan Mitra Husada Karanganyar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54877/stethoscope.v5i2.1020

Abstract

ABSTRAKPerawatankecemasanpasienhemodialisadapatmencakupteknikrelaksasi dan distraksi. Alternatifuntukpengobatangangguanfisik, mental, dan psikologisadalahterapimusik spiritual ataumurotal, salah satuterapipsikoreligiussaat ini mulaiberkembang di dunia adalahterapi Al-Qur'an surah Ar-Rahman.UntukmengetahuipengaruhMurottal Surah Ar-Rahmanterhadapkecemasanpasiengagalginjalkronik di ruanghemodialisa.Jenis penelitian yang digunakandalampenelitianiniadalaheksperimentaldenganmetodequasyexperimendenganpendekatantwo group pre-post test design.Jumlahsampeldalampenelitian 48 responden (24 kelompokintervensi dan 24 kelompokkontrolpasiengagalginjal yang melakukanhemodialisa 2x seminggudengantekhnik total sampling, analisis  datamenggunakan uji wilcoxondan analisis uji mann-whitney.Hasil penelitian pada kelompokkontrolpre-post test surah Ar-Rahmanmenunjukkannilai rata-rata kecemasantidakterjadiperubahan yang signifikanPvalue = 0,059 > 0,05. Kelompokeksperimenmenunjukkanadanyaperubahanyaitupenurunan rata-rata tingkatkecemasandarisedangmenjadiringan, P value = 0,002. P value > 0,05 disimpulkanadapengaruhterapiMurottal Surah Ar-Rahmanterhadapkecemasanpasiengagalginjalkronik di ruanghemodialisa.Kata Kunci :Kecemasan, Murottal Surah Ar-Rahman,Hemodialisa THE EFFECT OF MUROTTAL SURAH AR-RAHMAN ON ANXIETY OF CHRONIC KIDNEY FAILURE PATIENTS IN THE HEMODIALYSIS ROOM ABSTRACTTreatment of anxiety in hemodialysis patients can include relaxation and distraction techniques. An alternative for treating physical, mental and psychological disorders is spiritual music therapy or murotal. One of the psychoreligious therapies currently starting to develop in the world is Al-Qur'an Surah Ar-Rahman therapy. To determine the effect of Murottal Surah Ar-Rahman on the anxiety of chronic kidney failure patients in the hemodialysis room. The type of research used in this research is experimental with a quasi-experimental method with a two group pre-post test design approach. The number of samples in the study was 48 respondents (24 intervention groups and 24 control groups of kidney failure patients who underwent hemodialysis twice a week using total sampling technique, data analysis using the Wilcoxon test and Mann-Whitney test analysis. The results of the research in the pre-post test control group of surah Ar-Rahman showed that the average anxiety value did not change significantly, P value = 0.059 > 0.05. The experimental group showed a change, namely a decrease in the average level of anxiety from moderate to mild, P value = 0.002. P value > 0.05, it can be concluded that there is an effect of Murottal Surah Ar-Rahman therapy on the anxiety of chronic kidney failure patients in the hemodialysis room. Keywords: Anxiety, Murottal Surah Ar-Rahman, Hemodialysis
Analisis Efisiensi dan Efektivitas Anggaran Belanja Operasi dan Belanja Modal Daerah Kota Palu Hotimah, Khusnul; Fattah, Vitayanti
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.207

Abstract

Penelitian ini bertujuan untuk menganalisis efisiensi dan efektivitas anggaran serta realisasi belanja operasi dan belanja modal pada Pemerintah Daerah Kota Palu. Penelitian ini dilatarbelakangi oleh pentingnya pengelolaan keuangan daerah yang transparan dan akuntabel guna meningkatkan kualitas pelayanan publik. Metode yang digunakan adalah analisis deskriptif kuantitatif dengan pendekatan rasio realisasi terhadap pagu anggaran untuk mengukur efisiensi, serta pencapaian target program/kegiatan untuk menilai efektivitas. Data yang digunakan adalah laporan realisasi Anggaran Pendapatan dan Belanja Daerah (APBD) Kota Palu dari tahun 2021 hingga 2024. Hasil penelitian menunjukkan bahwa meskipun tingkat efisiensi anggaran tergolong tinggi, efektivitas belanja masih memerlukan perbaikan dalam perencanaan dan implementasi program. Implikasi dari temuan ini menekankan pentingnya penyelarasan antara perencanaan anggaran dan capaian kinerja agar pengelolaan keuangan daerah lebih optimal dan berdampak nyata bagi masyarakat. Selain itu, penelitian ini diharapkan mampu memberikan gambaran komprehensif mengenai kinerja keuangan daerah serta menawarkan rekomendasi kebijakan yang konstruktif untuk pengalokasian dan pemanfaatan anggaran di masa mendatang.
Pengaruh Financial Socialization dan Sikap Keuangan terhadap Penggunaan Paylater pada Gen Z Kota Palu Aulia, Sofiah Dwi; Fattah, Vitayanti; Muslimin, Muslimin; Rianty, Cici
Jurnal Samudra Ekonomi dan Bisnis Vol 16 No 3 (2025): JSEB
Publisher : Fakultas Ekonomi dan Bisnis Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v16i3.11368

Abstract

The development of financial technology (FinTech) has presented digital credit services such as Paylater, which are increasingly popular among Generation Z. This study analyzes the influence of financial socialization and financial attitudes on the use of Paylater among Gen Z in Palu City. Data were collected through an online survey of 100 respondents selected by purposive sampling method and analyzed using structural equation modeling (SEM) with SmartPLS. The results showed that financial socialization and financial attitude have a positive and significant effect on the use of Paylater, with financial attitude having a stronger influence. Individuals with adequate financial understanding and a healthy financial attitude tend to use this service more wisely. These findings emphasize the importance of financial education in encouraging wiser use of Paylater among Gen Z.
The Role of Financial Management in Our Galang Bersama Foundation Lestari Dwi Santi; Vitayanti Fattah; Munawarah; Risnawati
Journal of Humanities, Community Service, and Empowerment Vol. 2 No. 1 (2025)
Publisher : PT. Global World Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58857/JHCSE.2025.v02.i01.p05

Abstract

Financial management is an important aspect in the operation and sustainability of the Galang Bersama Kami Foundation. This study aims to document and analyze the role of financial management at the Galang Bersama Kami Foundation. The research method used is descriptive qualitative with a single case study approach. Data were obtained through interviews with the foundation's management. The findings indicate that the Galang Bersama Kami Foundation has implemented effective and responsible financial management principles. The results of this study also highlight the importance of financial management in supporting the foundation's goals and missions in improving the quality of life of marginalized communities. By implementing good financial management practices, the foundation can ensure that the funds managed are used efficiently and in accordance with the foundation's goals. This study provides the importance of continuity in improving the foundation's financial management capabilities to support the sustainability of community empowerment programs.
PENGARUH PERTUMBUHAN PENJUALAN DAN PROFITABILITAS TERHADAP HARGA SAHAM MELALUI STRUKTUR MODAL SEBAGAI VARIABEL INTERVENING (Studi Kasus Industri Properti yang Terdaftar di Bursa Efek Indonesia) Suo, Abdul Haris; Zainudin, Fatlina; Fattah, Vitayanti
SEGMEN: Jurnal Manajemen dan Bisnis Vol 21, No 1 (2025): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v21i1.9138

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh pertumbuhan penjualan dan profitabilitas terhadap harga saham melalui struktur modal sebagai variabelintervening pada sektor properti yang tercatat di Bursa Efek Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan memanfaatkan data sekunder yang bersumber dari Bursa Efek Indonesia. Data tersebut mencakup rentang waktu tahun 2020 hingga 2023 dan melibatkan sampel sebanyak 21 perusahaan yang dipilih dengan teknik purposive sampling. Analisis data dilakukan dengan menggunakan analisis jalur (path analysis) yang difasilitasi oleh perangkat lunak AMOS 26. Temuan penelitian ini menunjukkan bahwa pertumbuhan pendapatan memberikan dampak positif tetapi tidak signifikan secara statistik pada struktur modal dan harga saham. Di sisi lain, profitabilitas menunjukkan pengaruh negative tetapi signifikan secara terhadap struktur modal sekaligus menunjukkan dampak positif dan substansial pada harga saham. Namun, struktur modal menunjukkan dampak negatif tetapi tidak signifikan secara terhadap harga saham. Akibatnya, struktur modal tidak berfungsi sebagai pemediasi pada dampak pertumbuhan pendapatan dan profitabilitas terhadap harga saham.Kata kunci: Pertumbuhan Penjualan, Profitabilitas, Struktur Modal, Harga Saham
Optimization of Pentahelix Collaboration in Tourism Development Management: Effective Strategies to Overcome Poverty Maskuri Sutomo; Wahyuningsih; Muslimin; Mangun, Nudiatulhuda; Rombe, Elimawaty; Fattah, Vitayanti
JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Vol. 10 No. 2 (2024): JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) MEI
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jkbm.v10i2.11850

Abstract

This study aims to develop a pentahelix collaboration model in tourism development as an effort to reduce poverty levels in Tojo Una-Una Regency, an area with great tourism potential but high poverty rates. In this study, qualitative methods were used, including Focus Group Discussion (FGD) and in-depth inter-views, to collect comprehensive data. SWOT analysis is used to identify strategies that can exploit strengths and opportunities while addressing existing weaknesses and threats. In addition, a matrix analysis is carried out to illustrate the division of roles in each proposed strategy. The findings of this study resulted in eight main strategies, including increasing the attractiveness of ecotourism, fostering re-gional cooperation, and increasing public awareness of environmental protection. This strategy is expected to improve the quality of human resources supporting tourism and strengthen tourism infra-structure in the region. Based on the results of this study, a matrix of collaboration between the government, academics, businesspeople, communities, and media was created, which is expected to be the foundation for joint efforts in overcoming poverty and accelerating tourism development in Tojo Una-Una.
PENDAMPINGAN PENGEMBANGAN LITERASI KEUANGAN DALAM MENINGKATKAN KINERJA UMKM Trimustikapuri, Trimustikapuri; Zainuddin, Fatlina; Fattah, Vitayanti; Samudra, Suryadi
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 5 (2024): Vol. 5 No. 5 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i5.34111

Abstract

Pengabdian ini bertujuan untuk memberikan pendampingan pengembangan literasi keuangan dalam meningkatkan kinerja  pelaku UMKM. Melalui program  pengabdian ini dilakukan berbagai upaya  pendampingan  untuk meningkatkan pengetahuan para pelaku usaha. Metode  sosialisasi   dan metode pelatihan dilakukan   dengan memberikan sosialisasi  literasi keuangan dan pelatihan dalam melakukan pencatatan keuangan ,kemudian  yang terakhir tahap evaluasi. Pelatihan  dan sosialisasi yang telah dilakukan   oleh pendamping UMKM dan pihak pihak yang terkait telah menunjukkan peningkatan yang signifikan. Hasil  evaluasi  menunjukkan bahwa pelaku UMKM mengalami peningkatan dalam literasi keuangan. Mereka memiliki pengetahuan yang lebih baik tentang pengelolaan keuangan, pengelolaan modal usaha, dan implementasi gaya hidup hemat. Hal ini membantu mereka dalam mengelola keuangan bisnis dengan lebih efektif. Mereka memiliki pengetahuan yang lebih baik tentang proses pencatatan transaksi, pengeluaran, hutang piutang, pembayaran hutang piutang, pengiriman invoice digital/cetak struk, dan laporan penjualan dan catatan pengeluaran dan hutang piutang. Pengetahuan yang ditingkatkan ini membantu dalam meningkatkan kemampuan keuangan dan pengelolaan usaha. Dengan demikian, pelaku UMKM dapat mengelola keuangan bisnis dengan lebih baik dan membuat keputusan bisnis yang lebih tepat yang berdampak pada kinerja usaha UMKM.
Co-Authors Abdul Rosid Abdullah, Wiranto S Abu Bakar Adriyani Marwah Ahmad Syahib Hidayat Amir, Andi Mattulada Amirudin, Muhammad Anggraeni Ajeng Prastika Anisah Anisah Anisah Anisah Anisah Anisah Anisah Anonyma, Pipi Ardiansyah Ardiansyah Asriadi Asriadi Aswar Aswar Bakri Hasanuddin Buntuang, Pricylia Chintya Dwi Cahyaningtyas, Anindhita Yudha Christiana Ari P Christiana Arin Proborini Cici Rianty K. Bidin Cici Riyanti K Bidin Daniarti, Dian Darman Darman Darman, Darman Darman, Darman Dewi Wulandari Dwiyanto, Diky Elimawati Rombe Elimawaty Rombe Endi Rustendi Erwan Sastrawan Estiningtyas, Estiningtyas Fadma Aji P Faisal Faisal Farid Farid, Farid Fatlina, Fatlina Fera Fera, Fera Ferry Efendi Gilang Abriani, Nurul Haspira Manungki Hatma Hatma Herawati Herawati Heryati, Lia Hesti Evrianti Husnah Husnah Husnah Husnah Husnah Irma Damaiyanti Lelewana Islianty, Nur Riski Ita Purnama Sari Jayanti, Nur Erika Juliana Kadang Kasim, Mohammad Yunus KHUSNUL HOTIMAH Kusdhiarningsih, Betty Lestari Dwi Santi Manginda, Firma Maskuri Sutomo Mattulada, Andi Moh. Ma’ruf MY Tunggeng Moh. Nutfa Mohammad Nofal MUH. YUNUS KASIM, MUH. YUNUS KASIM Muhammad Akhsin Muflikhun Muhammad Nurochman Muhammad Yunus Kasim Munawarah Musdalifa MUSLIMIN Muslimin Muslimin Nofal, Muhammad Nudiatulhuda Mangun Nur Riski Islianty Nurdin, Dhayani NURDIN, DJAYANI Pipi Anonyma Pramudita, Fadma Aji Pricylia Chintya Dewi Buntuang Rahmayanti, Yeni Nur Rian Risendy Rianty, Cici Rika Lidyah Risnawati Risnawati Risnawati Ritha Safithri Rizkiani Iskandar Rosida P. Adam Saharuddin Sanjiwo, Diki Bagus Sastrawijaya, Jemmi Sri Mulyani Stevi Agriani Tema Suo, Abd Haris Suo, Abdul Haris Surayya Surayya Surayya, Surayya Suryadi Hadi Syahriyani, Syahriyani Syamsiar, Syamsiar Syamsul Bachri Syamsul Bachri Syamsul Bachri Tamrin, Sujianto Tiara Tiara Tri Wulandari Trimustikapuri, Trimustikapuri Utami, Ayu Putri Viane Talundu Wahyuningsih Wijayanti Wijayanti Zainuddin, Fatlina Zainudin, Fatlina Zia’ul Bati Pradiksa