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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah AkMen JURNAL ILMIAH Jurnal Informasi dan Teknologi JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan Jurnal Pengabdian UNDIKMA Yumary: Jurnal Pengabdian kepada Masyarakat Nobel Management Review Daengku: Journal of Humanities and Social Sciences Innovation Edu Cendikia: Jurnal Ilmiah Kependidikan Jurnal Iqtisaduna Golden Ratio of Mapping Idea and Literature Format Golden Ratio of Community Services and Dedication Journal Of Human And Education (JAHE) Jurnal Pengabdian Masyarakat Bidang Sains dan Teknologi Jurnal Sains Manajemen  Nitro Journal of Economic Education and Entrepreneurship Studies SABAJAYA Jurnal Pengabdian Kepada Masyarakat Journal of Embedded Systems, Security and Intelligent Systems Jurnal Bisnis dan Kewirausahaan Journal of Business, Technology, & Social Science Master Manajemen Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Innovative and Creativity Horizon: Indonesian Journal of Multidisciplinary Jurnal Abdimas Multidisiplin Jurnal Medika: Medika Ulil Albab Jurnal Sipakatau Journal of Economic Education and Entrepreneurship Studies Optimal: Jurnal Ekonomi dan Manajemen
- Sri Prilmayanti Awaluddin, -
Institut Teknologi Dan Bisnis Nobel Indonesia
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The Impact of Financial Literacy and Digital Finance Applications on Household Consumption Patterns in the Digital Age: Evidence from Makassar Sri Prilmayanti Awaluddin; Andi Ummul Khair; Eka Wijaya Paula; Faisal Rizal Zainal; Deni Anggreani Sutomo
Jurnal Informasi dan Teknologi 2025, Vol. 7, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.vi0.647

Abstract

This study aims to examine the influence of financial literacy and digital financial applications on household consumption patterns in the digital era, with a case study conducted in Tamalanrea District, Makassar City. The research uses a quantitative associative approach with a multiple linear regression method. Data were collected from 100 household respondents selected through purposive sampling, based on their active use of digital financial services such as e-wallets, mobile banking, and paylater features. The primary variables studied include financial literacy (X₁), digital financial application usage (X₂), and household consumption patterns (Y). The results show that both financial literacy and digital financial application usage significantly affect household consumption patterns, both partially and simultaneously. Financial literacy positively influences rational financial behavior, including budgeting, prioritizing needs over wants, and managing spending. Meanwhile, the use of digital financial applications also positively affects consumption patterns by increasing access and ease of transactions, although it may also trigger impulsive behavior when not controlled by financial awareness. The F-test result shows that the model is statistically significant, with an R² value of 0.627, indicating that 62.7% of the variation in household consumption patterns can be explained by the two independent variables. This study highlights the importance of strengthening digital financial literacy and developing public policies to regulate fintech platforms. Efforts should be directed at building a healthy consumption ecosystem in the digital economy through collaborative efforts between the government, education institutions, and financial technology providers.
Digital Transformation, Public Trust, and Banking Challenges: A Comprehensive Mixed-Methods Analysis Rustan DM; Karlina Ghazalah Rahman; Emily Nur Saidy; Qomariyatus Sholihah; Sri Prilmayanti Awaluddin; Ridwan Danuarta Galisong
Jurnal Ilmiah Akuntansi Kesatuan Vol. 14 No. 3 (2026): JIAKES Edisi Juni 2026
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v14i3.4965

Abstract

Digital transformation creates both opportunities and challenges for banks. The study aims to analyze the challenges and opportunities of digital transformation and public trust in Makassar’s banking sector and develop strategic recommendations to enhance its sustainability and competitiveness. By using a mixed-methods approach that combines qualitative and quantitative elements, this research explores various aspects, ranging from digital promotions, changes in consumer behavior, service quality, and collaboration between financial institutions. The SWOT analysis identifies strengths in effective promotion, opportunities in financial institution collaboration, weaknesses in service quality and digital education, as well as threats in infrastructure complexity and intensification of competition. Through the use of the MICMAC analysis tool, key factors are placed in the context of interdependence relationships and their impact on the banking system. The research results provide in-depth insight into the problems facing the banking sector in Makassar. A number of policy suggestions were proposed, including increasing digital promotion, digital financial literacy, collaboration with financial institutions, and continuous evaluation and monitoring. These policy recommendations can help the banking sector address digital transformation challenges and strengthen public trust. The SWOT and MICMAC analyses provide a foundation for developing effective strategies in the digital banking era.
Pengaruh Manajemen Modal Kerja, Literasi Akuntansi, dan Pengendalian Keuangan Terhadap Profitabilitas UMKM Sri Prilmayanti Awaluddin; Nur Vadila Putri; Eka Novianti Irna Bata Ilyas; Nur Arini Susanti; Tria Haryuni Dammar
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 5 No. 7: Juni 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v5i7.18768

Abstract

Penelitian ini bertujuan menganalisis pengaruh manajemen modal kerja, literasi akuntansi, dan pengendalian keuangan terhadap profitabilitas UMKM di Kota Makassar. Profitabilitas UMKM dipandang tidak hanya sebagai hasil dari peningkatan penjualan, tetapi juga sebagai konsekuensi dari kemampuan pelaku usaha mengelola kas, persediaan, piutang, pencatatan transaksi, serta pengawasan penggunaan dana usaha. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif-kausal. Data primer diperoleh melalui penyebaran kuesioner kepada 120 pelaku UMKM yang telah menjalankan usaha minimal satu tahun dan terlibat langsung dalam pengelolaan keuangan. Instrumen diukur menggunakan skala Likert lima poin dan dianalisis melalui regresi linear berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa manajemen modal kerja berpengaruh positif dan signifikan terhadap profitabilitas UMKM. Literasi akuntansi juga terbukti berpengaruh positif dan menjadi variabel dengan kontribusi paling kuat, menunjukkan bahwa kemampuan memahami pencatatan, laporan laba-rugi sederhana, dan pemisahan keuangan pribadi dengan usaha merupakan dasar penting dalam pengambilan keputusan keuangan. Pengendalian keuangan berpengaruh positif dan signifikan, yang berarti disiplin anggaran, kontrol biaya, dan evaluasi arus kas mampu memperkuat kemampuan UMKM menghasilkan laba. Secara simultan, ketiga variabel menjelaskan 63,8 persen variasi profitabilitas UMKM. Temuan ini menegaskan bahwa profitabilitas UMKM tidak hanya ditentukan oleh besarnya omzet, tetapi oleh integrasi antara pengelolaan modal kerja, literasi akuntansi, dan pengendalian keuangan yang konsisten. Implikasi penelitian ini menekankan perlunya pendampingan UMKM yang tidak berhenti pada akses pembiayaan, tetapi juga memperkuat kapasitas pencatatan, perencanaan kas, dan kontrol penggunaan dana. Dengan demikian, peningkatan profitabilitas UMKM perlu dipahami sebagai proses manajerial yang bertumpu pada kualitas keputusan keuangan harian secara terukur, disiplin, berkelanjutan, dan sesuai kebutuhan usaha lokal.
Optimalisasi Media Sosial sebagai Sarana Pemasaran Digital UMKM di Desa Rompegading, Maros, Sulawesi Selatan Iradat Rayhan Sofyan; Sylvia Sylvia; Sri Prilmayanti Awaluddin; Harlindah Harniati Arfan; Basri Rakhman
Jurnal Medika: Medika in progres
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/2054hc04

Abstract

Optimalisasi media sosial sebagai sarana pemasaran digital menjadi kebutuhan penting bagi UMKM dalam menghadapi persaingan di era ekonomi digital. Namun, keterbatasan literasi digital dan kemampuan teknis masih menjadi kendala utama, khususnya pada pelaku UMKM di Desa Rompegading, Kabupaten Maros. Kegiatan pengabdian ini bertujuan untuk meningkatkan kapasitas UMKM dalam memanfaatkan media sosial secara strategis melalui pelatihan berbasis praktik. Metode yang digunakan adalah pendekatan andragogi dan experiential learning yang dilaksanakan melalui tahapan identifikasi masalah, pelatihan, demonstrasi, praktik langsung, pendampingan, dan evaluasi. Peserta kegiatan berjumlah 25 pelaku UMKM. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan sebesar 32% berdasarkan hasil pre-test dan post-test, serta peningkatan keterampilan dalam pembuatan konten promosi yang lebih menarik dan terstruktur. Selain itu, terjadi peningkatan frekuensi penggunaan media sosial dan interaksi dengan pelanggan. Temuan ini menunjukkan bahwa pelatihan berbasis praktik efektif dalam meningkatkan literasi digital dan keterampilan pemasaran UMKM. Kegiatan ini memiliki implikasi penting dalam mendukung penguatan daya saing UMKM berbasis digital, meskipun diperlukan pendampingan berkelanjutan untuk menghasilkan dampak ekonomi yang lebih optimal.
Solusi Inovatif Mesin Peras Santan dan Oven Serbaguna untuk Peningkatan Kualitas VCO Sri Prilmayanti Awaluddin; Januar Kulsaputro; Saldy Hapiwaty; Muntasir Muntasir
Yumary: Jurnal Pengabdian kepada Masyarakat Vol 6 No 3 (2026): Maret
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v6i3.5488

Abstract

Purpose: This study analyzes the effectiveness of a coconut milk pressing machine and multi-purpose oven in improving the quality, production capacity, and income of the Kitasuka Virgin Coconut Oil (VCO) Micro-Business. Methodology: The research used a mixed-methods approach based on Participatory Action Research (PAR) at the Inaayu Natural Micro-Business, Pangkep Regency. Data were collected through observation, interviews, and documentation, then analyzed descriptively and qualitatively. Results: The technology implementation successfully increased VCO production capacity from 250-300 liters per month to 300-500 liters. Partners' average monthly income rose significantly from IDR 35.5 million to IDR 63 million. The VCO quality also improved in clarity, shelf life, and production hygiene. Conclusions: The innovative technologies effectively boosted the micro-business's production capacity and product quality, leading to a substantial increase in monthly revenue. The PAR approach, which actively involved partners, was key to the program's success and sustainability. Limitations: This research was limited to a single micro-enterprise location and a relatively short time period. Generalizing the findings requires further study with a broader scope. Contributions: This research makes a practical contribution to the development of agro-industrial micro-enterprises through the application of appropriate technology. Academically, it enriches the literature on technology-based community empowerment and production innovation in small-scale industries.
The Effect of Income, Work Experience, Number of Family Members on Household Consumption: The Mediating of Lifestyle Sri Prilmayanti; Al Kausar
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.v13i6.3808

Abstract

Household consumption among university lecturers is influenced by income, work experience, family size, and lifestyle, which reflects personal preferences and social factors. This study examines how income, work experience, and family size affect household consumption, with lifestyle as a mediating variable, among lecturers in Makassar. A quantitative explanatory design was employed, surveying 200 lecturers (100 from public and 100 from private universities) using structured questionnaires. Data were analyzed through Structural Equation Modeling with Partial Least Squares (PLS-SEM). Results show that income and work experience significantly influence lifestyle, while family size does not. Lifestyle strongly mediates the relationship between economic factors and household consumption, with indirect effects confirming that income and work experience affect spending through lifestyle. These findings underscore lifestyle as a critical behavioral channel linking personal economic factors to consumption patterns. The study contributes theoretically by supporting consumption and lifestyle models in behavioral economics and offers practical implications for universities and policymakers to consider income and lifestyle in designing welfare and financial literacy programs for lecturers.
Optimalisasi Pengelolaan Keuangan UMKM melalui Penerapan Aplikasi Keuangan Digital Berbasis Mobile: Pengabdian Sri Prilmayanti Awaluddin; Muslim; Murtiadi Awaluddin; Emily Nur Saidy; Nurhaedah
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

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

Abstract

Pengabdian kepada masyarakat ini bertujuan mengoptimalkan pengelolaan keuangan UMKM melalui penerapan aplikasi keuangan digital berbasis mobile. Permasalahan yang dihadapi UMKM umumnya meliputi pencatatan transaksi yang tidak konsisten, pencampuran keuangan usaha dan pribadi, rendahnya kemampuan menyusun laporan sederhana, serta minimnya pemanfaatan data transaksi untuk keputusan bisnis. Program dilaksanakan pada pelaku UMKM di Koridor Jalan Somba Opu, Kelurahan Bulo Gading, Kecamatan Ujung Pandang, dengan pendekatan pelatihan dan pendampingan berbasis praktik. Tahapan kegiatan meliputi asesmen kebutuhan, penyusunan materi dan kategori transaksi minimum, pelatihan instalasi serta penggunaan aplikasi, praktik input transaksi menggunakan data riil usaha, pendampingan koreksi dan rekonsiliasi kas, serta evaluasi melalui pre-test/post-test dan pemeriksaan kelengkapan catatan. Hasil kegiatan menunjukkan peningkatan kedisiplinan pencatatan harian melalui SOP sederhana “tutup kas” dan penggunaan kategori transaksi minimum. Peserta mulai menerapkan pemisahan kas usaha dan pribadi dengan pencatatan setoran serta pengambilan pemilik secara terpisah, sehingga arus kas usaha lebih terukur. Output utama berupa rekam transaksi yang lebih rapi serta kemampuan menghasilkan laporan ringkas (arus kas dan laba-rugi sederhana) dari aplikasi, yang kemudian digunakan untuk mengidentifikasi biaya dominan dan melakukan kontrol biaya. Temuan juga menunjukkan bahwa keberlanjutan penggunaan aplikasi sangat dipengaruhi oleh pendampingan awal, mekanisme koreksi input, serta monitoring berkala agar kebiasaan mencatat tidak berhenti setelah pelatihan. Program ini menegaskan bahwa digitalisasi keuangan UMKM efektif apabila diarahkan pada perubahan perilaku pencatatan, pemisahan kas, dan review laporan secara rutin.
Building Islamic Financial Literacy in Papua: Opportunities and Challenges Hasbiah Hasbiah; Nanda Yuda Putri Aisyah; Karfin Karfin; Raihana Hasni Ladaku; Sri Prilmayanti Awaluddin
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 6 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku4639

Abstract

Islamic financial literacy is a crucial foundation for promoting inclusive and equitable economic growth, particularly in Eastern Indonesia, including Papua. Low literacy levels, limited access to Islamic financial institutions, and insufficient understanding of Islamic economic principles present significant challenges for developing a robust Sharia-based financial system in the region. This study aims to analyze the current state of Islamic financial literacy in Papua, identify development opportunities, and evaluate challenges from social, cultural, infrastructural, and institutional perspectives. A descriptive qualitative approach was employed, reviewing literature, reports from the Financial Services Authority (OJK), Bank Indonesia, the Central Statistics Agency (BPS), and relevant academic studies. The analysis focused on socio-cultural, economic, institutional, and digital technology aspects. The results indicate that Islamic financial literacy in Papua remains low, especially in remote areas, but significant opportunities exist through digitalization, strengthening local financial institutions, leveraging educational institutions, and multi-stakeholder collaboration. Community-based approaches that integrate local wisdom, such as the values of mutual cooperation and deliberation, are effective in increasing understanding and acceptance of Sharia financial principles. In conclusion, enhancing Islamic financial literacy in Papua not only improves financial inclusion but also fosters an ethical, sustainable, and equitable economic ecosystem, supporting socio-economic transformation based on Islamic values.
Investment and Labor Absorption on Poverty Levels through the Dynamics of Economic Growth in West Papua Hasbiah; Nur Imam Saifuloh; Deni Anggreani Sutomo; Erwin Horas; Sri Prilmayanti Awaluddin
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 4 (2025): JIAKES Edisi Agustus 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i4.3524

Abstract

Poverty in Indonesia is not only caused by low income but also by limited access to education, health, and basic services. West Papua has a high poverty rate compared to the national average, suggesting that economic growth and investment have not been effective in reducing it. This study aims to analyze the impact of investment and labor absorption on poverty through economic growth in West Papua. The research method used BPS secondary data from 13 districts/cities during 2011–2023, analyzed with Eviews 13 and Microsoft Excel. Panel data regression with Chow, Hausman, and Lagrange Multiplier tests is used to determine the best model, as well as regression tests, R², and F-tests to measure relationships between variables. The results showed that investment and GDP growth significantly reduced poverty, while labor absorption had no significant effect. The impact of investment depends on the sector and the distribution of benefits, while economic growth has the greatest influence on poverty reduction. Therefore, policies must direct investment to labor-intensive sectors, improve the quality of the workforce, and ensure inclusive economic growth so that the benefits are evenly distributed throughout society.
Inovasi Camilan Sehat Ikan Bandeng Tingkatkan Gizi Remaja Putri Pangkajene Sri Prilmayanti Awaluddin; Rustam Rustam; Andi ummul Khair; Indrawan Azis; Nurani Nurani; Muntasir Muntasir
Jurnal Abdimas Multidisiplin Vol 4 No 1 (2025): Oktober
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jamu.v4i1.5269

Abstract

Purpose: This service aims to increase the knowledge and skills of young women in processing milkfish into healthy snacks that are appealing, thus promoting better nutritional intake and economic opportunities in Bonto Langkasa, Minasa Te’ne District, Pangkajene and Islands Regency. Methodology/approach: This activity was carried out in Bonto Langkasa with participating adolescent girls as the main target. The project adopted a participatory approach, including nutritional counseling, hands-on training using simple, locally sourced tools, and digital marketing workshops. Materials used were fresh milkfish, healthy additives, and packaging sourced from local markets. Pre- and post-tests, as well as follow-up surveys, were conducted to measure changes in knowledge, skills, and snack production rates. Results/findings: The program successfully increased participants’ knowledge about nutrition and practical skills in producing healthy milkfish-based snacks. Several participants started small-scale production, selling snacks in their communities. The project also improved participants' digital marketing competencies. Conclusion: Community service that focuses on innovative, healthy snacks using local resources, such as milkfish, can bridge nutritional knowledge-practice gaps, contribute to adolescent health, and foster economic opportunities for young women. This model is sustainable and replicable in other fishing communities. Limitations: Milkfish snack innovation is limited by simple technology, cultural preferences, basic nutritional focus, limited digital marketing, and narrow youth coverage, requiring further studies in other regions. Contribution: The contribution of this community service is to enhance nutritional knowledge, and develop healthy snack production skills, empower young women economically, optimize local milkfish production, and expand marketing through digital means.
Co-Authors A. Asriani Abd. Rahman Abd. Rajab Abdullah Abdullah Adetya, Resty Adijah S, Andi Adijah S Agustina Akbar Awaluddin Al Kausar Andi Adijah Andi Ummul Khair Andi ummul Khair Anugrah Putri, Fara Reza Asriani Azis, Siti Yuki Oktafitriah Basri Rakhman Ciptoadi, Agus Dahono Dammar, Tria Haryuni Darwin, Dirmansyah Deni Anggreani Sutomo Dhita Pratiwi Djafar, Laode Muhammad Said Lutsfi Konstinia DM, M. Rustan Edon, Caro David Hadel Eka Novianti Irna Bata Ilyas Elis Elis Elis, Elis Emily Nur Saidy Emily Nur Saidy Emily Nur Saidy Emily Nur Saidy Erwin Horas Faisal Rizal Zainal Fhahri Mubarak Fitriany Fitriany, Fitriany Giati Rahayu Haeranah Haijal, Ahmad Hari Rarindo Harlindah Harniati Arfan Hasbiah Hasbiah Ilham Gani Ilyas, Eka Novianti Irna Bata Imran, Un Dini Indrawan Azis Iradat Rayhan Sofyan Januar Kulsaputro Kamaluddin, La Ode Amijaya Karfin Karfin Khairuddin - Kurnia Mauliani Ilahi Kurnia Mauliani Ilahi La Ode Amijaya Kamaluddin Laode Muhammad Said Lutsfi Konstinia Djafar Lewi Jutomo Lilik Handayani M Kurniawan Thalib M, Mariati Madrianah Malle, Syarif Syharir Maulidah, Fitria Mayners, Marline Mufti Heriyanti Munawar Muhammad Assaibin Muhammad Ikbal Muhammad Zul Fahmi Muhammad Zul Fahmi Muin, Asri Nur Muntasir, Muntasir Murtiadi Awaluddin Muslim Mustakin Sahdan Mustamin Nadra Aga Iryani Nadra Aga Iryani Nadra Aga Iryani Nanda Yuda Putri Aisyah Ningsih, Puspa Norhaedah Nugraha Abhull Azwad Nur Arini Susanti Nur Imam Saifuloh Nur Vadila Putri Nur Vadila Putri, Nur Vadila Nurani Nurani Nurani Nurani Nurani Nurani Nurani Nurani Nurani Nurdjanna Fadjrin Uluputty Nurhaedah Nurhikma Awaluddin Nurlaela Padang, Dirgaraya Kala’ Paula Eka Wijaya Pratiwi, Cinda Purnawan, Sigit Putri Inggrid Maria Risamasu Putri, Hera Nur Qomariyatus Sholihah R. Rahmawati Rahman, Abd. Rahman, Karlina Ghazalah Rahmatia Rahmatia Raihana Hasni Ladaku Rasdi , Rasdi Reski , Reski Ridwan Danuarta Galisong Rosnani Said Rosnani Said Rulyanti Susi Wardhani Rustam Rustam Rustam Rustam Rustan DM Rustan DM Rustan DM Rustan, Rustan Sahdan, Mustakim Saidy, Emily Nur Saldy Hapiwaty Salim Sultan Sitti Hartini Rachman Susanti, Nur Arini Suyuti, Muhammad Gazali Syarif Syharir Malle Sylvia Sylvia Tadeus Andreas Lada Regaletha Tamriesfatno, Sigrid Thahir, Taufik Thalib, M Kurniawan Tria Haryuni Dammar Un Dini Imran Weraman, Pius Yoseph Kenjam Yuli Rahmini Suci Yuniza, Tri Fira