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All Journal Jurnal Manajemen Bisnis Sains: Jurnal Manajemen dan Bisnis Journal of Accounting and Investment Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks Agregat: Jurnal Ekonomi dan Bisnis Jurnal Analisis Bisnis Ekonomi MATAPPA: Jurnal Pengabdian Kepada Masyarakat SENTRALISASI Martabe : Jurnal Pengabdian Kepada Masyarakat CAM JOURNAL: Change Agent For Management Journal Penentuan harga obligasi dan teori tingkat bunga Jurnal Ilmiah Edunomika (JIE) Reswara: Jurnal Pengabdian Kepada Masyarakat Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA) Journal of Islamic Economic and Business Research Arus Jurnal Sosial dan Humaniora Universitas Muhammadiyah Yogyakarta Undergraduate Conference Proceeding International Journal of Management Science and Information Technology (IJMSIT) Society: Jurnal Pengabdian Masyarakat Journal Of World Science Prosiding Seminar Nasional Program Pengabdian Masyarakat PUBLICA: Jurnal Pengabdian Masyarakat Nusantara Technology and Engineering Review Jurnal Analisis Bisnis Ekonomi
Kusumawati, Rita
Universitas Muhammadiyah Yogyakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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PENINGKATAN DAYA SAING USAHA OLAHAN PANGAN (PEYEK KACANG DAN EMPING MELINJO) Kusumawati, Rita; Akhbar, Taufik; Akmalia, Alien
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 4, No 1 (2021): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v4i1.199-207

Abstract

This programe aims to help partners to be more independent and improve their business competitiveness. Business partners in this program are Peyek Bu Dalidjo and melinjo chips "Sari Melinjo" where located in Kamijoro. Kamijoro is located in Sendangsari Village, Pajangan sub-district, Bantul Regency, Yogyakarta. This hamlet is located ± 15 Km to the southwest of the city of Yogyakarta which is exactly 8 km west of the city of Bantul. The village of Kamijoro is located in the heart of the capital of the Pajangan sub-district. The livelihoods of the people of Kamijoro are quite diverse, not a few among the inhabitants of this hamlet who make a living as entrepreneurs, including both partners in this program.Problems faced by the two partners include: 1) limited marketing aspects; 2) An improper business nameplate; 3) unfavorable business financial administration. The results of this program are: 1) Peyek bu Dalidjo and melinjo chips “Sari Melinjo” have an attractive label design and packaging; 2) Both partners expand marketing strategies through online marketing media and offline media; 3) both partners have a proper business name board; 4) partners understand and are able to make business cash flow records  
Corporate Social Responsibility's (CSR) Impact on Financial Performance: Moderating Effects of Earnings Management and Leverage Kusumawati, Rita; Asyilah, Nurul Hilmi; Bukhori, Iskandar
Jurnal Manajemen Bisnis Vol. 13 No. 2: September 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v13i2.12888

Abstract

Research aims: This research attempts to test the impact of CSR on financial performance, with earnings management and leverage acting as moderating factors.Design/Methodology/Approach: The manufacturing companies listed on the Indonesia Stock Exchange (IDX) from 2015 to 2019 served as the study object. Purposive sampling was utilized in sample selection, yielding 228 samples. Multiple linear regression and moderated regression analysis were the analytical techniques used in this study, with the EViews 10 program being used for the fixed effect model.Research finding: The analysis results indicated that CSR had no significant effect on financial performance; earnings management could not moderate the influence of CSR on financial performance; leverage could moderate the effect of CSR on financial performanceTheoretical contribution/Originality: The study's findings offer insight and input for company management in terms of implementing CSR and its relation to company performance.Practitioner/Policy implication: The findings of this study should be helpful to stakeholders in selecting how to implement a CSR program in their company.Research limitation/Implication: This study only uses ROE as an indicator of financial performance, the research period is only 5 years, and CSR data is only based on what is stated in the company's financial statements.
PELATIHAN PENGELOLAAN SAMPAH RUMAH TANGGA MENJADI ECO ENZYME DI DUSUN KASIHAN BANTUL YOGYAKARTA. Rita Kusumawati; Anggun Widyawati; Bagaskara Dwitya Bima Asmara; Fadila Rizka Afifi; Fahmi Hanif; Muhammad Rizki Kadapi; Narafraz Oktabella; Nurfadni Ramailis; Ridho Wahyu Hidayat; Rizki Ramadhan
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 6 (2023): martabe : jurnal pengabdian kepada masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v6i6.2098-2102

Abstract

Sampah merupakan masalah serius yang dihadapi oleh masyarakat modern di seluruh dunia. Dibutuhkan pengelolaan yang baik dan berkelanjutan agar tercipta lingkungan yang sehat dan lestari. Pengolahan sampah menjadi eco enzyme memiliki potensi besar untuk mengurangi dampak negative sampah terhadap lingkungan dan menciptakan system yang berkelanjutan. Pengabdian masyarakat ini dilakukan di wilayah dusun Kasihan Tamantirto Bantul. Program ini bertujuan untuk meningkatkan kesadaran, minat, dan keahlian masyarakat dalam mengelola sampah organik menjadi eco enzyme. Metode pelaksanaannya mencakup penyampaian ceramah, demonstrasi, dan pelaksanaan praktik. Hasil dari program ini adalah ibu-ibu PKK dusun Kasihan memiliki ketrampilan dalam pengolahan sampah menajdi eco enzyme.
Pelatihan Packaging bagi UMKM Binaan MEK Ambarketawang Selatan dalam Rangka Peningkatan Kapasitas UMKM Agus Tri Basuki; Rita Kusumawati
PUBLICA: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 2 (2026): PUBLICA: Jurnal Pengabdian Kepada Masyarakat, April 2026
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/publica.v4i2.87

Abstract

Pengabdian kepada masyarakat merupakan salah satu bentuk implementasi peran perguruan tinggi dalam memberdayakan masyarakat dan menjawab tantangan riil yang dihadapi oleh pelaku usaha di tingkat lokal. Kegiatan pengabdian ini diselenggarakan oleh dosen Universitas Muhammadiyah Yogyakarta (UMY) bekerja sama dengan Majelis Ekonomi PRM Ambarketawang Selatan, Gamping, Sleman, dengan tema “Peningkatan Kapasitas UMKM Binaan MEK Ambarketawang Melalui Pelatihan Packaging dan Pengelolaan Keuangan”. Kegiatan ini dilaksanakan pada 3 Mei 2025 di Masjid Gedhe Ambarketawang dan diikuti oleh 25 pelaku UMKM dari berbagai sektor, khususnya kuliner. Tujuan utama dari kegiatan ini adalah meningkatkan daya saing dan keberlanjutan usaha mikro, kecil, dan menengah melalui pelatihan strategis terkait kemasan produk yang menarik dan legal, serta pengelolaan keuangan yang akurat dan mudah diaplikasikan. Metode pelaksanaan terdiri dari ceramah interaktif, studi kasus, simulasi laporan keuangan, dan sesi tanya jawab. Materi pelatihan disampaikan oleh tiga narasumber dari UMY, yaitu Dr. Agus Tri Basuki, SE., M.Si., yang membahas kontribusi UMKM terhadap pembangunan ekonomi; Rita Kusumawati, SE., M.Si., yang menyampaikan model pelaporan keuangan untuk UMKM; serta Dr. Lalu Supardin, SE., MM., yang memaparkan strategi peningkatan omset melalui kemasan produk. Hasil pelatihan menunjukkan antusiasme tinggi peserta, terlihat dari keaktifan mereka dalam diskusi serta keinginan untuk memperoleh pelatihan lanjutan seperti pemasaran digital dan pembuatan proposal bisnis. Kegiatan ini tidak hanya memberikan pengetahuan, tetapi juga memperkuat kolaborasi antara akademisi dan masyarakat dalam mendukung kemandirian ekonomi lokal. Selain itu, kegiatan ini ditutup dengan pemberian bantuan berupa perangkat pendukung operasional kepada pengurus PRM Ambarketawang Selatan sebagai wujud keberlanjutan program. Pengabdian ini menunjukkan bahwa pelatihan tematik berbasis kebutuhan riil UMKM sangat relevan dan bermanfaat dalam meningkatkan kapasitas usaha secara konkret.
From Financial Literacy to Financial Behavior: The Mediating Role of Behavioral Intention Among Generation Z University Students Rita Kusumawati; Nabilah Cahya Ningrum
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5452

Abstract

This study aims to analyze the effect of financial literacy and financial attitudes on financial behavior, mediated by behavioral intentions, among Management students at Muhammadiyah University Yogyakarta. The subjects in this study were active students enrolled in the Management program at Muhammadiyah University Yogyakarta. In this study, the sample consisted of 340 respondents selected through purposive sampling. The analysis tool used was SmartPLS 4.1.1.4 software. Based on the analysis, it was found that financial literacy and financial attitudes had a positive and significant effect on financial behavior. Behavioral intention significantly mediated the effect of financial literacy and financial attitudes on financial behavior. 
Pengaruh Profitabilitas, Leverage, dan Ukuran Perusahaan terhadap Kebijakan Dividen dengan Likuiditas sebagai Variabel Moderasi Rita Kusumawati; Wina Melani
Arus Jurnal Sosial dan Humaniora Vol 6 No 1: April (2026)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v6i1.2397

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh profitabilitas, leverage, dan ukuran perusahaan terhadap kebijakan dividen dengan likuiditas sebagai variabel moderasi pada perusahaan manufaktur sub sektor barang konsumsi primer yang terdaftar di Bursa Efek Indonesia (BEI) pada periode 2021-2024.  Jenis dari penelitian ini yaitu kuantitatif dan menggunakan data sekunder yang bersumber dari laporan keuangan tahunan perusahaan. Sampel penelitian ini sebanyak 152, yang didapatkan melalui metode purposive sampling. Teknik analisis data dari peneltian ini yaitu analisis regresi linier berganda dan moderated regression analysis (MRA). Alat analisis yang digunakan penelitian ini yaitu EViews 13. Hasil dari penelitian menunjukkan bahwa profitabilitas dan leverage berpengaruh posituf signifikan terhadap kebijakan dividen sedangkan ukuran perusahaan negatif signifikan terhadap kebijakan dividen. Selanjutnya, likuiditas mampu memoderasi profitabilitas terhadap kebijakan dividen sedangkan likuiditas tidak mampu memoderasi leverage terhadap kebijakan dividen, likuiditas mampu memoderasi ukuran perusahaan terhadap kebijakan dividen dengan arah memperlemah. Penelitian ini berkontribusi pada pengembangan literatur manajemen keuangan, khususnya dalam kajian kebijakan dividen, melalui pengujian pengaruh profitabilitas, leverage, dan ukuran perusahaan dengan memasukkan likuiditas sebagai variabel moderasi. Kontribusi utama penelitian ini terletak pada penyediaan bukti empiris mengenai peran faktor-faktor keuangan dan kondisi likuiditas dalam proses pengambilan keputusan manajerial terkait pembagian dividen. Temuan penelitian ini diharapkan dapat memperkaya referensi akademik mengenai kebijakan dividen serta menjadi rujukan bagi penelitian selanjutnya yang mengkaji kebijakan dividen pada perusahaan di Indonesia.  Perusahaan disarankan untuk meningkatkan profitabilitas dan mengelola leverage secara bijak guna menjaga struktur pendanaan yang sehat serta mendukung konsistensi pembagian dividen, dengan menitikberatkan pada kinerja keuangan dan arus kas, bukan ukuran perusahaan. Bagi investor, profitabilitas dan leverage menjadi indikator penting dalam menilai potensi dividen, sehingga keputusan investasi sebaiknya didasarkan pada analisis laba, struktur permodalan, stabilitas arus kas, dan kualitas laporan keuangan. Sementara itu, peneliti selanjutnya disarankan memperluas objek dan periode penelitian agar memperoleh hasil yang lebih komprehensif dan mencerminkan kondisi jangka panjang.  Penelitian ini memiliki keterbatasan berupa ketergantungan pada data sekunder, keterbatasan jumlah sampel akibat perusahaan tidak secara rutin membagikan dividen, serta periode pengamatan yang singkat.
Driving Financial Performance In The Digital Era: The Strategic Roles Of Financial Literacy, Fintech, and Financial Inclusion Rita Kusumawati; Selvia Putri Yasmara
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 3 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i3.20597

Abstract

This study aims to analyze the effect of financial literacy and financial technology on the financial performance of MSMEs in Yogyakarta, both directly and indirectly through financial inclusion as a mediating variable. The population in this study consists of Micro, Small, and Medium Enterprises (MSMEs) located in the City of Yogyakarta. A quantitative approach was used with a sample of 217 MSME respondents. Data were collected through a questionnaire distributed via Google Form and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that financial literacy and financial technology have a positive and significant effect on the financial inclusion of MSMEs. Furthermore, financial inclusion also has a positive and significant effect on the financial performance of MSMEs. Financial literacy and financial technology also have a direct positive effect on financial performance. The mediation analysis reveals that financial inclusion can mediate the effect of financial literacy and financial technology on the financial performance of MSMEs. This study can strengthen previous theories regarding the effect of financial literacy and financial technology on financial performance, as well as the role of financial inclusion as a mediating variable. This study has implications for researchers in gaining a deeper understanding of financial practices in the business world, particularly in the MSME sector. The limitations of this study are confined to certain factors, so it has not included other variables that could potentially affect the financial performance of MSMEs, such as financial attitude and financial management.
Determinants of Saving Behavior in Higher Education: Evidence from Indonesian University Students Rita Kusumawati; Ahma Zainuri
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5891

Abstract

Despite the rapid expansion of digital financial services, improved access to financial products does not automatically foster responsible saving behaviour among young adults. This paradox highlights the need to examine saving behaviour through a more integrative theoretical lens that combines cognitive, structural, social and psychological determinants. Drawing upon the financial capability frameworks and behavioural control perspective, this study investigates the role of financial literacy, financial inclusion, peer influence and self-control in shaping students' saving behaviour. This study employed a quantitative approach by collecting survey data from undergraduate students at Universitas Muhammadiyah Yogyakarta. A total of 323 valid responses were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). Financial literacy and financial inclusion represent the cognitive and structural dimensions of financial capability, while peer influence captures social normative pressures, and self-control reflects internal behavioural regulation. The findings indicate that all four variables significantly and positively influence saving behaviour. Importantly, the results demonstrate that financial knowledge and access alone are insufficient; social interaction and self-regulatory capacity play a crucial role in transforming financial capability into actual saving practices.  
Co-Authors A'zizah, Laila Osiana Fitria Agus Tri Basuki Ahma Zainuri Akhbar, Taufik Akmalia, Alien Almi, Nuraisyah Ayumi Anggun Widyawati Aprilianti, Poppy Asyilah, Nurul Hilmi Azhar Fitriyani Azizah, Wardah Ma’rifatul Bagaskara Dwitya Bima Asmara Bukhori, Iskandar Candra Kusuma Wardana, Candra Kusuma Condro Prakoso, Dwi Nur Dwi Nur Condro Prakoso Ernanda, M. Ricki Bagus Fadila Rizka Afifi Fahmi Hanif Faradila Puteri Findasari Fathurrohman, Rofi Ghiffara, Mustafad Hadiyanto , Achmad Faisal Hanif, Malik Herbenita, Herzalina Hidayat, Qoori Hiola, Maryam Anggun Jaboob, Mohammed Mian, Margareta Angelina Muchamad Imam Bintoro Muchamad Imam Bintoro Muhammad Rizki Kadapi Muhammad Thoriq Kamal Munandar, Bambang Tri Munandar, Bambang Tri Nabilah Cahya Ningrum Nadia, Linda Putri Nandita, Asna Narafraz Oktabella Natasha, Fira Novel Idris Abas Nuning Kriesnawati Nurafiati, Lasty Nurfadni Ramailis Prasetya, Gede Guruh Puspaningrum, Rosita Putra, M. Rahman Alin Reisady Birnanitta Ridho Wahyu Hidayat Rita Kusumawati Rizki Ramadhan Rosady, Irham Rosady, Irham Selvia Putri Yasmara Susilowati, Firti Susilowati Susilowati, Firti Susilowati Syahro Fitriyah, Nursaadah Taufik Akbar Wijayanti, Asti Fadhila Wina Melani