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All Journal Owner : Riset dan Jurnal Akuntansi Jurnal Pengabdian Magister Pendidikan IPA GANEC SWARA Jurnal Administrasi dan Manajemen Valid Jurnal Ilmiah Target : Jurnal Manajemen Bisnis Journal of Economics and Business UBS Jurnal Abdimas Sangkabira MUSLIMPRENEUR : Jurnal Ekonomi dan Kajian Keislaman Jurnal Abdimas Musi Charitas Jurnal Pengabdian Masyarakat Bangsa Jurnal Aplikasi Perpajakan Jurnal Abdi Anjani Jurnal Abdimas Independen JIAI (Jurnal Ilmiah Akuntansi Indonesia) Ganec Swara
Nila Rahayu
Jurusan Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Mataram, Kota Mataram, Indonesia.
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Optimalisasi Perencanaan Keuangan melalui Pasar Modal pada Mahasiswa Politeknik Pariwisata Lombok Adrianda Anwar; Nila Rahayu; Yeldy Dwi Genadi; I.G.A Arista Pradnyani; Zamroni Alpian Muhtarom
Jurnal Abdi Anjani Vol 3 No 2 (2025): Jurnal Abdi Anjani (JAA)
Publisher : Program Studi Pariwisata, Fakultas Ekonomi dan Bisnis,Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/anjani.v3i2.2578

Abstract

Tingkat literasi keuangan di kalangan mahasiswa masih tergolong rendah, terutama dalam hal perencanaan keuangan jangka panjang dan pemanfaatan instrumen investasi yang legal serta produktif. Mahasiswa Politeknik Pariwisata Lombok sebagai calon pelaku industri pariwisata perlu dibekali kemampuan mengelola keuangan pribadi secara bijak agar mampu menghadapi dinamika ekonomi di masa depan. Kegiatan pengabdian masyarakat ini bertujuan meningkatkan pengetahuan dan keterampilan mahasiswa dalam menyusun perencanaan keuangan melalui pemanfaatan pasar modal. Kegiatan dilaksanakan pada 07 Mei 2025 oleh tim dosen Politeknik Pariwisata Lombok bekerja sama dengan Bursa Efek Indonesia (BEI) dan NH Korindo Sekuritas Indonesia. Metode pelaksanaan meliputi ceramah interaktif, pelatihan simulasi investasi, diskusi kelompok, dan pendampingan penyusunan rencana keuangan pribadi. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman mahasiswa terhadap konsep investasi, perubahan perilaku keuangan, serta munculnya motivasi untuk berinvestasi secara bertanggung jawab. Selain itu, kegiatan ini mendorong terbentuknya Galeri Investasi Syariah Bursa Efek Indonesia sebagai wadah edukasi berkelanjutan di kampus. Secara keseluruhan, kegiatan ini menegaskan pentingnya kolaborasi antara perguruan tinggi dan industri keuangan dalam membangun budaya literasi finansial di kalangan generasi muda
Edukasi Perilaku Investasi dan Penguatan Keputusan Finansial Investor Ritel di Kecamatan Praya Lombok Barat Adrianda Anwar; I Gusti Agung Arista Pradnyani; Nila Rahayu; Yeldy Dwi Genadi
Jurnal Pengabdian Magister Pendidikan IPA Vol 9 No 2 (2026): April-Juni 2026
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jpmpi.v9i2.15500

Abstract

This community service activity aimed to strengthen public understanding of investment behavior and improve financial decision-making among retail investors in Praya, Central Lombok Regency. The main challenges faced by the community included low levels of financial literacy, limited understanding of investment risks, and the strong influence of psychological factors in investment decision-making processes. The program was implemented through several methods, including socialization, educational sessions, interactive discussions, and simple simulations related to investment behavior, risk management, and rational investment decision-making. The target participants consisted of the general public, university students, and beginner investors who had started to show interest in digital investment and capital markets. The results of the activity indicated that participants experienced improved understanding regarding the importance of financial literacy, the relationship between risk and return, and the ability to recognize investment behaviors influenced by emotional factors such as herd behavior and fear of missing out. In addition, participants also became more aware of the importance of selecting investment instruments that align with their risk profiles and personal financial goals. This community service activity contributed positively to increasing public awareness of the importance of conducting smart, rational, and responsible investment practices in response to the rapid growth of digital investment. Therefore, investment education programs can serve as a strategic effort to improve the quality of public financial decision-making in a sustainable manner.
Literasi Keuangan sebagai Moderator Pelemah: Bukti Empiris Program Kredit Usaha Rakyat pada UMKM Kota Mataram Ismayadi Armansyah; Burhanudin Burhanudin; Nila Rahayu
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 2 (2026): Artikel Research April 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i2.3247

Abstract

MSMEs are still burdened by limited access to capital and suboptimal financial performance. The People's Business Credit (KUR) program is seen as a policy solution, but evidence of its utilization mechanism is still limited. This quantitative study examines the effect of KUR on the financial performance of MSMEs in Mataram City and the moderating role of financial literacy in a sample of 100 respondents using SEM-PLS analysis. The results show that KUR has a positive and significant effect on financial performance indicators (turnover, profit, and capital capacity). Meanwhile, financial literacy functions as a counterbalancing moderator that reduces the effectiveness of KUR, indicating a mechanism of prudence that restrains credit utilization. These findings not only strengthen empirical evidence on the benefits of access to financing, but also offer a theoretical contribution, namely that financial literacy does not always act as a reinforcer. The financial literacy theory model needs to be expanded to accommodate negative moderation effects through financial behavior mechanisms and fund usage selectivity. Practically, the results emphasize that KUR policies should combine credit distribution with behavioral interventions and operational assistance so that financing programs can encourage productive investment rather than merely increasing fund usage conservatism.
OPTIMALISASI PERAN PEREMPUAN DALAM PEMANFAATAN SUMBER DAYA LOKAL SEBAGAI UPAYA PENINGKATAN PEREKONOMIAN MASYARAKAT I Gusti Agung Arista Pradnyani; Yeldy Dwi Genadi; Nila Rahayu; Adrianda Anwar; Sri Maryanti
Jurnal Abdimas Sangkabira Vol. 6 No. 2 (2026): Jurnal Abdimas Sangkabira, Juni 2026
Publisher : Program Studi Diploma III Akuntansi Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdimassangkabira.v6i2.2947

Abstract

Pengabdian kepada masyarakat ini dilatarbelakangi oleh masih terbatasnya pemanfaatan sumber daya lokal oleh perempuan dalam mendukung peningkatan perekonomian keluarga dan masyarakat. Padahal, perempuan memiliki potensi yang besar dalam mengelola sumber daya lokal apabila didukung dengan pengetahuan, keterampilan, serta pendampingan yang memadai. Oleh karena itu, kegiatan pengabdian ini bertujuan untuk mengoptimalkan peran perempuan dalam memanfaatkan sumber daya lokal sehingga mampu meningkatkan kemandirian ekonomi masyarakat. Kegiatan pengabdian dilaksanakan di Desa Bongan, Kabupaten Tabanan dengan menggunakan pendekatan Participatory Action Research (PAR) yang menekankan keterlibatan aktif masyarakat dalam setiap tahapan kegiatan, mulai dari identifikasi masalah, perencanaan program, hingga pelaksanaan dan evaluasi kegiatan. Metode yang digunakan meliputi diskusi kelompok terarah (Focus Group Discussion/FGD), pelatihan keterampilan pengolahan produk berbasis sumber daya lokal, serta pendampingan dalam pengembangan usaha. Hasil kegiatan menunjukkan adanya peningkatan keterampilan, pengetahuan, dan kepercayaan diri perempuan dalam memanfaatkan potensi lokal menjadi produk bernilai ekonomi. Selain itu, kegiatan ini juga mendorong terbentuknya kerja sama kelompok, meningkatnya partisipasi perempuan dalam kegiatan ekonomi, serta munculnya kesadaran kolektif untuk mengembangkan usaha berbasis sumber daya lokal secara berkelanjutan.
PENGARUH STRUKTUR MODAL, PROFITABILITAS DAN BIAYA CORPORATE SOCIAL RESPONSIBILITY TERHADAP NILAI PERUSAHAAN SEKTOR PERTAMBANGAN Arista Pradnyani I Gusti Agung; Nila Rahayu; Adrianda Anwar; Yeldy Dwi Genadi
Jurnal Aplikasi Perpajakan Vol. 7 No. 1 (2026): Jurnal Aplikasi Perpajakan
Publisher : Jurnal Aplikasi Perpajakan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jap.v7i1.526

Abstract

This study aims to analyze the effect of Capital Structure (DER), Profitability (ROA), and Corporate Social Responsibility (CSR) Costs on Firm Value using multiple linear regression analysis techniques. Before testing the hypothesis, a classical assumption test was conducted which included normality, multicollinearity, heteroscedasticity, and autocorrelation tests to ensure the model met the criteria. Testing was carried out through the F test, t test, and the coefficient of determination (R²). The results showed that the F test with a significance value of 0.032 meant that this research model was worthy of being tested and the Adjusted R² value of 0.541, meaning that 54.1% of the variation in Firm Value could be explained by the model. Partially, DER had no significant effect, ROA had a positive and significant effect, while CSR Costs had no significant effect on Firm Value. Thus, Profitability (ROA) was the most dominant variable in influencing Firm Value.
Reaksi Pasar terhadap Pengumuman MSCI Freeze Indonesia: Studi Peristiwa pada Pasar Modal Indonesia ADRIANDA ANWAR; Nila Rahayu; I Gusti Agung Arista Pradnyani; Yeldi Dwi Genadi
Jurnal Aplikasi Perpajakan Vol. 7 No. 1 (2026): Jurnal Aplikasi Perpajakan
Publisher : Jurnal Aplikasi Perpajakan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jap.v7i1.553

Abstract

This study aims to analyze market reactions to the announcement of MSCI Freeze Indonesia on stocks included in the MSCI Indonesia Index. Market reactions are measured using abnormal return (AR), trading volume activity (TVA), stock volatility, average abnormal return (AAR), and cumulative abnormal return (CAR). This study employs a quantitative approach using the event study method. The sample consists of 17 constituent stocks of the MSCI Indonesia Index selected through purposive sampling. The observation period uses an eleven-day event window, consisting of five trading days before the announcement (t-5), the announcement day (t0), and five trading days after the announcement (t+5). Data were analyzed using Paired Sample t-Test, Wilcoxon Signed Rank Test, and One Sample Test. The results indicate that there is no significant difference in abnormal return before and after the MSCI Freeze Indonesia announcement. In addition, Average Abnormal Return (AAR) and Cumulative Abnormal Return (CAR) during the observation period are also not statistically significant. In contrast, trading volume activity and stock volatility show significant differences following the announcement. These findings suggest that the MSCI Freeze Indonesia announcement does not significantly affect stock returns but influences trading activity and investors’ risk perception. Therefore, market reactions to the MSCI Freeze Indonesia announcement are more strongly reflected in changes in trading behavior and stock volatility than in direct stock price movements.
Pelatihan Strategi Customer Relationship Management (CRM) untuk Meningkatkan Loyalitas Konsumen UMKM di Desa Kopang, Lombok Tengah. Yeldy Dwi Genadi; Adrianda Anwar; Nila Rahayu; I Gusti Agung Arista Pradnyani
Jurnal Abdi Anjani Vol 4 No 1 (2026): Jurnal Abdi Anjani (JAA)
Publisher : Program Studi Pariwisata, Fakultas Ekonomi dan Bisnis,Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/anjani.v4i1.3095

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan keterampilan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Kopang, Lombok Tengah dalam menerapkan strategi Customer Relationship Management (CRM) guna meningkatkan loyalitas konsumen. Permasalahan utama yang dihadapi UMKM adalah rendahnya pemanfaatan strategi hubungan pelanggan, kurangnya pencatatan data konsumen, serta minimnya pemanfaatan media digital dalam menjaga hubungan dengan pelanggan. Metode pelaksanaan kegiatan meliputi observasi, sosialisasi, pelatihan, simulasi, dan pendampingan. Peserta kegiatan terdiri atas 25 pelaku UMKM yang bergerak di bidang kuliner, perdagangan, dan jasa. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai pentingnya CRM dalam mempertahankan pelanggan, meningkatkan komunikasi dengan konsumen, serta membangun loyalitas pelanggan melalui media digital seperti WhatsApp Business dan media sosial. Kegiatan ini memberikan dampak positif terhadap kemampuan UMKM dalam mengelola hubungan pelanggan secara lebih efektif dan berkelanjutan.
LITERASI KEUANGAN, PERILAKU MENABUNG DAN PERILAKU KONSUMTIF DAN PERILAKU MENABUNG MAHASISWA Animah Animah; Widia Astuti; Nila Rahayu; Iwan Kusuma Negara; Lusi Shinta Nugraha
JIAI (Jurnal Ilmiah Akuntansi Indonesia) Vol. 10 No. 2 (2025): Edisi Oktober
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jiai.v10i2.4377

Abstract

This study aims to analyze the influence of financial literacy on consumptive behavior and saving behavior among university students. Financial literacy is considered essential in helping individuals understand how to manage their finances wisely, particularly among students who are in the early stages of financial independence. The research was conducted on Accounting Department students at the University of Mataram using a survey method. The results indicate that financial literacy has a significant positive effect on students’ saving behavior, meaning that the higher the financial literacy, the greater the tendency of students to save regularly. Conversely, financial literacy has a significant negative effect on consumptive behavior, indicating that the higher the financial literacy, the lower the tendency of students to make impulsive purchases and engage in excessive consumption. These findings highlight the importance of early financial education in shaping healthy financial behavior, guiding students toward sound financial planning, and reducing the risk of future financial problems.
Penguatan Literasi Keuangan melalui Program Desa Cerdas Keuangan di Desa Langko, Janapria, Lombok Tengah nila rahayu; Reny Wardiningsi; Rini Adriani Auliana; Nazwa Farahdila; Yulia Fitri Rosydiati
Jurnal Pengabdian Magister Pendidikan IPA Vol 9 No 3 (2026): Juli-September 2026
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jpmpi.v9i3.16171

Abstract

Kemampuan masyarakat dalam mengelola keuangan rumah tangga dan usaha mikro masih memerlukan penguatan, terutama dalam penyusunan anggaran, pencatatan transaksi, serta pemanfaatan teknologi digital sebagai pendukung pengelolaan keuangan.Kondisi tersebut menjadi dasar pelaksanaan Program Desa Cerdas Keuangan di Dusun Langko Daye, Desa Langko, Kecamatan Janapria, Kabupaten Lombok Tengah dengan melibatkan 20 peserta yang terdiri atas ibu rumah tangga dan pelaku usaha mikro. Rangkaian kegiatan disusun melalui pembelajaran partisipatif yang menggabungkan edukasi literasi keuangan, latihan penyusunan anggaran dan pencatatan keuangan sederhana, praktik penggunaan aplikasi Catatan Keuangan berbasis Android, serta pendampingan selama proses pembelajaran. Evaluasi dilakukan berdasarkan hasil observasi, praktik, diskusi, dan umpan balik peserta. Selama kegiatan berlangsung, peserta menunjukkan peningkatan pemahaman mengenai penyusunan anggaran, pencatatan pemasukan dan pengeluaran, pemisahan keuangan rumah tangga dan usaha, serta penggunaan aplikasi digital sebagai media pencatatan keuangan. Keterlibatan peserta dalam praktik secara langsung menjadikan materi lebih mudah dipahami dan diterapkan sesuai dengan kondisi ekonomi sehari-hari. Hasil pengabdian ini memperlihatkan bahwa penguatan literasi keuangan yang dipadukan dengan pemanfaatan teknologi digital merupakan pendekatan yang relevan untuk mendukung peningkatan kapasitas masyarakat dalam mengelola keuangan rumah tangga dan usaha mikro.
PENGARUH INTENSITAS, KUALITAS, DAN SIKAP ATAS KOMUNIKASI ELECTRONIC WORD OF MOUTH TERHADAP KEPUTUSAN INVESTASI I GUSTI AGUNG ARISTA PRADNYANI; I GUSTI PUTU WIDYA ATMAJA; NILA RAHAYU; ADRIANDA ANWAR
Ganec Swara Vol. 19 No. 1 (2025): Maret 2025
Publisher : Yayasan Al-Amin Qalbu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59896/gara.v19i1.200

Abstract

Investment decisions are the process of allocating funds to various investment options with the aim of gaining profit or increasing the value of assets in the future. Students are interested in joining GI KSPM FEB Universitas Mataram because of their desire to learn more about the world of investment, financial instruments, and capital markets. Financial behavior refers to the actions or behavior of individuals in managing finances in various ways, in accordance with the Finance Behavior Theory. However, this does not happen by chance where there are other influential factors such as marketing communications which today rely more on digital, specifically the intensity of viewing or watching, the quality of what is watched, and attitudes towards electronic Word of Mouth communication. This research was conducted in the Mataram City Area and was more specifically at GI KSPM FEB Universitas Mataram. The research time was 2024. This research is an associative research with a quantitative approach using data collection methods in the form of distributing questionnaires. The statistical analysis used includes descriptive statistical tests, validity tests, reliability tests, normality tests, multicollinearity, heteroscedasticity, determination coefficient tests, F tests and t tests. Data analysis using multiple linear regression analysis. The results show that intensity has a positive effect, the quality of electronic word of mouth does not have a significant effect, and attitudes towards electronic word of mouth communication have a positive effect on investment decisions.
Co-Authors Abdurrahman Abdurrahman Adrianda Anwar Akram Akram Akram, Akram Andika Noviawan, Lalu Animah Animah Anwar, Adri Arista Pradnyani I Gusti Agung Arista Pradnyani, I G A Bambang Bambang Burhanudin Burhanudin Dewi Rispawati Fatimah Azzahra Ferdaus, Nadia Nuril Genadi, Yeldy Dwi I GUSTI AGUNG ARISTA I Gusti Agung Arista Pradnyani I Gusti Agung Arista Pradnyani I Gusti Agung Arista Pradnyani, I Gusti Agung Arista I Gusti Agung Ayu Pramita Indraswari I Gusti Putu Widya Atmaja I GUSTI PUTU WIDYA ATMAJA I.G.A Arista Pradnyani I.G.A. Arista Pradnyani Ismayadi Armansyah Iwan Kusuma Negara Jayawarsa, A.A. Ketut Khaerul Umam, Khaerul Kurniawan Syahputra, M. Lusi Shinta Nugraha Maria Dewi, Suprayanti Mohammad Yanwar Doraq MUAIDY YASIN, MUAIDY Nadia Nuril Ferdaus Nanda Dwipratiwi Ladila Nazwa Farahdila Nur Fazillah Milawati Nur Fitriyah nurfazillah milawati Paradisa Sukma Putu Atim Purwaningrat Reny Wardiningsi Resty Yusnirmala Dewi Rini Adriani Auliana Rispawati, Dewi Sagir, Junaidi Sakhila, Yana Sri Maryanti Sri Maryanti TONY WINATA Wardiningsih, Reny Widia Astuti Widia Astuti Yeldi Dwi Genadi Yeldy Dwi Genadi Yulia Fitri Rosydiati Zaenal Wafik, Ahmad Zamroni Alpian Muhtarom