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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Bisnis, Manajemen, dan Informatika Hasanuddin Economics and Business Review Jurnal Ilmiah Manajemen "E M O R" Dinamisia: Jurnal Pengabdian Kepada Masyarakat Sarwahita : Jurnal Pengabdian Kepada Masyarakat PINISI Discretion Review Journal of Applied Management and Accounting Science (JAMAS) Jurnal Arastirma Jurnal Pengabdian Kepada Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) International Journal of Humanities Education and Social Sciences Journal of Management and Digital Business Seminar Nasional Pengabdian Kepada Masyarakat Bulletin of Management and Business Jurnal Pemantik Economics and Business Journal Journal of Artificial Intelligence and Digital Business Jurnal Manajemen Teknovokasi : Jurnal Pengabdian Masyarakat Indonesian Journal Of Business And Entrepreneurship Research Vokatek : Jurnal Pengabdian Masyarakat Indo-Fintech Intellectuals: Journal of Economics and Business Journal of Business Management and Economic Development (JIMBE) (JUMPER) Pinisi Journal of Entrepreneurship Review Ininnawa: Jurnal Pengabdian Masyarakat Fundamental and Applied Management Journal Jurnal Kemitraan Responsif untuk Aksi Inovatif dan Pengabdian Masyarakat Indonesian Journal of Enterprise Architecture Prosiding Seminar Nasional Dies Natalis Universitas Negeri Makassar Southeast Asia Journal of Business, Accounting, and Entrepreneurship Journal of International Multidisciplinary Research Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan MAXIMAL JER Paramacitra : Jurnal Pengabdian Masyarakat Nusantara Economics and Entrepreneurships Journals Jurnal Hasil-Hasil Pengabdian dan Pemberdayaan Masyarakat (JHP2M) IJHABS J-CEKI Jurnal Ilmu Manajemen
Aslam, Annisa Paramaswary
Department Of Management, Faculty Of Economics And Business, Universitas Negeri Makassar
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Application of Business Model Canvas as a Business Strategy in Creative Economy Businesses in The Field of Photography in Makassar City Aslam, Annisa Paramaswary
Indonesian Journal of Business and Entrepreneurship Research Vol. 1 No. 2 (2023): Vol. 1, No. 2, May 2023: Indonesian Journal of Business and Entrepreneurship Re
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (256.933 KB) | DOI: 10.62794/ijober.v1i2.142

Abstract

This research aims to find out how the application of the canvas business model has been carried out by creative economy business actors in the field of photography and provide alternative strategy options to develop their business. This research is descriptive research with a qualitative approach, data collection techniques are carried out using observation, interview, and documentation methods. The results of this study indicate that the business run by creative economic businesses in the field of photography is part of a business model canvas consisting of 9 blocks where the results of the SWOT analysis that has been carried out, there are four strategic options for creative economic businesses in the field of photography consisting of strengths opportunities (SO), weakness opportunities (WO), strength threats (ST), and weakness threats (WT). Of the four strategy options, the right strategy to be developed in the creative economy business in photography is weakness opportunities (WO). From the results of the mapping that has been carried out by researchers using the business model canvas and alternative strategies, researchers assess that businesses that have been running can apply the business model canvas as an alternative business model and the strategies that have been given by researchers can be implemented by creative economic businesses in the field of photography to increase business income.
COMPARATIVE ANALYSIS OF THE FINANCIAL PERFORMANCE OF PT ADIRA DINAMIKA MULTI FINANCE TBK AND PT ASURANSI RAMAYANA TBK Aslam, Annisa Paramaswary
Nusantara Economics and Entrepreneurships Journals VOl.3,N0.2, (AUGUST, 2025), IN PRESS
Publisher : PUSAT KEWIRAUSAHAAN UNIVERSITAS BALIKPAPAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/necent.v3i2.66

Abstract

Financial performance is a crucial indicator in assessing a company's business sustainability, particularly in the financial services industry, such as financing and insurance, which is high in risk and requires strong capital stability. This study aims to analyze and compare the liquidity, solvency, and profitability ratios of PT Adira Dinamika Multi Finance Tbk (Adira Finance) and PT Asuransi Ramayana Tbk using financial statement data from 2021 and 2022. The research method uses a quantitative descriptive approach through financial ratio calculations according to financial analysis standards. The results show that Adira Finance has adequate liquidity but high leverage, while PT Asuransi Ramayana exhibits more stable liquidity and profitability conditions and a healthier capital structure. This comparison provides an in-depth overview of the strengths and weaknesses of both companies, which can be used as a basis for evaluation and decision-making by stakeholders.
Analisis Kinerja Keuangan Perusahaan Kredit Digital: Studi Komparatif Kredivo dan Adakami Aslam, Annisa Paramaswary
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 2 (2025): Desember
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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

Abstract

Pertumbuhan industri kredit digital di Indonesia menunjukkan dinamika yang pesat sebagai respon terhadap meningkatnya kebutuhan pembiayaan yang cepat, fleksibel, dan berbasis teknologi. Namun, perkembangan tersebut juga membawa risiko keuangan yang signifikan, baik bagi konsumen maupun bagi perusahaan penyedia layanan. Penelitian ini bertujuan untuk menganalisis kinerja keuangan dua perusahaan fintech lending besar di Indonesia, yaitu Kredivo dan AdaKami, dengan menggunakan rasio profitabilitas dan solvabilitas sebagai indikator kesehatan keuangan perusahaan. Data yang digunakan berasal dari laporan keuangan resmi tahun 2024 masing-masing perusahaan. Hasil penelitian menunjukkan bahwa kedua perusahaan masih berada pada fase kerugian (loss position), namun memiliki struktur pendanaan dan prospek operasional yang berbeda. Kredivo menunjukkan leverage yang lebih tinggi serta profitabilitas negatif lebih dalam, sedangkan AdaKami mencatat margin kerugian yang relatif kecil dan struktur modal yang lebih sehat. Penelitian ini memberikan gambaran komprehensif mengenai tantangan dan peluang keberlanjutan usaha kredit digital di Indonesia.
PENGARUH LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI PADA GENERASI MUDA DI KELURAHAN BENJALA KECAMATAN BONTOBAHARI KABUPATEN BULUKUMBA Nur, Sulistiwati; Anwar, Anwar; Aslam, Annisa Paramaswary
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 1 (2025): Sipakainge
Publisher : IAIN Parepare

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Abstract

This study aims to analyze the influence of financial literacy on investment decisions among young people in Benjala Village, Bontobahari District, Bulukumba Regency. Financial literacy in this study includes basic financial knowledge, income and expenditure management, risk understanding, and the use of financial technology. Investment decisions cover understanding investment products, readiness to face risks, and the suitability of investment decisions with personal financial goals.This research uses a quantitative method with an associative approach. Data were obtained through questionnaires distributed to 360 young respondents in Benjala Village, using purposive sampling technique. The data were analyzed using descriptive analysis and simple linear regression to determine the influence of financial literacy on investment decisions.The results show that the financial literacy of young people in Benjala Village is relatively good. Most respondents have adequate understanding of personal financial management and risk, although some still lack in utilizing financial technology and investment planning. Investment decisions also show positive development, but there is still room for improvement in risk preparedness and alignment with personal financial goals. The results of the simple linear regression analysis show that financial literacy has a positive and significant effect on investment decisions among young people in Benjala Village.Based on these findings, it is recommended that young people improve their financial literacy, relevant institutions provide financial education programs, and future researchers expand the research scope to obtain deeper understanding of young people's investment behavior.
Pengaruh Literasi Keuangan terhadap Keputusan Investasi pada Generasi Muda Nur, Sulistiwati; Anwar, Anwar; Aslam, Annisa Paramaswary
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 1 (2025): Sipakainge
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i1.13696

Abstract

This study examines the effect of financial literacy on investment decision-making among young individuals in Benjala Village, Bontobahari District, Bulukumba Regency, Indonesia. Financial literacy is conceptualized across four dimensions: fundamental financial knowledge, income and expenditure management, risk comprehension, and the adoption of financial technology. Investment decisions are assessed based on participants’ understanding of financial products, readiness to face risk, and the alignment of investment actions with personal financial goals. Employing a quantitative research design, the study surveyed 360 purposively selected respondents using a structured questionnaire. Data were analyzed using descriptive statistics and simple linear regression. The findings indicate that financial literacy has a statistically significant and positive impact on investment decision-making. While respondents demonstrated adequate understanding of basic financial management and risk, notable gaps were observed in the use of financial technology and long-term investment planning. These results highlight the importance of strengthening financial literacy, particularly in its practical applications, to support more informed, rational, and goal-oriented investment behavior among youth. The study underscores the need for targeted financial education initiatives and suggests avenues for future research in broader and more diverse population settings.
Pemberdayaan Masyarakat Melalui Literasi dan Efikasi Keuangan untuk Mencegah Investasi Bodong di Desa Tarowang Aslam, Annisa Paramaswary; Rahmat, Muhammad Rijal Alim; Dg Macenning, A. Reski Almaida; Iswardhani, Indri; Angreyani, Andi Dewi
TEKNOVOKASI : Jurnal Pengabdian Masyarakat Volume 3: Issue 3 (September 2025)
Publisher : Jurusan Teknik Informatika dan Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59562/teknovokasi.v3i3.10179

Abstract

Minimnya pemahaman masyarakat pedesaan terhadap literasi keuangan menjadi salah satu faktor penyebab maraknya kasus investasi palsu yang menimbulkan kerugian. Untuk mengatasi hal tersebut, dilaksanakan program pengabdian masyarakat di Desa Tarowang, Kecamatan Jeneponto, yang bertujuan memperkuat literasi serta efikasi keuangan warga agar mampu menolak dan menghindari tawaran investasi ilegal. Program ini mencakup berbagai kegiatan seperti sosialisasi, pelatihan pengelolaan keuangan, lokakarya mengenai investasi yang aman, simulasi pengambilan keputusan finansial, serta pembentukan kelompok diskusi dengan pendampingan intensif. Hasil pelaksanaan menunjukkan adanya peningkatan signifikan dalam kemampuan masyarakat memahami pengelolaan keuangan dan mengenali ciri-ciri investasi bodong. Selain itu, kepercayaan diri masyarakat dalam mengambil keputusan keuangan juga meningkat, mencerminkan bertambahnya efikasi keuangan. Program ini membuktikan bahwa pendekatan edukatif yang bersifat interaktif dan sesuai konteks lokal dapat memberikan perubahan positif dan berkelanjutan bagi masyarakat pedesaan.
Peningkatan Kemampuan Manajemen Pemasaran Melalui Teknik Pelabelan bagi UMKM Burhanuddin, Burhanuddin; Abadi, Rahmat Riwayat; Aslam, Annisa Paramaswary; Abadi, Ridfan Rifaldy; Amin, Andi Mustika
TEKNOVOKASI : Jurnal Pengabdian Masyarakat Volume 3: Issue 3 (September 2025)
Publisher : Jurusan Teknik Informatika dan Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59562/teknovokasi.v3i3.10555

Abstract

Label pada produk Usaha Mikro, Kecil, dan Menengah (UMKM) menjadi bagian penting untuk memperkuat identitas dan membedakan produk mereka dari produk pesaing. Label juga dapat berfungsi sebagai sumber informasi bagi pelanggan, membantu mereka memahami spesifikasi dan kualitas produk. Hal ini dapat memengaruhi keputusan pembelian pelanggan dan meningkatkan citra produk UMKM. Pentingnya peran pelabelan dalam kemasan, program ini akan berfokus pengayaan dan praktik pembuatan label bagi UMKM yang tergabung dalam mitra binaan di Desa Tarowang, Kecamatan Tarowang, Kabupaten Jeneponto. Sesi penyuluhan pembuatan label produk UMKM dilakukan di Desa Tarowang untuk meningkatkan pengetahuan dan kesadaran UMKM tentang pentingnya pelabelan produk bagi keberlanjutan dan peningkatan usaha. Metode pelaksanaan kegiatan meliputi pemutakhiran label kemasan dan kemasan. Tahapan yang dilakukan meliputi survei, analisis masalah, perencanaan, pengembangan produk, dan pembuatan laporan. Selain peserta mengetahui metode pelabelan kemasan, peserta juga dapat melakukan pemutakhiran label dan kemasan. Hasilnya menunjukkan munculnya ide-ide kreatif yang sejalan dengan kebutuhan UMKM untuk memperluas jangkauan pemasaran produk dan meningkatkan kesadaran masyarakat luas. Dengan demikian, kegiatan penjangkauan ini menunjukkan keberhasilan program penjangkauan ini dalam membantu UMKM meningkatkan penjualan dan memperkuat kesadaran produk.
The Influence of Financial Literacy and Lifestyle on Financial Behavior of Generation Z in Makassar City in 2024 Ramli, Anwar; Aslam, Annisa Paramaswary; Anwar, Indah Lestari
Economics and Business Journal (ECBIS) Vol. 4 No. 1 (2025): November
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i1.273

Abstract

This study aims to analyze the influence of financial literacy on financial behavior and the influence of financial literacy on financial behavior with lifestyle as a moderating variable in generation Z in Makassar City in 2024. This research method uses a descriptive quantitative approach, which aims to analyze the influence of financial literacy and lifestyle on the financial behavior of generation Z in Makassar City in 2024. The variables analyzed are Financial Literacy, Lifestyle, and Financial Behavior. The data used in this study are primary data in the form of questionnaires and secondary data in the form of financial data. The population in this study is all generation Z in Makassar City. The sample of this study is generation Z in Makassar City with an age range of 18-27 years. The results of the study indicate that Financial Literacy has a significant influence on Financial Behavior in Generation Z in Makassar City. Thus, it is expected to provide practical recommendations for generation Z in managing finances and assist local government policies in improving financial literacy among youth. In addition, this research will be published in the form of a Sinta-accredited national journal to provide deeper insight into how financial literacy and lifestyle influence the financial behavior of Generation Z in Makassar.
Co-Authors Abadi, Rahmat Riwayat Abadi, Ridfan Rifaldy Abdi Akbar Idris Agung Widhi Kurniawan Amalia, Regina Andi Asmawati Azis Andi Citra Pratiwi Andi Dewi Angreyani Andi Mustika Amin Andika Isma Angraeni, Erni Angreyani, Andi Dewi Anugrah, Fira Anwar Anwar Anwar Anwar Anwar Ramli Anwar, Indah Lestari Arissoma, Muhammad Anggit Gagat Arnes Yuli Vandika Aslam, Achmad Yassin Zidan Akram Asri Awal Ayu Kartini Parawansa Ayu, Dian Fajar Burhanuddin Burhanuddin Burhanuddin Darmawinata, Widhi Nugraha Sumiharja Dipoatmodjo, Tenri S.P Dipoatmodjo, Tenri SP Dwi Anugerah Lestari Musa Firdaus Daud Fudjaja, Letty Haeruddin , Muhammad Ilham Wardhana Haeruddin, Muhammad Ilham Wardhana Haeruddin Hamid, Muliana Gunawan Hanafi, Anhar Ahmad Syah Hanafi, Kartini Hannan Fadlurahman Hardiyanti, Andi Aryani Hasbiah, Siti Hety Budiyanti, Hety Idris, Abdi Akbar Idris, Muhammad Istiyansyah Ulman Ilma Wulansari Hasdiansa Indri Iswardhani Ipoatmodjo, Tenri S. P. D Irma Satriani Irma Satriani, Irma Isma Azis Riu Juliani Khairul, Nila Kalla, Rastina Kesuma, Sulfadli Adi Jaya Khadija, Sitti Kristina W. Parinsi Kusuma, Sulfadli Adijaya M Taslim Dangnga M. Ikhwan Maulana Haeruddin Maghfirah Sultan, Nurul Malika, Safinah Aisya Mansyur, Muthmainnah McMahon, Peter J. Muh Al Fatah Arief Putra Muh Arnesta Arnanda Muh Reza Abdillah Muh. Yushar Mustafa Muhammad Ardiansyah Muhammad Ridwan Muhammad Yasir Mukarram, Hadratul Musa, M. Ichwan Musa, Muh Ichwan Musa, Muhammad Ichwan Mushawwir , Shaleh Afief A Mushawwir, Shaleh Afief A Mustafa, Fahrina Mustafa, Muhammad Yushar Mustafa, Riad Nugraha , Rahmat Nurul Prima Nur, Sulistiwati Nurgraha SD, Widhi Nurhidayanti, Helmi Nurman Nurman Nurman Nurman Nurman Nurul Aulia Nisa Nurul Fadilah Aswar Palangkey, Nurul Rahmi Parawansa, Dian Anggraece Sigit Patigana, A Gita Namira Pole, Yogi Adnal Fathirullah Pratiwi, Andi Citra Primawalda, Az-zahra Rizqi Putra , Muh Al Fatah Arief Putra, Muh Al Fatah Arief Putra, Muh. Al Fatah Arief Putri, Ariella Ramadhani Rahayu, Widuri Rahim, Fitriani RAHMAT SETIAWAN Rahmat, Muhammad Rijal Alim Ramadhani, Gina Ramadhani, Khusnul Khatimah Putri Rauf, Deddy Ibrahim Regina Regina Rezky Amalia Hamka Rezky Amalia Hamka Ridfan Rifadly Abadi Rifda Rahmah Bamatraf Romansyah Sahabuddin Sapira, Amani Sahra Saputra, Aria Sari, Risa Arsita Sitti Hasbiah Sombeng, Andi Rini Hastuti Syafikah, Nurul Syahrul, Khaidir Syam, Muh. Lutfi Syardiansyah Syarif Saddam Rivanie Taufik, Anisya Devinta Tawe, Amiruddin Tenri Sayu Puspitaningsih Dipoatmodjo Uhud Darmawan Natsir Wahyudin Wahyudin Widhi Kurniawan, Agung Widuri Rahayu Wilda Wilda Wulansary, Ilma