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All Journal International Journal of Artificial Intelligence Research International Humanities and Applied Science Journal Journal of Humanities and Social Studies Diklat Review : Jurnal manajemen pendidikan dan pelatihan KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT JIIP (Jurnal Ilmiah Ilmu Pendidikan) Madaniya Jurnal Riset Ilmu Ekonomi Unram Journal of Community Service (UJCS) Accounting Studies and Tax Journal Digital Business Progress
Devy Mawarnie Puspitasari
Universitas Mercu Buana
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Penguatan Tata Kelola Keuangan Usaha Mikro, Kecil, dan Menengah di Kampoeng Rajoet Bandung Eristy Minda Utami; Devy Mawarnie Puspitasari; Farida Nursjanti; Lia Amaliawiati; Reva Yuliani
Madaniya Vol. 4 No. 1 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.399

Abstract

Pandemi Covid-19 menyebabkan kinerja pelaku usaha mikro, kecil, dan menengah (UMKM) mengalami penurunan yang berdampak pada pemutusan hubungan kerja dan risiko kredit macet. Kondisi ini terjadi akibat ketidakcakapan pelaku UMKM pada penguasaan teknologi serta pencatatan dan pelaporan keuangan. Penelitian menemukan bahwa mayoritas pelaku UMKM tidak memiliki keterampilan yang memadai dalam pengelolaan keuangan serta rendahnya pemahaman akan pentingnya pencatatan dan pembukuan bagi keberlangsungan usaha. Sedangkan penyusunan dan analisis pengelolaan keuangan mempunyai pengaruh yang sangat besar bagi pencapaian keberhasilan usaha. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan penguatan tata kelola keuangan yang dapat diterapkan oleh pelaku UMKM Kampoeng Radjoet, Binong Jati Kota Bandung yang bertindak sebagai mitra. Penelitian ini menggunakan teknik observasi, wawancara, dan dokumentasi dalam upaya pengumpulan data dan informasi. Pelaksanaan kegiatan ini dilakukan untuk meningkatkan pemahaman pelaku UMKM Kampoeng Radjoet, Binong Jati Kota Bandung terhadap pengelolaan keuangan serta merekomendasikan indikator yang dapat dilakukan oleh pelaku UMKM agar mempertahankan kelangsungan bisnisnya sehingga dapat berperan serta dalam mengatasi masalah pengangguran yang terjadi akibat Pandemi Covid-19.
Determinan Ketahanan Bank di Masa Pandemi: Studi Kasus Bank Perkreditan Rakyat di Indonesia Puspitasari, Devy Mawarnie; Utami, Eristy Minda; Nursjanti, Farida; Amaliwiati, Lia
JIIP - Jurnal Ilmiah Ilmu Pendidikan Vol. 6 No. 4 (2023): JIIP (Jurnal Ilmiah Ilmu Pendidikan)
Publisher : STKIP Yapis Dompu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.875 KB) | DOI: 10.54371/jiip.v6i4.1619

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor penentu ketahanan bank di masa pandemi, khususnya pada Bank Perkreditan Rakyat. Data yang digunakan merupakan data bulanan periode Januari 2019 sampai dengan 2021 sebagai sampel desain dan periode 2021 sebagai sampel validasi. Dengan analisis regresi logistik diperoleh hasil bahwa capital adequacy ratio, net interest margin, return on asset, cash ratio dan loan to deposit ratio memiliki pengaruh positif signifikan terhadap ketahanan bank. Sementara itu, non performing loan, biaya operasional terhadap pendapatan operasional, deposit to capital ratio berpengaruh negatif signifikan terhadap ketahanan bank. Sedangkan, off balanced ratio tidak memiliki pengaruh signifikan terhadap ketahanan bank. Studi ini menegaskan bahwa BPR perlu menyempurnakan strategi pengelolaan bisnisnya termasuk yang terkait dengan dana pihak ketiga dalam menjalankan fungsi intermediasinya dan efisiensi bisnis. BPR memerlukan model prediksi ketahanan bank khususnya selama masa pandemi untuk memitigasi risiko.
Pemberdayaan Pemulung Pancoran Barat melalui Pelatihan Aneka Kreasi Daur Ulang Devy Mawarnie Puspitasari; Matsani Matsani
Madaniya Vol. 4 No. 2 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.462

Abstract

Peningkatan pemulung terlihat di beberapa kawasan perkotaan, termasuk kawasan Pancoran Barat Jakarta Selatan. Pola hidup mereka biasanya kumuh dan tinggal di daerah berisiko tinggi. Hal ini disebabkan rendahnya tingkat pendidikan dan kualifikasi yang tidak memadai. Selain itu, sebagian besar rumah mereka tidak dapat dihuni karena minimnya pendapatan. Dilihat dari fenomena di atas, diperlukan adanya pembinaan yang dapat meningkatkan pengetahuan dan keterampilan mereka, khususnya dalam memanfaatkan barang bekas yang dikumpulkan untuk kembali produktif, yang pada akhirnya dapat meningkatkan pendapatan keluarga. Program Kegiatan Pengabdian Kepada Masyarakat ini akan memberdayakan pemulung Pancoran Barat melalui pelatihan kreasi daur ulang di RT. 008/003 Jakarta Selatan yang bertujuan untuk meningkatkan taraf hidup keluarga. Kegiatan ini terdiri dari beberapa tahap yaitu tahap persiapan. Tahap kedua adalah demonstrasi mengolah sampah anorganik menjadi berbagai kreasi daur ulang. Tahap ketiga adalah pelatihan tentang pemasaran produk dan akuntansi keuangan dengan cara yang sederhana. Tahap keempat adalah evaluasi keberhasilan program. Hasil yang diperoleh melalui simulasi dan penyuluhan adalah ibu-ibu pemulung lebih kreatif dalam menggunakan kesempatannya untuk mengembangkan keterampilan dan meningkatkan pendapatan keluarga.
Islamic Financial Product Literacy in the New Normal Era Devy Mawarnie Puspitasari; Eristy Minda Utami; Lia Amaliwiati
KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT Vol. 5 No. 2 (2023)
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/ka.v5i2.5005

Abstract

Starting from the health crisis, the Covid-19 pandemic has had a domino effect on social, economic and financial aspects. The economy experienced a slowdown in line with the decline in people's purchasing power due to decreased income, no income and economic activity. Various efforts were made by the government to restore the national economy by adopting comprehensive fiscal and monetary policies. The government also allocates APBN funds for economic recovery up to Rp. 695.2 Trillion. The economic recovery began to grow from the banking sector with assets of 15.6% (yoy) in May 2021 until the Islamic capital market recorded 9.3% investor growth in the first quarter of 2021. Understanding of Islamic banking products in the community that is not yet optimal requires socialization of understanding of banking products Sharia in the new normal era. It is hoped that through socialization it can increase public literacy to accelerate economic recovery through Islamic financial products. Partners of this community service activity are Widyatama University students, Bandung. The flow of this community service activity consists of 3 stages starting from problem identification, implementation of activities, and evaluation of implementation. The results of this activity show that partners have increased understanding of Islamic financial products and there is a desire to make Sharia products their financial instrument.
Peningkatan Literasi Keuangan Bagi Usaha Mikro Kecil dan Menengah di Kelurahan Srengseng Meruya Selatan Devy Mawarnie Puspitasari; Andriansyah Bachtillah
Madaniya Vol. 5 No. 1 (2024)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.738

Abstract

Musibah pandemi di awal tahun 2020 semakin menurunkan daya beli masyarkat. Kondisi ini semakin mempersulit Usaha Mikro Kecil dan Menengah (UMKM) untuk dapat bertahan dalam situasi sulit ini. Setelah pandemi berlalu, UMKM ingin segera bangkit dan dapat kembali menjalankan usahanya kembali. Namun, keinginan ini terganjal oleh banyak kendala, diantaranya ketersediaan modal yang merupakan faktor kunci untuk menjalankan kembali usahanya. Kendala ini tidak terkecuali dihadapi oleh UMKM dan calon pengusaha UMKM di kawasan Srengseng Meruya Selatan. UMKM di Srengseng Meruya Selatan memiliki beberapa permasalahan, di antaranya tidak memiliki pengetahuan dan wawasan mengenai Kredit Usaha Rakyat (KUR), literasi mengembangkan usahanya, dan tidak mempunyai keberanian untuk mengambil KUR karena tidak memiliki aset (jaminan). Kegiatan ini bertujuan untuk memberikan peningkatan literasi keuangan mengenai KUR Mikro dan KUR Kecil, persyaratan dan ketentuan KUR, alur pengajuan KUR, dan keunggulan dari produk KUR guna mendukung usahanya. Metode yang digunakan untuk melaksanakan kegiatan pengabdian kepada masyarakat ini terdiri dari beberapa tahapan yaitu tahap pertama persiapan. Pelaksanaan tahap kedua adalah pemberian edukasi kepada UMKM. Langkah ketiga yaitu melakukan evaluasi kegiatan. Berdasarkan penyebaran kuesioner diperoleh hasil bahwa terjadi peningkatan wawasan masyarakat UMKM Srengseng setelah mendapatkan penyuluhan. Dengan demikian, diharapkan masyarakat UMKM dapat meningkatkan kapasitas usahanya, meningkatkan ekonomi keluarga dan sekitar juga turut menyerap tenaga kerja.
MODEL PREDIKSI KEBANGKRUTAN BANK PEREKONOMIAN RAKYAT DI INDONESIA Sotarduga Napitupulu; Devy Mawarnie Puspitasari
Jurnal Riset Ilmu Ekonomi Vol. 3 No. 3 (2023): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi Desember 2023
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrie.v3i3.69

Abstract

This research aims to form a prediction model for BPR bankruptcy in Indonesia. The method used in this research uses logit analysis. The data used is secondary data obtained from published bank reports for the period 2008 - 2019. The population used in this research is BPR in East Java and the sample selection was based on purposive sampling. The initial step of this research is to build a dependent variable prediction model using in-sample, review its validity, then test the validity of the model based on out-of sample data. The research results show that CAR, LDR, CG, NPL, OR and OBS have a significant effect on bankruptcy. Meanwhile, NIM and CR do not have a significant effect on bankruptcy. BPR must pay attention to variables that are indicators of bankruptcy. This research is useful for providing a different perspective in building bankruptcy models, especially in BPR, with methods that have never been done before.
Analisis Keputusan Memilih Bermain I ZONE di Tebing Tinggi Ditinjau Dari Harga dan Promosi Fitrianingsih Fitrianingsih; Zulpianda Nublah; Devy Mawarnie Puspitasari
Digital Business Progress Vol. 2 No. 2 (2023): Digital Business Progress Edisi Desember 2023
Publisher : STIE Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/dbp.v2i2.114

Abstract

The aim of this research are to analyze the effect of priceand promotion on the decision to choose.This research is quatitative with a research sample of 96 parents of consumers who choose to play at I Zone. Collecting data using a questionnaire with data analysis using SPSS. The results of the anakysis show that the price has no significant effect on the decision to choose, promotion has significant effect on the decision to choose, and the price and promotion simultaneously have a significant effect  on the decision to choose.
Determinants Of Profitability In Regional Development Banks: Case Study In 2019 – 2021 Puspitasari, Devy Mawarnie; Sihite, Heryanto Romario; Napitupulu, Sotarduga
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 7, No 2 (2023): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v7i2.6855

Abstract

This study aims to analyze financial performance based on profitability disclosures at Regional Development Banks (BPD) in Indonesia. The object of research is the annual financial statements of companies with a population of 27 Regional Development Banks operating in 2019 2021. Determination of the sample using documentation techniques and the number of samples (n) that meet the criteria as many as 81 samples. The research uses a quantitative approach with secondary data sources in the form of annual reports. The data analysis method used is the normality test, classical assumption test, multiple linear regression, hypothesis testing, and coefficient of determination test at a significance level of 5%, the data is processed using the SPSS version 24 application. The statistical test results show the independent variable Capital Adequacy Ratio, Non -Performing Loan, Good Corporate Governance, Institutional Share Ownership, Operating Expenses on Operating Income, and Earnings Management together affect the dependent variable Return on Assets and Return on Equity. The contribution levels of the two regression models are 83.70% and 86.50%. The determinant factors that influence fluctuations in profitability (ROA and ROE) are Capital Adequacy Ratio, Non-performing Loan, Operating Expenses to Operating Income, and Earnings Management.
Effectiveness Model Of Leadership, Business Environment and Organizational Work Culture On The Implementation Of Corporate Governance (GCG) In BPR In DKI Jakarta Puspitasari, Devy Mawarnie; Rosdiana, Riska; Dasman, Sunita; Rahayu, Piki; Kusuma, Spaikurahman
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 4, No 1 (2020): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i2.9731

Abstract

This research aims to establish a model of leadership effectiveness, business environment and organizational work culture on the implementation of corporate governance (GCG) in BPR in DKI Jakarta. The data collection method uses a survey method with the research instrument being a questionnaire. The data analysis method used in this research is the Structural Equation Model (SEM) – Partial Least Square (PLS) with the Smart-PLS analysis tool. The population used in this research was BPR in DKI Jakarta and the sample size was determined using a saturated sampling technique. The research results show that leadership, business environment and organizational work culture have a significant influence on corporate governance. Therefore, BPR must pay attention to variables that are indicators of good GCG practices to support the achievement of company performance targets. This research contributes to producing a model that is able to explain 81% of GCG implementation for banking in Indonesia, especially BPR.
Strengthening Financial Capabilities and Entrepreneurial Skills of Indonesian Migrant Workers in Penang, Malaysia Puspitasari, Devy Mawarnie; Bachtillah, Andriansyah
Unram Journal of Community Service Vol. 6 No. 3 (2025): September
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i3.1127

Abstract

This community engagement program aims to enhance financial literacy and entrepreneurial readiness among Indonesian Migrant Workers (TKI) in Penang, Malaysia. Many TKI, particularly those employed in the informal sector, face significant challenges in managing personal finances and lack the necessary skills to initiate small businesses. In collaboration with the NGO Permai Malaysia, this program offers participatory training that covers basic financial management, daily expense tracking, savings and debt planning, as well as the development of simple micro-enterprises. The program is designed using a Participatory Action Research (PAR) approach and employs Gap Analysis to identify learning needs. The results indicate a significant improvement in participants’ knowledge and confidence in financial management, with many expressing enthusiasm and readiness to apply the skills acquired. The success of this initiative highlights the importance of practical and context-relevant education in empowering migrant workers towards economic independence. This activity supports the Sustainable Development Goals (SDGs), particularly in the areas of quality education, decent work, and reduced inequalities.
Co-Authors Ajeng Andriani Hapsari, Ajeng Andriani Amaliwiati, Lia Andriansyah Bachtillah Bachtillah, Andriansyah Chin, Jacky Eristy Minda Utami Eristy Minda Utami Farida Nursjanti Fitrianingsih Fitrianingsih Kusuma, Spaikurahman Lia Amaliawiati Lia Amaliwiati Matsani Matsani Napitupulu, Sotarduga Nursjanti, Farida Poppy Indriani Rahayu, Piki Rosdiana, Riska Saputro, Galih Eko Saputro, Rizal Sigit Sihite, Heryanto Romario Sotarduga Napitupulu Sunita Dasman Utami, Eristy Minda Yuliani, Reva Zulpianda Nublah