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All Journal International Journal of Artificial Intelligence Research International Humanities and Applied Science Journal Jurnal Kreativitas PKM 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) International Journal of Accounting & Finance in Asia Pasific Accounting Studies and Tax Journal Digital Business Progress Journal of Management
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 Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Resilience Rural Banks Pasca Covid-19 Puspitasari, Devy Mawarnie; Chin, Jacky; Dasman, Sunita; Indriani, Poppy; Saputro, Rizal Sigit
International Journal of Artificial Intelligence Research Vol 8, No 1.1 (2024)
Publisher : Universitas Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v8i1.1.1342

Abstract

Beginning with a health crisis, the Covid-19 pandemic has had a domino effect on social, economic, and financial aspects. The economy has experienced a slowdown, accompanied by a decline in purchasing power due to reduced income. Tourist areas have become completely deserted, resulting in a lack of income and economic activity. The impact of the pandemic has inevitably spread to the banking sector, particularly affecting Rural Banks (known as BPR). The role of BPR, as part of the government's strategy for local economic development and labor absorption, has also been disrupted. In Indonesia, BPR has long been the backbone of microfinance, serving micro, small, and medium enterprises (MSMEs). However, the Covid-19 pandemic has shaken this sector, forcing BPRs to confront challenges while exploring new opportunities for resilience. This research recommends that Rural Banks strengthen risk management and operational efficiency to enhance their resilience in the future.This research contributes to the existing literature by providing a focused analysis of Rural Banks specific financial performance variables and recommends that Rural Banks strengthen risk management and operational efficiency to enhance their resilience in the future. The research employs logit analysis to develop a prediction model. The findings indicate that the resilience model can serve as a predictive tool for BPR resilience in the post-pandemic period, supporting economic empowerment, particularly for MSMEs and labor absorption. This study introduces the concept of Off-Balance Sheet management as a strategic tool for enhancing resilience, which has been underexplored in the context of rural banking in Indonesia.
The Influence of Financial Technology on the Advancement of Financial Inclusion in Micro, Small, and Medium Enterprises (MSMEs) in West Java Hapsari, Ajeng Andriani; Puspitasari, Devy Mawarnie
Accounting Studies and Tax Journal (COUNT) Vol. 1 No. 1 (2024): Accounting Studies and Tax Journal (COUNT)
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/5v4t9q48

Abstract

The aim of composing this article is to investigate how a whole lot of impact on fintech (risk and investment management, market provisioning, and cashless society) has on financial inclusion (financial knowledge, financial behavior and financial attitudes) in MSMEs in West Java. The research completed is a kind of quantitative study. The population of this research is the MSME industry in West Java with a focus on the usage of archival statistics. This research uses descriptive evaluation and classical assumption exams. The results indicate that the financial technology variables (risk and investment and market provisioning) have no effect on economic inclusion (financial knowledge, financial behavior and financial attitudes) while the fintech variables (cashless society) have an impact on financial inclusion (financial knowledge, financial behavior and financial attitudes).
PENINGKATAN KEMAMPUAN PERENCANAAN KEUANGAN GENERASI Z MELALUI LITERASI KEUANGAN DAN PENGALAMAN KEUANGAN Utami, Eristy Minda; Puspitasari, Devy Mawarnie; Nursjanti, Farida
Diklat Review : Jurnal manajemen pendidikan dan pelatihan Vol. 6 No. 2 (2022): Kolaborasi Pendidikan, Pelatihan, dan Pemberdayaan untuk Penguatan Kapasitas Ma
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/diklatreview.v6i2.1104

Abstract

Aktivitas di pasar modal dalam tiga tahun terakhir didominasi oleh Generasi Z. Namun, Generasi Z dinilai belum memiliki kesadaran dan pemahaman yang cukup tentang perencanaan keuangan dan literasi keuangan yang merupakan hal penting dalam berinvestasi. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan pengalaman keuangan terhadap perencanaan keuangan. Populasi dalam penelitian ini adalah mahasiswa S1/D3 manajemen Universitas Widyatama yang mengikuti kegiatan PKM: Smart Financial Planning for Better Life. Teknik pengambilan sampel yang digunakan adalah Non Probability Sampling-purposive sampling dengan jumlah sampel sebanyak 100 responden. Analisis data yang digunakan adalah regresi linier berganda dengan taraf signifikansi 5%. Hasil penelitian menunjukkan bahwa literasi keuangan dan pengalaman keuangan berpengaruh terhadap perencanaan keuangan. Hasil penelitian ini diharapkan dapat menambah pengetahuan dalam pengelolaan keuangan sebagai upaya meningkatkan kualitas perencanaan keuangan investor melalui peningkatan literasi keuangan dan pengalaman keuangan.
THE EFFECT OF WORK MOTIVATION, WORK LOAD AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE OF PT. BARA BENTALA INDONESIA Saputro, Galih Eko; Puspitasari, Devy Mawarnie
International Humanities and Applied Science Journal Vol 8, No 3 (2025): VOLUME 8, ISSUE 3, 2025
Publisher : Universitas Mercu Buana

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Abstract

This study aims to examine the effect of work motivation, workload, and work discipline on employee performance at PT. Bara Bentala Indonesia. The research method used is a quantitative method with Partial Least Square (PLS) analysis tools. The population in this study was 40 employees of PT. Bara Bentala Indonesia using a quantitative descriptive approach. The sample of this study was all employees working at PT. Bara Bentala Indonesia. Determination of sample size using saturated samples, namely taking the entire population. The data collection method uses a survey method with a questionnaire as the research instrument. The results of the data processing show that work motivation has a significant and positive effect on employee performance and the work discipline variable has a significant and positive effect on employee performance. While the workload variable does not affect the performance of employees at PT. Bara Bentala Indonesia.  Keywords: Work Motivation, Work Load, Work Discipline, Employee Performance
Accounting Practices and Financial Accountability in Tourism-Based Small and Medium Enterprises in Bali Sotarduga Napitupulu; Devy Mawarnie Puspitasari
Journal of Management Vol. 5 No. 1 (2026): January - June
Publisher : Yayasan Pendidikan Belajar Berdikari

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Abstract

Tourism-based small and medium enterprises (SMEs) play an important role in supporting local economic development in Bali. However, many SMEs still face challenges in implementing proper accounting practices and maintaining financial accountability. This study aims to examine accounting practices and financial accountability in tourism-based SMEs in Bali. The research employs a qualitative approach using interviews, observations, and document analysis to understand how SME owners manage their financial records and financial reporting activities. The findings indicate that most tourism SMEs in Bali still rely on simple bookkeeping practices, primarily focusing on recording daily income and operational expenses. While these practices help business owners monitor financial activities, many SMEs have not yet implemented standardized accounting systems or prepared structured financial statements. Limited accounting knowledge, lack of financial literacy, and insufficient training are identified as major factors influencing the quality of financial reporting among SMEs.Despite these challenges, some tourism SMEs have begun adopting digital accounting tools and simplified financial reporting standards such as SAK EMKM to improve financial management and transparency. The study suggests that strengthening financial literacy, promoting accounting training programs, and encouraging the adoption of digital financial tools can improve financial accountability among tourism-based SMEs. Improving accounting practices will not only enhance business sustainability but also support the development of a more resilient tourism economy in Bali.
The Impact of Content Marketing on Purchase Intentions: An Empirical Study of Jamuin.co's Instagram Marketing Strategy Irwanto Prasetyo; Rashaky Arya Vito; Afara Ross Prawidya; Dhea Putri Aulia; Ridho Satya Dwi Putra; Silvia Nurissaifah; Shofiyatun Khasanah; Maya Aulia Wulan; Devy Mawarnie Puspitasari
International Humanities and Applied Science Journal Vol. 9 No. 1 (2026)
Publisher : Universitas Mercu Buana

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Abstract

This study examined the effect of content marketing on consumers’ purchase intentions through Instagram, using Jamuin.co as the research object. The rapid growth of social media usage has encouraged businesses, particularly micro and small enterprises, to adopt content marketing strategies to influence consumer behavior. A causal quantitative approach was employed, and data were collected through an online survey distributed to Instagram users who had previously viewed Jamuin.co’s content. A total of 55 valid responses were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). Content marketing was measured based on its relevance, accuracy, value, clarity, accessibility, and consistency, while purchase intention was assessed through consumers’ interest, desire, and willingness to purchase. The results demonstrated that content marketing had a positive and significant effect on purchase intentions, with a path coefficient of 0.736 and a coefficient of determination (R²) of 0.542. This indicates that content marketing explained 54.2% of the variance in consumers’ purchase intentions. The findings confirmed that informative, engaging, and visually appealing Instagram content played a crucial role in shaping consumers’ psychological responses and encouraging purchase intentions. This study provided empirical evidence that effective content marketing strategies on social media could significantly enhance purchase intentions for local brands in the modern herbal beverage industry.
Determinants of Sustainable Profitability in Indonesian Regional Development Banks During COVID-19 Devy Mawarnie Puspitasari; Sotarduga Napitupulu
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 2 (2026): June 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i2.4576

Abstract

Regional Development Banks (BPDs) in Indonesia face the dual responsibility of maintaining profitability while supporting regional economic development, a challenge that intensified during the COVID-19 pandemic. This study aims to examine the financial and governance determinants of sustainable profitability among Indonesian BPDs during the crisis period. Using panel data from 27 BPDs over 2019–2021, this study applies the Fixed Effects Model (FEM) to analyze the effects of capital adequacy ratio (CAR), non-performing loans (NPL), operational efficiency (BOPO), good corporate governance (GCG), and institutional share ownership (ISO) on return on assets (ROA). The results show that CAR has a positive and significant effect on ROA (b = 0.0823; p = 0.001), while NPL (b = -0.2156; p = 0.003) and BOPO (b = -0.0612; p = 0.003) have negative and significant effects. GCG (b = 0.0456; p = 0.019) and ISO (b = 0.0289; p = 0.035) also positively affect ROA. The model explains 72.34% of profitability variation. These findings imply that capital strength, credit risk control, operational efficiency, governance quality, and institutional oversight are essential for sustaining BPD profitability during systemic crises.
Penguatan Literasi Keuangan Berkelanjutan dan Skema Pembiayaan Sirkular dalam Program Revitalisasi Gang Perkotaan di Meruya Selatan Jakarta Barat Devy Mawarnie Puspitasari; Niken Sulistyowati; M Zikri; Rona Tumiur Mauli Caroline; Andriansyah Bachtillah Putra; Galuh Setyorini; Nuraini Nuraini
Jurnal Kreativitas Pengabdian Kepada Masyarakat (PKM) Vol 9, No 10 (2026): Volume 9 Nomor 10 (2026)
Publisher : Universitas Malahayati Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33024/jkpm.v9i10.27029

Abstract

ABSTRAK Pelaku usaha mikro di permukiman gang perkotaan menghadapi tiga defisit struktural: rendahnya literasi keuangan, ketiadaan sistem pencatatan usaha, dan keterputusan dari ekosistem pembiayaan formal; asesmen kebutuhan di Gang Rajawali, Meruya Selatan, Jakarta Barat menunjukkan skor literasi keuangan rata-rata hanya 34,2 dari 100, 89,4% warga mencampur keuangan usaha dan rumah tangga, serta 76,7% bergantung pada rentenir dengan bunga 10–30% per bulan. Program pengabdian kepada masyarakat ini bertujuan meningkatkan literasi keuangan, membangun disiplin pembukuan usaha mikro dan pemisahan keuangan usaha–rumah tangga, serta menginisiasi ekosistem pembiayaan sirkular berbasis komunitas. Program menggunakan pendekatan Participatory Action Research (PAR) yang dipadukan dengan experiential learning terhadap 30 peserta selama 12 bulan, meliputi pelatihan literasi keuangan dan buku kas (S-1), workshop harga pokok penjualan dan kartu stok (S-2), fasilitasi pembentukan dana bergulir komunitas (S-3), serta penyuluhan manajemen keuangan rumah tangga (S-4); efektivitas diukur melalui pre-test dan post-test 30 butir adaptasi SNLIK OJK yang dianalisis dengan paired-samples t-test dan N-gain. Skor literasi keuangan rata-rata meningkat dari 34,2 menjadi 61,5 (kenaikan 27,3 poin; p0,001; N-gain 0,42 kategori sedang), 76,7% peserta mencapai kenaikan ≥20 poin, 83,3% aktif mengisi buku kas pada bulan ketiga, dan terbentuk satu kelompok dana bergulir dengan 14 anggota aktif serta akumulasi dana Rp7,98 juta dalam empat siklus dengan tingkat pengembalian pinjaman 100%. Model pemberdayaan yang mengintegrasikan literasi keuangan, praktik ekonomi sirkular, dan pembiayaan berbasis komunitas terbukti efektif meningkatkan kapasitas keuangan masyarakat gang perkotaan dan berpotensi direplikasi di kawasan serupa. Kata Kunci: Keuangan Berkelanjutan, Ekonomi Sirkular, Usaha Mikro, Komunitas Perkotaan, Pembiayaan Berbasis Komunitas.  ABSTRACT Micro-entrepreneurs in urban alley settlements face three structural deficits: low financial literacy, the absence of business record-keeping systems, and disconnection from formal financing ecosystems; a needs assessment in Gang Rajawali, South Meruya, West Jakarta revealed an average financial literacy score of only 34.2 out of 100, with 89.4% of residents mixing business and household finances and 76.7% relying on informal moneylenders charging 10–30% monthly interest. This community service program aimed to improve financial literacy, build bookkeeping discipline and business–household financial separation among micro-enterprises, and initiate a community-based circular financing ecosystem. The program employed Participatory Action Research (PAR) combined with experiential learning involving 30 participants over 12 months, comprising financial literacy and cash-book training (S-1), a cost-of-goods-sold and stock-card workshop (S-2), facilitation of a community circular fund (S-3), and household financial management counseling (S-4); effectiveness was measured through a 30-item pre-test and post-test adapted from the OJK SNLIK instrument, analyzed using paired-samples t-tests and N-gain scores. The average financial literacy score increased from 34.2 to 61.5 (a 27.3-point gain; p0.001; N-gain 0.42, moderate category), 76.7% of participants achieved a ≥20-point increase, 83.3% actively maintained cash books by month three, and one circular fund group was established with 14 active members and an accumulated fund of IDR 7.98 million over four cycles with a 100% loan repayment rate. The empowerment model integrating financial literacy, circular economy practices, and community-based financing proved effective in strengthening the financial capacity of urban alley communities and is replicable in similar areas. Keywords: Sustainable Finance, Circular Economy, Micro-Enterprises, Urban Communities, Community-Based Financing.
Co-Authors Afara Ross Prawidya Ajeng Andriani Hapsari, Ajeng Andriani Amaliwiati, Lia Andriansyah Bachtillah Putra Chin, Jacky Dhea Putri Aulia Eristy Minda Utami Eristy Minda Utami Farida Nursjanti Fitrianingsih, Fitrianingsih Galuh Setyorini Irwanto Prasetyo Kusuma, Spaikurahman Lia Amaliawiati Lia Amaliwiati M Zikri Matsani Maya Aulia Wulan Niken Sulistyowati Nuraini Nuraini Nursjanti, Farida Poppy Indriani Rahayu, Piki Rashaky Arya Vito Ridho Satya Dwi Putra Riska Rosdiana Rona Tumiur Mauli Caroline Saputro, Galih Eko Saputro, Rizal Sigit Shofiyatun Khasanah Sihite, Heryanto Romario Silvia Nurissaifah Sotarduga Napitupulu Sunita Dasman Utami, Eristy Minda Yuliani, Reva Zulpianda Nublah