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All Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Jurnal Ilmu Manajemen (JIMMU) Jurnal Ekonomi dan Bisnis Indonesia Management Studies and Entrepreneurship Journal (MSEJ) Accounting Profession Journal (APAJI) International Journal of Environmental, Sustainability, and Social Science International Journal of Global Accounting, Management, Education, and Entrepreneurship (IJGAME2) Wiga : Jurnal Penelitian Ilmu Ekonomi Jurnal Ilmu Manajemen Advantage Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Jurnal Abdimas Prakasa Dakara Al-Khidmah Jurnal Pengabdian Masyarakat Bulletin of Management and Business Capacitarea : Jurnal Pengabdian Kepada Masyarakat Pangripta Jurnal Ilmiah Kajian Perencanaan Pembangunan Journal of Economics, Entrepreneurship, Management Business and Accounting International Journal of Accounting and Management Research (IJAMR) Fundamental and Applied Management Journal
KINANTI, Kartika Ayu
Institut Teknologi Dan Bisnis Widya Gama Lumajang, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Peran Literasi Keuangan dalam Perencanaan Pensiun yang Sukses: Tinjauan Literatur dan Agenda Riset Masa Depan Firdaus Al Maidah; Kartika Ayu Kinanti; Yulian Ade Chandra
Accounting Profession Journal (APAJI) Vol. 7 No. 1 (2025): Accounting Profession Journal (APAJI)
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Kristen Indonesia Paulus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35593/apaji.v7i1.259

Abstract

Peran Literasi Keuangan dalam Perencanaan Pensiun yang Sukses: Tinjauan Literatur dan Agenda Riset Masa Depan. Penelitian ini menganalisis tren penelitian terkait literasi keuangan dan perencanaan pensiun yang dipublikasikan dari 2014 hingga 2023. Sebanyak 233 artikel diidentifikasi melalui Publish or Perish dan Scopus, kemudian 35 artikel terpilih diseleksi kembali berdasarkan tiga kriteria spesifik. Artikel dikelompokkan menurut wilayah, kategori sampel, metode penelitian, dan pergerakan tahunan. Hasil review menunjukkan bahwa penelitian tentang literasi keuangan dan perencanaan pensiun semakin luas, terutama di Asia dan Amerika Utara, dengan metode kuantitatif yang dominan digunakan. Faktor gender, pendidikan, budaya, dan psikologi adalah faktor yang paling banyak ditemukan memiliki peran penting dalam perencanaan pensiun. Abstract: The Role of Financial Literacy in Successful Retirement Planning: A Literature Review and Future Research Agenda. This study analyzes research trends related to financial literacy and retirement planning published between 2014 and 2023. A total of 233 articles were identified through Publish or Perish and Scopus, with 35 articles selected based on three specific criteria. The articles were grouped by region, sample category, research method, and annual trends. The review results show that research on financial literacy and retirement planning has expanded, particularly in Asia and North America, with quantitative methods being predominantly used. Gender, education, culture, and psychology are the most frequently identified factors playing a crucial role in retirement planning.
Scale up komersialisasi UKM abon melalui teknologi dan digital marketing Meilan, Ria; Kinanti, Kartika Ayu; Ekmarinda, Een Yualika
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 4 (2024): December
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i4.27432

Abstract

Abstrak Penerapan teknologi dan digital marketing tepat guna memaksimalkan produksi dan pendapatan UMKM Abon untuk mencapai stabilitas keuangan jangka panjang dan kinerja berkelanjutan. Strategi pelaksanaan program pengabdian masyarakat ini meliputi pendekatan partisipatif dengan melibatkan pemilik UMKM Abon Bu Edy dalam setiap tahapan program. Pelatihan dan pendampingan yang intensif dengan menambah pengetahuan mendalam tentang manajemen teknologi dan analisis kinerja pemasaran digital serta penyusunan laporan laporan keuangan. Hasil kegiatan ini menunjukkan adanya peningkatan kualitas produk yang dihasilkan UMKM Abon Bu Edy melalui penerapan mesin spinner peniris minyak. Dalam hal pelatihan dan pendampingan digital marketing dan branding produk UMKM Abon Bu Edy telah memiliki akun media sosial dan e-commerce juga label kemasan produk sebagai media penjualan, promosi dan branding produk. Untuk pelatihan dan pendampingan penyusunan laporan keuangan mitra telah menggunakan aplikasi yang tersedia umum untuk pencatatan transaksi. Melalui upaya tersebut, UMKM Abon Bu Edy mampu mengembangkan dan meningkatkan kualitas produknya, memanfaatkan teknologi secara lebih efektif, serta membangun jaringan pelanggan di ranah digital. Kata kunci: digital marketing; branding produk; laporan keuangan UMKM; pelatihan dan pendampingan; abon Abstract The application of technology and digital marketing is appropriate to maximize the production and income of Abon MSMEs to achieve long-term financial stability and sustainable performance. The strategy for implementing this community service program includes a participatory approach by involving Abon Bu Edy MSME owners in every stage of the program. Intensive training and mentoring by adding in-depth knowledge of technology management and digital marketing performance analysis and preparation of financial reports. The results of this activity show an increase in the quality of products produced by Abon Bu Edy MSMEs by applying oil spinner draining machines. Regarding training and mentoring for digital marketing and branding of Abon Bu Edy MSME products, they already have social media and e-commerce accounts and product packaging labels as a medium for sales, promotion, and product branding. For training and mentoring in preparing financial reports, partners have used publicly available applications for recording transactions. Through these efforts, Abon Bu Edy MSMEs can develop and improve the quality of their products, utilize technology more effectively, and build customer networks in the digital environment. Keywords: digital marketing; product branding; MSME’s financial reports; training and mentoring; abon
LITERASI DAN HEDONISME TERHADAP PERILAKU KEUANGAN: PERAN INTERVENSI LOCUS OF CONTROL Kinanti, Kartika Ayu; Chandra, Yulian Ade; Al Maidah, Firdaus; Nareswari, Ayu
Jurnal Ekonomi dan Bisnis Indonesia Vol 10 No 1 (2025): JURNAL EKONOMI DAN BISNIS INDONESIA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Teknologi Sumbawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37673/jebi.v10i1.6111

Abstract

Globalization has enhanced economic development worldwide, including in Indonesia. Yet, people increasingly find it difficult to differentiate between wants and actual needs. As financial capacity and education levels grow annually in Indonesia, this study investigates how financial literacy and hedonism impact financial management behavior, with locus of control as a mediating factor. Targeting working women in Jember Regency, the study applied Malhotra's sampling rule, selecting 200 respondents based on 20 indicators. Structural Equation Modeling (SEM) using SmartPLS was employed to analyze the data. Findings reveal that financial literacy and hedonistic tendencies influence financial management behavior, with locus of control playing a significant mediating role.
The Influence of Leverage, Profitability, and Company Size With Moderation of Audit Quality on Company Value Kinanti, Kartika Ayu; Rusdianti, Imanita Septian; Septiani, Ria; Mudjiyanti, Rina; Cahyaningati, Retno
Bulletin of Management and Business Vol. 5 No. 1 (2024): March 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v5i1.313

Abstract

Companies in the D222 sector in Indonesia have the potential to dominate the global market. This study aims to examine how the value of companies in the D222 sector is formed by financing policies, namely leverage, the ability to generate profits, namely profitability. Additionally, this research also investigates the influence of company size on firm value. The urgency of this research is underscored by the fact that audit performance is instrumental in driving strategic efforts by companies to enhance their value. Sampled from the years 2020-2022 and drawn from companies listed on the stock exchange, the population consists of 26 companies. Purposive sampling was employed to select a sample of 19 companies in the D222 sector. The data was analyzed using multiple regression in SPSS version 27. The findings indicate that financing policies, specifically Leverage, do not significantly influence firm value, whereas the ability to generate profits, namely Profitability, has a significant positive impact on firm value. Company size does not appear to affect the increase in firm value. However, the role of Audit Quality as a moderator yields varying results. Regarding the relationship between financing policies, namely leverage, and firm value, Audit Quality does not seem to strengthen it. The same results are obtained concerning the relationship between the ability to generate profits, namely profitability, and firm value. However, Audit Quality appears to strengthen the relationship between Company Size and Firm Value. These findings offer valuable insights into the interaction of these factors in the context of the processed food industry in Indonesia, aiming for dominance in the global market.
Transformasi Digital dan Teknologi Produksi IKM “Yas Mey” Menuju Industri Rumah Tangga 4.0 Al Maidah, Firdaus; Kartika Ayu Kinanti; Ria Meilan; Alfi Yusrian; Ananda Viza Oktavia
Jurnal Abdimas Prakasa Dakara Vol. 5 No. 2 (2025): Membangun Kemandirian Komunitas: Sinergi Digital, Partisipatif, dan Kultural da
Publisher : LPPM STKIP Kusuma Negara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37640/japd.v5i2.2509

Abstract

Program Pengabdian Masyarakat Pemula ini dilaksanakan dengan tujuan meningkatkan kapasitas produksi, memperluas pemasaran, dan memperbaiki manajemen keuangan pada IKM Yas Mey Rengginang di Kabupaten Lumajang. Metode pelaksanaan terbagi dalam lima tahap, yaitu sosialisasi, pelatihan, penerapan teknologi, pendampingan dan evaluasi, serta strategi keberlanjutan. Hasil kegiatan menunjukkan adanya peningkatan produksi sebesar 80% melalui penggunaan mesin pengering, terbentuknya akun Google Maps sebagai sarana identitas digital usaha, serta meningkatnya pemahaman mitra dalam menghitung Harga Pokok Produksi (HPP) sebagai dasar pengelolaan keuangan. Program ini tidak hanya memberikan solusi terhadap permasalahan teknis dan manajerial yang dihadapi mitra, tetapi juga mendorong kemandirian dan keberlanjutan usaha dalam jangka panjang. Dengan capaian ini, diharapkan mitra dapat lebih kompetitif dalam menghadapi persaingan pasar serta menjadi contoh praktik baik bagi pelaku usaha rumah tangga sejenis.
Kreatif dengan AI: Tingkatkan Literasi dan Kepatuhan Pajak Kinanti, Kartika Ayu; Chandra, Yulian Ade; Suyono, Aji Prasetyo
Capacitarea : Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 3 (2024): September - Desember
Publisher : Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/capacitarea.2024.004.03.15

Abstract

Pengabdian ini bertujuan untuk merancang kampanye pajak yang efektif dengan memanfaatkan kreativitas dan pengunaan teknologi AI dengan bijak sebagai alat untuk meningkatkan literasi dan kepatuhan pajak dengan melibatkan mahasiswa sebagai generasi pajak. Jenis pengabdian yang digunakan adalah pembuatan komik pajak pusat maupun daerah sehingga secara kreatif dapat membantu mempermudah anak muda dalam menambah dan memahami literasi pajak. Metode yang dilakukan adalah tahap pemberian materi secara tatap muka dalam kelas, perencanaan pembuatan komik, pelaksanaan pembuatan komik dan evaluasi berupa penilaian akhir. Hasil pembuatan komik menunjukkan bahwa mahasiswa mampu mengesplorasi kreativitasnya dengan bantuan teknologi AI dan lebih bijak dalam menggunakan AI, terbukti literasi pajak dalam bentuk komik tersampaikan dengan baik dan menarik. Keterbatasan dari kegiatan ini adalah komik yang dihasilkan masih belum terpublikasi di media sosial sehingga belum tersampaikan secara luas, saran kedepannya komik dapat terpublikasi di media sosial sehingga mampu dibaca oleh masyarakat.
COMPARISON OF FINANCIAL LITERACY LEVELS OF FACULTY OF ECONOMICS AND BUSINESS (FEB) AND NON-FEB STUDENTS BASED ON FINANCIAL BEHAVIOR Suyono, Aji Prasetyo; Mukhsin, Muhammad; Kinanti , Kartika Ayu
Jurnal Ekonomi dan Bisnis Indonesia Vol 10 No 2 (2025): JURNAL EKONOMI DAN BISNIS INDONESIA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Teknologi Sumbawa

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

Abstract

This study aims to compare the level of financial literacy between students from the Faculty of Economics and Business (FEB) and students from other faculties (non-FEB). This comparison will be conducted using indicators of financial behavior demonstrated by students. This research is a quantitative study using the comparative descriptive method. Conclusions are drawn from data processing based on percentage analysis and trend analysis. The sample of students in this study were students from the Faculty of Economics and Business (FEB) and non-FEB students from various state and private universities in Surabaya, Jember, Malang, Semarang, and Lumajang. Both students from the Faculty of Economics and Business (FEB) and non-FEB students have high levels of financial literacy. These results contradict the assumption that students from the Faculty of Economics and Business (FEB) have better financial literacy than students from other faculties (non-FEB). This research is expected to enrich the literature on financial literacy, particularly by comparing two groups of students (FEB and non-FEB) with different educational backgrounds and exposure to information. The results are expected to bridge the gap between multidisciplinary disciplines, namely economics/finance and social/behavioral sciences.
Navigating the Paradox of FOMO and Faith: A Multidimensional Clustering of Women’s Financial Management Behavior Kartika Ayu Kinanti; Yulian Ade Chandra; Firdaus Al Maidah; Ananda Salsabila Kenyo Sarasati; Dea Rahayu
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 16 No. 1 (2026): March 2026
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/wiga.v16i1.1923

Abstract

This research offers a novel integration of psychological drivers (FOMO) and sociocultural values (religiosity) within a multidimensional clustering framework to analyze women’s financial behavior in the Tapal Kuda region. By employing the Fuzzy Possibilistic C-Means (FPCM) algorithm, this study maps the heterogeneity of financial conduct across variables of age, literacy, and consumption patterns. Analyzing survey data from 384 respondents, the FPCM approach successfully identified four distinct behavioral archetypes: Good, Moderate, Poor, and Extreme Consumption. Empirical findings reveal a significant generational divide: women aged 25–34 exhibit the highest financial resilience, while the 18–24 cohort remains the most vulnerable within the ‘Poor’ cluster. Paradoxically, the 45–54 age group shows a high propensity for ‘Extreme Consumption’ where modern psychological pressures (FOMO) frequently override religious discipline. Technical analysis further confirms that excluding age as a clustering variable produces a more robust and balanced distribution. These results provide a foundation for specialized financial inclusion programs that must shift beyond basic literacy to include psychological mitigation of FOMO, ensuring long-term financial stability tailored to specific demographic profiles.
SMEs Success: Roles of Financial Literacy, Capital Structure, and Innovation Retno Cahyaningati; Alifi Tria Susanti; Kartika Ayu Kinanti
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 16 No. 1 (2026): March 2026
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/wiga.v16i1.1924

Abstract

This study examines the roles of financial literacy and capital structure in improving SME performance, with innovation as a mediating variable. Using a quantitative causal design, data were collected from 425 SME owners and analyzed with Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that financial literacy has a significant positive effect on innovation, but no direct effect on SME performance. In contrast, capital structure significantly affects both innovation and SME performance. Innovation also has a significant positive effect on performance and serves as a key mechanism in the model: it fully mediates the relationship between financial literacy and SME performance. It partially mediates the relationship between capital structure and SME performance. These findings contribute to the SME literature by showing that financial capability and financing decisions do not automatically improve performance unless they are translated into innovation. Practically, the study suggests that SME development programs should combine financial literacy training with innovation support. At the same time, financing policies should enable balanced capital structures that help SMEs invest in product, process, and service innovation. This study is limited by its cross-sectional design and self-reported data, which may restrict causal generalization over time.
Education, Environment, and Digital Access to Financial Literacy through Self-Efficacy Aji Prasetyo Suyono; Yulian Ade Chandra; Kartika Ayu Kinanti; Nayla Iftitah Despriana; Lisa Faradianti
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1628

Abstract

Purpose – This study aims to examine the influence of financial education, family environment, and digital access partially on students' financial literacy, by placing financial self-efficacy as a mediating variable. Design/methodology/approach – This study employed a quantitative method with a survey approach through questionnaire distribution. Primary data were collected from the active student population in East Java. The sample was determined using the Lemeshow formula with a purposive sampling technique. Data analysis was conducted in stages using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method through SmartPLS software to test the outer model, inner model, and hypothesis testing via bootstrapping. Finding/Results – The test results show that financial education has a positive and significant direct impact on students' financial literacy. Conversely, the direct influence of family environment and digital access was shown to be insignificant on students' financial literacy. The mediation pathway of financial self-efficacy was found to fail to bridge the influence of financial education, but was found to establish a significant indirect-only relationship of family environment and digital access on financial literacy. Originality/Value – The main novelty of this study lies in the role of family environment and digital access, which were shown to have no direct role, but became very significant when intervened by the psychological mediator factor of financial self-efficacy. The main message of this study is that individual financial mental maturity is an indirect-only mediation prerequisite for successful financial literacy adoption in the digital era.
Co-Authors Afrilia, Nur Khusmiyah Aji Prasetyo Suyono Al Maidah, Firdaus Alfi Yusrian Alifi Tria Susanti Ananda Salsabila Kenyo Sarasati Ananda Viza Oktavia Ayu Nareswari Cahyaningati, Retno Dea Rahayu Ekmarinda, Een Yualika Elok Sri Utami Firdaus Al Maidah Firdaus Al Maidah Firdaus Al Maidah Hari SUKARNO Imanita Septian Rusdianti Lestari, Vita Dwi Lisa Faradianti Maidah, Firdaus Al Marsuhin Marsuhin Meilan, Ria Moh. Hudi Setyobakti Mudjiyanti, Rina Mukhsin, Muhammad Nareswari, Ayu Nayla Iftitah Despriana Ria Meilan Septiani, Ria Suyono, Aji Prasetyo Suyono, Aji Preasetyo Yulian Ade Chandra