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I Komang Widya Purnama Yasa
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Penguatan Literasi Keuangan Digital pada Masyarakat di Lingkungan Babakan Gerung Putu Ita Lestari; Ni Putu Sasmika Dewi; Sri Rahayu Puspawati; I Komang Widya Purnama Yasa
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 15 No 2 (2025): Desember 2025
Publisher : LPPM UNINUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30999/jpkm.v15i2.3832

Abstract

The "Strengthening Digital Financial Literacy in the Babakan Gerung Community" program aims to increase public understanding of the safe and effective use of digital wallets. With the advancement of digital technology, the use of digital wallets such as ShopeePay, Dana, OVO, and LinkAja is growing. However, some residents, particularly in Babakan Gerung, still have limited understanding of the security features and potential risks associated with using these applications. This activity was carried out through four main stages: data collection, outreach, education, and mentoring. Data collection was conducted to identify digital wallet users and explore their experiences with digital fraud. The education program involved inviting resource persons to provide understanding on how to safely use digital wallets, including setting up two-step verification and protecting personal data. The mentoring program aimed to help the community understand how to secure their accounts and conduct transactions safely. Evaluations showed that after participating in the education and mentoring, most participants felt more confident and prepared to use digital wallets wisely. The evaluation also indicated that the program was successful in increasing digital financial literacy and reducing the community's reliance on cash transactions
Peran Mahasiswa KKN dalam Meningkatkan Efektivitas Pengajuan Kredit UMKM Melalui Edukasi dan Pendampingan di Lingkungan Babakan Indrawati, Kadek; Ni Putu Sasmika Dewi; Sri Rahayu Puspawati; I Komang Widya Purnama Yasa
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 15 No 2 (2025): Desember 2025
Publisher : LPPM UNINUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30999/jpkm.v15i2.3834

Abstract

UMKM (Usaha Mikro, Kecil, dan Menengah) berkontribusi signifikan terhadap perekonomian Indonesia, menyumbang hampir 99% dari total usaha di negara ini. Namun, pelaku UMKM menghadapi kesulitan dalam mengakses pembiayaan, terutama Kredit Usaha Rakyat (KUR), disebabkan oleh ketidakpahaman terhadap prosedur pengajuan dan kekhawatiran mengenai bunga yang tinggi. Program Kuliah Kerja Nyata (KKN) 2025 di Lingkungan Babakan Gerung, Kabupaten Lombok Barat, bertujuan untuk mengatasi tantangan ini dengan memberikan edukasi dan pendampingan langsung kepada pelaku UMKM. Program ini mencakup empat tahap: pendataan dan sosialisasi, edukasi tentang produk KUR, pendamping UMKM (Usaha Mikro, Kecil, dan Menengah) berkontribusi signifikan terhadap perekonomian Indonesia, menyumbang hampir 99% dari total usaha di negara ini. Namun, pelaku UMKM menghadapi kesulitan dalam mengakses pembiayaan, terutama Kredit Usaha Rakyat (KUR), disebabkan oleh ketidakpahaman terhadap prosedur pengajuan dan kekhawatiran mengenai bunga yang tinggi. Program Kuliah Kerja Nyata (KKN) 2025 di Lingkungan Babakan Gerung, Kabupaten Lombok Barat, bertujuan untuk mengatasi tantangan ini dengan memberikan edukasi dan pendampingan langsung kepada pelaku UMKM. Program ini mencakup empat tahap: pendataan dan sosialisasi, edukasi tentang produk KUR, pendampingan dalam pengisian formulir dan persiapan dokumen, serta evaluasi pemahaman masyarakat. Hasil evaluasi menunjukkan bahwa 85% peserta merasa lebih percaya diri setelah mengikuti edukasi, yang meningkatkan pemahaman mereka tentang prosedur pengajuan KUR. Pendampingan langsung membantu mereka dalam menyusun dokumen dengan benar, mengurangi kebingungan, dan meningkatkan literasi keuangan. Meskipun demikian, ketakutan terhadap bunga tinggi dan proses verifikasi yang kompleks masih menjadi hambatan. Secara keseluruhan, program ini efektif dalam memberdayakan pelaku UMKM untuk mengakses pembiayaan yang mendukung pengembangan usaha an dalam pengisian formulir dan persiapan dokumen, serta evaluasi pemahaman masyarakat. Hasil evaluasi menunjukkan bahwa 85% peserta merasa lebih percaya diri setelah mengikuti edukasi, yang meningkatkan pemahaman mereka tentang prosedur pengajuan KUR. Pendampingan langsung membantu mereka dalam menyusun dokumen dengan benar, mengurangi kebingungan, dan meningkatkan literasi keuangan. Meskipun demikian, ketakutan terhadap bunga tinggi dan proses verifikasi yang kompleks masih menjadi hambatan. Secara keseluruhan, program ini efektif dalam memberdayakan pelaku UMKM untuk mengakses pembiayaan yang mendukung pengembangan usaha
PELATIHAN KEWIRAUSAHAAN DAN AKUNTANSI DASAR BAGI ANAK DI DUSUN LAMPER MELALUI USAHA GELANG MANIK-MANIK Sang Ayu Putu Astriani; Ni Nyoman Ernita Ratnadewi; I Putu Pasek Bagiartha W.; I Komang Widya Purnama Yasa
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 15 No 2 (2025): Desember 2025
Publisher : LPPM UNINUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30999/jpkm.v15i2.3835

Abstract

This community service activity aims to improve children's understanding of entrepreneurship and basic accounting through the practice of making beaded bracelets in Lamper Hamlet, Jagaraga Village, Kuripan District, West Lombok Regency. The problem raised is the low level of entrepreneurial literacy and financial record-keeping among elementary and secondary school-aged children. In fact, instilling entrepreneurial values and financial management from an early age is important for developing creative, independent, and responsible characters. The method used is descriptive participatory, with an educational approach that involves providing materials, direct practice, and evaluation through questions and answers. The activity was held on July 9, 2025, involving 19 children as participants. The results of the activity showed that the children began to understand the concept of small businesses, the importance of recording income and expenses, and were able to apply these through a beaded bracelet business. They also demonstrated increased creativity, courage to express ideas, and enthusiasm for simple entrepreneurship. Evaluation through questions and answers proved that the visual and practical approach used was able to improve participants' understanding according to their age. This activity makes a positive contribution to improving children's entrepreneurial and financial literacy and has the potential to be further developed as a creative education model in rural communities.
Pelestarian Budaya Lokal melalui Pembuatan Klangsah pada Masyarakat Hindu Kabupaten Sumbawa I Made Ngurah Oka Mahardika; Ni Nyoman Harnika; I Wayan Astraguna; Edy Chandra; Ni Wayan Wida Sasmining Prastiwi; I Komang Widya Purnama Yasa; I Gede Bayu Wijaya
BERBAKTI: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 03 (2026): ISSUE FEBRUARI
Publisher : PT. Mifandi Mandiri Digital

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

Abstract

Keberadaan masyarakat Hindu di daerah transmigrasi memiliki tantangan tersendiri dalam menjaga keberlanjutan praktik budaya dan keagamaan, khususnya terkait ketersediaan sarana upacara tradisional. Salah satu elemen penting dalam ritual keagamaan Hindu adalah klangsah, yaitu anyaman daun kelapa yang digunakan dalam berbagai kegiatan upacara keagamaan dan budaya. Kegiatan pengabdian kepada masyarakat ini dilaksanakan di Dusun Kanar, Desa Labuhan Badas, Kecamatan Labuhan Badas, Kabupaten Sumbawa, dengan tujuan meningkatkan pengetahuan dan keterampilan masyarakat dalam pembuatan klangsah sebagai upaya pelestarian budaya lokal. Metode yang digunakan meliputi observasi awal, sosialisasi budaya, pelatihan partisipatif, serta pendampingan praktik pembuatan klangsah. Hasil kegiatan menunjukkan meningkatnya pemahaman masyarakat terhadap makna filosofis klangsah serta meningkatnya keterampilan teknis dalam pembuatannya. Kegiatan ini berkontribusi pada penguatan identitas budaya masyarakat Hindu di daerah transmigrasi sekaligus mendukung keberlanjutan praktik keagamaan berbasis kearifan lokal.
Empowering the Banjar Indra Giri Community Through the Use of Used Bottles as a Medium for Creative Economy Education in Sangiang Hamlet I Made Widiarsana Putra; I Nyoman Wijaya; I Putu Gede Asnawa Dikta; I Komang Widya Purnama Yasa
JURNAL TEPAT : Teknologi Terapan untuk Pengabdian Masyarakat Vol 8 No 2 (2025): Collaboration for Accelerated Community Achievement
Publisher : Faculty of Engineering UNHAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25042/jurnal_tepat.v8i2.644

Abstract

The problem of waste, especially plastic, has become an urgent environmental issue due to its difficulty in decomposing and its negative impact on the ecosystem. The activity “Empowering the Banjar Indra Giri Community through the Use of Used Bottles as a Medium for Creative Economic Education in Sangiang Hamlet” was carried out to provide a solution to this problem while also improving the community's financial literacy. The main objectives of this activity were to foster awareness and skills in managing plastic waste into products of economic value and to instill the habit of saving from an early age through a creative approach. The methods used included participatory observation, direct demonstrations, and evaluation with pre-test and post-test instruments to measure changes in participants' knowledge, attitudes, and skills. The quantitative results show a significant increase in all aspects assessed. The average pre-test score of 59 indicates a relatively low level of initial understanding, while the average post-test score increased to 91, indicating an increase of 54%. In detail, the aspect of understanding the importance of saving increased from 56 to 88, knowledge of plastic waste management from 60 to 90, creativity in making recycled products from 58 to 92, and environmental awareness from 62 to 94. These results show that the training program not only improved participants' cognitive abilities, but also encouraged positive behavioral changes in environmental management and financial habits. Qualitatively, the activity of making piggy banks from used bottles became a fun and meaningful educational tool for children. They learned to save money, hone their creativity, and understand the economic and ecological value of recycling. This program has succeeded in fostering a younger generation that is more independent, thrifty, and environmentally conscious. Thus, this empowerment activity has proven to be an effective model for creative economy-based community development that integrates environmental education and financial literacy to support sustainable development.
Pengaruh Rasio Keuangan terhadap Harga Saham pada PT Bank Rakyat Indonesia (Persero) Tbk Periode 2015–2024 I Gede Arika; I Komang Widya Purnama Yasa
Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen Vol. 13 No. 1 (2026): Jurnal Riset Manajemen
Publisher : Program Magister Manajemen STIE Widya Wiwaha Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/jrm.v13i1.1272

Abstract

This study aims to analyze the influence of financial ratios on the stock price of PT Bank Rakyat Indonesia (Persero) Tbk for the period 2015–2024 using quarterly data. Fluctuations in banking stock prices amidst stable profit growth indicate the need for empirical studies on the financial indicators that most influence investor perceptions. This study uses Signaling Theory and Capital Structure Theory as the basis for analysis with independent variables ROA (Return on Assets), CAR (Capital Adequacy Ratio), DER (Debt to Equity Ratio), and EPS (Earnings per Share), and stock price as the dependent variable. Multiple linear regression using the t-test, F-test, and coefficient of determination using SPSS V.27 is the study methodology. According to these results, stock prices are significantly impacted by CAR, significantly impacted by EPS, and not significantly impacted by ROA or DER. Together, the four ratios have a significant impact with a contribution of 67,9% to stock price variations. These findings confirm that CAR is the dominant factor considered by investors in assessing banking stocks.
Co-Authors Edy Chandra HARNIKA, NI NYOMAN I Gede Arika I Gede Bayu Wijaya I Made Ngurah Oka Mahardika I Made Widiarsana Putra I NYOMAN WIJAYA I Putu Gede Asnawa Dikta I Putu Pasek Bagiartha W. I Wayan Astraguna Indrawati, Kadek Ni Nyoman Ernita Ratnadewi Ni Putu Sasmika Dewi Ni Wayan Wida Sasmining Prastiwi Putu Ita Lestari Sang Ayu Putu Astriani Sri Rahayu Puspawati