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All Journal Jurnal Ekonomi & Keuangan Islam Batoboh : Jurnal Pengabdian Pada Masyarakat El-Barka: Journal of Islamic Economics and Business Journal of Accounting and Digital Finance Rahmatan Lil’alamin Journal of Community Services (RLA) Jurnal Pepadu Priviet Social Sciences Journal JFAS : Journal of Finance and Accounting Studies Jurnal Abdimas Independen Tintamas: Jurnal Pengabdian Indonesia Emas
Ely Windarti Hastuti, Ely Windarti
Department of Management, Faculty of Economics and Management, University of Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Factors affecting investment decision in Indonesia: Mediating role of intention to invest Maulana, Hartomi; Ulya, Alfina Zein Syarifa; Syahruddin, Syahruddin; Abadi, M. Kurnia Rahman; Hastuti, Ely Windarti; Harahap, Soritua Ahmad Ramdhani
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art6

Abstract

Purpose – This study examines the effects of digital financial literacy and cognitive ability on investment decisions. The study also investigates how the intention to invest mediates the relationship between digital financial literacy, cognitive ability, and Sharia investors’ decisions.Methodology – The methodology used in this study is a quantitative approach with probability sampling techniques of the cluster sampling method. The sample determination was performed using the Slovin formula. As a result, 400 respondents from seven major cities in East Java were obtained. Partial Least Square - Structural Equation Modelling (PLS-SEM) was used as an analysis technique.Findings – The results indicate that digital financial literacy and cognitive ability have a significant effect on investment decisions. Investment intention has been proven to act as a mediating variable linking digital financial literacy and cognitive ability with investment decisions.Implications – It is important for investors to have a good level of digital financial literacy and adequate cognitive abilities to improve investment decision-making. Investment intention is an important factor mediating the influence of both variables on investment decisions.Originality – This study contributes significantly to the comprehension of the factors that influence investment decisions, as well as the contribution of investment intention to the process.
Pengenalan Konsep Literasi Keuangan kepada Siswa Sekolah Menengah Pertama di Desa Montong Ajan, Lombok Tengah Putri, Baiq Krisnina Maharani; Aptasari, Fety Widianti; Hastuti, Ely Windarti; Mujahidi, Khairul
Tintamas: Jurnal Pengabdian Indonesia Emas Vol. 2 No. 2 (2025): Tintamas: Jurnal Pengabdian Indonesia Emas
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/tintamas.v2i2.2266

Abstract

This community engagement initiative was implemented to enhance financial literacy among students of SMP Islam Tanwirul Qulub Sengketan, located in Montong Ajan Village. The program was motivated by observations showing that many junior high school students still lack basic knowledge of financial concepts such as saving, budgeting, and understanding the value of money. Activities were carried out using a participatory approach, actively involving students throughout the process. The program was further enriched with interactive games and a social service component, including the distribution of school supplies and other essential educational materials. Through these activities, students at SMP Islam Tanwirul Qulub gained a clearer understanding of personal financial concepts, including the importance of saving, distinguishing between needs and wants, and managing their pocket money wisely.
Cerdas Finansial: Belajar Menabung untuk Membentuk Kemandirian Santri Aptasari, Fety Widianti; Putri, Baiq Krisnina Maharani; Hastuti, Ely Windarti; Mujahidi, Khairul; Darmansyah, Satria; Adha, Rishan; Feryansyah
Rahmatan Lil 'Alamin Journal of Community Services Volume 5 Issue 2, 2025
Publisher : Department of Accounting, Faculty of Business and Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RLA.Vol5.iss2art3

Abstract

This community service program aims to enhance the financial literacy of students at Wasilatul Abror Islamic Boarding School in Central Lombok by fostering saving habits and basic financial planning skills. Financial literacy is an essential competency that should be instilled early to build responsible and independent individuals. The program was implemented in three stages: preparation, implementation, and evaluation. The implementation stage included delivering fundamental financial concepts, simulating personal budgeting, and practicing simple saving activities. The results indicate an improvement in students’ understanding and awareness of financial management. Students began to differentiate between needs and wants, allocate their pocket money more effectively, and set aside a portion for savings. The evaluation phase revealed positive changes in financial behavior and the development of basic life skills in money management. This program demonstrates that Islamic boarding schools can play a strategic role in embedding financial literacy and fostering students’ financial independence, preparing them to face future economic challenges.
MEMBANGUN FONDASI LITERASI KEUANGAN SEJAK DINI: PROGRAM EDUKASI UNTUK ANAK USIA DINI Hudaya, Robith; Akram, Akram; Hastuti, Ely Windarti; Fadhilah, Faiz
https://jurnal.fe.unram.ac.id/index.php/abdimas/about/privacy Vol 6 No 2 (2025): Jurnal Abdimas Independen, November 2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/independen.v6i2.2511

Abstract

The community service program entitled “Building the Foundation of Financial Literacy from an Early Age: An Educational Program for Early Childhood” was implemented to provide children with a basic understanding of wise financial management from an early age. Financial literacy in children is a crucial aspect in shaping healthy financial behavior in the future, and therefore needs to be introduced through educational, interactive, and age-appropriate approaches. The program was carried out through several methods, including socialization, training, technology implementation, mentoring, and evaluation. The socialization stage successfully raised awareness among teachers, parents, and the community about the importance of financial literacy. Training sessions equipped teachers and parents with practical skills to teach basic financial concepts through daily activities, interactive media, and educational simulations. The use of technology, such as simple applications, animated videos, and digital games, proved effective in helping children understand the concepts of saving, distinguishing between needs and wants, and using money wisely. Evaluation results showed that more than 70% of teachers and parents observed positive behavioral changes in children, particularly in their saving habits. The program also produced learning modules and established support groups to ensure its sustainability. Thus, this program not only improved the knowledge and skills of teachers and parents but also contributed significantly to building a strong foundation of financial literacy among early childhood children in a sustainable manner.
PEMBERDAYAAN KELOMPOK MARJINAL MELALUI LITERASI AKUNTANSI SEDERHANA UNTUK MENINGKATKAN DAYA SAING USAHA Ridhawati, Rini; Suryantara, Adhitya Bayu; Hastuti, Ely Windarti; Aptasari, Fety Widianti
Jurnal Pepadu Vol 6 No 4 (2025): Jurnal Pepadu
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/pepadu.v6i4.8927

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberdayakan kelompok marjinal di Desa Lingsar, Lombok Barat, melalui literasi akuntansi sederhana. Kegiatan ini dilatarbelakangi oleh keterbatasan kelompok marjinal dalam memahami dan mengelola keuangan, yang menjadi salah satu faktor penghambat daya saing usaha mereka. Dengan memperkenalkan akuntansi sederhana, kelompok-kelompok usaha diharapkan dapat meningkatkan efisiensi pengelolaan keuangan, sehingga dapat mengambil keputusan terkait usaha dengan lebih baik menggunakan informasi akuntansi sederhana. Pelaksanaan kegiatan diawali dengan mengidentifikasi pengetahuan akuntansi dasar dan tantangan utama yang dihadapi oleh kelompok marjinal dalam penerapan akuntansi. Berdasarkan temuan tersebut, materi pelatihan disusun secara praktis dan aplikatif untuk mendukung pemahaman yang lebih baik. Pelatihan intensif dilaksanakan dengan pendekatan partisipatif dan dilengkapi dengan simulasi langsung penerapan akuntansi sederhana. Setelah pelatihan, pendampingan dilakukan untuk memastikan penerapan berkelanjutan, serta memberikan bimbingan teknis dalam pengelolaan usaha. Luaran yang ditargetkan meliputi peningkatan pemahaman dan keterampilan pengelolaan keuangan di kalangan peserta, penguatan daya saing usaha, dan publikasi ilmiah di jurnal nasional. Kegiatan ini diharapkan tidak hanya memberikan manfaat langsung berupa kemandirian ekonomi bagi kelompok marjinal, tetapi juga berkontribusi pada penguatan ekonomi lokal yang berkelanjutan.
Co-Authors Abadi, M. Kurnia Rahman Ahmad Setiyono Akram, Akram Amita, Amita Animah Animah Anuggrah, Anggun Aptasari, Fety Widianti Baiq, Krisnina Maharani Putri Darmansyah, Satria Fadhilah, Faiz Fadilla, Naswa Natania Ferdaus, Nadia Nuril Feryansyah Hanifa, Luthfia Hartomi Maulana Hasanah, Yaafiatul Iqbal Imari Muhammad Badrun Mujahidi, Khairul Putri, Baiq Krisnina Maharani Rahayu, Nila Rini Ridhawati Rishan Adha Rizqi, Nadia Rizqon, Abdul Latif Robith Hudaya Salsabella, Oktavira Hanggreanda Soritua Ahmad Ramdani Harahap Sumiarsih, Nani Suryantara, Adhitya Bayu Syahruddin Syahruddin Ulya, Alfina Zein Syarifa