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All Journal Jurnal Pendidikan Jasmani Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal J-MACC : Journal of Management and Accounting Agroplantae: Jurnal Ilmiah Budidaya dan Pengelolaan Tanaman Perkebunan Planta Simbiosa : Jurnal Tanaman Pangan dan Hortikultura Jurnal Pengabdian Masyarakat Nusantara International Journal of Management Science and Information Technology (IJMSIT) SENTRI: Jurnal Riset Ilmiah Jurnal Manajemen Diversity Logic Journal Multidisciplinary IIJSE Jurnal Pengabdian Kepada Masyarakat
Lina Budiarti, Lina
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analysis of Financial Decision-Making with a Behavioral Economics Approach: Perspectives on Capital Market Investors Rizani, Ahmad; Zakariyya Rasyad, Rizky; Budiarti, Lina; Sri Sulistyawati, Upik
International Journal of Management Science and Information Technology Vol. 3 No. 2 (2023): July - December 2023
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v3i2.1471

Abstract

This study aims to analyze the financial decision-making of investors in capital markets using the approach of behavioral economics. Behavioral economics studies how psychological and emotional factors influence financial decision-making. This study involves analyzing various aspects of investor behavior including loss aversion, information framing, overconfidence, herd behavior, and demographic factors. The results show that investors tend to fear losses more than profits, which affects prudent decision-making. The way information is presented also influences investment decisions, where the formation of a positive or negative frame can affect perceptions of risk and opportunities for profit. Overconfidence also plays a role in investment decision-making, with overconfident investors tend to underestimate risk. Herd behavior is also seen in this study, where investors tend to follow market trends without in-depth analysis, which can increase market volatility. Demographic factors such as age, gender, education, and investment experience also play a role in investment strategy and risk preference. This research provides important insights to investors and market participants about the psychological factors that influence financial decision-making. With a better understanding of investor behavior, it is hoped that investors will be able to make more informed and informed decisions, as well as reduce the impact of psychological biases in the future. financial decision-making in capital markets.
Pengembangan SDM Berbasis Smart User dalam Memanfaatkan Media Sosial dan Penggunaan E-wallet di Era Digital Arninda, Arninda; Budiarti, Lina; Archie, Ananda; Darusman, Darusman; Agung Madepo, Mahardika; Firmansyah, Ferdy
Jurnal Pengabdian Masyarakat Nusantara (JPMN) Vol. 4 No. 1 (2024): Februari-Juli 2024
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v4i1.2876

Abstract

This community engagement aims to develop human resources (HR) based on smart user principles in utilizing social media and E-wallets in the digital era, specifically for parent guardians in Desa Durian. The digital era demands individuals to become smarter and more adaptive in using technology, including social media and E-wallets. Social media is an effective tool for communication and information, while E-wallets facilitate financial transactions efficiently and reduce dependency on cash. Increasing digital literacy is expected to enhance the abilities and understanding of parents and guardians in leveraging technology optimally and securely. The methods of this community engagement include training sessions and direct mentoring designed to provide an in-depth knowledge of social media and E-wallet usage, covering technical, practical, ethical, and security aspects of digital technology. The outcomes of this engagement demonstrate that with appropriate training, parent guardians in Desa Durian can effectively use social media for communication and information-sharing, and utilize E-wallets for financial transactions more efficiently, thereby enhancing their daily life efficiency and effectiveness. In conclusion, developing HR based on smart user principles is crucial in facing the challenges of the digital era. Improved digital literacy enables parent guardians to better adapt to changes, harness technological opportunities, and positively impact the local community. From the evaluation results of the community engagement, it was found that 82% of participants were able to understand the training materials delivered by several speakers.
Digitalisasi Manajemen Keuangan dan Investasi untuk Pemberdayaan Ekonomi Rumah Tangga PKK Desa Durian Budiarti, Lina; Arninda, Arninda; Miftahul Sirat, Okta; Andriansyah, Andriansyah
Jurnal Pengabdian Masyarakat Nusantara (JPMN) Vol. 4 No. 2 (2024): Agustus 2024 - Januari 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v4i2.3327

Abstract

The economic empowerment program for the PKK Group in Durian Village aims to enhance members' capacity in financial management and investment through digitalization. This program equips PKK members with skills to effectively manage household finances, understand the importance of income diversification, and manage financial risks. Members are trained to use digital technology to record finances, create budgets, and independently analyze their financial situations. Through training and mentoring, members learn to use digital financial applications to help track expenses and income. Additionally, the program develops entrepreneurial and time-management skills, enabling PKK members to run small businesses independently and increase productivity. Results show a significant improvement in understanding; the average pretest score was 50, which increased to 83.25 on the posttest. Other success indicators include increased household income, the opening of brokerage accounts as an initial investment step, improved access to financial services, and enhanced economic welfare and household independence. This program is expected to be an initial step toward greater economic independence for families and inclusive local economic development in Durian Village. With digital technology adoption in financial management, Durian Village is anticipated to serve as a model of technology-based economic empowerment in rural areas.
The Influence of Net Profit Margin, Operating Cash Flow, Trade Volume, and Intellectual Capital on Firm Value in Infrastructure Sector Companies Listed on the Indonesian Stock Exchange Putri, Dinda Amalia; Budiarti, Lina
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6898

Abstract

This study aims to determine the effect of Net Profit Margin (NPM), Operating Cash Flow (OCF), Trading Volume, and Intellectual Capital (IC) on Firm Value in infrastructure sector companies listed on the Indonesia Stock Exchange (IDX) from 2021 to 2023. The approach used in this study is quantitative with secondary data obtained from annual financial reports. The population consists of 69 infrastructure companies listed on the IDX, with 33 companies selected through purposive sampling. The analysis was carried out using IBM SPSS 26. The results showed that NPM, OCF, Trading Volume, and IC have a significant positive effect on Firm Value, with a coefficient of determination (R²) of 43.7%, the remaining 56.3% is influenced by other variables not examined in this study. Based on the F test results, it shows that the NPM, OCF, Trading Volume, and IC variables simultaneously affect the Firm Value. Based on the t test results, it shows that the NPM, OCF, Trading Volume, and IC variables partially affect the Firm Value. This finding highlights the importance of financial factors and intangible factors, such as Intellectual Capital, in determining the market value of companies in the infrastructure sector. For investors, these variables are very important in assessing potential investment opportunities. Future research can extend the sample period to include more years and explore additional financial indicators to gain a more comprehensive understanding of the factors that influence firm value. This will provide stronger insights into long-term investment strategies in the infrastructure sector.
BIMBINGAN PENERAPAN PRODUCT VISUAL GUNA MENDUKUNG PEMASARAN ONLINE PADA USAHA BAWANG GORENG UMKM MAHASISWA MLG Wijayanti, Rena Feri; Budiarti, Lina; Evelina, Tri Yulistyawati; Sukma, Erlangga Andi; Dhakirah, Sanita
Jurnal Pengabdian kepada Masyarakat Vol. 12 No. 1 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT 2025
Publisher : P3M Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/abdimas.v12i1.6046

Abstract

The various products offered by online-based businesses certainly bring challenges to catch consumers' attention. Understanding the importance of a product's appearance (product visual) in high competition opens the eyes of businessmen who want to get involved in online businesses that require thorough preparation, one of which is the aspect of the product's visual appearance displayed on the online platform used. One of the main focuses of this community service is aligned with the needs of partners is to develop the market by trying to expand through the marketplace, so the service team maximizes resources and efforts to be able to help maximize the application of product visuals to strengthen the products offered in the online platform so they can attract the attention of online shopping lovers to look for further product information from the existence of aesthetic product images. The method used in this community service activity is assistance starting from determining the appropriate concept, selecting product variants that are superior products, and consulting with photography experts to get product photos that contain photography/aesthetics aspects. The result of this community service is some photos of the product that are ready to be uploaded on a social media or marketplace platform.
The Factors Influencing Revisit Intention: A Study of Tourism in Malang, Indonesia Unarto, Tirto; Narasuci, Win; Budiarti, Lina; Wijayanti, Rena Feri; Evelina, Tri Yulistyawati
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 8 (2025): SENTRI : Jurnal Riset Ilmiah, Agustus 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i8.4462

Abstract

This  study  aims to analyze the influencing of revisit intention in Malang. This research was conducted in April-July 2025. This study uses a quantitative approach with the sampling technique in this study using purposive sampling, data collected by questionnaire using Google Form with a sample of 221 respondents who were analyzed using with SPSS 27 for a descriptive analysis and using structural equation modelling with AMOS 23. The results of this study indicate that five hypotheses were accepted, while one hypothesis was rejected. Destination image has a significant effect on tourist satisfaction, electronic word of mouth also has a significant effect on destination image and it has a significant effect on destination trust. Furthermore, tourism satisfaction has a significant effect on destination trust, and destination trust has a significant effect on revisit intention. Meanwhile, tourism satisfaction does not have a significant effect on revisit intention.
Pendekatan Integratif Literasi Digital Siswa Madrasah Aliyah Negeri 1 Pontianak melalui Edukasi E-Commerce, E-Wallet, dan Paylater di Era Revolusi Industri 4.0 Archie, Ananda; Agung Madepo, Mahardika; Arninda, Arninda; Budiarti, Lina
Jurnal Pengabdian Masyarakat Nusantara (JPMN) Vol. 5 No. 2 (2025): Agustus 2025 - Januari 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jpmn.v5i2.5084

Abstract

This community service program aims to enhance digital literacy among students of Madrasah Aliyah Negeri 1 Pontianak through education on e-commerce, e-wallets, and paylater services. In the era of the Industrial Revolution 4.0, the high internet usage among teenagers is not matched by sufficient understanding of digital transactions and financial risks. The program involved 77 students and was delivered using interactive methods and digital learning media. The materials covered the concepts, benefits, and risks of using digital platforms, especially paylater services. The results show a significant improvement in students’ understanding of online transactions, digital security, and responsible financial decision-making. This activity not only had an educational impact but also helped shape students into smart digital consumers. The program is recommended for integration into the formal school curriculum to better prepare the younger generation for the challenges of the digital economy in a sustainable way.
Menginvestigasi Penyebab Kecanduan Media Sosial pada Mahasiswa Politeknik Negeri Malang Narasuci, Win; Unarto, Tirto; Budiarti, Lina; Wijayanti, Rena Fery
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 9 (2025): SENTRI : Jurnal Riset Ilmiah, September 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i9.4550

Abstract

This study aims to analyze the factors that may influence social media addiction among students at the State Polytechnic of Malang. The research was conducted over a three-month period, from June to August 2025, using a quantitative approach. The sample consisted of 161 respondents, all of whom were students majoring in Marketing Management at the State Polytechnic of Malang. The data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS 3 software. This method was chosen due to its ability to handle complex relationships between latent variables and to provide more accurate and reliable results. The findings of the study reveal that narcissism and emotional problems have a significant positive effect on self-esteem. In addition, self-esteem is found to significantly influence social media addiction, indicating that individuals with lower self-esteem are more likely to develop addictive behaviors toward social media platforms. Moreover, the study also found that narcissism and emotional problems indirectly affect social media addiction through self-esteem as a mediating variable. These results suggest that self-esteem plays a crucial mediating role in the relationship between psychological traits and social media addiction. Therefore, efforts to address social media addiction among students should also consider psychological factors such as self-esteem, narcissism, and emotional well-being.
THE EFFECT OF FACILITIES AND SERVICE QUALITY ON VISITOR SATISFACTION AT MOG MALL, MALANG CITY Wulandari, Chofifah Laila; Dhakirah, Sanita; Budiarti, Lina
Jurnal Manajemen Vol 6, No 1 (2026): February
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jm.v6i1.76466

Abstract

Abstract: The rapid development of the service sector has led to the emergence of various modern shopping centers, including the MOG Mall in Malang City, which is one of the malls with the highest number of visitors and reviews. However, some facilities are still considered inadequate by visitors. MOG Mall in Malang City is the object of this study, which aims to analyze the influence of facilities and service quality on visitor satisfaction. 100 respondents were randomly selected using a purposive sampling technique, and quantitative research methods were applied along with explanatory research methods. Data analysis was conducted using multiple linear regression, including partial and simultaneous hypothesis testing. The study findings show that visitor satisfaction is positively and significantly influenced by high-quality facilities and services. Therefore, improving comfortable facilities and responsive service needs to be a priority to increase visitor satisfaction.Keywords: Facilities, Service Quality, Visitor Satisfaction
The Influence of Profitability, Liquidity, Interest Rates, and Inflation on Bond Ratings Listed on the Indonesia Stock Exchange Sari, Talitha Nabila; Budiarti, Lina
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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

Abstract

This study aims to analyze the influence of profitability, liquidity, interest rates, and inflation on bond ratings of industrial sector companies listed on the Indonesia Stock Exchange for the 2021–2023 period. The method used is a quantitative approach with logistic regression analysis, where the data were obtained through documentation of financial reports and bond rating data from the official websites of the IDX and PEFINDO. The test results show that simultaneously, the independent variables have a significant effect on bond ratings. Partially, the variables of interest rates and inflation are proven to have a significant effect on bond ratings, while profitability and liquidity do not have a significant effect on bond ratings. These findings confirm that macroeconomic conditions such as interest rates and inflation play a more dominant role in influencing bond ratings compared to the internal performance of companies. This research is expected to serve as a reference for investors and companies in making investment decisions in the bond market.
Co-Authors Agung Madepo, Mahardika Ahmad Rizani, Ahmad Andriansyah Andriansyah Annisa, Septina Nur Archie, Ananda Arninda, Arninda Darusman Darusman Dulbari, Dulbari Erlangga Andi Sukma Evelina, Tri Yulistyawati Joni Dwi Pribadi Khalida, Faaiza Soraya Madepo, Mahardika Agung Maharani, Juwita Suri Mahendra, I Gede Rio Miftahul Sirat, Okta Miftahurohman, Muhammad Muhammad Agus Muljanto Narasuci, Win Ni Siluh Putu Nuryanti Priyadi Priyadi Putra, Bobby Utomo Putri, Dinda Amalia Rasyad, Rizky Zakariyya Rena Feri Wijayanti Sanita Dhakirah Sari, Talitha Nabila Sembiring, Rinawati Simbolon, Novita Dong Mariris Sri Sulistyawati, Upik Syahputri, Wineke Ardhila Unarto, Tirto Utami, Alia Senja Utari, Amilia Ayu Jen Wijayanti, Rena Fery Wulandari, Chofifah Laila