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All Journal JMM17: Jurnal Ilmu Ekonomi dan Manajemen MODUS-Jurnal Ekonomi dan Bisnis MBIA Jurnal Muara Ilmu Ekonomi dan Bisnis Kumawula: Jurnal Pengabdian Kepada Masyarakat Jurnal Dharma Bhakti Ekuitas Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Ignasia Tiffani
Universitas Katolik Parahyangan
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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CHALLENGES FACED BY MICRO AND SMALL BUSINESSES TO SURVIVE Ria Satyarini; Meidila Anggita; Ignasia Tiffani; Triyana Iskandarsyah
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 3 (2025): Edisi September - Desember 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i3.5890

Abstract

Micro and small business owners have to fight for their businesses to survive. In order to survive, micro and small business actors must first know the problems they face. The method used to find out the problems faced by conducting observations and also interviews with micro business actors. This research reveals the problems faced by micro and small business actors based on three company operating functions, namely Operations Management, Financial Management and Marketing Management. The results show that in the Operations section, micro and small business actors must improve production planning, 5S and layout arrangement. In the financial section, what must be addressed is financial recording, and in the marketing section, what must be addressed is product development and market expansion by penetrating the marketplace. Improvement of the problems faced is carried out by assisting MSEs by improving the company's operating functions
Pelatihan Wirausaha Muda Berbasis Karakter: Upaya Mengatasi Pengangguran Melalui Pendekatan Ikigai Triyana Iskandarsyah; Ria Satyarini; Chris Petra Agung; Ignasia Tiffani; Meidila Anggita; Angela Teressia
Jurnal Dharma Bhakti Ekuitas Vol. 10 No. 1 (2025): Jurnal Dharma Bhakti Ekuitas
Publisher : Universitas Ekuitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v10i1.1019

Abstract

Youth unemployment remains a pressing issue in Indonesia, largely due to limited formal job opportunities and the insufficient readiness of graduates to adapt to an increasingly dynamic labor market. This condition calls for an alternative solution through the promotion of entrepreneurship, not merely as a means of economic gain but as a pathway toward value, meaning, and sustainable living. This Community Service Program aimed to cultivate an entrepreneurial mindset rooted in self-reflection and life purpose awareness by strengthening participants’ critical thinking, self-confidence, responsibility, and understanding of the ikigai concept, which covers achieving balance among what one loves, is good at, what society needs, and what can provide income. The program was implemented through a participatory approach involving self-reflection, group discussions, simple business simulations, and interactive lectures. The results revealed strong enthusiasm and engagement from participants, along with improvements in logical reasoning, risk-taking ability, and task discipline. Moreover, the integration of ikigai helped participants discover business directions aligned with their passions and personal values, resulting in more meaningful and sustainable ventures. Overall, this program successfully fostered awareness that entrepreneurship is not merely a solution to unemployment but a way to create a productive, purposeful, and socially valuable life.  Keywords: character development, entrepreneurial mindset, ikigai, unemployment, youth entrepreneurship. Abstrak Tingkat pengangguran di kalangan generasi muda masih menjadi tantangan serius di Indonesia, khususnya akibat keterbatasan lapangan kerja formal dan ketidaksiapan lulusan menghadapi tuntutan dunia kerja yang dinamis. Kondisi ini menuntut adanya alternatif solusi melalui penguatan semangat kewirausahaan yang tidak hanya berorientasi pada keuntungan ekonomi, tetapi juga pada nilai, makna, dan keberlanjutan hidup. Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan menumbuhkan pola pikir kewirausahaan (entrepreneurial mindset) yang berakar pada refleksi diri dan kesadaran makna hidup melalui penguatan kemampuan berpikir kritis, rasa percaya diri, tanggung jawab, serta pemahaman konsep ikigai, yakni keseimbangan antara apa yang dicintai, dikuasai, dibutuhkan masyarakat, dan dapat menjadi sumber penghidupan. Pelaksanaan kegiatan menggunakan pendekatan partisipatif melalui refleksi diri, diskusi kelompok, simulasi bisnis sederhana, dan penyampaian materi interaktif. Hasil kegiatan menunjukkan bahwa peserta mengikuti seluruh rangkaian dengan antusias, menunjukkan peningkatan dalam kemampuan berpikir logis, keberanian mengambil risiko, serta kedisiplinan dalam menyelesaikan tugas. Selain itu, penerapan ikigai membantu peserta menemukan arah usaha yang sesuai dengan passion dan nilai pribadi, sehingga wirausaha yang dijalankan menjadi lebih bermakna dan berkelanjutan. Secara keseluruhan, kegiatan ini berhasil menumbuhkan kesadaran baru bahwa kewirausahaan bukan semata jalan keluar dari pengangguran, tetapi juga sarana mewujudkan kehidupan yang produktif, bernilai, dan berkontribusi bagi sesama. Kata kunci: pengembangan karakter, pola pikir kewirausahaan, ikigai, penganggugran, kewirausahaan muda.
THE IMPACT OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDE ON HOUSEWIVES SAVING BEHAVIOR IN BANDUNG CITY Laurencia Stefiany; Ignasia Tiffani; Vera Intanie Dewi
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol. 9 No. 2 (2025): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v9i2.35078

Abstract

Pertumbuhan ekonomi di Indonesia masih terhambat oleh rendahnya budaya menabung, yang terlihat dari adanya kesenjangan antara jumlah rekening tabungan dan pertumbuhan nominalnya, menurut laporan DIC. Kesenjangan ini berkaitan dengan rendahnya literasi keuangan, yang mencakup pengetahuan, sikap, dan perilaku. Ibu rumah tangga, yang memiliki peran penting dalam mengelola keuangan rumah tangga sekaligus berpengaruh dalam mendidik generasi berikutnya, menjadi fokus utama pemerintah dalam program literasi keuangan. Penelitian ini mengkaji pengaruh pengetahuan keuangan dan sikap keuangan terhadap perilaku menabung ibu rumah tangga di Bandung. Dengan menggunakan desain penelitian eksplanatori, data dikumpulkan dari perempuan menikah berusia 19 tahun ke atas yang telah menetap di Bandung minimal enam bulan. Kuesioner disebarkan baik secara daring maupun luring, kemudian dianalisis menggunakan metode SEM-PLS melalui SmartPLS 4.0. Hasil penelitian menunjukkan bahwa pengetahuan dan sikap keuangan berpengaruh signifikan terhadap perilaku menabung, dengan pengaruh pengetahuan keuangan yang lebih kuat. Nilai adjusted R-square sebesar 0,553 mengindikasikan bahwa kedua variabel tersebut mampu menjelaskan 55,3% perilaku menabung, sementara 44,7% sisanya dipengaruhi oleh faktor lain. Penelitian ini memberikan kontribusi pada pemahaman mengenai peran penting literasi keuangan dalam membangun budaya menabung serta menawarkan wawasan praktis bagi pembuat kebijakan dan pendidik keuangan untuk merancang intervensi yang lebih tepat sasaran bagi ibu rumah tangga. Dengan demikian, kemampuan pengelolaan keuangan mereka dapat ditingkatkan dan pada akhirnya mendukung pertumbuhan ekonomi.   Economic growth in Indonesia remains hindered by a low saving culture, as evident from the gap between the number of savings accounts and their nominal growth, according to DIC reports. This disparity is linked to inadequate financial literacy, encompassing knowledge, attitudes, and behaviors. Housewives, being central to household financial management and influential in educating future generations, are the government’s primary focus for financial literacy initiatives. This study investigates the influence of financial knowledge and financial attitudes on the saving behavior of housewives in Bandung. Using an explanatory research design, data were collected from married women aged 19 and older who had resided in Bandung for at least six months. Questionnaires were distributed both online and offline, with analysis conducted using the SEM-PLS method via SmartPLS 4.0. The findings reveal that financial knowledge and attitudes significantly impact saving behavior, with financial knowledge exerting a stronger influence. An adjusted R-square of 0.553 indicates that these variables explain 55.3% of saving behavior, while 44.7% remains attributed to other factors. This research contributes to understanding the critical role of financial literacy in fostering a saving culture and provides actionable insights for policymakers and financial educators to develop targeted interventions for housewives, enhancing their financial management capabilities and ultimately supporting economic growth.
Co-Authors Agung, Chris Petra Anggita, Meidila Budiana Gomulia Debby, Teresia Deti, Regina Laurencia Stefiany Maria Merry Marianti Natalia Christi Nina Septina Powell, Karen Arecia Pramudito, Farhan Ria Satyarini Sioedjianto, Angela Teressia Triyana Iskandarsyah Vera Intanie Dewi Widyartono, Agustinus