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All Journal Jurnal Al-Iqtishad Tansiq: Jurnal Manajemen dan Bisnis Islam Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Jurmas Azam Insan Cendikia Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi Community Service Journal Of Economic Education BATIK: Jurnal Pengembangan dan Pengabdian Masyarakat Multikultural Research in Accounting Journal Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM) Secretary Administration Journal Al-Manar Journal of Accountancy and Business Studies
Damayanti, Umi Rachmah
Universitas Islam Negeri Sultan Syarif Kasim Pekanbaru
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Social Sciences Other

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The Role of Financial Literacy, Behavior, and Technology in Enhancing Business Sustainability Among Women-Owned MSMEsin Pekanbaru City Siti A-Isah; Umi Rachmah Damayanti
Al-Manar Journal of Accountancy and Business Studies Vol. 2 No. 2 (2025): Al-manar Journal of Accountancy and Business Studies
Publisher : Yayasan Almanar Pujud

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Abstract

Business sustainability refers to a firm's ability to maintain operations and survive over the long term. This study investigates the influence of financial literacy, financial behavior, and financial technology on business sustainability among female MSME entrepreneurs in Pekanbaru City. Using a sample of 77 respondents, data were analyzed through Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.0 software. The results reveal that financial literacy and financial technology have a positive and significant effect on business sustainability, whereas financial behavior shows no significant effect. Overall, the three variables explain 42.2% of the variance in business sustainability, while the remaining 57.8% is attributed to other factors not examined in this study. These findings highlight the importance of enhancing financial literacy and technology adoption to strengthen the sustainability of female-led MSMEs.
Tata Kelola Keuangan Berbasis Aplikasi “SI APIK” Bagi Pengelola UMKM Sub Sektor Manakan dan Minuman di Kota Pekanbaru Nurani, Ratna; Nirmala, Ade Ria; Damayanti, Umi Rachmah; Ustha, Endrianto
Community Engagement and Emergence Journal (CEEJ) Vol. 4 No. 3 (2023): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v4i3.3607

Abstract

Tujuan dari kegiatan ini adalah untuk membantu para pengelola UMKM, khususnya di sektor makanan dan minuman di Kota Pekanbaru dalam membuat laporan keuangan dengan memanfaatkan aplikasi digital SI APIK, sehingga pembuatan laporan keuangan bisa di buat dengan mudah.  Metode pelaksanaan kegiatan dilakukan secara komprehensif yang terkait standar UMKM yang berlaku dan memberikan pelatihan dalam pembuatan laporan keuangan dengan memanfaatkan aplikasi SI APIK. Metode yang digunakan dalam PKM ini adalah penyuluhan dan tutorial aplikasi SI APIK, diskusi serta assessment dengan pada pengelola UMKM. Diharapkan PKM ini bermanfaat untuk berbagai pihak diantaranya pengelola UMKM itu sendiri, Bank Indonesia, Pemerintah dan bagi akademisi.
PENDAMPINGAN PENGGUNAAN APLIKASI “SIAPIK” (SISEM INFORMASI APLIKASI PENCATATAN INFORMASI KEUANGAN) DI FIRMA BIMBINGAN TERPADU 8 PEKANBARU Ade Ria Nirmala; Umi Rachmah Damayanti; Ratna Nurani; Endrianto Ustha
Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat Vol. 2 No. 2 (2024): Agustus 2024 : Hawa : Jurnal Pemberdayaan Dan Pengabdian Masyarakat (HAWAJPPM)
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/hawajppm.v2i2.59

Abstract

Tujuan dari kegiatan ini adalah untuk melakukan pendampingan penyusunan laporan keuangan dengan memanfaatkan aplikasi digital SIAPIK, bagi Firma Bimbingan Terpadu 8, sehingga pembuatan laporan keuangan bisa di buat dengan mudah. Metode pelaksanaan kegiatan dilakukan secara komprehensif terkait standar UMKM yang berlaku dan memberikan pelatihan dalam pembuatan laporan keuangan dengan memanfaatkan aplikasi SIAPIK. Metode yang digunakan dalam PKM ini adalah penyuluhan dan tutorial aplikasi SIAPIK, diskusi serta assessment dengan pada pelaku UKM. Diharapkan PKM ini bermanfaat untuk berbagai pihak diantaranya pelaku UKM itu sendiri, Bank Indonesia, Pemerintah dan bagi akademisi
Intersectoral Event Study Analysis on the Indonesia Stock Exchange Regarding the 2025 Replacement of the Minister of Finance of the Republic of Indonesia Ade Ria Nirmala; Umi Rachmah Damayanti; Ratna Nuraini; Ibrahim Musa
Research in Accounting Journal (RAJ) Vol. 7 No. 1 (2026): RAJ (Research in Accounting Journal)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/xe50qh68

Abstract

This study examines the reaction of the Indonesian capital market to the 2025 replacement of the Minister of Finance of the Republic of Indonesia using an event study approach. Market reaction is assessed through abnormal returns of sectoral indices listed on the Indonesia Stock Exchange (IDX) within an event window of 20 trading days before and 20 trading days after the announcement date. The Jakarta Composite Index (JCI) is employed as a proxy for market return, while sectoral index closing prices serve as the primary data source. The analysis includes normality testing, one-sample t-tests, paired-sample t-tests, and comparative analysis of Average Abnormal Returns (AAR) across sectors. The findings reveal the presence of significant abnormal returns on several trading days surrounding the event, indicating that the ministerial replacement conveyed value-relevant information that elicited investor responses. However, the paired-sample t-test results show no statistically significant difference in average abnormal returns between the pre-event and post-event periods, suggesting that the market reaction was temporary and rapidly absorbed. Sectoral analysis further demonstrates heterogeneous responses, with the Technology, Industrials, and Healthcare sectors exhibiting the highest sensitivity, while the Consumer Non-Cyclicals and Consumer Cyclicals sectors showed relatively defensive characteristics. These results provide evidence that political-economic events can generate short-term market reactions, although their impact varies across sectors. The findings support the Semi-Strong Form of the Efficient Market Hypothesis and Signaling Theory, highlighting that investors interpret and respond to political information differently depending on sector-specific characteristics.
Examining the Effects of Financial Literacy, Family Financial Socialization, Parental Education, and Parental Income on Financial Behavior among University Students Living Away from Home Umi Rachmah Damayanti; Ade Ria Nirmala; Ratna Nuraini; M. Sabri; Siti Intan Nurdiana Wong Abdullah
Research in Accounting Journal (RAJ) Vol. 7 No. 1 (2026): RAJ (Research in Accounting Journal)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/xnzkjw73

Abstract

University students living away from home are required to manage their finances independently while facing various economic and social challenges. This study aims to examine the influence of financial literacy, family financial socialization, parental education, and parental income on the financial behavior of university students living away from home. A quantitative approach was employed using primary data collected through questionnaires. The sample consisted of 375 university students living away from home from the Faculty of Economics and Social Sciences, selected using the accidental sampling technique. Data were analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that financial literacy, family financial socialization, parental education, and parental income have a positive and significant effect on financial behavior. The coefficient of determination (R²) of 67.5% shows that variations in financial behavior can be explained by these four variables, while the remaining 32.5% is influenced by other factors outside the research model. The findings suggest that the financial behavior of university students living away from home is influenced not only by financial knowledge but also by family financial socialization and parents’ socioeconomic background.
Pemberdayaan Umkm Halal Melalui Pendekatan Ekosistem Kolaboratif Di Kecamatan Tuah Madani Kota Pekanbaru Umi Rachmah Damayanti; Ade Ria Nirmala; Ratna Nurani
COMMUNITY SERVICE JOURNAL OF ECONOMICS EDUCATION Vol. 5 No. 1 (2026): Community Service Journal Of Economic Education
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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Abstract

The growth of the global halal industry presents significant opportunities for Indonesia as the country with the world’s largest Muslim population. However, halal Micro, Small, and Medium Enterprises (MSMEs) still face several challenges, including low halal certification literacy, limited access to Islamic financing, weak business digitalization, and minimal implementation of sustainability principles. This community service program aimed to strengthen halal MSMEs through a collaborative ecosystem approach involving universities, local government, and Islamic financial institutions. The program was conducted in Tuah Madani District, Pekanbaru City, involving 38 MSMEs in the food and beverage sector. The implementation methods included socialization, training, mentoring, monitoring, and evaluation. The results showed an increase in halal certification understanding from 52% to 84%, 55% of MSMEs initiated halal certification processes, 45% accessed Islamic financing, and 66% adopted digital financial recording systems. In addition, the program encouraged the use of environmentally friendly packaging and established a local halal MSME forum. This activity produced a sustainable collaborative empowerment model that has the potential to be replicated in other regions.   Keywords:  Halal Industry, Msmes, Islamic Financing, Digitalization, Green Economy
ESCALATING WORK ETHIC AND OPTIMALIZATION FOR EMPLOYEES AND TEACHERS OF BIMBINGAN TERPADU 8 IN PEKANBARU Ratna Nurani Ratna; Ade Ria Nirmala; Umi Rachmah Damayanti
Azam Insan Cendikia Vol. 1 No. 1 (2022): Jurmas Azam Insan Cendikia
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/pkm.v1i1.17

Abstract

Work ethics is a set of positive behaviour and the fondation includes motivation stimulus; main characteristics; primary of passion; fundamental idea; ethic code; moral code; attitude; aspiration; belief; principles; and standard (Sinamo, Darodjat ; 2015:77). Work ethics is a mirror of disciplinary, passionate, and productivity of employees. Employees with low work ethic are possible to have as low as their productivity, vice versa. Work optimalization is a process of work performance according to company standard and supporting the company goal. For implementation, there are several studies to learn some key factors in order to be exxellent in employees work optimalization. All participants are employees in Bimbingan terp@du 8 Pekanbaru and several teacher from different school in Pekanbaru. Participants were provided with disciplinary principal of work ethic and work optimalization materials, how to be a perfect role model employee. The implementation of this community services showed positive respond proven by the enthusiasm of all participants during the event and the QnA session. During this activity, the servants also get feedback on what should be done if they are in a position as a leader. Optimization The implementation of work in a company or organization must be supported by both parties, leaders and employees/members.
AKSELERASI PENINGKATAN KUALITAS SDM DAN JIWA KEWIRAUSAHAAN UNTUK MENINGKATKAN PELUANG PARA ENTREPRENEUR UMKM PADA PELAKU UMKM DI PEKANBARU Ade Ria Nirmala; Umi Rachmah Damayanti; Ratna Nurani; Endrianto Ustha
Azam Insan Cendikia Vol. 2 No. 3 (2023): Jurmas Azam Insan Cendikia
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/pkm.v2i3.72

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan pengetahuan dan pemahaman tentang Usaha Menengah Kecil dan Mikro (UMKM) kepada para pelaku UMKM muda di Pekanbaru yang baru memulai usahanya dengan tujuan setelah memahami konsep dari UMKM ini semakin meningkatkan kemampuan dan pemahaman yang mereka miliki untuk terus maju dan membentuk jaringan usaha yang pada akhirnya para pelaku UMKM tidak hanya melakukan kegiatan usahanya untuk terus bertahan tapi juga bisa tumbuh dan semakin berkembang. Metode kegiatan pengabdian dilakukan dengan metode caramah, tanya jawab dan diskusi kasus yang dialami para pelaku usaha. Kegiatan dilaksanakan untuk pelaku atau pegiat UMKM yang baru tamat kuliah dan memutuskan untuk menjadi pelaku usaha dengan kemampuan kewirausahaan yang masih terbatas dan minimnya pengalaman dalam membuka bisnis di Pekanbaru. Kegiatan pengabdian masyarakat dengan tema akselerasi peningkatan kualitas SDM dan jiwa kewirausahaan merupakan salah satu kegiatan yang wajib dilakukan para akademisi untuk bersinergi dengan masyarakat dalam rangka berbagi ilmu pengetahuan. Peserta pengabdian sangat antusias mengikuti kegiatan ini sehingga hasil pengabdian masyarakat dapat bermanfaat terutama bagi pelaku dan pegiat UMKM muda, yang tadinya belum memahami dan masih cukup gamang untuk terus berbisnis menjadi lebih yakin dan percaya diri akan besarnya peluang sukses yang akan mereka raih di masa depan.
PENDIDIKAN SOFT SKILL DAN HARD SKILL UNTUK MENINGKATKAN KOMPETENSI DIRI BAGI SISWA MENENGAH ATAS DI KOTA PEKANBARU Ade Ria Nirmala; Umi Rachmah Damayanti; Ratna Nurani
Azam Insan Cendikia Vol. 3 No. 2 (2024): Jurmas Azam Insan Cendikia
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/pkm.v3i2.129

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan pengetahuan tentang pendidikan soft skill dan hard skill kepada siswa menengah atas di kota Pekanbaru, khususnya pada siswa SMA Negeri Plus Provinsi Riau. Metode kegiatan pengabdian dilakukan dengan metode ceramah, tanya jawab dan diskusi. Kegiatan dilaksanakan untuk siswa SMA Negeri Plus Propinsi Riau khususnya siswa kelas XII (dua belas) yang akan memasuki jenjang kuliah ataupun langsung masuk ke dunia kerja. Kegiatan pengabdian dengan tema pendidikan soft skill dan hard skill untuk meningkatkan kompetensi diri bagi siswa sekolah menengah atas di kota Pekanbaru khususnya siswa SMA Neger Plus Provinsi Riau berjalan dengan lancar. Peserta pengabdian sangat antusias mengikuti kegiatan ini sehingga hasil pengabdian masyarakat sangat bermanfaat terutama bagi siswa SMA Plus Provinsi Riau, yang tadinya belum memahami apa yang dimaksud dengan pendidikan soft skill dan hard skill sekarang sudah memahami dan dapat membedakan, baik dari sisi pengertian ataupun pelaksanaannya. Kegiatan ini bermanfaat untuk meningkatkan kompetensi diri mereka dalam masuk ke jenjang kuliah ataupun dunia kerja nantinya.
SOSIALISASI PENGELOLAAN KEUANGAN KELUARGA SEBAGAI ANTISIPASI RESIKO RESIKO DAN BAHAYA PINJAMAN ONLINE PADA IBU-IBU RUMAH TANGGA DI KECAMATAN BINAWIDYA KOTA PEKANBARU Ade Ria Nirmala; Umi Rachmah Damayanti; Ratna Nurani; Hesty Hesty Wulandari; Endrianto Ustha
Azam Insan Cendikia Vol. 4 No. 1 (2025): Jurmas Azam Insan Cendikia
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/pkm.v4i1.170

Abstract

Kegiatan ini bertujuan untuk memberikan edukasi literasi keuangan atas risiko dan bahaya pinjaman online kepada kelompok ibu-ibu rumah tangga. Banyaknya tawaran pinjaman online kepada kelompok ini mengakibatkan pengetahuan atas karakteristik dan persyaratan pinjaman online tersebut perlu dipahami dengan baik. Metode pelaksanaan dari kegiatan PKM ini dilakukan melalui tahap pendahuluan, tahap pelaksanaan dan tahap monitoring. Kegiatan PKM ini menyimpulkan bahwa edukasi literasi keuangan khususnya terkait dengan pinjaman online sangat bermanfaat bagi kelompok ibu-ibu rumah tangga, karena kelompok ini masih banyak yang belum memahami akuntansi dasar dan keuangan dasar. Kelompok tersebut masih kurang mempertimbangkan adanya risiko yang melekat atas kemudahan dalam mendapatkan pinjaman online
Co-Authors Chelly Natalia Kuswara Endrianto Ustha Erika Desvianti Hesty Hesty Wulandari Ibrahim Musa M. Sabri Nasrah, Hidayati Nirmala, Ade Ria Nuraini, Ratna Nuran, Ratna Nurani, Ratna Nurwahidah, Ari Ratna Nuraini Ratna Nurani Ratna Nurani Ratna Nurani Ratna Nurani Ratna Saptina Norfadila Siti A-Isah Siti Intan Nurdiana Wong Abdullah Ustha, Endrianto Wina Diana Sari