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This Author published in this journals
All Journal Management Studies and Entrepreneurship Journal (MSEJ) Al-Khidmah Jurnal Pengabdian Masyarakat TGO Journal of Community Development
Ayu Nareswari
Institut Teknologi Dan Bisnis Widya Gama Lumajang
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Integrating Financial Literacy Aspects in Small And Medium Enterprise Capital Budgeting Kartika Ayu Kinanti; Ayu Nareswari
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.3584

Abstract

This research investigates the significant role of financial literacy in the context of capital budgeting in Micro, Small, and Medium Enterprises (MSMEs). The study focuses on the challenges faced by MSMEs in effectively managing their capital budgets, as well as the potential benefits of integrating financial literacy into their budgeting strategies. Through a comprehensive review of existing literature and case studies, this research emphasizes the importance of providing MSME owners and managers with the financial knowledge and skills necessary to make informed decisions regarding their capital investments. The study highlights various techniques and approaches to enhance financial literacy among MSMEs, emphasizing the importance of understanding financial concepts, risk assessment, and the use of appropriate budgeting tools. Furthermore, this research examines the impact of increased financial literacy on the overall financial health and sustainability of MSMEs. The research findings indicate that enhanced financial literacy can lead to more efficient capital budgeting practices, better risk management, and improved long-term growth prospects for MSMEs. This research contributes to the ongoing discourse on the role of financial literacy, capital budgeting, and the development of MSMEs, providing valuable insights for decision-makers, practitioners, and stakeholders striving to create an enabling environment for the growth of small and medium enterprises in the global economy.  
Digital Marketing and Branding Training for MSME Products in Lumajang Ayu Nareswari; Nur Latifa Isnaini Putri; Aji Prasetyo Suyono
TGO Journal of Community Development Vol. 2 No. 2 (2024): July - December
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/jcd.2024.016

Abstract

This activity aims to enable MSME actors in Lumajang to understand the importance of digital marketing as an effort to help promote their products through social media and product branding to create a distinctive feature of MSME products in Lumajang Regency. This training aims to improve MSME actors' understanding of digital marketing and product branding, as well as to help them utilize social media and e-commerce to expand market reach. The training method is in the form of presentations and interactive discussions that discuss the use of digital platforms. The results of the training showed an increase in MSME actors' understanding of the importance of digital marketing and product branding. Participants began to understand how to use social media to promote products effectively, reduce marketing costs, and increase competitiveness through a unique and memorable brand image. In conclusion, this training provides significant provisions for MSME to optimize the potential of technology in supporting business development.
Ibu Bijak, Keuangan Cermat: Edukasi Pengelolaan Keuangan Keluarga Berbasis Literasi Finansial Kartika Ayu Kinanti; Yulian Ade Chandra; Ayu Nareswari
Al-Khidmah Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): MEI-AGUSTUS
Publisher : Institute for Research and Community Service (LPPM) of the Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jak.v5i2.4379

Abstract

Effective household financial management is a key factor in maintaining family well-being. However, many housewives still face challenges in managing their finances due to limited knowledge of budgeting, saving habits, and basic investment concepts. This low level of financial literacy can increase the risk of household economic instability, especially amid continuously changing economic conditions. To address this issue, this community service program was implemented to provide practical and applicable financial literacy education tailored to the needs of housewives. The program was delivered through interactive training sessions, offering participants a better understanding of financial literacy fundamentals, realistic household budgeting techniques, basic saving and investment strategies, and ways to avoid harmful debt practices. Through this training, participants are expected to gain the skills and confidence needed to apply sound financial principles in their daily lives. The expected outcomes of this activity include improved financial literacy among participants, the ability to independently create structured household financial plans, and positive changes in financial behavior that promote responsibility and discipline. Furthermore, the program aims to raise awareness of the importance of financial planning as a foundation for a more stable and prosperous family future.
Co-Authors Aji Prasetyo Suyono KINANTI, Kartika Ayu Nawangsih Nawangsih Nur Latifa Isnaini Putri Rendra Wirawan Yulian Ade Chandra