Garuda - Garba Rujukan Digital

PEMBERDAYAAN SDM UMKM DALAM MENUNJANG WIRAUSAHA: PELATIHAN DESAIN KREATIF DAN PROMOSI DIGITAL Novita Yuliana; Kusuma, Triana Hasty; Dwi Puji Ratnawati
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 1 No. 3 (2024): September
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v1i3.1324

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kemampuan pelaku UMKM dalam menggunakan aplikasi desain grafis Canva dan strategi promosi digital guna meningkatkan penjualan produk fashion di UMKM Zhanka Kid’s. Sebelumnya, para peserta, yang terdiri dari pemilik dan karyawan UMKM, memiliki keterbatasan pengetahuan mengenai teknologi, terutama dalam menggunakan aplikasi Canva dan promosi digital. Melalui pelatihan dan pendampingan yang diberikan, peserta kini mampu memahami dan mengoptimalkan fitur Canva untuk membuat desain label fashion dan poster promosi yang lebih menarik dan informatif. Hasil kegiatan menunjukkan peningkatan kemampuan peserta dalam menggunakan Canva secara efektif, yang berkontribusi pada peningkatan penjualan produk UMKM. Namun, kegiatan ini juga menghadapi beberapa tantangan, seperti variasi tingkat pengetahuan awal peserta dan keterbatasan waktu pelatihan, yang memengaruhi kedalaman materi yang dapat disampaikan. Keunggulan kegiatan ini terletak pada keterlibatan aktif peserta dan dukungan sumber daya manusia yang memadai, sementara metode yang digunakan, yaitu konsultasi awal, pelatihan praktis, dan pendampingan langsung, dinilai berhasil dalam mencapai tujuan kegiatan. Untuk pengembangan selanjutnya, disarankan agar materi pelatihan lebih ditingkatkan dan disesuaikan dengan tingkat pengetahuan awal peserta, serta durasi pelatihan diperpanjang untuk pendalaman materi. Dengan demikian, kegiatan ini diharapkan mampu memberikan dampak yang lebih besar bagi keberlanjutan pengembangan UMKM.

FLUKTUASI KINERJA KEUANGAN PERBANKAN SYARIAH: ANALISIS PADA IMPLEMENTASI PROFIT LOSS SHARING DAN MANAJEMEN RISIKO Fajar, Maulana; Kusuma, Triana Hasty; Yuliana, Novita; Ratnawati, Dwi Puji
Jurnal Studi Manajemen Bisnis Vol 3, No 2 (2023): Jurnal Studi Manajemen Bisnis
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/jsmb.v3i2.12118

Profit Loss Sharing (PLS) plays a crucial role in determining the potential value of profits in Islamic banking. The PLS profit-sharing system indicates the success or failure in the financing investments undertaken by the banks. To generate profits from the financing investments, it is essential to have a reliable and sustainable risk management. In this study, the risk management variable will be comprehensively examined in relation to its impact on supporting the implementation of PLS systems (mudharabah and musyarakah) on financial performance. The analytical method employed is quantitative analysis with the support of the E-Views application program. The research sample includes 11 Islamic commercial banks in Indonesia, with an observation period from 2017 to 2022. The research analysis results demonstrate that mudharabah financing and musyarakah financing have a positive influence on financial performance. Risk management weakens the influence of mudharabah financing and musyarakah financing on financial performance. In terms of direct influence, risk management exerts the strongest impact compared to mudharabah financing and musyarakah financing. Mudharabah financing has the smallest impact on the value of financial performance.

Analisis Keputusan Manajerial Sistem Profit Loss Sharing Terhadap Tingkat NPF Bank Umum Syariah di Indonesia Fajar, Maulana; Yuliana, Novita; Ratnawati, Dwi Puji; Kusuma, Triana Hasty
Borobudur Management Review Vol 4 No 2 (2024): Vol 4 No: 2 (2024)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/bmar.v4i2.11851

This research was conducted with the aim of analyzing the relevance between the PLS (Profit and Loss Sharing) financing system, which includes mudharabah and musyarakah, and the value of non-performing financing (NPF). The analytical method applied is quantitative analysis using panel data and the Eviews 12 application program. The research data is secondary data sourced from the annual reports of Islamic banks in Indonesia, published from 2012 to 2023. The results of the analysis conclude that mudharabah financing has a significant negative impact on NPF, while musyarakah financing has a significant positive impact on NPF. The analysis also shows that the amount of mudharabah financing is much smaller compared to musyarakah financing, indicating that the potential risk of musyarakah financing is much higher than that of mudharabah financing.

OPTIMALISASI DESAIN PRODUK UMKM VANIE HONEY: PENDAMPINGAN PEMBUATAN LABEL DAN PACKAGING UNTUK MENINGKATKAN DAYA TARIK PASAR Kusuma, Triana Hasty; Yuliana, Novita; Ratnawati, Dwi Puji; Habiba, Curie; Prayogo, Adhie
Jurnal Pengembangan Masyarakat Lokal Vol. 8 No. 1 (2025): Jurnal Pengembangan Masyarakat Lokal
Publisher : LPPM Universitas Samawa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58406/jpml.v8i1.1946

Kegiatan pendampingan ini dilakukan untuk meningkatkan pemahaman mitra UMKM Vanie Honey yang bergerak dalam usaha madu terhadap perbaikan kualitas label logo dan packaging. Saat ini, usaha madu yang mereka hasilkan dari sisi penampilan baik label dan kemasan masih sederhana. Tujuan pengabdian kepada masyarakat untuk mengenalkan strategi branding (pengemasan dan pelabelan) yang baik dan menarik, dan kegiatan pelatihan bertujuan untuk melatih skill pelaku UMKM Vanie Honey mengenai cara pembuatan kemasan dan label yang baik dan menarik. Metode yang digunakan dalam skema sosialisasi dan pendampingan kepada pemilik terkait strategi labeling dan packaging untuk meningkatkan penjualan produk UMKM Vanie Honey di Kabupaten Demak ini dilaksanakan di Desa Katonsari Kecamatan Demak Kabupaten Demak pada hari Senin, 03 Februari 2025. Hasil pengabdian kepada masyarakat menujukan bahwa Universitas Muria Kudus setelah melakukan kegiatan pengabdian dalam rangka meningkatkan kualitas dan volume penjualan atas produk yang dihasilkan oleh UMKM Vanie Honey melalui penyuluhan dan pendampingan labelling dan packaging telah mampu meningkatkan daya tarik pasar juga meningkatkan penjulan produk pemilik usaha Vanie Honey di Desa Katonsari Kecamatan Demak Kabupaten Demak dengan kemasan yang lebih bagus, yaitu dengan menggunakan drigen dan botol kaca yang lebih tebal untuk melindungi produk dan menggunakan perekat bungkus yang lebih rapat sehingga tidak cepat terbuka, dan juga produk terlihat lebih menarik dan informatif karena telah mempunyai identitas atau label serta dapat menjangkau pasar yang lebih luas.

The Role of Financial Technology in Personal Financial Planning for the Millennial Generation in Urban Indonesia Today Ratnawati, Dwi Puji; Pratiwi, Rifka Sari; Rukmana, Indra Heri
Jurnal Ar Ro'is Mandalika (Armada) Vol. 5 No. 3 (2025): JURNAL AR RO'IS MANDALIKA (ARMADA)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/armada.v5i3.5291

The rapid advancement of financial technology (fintech) has significantly reshaped how millennials in urban Indonesia manage their personal finances. Characterized by high digital literacy and mobile dependence, this generation has increasingly adopted fintech platforms for budgeting, saving, investing, and accessing financial protection. This study aims to analyze the role of fintech in supporting the personal financial planning of urban millennials, focusing on four key dimensions: cash flow management, savings, investment behavior, and financial protection. Using a qualitative approach with a literature review method, data were collected from ten peer-reviewed articles published between 2018 and 2025. The selected literature was analyzed thematically to identify patterns and synthesize insights. The findings reveal that fintech tools have facilitated more organized financial behaviors among millennials, enabling automation in savings, simplified investment access, and enhanced budgeting control. Moreover, fintech has played a vital role in democratizing access to insurance products. However, the study also found that the effectiveness of fintech is contingent upon the users’ level of financial literacy. While many millennials are eager to adopt digital financial solutions, gaps remain in risk awareness, long-term planning, and responsible consumption. Therefore, although fintech has the potential to transform financial planning, its benefits are maximized when accompanied by adequate financial education.

PENGALAMAN MANAJER KEUANGAN DALAM MENGHADAPI KETIDAKPASTIAN EKONOMI: PERSPEKTIF AKUNTANSI MANAJEMEN Ratnawati, Dwi Puji
JARUM: Journal of Analysis Research and Management Review Vol. 3 No. 1 (2026): January
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/jarum.v3i1.110

This study aims to analyze the experiences of financial managers in dealing with economic uncertainty from a management accounting perspective. Economic uncertainty, characterized by macroeconomic fluctuations, market volatility, and changes in government policies, requires companies to strengthen their planning systems, cost control mechanisms, and risk management practices. This study employs a qualitative approach using in-depth interviews with three financial managers from the manufacturing, service, and trade sectors. The data were analyzed using thematic analysis techniques to identify the strategies implemented in response to unstable economic conditions. The findings indicate that financial managers enhance scenario-based planning, implement stricter cost control measures, and improve liquidity and risk management through the support of management accounting systems. Furthermore, professional experience plays a crucial role in integrating quantitative data with strategic intuition, resulting in more adaptive and comprehensive decision-making. This study emphasizes that the effectiveness of management accounting systems and the quality of human resources are key factors in maintaining organizational resilience amid economic uncertainty.

FLUKTUASI KINERJA KEUANGAN PERBANKAN SYARIAH: ANALISIS PADA IMPLEMENTASI PROFIT LOSS SHARING DAN MANAJEMEN RISIKO Fajar, Maulana; Kusuma, Triana Hasty; Yuliana, Novita; Ratnawati, Dwi Puji
Jurnal Studi Manajemen Bisnis Vol. 3 No. 2 (2023): Jurnal Studi Manajemen Bisnis
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/jsmb.v3i2.12118

Profit Loss Sharing (PLS) plays a crucial role in determining the potential value of profits in Islamic banking. The PLS profit-sharing system indicates the success or failure in the financing investments undertaken by the banks. To generate profits from the financing investments, it is essential to have a reliable and sustainable risk management. In this study, the risk management variable will be comprehensively examined in relation to its impact on supporting the implementation of PLS systems (mudharabah and musyarakah) on financial performance. The analytical method employed is quantitative analysis with the support of the E-Views application program. The research sample includes 11 Islamic commercial banks in Indonesia, with an observation period from 2017 to 2022. The research analysis results demonstrate that mudharabah financing and musyarakah financing have a positive influence on financial performance. Risk management weakens the influence of mudharabah financing and musyarakah financing on financial performance. In terms of direct influence, risk management exerts the strongest impact compared to mudharabah financing and musyarakah financing. Mudharabah financing has the smallest impact on the value of financial performance.

Artificial Intelligence Usage and Determinants of Student Academic Achievement: Penggunaan Artificial Intelligence dan Penentu Prestasi Akademik Mahasiswa Prasetyoningrum, Indah Dwi; Fajar, Maulana; Ratnawati, Dwi Puji
Pedagogia : Jurnal Pendidikan Vol. 15 No. 1 (2026): February
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/pedagogia.v15i1.2097

General Background: The growing integration of Artificial Intelligence (AI) in higher education has introduced new opportunities for digital learning and academic support. Specific Background: Along with AI adoption, students’ academic achievement is also associated with internal learning capacity such as self-regulated learning, digital literacy, and the management of study load. Knowledge Gap: However, limited studies examine these variables simultaneously within a single analytical framework to understand their relationship with academic achievement. Aims: This study analyzes the relationship between Artificial Intelligence usage frequency, self-regulated learning, digital literacy, study load, and student academic achievement. Results: The findings indicate that the frequency of AI usage does not show a significant relationship with academic achievement, while self-regulated learning, digital literacy, and study load show significant positive relationships with student academic achievement. Digital literacy and study load also do not moderate the relationship between AI usage frequency and academic achievement. Novelty: This study proposes an integrated conceptual examination of Artificial Intelligence usage together with self-regulated learning, digital literacy, and study load in explaining student academic achievement. Implications: The results suggest that universities should prioritize strengthening self-regulated learning, improving critical digital literacy, and designing proportional study loads to support the optimal use of AI in the academic learning process. Highlights • Self-regulated learning shows a positive relationship with student academic performance.• Digital literacy and study load are associated with higher academic achievement levels.• Artificial intelligence usage frequency is not the primary determinant of academic scores. Keywords Artificial Intelligence; Self-Regulated Learning; Digital Literacy; Study Load; Academic Achievement

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