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All Journal Equilibrium DeReMa (Development Research of Management) Jurnal Manajemen Empowerment : Jurnal Pengabdian Masyarakat Jurnal Riset Ekonomi dan Bisnis Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ranah Publik Indonesia Kontemporer (Rapik) Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Jurnal Manajemen dan Kewirausahaan Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi Worksheet : Jurnal Akuntansi Kapas: Kumpulan Artikel Pengabdian Masyarakat Pena Dimas: Jurnal Pengabdian Masyarakat Inovasi Jurnal Pengabdian Masyarakat (IJPM) Masyarakat: Jurnal Pengabdian INDONESIAN JOURNAL OF BUSINESS AND ECONOMICS
Arief Surya Lesmana
Universitas Kuningan
Religion Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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FINANCIAL INCLUSION AMONG STUDENTS: THE ROLE OF LITEREACY, TECHNOLOGY, AND SOCIAL CAPITAL Lesmana, Arief Surya; Ganefi, Hadi Satria; Muttaqien, Dadan Darmawan; Lesmana, Ari; Firmansyah, Muhamad Andhika
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 5 No. 2 (2025): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v5i2.154

Abstract

Financial inclusion has become a global development agenda, yet in Indonesia a significant gap remains between the level of inclusion and financial literacy. Among young generations, particularly university students, access to financial services is increasing through digital platforms, but effective and responsible utilization is still not fully achieved. This study aims to examine the influence of financial literacy, financial technology, and social capital on financial inclusion among students of the Faculty of Economics and Business, Universitas Kuningan. A quantitative approach was employed using survey data and multiple linear regression analysis. The dependent variable was financial inclusion, while the independent variables included financial literacy, financial technology, and social capital. The findings reveal that all three independent variables have a positive and significant effect on financial inclusion. Among them, financial technology has the strongest impact. The model explains 60.2% of the variance in financial inclusion, indicating a strong explanatory power. The study underscores the importance of integrating behavioural, technological, and social dimensions to strengthen financial inclusion among young people. It contributes to the theoretical framework of the Theory of Planned Behaviour and provides practical implications for policymakers, educators, and financial service providers in promoting inclusive and sustainable financial access
Efektivitas Pelatihan Digital Marketing terhadap Peningkatan Pengetahuan dan Adopsi Teknologi pada UMKM Desa Cigugur Muttaqien, Dadan Darmawan; Muhsidi, Adi Muhamad; Lesmana, Arief Surya
Kapas: Kumpulan Artikel Pengabdian Masyarakat Vol 4, No 1 (2025)
Publisher : Universitas Indraprasta PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/ks.v4i1.4439

Abstract

Transformasi digital telah membuka peluang besar bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) untuk meningkatkan daya saing melalui pemanfaatan teknologi pemasaran digital. Namun, rendahnya literasi digital menjadi hambatan utama bagi UMKM di wilayah pedesaan, termasuk di Desa Cigugur, Kabupaten Kuningan. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk menganalisis efektivitas pelatihan digital marketing terhadap peningkatan pengetahuan, sikap, dan adopsi teknologi pemasaran digital bagi pelaku UMKM. Metode pelaksanaan meliputi penyampaian materi teoritis, praktik langsung pembuatan akun bisnis digital, pendampingan teknis, serta evaluasi berbasis pre-test dan post-test menggunakan kuesioner terstruktur. Hasil analisis menunjukkan adanya peningkatan signifikan pada skor pengetahuan peserta dari rata-rata 3,73 (pre-test) menjadi 5,53 (post-test), serta peningkatan sikap dan efikasi diri dari 3,13 menjadi 3,73. Tingkat adopsi teknologi digital mencapai 100% untuk WhatsApp Business dan Google Business Profile, sementara frekuensi pemasaran digital meningkat dari 3,2 kali/minggu menjadi 3,67 kali/minggu. Rata-rata kepuasan peserta terhadap pelatihan memperoleh skor 4,0 dari 5, yang menunjukkan bahwa desain pelatihan kontekstual dan berbasis praktik dinilai relevan serta bermanfaat. Pelatihan digital marketing efektif dalam meningkatkan literasi digital sekaligus mendorong transformasi pemasaran berbasis teknologi di kalangan pelaku UMKM.
PENDAMPINGAN KEWIRAUSAHAAN: MENGEMBANGKAN JIWA TECHNOPRENEURSHIP BAGI PELAJAR Ganefi, Hadi Satria; Lesmana, Arief Surya; Rahimi, Faishal
Masyarakat: Jurnal Pengabdian Vol. 2 No. 4 (2026)
Publisher : Yayasan Pendidikan Dan Pengembangan Harapan Ananda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58740/m-jp.v2i4.549

Abstract

Kesempatan pekerjaan yang semakin terbatas serta lulusan pendidikan formal yang semakin meningkat menimbulkan gap demand-supply di pasar tenaga kerja. Kewirausahaan dapat dikatakan sebagai langkah strategis untuk mengurangi pengangguran dan menciptakan kemandirian ekonomi. Sebagai bentuk kepedulian lingkungan dan sosial Universitas Kuningan melalui program Pengabdian Kepada Masyarakat memberikan edukasi mengenai pentingnya membangun semangat kewirausahaan. Tujuan utama PKM ini adalah memberikan edukasi dan menggalakan pendidikan kewirausahaan berbasis teknologi digital dan terciptanya technopreneur baru. Kegiatan ini dilakukan di Pondok Pesantren Tarbiyatul Banin, Kelurahan Dukupuntang, Kabupaten Cirebon. Pelaksanaan terbagi kedalam tiga tahap mulai dari persiapan program, pelaksanaan dan evaluasi program. Pelaksanaan dilakukan dengan penyampaian materi yang disusun berdasarkan analisis kebutuhan dilanjutkan dengan sesi diskusi dan tanya jawab. Kegiatan PKM berjalan dengan baik dan menunjukkan hasil yang positif bagi peserta didik yaitu meningkatnya pengetahuan dan minat sebagai technopreneur. Manfaat lain bagi mitra adalah terciptanya program pengembangan kewirausahaan digital melalui kegiatan ekstrakulikuler secara berkelanjutan dan program inkubator bisnis.
Edukasi Keuangan Pelajar: Pengenalan Investasi Pada Generasi Z Untuk Mencapai Tujuan Keuangan Ganefi, Hadi Satria; Lesmana, Arief Surya
Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi Vol 3, No 2: August 2024
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/ljpmt.v3i2.26923

Abstract

Every individual has a good life goal. One of the ways an individual can achieve their goals is through financial success. A person's intelligence in achieving financial success starts from how they can set goals, make financial plans, and manage their finances. Financial education through the introduction of investment to students will reflect financial behaviour that can affect their future welfare level. This community service was carried out at the Islamic boarding school of Tarbiyatul Banin, Dukupuntang, Cirebon Regency, by a Faculty of Economics and Business, Kuningan University team. This service aims to create a young generation that is competent in investment. The methods used in this activity include delivering financial education materials, interactive discussions, and evaluations through quizzes and questionnaires. This activity showed a significant increase in participants' understanding of the basic concepts of investment, capital markets, and the risks associated with investment. These results are expected to provide a positive contribution in preparing a younger generation that is better prepared to face financial challenges in the future.
DEVELOPING LANDING PAGES AS DIGITAL MARKETING TOOLS FOR MSME PRACTITIONERS IN CIGUGUR: AN EDUCATIONAL APPROACH Surya Lesmana, Arief; Ganefi, Hadi Satria; Muttaqien, Dadan Darmawan
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 8 No. 4 (2024): DESEMBER
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v8i4.2478

Abstract

Cigugur Village as one of the Tourism Village in Kuningan Regency has great potential to improve the economy of its community through MSMEs. Many local MSME products have advantages but are not supported by appropriate marketing strategies. The majority of MSMEs still apply conventional marketing by word of mouth and entrust it to retail stores. As a result, sales tend to stagnate and it is difficult to compete with competitors in the market. Therefore, this community service was carried out to provide education to Cigugur Village MSMEs regarding the latest digital marketing strategies by creating an integrated WhatsApp Business landing page by utilizing the free features of Canva. A total of 20 participants took part in this program. After this activity was carried out, the participants succeeded in creating a simple landing page quite well. After being provided with education, there was an increase in the participants’ understanding of digital marketing concepts and the practice of using them. It is hoped that this service activity can help MSME players develop their business through digital marketing tools, such as landing pages, thereby positively impacting the survival and sustainability of Cigugur Village MSMEs.
EDUKASI GREEN MANUFACTURING DAN PEMANFAATAN LIMBAH HASIL PRODUKSI PADA UKM TAHU-TEMPE Lesmana, Arief Surya; Ganefi, Hadi Satria; Jahidah, Nurul Siti
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Volume 5 No 1 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i1.24703

Abstract

Dua masalah utama yang dijumpai pada industri tahu-tempe di Desa Cibingbin adalah masih rendahnya pemahaman mengenai produksi hijau dan pemanfaatan limbah hasil produksi. Hal ini akan berdampak pada daya dukung lingkungan. Oleh karena itu, kami memberikan edukasi mengenai pentingnya penerapan green manufacturing dan pemanfaatan limbah hasil produksi untuk mendukung keberlanjutan bisnis dan meningkatkan produktivitas. Tujuannya adalah untuk meningkatkan wawasan dan kesadaran para pelaku usaha dalam menjalankan proses produksinya. Metode dalam pengabdian ini meliputi identifikasi masalah, perumusan solusi, perencanaan, implementasi, dan evaluasi. Hasil analisis menunjukkan bahwa setelah diberikan edukasi, terjadi peningkatan pemahaman para pelaku usaha mengenai konsep green manufacturing secara signifikan. Pemanfaatan ampas menjadi gelembus dapat memberikan nilai jual ekonomis. Sementara pemanfaatan limbah cair sebagai pakan ternak terbukti dapat mengurangi pencemaran lingkungan perairan di sekitar pabrik.
A HYBRID MODEL FOR STOCK PORTFOLIO SELECTION: MEAN-VALUE-AT-RISK WITH ANT COLONY OPTIMIZATION Arief Surya Lesmana; Hadi Satria Ganefi; Dadan Darmawan Muttaqien
INDONESIAN JOURNAL OF BUSINESS AND ECONOMICS Vol. 8 No. 1 (2025): Indonesian Journal Of Business And Economics
Publisher : Universitas Kuningan

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

Abstract

The main problem in portfolio selection and management is determining an optimal risk-return balance. Investors strive to obtain maximum return while keeping the level of risk, but such a balance is hard to reach. The objective of this paper is to optimize stock portfolio formation using Ant Colony Optimization (ACO) for stock selection and the Mean-Value-at-Risk (VaR) model for portfolio optimization. By simulating risk aversion coefficients, the cluster of four stocks was computed by the ACO algorithm with asset allocation proportions. The study found a negative relationship existing between risk aversion and VaR or the expected return, while between VaR and expected return, exists a positive correlation. The optimum portfolio for a risk aversion of 3.6 had an expected return of 4.38% and VaR of 9.27% with a ratio of 47.25%. The detailed composition includes 26.61% BRIS, 24.42% ELSA, 46.16% PGAS, and 2.83% TLKM. It shows the efficiency of the ACO algorithm in stock selection and that the investment is acceptable to suit the individual’s risk preference. Results from this study have significant implications for portfolio management in that it provides the necessary guide to construct an optimum portfolio that is balanced according to investor profiles.
Co-Authors Adi Muhamad Muhsidi Adzimatinur, Fauziyah Amellia, Tiara Anastasya, Tyas Fitria Choerunnisa, Reisma Dadan Darmawan Muttaqien Faisal Raihimi Faishal Rahimi Firdaus, Galih Adam Firjatullah, Akmal Naufal Firmansyah, Muhamad Andhika Ganefi, Hadi Satria Hadi Satria Ganefi Hadi Satria Ganefi Harjadi, Dikdik Herma Wiharno Jahidah, Nurul Siti Komarudin, Munir Nur Lesmana, Ari Lili Karmela Fitriani Muttaqien, Dadan Darmawan Ningsih, Liya Pramono, Ardian Eka Rahmantya, Yanneri Elfa Kiswara Supriatna, Odang Syafrudin, Oding Yasir Maulana