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Kresnawati
Universitas Dehasen Bengkulu
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Financial Performance Of Bumdes Maju Bersama, Durian Sebatang Village, South Bengkulu Regency Cindy Ramadani; Kresnawati Kresnawati; Iswidana Utama Putra
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 3 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jemba.v3i1.1447

Abstract

The purpose of this study is to determine the financial performance of BUMDes Maju Bersama in Durian Sebatang Village, South Bengkulu Regency, during the 2022–2024 period. This research uses an explanatory research method. The results of the study show that the Liquidity Ratio (Current Ratio): BUMDes Durian Sebatang Village shows that the company's liquidity condition has increased from 1.33 in the year of 1999 with poor criteria, in 2023 to 1.53 quite good, in 2024 to 1.62 with fairly good criteria. Activity Ratio: Total Assets Turnover shows an increase in the efficiency of asset use in 2022 by 3.04% with good criteria, in 2023 by 6.76% with very good criteria and in 2024 by 12.7 with very good criteria. Solvency Ratio: Debt to Equity Ratio (DER) of BUMDes is 0% during 2022-2024, indicating that BUMDes is fully funded by equity and does not rely on debt, Profitability Ratio: Net Profit Margin (NPM) shows the calculation results for 2022 of 3.4% with less criteria, in 2023 of 6.8% with sufficient criteria, and in 2024 of 1.3% with very less criteria. Return on Equity (ROE): shows the standard results of Return On Equity (ROE) calculations from 2022-2024, the calculation results for 2022 of 3.4% with very less criteria, in 2023 of 7.13% with less criteria, and in 2024 of 7.5% with less criteria. Return on Assets (ROA) shows the standard results of the Return on Assets (ROA) calculation from 2022 to 2024. The calculation results for 2022 were 3%, which is considered inadequate, in 2023 it was 6%, which is considered adequate, and in 2024 it was 1%, which is considered very inadequate.
PENTINGNYA EDUKASI LITERASI KEUANGAN SEJAK DINI DI KELURAHAN PASAR BENGKULU KOTA BENGKULU Kresnawati; Novita Hamron; Dea Viona Nurliza
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 1 No. 1 (2024): Maret
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jpmebd.v1i1.498

Abstract

Literasi Keuangan menjadi edukasi yang terpenting untuk ditanamkan sejak dini karena pengetahuan dan pengenalan keuangan yang diajarkan akan diterapkan dalam diri anak sehingga dapat membentuk kebiasaan  mengelola keuangan dengan baik dan benar dan dapat mengenal apa itu makna uang, Tujuan kegiatan ini untuk mengenalkan literasi keuangan pada anak usia dini di SD Negeri 57 Kelurahan Pasar Bengkulu sehinnga dapat mengetahui manfaat keuangan pada anak dan cara-cara mengelola keuangan secara bijak dan memberikan pemahaman bagaimana pentingnya memahami pengelolaan uang untuk kebutuhan anak di sekolah maupun diluar sekolah dan anak-anak diajarkan bagaimana cara mengelola uang jajan yang mereka dapat. Metode yang digunakan dengan melaksanakan kegiatan penyuluhan edukasi, diskusi, bercerita, bermain dan tanya jawab. Hasil yang diperoleh ternyata anak-anak memiliki tingkat literasi keuangan cukup tinggi, dengan mengenal uang tidak hanya sebagai alat membeli atau memperoleh sesuatu yang diinginkan, tetapi sebagian anak-anak menyebutkan bahwa orang tua mereka tidak mengarahkan untuk menabung dan uang saku yang diberikan hanya untuk jajan  atau membeli mainan. Diharapkan kedepannya Orang Tua dan Guru dapat membantu anak dalam mengajarkan edukasi keuangan terhadap anak agar anak-anak dapat belajar dan menerapkan bagaimana mengelola keuangan dengan baik dan bijak dan mana yang harus didahulukan keiinginan atau kebutuhan dalam membeli sesuatu. Kata Kunci: Literasi Keuangan, Anak Usia Dini
The Role of Village-Owned Enterprises (Bumdes) in Achieving Food Security and Controlling Inflation in Rejang Lebong Regency Dennis Rydarto Tambunan; Kresnawati; Lydia Gustina Putri
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 4 No. 2 (2025): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v4i2.2751

Abstract

Villages play a role in developing food infrastructure and managing food-based community businesses through Village-Owned Enterprises (BUMDes) as a local capacity booster and driving the village economy to improve community welfare. Inflation can disrupt economic stability, reduce people's purchasing power, and create uncertainty in consumption and investment decisions. BUMDes in Rejang Lebong Regency, as coffee commodity managers, face challenges when fluctuating coffee prices impact the regional inflation rate. Strengthening aspects of production, diversification and processing, marketing and price stabilization, as well as farmer empowerment and institutional strengthening by BUMDes is expected to be able to reduce the inflation rate in the food security sector in Rejang Lebong Regency.
Fintech Services In Financial Inclusion In Jeranglah Rendah Village, South Bengkulu Regency Pongki Resmala Puteri; Kresnawati Kresnawati; Iswidana Utama Putra
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 1 (2026): Januari
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i1.9829

Abstract

This study aims to analyze the role of financial technology (fintech) services in financial inclusion in Jeranglah Rendah Village, South Bengkulu Regency. This research employed a descriptive quantitative method using a survey approach with questionnaires distributed to 60 respondents who are active users of fintech services. The results show that fintech services have a positive and significant impact on improving access, usage, and quality of financial services in rural communities. Fintech simplifies transactions, expands access to formal financial institutions, and enhances economic efficiency. However, challenges remain, such as limited digital infrastructure and low financial literacy among some villagers. The findings highlight the importance of fintech as a digital tool to accelerate financial inclusion in rural areas and emphasize the need for government support in improving digital literacy and financial infrastructure.
Business Development Strategy For Sale Pisang Mak Mixsyen In Suka Jaya Village, South Bengkulu Emilda Rahmadania; Kresnawati Kresnawati; Rina Trisna Yanti
Journal of Management, Economic, and Accounting Vol. 5 No. 1 (2026): January
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i1.1011

Abstract

Micro, small and medium enterprises (MSMEs) contribute more than 61% to the national Gross Domestic Product (GDP) and employ more than 97% of the workforce in Indonesia. The MSME sector has a high adaptability, especially in commodity-based businesses that utilise the potential of local natural resources. The purpose of this study is to determine strategies that encourage the development of the Sale Pisang Mak Mixsyen business in Suka Jaya Village, South Bengkulu, and to formulate appropriate development strategies through SWOT analysis and the determination of strategic priorities using the Analytical Hierarchy Process (AHP) method. This research method uses a descriptive qualitative-quantitative research type. This research was conducted at the Sale Pisang Mak Miksen MSME. The data collection techniques were interviews and SWOT questionnaires. The data analysis techniques used in this study were SWOT matrix calculations and strategy weighting using the Analytical Hierarchy Process (AHP). The results of the study showed that the factors in the development of the ‘Mak Mixsyen’ banana sale business were that the product had a distinctive taste and was durable (strength) with a score of 1.74, limited capital, few product variants, and unstructured business management (weaknesses) with a score of 1.05, the use of digital technology and government support for MSMEs (opportunities) with a score of 1.92, and unstable raw material prices (threats) with a score of 0.64. Based on the SWOT analysis results, the appropriate strategic alternative for developing the ‘Mak Mixsyen’ banana sale business is in Quadrant I with coordinates 0.68:1.28, namely the S-O strategic alternative, which includes improving quality and adding variants, utilising social media for promotion, and utilising government support for MSMEs. The AHP results prioritise the strategic alternatives for developing the ‘Mak Mixsyen’ banana sale business as improving quality and adding variants, utilising social media for promotion, and utilising government support for MSMEs, as well as improving business management
The Effect of QRIS Use on the Safety of Cashless Transactions in UMKM in Bengkulu City Kresnawati Kresnawati; Jeanifah Triana; Depiana Wulandari; Dea Amanda; Silvana Firtasuli; Yumi Adelia Fateha; Cindy Apriyani Natasya
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1205

Abstract

Along with the development of digitalization in the banking sector, Bank Indonesia and the Indonesian Payment System Association (ASPI) have created a non-cash payment innovation in the form of QRIS (Quick Response Code Indonesian Standard). QRIS makes it easy for users to make fast and secure digital transactions, especially for Micro, Small and Medium Enterprises (MSMEs). This study aims to analyze the effect of QRIS usage on the safety of cashless transactions among MSMEs in Bengkulu City. The method used is a descriptive quantitative approach, with data collected through interviews and Google Forms. The data obtained from the questionnaire was analyzed using a descriptive statistical approach and simple linear regression testing with the help of IBM SPSS Statistics 27 software.
The Effectiveness of Fintech in Supporting the Performance of Bengkulu's Kalamansi Syrup SMEs Wagini Wagini; Kresnawati Kresnawati; Muhamad Sholahudin Almagribi; Nyimas Asti Mutiarani; Rahma Oktapiani; Tiara Ikshaliana; Urba Tian Sari; Rendy Lesmana
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1206

Abstract

This study evaluates the extent to which Financial Technology (Fintech), particularly mobile banking from Bank Bengkulu, contributes to the ease of conducting digital transactions and the performance of “Sahabat Kita” MSMEs that produce Bengkulu's signature kalamangsi syrup. Using a descriptive qualitative approach, data was collected through interviews, direct observation, and document collection. The findings of this study indicate that mobile banking makes an important contribution to simplifying the transaction process, promoting efficiency, and expanding the market reach for MSMEs, despite challenges related to digital literacy and information security. It can be concluded that Fintech successfully supports MSME performance through a payment system that is easy and accessible to many parties.
The Impact of Digital Wallet Use (Fintech Payment) on Students’ Personal Financial Management DANA Application Users Neri Susanti; Kresnawati Kresnawati; Nabilla Dwi Sakina; Gita Rafika Rahma; Cemas Astiana; Suiska Minarti; Meta Riana; Evi Febriani
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1207

Abstract

This study aims to analyze the impact of digital wallet usage, specifically the DANA application, on the personal financial management of university students. Using a quantitative survey approach, data was collected from students who actively use DANA in their daily financial transactions. The findings indicate that the intensity of digital wallet usage significantly influences students' financial management, particularly in monitoring expenditures and accessing transaction histories. Promotional features such as cashback and discounts have also been proven to increase students' consumption behavior. The study further shows that digital financial literacy plays a crucial role in ensuring responsible use of digital payment tools. These results imply the need for enhanced financial literacy education in higher education institutions to support healthy financial behavior among young digital users.
Peran Program Kkn-T Di Lingkungan Rt 02 Pematang Gubernur Tri Andara Ayu; Aldiansyah Putra; Diup Anggara; Muhammad Alfikri; Kresnawati Kresnawati; Fitrah Ramdani; Ranny Fitri Imran; Ida Ayu Made Er Meytha Gayatri; Feby Elra Perdima
Jurnal Karya Nyata Pengabdian Vol. 2 No. 2 (2026): April
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jknp.v2i2.582

Abstract

Program Kuliah Kerja Nyata Tematik (KKNT) Kelompok 27 Universitas Dehasen Bengkulu dilaksanakan di RT 02 Kelurahan Pematang Gubernur, Kecamatan Muara Bangkahulu, pada periode 22 Desember 2025 hingga 19 Januari 2026. Berdasarkan pemetaan awal, ditemukan permasalahan utama berupa nomor rumah warga yang tidak runtut, lingkungan pemukiman yang kurang bersih, serta kurangnya kegiatan pembinaan pendidikan keagamaan bagi anak, khususnya pembelajaran mengaji dan pemahaman ibadah. Solusi program disusun dalam tiga kegiatan utama, yaitu pendataan dan penomoran ulang 101 rumah warga secara door to door, gotong royong bersama masyarakat pada area masjid dan lingkungan rumah warga, dan pembelajaran agama Islam berupa mengaji, hafalan surah pendek, serta praktik sholat bagi sekitar 15 anak selama tiga minggu. Hasil pelaksanaan menunjukkan administrasi wilayah lebih tertata, kebersihan lingkungan meningkat, dan partisipasi warga serta motivasi anak mengikuti pembinaan keagamaan semakin tinggi. Program ini membuktikan bahwa kolaborasi mahasiswa dan masyarakat mampu meningkatkan kesadaran lingkungan pada tingkat komunitas.
Survival Strategies Of UMKM In Bengkulu City In Facing Inflation (Phenomenological Study) Yerni Puspita Sari; Ahmad Soleh; Kresnawati Kresnawati
Social Sciences Journal Vol. 2 No. 2 (2026): February
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/soc.v2i2.438

Abstract

The purpose of this study was to determine the survival strategies of UMKM in Bengkulu City in facing inflation. This research method used descriptive qualitative and quantitative research, often referred to as mixed methods. A phenomenological study with SWOT analysis was used as qualitative research. Furthermore, the use of SWOT, EFE, IFE, IE, and QSPM matrices, all in numerical form, constitutes quantitative research. The research sample consisted of five UMKM operating as Padang restaurants in Bengkulu City. The data analysis technique used was descriptive qualitative and quantitative. The results of the study showed a total IFAS score of 2.73 and EFAS from the SWOT analysis of 3.10, placing the business position in Quadrant I (aggressive strategy) which means that the strategy is more emphasized on the strengths and opportunities that are owned, namely the quality of Minang's distinctive taste, customer loyalty, and strategic location of the business. The results of the QSPM (Quantitative Strategic Planning Matrix), the alternative strategy that is the main priority is the strategy chosen with the highest number of weight values, where the strategy is a market penetration strategy with a TAS (Total Attractive Score) value of 6.55 which means Expanding promotions through social media and digital platforms.
Co-Authors Afrijal, Gustian Ahmad Soleh Ahmad Soleh Aldiansyah Putra Alfajar, Muhammad Imam Andriyani Prawitasari Andy Mulyana Asty Eka Fitriani Aswar Aswar Cahya, Andika Cemas Astiana Cindy Apriyani Natasya Cindy Ramadani Dea Amanda Dea Viona Nurliza Dennis Ryanto Tambu Dennis Rydarto Tambunan Depiana Wulandari Dita Winastia Putri Diup Anggara Dodi Hardinata Emilda Rahmadania Evi Febriani Falentino, Feby Fitrah Ramdani Fitri Kurniawati Gayatri, Ida Ayu Made Er Meytha Gita Rafika Rahma Hanila, Siti Indriana Indriana Iswidana Utama Putra Jeanifah Triana Karona Cahya Susena Lydia Gustina Putri Meta Riana Metriko Haderian Muhamad Sholahudin Almagribi Muhammad Alfikri Nabilla Dwi Sakina Nasution, Suswati Neri Susanti Novita Hamron Nupsi, Nupsi Nurnaini Nurnaini Nyimas Asti Mutiarani Pedi Herwanto Perdima, Feby Elra Pongki Resmala Puteri Putra Pernales Putriani, Ririn Rahma Oktapiani Rahmat Hidayat Ranny Fitri Imran Rendy Lesmana Rina Trisna Yanti Setini, Made Silke Sachanovrissa Silvana Firtasuli Sirwan Mayudi Sri Handayani Suiska Minarti Suwarni Suwarni Suwarni Tawakal, Anzori Tiara Ikshaliana Tri Andara Ayu Urba Tian Sari Wagini Yenisrida Yenisrida Yerni Puspita Sari Yudi Irawan Abi Yumi Adelia Fateha Yun Fitriano Zahrah Indah Ferina