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All Journal BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat International Journal of Contemporary Accounting International Journal of Business and Quality Research
Juniati Gunawan
Fakultas Ekonomi dan Bisnis, Universitas Trisakti, Jakarta, Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences

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INFLUENCE OF GENERAL ALLOCATION FUND, SPECIAL ALLOCATION FUND, AND CAPITAL EXPENDITURE ON FINANCIAL PERFORMANCE OF LOCAL GOVERNMENT Safira Andhini; Juniati Gunawan; Hung-Yi Chen
International Journal of Contemporary Accounting Vol. 5 No. 2 (2023): December
Publisher : Fakultas Ekonomi dan Bisnis Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/ijca.v5i2.17381

Abstract

The goal of the research is to ascertain how capital expenditures, special allocation funds, and general allocation funds affect government financial performance as evaluated by regional financial independence. Through capital expenditure, special allocation funds, and general allocation fund, local governments can build infrastructure that will provide long-term benefits, provide services to the public, and develop regional investments. The Minister of Finance of the Republic of Indonesia in 2021 highlighted the very low realization of the regional government budget reports. The data used is the Financial Reports of the Regional Government, namely the budget as well as realization report, transfer to the region and village fund report, and regional government budget reports from Regencies and Cities of North Sumatra Province for 2017-2022. The population is 33 regencies aswell as cities in North Sumatra, with a total sample size of 198. Panel data regression using saturated sample approaches is the analytical approach used. Measurements for capital expenditures, special allocation funds, as well as variable general allocation funds are made using realized values represented in rupiah. This research also provides an international perspective to show that general allocation funds and capital expenditure have a significant positive influence on local government financial performance, and special allocation funds have a significant negative influence on local government financial performance.
Influence of Financial Technology Usage, Consumer Protection, and Financial Literacy on Financial Inclusion Cristia Cristia; Juniati Gunawan; Angelica Valerie Amaranydia
International Journal of Business and Quality Research Vol. 2 No. 03 (2024): July - September, International Journal of Business and Quality Research (IJBQ
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v2i03.980

Abstract

Financial inclusion is essential for the economic development and stability of a society, particularly in developing regions. The rapid advancement of financial technology (fintech), coupled with the necessity for consumer protection and enhanced financial literacy, plays a crucial role in promoting financial inclusion. This research aims to examine the factors influencing financial inclusion, focusing on the use of financial technology, consumer protection, and financial literacy among women aged 17-27 residing in Jakarta who have been using financial technology for at least one year. Data were collected via online questionnaires, resulting in responses 208 participants. The research employs a quantitative approach using method Partial Least Squares Structural Equation Modeling (PLS-SEM) and using Smart PLS 3 software for data analysis. The findings indicate that the use of financial technology, consumer protection, and financial literacy each have a significant positive impact on financial inclusion. The results support the hypothesis that these factors are critical in enhancing financial inclusion.
Hidup Irit Bukan Hidup Pelit: Edukasi Literasi Keuangan dan Pemanfaatan Kebutuhan Primer di Panti Jompo Salomo Agape Dading Damas Ario Wicaksono; Florencia Irena Lawita; Juniati Gunawan; Murtanto Murtanto; Natasha Richelle Valencia Ibrahim
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol. 8 No. 3 (2026)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v8i3.1856

Abstract

Financial literacy is an essential competency for older adults in managing resources wisely, particularly due to limited income and dependence on external assistance. This Community Service Program (PKM) aimed to enhance the understanding of residents at the Salomo Agape Nursing Home regarding the concept of living frugally without being stingy through simple financial literacy education and the efficient utilization of primary needs. The program employed a non-formal, humanistic, and participatory approach through sharing sessions, interactive discussions, and edutainment activities such as painting and singing. Evaluation was conducted verbally through contextual question and answer sessions and participatory observation. The results demonstrated that all indicators of participants’ understanding were categorized as very good (above 80%), with the highest achievement found in the aspect of strategies to avoid financial problems (93%). Participants were able to distinguish between being frugal and being stingy, as well as understand the importance of prioritizing primary needs. In addition to improving cognitive aspects, the program also positively influenced affective aspects, including greater openness, self-confidence, and awareness in utilizing assistance responsibly. Therefore, a financial literacy program based on a participatory approach is effective for older adults and should be implemented continuously to support their well being and independence.
Co-Authors Angelica Valerie Amaranydia Cristia Cristia Dading Damas Ario Wicaksono Florencia Irena Lawita Hung-Yi Chen Murtanto Murtanto Natasha Richelle Valencia Ibrahim Safira Andhini