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Pelatihan Wirausaha Muda Berbasis Karakter: Upaya Mengatasi Pengangguran Melalui Pendekatan Ikigai Triyana Iskandarsyah; Ria Satyarini; Chris Petra Agung; Ignasia Tiffani; Meidila Anggita; Angela Teressia
Jurnal Dharma Bhakti Ekuitas Vol. 10 No. 1 (2025): Jurnal Dharma Bhakti Ekuitas
Publisher : Universitas Ekuitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v10i1.1019

Youth unemployment remains a pressing issue in Indonesia, largely due to limited formal job opportunities and the insufficient readiness of graduates to adapt to an increasingly dynamic labor market. This condition calls for an alternative solution through the promotion of entrepreneurship, not merely as a means of economic gain but as a pathway toward value, meaning, and sustainable living. This Community Service Program aimed to cultivate an entrepreneurial mindset rooted in self-reflection and life purpose awareness by strengthening participants’ critical thinking, self-confidence, responsibility, and understanding of the ikigai concept, which covers achieving balance among what one loves, is good at, what society needs, and what can provide income. The program was implemented through a participatory approach involving self-reflection, group discussions, simple business simulations, and interactive lectures. The results revealed strong enthusiasm and engagement from participants, along with improvements in logical reasoning, risk-taking ability, and task discipline. Moreover, the integration of ikigai helped participants discover business directions aligned with their passions and personal values, resulting in more meaningful and sustainable ventures. Overall, this program successfully fostered awareness that entrepreneurship is not merely a solution to unemployment but a way to create a productive, purposeful, and socially valuable life. Keywords: character development, entrepreneurial mindset, ikigai, unemployment, youth entrepreneurship. Abstrak Tingkat pengangguran di kalangan generasi muda masih menjadi tantangan serius di Indonesia, khususnya akibat keterbatasan lapangan kerja formal dan ketidaksiapan lulusan menghadapi tuntutan dunia kerja yang dinamis. Kondisi ini menuntut adanya alternatif solusi melalui penguatan semangat kewirausahaan yang tidak hanya berorientasi pada keuntungan ekonomi, tetapi juga pada nilai, makna, dan keberlanjutan hidup. Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan menumbuhkan pola pikir kewirausahaan (entrepreneurial mindset) yang berakar pada refleksi diri dan kesadaran makna hidup melalui penguatan kemampuan berpikir kritis, rasa percaya diri, tanggung jawab, serta pemahaman konsep ikigai, yakni keseimbangan antara apa yang dicintai, dikuasai, dibutuhkan masyarakat, dan dapat menjadi sumber penghidupan. Pelaksanaan kegiatan menggunakan pendekatan partisipatif melalui refleksi diri, diskusi kelompok, simulasi bisnis sederhana, dan penyampaian materi interaktif. Hasil kegiatan menunjukkan bahwa peserta mengikuti seluruh rangkaian dengan antusias, menunjukkan peningkatan dalam kemampuan berpikir logis, keberanian mengambil risiko, serta kedisiplinan dalam menyelesaikan tugas. Selain itu, penerapan ikigai membantu peserta menemukan arah usaha yang sesuai dengan passion dan nilai pribadi, sehingga wirausaha yang dijalankan menjadi lebih bermakna dan berkelanjutan. Secara keseluruhan, kegiatan ini berhasil menumbuhkan kesadaran baru bahwa kewirausahaan bukan semata jalan keluar dari pengangguran, tetapi juga sarana mewujudkan kehidupan yang produktif, bernilai, dan berkontribusi bagi sesama. Kata kunci: pengembangan karakter, pola pikir kewirausahaan, ikigai, penganggugran, kewirausahaan muda.

CORPORATE GOVERNANCE AND SUSTAINABLE PERFORMANCE: LESSONS FROM INDONESIA’S HOSPITALITY INDUSTRY Chris Petra Agung; Wahdan Arum Inawati; Feby Astrid Kesaulya; Yeremias Budi Irawan; Rifky Wardhana Taniwangsa
Bina Ekonomi Vol. 30 No. 1 (2026): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/7zvydp07

This study aims to analyze the effect of board member diversity and earnings quality on the future performance of hotel companies listed on the Indonesia Stock Exchange during the 2021–2023 period. Board diversity is measured by nationality, gender, and expertise; earnings quality is measured by Performance-Adjusted Discretionary Accruals (ADA); and future performance is measured by Return on Assets in the following year. This is a quantitative study using partial least squares-structural equation modeling (PLS-SEM). The results show that board nationality diversity does not significantly affect future performance, indicating that the presence of foreign board members does not fully benefit future performance. Conversely, gender and expertise diversity have a positive and significant effect on future performance. These findings confirm that inclusive representation and professional competence can drive improved company future performance. Earnings quality has a negative effect on future performance. These findings emphasize that transparency and prudence in financial reporting need to be balanced with a more proactive business strategy to drive long-term growth.

Pelatihan Wirausaha Muda Berbasis Karakter: Upaya Mengatasi Pengangguran Melalui Pendekatan Ikigai Triyana Iskandarsyah; Ria Satyarini; Chris Petra Agung; Ignasia Tiffani; Meidila Anggita; Angela Teressia
Jurnal Dharma Bhakti Ekuitas Vol. 10 No. 1 (2025): Jurnal Dharma Bhakti Ekuitas
Publisher : Universitas Ekuitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v10i1.1019

Youth unemployment remains a pressing issue in Indonesia, largely due to limited formal job opportunities and the insufficient readiness of graduates to adapt to an increasingly dynamic labor market. This condition calls for an alternative solution through the promotion of entrepreneurship, not merely as a means of economic gain but as a pathway toward value, meaning, and sustainable living. This Community Service Program aimed to cultivate an entrepreneurial mindset rooted in self-reflection and life purpose awareness by strengthening participants’ critical thinking, self-confidence, responsibility, and understanding of the ikigai concept, which covers achieving balance among what one loves, is good at, what society needs, and what can provide income. The program was implemented through a participatory approach involving self-reflection, group discussions, simple business simulations, and interactive lectures. The results revealed strong enthusiasm and engagement from participants, along with improvements in logical reasoning, risk-taking ability, and task discipline. Moreover, the integration of ikigai helped participants discover business directions aligned with their passions and personal values, resulting in more meaningful and sustainable ventures. Overall, this program successfully fostered awareness that entrepreneurship is not merely a solution to unemployment but a way to create a productive, purposeful, and socially valuable life. Keywords: character development, entrepreneurial mindset, ikigai, unemployment, youth entrepreneurship. Abstrak Tingkat pengangguran di kalangan generasi muda masih menjadi tantangan serius di Indonesia, khususnya akibat keterbatasan lapangan kerja formal dan ketidaksiapan lulusan menghadapi tuntutan dunia kerja yang dinamis. Kondisi ini menuntut adanya alternatif solusi melalui penguatan semangat kewirausahaan yang tidak hanya berorientasi pada keuntungan ekonomi, tetapi juga pada nilai, makna, dan keberlanjutan hidup. Kegiatan Pengabdian kepada Masyarakat (PkM) ini bertujuan menumbuhkan pola pikir kewirausahaan (entrepreneurial mindset) yang berakar pada refleksi diri dan kesadaran makna hidup melalui penguatan kemampuan berpikir kritis, rasa percaya diri, tanggung jawab, serta pemahaman konsep ikigai, yakni keseimbangan antara apa yang dicintai, dikuasai, dibutuhkan masyarakat, dan dapat menjadi sumber penghidupan. Pelaksanaan kegiatan menggunakan pendekatan partisipatif melalui refleksi diri, diskusi kelompok, simulasi bisnis sederhana, dan penyampaian materi interaktif. Hasil kegiatan menunjukkan bahwa peserta mengikuti seluruh rangkaian dengan antusias, menunjukkan peningkatan dalam kemampuan berpikir logis, keberanian mengambil risiko, serta kedisiplinan dalam menyelesaikan tugas. Selain itu, penerapan ikigai membantu peserta menemukan arah usaha yang sesuai dengan passion dan nilai pribadi, sehingga wirausaha yang dijalankan menjadi lebih bermakna dan berkelanjutan. Secara keseluruhan, kegiatan ini berhasil menumbuhkan kesadaran baru bahwa kewirausahaan bukan semata jalan keluar dari pengangguran, tetapi juga sarana mewujudkan kehidupan yang produktif, bernilai, dan berkontribusi bagi sesama. Kata kunci: pengembangan karakter, pola pikir kewirausahaan, ikigai, penganggugran, kewirausahaan muda.

The Influence of Bank Risk and Third-party Funds on Bank Performance in South Korea’s Commercial Bank Muhammad Faruq Abdulhakim; Vera Intanie Dewi; Feby Astrid Kesaulya; Chris Petra Agung; Adam Hawari
MIX: JURNAL ILMIAH MANAJEMEN Vol. 16 No. 2 (2026): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2026.v16i2.017

Objectives: This study aims to analyze the effects of bank risks (credit, market, and operational risks) and third-party funds (TPF) on the performance of South Korean banks.Methodology: This study employed a quantitative research method to achieve the research objectives. Panel data regression using a fixed-effects model was applied to examine the relationships between the variables. Secondary data were collected from the South Korean Financial Supervisory Service, covering 12 conventional commercial banks. The study period spans from December 2015 to December 2023.Finding: The findings show that market risk, operational risk, and third-party funds significantly influence the profitability of South Korean commercial banks. Meanwhile, credit risk has no significant effect on bank performance.Conclusion: Market risk, third-party funds (TPF), and operational risk are important determinants of bank performance. Effective risk management, consistent with Basel standards, can improve operational efficiency, reduce costs, and increase net profit. However, this study finds that credit risk has no significant effect on bank performance.

Analisis Kinerja Keuangan PT. MNC Sky Vision Tbk pada Periode 2019-2023 Karissa Meina Maulida; Chris Petra Agung; Vera Intanie Dewi
Movere Journal Vol. 7 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v7i2.593

Indonesia's media and entertainment industry has experienced significant growth; however, PT. MNC Sky Vision Tbk faced challenges due to declining subscribers from 2019 to 2023. This led to a decrease in revenue and an increase in net losses. This study evaluates the company's financial performance using financial ratio analysis, horizontal and vertical analysis, and cash flow analysis based on financial statements and annual reports. The findings indicate a downward trend in financial performance, driven by declining sales without a proportional reduction in the cost of revenue, with fixed asset depreciation being the largest expense. Most financial ratios show deterioration and reduced cash inflows from operating activities have heightened the company’s liquidity risk. To address these issues, the company should focus on increasing sales, improving accounts receivable collection, and optimizing fixed asset management to enhance financial stability and ensure long-term business sustainability.

PENINGKATAN LITERASI KEUANGAN GURU DAN SISWA SEKOLAH TINGKAT DASAR Budiana Gomulia; Inge Barlian; Vera Intanie Dewi; Nabilla Putri; Chris Petra Agung
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 4 (2025): Agustus
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i4.32045

Abstrak: Maraknya modus penipuan keuangan modern dan ketidakmampuan sebagian besar masyarakat dalam mengambil keputusan keuangan secara bijaksana, menjadikan pendidikan literasi keuangan sangat dibutuhkan masyarakat. Tujuan Program Pengabdian bagi guru dan siswa SD. untuk memberikan pengetahuan dasar keuangan dan penyadaran pentingnya “good habit” pribadi/keluarga sejak dini. Kegiatan ini diikuti oleh sebanyak 20 guru dan 67 siswa. Guru mendapat pelatihan Finacial Life Skill-Modul Usaid, sementara siswa melakukan simulasi menggunakan board game Petualangan Anak Pintar. Berdasarkan hasil Evaluasi melalui FGD dan Survey, seluruh (100%) peserta menyatakan materi sesuai dengan kebutuhan,bermanfaat dan mudah diikuti Sehingga dapat meningkatkan rasa percaya diri dan berpikir Kritis dalam membuat keputusan keuangan,seperti membuat anggaran, mengelola keuangan dan merencanakan tabungan. Dan para guru menilai adanya peluang untuk mengadaptasikan materi FLS ke dalam Kurikulum SD. Penggunaan board game PAP sebagai metode yang menarik dan efektif untuk siswa mengenal literasi keuangan. Namun masih diperlukan inovasi materi yang disesuaikan dengan kemampuan siswa pada tingkat - Kelas IV, V, VI.Abstract: The increasing prevalence of modern financial fraud schemes and the general public’s limited capacity to make sound financial decisions underscore the urgent need for financial literacy education. This community service program, targeted at elementary school teachers and students, aims to provide fundamental financial knowledge and raise awareness about the importance of developing "good habits" at the individual and family levels from an early age. The program involved 20 teachers and 67 students. Teachers received training using the Financial Life Skills (FLS) module developed by USAID, while students participated in simulations through the Petualangan Anak Pintar (Smart Kids’ Adventure) board game. Evaluation results from focus group discussions (FGDs) and surveys revealed that all participants (100%) found the material relevant to their needs, beneficial, and easy to follow. The program significantly enhanced participants' confidence and critical thinking skills in making financial decisions, such as budgeting, managing finances, and planning savings. Furthermore, teachers identified the potential to integrate FLS materials into the elementary school curriculum. The use of the PAP board game proved to be an engaging and effective method for introducing financial literacy to students. Nevertheless, there remains a need for material innovation tailored to the cognitive abilities of students in Grades IV, V, and VI.

Formal Education and Age towards Financial Literacy: Evidence from High School Teachers Chris Petra Agung; Teresia Debby; Mardiana Mardiana; Azzahra Kasih Dyanti; Feby Astrid Kesaulya
Journal of Management and Business Environment (JMBE) Vol 8, No 1: July 2026
Publisher : Soegijapranata Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24167/jmbe.v8i1.14830

This study aimed to examine the relationship between formal education and age and the level of financial literacy among school teachers, especially in Bandung City. This study also aimed to investigate the effect of financial literacy to financial management. The study was done at JKN Senior High School (SHS) in Bandung City, with the JKN teachers as the sample. JKN SHS was chosen for several reasons, such as its alignment with the phenomenon, and the teachers in JKN SHS have diverse formal educational backgrounds and age ranges. The hypothesis testing result showed that formal education positively affects financial literacy. However, age was not shown to influence financial literacy. Thus, financial literacy positively impacts personal financial management. This outcome established an evidence-supported link to the socio-economic issue, namely the increase in urban poverty in Indonesia. In Bandung, teachers facing the demands of a consumer-driven urban life on limited income find that high financial literacy is not just advantageous but essential for developing financial resilience and preventing poverty. The observation empirically validates the claim that strong financial literacy can safeguard individuals against a decrease in their quality of life and enhance their readiness for economic emergencies and crises.

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