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All Journal Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Akademik Pengabdian Masyarakat JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Pelayanan Unggulan: Jurnal Pengabdian Masyarakat Terapan Ekopedia: Jurnal Ilmiah Ekonomi Indonesia Economic Journal
Hikmayani Subur
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Agriculture, Biological Sciences & Forestry Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Mathematics Social Sciences Other

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PENGARUH LITERASI KEUANGAN DAN LITERASI DIGITAL TERHADAP PERTUMBUHAN UMKM DI KECAMATAN RAPPOCINI KOTA MAKASSAR Nurjannah Nurjannah; Hikmayani Subur
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 5 (2024): November
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i5.2892

Abstract

This study aims to analyze the influence of financial literacy and digital literacy on the growth of Micro, Small, and Medium Enterprises (MSMEs), specifically in the culinary sector in Rappocini District, Makassar City. The research method used is a quantitative approach with data collection techniques through surveys and questionnaires distributed to MSME actors in the Rappocini District, Makassar City. The research sample consists of 102 informants, calculated as 25% of the total population of 408 MSMEs in the area. The results of the study indicate that financial literacy and digital literacy have a significant impact on the growth of MSMEs. Financial literacy helps MSME owners manage their finances better, while digital literacy enables them to utilize technology for more efficient marketing and operations. The conclusion of this study is that increasing financial and digital literacy can substantially promote the growth of MSMEs. Therefore, it is recommended to have training and education programs focusing on these two aspects to support the sustainability and expansion of MSMEs in the Rappocini District.
ANALISIS DAMPAK KENAIKAN TARIF PAJAK PERTAMBAHAN NILAI (PPN) TERHADAP MASYARAKAT DAN INFLASI DI INDONESIA Hikmayani Subur; Wahyu Muh Syata
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 5 (2024): November
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i5.3045

Abstract

This research aims to analyze the impact of increasing value added tax (VAT) rates on society and inflation in Indonesia. The method used is a literature review with a library study approach, utilizing secondary data sources such as books, articles, scientific works, previous research and other related literature. The research results show that the increase in the VAT rate from 10% to 11% and the planned increase to 12% in 2025 have caused various responses among the consumer community, the business community, the macro economy and towards inflation. That this increase will increase the expenditure burden, resulting in an increase in the prices of goods and services, as producers or service providers will most likely adjust their prices to cover the additional VAT costs they have to pay to the government. However, based on the law on harmonization of tax regulations, there are certain criteria regarding goods and services that are subject to VAT. This increase also aims to increase state revenue, expand the tax revenue base, reduce the state budget deficit, and maintain long-term fiscal stability. The increase in VAT from 10% to 11% has a direct impact on inflation with a contribution of around 0.4–0.5%. However, this impact tends to be short-term because it is limited to the initial adjustment phase. The impact on inflation tends to be limited, because the main factor for inflation in Indonesia is more influenced by global commodity prices, namely the sharp increase in commodity prices such as cooking oil and fuel oil (BBM). The government seeks to maintain price stability through a policy of sending taxes on essential goods and subsidies, so that the impact on society can be minimized.
PKM KEWIRAUSAHAAN PEMBUATAN KERIPIK PISANG LUMER COKLAT Andi Tenri Ampa; Hikmayani Subur; Andi Caezar To Tadampali; Muhammad Ilyas Thamrin Tahir; Andi Annisa Sulolipu
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 2 No. 6 (2024): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v2i6.2993

Abstract

This community service aims to improve the skills and income of the community through the production of chocolate banana chips. This activity includes training for housewives and MSME actors on the technique of making banana chips with an attractive chocolate coating. In addition to providing knowledge about the production process which includes the selection of raw materials, processing, and proper packaging, this program also teaches aspects of product marketing effectively. It is estimated that through the innovation of the products produced, the community can utilize the potential of local bananas as raw materials and increase the competitiveness of their products in the market, thereby opening up new economic opportunities and improving welfare. In addition, this community service program also emphasizes the importance of aspects of cleanliness, food safety, and the use of simple technology in the production process. Training participants are given an understanding of how to process bananas into processed products with added value, while introducing various digital marketing techniques to expand market reach. Thus, the community not only masters technical skills in the production of chocolate banana chips, but is also able to manage businesses more professionally and sustainably. This program is expected to be a model of empowerment that can be applied in other communities, thereby encouraging local economic growth through innovative and competitive food products.
PKM Kewirausahaan Pizza Rolls Varian Topping Hikmayani Subur; Abdul Rajab; Ratna S; Sri Utami; Wahyu Muh. Syata
Pelayanan Unggulan : Jurnal Pengabdian Masyarakat Terapan Vol. 1 No. 4 (2024): November : Pelayanan Unggulan : Jurnal Pengabdian Masyarakat Terapan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/unggulan.v1i4.852

Abstract

Pizza rolls are snacks in the form of small rolls that usually contain typical pizza ingredients, such as tomato sauce, cheese, meat such as pepperoni or sausage, and various other toppings. The outer crust of pizza rolls is usually made from thin dough such as bread or pastry, then fried or baked until crispy. Pizza rolls are a small snack that combines the classic taste of pizza with a practical form that is easy to eat at any time. Its popularity makes it a favorite choice for casual events, parties or just an afternoon snack. Seeing the increasing food trend, the author took the initiative to make pizza rolls with topping variants in order to provide education to people who want to become entrepreneurs in the culinary field, especially snacks. Pizza rolls are known as a practical and delicious snack, but their health benefits depend on the ingredients used and how they are made. Some of the potential benefits of pizza rolls, especially if made with quality ingredients and consumed in moderation, are a source of fast energy, rich in protein, a source of calcium, contain vitamins and minerals, a healthy alternative with modifications, and improve mood. The methods used in this activity include lectures, questions and answers or discussions, and training. The results obtained were (1) The participants responded well to the training in making pizza rolls with topping variants; (2) Strong motivation and interest from training participants so that it supports the transfer of information and skills from service providers to participants, and each participant can fully absorb the training material offered; and (3) The training product for making pizza rolls with topping variants can be consumed daily and can be used as an entrepreneurial product.
Literasi Keuangan dan Sikap Keuangan Dalam Membentuk Financial Behavior Nurjannah Nurjannah; Andi Tenri Ampa; Hikmayani Subur
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 5 (2024): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM)
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i5.1625

Abstract

The purpose of this study is to investigate the connection between students' financial behavior or financial behavior and financial literacy and attitudes. Monetary proficiency alludes to's how understudies might interpret ideas and information connected with individual budget, while monetary perspectives mirror understudies' psychological and close to home mentalities towards cash, monetary administration and speculation. Adult students from a variety of social and economic backgrounds are asked to respond to a survey as part of this research method. The survey has questions about financial behavior, attitudes toward money, and financial literacy. The collected data were then analyzed using statistical techniques and SPSS to determine whether or not the variables of financial literacy, financial attitudes, and financial behavior were linked together. According to the findings of this study, financial literacy and attitudes toward prudent financial behavior are positively correlated. Students who have a high level of financial literacy are more likely to have positive financial attitudes, which in turn influence them to make better financial decisions and manage their personal finances more effectively. On the other hand, students who lack financial literacy or have negative financial attitudes are more likely to engage in poor financial behavior like overspending, not saving enough, and managing their debt in an unhealthy way.
Pengaruh Tingkat Pendapatan dan Gaya Hidup Hedonisme terhadap Kualitas Pengelolaan Keuangan Pribadi Generasi Z di kota Makassar Hikmayani Subur; Wahyu Muh. Syata
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 1 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN 
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i1.4955

Abstract

This study aims to analyze the influence of income level and hedonistic lifestyle on the quality of personal financial management of Generation Z in Makassar City. The research method is a quantitative approach with data collection techniques through surveys and questionnaires to Generation Z in Makassar City using 100 samples with multiple linear regression data analysis techniques. The results of the study indicate that income level has a positive effect on the quality of personal financial management because the higher the income, the higher the ability of Generation Z to manage personal finances flexibly and more stably. The hedonistic lifestyle on the quality of personal financial management of Generation Z shows a pattern that tends to be negative, where the increasing tendency of hedonism will have an impact on the decreasing ability to manage finances effectively if done excessively, so training and education are recommended for both aspects related to understanding and financial management skills, so that Generation Z is able to balance lifestyle with financial responsibility in order to achieve personal economic stability in the future.
Peran Kebijakan Moneter Terhadap Pertumbuhan Ekonomi Nasional Wahyu Muh. Syata; Hikmayani Subur
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i2.5094

Abstract

This research examines the impact of monetary policy on Indonesia's national economic growth through a qualitative approach using the literature study method. The main focus is to analyze the effectiveness of the monetary policy instruments used by Bank Indonesia, namely the benchmark interest rate (BI-7 Day Reverse Repo Rate), open market operations (OMO), and minimum reserve requirements in creating macroeconomic stability. The research results show that monetary policy plays a vital role in influencing national economic growth, but its effectiveness is affected by various external and internal factors. Expectations of economic actors, global macroeconomic conditions, domestic economic structure, and alignment with fiscal policy are determining factors for the success of monetary policy. Research also reveals that the management of the money supply and appropriate interest rates can encourage investment, increase consumption, and create jobs that play a crucial role in sustainable economic growth. To achieve optimal results, Bank Indonesia needs to implement monetary policy with balance and precision, and coordinate with the government's fiscal policy.
Peran Manajemen Keuangan Pribadi Terhadap Kesejahteraan Finansial Melalui Financial Technology Sri Utami; Hikmayani Subur
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 2 (2025): April-Juni 2025
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/zhfhxw16

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh manajemen keuangan pribadi terhadap kesejahteraan finansial dengan memfokuskan pada peran Financial Technology. Menggunakan pendekatan kuantitatif, penelitian ini melibatkan 100 responden dari mahasiswa Fakultas Ekonomi Universitas Negeri Makassar dengan metode purposive sampling. Pengumpulan data dilakukan melalui kuesioner online, dan analisis data dilakukan menggunakan Structural Equation Modeling-Partial Least Squares (PLS-SEM) melalui aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa manajemen keuangan pribadi berpengaruh positif dan signifikan terhadap kesejahteraan finansial, baik secara langsung maupun tidak langsung melalui Financial Technology. Temuan ini juga mengonfirmasi bahwa Financial Technology berperan sebagai mediator yang memperkuat hubungan antara manajemen keuangan pribadi dan kesejahteraan finansial. Dengan demikian, penelitian ini diharapkan dapat memberikan gambaran yang lebih komprehensif mengenai pentingnya literasi keuangan dan pemanfaatan teknologi keuangan dalam upaya meningkatkan kondisi finansial mahasiswa.
LITERASI KEUANGAN TERHADAP KINERJA BISNIS PADA UMKM MELALUI ENTREPRENEUR MINDSET Septiannisa Paramita; Hikmayani Subur
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 11 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i12.7517

Abstract

This study aims to examine the influence of financial literacy on the business performance of Micro, Small, and Medium Enterprises (MSMEs), with the entrepreneur mindset as a mediating variable. Financial literacy is defined as a strategic skill in financial management, investment optimization, and business risk mitigation, while the entrepreneur mindset serves as a key driver in fostering innovation, bold decision-making, and risk adaptation. Using a qualitative research method through in-depth interviews with five MSME actors in Rappocini District, Makassar City, the study reveals that adequate financial literacy positively contributes to financial management, operational efficiency, and business growth. The entrepreneur mindset is found to strengthen the relationship between financial literacy and business performance, particularly in aspects of innovation, strategic decision-making, risk tolerance, and leadership ability. These findings highlight the importance of integrating financial literacy and entrepreneurial mindset in building resilient and competitive MSMEs in the digital era. The study also recommends the development of financial education programs and entrepreneur mindset training based on the actual needs of MSMEs as a strategy to enhance national competitiveness.
Analisis Faktor-Faktor yang Mempengaruhi Pengelolaan Keuangan Pribadi Mahasiswa Hikmayani Subur; Septiannisa Paramita
Indonesia Economic Journal Vol. 1 No. 2 (2025): DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/4ae02215

Abstract

This study aims to analyze the factors influencing personal financial management among students at the Faculty of Economics and Business, Makassar State University. Using a descriptive qualitative approach, data were collected through in-depth interviews, non-participatory observation, and documentation from 12 purposively selected informants. Thematic analysis revealed five main factors influencing students' financial behavior: financial literacy, a consumptive lifestyle, limited income, social influences, and mindsets about money. Although students have a basic understanding of financial concepts such as recording expenses and budgeting, their application is often hampered by a lack of discipline, social pressure, and consumptive habits influenced by digital media and peer groups. Limited income also hinders the ability to plan long-term finances, leading some students to experience financial stress and unstable financial behavior. Furthermore, mindsets about money have been shown to shape students' financial decisions, with a positive mindset increasing the likelihood of wiser financial behavior. These findings emphasize the importance of applicable financial literacy education, strengthening self-control, and developing a healthy financial mindset to improve the quality of students' personal financial management.
Co-Authors Abdul Rajab Andi Tenri Ampa Muhammad Ilyas Thamrin Tahir Nurjannah Nurjannah Ratna S Septiannisa Paramita SRI UTAMI Sulolipu, Andi Annisa Tadampali, Andi Caezar To Wahyu Muh Syata