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All Journal Jurnal Manajemen Jurnal Ilmu Ekonomi dan Pembangunan Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Review Pendidikan dan Pengajaran (JRPP) Social, Humanities, and Educational Studies (SHEs): Conference Series Kumawula: Jurnal Pengabdian Kepada Masyarakat Jurnal Keuangan dan Perbankan(KEBAN)
Rosdaliva, Mehilda
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Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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PENINGKATAN LITERASI LEMBAGA KEUANGAN PADA PELAKU UMKM DI KAMPUNG WISATA BALUWARTI KOTA SURAKARTA Martini, *Endang; Ayuninggar, Lintang; Damayanti, Rosita Mei; Pramesti, Diah; Rosdaliva, Mehilda; Yulianti, Deva Putri; Prameswary, Melinda Intan; Ambarwati, Valents Carollina Yuliani
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 3 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i3.48824

Abstract

 Sektor keuangan memanfaatkan perkembangan teknologi dengan melakukan inovasi berupa FinTech, yaitu inovasi dengan konsep digitalisasi pembayaran. FinTech terdiri dari P2P lending atau sering disebut pinjaman online, membuat pelaku pelaku usaha kecil dan menengah tertarik menggunakan layanan tersebut. Inovasi tersebut tidak dibarengi dengan pemahaman mengenai literasi lembaga keuangan khususnya pelaku usaha kecil dan menengah menyebabkan terjadinya 19,711 kasus pinjaman online illegal. Kegiatan pengabdian masyarakat bertujuan memberi pemahaman kepada pelaku usaha kecil dan menengah mengenai literasi lembaga keuangan. Dengan metode sosialisasi terkait dengan literasi lembaga keuangan kepada pelaku usaha kecil dan menengah di Kampung Wisata Baluwarti Kota Surakarta. Hasil kegiatan ini yaitu telah melakukan sosialisasi dan penyuluhan serta workshop dan pelatihan pengelolaan keuangan oleh tim pengabdian kepada masyarakat. Meskipun kegiatan ini telah selesai, tetapi monitoring dan evaluasi terus dilakukan secara berkelanjutan. The financial sector takes advantage of technological developments by innovating in the form of FinTech, namely innovation with the concept of digitizing payments. FinTech consists of P2P lending or often called online lending, making small and medium businesses interested in using the service. This innovation was not accompanied by an understanding of financial institution literacy, especially small and medium business actors, causing 19,711 cases of illegal online loans. Community service activities aim to provide understanding to small and medium business actors regarding financial institution literacy. Through the socialization method related to financial institution literacy to small and medium business actors in the Baluwarti Tourism Village, Surakarta City. The results of this activity were socialization and counseling as well as workshops and training on financial management by the community service team. Even though this activity has been completed, monitoring and evaluation continue to be carried out on an ongoing basis. 
Fundamental Analysis Based on Earnings Per Share on Divident Payout Ratio to Determine the Prospects of Stock Investment in The Retail Sector Rosdaliva, Mehilda; Juniyanto, Arfian Nur
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.8303

Abstract

This study aimed to obtain a more specific and comprehensive explanation of fundamental analysis based on the EPS to DPR ratio in order to determine the prospects for stock investment in retail sub-sector companies. It was expected that readers or investors would gain knowledge and comprehension from the results of this study in order to facilitate their ability to analyze stocks using fundamental analysis in the form of EPS ratio and DPR. The methods used in this study were literature study and observation. Moreover, the data analysis techniques used were in the form of quantitative descriptive analysis and simple linear regression analysis. Furthermore, the financial reports of the stock issuers of MIDI, AMRT, RALS, MYOR, ACES, and CSAP for the 2016–2021 data period were the secondary data sources in this study. The results of this study demonstrated a positive and significant relationship between the impact of variable X (EPS) and variable Y (DPR). Moreover, these results suggested that the EPS and DPR values are strongly associated with determining the future prospects for stock investment in the retail sector. In addition, as a result of the EPS value increase, the DPR value will also experience a significant increase, thereby increasing stock prices and indicating good prospects for growth in stock investment. Therefore, this study may be used as a suggestion for BNI Sekuritas Yogyakarta to encourage customers or investors to invest in stocks in the retail sector, especially MIDI, AMRT, RALS, MYOR, ACES, and CSAP stocks
Fundamental Analysis Based on Earnings Per Share on Divident Payout Ratio to Determine the Prospects of Stock Investment in The Retail Sector Rosdaliva, Mehilda; Juniyanto, Arfian Nur
Jurnal Keuangan dan Perbankan (KEBAN) Vol. 3 No. 1 (2023): Juli-Desember
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jkk.v3i1.8303

Abstract

This study aimed to obtain a more specific and comprehensive explanation of fundamental analysis based on the EPS to DPR ratio in order to determine the prospects for stock investment in retail sub-sector companies. It was expected that readers or investors would gain knowledge and comprehension from the results of this study in order to facilitate their ability to analyze stocks using fundamental analysis in the form of EPS ratio and DPR. The methods used in this study were literature study and observation. Moreover, the data analysis techniques used were in the form of quantitative descriptive analysis and simple linear regression analysis. Furthermore, the financial reports of the stock issuers of MIDI, AMRT, RALS, MYOR, ACES, and CSAP for the 2016–2021 data period were the secondary data sources in this study. The results of this study demonstrated a positive and significant relationship between the impact of variable X (EPS) and variable Y (DPR). Moreover, these results suggested that the EPS and DPR values are strongly associated with determining the future prospects for stock investment in the retail sector. In addition, as a result of the EPS value increase, the DPR value will also experience a significant increase, thereby increasing stock prices and indicating good prospects for growth in stock investment. Therefore, this study may be used as a suggestion for BNI Sekuritas Yogyakarta to encourage customers or investors to invest in stocks in the retail sector, especially MIDI, AMRT, RALS, MYOR, ACES, and CSAP stocks
PENGELOLAAN DAN PENGEMBANGAN USAHA TELUR ASIN DAN KERIPIK BELUT DI KABUPATEN KLATEN Cahyadin, Malik; Rosdaliva, Mehilda; Ayuninggar, Lintang
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 5 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i5.1858-1866

Abstract

Usaha telur asin dan keripik belut telah dijalankan di Kecamatan Gantiwarno Kabupaten Klaten. Kedua usaha ini telah mampu berkontribusi terhadap perekonomian desa dan daerah untuk mendorong perkembangan usaha mikro-kecil dan penyerapan beberapa tenaga kerja di tingkat desa. Oleh sebab itu, kegiatan pengabdian masyarakat ini bertujuan untuk melatih dan memfasilitasi kedua pelaku usaha dalam pengelolaan dan pengembangan usaha selama bulan Mei-Agustus 2023. Metode partisipatoris diterapkan untuk mendorong peran aktif para pelaku usaha. Tiga kegiatan telah dilaksanakan terdiri atas pendampingan perencanaan dan pengembangan usaha, pelatihan pencatatan keuangan usaha menggunakan aplikasi SI APIK, dan pendampingan pemasaran online melalui media sosial. Hasil kegiatan pengabdian masyarakat ini adalah bahwa mitra pelaku usaha lebih mampu merencanakan dan mengembangkan usaha secara sistematis, pencatatan transaksi keuangan menggunakan SI APIK, dan metode pemasaran online melalui beberapa media sosial telah diterapkan. Oleh sebab itu, para pelaku usaha diharapkan dapat memanfaatkan beberapa pelatihan dan pendampingan usaha yang telah diperoleh untuk meningkatkan kinerja usaha. Selain itu, pemerintah daerah dapat lebih aktif memfasilitasi pengembangan usaha mikro dan kecil di Kabupaten Klaten.
Bahasa Inggris Ayuninggar, Lintang; Pramest, Diah; Damayanti, Rosita Mei; Martin, Endang; Rosdaliva, Mehilda
Jurnal Manajemen Vol. 13 No. 2 (2023): JURNAL MANAJEMEN VOL. 13 NO. 2 DESEMBER 2023
Publisher : Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/jm.v13i2.4234

Abstract

Micro, small and medium enterprises in Indonesia run and managed mostly in traditional and conventional administration due to the limited digital literation and organizational management knowledge of the MSMEs. However, some of these MSMEs are scaling up by implementing management procedure and digital system. They carry out human resource practice into their operation along with digital system into their routine. The development is driven mainly by the new environment brought by the COVID-19 pandemic which force business entities to be ready for digital operation. This study examines the effect of digital readiness in moderating the relationship of human resource management practice and MSME’s performance. We surveyed 357 MSMEs in various fields, including culinary, clothing, crafts, and services through questionnaire to collect the data. As predicted, digital readiness moderates the relationship between human resource management practice and MSME’s organizational performance. However, the moderation effect is not as expected. Data suggests digital readiness negatively moderates the relationship of human resource management practice and MSME’s organizational performance.
DAMPAK FINTECH PADA KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI ERA DIGITAL Rosdaliva, Mehilda
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 4 (2024): Special Issue Vol. 7 No. 4 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i4.37146

Abstract

Penelitian ini bertujuan untuk menganalisis dampak fintech terhadap kinerja keuangan bank syariah dan bank konvensional di era digital. Seiring dengan pesatnya perkembangan teknologi keuangan, baik bank syariah maupun bank konvensional dihadapkan pada tantangan dan peluang yang ditimbulkan oleh inovasi fintech, yang mencakup layanan pembayaran digital, pinjaman peer-to-peer, dan platform investasi berbasis teknologi. Penelitian ini menggunakan metode studi literatur dengan mengkaji berbagai referensi yang relevan terkait implementasi fintech dalam sektor perbankan. Hasil penelitian menunjukkan bahwa fintech memberikan dampak positif terhadap profitabilitas dan efisiensi operasional bank konvensional, yang dapat mengurangi biaya operasional dan meningkatkan jangkauan pasar. Di sisi lain, bank syariah menghadapi tantangan dalam memastikan bahwa layanan fintech yang diterapkan tetap sesuai dengan prinsip syariah, meskipun ada potensi peningkatan daya saing dan inovasi produk. Bank syariah perlu lebih hati-hati dalam mengembangkan produk fintech untuk menjaga kesesuaian dengan regulasi dan norma-norma syariah. Penelitian ini menyimpulkan bahwa fintech menawarkan peluang besar bagi kedua jenis bank untuk meningkatkan kinerja keuangan mereka, namun diharapkan adanya strategi adaptasi yang tepat agar keduanya dapat memaksimalkan potensi teknologi ini.
A STRATEGIC ROLE OF BPRS SRAGEN IN ENHANCING REGIONAL INCOME AND SUSTAINABLE FINANCE Rosdaliva, Mehilda; Pramesti, Diah; Damayanti, Rosita Mei; Martini, Endang
Jurnal Ilmu Ekonomi dan Pembangunan Vol 26, No 1 (2026): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jiep.v26i1.117305

Abstract

Sharia Rural Banks (BPRS) as Regionally-Owned Enterprises face the dual challenge of maximizing dividend contributions to Regional Original Revenue (PAD) while maintaining long-term financial sustainability. BPRS Sragen, 80.42% owned by the Sragen Regency Government, presents a strategic case for examining how regional Islamic financial institutions can optimize this dual role. This study aims to: (1) analyze ROI trends of BPRS Sragen from 2009 to 2024 as a measure of regional capital management efficiency; (2) identify internal and external strategic factors through SWOT analysis; (3) evaluate the pentahelix collaboration model involving government, academia, business, community, and media; and (4) assess the implementation of Net-Zero Bank principles as a sustainability commitment. A qualitative descriptive-analytical approach with a single case study strategy was employed. Quantitative secondary data from BPRS Sragen financial reports (2009–2024) were analyzed for ROI trends. Primary qualitative data were collected through semi-structured in-depth interviews with purposively selected informants, triangulated with internal documents and non-participant observation. Qualitative data were analyzed using Miles, Huberman, and Saldaña's interactive model. Findings indicate a consistent positive ROI trend over 16 years with dividend contributions exceeding regional targets. SWOT analysis reveals competitive strengths in local customer loyalty and government support, offset by threats from digital financial competition. Pentahelix collaboration is partially operational, with significant untapped potential in academic and media dimensions. Net-Zero Bank implementation remains nascent but aligns with Maqasid al-Shariah values. The convergence of financial efficiency, strategic planning, multi-stakeholder collaboration, and sustainability commitment positions BPRS Sragen as a replicable model for regional Islamic financial institutions. This integrative framework offers practical policy implications for BPRS governance reform across Indonesian regions, particularly in optimizing PAD contributions without sacrificing long-term sustainability.
Peningkatan Literasi dan Edukasi Perencanaan Keuangan dalam Keluarga dalam Upaya Preventif Masalah Keuangan Martini, Endang; Damayanti, Rosita Mei; Pramesti, Diah; Rosdaliva, Mehilda; Ayuninggar, Lintang; Safira, Laras; Anggraini, Viona Mega; Saputri, Saifa Syah Aris; Kumalaningrum, Vania Debby; Sukmawan, Cesar Adhin
Social, Humanities, and Educational Studies (SHES): Conference Series Vol 8, No 3 (2025): Social, Humanities, and Educational Studies (SHEs): Conference Series
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/shes.v8i3.107282

Abstract

Financial planning within the family is essential for achieving long-term financial stability and sustainability. Through effective planning, families can manage their income wisely, minimize financial risks, and ensure the fulfillment of future needs. This community service program aims to enhance family financial literacy, focusing on the prevention of financial problems and the development of skills to manage household finances more efficiently and effectively.The methods applied in this program included awareness-building sessions, training, and direct assistance to the members and leaders of the Family Welfare Empowerment (PKK) group in RW 12, Gentan Village, Baki District, Sukoharjo Regency. Participants were trained in recording, archiving, and documenting their financial transactions. The results of the program indicated that most participants had not yet adopted structured family financial planning. Many still struggled with debt issues and were unaccustomed to saving regularly. Nevertheless, participants expressed high enthusiasm and acknowledged that the training provided valuable insights and benefits in improving their household financial management.Perencanaan keuangan dalam keluarga penting untuk mencapai kestabilan dan keberlanjutan finansial jangka panjang. Melalui perencanaan yang efektif, keluarga dapat mengelola pendapatan dengan bijaksana, mengurangi risiko finansial, serta memastikan pemenuhan kebutuhan di masa depan. Tujuan program pengabdian kepada masyarakat ini adalah untuk meningkatkan literasi keuangan keluarga, dengan fokus pada pencegahan masalah keuangan serta pengembangan kemampuan dalam mengelola keuangan keluarga secara lebih efisien dan efektif. Metode yang diterapkan dalam kegiatan ini mencakup sosialisasi pengarahan, pelatihan, dan pendampingan langsung kepada pengurus dan anggota PKK di RW 12, Kelurahan Gentan, Kecamatan Baki, Kabupaten Sukoharjo. Peserta dilatih untuk melakukan pencatatan, pengarsipan, dan dokumentasi transaksi keuangan mereka. Hasil dari pelaksanaan kegiatan ini menunjukkan bahwa mayoritas peserta belum menerapkan perencanaan keuangan keluarga, sebagian besar masih menghadapi permasalahan utang dan belum terbiasa menabung. Meskipun demikian, peserta menunjukkan antusiasme yang tinggi dan mengungkapkan bahwa pelatihan ini memberikan pengetahuan dan manfaat dalam meningkatkan pengelolaan perencanaan keuangan keluarga. .
Literasi Keuangan dan Perilaku Perencanaan Keuangan Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo Pramesti, Diah; Martini, Endang; Damayanti, Rosita Mei; Rosdaliva, Mehilda; Ayuninggar, Lintang
Social, Humanities, and Educational Studies (SHES): Conference Series Vol 8, No 3 (2025): Social, Humanities, and Educational Studies (SHEs): Conference Series
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/shes.v8i3.107261

Abstract

This study aims to examine financial literacy and financial planning behavior among housewives in Kelurahan Gentan, Baki, Sukoharjo. A survey conducted by the Financial Services Authority (OJK) indicates that financial literacy among housewives remains lower than financial inclusion, which may influence household financial planning. This research adopts a descriptive quantitative approach, utilizing primary data collected through questionnaires. The study population comprises housewives residing in Kelurahan Gentan, Baki, Sukoharjo, with a sample of 85 respondents selected using random sampling. The data were analyzed using descriptive statistics. The findings reveal financial literacy through behaviors such as saving, borrowing from financial institutions, and investing. However, there are inconsistencies in expense recording and a lack of investment activity. Although financial planning is generally practiced, it remains inconsistent. These findings highlight the importance of empowerment and mentoring programs for women, particularly housewives, in financial management.Penelitian ini bertujuan untuk mengetahui literasi keuangan dan perilaku perencanaan keuangan pada Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Survey OJK menunjukkan literasi keuangan pada Ibu Rumah Tangga masih lebih rendah dibandingkan inklusinya, sehingga dapat berpengaruh pada perencanaan keuangan keluarga. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan sumber data primer yang diperoleh menggunakan kuesioner. Populasi dari penelitian adalah Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Sampel sebanyak  85 orang dengan metode random sampling dengan teknik analisis menggunakan statistik deskriptif. menunjukkan literasi keuangan dari perilaku menabung, meminjam uang dari lembaga keuangan dan melakukan investasi. Namun, masih terdapat pencatatan pengeluaran yang belum konsisten, serta belum melakukan investasi. Perencanaan keuangan keluarga sendiri sudah banyak dilakukan namun belum konsisten. Hal ini memberikan gambaran pentingnya program pemberdayaan dan pendampingan perempuan, khususnya Ibu Rumah Tangga dalam pengelolaan keuangan.
Co-Authors Ambarwati, Valents Carollina Yuliani Anggraini, Viona Mega Ayuninggar, Lintang Damayanti, Rosita Mei Endang Martini Juniyanto, Arfian Nur Kumalaningrum, Vania Debby Malik Cahyadin Martin, Endang Pramest, Diah Pramesti, Diah Prameswary, Melinda Intan Safira, Laras Saputri, Saifa Syah Aris Sukmawan, Cesar Adhin Yulianti, Deva Putri