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All Journal Jurnal Manajemen Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Review Pendidikan dan Pengajaran (JRPP) 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.
Co-Authors Ambarwati, Valents Carollina Yuliani Ayuninggar, Lintang Damayanti, Rosita Mei Endang Martini Juniyanto, Arfian Nur Malik Cahyadin Martin, Endang Pramest, Diah Pramesti, Diah Prameswary, Melinda Intan Yulianti, Deva Putri