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Ayu, Aisah Citra
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Humanities Economics, Econometrics & Finance

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FINANCIAL EDUCATION FOR CHILDREN IN GONGSOL VILLAGE: INSTILLING THE IMPORTANCE OF SAVING EARLY Ayu, Aisah Citra; Afandi, Ahmad
Journal of Social Comunity Services Vol. 1 No. 3 (2024): Journal of Social Comunity Services (JSCS)
Publisher : Antis-publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/jscs.v1i3.193

Abstract

General Background: Financial literacy is essential for developing responsible financial behaviors, particularly when introduced at an early age. Specific Background: In Gongsol Village, financial education programs targeting children aim to instill the importance of saving and financial management from a young age. Knowledge Gap: However, financial literacy initiatives specifically designed for children in rural communities remain limited, and their long-term effectiveness has not been thoroughly explored. Aims: This study evaluates the implementation of a financial education program that focuses on basic financial concepts, such as the distinction between needs and wants, managing pocket money, and saving practices. Results: The program engaged children through interactive educational activities, with 100% of participants expressing a clear understanding of the materials and a desire to continue their financial education. Additionally, the children demonstrated improved awareness of the value of saving and financial planning. Novelty: This program highlights a tailored approach to rural financial education, effectively bridging the gap in early financial literacy initiatives in underserved areas. Implications: The program’s success indicates the potential for similar interventions in other rural areas, promoting financial discipline and preparing future generations to face economic challenges with greater competence. Further research could explore the long-term impact of such education on financial behavior.
Analysis of the Influence of Financial Ratios on Profitability in Islamic Commercial Banks in the Period 2018-2023 Ayu, Aisah Citra; Amsari, Syahrul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6475

Abstract

The purpose of this study is to analyze the profitability of Islamic commercial banks from 2018 to 2023 using various financial parameters. The analysis methodology used in this study is multiple linear regression analysis, which is one of the associative quantitative techniques. Using SPSS software, a purposive sampling strategy is used for the sampling procedure. In this study, a total of fifteen Islamic commercial banks became the population, with nine of these institutions being samples that met all the requirements. This study found that between 2018 and 2023, the profitability of Islamic commercial banks was significantly affected simultaneously by the capital adequacy ratio (CAR), non-performing loans (NPF), and financing ratio (FDR) factors on profitability. Profitability in this study was not partially affected by several of these factors.
Co-Authors Ahmad Afandi Amsari, Syahrul