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Budidaya Rimpang, Pembukuan Sederhana dan Pemasaran Digital Usaha Jamu Rimpang Segar Maromon, Eltina; Rupidara, Anggreini Dian Naomi; Makatita, Reyner Frengky; Jonathans, Peggy Magdalena
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1.1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE
Publisher : Lembaga Dongan Dosen

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Program Pemberdayaan Ibu Rumah Tangga (IRT) yang dimulai sejak tahun 2023 bagi kaum perempuan Desa Oelnasi melalui usaha jamu rimpang segar. IRT diuntungkan dengan usaha ini karena mampu meningkatkan taraf hidup ekonomi rumah tangga. Untuk menekan biaya pengeluaran komponen jamu rimpang segar seperti jahe merah, kencur, dan temulawak di pasar tradisional, maka dilakukan TOGA (Budidaya Tanaman Obat Keluarga). Sementara itu, pembukuan dasar dilakukan untuk usaha kelompok agar mitra dapat memisahkan keuangan antara keuangan pribadi dan keuangan usaha kelompok. Selanjutnya, industri pemasaran yang selama ini memanfaatkan Facebook, WhatsApp, TikTok, dan media sosial berkembang dengan mendapatkan dukungan dan pelatihan pemasaran dari Shopee, sebuah marketplace daring. Metode pelaksanaan kegiatan menggunakan pendekatan Participatory Rural melalui Focus Group Discussion (FGD) dan Participatory Modeling Mapping serta implementasinya yang terdiri dari empat tahap, yaitu sosialisasi, pelatihan atau simulasi, pendampingan, dan evaluasi. Hasil kegiatan menunjukkan bahwa mitra mampu membudidayakan tanaman rimpang yang dapat digunakan sebagai bahan baku jamu rimpang segar. Mitra juga mampu membuat laporan pembukuan sederhana, kemudian memasarkan dan mengembangkan produknya di marketplace Shopee.
Overcoming Financial Management Hurdles in Southeast Asian Micro Businesses: Insights from a Literature Review Makatita, Reyner Frengky
JUSTBEST Journal of Sustainable Business and Management Vol. 4 No. 2 (2024): Journal of Sustainable Business and Management
Publisher : Global Researcher Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52432/justbest.4.2.64-78

Abstract

Micro businesses are a vital component of Southeast Asia’s economy, contributing significantly to employment and poverty reduction. However, these businesses face several financial management challenges that hinder their growth and sustainability. This literature review examines the financial management hurdles faced by micro businesses in Southeast Asia, focusing on challenges such as poor financial literacy, limited access to finance, inadequate cash flow management, and the lack of formal financial systems. It also explores potential solutions to these challenges, including improving financial literacy, increasing access to affordable finance, and promoting the use of digital financial tools. While financial management practices vary across countries in Southeast Asia, micro business owners consistently face barriers that limit their ability to manage resources effectively. The review suggests that improving financial literacy through targeted education programs and enhancing access to formal financial services are key to addressing these issues. Additionally, the role of digital technologies in streamlining financial management practices is explored, highlighting the importance of promoting digital inclusion for micro businesses. This review contributes to the understanding of financial management challenges in micro businesses and provides insights for policymakers, financial institutions, and development organizations to support the growth and sustainability of micro enterprises in Southeast Asia.
PERAN MEDIASI MENTAL ACCOUNTING DALAM HUBUNGAN ANTARA FINANCIAL KNOWLEDGE DAN FINANCIAL SELF-EFFICACY TERHADAP FINANCIAL BEHAVIOR Desy Geriadi, Made Ayu; Marini, Putu Lidia; Makatita, Reyner Frengky
Jurnal Ilmiah Satyagraha Vol. 8 No. 2 (2025): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

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Abstrak – Penelitian ini bertujuan untuk menganalisis pengaruh financial knowledge dan financial self-efficacy terhadap financial behavior dengan mental accounting sebagai variabel mediasi pada mahasiswa di Kota Denpasar. Latar belakang penelitian ini didasarkan pada pentingnya pengelolaan keuangan yang baik di kalangan mahasiswa sebagai kelompok usia produktif yang mulai menghadapi tanggung jawab finansial secara mandiri. Pendekatan kuantitatif digunakan dalam penelitian ini, dengan teknik analisis data menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM).Pengumpulan data dilakukan melalui survei terhadap 160 mahasiswa aktif dari beberapa perguruan tinggi di Kota Denpasar yang memenuhi kriteria tertentu. Hasil penelitian menunjukkan bahwa financial knowledge dan financial self-efficacy berpengaruh positif dan signifikan terhadap financial behavior. Selain itu, mental accounting juga terbukti memiliki pengaruh langsung terhadap financial behavior dan memediasi hubungan antara variabel independen (financial knowledge dan financial self-efficacy) dengan financial behavior. Temuan ini menegaskan pentingnya aspek kognitif dan psikologis dalam membentuk perilaku keuangan mahasiswa. Implikasi dari penelitian ini menyarankan agar program edukasi keuangan di perguruan tinggi tidak hanya menekankan pada peningkatan pengetahuan, tetapi juga penguatan efikasi diri dan pengembangan keterampilan mental accounting guna menciptakan perilaku finansial yang sehat dan berkelanjutan. Kata kunci: financial knowledge, financial self-efficacy, mental accounting, financial behavior.   Abstract – This study aims to analyze the influence of financial knowledge and financial self-efficacy on financial behavior, with mental accounting as a mediating variable, among undergraduate students in Denpasar City. The background of this research lies in the importance of sound financial management among university students, who are transitioning into financial independence. This study employs a quantitative approach and uses Partial Least Squares Structural Equation Modeling (PLS-SEM) for data analysis. Data were collected through a survey of 160 active undergraduate students from several universities in Denpasar, selected using purposive sampling. The results indicate that both financial knowledge and financial self-efficacy have a significant positive effect on financial behavior. Mental accounting also shows a direct positive effect on financial behavior and mediates the relationship between the independent variables (financial knowledge and financial self-efficacy) and financial behavior. These findings highlight the crucial role of cognitive and psychological factors in shaping students’ financial behavior.The study suggests that financial education programs in universities should not only focus on increasing knowledge but also on strengthening financial self-efficacy and developing mental accounting strategies to foster healthy and sustainable financial behaviors.   Keywords: financial knowledge, financial self-efficacy, mental accounting, financial behavior, university students