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All Journal Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal Software, Hardware and Information Technology Jurnal IPTEK Bagi Masyarakat Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat The Eastasouth Management and Business
Astuti, Bela
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mechanical Engineering Physics Public Health Social Sciences

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Meningkatkan Keterampilan Keuangan Pribadi Melalui Pelatihan Keuangan Sederhana Pada Siswa SMK Negeri 1 Kisaran Astuti, Bela; Nurhasanah, Nurhasanah; Julianda, Nirda; Salina, Ella; Sinaga, Nursani Sahuri
Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Vol 8, No 1 (2025): Januari 2025
Publisher : STMIK Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurdimas.v8i1.3644

Abstract

Personal finance skills are one of the important competencies that young people need to have in facing future economic challenges, given the increasingly complex global financial dynamics and the need to be able to manage resources effectively in order to survive and thrive amid economic uncertainty. However, the level of financial literacy among vocational high school (SMK) students is still relatively low, as reflected in the results of the National Survey on Financial Literacy and Inclusion by OJK (2019) which shows that only 38.03% of Indonesians have adequate financial literacy, including among students. Of the 30 samples used by using the method of sharing, discussion, and case studies on each student, many were still found to be unable to manage their finances. This financial training has succeeded in providing a basic understanding of good financial management to students of SMK Negeri 1 Kisaran. Through the material presented, students can apply the knowledge gained in their daily lives, from managing expenses, saving, to planning for the future.Keywords: financial literacy; financial skills; training vocational high school students Abstrak: Keterampilan keuangan pribadi merupakan salah satu kompetensi penting yang perlu dimiliki oleh generasi muda dalam menghadapi tantangan ekonomi di masa depan, mengingat semakin kompleksnya dinamika keuangan global dan kebutuhan untuk dapat mengelola sumberdaya secara efektif agar dapat bertahan dan berkembangan di tengah ketidakpastian ekonomi. Namun, tingkat literasi keuangan di kalangan siswa sekolah menengah kejuruan (SMK) masih tergolong rendah, sebagaimana tercermin dalam hasil Survei Nasional Literasi dan Inklusi Keuangan oleh OJK (2019) yang menunjukkan bahwa hanya 38,03% masyarakat Indonesia yang memiliki literasi keuangan yang memadai, termasuk di kalangan pelajar. Kegiatan ini dilakukan oleh team dosen universitas royal dimana sampelnya sebanyak 30 orang yang merupakan siswa Sekolah Menengah Kejurusan Negeri 1 Kisaran dalam penyampaian materi digunakan dengan menggunakan metode sharing, diskusi, dan studi kasus pada masing-masing siswa.  Pelatihan keuangan memberikan pemahaman dasar tentang pengelolaan keuangan yang baik kepada siswa SMK Negeri 1 Kisaran. Melalui materi yang disampaikan, siswa dapat menerapkan ilmu yang diperoleh dalam kehidupan sehari-hari, mulai dari mengatur pengeluaran, menabung, hingga merencanakan masa depan.Kata Kunci: Keterampilan keuangan; literasi keuangan; pelatihan siswa SMK, pengelolaan keuangan pribadi
PENGARUH STRUKTUR MODAL, PROFITABILITAS, PERTUMBUHAN PERUSAHAAN DAN DEBT RATIO TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN KEUANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Astuti, Bela
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 1 (2025): February 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i1.2658

Abstract

Abstract: This study was conducted to examine the effect of Capital Structure (X1), Profitability (X2), Company Growth (X3), and Debt Ratio (X4) on Firm Value (Y), with the research object being financial companies listed on the Indonesia Stock Exchange from 2020 to 2024. The population of this study consists of companies consistently classified in the financial sector from 2020 to 2024, having complete financial statements for the 2020-2024 period, and not experiencing losses during this period. Data analysis was carried out using multiple linear regression analysis with EViews software. The test results indicate that Capital Structure has no significant effect on Firm Value, Profitability has a positive and significant effect on Firm Value, Company Growth has a positive and significant effect on Firm Value, and Debt Ratio does not have a positive and significant effect on Firm Value. Collectively, Capital Structure, Profitability, Company Growth, and Debt Ratio have a significant effect on Firm Value. Keywords: Capital Structure; Profitability; Company Growth; Debt Ratio; Firm Value. Abstrak: Penelitian ini dilakukan untuk mengetahui pengaruh Struktur Modal (X1), Profitabilitas (X2), Pertumbuhan Perusahaan (X3), dan Debt Ratio (X4) terhadap Nilai Perusahaan (Y) dengan objek penelitian adalah perusahaan keuangan yang terdaftar di Bursa Efek Indonesia 2020-2024. Populasi dalam penelitian ini adalah perusahaan yang termasuk dalam sektor keuangan secara konsisten 2020-2024, memiliki laporan keuangan lengkap dari 2020-2024, dan tidak mengalami kerugian selama periode 2020-2024, analisis data menggunakan analisis linear berganda menggunakan sofware Eviews. Hasil pengujian ini menunjukkan bahwa Struktur modal tidak berpengaruh positif dan signifikan terhadap nilai perusahaan, Profitabilitas berpengaruh positif dan signifikan terhadap nilai perusahaan, pertumbuhan perusahaan berpengaruh positif dan signifikan terhadap nilai perusahaan, dan Debt Ratio tidak berpengaruh positif dan signifikan terhadap nilai perusahaan, dan secara bersama-sama struktur modal, profitabilitas, pertumbuhan perusahaan dan debt ratio berpengaruh signifikan terhadap nilai perusahaan. Kata kunci: Struktur Modal; Profitabilitas; Pertumbuhan Perusahaan; Debt Ratio; Nilai Perusahaan.
Perancangan Website Pemesanan Event Organizer Ulang Tahun CV. Alinea Birthday Club khodijah, zaitun; Astuti, Bela; Wicaksana, Muhamad Dwi Cahya; Firmansyah, Muhamad Rehan; Assobry, Muhammad Habib; Zidan, Zidan; Ramadani, Ahmad; Endraswari, Putri Mentari
Journal Software, Hardware and Information Technology Vol 5 No 1 (2025)
Publisher : Jurusan Sistem Informasi Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/shift.v5i1.158

Abstract

In the current era of globalization, technology and communication are developing rapidly so that everything is practical and fast. Modern technology offers an online ordering system. However, there are still event organizers, especially in the Pangkalpinang area, whose systems are still manual. In general, consumers have to make a date first to order an event organizer. Based on the discussion above, the aim of the author's research is to create an event organizer booking system using the Website-Based Waterfall Method. This is so that it can be accessed easily using a smartphone. Research data was collected by conducting interviews with event organizers and direct observation at the target location. This system design has 2 actors, namely the buyer and the admin. Based on the results of research and analysis carried out by the author, this waterfall development model provides a structured system framework for designing the development of an event organizer booking system
PENGARUH PENGETAHUAN KEUANGAN, SIKAP KEUANGAN, DAN KEPRIBADIAN TERHADAP PERILAKU MANAJEMEN KEUANGAN (STUDI KASUS PADA PELAKU UMKM KELAPA MUDA DI KISARAN) Astuti, Bela; Irawati, Novica; Nata, Andri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 3 (2025): August 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i3.4085

Abstract

Abstract: This study aims to determine the influence of Financial Knowledge (X1), Financial Attitude (X2), and Personality (X3) on Financial Management Behavior (Y), with the research subjects being young coconut MSME (Micro, Small, and Medium Enterprises) actors in Kisaran. The population in this study consisted of 150 respondents, with purposive sampling used to select a sample of 75 respondents. Data analysis was conducted using the Structural Equation Modeling – Partial Least Squares (SEM-PLS) method with the SmartPLS 4 software. The results show that Financial Knowledge does not have a positive and significant effect on Financial Management Behavior. Financial Attitude has a positive and significant effect on Financial Management Behavior. Personality has a positive and significant effect on Financial Management Behavior. Furthermore, Financial Knowledge, Financial Attitude. Keywords: Financial Knowledge; Financial Attitude; Personality; Financial Management Behavior. Abstrak: Penelitian ini dilakukan untuk mengetahui pengaruh Pengetahuan Keuangan (X1), Sikap Keuangan (X2), Dan Kepribadian (X3) terhadap Perilaku Manajemen Keuangan (Y) dengan objek penelitian adalah pelaku UMKM Kelapa Muda di Kisaran. Populasi dalam penelitian ini sebanyak 150 responden, kemudian dilakukan pemilihan responden dengan teknik purposive sampling sehingga sampel menjadi 75 responden. Analisis data menggunakan metode Structural Equation Modeling – Partial Least Squares (SEM-PLS) melalui perangkat lunak SmartPLS 4. Hasil Pengujian menunjukkan bahwa Pengetahuan Keuangan tidak berpengaruh positif dan signifikan terhadap Perilaku Manajemen Keuangan, Sikap Keuangan berpengaruh positif dan signifikan terhadap Perilaku Manajemen Keuangan, Kepribadian berpengaruh positif dan signifikan terhadap Perilaku Manajemen Keuangan. Kata kunci: Pengetahuan Keuangan; Sikap Keuangan ; Kepribadian; Perilaku Manajemen Keuangan.
PELATIHAN PEMANFAATAN DOMPET DIGITAL DALAM MENINGKATKAN KUALITAS MANAJEMEN KEUANGAN PADA SISWA MA AL-WASHLIYAH KISARAN Astuti, Bela; Apridonal M, Yori; Siddik, Mohd.; Nabila, Intan; Ramadhani, Putri Saskia
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol 5, No 1 (2025): April 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v5i1.3952

Abstract

Abstract: The training on the utilization of digital wallets to improve the quality of financial management is crucial in today’s digital era. While the use of digital wallets is becoming increasingly widespread, many students still lack a proper understanding of how to use them optimally and wisely to support their daily financial management. The training was conducted through lectures, interactive discussions, and hands-on practice with digital wallet applications. The training materials covered an introduction to digital wallets and basic financial planning strategies. The results of the activity indicated an improvement in students’ understanding and awareness of the importance of early financial management, as well as their ability to use financial technology to monitor and control expenses. This training is expected to serve as an initial step in shaping a financially literate younger generation that uses technology wisely.Keywords: digital wallet; financial management quality Abstrak: Pelatihan pemanfaatan dompet digital untuk meningkatkan kualitas manajemen keuangan ini penting di era digital saat ini, penggunaan dompet digital semakin meluas, namun masih banyak siswa yang belum memahami cara memanfaatkannya secara optimal dan bijak untuk mendukung pengelolaan keuangan sehari-hari. Pelatihan dilaksanakan melalui metode ceramah, diskusi interaktif, serta praktik langsung penggunaan aplikasi dompet digital. Materi pelatihan meliputi pengenalan dompet digital, strategi perencanaan keuangan sederhana. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan kesadaran siswa terhadap pentingnya manajemen keuangan sejak dini, serta kemampuan mereka dalam menggunakan teknologi keuangan untuk mengontrol pengeluaran. Pelatihan ini diharapkan dapat menjadi langkah awal dalam membentuk generasi muda yang melek finansial dan bijak dalam memanfaatkan teknologi. Kata kunci: dompet digital; kualitas manajemen keuangan; 
INOVASI TEKNOLOGI DALAM MENINGKATKAN KREATIVITAS WIRAUSAHA SISWA MAS AL-WASHLIYAH KISARAN Nasution, Akmal; Andri Nata, Andri Nata; Astuti, Bela
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol 5, No 1 (2025): April 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v5i1.3909

Abstract

Abstrak: In the digital era, integrating technology into entrepreneurship is essential for students at the Madrasah Aliyah Swasta (MAS) level. However, many lack the skills to apply digital tools in business. This community service program (PKM) aims to enhance students' entrepreneurial creativity at MAS Al-Washliyah Kisaran by improving their understanding and use of digital technology. The program focuses on training in digital marketing, app-based financial management, and product innovation using technology. Practical workshops were conducted to equip students with applicable skills. The outcomes include improved technological competence, the growth of student-led digital businesses, and the formation of a tech-based youth entrepreneurship community. The program results will be published in an accredited journal and public media, supporting students' long-term economic independence.Kata kunci: technology; creativity; entrepreneurship; digital; students.Abstract: Di era digital saat ini, integrasi teknologi dalam kewirausahaan menjadi hal penting bagi siswa Madrasah Aliyah Swasta (MAS). Namun, banyak siswa belum memiliki keterampilan dalam menerapkan teknologi digital dalam bisnis. Program Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan kreativitas wirausaha siswa MAS Al-Washliyah Kisaran melalui pemahaman dan pemanfaatan teknologi digital. Kegiatan difokuskan pada pelatihan pemasaran digital, manajemen keuangan berbasis aplikasi, dan inovasi produk berbasis teknologi. Pelatihan dilakukan secara praktis untuk membekali siswa dengan keterampilan aplikatif. Luaran program meliputi peningkatan kompetensi teknologi, tumbuhnya usaha digital siswa, serta terbentuknya komunitas wirausaha muda berbasis teknologi. Hasil kegiatan ini akan dipublikasikan dalam jurnal nasional terakreditasi dan media massa untuk mendukung kemandirian ekonomi siswa setelah lulus. Keywords: teknologi; kreativitas; wirausaha; digital; siswa
Peranan Media Sosial sebagai Sarana Komunikasi dan Informasi bagi Anggota Komite RA Al Fariq Irawati, Novica; Helmiah, Fauriatun; Astuti, Bela; Wulandari, Naiyla
Jurnal IPTEK Bagi Masyarakat Vol 5 No 1 (2025)
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/j-ibm.v5i1.1265

Abstract

Kegiatan Pengabdian kepada Masyarakat ini dilaksanakan dengan tujuan meningkatkan literasi digital serta efektivitas komunikasi dan informasi bagi anggota Komite RA Al Fariq melalui pemanfaatan media sosial. Permasalahan utama yang dihadapi adalah rendahnya pemahaman anggota komite dalam menggunakan media sosial secara tepat, kurangnya tata kelola komunikasi digital, serta keterlambatan penyebaran informasi. Untuk menjawab tantangan tersebut, tim pelaksana mengadakan sosialisasi dan pelatihan penggunaan media sosial, meliputi literasi digital dasar, manajemen grup komunikasi, etika berinteraksi, serta penyusunan Standar Operasional Prosedur (SOP) pemanfaatan media sosial di lingkungan sekolah. Kegiatan diikuti oleh 20 peserta yang terdiri dari guru dan perwakilan komite. Hasil kegiatan menunjukkan peningkatan signifikan pada aspek pengetahuan, keterampilan, dan kesadaran digital, yang dibuktikan dengan kenaikan rata-rata skor post-test lebih dari 50% dibandingkan pre-test. Selain itu, komunikasi internal komite menjadi lebih terstruktur dengan terbentuknya grup WhatsApp resmi sebagai saluran utama koordinasi. Peserta juga mulai memanfaatkan platform lain seperti Facebook dan Instagram untuk memperluas jangkauan informasi sekolah. Kegiatan ini tidak hanya berhasil memperkuat peran media sosial sebagai sarana komunikasi dan informasi, tetapi juga membentuk budaya digital yang lebih bijak, produktif, dan beretika di lingkungan pendidikan anak usia dini.
The Effect of Financial Attitude and Financial Knowledge on Financial Management Behavior with Self-Control as an Intervening Variable on Management Students of The First Class of Royal University Astuti, Bela
The Eastasouth Management and Business Vol. 4 No. 01 (2025): The Eastasouth Management and Business (ESMB)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esmb.v4i01.746

Abstract

This study was conducted to determine the effect of Financial Attitude (X1), Financial Knowledge (X2), on Financial Management Behavior (Y) with Self-Control as an Intervening Variable (Z) with the object of research being Management Students of Batch 1 of Royal University. The population in this study was 67 respondents, then a saturated sampling technique was used so that the sample took all the population into a sample of 67 respondents. Data analysis used the Structural Equation Modeling – Partial Least Squares (SEM-PLS) method through SmartPLS 4 software. The test results showed that Financial Attitude had a positive and significant effect on Financial Management Behavior, Financial Attitude had a positive and significant effect on Self-Control, Financial Knowledge had a positive and significant effect on Financial Management Behavior, Financial Knowledge had a positive and significant effect on Self-Control, Financial Attitude had a positive and significant effect on financial management behavior through self-control, and Financial Knowledge had a positive and significant effect on financial management behavior through self-control.
Co-Authors Ahmad Ramadani, Ahmad Andri Nata, Andri Nata Apridonal M, Yori Assobry, Muhammad Habib Endraswari, Putri Mentari Firmansyah, Muhamad Rehan Helmiah, Fauriatun Irawati, Novica khodijah, zaitun Nabila, Intan Nasution, Akmal Nata, Andri Nirda Julianda Nurhasanah Nurhasanah Ramadhani, Putri Saskia Salina, Ella Siddik, Mohd. Sinaga, Nursani Sahuri Wicaksana, Muhamad Dwi Cahya Wulandari, Naiyla Zidan, Zidan