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All Journal CEMARA Bisma: Jurnal Bisnis dan Manajemen JURNAL MANAJEMEN DAN BISNIS INDONESIA wacana equiliberium (jurnal pemikiran penelitian ekonomi) AKMENIKA Darmabakti : Junal Pengabdian dan Pemberdayaan Masyarakat VALUE: Jurnal Ilmiah Akuntansi, Keuangan dan Bisnis Jurnal Abdiraja AbdiTechno (Jurnal Pengabdian Masyarakat) Journal MISSY (Management and Business Strategy) Jurnal Abdimas Sosek (Jurnal Pengabdian dan Pembardayaan Masyarakat) Journal of Business Management and Economic Development Journal of Accounting and Financial Issue Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi Abhakte
Dessy Novitasari Laras Asih
Universitas Wiraraja
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Strategi Peningkatan Kesejahteraan dan Pengelolaan Keuangan Kelompok Tani Kelapa Makmur melalui Pendekatan Arisan sebagai Skema Keuangan Alternatif di Desa Lombang Dessy Novitasari Laras Asih; Very Andrianingsih; Moh Faisol
Abhakte Jurnal Pengabdian Kepada Masyarakat Vol 3 No 2 (2025): ABHAKTE
Publisher : Fakultas Sosial dan Ilmu Politik Universitas Wiraraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/abhakte.v3i2.4754

Abstract

Lombang Village in Sumenep Regency relies heavily on seasonal agriculture, particularly watermelon and coconut production, resulting in unstable farmer incomes due to market fluctuations and climate change. The "Kelapa Makmur" Farmers Group operates an informal savings and loan program, but its conventional management limits its effectiveness for productive activities. Low financial literacy and poor business record-keeping hinder the potential of this initiative. This community service program aims to transform arisan into a productive financial scheme and improve members' financial literacy and business planning skills through a structured, participatory approach. Key activities include problem identification, training module development, financial literacy training, mentorship for productive arisan usage, and evaluation. Expected outcomes include better financial skills among members, optimized arisan funds, a transparent financial recording system, and enhanced economic resilience for farmers, ultimately contributing to community economic empowerment.
Optimalisasi Strategi Pemasaran Digital Dan Inovasi Pembiayaan Sebagai Upaya Meningkatkan Keberlanjutan Umkm Di Era Transformasi Ekonomi Digital (Studi Kasus: UD Putri, Desa Kertasada) Safitri, Nita Mari; Maulana, Andy; Mauluda, Nurul; Lathifa, Atria Putri; Saputra, Bagas Dwiki; Hunaini, Levi; Hambali, Moh Bayu; Asih, Dessy Novitasari Laras
Jurnal ABDIRAJA Vol 9 No 1 (2026): Jurnal Abdiraja
Publisher : LPPM Universitas Wiraraja Sumenep, Jalan Raya Sumenep Pamekasan KM. 5 Patean Sumenep 69451, Telp. (0328) 673399 Fax. (0328) 673088

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/adr.v9i1.4299

Abstract

Saat ini UMKM sangat penting bagi perkembangan ekonomi Negara, data dari Kemenko Perekonomian RI tahun 2025 kontribusi UMKM sebanyak lebih dari 60% terhadap Produk Domestik Bruto (PDB) Nasional dan menyerap hampir 97% tenaga kerja yang artinya UMKM sangat berpengaruh signifikan bagi perekonomian Negara, hal ini perlu terus didukung dan dikembangkan. Namun, tidak semua UMKM dapat terus berjalan dengan baik, banyak kendala yang dihadapi salah satunya oleh UD Putri Desa Kertasada, menurut hasil observasi wawancara dan dokumentasi yang telah kami lakukan, usaha ini belum menerapkan pemasaran digital dan awam terhadap pengelolaan keuangan. Oleh sebab itu, sebagai pengabdi berinisiatif ingin melaksanakan pengabdian masyarakat dengan memberikan pelatihan terkait ketertinggalan tersebut, tujuannya agar usaha ini dapat terus berkembang dan berinovasi sesuai dengan perkembangan zaman.
ANALISIS PENGUKURAN KINERJA PERUSAHAAN MENGGUNAKAN METODE BALANCE SCORECARD PADA PDAM KABUPATEN SUMENEP Melly Husaima; Dessy Novitasari Laras Asih
Journal MISSY (Management and Business Strategy) Vol 7 No 1 (2026): MISSY
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Wiraraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/missy.v7i1.5026

Abstract

Rapid changes in the business environment mean that companies need Balanced Scorecard performance measurement, which covers all aspects. The aim of this research is to describe the performance of PDAM Sumenep using the Balance Scorecard. Type of quantitative descriptive research. The data used are financial reports, employee data, and customer data for PDAM Sumenep Regency for 2021-2023. Based on data management, the results of this study indicate the performance of four perspectives. From a financial perspective, performance declined, as seen from the NPM, ROA, and ROE values, due to a decrease in investment depreciation costs of IDR 5.4 billion. From a customer perspective, the MBR program successfully added customers, but satisfaction could be affected if service capacity is not increased. From an internal business process perspective, operational efficiency is maintained, but service expansion risks burdening the system without improving human resources and infrastructure. From a growth & learning perspective, employee retention is good, but productivity decreases due to an unbalanced workload.
Co-Authors Amir Hamzah Arief Hidayatullah Khamainy Atika, Wilda Dina Kurniawati Firmansyah, Raden Arief Hambali, Moh Bayu Hunaini, Levi Imam Wahyudi Farid Imami, Nurul Iradati, Sulfa Kusuma, Rendra Lathifa, Atria Putri Maulana, Andy Mauluda, Nurul Melly Husaima Moh. Baqir Ainun Moh. Faisol Nur Inna Alfiyah Rendra Kusuma Safitri, Nita Mari Saputra, Bagas Dwiki Septiyana, Siska Tri very Andrianingsih Very Andrianingsih Very Andrianingsih