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All Journal Journal of Business & Banking Jurnal EMT KITA JIPITI: Jurnal Pengabdian kepada Masyarakat
Amaral, Leonardo Bele Bau
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Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste Amaral, Leonardo Bele Bau; Iramani, Rr; Pertiwi, Tanza Dona
Journal of Business & Banking Vol 14 No 1: May-October 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.5024

Abstract

Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.
Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste Amaral, Leonardo Bele Bau; Iramani, Rr; Pertiwi, Tanza Dona
Journal of Business & Banking Vol 14 No 1: May-October (2024)
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.5024

Abstract

Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.
Pengaruh Likuiditas dan Profitabilitas terhadap Financial Distress Gusmao, Cristino; Martins, Celeste Maria; Amaral, Leonardo Bele Bau; Sulistyawati, Ardiani Ika; Santoso, Aprih
Jurnal EMT KITA Vol 10 No 1 (2026): JANUARY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i1.5518

Abstract

The study aims to find empirical evidence of the influence of liquidity (CR) and profitability (ROA) on financial distress. In this study, the researcher used a quantitative method using panel data regression. The study population consisted of companies listed on the Jakarta Islamic Index (JII 30) 2021-2024, and a purposive sampling technique was used to determine the sample size. A total of 84 samples from 21 companies were selected for this study. The data analysis technique used EViews 12. Based on the research findings, financial distress is significantly influenced by liquidity (CR) and profitability (ROA). The R-square results indicate that the influence of CR and ROA on financial distress, with a value of 0.8997 or 89.97%, is included in the high category. Meanwhile, other variables not studied may have an influence of 10.03%.
Edukasi Penerapan Teknologi Informasi dalam Pemasaran Produk UMKM Amaral, Leonardo Bele Bau; Awaludin, Dipa Teruna; Sarmento, Ângela Laura Sofia; Shofwani, Siti Aniqoh; Muklis, Muklis
JIPITI: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 4 (2025): November 2025 - JIPITI: Jurnal Pengabdian kepada Masyarakat
Publisher : PT. Technology Laboratories Indonesia (TechnoLabs)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pengabdian kepada masyarakat ini dilaksanakan dengan tujuan untuk meningkatkan pengetahuan dan keterampilan para pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam memanfaatkan teknologi informasi sebagai strategi pemasaran yang efektif di era digital. Latar belakang kegiatan ini berangkat dari permasalahan yang dihadapi UMKM, yaitu keterbatasan pemahaman mengenai pemanfaatan media digital, rendahnya literasi teknologi, serta kurang optimalnya penggunaan platform pemasaran online untuk memperluas jangkauan pasar. Metode pelaksanaan pengabdian dilakukan melalui pendekatan partisipatif berupa sosialisasi, pelatihan, dan pendampingan yang melibatkan pelaku UMKM secara langsung. Materi yang diberikan mencakup pengenalan dasar teknologi informasi, strategi pemasaran digital, penggunaan media sosial dan e-commerce, hingga optimalisasi konten promosi berbasis digital. Hasil kegiatan menunjukkan adanya peningkatan signifikan pada pemahaman dan keterampilan peserta dalam mengaplikasikan teknologi informasi, yang terlihat dari kemampuan peserta membuat akun bisnis online, mengelola konten promosi, serta memanfaatkan media sosial sebagai sarana pemasaran. Selain itu, peserta juga menunjukkan sikap lebih proaktif dalam mengembangkan inovasi pemasaran produk. Dengan demikian, program pengabdian ini dapat memberikan dampak positif dalam memperkuat daya saing UMKM dan mendukung keberlanjutan usaha di tengah persaingan pasar yang semakin kompetitif.
Co-Authors Aprih Santoso Ardiani Ika Sulistyawati Awaludin, Dipa Teruna Gusmao, Cristino Iramani, Rr Martins, Celeste Maria Muklis Muklis Pertiwi, Tanza Dona Sarmento, Ângela Laura Sofia Shofwani, Siti Aniqoh