Article Per Year (5 Year)
p-Index From 2020 - 2025
0.61
P-Index
This Author published in this journals
All Journal Jurnal Informasi dan Teknologi Jurnal Kolaboratif Sains Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Yulianti Karoma
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Other

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Fintech dan Inklusi Keuangan: Bagaimana Teknologi Informasi Mengubah Lanskap Ekonomi Global: Fintech and Financial Inclusion: How Information Technology is Changing the Global Economic Landscape Yulianti Karoma; Manggalawati Tande Bura
Jurnal Kolaboratif Sains Vol. 7 No. 12: Desember 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v7i12.7173

Abstract

Penelitian ini mengkaji peran teknologi finansial (fintech) dalam meningkatkan inklusi keuangan di berbagai negara, dengan fokus pada dampak sosial dan ekonomi yang ditimbulkan serta tantangan yang dihadapi. Perkembangan fintech telah memberikan solusi inovatif dalam memperluas akses layanan keuangan, terutama bagi individu dan usaha kecil yang sebelumnya terpinggirkan oleh sistem perbankan tradisional. Studi ini menggunakan pendekatan kualitatif dengan metode eksploratif, yang menggabungkan wawancara mendalam dan analisis dokumen terkait fintech dan inklusi keuangan. Hasil penelitian menunjukkan bahwa fintech memiliki peran kunci dalam mengatasi kesenjangan akses keuangan, dengan tingkat signifikansi sebesar 90%. Meskipun demikian, tantangan utama yang dihadapi termasuk masalah regulasi (70%) dan keamanan data (75%), yang masih menjadi hambatan utama bagi pengembangan industri ini. Selain itu, fintech juga memberikan dampak ekonomi yang signifikan (88%), meningkatkan efisiensi ekonomi global melalui akses keuangan yang lebih inklusif. Kolaborasi antara fintech dan perbankan tradisional terbukti menjadi solusi yang efektif dalam mempercepat inklusi keuangan, dengan tingkat signifikansi 78%. Penelitian ini diharapkan dapat memberikan wawasan bagi pembuat kebijakan, pelaku industri, dan akademisi untuk mengembangkan strategi yang lebih efektif dalam memanfaatkan fintech untuk meningkatkan kesejahteraan ekonomi global, sambil mengatasi tantangan yang ada, seperti regulasi dan keamanan data.
Pelatihan Literasi Keuangan bagi UMKM di Distrik Heram: Pengabdian Rizka Aisyah Nurjannah; Putri Ratnasari; Yulianti Karoma
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 3 No. 4 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 3 Nomor 4 (April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.1734

Abstract

Financial literacy is a crucial competency for MSMEs to maintain business sustainability. In Heram District, most MSMEs lack understanding of transaction recording, separating personal and business finances, and simple cash flow reports. This community service activity aims to improve financial literacy through practical training based on local needs. The methods used include interactive lectures, financial recording simulations, and individual mentoring. Evaluation was conducted through pre-post tests, observations, and interviews. Results showed a 41.4% increase in participants' understanding scores, and the majority were able to prepare simple financial reports. The participatory approach and hands-on practice effectively built participants' skills, especially those with limited educational backgrounds. The training also changed participants' attitudes toward the importance of financial recording and cash management and encouraged the formation of a potentially sustainable learning community. This program contributes to financial inclusion and local economic empowerment.
An Empirical Study on the Influence of Financial Literacy on Personal Financial Management among University Students in Indonesia Putri Ratnasari; Rizka Aisyah Nurjannah; Yulianti Karoma
Jurnal Informasi dan Teknologi 2025, Vol. 7, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.vi0.679

Abstract

This study aims to analyze the impact of financial literacy on personal financial management among university students in Indonesia. Additionally, this study explores the role of digital technology usage in enhancing students' personal financial management. Using a quantitative descriptive approach, data was collected through a survey distributed to students from various universities in Indonesia. The results indicate that financial literacy significantly influences students' personal financial management. Students with higher financial literacy are more likely to manage their budgets effectively, save regularly, and avoid excessive debt. Furthermore, the use of digital technology such as mobile banking apps and digital wallets has been shown to improve students' personal financial management by making it easier for them to track expenses and monitor budgets in real-time. However, demographic factors such as gender and age did not show a significant effect on students' personal financial management in this study. The findings suggest that increasing financial literacy and utilizing digital technology can enhance students' personal financial management. Therefore, it is crucial for universities and policymakers to design more effective educational programs on financial literacy and digital technology so that students can better manage their finances. This research provides valuable insights for the development of financial education curricula that are relevant to the financial challenges faced by students in the digital age.
Co-Authors Manggalawati Tande Bura Putri Ratnasari Rizka Aisyah Nurjannah