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All Journal Mattawang: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Trisakti Journal of Accounting and Finance Management (JAFM) Pena Dimas: Jurnal Pengabdian Masyarakat
Ramadhanti, Mutiara
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Public Health Social Sciences

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Faktor Penentu Kinerja Keuangan Bank yang Terdaftar di BEI Karnasi, Reniati; Lunarindiah, Gatri; Ramadhanti, Mutiara
Journal of Accounting and Finance Management Vol. 5 No. 6 (2025): Journal of Accounting and Finance Management (January - February 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v5i6.1480

Abstract

This study aims to analyze the impact of internal bank factors on profitability measured by Return on Assets (ROA) in conventional banks listed on the Indonesia Stock Exchange for the 2019-2023 period. The internal factors examined include capital adequacy ratio, credit risk, management efficiency, and liquidity risk. The research employs panel data using purposive sampling, involving 38 conventional banks. Data analysis was conducted using panel regression with the Fixed Effects Model (FEM). The results reveal that management efficiency has a significant negative effect on profitability, while liquidity risk has a significant positive effect. However, capital adequacy ratio and credit risk do not significantly affect profitability. This study highlights the importance of efficient operational management and optimal liquidity management in enhancing the financial performance of banks. The findings provide practical insights for bank management to effectively manage resources to support sustainable profitability.
KONSEKUENSI SOCIAL VALUE TERHADAP BRAND EQUITY PADA PRODUK SKINCARE LOKAL Ramadhanti, Mutiara; Yolanda Masnita
Jurnal Ekonomi Trisakti Vol. 5 No. 2 (2025): Oktober
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis 

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v5i2.22678

Abstract

Penelitian ini bertujuan untuk mengevaluasi pengaruh Entertainment Value, Social Value, dan Functional Value terhadap Likelihood to Share serta Brand Equity pada produk skincare lokal. Data diperoleh dari 220 responden melalui metode purposive sampling. Untuk menguji hipotesis, penelitian ini menggunakan pendekatan Structural Equation Modeling (SEM). Temuan penelitian menunjukkan bahwa Entertainment Value, Social Value, dan Functional Value masing-masing memberikan pengaruh positif terhadap Likelihood to Share, yang pada gilirannya juga memberikan pengaruh positif terhadap Brand Equity.
Basic Financial Management Training for MSMEs to Enhance Efficiency and Business Sustainability: Pelatihan Manajemen Keuangan Dasar bagi UMKM untuk Meningkatkan Efisiensi dan Keberlanjutan Bisnis Karnasi, Reniati; Lestari, Henny Setyo; Faisal, Aekram; Ramadhanti, Mutiara; Anggraeni, Dewi
Mattawang: Jurnal Pengabdian Masyarakat Vol. 6 No. 3 (2025)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.mattawang4314

Abstract

This article addresses the issue of weak financial management among micro, small, and medium enterprises (MSMEs), which has an impact on business efficiency and sustainability. The focus of this community service program was basic financial management training for members of the Komunitas Sukses Berjamaah Indonesia (KSBI) aimed at strengthening bookkeeping, cash flow management, and the separation of personal and business finances. The objective was to improve financial literacy and practical skills, thereby fostering disciplined financial behavior and broader access to financing. The method employed a participatory approach, combining lectures, case studies, bookkeeping simulations, group discussions, and questionnaire-based evaluations, supported by field observation and follow-up. The training was conducted in South Jakarta with 20 participants from the trade, culinary, and service sectors. Results showed that 85% of participants considered the material relevant, 80% assessed the delivery as clear, 75% successfully prepared a simple cash flow report, and 78% committed to separating personal and business finances. The program also fostered solidarity, peer learning habits, and the emergence of local leaders, thereby enhancing financial efficiency while supporting the long-term sustainability of KSBI members’ businesses. These findings are consistent with the literature on financial literacy and community empowerment. Abstrak Artikel ini mengangkat isu rendahnya manajemen keuangan pada UMKM yang berdampak pada efisiensi operasional dan keberlanjutan bisnis. Fokus pengabdian adalah pelatihan manajemen keuangan dasar bagi anggota Komunitas Sukses Berjamaah Indonesia (KSBI) untuk memperkuat pencatatan, arus kas, dan pemisahan keuangan pribadi–usaha. Tujuan kegiatan ialah meningkatkan literasi dan keterampilan praktis sehingga terbentuk perilaku keuangan yang tertib serta akses pembiayaan yang lebih luas. Metode menggunakan pendekatan partisipatif melalui penyampaian teori, studi kasus, simulasi pencatatan, diskusi, dan evaluasi kuesioner, disertai observasi lapangan dan tindak lanjut. Pelatihan dilaksanakan satu hari di Jakarta Selatan dengan 20 peserta dari sektor perdagangan, kuliner, dan jasa. Hasil menunjukkan 85% peserta menilai materi relevan, 80% menilai penyampaian jelas, 75% mampu menyusun arus kas sederhana, dan 78% berkomitmen memisahkan keuangan. Teridentifikasi pula munculnya solidaritas, kebiasaan belajar bersama, dan figur pemimpin lokal, yang memperkuat efisiensi pengelolaan sekaligus menopang keberlanjutan usaha anggota KSBI. Temuan ini konsisten dengan literatur tentang literasi keuangan dan pemberdayaan.
Optimization of Digital Business Communication for MSMEs: Strategies to Build Brand and Customer Loyalty Lunarindiah, Gatri; Rahayu, Fatik; Sumiyarti, Sumiyarti; Puspitasari, Windhy; Ramadhanti, Mutiara
Pena Dimas: Jurnal Pengabdian Masyarakat Vol 4, No 1 (2025): Pena Dimas: Jurnal Pengabdian Masyarakat
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/penadimas.v4i1.29499

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are crucial contributors to Indonesia’s economy but continue to face barriers in adopting digital transformation, particularly in business communication, branding, and customer relationship management. Many MSME owners lack sufficient digital knowledge and confidence to implement effective online strategies, resulting in limited market visibility and customer engagement. To address these challenges, a community empowerment initiative was conducted with the primary goal of enhancing entrepreneurs’ digital competence and strengthening their ability to build brand identity and customer loyalty. The program applied the Participatory Action Research (PAR) approach, emphasizing collaborative involvement across stages of needs assessment, training, mentoring, and evaluation. Twenty MSME participants from the culinary, fashion, service, and household product sectors actively took part.  The results indicated significant improvements in understanding digital communication, developing creative content, and integrating social media into business strategies. Participants also demonstrated stronger collaboration, initiative, and confidence in digital marketing practices. These outcomes highlight the importance of hands-on, collaborative learning in bridging the digital literacy gap and fostering innovation among MSMEs. By improving their digital capabilities, MSMEs are better positioned to sustain growth, expand market reach, and contribute to a more inclusive digital economy. The initiative supports the United Nations Sustainable Development Goals (SDGs), particularly SDG 4 (Quality Education) through continuous learning and skills development, SDG 8 (Decent Work and Economic Growth) through entrepreneurship empowerment, and SDG 9 (Industry, Innovation, and Infrastructure) by promoting innovation and sustainable digital transformation.
Co-Authors Aekram Faisal Dewi ANGGRAENI Fatik Rahayu Gatri Lunarindiah Lestari, Henny Setyo Puspitasari, Windhy Reniati Karnasi Sumiyarti Sumiyarti, Sumiyarti