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Solusi Pintar Mengelola Keuangan untuk Anak Usia Dini dan Milenial di Yayasan Latar Hati Sawangan Dina Novita; Supatmin Supatmin; Sutiman Sutiman
Jurnal Pengabdian Tangerang Selatan [JURANTAS] Vol. 1 No. 3 (2023): [November-Februari] Jurnal Pengabdian Tangerang Selatan: JURANTAS
Publisher : LAP4B

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58174/jrt.v1i3.39

Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk memberikan pemahaman kepada santri dan santriwati tentang pentingnya mengelola keuangan sejak dini dan memberikan motivasi para santri dan santriwati mampu mengelola keuangan sejak dini. Metode yang digunakan meliputi ceramah, demonstrasi, tanya jawab dan contoh dalam sikap peduli terhadap peserta lain. Pelatihan ini melibatkan para dosen Manajemen Universitas Pamulang dengan peserta anak yatim duafa Latar Hati sebanyak 44 orang. Hasil dari kegiatan ini adalah (1) menerapkan pemahaman, pengetahuan, pengarahan, motivasi serta memberikan solusi pintar bagi anak-anak yayasan latar hati agar mampu mengelola keuangan baik di yayasan latar hati maupun dalam lingkungan masyarakat nantinya. (2) respon dari peserta terhadap pelaksanaan pemahaman sikap peduli ini sangat baik, dilihat dari kehadiran mencapai 100% dan mengikuti kegiatan dari awal hingga akhir, hasil dari pengabdian ini sangat baik karena mengkolaborasi antara anak usia dini dan generasi milenial sebagai pendamping dalam mengelola tabungan.

Strategi Efektif Bertahan dan Berkembang di Dunia Akademik dan Kerja Dina Novita; Karina Mayani; Pramesti Cahyani; Raetha Destriyani
Jurnal PKM Manajemen Bisnis Vol. 6 No. 1 (2026): Jurnal PKM Manajemen Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/pkmb.v6i1.1763

This community service activity was conducted to respond to the growing need for high school students to prepare themselves for both academic and professional challenges after graduation. The program aimed to strengthen students’ understanding of self-readiness as they plan to continue their studies while working. The activity was held at SMK Perguruan Rakyat 1 Jakarta on 31 October 2025 and involved 16 lecturers and students from Universitas Pamulang as facilitators, with 50 twelfth-grade students as participants. The implementation followed three stages: preparation, execution, and reporting. During the execution stage, the facilitators delivered learning materials through presentations, practical sessions, discussions, and question-and-answer activities designed to build students’ confidence, awareness of workplace expectations, and strategies for academic–work balance. The results indicate that participants gained clearer insight into managing time, developing soft skills, adapting to academic demands, and preparing for early career challenges. Students also expressed increased motivation to pursue higher education while working and felt better equipped to make informed decisions about their future pathways. Overall, the program successfully enhanced students’ readiness to transition into both academic and professional environments.

Dampak Perputaran: Aktiva Tetap dan Piutang terhadap Return on Asset pada PT Unilever Indonesia, Tbk Periode 2007-2017 Dina Novita; Sutiman Sutiman; Supatmin Supatmin
Jurnal Manajemen & Pendidikan [JUMANDIK] Vol 2 No 3 (2024): Jurnal Manajemen & Pendidikan [JUMANDIK]
Publisher : LAP4B

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58174/jmp.Volume:2.No:3.2024.117.Hal:120-128

This research aims to determine the impact of Fixed Asset Turnover and Receivables Turnover on Return on Assets at PT Unilever Indonesia, Tbk for the 2007-2017 period. This type of research is quantitative descriptive. The population used is the financial report of PT Unilever Indonesia, Tbk for the 2007-2017 period. Data analysis used includes Fixed Asset Turnover, Receivables Turnover and Return on Assets, descriptive tests, classical assumption tests, hypothesis tests and multiple linear regression tests. The results of the t test (partial) showed that Fixed Asset Turnover had no significant effect on Return on Assets, while Receivables Turnover had a negative and significant effect on Return on Assets. F test results (simultaneous), Fixed Asset Turnover and Receivables Turnover have a significant effect on Return on Assets with a contribution of 30.25%. This is also reinforced by the results of the value of fcount (5.876) > ftable (4.260).

MAKNA LITERASI KEUANGAN DIGITAL BAGI PENGELOLA KEUANGAN SEKOLAH: KAJIAN ETNOGRAFI PADA ERA DIGITALISASI PENDIDIKAN Eko Cahyadi; Supatmin Supatmin; Dina Novita
Jurnal Manajemen & Pendidikan [JUMANDIK] Vol 4 No 3 (2026): Jurnal Manajemen dan Pendidikan
Publisher : LAP4B

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58174/q8kdv882

This study examines the meaning of digital financial literacy for school financial managers in Indonesia amid the ongoing massive digital transformation of the education sector. Despite government efforts to promote digital transformation in education through various regulations and programs, an in-depth understanding of how school financial managers—treasurers and administrative heads—interpret, internalize, and practice digital financial literacy in their daily work routines remains scarce. This study employed an ethnographic approach over nine months across six public junior and senior high schools in DKI Jakarta and West Java provinces, collecting data through participant observation, in-depth interviews with 18 informants, and analysis of school financial documents. Findings reveal that the meaning of digital financial literacy for school financial managers is polysemic: it is simultaneously perceived as a tool of administrative compliance, a source of technological anxiety, a medium of professional empowerment, and an arena for occupational identity negotiation. This research contributes to the development of a contextually grounded financial literacy framework responsive to the realities of Indonesian public educational institutions, while offering empirically-based policy recommendations for capacity-building programs targeting school financial managers.

Dampak Perputaran: Aktiva Tetap dan Piutang terhadap Return on Asset pada PT Unilever Indonesia, Tbk Periode 2007-2017 Dina Novita; Sutiman Sutiman; Supatmin Supatmin
Jurnal Manajemen & Pendidikan [JUMANDIK] Vol 2 No 3 (2024): Jurnal Manajemen & Pendidikan [JUMANDIK]
Publisher : LAP4B

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58174/jmp.Volume:2.No:3.2024.117.Hal:120-128

This research aims to determine the impact of Fixed Asset Turnover and Receivables Turnover on Return on Assets at PT Unilever Indonesia, Tbk for the 2007-2017 period. This type of research is quantitative descriptive. The population used is the financial report of PT Unilever Indonesia, Tbk for the 2007-2017 period. Data analysis used includes Fixed Asset Turnover, Receivables Turnover and Return on Assets, descriptive tests, classical assumption tests, hypothesis tests and multiple linear regression tests. The results of the t test (partial) showed that Fixed Asset Turnover had no significant effect on Return on Assets, while Receivables Turnover had a negative and significant effect on Return on Assets. F test results (simultaneous), Fixed Asset Turnover and Receivables Turnover have a significant effect on Return on Assets with a contribution of 30.25%. This is also reinforced by the results of the value of fcount (5.876) > ftable (4.260).

MAKNA LITERASI KEUANGAN DIGITAL BAGI PENGELOLA KEUANGAN SEKOLAH: KAJIAN ETNOGRAFI PADA ERA DIGITALISASI PENDIDIKAN Eko Cahyadi; Supatmin Supatmin; Dina Novita
Jurnal Manajemen & Pendidikan [JUMANDIK] Vol 4 No 3 (2026): Jurnal Manajemen dan Pendidikan
Publisher : LAP4B

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58174/q8kdv882

This study examines the meaning of digital financial literacy for school financial managers in Indonesia amid the ongoing massive digital transformation of the education sector. Despite government efforts to promote digital transformation in education through various regulations and programs, an in-depth understanding of how school financial managers—treasurers and administrative heads—interpret, internalize, and practice digital financial literacy in their daily work routines remains scarce. This study employed an ethnographic approach over nine months across six public junior and senior high schools in DKI Jakarta and West Java provinces, collecting data through participant observation, in-depth interviews with 18 informants, and analysis of school financial documents. Findings reveal that the meaning of digital financial literacy for school financial managers is polysemic: it is simultaneously perceived as a tool of administrative compliance, a source of technological anxiety, a medium of professional empowerment, and an arena for occupational identity negotiation. This research contributes to the development of a contextually grounded financial literacy framework responsive to the realities of Indonesian public educational institutions, while offering empirically-based policy recommendations for capacity-building programs targeting school financial managers.

EDUKASI CERDAS KELOLA UANG DENGAN PROGRAM LITERASI KEUANGAN BERBASIS FENOMENA FLEXING MEDIA SOSIAL BAGI SISWA SMK MULIA BUANA PARUNG PANJANG BOGOR Endang Nurita; Supatmin Supatmin; Dina Novita
Jurnal Pengabdian Tangerang Selatan [JURANTAS] Vol. 4 No. 2 (2026): Jurnal Pengabdian Tangerang Selatan
Publisher : LAP4B

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58174/y9af8p11

The massive growth of social media has given rise to the phenomenon of flexing-the open display of wealth and consumptive lifestyles in digital spaces. The 2024 National Survey on Financial Literacy and Inclusion (SNLIK) recorded that the 15-17 age group had the lowest national financial literacy index at only 51.70 percent. This gap between high flexing content exposure and low financial literacy among vocational high school (SMK) students underpins this Community Service Program. The program aims to improve the financial literacy of students at SMK Mulia Buana Parung Panjang Bogor through smart money-management education grounded in the social media flexing phenomenon. Methods included interactive lectures, group discussions, social media case studies, and simple financial management simulations conducted over three days (March 15-17, 2026). Results showed significant improvements in student understanding of financial literacy concepts, the ability to distinguish needs from wants, and simple financial planning skills. A total of 92% of participants rated the program as very beneficial and 87% felt more confident in managing their personal finances. This program proved effective in raising digital-social-phenomenon-based financial literacy awareness and contributed to shaping wise, independent, and responsible financial character among students.

The Effects Of Capital Adequacy, Loan-To-Deposit, And Non-Performing Loan Ratios On Return On Assets: Evidence From Indonesian State-Owned Banks, 2020–2025 Sabda Adam; Nina Shabrina; Dina Novita
Jurnal Ilmiah Ekonomi Manajemen & Bisnis Vol. 4 No. 3 (2026): August 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60023/qm0d4y12

This study aims to examine the effect of Capital Adequacy Ratio, Loan to Deposit Ratio and Non- Performing Loan on Financial Performance of State Owned Commercial Banks listed on the Indonesia Stock Exchange for the period 2020–2025. The sample consists of 4 State-Owned Commercial Banks listed on the Indonesia Stock Exchange. This study employs a quantitative associative method with panel data, Data analysis techniques include descriptive statistical tests, analysed through multiple linear regression, t-test, F-test, and coefficient of determination. The multiple linear regression analysis yields the equation Y = -5.706484 + 0.002154X1 + 0.000330X2 + 0.000174X3. Partially, Capital Adequacy Ratio has a significant effect on financial performance with t-sig. 0.0058 < 0.05. Loan to Deposit Ratio also has a significant effect on financial performance with t-sig. 0.0322 < 0.05. Conversely, Non-Performing Loan does not have a significant effect with t-sig. 0.9989 > 0.05. However, simultaneously, Capital Adequacy Ratio, Loan to Deposit Ratio, and Non-Performing Loan have a significant effect on financial performance with an F-sig. value of 0.000011 < 0.05. The coefficient of determination of 76.86% indicates that the independent variables are able to explain the variation in financial performance, while the remaining 23.14% is influenced by other factors outside this research model.

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