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All Journal Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Abdimas Awang Long: Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Ilmu Sosial dan Humaniora Jurnal Visi Manajemen (JVM) Jurnal Mutiara Ilmu Akuntansi Student Scientific Creativity Journal Journal of Business Management and Economic Development Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Journal of Community Research & Engagement (JCRE) ALKHIDMAH: Jurnal Pengabdian dan Kemitraan Masyarakat
Tetty Nur Intan Rifia
Sekolah Tinggi Ilmu Ekonomi Ganesha
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Peningkatan Kapasitas Manajemen Risiko Keuangan UMKM Berbasis Wisata melalui Penyuluhan dan Pendampingan di Pantai Carita Saefullah, Aep; Fadli, Ahmad; Pardian, Ramadani; Arda, Devid Putra; Zulkarnain, Nizar; Abas, Farhat; Fahri, Fahri; Siregar, Fuad Gagarin; Herawati, Tuti; Aisha, Neila; Tahang, Moh.; Rahmi, Cinta; Rifia, Tetty Nur Intan; Muhaimin, Abdul; Syaifullah, Aef
Journal of Community Research & Engagement Vol. 3 No. 1 (2026): July 2026
Publisher : LPPM STIE Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60023/b8nat239

Abstract

Tourism-based micro, small, and medium enterprises (MSMEs) play a crucial role in supporting local economic activities, particularly in coastal tourism areas such as Pantai Carita. However, their high dependence on tourist arrivals exposes them to significant financial risks, including income instability, rising operational costs, and cash flow constraints. This community service activity aims to strengthen the financial risk management capacity of MSME actors through practical and context-based interventions. The program was conducted on 15–17 December 2025, involving 50 tourism MSME actors from culinary, rental, and service sectors. A participatory approach was applied through counseling and direct mentoring. Counseling sessions covered financial risk concepts and simple bookkeeping, while mentoring focused on the practical implementation of daily cash flow recording and risk identification. The results show significant quantitative improvements: understanding of financial risk increased from 22% to 78%, daily cash flow recording from 18% to 72%, and emergency fund allocation from 10% to 60%. In addition, the ability to identify business risks rose from 25% to 80%, while financial-based decision making improved from 28% to 73%. These results indicate that simple and practical interventions effectively enhance financial awareness, managerial capability, and adaptive behavior of MSMEs in managing business risks
MENUMBUHKEMBANGKAN UMKM PASCA PANDEMI COVID 19 DI KAWASAN WISATA CIUNG WANARA, KABUPATEN CIAMIS Tetty Nur Intan Rifia
ALKHIDMAH: Jurnal Pengabdian dan Kemitraan Masyarakat Vol. 1 No. 1 (2023): Januari : Jurnal Pengabdian dan Kemitraan Masyarakat
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/alkhidmah.v1i1.184

Abstract

Pada tanggal 21 hingga 23 Oktober 2022 telah diselenggarakan kegiatan pengabdian masyarakt bagi 25 pelaku UMKM di daerah tujuan wisata Ciung Wanara, Kabupaten Ciamis. Pengabdian kepada masyarakat dilaksanakan dengan memberikan sosialisasi berupa pelatihan digital marketing online dan pembuatan logo usaha secara langsung. (NIB) bertujuan untuk memberikan wawasan dan informasi kepada pemilik warung makan melalui pemasaran digital dan memperkuat legitimasi bisnis. Metode yang digunakan menggunakan model pelatihan, sosialisasi, diskusi tatap muka (offline) dan praktik tatap muka untuk membuat akun media sosial dalam pemasaran digital dan memberikan persetujuan bisnis. Hasil dari pengabdian ini memberikan dua perspektif bagi 25 pemilik kios. Pertama, dari segi pemasaran digital, perusahaan sudah memiliki akun media sosial seperti Google Business, Facebook Market Place, Instagram, dan WhatsApp Business. Selain itu, mereka dapat memahami alat media sosial ini dan menggunakannya untuk bisnis mereka. Kedua, sisi legal formal perjanjian. Pedagang sudah memiliki izin usaha (NIB). Manfaat NIB terletak pada pengembangan usaha, dukungan keamanan dan kenyamanan usaha, serta memperoleh kepastian hukum dalam kehidupan usaha.
A Contextual Financial Risk Management Model for Tourism-Based MSMEs: Evidence from Carita Beach Saefullah, Aep; Rifia, Tetty Nur Intan; Nurdin, Nurdin; Zulkarnain, Nizar; Suharjana, I Dewa Ketut
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2324

Abstract

Tourism-based micro, small, and medium enterprises (MSMEs) play a crucial role in supporting local economic activities; however, they are highly exposed to financial risks due to fluctuations in tourist arrivals, weather uncertainty, and the seasonal nature of tourism destinations. This study aims to identify the types of financial risks faced by tourism-based MSMEs, examine their impact on business sustainability, and develop a practical financial risk management model suited to small-scale enterprises. A qualitative descriptive approach was employed, with data collected through in-depth interviews, direct observations, and field studies conducted during an edu-tourism program in the Carita Beach area from 1–17 December 2025. The findings reveal that the main financial risks include revenue risk, operational cost risk, and cash flow and liquidity risk. Among these, revenue instability and cash flow constraints are the most significant factors affecting business continuity, particularly during periods of declining tourist activity. MSME actors tend to manage these risks through informal, experience-based strategies such as adjusting production levels, reducing operational expenses, and relying on short-term financial coping mechanisms. This study contributes by proposing a simplified and context-based financial risk management model that aligns with the operational realities of tourism MSMEs. The model emphasizes practical risk identification, prioritization, and adaptive mitigation strategies that can be implemented without requiring complex financial systems. The findings provide implications for policymakers and practitioners in designing more inclusive and applicable financial support and risk management frameworks for tourism-based MSMEs.
PENGUATAN NILAI AQIDAH DAN KEPEDULIAN SOSIAL MELALUI TABLIGH AKBAR DAN BAKTI SOSIAL DALAM MOMENTUM ISRA’ MI’RAJ DI LINGKUNGAN STIE GANESHA Syafran Nurrahman; Fisy Amalia; Tohiroh; Putri Noor Ramayanti; Fahri; M Ruvi; Adi Wicaksono; Tetty Nur Intan Rifia; Abdul Kohar; Yohana Cesyika Ndaung; Ari budiman; Nurrahman, Syafran
Journal of Community Research & Engagement Vol. 3 No. 1 (2026): July 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60023/tt12ye86

Abstract

Kegiatan penguatan nilai aqidah dan kepedulian sosial di lingkungan perguruan tinggi memiliki peran penting dalam membentuk karakter mahasiswa dan masyarakat. Namun, implementasi kegiatan spiritual dan sosial sering dilakukan secara terpisah sehingga dampaknya belum optimal. Pengabdian kepada masyarakat ini bertujuan untuk mengintegrasikan penguatan nilai aqidah dan kepedulian sosial melalui Tabligh Akbar dan Bakti Sosial pada momentum Isra Mi’raj yang diselenggarakan oleh STIE Ganesha. Metode pelaksanaan meliputi dokumentasi, pelaksanaan tausiyah keagamaan, penyaluran bantuan sosial, serta observasi kegiatan. Hasil menunjukkan tingginya partisipasi masyarakat dengan jumlah peserta sekitar 1.000 orang dalam kegiatan Tabligh Akbar serta penyaluran bantuan sosial berupa sembako kepada sekitar 1.000 penerima manfaat. Selain itu, kegiatan ini menunjukkan adanya peningkatan pemahaman nilai keislaman seperti taubat, pentingnya lingkungan yang baik, serta meningkatnya kepedulian sosial masyarakat. Luaran kegiatan berupa peningkatan kesadaran spiritual, kepedulian sosial, serta terjalinnya hubungan yang lebih erat antara kampus dan masyarakat. Kegiatan ini diharapkan dapat menjadi model pengabdian masyarakat yang terintegrasi dan berkelanjutan
Co-Authors Abas, Farhat Abdul Kohar Abdul Muhaimin, Abdul Adi Wicaksono Adi Wicaksono Aep Saefullah Afandi Rachman Ahmad Fadli Ananda Adam Naufal Yahya Arda, Devid Putra Ari Budiman Asep Surya Lesmana Cinta Rahmi DINDA WULANDARI Eka Dea Safitri Ekky Noviar FAHRI Fahri Fahri Fisy Amalia Fuad Gagarin Siregar Haria Saputri Ika Agustina Ika Fatmasari Laela Punky Azzahra M Ruvi M.Tafsiruddin Moh. Tahang Neila Aisha Noviar, Ekky Nurdin Nurdin Nurhakim, Rahman Nurhayati Nurhayati Putra, Idrisi Raliya Putri Noor Ramayanti Ramadani Pardian Rufi'i Selamet Setyanto, Sulis Sitti Aliyah Azzahra Suharjana, I Dewa Ketut Syafran Nurrahman Syaifullah, Aef Syarif Hidayatullah Tohiroh Tohiroh Tohiroh, Tohiroh Turah Slamet Tuti Herawati Wawan Hermawan Wawan Hermawan WICAKSONO, ADI Yohana Cesyika Ndaung Zainuddin, Zulkifli Zulkarnain, Nizar