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Pemberdayaan Ibu Rumah Tangga melalui Pelatihan Pengelolaan Keuangan Keluarga di Kelurahan Tampa Garam Kota Sorong Papua Barat Daya Bintari, Wisang Candra; Amin, Muhammad; Waly, Nur Aeni; Wangsi, Mitta Muthia; Lestari, Bekti Wiji; Nurhani, Nurhani; Howay, Korintus; Kambu, John Regen
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 1 (2026): Abdira, Januari
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i1.1312

Abstract

This community service activity was carried out with the aim of enhancing the ability of housewives to manage family finances effectively and wisely in Tampa Garam Village, Sorong City, Southwest Papua Province. The low level of financial literacy among housewives in this area has become the main issue, resulting in limited skills in financial planning, recording expenses, and determining family financial priorities. To address these problems, the training program was designed through four stages: socialization and interactive discussion, core material training, assistance in budget preparation, and evaluation through group discussions. A total of 23 participants took part in this activity and gained comprehensive understanding of the five key steps in family financial management, which include budgeting, determining expenditure priorities, managing debt responsibly, developing saving and investing habits, and monitoring and evaluating family financial conditions regularly. The results of the training indicate a significant improvement in participants’ knowledge and skills, especially in creating more structured financial plans based on household needs. Participants were able to prepare clearer family budgets, set expenditure priorities wisely, and understand the risks associated with poor debt management. Additionally, they demonstrated increased awareness of the importance of saving and investing as a means of anticipating unexpected financial needs in the future. Overall, this activity successfully achieved its objective by providing tangible benefits for improving family financial literacy and encouraging participants to become more independent in managing household financial matters.
Consumptive Behavior: How Religiousity Moderation Affect in Financial Literacy and Self-Concept Student Digital Wallet Users Nur Aeni Waly; Mitta Muthia Wangsi; Bekti Wiji Lestari; Nugroho Dwi Prihandoko; Nurhani Nurhani; Aji Masyhur Nurlily
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 1 (2026): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i1.8720

Abstract

This study aims to present empirical evidence that can be used as information related to how the role of religiosity moderates financial literacy and self concept towards the consumptive behavior of Islamic students who use digital wallets and has social intervention from the majority of non-Muslim students. This research is using quantitative methode. The sampling used purposive sampling technique and used the Slovin's formula to get the result 97 respondents. The data collection method used is a questionnaire structured. this research uses the moderated regression analysis (MRA) technique with the SPSS27 application. This research found that financial literacy has a negative and insignificant effect on consumptive behavior, self concept has a positive and significant effect on consumer behavior, Financial literacy with religiosity has not significant effect towards consumptive behavior, and Self concept with religiosity has significant effect towards consumptive behavior. The value from this research give the insight for educational institutions and financial education institutions to emphasize the importance of developing self concept and religiousity integration in student financial management program.
Capital Asset Pricing Model (CAPM) And Its Implications For Investment Decision Making In LQ45 Companies On The Indonesia Stock Exchange Villa Maharani Aslim; Wisang Candra Bintari; Mitta Muthia Wangsi; Bekti Wiji Lestari; Nur Aeni Waly
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 3 (2026): Juli
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i3.11813

Abstract

This study aims to determine the level of stock returns and risks, as well as the grouping and assessment of efficient and inefficient stocks in the LQ 45 index using the Capital Asset Pricing Model (CAPM) method in determining stock investment decisions in the LQ 45 index for the 2019-2023 period. The type of research used is a quantitative approach with a descriptive method. The data source used is secondary data, the sampling technique uses non-probabilistic sampling, namely purposive sampling, resulting in 23 stock samples examined on the Indonesia Stock Exchange website. The results of the study, determined using the Capital Asset Pricing Model (CAPM), show that of the 23 sample companies in the LQ 45 index in 2019, there were 14 efficient stocks in 2019, 16 efficient stocks in 2020, 8 efficient stocks in 2021, 15 efficient stocks in 2022, and 5 efficient stocks in 2023. These shares are included in the efficient share classification because they have an expected return [E(Ri)] that is lower than the individual return (Ri) which indicates a positive value so that based on calculations using the CAPM method, it is recommended that the decision taken by investors is to buy shares.
Analysis of The Relationship Between Profitability and Leverage on Stock Returns in Retail Companies Listed on The Indonesia Stock Exchange (IDX) in 2019–2023 Mutiara Anggreni Dewi; Wisang Candra Bintari; Mitta Muthia Wangsi; Nur Aeni Waly
Jurnal Akuntansi Publik Nusantara Vol. 3 No. 2 (2025): Jurnal Akuntansi Publik Nusantara (JURALINUS), Juli-Desember 2025
Publisher : Ikatan Cendekiawan Muda Akuntansi (ICMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61754/juralinus.v3i2.173

Abstract

This study presents an analysis of the effect of profitability ratios and leverage ratios on the stock returns of retail companies listed on the Indonesia Stock Exchange from 2019 to 2023. The purpose of this study is to provide insight into how these financial metrics influence investor decisions and market performance. The findings indicate that both profitability ratios and leverage ratios have a significant impact on stock returns, highlighting the importance of financial health in attracting investment. This research also emphasizes the need for retail companies to adapt to changing market conditions, especially after the COVID-19 pandemic, which forced many retailers to increase their digital presence and operational strategies. This study contributes to the understanding of financial dynamics in the retail sector and is a valuable resource for academics and practitioners in the field of finance.
Analisis Profitabilitas Dalam Mengukur Kinerja Keuangan PT Adira Dinamika Multi Finance Tbk Periode (2021–2025) Mitta Muthia Wangsi; Herlin Astrid Russel; Nur Aeni Waly; Bekti Wiji Lestari
JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Vol. 4 No. 1 (2026): July
Publisher : CV. Muris Global Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62421/jibema.v4i1.747

Abstract

Penelitian ini bertujuan untuk menganalisis kinerja keuangan PT Adira Dinamika Multi Finance Tbk (ADMF) periode 2021 hingga 2025 menggunakan pendekatan analisis rasio profitabilitas. Di tengah dinamika makroekonomi nasional dan tekanan kenaikan suku bunga acuan (cost of fund), industri pembiayaan dituntut untuk menjaga efisiensi operasional dan kualitas portofolio kredit. Penelitian ini menggunakan metode deskriptif kuantitatif berdasarkan data sekunder dari laporan keuangan tahunan perusahaan. Hasil analisis menunjukkan bahwa rasio Net Profit Margin (NPM), Return on Assets (ROA), Return on Equity (ROE), dan Return on Investment (ROI) mengalami tren pertumbuhan optimal hingga mencapai puncaknya pada periode 2022–2023, sebelum mengalami normalisasi pada tahun 2024–2025 akibat lonjakan beban pendanaan. Meskipun demikian, rasio Gross Profit Margin (GPM) tetap stabil di kisaran 87% hingga 91%, dan ROE konsisten bertahan di atas dua digit (>10%). Temuan ini mengonfirmasi bahwa kinerja keuangan PT Adira Dinamika Multi Finance memiliki tingkat profitabilitas yang cukup tinggi ditandai dengan ekspansi portofolio pembiayaan serta efisiensi beban operasional yang sangat baik.