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All Journal TSARWATICA (Islamic Economic, Accounting, and Management Journal) Jurnal Bersama Pengabdian Kepada Masyarakat
Nurmalita, Septi
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ANALYSIS OF THE EFFECTIVENESS AND EFFICIENCY OF THE REGIONAL BUDGET REALIZATION IN BANTEN PROVINCE FOR 2020–2024: A REGIONAL FISCAL BALANCE PERSPECTIVE Nurmalita, Septi; Sudiati, Rochma; Shaqilla Putri, Deas
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 7 No. 1 (2025)
Publisher : STIESA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35310/tsarwatica.v7i1.1536

Abstract

This study analyzes the effectiveness and efficiency of the realization of the Regional Revenue and Expenditure Budget (APBD) of Banten Province for the years 2020–2024 and its implications for the region's fiscal balance. Using a descriptive qualitative approach and ratio analysis, the study evaluates the performance of revenue realization, expenditure efficiency, and trends in fiscal balance. The results indicate that regional revenue realization generally falls into the effective to highly effective category, reflecting strong fiscal capacity. However, expenditure efficiency shows fluctuations, with two years classified as efficient and the remaining three years as less efficient or inefficient, indicating the need to strengthen budget discipline. In terms of fiscal balance, Banten Province experienced a surplus in 2020 and 2024, while in 2021–2023, a deficit occurred, though still within moderate limits. These findings highlight the importance of improving fiscal management and budget planning to maintain regional fiscal stability sustainably. This research provides empirical contributions to local governments in enhancing APBD performance and strengthening long-term fiscal independence.
Peningkatan Literasi Keuangan melalui Pelatihan Pengelolaan Keuangan Berbasis Excel Bagi Siswa SMP Negeri 93 Jakarta Putri Harynai; Nurmalita, Septi; Halizah Salsabilla, Siti; Rambu Bassae, Ridho
Jurnal Bersama Pengabdian Kepada Masyarakat (SAMAMAS) Vol. 1 No. 4 (2025): Desember 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/samamas.v1i4.310

Abstract

Financial knowledge remains a challenge for middle school students in Indonesia, particularly those at SMP Negeri 93 Jakarta, where many students come from families with limited access to financial education. This issue is underscored by the national financial literacy rate, which stands at a mere 38,03%, as reported by the Financial Services Authority. In response to this pressing need, this study aimed to evaluate the effectiveness of a practical, technology based financial literacy training workshop for junior high school students. The workshop, conducted over one day, was structured in three key stages included pre-test administered via Google Form to assess baseline knowledge, an interactive training session that emphasized essential concept of financial planning and budgeting practices using excel, and a posttest to measure the improvement in understanding. The results showed a significant enhancement in student’s knowledge and awareness regarding personal finance management. This program demonstrates that a straightforward application-based approach can serve as an effective model for financial literacy education, offering potential for replication in other school through collaboration between universities, schools, and local communities.
Co-Authors Halizah Salsabilla, Siti Putri Harynai Rambu Bassae, Ridho Shaqilla Putri, Deas Sudiati, Rochma