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All Journal Jurnal Penelitian Ekonomi dan Bisnis Jurnal Pengabdian kepada Masyarakat Nusantara Moneta : Journal of Economics and Finance
Sapta, Andriyan Eka
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Income, Islamic Financial Literacy, and Education on Well-Being through Financial Planning in Semarang Sapta, Andriyan Eka; Samani; Nurhayati, Ida; Karyanti, Tutik Dwi; Wardana, Yanuar Wendy
Moneta : Journal of Economics and Finance Vol. 3 No. 3 (2025): July 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v3i3.819

Abstract

The COVID-19 pandemic has caused economic instability in Indonesia, including in Semarang City, which has impacted the increasing poverty rate and difficulties in managing family finances. Under these conditions, financial literacy and financial planning have become crucial aspects that can help society face economic challenges. This research examines how income, Islamic financial literacy, and education influence community welfare through financial planning in the context of post-pandemic economic recovery. This research uses the Structural Equation Model (SEM) method based on variance with AMOS version 20 and involves 149 respondents selected using purposive sampling technique to analyze the relationships between income, Islamic financial literacy, education, financial planning, and welfare. The research results show that income does not have a significant influence on financial planning, while Islamic financial literacy and education have positive influences on financial planning. The study confirms that good financial planning contributes significantly to improving community welfare, with families having mature financial strategies being better able to achieve economic stability. These findings confirm the importance of improving Islamic financial literacy and broader access to education as main strategies to enhance community welfare. With better financial understanding, society can be wiser in managing income and developing more effective financial planning to achieve a more prosperous life, particularly in post-pandemic economic recovery contexts.
Factors Affecting Non-Performing Financing in Islamic Rural Banks: A Case Study of selected East Java Province Sapta, Andriyan Eka
Jurnal Penelitian Ekonomi dan Bisnis Vol. 10 No. 2 (2025): September 2025
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v10i2.12252

Abstract

This study aims to analyze the significance of the influence of Financing to Deposit Ratio, Operational Costs to Operational Income, Capital Adequacy Ratio, Gross Domestic Product, and BI-Rate on Non-Performing Financing at Islamic Rural Banks in East Java for the 2020–2023 period, either simultaneously or partially. The sample in this study were 22 (twenty-two) Islamic Rural Banks in East Java, which were selected using a purposive sampling technique. The analysis model used in this study is a panel data regression analysis model. The results of proving the hypothesis and discussion show that the Financing to Deposit Ratio, Operational Costs to Operational Income, Capital Adequacy Ratio, Gross Domestic Product, and BI-Rate simultaneously have a significant effect on Non-Performing Financing. Furthermore, Financing to Deposit Ratio partially has a positive but not significant effect on Non Performing Financing, Operational Costs to Operational Income and Gross Domestic Product partially has a positive and significant effect on Non-Performing Financing, Capital Adequacy Ratio partially has a negative significant on Non Performing Financing, and BI-Rate partially has a negative but not significant effect on Non-Performing Financing at Islamic Rural Banks in East Java for the 2020–2023 period.
Pendampingan Tata Kelola Ekowisata Kalitalang Melalui Pemetaan Tata Letak Camping Ground dan Penerapan Pemesanan Digital Arbainah, Siti; Hendrawanto, Yusuf; Sapta, Andriyan Eka; Sam’ani, Sam’ani
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 3 (2025): Edisi Juli - September
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i3.6796

Abstract

Ekowisata Kalitalang merupakan salah satu destinasi wisata yang menawarkan pengalaman berkemah di lereng Gunung Merapi, Klaten. Produk unggulan dari kawasan ini adalah persewaan camping ground. Namun, pengelolaan yang belum optimal, seperti pendirian tenda secara bebas oleh wisatawan dan belum adanya sistem pemesanan yang terstruktur, menimbulkan berbagai permasalahan. Tim pengabdian masyarakat dari Jurusan Akuntansi Politeknik Negeri Semarang melaksanakan kegiatan pemberdayaan masyarakat dengan mitra Pokdarwis Danurwenda Balerante untuk mengatasi permasalahan tersebut. Kegiatan ini mencakup pendampingan dalam pemetaan tata letak area camping ground dan implementasi sistem pemesanan digital. Metode yang digunakan meliputi tahap sosialisasi serta pelaksanaan pendampingan secara langsung. Hasil dari kegiatan ini adalah tersusunnya denah tata letak camping ground yang lebih teratur serta diterapkannya sistem pemesanan digital yang mempermudah pengelolaan reservasi. Temuan ini menunjukkan bahwa pengelolaan wisata berbasis sistem digital dapat meningkatkan efektivitas layanan dan kenyamanan wisatawan. Hasil pengabdian ini penting sebagai model pengelolaan wisata berkelanjutan yang dapat direplikasi di destinasi wisata serupa.
Co-Authors Arbainah, Siti Hendrawanto, Yusuf Ida Nurhayati Karyanti, Tutik Dwi Samani Sam’ani, Sam’ani Wardana, Yanuar Wendy