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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi J-MAS (Jurnal Manajemen dan Sains) INTEGRITAS : Jurnal Pengabdian Jurnal Riset Bisnis dan Manajemen Reviu Akuntansi dan Bisnis Indonesia Yumary: Jurnal Pengabdian kepada Masyarakat Al-Sharf: Jurnal Ekonomi Islam Islamic Economics and Finance Journal Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Al-Muzdahir: Jurnal Ekonomi Syariah Jurnal Pengabdian Kepada Masyarakat Ekonomi, Pendidikan, dan Sosial Humaniora Enrichment: Journal of Multidisciplinary Research and Development International Journal of Management Research and Economics Jurnal Abdimas Multidisiplin Journal of Business Economics and Management Jurnal EKOBIS (Kajian Ekonomi dan Bisnis) Jurnal Mahasiswa Manajemen, Bisnis, Enterpreneurship
Melisa Ariani Putri
Universitas Sriwijaya
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENYULUHAN LITERASI KEUANGAN DAN MEMBACA PELUANG BISNIS PADA PELAKU UMKM DI DESA KERINJING, OGAN ILIR Raneo, Agung Putra; Prabujaya, Sena Putra; Putri, Melisa A.
Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Vol. 1 No. 3 (2023): Juni
Publisher : CV. Alina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jpki2.v1i3.44

Abstract

Literasi keuangan menjadi hal yang perlu ditingkatkan dalam rangka mengembangkan UMKM di Indonesia. Literasi yang perlu dilakukan terutama terkait dengan pencatatan keuangan dasar dan pengelolaan keuangan. Mampu mengenal dan memanfaatkan peluang bisnis baru juga merupakan hal yang dapat meningkatkan kuantitas dan kualitas UMKM. Metode yang digunakan untuk pengenalan peluang bisnis adalah dengan analisis SWOT. Melalui metode ini peserta dapat mengenali diri pribadi menyangkut kekuatan dan kelemahan serta mampu mengenali lingkungan luar terkait dengan kesempatan dan ancaman. Pengabdian masayarakat ini dilakukan di Desa Kerinjing, Ogan ilir. Peserta terdiri dari 30 orang pelaku UMKM. Jenis usaha relatif berkaitan dengan hasil alam. Rata – rata usia peserta berada pada angka 30 tahun. Metode penyuluhan dilakukan dengan memberi peserta materi cetak lalu dilanjutkan dengan ceramah dan diskusi serta tanya jawab. Dari hasil penyampaian materi dan diskusi, para peserta masih memiliki tingkat literasi keuangan yang rendah. Pencatatan keuangan masih sangat sederhana dan tidak konsisten.  Kata Kunci : Literasi Keuangan, Membaca, UMKM
Analisis Rasio Likuiditas Dan Rasio Profitabilitas (Studi Pada PT Mayora Indah, Tbk Tahun 2018-2020) Melisa A Putri; Aras Tulip; Imam Suroso; Tutik Pebrianti; Indah Mawarni
JURNAL EKOBIS Kajian Ekonomi dan Bisnis Vol. 5 No. 1 (2021): Jurnal EKOBIS Kajian Ekonomi dan Bisnis Vol 5 No 1 (Desember 2021)
Publisher : JURNAL EKOBIS Kajian Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study was to determine the level of liquidity ratios and profitability ratios at PT Mayora Indah, Tbk. This study uses quantitative data, namely the report of PT Mayora Indah, Tbk for the 2018-2020 period. Data collection techniques in this study were in the form of documentation and observation of financial statements and data analysis using descriptive analysis. The results of the study indicate that it is necessary to evaluate the dimensions of the cash ratio, basic earning power, return on assets and return on equity so that in the coming year it will increase.
Era Digitalisasi Ekonomi: Influencer, Literasi Keuangan, Self-control dan Pengaruhnya Terhadap Keputusan Investasi Nyimas Dewi Murnila Saputri; Parama Santati; Melisa Ariani Putri
Reviu Akuntansi dan Bisnis Indonesia Vol. 8 No. 3 (2024): REVIU AKUNTANSI DAN BISNIS INDONESIA
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/rabin.v8i3.22415

Abstract

Latar Belakang: Perkembangan teknologi dan transaksi ekonomi digital mendorong perubahan pola pikir dan perilaku individu dalam pengambilan keputusan ekonomi dan keputusan investasi. Kemudahan dalam akses informasi dan komunikasi melalui media sosial telah memunculkan banyak influencer termasuk dibidang keuangan seperti membagikan tips-tips untuk mulai berinvestasi, cara untuk memilih instrumen investasi, bahkan memberikan saran untuk berinvestasi pada suatu perusahaan. Kemudian akses informasi ini juga dapat meningkatkan literasi keuangan, selain itu menjadikan pengetahuan dasar bagi individu mengenai produk keuangan sebagai acuan pengambilan Keputusan investasi yang memberikan imbal hasil. Selain adanya imbal hasil, investasi juga mempunyai risiko yang menyertainya, disinilah peran individu dalam mengambil keputusan investasi dan melakukan self-control agar tidak terjebak dalam investasi yang merugikan.Tujuan: Penelitian ini bertujuan untuk menguji pengaruh Influencer, literasi keuangan, self-control terhadap keputusan investasi di era ekonomi digital.Metode Penelitian: Sampel penelitian ini yaitu masyarakat Indonesia yang pernah melakukan investasi minimal salah satu dari berbagai macam produk investasi, yang dilakukan dengan teknik non-probability sampling. Ukuran sampel yang digunakan berjumlah 100 dan analisis data menggunakan analisis regresi linier berganda.Hasil Penelitian: Hasil pengujian hipotesis menemukan bahwa Influencer dan self-control terbukti tidak berpengaruh terhadap keputusan investasi, sedangkan variabel literasi keuangan berpengaruh positif signifikan terhadap keputusan investasi.Keaslian/Kebaruan Penelitian: Penelitian ini dapat menjadi bahan rujukan terhadap pengambilan keputusan investasi ditengah gempuran era digitalisasi ekonomi.
Implementation of E-Business in Realizing Green Banking in Sustainable Islamic Banking: A Literature Study Melisa Putri; Muhammad Iqbal Fasa
Jurnal Ekonomi Islam Vol 3 No 2 (2024): August 2024
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/iefj.v3i2.211

Abstract

Digital transformation in the banking industry has driven the implementation of e-business as a primary strategy in realizing green banking, especially in Islamic banking based on the principles of sustainability and fairness. Digitalization through internet banking, mobile banking, and electronic payment systems enables operational efficiency, reduced use of physical resources, and reduced carbon footprint. In addition to increasing financial inclusion, e-business also strengthens transparency and transaction security. However, its implementation faces various challenges, such as digital infrastructure readiness, data security risks, and adaptation to Islamic regulations. Therefore, a comprehensive strategy and policy support are needed to ensure that this transformation is in accordance with Islamic principles and supports sustainability goals. The success of e-business integration in green banking in Islamic banking is highly dependent on technological readiness, supportive regulations, and awareness and active participation from various stakeholders. With proper implementation, Islamic banking can not only increase its competitiveness in the digital era, but also contribute to a more inclusive, efficient, and environmentally friendly financial system. Therefore, further research is needed on the most effective policies and business models to ensure that digitalization in Islamic banking is in line with the principles of green banking and long-term sustainability.
PEMANFAATAN APLIKASI CANVA SEBAGAI MEDIA PROMOSI KREATIF UMKM DI DESA AGROWISATA EDUKASI SUNGAI JAWI, PALEMBANG Santati, Parama; Zunaidah, Zunaidah; Meitisari, Nia; Putri, Melisa Ariani; Lakilaki, Eogenie; Akagani, Apriyan; Hazania, Alfria
INTEGRITAS : Jurnal Pengabdian Vol 9 No 1 (2025): JANUARI - JULI
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat - Universitas Abdurachman Saleh Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/integritas.v9i1.6106

Abstract

Teknologi informasi berperan penting dalam ekonomi digital dewasa ini, terutama dalam memasarkan produk dan jasa, termasuk UMKM di Indonesia. Namun masih banyak UMKM yang belum sepenuhnya memanfaatkan teknik bisnis digital sebagai media promosi kreatif untuk memperkenalkan dan memasarkan produknya. Salah satu UMKM tersebut adalah UMKM Pokdarwis Desa Agrowisata Sungai Jawi Palembang yang memproduksi minuman herbal. Karena keterbatasan pengetahuan dalam pemanfaatan aplikasi digital, kemasan produk yang dihasilkan relatif masih sederhana dengan tampilan merek yang juga masih sederhana, sehingga kurang menarik pembeli. Tujuan kegiatan pengabdian masyarakat ini adalah untuk meningkatkan kompetensi digital anggota UMKM Pokdarwis Palembang, terutama dalam membuat konten promosi yang kreatif dan inovatif berbasis Canva. Peningkatan kompetensi digital ini diharapkan dapat meningkatkan kemampuan UMKM Pokdarwis dalam melakukan promosi melalui media sosial dengan menggunakan aplikasi Canva. Pelaksanaan kegiatan dilakukan dengan metode ceramah, tutorial/pendampingan, dan diskusi. Peserta melakukan praktek membuat konten promosi digital dengan menggunakan aplikasi Canva. Evaluasi dilaksanakan terhadap peningkatan pemahaman peserta akan materi yang dilatih dalam bentuk pre-test dan post-test serta evaluasi pelaksanaan kegiatan. Setelah mendapatkan pelatihan dan pendampingan, kemampuan peserta dalam membuat bahan promosi dengan menggunakan aplikasi Canva semakin baik. Peserta juga mendapat tambahan pengetahuan tentang promosi digital.
Digitalization of Payments in Urban Society Indonesia Nyimas Dewi Murnila Saputri; Fida Muthia; Melisa Ariani Putri
JBTI : Jurnal Bisnis : Teori dan Implementasi Vol. 16 No. 2 (2025): August 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jbti.v16i2.27558

Abstract

This research investigates the influence of users' perceptions of usefulness and ease of use on their intention to adopt digital payment methods, with attitude serving as an intervening factor. By employing the Technology Acceptance Model (TAM), this study delivers meaningful input for technology developers and decision-makers to understand the key elements affecting users’ acceptance of digital payment platforms. Primary data for this study were obtained from a questionnaire of 200 urban communities in Indonesia that use digital payments in transactions using non-probability sampling techniques. This study used the SEM-PLS method using SmartPLS 3. The findings indicated that Perceived Usefulness (X1) does not exert a significant influence on Attitude (Y). However, Perceived Usefulness (X1) is known to be able to influence Behavior Intention (Z) directly. Attitude (Y) significantly affects Behavior Intention (Z). Perceived Ease of Use (X2) significantly influences Attitude (Y). Still, it cannot directly influence Behavior Intention (Z), which means that digital payments must be easy to use to shape supportive attitudes toward digital payments and increase intention to use. While enhancing perceived usefulness can directly increase users’ intention to adopt these technologies, improving ease of use is essential for fostering positive attitudes, which in turn shape behavioral intentions.
Marketing Strategy for Hajj Savings Products to Increase the Number of Customers at PT. Bank Muamalat Stabat Branch Putri, Melisa; Sakdiah, Khairani; Natasya, Febrianti; Armadhani, Sintia; Rahmadi, Fajar; Pane, Santia Pebriyanti
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12589

Abstract

This study aims to analyse the marketing strategy of Hajj savings products in increasing the number of customers at PT Bank Muamalat Stabat Branch. The research method used is quantitative with a field research approach that involves data collection through questionnaires to respondents. The results showed that Bank Muamalat implemented various marketing strategies that included aspects of product, price, place, promotion, people, physical evidence, and process. Hajj savings products are offered with the principles of Mudharabah Muthlaqah and Wadiah Yad Dhamanah, providing flexibility for customers in depositing funds.
Challenges Of Sharia Accounting In The Millenial Generation And The Digital Era 4.0 Charly Marlinda; Melisa Melisa; Dea Natassa; Dhea Amanda Aulia Putri; Nanda Kristia Santoso; Azra Ayue Binti Abdul Rahman
International Journal of Management Research and Economics Vol. 2 No. 1 (2024): February : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v2i1.1222

Abstract

This research aims to determine the challenges of sharia accounting in the millennial generation and the digital era 4.0. The method used in this research is a qualitative method with a systematic review approach. The results of this research conclusion are the main challenges faced in implementing sharia accounting in the millennial generation and the digital era 4.0 including technology adaptation, data security, education and awareness, product innovation, and compliance with sharia principles in financial transactions. The millennial generation, which is increasingly dominant in the market, plays a role in changing consumer patterns, while digital technology 4.0 influences the way business and financial transactions are carried out.
Penguatan Legalitas Usaha Berbasis Information Communication Technology (ICT) dalam Meningkatkan Pendapatan bagi UMKM Maulana, Ahmad; Novalia, Nurkardina; Yuliani, Yuliani; Bashir, Abdul; Putri, Melisa Ariani
Yumary: Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 2 (2023): Desember
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v4i2.2597

Abstract

Purpose: The specific objective to be achieved in this service activity is to assist MSMEs in Burai Village in strengthening business legality, so as to increase competitiveness. Methodology/approach: The method used to implementing community service is service and assistance in meeting needs through service assistance and education. The series of methods used consisted of lectures, demonstrations, and mentoring. Results/findings: The implementation of community service activities in Burai Village received high enthusiasm from MSME players and involved support from the Village Head, community participation, enthusiasm of the participants, and assistance by the service team. On the other hand, the obstacles in this activity involve limited training time and distance, as well as obstacles in training follow-up. The impact of this activity involves increased knowledge about ICT-Based Business Legality, increased interest in entrepreneurship, and forum for marketing products through Digital Marketing. Nonetheless, there still challenges related to the lack of ICT usage and low business capital. Phase two mentoring highlighted legality issues and the lack of ICT utilization by MSMEs. Solutions include improving knowledge of business, SWOT analysis of MSME products, and optimization of digital marketing. It is also focus on appropriate digital media channels, maintaining customer loyalty, and innovative marketing strategies. Limitation: The implementation of mentoring requires limited time, causing the results achieved to be not optimal. The legality of MSMEs in Burai Village can be achieved if the mentoring process is carried out continuously. Contribution: The community service activities in Burai showed high enthusiasm and active support from MSME actors and related parties. Although successful in increasing knowledge and interest in entrepreneurship, challenges that need to be overcome involve limited use of ICT and low business capital.
Peningkatan Kapasitas Manajerial Keuangan melalui Pelatihan Pencatatan Pembukuan UMKM secara Digital di Desa Agrowisata Edukasi Sungai Jawi Palembang Putri, Melisa Ariani; Hadjri, Muhammad Ichsan; Raneo, Agung Putra; M. Shalahuddin; Rere Karita; Muhammad Pradibta; Arnaya Chodijah
Jurnal Pengabdian Kepada Masyarakat Sosial Humaniora Vol 5 No 1 (2025): Juni 2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstrak: UMKM di Indonesia, khususnya UMKM Pokdarwis Desa Sungai Jawi, Palembang seringkali terkendala oleh terbatasnya kapasitas manajerial keuangan. Penelitian ini bertujuan untuk meningkatkan kemampuan pengelolaan keuangan UMKM melalui pelatihan penggunaan aplikasi Buku Warung. Hasil penelitian menunjukkan bahwa pelatihan memberikan dampak positif yang signifikan terhadap peningkatan pemahaman dan keterampilan peserta dalam mencatat transaksi keuangan secara digital. Setelah pelatihan, peserta mampu mengoperasikan aplikasi Buku Warung dengan baik, sehingga meningkatkan akurasi dan efisiensi pencatatan pembukuan. Peningkatan kemampuan ini diharapkan dapat memperkuat pondasi keuangan UMKM dan mendukung keberlanjutan usaha mereka di tengah persaingan bisnis yang semakin ketat.
Co-Authors ., Elfiswandi ABDUL BASHIR, ABDUL Ahmad MAULANA Akagani, Apriyan Andaiyani, Sri Aras Tulip Armadhani, Sintia Arnaya Chodijah Aryansyah, Ary Fakturrachman Aslamia Rosa Azra Ayue Binti Abdul Rahman Charly Marlinda Dea Natassa Dewi, Rindy Citra Dhea Amanda Aulia Putri Eogenie, Eogenie Fida Muthia Hazania, Alfria Imam Suroso Indah Mawarni johannes johannes Joko Setyono Lakilaki, Eogenie M. Shalahuddin Muhammad Ichsan Hadjri Muhammad Iqbal Fasa Muhammad Pradibta Muthia, Fida Nanda Kristia Santoso Natasya, Febrianti Nia Meitisari Nurkardina Novalia Nyimas Dewi Murnila Saputri Nyimas Dewi Murnila Saputri Pane, Santia Pebriyanti Parama Santati Prabujaya, Sena Putra Rahmadi, Fajar Raneo, Agung Putra Rere Karita Rodiah Sakdiah, Khairani Santati, Parama Sintia, Sintia Sry Rosita Tutik Pebrianti Yuliani Yuliani Zunaidah Zunaidah