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All Journal COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Journal Research of Social Science, Economics, and Management SABAJAYA Jurnal Pengabdian Kepada Masyarakat (JUMPER)
Pratama, Vidya Ramadhan Putra
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Humanities Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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Using Asset Allocation Strategy in Sharia Equity Mutual Fund to Shape Optimum Portfolio Pratama, Vidya Ramadhan Putra
Journal Research of Social Science, Economics, and Management Vol. 5 No. 1 (2025): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i1.976

Abstract

The swift advancement of the Islamic finance sector has established Islamic equities mutual funds as a significant vehicle for ethical and value-driven investing, particularly in emerging economies such as Indonesia.  Despite its increasing popularity and compliance with Sharia rules, numerous investors in Sharia equity mutual funds predominantly employ a passive portfolio management strategy, which may hinder the complete optimization of risk-return efficiency.  Numerous elements enable an investor to ascertain their success or failure in an investment.  A crucial aspect in an investor's success is the approach employed in asset allocation and portfolio management.  Consequently, investors must strategically allocate investment assets within the portfolio to maximize returns.  This research seeks to investigate the implementation of asset allocation methodologies in the creation of an optimal portfolio for sharia equities mutual funds.  This research will explicitly examine three alternative strategies in asset allocation: lump sum, dollar-cost averaging, and rebalancing.  The rebalancing procedure will occur in three distinct intervals: quarterly, semi-annually, and annually.  Twenty-six actively managed sharia equities mutual funds registered with the OJK from 2018 to 2024 will serve as research samples for the development of an ideal portfolio.  This study will utilize the Sharpe ratio as a fundamental benchmark for assessing portfolio results.  The research findings suggest that the asset allocation strategy employing a lumpsum or buy-and-hold approach yields the optimal investment returns for sharia equities mutual fund investors.  This discovery may serve as a reference for individual investors or investment managers in future investing deliberations.
Perencanaan Keuangan Dan Implementasi Praktik Investasi Pada Umkm Di Desa Limbangan Barat Kabupaten Garut Pratama, Vidya Ramadhan Putra
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 5 No. 4 (2025): COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v5i4.3322

Abstract

This study aims to analyze and explain the direct and indirect effects of competence, motivation, and organizational culture on employee performance, with leadership style as a moderating variable. The research is descriptive and confirmatory, conducted through field data collection using descriptive survey and explanatory survey methods. The unit of analysis consists of 150 employees at the National Counter-Terrorism Agency (BNPT). Data analysis was performed using multiple regression analysis with Smart PLS. The results indicate that competence and motivation do not have a direct effect on employee performance, while organizational culture has a positive and significant effect. Leadership style does not moderate the relationship between competence and employee performance, but significantly moderates the relationship between motivation and performance. Additionally, leadership style does not moderate the relationship between organizational culture and employee performance.
Pencatatan Keuangan Digital sebagai Strategi Peningkatan Daya Tahan Usaha Mikro di Tengah Persaingan Modern Pratama, Vidya Ramadhan Putra
SABAJAYA Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 06 (2025): SABAJAYA : Jurnal Pengabdian Kepada Masyarakat
Publisher : SABA JAYA PUBLISHER

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Abstract

Perkembangan ekonomi digital dan tingginya persaingan usaha mendorong pelaku usaha mikro untuk memiliki sistem pencatatan keuangan yang efisien dan akurat. Namun, sebagian besar pelaku usaha mikro masih menggunakan pencatatan manual yang rentan terhadap kesalahan, ketidakakuratan, dan keterlambatan dalam pengambilan keputusan. Penelitian ini bertujuan untuk meningkatkan pemahaman dan keterampilan pelaku usaha mikro dalam menggunakan aplikasi pencatatan keuangan digital sebagai strategi untuk memperkuat daya tahan usaha. Kegiatan dilakukan melalui pelatihan dan pendampingan kepada pelaku usaha mikro di Cibeunying Kidul. Hasil pelatihan menunjukkan bahwa peserta mengalami peningkatan pengetahuan mengenai pentingnya pencatatan keuangan digital serta kemampuan dalam mengoperasikan aplikasi pencatatan berbasis teknologi. Selain itu, para peserta mulai menerapkan pencatatan digital dalam kegiatan usaha sehari-hari dan menyadari manfaatnya dalam mengelola arus kas, menyusun laporan keuangan, serta mengambil keputusan usaha yang lebih tepat. Penerapan pencatatan keuangan digital memberikan kontribusi nyata terhadap efisiensi operasional dan keberlanjutan usaha mikro di tengah persaingan modern. Dengan demikian, digitalisasi keuangan menjadi solusi strategis bagi pelaku usaha mikro untuk bertahan dan berkembang di era ekonomi berbasis teknologi.
Behavioral Biases, Digital Payment Adoption, and Personal Financial Planning: Evidence from Millennial and Gen Z Consumers Ali, M. Makhrus; Manap, Abdul; Suroso; Pratama, Vidya Ramadhan Putra
Journal Management & Economics Review (JUMPER) Vol. 3 No. 9 (2026): On Progress
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i9.951

Abstract

The rapid growth of digital payment systems has transformed financial behavior among younger generations, particularly millennials and Generation Z (Gen Z). While digital payments offer convenience and efficiency, their widespread adoption raises concerns regarding behavioral influences and personal financial planning. This study examines the relationships among behavioral biases, digital payment adoption, and personal financial planning among millennial and Gen Z consumers. Using a quantitative research design, data were collected through a structured survey of 320 respondents who actively use digital payment services. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test direct, mediating, and generational effects. The results indicate that behavioral biases significantly and negatively affect personal financial planning, while positively influencing digital payment adoption. Digital payment adoption is also found to have a significant negative effect on personal financial planning and partially mediates the relationship between behavioral biases and financial planning. Furthermore, multi-group analysis reveals that these negative effects are stronger among Gen Z consumers compared to millennials. These findings contribute to the behavioral finance and fintech literature by highlighting the psychological mechanisms through which digital payment systems influence financial planning. Practically, the study emphasizes the need for behavioral-based financial education and digital payment design features that promote mindful spending and long-term financial discipline among younger generations.
Co-Authors Ali, M. Makhrus Manap, Abdul Suroso