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All Journal Jurnal Ilmiah Ekonomi dan Manajemen Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Indonesia Economic Journal
Septiannisa Paramita
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Economics, Econometrics & Finance Environmental Science Social Sciences Other

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LITERASI KEUANGAN TERHADAP KINERJA BISNIS PADA UMKM MELALUI ENTREPRENEUR MINDSET Septiannisa Paramita; Hikmayani Subur
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 11 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i12.7517

Abstract

This study aims to examine the influence of financial literacy on the business performance of Micro, Small, and Medium Enterprises (MSMEs), with the entrepreneur mindset as a mediating variable. Financial literacy is defined as a strategic skill in financial management, investment optimization, and business risk mitigation, while the entrepreneur mindset serves as a key driver in fostering innovation, bold decision-making, and risk adaptation. Using a qualitative research method through in-depth interviews with five MSME actors in Rappocini District, Makassar City, the study reveals that adequate financial literacy positively contributes to financial management, operational efficiency, and business growth. The entrepreneur mindset is found to strengthen the relationship between financial literacy and business performance, particularly in aspects of innovation, strategic decision-making, risk tolerance, and leadership ability. These findings highlight the importance of integrating financial literacy and entrepreneurial mindset in building resilient and competitive MSMEs in the digital era. The study also recommends the development of financial education programs and entrepreneur mindset training based on the actual needs of MSMEs as a strategy to enhance national competitiveness.
Pemanfaatan Teknologi Aplikasi dengan Logo dalam Meningkatkan Efisiensi Operasional dan Strategi Pemasaran UMKM Kampus Laundry Irwandi; Abdul Rajab; Wahyu Muh. Syata; Septiannisa Paramita; Nurliana
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 6 (2025): DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/rnhcfz21

Abstract

Pegabdian ini berfokus pada penerapan teknologi digital dan strategi branding dalam meningkatkan efisiensi operasional serta daya saing UMKM, khususnya pada sektor jasa laundry. Studi kasus dilakukan pada "Kampus Laundry," sebuah usaha kecil yang melayani mahasiswa di sekitar Kampus Universitas Negeri Makassar. Tujuan utama Pegabdian ini adalah untuk memahami bagaimana edukasi digital, seperti penggunaan aplikasi layanan dan desain logo, dapat mempengaruhi performa bisnis. Metode yang digunakan adalah pendekatan kualitatif melalui wawancara langsung dengan pemilik usaha. Hasil Pegabdian mengungkapkan bahwa penggunaan media sosial sebagai sarana promosi digital membantu meningkatkan visibilitas dan menarik pelanggan baru, terutama mahasiswa yang membutuhkan layanan laundry cepat dan praktis. Selain itu, integrasi teknologi pembayaran digital seperti QRIS mempermudah transaksi dan meningkatkan kepuasan pelanggan. Pengembangan logo untuk Kampus Laundry juga berperan penting dalam membangun identitas brand yang kuat, memudahkan pelanggan dalam mengenali layanan, dan membedakan bisnis ini dari kompetitor lainnya. Pegabdian ini menekankan bahwa di era digital saat ini, edukasi terhadap pelaku UMKM sangat penting, terutama dalam memanfaatkan teknologi digital dan strategi pemasaran online. Pemberian logo dan branding yang efektif mampu memberikan nilai tambah bagi usaha kecil. Selain itu, perluasan layanan melalui penambahan mesin dan strategi promosi diskon juga diidentifikasi sebagai langkah penting untuk meningkatkan daya saing bisnis, terutama dalam menghadapi tantangan persaingan dan kendala operasional seperti kelangkaan bahan bakaPegabdian ini menyarankan agar UMKM seperti Kampus Laundry terus berinovasi dengan memanfaatkan teknologi, memperkuat identitas brand, dan fokus pada kepuasan pelanggan untuk mencapai keberhasilan jangka panjang di pasar yang kompetitif.
Analisis Faktor-Faktor yang Mempengaruhi Pengelolaan Keuangan Pribadi Mahasiswa Hikmayani Subur; Septiannisa Paramita
Indonesia Economic Journal Vol. 1 No. 2 (2025): DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/4ae02215

Abstract

This study aims to analyze the factors influencing personal financial management among students at the Faculty of Economics and Business, Makassar State University. Using a descriptive qualitative approach, data were collected through in-depth interviews, non-participatory observation, and documentation from 12 purposively selected informants. Thematic analysis revealed five main factors influencing students' financial behavior: financial literacy, a consumptive lifestyle, limited income, social influences, and mindsets about money. Although students have a basic understanding of financial concepts such as recording expenses and budgeting, their application is often hampered by a lack of discipline, social pressure, and consumptive habits influenced by digital media and peer groups. Limited income also hinders the ability to plan long-term finances, leading some students to experience financial stress and unstable financial behavior. Furthermore, mindsets about money have been shown to shape students' financial decisions, with a positive mindset increasing the likelihood of wiser financial behavior. These findings emphasize the importance of applicable financial literacy education, strengthening self-control, and developing a healthy financial mindset to improve the quality of students' personal financial management.
Co-Authors Abdul Rajab Hikmayani Subur Irwandi Nurliana Wahyu Muh. Syata