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All Journal Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Jurnal Pendidikan Terapan JURNAL EKONOMI BISNIS DAN MANAJEMEN AKPEM : Jurnal Akuntansi Keuangan Dan Akuntansi Pemerintahan Media Akuntansi Perpajakan Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Phinisi Applied Accounting Journal Jurnal Akademik Pengabdian Masyarakat Journal of Innovative and Creativity Jurnal Ilmiah Manajemen dan Akuntansi Indonesian Journal of Innovation Multidisipliner Research Islamic Financial And Accounting Review
Ambarwati Akib
Universitas Negeri Makassar
Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Praktik Pengelolaan Keuangan di Kelurahan Tamallayang, Kecamatan Bontonompo AMBARWATI AKIB; NURKHOLIFAH BURHANUDDIN; NURUL EMIL SAFITRI; NADYA ANNISA NASRUDDIN; ANDI NURUL TENRIWALI HASANUDDIN
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 4 No. 3 (2026): Mei
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v4i3.9753

Abstract

Household financial management is a crucial aspect in maintaining family economic stability; however, the level of financial literacy among the community, particularly housewives, remains relatively low. This condition leads to inadequate financial planning, lack of transaction recording, and low saving behavior. This community service activity aims to improve the knowledge and skills of housewives in managing household finances through simple and practical financial literacy practices in Tamallayang Village, Bontonompo District. The methods used include counseling, interactive discussions, budgeting practice, and evaluation through pre-test and post-test. The activity involved 20 participants from the local community. The results indicate a significant improvement in participants’ knowledge, with the “good” category increasing from 25% to 85% after the training. This demonstrates that contextual and practice-based learning methods are effective in enhancing financial literacy. Therefore, this program successfully encourages more disciplined and planned financial behavior, contributing to improved family welfare. It is recommended that similar programs be implemented sustainably and expanded to achieve a broader impact.   Keywords.:financial literacy, financial management, housewives, community service, financial management practices
EARLY SUSTAINABLE FINANCE PRACTICES IN A REGIONAL DEVELOPMENT BANK BRANCH IN MAROS Ambarwati Akib; Adriansyah Adriansyah; Nurkholifah Burhanuddin
Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Vol. 11 No. 1 (2026): Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/kurs.v11i1.6001

Abstract

Penelitian ini menganalisis praktik awal keuangan berkelanjutan pada Bank Sulselbar Cabang Maros sebagai cabang bank pembangunan daerah yang beroperasi dalam ekosistem ekonomi lokal. Isu ini penting karena praktik keberlanjutan pada tingkat cabang sering tidak terlihat dalam pelaporan keberlanjutan formal, padahal cabang menjadi penghubung langsung bank dengan pemerintah daerah, aparatur sipil negara, UMKM, dan masyarakat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus. Data utama diperoleh dari laporan wawancara lapangan tahun 2025, sedangkan data sekunder berasal dari regulasi keuangan dan literatur ilmiah tentang green banking, ESG, inklusi keuangan digital, dan tata kelola risiko perbankan. Data dianalisis secara tematik melalui empat dimensi, yaitu produk keuangan hijau, digitalisasi layanan, pembiayaan sektor produktif, dan tata kelola risiko. Hasil penelitian menunjukkan bahwa keuangan berkelanjutan pada cabang masih berada pada tahap inisiasi, yang tercermin pada pengembangan tabungan hijau, pembiayaan ramah lingkungan percontohan, mobile banking, integrasi QRIS dan e-wallet, kredit UMKM, serta penilaian risiko berbasis KYC, AML, SLIK, dan 5C. Penelitian menyimpulkan bahwa praktik cabang dapat mendukung keuangan berkelanjutan apabila diperkuat melalui dokumentasi, pemetaan portofolio, dan indikator risiko lingkungan-sosial. This study examines early sustainable finance practices at Bank Sulselbar Maros Branch as a regional development bank branch embedded in a local economic ecosystem. The issue is important because branch-level sustainable finance practices are often less visible in formal sustainability reporting, even though branches connect banks directly with local governments, civil servants, MSMEs, and communities. The research uses a descriptive qualitative approach with a case study design. Primary data were obtained from a 2025 field interview report, while secondary data came from financial regulations and scholarly literature on green banking, ESG, digital financial inclusion, and banking risk governance. The data were analysed thematically through four dimensions: green financial products, service digitalisation, productive-sector financing, and risk governance. The findings show that sustainable finance at the branch remains at an initiation stage, reflected in green savings development, pilot environmentally friendly financing, mobile banking, QRIS and e-wallet integration, credit provision for MSMEs, and KYC, AML, SLIK, and 5C-based risk assessment. The study concludes that branch practices can support sustainable finance when strengthened through documentation, portfolio mapping, and environmental-social risk indicators.
Pelatihan Artificial Intelligence (AI) Gemini sebagai Sarana Pengembangan Bahan Ajar Interaktif untuk Guru Fajriani Azis Azis; Magfirah Wahyu Ramadhani; Ambarwati Akib; Dwi Ayu Siti Hartinah H.; Rafiqa Hastharita
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 9 (2026): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i9.12601

Abstract

Teachers need practical competence to transform generative artificial intelligence into contextual teaching materials. This community service strengthened senior high school teachers’ ability to use Gemini for drafting interactive materials and formulating precise prompts. The activity was conducted at SMA Negeri 3 Takalar through a needs dialogue, demonstration, guided practice, question-and-answer sessions, and reflective evaluation. Evidence came from observation, participant questions, prompt templates, and documentation. Participants recognized Gemini’s functions in planning, content presentation, assessment, and administrative support. Their main difficulty was converting pedagogical needs into specific instructions. The team responded by introducing a role-task-context-format framework and reusable, ready-to-paste prompts. Teachers practiced adapting prompts to subjects and student characteristics while checking factual accuracy, curriculum alignment, privacy, and bias. The training produced a practical prompt bank and an operational workflow that retained teachers as final decision-makers. Hands-on assistance, structured prompts, and verification routines made Gemini more useful, safe, and relevant for teaching-material development
SELF-DIRECTED LEARNING IN DIGITAL ACCOUNTING EDUCATION: A NARRATIVE STUDY OF STUDENTS’ EXPERIENCES IN MASTERING ACOUNTING APPLICATIONS Magfirah Wahyu Ramadhani; Ambarwati Akib; Dwi Utami
Islamic Financial And Accounting Review Vol. 4 No. 2 (2026): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v4i2.16972

Abstract

This study aims to explore the self-directed learning experiences of Accounting Education students at Universitas Negeri Makassar in mastering digital accounting applications. This topic is important because the digital transformation of accounting education requires students not only to understand accounting concepts theoretically but also to independently operate digital accounting applications through adaptive, reflective, and continuous learning processes. This study employed a qualitative approach using a narrative research design. Participants were selected through purposive sampling, involving Accounting Education students who had experience using digital accounting applications in learning activities, practical sessions, or other academic contexts. Data were collected through semi-structured interviews, limited observations, documentation of learning artifacts, and students’ written reflections. The findings reveal several key themes, including initial confusion and digital anxiety, trial-and-error learning strategies, utilization of digital learning resources, peer support, metacognitive evaluation, and the transformation of students’ identities as prospective digital accounting educators. These findings indicate that mastering digital accounting applications is not merely a technical skill acquisition process but also a meaningful learning experience that develops students’ independence, resilience, adaptability, and professional readiness. This study contributes to the development of self-directed learning research in digital accounting education by highlighting how students construct knowledge, overcome technological challenges, and develop professional competencies through independent and reflective learning processes. The findings also provide practical implications for designing accounting education curricula that are more reflective, collaborative, and experience-based in response to digital transformation.
Co-Authors Adriansyah Adriansyah Adriansyah Andi Nurul Tenriwali Hasanuddin Dwi Ayu Siti Hartinah H. Dwi Utami Fajriani Azis Azis Magfirah Wahyu Ramadhan Magfirah Wahyu Ramadhani Nadya Annisa Nasruddin Nurkholifah Burhanuddin Nurul Chalisa Majiding Nurul Emil Safitri Rafiqa Hastharita Salma, Dini Kamilia Sri Utami sri.utami@unm.ac.id Yulianti Karoma