Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Jurnal Medika: Medika Sumber Informasi Manajemen Bisnis dan Akuntansi
Luthfiar Ramiady
Universitas Muhammadiyah Aceh
Religion Humanities Dentistry Economics, Econometrics & Finance Health Professions Medicine & Pharmacology Nursing Public Health Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
FINANCIAL LITERACY AND HOUSEHOLD SAVING BEHAVIOR: A COMPARATIVE STUDY OF URBAN AND RURAL COMMUNITIES IN INDONESIA Luthfiar Ramiady; Hendri Bin Muhammad Nur
SUMBER INFORMASI MANAJEMEN BISNIS DAN AKUNTANSI Vol 2 No 2 (2025): Jurnal SIMBAN
Publisher : Gabungan Riset Edukasi dan Ekplorasi Teori (GREET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/simban.v2i2.40

Abstract

This study examines the relationship between financial literacy and household saving behavior in Indonesia, focusing on disparities between urban and rural communities. Employing a mixed-methods design, the research combines survey data from 500 households with in-depth interviews to capture both quantitative patterns and qualitative insights. The findings reveal significant literacy gaps: 65% of urban households demonstrate a basic understanding of financial concepts compared to only 35% of rural households. These disparities translate into distinct saving practices, with urban families more likely to engage in formal banking and investment, while rural households rely on informal mechanisms with limited long-term security. Cultural norms, digital access, and income levels further mediate these dynamics. Notably, households participating in targeted financial education programs reported a 20% increase in savings within six months, underscoring the transformative potential of structured interventions. The study highlights the dual role of technology as an enabler in urban contexts and a barrier in rural areas, pointing to the urgent need to address the digital divide. By integrating cultural sensitivity, technological inclusion, and community-based approaches, policymakers and educators can design more effective strategies to enhance financial literacy. Beyond immediate saving behavior, the study emphasizes the broader implications of literacy for economic resilience, equity, and sustainable development.
Pelatihan Kreativitas Dekorasi Puding dan Optimalisasi Pemasaran Digital sebagai Upaya Peningkatan Pendapatan Masyarakat Nara Pristiwa; Aida Fitri; Harbiyah G; Intan Rizkia Chudri; Luthfiar Ramiady; Nilazarni Nilazarni
Jurnal Medika: Medika in progres
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/9315tt66

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan keterampilan dan pendapatan masyarakat melalui pelatihan kreativitas dekorasi puding yang dipadukan dengan optimalisasi pemasaran digital. Program ini dilaksanakan dengan pendekatan partisipatif, melibatkan masyarakat secara aktif dalam proses pelatihan mulai dari teknik dasar hingga pengembangan desain puding yang bernilai estetika dan ekonomis. Selain itu, peserta juga dibekali pengetahuan mengenai strategi pemasaran digital, seperti pemanfaatan media sosial, pembuatan konten promosi, serta teknik komunikasi pemasaran yang efektif untuk menjangkau konsumen yang lebih luas, khususnya pada pasar acara seperti pesta pernikahan. Hasil kegiatan menunjukkan adanya peningkatan keterampilan peserta dalam menghasilkan produk puding yang lebih menarik dan memiliki nilai jual lebih tinggi. Di sisi lain, pemahaman terhadap pemasaran digital turut mendorong peserta untuk mulai memasarkan produk secara mandiri melalui platform online. Dengan demikian, kegiatan ini berkontribusi dalam membuka peluang usaha baru dan meningkatkan pendapatan masyarakat secara berkelanjutan
Co-Authors Aida Fitri Harbiyah G Hendri Bin Muhammad Nur Intan Rizkia Chudri Nara Pristiwa Nilazarni Nilazarni