Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal JCOMENT (Journal of Community Empowerment) Journal of Economics and Social Sciences
Ratih Purbowisanti
Universitas Alma Ata Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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

Found 2 Documents
Search

 1 
Peningkatan tata kelola keuangan masjid berbasis andorid untuk transparansi dan keberlanjutan Dhidhin Noer Ady Rahmanto; Ragil Satria Wicaksana; Ratih Purbowisanti
JCOMENT (Journal of Community Empowerment) Vol. 6 No. 4 (2025): Community Empowerment
Publisher : The Journal Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55314/jcoment.v6i4.1096

Abstract

Tata kelola keuangan masjid yang akuntabel menjadi prasyarat kepercayaan jamaah dan keberlanjutan program kemasjidan. Namun, praktik di lapangan menunjukkan pencatatan kas masih dominan manual, format laporan tidak seragam, pengarsipan bukti transaksi tidak tertib, serta ketergantungan pada satu bendahara. Kegiatan pengabdian ini bertujuan meningkatkan transparansi dan akuntabilitas pengelolaan kas masjid melalui pendampingan digital menggunakan aplikasi berbasis Android melalui AppSheet yang dilengkapi buku panduan. Metode pelaksanaan menggunakan pendekatan Participatory Action Research (PAR) melalui tahapan: (1) koordinasi dan survei awal, (2) asesmen kebutuhan dan FGD, (3) buku panduan dan pengembangan aplikasi, (4) pelatihan dan praktik input transaksi, (5) pendampingan implementasi dan monitoring, serta (6) evaluasi dan rencana keberlanjutan. Evaluasi dilakukan melalui kuesioner penerimaan teknologi yang mengukur perceived usefulness, perceived ease of use, fasilitas pendukung, pengaruh sosial, kepercayaan & keamanan siber, persepsi transparansi & akuntabilitas, serta behavioral intention to adopt aplikasi. Hasil kegiatan menunjukkan mayoritas peserta menerima aplikasi dengan baik karena memudahkan rekap kas dan memperjelas laporan, namun hambatan utama muncul pada peserta usia lanjut yang memiliki keterbatasan literasi digital. Kegiatan merekomendasikan pendampingan berulang (micro-coaching), penunjukan PIC ganda (bendahara dan kader administrasi), serta mekanisme backup dan kontrol akses untuk memastikan keberlanjutan. Implikasi kegiatan ini adalah tersedianya model pemberdayaan tata kelola keuangan masjid yang mudah direplikasi melalui pembinaan DMI.
Financial Well-Being Stratification among Urban Households: A Multinomial Logit Analysis of Digital Payments, Saving Behavior, and Credit Access Dhidhin Noer Ady Rahmanto; Ragil Satria Wicaksana; Ratih Purbowisanti
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1323

Abstract

Rising global economic uncertainty in the aftermath of the COVID-19 pandemic has underscored the importance of household financial well-being (FWB) as a key pillar of economic resilience, particularly in urban settings. This study analyzes how digital payment adoption, saving behavior, and access to credit contribute to the stratification of FWB among urban households in Indonesia. The analysis uses microdata from the 2017 Survey on Financial Inclusion and Access (SOFIA), focusing on a sub-sample of 2,368 urban households aged 19–40 years across four provinces. FWB is constructed as an ordered categorical variable with four levels Low, Medium, High, and Very High based on multiple indicators of financial capability and access. A multinomial logit model is employed, with results interpreted using Average Marginal Effects (AMEs). The findings indicate that regular saving behavior and access to formal credit are the most consistent determinants of upward mobility across FWB categories. Regular saving significantly reduces the likelihood of being in the Low and Medium FWB categories and substantially increases the probability of attaining High FWB. Access to credit strongly increases the likelihood of reaching the Very High FWB category. The results suggest that financial inclusion in urban contexts should be understood as a combination of disciplined financial behavior and deeper engagement with formal financial services
Co-Authors Dhidhin Noer Ady Rahmanto Ragil Satria Wicaksana