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All Journal International Journal of Management Science and Application Jurnal Pengabdian Masyarakat Sultan Indonesia
Ardiansyah Rasyid
Faculty of Economics & Business, Universitas Tarumanagara, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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The Relationship Between Seller Ethical Habits, Customer Satisfaction, and Customer Trust and Loyalty Ardiansyah Rasyid; Arifin Djakasaputra
International Journal of Management Science and Application Vol. 4 No. 2 (2025): IJMSA
Publisher : Sultan Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58291/ijmsa.v4i2.365

Abstract

Customer loyalty is a crucial driver for expanding market networks and sustaining business growth. Both loyalty and satisfaction form the foundation of customer relationship management (CRM), which is widely regarded as a strategic tool for achieving competitive advantage. Ethical sales practices have also been identified as vital in establishing and maintaining long-term customer relationships. This study collected data from 112 sportswear consumers selected through purposive sampling techniques. Data were obtained using a structured questionnaire, and the analysis was conducted using Structural Equation Modeling (SEM) with the SmartPLS software. The findings reveal that ethical sales behavior exerts a positive influence on customer satisfaction. Although ethical behavior also shows a positive but insignificant effect on customer loyalty, it significantly enhances customer trust. Furthermore, customer satisfaction significantly and positively influences customer loyalty, and customer trust also emerges as a significant determinant of loyalty. These results highlight the importance of ethical practices in building sustainable customer relationships.
Pelatihan Literasi Finansial Pada Usaha Mikro Kecil Menengah (UMKM) Ardiansyah Rasyid; Hendrik Hendrik; Rio Fernando
Jurnal Pengabdian Masyarakat Sultan Indonesia Vol. 2 No. 1 (2025): Abdisultan
Publisher : Sultan Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58291/abdisultan.v2i1.408

Abstract

Pelatihan literasi finansial bagi Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan upaya strategis untuk meningkatkan kapasitas manajemen keuangan usaha. Banyak pelaku UMKM menghadapi kendala dalam memisahkan aset pribadi dan usaha, melakukan pencatatan arus kas, serta menyusun laporan keuangan sederhana. Kegiatan ini bertujuan untuk membekali mitra dengan keterampilan literasi finansial yang aplikatif, sehingga mampu mengelola keuangan usaha secara lebih terukur dan profesional. Metode yang digunakan meliputi penyuluhan, praktik pencatatan keuangan, simulasi analisis rasio finansial seperti Return on Assets (ROA), margin laba, biaya operasional, serta evaluasi pemahaman mitra sebelum dan sesudah pelatihan. Hasil kegiatan menunjukkan adanya peningkatan signifikan dalam pemahaman dan keterampilan mitra, khususnya dalam hal pemisahan keuangan pribadi dan usaha, pencatatan kas harian, serta penyusunan laporan keuangan sederhana. Selain itu, mitra juga lebih mampu menilai kinerja usaha secara objektif melalui penerapan analisis keuangan. Secara keseluruhan, pelatihan ini terbukti efektif dalam meningkatkan literasi finansial mitra. Pencatatan yang lebih terstruktur tidak hanya memperkuat transparansi dan akurasi keuangan, tetapi juga mendukung perumusan strategi usaha yang lebih berkelanjutan dan berorientasi pada daya saing.
The Role of Financial Behaviour in Improving Financial Literacy: A Study of Indonesian Students Abroad Ardiansyah Rasyid; Antonia Devina Natasha; Ruth Serafina Dharmawan; Richardo Tan; Stevhen Tjiontara
International Journal of Management Science and Application Vol. 5 No. 1 (2026): IJMSA
Publisher : Sultan Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58291/ijmsa.v5i1.542

Abstract

Financial literacy is a crucial competence in navigating the increasing complexity of the modern global economy, particularly for students studying abroad who must manage their finances independently. This study aims to analyze the influence of financial knowledge, financial attitude, and financial behavior on the financial literacy of Indonesian students studying overseas. A quantitative approach was employed using a survey method involving 50 respondents selected through purposive sampling. Data were collected using a structured questionnaire based on a five-point Likert scale and analyzed using SEM-PLS. The results indicate that financial behavior has a positive and significant effect on financial literacy, whereas financial knowledge and financial attitude do not show significant effects. The coefficient of determination (R² = 0.818) suggests that the model has strong explanatory power. These findings highlight the importance of practical financial behavior over theoretical knowledge and attitudes in improving financial literacy. This study contributes to the literature by emphasizing the existence of a knowledge–behavior gap and underlining the need for practice-oriented financial education to enhance sustainable financial literacy among students.
Co-Authors Antonia Devina Natasha Arifin Djakasaputra Hendrik Hendrik Richardo Tan Rio Fernando Ruth Serafina Dharmawan Stevhen Tjiontara