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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Informasi dan Teknologi Community Engagement and Emergence Journal (CEEJ) INVEST : Jurnal Inovasi Bisnis dan Akuntansi DEVOTE: Jurnal Pengabdian Masyarakat Global Fundamental and Applied Management Journal
Rizka Aisyah Nurjannah
Universitas Cenderawasih
Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Social Sciences Other

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Investment Knowledge in the Young Generation: A Theory of Reasoned Action Perspective Rizka Aisyah Nurjannah; Firmansyah; Alfira
Fundamental and Applied Management Journal Vol. 2 No. 2 (2024): December
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/famj.v2i2.2250

Abstract

This study aims to explore the investment knowledge of students from the Faculty of Economics and Business at Universitas Negeri Makassar using the Theory of Reasoned Action framework. Basic investment knowledge is crucial for prospective investors to avoid irrational investment practices, such as gambling, following trends without analysis, falling victim to fraud, and facing significant financial losses. Adequate knowledge, experience, and business instincts are essential for analyzing which assets to invest in within the capital market. Understanding the correct methods of investing is vital to minimize the risk of losses, particularly in stock market investments. While the growth of investors in Indonesia's capital market is promising, the overall interest in investing remains relatively low compared to other countries. This study underscores the importance of enhancing investment education to better prepare young investors. By increasing their financial literacy and decision-making capabilities, we can help foster a more robust investment culture and contribute to the financial well-being of the young generation.
PENDAMPINGAN PENATAUSAHAAN DAN PENYUSUNAN LAPORAN KEUANGAN UMKM BERBASIS DIGITAL DI KAMPUNG ENGGROS Ulfah Rizky Muslimin; Elia Madatu Tandililing; Putri Ratnasari; Maria Apriyane Patty; Rizka Aisyah Nurjannah; Bucek Jalu Prasetyo Arjuna; Gian Giovania; Yulianti Karoma; Alfonsina S.S Wanma
Devote: Jurnal Pengabdian Masyarakat Global Vol. 5 No. 1 (2026): Devote : Jurnal Pengabdian Masyarakat Global, Maret 2026
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/devote.v5i1.5653

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in supporting national and regional economic stability. In Papua, the MSME sector continues to develop as a key driver of the local economy. However, many MSME actors still face challenges in financial management, such as the lack of transaction recording, the absence of separation between personal and business finances, and limited understanding of financial reporting. This condition results in a low ability to control cash flow and to access formal financing sources. The use of digital technology through financial applications has become an effective solution to improve efficiency and transparency in MSME financial management. One recommended application is SIAPIK (Sistem Informasi Aplikasi Pencatatan Informasi Keuangan), developed by Bank Indonesia, which helps business actors prepare simple digital-based financial reports. This community service activity was conducted in Kampung Enggros, Distrik Abepura, Kota Jayapura, Provinsi Papua, aiming to provide assistance in bookkeeping and the preparation of digital-based financial reports for local micro business actors. The methods used include socialization, training, and participatory assistance in the use of the SIAPIK application. The results show a significant improvement in participants’ understanding of transaction recording, asset management, pricing determination, and receivables and payables management. In addition, business actors are able to operate the SIAPIK application independently and produce valid financial reports to support decision-making and access to financing.
An Empirical Study on the Influence of Financial Literacy on Personal Financial Management among University Students in Indonesia Putri Ratnasari; Rizka Aisyah Nurjannah; Yulianti Karoma
Jurnal Informasi dan Teknologi 2025, Vol. 7, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.vi0.679

Abstract

This study aims to analyze the impact of financial literacy on personal financial management among university students in Indonesia. Additionally, this study explores the role of digital technology usage in enhancing students' personal financial management. Using a quantitative descriptive approach, data was collected through a survey distributed to students from various universities in Indonesia. The results indicate that financial literacy significantly influences students' personal financial management. Students with higher financial literacy are more likely to manage their budgets effectively, save regularly, and avoid excessive debt. Furthermore, the use of digital technology such as mobile banking apps and digital wallets has been shown to improve students' personal financial management by making it easier for them to track expenses and monitor budgets in real-time. However, demographic factors such as gender and age did not show a significant effect on students' personal financial management in this study. The findings suggest that increasing financial literacy and utilizing digital technology can enhance students' personal financial management. Therefore, it is crucial for universities and policymakers to design more effective educational programs on financial literacy and digital technology so that students can better manage their finances. This research provides valuable insights for the development of financial education curricula that are relevant to the financial challenges faced by students in the digital age.
Financial Literacy, Capital Structure, and Financial Planning as Determinants of MSME Sustainability: Mediating Role of Profitability Ulfah Rizky Muslimin; Elia Madatu Tandililing; Putri Ratnasari; Maria Apriyane Patty; Rizka Aisyah Nurjannah
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2087

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Papua face significant sustainability challenges, particularly in the early years of operation, due to limitations in financial management practices. This study examines the direct and indirect effects of financial literacy, capital structure, and financial planning on MSME sustainability, with profitability as a mediating variable. A quantitative explanatory approach was employed using data from 200 MSMEs selected through purposive sampling. The analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that capital structure and financial planning have positive and significant effects on profitability, while financial literacy shows a negative significant effect. Profitability, in turn, has a strong positive influence on sustainability and mediates the relationships between financial variables and MSME sustainability. The findings suggest that, in certain contexts, higher financial literacy may lead to more conservative financial behavior, which can reduce short-term profitability and indirectly affect sustainability outcomes. This study contributes to the literature by providing an integrated model of MSME sustainability and highlighting the context-dependent role of financial literacy. However, the findings should be interpreted with caution due to the use of cross-sectional and self-reported data. The results offer practical implications for policymakers and practitioners in designing financial development programs that balance risk management and profit optimization to support sustainable MSME growth.
Financial Literacy, Capital Structure, and Financial Planning as Determinants of MSME Sustainability: Mediating Role of Profitability Ulfah Rizky Muslimin; Elia Madatu Tandililing; Putri Ratnasari; Maria Apriyane Patty; Rizka Aisyah Nurjannah
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2087

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Papua face significant sustainability challenges, particularly in the early years of operation, due to limitations in financial management practices. This study examines the direct and indirect effects of financial literacy, capital structure, and financial planning on MSME sustainability, with profitability as a mediating variable. A quantitative explanatory approach was employed using data from 200 MSMEs selected through purposive sampling. The analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that capital structure and financial planning have positive and significant effects on profitability, while financial literacy shows a negative significant effect. Profitability, in turn, has a strong positive influence on sustainability and mediates the relationships between financial variables and MSME sustainability. The findings suggest that, in certain contexts, higher financial literacy may lead to more conservative financial behavior, which can reduce short-term profitability and indirectly affect sustainability outcomes. This study contributes to the literature by providing an integrated model of MSME sustainability and highlighting the context-dependent role of financial literacy. However, the findings should be interpreted with caution due to the use of cross-sectional and self-reported data. The results offer practical implications for policymakers and practitioners in designing financial development programs that balance risk management and profit optimization to support sustainable MSME growth.
Penguatan Strategi Pemasaran, Inovasi Produk Dan Pengelolaan Keuangan Bagi Pelaku Usaha Mikro Di Kampung Kwadeware Ulfah Rizky Muslimin; Otniel Safkaur; Rizka Aisyah Nurjannah; Christine Jois Karubaba
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 2 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i2.11836

Abstract

Usaha mikro berperan penting dalam meningkatkan pendapatan keluarga, menciptakan lapangan kerja, dan menggerakkan perekonomian masyarakat perdesaan. Kampung Kwadeware, Distrik Waibu, Kabupaten Jayapura, memiliki potensi usaha berbasis sumber daya lokal, seperti minyak kelapa murni atau Virgin Coconut Oil (VCO), keripik keladi, hasil pertanian, serta kerajinan tas dan dompet rajut. Namun, pelaku usaha masih menghadapi keterbatasan dalam pemasaran, pengembangan produk, dan pengelolaan keuangan. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan kapasitas pelaku usaha mikro melalui penguatan pemasaran digital, inovasi produk, dan pengelolaan keuangan sederhana. Kegiatan diikuti oleh lebih dari 20 pelaku usaha dengan menggunakan pendekatan partisipatif melalui observasi, wawancara, edukasi, demonstrasi, praktik langsung, pendampingan, serta monitoring dan evaluasi deskriptif. Pendampingan pemasaran mencakup pemanfaatan Facebook dan Instagram, pencantuman lokasi usaha pada Google Maps, serta penyusunan katalog produk. Penguatan inovasi dilakukan melalui perbaikan tampilan, informasi, variasi, dan nilai tambah produk, sedangkan pendampingan keuangan difokuskan pada pemisahan keuangan usaha dan pribadi serta pencatatan pemasukan dan pengeluaran. Hasil kegiatan menunjukkan tersedianya media pemasaran digital, lokasi usaha pada Google Maps, dan katalog produk yang dapat digunakan oleh mitra. Peserta juga memperoleh pemahaman mengenai pengembangan produk dan pencatatan keuangan sederhana. Kegiatan ini menunjukkan bahwa pendampingan partisipatif dan berbasis praktik dapat mendukung kesiapan pelaku usaha dalam mengelola dan mengembangkan usahanya secara lebih mandiri dan berkelanjutan.
PENGARUH PEMANFAATAN TEKNOLOGI DIGITAL DAN KOMPETENSI AUDITOR TERHADAP EFEKTIVITAS AUDIT DI ERA TRANSFORMASI DIGITAL Putri Ratnasari; Rizka Aisyah Nurjannah
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/egq0bf35

Abstract

Era transformasi digital menuntut profesi auditor untuk beradaptasi dengan perkembangan teknologi agar proses audit tetap relevan, efisien, dan andal. Perubahan ini menjadikan penelitian mengenai pengaruh pemanfaatan teknologi digital dan kompetensi auditor terhadap efektivitas audit semakin penting untuk dilakukan, terutama di wilayah yang sedang berkembang seperti Jayapura, Papua. Penelitian ini bertujuan untuk menganalisis bagaimana pemanfaatan teknologi digital dan kompetensi auditor, baik secara parsial maupun simultan, berpengaruh terhadap efektivitas audit di era digital. Jenis penelitian yang digunakan adalah kuantitatif dengan pendekatan eksplanatori. Data primer dikumpulkan melalui penyebaran kuesioner kepada 100 auditor yang bekerja pada Kantor Akuntan Publik (KAP), Inspektorat Daerah, dan Satuan Pengawasan Internal (SPI) di Kota Jayapura. Pengambilan sampel menggunakan teknik purposive sampling dengan kriteria auditor yang telah memiliki pengalaman kerja minimal satu tahun dan pernah menggunakan sistem audit berbasis digital. Analisis data dilakukan menggunakan metode Structural Equation Modeling – Partial Least Squares (SEM-PLS) melalui perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa pemanfaatan teknologi digital dan kompetensi auditor berpengaruh positif terhadap efektivitas audit, baik secara individual maupun simultan. Temuan ini menegaskan bahwa keberhasilan audit di era transformasi digital bergantung pada kemampuan auditor dalam memanfaatkan teknologi secara optimal. Secara teoretis, hasil penelitian ini memperkuat konsep digital competence as an enabler of audit effectiveness, sedangkan secara praktis menjadi dasar bagi lembaga audit untuk meningkatkan pelatihan digital dan pengembangan kompetensi auditor di wilayah timur Indonesia.
Co-Authors Alfira Alfonsina S.S Wanma Bucek Jalu Prasetyo Arjuna Christine Jois Karubaba Elia Madatu Tandililing Firmansyah Gian Giovania Maria Apriyane Patty Otniel Safkaur Putri Ratnasari Ulfah Rizky Muslimin Ulfah Rizky Muslimin Yulianti Karoma