scholarly journals Pemberdayaan Guru Cerdas Finansial Melalui Teknologi Informasi dalam Upaya Meningkatkan Portofolio Keuangan Keluarga di SMKN 26 Rawamangun Jakarta Timur

2018 ◽  
Vol 2 (2) ◽  
pp. 237-264
Author(s):  
Yunika Murdayanti ◽  
Nuramalia Hasanah ◽  
Indah Muliasari
Keyword(s):  
Community Development ◽  
Financial Literacy ◽  
Financial Management ◽  
Financial Mathematics ◽  
Discussion Session ◽  
Development Activity ◽  
Financial Reports ◽  
Financial Applications ◽  
Good Pattern ◽  
Financial Intelligence

A good pattern of financial management will be very helpful in meeting the needs of life now and in the future. Financial intelligence is important for everyone. Therefore sufficient knowledge is needed. By understanding all existing financial and investment products, and mastering financial mathematics, someone can improve their financial intelligence. This method of community development is carried out at Vocational School 26 to improve financial literacy in generating computerized family financial reports. These activities consist of 1) understanding of financial literacy, 2) recording of a good family financial portfolio, 3) providing facilities and infrastructure through the procurement of equipment and practical materials, 4) mentoring in the form of consultation and guidance in making financial reports through information technology namely family financial applications. Conclusion of this community development activity is the participants have been able to increase knowledge about family financial management and the feedback given by the participants to the interest in the speaker and the material presented also positive enthusiasm by participating in discussion session.

scholarly journals Pengembangan Potensi SDM Pesantren Melalui Pelatihan Pemahaman dan Pengetahuan Pengelolaan Keuangan

2019 ◽  
Vol 4 (1) ◽  
pp. 20
Author(s):  
Etty Gurendrawati ◽  
Yunika Murdayanti ◽  
Susi Indriani
Keyword(s):  
Community Development ◽  
Financial Literacy ◽  
Financial Management ◽  
Cost Control ◽  
Financial Statements ◽  
Daily Activities ◽  
West Java ◽  
Development Activity ◽  
Financial Report ◽  
Training Materials

ABSTRAKKegiatan pengabdian masyarakat ini dilakukan karena masih ditemukan beberapa kelemahan dari pengelolaan pondok pesantren. Umumnya masalah tersebut bermula dari aktivitas keuangan pesantren baik yang berkaitan dengan anggaran, akuntansi, penataan administrasi, alokasi serta kebutuhan pengembangan pesantren maupun dalam proses aktivitas keseharian pesantren. Tidak sedikit pesantren yang memiliki sumber daya baik manusia maupun alamnya tidak tertata dengan rapi, dan tidak sedikit pula proses pendidikan pesantren berjalan lambat karena kesalahan dalam penataan manajemen keuangannya. Pelaksanaan Pengabdian Masyarakat ini dilakukan di di pondok pesantren Qotrun Nada Depok Jawa Barat. Peserta diberikan pelatihan pemahaman dan pengetahuan pengelolaan keuangan secara komputerisasi dan pembuatan laporan keuangan yang baik serta kiat-kiat dalam mengelola pengendalian biaya yang rutin dikeluarkan baik yang terjadi pada saat usaha maupun pengeluaran rumah tangga pesantren sehingga mampu mengatasi pengeluaran yang besar. Kesimpulan yang diperoleh terdapat peningkatan pemahaman dan pengetahuan pengelolaan keuangan serta teknik dalam membuat bentuk laporan keuangan yang baik dan benar baik secara manual maupun terkomputerisasi.Kata Kunci: pengetahuan keuangan; laporan keuangan; komputer akuntansiABSTRACT This community development activity was carried out because there were still some weaknesses in the management of pesantren. Generally, the problem starts from the pesantren's financial activities both related to the budget, accounting, administration managements, allocation and development needs of the pesantren and even in the process of pesantren's daily activities. Many pesantren with its resources both human and natural are not neatly arranged, and also the process of pesantren education runs slowly due to errors in financial management arrangements. The implementation of community develompent is done at the Pesantren Qotrun Nada in Depok, West Java. Participants are given training in understanding and knowledge of financial management manually and also accounting computerized application. Participants are also given a training materials of good financial report preparation and tips on managing routine cost control. The conclusions obtained are an increase in understanding and knowledge of financial management for all participants and also understand the techniques in making good financial statements both manually and computerized.Keywords: financial literacy; financial statements; accounting computerized

scholarly journals LITERASI DAN MODEL MANAJEMEN KEUANGAN UMKM BERBASIS DIGITAL PADA UMKM-UMKM DI KABUPATEN BOALEMO PROVINSI GORONTALO

2021 ◽  
Vol 5 (2) ◽  
pp. 45-55
Author(s):  
Sukrianto Sukrianto Namrud
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Small And Medium Enterprises ◽  
Qualitative Approach ◽  
Management Model ◽  
Community Groups ◽  
Financial Reports ◽  
Descriptive Research ◽  
Manual Recording ◽  
Medium Enterprises

In 2015 to 2020 UMKM in Boalemo Regency have experienced ups and downs. This is a problem of decline, one of the main reasons is that UMKM have not been able to survive with their capital. The purpose of the research is to provide knowledge to community groups/micro and small and medium enterprises (UMKM) about literacy and digital-based UMKM financial management models, and to be able to increase the participation of community groups/UMKM in managing UMKM through the provision of knowledge about digital-based management. Descriptive research method with a qualitative approach. The results showed that UMKM in Boalemo District experienced problems in running their businesses, especially during the pandemic due to the lack of government attention in helping UMKM in Boalemo District. The average UMKM in Boalemo Regency in the use of financial literacy fully understands the development of digital-based UMKM, especially in increasing income, even their education level in managing good financial management and digitally still relies on manual recording. While the digital-based UMKM financial management model is not in accordance with the targets and objectives. This is evidenced by UMKM business actors who have not been able to make financial reports. UMKM in Boalemo Regency have not been able to use information technology and social media, especially in utilizing digital based financial management designs. This is because UMKM only rely on manual recording. Keywords: Literacy, Model, Financial Management and UMKM

scholarly journals Pendampingan Manajemen Keuangan Melalui Program Literasi Keuangan Kepada Komunitas Usaha Mikro Kecil dan Menengah (UMKM) yang Terjerat Rentenir di Kabupaten Nganjuk

2019 ◽  
Vol 3 (1) ◽  
pp. 113-126
Author(s):  
Ainna Amalia FN ◽  
Lilis Rahmawati
Keyword(s):  
Community Development ◽  
Financial Literacy ◽  
Financial Management ◽  
Financial Institution ◽  
Financial Inclusion ◽  
Business Community ◽  
Literacy Programs ◽  
Management Skills ◽  
Asset Based Community Development ◽  
Management Capabilities

The development of UMKM in the process does not always go smoothly, sometimes the business also has obstacles, including being entangled by moneylenders. Therefore, the Assistant Team of Al ‘Ula Islamic Financial Institution of STAI Miftahul Ula Nglawak partnered with the NU LKK Nganjuk and Cooperative-UMKM Office of Nganjuk provides capital assistance without interest for MSME community through literacy programs. By using the Asset-Based Community Development (ABCD) method, this study aims to provide financial management assistance for UMKM Community who were entangeled by moneylenders.  The results of the study indicate social change as follows: (1) awareness increases the productivity and work ethic; (2) the emergence of financial management skills through financial literacy; (3) financial literacy, which is the emergence of financial inclusion, financial passport, and financial access issues; (4) the emergence of efforts optimization to empower financial management capabilities; (5) able to make strategic planning to improve the level of the business community; (6) the emergence of new assistants;  (7) there is a partnership between the assistant team and stakeholders.

scholarly journals Menciptakan Nilai melalui Program Literasi Keuangan: Portofolio Keuangan Pribadi

2021 ◽  
Vol 4 (2) ◽  
pp. 71-78
Author(s):  
Luky Patricia Widianingsih ◽  
Kazia Laturette ◽  
Lucky Subandi
Keyword(s):  
Community Service ◽  
Financial Literacy ◽  
Financial Management ◽  
Literacy Programs ◽  
Study Program ◽  
Knowledge And Skills ◽  
Implementation Stages ◽  
Younger Generation ◽  
Financial Portfolios ◽  
Financial Intelligence

Abstrak : Ada kebutuhan terkait dengan literasi keuangan khususnya kemampuan memiliki portofolio yang ideal bagi siswa/i SCB kelas 12. Program pengabdian masyarakat ini merupakan bagian dari program terintegrasi Program studi Akuntansi Universitas Ciputra Surabaya yang meliputi aspek pengajaran, riset dan pengabdian masyarakat. Tema program adalah “Creating Value Through Financial Literacy Programs”. Pelaksanaan dilakukan di Sekolah Citra Berkat (SCB) Surabaya dimana pesertanya yang mengikuti adalah kelas 12. Siswa/i SCB mendapatkan manfaat terkait dengan pengetahuan dan keterampilan khusus tentang teknik menyusun portofolio keuangan pribadi melalui kelas intensif selama 6 kali pertemuan. Upaya ini merupakan bagian dari usaha membangun kecerdasan finansial generasi muda. Dengan membangun kecerdasan finansial, generasi muda akan mampu meningkatkan kualitas hidupnya khususnya untuk pengambilan keputusan-keputusan yang memiliki konsekuensi keuangan. Tahapan pelaksanaan didesain secara bertahap mulai dari tataran materi, praktik hingga pendampingan melalui mentoring untuk memastikan tujuan program tercapai. Dari hasil mengikuti program, siswa/i mendapatkan pengetahuan dan keterampilan untuk merumuskan tujuan keuangan pribadinya, menyusun rancangan portofolionya, merancang strategi keuangan untuk mewujudkan tujuan keuangan tersebut serta mampu mengevaluasi capaian portofolio keuangan pribadinya. Kata Kunci: literasi keuangan, portofolio keuangan pribadi, pengelolaan keuangan, sikap keuangan       Abstract : There is a need related to financial literacy, especially the ability to have an ideal portfolio for grade 12 SCB students. This community service program is part of the integrated program of the Accounting Study Program, Universitas Ciputra Surabaya which includes aspects of teaching, research and community service. The program theme was "Creating Value Through Financial Literacy Programs". The implementation was carried out at Citra Berkat School (SCB) Surabaya where the participants were grade 12. SCB students got benefits related to specific knowledge and skills about techniques for compiling personal financial portfolios through intensive classes for 6 meetings. This effort is part of building the financial intelligence of the younger generation. By building this financial intelligence, the younger generation will be able to improve their quality of life, especially for decisions that have financial consequences. The implementation stages are designed in stages starting from the level of material, practice to mentoring through mentoring to ensure program objectives are achieved. From the results of following the program, students gain knowledge and skills to formulate their personal financial goals, draft their portfolio designs, design financial strategies to realize these financial goals and be able to evaluate the achievements of their personal financial portfolios. Keywords: financial literacy, personal financial portfolio, financial management, financial attitude

scholarly journals LITERASI FINANSIAL PADA TAMAN BACA MASYARAKAT

2019 ◽  
Vol 3 (2) ◽  
pp. 209-215
Author(s):  
Hanjar Ikrima Nanda ◽  
Ria Zulkha Ermayda ◽  
Fitri Purnamasari ◽  
Nabila Dini Syara ◽  
Nabila Dini Syara ◽  
...  
Keyword(s):  
Community Service ◽  
Financial Literacy ◽  
Financial Management ◽  
Group Discussion ◽  
Financial Statements ◽  
Self Management ◽  
Financial Reports ◽  
Non Profit ◽  
Service Activity ◽  
Leadership Group

Abstrak Pengelolaan mandiri oleh pemilik Taman Baca Masyarakat (TBM), seringkali dihampiri oleh masalah keuangan yang cukup mengancam kontinuitasnya. Kurang pengetahuan dari pengurus organisasi nirlaba ini dapat diminimalisir dengan memberikan lokakarya terkait pengelolaan keuangan organisasi sejenis. Dana dari donasi—baik tunai maupun non tunai—seyogyanya diterima, dicatat, serta dilaporkan dengan baik dan menarik, sehingga meningkatkan kepercayaan donatur. Tujuan dari rangkaian kegiatan ini adalah untuk memberikan keterampilan teknis terkait pembuatan laporan keuangan TBM yang mudah dipahami oleh para stakeholder, dengan menggunakan metode berupa penggalian masalah, pemberian materi serta praktik. Kegiatan pertama yang dilakukan adalah leadership group discussion yang hasilnya membantu kegiatan berikutnya agar tepat sasaran. Kegiatan selanjutnya yaitu lokakarya yang diselenggarakan dalam bentuk praktik pencatatan dan juga penyajian laporan keuangan yang menarik serta mudah dipahami. Kegiatan pengabdian ini direspon positif oleh peserta, dan mereka mulai berkomitmen untuk tertib mencatat donasi tunai dan non tunai di TBM masing-masing. Ke depannya, kegiatan semacam ini sebaiknya ditindaklanjuti dengan pendampingan untuk menyesuaikan inti dari materi dengan keunikan masing-masing TBM. Kata kunci: Literasi Finansial, Taman Baca Masyarakat, Laporan Keuangan, Organisasi Nirlaba   Abstract Self-management by the owners of the Community Reading Park (TBM), often accompanied by financial problems that threaten its continuity. Lack of knowledge from the management of this non-profit organization can be minimized by providing workshops related to the financial management of similar organizations. Funds from donations—both cash and non-cash—should be received, recorded, and reported both properly and attractively, thereby increasing donor trust. The purpose of this series of activities is to provide technical skills related to the preparation of TBM financial reports that are easily understood by stakeholders, using excavating problems, providing material and practice as the methods. The first activity carried out was a leadership group discussion whose results helped the next activity to be on target. The next activity is a workshop about recording practices and the making of interesting financial statements that easy to be understand. The community service activity was responded positively by the participants, and they began to commit to an orderly record of cash and non-cash donations at their respective TBMs. In the future, this kind of activity should be followed up with assistance to adjust the core of the material with the uniqueness of each TBM. Keywords: Financial Literacy, Taman Baca Masyarakat, Financial Reports, Non-Profit Organization

scholarly journals FINANCIAL INTELLIGENCE OF SMALL ENTREPRENEURS IN MANAGING FINANCIALS

2021 ◽  
Vol 8 (02) ◽  
pp. 136-148
Author(s):  
Yuli Yanti Wulan ◽  
Indrawati Yuhertiana
Keyword(s):  
Development Strategy ◽  
Financial Management ◽  
Sampling Method ◽  
Significant Contribution ◽  
Small And Medium Enterprises ◽  
Net Income ◽  
Financial Reports ◽  
Medium Enterprises ◽  
Financial Intelligence ◽  
Selection Of

Micro, Small and Medium Enterprises have a significant contribution to the economy in Indonesia, but a phenomenon that often occurs is the problem of business actors who do not use financial reports in running their business but their business is still running, this study aims to find out how the financial intelligence of small entrepreneurs in managing finances his efforts.This research is a qualitative research, data collection techniques are carried out by observation, interviews, and documentation studies. Selection of informants using purposive sampling method based on the criteria that the informants are small entrepreneurs who have run their business for at least 5 years and do not make financial reports.The findings of this study indicate that the importance of financial intelligence in the financial management of micro, small and medium enterprises (MSMEs) is considered to be still poorly understood by entrepreneurs and still lacks understanding of financial reports. Small and medium entrepreneurs are still working on bookkeeping to the extent of recording income and expenses. As a result, the company's net income and income tax estimates are difficult to know. This becomes a difficulty for many small entrepreneurs to determine a business development strategy.

Struggling to make ends meet: can consumer financial behaviors improve?

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Lisa K. Meneau ◽  
Janakiraman Moorthy
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Group Analysis ◽  
Self Control ◽  
Thinking Styles ◽  
Financial Health ◽  
Content Type ◽  
Financial Behaviors ◽  
Financial Products ◽  
The Impact

PurposeThe purpose of the study is to examine the following two research objectives. The first was to examine the predictive relationships that consumer characteristics of financial literacy, thinking styles and self-control have with a consumer's financial behaviors. The second goal was to ascertain financial management products' ability to aid those consumers who need it the most by weakening the predictive effects of consumer traits on financial behaviors.Design/methodology/approachThe study employed a web-based survey to gather information. The measurement and structural models were analyzed using generalized structured component analysis (GSCA), a component-based structural equation model. The mediation effect of self-control is assessed using the GSCA. The conditional mediation of demographic variables and use of personal financial management products are evaluated using multi-group analysis (MGA) in GSCA.FindingsAntecedents, financial literacy, thinking styles and self-control consumer characteristics are predictors of financial behaviors. However, self-control plays a more prominent role as a mediator between the other variables, strengthening the overall relationship. Also, financial products can have a beneficial moderation effect assisting those consumers who need them the most.Practical implicationsThese insights help in creating target specific financial literacy strategies to influence consumers' financial behaviors. Also, there is a need to develop mechanisms to influence a consumer's self-control and thinking styles to improve financial behavior. In conjunction with other initiatives, the impact of financial literacy has a greater effect on financial behaviors. Further, the insights assist financial institutions and financial technology firms in offering and creating products to help customers make better financial decisions and improve their financial behaviors.Social implicationsThe research addressed a significant global issue – consumer financial health. The Great Recession and the COVID-19 recession highlight the need to focus on the consumer and efforts to improve their financial health.Originality/valueThis research highlighted the mediating role of self-control and suggested that existing and future financial products can positively influence consumer behavior drivers.

Living beyond one’s means: evidence from Malaysia

2015 ◽  
Vol 43 (1) ◽  
pp. 2-18 ◽  
Author(s):  
Yiing Jia Loke
Keyword(s):  
Low Income ◽  
Financial Literacy ◽  
Financial Distress ◽  
Financial Management ◽  
Practical Knowledge ◽  
Financial Education ◽  
Financial Knowledge ◽  
Content Type ◽  
Explanatory Variables ◽  
Financial Behaviour

Purpose – The purpose of the paper is to identify the determinants of the probability of living beyond one’s means. The paper also explores the coping mechanisms of those financially distressed as well as the debt taking behaviour of consumers. Design/methodology/approach – The study uses data obtained from the OECD International Network on Financial Education pilot study on Measuring Financial Literacy in 2010 for the case of Malaysia. A logistic regression model is used to identify the main determinants of the probability that a consumer will live beyond his/her means. The analysis is carried out by using a set of socio-economic factors and the individual’s financial behaviour and attitudinal characteristics as explanatory variables. Findings – The findings indicate that low income and seasonal income earners are more vulnerable to financial distress. Furthermore, having a higher education, higher financial knowledge and prudent financial behaviour and attitude do not necessarily translate into better financial management. Family and friends provide the main source of financial assistance in times of need. Research limitations/implications – The assessment of financial knowledge should go beyond individual’s knowledge on financial concepts and theories. Practical knowledge on financial and cash flow management should be assessed. Practical implications – The study reiterates the importance of financial education. It is imperative to include financial education as part of the schools’ curriculum and also to be incorporated as part of the Continuous Professional Development modules for working adults. Originality/value – The study is based on the first nationwide study of consumer finances in Malaysia. It contributes to the literature by integrating financial behaviour and attitudinal factors into the analysis of the ability of individuals to live within their means. The findings also show the limitations of the existing self-assessment of financial behaviour and attitude and the assessment of financial knowledge.

scholarly journals Pendampingan Penyusunan Laporan Keuangan Akuntansi Pesantren

2021 ◽  
Vol 1 (1) ◽  
pp. 84-88
Author(s):  
Valentina Monoarfa
Keyword(s):  
Financial Management ◽  
Boarding School ◽  
Boarding Schools ◽  
Religious Organizations ◽  
Educational Institutions ◽  
Financial Reports ◽  
Non Profit ◽  
Question And Answer

Islamic boarding school is one of the educational institutions of non-governmental non-profit religious organizations that prioritizes a service to external parties. The financial management of Islamic boarding schools still uses simple methods, accounting that has been used so far has not used financial reports that are in accordance with Islamic boarding school accounting guidelines. The purpose of this service is to provide additional knowledge to financial managers in compiling financial reports using software in order to provide transparent, accountable and accountable reporting. The method of implementing the activity is counseling, discussion and question and answer, which begins with providing knowledge about how to prepare Islamic boarding school accounting financial reports.

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