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This research aims to present empirical data demonstrating how financial management mediates the relationship between financial inclusion and financial literacy on the MSMEs' development. This particular type of research takes the form of explanatory research with the population of MSME actors in the environment-based tourism village of Sanankerto, Malang Regency. The study sample amounted to 125 taken through the purposive sampling method. Primary data from questionnaire findings given to respondents directly make up the utilized data. Data analysis in the form of PLS-SEM results indicates that financial management is positively impacted by financial literacy and financial inclusion and that these factors positively impact the MSMEs' development. It was also shown that financial management can mediate between financial inclusion and financial literacy in the MSME's development.

One of the common problems faced by MSMEs is ineffective and efficient financial management. Many MSME owners experience obstacles in budgeting, monitoring cash flow, and controlling expenses. As a result, the sustainability and growth of MSMEs are hampered and may even fail. Therefore, efforts are needed to improve the understanding and financial management skills of MSMEs to support sustainable business growth. To overcome this problem, literacy on MSME financial management was held which was followed by MSMEs in Mukim Singkir Village, Yan Kedah. This activity is a community service cooperation between Universitas Islam Riau and University Utara Malaysia. The methods used are exposure to literacy materials, simple practice, and case discussion. The results obtained were an increase in participants' understanding and skills related to financial management which included: Financial recording, budgeting, cash flow monitoring, accounts payable and receivable management, financial analysis, and cost and expenditure control.

Copyright of Almujtamae: Jurnal Pengabdian Masyarakat is the property of Universitas Djuanda and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

There are administrative and urban villages in Bali province. Together with administrative villages, it also has customary villages, which are settlements that retain the ancient autonomy of the area. The Tri Hita Karana element is one of the ancient village's distinguishing characteristics. The purpose of this study is to ascertain how Luwus Village, Baturiti Tabanan, and customary village Financial Management are impacted by Accountability, Transparency, and Tri Hita Karana. Using the census approach, this research is a quantitative study with a population of 36 people from the Traditional Village Management, Prajuru, and Kelian Banjar of Luwus Village, Baturiti Tabanan. Based on the significance of the statistical test results, the study's findings suggest that Tri Hita Karana, Accountability, and Transparency have a favorable and substantial impact on Financial Management. Keywords: Financial Management; Accountability; Transparency ; Tri Hita Karana

This service activity aims to increase knowledge and skills in financial management based on digital technology in business development for SigekArt MSMEs. The method of implementing this community service uses training, which consists of several stages, namely activity administration, digital business management assistance and product innovation. The results of this service show that the understanding of partner business management has increased, especially in digital financial management. Partners are also able to increase production by more than 85% per day. The quality of production stitching is also better and neater, because the PKM team provides business capital and industrial sewing machine equipment to partners. Product innovation can also be carried out by partners because there is always assistance from the PKM team.

Copyright of Jurnal Visionida is the property of Universitas Djuanda and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The East Rembang coast is a potential marine fishery commodity producing area, however the buying and selling transaction system is still carried out traditionally, so the bargaining position is still marginal. The social and economic marginalization experienced by fishermen does not manifest in the form of isolation, but rather manifests in the inability of fishing communities to take part in market economic activities profitably. In fact, now we have entered the era of digital buying and selling transactions, which are more efficient and effective, supported by promising infrastructure. Therefore, it is necessary to provide outreach & training in the use of online shops to the fishing community. This community service consists of four stages, namely preparation, implementation, evaluation and monitoring. The object of study is fishing communities who have businesses from three sub-districts in East Rembang. The target is that people are expected to be skilled in using the "SIAB-Marketplace" application in running their business. As a result of service activities, there has been an increase in knowledge and skills in using digital smartphone applications and internet access in marketing the products produced as well as an expansion of the product marketing area, so that it can be used by consumers. The advice given in this activity is that further assistance related to digital marketing should be provided, in this case the use of digital platforms in the promotion and sale of various products so that there is an increase in income which has an impact on people's welfare.

This community service aims to increase the understanding and skills of Jamu Larasati partners in managing production, digital marketing, financial management, and business financial reports. The method for implementing this service used training and FGD. The instrument for evaluating this activity used practice sheets and was analyzed descriptively. The results of this service showed that partners' understanding and skills in production management, digital marketing, and financial management have increased. It was proven by partners who had increased production quantity from 100 bottles per day to 120-150 bottles per day. Partners also had abilities related to digital marketing, proven by partners having the ability to use SEO and create marketing content that suits their business. Apart from that, partners also had financial management skills, as proven by partners having financial reports and being able to analyze the results of financial reports.

Copyright of Jurnal Ekonomi dan Kebijakan Pembangunan is the property of IPB University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Jurnal Layanan Masyarakat is the property of Universitas Airlangga and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This research endeavors to examine the effect of financial literacy and lifestyle on the financial management of eleventh-grade students at SMK Negeri 1 Surakarta, both individually and collectively. The research employs a quantitative method, with a population of 357 grade XI students at SMK Negeri 1 Surakarta and a sample size of 186 students. Probability sampling, specifically the proportionate stratified random sampling method based on the Krejcie and Morgan table, was utilized for sample selection. Primary data for the study were gathered through the administration of questionnaires, and data analysis was conducted using multiple linear regression analysis. The findings indicate that (1) financial literacy has a partial influence on the financial management of grade XI students at SMK Negeri 1 Surakarta, (2) lifestyle also has a partial impact on the financial management of these students, and (3) the combined effects of financial literacy and lifestyle significantly influence the financial management of grade XI students at SMK Negeri 1 Surakarta.

Children with special needs must be educated informally and formally to develop their intellectual skills. Before putting children with special needs into school, parents need to find the right school by looking at various aspects, one of which is related to financing and financial management. In this case, researchers conducted research at the ‘Aisyiyah Ponorogo Special School to know the school's financial management in order to be able to increase the trust of student guardians. This study used a descriptive qualitative method. Researchers obtained data using observation, interviews, and documentation. The focus of the problem in this study is financial management, financing, and the trust of student guardians at 'Aisyiyah Ponorogo Special School. Based on the data obtained, the financial management of students with special needs at ‘Aisyiyah Ponorogo Special School is carried out by making a budget plan, clear transparency of funds to student guardians, and evaluation meetings at the end of each school budget year. Sources of funds were obtained from voluntary donations from students, assistance from the Ponorogo Regency Education Office, the Smart Indonesia Program, and the 'Aisyiyah Foundation.

The pandemic has impacted the global economy, includingMSMEs,especially in financial issues such as minimal revenue flow and inadequate financial management. On the marketing side, there has been a decrease in demand due to the implementation of social restrictions, which will affect the company’s existence. Therefore, MSMEs need to adapt by transforming to online marketing. Improved financial and digital literacy can enhance MSME performance. This study aims to determine the moderating effect of financial literacyanddigital literacyamongMSMEs inimprovingtheir businessperformance. A Quantitative research method with Partial Least Square (PLS) was used to analyze the data. The results show that financial management and digital marketing have a direct effect on MSMEs’ performance. Furthermore, financial literacy can moderate and improve the performance of MSMEs, whereas digital literacy cannot effectively moderate the implementation of digital marketing to improve MSMEs’ performance. This study implies that MSMEs must improve their financial behavior and decision-making during crises and enhance their knowledge and skills in managing digital marketing. JEL: L250, M310, G41.

This study aims to determine the factors that influence Islamic financial literacy, financial behavior and financial resilience to Islamic financial planning and management of young couples after the covid 19 pandemic. This research is a qualitative research using Structural Equation Model Partial Least Square (SEM-PLS) with primary data taken from questionnaires based on convenience sampling, totaling 250 respondents. Islamic financial literacy is influenced by income/employment factors. Islamic financial literacy has an impact on financial planning by full meditation since it only significant to undirect affect through financial behaviour and financial resilliance. Financial behavior is influenced by the level of risk tolerance and Islamic financial literacy. Financial resilience is influenced by financial literacy and financial behavior. Islamic financial planning is influenced by behavior and financial resilience. Lastly, Islamic financial management is influenced by financial literacy, financial behavior, and financial resilience. [ABSTRACT FROM AUTHOR]

Good Government Governance is a demand that must be met by the government sector. The government's efforts to provide services to the community are seen in terms of performance achievement as set commitments. Through improving performance, the government can carry out two-way communication with its people in order to find common ground for solutions (Ria et al., 2021). In creating Good Governance, it requires components that are able to realize good financial management procedures in realizing Good Governance in the police bureaucracy in the Blitar Polres area and what is the focus of this research is Transparency, Accountability, Effectiveness and Efficiency in financial management to achieve Good Governance in the region. Blitar Police Resort Police. In creating good governance, there is a need for research on "The impact of good governance on financial management at the Blitar Resort Police Office". The formulation of the problem in this study is: How does transparency, accountability, effectiveness and efficiency partially affect financial management at the Blitar Police? And the aim of this study is to analyze the effect of transparency, accountability, effectiveness and efficiency partially on financial management at the Blitar Police. The data analysis technique used in this study is multiple linear analysis techniques and processed using SPSS statistics 25 software. The results of the study show that transparency variables affect financial management, accountability affects financial management, effectiveness affects financial management, efficiency affects financial management. [ABSTRACT FROM AUTHOR]

The progress of tourism is heavily influenced by the professionalism and existence of its institutions (tourism institutions). In this community service, the Airlangga University Public Administration team partnered with the Diponegoro University Public Administration team to assist MSME partners in Wonolopo Semarang. The problem with partners is the need to strengthen tourism institutions and expand the marketing of MSME products including herbal medicine villages, flora villages selling ornamental plants, and so on. Wonolopo has 10 tourism awareness groups from 8 thematic villages. The solution to the partner problem is the transfer of knowledge of tourism institutional development. There are three choices of institutional forms, namely tourism awareness groups, cooperatives and BUMDesa. The solution to the second problem is information and communication technology-based marketing with Linktree which is shared on social media and using digital marketing platforms. The results achieved after the community service was carried out were that 98.3% of MSME actors and tourism managers in Wonolopo Semarang had increased their abilities in developing tourism institutions and digital marketing innovation, as much as 1.6% needed to be improved. For this reason, more intensive assistance is needed for partners in Wonolopo, Semarang. [ABSTRACT FROM AUTHOR]

This study aims to analyze the role of financial management in mediating the impact of the love of money and human resource competence on MSMEs’ performance. It used primary data gathered from 143 respondents through a direct survey. The respondents were the owners of culinary MSMEs in the City of Jambi that were selected based on a cluster sampling method to represent all types of culinary MSMEs. Six hypotheses were formulated to achieve the aim of the study. Path analysis based on multiple regression and Sobel tests were applied to test the hypotheses. The analysis results show that human resource competence affects financial management and impacts MSMEs’ performance directly and indirectly. On the other hand, love of money did not impact financial management. It did not impact MSMEs’ performance either directly or indirectly. Thus, this study provides a piece of evidence for financial management as a mediating variable between human resources competence and MSMEs’ performance.

Copyright of Journal of Application Business & Management / Jurnal Aplikasi Bisnis dan Manajemen is the property of IPB University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This study aims to describe the effect of financial management and entrepreneurial learning on the entrepreneurial intentions of students of the Entrepreneurship Student Program (PMW) Jambi University. This research is a quantitative research using the Ex-post facto method. The study was conducted on students participating in the PMW of Jambi University in 2021, as many as 86 business groups. The data analysis technique used was multiple linear regression analysis. The results of this study indicate that either partially or simultaneously the variables of financial management and entrepreneurial learning have a significant effect on the entrepreneurial intentions of students of the Jambi University Student Entrepreneurship Program (PMW). Based on the results of this study, it is recommended that universities pay great attention to entrepreneurship learning as a transformation of knowledge and coaching in fostering student interest in entrepreneurship. As prospective entrepreneurs, students are required to be able to manage finances as one of the keys to success in entrepreneurship.

The Ar-Rohmah Savings and Loans Cooperative is transitioning from conventional cooperatives to sharia-based cooperatives, to meet the demands of cooperative members that are under Islamic values ​​and are more just in transactions under muamalah provisions in Islam. Therefore, to help with the problems faced by the East Java Ar Rohmah Savings and Loans Cooperative and increase the capacity of its human resources, it is necessary to hold training related to Islamic financial management. This activity aims to provide training to employees of the Ar-Rohmah Savings and Loan Cooperative on how to manage finances according to sharia principles so that later they can serve customers well under Islamic sharia provisions. The implementation of this activity uses the Participatory Action Research method through three stages, namely preparation, implementation, and evaluation. Through the evaluation results of the pre-test and post-test with a ratio of 11.91, this community service activity has succeeded in changing the work habits of cooperative employees towards the work and knowledge they apply. The knowledge that has been obtained regarding Islamic financial management is expected to become a driving force for other Islamic cooperative employees.

Housewives play an important role in managing family finances. In managing finances, you must have a clear and accurate monthly budget. This budget must then be adhered to so that finances are really under control. Mothers can make it in writing in a book, or electronically. Currently, the use of gadgets is almost never out of hand because it is considered a source of information that can be accessed anytime and anywhere. Problems of housewives in general, namely: 1). There is no household budget; 2). Uncontrolled spending; 3). Not making a long term plan; 4). Haste in investing. This activity is carried out with the stages of problem identification, analysis of problem solving and solutions, making materials, implementation, evaluation and mentoring. Improving the ability of housewives to manage family finances by using the Android-based Mother's Savings application is considered very effective and efficient. The results of this activity enable housewives to increase their ability to manage finances, improve family welfare, and improve their ability to use information technology.

The provincial board of Muhammadiyah East Java categorizes three kinds of superior schools: The Outstanding School, The Excellent School, and The Inspiring School of Muhammadiyah. In 2021 there were seven schools categorized as The Outstanding School of Muhammadiyah, one of which is SMA Muhammadiyah 2 Sidoarjo. As the Outstanding School of Muhammadiyah East Java, SMA Muhammadiyah 2 Sidoarjo manages its finances by applying management principles to meet all funding needs for academic and non-academic processes. This study aims to analyze the implementation of financial management at SMA Muhammadiyah 2 Sidoarjo as a school with the category of The Outstanding School of Muhammadiyah. This study uses a qualitative method with a case study design that collects and analyzes financial management data at SMAMDA Sidoarjo. Collecting data using the method of observation, interviews, and documentation. Data analysis was carried out in three stages: data reduction, data exposure, and conclusion examination and verification. The study revealed that the financial management of SMAMDA Sidoarjo runs in accordance with the principles and procedures of financial management of Muhammadiyah schools, including planning, organizing, implementing, controlling, and accountability. In addition to the principles of transparency and accountability, this school also strengthens the principle of budget surplus so that every year the school is able to generate a significant plus balance. In the process of recording, bookkeeping, and reporting using the Sango Professional application system in accordance with financial accounting standards for non-profit institutions (ISAK 35). Financial management in this school shows high transparency and accountability. This can be seen from the achievement of the results of the school financial audit conducted by the Public Accounting Firm in 2021 with the results of an Unqualified Opinion.

Research Purposes. This study aims to examine whether the internal control system and the accessibility of financial reports affect the accountability of village financial management. In addition, this study also analyzes the effect of village financial management accountability on fraud prevention. Research Method. Data were obtained by distributing 152 questionnaires directly (offline) to 38 villages in Sleman Regency. The data is processed using Structural Equation Model (SEM) with Smart-PLS. Research Result and Findings. The results showed that the internal control system and the accessibility of financial reports affected the accountability of village financial management. In addition, village financial management accountability affects fraud prevention. The research implies that the village government can improve supervision and transparency so that the community believes that village funds are appropriately.

Copyright of Journal Hawalah is the property of Publikasiku and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Disease is one of the main problems that have a major impact on aquaculture activities. Diseases in fish generally occur due to an imbalance of interactions between fish, pathogens, and the culture environment. Poor environmental quality can increase stress on fish and increase the pathogenicity of pathogens. In aquaculture activities, it is important to prevent disease in fish to avoid large economic losses. Based on the result of the initial survey, it was found that the problems faced by fish farmers in the Genteng area were the lack of knowledge in identifying the early syndrome of fish disease and the weakness in monitoring the quality of water for cultivation. This program aimed to provide the fish farmer with an introduction to disease kinds, training in environmental health management, and mentoring activities for aquaculture activities so that fish diseases can be prevented as early as possible. This programs were carried out on August 18, 2022, which was attended by 20 fish farmers in the Genteng area and continued with regular assistance for one month. Based on the result, there was an increase in understanding of the identification of parasites in fish, microscope utilization, and water quality test. In general, this programs received a positive response and enthusiasm from training participant, which was accompanied by an increase in participants' knowledge about how to identify fish disease and water quality test. [ABSTRACT FROM AUTHOR]

These recent years Small and Medium Enterprises (MSMEs) undergo a digital transformation in expanding their market reach. Digitalization is applied to all operational activities so that this can be achieved. Members of the East Java IKM Forum (FIJ) Bojonegoro Branch were also engaged in digitalization. This community service project, which takes the form of training and mentorship, aims to develop sales channels through digital marketing and enhance financial management in businesses. The number of participants in this community service activity is 25 business actors who are members of FIJ Bojonegoro Branch. Digital marketing optimization is carried out through the implementation of Product Detail Pages. Detailed product information helps business owners to display their products optimally through marketplace applications. In addition, an understanding of financial performance through the preparation of profit and loss statements helps business actors to easily manage working capital so that businesses develop a success. The training activities were delivered in the form of lectures and focus group discussions methods. Meanwhile, mentoring activities are carried out through optimizing product display and preparing financial reports practices. Pre and posttests, a question-and-answer session, and a questionnaire survey were used to collect the data. The outcomes of the activity indicate that participants' skills and knowledge in the fields of digital marketing and financial management improved. [ABSTRACT FROM AUTHOR]

This study aims to explore the role of leadership in realizing the accountability of financial managment of ecotourism–based BUMDes Au Wula in Detusoko Barat Village, Ende Regency, East Nusa Tenggara Province. This research uses a qualita-tive method with the resource persons consisting of village officials, government representatives, indigenous community leaders, and local community representatives. The data were collected through interviews and focused discussions with various sources regarding the ideal leadership model in managing ecotourism-based Village-Owned Enterprises (Indonesia: Badan Usaha Milik Desa /BUMDes). The results indicate that the type of transformative leadership in BUMDes Au Wula has a role in realizing BUMDes financial management accountability such as a role model, inspirators, stimulator of creativity and inno-vation, and consultant for BUMDes managers. In addition to other supporting documents, BUMDes financial reports can be completed and accounted for properly. Another finding relates to the regeneration of the leadership of BUMDes Chairman when he was then elected as the Head of Detusoko Barat Village.

Abstract Productive waqf is a waqf management scheme by producing waqf, so it is able to make benefit or sustainable income. But, development waqf in Indonesia is commonly doesn’t make any changes. Waqf is limited on religious activities such as mosque, musholla, school or graveyard establishment, so waqf in Indonesia doesn’t give any advantages economically. It is different with Walisongo Pecangaan Jepara Foundation which managing its waqf property productively. This study is aimed to describe the model of productive Islamic endowment fund in education institution and increasing people's economic empowerment. This study uses qualitative method with phenomenology approach. This study is supported by 2 data, premier data and secondary data. The obtained data then analyzed using data collection, data reduction, data display, drawing conclusion, and verification. The result of this study shows that waqf property in Walisongo Pecangaan Jepara Foundation has role in developing education institution, such as providing scholarship, providing welfare to educators and education staff, as establishment funding and maintenance of education facilities and infrastructure, as well as learning equipment funding. Beside, productive waqf of this foundation has role in community’s economic development, especially for rice field tenants and shop tenants in managing their business that can be used to fulfill their family needs. Keywords: Islamic Endowment Fund; Funding; Financial Management

This study evaluates the maturity level of the Public Service Agency (BLU) at Jambi University (UNJA). The research uses descriptive analysis based on the BLU Maturity Rating worksheet to assess various aspects, including financial management, service quality, internal capabilities, governance, innovation, and environmental impact. The findings reveal that UNJA's BLU has achieved an overall maturity level 3.71. Internal capabilities scored the highest at level 5, while environmental aspects lagged at level 3. Recommendations are provided to enhance business ethics, risk management, and resource usage, improving the institution's maturity level and overall performance. These improvements are crucial for achieving a higher maturity level, ensuring better service quality, and promoting sustainable development within the institution.

Pineapple (Ananas comosus (L.) Merr.) is one of the leading agricultural commodities in Babadan Village, Ngancar District, Kediri Regency. The use of pineapples that are not included in the sales grade in terms of size and maturity level encourages people to seek processed products based on pineapple commodities. Business development can be supported by providing financing from a local cooperative, namely Koperta Langgeng Mulyo. Prospective tenants of cooperatives are Family Welfare Development (PKK) members. Micro, Small and Medium Enterprises (MSMEs) that are run include juice, dodol, and pineapple jam. Problems by participants included no financial recording activity and evaluation of the feasibility of business conditions, so financial management training became the solution. The activity was attended by 20 participants with material on socializing the importance of financial and inventory management, business feasibility, and strategies to enter the modern market. The results of the evaluation showed that the average knowledge of the participants increased from 48% (pre-test) to 75% (post-test). [ABSTRACT FROM AUTHOR]

MSMEs are an economic driving sector that can contribute greatly to the Indonesian economy. One of the weaknesses of MSMEs is that they still lack knowledge and understanding of financial management, especially when coupled with the Covid-19 epidemic, MSMEs are experiencing various problems, so there needs to be strengthening of MSMEs through various skills so that MSMEs can survive during pandemics and post-pandemics. One of the business groups that is quite affected by Covid-19, is MSMEs engaged in the culinary or food sector, which are indicated to still have weaknesses in the financial aspect. Our MSME partners in community service are handayani catering assisted groups. The PKM team makes efforts to assist the assisted catering groups through mentoring, empowerment and capacity building activities in financial management, starting with providing financial records and bookkeeping as well as various ways to mitigate financial risk. The result of this activity was that the participants began to prepare financial reports and began to implement financial management, especially cash flow, which was previously less of a concern. Participants were greatly helped by the preparation of financial reports as an indicator of business sustainability and health.

ABSTRACT This study aims to find out the effect of financial literacy and personality traits on personal financial management. The population in this study was all students of the Faculty of Economics, which consisted of 1068 students, and 258 students were selected as the samples of this study using a proportional cluster random sampling system. The data analysis technique used was multiple linear regression. The result of this study showed that financial literacy and personality, whether simultaneous or partial, significantly and positively affect the personal financial management of students. ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan ciri-ciri kepribadian terhadap pengelolaan keuangan pribadi. Populasi dalam penelitian ini adalah seluruh mahasiswa Fakultas Ekonomi yang berjumlah 1068 mahasiswa dan dipilih sebanyak 258 mahasiswa yang digunakan sebagai sampel dalam penelitian ini dengan menggunakan teknik proportional cluster random sampling. Teknik analisis data yang digunakan adalah regresi linear berganda. Hasil dari penelitian ini menunjukkan literasi keuangan dan kepribadian, baik secara simultan ataupun parsial, berpengaruh positif dan signifikan terhadap pengelolaan keuangan pribadi mahasiswa.

This study aims to reveal various kinds of human behavior towards their properties and the ideal management of this property from the perspective of the Quran. This research also attempts to link the knowledge of the Quranic maqasid with the financial management carried out by humans to improve their contradictive behavior. By using qualitative methods with inductive descriptive approaches and various sources such as the Quran and its interpretations, journals, magazines, and classical literature, this research found that owning wealth does not contradict the concepts of zuhud and piety. The al-Quran displays human behaviors who manage their wealth well and make their wealth as a ware towards God. Multiple discourses about wealth in the Quran showed that the behavior of adoring wealth is natural and matches the Quranic nature, which adapted to human nature. The treasure and wealth itself belong to God, which humans naturally revere. Humans have different behavior when dealing with wealth. First, worldly behavior is not fair. Second, the behavior of miserly and miserly. Third, moderate behavior that has intelligent management in managing assets. Differences in human behavior in managing these assets are usually determined by their social environment.

Public financial literacy in Indonesia is still categorized as low. The low level of financial literacy can be an indication that public knowledge, especially regarding financial management, for both personal and business units is still not good. This can have an impact on mistakes in making wrong financial decisions. Therefore, many parties are trying to improve public financial literacy in Indonesia. One of the public that is the target of this community service activity is Komunitas Buys Unpad business actors. As for the consideration, there are still small business actors who do not have good financial knowledge insight. The activity to improve financial literacy chosen was in the form of socialization. The socialization of financial literacy to Komunitas Buys Unpad business actors was carried out in the form of a Zoom Conference by presenting competent speakers in the financial aspect. Based on the results of the evaluation of activities collected in Google Form, it can be seen that the socialization of financial literacy activities for business actors has increased, although not significantly. [ABSTRACT FROM AUTHOR]

Copyright of Notaire is the property of Universitas Airlangga and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This research is a qualitative-descriptive study conducted to identify fraud that occurs in the financial management of BUMDes (Village-Owned Enterprises). BUMDes is a business entity established through village capital inclusion which aims to manage existing assets, services, and businesses for village income contribution. In connection with this capital management, villages are required to be fully responsible for managing their capital in a transparent and accountable manner. The object of this research is BUMDEs (Village-Owned Enterprise) X in Wologai Tengah Village of Ende, Flores, where data collection was obtained through in-depth interviews with sources and documentation of documents that can support the results of this research. The results show that BUMDes X in Wologai Tengah Village of Ende, Flores is still vulnerable to the potential risk of fraud. This is because some parties still feel that their interests are more important than that of others. However, BUMDes X still promotes a culture of deliberation that involves the community in making decisions.

ABSTRACT This study aims to determine the financial management in Tomira from planning, recording, reporting, and controlling. This study is expected to help Tomira manage finances to be more effective and efficient in order to improve the regional economy. It used a qualitative descriptive approach. The data were collected from interviews and documents. Then, the data were analyzed analytically. The results show that Tomira has implemented financial management quite well, but it still needs improvement in the planning, recording, and reporting aspects. Meanwhile, the budget use and control run quite well. ABSTRAK Penelitian ini bertujuan untuk mengetahui penerapan pengelolaan keuangan di Tomira dari mulai perencanaan, pencatatan, pelaporan hingga pengendalian. Penelitian ini diharapkan dapat membantu Tomira dalam mengelola keuangan agar lebih efektif dan efisien, sehingga dapat meningkatkan perekonomian daerah. Alat analisis yang digunakan untuk menganalisis hasil wawancara yaitu analisis tematik. Penelitian ini dilakukan dengan menggunakan pendekatan kualitatif deskriptif. Penelitian ini menggunakan teknik wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa Tomira telah melakukan penerapan pengelolaan keuangan dengan cukup baik. Namun masih harus ditingkatkan dalam aspek perencanaan, pencatatan dan pelaporan. Sedangkan dari sisi penggunaan anggaran dan pengendalian telah berjalan dengan cukup baik.

This study aims to find out and analyze the factors that affect students' financial management ability. A sample of 100 students from Politeknik Negeri Semarang, Universitas Diponegoro dan Universitas Negeri Semarang with multiple Linear regression analysis tools after passing the validity test, reliability test and classic assumption test. Based on statistical test results obtained, financial education variables, financial literacy, academic ability, and work experience have a positive and significant effect on student personal financial management variables.

One of the potential economic development in each region is the existence of Micro Small and Medium Enterprises (MSMEs) in the region. Small and medium enterprises (SMEs) have played an important role in economic development and become the backbone of indonesia's economy. SME businesses contribute significantly to gross domestic product, employment, innovation, and income in low-income countries. The aim of the study was to analyze financial literacy and business financial management of financial performance on umkm shoes and sandals in ex-dolly localization. The research methods used in this study are questionnaires, interviews, and quantitative data. The results of this study show that if the level of financial literacy of an owner and manager of an MSME is higher then the performance that can be achieved by msmes will increase. [ABSTRACT FROM AUTHOR]

Abstract: There are indications of difficult capital access for MSMEs in Lebak. It is shown by Statistic Bureau (BPS) data in Banten Province that only 7.44% of micro and small businesses in Banten obtain or apply for credit, or only 0.95% of Lebak micro and small businesses that can obtain or apply for credit. This research aims to determine the effect of (1) financial literacy on financial performance and (2) financial management on financial performance. This research is quantitative descriptive. The subjects were MSMEs of cassava processed products in Cibadak, Lebak Regency by distributing questionnaire to 86 samples. The data analysis technique used was descriptive analysis and inferential analysis with Partial Least Square (PLS). The results of this research show that (1) financial literacy has a positive effect on financial performance, and (2) financial management has a positive effect on financial performance. Keywords: financial literacy, financial management, financial performance Analisis Kinerja Keuangan pada Pelaku UMKM Produk Olahan Singkong di Cibadak Kabupaten Lebak, Banten Abstrak: Terdapat indikasi sulitnya akses permodalan pada UMKM di Lebak, Banten. Ditunjukan oleh data BPS Provinsi Banten bahwa hanya 7,44% usaha mikro dan kecil di Banten yang memperoleh ataupun mengajukan kredit atau hanya 0,95% dari usaha mikro dan kecil Lebak yang dapat memperoleh atau mengajukan kredit. Penelitian ini bertujuan untuk mengetahui pengaruh (1) literasi keuangan terhadap kinerja keuangan, (2) pengelolaan keuangan terhadap kinerja keuangan. Bentuk penelitian ini adalah deskriptif kuantitatif. Subjek dalam penelitian ini adalah pelaku UMKM produk olahan Singkong di Cibadak, Kabupaten Lebak dengan penyebaran kuisioner pada 86 sampel. Teknik analisis data yang digunakan adalah analisis deskriptif dan analisis inferensial dengan Partial Least Square (PLS). Hasil penelitian ini menunjukan (1) literasi keuangan berpengaruh positif terhadap kinerja keuangan, dan (2) pengelolaan keuangan berpengaruh positif terhadap kinerja keuangan. Kata kunci: literasi keuangan, pengelolaan keuangan, kinerja keuangan

BUSINESS BRANDING AND FINANCIAL MANAGEMENT ASSISTANCE IN THE ESTABLISHMENT CANTEEN OF THE INDEPENDENT BUSINESS UNIT HEAD OF MUHAMMADIYAH YOUTH BRANCH OF KASIHAN, BANTUL. The Head of the Muhammadiyah Kasihan Youth Branch (PCPM Kasihan) is one of Muhammadiyah's autonomous organizations. Muhammadiyah Youth became the hope of Muhammadiyah as the successor of the movement which was expected to have expertise and independence so that later it would become a qualified successor and master all fields that became the pillars of Muhammadiyah, including the pillars in the economic field. PCPM Kasihan is actually an autonomous organizations that is quite active and developing in the Pity branch especially in the management of organizations, except that the productive economic sector has not been touched, even though the field needs to be developed to create organizational independence. Based on these problems, the idea emerged to establish a canteen as an independent PCPM Kasihan business unit engaged in the economy. For the initial establishment of a business unit, proper branding planning is needed in order to be able to attract consumers. In addition, knowledge related to financial management is also needed so that the income and expenditure of the funds obtained can be controlled. Therefore, the method used in this PKM is by facilitating the making of branding for marketing strategies as well as training and mentoring in carrying out planning, financial recording and financial reporting. The implementation of this service resulted in the initial branding for business establishments in the form of neon boxes and container boxes. While the implementation of service for the management aspects, namely training and assistance in financial records needed in running a business later.

This paper describes the results of community service activities (PKM) at the Village-Owned Enterprises in Jepara that face accountability issues. The purpose of this community service program is to implement the BUMDes accountability model and BUMDes business management. The program implementation phase includes systematic development of the BUMDes accountability report, application and process of preparing BUMDes accountability report, development of a Simple Financial Information System, and assistance and application of a simple financial information system. The results of the community service program outputs are generated in the form of guidelines for preparing the accountability report of BUMDes Puji Berkah Sinanggul and simple saving and loan financial applications. Based on the results of the dedication, it can be formulated that the implementation of the accountability model of BUMDes Puji Berkah can improve the quality of the performance of existing managers of BUMDes which are the object of service. BUMDes fits the format and meets the timeliness of reporting. How to cite: Rohman, F., Arifin, M. (2020). Model Pertanggungjawaban BUMDes Puji Berkah pada Unit Simpan Pinjam. Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang, 5(1), 18-27. DOI: https://doi.org/10.26905/abdimas.v5i1.3368

The purpose of the study is to evaluate the efficiency of Islamic rural banks in Java by looking at the factors that could influence it year 2014-2017. This research is quantitative using a non-parametric and non-radial based Data Envelopment Analysis method with an intermediation approach to evaluate efficiency. The object of this study is 72 Islamic rural banks in Java. The results indicates that the level of efficiency of Islamic rural banks in Java was still low.

DIGITAL MARKETING TRAINING AND BUSINESS MANAGEMENT FOR THE ACCELERATION OF THE PERFORMANCE OF BAMBOO CRAFTSMEN SMES IN TIRTOADI VILLAGE, MLATI, SLEMAN. This community service program in the forms of training and consulting was carried out for 3 months in Tirtoadi Village, Mlati District, Sleman Regency. Community service participants consisted of bamboo craftsman SMEs and local youth organization (Karang Taruna). Training and counselling material consist of digital marketing, business management, and Intellectual Property Rights (IPR) certification. The training material is in accordance with the problems or constraints experienced by Tirtoadi Village bamboo craftsmen SME. The participants expect that the community service program can be carried out on a regular basis. Several parties involve in the program such as the Tirtoadi Village Government, local youth organization and bamboo craftsmen SME. The training and consulting program contribute to the increase of knowledge related to digital marketing, business management and IPR certification.

Village development is the focus of national development because the village is a sub-section of the national territory that directly manage the society. Nowdays villages are required to have BUMDes as a leading organization aimed to optimize village potential (Wargiyat, 2015). The management of BUMDes must be in accordance with established regulations; financial management of BUMDes is guided by Regulation of The Minister of Village (Permendes) Number 4 of 2015 and Ministry of Home Affair regulations (Permendagri) 113 of 2015. Principles that must be upheld in the management of BUMDes are cooperative, participatory, emancipatory, transparent, accountable, and sustainable.The purpose of this study is to determine the financial management of BUMDes Gondowangi in Gondowangi Village, Wagir District, Malang Regency. The type of this research is qualitative with a case study approach. The conclusions that can be taken are financial management carried out by BUMDes Gondowangi is still simple. The planning is done by holding a meeting of each unit to form the budget plan (RAB). Implementation is carried out using receipts as proof of disbursement of funds. However, the administration is done by recording cash income and expenditure. Then, Recording which is carried out is still general. Accountability is carried out by giving a report to the regional consultative committee (BPD) of Village and Community and Village Empowerment and Service (DPMD) of Malang District, as well as sending a soft file to the Ministry of Village, and delivering it to the community together with the village meeting. The accountability of regular activities in 2017 is also carried out by BUMDes Gondowangi in village meetings. Supervision in the form of guidance from the governor and regent / mayor has not been obtained by BUMDes Gondowangi.

TECHNICAL ASSISTANCE FINANCIAL REPORTING AND BUDGETING BASED PERFORMANCE IN STIKES MUHAMMADIYAH PALEMBANG. The purpose of this technical assistance activity were to provide knowledge and insights related to the financial management and performance based budgeting to the principal and budget user of STIKES Muhammadiyah Palembang and to help compile the work program. This activity was attended by 23 leaders from various levels.Materials that provided were, performance based budgeting, best practices, and financial reporting. The results of technical assistance for performance based budgeting indicate an increase in the ability of participants to develop budgets. Evaluation of the participants showed that they were very enthusiastic about following the activity from beginning to end.