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Literasi Pengelolaan Keuangan Cerdas pada Anak Usia Dini Filasti Rahma; Yunarsi; Wilda Fatmala; Murni Sari; Husriah; Janna Meilani Ode
Poltanesa Vol 23 No 1 (2022): Juni 2022
Publisher : P2M Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (142.355 KB) | DOI: 10.51967/tanesa.v23i1.1263

Abstract

Literasi finansial merupakan kecakapan hidup (life skills) yang harus dibekalkan pada anak. Pendidikan literasi keuangan pada anak bukan sekadar pada pengenalan uang, namun lebih jauh pendidikan literasi keuangan pada anak adalah sebuah konsep tentang pengenalan pengelolaan keuangan secara bijak dan mampu mengontrol pengeluaran keuangan dengan membedakan mana yang menjadi kebutuhan dan mana yang hanya keinginan. Sehingga pengenalan terhadap pengetahuan literasi keuangan sejak dini akan membuat anak-anak terbiasa mengelola keuangan dengan baik dan benar di masa yang akan datang. Di Indonesia pendidikan literasi keuangan masih menjadi sesuatu yang sangat jarang dilakukan. Tim Pengabdian Kepada Masyarakat memandang sangat penting untuk menyelenggarakan pelatihan terkait literasi pengelolaan keuangan cerdas pada anak usia dini yang dilaksanakan di TK Setia Kota Baubau. Pada kkegiatan ini tim Pengabdian Kepada Masyarakat mengenalkan pada anak terkait me manajemen keuangan, belajar tentang hidup hemat dengan cara merencanakan keuangan untuk persiapan dimasa depan, memotivasi anak untuk bertindak secara bertanggung jawab dan bijaksana serta mendorong kepedulian sosial.
Peran Religiuitas dan Word of Mouth terhadap Keputusan Nasabah dalam Memilih Bank Syariah Indonesia dengan Motivasi sebagai Variabel Moderasi La Sudarman; La Jejen; Husriah Husriah
Jurnal Bisnis dan Manajemen Vol 9, No 1 (2022): Jurnal Bisnis dan Manajemen Volume 9 Nomor 1 Tahun 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jbm.v9i1.6792

Abstract

The Purpose of this study is to determine the effect of religiosity, word of mouth and motivation on customer decisions to choose Islamic banks, as well as the influence of religiosity and word of mouth on customer decisions to choose Islamic banks with motivation as moderation. The method used is a quantitative approach and analysis using SEM-PLS. The sampling technique used the census method as many as 120 consumers who used the services of Bank Syariah Indonesia Baubau branch. Based on the results of the study, it shows that religiosity, word of mouth, motivation have a significant effect on customer decisions to choose Islamic banks. Meanwhile, the influence of religiosity is moderated by motivation on customer decisions, showing negative results, meaning that motivation does not moderate the relationship of religiosity to customer decisions; and the effect of word of mouth on customer decision variables moderated by motivational variables shows that motivation moderates the influence of word of mouth on customer decisions.
Pelatihan Pembukuan Sederhana bagi Pelaku UMKM di Desa Doda Bahari Kecamatan Sangia Wambulu Kabupaten Buton Tengah HUS HUSRIAH; Murni Sari; Yunarsi Yunarsi; Wilda Fatmala; Filasti Rahma; Wa Ode Arnia
Jurnal Abdimasa Pengabdian Masyarakat Vol 5 No 2 (2022): Jurnal ABDIMASA Pengabdian Masyarakat
Publisher : Universitas Pendidikan Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36232/jurnalabdimasa.v5i2.2255

Abstract

Good fund management is a key factor that can lead to the success or failure of UMKM. A practical and effective method in managing funds for UMKM is to apply good accounting. Thus, accounting makes UMKM able to obtain various financial information in running their business. Accounting records must be in accordance with every transaction that occurs and based on applicable accounting standards. Based on the problems above, the service team views it as very urgent to conduct simple financial recording training. Financial recording training that will be carried out for UMKM will be a solution in solving these problems. The method used from this service is the Technical method or Field work. Technical, namely simple bookkeeping training for UMKM actors in Doda Bahari Village. The results of community service show that this simple bookkeeping training is very important for MSME actors to make it easier to see the profit and loss of a business.
Pengaruh Pengeluaran Pemerintah Sektor Pertanian dan Investasi terhadap Tenaga Kerja, Pertumbuhan Ekonomi dan Pendapatan Asli Daerah Kabupaten Luwu Andi M. Iswan Adhiputra Pangerang; Wilda Fatmala; Filasti Rahma; Yunarsi Yunarsi; Husriah Husriah
Jurnal Ekonomi & Bisnis Vol 1 No 1 (2022): Jurnal Ekonomi dan Bisnis
Publisher : Politeknik Baubau

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1251.031 KB) | DOI: 10.57151/jeko.v1i1.13

Abstract

The large budget allocation and agricultural area of luwu county is expected to create jobs for the people of luwu district and attract investors. The deployment of the large budget and the extent of the development of the research is aimed at (1) reviewing and analyzing the impact of government spending on the agricultural sector on luwu's native incomes indirectly through agricultural sector labor and economic growth; And (2) review and analyze the impact of private investment on luwu county's local revenue and indirectly through agricultural sector labor and economic growth. The study used a secondary type of the time serries during the 2004 to 2013 (10 years) collected by the files.The government expenditure in luwu district's agricultural sector and the gross domestic product data on the basis of the 2000 luwu district's constant price. The research makes real incomes independent variables, government spending and investment as dependent variables and labor and economic growth as intering variables. To answer the purpose of the study is done analysis using simultaneous equation model. The results of the data processing in this study suggest that government spending on agriculture was indirectly significant to the local revenue Luwu district. In addition, the research also suggests that investments both directly and indirectly give significant impact to the original income in luwu district.
Efektivitas Sistem Keuangan Desa dalam Meningkatkan Kinerja Keuangan Desa Mantigola husriah ria
Jurnal Analisa Akuntansi dan Perpajakan Vol. 6 No. 2 (2022): Jurnal Analisa Akuntansi dan Perpajakan
Publisher : Prodi Akuntansi FEB UNITOMO

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (168.444 KB) | DOI: 10.25139/jaap.v6i2.4668

Abstract

This study aims to determine the effectiveness of the village financial system in improving the financial performance of Mantigola Village. This type of research uses a qualitative descriptive method. The sampling technique is observation, interviews and documentation. The data was processed using a qualitative descriptive method. The results of the research on the Village Financial System Application (Siskeudes) have been successfully implemented in Mantigola Village, measured from the availability of human resources and the existing facilities and infrastructure in Mantigola Village are adequate to apply this application. The application of the Village Financial System (Siskeudes) application in Mantigola village has been said to be successful, because in its application the Village Financial System application (Siskeudes) in Mantigola village has helped the Mantigola village government in improving village financial management to be more efficient and also the application of the Financial System The village (Siskeudes) can improve the transparency of the Mantigola village government in managing village finances for the better.
Analisis Prosedur Pembelian Kredit Multiguna Pada Bank Sultra Cabang Pasarwajo Husriah Husriah; Poniasih Lelawatty
Jurnal Mirai Management Vol 8, No 1 (2023)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v8i1.3933

Abstract

Analisis Prosedur Pemberian Kredit Multiguna pada Bank Sultra Cabang Pasarwajo (Studi Kasus Pada Bank Sultra Cabang Pasarwajo). Penelitian ini bertujuan untuk menganalisis Prosedur Pemberian Kredit Multiguna Pada Bank Sultra Cabang Pasarwajo (Studi Kasus Pada Bank Sultra Cabang Pasarwajo). Penelitian ini menggunakan metode deskriptif kualitatif. Sumber data penelitian adalah data primer dan data sekunder. Jenis data yang digunakan adalah data kualitatif dengan dokumentasi dan wawancara secara langsung dengan mengadakan tanya jawab langsung kepada Kepala Seksi Pemasaran Kredit Dana & Jasa Elektronik, Sales Officer Konsumtif dan calon debitur pada Bank Sultra Cabang Pasarwajo. Berdasarkan hasil penelitian ini dapat diketahui bahwa prosedur pemberian kredit multiguna pada Bank Sultra Cabang Pasarwajo melalui beberapa tahap yang telah ditetapkan oleh pihak bank. Tahapan-tahapan dalam pemberian kredit multiguna yaitu permohonan/pengajuan kredit, verifikasi kebenaran dokumen, keputusan kredit, penandatanganan perjanjian kredit dan realisasi/pencairan kredit. Permasalahan yang terjadi dalam prosedur pemberian kredit multiguna yaitu pada informasi tidak benar/palsu yang dilakukan calon debitur dalam mengajukan kredit dimana pada tahap permohonan/pengajuan kredit dalam berkas persyaratannya tidak akurat bahkan ada pemalsuan data seperti status sebagai karyawan kontrak tapi mengaku karyawan tetap dan slip gaji/surat keterangan penghasilan yang diajukan tidak sesuai dengan gaji yang sebenarnya. Dalam pemberian kredit multiguna pihak Bank Sultra juga menggunakan prinsip 5C dalam memberikan pinjaman kepada calon debitur seperti character, capacity, capital, collateral condition. Pihak Bank melihat calon debitur yang mempunyai karakter kuat, kemampuan mengembalikan uang, jaminan yang berharga, modal yang kuat, dan kondisi perekonomian yang aman. Jadi calon debitur bekerja sama dengan bank dan layak mendapatkan penyaluran kredit. Kata kunci: Prosedur; Kredit; Multiguna
Co-Authors Andi M. Iswan Adhiputra Pangerang Filasti Rahma Janna Meilani Ode La Jejen La Sudarman Lelawatty, Poniasih Murni Sari Wa Ode Arnia Wilda Fatmala Yunarsi