Abstract:Personal finance skills are one of the important competencies that young people need to have in facing future economic challenges, given the increasingly complex global financial dynamics and the need to be able to manage…
e resources effectively in order to survive and thrive amid economic uncertainty. However, the level of financial literacy among vocational high school (SMK) students is still relatively low, as reflected in the results of the National Survey on Financial Literacy and Inclusion by OJK (2019) which shows that only 38.03% of Indonesians have adequate financial literacy, including among students. Of the 30 samples used by using the method of sharing, discussion, and case studies on each student, many were still found to be unable to manage their finances. This financial training has succeeded in providing a basic understanding of good financial management to students of SMK Negeri 1 Kisaran. Through the material presented, students can apply the knowledge gained in their daily lives, from managing expenses, saving, to planning for the future.
Keywords: financial literacy; financial skills; training vocational high school students
Abstrak: Keterampilan keuangan pribadi merupakan salah satu kompetensi penting yang perlu dimiliki oleh generasi muda dalam menghadapi tantangan ekonomi di masa depan, mengingat semakin kompleksnya dinamika keuangan global dan kebutuhan untuk dapat mengelola sumberdaya secara efektif agar dapat bertahan dan berkembangan di tengah ketidakpastian ekonomi. Namun, tingkat literasi keuangan di kalangan siswa sekolah menengah kejuruan (SMK) masih tergolong rendah, sebagaimana tercermin dalam hasil Survei Nasional Literasi dan Inklusi Keuangan oleh OJK (2019) yang menunjukkan bahwa hanya 38,03% masyarakat Indonesia yang memiliki literasi keuangan yang memadai, termasuk di kalangan pelajar. Kegiatan ini dilakukan oleh team dosen universitas royal dimana sampelnya sebanyak 30 orang yang merupakan siswa Sekolah Menengah Kejurusan Negeri 1 Kisaran dalam penyampaian materi digunakan dengan menggunakan metode sharing, diskusi, dan studi kasus pada masing-masing siswa. Pelatihan keuangan memberikan pemahaman dasar tentang pengelolaan keuangan yang baik kepada siswa SMK Negeri 1 Kisaran. Melalui materi yang disampaikan, siswa dapat menerapkan ilmu yang diperoleh dalam kehidupan sehari-hari, mulai dari mengatur pengeluaran, menabung, hingga merencanakan masa depan.
Kata Kunci: Keterampilan keuangan; literasi keuangan; pelatihan siswa SMK, pengelolaan keuangan pribadi
Abstract:Good financial management has a very important role in the long-term success of a company. However, currently, there are still many companies that experience problems in terms of managing their company's finances, one of…
which is PT. Anak Rantau Riau. This company is a service and goods company engaged in sports, namely fitness and workout sports. PT. Anak Rantau Riau experienced problems in the form of differences between the money received in the company account and the revenue recorded in the point on-sales system and several times made payments twice for the same invoice. Seeing this, of course, there needs to be steps to follow up so that nothing like that happens in the future. To follow up on this, discussions with company employees were held to determine what platforms and techniques were suitable and easy to implement to overcome the company's problems. Then, followed by providing direction to employees regarding the utilization of Microsoft Excel and spreadsheets as well as knowledge about the importance of even the smallest difference in money in finance. Finally, there will be an assessment of the results of the training. The result of the follow-up is that the problem of discrepancies between the money in the account and the revenue recorded in the point on-sales system can be minimized and there is no need to pay invoices twice for one invoice.
Keywords: Internal Financial Management, Debt Management, Point on Sales System
Abstract:The magnitude of the role of MSMEs as the backbone of the national economy is evidenced from data from the Ministry of Cooperatives and Small and Medium Enterprises for 2022 that the number of MSMEs in South Sulawesi has…
experienced a significant increase and in 2022 it will reach 268,299 units. However, this condition contrasts with Mr. Rahman Robin's MSMEs Mie Basah Manga Tiga, which does not provide optimal results, and sales sometimes experience a decline. The purpose of this service is to develop the Mangga Tiga wet noodle business through digital utilization. One of the government's newest programs in supporting MSME growth is "Ministry of Finance One Supports MSMEs Growing through Digitalization and Globalization Towards Advanced Indonesia". Based on this program, we consider it important to increase the wet noodle business through digitization. The method used is the provision of materials as well as training and assistance regarding the preparation of financial reports, digital marketing and packaging innovation. The results of the activity show that partners are able to compile simple financial reports, partners are able to carry out digital marketing through several online applications, and the new packaging of mangga tiga wet noodles is equipped with a product label which already contains a business license and halal certificate.
Keywords: MSMEs; Wet noodle; Digitization
Abstrak: Besarnya peranan UMKM sebagai tulang punggung perekonomian nasional dibuktikan dari data Kemenkop UKM tahun 2022 bahwa jumlah UMKM di Sulawesi Selatan mengalamai peningkatan yang signifikan dan di tahun 2022 mencapai 268.299 unit. Namun kondisi demikian kontras dengan pelaku UMKM Mie Basah Manga Tiga milik Bapak Rahman Robin yang tidak memberikan hasil yang optimal bahkan penjualan terkadang mengalami penurunan. Tujuan dilaksanakan pengabdian ini adalah untuk mengembangkan usaha mie basah Mangga Tiga melalui pemanfaatan digital. Salah satu program terbaru pemerintah dalam mendukung pertumbuhan UMKM adalah “Kemenkeu Satu Mendukung UMKM Tumbuh melalui Digitalisasi dan Globalisasi Menuju Indonesia Majuâ€. Berdasar dari program tersebut kami menganggap penting meningkatkan usaha mie basah melalui digitalisasi. Metode yang digunakan adalah pemberian materi serta pelatihan dan pendampingan mengenai penyusunan laporan keuangan, pemasaran digital dan inovasi packaging. Hasil kegiatan menunjukkan bahwa mitra sudah mampu menyusun laporan keuangan sederhana, mitra mampu melakukan pemasaran digital melalui beberapa aplikasi online, serta kemasan baru dari mie basah mangga tiga sudah dilengkapi label produk yang di dalamnya sudah terdapat izin usaha dan sertifikat halal.
Kata kunci: UMKM; Mie Basah; Digitalisasi
Abstract:UMKM is a productive business owned by a person or business entity that meets the criteria as a micro business, small business and medium business.which is the basis for determining the type of business seen from the average…
rage business income in a year and based on the net worth of the business. In running a business, finance is the most important thing for entrepreneurs, but there are still many UMKM that do not understand business financial management. Lack of understanding in managing financial management results in problems of uncontrolled capital used and income generated. Often personal finances are mixed up with business finances, of course this will be fatal if the entrepreneur cannot know how much money has been spent and used and how much profit is actually obtained from these business activities. PkM activities are carried out using the Community Education Method, namely carrying out percentage activities on how to manage good financial management. From these activities Partners can understand how to manage business finances in accordance with financial accounting standards, especially SAK EMKM standards.
Keywords: finance; management; umkm
Abstrak:UMKM merupakan usaha produktif yang dimiliki seseorang atau badan usaha yang memenuhi kriteria sebagai usaha mikro, usaha kecil dan usaha menengah. Yang menjadi dasar penentuan jenis usaha dilihat dari rata-rata pendapatan usaha tersebut dalam setahun serta berdasarkan kekayaan bersih usaha tersebut. Dalam menjalankan usaha keuangan merupakan hal terpenting bagi pengusaha, namun masih banyak UMKM belum memahami pengelolaan keuangan usaha. Kurang fahamnya dalam pengelolaan manajemen keuangan mengakibatkan permasalahan tidak terkontrolnya modal yang digunakan serta pendapatan yang dihasilkan. Sering kali keuangan pribadi bercampurbaur dengan keuangan usaha, tentu hal ini akan menjadi fatal apabila pengusaha tidak dapat mengetahui berapabesar dana yang sudah dikeluarkan dan yang digunakan serta berapa besar sebenarnya keuntungan yang diperoleh dari kegiatan usaha tersebut. Kegiatan PkM dilakukan dengan Metode Pendidikan Masyarakat yaitu melakukan kegiatan persentase tentang bagaimana mengelola manajemen keuangan yang baik. Dari kegiatantersebut Mitra dapat memahami bagaiman mengelola keuangan usaha yang sesuai dengan standar akuntansi keuangan terkhusus standar SAK EMKM (Standar Akuntasi Keuangan dan Entitas Mikro, Kecil, dan Menengah).
Kata kunci: keuangan; pengelolan; umkm
Abstract:The problems faced by the UMKM Corner of the Kasin Market in Tanjungrejo Village, Sukun District, Malang City are: (1) Making marketing plans (digital marketing) for UMKM Kota Malang products that are members of the UMKM…
Corner Pasar Kasin (2) Completing digital marketing by creating an account marketplace. (3) Financial records are needed digitally to make it easier to understand financial conditions, make decisions through financial reports
The solution to the problem is assistance to UMKM Corner in terms of: (1) assistance in marketing planning through digital marketing (2) assisting and training digital marketing through the marketplace. (3) help, train the use of the simple financial application to record sales and procurement of merchandise finance to financial reports
Abstract:Abstract: The gap between the role of treasurer and financial affairs with competence becomes an obstacle in the accountability process for using village finance. Increasing the capacity of village officials in the village…
ge financial management and administration is the goal of implementing community service programs in the village government of Ciburial, Mandala Mekar, and Mekarsaluyu Kab. Bandung, West Java Province. The treasurer and village finance department will be provided with assistance on village financial administration and management. The implementation of this program uses the mentoring method for the treasurer and the village finance department in each community service partner. This activity will provide a conceptual and technical understanding of the administration and management of village assets. Furthermore, the treasurers and the finance department will be asked to simulate the preparation of the accountability report. To provide better results in implementing this program, we, together with the team, will provide assistance and training related to managing and administering village assets. This activity program will make it easier for asset managers to prepare village accountability reports following applicable regulations.
Keywords: mentoring; village assets; village government
Abstrak: Kesenjangan antara peran sebagai bendahara dan urusan keuangan dengan kompetensi menjadi kendala dalam proses pertanggungjawaban penggunaan keuangan desa. Peningkatan kapasitas perangkat desa dalam bidang pengelolaan dan penatausahaan keuangan desa merupakan tujuan dalam pelaksanaan program pengabdian kepada masyarakat di pemerintah desa Ciburial, Mandala Mekar dan Mekarsaluyu Kab. Bandung Propinsi Jawa Barat. Bendahara dan Bagian keuangan desa yang akan diberikan pendampingan tentang penatausahaan dan pengelolaan keuangan desa. Pelaksanaan program ini dengan menggunakan metode pendampingan bagi bendahara dan bagian keuangan desa di masing masing mitra pengabdian masyarakat. Kegiatan ini akan memberikan pemahaman konsep dan teknis tentang penatausahaan dan pengelolaan aset desa. Selanjutnya para bendahara dan bagian keuangan akan diminta untuk menjalankan simulasi penyusunan laporan pertanggungjawaban. Untuk memberikan hasil yang lebih baik dalam pelaksanaan program ini kami bersama dengan tim akan memberikan pendampingan dan pelatihan berkaitan dengan pengelolaan dan penatausahaan aset desa. Program kegiatan ini akan lebih memudahkan bagi pengelola aset menyusun laporan pertanggungjawaban desa sesuai dengan aturan berlaku.
Kata kunci : aset desa; pemerintah desa; pendampingan.
Abstract:Abstract: Micro, Small and Medium Enterprises (MSMEs) have an important role in economic recovery in Indonesia. The development of MSMEs cannot be separated from the ability of MSME owners to manage and record their finances.…
nces. The bookkeeping carried out by the company needs to be supported by the implementation of an adequate Internal Control System to support the achievement of company goals. Therefore, MSMEs need to implement internal control that can be used as a tool to prevent or overcome fraud and protect company resources. This activity aims to provide education to the Soreang village community, the MSME group regarding simple bookkeeping and internal control which will be able to improve skills and knowledge in designing future business strategies, managing finances, and protecting company assets. This activity is carried out by providing socialization first and then providing training to participants on the concepts and practices of simple bookkeeping and the application of internal control. The results of the service are village communities consisting of PKK women and Healthy Community Movement who are members of the MSME group activities understand and feel motivated by the additional knowledge about simple bookkeeping and internal control systems, and Participants feel that this training is very useful for developing MSMEs in the context of community empowerment in Seroang Village
Keywords: MSMEs; simple bookkeeping; internal control
Abstrak: Usaha Mikro, Kecil dan Menengah (UMKM) memiliki peran penting dalam pemulihan perekonomian di Indonesia. Berkembangnya UMKM tidak terlepas dari kemampuan pemilik UMKM dalam mengelola dan membukukan keuangannya. Pembukuan yang dilakukan perusahaan perlu didukung dengan adanya penerapan Sistem Pengendalian Intern yang memadai demi menunjang pencapaian tujuan perusahaan. Oleh karena itu, UMKM perlu menerapkan pengendalian intern yang bisa dijadikan alat untuk mencegah atau mengatasi fraud (kecurangan) dan melindungi sumber daya perusahaan. Kegiatan ini bertujuan untuk memberikan edukasi kepada masyarakat desa Soreang kelompok UMKM mengenai pembukuan sederhana dan pengendalian intern yang nantinya mampu meningkatkan keterampilan serta pengetahuan dalam merancang strategi bisnis kedepannya, mengelola keuangan dan melindungi aset perusahaan. Kegiatan ini dilaksanakan melalui pemberian sosialisasi terlebih dahulu kemudian memberikan pelatihan kepada peserta mengenai konsep serta praktik pembukuan sederhana dan penerapan pengendalian intern. Hasil pengabdian yaitu masyarakat desa yang terdiri ibu-ibu PKK dan Germas (Gerakan Masyarakat Sehat) yang tergabung dalam kelompok UMKM mengerti dan merasa termotivasi dengan adanya tambahan pengetahuan mengenai pembukuan sederhana dan pengendalian intern. serta peserta merasa pelatihan ini sangat bermanfaat untuk mengembangkan UMKM dalam rangka pemberdayaan masyarakat di Desa Seroang
Kata kunci: UMKM; pembukuan sederhana; pengendalian intern
Abstract:The organization is a social entity that consciously coordinates and has boundaries and has an ongoing identity to achieve organizational goals. One of them is Karang Taruna Village Morang which is a forum that has a function…
ction as guidance and development of the village's economic potential. The youth organization in Village Morang has a superior program in the form of pekan ambyar. However, the lack of understanding and knowledge in terms of organization, administration, and finance meant that this program was limited to planning. This makes the reason for the need to strengthen youth organizations. The method used in community service programs is in the form of community education training in the form of an understanding of organization, administration, and finance. The results achieved in this activity were that youth organizations could understand in terms of organization, administration, and financial aspects. The implementation of the flagship program pekan ambyar is one of the iconic activities that are competitive and makes the Village Morang Maju.
Keywords: administration; financial; karang taruna; organization
Abstrak: Organisasi merupakan sebuah entitas sosial yang secara sadar melakukan koordinasi dan memiliki batasan serta memiliki identitas yang berkelanjutan untuk mencapai tujuan organisasi. Salah satunya adalah karang taruna desa Morang dimana merupakan sebuah wadah yang memiki fungsi sebagai pembinaan dan pengembangan potensi perekonomian desa. Karang taruna yang berada di desa Morang memiliki sebuah program unggulan berupa pekan ambyar. Namun kurangnya pemahaman dan pengetahuan dalam segi organisasi, administrasi dan keuangan menjadikan program ini sebatas perencanaan. Hal ini menjadikan alasan perlunya dilakukan pemantapan karang taruna. Metode yang digunakan dalam program pengabdian kepada masyarakat berupa pelatihan pendidikan masyarakat berupa pemahaman akan organisasi, administrasi, dan keuangan. Hasil yang dicapai dalam kegiatan ini adalah karang taruna dapat memahami dalam segi organisasi, segi administrasi, dan segi keuangan. Terlaksananya program unggulan pekan ambyar sebagai salah satu kegiatan yang iconic berdaya saing serta menjadikan desa Morang Maju.
Kata kunci: administrasi; keuangan; karang taruna; organisasi
Abstract:Abstract: The materials sector is one of the stock markets sectors that attracts investors due to the high level of construction activity in Indonesia, which supports long-term growth. Stock price movements are influenced…
d by various factors, requiring investors to determine the appropriate timing for buying, selling, or holding stocks. Therefore, this study aims to predict stock prices in the materials sector using a combination of CNN–BiLSTM algorithms. The research data were obtained from Yahoo Finance and processed through min–max normalization, data splitting, sliding window, model implementation, and evaluation stages. Testing was conducted on INTP and SMGR stocks with data split scenarios ranging from 60:40 to 90:10. The results show that CNN–BiLSTM performs best with a 90:10 data split, with minimum MSE and MAPE values of 0.000153 and 2.471% for INTP, and 0.000199 and 2.208% for SMGR, respectively. These findings indicate that increasing the proportion of training data improves the model's ability to learn historical patterns and produce more stable predictions.
Keywords: CNN-BILSTM; materials sector; stock
Abstrak: Sektor materials merupakan salah satu sektor saham yang diminati investor karena tingginya aktivitas pembangunan di Indonesia yang mendorong pertumbuhan jangka panjang. Pergerakan harga saham dipengaruhi oleh berbagai faktor sehingga investor perlu menentukan waktu transaksi yang tepat. Oleh karena itu, penelitian ini bertujuan memprediksi harga saham sektor materials menggunakan kombinasi algoritma CNN–BiLSTM. Data penelitian diperoleh dari Yahoo Finance dan diproses melalui tahapan normalisasi min–max, pembagian data, sliding window, implementasi model, serta evaluasi. Pengujian dilakukan pada saham INTP dan SMGR dengan skenario pembagian data 60:40 hingga 90:10. Hasil menunjukkan bahwa CNN–BiLSTM menghasilkan performa terbaik pada pembagian data 90:10, dengan nilai MSE dan MAPE minimum masing-masing sebesar 0.000153 dan 2.471% untuk INTP, serta 0.000199 dan 2.208% untuk SMGR. Temuan ini mengindikasikan bahwa peningkatan porsi data latih meningkatkan kemampuan model dalam mempelajari pola historis dan menghasilkan prediksi yang lebih stabil.
Kata kunci: CNN-BILSTM; saham; sektor materials
Abstract:Abstract: Non-performing loans remain one of the main challenges faced by cooperatives, particularly when the loan eligibility assessment process is still conducted manually. This traditional approach tends to be time consuming,…
nsuming, subjective, and prone to inaccurate decisions. This study aims to develop a predictive model for borrower eligibility using the Support Vector Machine (SVM) algorithm as a more efficient and objective machine learning-based solution. A total of 1,000 loan history records were processed using RapidMiner software, taking into account variables such as salary, years of employment, loan amount, monthly installment, employment status, monthly expenses, number of dependents, housing status, age, and collateral value. The model’s performance was evaluated using a confusion matrix and classification metrics including accuracy, precision, recall, and kappa. The results indicate that the SVM model achieved an accuracy of 90.05%, precision of 90.13%, recall of 90.05%, and f1 score of 90,08%, reflecting a strong performance in classifying borrower eligibility. The application of this method makes a significant contribution to the development of data driven decision support systems within cooperative environments. This finding expands the scientific understanding in the field of microfinance and supports the implementation of artificial intelligence technologies in making decisions that are more precise, rapid, and accurate.
Keywords: cooperative; eligibility prediction; machine learning; non-performing loan; SVM
Abstrak: Kredit macet merupakan salah satu permasalahan utama yang dihadapi koperasi, terutama ketika proses penilaian kelayakan peminjam masih dilakukan secara manual. Pendekatan ini cenderung lambat, subjektif, dan berisiko menghasilkan keputusan yang kurang akurat. Penelitian ini bertujuan untuk membangun model prediksi kelayakan peminjam menggunakan algoritma Support Vector Machine (SVM) sebagai solusi berbasis machine learning yang lebih efisien dan objektif. Sebanyak 1.000 data riwayat pinjaman diolah menggunakan tools RapidMiner dengan mempertimbangkan variabel: gaji, lama bekerja, besar pinjaman, angsuran per bulan, status pegawai, pengeluaran bulanan, jumlah tanggungan, status rumah, umur, dan nilai jaminan. Evaluasi model dilakukan menggunakan confusion matrix dan metrik klasifikasi seperti akurasi, presisi, recall, dan kappa. Hasil menunjukkan bahwa model SVM mencapai akurasi 90,05%, presisi 90,13%, recall 90,05%, dan f1 score 90,08%, yang mencerminkan performa model yang sangat baik dalam mengklasifikasikan kelayakan peminjam. Penerapan metode ini memberikan kontribusi penting dalam pengembangan sistem pendukung keputusan berbasis data di lingkungan koperasi. Temuan ini memperluas wawasan keilmuan di bidang keuangan mikro dan mendukung penerapan teknologi kecerdasan buatan dalam pengambilan keputusan yang lebih tepat, cepat, dan akurat.
Kata Kunci: koperasi; kredit macet; machine learning; prediksi kelayakan; SVM