Sugeng Rianto

Tujuan kegiatan pengabdian masyarakat ini adalah untuk membantu meningkatkan kinerja penjualan UMKM di Kelurahan Tlogosari Kulon untuk merambah jangkauan pasar yang lebih luas agar terhindar dari kebangkrutan. Metode yang digunakan dalam program pengabdian masyarakat ini adalah pelatihan langsung melalui tutorial di tempat yang mengajarkan sebanyak 12 peserta dari UMKM mengenai cara menerapkan pemasaran digital dan promosi online untuk menjagkau pasar yang lebih luas. Pelatihan diawali dengan memberikan pra test, evaluasi pra tes kemudian penyampaian materi dan pelatihan pembuatan akun digital marketing bagi pelaku UMKM kemudian dilakukan evaluasi post tes. Hasil yang dicapai adalah pelaku UMKM di kelurahan Tlogosari Kulon memiliki akun digital marketing yang akan membantu menjangkau pasar yang lebih luas dan produk UMKN akan menjadi lebih dikenal. Kegiatan ini juga diarahkan untuk memperkuat pemahaman peserta mengenai pemilihan kanal promosi yang sesuai dengan karakteristik produk dan calon konsumen, penyusunan profil usaha, pembuatan konten promosi sederhana, serta pentingnya komunikasi yang responsif dengan pelanggan. Pelaksanaan kegiatan menggunakan pendekatan partisipatif melalui penyampaian materi, diskusi, demonstrasi, praktik langsung, dan pendampingan. Peserta diperkenalkan pada sejumlah kanal, antara lain Instagram, Facebook, WhatsApp Business, Google Business Profile, marketplace, serta layanan pesan antar yang relevan dengan jenis usaha. Evaluasi dilakukan melalui pengamatan selama pelatihan, diskusi, dan kuesioner mengenai pemahaman awal, penggunaan media digital, serta kesiapan peserta untuk menerapkan pemasaran digital setelah kegiatan. Hasil evaluasi menunjukkan bahwa seluruh peserta menyatakan pelatihan menambah pengetahuan dan memberikan manfaat bagi pengembangan usaha. Sebelum pelatihan, 46,15% peserta telah mengetahui digital marketing dan 38,46% telah menggunakan media sosial atau platform digital untuk promosi. Setelah pelatihan, 84,62% peserta menyatakan akan membuat akun bisnis, sementara 76,92% menyatakan membutuhkan media digital untuk memperluas pasar. Temuan tersebut memperlihatkan bahwa pelatihan dan praktik langsung relevan untuk mendorong kesiapan awal UMKM dalam beralih dari pemasaran yang dominan konvensional menuju promosi digital. Namun, hasil ini lebih tepat dipahami sebagai peningkatan pengetahuan, motivasi, dan kesiapan penerapan; kegiatan ini belum mengukur perubahan omzet secara longitudinal. Oleh karena itu, pendampingan lanjutan diperlukan untuk memantau konsistensi pengelolaan akun, kualitas konten, interaksi dengan konsumen, dan perkembangan jangkauan pemasaran.

This study aims to analyze the influence of financial literacy, financial attitude, and financial knowledge on personal financial management behavior (PFMB), as well as examine the mediating role of locus of control among MSME actors in North Semarang District. This research employs a quantitative approach with 96 respondents selected through a purposive sampling technique. The analytical method used is Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4.0. The results indicate that financial literacy, financial attitude, and financial knowledge have a positive and significant effect on PFMB. In addition, locus of control significantly mediates the relationship between financial literacy and PFMB, financial attitude and PFMB, as well as financial knowledge and PFMB. These findings suggest that individuals' belief in their ability to control financial decisions strengthens the influence of financial literacy, financial attitude, and financial knowledge on financial management behavior. Overall, this study highlights the importance of enhancing financial literacy, financial attitude, financial knowledge, and locus of control in supporting better financial management behavior among MSME actors

This study aims to enhance the Personal Financial Management Practices Of SMEs by Examining Financial Attitude, Literacy, And Knowledge: A Study Focused On SMEs in Central Java. The respondents were MSME actors in the food and beverage sector in Central Java District, with a sample size of 70 MSMEs. The study employed purposive sampling, and data analysis was conducted using SmartPLS version 4.0. The research results indicate that financial attitude significantly and positively affects the locus of control; financial literacy has a negative but significant impact on the locus of control; financial knowledge significantly and positively influences the locus of control. Additionally, financial attitude has a significant positive effect on personal financial management behavior, whereas financial literacy has a negative and insignificant effect. Financial knowledge strongly influences personal financial management behavior positively and significantly. The locus of control also has a significant positive impact on personal financial management behavior. Furthermore, financial attitude influences personal management behavior positively through the locus of control as an intervening variable. Conversely, financial literacy shows a negative effect, while financial knowledge exhibits a positive and significant impact on personal financial management behavior.

This study aims to determine the company's financial performance by testing the influence of independent variables, namely Loan to Deposit Ratio (X1), Non-Performing Loan (X2), and LN Size (X3), on the dependent variable, namely firm value (Y), in financing companies listed on the Indonesia Stock Exchange during the period 2021–2024. The sample used in this study consisted of 36 companies selected using purposive sampling techniques, then multiplied by four years of research, resulting in a total of 144 company observations analyzed. The data analysis method employed is SmartPLS 4.0. The results of the study show that the Loan to Deposit Ratio has a positive and significant effect on Price Book Value. The Non-Performing Loan has a positive and significant effect on Price Book Value. LN Size also has a positive and significant effect on Price Book Value. The Loan to Deposit Ratio on Price Book Value with Return on Assets as a moderating variable shows a positive and significant effect. The Non-Performing Loan on Price Book Value with Return on Assets as a moderating variable shows a negative and insignificant effect. Meanwhile, LN Size on Price Book Value with Return on Assets as a moderating variable shows a positive and significant effect