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Articles 1 - 27 of 27
Full-Text Articles in Business
Economic Valuation Model Of Vanname Shrimp Culture And Mangrove Rehabilitation, Elrin Meivian Mongi Mongi, Mahawan Karuniasa, Mufti Petala Patria
Economic Valuation Model Of Vanname Shrimp Culture And Mangrove Rehabilitation, Elrin Meivian Mongi Mongi, Mahawan Karuniasa, Mufti Petala Patria
Journal of Environmental Science and Sustainable Development
The current climate change is caused by anthropogenic activities involving energy and industry usage that affect the temperature and climate of the Earth. The Paris Agreement on climate change is a commitment by some countries to act to address climate change by developing sustainably and emitting low levels of carbon dioxide (CO2). Changes in the oceans include temperature increases, acidification, and changes in currents, leading to decreased productivity in fishing and aquaculture. Integrated mangrove shrimp farming, known as silvofisheries, has been recognized as environmentally friendly cultivation. The implementation of silvofishery is a form of mangrove ecosystem management that integrates ecology …
Pengaruh Soft Total Quality Management Terhadap Kinerja Ukm Di Dki Jakarta: Pendekatan Balanced Scorecard, Aufa Yarzqi Zihni, Helman Arif
Pengaruh Soft Total Quality Management Terhadap Kinerja Ukm Di Dki Jakarta: Pendekatan Balanced Scorecard, Aufa Yarzqi Zihni, Helman Arif
Jurnal Manajemen dan Usahawan Indonesia
This study aims to analyse the effect of Soft Total Quality Management (Soft TQM) on SME performance in Jakarta, both from financial and non-financial perspectives. We used a balanced scorecard (BSC) approach and collected 135 datasets through online surveys to the business owners/manager. Data analysis was carried out by Structural Equation Modelling (SEM) method. The results of the data analysis showed that soft TQM has a negative and not significant effect on SMEs financial perspective, however there is a positive and significant effect on SMEs non-financial perspective. This study also discovered that innovation and leaning perspective mediates the impact of …
Budgeting And Cataloging Enhancement For Small And Medium-Sized Enterprises Towards Sustainable Development Goals, Velicia Faustine Halim, Hasnul Suhaimi
Budgeting And Cataloging Enhancement For Small And Medium-Sized Enterprises Towards Sustainable Development Goals, Velicia Faustine Halim, Hasnul Suhaimi
Journal of Environmental Science and Sustainable Development
This paper describes a business coaching activity for small and medium enterprises (SMEs) in chemical and waste management industries. Based on the analysis results, there was a lack of budgeting practice and suboptimal catalog marketing that comprised the majority of existing problems in SMEs. This research aims to assist the SME in improving its budgeting practice and product catalog. The method used is a qualitative method based on a business coaching approach. The research instruments adopted included in-depth individual interviews (IDI). The collected data was then processed and analyzed, starting with generating the SME's business process and service blueprint, followed …
A Comparative Study On Contract-Based And Coproduction-Based Entrepreneurship Training Programs: A Study Case Of Jakarta Province, Fazlur Rahman Hassan, Muhammad Rizqy Anandhika, Maulana Fajrul Izzi
A Comparative Study On Contract-Based And Coproduction-Based Entrepreneurship Training Programs: A Study Case Of Jakarta Province, Fazlur Rahman Hassan, Muhammad Rizqy Anandhika, Maulana Fajrul Izzi
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
Training is essential to guide and equip SMEs with the necessary skill sets to adapt to the disruption of the COVID-19 pandemic. The budget limitation urged DKI Jakarta Provincial Government (DJPG) to change their conventional training program for SMEs and arrange an IT-based platform enabling all city entities, including private and non-private sectors, to participate in a coproduction scheme. This study employed the performance outcomes framework to examine the impacts of coproduction in entrepreneurship training for SMEs by comparing contract-based and coproduction-based training conducted by DJPG, including the impacts on the deliverables and budget. The results indicate that overall, coproduction-based …
The Artpreneurship: Innovate To Overcome The Challenge, Gabriella Hanny Kusuma, Anggreni Dian Kurniawati, Sheellyana Junaedi M. F., Theresia Diah Widiastuti
The Artpreneurship: Innovate To Overcome The Challenge, Gabriella Hanny Kusuma, Anggreni Dian Kurniawati, Sheellyana Junaedi M. F., Theresia Diah Widiastuti
ASEAN Journal of Community Engagement
This community engagement program aimed to improve the innovation of artpreneurs, a combination of artistic qualities with business sense in cultural sectors, overcoming the impact of the disruptive moment, such as the COVID-19 pandemic. This program used the Asset-Based Community Development method to explore the needs of the community. The exploration process used an appreciative inquiry approach to determine strengths, opportunities, aspirations, and results based on the inquiry from the community. This program was conducted in Ngestiharjo Village, Yogyakarta, Indonesia, as a part of the community service learning program Wiradesa conducted by the students and organized by Universitas Atma Jaya …
Exploring The Benefit Of Introducing Accounting And Finance Knowledge For Micro And Small Entrepreneurs During The Covid-19 Pandemic, Nurul Hidayah, Lucky Nugroho, Harry Suharman, Anees Janee Ali
Exploring The Benefit Of Introducing Accounting And Finance Knowledge For Micro And Small Entrepreneurs During The Covid-19 Pandemic, Nurul Hidayah, Lucky Nugroho, Harry Suharman, Anees Janee Ali
ASEAN Journal of Community Engagement
This study aims to explore the benefit of introducing the accounting and finance knowledge for micro and small business enterprises, in particular during the time of the coronavirus disease 2019. The COVID-19 pandemic has severely affected the micro and small enterprises. A large number of industries faced the risk of lower sales, which in turn badly hit their businesses. To assist micro and small business entrepreneurs in maintaining sustainability by improving their bookkeeping skills by using digital applications, a team of lecturers from Universitas Mercu Buana, Indonesia, and Universiti Sains Malaysia, Malaysia, collaborated on socialization activities and interactions. The lecturers …
Indonesian Halal Msme Open Innovation With Islamic Fintech Adoption, Muhammad Alfarizi, Ngatindriatun Ngatindriatun
Indonesian Halal Msme Open Innovation With Islamic Fintech Adoption, Muhammad Alfarizi, Ngatindriatun Ngatindriatun
Jurnal Akuntansi dan Keuangan Indonesia
The Fourth Industrial Revolution has led to the development of Islamic FinTech innovations to meet the needs of the Muslim community. This study analyzes the factors that determine the adoption of Sharia FinTech by halal MSME owners. The study utilized an exploratory method based on an online survey of halal MSME owners with 319 samples. The PLS-SEM analysis technique was chosen to prove the research hypothesis. This research finds that variables such as religiosity, Islamic financial literacy, and perception of risk affect the intention to adopt Islamic FinTech. The UTAUT2 variable has a positive effect on knowledge of Sharia FinTech …
Determinants Of Entrepreneurial Intention: A Study On Indonesian Students, Satriadi Satriadi, Abu Muna Almaududi Ausat, D. Yadi Heryadi, Warkianto Widjaja, Ade Risna Sari
Determinants Of Entrepreneurial Intention: A Study On Indonesian Students, Satriadi Satriadi, Abu Muna Almaududi Ausat, D. Yadi Heryadi, Warkianto Widjaja, Ade Risna Sari
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
Finding jobs for university graduates is becoming more difficult as the number of job opportunities available is not proportional to the number of graduates. This situation is aggravated by the low interest of the Indonesian population in entrepreneurship, which is at roughly 3.1%. This study aims to investigate the effect of entrepreneurial self-efficacy, creativity, attitude toward entrepreneurship, social media, entrepreneurial culture, and motivation on student’s entrepreneurial intentions. Social media is warranted in the study as the respondents are in the group of millennials. A quantitative method was used. The data analysis employed Structural Equation Modelling (SEM) with Partial Least Squares …
Dampak Pinjaman Mikro Terhadap Kesejahteraan Rumah Tangga Perempuan Pengusaha Mikro Dan Kecil, Dewi Ratna Sjari M, Bonar M. Sinaga, Nunung Kusnadi, Yusman Syaukat
Dampak Pinjaman Mikro Terhadap Kesejahteraan Rumah Tangga Perempuan Pengusaha Mikro Dan Kecil, Dewi Ratna Sjari M, Bonar M. Sinaga, Nunung Kusnadi, Yusman Syaukat
Jurnal Ekonomi dan Pembangunan Indonesia
This study aims to examine how credit lending can improve MSEs performance, its impact on women micro and small entrepreneurs (PPMK) household welfare, and the determinants of their disinterest in subsidised loans. Using a sample of 82 PPMK households in Depok City and Bogor Regency with the Propensity Score Matching (PSM) method, the results showed loans could boost business income. Still, the government’s credit with low-interest rates is not the primary choice due to limited knowledge, an obligation for collateral, and religious issues such as usury. This study also shows government credit assistance can improve the welfare of MSE households.
Enhancing Citizens’ Participation In Planning And Budgeting In Kibaha Town Council, Tanzania, Mrisho M. Malipula
Enhancing Citizens’ Participation In Planning And Budgeting In Kibaha Town Council, Tanzania, Mrisho M. Malipula
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
Citizens’ participation is deemed key in the planning and budgeting of developmental activities, but grassroots participation in such endeavors has proven problematic. Against such a backdrop, this study examined citizens’ participation in planning and budgeting processes in local governments. It explores the nature and level of citizens’ participation in planning and budgeting, as well as challenges impeding their participation in the same KTC. The study employed a qualitative stakeholder analysis that involved a sum of 42 interviewees. 24 participated in 3 FGDs involving women, youth, and farmers, and 18 as Key Informants purposively picked among Councillors, WDC members, CSO leaders, …
Unveiling The Impact Of Covid-19 And The Policy Implications On Indonesian Small Businesses: Where Do They Hurt The Most?, Sri Wahyuni, Novita Ikasari
Unveiling The Impact Of Covid-19 And The Policy Implications On Indonesian Small Businesses: Where Do They Hurt The Most?, Sri Wahyuni, Novita Ikasari
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
The catastrophic impact of COVID-19 Pandemic on micro, small and medium enterprises (MSMEs) is well-presented across countries featured on a helicopter view. However, studies on business activities as proxies to business functions that are exclusively affected by the pandemic are scarcely found, which in turn might cause ineffective recovery policy. Using Indonesia as a case in point, this study aims at codifying the particular business activities to proxy the functions that have been impacted across the sectors and business owners’ perception on the government’s policy. The study uses indicators for three business functions that are qualitatively constructed from previous studies …
Miracle 14: Transparency In Indonesia’S State-Owned Enterprises, Muhammad Yasin, Harsanto Nursadi
Miracle 14: Transparency In Indonesia’S State-Owned Enterprises, Muhammad Yasin, Harsanto Nursadi
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
In administrative science and administrative law, public information disclosure has universally recognized as important partway to good governance. There is an explosive recognition of the world to freedom of information act. Freedom of information or right to information is a inseparable part of transparency principle in governance. Enacting freedom of information act is an effort not only to make government better, but also to create trust among government, the business, and citizens. Indonesia has enacted Act Number 14/2008 (FOI Act) and run into force in 2010, which contains 14 obligations to State-Owned Enterprises (SOE’s). This paper will focus to elaborate …
Evaluation Study Of The Implementation Of Flexible Working Arrangement In Public Sector Organization During Covid-19 Pandemic, Krismiyati Tasrin, Agus Wahyuadianto, Pratiwi Pratiwi, Masrully Masrully
Evaluation Study Of The Implementation Of Flexible Working Arrangement In Public Sector Organization During Covid-19 Pandemic, Krismiyati Tasrin, Agus Wahyuadianto, Pratiwi Pratiwi, Masrully Masrully
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
The studies of Flexible Working Arrangement (FWA) have increased significantly in 2020. However, most studies are focused on the benefits and risks of FWA in general or particular jobs. The model of FWA implementation in different characteristics of jobs to improve performances are still insufficiently researched. Using a case study with qualitative and quasi-statistic data, this study investigates the Indonesian public sector in implementing FWA policy. Investigating Indonesia allows the researchers to describe how FWA in a mandated leading training institute promotes performances in different types of jobs. This study finds that each department endured unique circumstances. The Research Department …
What Can Indonesian Businesses Learn From The We Mean Business Initiative To Address Climate Change?, Erla Mychelisda, Nur Firdaus
What Can Indonesian Businesses Learn From The We Mean Business Initiative To Address Climate Change?, Erla Mychelisda, Nur Firdaus
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
Climate change has been a much-discussed topic around the globe, and all stakeholders, including the business sector, must take collective and serious actions. The We Mean Business (WMB) initiative is a non-profit organisation that supports companies to develop policies and accelerate the transition to a low-carbon economy and achieve sustainable business. On the other hand, Indonesia, as one of the world biggest emitters and signed the Paris Agreement, are also required to meet its climate pledge. Unfortunately, not many Indonesian businesses have shown their contribution to climate change. This study aims to analyse the companies’ commitments under the WMB coalition …
Study On Green Products Innovation Of Fashion Sme “Np”, Griba Raymundo Ginting, Lamtiur Hasianna Tampubolon
Study On Green Products Innovation Of Fashion Sme “Np”, Griba Raymundo Ginting, Lamtiur Hasianna Tampubolon
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
Innovation is a social and economic success due to the discovery of new solutions that significantly improve value offered to customers and benefits perceived by customers with cost exchanges as profits. Therefore, innovation becomes a competitive advantage for MSME to have the ability to compete and survive in dynamic markets. The purpose of this research is to examine innovations in the green products of MSME Fashion. The research uses qualitative methods with semi-structured interviews and observations. Data is obtained through in-depth interviews with three informants namely the owner and two employees of Fashion SME and triangulation to two consumers of …
Factors Affecting Performance And Growth Of Food Sector Bumd Jakarta Province, Henry Mp Siahaan, Dominicus Savio Priyarsono, Amzul Rifin, Bustanul Arifin
Factors Affecting Performance And Growth Of Food Sector Bumd Jakarta Province, Henry Mp Siahaan, Dominicus Savio Priyarsono, Amzul Rifin, Bustanul Arifin
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
Through a quantitative approach to data analysis using SEM-PLS, this research aims to identify factors that can improve the performance and growth of the food sector BUMD of DKI Jakarta Province. This research was motivated based on the fact that most BUMDs in Indonesia underperform with various causes. Total respondents were 98 employees from middle to top level management positions in three food BUMDs in DKI Jakarta. The main findings of this research are 12 indicators (inner model) which are divided into five variables in the measurement model (outer model): management, organization, human resources, finance and technology that have a …
Accommodating Decision-Makers Needs & Preferences In An Oil And Gas State-Owned Enterprise By Ssm Based Action Research, Hanto Yananto, Utomo Sarjono Putro, Yos Sunitiyoso
Accommodating Decision-Makers Needs & Preferences In An Oil And Gas State-Owned Enterprise By Ssm Based Action Research, Hanto Yananto, Utomo Sarjono Putro, Yos Sunitiyoso
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
The Covid-19 Pandemic has shifted the behaviour of decision-makers in all business processes. This situation has accelerated the process of digitizing all information, information technology, and business processes. As a subsidiary of an Oil and Gas State-Owned Enterprise in Indonesia, The SHU also has a similar SOE's bureaucracy for the approval process in business development. What factors were considered, and how did the interaction and interrelation within those factors influence the decision-making is the main question in this research. This research aims at developing the decision-making system by accommodating the decision-maker's needs and preferences. Action research based on soft systems …
Factors Influencing Purchase Intention In Affecting Purchase Decision: A Study Of E-Commerce Customer In Greater Jakarta, Farida Komalasari, Antonny Christianto, Eko Ganiarto
Factors Influencing Purchase Intention In Affecting Purchase Decision: A Study Of E-Commerce Customer In Greater Jakarta, Farida Komalasari, Antonny Christianto, Eko Ganiarto
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
This study aims to identify factors influencing purchase intention in affecting purchase decision of e-commerce customers in Greater Jakarta. This research employs survey by distributing questionnaires to 300 respondents in Greater Jakarta aged between 19 – 39 years old, who were selected by purposive snowball sampling technique. The data collected were analyzed by Structural Equation Model (SEM). This research reveals that perceived risk has a negative impact on purchase intention, while perceived benefit, trust, and brand image have a positive impact on purchase intention. Meanwhile, purchase intention has a positive impact on purchase decision for e-commerce customers. It is important …
Developing An On-Campus Creative Economy Clinic To Elevate The Quality Of Existing Community Service Program, Andri Zainal, T. Citra Nisa Farza, Khairunnisa Harahap, Pasca Dwi Putra
Developing An On-Campus Creative Economy Clinic To Elevate The Quality Of Existing Community Service Program, Andri Zainal, T. Citra Nisa Farza, Khairunnisa Harahap, Pasca Dwi Putra
ASEAN Journal of Community Engagement
The ongoing community service program has not provided optimal and sustainable outcomes that can improve the creative economy sector as a partner, especially in the era of technological disruption. This study describes the importance of setting up a creative economy clinic at the university, which is based on the needs of upscaling local micro, small, and medium enterprises (MSMEs’) performance. The discussions presented in the paper arise from a qualitative conceptual study using an instrumental case study approach, linking insights from theoretical perspectives and works across disciplines that concern the development of a creative economy clinic. The results of the …
A Symbolic Participation Of The Local Community In The Implementation Of A Proper-Based Corporate Social Responsibility (Csr) Program, Yosef Hillarius Timu Pera, Yusup Ridwansyah
A Symbolic Participation Of The Local Community In The Implementation Of A Proper-Based Corporate Social Responsibility (Csr) Program, Yosef Hillarius Timu Pera, Yusup Ridwansyah
Masyarakat, Jurnal Sosiologi
CSR practices continue to grow as a promising alternative development resource, yet still predominantly charitable in nature, preventing them from optimal community empowerment. Therefore, studies and policies at the national and global levels remain in search of the best format to optimize CSR programs’ role in community empowerment. A number of literature show less than optimal active participation and capacity-building of the community if a program is initiated by a directive, top-down approach, providing only a minimal participatory space based on the community’s potentials. Using qualitative method and in-depth interview techniques, this paper finds that the local community participation in …
Climbing The Stratification Ladder And The Decreasing Of Small Entrepreneurs Number In The Field Of Asgm In North Minahasa, North Sulawesi, Antonius Purwanto
Climbing The Stratification Ladder And The Decreasing Of Small Entrepreneurs Number In The Field Of Asgm In North Minahasa, North Sulawesi, Antonius Purwanto
Masyarakat, Jurnal Sosiologi
This article is the result of research on artisanal and small-scale gold mining in Tatelu. The study was conducted using field theory and qualitative research methods. With the permission from the government, mining activities become stable because there is certainty of ownership rights. Mining activities are managed by entrepreneurs, cooperatives, and the village government and have provided welfare for the people of Tatelu and surrounding areas. Villagers involved in mining have transformed economic capital obtained from mining into physical capital in the form of village infrastructure, housing, cultural or educational capital, and investment in other economic activities. There is vertical …
Social Development In The Urban Informal Sector: A Case Study Of Street Vendors In Pasar Minggu, Jakarta, Cucu Nurhayati
Social Development In The Urban Informal Sector: A Case Study Of Street Vendors In Pasar Minggu, Jakarta, Cucu Nurhayati
Masyarakat, Jurnal Sosiologi
Street vendors are basically able to sustain the economy of the urban poor. However, their existence is considered to cause disorder in the way they often deal with disciplinary actions organized by the government. The policy set by the provincial government on street vendors should be addressed to the cultural dimension, by minimizing acts of violence and instilling the values of cleanliness and order. Previous studies see street vendors as alternative economic actors who have a stake in the national economy. The studies also put more emphasis on policies (structure) and behaviour of street vendors (culture) so that they do …
The Paradox Of Informal Economy In Urban Area Indonesia: A Case Study Street Vendors In Jalan Salemba Raya, Jakarta, And Jalan Raya Sawangan, Depok, Rusydan Fathy, Dicky Rachmawan
The Paradox Of Informal Economy In Urban Area Indonesia: A Case Study Street Vendors In Jalan Salemba Raya, Jakarta, And Jalan Raya Sawangan, Depok, Rusydan Fathy, Dicky Rachmawan
Masyarakat, Jurnal Sosiologi
Informal economic has a big proportion which absorbs 58% of the workforce in Indonesia. In urban areas, it easily can be seen as street vendors (SV). Several previous studies on informal economic about street vendors see them from negative perspective (as the source of urban irregularity) and positive perspective (for contribution to national economic development). By using the literature review, observation, and depth interview with the SV at Jalan Salemba Raya (Jakarta City) and Jalan Raya Sawangan (Depok City), this article particularly shows with the second perspective of previous studies that SV contributes to economic activity in urban. The conversion …
The Duality Of Community Development And Community Relations Functions Csr Program Of Oil And Gas Company: Case Study Of Oil And Gas Company In Subang, West Java, Putri Yuliasari
Masyarakat, Jurnal Sosiologi
After the Reformation, various companies implement CSR programs with various goals, features, and forms. This article discusses the latent function of the BROERI Program of PT Pertamina EP Asset 3 Subang Field as an instrument to build corporate relations with its stakeholder (Community Relation), besides its manifest function in capacity building and community independence (Community Development). The previous studies have been more dominant in highlighting and focusing on the evaluation of community development functions of the CSR programs, rather than their community relation function. Whereas for oil and gas companies, the risk of conflict with communities and other local stakeholders …
The Social Accountability Paradox In The Regional Democratic Budget Policy Making, Rutiana Dwi Wahyunengseh, Sri Hastjarjo
The Social Accountability Paradox In The Regional Democratic Budget Policy Making, Rutiana Dwi Wahyunengseh, Sri Hastjarjo
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
Social accountability has been believed as an approach to overcome the deficit of the formal accountability (both horizontal and vertical accountability). Social accountability is percieved as a public accountability which is initiated by and aimed for the society. Several studies found the effectiveness of social accountability in encouraging a more transparent government and a wider public involvement. Those studies identified variables which contribute to the social accountability, i.e. the degree of government openness; the density of community organizations and their advocation capability; social, political, and cultural environment; and the public information accessibility. Data for this paper is collected through in-depth …
Challenges In Implementation Of Ict For The Budget Accountability And Development Of Budget Information Literacy, Rutiana Dwi Wahyunengseh, Sri Hastjarjo
Challenges In Implementation Of Ict For The Budget Accountability And Development Of Budget Information Literacy, Rutiana Dwi Wahyunengseh, Sri Hastjarjo
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi
In the case of Karanganyar Regency, this study identify that although the public aspire to have an adequate understanding about the APBD, the access for obtaining the information is very limited. Data collection methods used in this research were: (1) documents study on the Local Government Development Plan (RKPD) and the Regional Budget (APBD); (2) semi open-ended questionnaires; (3) in-depth interviews; and (4) focus group discussions. The data then analyzed using descriptive analysis and interpretive analysis methods. This paper recognizes the potency of ICT in developing the forum for public access and deliberation related to the budget information; while also …
Employing Service Learning In Community-University Partnership Program To Develop Local Msmes In Bungo And Tejo Regencies, Mona Novita, M. Syukri Ismail, Muhammad Solihin, Muhammad Asman
Employing Service Learning In Community-University Partnership Program To Develop Local Msmes In Bungo And Tejo Regencies, Mona Novita, M. Syukri Ismail, Muhammad Solihin, Muhammad Asman
ASEAN Journal of Community Engagement
This paper illustrates the implementation of a community project developed based on a partnership between the community and the local university in Bungo and Tebo Regencies. The project aims to develop the local micro, small, and medium enterprises (MSMEs) as a strategic step to increase the regional economy, taking the form of a so- called Community–University Partnership Program in Bungo and Tebo Regencies. The Community–University Partnership methodology employs the Service Learning (SL) method to increase MSME actors’ competence in terms of financial literacy, product packaging, and marketing. The effectiveness of the SL-based Community–University Partnership Program was measured using a quantitative …