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All Journal JURNAL ILMIAH MANAJEMEN BISNIS DAN TERAPAN Jurnal Ilmiah Akuntansi dan Keuangan Indonesian Journal of Accounting and Governance
Tuti Zakiyah
STIE Putra Bangsa
Humanities Economics, Econometrics & Finance Environmental Science

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Fintech Based Peer-too-peer (P2P) Lending : A Perspective of MSMEs In the New Normal Era of Pandemic Covid-19 Tuti Zakiyah
INDONESIAN JOURNAL OF ACCOUNTING AND GOVERNANCE Vol 5, No 1 (2021): JUNE
Publisher : Universitas Agung Podomoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36766/ijag.v5i1.132

Abstract

The purpose of this research is to find out the role of Fintech Peer to Peer (P2P) lending based on the perception in the new normal era of Covid-19 as a financial inclusion for the recovery of the MSME financial sector. The population of this research is MSMEs in Central Java and East Java Provinces. The survey method was carried out by collecting data using a questionnaire as a data collection tool. In addition, researchers also use purposive sampling method to determine the sample. The analysis hypothesis is used the outer model and EViews 10 for the evaluation of the inner model. The results of this study are that peer to peer  lending together has a significant effect on the interests of MSME actors in East Java in The New Normal Era of the Covid-19, this is also supported by the Adjevtive R value which shows the number 87%.
Membangun Ekuitas Merek Berbasis Konsumen Melalui Kepribadian Merek Di E-Commerce Kabul Trifiyanto; Wahyuni Windasari; Tuti Zakiyah
JEMBATAN Vol 18, No 2 (2021)
Publisher : Jurusan Manajemen Fakultas Ekonomi Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jmbt.v18i2.14115

Abstract

Brand is the reason that consumers consider important in choosing a product or service. Building brand equity is a strategic step that is able to provide competitive value for e-commerce companies in the midst of intense competition. This study assesses the impact of the CBBE antecedent instrument of cognitive factors (internal consumers) and marketing (external) factors on the formation of brand equity through brand personality in e-commerce companies. The study was conducted with a quantitative approach by distributing questionnaires as many as 153 respondents who are active users and have frequently made purchases through e-commerce in Indonesia which are then processed using SPSS 25. The results of the study indicate that cognitive antecedents have a positive effect on brand personality and brand equity. Marketing antecedents in e-commerce companies in Indonesia have no effect on brand equity but have an influence on brand personality. Brand personality is proven to be able to partially mediate cognitive factors and fully mediate marketing factors on brand equity. This research provides the latest contribution to the development of a digital industry strategy to build brand equity in e-commerce companies
Implementasi Model Finansial Distres Pada Perusahaan Manufaktur Yang Terdaftar di IDX Tahun 2015-2017 Tuti Zakiyah; Wahyuni Windasari
JIAK : Jurnal Ilmiah Akuntansi dan Keuangan Vol 9 No 1 (2020): JIAK
Publisher : P4M STIE Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/jiak.v9i1.330

Abstract

Manufacturing Company is a sample of this study, the dependent variable used in this study is a binary variable, namely whether the company is in financial distress or non-financial distress. Hypothesis testing uses binary logistic regression (Binary Logistic Regression) because the dependent variable is a combination of metric and non-metric (nominal). The model used is the Altman Z-Score model, Springate S-Score, Grover G-Score, Zmijewski X-Score, and univariate models. Of the five models, the best model is the Springate S-Score with a Nagelkerke R2 value of 0.582. the second is, Zmijewski X-Score with a value of 0.227 and the third best is the Univariate Model with a value of 0.042. Of the three best models, namely the Springate S-Score, Zmijewski X-Score and the Univariate Model. The implementation is that the ratios in these models are very important to be considered by companies as a sensitivity tool so that companies do not experience financial distress. ratios that are often used are ratios related to the company's ability to manage and produce net working capital, sales, debt and ability to generate profits from sales and profits from assets.
Co-Authors Kabul Trifiyanto Windasari, Wahyuni