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All Journal AKUNTABILITAS: Jurnal Penelitian dan Pengembangan Akuntansi TECHNOBIZ : International Journal of Business Muria Jurnal Layanan Masyarakat COMMENT: Journal of Community Empowerment Dharma Jnana Jurnal REP (Riset Ekonomi Pembangunan)
Izza Ashsifa
Universitas Muria Kudus
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Literasi Investasi sebagai Upaya untuk Meningkatkan Perilaku Sadar Berinvestasi pada Kelompok Investor Pemula di Kudus Izza Ashsifa; Naila Rizki Salisa; Ulva Rizky Mulyani
Muria Jurnal Layanan Masyarakat Vol 4, No 1 (2022): Maret 2022
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/mjlm.v4i1.6156

Abstract

This proposed community service program is designed to provide solutions and assist novice investors in making investments. The basis for proposing this service is the existence of problems, including the limited ability of human resources to obtain investment information and how to manage it, lack of financial literacy, do not have long enough financial goals, and do not have special capital only for investment, experiencing fear to do investment, not confident, and afraid of losing. The activities that will be carried out in this service are to provide investment literacy as an effort to increase investment awareness behavior. The objectives to be achieved are: 1) increasing public awareness of the importance of investing 2) increasing the understanding of novice investors about investment instruments 3) beginner investors can choose the right type of investment and 4) beginner investors can apply good investment strategies. The approach offered in the realization of this service is a mentoring model through outreach activities that focus on investment literacy, capital markets, risks, and returns on investment.
Pengaruh Non Performing Loan (NPL) , BOPO dan Ukuran Perusahaan Terhadap Return On Assets (ROA) Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia (BEI) Nur Khamisah; Dhiona Ayu Nani; Izza Ashsifa
TECHNOBIZ : International Journal of Business VOL 3, NO 2 (2020) : OKTOBER
Publisher : Universitas Teknokrat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/tb.v3i2.836

Abstract

The study entitled Analyzed Influencing Non-Performing Loan (NPL), BOPO and Size on Return On Assets in regional development banks Indonesia during period 2010 through 2013. This research is performed in order to test the influence of the variable Non-Performing Loan (NPL), BOPO and Firm Size toward Return on Assets (ROA) simultanously and partially. Obtained by amount sample as much 24 company banking company in Indonesia 2010-2013 period. The sample was selected using purposive sampling method. The data collected will be analyzed using multiple linear regression with and using SPSS 19 for Windows. The results showed that non-performing loan, BOPO and Size simultaneous effect on return on assets. The partially that non-performing loan ratio is partially negative but unsignificant effect on return on assets, BOPO significant and negative effect on return on assets and Size ratio is partially positive and unsignificant effect on return on assets
PENGARUH TECHNOLOGY ACCEPTANCE MODEL (TAM) TERHADAP KEPUASAN PELANGGAN DAN NIAT PENGGUNAAN MOBILE BANKING SECARA BERKELANJUTAN (PRIVASI DAN PERSONALISASI SEBAGAI VARIABEL MODERASI) Izza Ashsifa
TECHNOBIZ : International Journal of Business VOL 3, NO 1 (2020) : APRIL
Publisher : Universitas Teknokrat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/tb.v3i1.644

Abstract

Meningkatnya penggunaan smartphone memungkinkan pengguna untuk mengakses akun perbankan online di manapun dan kapanpun. Aksesibilitas tersebut merupakan keuntungan bagi bank-bank besar. Penting untuk disoroti bahwa jumlah klien yang beroperasi melalui perbankan online tidak meningkat sebanyak yang diharapkan. Beberapa aspek seperti kurangnya kepercayaan terhadap sistem, perlakuan impersonal atau kurangnya keamanan dan perlindungan privasi, kurangnya personalisasi yang efektif telah menyebabkan keengganan dari banyak pelanggan untuk menggunakan aplikasi mobile banking tersebut. Tujuan dari penelitian ini adalah untuk mengisi kesenjangan literatur mobile banking menggunakan TAM dengan mengintegrasikan pengaruh privasi dan personalisasi terhadap kepuasan pelanggan dan niat penggunaan layanan mobile banking secara berkelanjutan. Teknik pengumpulan data pada penelitian ini menggunakan online survey dengan membagikan kuesioner secara online kepada pengguna mobile banking di Indonesia. SEM-PLS digunakan untuk menguji hipotesis model dengan jumlah sampel 407. Hasil penelitian menunjukkan bahwa perceived usefulness dan perceived ease of use berpengaruh positif terhadap kepuasan pelanggan. Privasi berpengaruh negatif terhadap kepuasan pelanggan sedangkan personalisasi tidak berpengaruh terhadap kepuasan pelanggan. Kepuasan pelanggan dapat menentukan niat penggunaan mobile banking secara berkelanjutan.  Kata Kunci: Technology Acceptance Model (TAM), privasi, personalisasi, kepuasan pelanggan, mobile banking
PELATIHAN DAN PENDAMPINGAN PENGELOLAAN KEUANGAN DAN OPTIMALISASI USAHA PADA CV ZERONE Izza Ashsifa; Muhammad Teguh Kuncoro
COMMENT: Journal of Community Empowerment Vol 2, No 2 (2022): December
Publisher : COMMENT: Journal of Community Empowerment

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/comment.v2i2.179

Abstract

The challenges for Micro, Small and Medium Enterprises (MSMEs) are getting bigger as a result of the complex economic environment. MSMEs need to have good financial management skills. Financial management is an important element of overall business management. With financial management, MSMEs can make decisions about inventory planning and pricing, sufficient cash flow to maintain business operations and for better business forecasting and projections. Effective financial management will affect the overall profit of MSMEs. Financial management through the preparation of financial reports will have a positive impact on MSMEs in optimizing their business in the long term.This community service program is designed to provide solutions and assist CV Zerone in conducting financial management. This community service program is carried out because there is no comprehensive financial reporting system at CV Zerone so that owners have difficulty measuring the company's financial performance. This activity is carried out by providing training and assistance in making financial reports. The objectives of this community service program are: 1) providing education on the importance of financial reports for the company, 2) assisting CV Zerone in preparing comprehensive financial reports to show financial performance, 3) assisting CV Zerone in analyzing financial reports to improve company performance. This community service program makes CV Zerone able to make comprehensive financial reports, gain skills to analyze the results of financial reports and be able to make strategic decisions to optimize its financial performance.
ANALISIS RASIO KEUANGAN TERHADAP FINANCIAL DISTRESS DENGAN UKURAN PERUSAHAAN SEBAGAI VARIABEL MODERASI Izza Ashsifa; Muhammad Teguh Kuncoro; Naila Rizki Salisa
TECHNOBIZ : International Journal of Business VOL 6, NO 1 (2023) : APRIL
Publisher : Universitas Teknokrat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/tb.v6i1.2705

Abstract

This study aims to analyze financial ratios' ability to predict a company's financial distress. The data used are data on industrial sector companies listed on the Indonesia Stock Exchange (IDX) in 2019-2021 with a total sample of 108 samples. The dependent variable, financial distress, is measured using the interest coverage ratio (ICR) indicator. Independent variables, liquidity measured using the current ratio (CR), profitability using return on assets (ROA), and leverage measured using the debt-to-equity ratio (DER). The moderation variable in this study is company size. This study used logistic regression analysis and MRA. The results of the study using logistic regression tests showed that leverage had a positive effect on financial distress, while liquidity and profitability did not affect financial distress. Based on the MRA test, company size is able to moderate the effect of leverage on financial distress. In contrast, the company size is unable to moderate the effect of liquidity and profitability on financial distress. This research contributes to investors who can use this model by incorporating financial ratio indicators to assess a company's financial health before making investment-related decisions Keywords: financial distress, liquidity, profitability, leverage, company size
Pelatihan Strategi Digital Marketing Dalam Meningkatkan Penjualan Pada Usaha Halu Kopi Zuliyati; Evana Andriani; Izza Ashsifa; Affan Wazzar Achmad; Febra Robiyanto
Jurnal Dharma Jnana Vol. 3 No. 1 (2023): JURNAL DHARMA JNANA
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perubahan besar terjadi dalam kehidupan manusia pasca pandemi Covid-19. Dalam dua tahun setelah awal dari pandemi Covid-19, perkembangan teknologi sangat cepat dan mempengaruhi semua aspek kehidupan. Tidak dipungkiri perkembangan teknologi juga membantu para UMKM untuk memasarkan produk mereka. Hal tersebut dikarenakan perubahan perilaku belanja dari para konsumen menjadi lebih cenderung berbelanja secara online. Para UMKM tentunya membutuhkan strategi digital marketing yang tepat untuk menangkap peluang tersebut. Saat ini tersedia banyak platform yang bisa digunakan para UMKM untuk menjalankan strategi pemasarannya. Digital marketing mengemas produk secara unik untuk menarik minat para konsumen, digital marketing dapat diterapkan oleh para UMKM menggunakan berbagai aplikasi yang tersedia misalnya seperti WhatsApp, Facebook, Instagram, Tiktok, bahkan dapat menggunakan e-commerce yang tersedia seperti Tokopedia, Bukalapak, Shopee, atau menggunakan aplikasi jasa pesan antar makanan online seperti Gojek, Grab dengan tujuan akhir tentunya untuk meningkatkan penjualan produk mereka. Para pengusaha UMKM ini tentunya harus menyiapkan berbagai strategi pemasaran, dan penting bagi mereka untuk memiliki pengetahuan tentang digital marketing dalam rangka mengembangkan dan meningkatkan penjualan usahanya.
The EFFECTIVENESS OF VILLAGE FUND MANAGEMENT: ACCOUNTABILITY, TRANSPARENCY AND COMMUNITY PARTICIPATION Izza Ashsifa; Alfiyani Nur Hidayanti; Ulva Rizky Mulyani
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 8 No. 1 (2023): April 2023
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v8i1.946

Abstract

Government accounting principles, such as accountability, transparency, and participation, are a form of central government, regional, and village obligations. As a government unit directly managing communities with different backgrounds, interests, and needs, the village plays a very important role. In managing village funds, accountability, transparency, and community participation are very important things to do. This study examines and analyzes the effect of accountability and transparency on village fund management in Pati District, with community participation as a moderation variable. This study used research with a quantitative approach. The type of data used in this study is quantitative data. The source of data in this study is primary data. Data collection techniques for this study use survey techniques carried out by distributing questionnaires directly to research respondents. This study used a questionnaire with a Likert Scale model. Structural equation modeling-partial least square (SEM-PLS) tests model hypotheses using SmartPLS. The samples obtained amounted to 300. The respondents in this study were village heads, village secretaries, and village treasurers in Pati Regency. Based on the results of the analysis and hypothesis tests, it proves that accountability and transparency positively affect the effectiveness of village fund management in Pati Regency. This research contributes to the government and community as a reference and evaluation of the government in village fund management. Thus, the budget can empower the community and become information material to optimize community expertise.
How Does Economic Uncertainty Impact the Banking Sector Performance? Evidence from ASEAN Muhammad Teguh Kuncoro; Izza Ashsifa
AKUNTABILITAS Vol 17, No 2 (2023): AKUNTABILITAS
Publisher : Department of Accounting, Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/ja.v17i2.22383

Abstract

In recent years, global economic uncertainty has become a growing concern, particularly with the outbreak of the COVID-19 pandemic. Increased economic uncertainty significantly constrains bank risk, at some point weakening bank stability. This study examines and analyses solvency and liquidity on the firm performance of banking sector in ASEAN countries in the 2013-2022 period by economic uncertainty as a moderating variable. The samples obtained amounted to 1080. The results show that liquidity and economic uncertainty negatively affect firm performance. Solvency does not affect firm performance. Economic uncertainty as a moderation variable cannot moderate the effect of solvency on firm performance. Still, economic uncertainty can moderate (strengthen) the effect of liquidity on firm performance.
Co-Authors Affan Wazzar Achmad Alfiyani Nur Hidayanti Dhiona Ayu Nani Evana Andriani Febra Robiyanto, Febra Khamisah, Nur Muhammad Teguh Kuncoro Muhammad Teguh Kuncoro Naila Rizki Salisa Salisa, Naila Rizki Ulva Rizky Mulyani Zuliyati Zuliyati