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DAMPAK STRUKTUR MODAL TERHADAP KINERJA KEUANGAN DI SEKTOR PERDAGANGAN INDONESIA Ranila Suciati; Siti Hidayati; Kery Utami
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 1 (2021): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i1.17475

Abstract

A composition or a liability structure is the understanding of a company's capital structure. The purpose of this study is to analyze the capital structure and financial performance from 2015 to 2018 (4 years) in the Indonesian Trade Sector. The sample of this study was processed from annual report data of Indonesian Trade Sector companies listed on the Indonesia Stock Exchange, this is in accordance with the objectives of this study. The analytical method in this study uses panel data regression. The relationship between capital structure and financial performance will be revealed from this study. The independent variable is the capital structure will be proxied with a debt to equity ratio (DER), debt to asset ratio (DAR), and longterm debt ratio (LTDR). And for the dependent variable that is financial performance will be proxied by Return on Equity (ROE). Research on trade sector companies in Indonesia produces a R square model value of 0.9291 which means that 92.91% of financial performance is explained by the variables of this study.
THE STRATEGY OF SME / SMIS DEVELOPMENT IN DKI JAKARTA Sri Mulyantini; Siti Hidayati; Marlina Marlina
Hasanuddin Economics and Business Review Vol 3, No 3 (2020): HEBR Vol 3 No 3 February 2020
Publisher : Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (163.033 KB) | DOI: 10.26487/hebr.v3i2.1847

Abstract

This research aims to identify local government strategies in developing MSMEs. A qualitative method with observation techniques, in-depth interviews (depth interviews) and Focus Group Discussion (FGD) was applied to obtain primary data. The result was that IFE analysis with a score of 3.02 shows the internal conditions in a good category (the first rank was the marketing factor followed by production and information system factors). The result of the analysis of strengths, weaknesses, opportunities, and threats shows that the strategy lied in quadrant I. The right strategy in this quadrant is the aggressive strategy which in this case MSME players could take advantage of opportunities that are supported by internal strengths owned, oriented towards growth strategies. The total EFE matrix score is 3.15. which shows the external conditions are in a good category were in the first rank was the government's partisanship, the business world towards MSMEs, the separation of MSMEs and SMISs, and the availability of capital. The disadvantage is the high level of social and security vulnerability. Based on the QSPM and IFE Matrix, 2 cumulative alternative strategies were obtained with the TAS value of the Product Development Strategy of 2.54 and the TAS value of the Market Development Strategy of 2.78, as the main alternative that should be chosen. Based on QSPM and EFE, the TAS value of the Product Development strategy is 2.3 and the TAS value of the Market Development Strategy is 2.82, becoming the main alternative that should be chosen.
The Effect Capital Adequacy, Liquidity and Credit Risk to Profitability of Commercial Banks Chairunnisah Ramadhanti; Marlina Marlina; Siti Hidayati
Journal of Economics, Business, and Government Challenges Vol 2 No 1 (2019): Journal of Economics, Business, and Government Challenges
Publisher : Universitas Pembangunan Nasional "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/ebgc.v2i1.66

Abstract

This study aims to determine the effect of Capital Adequacy proxied with Capital Adequacy Ratio (CAR), Liquidity proxied by Loan to Deposit Ratio (LDR), and Credit Risk proxied by Non Performing Loans (NPL) toward Profitability proxied by Return on Asset (ROA). Population in this study are banking companies listed on the Indonesia Stock Exchange (IDX) 2015-2017. The technique of determination of the sample using the method of purposive sampling and obtained 27 banking companies with a research period of three years to obtain 81 units of samples. Data analysis was done using Microsoft Excel 2010 and hypothesis testing in this research using Data Panel Regression Analysis with the E-Views 9.0 program and a significance level of 5%. The results of the research shows that (1) capital adequacy (CAR) has a significant positive effect on profitability (ROA), (2) liquidity (LDR) has a positive and significant effect on profitability (ROA), (3) credit risk (NPL) has a negative effect and significant to profitability (ROA).
Financial Ratio Analysis of Bank Performance Vinky Era Ariesta; Marlina Marlina; Siti Hidayati
Journal of Economics, Business, and Government Challenges Vol 2 No 2 (2019): Journal of Economics, Business, and Government Challenges
Publisher : Universitas Pembangunan Nasional "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/ebgc.v2i2.80

Abstract

This study aims to determine the effect of Firm Size proxied with SIZE), Credit Risk proxied by Non Performing Loans (NPL), and Capital Adequacy proxied with Capital Adequacy Ratio (CAR) toward Bank Performance proxied by Return on Asset (ROA). Population in this study are banking companies listed in Indonesia Stock Exchange (IDX) 2015-2017. The technique of determination of the sample using the method of purposive sampling and obtained 27 banking companies with a research period of three years to obtain 81 units of samples. Data analysis was done using Microsoft Excel 2010 and hypothesis testing in this research using Data Panel Regression Analysis with the E-Views 9.0 program and a significance level of 5%. The results of the research shows that (1) Firm Size (SIZE) has a significant positive effect on Bank Performance (ROA), (2) Credit Risk (NPL) has a negative and significant effect on Bank Performance (ROA), (3) Capital Adequacy (CAR) has no effect and significant on Bank Performance (ROA).
TINGKAT KECUKUPAN MODAL, DANA PIHAK KETIGA DAN RISIKO BISNIS TERHADAP PROFITABILITAS BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA Diah Ayu Larasati; Marlina Marlina; Siti Hidayati
Ekonomi dan Bisnis Vol 4, No 2 (2017): Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (492.111 KB) | DOI: 10.35590/jeb.v4i2.740

Abstract

This study is a quantitative research that aims to determine the effect of capital adequacy rate, third party funds and business risk on profitability in banking companies listed on the Indonesia Stock Exchange period 2013-2016. The population in this study is a banking company listed on the Indonesia Stock Exchange period 2013-2016. Sample selection is done by using purposive sampling method. The sample used in this study are 14 national private commercial banks listed on Indonesia Stock Exchange period 2013-2016. The type of data used is secondary data and the method of analysis used is panel data regression using EViews 9.0 program. The result of regression panel data analysis using significance level of 0.05 indicates that the level of capital adequacy and business risk affect the profitability of the bank. While third party funds have no effect on bank profitability.
MODEL PEMBERDAYAAN WANITA WIRAUSAHA MELALUI MOTIVATIONAL FACTORS, INTERPERSONAL SKILL FACTORS, ENTREPRENEURIAL MINDSET FACTORS Suharyati Suharyati; Siti Hidayati; Subur Subur
Ekonomi dan Bisnis Vol 4, No 1 (2017): Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (340.885 KB) | DOI: 10.35590/jeb.v4i1.737

Abstract

Challenges and competition in the business in Indonesia in the era of globalization is very strict at national, regional and global level. The success of entrepreneurs in Indonesia can not be separated from the role of women in efforts to develop the entrepreneurial activity. Women have contributed in improving the nation's economy through entrepreneurship. The study titled model of the empowerment of women through the Motivational Factors, Interpersonal Skill Factors, Entrepreneurial Mindset Factors, using analytical techniques such as factor analysis and the sampling technique is convenience sampling. Samples taken 100 women entrepreneurs who are members of associations of SMEs in the city of Depok. The results showed the factors that affect the motivational factors as much as 7 (seven) factors, of which there are five (5) factors that influence forming two (2) components are named with status in society, and past experiences, as well as the influence of 63.243%, Factors that affect interpersonal skills as much as nine (9) factors, of which there are four (4) factors that influence forming two (2) component named creative in problem solving and team-building skills, as well as the influence of 93.204%. Factors that affect the Entrepreneurial Mindset 8 (eight) factor, where there are four (4) factors that influence forming two (2) component named self-motivation, and risk-taking as well as the influence of 64.406%. Outcomes in this study a model of empowerment of women through the Motivational Factors, Interpersonal Skill Factors, Entrepreneurial Mindset Factors and articles to be published in national journals as well as teaching materials.
Pengaruh literasi keuangan, inklusi keuangan dan financial technology terhadap perilaku keuangan pelaku UMKM di Kecamatan Sekupang Eka Nur Anisyah; Dahlia Pinem; Siti Hidayati
MBR (Management and Business Review) Vol 5 No 2 (2021): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/mbr.v5i2.6083

Abstract

This research is using a descriptive quantitative study that aims to see and analyze the influence of financial literacy, financial inclusion, and financial technology on the financial behavior of SMEs in Sekupang District. This research uses a sample of 54 MSME actors in Sekupang District, Batam City. Smart PLS 3.0 Software are used on the Hypothesis testing and data processing to achieved number that can be analyze. The results obtained from the examiners are there is a significant effect of financial literacy on financial behavior, there is no significant effect of financial inclusion on financial behavior, there is no significant effect of financial technology on financial behavior.
Analisis Pengaruh Kinerja Keuangan terhadap Pertumbuhan Laba pada Bank Umum Syariah di Indonesia Zhanalia Fitrianisa; Siti Hidayati; Sugianto Sugianto
Journal of Islamic Economics and Finance Studies Vol 2, No 1 (2021): JIEFeS, June 2021
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v2i1.2625

Abstract

AbstractIslamic banking, which is an important foundation in the movement of the country's economy, is required to have good financial performance by competing for the maximum profit. This is an implication of the demands of an increasingly advanced global economy. This study aims to analyze financial performance factors using capital, liquidity and operational efficiency variables on the profit growth of Islamic Commercial Banks (BUS) registered with the Financial Services Authority (OJK) for the period 2015 to 2019. This study uses a quantitative approach. The data used in this study is secondary data with a sample collection method using saturated sampling of 14 Islamic Commercial Banks. Data analysis in this study was carried out using panel data regression analysis with the E-Views version 10.0 program with a significance level of 5%. The results of this study indicate that capital (Capital Adequacy Ratio) has a negative effect on profit growth. In addition, liquidity (Financing Debt to Ratio) has a positive effect on profit growth. And the operational efficiency variable (Operational Expenses on Operating Income) has a negative effect on profit growth.AbstrakPerbankan syariah yang merupakan pondasi penting dalam pergerakan perekonomian negara, dituntut untuk memiliki kinerja keuangan yang baik dengan bersaing mendapatkan laba sebesar-besarnya. Hal ini merupakan implikasi dari adanya tuntutan perekonomian global yang semakin maju. Penelitian ini bertujuan untuk menganalisa faktor-faktor kinerja keuangan dengan menggunakan variabel permodalan, likuiditas dan efisiensi operasional terhadap pertumbuhan laba Bank Umum Syariah (BUS) yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2015 sampai 2019. Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan dalam penelitian adalah data sekunder dengan metode pengumpulan sampel menggunakan sampling jenuh terhadap 14 Bank Umum Syariah. Analisis data dalam penelitian ini dilakukan dengan menggunakan analisis regresi data panel dengan program E-Views versi 10.0 dengan taraf signifikansi 5%. Hasil dari penelitian ini menunjukkan bahwa permodalan (Capital Adequacy Ratio) berpengaruh negatif terhadap pertumbuhan laba. Selain itu, likuiditas (Financing Debt to Ratio) berpengaruh positif terhadap pertumbuhan laba. Dan variabel efisiensi operasional (Beban Operasional terhadap Pendapatan Operasional) berpengaruh negatif terhadap pertumbuhan laba.
Pengenalan Manajemen Keuangan Sederhana Pada UMKM Bank Sampah Lestari 25, Kota Serang Ranila Suciati; Zackharia Rialmi; Siti Hidayati; Ranti Nugraheni
Indonesian Journal of Society Engagement Vol. 1 No. 2: Desember 2020
Publisher : Lembaga Kajian Demokrasi dan Pemberdayaan Masyarakat (LKD-PM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33753/ijse.v1i2.21

Abstract

Bank Sampah Lestari 25 is a community group in Serang City that carries out business activities to utilize waste to be managed with a system of refuse, reduce, and recycle. This effort is certainly a form of public concern in helping the government improve environmental cleanliness. In addition, of course, you will get income to improve people's welfare and advance the economic structure. The absence of financial management carried out at Bank Sampah Lestari 25 makes the performance of this waste bank not optimal. Financial management is an action to achieve financial goals in the future. Financial management includes personal financial management, family financial management, and company financial management. Financial management is an important part of overcoming economic problems, whether individuals, families, or companies. The objectives of financial management in general are to achieve certain target funds in the future, protect and increase wealth owned, regulate cash flow (income and expenditure of money), and carry out risk management and manage investment risk properly and manage debt and credit. From the results of the implementation of community service activities in the form of financial management literacy, training on recording financial transactions, and preparing simple financial reports, the benefits were very much felt. From ignorance of financial management and irregularity in managing finances to understanding and being able to carry out more regular financial management. Abstrak Bank Sampah Lestari 25 adalah kelompok masyarakat di Kota Serang yang melakukan kegiatan usaha memanfaatkan sampah untuk dikelola dengan sistem refuse, reduce, dan recycle. Usaha ini tentunya sebagai bentuk kepedulian masyarakat dalam membantu pemerintah meningkatkan kebersihan lingkungan. Selain itu tentunya mendapatan penghasilan guna meningkatkan kesejahteraan masyarakat dan memajukan struktur ekonomi. Belum adanya manajemen keuangan yang dilakukan pada Bank Sampah Lestari 25 menjadikan kinerja bank sampah ini tidak maksimal.  Manajemen keuangan merupakan sebuah tindakan untuk mencapai tujuan-tujuan keuangan di masa yang akan datang. Manajemen keuangan meliputi manajemen keuangan pribadi, manajemen keuangan keluarga, dan manajemen keuangan perusahaan. Manajemen keuangan merupakan bagian penting dalam mengatasi masalah ekonomi, baik individu, keluarga, maupun perusahaan. Tujuan manajemen keuangan secara umum adalah mencapai target dana tertentu di masa yang akan dating, melindungi dan meningkatkan kekayaan yang dimiliki, mengatur arus kas (pemasukan dan pengeluaran uang), dan melakukan manajemen risiko dan mengatur risiko investasi dengan baik serta mengelola utang piutang. Dari hasil pelaksanaan kegiatan pengabdian kepada masyarakat dalam bentuk literasi manajemen keuangan, pelatihan pencatatan transaksi keuangan, dan penyusunan laporan keuangan sederhana memang sangat dirasakan manfaatnya. Dari ketidaktahuan mengenai manajemen keuangan dan ketidakteraturan mengelola keuangan menjadi mengerti dan mampu melakukan pengelolaan keuangan yang lebih teratur. Kata Kunci: manajemen keuangan; bank sampah; UMKM
Pengenalan Penguatan Kelembagaan Pada UMKM Bank Sampah Lestari 25 Zackharia Rialmi; Ranila Suciati; Siti Hidayati; Ranti Nugraheni
Indonesian Journal of Society Engagement Vol. 2 No. 1: April 2021
Publisher : Lembaga Kajian Demokrasi dan Pemberdayaan Masyarakat (LKD-PM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33753/ijse.v2i1.26

Abstract

Institutional strengthening in the form of establishing an organizational structure model, drafting job descriptions and handling conflicts are very important issues today. The need for institutional strengthening is needed not only in large organizations but also very much needed by small organizations such as MSMEs (Micro, Small, and Medium Enterprises). The Garbage Bank is a type of investment from the sale of community waste that is not cashed directly but is recorded as personal savings. The Sustainable Waste Bank, which was established by a community of environmental care residents at Perum Taman Banten Lestari, has experienced ups and downs in its organizational journey, institutional strengthening is expected to be one of the supporting tools so that this organization can survive and grow in the future. From the results of the implementation of this institutional strengthening activity, results were obtained in the form of a more introduction to the importance of making a clear organizational structure and preparation of job descriptions so that there is no overlapping in the implementation of duties and authorities within the organization. Abstrak Penguatan kelembagaan berupa penetapan model struktur organisasi, penyusunan job description dan handling conflict menjadi isu yang sangat penting dewasa ini. Kebutuhan akan penguatan kelembagaan diperlukan tidak hanya di organisasi besar tetapi juga sangat diperlukan oleh organisasi kecil seperti UMKM (Usaha Mikro, Kecil, dan Menengah). Bank Sampah merupakan jenis investasi dari penjualan sampah masyarakat yang tidak secara langsung diuangkan akan tetapi dicatat sebagai tabungan pribadi. Bank Sampah Lestari yang didirikan komunitas warga peduli lingkungan hidup di Perum Taman Banten Lestari ini mengalami pasang surut di dalam perjalanan organisasinya, penguatan kelembagaan diharapkan menjadi salah satu tools yang mendukung agar organisasi ini bisa survive dan semakin berkembang ke depannya. Dari hasil pelaksanaan kegiatan penguatan kelembagaan ini didapatkan hasil berupa pengenalan lebih akan pentingnya pembuatan struktur organisasi yang jelas, dan penyusunan job description sehingga tidak terjadi tumpang tindih pelaksanaan tugas dan wewenang di dalam organisasi. Kata Kunci: penguatan kelembagaan; struktur organisasi; job description; umkm bank sampah