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All Journal Jurnal Manajemen dan Bisnis Sriwijaya JURNAL ILMIAH MANAJEMEN BISNIS DAN TERAPAN SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS Jurnal Akuntansi dan Bisnis Jurnal Abdimas Mandiri Sricommerce: Journal of Sriwijaya Community Services Yumary: Jurnal Pengabdian kepada Masyarakat
REZA GHASARMAN, REZA
FAKULTAS EKONOMI JURUSAN MANAJEMEN UNIVERSITAS SRIWIJAYA
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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The Influence of Financial Inclusion on Credit Risks in Commercial Banks in Indonesia Reza Ghasarma; Fida Muthia; M.A. Rasyid Umrie; Sulastri Sulastri; Bobby Arianto
Jurnal Akuntansi dan Bisnis Vol 19, No 2 (2019)
Publisher : Accounting Study Program, Faculty Economics and Business, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (253.76 KB) | DOI: 10.20961/jab.v19i2.433

Abstract

This study aims to analyze the effect of financial inclusion on credit risk in commercial banks in Indonesia. The data used are secondary data obtained from the Financial Access Survey (FAS) of the IMF and Bank Focus from 2011-2016. A total of 34 banks were sampled in this study. From the results of panel data processing, it was found that financial inclusion has a positive effect on bank credit risk, where an increase in the financial inclusion index annually causes an increase in bank credit risk. The results of this study provide insights to the government and banks to anticipate credit risk which can affect banking stability due to financial inclusion. Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan terhadap credit risks (risiko kredit) pada bank komersil di Indonesia. Data yang digunakan merupakan data sekunder yang didapatkan dari Financial Access Survey (FAS) IMF dan Bank Focus dari tahun 2011-2016. Sejumlah 34 bank menjadi sampel pada penelitian ini. Dari hasil pengolahan data panel, ditemukan bahwa inklusi keuangan memiliki pengaruh yang positif terhadap risiko kredit bank, dimana kenaikan indeks inklusi keuangan tiap tahunnya menyebabkan kenaikan pada risiko kredit bank. Hasil dari penelitian ini memberikan wawasan kepada pemerintah dan perbankan untuk melakukan antisipasi terhadap risiko kredit yang dapat berpengaruh kepada stabilitas perbankan akibat adanya inklusi keuangan.
PENGARUH LIKUIDITAS, FINANCIAL LEVERAGE, AKTIVITAS TERHADAP RETURN SAHAM DENGAN PROFITABILITAS SEBAGAI VARIABEL MEDIASI Teddy Kurniawan; Yuliani .; Reza Ghasarma
JURNAL MANAJEMEN DAN BISNIS SRIWIJAYA Vol 14, No 1 (2016): Jurnal Manajemen dan Bisnis Sriwijaya
Publisher : Program Studi Magister Manajemen FE Unsri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (302.25 KB) | DOI: 10.29259/jmbs.v14i1.8850

Abstract

This research aims to analyze direct and indirect effect about liquidity, financial leverage and activities on stock return and with the mediation of ROA as a proxy of profitability ratio. The population were all company in Sub Sector of Automotive and Components are 12 companies. Purposive sampling used as the sampling technique and acquired 11 firms. The period in 2000-2013, unit of analysis is panel data with 154 observations.  The data analysis method used is Path Analysis. The result shows that direct effect Current Ratio (CR) and Debt to Equity Ratio (DER) not have signed on Stock Return, while Total Asset Turnover (TAT) has a significant effect on Stock Return. The indirect effect the rule of ROA as full mediation in CR to stock return and as partial mediation in TAT to stock return. But not found the rule of ROA as mediation effect DER to stock return.
PERAN KELUARGA DALAM MEMBENTUK ASOSIASI MEREK DAN PERSEPSI KUALITAS SERTA PENGARUHNYA TERHADAP LOYALITAS MEREK ISLAHUDDIN DAUD; REZA GHASARMAN
JURNAL MANAJEMEN DAN BISNIS SRIWIJAYA Vol 12, No 2 (2014): Jurnal Manajemen dan Bisnis Sriwijaya
Publisher : Program Studi Magister Manajemen FE Unsri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jmbs.v12i2.3213

Abstract

This study attempts to examine how the role of the family in shaping the brand association and perceived quality and its effect on brand loyalty. In conducting the study, researchers used a descriptive conclusive research in a single cross-sectional shape. Conclusive research is used to test specific hypotheses and test the connection. The samples used were public users everyday products that are as many as 100 people in the city of Palembang respondents using convenience sampling method. The analysis used in this study is to see the influence of regression analysis between variables. Results of the study show the family plays a role in shaping the brand association and perceived quality, and brand associations and perceived quality effect on brand loyalty. While the dominant variable influencing brand loyalty is the association.
Pengaruh Keputusan Investasi, Keputusan Pendanaan dan Kebijakan Dividen Terhadap Nilai Perusahaan Ghaesani Nurvianda; Yuliani .; Reza Ghasarma
JURNAL MANAJEMEN DAN BISNIS SRIWIJAYA Vol 16, No 3 (2018): Jurnal Manajemen dan Bisnis Sriwijaya
Publisher : Program Studi Magister Manajemen FE Unsri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jmbs.v16i3.7380

Abstract

ABSTRAKTujuan penelitian– Penelitian ini bertujuan untuk memberikan bukti empiris tentang pengaruh keputusan keuangan yang meliputi keputusan investasi, pendanaan dan dividen terhadap nilai perusahaan.Desain/Metodologi/Pendekatan–. Teknik sampel adalah purposive sampling pada objek penelitian perusahaan sektor industri dasar dan kimia. Periode penelitian adalah 2012-2014. Unit analisis sebanyak 70 pengamatan dengan teknik analisis data regresi linear berganda.Temuan–.Keputusan investasi yang diproksi Fixed Assets to Total Assets (FATA) dan keputusan pendanaan diproksi oleh Debt to Equity Ratio (DER) tidak signifikan terhadap nilai perusahaan yang diproksi Price to Book Value (PBV) sedangkan keputusan dividen yang diproksi dengan Dividend Payout Ratio (DPR) terbukti signifikan dan positif terhadap PBVKeterbatasan penelitian– Terdapat dua proksi dari keputusan investasi dan pendanaan ditemukan belum memberikan bukti empiris terhadap perubahaan nilai perusahaan serta nilai R2 yang kecil menjadi agenda untuk penelitian mendatang.Originality/value– Penelitian ini membahas fungsi manajemen keuangan yang tercermin pada keputusan keuangan dan pembahasan serta pengujian variabel secara terpisahKeywords: Keputusan Investasi, Keputusan Pendanaan, Keputusan Dividen, Nilai Perusahaan.
DETERMINAN STRUKTUR MODAL BADAN USAHA MILIK NEGARA DI INDONESIA mizan ahmad zarkasih; Mohammad adam; reza ghasarma
JEMBATAN Vol 14, No 2 (2017)
Publisher : Jurusan Manajemen Fakultas Ekonomi Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (618.963 KB) | DOI: 10.29259/jmbt.v14i2.5295

Abstract

The objectives of this research are to examine the effect of Firm Size, Growth Opportunity, Business Risk and Investment Opportunity Set influence simultaneously and partially on Capital Structure.Research conducted at the State-Owned Enterprises that listed on the Bursa Efek Indonesia period 2011-2015. The research population was 20 companies, with the sample of 17 companies with sampling using purposive sampling technique. The analytical method used is the factor analysis method and multiple linear regression analysis, which perviously tested with the classical assumption. The results showed that the Firms Size, Growth Opportunity, Business Risk, and the Investment Opportunity Set influence simultaneous on the Capital Structure.The research also revealed that, Firm Size influence positive significant, Growth Opportunity and Business Risk has no significant effect on Capital Structure, and Investment Opportunity Set influence negative significant on the Capital Structure. On the other hand, R-Square value amnounted at 57,6%, it’s mean that 57,6% movement of Capital Structure can be predicted from the movement of the four independent variables. Keyword : Capital Structure, Business Risk, Investment Opportunity Set
BANKING STOCK ABNORMAL RETURN ANALYSIS OF PRE AND POST MERGER AND ACQUISITION IN INDONESIA Rivanny Astricia; Isni Andriana; Reza Ghasarma
JEMBATAN Vol 17, No 1 (2020)
Publisher : Jurusan Manajemen Fakultas Ekonomi Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (323.452 KB) | DOI: 10.29259/jmbt.v17i1.10857

Abstract

The number of mergers and acquisitions (M&A) in Indonesia is growing because of government policy and also their usefulness as a corporate tool to pursue strategic growth and profit. This study aims to analyze the abnormal returns of banking industries pre and post-merger and acquisition in Indonesia. Using a sample of 7 M&A deals in Indonesia from 2018 to 2019, the event study methodology used in this study is Paired Sample T-Test to tell the difference between pre and post abnormal returns. The data that use for calculating is -30 until +30 of Merger and Acquisition. The result shows that from 7 mergers and acquisition there is only one bank that has a significant difference while the rest does not have a significant difference pre and post the event. This research hopefully can be used for further research, useful for investment practitioners.
Pendampingan Pengelolaan Keuangan UMKM dan Optimalisasi Usaha Masyarakat dalam Menghadapi Era Normal Baru di Kecamatan Ilir Barat II Kota Palembang Reza Ghasarma; Dian Eka; Yos Karimudin; Isnurhadi Isnurhadi; Pai Lian Bang
Sricommerce: Journal of Sriwijaya Community Services Vol 3, No 1 (2022): Sricommerce: Journal of Sriwijaya Community Services
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jscs.v3i1.49

Abstract

Usaha Mikro Kecil dan Menengah (UMKM) merupakan salah satu faktor ekonomi yang berpengaruh terhadap pertumbuhan ekonomi nasional. Pada masa era tatanan baru, maka terjadi perubahan drastis pada tatanan yang ada dan telah terstruktur dengan baik. Hal ini memberi dampak pada terhambatnya aktivitas usaha termasuk UMKM. Tantangan bagi UMKM untuk tetap dapat bertahan dan terus berkembang, salah satunya dengan memahami dan menerapkan sistem manajemen keuangan. Pengelolaan keuangan melalui pembuatan laporan keuangan akan memberikan dampak positif bagi UMKM dalam mengoptimalisasikan usahanya di tengah pandemi. Pengabdian diselenggarakan di Kecamatan Ilir Barat II Kota Palembang. Kegiatan yang diselenggarakan berupa pendampingan penyusunan laporan keuangan bagi UMKM di Kecamatan Ilir Barat II Palembang. Kegiatan pengabdian berupa pembekalan teori dan penyusunan laporan keuangan sederhana. Pelaksanaan pengabdian ini memberikan manfaat yaitu: (1) memberikan informasi kepada pelaku UMKM akan manfaat menyusun anggaran usaha; (2) memberikan pemahaman perhitungan anggaran usaha serta laporan keuangan sederhana; (3) pelaku UMKM dapat memisahkan antara pengeluaran usaha dengan pengeluaran rumah tangga. Dampak (impact) dari kegiatan ini adalah menambah pengetahuan dan wawasan pelaku UMKM di Kecamatan Ilir Barat II Palembang mengenai perhitungan pelaporan keuangan yang baik dan tepat serta manfaatnya. 
Pendampingan Pengelolaan Investasi pada Pelaku UMKM di Kecamatan Ilir Barat II Palembang Isnurhadi Isnurhadi; Reza Ghasarma; Fida Muthia; Fandi Andriansyah; Muhammad Ilham Nurdin; Zahwa Namira Aldira; Mahiro Muzdalifah; Rahmalia Rahmalia
Sricommerce: Journal of Sriwijaya Community Services Vol 3, No 1 (2022): Sricommerce: Journal of Sriwijaya Community Services
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jscs.v3i1.53

Abstract

Tulisan ini mengambil objek pelaku Usaha Mikro, Kecil, Menengah (UMKM) khususnya usaha mikro dan kecil di Kecamatan Ilir Barat II. Jenis usaha para pelaku UMKM yang menjadi objek mencakup pedagang kuliner, konveksi, souvenir, dan warung. Pelaku usaha tersebut pada umumnya kekurangan pengetahuan di bidang keuangan khususnya bidang investasi. Untuk itu diperlukan peningkatan pengetahuan mereka di bidang investasi meliputi konsep penganggaran modal (capital budgeting) sederhana (metode Payback Period dan Profitability Index) dan pemahaman mengenai investasi bodong (seperti investasi skema Fonzi) agar mereka tidak salah jalan di dalam menginvestasikan dana yang mereka miliki. Untuk itu dilakukan pelatihan bagaimana melakukan investasi yang baik terkait dengan dua topik di atas di dalam kelas dengan metode presentasi, tanya jawab dan diskusi sehingga memudahkan di dalam penyerapan materi yang diberikan. Diskusi berjalan lancar dan diikuti dengan antusias oleh para peserta. Hasilnya peserta mengerti dan memahami topik dengan baik dan di masa datang mereka akan menerapkan apa yang mereka peroleh selama pelatihan. Di samping itu juga mereka menginginkan agar mereka diberi kesempatan untuk berkonsultasi mengenai kendala dan hambatan yang mungkin mereka hadapi di dalam menjalankan usahanya. Secara umum hasil pengabdian kepada masyarakat pelaku UMKM Kecamatan Ilir Barat II Palembang ini memberikan hasil yang baik bagi peserta dan juga memberikan manfaat bagi narasumber di dalam menerapkan ilmu pengetahuan bidang bisnis kepada masyarakat secara umum.
Factors Affecting Retirement Planning Ability Fida Muthia; Reza Ghasarma; Sri Andaiyani
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 5, No.1, March 2021
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v1i1.41-50

Abstract

This study tries to prove whether there is an influence between the level of financial literacy, gender and age of a person on his ability to do retirement planning. This study uses a survey method by distributing questionnaires online. The sample of this research is workers who have not retired or workers who are still working even though they have retired. The sampling technique was purposive sampling with judgment, where the criteria used were workers with an age range of 23-65 years. Data analysis used in this study is ordinal regression. The results of this study found that gender and age had an influence on the ability to plan for retirement, but the level of financial literacy was not found to have an influence on the ability to do retirement planning.
Peningkatan Literasi Teknologi Informasi Bagi Perangkat Kelurahan di Lingkungan Kecamatan Ilir Barat Dua Kota Palembang Parama Santati; Yulia Saftiana; Hera Febria Mavillinda; Reza Ghasarma
Yumary: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 4 (2022): Juni
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/yumary.v2i4.1037

Abstract

Purpose: to improve information technology literacy of employees in Ilir Barat Dua Subdistrict, Palembang City, especially regarding the use of software applications supporting office administration especially word processing, data processing, and presentation applications in order to improve employee performance. Method: The training was carried out face-to-face, in the form of demonstrations on how to use the menus in each application, questions/answers, and practice using application programs. The target of this activity was the village apparatus in the Ilir Barat Dua District, Palembang City, as many as 36 people. The training was carried out in the Computer Laboratory managed by the Quantitative and Qualitative Laboratory of the Faculty of Economics, Sriwijaya University. Results: After participating in this training, participants realized that this training contributed to improving their skills in using computer applications. Limitations: this activity only covers the use of office administration applications. Other materials should also be given, such as how to find data on the Internet Contribution: after participating in this training, the skills of employees have increased in using of computer applications to support office administration, so that they can contribute to improving employee performance.
Co-Authors Andriana, Isni Bobby Arianto Dian Eka Fandi Andriansyah Fida Muthia Ghaesani Nurvianda H.M. Rasyid Umrie, H.M. Rasyid Hera Febria Mavillinda Islahuddin Daud, Islahuddin Isnurhadi Isnurhadi Isnurhadi Isnurhadi Mahiro Muzdalifah mizan ahmad zarkasih Mohammad adam Muhammad Ilham Nurdin Pai Lian Bang Parama Santati Rahmalia Rahmalia Rivanny Astricia Sri Andaiyani Sulastri Taufik . Teddy Kurniawan Yos Karimudin Yulia Saftiana Yuliani . Yuliani . Zahwa Namira Aldira