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All Journal Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan
Vivi Afifah
Universitas Siber Indonesia

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PENGARUH RETURN ON ASSETS (ROA), RETURN ON EQUITY (ROE), NET PROFIT MARGIN (NPM), DAN DEBT TO EQUITY RATIO (DER) TERHADAP HARGA SAHAM PERUSAHAAN SEKTOR PROPERTY DAN REAL ESTATE YANG TERDAFTAR DI BEI TAHUN 2017-2021 Riyan Marten Adi Nugraha; Ayi Wahid; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 1 No 1 (2024): Jurnal Ilmu Manajemen, Bisnis dan Keuangan (Innobiz) Volume 1 Number 1 Tahun 2024
Publisher : Universitas Siber Indonesia

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This study aims to determine the effect of Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM), and Debt to Equity Ratio (DER) on stock prices both partially and simultaneously. The research object used in this study is property and real estate sector companies listed on the IDX in 2017-2021. The sampling method used is purposive sampling method by setting certain criteria, so that from 84 population companies, 10 companies are obtained that meet the criteria. The number of samples contained in this study were 50 samples consisting of 10 companies with a 5-year observation period, namely from 2017-2021. The analysis technique used in this study is multiple linear regression analysis using the help of the SPSS 26 application. The results obtained show that Return On Assets (ROA) and Net Profit Margin (NPM) partially have a significant effect on stock prices, Return On Equity (ROE) and Debt to Equity Ratio (DER) partially have no significant effect on stock prices, and Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM), and Debt to Equity Ratio (DER) simultaneously have a significant and positive effect on stock prices.
PENGARUH KINERJA ELECTRONIC MONEY (E-MONEY) DALAM PERKEMBANGAN EKONOMI DIGITAL DI INDONESIA TAHUN 2020 – 2022 Roziana Ghani; Ayi Wahid; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 1 No 1 (2024): Jurnal Ilmu Manajemen, Bisnis dan Keuangan (Innobiz) Volume 1 Number 1 Tahun 2024
Publisher : Universitas Siber Indonesia

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The rapid development of information technology and communication devices encourages the process of digitalization in various aspects of people's lives, including in the economic and financial transactions sector. The digital world economy is now producing many new electronic-based products, one of which is electronic money (e-money). The author is interested in researching whether electronic money (e-money) can affect the development of the Digital Economy in Indonesia in 2020-2022. This study aims to determine the effect of the volume of e-money shopping transactions, the value of e-money shopping transactions, e-money infrastructure, GDP per capita, e-retail penetration, internet penetration on the development of the digital economy in Indonesia. This study uses a quantitative descriptive data analysis method with two lines of analysis, namely descriptive analysis, classical assumption test, and multiple linear regression analysis. The results of the research show that the volume of e-money shopping transactions and the value of e-money shopping transactions partially have a significant effect on the Development of the Digital Economy in Indonesia in 2020-2022, while e-money infrastructure, GDP per capita, e-retail penetration, and partial internet penetration has no significant effect on the Development of the Digital Economy in Indonesia in 2020-2022. In conclusion, E-money Shopping Transaction Volume, E-money Shopping Transaction Value, GDP per Capita, E-Retail Penetration, Internet Penetration simultaneously have a significant and positive value effect on the Development of the Digital Economy in Indonesia in 2020-2022.
PENGARUH HARGA DAN E-SERVICE QUALITY TERHADAP KEPUASAN PENGGUNA OJEK ONLINE GOJEK DI WILAYAH DKI JAKARTA Putri Haniya Arifa A; Ayi Wahid; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 1 No 1 (2024): Jurnal Ilmu Manajemen, Bisnis dan Keuangan (Innobiz) Volume 1 Number 1 Tahun 2024
Publisher : Universitas Siber Indonesia

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In the current era of globalization, there are so many means and facilities that can be used by companies in marketing or attracting consumer interest, one of which is by utilizing online applications. This study aims to determine the effect of price and e-service quality on GOJEK online motorcycle taxi user satisfaction in the DKI Jakarta area. The method used in this research is quantitative with a survey method. The sampling technique used purposive sampling with a total of 30 respondents. Data collection techniques use online questionnaires that have been tested for validity and reliability.
STRATEGI DIGITAL ENGAGEMENT BERBASIS FINTECH DALAM MENJANGKAU PASAR DIASPORA Anita Nur Faigah; Vivi Afifah; Siti Nuryati
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 2 No 2 (2025): Bahasa Indonesia
Publisher : Universitas Siber Indonesia

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Pesatnya perkembangan industri fintech menghadirkan tantangan besar terkait keamanan dan kesiapan teknologi informasi (TI). Perkembangan teknologi digital telah mendorong transformasi signifikan dalam aktivitas ekonomi global, termasuk di Indonesia. UMKM menghadapi tantangan besar dalam menjangkau pasar internasional akibat keterbatasan akses teknologi, literasi digital yang rendah, dan strategi pemasaran yang belum optimal. Di sisi lain, diaspora Indonesia yang tersebar di berbagai negara menyimpan potensi besar sebagai pasar dan agen promosi produk lokal. Strategi digital engagement berbasis fintech menjadi pendekatan yang relevan untuk membangun konektivitas aktif dan berkelanjutan antara UMKM dan diaspora. Penelitian ini bertujuan untuk menganalisis penerapan strategi tersebut oleh PT Master Bagasi Indonesia, sebuah platform e-commerce berbasis diaspora. Dengan metode deskriptif kualitatif dan pendekatan studi kasus, data dikumpulkan melalui observasi langsung selama magang, wawancara informal, dan studi pustaka. Hasil kajian menunjukkan bahwa fintech mendukung efisiensi transaksi lintas negara, memperkuat personalisasi pemasaran digital, serta menjadi sumber data strategis dalam pengambilan keputusan manajerial. Master Bagasi mengintegrasikan fintech dengan media sosial untuk membangun relasi emosional dengan diaspora melalui konten budaya, layanan responsif, dan komunitas digital. Kendala seperti integrasi data dan infrastruktur teknologi masih menjadi tantangan. Namun, strategi ini menunjukkan potensi besar untuk meningkatkan daya saing UMKM Indonesia di pasar global melalui hubungan ekonomi yang adaptif dan berbasis teknologi. Penelitian ini merekomendasikan penguatan sistem digital dan kolaborasi berkelanjutan untuk mengoptimalkan konektivitas dengan diaspora.
Pengaruh Kualitas Konten dan Visual Instagram terhadap Enrollment Intention Calon Mahasiswa Yohana Romaulita Nababan; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 3 No 2 (2026): Innobiz Juli 2026
Publisher : Universitas Siber Indonesia

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Abstract: Instagram has become one of the primary digital marketing platforms used by higher education institutions to attract prospective students. This study aims to examine the effect of Instagram content quality and visual appearance on prospective students' enrollment intention at Cyber University. A quantitative associative approach was employed using purposive sampling involving 87 respondents who had previously accessed the Instagram account @cyberpmb. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination. The findings indicate that content quality and visual appearance each have a positive and significant effect on enrollment intention. Simultaneously, both variables significantly influence enrollment intention, with an R² value of 0.483, indicating that 48.3% of the variation in enrollment intention is explained by the two independent variables. These findings suggest that improving both content quality and visual presentation can strengthen digital marketing strategies for higher education institutions in attracting prospective students. Keywords: Content Quality, Visual Appearance, Instagram, Enrollment Intention
Implementasi Administrasi Digital untuk Mendukung Efisiensi Operasional pada Unit Reinsurance and Development Operational Business PT BRI Asuransi Indonesia Rafif Putra Divantio; Vivi Afifah
Innobiz: Jurnal Ilmu Manajemen, Bisnis dan Keuangan Vol 3 No 2 (2026): Innobiz Juli 2026
Publisher : Universitas Siber Indonesia

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The digital transformation of the insurance industry requires companies to implement efficient and integrated administrative systems to support operational activities. PT BRI Asuransi Indonesia has adopted digital administration in the Reinsurance and Development Operational Business (DOB) unit to improve the management of reinsurance claim documents and operational data. This study aims to analyze the implementation of digital administration and its contribution to operational efficiency. The findings indicate that the integration of Microsoft Outlook, Microsoft Excel, CareBRINS, and supporting applications has improved document processing efficiency, data accuracy, and interdepartmental coordination. Nevertheless, several challenges remain, including inconsistent document formats, incomplete data, and manual validation processes. Digital administrative practices play an important role in supporting operational performance while highlighting the need for greater system integration and automation to enhance organizational productivity. Keywords: Digital Administration, Operational Efficiency, Reinsurance, Insurance, Business Process
Co-Authors Anita Nur Faigah Ayi Wahid Putri Haniya Arifa A Rafif Putra Divantio Riyan Marten Adi Nugraha Roziana Ghani Siti Nuryati Yohana Romaulita Nababan