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All Journal Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Fokus Bisnis Jurnal Mahasiswa Fakultas Hukum Al Tijarah AFEBI Islamic Finance and Economic Review Jurnal Ilmiah Akuntansi dan Keuangan Diponegoro Journal of Islamic Economics and Business Mestaka: Jurnal Pengabdian Kepada Masyarakat Warta LPM IIJSE
Shoimatul Fitriana
Departemen Manajemen, Fakultas Ekonomika Dan Bisnis, Universitas Diponegoro
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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SKIM PEMBIAYAAN UMKM DAN PENINGKATAN KINERJA UMKM FURNITURE JEPARA Indriani, Astiwi; Fitria, Shoimatul
Fokus Bisnis : Media Pengkajian Manajemen dan Akuntansi Vol 16 No 01 (2017): Fokus Bisnis
Publisher : P4M STIE Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (389.51 KB) | DOI: 10.32639/fokusbisnis.v16i01.80

Abstract

The government has been doing a lot of efforts to help SMEs capitalisation, various schemes of credit and funding for SMEs were launched as KUR, PMT, Gapoktan, etc. In the middle of 2015, KUR could be just absorbed although the conditions have softened. This is because SMEs are unique, that is feasible but not bankable. In addition, the funding only limited on distributing capital, in fact the SMEs problems not only in the capital, but concerning the expertise in marketing, financing, and managing the company. It need deep research about how to formulate funding schemes that is considered attractive by the SMEs. This research used qualitative method with the interpretive paradigm fenomology approach, case study in PT Jepara Express International (furniture supplier). This research was conducted through interview, observation and documentation by using data analysis technique, Milles and Hubberman method. Credibility of data was tested by using triangulation techniques, data sources, and time. From research methods, SMEs furniture in Jepara intrepreting that funding considered attractive if using partnership type with cluster and profit-sharing systems are becoming solution for SMEs furniture’s funding distribution program. In addition, certain entities formed to become alternative distribution funding schemes. Through this entities, SMEs furniture in Jepara could access and also got assisstance in marketing, financing and managing the company. Finnally, SMEs furniture could increase its performance through assisstance program. In the future needs further research about appropriate entities to represent the SMEs needed in financing and assisstance
PENGUATAN PENYALURAN KPR DI INDONESIA DALAM MEMENUHI KEBUTUHAN BACKLOG (Studi pada Bank Umum Konvensional Periode 2013-2015) Fitria, Shoimatul; Astutik, Erna Dwi
Fokus Bisnis : Media Pengkajian Manajemen dan Akuntansi Vol 16 No 2 (2017): Fokus Bisnis
Publisher : P4M STIE Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (167.765 KB) | DOI: 10.32639/fokusbisnis.v16i2.153

Abstract

The condition of economic fundamentals declining with the marked economic growththat only reached 4.51% and the value of rupiah that penetrated Rp13.000,00 make theprimary housing finance market (PPPP) in Indonesia become sluggish. This makes HousingLoans (KPR) declining. In addition, the policy of maintaining the BI rate at 7% and the 30%loan to value (LTV) policy also makes PPPP in Indonesia decreasingThe samples used were selected by purposive sampling method with some criterias. Thesamples in this study are 36 Conventional Commercial Banks in Indonesia that providehousing loan in period 2013-2015. The data used in this study were obtained from theBanking Annual Report 2013-2015. This study used Multiple Linear Regression Analysisthat includes classic assumption test, coefficient of determination test (R²), F statistic test,and t statistic test.The result of this research showed that DPK and NPL significantly positive influence toTotal of Housing Loans, housing loan interest rates has negative significant effect to Totalof Housing Loans. Whereas the determination of the test based on the research model thatcan explain the dependent variable well enough that it can be seen from the R Square valueof 0,47. This means that the ability of model prediction was 47% while the remaining 53%influenced by other variables outside the research.Keywords: third party fund, housing loan interest rates, non performing loan, housing loan
PENGARUH AKSES KEUANGAN TERHADAP PERTUMBUHAN UMKM DENGAN MODERASI LITERASI KEUANGAN DI KOTA SEMARANG Aqida, Merdika Setya; Fitria, Shoimatul
Diponegoro Journal of Management Volume 8, Nomor 2, Tahun 2019
Publisher : Faculty of Economics and Business Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (689.948 KB)

Abstract

Study about SME’s Growth in Semarang had general purpose to analyze moderating effect of Financial Literacy through the relationship between Financial Access to Finance to SME’s Growth. Financial Literacy to Access to Finance. Others also assesed Financial Literacy and Access to Finance to SME’s Performance in Semarang.This study adopted quantitative research design and used SEM (Structural Equation Model) analysis method by SmartPLS 3.0 to run the data. Population in this research was all UMKM actor in Semarang that put 100 sampel contributing in this research by purposive sampling technique.The finding of the research found Financial Literacy and Access to Finance affect performance, Financial Literacy affects Access to Finance and financial Literacy cannot be mediator for the relationship between Access to Finance to SME’s performance.
PENGARUH CAR, NPF, FDR, dan BOPO TERHADAP TINGKAT PROFITABILITAS DENGAN VARIABEL KONTROL SIZE Studi Kasus pada PT. Bank Muamalat Indonesia Periode 2010 – 2017 Hermawan, Dwi; Fitria, Shoimatul
Diponegoro Journal of Management Volume 8, Nomor 1, Tahun 2019
Publisher : Faculty of Economics and Business Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (283.444 KB)

Abstract

This study aims to determine the effect of financial ratios on the profitability of PT Bank Muamalat Indonesia. The dependent variable in this study is ROA, while the independent variables are CAR, NPF, FDR, and BOPO; and SIZE as a control variable. The population of this study is PT. Bank Muamalat Indonesia, Tbk. The samples taken are quarterly financial statements of PT. Bank Muamalat Indonesia, Tbk for 7 periods, namely the period 2010 - 2017. Data collected was analyzed by descriptive analysis and multiple linear regression analysis using SPSS 25 computer program. Based on the results of the research conducted, it can be concluded that: CAR has no significant positive effect on the profitability of PT Bank Muamalat Indonesia. NPF and BOPO have a negative and significant effect on the profitability of PT Bank Muamalat Indonesia. While FDR has a positive and not significant effect on the profitability of PT Bank Muamalat Indonesia.
PENILAIAN TINGKAT KESEHATAN KOPERASI JASA KEUANGAN SYARIAH WANITA Indriani, Astiwi; Fitria, Shoimatul
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 | Full PDF (1008.361 KB) | DOI: 10.32639/jiak.v9i1.341

Abstract

This study is a study of the application of the assessment of banking health level then adopted to measure the health level of Koperasi Jasa Keuangan Syariah (KJKS) for women in Central Java. The population in this study is all financial service cooperatives in Central Java in 2012-2014. The sampling technique used was purposive sampling with a sample of 5 KJKS for women. Data obtained through secondary data in the form of RAT reports and annual reports. The analysis technique used is descriptive analysis. The results of the analysis showed that the KJKS for Women in Central Java had a composite rating of 3 (PK-3), which means that each KJKS for Women in Central Java was healthy enough and able to deal with the negative effects of changes in business conditions and other external factors.
ANALISIS PENGARUH KINERJA UMKM, KEPERCAYAAN DAN PERSEPSI RISIKO TERHADAP NIAT INVESTASI PADA UMKM MELALUI PLATFORM EQUITY CROWDFUNDING DI INDONESIA Aprihasyyati, Dalilatiyani Ajrinatia; Fitria, Shoimatul
Diponegoro Journal of Management Volume 9, Nomor 2, Tahun 2020
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Investment in MSME through the Equity Crowdfunding Platform was introduced and implemented in Indonesia at the end of 2018. The number of investors and investment value on the Equity Crowdfunding platform in Indonesia until 2019 experienced a drastic increase where the percentage increase was more than 100%. However, research related to Equity Crowdfunding in Indonesia has not been done much. This study has a general objective to analyze the effect of MSME performance, trust and risk perception on investment intentions at MSME through the Equity Crowdfunding Platform in Indonesia.The population used in this study are investors of the Equity Crowdfunding Platform in Indonesia. The sample used was 144 respondents. The sample collection method used was purposive sampling. The data collection methods were used questionnaires. This research uses Structural Equation Modeling (SEM) analysis with AMOS 24.0 analysis tools.The results of this study indicate that the performance of MSMEs has a positive and significant effect on trust and investment intentions. Then, trust has a positive and significant effect on investment intentions. While trust has a negative and significant effect on risk perceived. In addition, risk perceived also has a negative and significant effect on investment intentions. Trust variables are found to have a dominant influence on investment intentions so it is important for company managers to be able to maintain and even increase investor’s trust by building a systematic evaluation mechanism.
ANALISIS PENGARUH KECENDERUNGAN DALAM MENGAMBIL RISIKO DAN PENDIDIKAN KEWIRAUSAHAAN TERHADAP NIAT BERWIRAUSAHA DENGAN EFIKASI DIRI SEBAGAI VARIABEL MEDIASI (Studi pada Mahasiswa Wirausaha Universitas Diponegoro) Hermawan, Khrisna Akbar; Fitria, Shoimatul
Diponegoro Journal of Management Volume 9, Nomor 4, Tahun 2020
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

The entrepreneurship rate in Indonesia has actually exceeded international standards, which is 3.1% but Indonesia is still quite behind compared to other countries such as Singapore, Malaysia, Brunei and Thailand. At Diponegoro University itself, the entrepreneurship rate of students is quite high, but in the last three years experienced volatility in the number of entrepreneurial students. The majority of Diponegoro University graduates still choose to find employment rather than providing employment. Even though Indonesia will soon experience a demographic bonus that will be dominated by millennials, where in several other studies involving millennials, it is stated that the majority of millennials want to become entrepreneurs. For this reason, this study discusses how the relationship between entrepreneurial intentions with entrepreneurship education and the propensity to take risks and how the effect of self-efficacy in mediating the relationship between entrepreneurial intentions and entrepreneurship education among students at Diponegoro University. The population in this study were all entrepreneurial students at Diponegoro University who took samples with a purposive sampling technique to obtain 120 respondents who participated in this study. The questionnaire was tested first using the instrument in the form of feasibility studies to test the validity and reliability testing. The analytical method of this research uses Structural Equation Modeling (SEM) analysis with AMOS 24.0 analysis tools. The processing results of the SEM analysis in this study showed that the propensity to take risk of a positive and significant effect on entrepreneurial intentions. Then, entrepreneurship education also has a positive and significant effect on entrepreneurial intentions. Furthermore, entrepreneurship education through self-efficacy is also able to positively and significantly influence entrepreneurial intentions. Self-efficacy variable was found to have a dominant influence on entrepreneurial intentions so important for entrepreneurial students to have the confidence and the ability or willingness to continue to learn things related to entrepreneurship.
SKIM PEMBIAYAAN UMKM DAN PENINGKATAN KINERJA UMKM FURNITURE JEPARA Astiwi Indriani; Shoimatul Fitria
Fokus Bisnis : Media Pengkajian Manajemen dan Akuntansi Vol 16 No 01 (2017): Fokus Bisnis
Publisher : P4M STIE Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/fokusbisnis.v16i01.80

Abstract

The government has been doing a lot of efforts to help SMEs capitalisation, various schemes of credit and funding for SMEs were launched as KUR, PMT, Gapoktan, etc. In the middle of 2015, KUR could be just absorbed although the conditions have softened. This is because SMEs are unique, that is feasible but not bankable. In addition, the funding only limited on distributing capital, in fact the SMEs problems not only in the capital, but concerning the expertise in marketing, financing, and managing the company. It need deep research about how to formulate funding schemes that is considered attractive by the SMEs. This research used qualitative method with the interpretive paradigm fenomology approach, case study in PT Jepara Express International (furniture supplier). This research was conducted through interview, observation and documentation by using data analysis technique, Milles and Hubberman method. Credibility of data was tested by using triangulation techniques, data sources, and time. From research methods, SMEs furniture in Jepara intrepreting that funding considered attractive if using partnership type with cluster and profit-sharing systems are becoming solution for SMEs furniture’s funding distribution program. In addition, certain entities formed to become alternative distribution funding schemes. Through this entities, SMEs furniture in Jepara could access and also got assisstance in marketing, financing and managing the company. Finnally, SMEs furniture could increase its performance through assisstance program. In the future needs further research about appropriate entities to represent the SMEs needed in financing and assisstance
PENGUATAN PENYALURAN KPR DI INDONESIA DALAM MEMENUHI KEBUTUHAN BACKLOG (Studi pada Bank Umum Konvensional Periode 2013-2015) Shoimatul Fitria; Erna Dwi Astutik
Fokus Bisnis : Media Pengkajian Manajemen dan Akuntansi Vol 16 No 2 (2017): Fokus Bisnis
Publisher : P4M STIE Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/fokusbisnis.v16i2.153

Abstract

The condition of economic fundamentals declining with the marked economic growththat only reached 4.51% and the value of rupiah that penetrated Rp13.000,00 make theprimary housing finance market (PPPP) in Indonesia become sluggish. This makes HousingLoans (KPR) declining. In addition, the policy of maintaining the BI rate at 7% and the 30%loan to value (LTV) policy also makes PPPP in Indonesia decreasingThe samples used were selected by purposive sampling method with some criterias. Thesamples in this study are 36 Conventional Commercial Banks in Indonesia that providehousing loan in period 2013-2015. The data used in this study were obtained from theBanking Annual Report 2013-2015. This study used Multiple Linear Regression Analysisthat includes classic assumption test, coefficient of determination test (R²), F statistic test,and t statistic test.The result of this research showed that DPK and NPL significantly positive influence toTotal of Housing Loans, housing loan interest rates has negative significant effect to Totalof Housing Loans. Whereas the determination of the test based on the research model thatcan explain the dependent variable well enough that it can be seen from the R Square valueof 0,47. This means that the ability of model prediction was 47% while the remaining 53%influenced by other variables outside the research.Keywords: third party fund, housing loan interest rates, non performing loan, housing loan
ANALISIS YURIDIS PUTUSAN PENGADILAN NEGERI MALANG NOMOR 372/Pid.B/2010/PN.MLG TENTANG TINDAK PIDANA PERKOSAAN Shoimatul Fitriana
Kumpulan Jurnal Mahasiswa Fakultas Hukum Sarjana Ilmu Hukum, Februari 2013
Publisher : Kumpulan Jurnal Mahasiswa Fakultas Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (208.829 KB)

Abstract

Abstraksi: Penelitian ini bertujuan untuk mengetahui dan menganalisiskesesuaian putusan hakim Nomor 372/Pid.B/2010/PN.MLG dalam memenuhirasa keadilan terutama melindungi hak-hak korban perkosaan dan ketertibanmasyarakat. Disini penulis meneliti mulai dari Berita Acara Pemeriksaan Kepolisian, Surat Dakwaan, berita acara pemeriksaan di Pengadilan, tuntutanJaksa Penuntut Umum, hingga putusan terkait kasus perkosaan tersebut.Penelitian ini dilakukan dengan pendekatan perundang-undangan dan  pendekatan kasus yakni meneliti kasus perkosaan yang hanya diputus pidana selama 1 tahun 6 bulan dikaitkan dengan Pasal 285 KUHP dengan ancaman pidana maksimal 12 tahun. Dari penelitian ini diharapkan ke depan dapat tercipta putusan-putusan hakim yang lebih memperhatikan nilai-nilai keadilan dan ketertiban masyarakat. Abstract: This study aims to identify and analyze the suitability of the judge's ruling 372/Pid.B/2010/PN.MLG Number sense of fairness, especially in protecting the rights of victims of rape and public order. Here the authors examined ranging from Police Interrogation, indictment, investigation report in court, the Public Prosecutor demands, decisions related to the rape case. This research was conducted with the approach of legislation and case approach to examine the rape cases that only criminal disconnected for 1 year 6 months was associated with Article 285 of the Criminal Code with a maximum penalty of 12 years. From this study are expected to be created before the decisions of judges are more concerned with the values of justice and public order.Kata kunci: Putusan Pengadilan, PN Malang, Tindak Pidana Perkosaan
Co-Authors Afira Rohmahtunisa Al Haddad , Dilhya Alfadhil Umar Aprihasyyati, Dalilatiyani Ajrinatia Aqida, Merdika Setya Ardiansyah, Rafi Ash Shidieq, Dhani Dzikri Astiwi Indriani Astutik, Erna Dwi Dani Setiawan Endang Tri Widyarti, Endang Tri Erna Dwi Astutik Grandy Loranessa Wungo Hastarini Dwi Atmanti Hermawan, Dwi Hermawan, Khrisna Akbar Indahastari, Junyar Mochammad Ardani Muhammad Misbachul Munir Prasetiono Prasetiono Rina Kurniati Salsabila, Febrinanda