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All Journal Jurnal Ilmiah Manajemen dan Bisnis (JIMB) MIX : Jurnal Ilmiah Manajemen Jurnal Doktor Manajemen (JDM) Management Studies and Entrepreneurship Journal (MSEJ) Formosa Journal of Sustainable Research (FJSR) Indonesian Journal of Society Development (IJSD) Jurnal Pengabdian Masyarakat Journal of Fundamental Management (JFM)
Arief, Harefan
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Pengaruh Kinerja Keuangan Likuiditas, Leverage dan Profitabilitas terhadap Financial Distress Arief, Harefan; Fauzi, Firman; Saratian, Eko Tama Putra; Ashshidiqy, Nurdin; Kolis, David Nabhan
Jurnal Doktor Manajemen (JDM) Vol 4, No 1 (2021): APRIL 2021
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jdm.v4i1.12130

Abstract

Seeing the declining condition of Indonesia's economy, it touched negative growth because the world economy was also experiencing negative growth due to the Covid-19 pandemic. It is undeniable that every company will be overshadowed by a decline in financial performance which in the end can have an impact on the inability to manage finances so that in this condition if it continues it will cause financial distress. The purpose of this result is to identify and analyze the influence of fundamental factors represented by the ratio using the Ratio Analysis of ROA, DER and Current Ratio in Altman and Zmijewski's Financial Distress Analysis to see the effect of Liquidity, Leverage and Profitability on Financial Distress on mining sector stocks in the Stock Exchange. Indonesian Securities. Data analysis in this study is a oil and gas company on the Indonesia Stock Exchange during 2015-2019. Based on the calculation of ROA, DER and Current Ratio against Altman's Zscore. It can be concluded that the DER ROA variable does not partially affect the Zscore. Variable Current ratio affects to Zscore. The variables ROA, DER and Current Ratio simultaneously affect to Zscore. Then calculate the ROA, DER and Current Ratio to the Zmijewski Value. It can be concluded that the ROA variable partially affects to the Zmijewski value. DER and Current Ratio variables partially have no effect to Zmijewski value. The variables ROA, DER and Current Ratio simultaneously affect to Zmijewski Value.  Keywords: Altman, Financial Distres, Financial Performance, Zmijewski 
Pengaruh Kualitas Pelayanan, Kepercayaan, dan Kenyamanan terhadap Keputusan Menggunakan QRIS sebagai Alat Pembayaran Digital Oktaviar, Chairiel; Arief, Harefan; Saratian, Eko Tama Putra
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i2.5291

Abstract

Perkembangan dan kemajuan teknologi digitalisasi sistem pembayaran dengan uang elektronik terus berjalan, seiring dengan semakin banyaknya aplikasi dompet elektronik dan aplikasi ecommerce sebagai follower atas sukses yang telah di raih oleh beberapa aplikasi dompet elektronik, pembayaran merupakan tahap finishing dari sebuah transaksi pada sebuah bisnis/usaha akan menciptakan kualitas pelayanan (service quality) yang di berikan akan menumbuhkan rasa percaya (trust) dan memberikan kenyamanan (convenience) dalam bertransaksi, hasil akhirnya adalah keputusan untuk menggunakan kembali sistem pembayaran digital dengan menggunakan QRIS, hasil penelitian ini telah membuktikan bahwa kualitas pelayanan, kepercayaan dan kenyamanan berpengaruh positif dan signifikan terhadap keputusan menggunakan QRIS.
The Effect of Profitability and Liquidity on Firm Value with Financial Distress as a Mediating Variable Arief, Harefan; Oktaviar, Chairiel; Saratian, Eko Tama Putra; Soelton, Mochamad; Yuliantini, Tine
Jurnal Ilmiah Manajemen dan Bisnis Vol 10, No 3 (2024): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jimb.v10i3.26841

Abstract

Financial distress is a phase that precedes the state in which a business faces incapacity or failure, which can even lead to bankruptcy. If a company experiences a lack of funds for internal financing, a solution can be found by utilising debt as a source of external funding from other parties. Business failure and the risk of bankruptcy are often fears in a competitive business environment. Financial distress arises when a company is unable to fulfil its payment obligations or repay its debts. For internal companies, bankruptcy analysis is useful as an early warning against potential bankruptcy, providing an opportunity to maintain business continuity or sustainability. Therefore, the risk of bankruptcy can be minimised through proper analysis, allowing for a quick improvement. Some commonly used models to analyse corporate financial distress include the Altman, Springate, and Zmijewsk models. This study aims to analyse and identify the influence of fundamental factors represented by ratios, such as ROA Ratio, Current Ratio, and Firm Value, on the condition of Financial Distress in mining sector stocks on the Indonesia Stock Exchange. The research will focus on the impact of Profitability and Liquidity on Firm value, with Financial Distress as a mediating variable.The research results can be described as follows ROA has no effect on Firm Value. Current Ratio has no effect on Firm Value. ROA has no effect on Financial Distress. Current Ratio has a positive and significant effect on. Financial Distress, Financial Distress has a significant positive effect on Firm Value. Financial distresscannot mediate the relationship of Profitability (ROA) to Firm Value. Financial distress cannot mediate the relationship of Liquidity (Current Ratio) to Firm Value.
Pengaruh Kepercayaan, Biaya Transaksi dan Kenyamanan Terhadap Keputusan Pedagang Menggunakan QRIS Sebagai Sistem Pembayaran Digital Oktaviar, Chairiel; Iramawan, Dhani; Arief, Harefan
Journal of Fundamental Management (JFM) Vol 5, No 2 (2025): JULI 2025
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jfm.v5i2.34749

Abstract

In the era of rapid digitalization, the need for a fast, easy, cheap, safe and reliable payment system is becoming increasingly important. The Quick Response Code Indonesian Standard (QRIS), launched by Bank Indonesia, is here as an innovative solution to support non-cash transactions in various economic sectors. In its use, there are 3 (three) main aspects that are of concern to the public and business actors, namely the level of trust, the amount of transaction costs, and the convenience of QRIS users. In addition, the number of merchants, both street vendors and managed MSMEs who use and accept QRIS as a non-cash (digital) payment tool has also grown rapidly. According to data sources from Bank Indonesia (BI) until the end of the first quarter of 2025 (March 2025), QRIS consumer users reached 56.3 million people, while the number of Merchants (QRIS Receiving Merchants) was 38.1 million, most of which were MSMEs. Bank Indonesia is targeting that by the end of 2025 the number of QRIS consumer users will reach 58 million. The figures above show the large penetration and market share of QRIS in Indonesia both in terms of consumer users and merchants, this phenomenon indicates that the trust variable, transaction cost variable and convenience variable have a positive and significant effect on the increase in the number of consumers and merchants using QRIS, this proves that the adoption process of non-cash (digital) payment systems using QRIS is increasingly massive and inclusive until the end of the first quarter of 2025 (March 2025).
Sistem Pembayaran pada Usaha Makanan Kecil Khas Betawi untuk Keberlangsungan Usaha Masyarakat di Wilayah Kelurahan Joglo Jakarta Barat Oktaviar, Chairiel; Utama, Andyan Pradipta; Arief, Harefan
BESIRU : Jurnal Pengabdian Masyarakat Vol. 1 No. 4 (2024): BESIRU : Jurnal Pengabdian Masyarakat, April 2024
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/edv92n81

Abstract

Fenomena menunjukan begitu besarnya minat dan niat masyarakat untuk mendapatkan penghasilan (income) untuk memenuhi kebutuhan dan tuntutan untuk tetap bisa bertahan hidup (survive) yang harus terus diperjuangkan, maka timbullah inisiatif untuk membuka usaha kecil di tengah adanya permasalahan keterbatasan financial (modal), keterbatasan pengetahuan tentang sistem pembayaran (finansial tekhnologi) dan juga permasalahan pengetahuan strategi pemasaran berbasis digital, ketiga permasalahan tersebut justru menjadi tantangan dan penyemangat untuk dipelajari dan moment kegiatan pengabdian kepada masyarakat ini menjadi kesempatan terbaik untuk dapat berbagi ilmu pengetahuan dan pengalaman kepada masyarakat peserta dan mitra UMKM, agar tetap dapat mempertahankan keberlangsungan usaha yang telah dirintis.
PEMANFAATAN TEKNOLOGI ARTIFICIAL INTELEGENCE (AI) DALAM MENINGKATKAN PENJUALAN DAN SUSTAINABILITY BISNIS UMKM Arief, Harefan; Oktaviar, Chairiel; Saratian, Eko Tama; Nuryadi, Hasan; Stephani, Suzan Bernadetha
BESIRU : Jurnal Pengabdian Masyarakat Vol. 1 No. 6 (2024): BESIRU : Jurnal Pengabdian Masyarakat, Juni 2024
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/mgjxst31

Abstract

Teknologi kecerdasan buatan saat ini berkembang pesat dari waktu ke waktu, namun banyak UMKM yang belum sepenuhnya memanfaatkan teknologi ini untuk kemajuan bisnis mereka. Para pemilik UMKM beranggapan bahwa teknologi kecerdasan buatan atau AI hanya dapat digunakan oleh industri yang mumpuni dengan teknologi serta bisnis kreatif dan digital. Pemilik usaha UMKM di wilayah Jakarta Barat, khususnya di Kelurahan Srengseng, terpantau masih menggunakan cara-cara tradisional dalam berbisnis dalam artian masih belum memanfaatkan teknologi digital internet secara efektif. Selama ini teknologi digital yang digunakan oleh para pelaku usaha adalah teknologi digital dasar seperti menawarkan produknya melalui SMS atau media sosial seperti Facebook, Instagram, dan Whatsapp. Hal ini dikarenakan keterbatasan pengetahuan dan sumber daya manusia yang mampu mengelola bisnis dengan menggunakan teknologi digital. Berdasarkan permasalahan yang telah diuraikan di atas, sebagai lembaga pendidikan dimana perguruan tinggi memiliki tanggung jawab kepada masyarakat untuk memberikan solusi yang akan dilakukan seperti memberikan pelatihan kepada masyarakat mitra UMKM dalam meningkatkan pengetahuan dan literasi serta peningkatan keterampilan dalam teknologi digital yang lebih canggih yaitu dengan pemanfaatan artificial intelligence atau kecerdasan buatan dan membantu memastikan implementasi teknologi ArtificiaI Intelligence yang dapat dimanfaatkan dalam rangka meningkatkan inovasi baik inovasi produk, inovasi promosi sehingga akan dapat meningkatkan penjualan yang pada akhirnya bertujuan untuk keberlanjutan usaha (sustainable).
Advancing the Financial Inclusion with Profit Sharing Scheme for the Sustainability of Indonesian MSMEs Saratian, Eko Tama Putra; Arief, Harefan; Oktaviar, Chairiel; Marlapa, Eri; Soelton, Mochamad
Indonesian Journal of Society Development Vol. 3 No. 3 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsd.v3i3.9884

Abstract

This community service is related to economic society development by introducing financial inclusion with the profit-sharing financing scheme for the sustainability of The Indonesian Micro, Small, and Medium Enterprises (MSMEs). The partner of this community service is Pondok Aren District, in this case, the Cooperatives & UMKM Service, South Tangerang, Banten 15228. Pondok Aren District is multiplying, with a population of around 294,996. This is directly proportional to the number of MSMEs reported based on the SKDU document, which is around 1,373. Currently, the government, through the Financial Services Authority (OJK), is calling on the public to continue to encourage the progress of the Sharia Financial Industry, which has grown rapidly in the last five years both. For this reason, there is a need for an advancement in understanding Sharia profit-sharing financing and literacy about Sharia financing products that can be implemented for the MSMEs
Build a Better Personal Abilities for a Sustainable Motivation: a Community Services in Penang, Malaysia: Arijanto, Agus; Soelton, Mochamad; Bagaskara, Muhammad Adrian; Karyatun, Subur; Supryadi, Didy Ika; Arief, Harefan; Rahmad, Khozaeni Bin
Indonesian Journal of Society Development Vol. 3 No. 4 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsd.v3i4.10367

Abstract

The aim of this community service is to empower informal workers and learning sector facilitators by strengthening the individual potential of the Indonesian Community Association (PERMAI) Pulau Pinang with a differentiated learning approach that favors the informal sector workers themselves, as well as an effort to adapt the adjustment process to the work community which exists. With minimal levels of education and skills, these job seekers have to compete with each other. To alleviate poverty, the government implemented a program to place Indonesian Migrant Workers (TKI) abroad. The government's role in this program is focused on aspects of training, protection and providing various conveniences to related parties, especially TKI and Indonesian Migrant Worker Placement Services Companies (PJTKI). Stage 1: Map and collect data on initial partner conditions; Stage 2, Socialization through discussions with partners regarding implementation preparations, implementation time, members involved and service topics at Partners; Stage 3: Training and empowerment of differentiated learning and learning pattern approaches that focus on increasing productivity levels; Stage 4: Assistance in implementing learning approaches to learning patterns that favor increasing productivity levels; Stage 5: monitor and evaluate all partner activities; Stage 6: Follow-up on program implementation
Towards the Knowledge Management: Improving The Role of Organizational Citizenship Behavior Through the Job Satisfaction Perkasa, Didin Hikmah; Purwanto, Setiyo; Dhyan Parasakti, Ryani; Soelton, Mochamad; Arief, Harefan
MIX: JURNAL ILMIAH MANAJEMEN Vol 14, No 2 (2024): MIX: Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2024.v14i2.009

Abstract

Objective: The objective of this research is to evaluate and analyze the impact of effective good corporate governance and knowledge management on organizational citizenship behavior. In addition, this research also investigated the mediating role of job satisfaction.Methodology: This research involved the saturated sample of 179 employees. Quantitative analysis was carried out through a survey approach using questionnaires and the Smart-PLS model structural analysis method.Findings: An interesting finding in this research is that consistent and structured implementation of GCG has been able to improve organizational performance by reaching the right people through the right channels in a short time. Therefore, employee job satisfaction is no longer the dominant factor in this research.Conclusion: Organizational citizenship behavior has a positive influence on Good Corporate Governance and knowledge management. The implementation of good corporate governance and well-functioning knowledge management makes a positive contribution to the level of job satisfaction. Even though job satisfaction has a significant positive impact on Organizational Citizenship Behavior, job satisfaction does not act as an intermediary in the relationship between Good Corporate Governance and Organizational Citizenship Behavior. In contrast, in the knowledge management framework, job satisfaction plays a role as a mediator that connects the influence of knowledge management on organizational citizenship behavior.
The Influence of Sales Growth, Profitability, Liquidity and Firm Size Towards Financial Distress Arief, Harefan; Saratian, Eko Tama Putra; Oktaviar, Chairiel; Marlapa, Eri; Soelton, Mochamad
Formosa Journal of Sustainable Research Vol. 3 No. 8 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i8.10636

Abstract

There are several models that can be used in analyzing a company's Financial Distress, the most widely used is the Altman model. The study aims to analyze and identify the influence of fundamental factors represented by ratios such as Sales Growth Analysis, ROA Ratio, Current Ratio, and Firm size on Financial Distress conditions. This research was conducted on financial statements of oil and gas mining sector. Data was collected using data panel with multiple linear regression technique analysis. Data was proceed using Eviews 12. The result show Sales growth, ROA, Current Ratio and TATO ratio have a partially significant effect on Financial Distress. Sales growth ROA, Current Ratio and TATO ratio together and a simultaneous have an effect on Financial Distress
Co-Authors Arijanto, Agus Ashshidiqy, Nurdin Bagaskara, Muhammad Adrian Dhyan Parasakti, Ryani Didin Hikmah Perkasa Didy Ika Supryadi Eko Tama Putra Saratian Eri Marlapa Fauzi, Firman Iramawan, Dhani Karyatun, Subur Kolis, David Nabhan Mochamad Soelton Nuryadi, Hasan Oktaviar, Chairiel Rahmad, Khozaeni Bin Setiyo Purwanto Stephani, Suzan Bernadetha Tine Yuliantini Utama, Andyan Pradipta