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All Journal J-MACC : Journal of Management and Accounting Jurnal Pemberdayaan Umat Diversity Logic Journal Multidisciplinary Jurnal Pengabdian Kepada Masyarakat
Rachmaniyah, Fatichatur
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Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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PENGARUH PROFITABILITAS, UMUR PERUSAHAAN DAN FINANCIAL LEVERAGE TERHADAP UNDERPRICING SAHAM INITIAL PUBLIC OFFERING PADA PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2019- 2022 Setyorini, Ani; Darmayanti, Novi; Rachmaniyah, Fatichatur
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.6394

Abstract

Current business progress and developments make it easy for people to recognize various investments, one of which is stocks. Investors can find out several terms in purchasing shares, one of which is the initial public offering (IPO) which is used by companies to obtain additional capital obtained from investors. This study aims to determine the effect of profitability, firm age and financial leverage on the underpricing of Initial Public Offering shares. Using a quantitative research method using a sample of 21 companies that experienced stock underpricing in 2019-2022. The data analysis technique in this study used multiple linear regression analysis using SPSS version 26. This research tested using the t test and F test. The results of this study indicate that partially profitability, firm age and financial leverage have a significant effect on initial public offering stock underpricing. Simultaneously profitability, firm age and financial leverage have a significant effect on initial public offering stock underpricing.
COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE OF DIGITAL BANKS DURING THE COVID-19 PANDEMIC Rachmaniyah, Fatichatur; Purwati, Titik
DIVERSITY Logic Journal Multidisciplinary Vol. 1 No. 1 (2023): April: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v1i1.23

Abstract

Background. Along with the development of technology, banking services in Indonesia have largely transitioned into Digital Banks. Digital banks have become a solution to economic problems during the pandemic period. Research Purpose. To determine the analysis of the differences in the financial performance of digital banks during the COVID-19 pandemic period. Research Method. The research employs a comparative quantitative approach with a case research design. The research objects are three digital banks, namely Jago Bank, BTPN Bank, and Bukopin Bank. The data used in the research consists of financial reports from the quarters of the years 2020-2021. The research variables include the ratios ROA, ROE, BOPO, NPM, DER, and LDR. The analysis method utilizes the ANOVA test. Findings. The financial performance in terms of ROA, ROE, BOPO, NPM, and DER ratios between Jago Bank and BTPN Bank showed significant differences. However, the LDR ratio was no significant difference. The financial performance between Jago Bank and Bukopin Bank, in terms of the ROA, ROE, NPM, and DER ratios, resulted in significant differences. However, the BOPO dan LDR ratios were no significant differences. The overall ratios of BTPN Bank & Bukopin Bank have a significant difference. Conclusion. There is a significant difference in financial performance between Jago Bank, BTPN Bank, and Bukopin Bank during the pandemic period. These three digital banks exhibit different financial performances, aligning with their respective areas of focus. However, there are some variables among these digital banks that did not show significant differences in the LDR and BOPO.
THE NEXUS OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND FINANCIAL INCLUSION ON FINANCIAL PERFORMANCE: INSIGHTS FROM LAMONGAN'S CULINARY MSMES Maulidia Putri, Ihza Zamzara; Rachmaniyah, Fatichatur; Shoimah, Siti
DIVERSITY Logic Journal Multidisciplinary Vol. 2 No. 3 (2024): December: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v2i3.102

Abstract

Background: The MSME culinary sector is one of the most popular industries in Indonesia, particularly in Lamongan. MSME entrepreneurs in this sector need to enhance their understanding of financial literacy and financial inclusion to improve their business's financial performance. Additionally, keeping up with modern developments by utilizing financial technology is crucial to optimizing financial management. Research Purpose: This study aims to understand how financial literacy, fintech, and financial inclusion impact the financial performance of culinary micro, small, and medium enterprises in Lamongan. Research Method: This study uses an explanatory quantitative research approach. Data collection was conducted through Likert-scale questionnaires distributed to 140 MSME respondents in the culinary sector in Lamongan. These respondents were selected using purposive sampling, and the data were analyzed using multiple linear regression. Findings: The study reveals that financial literacy and inclusion enhance the financial performance of culinary micro, small, and medium enterprises in Lamongan. While fintech's role is insignificant, a synergistic approach involving all three factors significantly contributes to improved performance. Conclusion: Financial literacy and financial inclusion among MSMEs in Lamongan's culinary sector are relatively good. However, the application of financial technology does not significantly affect financial performance, as most consumers in Lamongan, from lower-middle-income groups, do not widely use fintech for transactions.
PELATIHAN UMKM DESA REJOSARI MENJADI GO DIGITAL MELALUI DIGITAL MARKETING DAN PENGELOLAAN KEUANGAN DIGITAL Rachmaniyah, Fatichatur; Ulfah, Anisa; Sari Finas, Intan; Indah Maulida, Alif
Jurnal Pengabdian kepada Masyarakat Vol. 11 No. 2 (2024): JURNAL PENGABDIAN KEPADA MASYARAKAT 2024
Publisher : P3M Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/abdimas.v11i2.6204

Abstract

In the digital era, MSMEs are faced with the challenge of adapting to technology in order to remain competitive. This study aims to improve the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) of herbal drinks in Rejosari Village, Lamongan. This is done through digital marketing and financial management training using the Qasir application. This training includes socialization of the importance of digital marketing and direct practice using social media platforms and financial management applications. The results of the study showed a significant increase in participants' digital knowledge and skills. In addition, participants showed a high interest in applying the knowledge gained in running their businesses. However, there are still several obstacles faced, such as the lack of digital literacy. This study concludes that digital training can be an effective solution to improve the competitiveness of MSMEs in rural areas.
Analisis Minat Masyarakat terhadap Layanan Fintech Syariah: Studi Pengabdian Bersama BSI Gresik Rachmaniyah, Fatichatur; Kusmayasari, Dewi; Khamila, Nabillatul; Astuti, Selvia Laely Dwi; Prameswana, Harda; Indriani, Arya Dhita
Jurnal Pemberdayaan Umat Vol. 4 No. 1 (2025): Februari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jpu.v4i1.4643

Abstract

Purpose: This study aims to analyze public interest in Sharia fintech services, focusing on the collaborative community service initiative with Bank Syariah Indonesia (BSI) Gresik. This research seeks to identify factors influencing community adoption, perceptions, and challenges related to Sharia-compliant financial technology. Methodology/approach: The study was conducted in Gresik, East Java, in collaboration with BSI Gresik. Data were collected through surveys distributed to 150 respondents, including BSI customers and local residents. The survey utilized a structured questionnaire with Likert-scale questions covering aspects such as awareness, trust, and usage patterns of Sharia fintech. Results/findings: The findings indicate moderate awareness of Sharia fintech services, with trust in Islamic financial principles being a key driver of adoption. However, limited product knowledge and concerns regarding security were identified as barriers. Conclusion: The study concludes that while there is growing interest in Sharia fintech services, targeted educational campaigns and improved security measures are needed to boost adoption. Collaboration between Islamic banks and fintech providers can further enhance accessibility and trust, aligning with the principles of financial inclusion and compliance with Sharia. Limitations: The study was geographically limited to Gresik, and the sample may not fully represent diverse socioeconomic groups. Additionally, reliance on self-reported data may have introduced a bias. Contribution: This study contributes to the understanding of Sharia fintech adoption in Indonesia by providing insights for Islamic banks, fintech developers, and policymakers to enhance financial inclusion strategies. It also supports the academic discourse on Islamic finance and digital innovation.
Co-Authors Anisa Ulfah, Anisa Astuti, Selvia Laely Dwi Indah Maulida, Alif Indriani, Arya Dhita Khamila, Nabillatul Kusmayasari, Dewi Maulidia Putri, Ihza Zamzara Novi Darmayanti Prameswana, Harda Sari Finas, Intan Setyorini, Ani Siti Shoimah