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All Journal MIX : Jurnal Ilmiah Manajemen Syntax Literate: Jurnal Ilmiah Indonesia Scientific Journal of Reflection : Economic, Accounting, Management and Business DIJB (Diponegoro International Journal of Business) JURNAL PENDIDIKAN TAMBUSAI Accounting and Management Journal JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) JURNAL PEMASARAN KOMPETITIF Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Jurnal Pemberdayaan Masyarakat Indonesia (JPMI) Jurnal Ad'ministrare Journal of Artificial Intelligence and Digital Business Journal of Research and Publication Innovation International Journal of Economics, Management and Accounting Karimah Tauhid Jabdimas: Jurnal Pengabdian Masyarakat Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Benefit: Jurnal Manajemen dan Bisnis Economic Management Business Research Journal
Marjohan, Masno
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Neuroscience Social Sciences Other

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The Effect of Liquidity, Liquid Assets, and Non-Performing Loans on Financial Performance with Cost Efficiency As A Moderation Variable Banking Listed on The Indonesia Stock Exchange Marjohan, Masno
MIX: JURNAL ILMIAH MANAJEMEN Vol 14, No 3 (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.v14i3.006

Abstract

Objectives: This investigation aimed to ascertain the influence of Liquidity, Capital Adequacy, and Non-Performing Loans on Financial Performance while considering the moderating role of Cost Efficiency. Methodology: This study utilizes secondary data collected through purposive sampling. 100 samples were selected based on specific criteria over 5 time periods using the EViews testing tool. The data was analyzed using Panel Data Regression with Moderating Regression Analysis. Finding: Liquidity and capital adequacy positively impact financial performance, while non-performing loans have no significant effect. Cost efficiency strengthens the positive effects of liquidity and capital adequacy but not of non-performing loans.Conclusion: Enhancing financial performance is crucial for any organization, and liquidity and capital adequacy play a vital role in achieving this goal. These factors have been proven to have a favorable impact on the overall financial health of a company. Conversely, non-performing loans appear to have a negligible impact on financial performance. However, cost efficiency can further strengthen the positive effects of liquidity and capital adequacy, but it does not have the same impact on non-performing loans. Hence, focusing on maintaining high levels of liquidity and capital adequacy, along with improving cost efficiency, can greatly contribute to enhancing financial performance.
Peningkatan Penjualan Produk UMKM Melalui Inovasi dan Diversifikasi Produk Pada UMKM di Kel. Kayumanis Kec. Tanah Sareal Kota Bogor Hadi Broto; Thamrin, Muhammad Husni; Alinda Nurayani; Marjohan, Masno; Supratikta, Hadi
Karimah Tauhid Vol. 4 No. 1 (2025): Karimah Tauhid
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/karimahtauhid.v4i1.17639

Abstract

Usaha Mikro, Kecil, dan Menengah atau yang sering kita kenal dengan UMKM memainkan peran vital dalam perekonomian Indonesia. UMKM tidak hanya berkontribusi pada penciptaan lapangan kerja tetapi juga pada peningkatan pendapatan masyarakat dan pertumbuhan ekonomi nasional sehingga berperan dalam proses peningkatan taraf hidup perekonomian masyarakat, UMKM sering menghadapi berbagai tantangan yang dapat menghambat perkembangan mereka. Salah satu tantangan utama yang dihadapi oleh UMKM adalah manajemen pemasaran produk yang kurang efektif, dikarenakan banyak pelaku UMKM yang masih menggunakan metode pemasaran yang sederhana sehingga pangsa pasar tidak tersentuh lebih luas. Di era digital ini inovasi dan diversifikasi produk sangat diperlukan untuk memberikan kontribusi prositif bagi peningkatan kesejahteran pelaku usaha UMKM melalui peningkatan penjualan produk UMKM, khususnya di Kelurahan Kayu Manis. Kegiatan Pengabdian Masyarakat ini bertujuan untuk meningkatkan kesadaran dan pemahaman pelaku UMKM terkait inovasi dan strategi pemasan produk guna meningkatkan pendapatan pelaku UMKM. Melalui kegiatan ini, diharapkan UMKM dapat mengoptimalkan manajemen pemasaran mereka, sehingga dapat beroperasi lebih efisien dan kompetitif di pasar sehingga mampu bersaing dan pelaku usaha dapat meningkatkan taraf hidup dengan adanya peningkatan pendapat dari usaha UMKM. Dalam kegiatan progam pengabdian kepada masyarakat ini dilakukan pelatihan dan pendampingan terkait dengan peningkatan penjulan produk UMKM yang difokuskan pada dua hal utama yaitu inovasi kemasan dan diversifikasi produk. Peningkatan penjualan menunjukkan bahwa daya saing dan pemasaran produk UMKM di Kelurahan Kayumanis diperkuat dengan inovasi kemasan dan diversifikasi produk. Kemasan yang menarik mampu meningkatkan daya tarik produk dan menarik minat pelanggan. Diversifikasi produk memberi pelanggan lebih banyak pilihan dan meningkatkan potensi penjualan. Meskipun program PKM menunjukkan hasil yang positif, ada beberapa tantangan yang perlu diperhatikan. Beberapa di antaranya adalah keterbatasan modal dan akses terhadap teknologi informasi. Untuk mengatasi tantangan ini dan memastikan program terus berlanjut, pemerintah dan pihak terkait harus terus memberikan dukungan. Diperlukan peningkatan intensitas pendampingan, pelatihan yang lebih khusus dan terarah, dan kemudahan mendapatkan permodalan untuk pengembangan program di masa mendatang.
Manipulation of financial statement reporting has an impact on financial information and affects company value Marjohan, Masno
Diponegoro International Journal of Business Vol 7, No 2 (2024)
Publisher : Department of Management | Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/dijb.7.2.2024.147-165

Abstract

This study aims to determine and analyze the effect of manipulation of financial statement reporting on firm value, as well as the consequences of financial statement information on companies listed on the Indonesia Stock Exchange. This research uses quantitative associative, the sampling technique used is purposive sampling. The sample size for this study was determined based on criteria obtained from 105 property and real estate industry companies listed on the Indonesia Stock Exchange within 5 years. The analysis techniques used include descriptive statistical analysis, panel data regression test, classical assumption test, and path analysis. The results showed that external pressures strongly influence financial statement reporting manipulation, emphasizing the need for organizations to overcome these pressures through alternative financing options. Industry characteristics also play an important role in the occurrence of manipulation, while rationalization and capability have minimal effects. In addition, external pressure, industry characteristics, rationalization, and capability jointly affect financial statement manipulation. Surprisingly, financial statement manipulation or fraud does not have a significant impact on firm value, as signaling theory explains its negative impact on investor confidence and stock prices. This study found that external pressure and industry dynamics play an important role in the incidence of report manipulation, while rationalization and capability.
Strategi pengelolaan keuangan dalam meningkatkan produktivitas UMKM di Sindang Jaya Kabupaten Tangerang Riandi, Arif; Rachmawaty, Rachmawaty; Havizh, Muhammad; Suradi, Suradi; Febrianto, Satriyadi; Islami, Firda; Marjohan, Masno
Jabdimas: Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2025): Jabdimas: Jurnal Pengabdian Masyarakat
Publisher : Magister Manajemen, Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jabdimas.v3i1.216

Abstract

Pengelolaan keuangan yang efektif merupakan salah satu faktor penting dalam meningkatkan produktivitas Usaha Mikro, Kecil, dan Menengah (UMKM). Pengabdian kepada masyarakat ini dilakukan di Kecamatan Sindang Jaya, Kabupaten Tangerang pada tanggal 18 Mei 2025 dengan mitra UMKM FORSAMIK. Kegiatan difokuskan pada strategi pengelolaan keuangan yang meliputi empat aspek utama: perencanaan keuangan, pencatatan keuangan, pengendalian keuangan, dan evaluasi keuangan secara berkelanjutan. Pelatihan mencakup pembuatan rencana keuangan seperti anggaran, prediksi pendapatan, dan rencana pengeluaran; pemanfaatan fasilitas pembiayaan dari pemerintah atau lembaga keuangan; pencatatan transaksi keuangan secara disiplin; penggunaan aplikasi akuntansi digital; pemisahan keuangan pribadi dan bisnis; serta evaluasi arus kas dan kinerja keuangan secara rutin. Hasil pengabdian menunjukkan peningkatan pemahaman dan kemampuan pelaku UMKM dalam mengelola keuangan secara sistematis, yang berdampak positif terhadap produktivitas dan keberlanjutan usaha. Pendekatan ini diharapkan dapat menjadi model pengelolaan keuangan yang aplikatif bagi UMKM di wilayah lain.
Literature Review: The Effectiveness of Risk Management Training in Financial Institutions in the Digital Era Hermawan, Rangga Adhitia; Pajar, Pajar; Sri Handayani, Avivah; Meylani, Shella; Intan Pratiwi, Niken; Handayani, Yesie; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.287

Abstract

The rapid development of digital technology has significantly changed the landscape of the financial industry. The digitisation of financial services offers convenience and efficiency, but also brings new challenges in terms of risk. Effective risk management is key to ensuring the stability and sustainability of financial institutions in the digital age. The method used is a literature study taken from several national journals and expert articles accessed online. This method aims to summarise the current understanding of a topic. The literature review presents previously published material and analyses new facts. Digital financial risk management strategies in retail companies require a comprehensive, adaptive, and technology-based approach. The digital financial sector faces increasingly complex risks as technology adoption accelerates. There are several challenges and threats in risk management for financial institutions in the digital era, one of which is technological advancement. The emergence of increasingly sophisticated technology has a significant impact on the structure of life. Digital financial risk management requires adaptive technology-based strategies to address complex risks in the digital era. The roles of AI, blockchain, and IoT are key in risk mitigation. Financial institutions, including Islamic and conventional banks, need to enhance regulatory compliance, digital literacy, and service innovation to compete with fintech companies and sustain customer trust.
The Role of Digital Financing through Crowdfunding in Supporting Social and Humanitarian Fundraising Muslim; Agustiani, Mulia; Audryna, Leyryza; Nabilah, Azmi; Setiawan, Anthony; Marliana, Marliana; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.295

Abstract

This study aims to analyze the role of digital financing through crowdfunding in supporting social and humanitarian fundraising. The method used is a descriptive qualitative approach through a case study. The findings indicate that kitabisa.com has successfully served as a bridge between donors and beneficiaries by utilizing easily accessible digital technology. Factors influencing the success of campaigns include the strength of the narrative, public trust, transparency in fund usage reporting, and the convenience of digital transactions. The platform also encourages broader public participation in social activities in a faster and more efficient manner. These findings suggest that digital crowdfunding is a relevant alternative financing solution in the digital era, particularly for the social and humanitarian sectors.
Digital Investment and Online Financial Markets: A Quantitative Case Study on Mutual Fund Investment Decisions by Millennials Using Blue Apps in Jakarta Nurmala, Riska; Tomana, Josef; L. Tobing, Rangga; Sari, Kartika; Lestari, Nurul Khofifah; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.296

Abstract

The development of digital technology has driven significant changes in investment behavior, particularly among millennials. This study aims to analyze the influence of financial literacy, risk perception, and ease of use of applications on mutual fund investment decisions among millennials who use the Blue App in Jakarta. This study employs a quantitative approach using a survey method, involving 120 respondents selected through purposive sampling. The research instrument consists of a closed-ended questionnaire with a Likert scale, and the data was analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that financial literacy has a positive and significant effect on investment decisions, suggesting that the higher an individual's financial understanding, the more rational their investment decisions. Risk perception has a negative and significant effect, meaning that the higher the perceived risk, the lower the individual's tendency to invest. Meanwhile, the ease of use of the application was found to have a positive and significant influence on investment decisions, indicating that a good user experience encourages higher investment activity. This study has implications for application developers and financial institutions to improve financial literacy, minimize risk perception, and continue to refine application features to encourage increased digital investment participation among the younger generation.
Digital Financial Ethics and Risk Management Supandi, Hanie; Irawan, Yopie; Setiawati, Dwi; Kurniawan, Rusdi; Lestari, Bunga Westu; Permatasari, Delsa Yunia; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.297

Abstract

The rapid development of digital technology has transformed the global financial industry landscape, bringing efficiency but also increasing the complexity of risks such as cyber attacks, data breaches, and regulatory non-compliance. This study aims to evaluate risk management strategies in digital finance and the importance of integrating ethical values through a literature review approach. Data was collected from national journals and relevant academic articles, focusing on training, technology implementation, and risk management policies. The findings indicate that effective strategies require adaptive technology-based approaches, such as the implementation of Artificial Intelligence (AI), blockchain, and the Internet of Things (IoT). Dominant digital risks include fraud, data breaches, and system attacks, which demand ethics-based governance and improved digital literacy. Internal factors such as human resources and organisational culture, as well as external factors such as regulations and fintech competition, also influence the effectiveness of risk management. In conclusion, the success of risk management in digital finance is determined by the synergy between technological sophistication and the comprehensive application of ethical principles in the governance of financial institutions.
The Role of Artificial Intelligence and Big Data in the Transformation of Recruitment Processes and Financial Analysis: A Systematic Literature Review Marjohan, Masno; Hidayat, Wahyu; Pratama, Adi; Mentari, Beta; Putri, Amelia; Rahayu, Endah Sri; Safan, Azian M
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.298

Abstract

This study aims to explore the transformative role of Artificial Intelligence (AI) and Big Data in recruitment processes and financial analysis. Through a systematic literature review approach, data were collected from national journals published in the last five years. The findings show that AI has significantly improved the efficiency and objectivity of candidate selection by automated screening based on skill-matching algorithms. Meanwhile, Big Data analytics enhances financial decision-making by enabling real-time insights into company performance, profitability, and risk. The integration of these technologies not only optimizes human resources and financial management but also demands robust data governance  This research concludes that successful implementation of AI and Big Data must be holistic combining technical, managerial, perspectives to build adaptive, accurate, and sustainable organizational systems.
Strategi, Alat dan Platform Keuangan Digital: Dampaknya pada Motivasi Kerja Karyawan dalam Tinjauan Literatur Marjohan, Masno; Supratikta, Hadi; Hifny, Muhammad; Turnip, Jhon Sutrisno; Nur'aini, Eni; Yansyah, Rusli; Nurayani, Alinda
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 3 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i3.1139

Abstract

In the era of digital transformation, the integration of digital financial tools and platforms into organizational systems has reshaped how employees engage with their work. This study investigates the impact of digital financial technologies on employee motivation, highlighting both the opportunities and challenges that arise from this technological shift. The main issue addressed is the dual effect of such tools: while they can enhance financial literacy, efficiency, and employee satisfaction, they may also contribute to digital stress and privacy concerns. The purpose of this study is to examine how digital financial platforms influence work motivation by synthesizing findings from existing scholarly literature. Using a systematic literature review method, this research analyzes 38 journal articles, industry reports, and case studies published between 2019 and 2023, selected from academic databases such as ScienceDirect, SINTA, and Google Scholar. Thematic analysis was employed to identify key patterns related to employee motivation, financial well-being, technological adaptation, and organizational strategies. The findings show that digital financial tools positively impact employee motivation by increasing transparency, autonomy, and financial control. However, concerns related to cybersecurity, unfamiliarity with digital tools, and resistance to change may lead to anxiety and reduced motivation. The study concludes that companies must implement supportive strategies such as digital training, inclusive technology policies, and robust data protection measures to maximize the benefits of financial digitalization while minimizing its drawbacks.
Co-Authors Adhe Purnomo, Nugroho Adi Pratama, Adi Afrilia, Dwi Agustiani, Mulia Akiko, Leidy Vit Alinda Nurayani Arsyil Firian, Yuan Audryna, Leyryza Dwi Pratama, Guruh Fauziah, Uhti Febrianto, Satriyadi Hadi Broto Handayani, Yesie Hartati, Arini Nur Havizh, Muhammad Hermawan, Rangga Adhitia Hifny, Muhammad Holiawati, Holiawati Intan Pratiwi, Niken Irawan, Yopie Islami, Firda Janitra, Olief Zaki Kartika Sari Kartolo, Rachmat Kurniawan, Rusdi Kurniawan, Zen L. Tobing, Rangga Lestari, Bunga Westu Lestari, Nurul Khofifah Lisdawati Lisdawati Marliana Marliana, Marliana Martono, Adi Mentari, Beta Meylani, Shella Muhammad Husni Thamrin, Muhammad Husni Muslim Nabilah, Azmi Nur'aini, Eni Nurafifah, Nurafifah Nurayani, Alinda Nurmala, Riska Octavia, Isnaini Pajar, Pajar Permatasari, Delsa Yunia Putri, Amelia Putri, Zulfati Zianurisma Rachmawaty Rachmawaty, Rachmawaty Rahayu, Endah Sri Riandi, Arif Rini Suryani, Rini Ruhiyat, Endang Safan, Azian M Sampurnaningsih, Sri Retnaning Septiono, Wakhid Lukas Setiawan, Anthony Setiawati, Dwi Sri Handayani, Avivah Sugiyanto - Supandi, Hanie Supratikta, Hadi Suradi Suradi Tomana, Josef Turnip, Jhon Sutrisno Wahyu Hidayat Waryanto, Hendro Yansyah, Rusli Zulfahmi, Muhammad Zaki