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Nurastuti, Preatmi
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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI CASHLESS SOCIETY Wulandari, Ayu; Kustina, Lisa; Nurastuti, Preatmi
Jurnal Investasi Vol. 9 No. 2 (2023): Jurnal Investasi Vol. 9 No 2
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v9i2.271

Abstract

This research is motivated by the increasingly widespread use of electronic money as payment transactions in order to reduce the use of paper money to create a cashless society. This type of research is quantitative research with secondary data in the form of time series which includes electronic money transaction data, electronic money circulating data, means of payment by card, and electronic money infrastructure data obtained from Bank Indonesia's official website for 2018-2022. The results of the study show that electronic money transactions have an effect on a cashless society, electronic money in circulation has an effect on a cashless society, digitalization of electronic money has an effect on a cashless society, electronic money infrastructure has an effect on a cashless society, electronic money infrastructure can strengthen electronic money transactions on a cashless society, money infrastructure electronic money is able to strengthen the circulation of electronic money towards a cashless society, and electronic money infrastructure is able to strengthen the digitalization of electronic money towards a cashless society.
Risk and Profitability of Islamic Banking in Indonesia : Granger Causality Test Rakhmat, Adrianna Syariefur; Nurastuti, Preatmi; Fahamsyah, Mohammad Hatta
Proceeding International Pelita Bangsa Vol. 1 No. 01 (2023): September 2023
Publisher : DPPM Universitas Pelita Bangsa

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Abstract

This research discusses the two-way relationship between financing risk and profitability in Islamic banks. This research is a quantitative study. The data used is secondary data sourced from the Financial Services Authority regarding Islamic Bank Financing Risk or Non-Performing Financing (NPF) and Islamic Bank Profitability or Return on Assets (ROA) in June 2014-June 2023. This research tests the two-way relationship between NPF and ROA using the Granger Causality Test. This research finds that there is only a one-way relationship between ROA and NPF.
Pendampingan Peramalan Penjualan Produk pada Usaha Mikro Cemilan Cepuluh Kampung Karang Kandal Nurjanah, Rina; Andriyani, Meli; Nurastuti, Preatmi; el Muiz, Najmi Tsania; Rukoyah, Siti
Abdimas Galuh Vol 6, No 2 (2024): September 2024
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v6i2.14546

Abstract

Penjualan merupakan salah satu hal yang penting dalam kegiatan operasional suatu usaha. Perkembangan usaha dapat dilihat dari hasil penjualan yang dilakukan, oleh karenanya penjualan menjadi hal yang dibutuhkan dalam keberlanjutan usaha terutama pada usaha mikro. Agar dapat meningkatkan penjualan, tentunya suatu usaha perlu melakukan perencanaan bisnis. Perencanaan bisnis meliputi perencanaan keuangan, sumber daya manusia, serta pemasaran. Dalam peningkatan penjualan dibutuhkan perencanaan dengan mengetahui perkiraan penjualan di masa depan. Penyusunan forecast penjualan pada mitra diharapkan dapat meningkatkan kemampuan mitra dalam berfikir logis dan analitis untuk dapat mempertahankan usahanya. Tujuannya agar forecast penjualan yang dibuat dapat membantu mitra dalam mengelola persediaan serta dapat menentukan pemasok dan pembiayaan, yang pada akhirnya mitra dapat mengambil keputusan strategis. Hasil kegiatan menunjukkan peningkatan pada pemahaman mitra atas perhitungan peramalan penjualan, dibuktikan dengan hasil peramalan penjualan yang disusun oleh mitra secara mandiri. Kegiatan pendampingan diharapkan dapat dilanjutkan pada materi lainnya yang mendorong peningkatan kompetensi mitra.
Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

Abstract

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%
Determinants of stock returns: evidence from property and real estate companies in Indonesia Wijaya, Cahyadi; Nurastuti, Preatmi; Musiega, Maniagi; Kurniawati, Herni
Global Advances in Business Studies Vol. 4 No. 1 (2025): Global Advances in Business Studies (GABS)
Publisher : Ifma Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55584/Gabs.004.01.5

Abstract

This study examines the effect of the current ratio, debt-to-equity ratio, return on assets, and dividend payout ratio on stock returns in property and real estate companies listed on the Indonesian stock exchange for 2018-2022. This research employs a quantitative approach using secondary data from the companies' annual financial reports. The sample covers 11 property and real estate companies listed on the Indonesian stock exchange. The results show that the current ratio, debt-to-equity ratio, and return on assets do not significantly affect stock returns, whereas the dividend policy does.
Pelatihan Pengelolaan Kas Kecil Guna Meningkatkan Akuntabilitas Pencatatan Keuangan Yulianti, Vista; Widiastuti, Widiastuti; Nurastuti, Preatmi; Wulandari, Dian Sulistyorini
Lentera Pengabdian Vol. 1 No. 02 (2023): April 2023
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v1i02.45

Abstract

Metode yang digunakan untuk penyempurnaan pencatatan buku kas kecil adalah pelatihan, pendampingan, dan pemeriksaan kembali. Mengingat masih adanya beberapa kesalahan dalam beberapa pencatatan jumlah saldo pada bagian tabungan dan kredit yang menyebabkan berbedanya pencatatan pada saldo pada buku dan kartu kredit dengan yang tercatat pada komputer dan pegawai perlu meningkatkan pendapatan. Melihat kondisi tersebut, Pengabdian Kepada Masyarakat Universitas Pelita Bangsa hadir membawa misi untuk membantu memberikan pemeriksaan kembali dan pendampingan pencatatan buku kas kecil sehingga dapat meningkatkan ketelitian dalam pencatatan buku kas kecil.
Leverage on Firm Value with Two Diversifying Profitability and Investment Opportunities Nurastuti, Preatmi; Rasyiddin, Ahmad; Rakhmat, Adrianna Syariefur
Journal of Research in Social Science and Humanities Vol 5, No 2 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i2.373

Abstract

This research contributes to scientific studies on the contribution of leverage structure to increasing firm value using mediation: profitability and Investment Opportunity Set. This is relevant considering 1. The importance of the leverage function for the company, 2. Profitability and investment opportunities as mediation in increasing firm value are ignored in previous studies. 3. This study also replicates leverage for value creation mediated by IOS, considering that leverage is important for the financial health of the company to grow in creating firm value. This study will help policy makers to have a greater focus on creating firm value. The research analysis was conducted using path analysis, Sobel test, which is used to test the hypothesis from quantitative data taken from manufacturing companies listed on the Indonesia Stock Exchange. This study shows that leverage cannot affect firm value. Profitability also cannot affect firm value. However, leverage can affect profitability or the ability to generate profits as the company's profit power. The company's profit power has the potential to open up investment opportunities and increase firm value.
PENGENALAN INVESTASI DI PASAR MODAL PADA PELAKU UMKM CIKARANG PUSAT Nurjanah, Rina; Andriyani, Meli; Kosim, Muhammad; Nurastuti, Preatmi; Istiqomah, Anisah
Aptekmas Jurnal Pengabdian pada Masyarakat Vol 7 No 1 (2024): APTEKMAS Volume 7 Nomor 1 2024
Publisher : Politeknik Negeri Sriwijaya

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Abstract

This activity focuses on introducing investment in the capital market to Micro, Small and Medium Enterprises (MSMEs), especially those who are members of the Central Cikarang MSME Forum. The micro and small business groups that are the focus involve culinary, convection, souvenir traders and others. Most of these MSME players have a lack of knowledge in the financial sector, especially regarding investment. Therefore, the aim of this activity is to increase their understanding of investment, especially in the capital market context. This is important so that they can manage their funds wisely and avoid mistakes in investment management. Training is carried out using presentation methods, question and answer sessions, and discussions to facilitate understanding and absorption of the material provided. The main focus of the training is to provide guidance on how to make good investments, especially regarding stock investments in the capital market. The results of the activity provide real benefits for MSEs and increase knowledge and understanding regarding investment in the capital market. The existence of the application makes it easier for participants to make investments anytime and anywhere. Participants were very enthusiastic about this activity and hoped that this activity could be held sustainably.
Pengembangan Sistem Informasi Manajemen Finance Berbasis Web pada PT. Mitra Tehno Gemilang Muslim, Ade; Hadikristanto, Wahyu Hadikristanto; Wiyatno, Tri Ngudi; Nurastuti, Preatmi; Pradini, Purnama Sakhrial
Jurnal SIGMA Vol 16 No 1 (2025): Juni 2025
Publisher : Teknik Informatika, Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/sigma.v16i1.6047

Abstract

Penelitian ini berfokus pada pengembangan sistem informasi manajemen keuangan berbasis web di PT. Mitra Tehno Gemilang untuk mengatasi permasalahan dalam pengelolaan dokumen transaksi. Permasalahan utama yang diidentifikasi meliputi penyimpanan dokumen yang tidak terorganisir, kesalahan entri data, dan kesulitan dalam melacak status dokumen. Tujuan dari penelitian ini adalah merancang dan mengimplementasikan sistem yang dapat meningkatkan pengorganisasian dokumen, meminimalkan kesalahan, dan mempercepat proses transaksi. Metodologi yang digunakan meliputi analisis kebutuhan, perancangan sistem, implementasi, dan pengujian. Sistem dikembangkan menggunakan PHP, Bootstrap, JavaScript, dan MySQL sebagai basis data. Hasil pengujian menunjukkan bahwa sistem dapat meningkatkan pengorganisasian dokumen, mempercepat proses transaksi, dan mempermudah pelacakan. Sistem yang dikembangkan meningkatkan efisiensi dan mendukung pengambilan keputusan yang lebih baik. Rekomendasi pengembangan ke depan mencakup integrasi dengan sistem lain, penambahan fitur analisis data, peningkatan desain antarmuka pengguna, dan penguatan keamanan data.
Analysis of Risk Tolerance, Overconfidence, Loss Aversion, and Herd Behavior on Investment Decisions Mediated by Financial Literacy Nurastuti, Preatmi; Rakhmat, Adrianna Syariefur; Madiyoh, Abdulhakim
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 6 (2025): JIAKES Edisi Desember 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i6.4680

Abstract

This study examines the influence of risk tolerance, overconfidence, loss aversion, and herd behavior on investment decisions mediated by financial literacy. The conceptual framework is based on behavioral finance, prospect, and planned behavior theories. Data were collected from 256 university students who participated in this study. The research instrument was a structured questionnaire designed to measure risk tolerance, overconfidence, loss aversion, herd behavior, financial literacy, and obtain information related to respondents’ investment decisions. After the primary data were collected, SmartPLS analysis was conducted to generate a feasible model. PLS-SEM analysis determined its validity and reliability. Two sub-models were also used: a measurement model (outer model) and a structural model (inner model), both of which play a crucial role in understanding the interactions between the variables in the study. The main finding of this study is that risk tolerance, overconfidence, and loss aversion significantly influence investment decisions, both directly and indirectly through financial literacy as a mediating variable, thereby confirming the four proposed hypotheses. This study shows that the level of risk tolerance, overconfidence, loss aversion, and group behavior partially increase their role in shaping investment preferences and decisions when mediated by financial literacy.
Co-Authors Adrianna Syariefur Rakhmat Ayu Wulandari el Muiz, Najmi Tsania Fahamsyah, Mohammad Hatta Hadikristanto, Wahyu Hadikristanto Herni Kurniawati Istiqomah, Anisah Kustina, Lisa Madiyoh, Abdulhakim Meli Andriyani Muhammad Hamdan 'Ainulyaqin MUHAMMAD KOSIM, MUHAMMAD Musiega, Maniagi Muslim, Ade Nurjanah, Rina Pradini, Purnama Sakhrial Rasyiddin, Ahmad Rukoyah, Siti Sunita Dasman Suryawan, Noviadi Tri Ngudi Wiyatno WIDIASTUTI - Wijaya, Cahyadi Wulandari, Dian Sulistyorini Yulianti, Vista