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All Journal JURNAL BISNIS STRATEGI Shirkah: Journal of Economics and Business Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam BISNIS : Jurnal Bisnis dan Manajemen Islam
Andriasari, Widi Savitri
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS PENGARUH KEBIJAKAN HUTANG, PERTUMBUHAN PENJUALAN( GROWTH SALES) DAN DENGAN RETURN ON EQUITY Andriasari, Widi Savitri; Mawardi, Miyasto Wisnu
JURNAL BISNIS STRATEGI Vol 25, No 2 (2016): Desember
Publisher : Magister Manajemen, Fakultas Ekonomika dan Bisnis Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (533.584 KB) | DOI: 10.14710/jbs.25.2.135-151

Abstract

Stock return is the result of profit or loss obtained from a stock investment.This study aimed to examine the effects of Debt Policy, Sales Growth (GS), and Return on Assets (ROA) to Stock Return used Return on Equity (ROE) as an intervening variable in the study of manufacture companies listed on the Stock Exchange Year 2010-2014.The population in this research is manufacturing companies listed in Indonesia Stock Exchange in accordance Indonesian Capital Market Directory (ICMD). The data used in the study is time series data and cross section (pooling data), and purposive sampling method based on the criteria mentioned above, the number of samples used as many as 32 companies. Analyze techniques using multiple regression, the classic assumption test, and Sobel test.The results of this research partially first model shows that the Debt to Equity Ratio (DER) and Sales Growth (GS) had no significant effect on Return on Equity (ROE), while Return on Assets (ROA) have a significant effect on Return on Equity (ROE) , The second model shows that the Debt to Equity Ratio (DER) and Return on Assets (ROA) no significant effect on Stock Return, whereas Sales Growth (GS) and Return on Equity (ROE) significant effect on stocks return. The results showed that simultaneous Debt to Equity Ratio (DER), Sales Growth (GS), Return on Assets (ROA) and Return on Equity (ROE) significantly affects the Stock Return
Fostering Cultural Harmony: Economic Empowerment of Ethnic Chinese within the Minangkabau Philosophical Framework in Padang City Cahya, Bayu Tri; Sukardi, Agung Slamet; Andriasari, Widi Savitri; Atieq, Muhammad Qoes; Ali, Nor Aishah Mohd
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.29021

Abstract

This study explores the intersection of cultural beliefs and spatial dynamics shaping the economic activities of the ethnic Chinese community in Padang City, focusing on their empowerment through Minangkabau traditional philosophy. The research highlights how cultural values deeply influence identity, social interactions, and economic opportunities within a pluralistic society. A qualitative ethnographic approach was used to gather insights from key community members, including Minangkabau and non-Minangkabau residents, as well as the Tungku Tigo Sajarangan, which consists of ninik mamak (tribal leaders), alim ulama (religious scholars), and cadiak pandai (intellectuals). Interviews centered on cultural and economic integration, exploring how traditional Minangkabau norms intersect with ethnic Chinese values. The research reveals that the Minangkabau traditional philosophy fosters an environment of coexistence, allowing the ethnic Chinese community to practice their cultural traditions without violating the overarching norms of "Adat Basandi Syarak, Syarak Basandi Kitabullah”. This cultural harmony supports economic engagement while respecting Confucian principles, which coexist with Minangkabau values. This study broadens the discourse on multiculturalism and economic interactions by highlighting how Minangkabau and Confucian values coexist within a shared economic and cultural space. The research provides new insights into the role of traditional philosophy in fostering economic inclusivity.
Spirituality, Organizational Commitment, and Resource Management for SDGs: Evidence from Smart Village Islamic Enterprises Supriyanto, Agus; Cahyadi , Iwan Fahri; Andriasari, Widi Savitri; Arsiyanti, Rina
Shirkah: Journal of Economics and Business Vol. 11 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v11i1.1080

Abstract

Despite the growing interest in Smart Villages, previous studies have paid limited attention to the role of spirituality in shaping business performance within Islamic organizations. This study aims to examine the influence of individual spirituality on organizational commitment, resource management, and business performance in Smart Village contexts. A quantitative design using Partial Least Squares Structural Equation Modelling (PLS-SEM) was employed, involving 135 respondents from Islamic organization-based enterprises in Kudus Regency, Indonesia. Data were collected through structured questionnaires using a five-point Likert scale and analyzed using SmartPLS 4 to assess measurement and structural models. The findings reveal that individual spirituality significantly enhances commitment to Islamic organizational networks, which in turn strengthens both tangible and intangible resource management. These resources partially mediate the relationship between organizational commitment and business performance. Tangible resources exhibit a stronger direct effect, while intangible resources contribute through trust, knowledge sharing, and social capital. The findings imply that integrating spirituality into organizational and resource management strategies can strengthen sustainable rural economic development within Smart Village ecosystems.
Kesejahteraan Maqasid Syariah: Investigasi Perilaku Keuangan Masyarakat Desa Hana, Kharis Fadlullah; Andriasari, Widi Savitri
BISNIS Vol 11, No 2 (2023): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v11i2.23217

Abstract

Indonesia is a country with the largest Muslim population in the world with different tribes and ethnicities. This makes local traditions still very strong, resulting in different financial behaviors of the community. However, Indonesia's society is ranked highest globally in online gambling because it has not been able to control its financial behavior. The purpose of this study was to investigate the factors that influence the welfare of rural Muslim communities through financial behavior, financial attitudes, biases and financial decisions. The research method used is a mix method with a constructivism paradigm. The respondents of this study were 307 from various levels of society in various villages. The researcher conducted an analysis through SEM SmartPLS by testing the predictions of welfare theory in the perspective of maqasid sharia. The results showed that it was proven that community welfare in terms of maqasid sharia was directly influenced by financial behavior, attitudes and biases. However, indirectly through financial decisions the hypothesis in this study was rejected. As the highest indicator of each variable, respondents felt the need to set aside funds for investment, were aware of the importance of financial planning, and the occurrence of illusion of control bias in financial decision making. This means that on average respondents felt they had the ability to control their finances. In fact, such attitudes are indications experienced by gamblers. This shows that the indicator of speculation is a fairly dominant attitude possessed by the average respondent. This research recommendation needs to provide in-depth financial bias behavior education to the community in order to foster awareness to receive information comprehensively and minimize feelings of being able to control financial events.
Analisis Rasio CAMEL (Capital, Asset, Management, Earnings, Equity dan Liquidity) pada Tingkat Kesehatan Bank (Studi Kasus BRI Syariah Periode 2018-2019) Andriasari, Widi Savitri; Munawaroh, Siti Ummi
BISNIS Vol 8, No 2 (2020): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v8i2.8795

Abstract

This study aims to determine the results of the CAMEL ratio analysis (Capital, Asset Quality, Management, Earnings and Liquidity) at the soundness level of a Sharia BRI Bank for the period 2018-2019. The soundness level of a bank is an assessment conducted by the OJK for each bank to determine whether the bank is in good health or not. Regulations regarding the assessment of the level of health at commercial banks are contained in Bank Indonesia Regulation Number 13/1/PBI/2011 and Financial Services Authority Regulation Number 8/POJK.03/2014 and Financial Services Authority Regulation Number 4/POJK.03/2016. This type of research is a descriptive study with a quantitative approach. Descriptive research method is the method used to describe the research results by analyzing data from financial statement sources. While the quantitative research method is a study that uses data in the form of numbers as a means of analyzing and calculating. For this reason, the source of data needed in this study is secondary data which is the financial statements of a Sharia BRI Bank for the period 2018-2019. Through the data source in the form of financial reports can find out the soundness level of BRI Syariah Bank in 2018-2019 by calculating and analyzing the CAMEL ratio.
Analisis Kinerja Keuangan Pelaku Usaha pada UD Al Qudsy Manggis andriasari, widi savitri; Aziz, Ahmad Syifaul; Nurjannah, Siti Lailatu; Febriana, Nia Monica; Safitri, Peni
BISNIS Vol 9, No 2 (2021): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v9i2.12038

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana kinerja keuangan menggunakan Rasio Likuiditas dan Rasio Profitabilitas pada UD AL-Qudsy Manggis. Pendekatan dalam penelitian yang mengunakan penelitian deskriptif dengan menggunakan data kuantitatif. Teknik pengumpulan data penelitian mengunakan studi dokumentasi. Dari hasil penelitian yang dilakukan menunjukan bahwa rasio profitabilitas yaitu pada tahun 2018 sampai 2020 dengan nilai Net Profit Margin (NPM) sebesar 50,23% Sangat Baik. Sedangkan rasio likuiditas ditunjukkan dengan nilai Current Ratio rata-rata 2018-2020 sebesar 274,52% menunjukkan Sangat Baik, dan Quick Ratio sebesar 260,68% Sangat Baik. Current ratio selama tiga tahun merupakan nilai yang sudah mencapai Standar Perusahaan dagang. Hal tersebut menunjukan perusahaan mampu dan dapat membayar hutang lancarnya dengan aktiva lancar dan kas yang tersedia di perusahaan Al-Qudsy Manggis. Dari segi profitabilitasnya yaitu return on investment (ROI) 46,30% di nilai baik karena nilainya sudah mencapai Standar, sedangkan return on equity (ROE) pada tahun 2020 mengalami puncak dan dikatakan sangat baik karena nilainya melebihi Standar yaitu 60,91% nilai tersebut tidak signifikan karena rata-rata (ROE) 2018-2020 adalah 60,84%. Dilihat dari indikator tersebut kinerja keuangan dengan berdasarkan pada Keputusan Menteri Negara Koperasi dan Usaha Kecil dan Menengah tentang (UMK) UU No.14 Tahun 2009 dapat disimpulkan bahwa tingkat profitabilitas UD Al-Qudsy Manggis dalam kategori sangat baik karena nilai indicator diatas standartnya. Kemampuan dalam menghasilkan laba perusahan dengan modal perusahaan sendiri yang diinvestasikan kedalam usahanya sangat tinggi serta kemampuan yang dimiliki perusahaan dalam menghasilkan laba perusahaan sudah maksimal.
Co-Authors Agus Supriyanto Ali, Nor Aishah Mohd Arsiyanti, Rina Atieq, Muhammad Qoes Aziz, Ahmad Syifaul Bayu Tri Cahya Cahyadi , Iwan Fahri Febriana, Nia Monica Hana, Kharis Fadlullah Mawardi, Miyasto Wisnu Munawaroh, Siti Ummi Nurjannah, Siti Lailatu Safitri, Peni Sukardi, Agung Slamet