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All Journal Jurnal Kajian Manajemen Bisnis EKONOMIS : Journal of Economics and Business JURNAL PENDIDIKAN TAMBUSAI Global Conference Index Jambura Health and Sport Journal SULTANIST: Jurnal Manajemen dan Keuangan Jurnal Ekonomi Manajemen Sistem Informasi Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) Management Studies and Entrepreneurship Journal (MSEJ) Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Jurnal Ecogen Jurnal Kajian Manajemen dan Wirausaha Jurnal Pengabdian kepada Masyarakat Nusantara Ilomata International Journal of Management Jurnal Manajemen Bisnis dan Keuangan Jurnal Abdimas Indonesia : Jurnal Abdimas Indonesia Operations Management and Information System Studies Jurnal Ipteks Terapan : research of applied science and education International Journal of Islamic Studies Higher Education Financial Management Studies Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Economics and Management Research
Rosyeni Rasyid
Universitas Negeri Padang
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Pemeringkatan Kinerja Keuangan Perbankan di Indonesia Menggunakan Metode TOPSIS Berbasis Entropi Dwiyanto, Riski; Rasyid, Rosyeni
Jurnal Manajemen Bisnis dan Keuangan Vol 6 No 2 (2025): Oktober 2025
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v6i2.349

Abstract

Accurate and objective assessment of banking financial performance is crucial in promoting transparency and accountability within the financial sector. Traditionally, bank performance evaluations have focused on conventional financial indicators that do not fully capture actual cash dynamics. This study aims to rank the financial performance of Indonesian banks based on cash flow ratios using the entropy-based TOPSIS method. Eight cash flow ratios covering liquidity, operational efficiency, financial structure, and profitability aspects are employed as the evaluation criteria. The entropy method is applied to determine the objective weights of each criterion based on data variability, while TOPSIS is used to rank the banks according to their relative closeness to the ideal solution. The findings reveal that the ratio weights vary from year to year, reflecting the dynamic nature of financial information across periods. These changes significantly affect bank rankings, indicating that cash performance tends to fluctuate. The results confirm that the entropy-based TOPSIS method is effective in providing an objective and adaptive ranking system that reflects actual financial conditions. Honesty and the protection of consumer rights contribute to long-term relationships between businesses and customers. This research also aims to explore the application of Islamic business ethics in marketing, focusing on halal products, fair pricing, and ethical promotion. Using a qualitative literature review approach, the study analyzes how integrating Sharia principles into marketing practices can enhance market relevance, build consumer trust, and foster sustainable business growth in a diverse global context. The findings offer strategic insights for marketers seeking to engage ethically and effectively with predominantly Muslim markets.
Pengaruh Behavioral Finance terhadap Keputusan Penggunaan Hutang Pada Usaha Mikro dan Kecil di Kota Padang Ananda, Claudia Putri; Rasyid, Rosyeni
Jurnal Pendidikan Tambusai Vol. 8 No. 3 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Studi ini bertujuan untuk menganalisis bagaimana keputusan berutang yang dibuat oleh usaha mikro dan kecil di Kota Padang dipengaruhi oleh perilaku keuangan. Studi ini memfokuskan pada usaha mikro dan kecil (UMK) di Kota Padang. Teknik purposive sampling juga digunakan untuk menemukan kelompok penelitian yang menghasilkan 108 sampel. Data awal penelitian berasal dari kuesioner online dan offline. Selama proses analisis data, alat analisis SmartPLS. Hasil analisis data menunjukkan bahwa (1) Overconfidence tidak berpengaruh terhadap Keputusan Hutang, (2) Availability tidak berpengaruh terhadap Keputusan Hutang, (3) Illusion of control tidak berpengaruh terhadap Keputusan Hutang, dan (4) Excessive Optimism tidak berpengaruh terhadap Keputusan Hutang.
THE INFLUENCE OF BRAND IMAGE, SOCIAL INFLUENCE AND PRODUCT PRICE WITH TRUST AS MEDIATING VARIABLES ON THE PURCHASE INTENTION OF 'RAJA DIMSUM' CULINARY MSMES IN GENERATION Z IN PADANG CITY: PENGARUH BRAND IMAGE, SOCIAL INFLUENCE DAN PRODUCT PRICE DENGAN TRUST SEBAGAI VARIABEL MEDIASI TERHADAP PURCHASE INTENTION UMKM KULINER ‘RAJA DIMSUM’ PADA GENERASI Z DI KOTA PADANG Putri Yasmin Al Adawiyyah; Rosyeni Rasyid
Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) Vol 8 No 2 (2024): SANTHET: (JURNAL SEJARAH, PENDIDIKAN DAN HUMANIORA) 
Publisher : Proram studi pendidikan Sejarah Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/santhet.v8i2.4931

Abstract

The large number of culinary industry MSMEs that are developing at this time does not guarantee to avoid problems that affect their growth. Likewise, what was passed by “Raja Dimsum”, Culinary MSMEs which had several obstacles when running their business. This study aims to determine the effect of Brand Image, Social Influence and Product Price on Purchase Intention of UMKM Culinary 'Raja Dimsum' in Generation Z in Padang City. This research sampling technique with certain criteria. The research participants totaled 170 respondents who were selected as samples. Data were collected through online questionnaire distribution and then analyzed using SmartPLS 3.0 software. The results of this study reveal that (1) brand image has no direct effect on purchase intention, (2) social influence has a significant positive effect on purchase intention, (3) product price has a significant positive effect on purchase intention, (4) trust has a significant positive effect on purchase intention, (5) brand image has no direct effect on trust, (6) social influence has a significant positive effect on trust (7) product price has a significant positive effect on trust (8) brand image has no effect on purchase intention mediated by trust (9) social influence has a significant positive effect on purchase intention mediated by trust (10) product price has a significant positive effect on purchase intention mediated by trust.
The Effect of Financial Risk, Product Risk, and Security Risk on Online Purchase Intention With Trust As A Medi-ating Variable For Make Over Cosmetic Products Purchased Online on Lazada Nadya Afryani Dunggio; Rosyeni Rasyid
International Journal of Economics and Management Research Vol. 3 No. 2 (2024): August: International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v3i2.563

Abstract

This study aims to examine the influence of financial risk, product risk, and security risk on online purchase intention, with trust serving as a mediating variable, in the context of Make Over cosmetic products purchased through the Lazada e-commerce platform. Online shopping continues to grow rapidly in Indonesia, particularly in the beauty and cosmetic industry, which has become one of the most competitive sectors. However, despite its growth, consumers often face various risks when purchasing products online, such as concerns about financial security, product authenticity, and the protection of personal data. These perceived risks may hinder consumers’ willingness to make online purchases unless mitigated by trust in the platform and the brand. The research applies a quantitative method with a survey approach, utilizing a structured questionnaire distributed to 170 respondents who had purchased Make Over products via Lazada. Respondents were selected using purposive sampling to ensure relevance to the study’s objectives. Data analysis was carried out using Structural Equation Modeling (SEM) with SmartPLS software to test the hypothesized relationships between variables. The findings indicate that financial risk and product risk have a significant negative effect on consumer trust, while security risk does not show a significant influence. Furthermore, trust is demonstrated to have a strong and significant impact on online purchase intention. Trust also mediates the relationship between financial risk, product risk, and security risk with purchase intention, highlighting its crucial role as an intermediary factor. This research contributes to the literature on online consumer behavior by providing empirical evidence of the mediating role of trust in reducing perceived risk. Practically, the findings emphasize that cosmetic brands and e-commerce platforms need to enhance consumer trust by ensuring transparent product information, secure payment systems, and reliable service. Strengthening trust not only reduces risk perception but also encourages higher online purchase intention, which is essential for sustaining competitiveness in the digital marketplace.
Meningkatkan Kinerja Pemasaran Ritel Tradisional melalui Innovation Capability dan Competitive Advantage Anggraini, Dewi; Yasri, Yasri; Rasyid, Rosyeni
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.2248

Abstract

This study aims to analyze the influence of innovation capability and competitive advantage on the marketing performance of grocery stores. The research method used is quantitative, by distributing questionnaires containing statements from each variable to 43 grocery store owners in Padang City. Data processing using multiple linear regression analysis. The results of this study reveal that innovation capability and competitive advantage have a positive and significant effect on the marketing performance of grocery stores in Padang City.
Cicular Economy Pengolahan Sampah Linda, Muthia Roza; Fitria, Yuki; Sarianti, Rini; Zulvia, Yolandafitri; Zona, Mega Asri; Syahrizal, Syahrizal; Rasyid, Rosyeni; Engriani, Yunita; Yonita, Riza
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 4 (2025): Edisi Oktober - Desember
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i4.7266

Abstract

Kegiatan pengabdian kepada masyarakat bertujuan untuk meningkatkan pemahaman dan kapasitas UMKM mengenai prinsip-prinsip circular economy, mengurangi limbah, memproduksi limbah menjadi produk baru dan menciptakan peluang bisnis baru. Data Dinas Lingkungan Hidup, Kabupaten Agam menghasilkan sampah 58.559 ton per tahun dimana baru 24,81% dapat dikelola. Untuk meningkatkan jumlah sampah yang dapat dikelola oleh pemerintah Kabupaten Agam dan Masyarakat melalui UMKM sebagai salah satu sektor yang memproduksi sampah, maka perlu dilakukan kegiatan mengenai pengelolaan sampah guna tercapainya tujuan pembangunan berkelanjutan (SDG’s goal) pada tujuan konsumsi dan produksi yang bertanggung jawab dalam bentuk pengenalan konsep circular economy kepada pelaku UMKM. Permasalahan utama dalam kegiatan circular economy ini adalah rendahnya pemahaman UMKM mengenai konsep ekonomi sirkular dan pengelolaan sampah berkelanjutan, serta terbatasnya pelatihan pemanfaatan limbah sebagai bahan baku produk olahan. Kegiatan pengabdian dilaksanakan melalui edukasi, sosialisasi, dan pelatihan pengolahan sampah dengan target capaian: (1) peningkatan pemahaman minimal 50% pada 80% peserta melalui pre-test dan post-test; (2) penerapan konsep circular economy oleh 30% peserta dalam tiga bulan setelah pelatihan; dan (3) terciptanya minimal lima produk olahan sampah oleh UMKM. Program ini diharapkan dapat memberdayakan UMKM agar lebih berkelanjutan, inovatif, dan ramah lingkungan, serta menjadi agen perubahan dalam mewujudkan ekonomi sirkular di tingkat lokal maupun nasional
Peningkatan Kapasitas Pemasaran Online dan Desain Merek Produk Batik Eco Print Dwita, Vidyarini; Masdupi, Erni; Rasyid, Rosyeni; Abror, Abror; Patrisia, Dina; Gusti, Mia Ayu
Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Vol 25, No 3 (2025): Suluah Bendang: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/sb.06780

Abstract

Kegiatan Pengabdian Nagari Matua Hilia dilaksanakan sebagai upaya meningkatkan kapasitas ibu-ibu PKK dalam memasarkan produk batik eco print. Topik ini dipilih karena produk batik eco print memiliki potensi ekonomi tinggi, namun pemasarannya masih terbatas sehingga belum optimal meningkatkan kesejahteraan masyarakat. Metode pengabdian dilakukan melalui pelatihan pemasaran online, pendampingan desain merek, serta bimbingan usaha agar mitra memiliki keterampilan praktis dan strategi pemasaran yang lebih efektif. Hasil kegiatan menunjukkan bahwa persepsi dan niat menggunakan pemasaran online berada pada kategori baik, menandakan adanya penerimaan yang positif terhadap teknologi pemasaran digital. Namun, kemampuan mendesain merek dan praktik pemasaran masih perlu diperkuat agar daya saing produk meningkat. Secara umum, program ini memberikan dampak positif terhadap kesiapan dan motivasi mitra dalam mengembangkan usaha batik eco print. Kesimpulannya, penguatan kapasitas melalui pelatihan dan pendampingan terbukti penting dalam mendorong kemandirian ekonomi masyarakat. Keberlanjutan program memerlukan dukungan lanjutan agar hasil yang dicapai dapat berkembang secara konsisten.
Analisis Tren Investasi: Perbandingan Risk and Return pada Bitcoin, Saham, dan Emas Yogama Prima; Rosyeni Rasyid
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): 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.v6i4.9111

Abstract

Penelitian ini bertujuan untuk menganalisis perbedaan return dan risk pada instrumen investasi Bitcoin, saham LQ45, dan emas. Hasil penelitian menunjukkan bahwa instrumen dengan return tertinggi adalah Bitcoin, diikuti emas, dan kemudian saham LQ45. Sementara itu, instrumen dengan risiko terkecil adalah emas, diikuti saham LQ45, dan terakhir Bitcoin. Analisis menggunakan metode Sharpe memperlihatkan adanya perbedaan signifikan di antara ketiga instrumen tersebut. Dari segi strategi investasi, Bitcoin lebih sesuai dengan strategi pasif berupa buy and hold, saham LQ45 cocok dengan strategi aktif berupa strategi momentum harga, sedangkan emas tepat digunakan dengan strategi pasif buy and hold sebagai instrumen lindung nilai (hedging) atau safe haven. Temuan ini memberikan gambaran bagi investor dalam menentukan pilihan instrumen dan strategi investasi yang sesuai dengan profil risiko masing-masing.
ANALYSIS OF THE STRUCTURAL DEVELOPMENT AND PERFORMANCE OF THE FOOD, BEVERAGE, AND TOBACCO PROCESSING INDUSTRY IN KUPANG CITY (2021–2024) Pereira, Lino; Yasri, Yasri; Rasyid, Rosyeni
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 14 No. 1S (2026): (International Conference ICEBEMA Dr. Soetomo University and ICEBesMA Prima I
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v14i1S.815

Abstract

The development of the food, beverage, and tobacco processing industry represents a key indicator of regional economic dynamics. This study examines changes in industrial structure and performance in Kupang City during the 2021–2024 period. The research population consists of all 1,913 processing industry business units operating in Kupang City, employing a total of 5,616 workers. A census approach was applied to analyze the entire population. Secondary data were obtained from official publications of Statistics Indonesia (BPS), the Ministry of Industry, and regional economic reports. Data analysis employed a quantitative descriptive method using trend analysis, tables, graphical illustrations, and annual growth rate calculations. The findings indicate a substantial increase in the number of enterprises from 1,107 units in 2021 to 1,913 units in 2024, with the most pronounced expansion occurring in 2023. Employment absorption rose from 3,260 to 5,616 workers over the same period. Investment value reached IDR 148.56 billion, while production value amounted to IDR 164.69 billion, reflecting strengthened production capacity and heightened investor confidence. Sectoral growth was driven by supportive government policies, MSME expansion, technological adoption, and rising market demand, although constraints related to raw material availability and infrastructure remain. These results provide empirical evidence to support local government strategies aimed at reinforcing the processing industry in the future. Keywords: processing industry; industrial structure; industrial performance; economic growth; Kupang City.
Analisis Moderasi Leverage Terhadap Pengaruh Risiko Keuangan pada ROE Perbankan di BEI Afifah Oktavia; Rosyeni Rasyid
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.8306

Abstract

This study examines the impact of financial risks—namely credit risk (Non-Performing Loan/NPL), liquidity risk (Loan to Deposit Ratio/LDR), and market risk (Net Interest Margin/NIM)—on financial performance measured by Return on Equity (ROE) among banks listed on the Indonesia Stock Exchange (IDX). Additionally, it investigates the moderating role of leverage (Debt to Equity Ratio/DER) on the relationship between financial risks and financial performance. The methodology employed is panel data regression using the Random Effect Model (REM) and Moderated Regression Analysis (MRA). The results reveal that liquidity risk (LDR) has a significant negative effect on ROE, while market risk (NIM) has a positive and significant effect, and credit risk (NPL) does not exhibit a significant partial effect on ROE. Leverage significantly moderates the negative effect of liquidity risk on ROE but does not moderate the effects of credit risk and market risk on ROE These findings underscore the importance of liquidity management and capital structure in maintaining bank profitability amid dynamic financial risks. Furthermore, the low coefficient of determination suggests the need for further research incorporating additional variables such as banking digitalization and macroeconomic factors to gain a more comprehensive understanding of the determinants of financial performance in Indonesian banks.
Co-Authors Abel Tasman Abror Abror Afif Reyhan Fauzi Afifah Oktavia Ananda, Claudia Putri Bustari Muchtar Dela Khoiriyah Deni Suwandhani Dewi Anggraini Dilla Ramadani Dinda Suchi Wulandari Dwita, Vidyarini Dwiyanto, Riski Erni Masdupi Fellicia Novita Fitra Jufriadi Fitra, Halkadri HELMALIA HELMALIA, HELMALIA Jihan Nada Hanifah Jon Kenedi Lino Pereira Lino Pereira, Lino Mawaddah, Agnita Putri Mega Asri Zona Mia Ayu Gusti Mulyani, Gita Sri Muthia Roza Linda, Muthia Roza Nadya Afryani Dunggio Neswardi, Sepri Patrisia, Dina Perengki Susanto Putra, Riki Wanda Putri Purnama Sari Putri Yasmin Al Adawiyyah Putri, Ariza Rahmat Hamulian Rahmiati Rahmiati Rahmiati Rahmiati Ramel Yanuarta Ravelby, Thesa Alif Riki Wanda Putra Rina Supryanita Rini Sarianti Risdayani Risdayani Risdayani, Risdayani Riza Yonita Rizki Adythia Erjon SINDI OKTAVIA Suarni, Nora Suhery Suhery Supryanita, Rina Syamsul Amar Tika, Tika Misla Wahyuni Timuria, Ika Putriana Tomi Charles Wahyuni, Nina Warzukni, Asyifa Weni Andriani Eka Putri Wesa Anggraini Yanuarta RE, Ramel Yasri Yasri, Yasri Yasril Yunus Yogama Prima Yolandafitri Zulvia Yonita, Riza Youlandari, Tisya Pretty Yuki Fitria Yunita Engriani