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All Journal Jurnal Riset Mahasiswa Akuntansi (JRMA) Syntax Literate: Jurnal Ilmiah Indonesia EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Suluah Komunitas Krigan: Journal of Management and Sharia Business
Maresti, Dwila
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pendampingan Pencatatan Pembukuan Laporan Keuangan Sederhana Pada Kelompok Usaha Dan Masyarakat Di Kota Payakumbuah, Provinsi Sumatera Barat Maresti, Dwila
Jurnal Suluah Komunitas Vol 4, No 1 (2023): Jurnal Suluah Komunitas
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/00973638

Abstract

This study aims to determine the application of financial records on small and medium business units, to understand the basics and procedures for carrying out simple records and bookkeeping and be able to make financial reports. Tigo Koto Diateh Village is a village in the North Payakumbuh District. The majority of the population in this area work as workers, but the rest of the population are small business actors. However, the increase in business actors was not accompanied by developments in the financial aspect. This is due to the lack of motivation from business actors and the lack of ability of business actors to manage their business finances. Based on observations made by the service team regarding the level of understanding of the training participants, that 80% of the service participants understood the importance of keeping records and simple bookkeeping.
Literasi Keuangan, Transformasi Digital dan Perilaku Konsumtif: Perspektif Gender Riza, Sri Wahyuni; Maresti, Dwila
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i9.61766

Abstract

This study aims to examine the impact of digital transformation on individual/community consumer behavior, with financial literacy as a moderator. This study will use a descriptive quantitative approach that explains the research results in the form of numbers narratively. The data collection technique through digital platforms to reach a sample of 100 with a total target population of 150 respondents. The sample criteria are individuals/communities who use digital platforms in their financial transactions, especially buying and selling transactions, with an age limit of 17 to 65 years. The results of the study generally indicate that digital platforms have a significant positive effect on consumer behavior, which is dominated by women. However, women who have financial literacy in terms of financial management experience prefer to prioritize their primary needs in their consumer practices amidst offers of attractive facilities and convenience in purchasing transactions. This means that financial literacy moderates consumer behavior, thus having a significant negative effect. The implications of the study emphasize strengthening financial literacy through a digital-based educational and regulatory approach. This will increase individual and community awareness in self-control to spend their money more effectively and efficiently.
Implementasi Akad Rahn Tasjily Di Pegadaian Syariah: Kepatuhan Syariah, Manajemen Risiko, Dan Strategi Peningkatan Pemasaran (Studi Kasus UPS Manggis Ganting, Bukittinggi) Syarifah Zuhra; Wafiq, Muhammad; Maresti, Dwila
Krigan: Journal of Management and Sharia Business Vol. 3 No. 1 (2025): Juni 2025
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v3i1.9369

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan akad Rahn Tasjily di Pegadaian Syariah UPS Manggis Ganting, Bukittinggi, dengan fokus pada tiga aspek utama: kepatuhan syariah, efektivitas strategi pemasaran, dan manajemen risiko. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa wawancara mendalam, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa secara prosedural, akad Rahn Tasjily telah sesuai dengan fatwa DSN-MUI, namun dalam pelaksanaannya masih ditemukan kendala, seperti keterlambatan pembayaran, kompleksitas dokumen, dan kurangnya pemahaman masyarakat terhadap produk. Strategi pemasaran yang digunakan masih bersifat konvensional dan belum maksimal dalam menjangkau masyarakat, terutama pelaku UMKM. Sementara itu, risiko utama dalam implementasi produk ini meliputi risiko informasi, risiko operasional, dan risiko reputasi yang disebabkan oleh keterbatasan tenaga pemasaran dan minimnya fasilitas promosi. Penelitian ini merekomendasikan penguatan edukasi publik, optimalisasi digital marketing, serta perbaikan sistem manajemen risiko untuk meningkatkan aksesibilitas dan keberlanjutan produk Rahn Tasjily sebagai alternatif pembiayaan syariah yang adil dan transparan. Temuan ini diharapkan dapat memperkaya kajian akademik dan praktik pengembangan produk keuangan syariah di daerah.
Pengaruh Laba Akuntansi, Arus Kas, Dan Return On Asset Terhadap Harga Saham (Studi Pada Perusahaan Industri Kesehatan yang Terdaftar di BEI Periode 2019–2022) Maresti, Dwila; Pertiwi, Nesia Indah; Zuhra, Syarifah
Jurnal Riset Mahasiswa Akuntansi Vol. 13 No. 2 (2025): JURNAL RISET MAHASISWA AKUNTANSI VOLUME 13 NOMOR 2 TAHUN 2025
Publisher : Fakultas Ekonomika dan Bisnis Universitas PGRI Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jrma.v13i2.13064

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh laba akuntansi, arus kas, dan return on asset (ROA) terhadap harga saham perusahaan sektor industri kesehatan yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2019–2022. Sampel terdiri dari tiga belas (13) perusahaan yang memenuhi kriteria purposive sampling. Teknik analisis data yang digunakan adalah regresi linear berganda dengan uji asumsi klasik. Hasil penelitian menunjukkan bahwa secara simultan ketiga variabel independen berpengaruh signifikan terhadap harga saham. Secara parsial, laba akuntansi berpengaruh negatif signifikan terhadap harga saham, arus kas tidak berpengaruh signifikan terhadap harga saham, dan ROA berpengaruh positif signifikan terhadap harga saham.
Pengaruh Cashless Society Dan E-Wallet Terhadap Perilaku Konsumtif Mahasiswa Rahmi, Restu Aulia; Maresti, Dwila; Zuhra, Syarifah
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 2 (2025): November 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i2.8388

Abstract

This study aims to analyze the influence of cashless society and e-wallets on the consumptive behavior of students at Mohammad Natsir University Bukittinggi. The research method used a quantitative approach with a survey technique on 70 respondents selected by purposive sampling. Data were analyzed using validity tests, reliability tests, classical assumption tests, and multiple linear regression. The results show that e-wallets have a positive and significant effect on consumptive behavior (β = 1.059; p = 0.000), while cashless society shows a significant negative influence (β = -0.306; p = 0.008). Simultaneously, both variables explain 69.8% of the variation in consumptive behavior (Adj. R² = 0.698). These findings indicate that e-wallet features such as cashback and ease of transaction are the main triggers of consumptive behavior, while a comprehensive understanding of the cashless system can act as a controller. This study recommends the importance of digital financial literacy and more responsible e-wallet design.
Co-Authors Pertiwi, Nesia Indah Rahmi, Restu Aulia Riza, Sri Wahyuni Syarifah Zuhra Wafiq, Muhammad Zuhra, Syarifah