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Utami, Ayu Putri
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DIVIDEND INVESTING STRATEGY: STUDI KASUS PADA BURSA EFEK INDONESIA Samudra, Suryadi; Farid, Erwan Sastrawan; Risendy, Rian; Andriani, Nini; Utami, Ayu Putri; Ali, Muhammad Haikhal
Jurnal Akuntansi Dan Bisnis Indonesia (JABISI) Vol 5 No 2 (2024): Jurnal Akuntansi Dan Bisnis Indonesia (JABISI)
Publisher : Program Studi Akuntansi Institut Bisnis dan Informatika (IBI) Kosgoro 1957

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55122/jabisi.v5i2.1527

Abstract

Penelitian ini bertujuan untuk melihat kinerja strategi dividend investing pada pasar modal Indonesia. Strategi ini adalah berinvestasi pada saham-saham yang menawarkan dividen dalam jumlah besar kepada para pemegang saham. Sampel yang digunakan adalah saham-saham yang ter indeks pada indeks IDXHIDIV20 dari tahun 2020 sampai dengan tahun 2023. Jenis penelitian yang digunakan adalah penelitian deskriptif kuantitatif untuk menjelaskan kinerja strategi dividend investing pada pasar modal Indonesia dan membandingkan dengan return pasar IHSG. Hasil penelitian ini menunjukkan bahwa strategi dividend investing mampu mengungguli return pasar baik secara tahunan maupun kumulatif selama periode penelitian.
Impact of FED Interest Rate and Inflation Rate on Indonesian Sharia Stock Index: Moderating Role of Bank Indonesia's Interest Rate Azis R, Abdul; Utami, Ayu Putri; Karim, Sitti Aminah Hamzah; Andriani, Nini
International Journal of Multidisciplinary Approach Research and Science Том 3 № 01 (2025): International Journal of Multidisciplinary Approach Research and Science
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/ijmars.v3i01.1278

Abstract

This study aims to analyze the effect of The FED interest rate on ISSI, analyze the effect of the inflation rate on ISSI, and test the role of BI Rate moderation in the relationship. The approach applied in this study is quantitative, with descriptive analysis to describe data characteristics and model testing using the Smart PLS application to answer the hypothesis. This study uses secondary data in the form of monthly data covering the Indonesian Sharia Stock Index (ISSI) obtained from the official website of the Indonesia Stock Exchange (www.idx.co.id), The FED interest rate accessed via www.investing.com, and Inflation and BI Rate data taken from the Bank Indonesia website (www.bi.go.id), with a time span from 2014 to 2023. The results of the study indicate that The FED interest rate has a significant positive effect on the Indonesian Sharia Stock Index (ISSI). However, the BI Rate failed to moderate this effect. Inflation also showed a significant positive effect on ISSI, but the BI Rate was unable to moderate the effect of Inflation on ISSI. In addition, the BI Rate has been shown to have a significant negative impact on ISSI, where an increase in the BI Rate tends to reduce the attractiveness of sharia stocks.
The Effect of Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Current Ratio (CR) on Return on Assets (ROA) in Property Companies Listed on the Indonesia Stock Exchange in 2022-2023 Utami, Ayu Putri; Andriani, Nini; Lestari, Tri Ayu; Fitrisam, Syarifah Aliyah; Iskandar, Rizkiani; Luneto, Abdul Razik
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Publisher : Indonesian Journal Of Economy Studies

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

Abstract

This study aims to determine the effect of Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Current Ratio (CR) on Return on Assets (ROA) in Property Companies Listed on the Indonesia Stock Exchange in 2022-2023. This study uses a quantitative approach with secondary data obtained from the company's annual report. The population in this study were all property companies listed on the IDX. Data analysis was performed using multiple linear regression. The results of this study indicate that DER has a significant negative effect on ROA, DAR has a significant positive effect on ROA, the CR variable has no significant effect on ROA.
Financial Plan for Students who Dare to Dream Hardianto Ramadhan; Catur Budi Wicaksono; Irwan; Nini Andriani; Ayu Putri Utami
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 1: January 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i2.7421

Abstract

This article discusses the importance of financial planning for university students in Indonesia who face financial challenges in pursuing their education and dreams. With low levels of financial literacy, college students need to understand personal financial management, including budgeting, saving, and finding additional sources of income. The research shows that financial education in higher education is critical to improving students' understanding of financial management and investment, which are key elements in achieving financial independence. In addition, the research also examines the financial planning challenges faced by students and workers, as well as the role of gender in investment. The findings show that university students have an initial awareness of financial planning, but are often hampered by limited resources. Meanwhile, workers, while more knowledgeable about investments, also struggle to set aside funds due to the high cost of living. Students' self-control is better than workers, who experience more pressure. Gender-based investment findings show that men tend to be more risk-taking, while women are more conservative. Motivation and financial literacy are key factors in effective financial planning. This article emphasizes the importance of better financial education to improve financial literacy among college students, so that they can manage their finances wisely and achieve their financial goals.
The Role of Dividend Policy as Mediating the Effect of Leverage and Profitability on Stock Prices in Food and Beverage Subsector Companies Listed on the Indonesian Stock Exchange Erwan Sastrawan Farid; Haeruddin Tobigo; Ayu Putri Utami; Nini Andriani; Rian Risendy; Leni Karlina; Moh. Agus; Siti Nurhasanah Yusuf
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 1: January 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i1.7437

Abstract

Stock price fluctuations are a common phenomenon in the capital market. One of the internal factors that affect stock price fluctuations is the company's dividend distribution decision. Dividends distributed to shareholders can affect investors' perceptions of the company's value and share price. In determining the amount of dividends to be distributed, companies need to consider several factors such as leverage ratio, liquidity ratio, and profitability. The leverage ratio describes the extent to which the company uses borrowed funds. The use of high leverage can limit the company's ability to pay dividends. Conversely, low leverage provides greater financial flexibility to pay higher or consistent dividends. Leverage has a significant effect on stock price fluctuations. Companies with high leverage tend to be more risky for investors due to large interest obligations. As a result, their share prices are more volatile than companies with low leverage. In addition, high profitability indicates the company's ability to generate large profits. This allows the company to pay dividends more consistently or in large amounts. Conversely, low profitability may lead to withholding dividend payments. High profitability also supports stock price stability as it attracts investors. So it is necessary to analyse the effect of financial ratios and dividend policy on stock price volatility of food and beverage companies.
Peran Kecerdasan Buatan dalam Meningkatkan Efisiensi dan Transparansi Pasar Keuangan: The Role of Artificial Intelligence in Improving Financial Market Efficiency and Transparency Iskandar, Rizkiani; Rhamadhani, Rika Febby; Utami, Ayu Putri; Fitrisam, Syarifah Aliyah; Akbar, Muhammad
Economic and Education Journal (Ecoducation) Vol. 7 No. 1 (2025): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v7i1.1374

Abstract

Kemajuan pesat kecerdasan buatan telah memberikan dampak signifikan terhadap sektor keuangan, khususnya dalam meningkatkan efisiensi transaksi, mengoptimalkan manajemen risiko, dan memperkuat transparansi dalam sistem keuangan global. AI telah merevolusi layanan perbankan dan pasar keuangan melalui pemrosesan data yang lebih cepat dan lebih akurat, termasuk perdagangan algoritmik, deteksi penipuan, dan kepatuhan terhadap regulasi keuangan. Selain meningkatkan prediksi pasar dan mengurangi biaya operasional, AI juga meningkatkan transparansi dengan meningkatkan keandalan data dan memungkinkan kebijakan regulasi yang lebih adaptif. Namun, tantangan seperti keamanan data, risiko manipulasi pasar, dan interpretabilitas keputusan yang didorong oleh AI tetap menjadi perhatian penting. Studi ini bertujuan untuk mengeksplorasi kontribusi AI dalam meningkatkan efisiensi dan transparansi di pasar keuangan dengan menyoroti manfaat, tantangan, dan rekomendasi strategis bagi para pemangku kepentingan utama di industri keuangan. Dengan memperdalam pemahaman tentang dampak dan tantangan implementasi AI, penelitian ini bertujuan untuk memberikan wawasan berharga bagi pengembangan kebijakan dan penerapan teknologi AI di sektor keuangan.
Pengaruh Debt to Equity Ratio (DER), Return on Equity (ROE), dan Dividend Payout Ratio (DPR) terhadap Harga Saham Perusahaan Sektor Food and Beverage Tahun 2021-2024: The Effect of Debt to Equity Ratio (DER), Return on Equity (ROE), and Dividend Payout Ratio (DPR) on Stock Prices of Food and Beverage Sector Companies in 2021-2024 Putri Utami, Ayu; Andriani, Nini; Aziz , Abdul; Erwan Sastrawan Farid; Suryadi Samudra
Jurnal Kolaboratif Sains Vol. 8 No. 6: Juni 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i6.7676

Abstract

Tujuan penelitian ini adalah guna menganalisis bagaimana DER, ROE, dan DPR memengaruhi harga saham perusahaan F&B yang terdata di Bursa Efek Indonesia (BEI) antara tahun 2021 dan 2024. Analisa regresi linier berganda digunakan pada kajian ini, dan perangkat lunak SPSS v.25 digunakan untuk menganalisis data sekunder. Perusahaan F&B yang terdata di BEI dalam periode yang ditentukan membentuk populasi penelitian. Sampling purposif, yang menentukan sampel berlandaskan karakteristik khusus yang selaras dengan capaian kajian, digunakan pada proses sampling. Sebanyak 76 sampel data dihasilkan dari ukuran sampel 19 perusahaan. Berdasarkan hasil penelitian, DPR tidak mempunyai dampak substansial pada harga saham. Namun, DER dan ROE mempunyai dampak positif yang substansial. ROE yang tinggi memperlihatkan keefektivab yang kuat ketika memberikan keuntungan dari modal yang dipunyai, sementara DER yang tinggi memperlihatkan bahwasanya perusahaan lebih bergantung pada utang, yang dapat meningkatkan potensi keuntungan. Hasil ini memberi informasi berharga untuk investor serta manajemen perusahaan dalam pengambilan keputusan kebijakan keuangan dan investasi yang dapat meningkatkan kepercayaan pasar dan kinerja saham.
Digital Transformation, Capital Structure, And Liquidity: Implications For Return On Assets (ROA) Andriani, Nini; Utami, Ayu Putri; Farid, Erwan Sastrawan; Samudra, Suryadi; R, Abdul Azis
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 1 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i1.12036

Abstract

This study aims to empirically analyze the implications of digital transformation, capital structure, and liquidity on corporate financial performance. Digitalization in this study is measured through the proportion of intangible assets in the form of software, capital structure is measured through Debt to Asset Ratio (DAR) and Debt to Equity Ratio (DER), liquidity is represented by current ratio and quick ratio, while financial performance is represented by Return on Assets (ROA) ratio. The research method used is quantitative research with the help of SPSS 25 statistical software. The population is technology sector companies listed on the IDX with a total of 47 companies. The sample amounted to 17 companies, with the sampling method being purposive sampling. Data is taken from the company's financial statements for 2020-2024. The results showed that simultaneously, the variables   digital transformation, DAR, DER, current ratio, and quick ratio had a significant effect on ROA. Partially, digital transformation and quick ratio have a significant positive effect on ROA, while DAR, DER, and current ratio show a significant negative effect on ROA.
Public speaking : Kunci Softskill untuk Mahasiswa Calon Wirausaha Ibrahim, Andi Indriani; Kandolia, Destin Naftalin; Saskya, Saskya; Riski, Moh; Safitri, Suci; Utami, Ayu Putri; Andriani, Nini
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 1 (2025): Bulan September
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i1.434

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan keterampilan public speaking mahasiswa sebagai bekal penting dalam mengembangkan minat kewirausahaan. Pelatihan diikuti oleh 80 mahasiswa dari berbagai universitas dan dilaksanakan secara daring pada 11 Juli 2025 melalui platform Zoom. Program dirancang melalui tiga tahap utama, yaitu persiapan, pelaksanaan, serta evaluasi dan tindak lanjut. Materi mencakup teknik pembukaan, intonasi suara, artikulasi, penyusunan struktur presentasi, hingga penutupan persuasif, dengan metode pembelajaran interaktif yang memadukan ceramah, diskusi, studi kasus, tanya jawab, dan praktik langsung. Hasil evaluasi terhadap menunjukkan skor kepuasan terhadap materi sebesar 9,0, tingkat pemahaman 8,9, dan penilaian keseluruhan 9,2 dari skala 10, menandakan efektivitas program dalam meningkatkan pemahaman dan rasa percaya diri peserta berbicara di depan umum. Tindak lanjut berupa sesi konsultasi individu, bimbingan daring, dan pemberian sertifikat digital turut memperkuat manfaat pelatihan ini. Kegiatan ini terbukti efektif dalam mengembangkan keterampilan komunikasi mahasiswa calon wirausaha dan layak direplikasi untuk mendukung peningkatan daya saing di dunia bisnis yang kompetitif.
Digital natives and deferred payments: A qualitative study of young consumers' e-commerce BNPL behaviors Fitrisam, Syarifah Aliyah; Iradat, Muhammad Isra; Iskandar, Rizkiani; Utami, Ayu Putri; Rhamadhani, Rika Febby
Priviet Social Sciences Journal Vol. 5 No. 9 (2025): September 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i9.575

Abstract

The swift adoption of Buy Now, Pay Later (BNPL) options has significantly changed the online shopping experience, particularly among younger demographics, such as Generation Z and Millennials, in Indonesia. Given that many individuals in this age group do not possess traditional credit cards, BNPL has become a favored and easily accessible solution that fits their digital lifestyle. This research examines how the rise of BNPL affects the purchasing choices, financial outlooks, and expressions of identity of younger consumers. The results indicate a transition in consumer behavior that prioritizes convenience, facilitated by digital platforms, where payment methods serve as a form of self-expression and reflect personal lifestyle preferences. The findings highlight the social and psychological aspects of deferred payment systems, offering valuable insights into the evolving dynamics between young consumers and financial innovation.
Co-Authors Abdul Azis R Ali, Muhammad Haikhal Andi Indriani Ibrahim Asriadi Asriadi Azis R, Abdul Aziz , Abdul Catur Budi Wicaksono Darman Darman Erna Pujianti Erwan Sastrawan Fachry Abda El Rahman Fitrisam, Syarifah Aliyah Haeruddin Tobigo HAMZAH KARIM, SITTI AMINAH Hardianto Ramadhan Hesti Evrianti Iradat, Muhammad Isra Irwan Kandolia, Destin Naftalin Leni Karlina Lestari, Tri Ayu Luneto, Abdul Razik M, Wisra Masni MIFTAHUL JANNAH Moh. Agus MUH. YUNUS KASIM, MUH. YUNUS KASIM Nini Andriani NURDIN, DJAYANI Nurwasilah Lanonci Pricylia Chintya Dewi Buntuang R, Abdul Azis Rian Risendy Rika Febby Rhamadhani Risendy, Rian Riski, Moh Rizkiani Iskandar Saskya, Saskya Siti Nurhasanah Yusuf Sitti Aminah Hamzah Karim Suci Safitri, Suci Suhartini Vitayanti Fattah Yusriyani Herawaty