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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi Hasanuddin Economics and Business Review Jurnal Akuntansi STIE Muhammadiyah Palopo Iqtishoduna: Jurnal Ekonomi Islam JURNAL LENTERA BISNIS Jurnal Manajemen Bisnis Nobel Management Review Asian Management and Business Review Al-Buhuts (e-journal) Journal Online Manajemen ELPEI (JOMEL) Jurnal Penelitian dan Pengabdian Masyarakat
Anwar, Vebby
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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The Influence of Islamic Financial Literacy, Income and Financial Behavior on Investment Decisions During The Covid-19 Pandemic Pahlevi, Cepi; Nurlia; Musa, Ichwan; Anwar, Vebby; Norhaedah, Norhaedah; Evendi, Agustina Martha
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 12 No. 2 (2023): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v12i2.2357

Abstract

This study was conducted to examine Islamic Financial Literacy, Income and Financial Behavior which partly influence the investment decisions of PT. Pegadaian, Regional Office IVl Balikpapan. This type of research is quantitative with data sources from questionnaire results. The sample in this study was 100l customers of PT. Pegadaian Regional Office IVl Balikpapan uses the Slovin formula. Researchers used IBM's statistical application SPSS 26. The application is used to test instrument tests, classical assumption tests, multiple linear regression analysis and research hypothesis tests. The results of the analysis show that Islamic financial literacy, income and financial behavior have a positive and significant effect on investment decisions. Islamic Financial Behavior Variables have a dominant influence on other variables.
Determination of Debt Use on Capital Structure in Indonesia Tasrim, Tasrim; Anwar, Vebby; Estiani, Estiani; Kurniawan, Angga; Jayanti, Ansri
JBTI : Jurnal Bisnis : Teori dan Implementasi Vol. 15 No. 3 (2024): December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jbti.v15i3.22671

Abstract

The use of debt is a strategic decision of the company. The company must make such decisions for the sustainability of its operations. The study investigates the factors influencing debt use in a company's capital structure. The locus of research was a technology business registered on the Indonesia Stock Exchange. The sampling was of 17 companies selected through the purposive sampling method. The companies selected as research samples were those that routinely reported financial statements during the research period from 2019 to 2023. Multiple regression analysis was employed to analyze the data. The results showed that liquidity strength negatively correlated with debt use, while the Current Ratio (CR) did not show a significant effect. Tangible assets affect the debt-to-equity ratio (DER), and no significant effect was found on the use of STDTA. Return on Asset (ROA) negatively affects short total debt to total assets (STDTA) and positively affects DER. In contrast, Total Asset Turnover (ATO) and Return on Equity (ROE) positively affected STDTA. ATO had a negative impact on DER. Meanwhile, ROE was not found to have a significant effect on DER. The company uses the pecking order theory approach in its capital structure policy. It pays more attention to internal conditions before adopting a policy of using or increasing debt in the capital structure.
Pendampingan Penyusunan Laporan Keuangan berbasis SAK EMKM pada UMKM Mama-Mama Papua di Kabupaten Sorong Munzir, Munzir; Anwar, Vebby; Henraman, Henraman; Budi, Rosdinaman; Mikir, Soleman; Katumlas, Mina Marsela
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 4 (2024): November 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v2i4.306

Abstract

The purpose of this community service activity is to provide understanding and knowledge to MSME Mama-mama Papua, Malasom Village in preparing financial reports based on SAK EMKM so that they understand and are able to implement proper financial reporting. This assistance was carried out on September 12, 2024 through counseling and training activities. The results of this community service activity are an increase in the understanding and skills of participants in making financial reports based on SAK EMKM. By looking at the results of the pre-test and post-test produced with a level of 47% to 76%. This is an ongoing evaluation carried out by the community service team so that the understanding of MSME Mama-mama Papua continues to increase continuously.
Sumber Daya Manusia Papua: Motivasi Kerja Dan Stres Kerja Pada Kinerja Pegawai Sadipun Komber, Mervin Irian; Budi, Rosdinaman; Anwar, Vebby; Homer, Yakoba; Munzir, Munzir; Komoiki, Serahpine
Nobel Management Review Vol. 5 No. 3 (2024): Nobel Management Review
Publisher : Lembaga Penelitian, Publikasi dan Pengabdian pada Masyarakat ITB Nobel Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37476/nmar.v5i3.5074

Abstract

Keberhasilan sebuah perusahaan sangat dipengaruhi oleh faktor SDM yang terlibat dalam kegiatan operasional, terutama berkaitan dengan kinerja pegawai. Kinerja yang tinggi akan mendorong perusahaan meraih keuntungan, sementara penurunan kinerja dapat berakibat merugikan. Oleh karena itu, perhatian terhadap kinerja pegawai amatlah penting, salah satunya dengan cara mengatasi stres permasalahan yang dapat menghambat kinerja pegawai. Penelitian ini bertujuan untuk menganalisis pengaruh stres kerja dan motivasi kerja terhadap kinerja pegawai di Provinsi Papua Barat Daya. Jenis penelitian yang digunakan adalah penelitian kuantitatif deskriptif. Hasil penelitian menunjukkan bahwa stres kerja tidak memiliki pengaruh yang signifikan terhadap kinerja pegawai secara parsial, dengan tingkat signifikansi di atas 0,05 (0,299 > 0,05). Di sisi lain, motivasi kerja menunjukkan pengaruh yang signifikan terhadap kinerja pegawai secara parsial, sebagaimana dibuktikan dengan tingkat signifikansi yang sesuai.
More than a paycheck: How non-financial incentives shape employee motivation in public administration Irwan, Andi; Anwar, Vebby; Zaitun, Cakra
Asian Management and Business Review Volume 5 Issue 1, 2025
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol5.iss1.art12

Abstract

This study examines how non-monetary rewards affect worker motivation in Indonesia’s public sector, highlighting the moderating influence of leadership style and the mediating function of perceived organizational support (POS). Partial Least Squares Structural Equation Modelling (PLS-SEM) and survey data from 357 public sector workers were used to confirm that work-life balance, career advancement, job enrichment, and recognition significantly increase motivation, with career development having the most impact. POS mediates these ties, and their influence is increased by transformational leadership. These observations, which emphasize the value of organized career development, successful recognition programs, and leadership training, add to the body of knowledge in human resource management and provide valuable suggestions for legislators. Public service performance can be improved, and staff motivation can be raised by bolstering organizational support and encouraging leadership involvement.
THE ROLE OF ENTREPRENEURSHIP IN REDUCING POVERTY THROUGH ISLAM PERSPECTIVE Anwar, Vebby; Hamid, Sofyan
Hasanuddin Economics and Business Review VOLUME 2 NUMBER 3, 2019
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v2i3.1546

Abstract

Entrepreneur is a stratetegical economic change agent for the Indonesian people in reducing poverty. By seeing that the majority of Indonesia's population is Muslim so it is very appropriate to implement an Islamic-based entrepreneurship system. Entrepreneur is a system in accordance with the teachings of Islam because it is highly recommended to seek riski or income. Islamic teachings view that work is a worship, so that entrepreneurs besides can lift income per capita, also can reduce poverty. In this library research emphasize the importance of entrepreneur applied in Islam because in view of Islam is aspect of life which is grouped into muamalah problem which closely related to relation between human with God which will be accounted later in akhirat. Business in the Qur'an is a human trade with God associated with spending his rescue to someone who can not afford. Successful behavior in Islam can not simply come, there are many values that need to be interpreted by Muslims as an entrepreneur. One of them, the orientation that becomes a good conception of self or others who become habit as way of life (way of life). Analysis of the success of an Islamic entrepreneur is to consider the variables of success and failure with internal and external factors based on Islamic teachings.
PENGARUH KEBIJAKAN DAN REGULASI PEMERINTAH TERHADAP PEMBERDAYAAN EKONOMI PEREMPUAN MELALUI INKLUSI KEUANGAN Muliana, Sitti; Anwar, Vebby; Yusti suciati ardhana akhyar
Al-Buhuts Vol. 19 No. 2 (2023): Al- Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i2.4225

Abstract

Women's participation in economic activities is very important. The role of women has a broad impact not only on improving the family economy and the national economy, but also in creating jobs. Indonesia, in its G20 Presidency, through its program, W20 Sispreneur, is here to create an inclusive economy to empower womenpreneurs. This program is carried out by providing easy access to capital and digital transformation. Women's empowerment in the economic sector leads to a reduction in cases of violence which have often been caused by economic problems. This research aims to examine the influence of government policies and regulations through financial inclusion on the economic empowerment of women in creative industries specifically for women in South Sulawesi. This research is a type of quantitative research. To achieve the research objectives, explanatory analysis was used using structural equation modeling (SEM-PLS) analysis tools. This research used 126 samples. The research results show that increasing government regulations regarding women's economic empowerment, policies and incentives cause women's economic empowerment to increase. The results of the structural model analysis show that financial inclusion has a positive and significant effect on women's economic empowerment.
ANALISIS PENINGKATAN PRODUK TABUNGAN PT BANK MEGA DI SORONG PAPUA BARAT Arifai, Luvnaya Nazhwa; Kumoro, Annisa Rosida; Sismar, Andi; Sudirman, Sudirman; Anwar, Vebby; Irwan, Andi; Pahmi, Pahmi
Jurnal Akuntansi Vol 10, No 1 (2024)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jurakun.v10i1.2029

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui faktor-faktor yang dapat mempengaruhi produk tabungan dan untuk mengetahui faktor-faktor apa saja yang dapat meningkatkan peningkatan produk tabungan pada PT. Bank Mega di Kota Sorong, Papua. Penelitian ini merupakan penelitian deskriptif dengan menggunakan metode survei dengan menyebarkan kuisioner dalam bentuk kuisioner. Teknik pengumpulan datanya dengan melakukan survei dan menyebarkan kuesioner kepada nasabah Bank Mega di Kota Sorong. Sampel dalam penelitian ini adalah seluruh nasabah Bank Mega di Kota Sorong. Penelitian ini menggunakan analisis regresi berganda SPSS Versi 26. Penelitian ini untuk menguji dan menguji apakah terdapat hubungan antara produk, promosi, pelayanan dengan peningkatan pemasaran produk tabungan pada Bank Mega di Kota Sorong. Berdasarkan hasil penelitian menunjukkan bahwa faktor yang mempengaruhi peningkatan produk tabungan adalah produk itu sendiri, promosi dan pelayanan, dan ketika produk bervariasi sesuai keinginan nasabah maka permintaan terhadap produk tabungan meningkat. Begitu pula ketika promosi gencar dilakukan dan pelayanan nasabah ditingkatkan, maka permintaan akan tabungan pun meningkat. meningkatkan. Hal ini diperkuat dengan hasil uji signifikansi baik secara parsial maupun simultan menunjukkan bahwa faktor-faktor yang mempengaruhi yaitu produk, promosi dan pelayanan mempunyai pengaruh positif yang signifikan terhadap peningkatan produk tabungan pada Bank Mega di Kota Sorong Papua.Kata Kunci: Peningkatan; Produk; Promosi; Melayani; TabunganABSTRACTThis research aims to identify factors that can influence savings products and to find out what factors can increase the increase in savings products at PT. Bank Mega in Sorong City, Papua. This research is descriptive research using a survey method by distributing questionnaires in the form of questionnaires. The data collection technique is by conducting surveys and distributing questionnaires to Bank Mega customers in Sorong City. The sample in this research is all Bank Mega customers in Sorong City. The research uses multiple regression analysis SPSS Version 26. This research is to test and examine whether there is a relationship between products, promotions, services and increasing marketing of savings products at Bank Mega in Sorong City. Based on the research results, it shows that the factors that influence the increase in savings products are the product itself, promotions and services, and when products vary according to customer desires, demand for savings products increases. Likewise, when promotions are intensively carried out and customer service is improved, demand for savings increases. increase. This is reinforced by the results of significance tests both partially and simultaneously showing that the influencing factors, namely products, promotions and services, have a significant positive influence on increasing savings products at Bank Mega in Sorong City, Papua.Keywords: Improvement; Product; Promotion; Service; Savings
PENGARUH MOTIVASI DAN KEPUASAN KERJA TERHADAP KINERJA PEGAWAI PADA DINAS KOPERASI UKM PERINDUSTRIAN DAN PERDAGANGAN PROVINSI PAPUA BARAT DAYA Way, Yonas; Irwan, Andi; Anwar, Vebby
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2066

Abstract

This study aims to analyze the influence of work motivation and job satisfaction on employee performance at the Office of Cooperatives, SMEs, Industry, and Trade of Southwest Papua Province. This study used a quantitative approach with a survey method, where data were collected through questionnaires distributed to employees of the relevant office. The results showed that partially, work motivation had a significant effect on employee performance, indicating that increased work motivation can encourage employees to work more optimally in carrying out their duties and responsibilities. Furthermore, job satisfaction was also proven to have a significant effect on employee performance, indicating that levels of satisfaction with their jobs, work environment, and rewards play a crucial role in improving performance. Simultaneously, the F-test results indicated that work motivation and job satisfaction jointly had a significant effect on employee performance at the Office of Cooperatives, SMEs, Industry, and Trade of Southwest Papua Province. This finding confirms that employee performance is not influenced by a single factor in isolation but rather results from the interaction of various mutually supportive internal factors.
Optimalisasi Literasi Keuangan, Modal Usaha, Dan Pengelolaan Keuangan Terhadap Keberlangsungan Umkm Sektor Kuliner Kota Sorong Provinsi Papua Barat Daya Aprilia Sari, Waode Nurma Inda; Anwar, Vebby; Sismar, Andi; Irwan, Andi
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.472

Abstract

This study aims to determine the influence of financial literacy, business capital, and financial management on the sustainability of culinary MSMEs in Sorong City, both partially and simultaneously. This study used a quantitative approach with a sample of 100 culinary MSMEs. The sampling technique used purposive sampling, while data analysis was conducted using multiple linear regression using SPSS. The results showed that partially, business capital and financial management had a positive and significant effect on MSME sustainability, while financial literacy had no significant effect. Simultaneously, these three variables significantly influenced MSME sustainability, with a coefficient of determination of 80.2%, meaning the model was able to explain 80.2% of business sustainability, while the remainder was influenced by other variables outside this study. The findings of this study indicate that the sustainability of culinary MSMEs in Sorong City is determined more by capital capacity and the quality of financial management than by theoretical financial literacy. Therefore, increasing access to capital, practice-based financial management training, and mentoring programs are key to strengthening the resilience and growth of MSMEs. Keywords: Financial Literacy, Business Capital, Financial Management, Sustainability of MSMEs.
Co-Authors Agustha Sagrim, Golda Andi Irwan Angga Kurniawan Aprilia Sari, Waode Nurma Inda Arifai, Luvnaya Nazhwa Budi, Rosdinaman Estiani, Estiani Evendi, Agustina Martha Hamid, Sofyan Henraman, Henraman Homer, Yakoba Irwan, Andi Jayanti, Ansri Katumlas, Mina Marsela Komoiki, Serahpine Kumoro, Annisa Rosida Likewati, Wa Ode Mikir, Soleman Muliana, Sitti Munzir Munzir, Munzir Musa, Ichwan Norhaedah, Norhaedah Nurlia Pahlevi, Cepi Pahmi Pahmi Sadipun Komber, Mervin Irian Sismar, Andi Sudirman Sudirman Tasrim, Tasrim Way, Yonas Yusti suciati ardhana akhyar Zaitun, Cakra