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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Keuangan dan Perbankan Jurnal Ilmiah Mahasiswa FEB EQUILIBRIUM Economica: Jurnal Ekonomi Islam EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Indonesian Journal of Islamic Economics Research El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Economics Research and Policy Studies Journal of Accounting and Digital Finance West Science Business and Management Jurnal Ekonomi dan Kewirausahaan West Science Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy
Himmati, Risdiana
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences Other

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Financial Distress Prediction in Infrastructure, Utilities, and Transportation Sector Companies 2015-2020 Mashudi, Mashudi; Himmati, Risdiana; Ardillah, Id Fitria Rahayu; Sarasmitha, Citra
Jurnal Keuangan dan Perbankan Vol 25, No 3 (2021): Juli 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i3.5858

Abstract

This research is based on financial distress or financial distress, which negatively impacts the company, marked by its inability to fulfill its obligations at maturity. This phenomenon can be an early warning related to further problems, and financial distress can be overcome by predicting as early as possible. This prediction is essential for management and company owners to anticipate potential bankruptcy. The formulations in this study include whether inflation affects predicting financial distress in companies in the Infrastructure, Utilities, and Transportation sectors listed on the IDX for the 2015-2020 period. And Whether the financial ratios (Current Ratio, Debt To Equity Ratio, Total Asset Turn Over, Return on Equity, Price Book Value) affects predicting financial distress in Infrastructure, Utilities, and Transportation sector companies listed on the IDX the 2015-2020 period. This study uses a quantitative approach and the type of associative research, and the source data is secondary data with a sample of 10 companies. The sampling technique used purposive sampling. Data processing in this study uses E-Views 9 with Panel Data Regression analysis techniques. This study can conclude that the variables of inflation, current ratio, price-book value, and total turnover significantly affect financial distress in the Infrastructure sector companies: utilities and Transportation. Meanwhile, the debt to equity ratio and return on equity variables did not substantially affect financial distress in the Infrastructure, Utilities, and Transportation sector companies in 2015-2020.DOI: 10.26905/jkdp.v25i3.5858
Factors Affecting Company Values in the Companies Listed in the Jakarta Islamic Index Himmati, Risdiana; Nabila, Rifda; Maslinda, Lisza May
EQUILIBRIUM Vol 9, No 2 (2021): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v9i2.11991

Abstract

The rapid development of the global economy has triggered competition between economic actors, especially between companies; therefore, it is necessary to do the company value analysis to attract investors. The purpose of this study was to determine the factors that affect firm value. This study used a quantitative approach, with a sample of 3 companies. The data processing used Error Correction Model analysis. The study results partially showed that the relationship between the company value in the short and long term with the company size had a negative and insignificant effect; the company growth had a positive and insignificant effect. In the short term, the funding decisions had a negative and insignificant effect; the profitability had a positive and insignificant effect; the investment decisions had a positive and insignificant effect. In the long term, the funding decisions had a positive and significant effect, the profitability had a negative and insignificant effect, and the investment decisions had a positive and significant effect. Simultaneously the independent variable affects the firm value. These findings have implications for adding to the literature on the factors that influence company values and are valuable for executives in companies, especially in implementing policies to increase company value.
Pengaruh Layanan Frontliner dan Relationship Marketing Terhadap Loyalitas Nasabah pada Bank Muamalat Indonesia Kantor Cabang Pembantu Madiun Imanurrovi, Fithrotul; Himmati, Risdiana
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 2 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i2.866

Abstract

Competition between Islamic banks and conventional banks in gathering customers to use their products is getting tougher. Islamic banks, especially Bank Muamalat Indonesia KCP Madiun, also continue to improve their services in order to retain customers. For Bank Muamalat Indonesia KCP Madiun, the existence of loyal customers is very important because it can describe the level of profitability and the company's image in the public. With good service quality, full trust from customers, close commitment, good communication, and appropriate handling of problems, of ourse Bank Muamalat Indonesia KCP Madiun will be increasingly favored by its customers. This study aims to (1) determine the effect of frontliner service on customer loyalty at Bank Muamalat Indonesia KCP Madiun. (2) determine the effect of relationship marketing on customer loyalty at Bank Muamalat Indonesia KCP Madiun. (3) determine the effect of frontliner services and relationship marketing together on customer loyalty at Bank Muamalat Indonesia KCP Madiun. This research method is quantitative, with the type of associative research. Data collection techniques using a questionnaire. The results of this study can be concluded that (1) frontliner service has a positive and not significant effect on customer loyalty at Bank Muamalat Indonesia KCP Madiun because the frontliner service value is smaller than the t table value, namely 1.383 <1.693 and a significance value of 0.176 > 0.05, (2) relationship marketing has a positive and significant effect on customer loyalty at Bank Muamalat Indonesia KCP Madiun with a relationship marketing value greater than the t table value of 2.742 > 1.693, and a significance value of 0.009 <0.05, (3) frontliner services and relationship marketing together positive and significant effect on customer loyalty of Bank Muamalat Indonesia KCP Madiun with Fcount of 10.394 > Ftable 3.30 and a significance value of 0.000332 <0.05.
Peran Ekonomi Digital dalam Pembangunan Ekonomi di Indonesia Shinta Dewi, Putri; Himmati, Risdiana
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 8 No 1 (2024): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v8i1.1104

Abstract

The digital economy is an economy that uses digital technology as a key in the production, distribution and consumption of goods and services. This research aims to analyze and prove the influence of internet users, the number of e-commerce businesses, and the value of e-commerce transactions on per capita income in Indonesia. The methodology used is a quantitative approach with an associative type of research. The data collection technique in this research uses documentation techniques. This research uses a quantitative approach with an associative type of research. The data collection technique in this research uses documentation techniques. This technique searches for data, namely secondary data, through the official website of the Central Statistics Agency. The data analysis method in this research is to use multiple linear regression tests to evaluate the relationship between two or more independent variables and one dependent variable. The results of this research show that partially internet users have a significantly positive effect on per capita income in Indonesia. The number of e-commerce businesses has no and insignificant effect on per capita income in Indonesia. The value of e-commerce transactions has a significantly positive effect on per capita income in Indonesia. Meanwhile, together internet users, the number of e-commerce businesses, and the value of e-commerce transactions have a significant positive effect on per capita income in Indonesia. Internet users, the number of e-commerce businesses, and the value of e-commerce transactions influence per capita income in Indonesia by 95.1% and 4.9% is influenced by other variables not examined in this research.
DAMPAK STRATEGI PROMOSI EDUKATIF TERHADAP REPUTASI PERUSAHAAN PARIWISATA SYARIAH DI KABUPATEN JOMBANG Rofikhoh, Sitieoz Ely Nikmatu; Himmati, Risdiana; Abin, Moh. Rois
Journal of Islamic Tourism Halal Food Islamic Traveling and Creative Economy Vol 4 No 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam - Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/ar-rehla.v4i2.9915

Abstract

Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh strategi promosi berbasis edukasi terhadap reputasi perusahaan pariwisata syariah di Kabupaten Jombang. Promosi berbasis edukasi bertujuan memberikan pemahaman mendalam kepada calon wisatawan mengenai pariwisata syariah dan nilai-nilai syariah yang diterapkan dalam industri pariwisata, dengan harapan dapat meningkatkan reputasi perusahaan tersebut. Metode yang digunakan adalah kuantitatif deskriptif, dengan pengumpulan data melalui kuesioner yang disebarkan kepada 100 responden yang pernah mengunjungi objek wisata syariah di Kabupaten Jombang. Dalam penelitian ini, objek wisata yang dianalisis sebanyak 5 objek wisata antara lain Museum Islam Indonesia KH. Hasyim Asy’ari, Makam Gus Dur, Makam Sayyid Sulaiman, Makam KH. Abdul Wahab Chasbullah, dan Masjid Agung Baitul Mukminin. Data kemudian dianalisis menggunakan uji regresi linier sederhana dengan bantuan software SPSS 26. Hasil penelitian menunjukkan bahwa strategi promosi berbasis edukasi memiliki pengaruh positif dan signifikan terhadap reputasi perusahaan. Hal ini dibuktikan dengan nilai signifikansi sebesar 0,000 < 0,05 dan nilai t-hitung sebesar 11,662 > 1,6605, yang mengindikasikan bahwa semakin baik pelaksanaan strategi promosi berbasis edukasi, maka semakin baik pula reputasi perusahaan pariwisata syariah di mata masyarakat. Kesimpulannya, promosi berbasis edukasi dapat menjadi strategi efektif dalam meningkatkan reputasi perusahaan pariwisata syariah. Kata Kunci: Strategi Promosi; Promosi Berbasis Edukasi; Reputasi Perusahaan; Pariwisata Syariah; Kabupaten Jombang Abstract: This research aims to analyze the influence of education-based promotional strategies on the reputation of sharia tourism companies in Jombang Regency. Education-based promotion aims to provide potential tourists with an in-depth understanding of sharia tourism and the sharia values ​​applied in the tourism industry, with the hope of improving the company's reputation. The method used was descriptive quantitative, with data collection through questionnaires distributed to 100 respondents who had visited sharia tourist attractions in Jombang Regency. In this research, 5 tourist attractions were analyzed, including the Indonesian Islamic Museum KH. Hasyim Asy'ari, Gus Dur's grave, Sayyid Sulaiman's grave, KH. Abdul Wahab Chasbullah, and the Baitul Mukminin Grand Mosque. The data was then analyzed using a simple linear regression test with the help of SPSS 26 software. The research results showed that education-based promotional strategies had a positive and significant influence on the company's reputation. This is proven by a significance value of 0.000 < 0.05 and a t-calculated value of 11.662 > 1.6605, which indicates that the better the implementation of education-based promotional strategies, the better the reputation of sharia tourism companies in the eyes of the public. In conclusion, education-based promotion can be an effective strategy in improving the reputation of sharia tourism companies. Keywords: Promotion Strategy; Education Based Promotion; Company Reputation; Sharia Tourism; Jombang Regency
Analisis dampak kredit Bank Plecit pada kesejahteraan ekonomi masyarakat di sekitar Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung Abin, Moh. Rois; Himmati, Risdiana; Alinda, Ria; Al-Mubarok, M. Ahris; Oktavia, Nevi; Umam, Ahmad Choirul
Journal of Economics Research and Policy Studies Vol. 4 No. 2 (2024): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v4i2.1253

Abstract

This study aims to identify the factors that lead the community around Sayyid Ali Rahmatullah State Islamic University Tulungagung to become entangled with Plecit Bank and the impact of Plecit Bank loans on the welfare of the surrounding community. The method used is a case study. Data collection techniques involve direct interviews in the field. This research employs non-probability sampling with purposive sampling. Purposive sampling is used in this study because it aligns with the research objectives. Based on the research, it is concluded that the practices of Plecit Bank are driven by the ease of applying for loans. Three factors influence the community around Sayyid Ali Rahmatullah State Islamic University Tulungagung in taking loans: economic, social, and psychological. Furthermore, neither informant feels assisted by Plecit Bank loans. This is due to the very high interest rates ranging from 25% to 30%, or between 250,000 to 300,000 for a loan of 1,000,000. Consequently, this situation leaves the informants in a state of insecurity and reluctance to take out loans from Plecit Bank.
Analisis peran perbankan dan inflasi di sektor perdagangan dalam mendorong pertumbuhan ekonomi masyarakat Nafiah, Novia Maslihatun; Himmati, Risdiana; Sobir, Labib Muzaki; Indraswari, Kesy
Journal of Economics Research and Policy Studies Vol. 4 No. 3 (2024): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v4i3.1254

Abstract

The economic growth of communities in the trade sector in Indonesia is influenced by various factors, including the role of Islamic banking. This study aims to analyze the influence of Islamic banking on community economic growth, focusing on the variables of Capital Adequacy Ratio, Financing to Deposit Ratio, Non-Performing Loan, and inflation from 2018-2023. The research method used is panel data regression. Data analysis used panel data regression to measure the relationship between capital adequacy ratio, financing to deposit ratio, non-performing loans, inflation, and gross domestic product (GDP). Data were obtained from reports from the Financial Services Authority (OJK) and the Central Statistics Agency. The results show that the Capital Adequacy Ratio, Financing to Deposit Ratio, and Non-Performing Loan individually do not significantly impact economic growth in the trade sector, while inflation has a significant effect. This study emphasizes that inflation has an important role in understanding the impact of Islamic banking on economic growth in the trade sector. The results of this study indicate that controlling inflation strengthens the contribution of Islamic banking in driving community economic growth.
Pengaruh Customer Relationship Management dan Corporate Reputation terhadap Customer Retention melalui Customer Satisfaction pada Supermarket di Kota Blitar Churun, Aurya; Himmati, Risdiana
Jurnal Ekonomi dan Kewirausahaan West Science Vol 3 No 02 (2025): Jurnal Ekonomi dan Kewirausahaan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jekws.v3i02.2083

Abstract

Seiring banyaknya bisnis ritel membuat persaingan bisnis semakin ketat yang didasari karena pemenuhan kebutuhan manusia yang semakin banyak dan beragam. Bertambahnya tempat belanja yang semakin banyak dengan penawaran barang yang sama, menjadikan pelanggan untuk lebih selektif dalam memilih tempat belanja. Tujuan dari studi ini ialah guna melihat pengaruh CRM dan corporate reputation perusahaan terhadap customer retention Hyfresh Supermarket Blitar Squrae serta pengaruhnya melalui kepuasan pelanggan sebagai variabel intervening. Jumlah populasi studi ini tidak dapat diketahui pastinya, sehingga penentuan sampel dilakukan dengan menggunakan rumus Lemeshow yang diketahui sebanyak 100 pelanggan Hyfresh Supermarket Blitar Square. Studi ini menerapkan pendekatan kuantitatif melalui teknik pengambilan sampel accidental sampling. Pengumpulan jawaban responden berupa kuesioner di google form yang disebarkan secara online. Teknik Analisa data studi ini dilakukan melalui metode SEM-PLS dibantu dengan software SmartPLS versi 4.0. Hasil studi menemukan customer relationship management mempunyai dampak positif dan tidak signifikan terhadap customer retention, corporate reputation mempunyai dampak positif dan signifikan terhadap customer retention, customer satisfaction mempunyai dampak positif dan signifikan terhadap customer retention, customer relationship management mempunyai dampak positif dan signifikan terhadap customer retention melalui customer satisfaction sebagai variabel intervening, dan corporate reputation mempunyai dampak positif dan signifikan terhadap customer retention melalui customer satisfaction sebagai variabel intervening. 
The Influence of Seller Responsiveness, Price, and Payment Features Cash On Delivery -Check First on Purchase Decisions on the Shopee Application Nizam, Muchamad Choirul; Asrori, Muhamad; Himmati, Risdiana
West Science Business and Management Vol. 3 No. 02 (2025): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v3i02.1953

Abstract

The transformation of people's shopping behavior is greatly influenced by the rapid development of digital technology and the COVID-19 pandemic situation. The shift in shopping patterns from traditional (offline) methods to bold methods is becoming increasingly apparent. Shopee is a popular bold shopping platform in Indonesia. This study aims to determine the effect of Seller Response, Price, and COD Payment Features–Check first on Purchase Decisions on Shopee. This study uses a quantitative method with an associative approach to analyze the relationship between variables. Sample selection was carried out purposively based on certain criteria. The data collection instrument was a questionnaire distributed via Google Form, and the data analysis process was carried out with the help of SPSS software. The results of the analysis show that the combination of Seller Responsiveness, Price, and COD Payment Features–Check first can influence purchase decisions on Shopee for students of UIN Sayyid Ali Rahmatullah Tulungagung. Individually, each of these variables also has a significant and good impact. The coefficient of determination test shows that the third factor has an influence of 53.8% on purchasing decisions.
Nexus Islamic Finance Development and Income Inequality in Indonesia: Testing Kuznets Curve Hypothesis Shofi Dana, Badara; Himmati, Risdiana; Salim, Agus
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.26318

Abstract

This study analyzes the applicability of the Kuznets curve hypothesis within the specific context of Islamic finance development in Indonesia and its resultant implications for income inequality. The novelty of this research lies in integrating Islamic finance, specifically from the banking sector, with Islamic social finance instruments, namely zakat, infaq, and sadaqah. Crucially, it interrogates whether the Kuznets curve hypothesis remains pertinent within this expanded framework. Utilizing secondary panel data encompassing 25 Indonesian provinces over the 2019–2020 period, the study employs panel data regression techniques, specifically common effect, fixed effect, and random effect models, which were systematically selected via the Chow, Hausman, and Lagrange multiplier tests. The empirical findings demonstrate unequivocally that the development of Islamic finance, spanning both the financial and social sectors, significantly influences income inequality. This substantiates the Kuznets curve hypothesis: inequality initially escalates but subsequently diminishes as development matures. Furthermore, the results underscore the role of the Human Development Index (HDI) and the prevalence of mosques in mitigating inequality, while population density exhibits a positive association with inequality. This study conclusively argues that strengthening financial inclusion and professionalizing the management of Islamic social finance constitute strategic approaches for mitigating income inequality in Indonesia.
Co-Authors A'yunina , Qurotu Abin, Moh. Rois Agus Salim Agustinus Suryantoro Al-Mubarok, M. Ahris Alinda, Ria Ardillah, Id Fitria Rahayu Arum, Yasmine Sekar Arwendi, Deswita Fitri Asrori, Muhamad Badara Shofi Dana, Badara Shofi Churun, Aurya Citra Sarasmitha Drastiana, Tiyas Imanurrovi, Fithrotul Indraswari, Kesy Mailani, Robit Altom Maridkha, Antin Mashudi Mashudi Maslinda, Lisza May Nabila, Rifda Nafiah, Novia Maslihatun Nizam, Muchamad Choirul Oktavia, Nevi Rani, Pranitya Septiya Rofikhoh, Sitieoz Ely Nikmatu Shinta Dewi, Putri Shofi Dana, Badara Sobir, Labib Muzaki Umam, Ahmad Choirul Wati, Aprilia Eka Fajar Yunastiti Purwaningsih, Yunastiti