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All Journal Daya Saing : Jurnal Ilmu Manajemen JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS eCo-Buss Management Studies and Entrepreneurship Journal (MSEJ) BUDGETING : Journal of Business, Management and Accounting Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Journal of Management Accounting Business and International Research Journal of Artificial Intelligence and Digital Business JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Jurnal Penelitian Pendidikan Indonesia
Ruzikna, Ruzikna
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The Influence of Financial Attitudes and Financial Knowledge on the Financial Management Behavior of Mobile Counter MSME Actors in Binawidya District, Pekanbaru City Sintia, Lola; Ruzikna, Ruzikna
Journal Of Accounting Management Business And International Research Vol 3, No 2 (2024): October 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jambuair.v3i2.2289

Abstract

This research was conducted on mobile phone counter MSMEs in Binawidya District, Pekanbaru City regarding the influence of financial attitudes and financial knowledge on financial management behavior. This research involved 95 respondents from 124 populations who were calculated using the Slovin formula. The data collection method in this research was by distributing questionnaires to 95 respondents spread across five sub-districts in Binawidya District, Pekanbaru City, determining the number of samples for each sub-district using the proportional stratified random sampling technique, then the data was processed and tested using SPSS. So the results obtained are that partially financial attitudes have a positive and significant effect on financial management behavior, then partially financial knowledge has a positive and significant effect on financial management behavior and also simultaneously financial attitudes and financial knowledge have a positive and significant effect on the financial management behavior of MSME players. cellphone counter in Binawidya District, Pekanbaru City.
The Effect Of Placement, Material Incentives And Non Material Incentives On Employee Job Satisfaction (Study Of Non-Medical Employees Of RSJT Pekanbaru In Indonesia) Kasmiruddin, Kasmiruddin; Ruzikna, Ruzikna; Othman, Lie; Mandataris, Mandataris; Nurfitri, Nurfitri
International Journal of Science, Technology & Management Vol. 5 No. 1 (2024): January 2024
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v5i1.1059

Abstract

This study aims to analyze whether there is a simultaneous and partial influence of employee reward variables, material incentives and non-material incentives on job satisfaction at RSJT Pekanbaru Hospital. The research method used is quantitative, namely research that aims to explain the relationship between employee placement variables, material incentives and non-material incentives and job satisfaction variables. All research variables are reduced to several research indicators and indicators are reduced to research instruments. The research population was all staff of the General Administration and Finance Section of RSJT, totaling 72 people. Considering the population was less than 100, the entire population was used as respondents. To collect data using a questionnaire distribution technique, with the consideration that respondents did not have time to be interviewed and were able to understand the substance of the questionnaire. The analytical technique used to analyze research data is the Multiple Liner Regression statistical technique and uses SPSS version 22. From the research results it was found that employee placement has a significant effect on job satisfaction of RSJT non-medical employees; providing material incentives has a significant effect on job satisfaction of RSJT non-medical employees; providing non-material incentives has a significant effect on job satisfaction of RSJT non-medical employees; and employee placement, material incentives and non-material incentives have a significant effect on job satisfaction of nonmedical employees together. It is recommended that the leadership of RSJT Pekanbaru, 1) consider the suitability of employee placement with the education, skills and work experience of non-medical employees; 2) Adjusting the provision of material incentives to employee expectations and needs and related to employee morale; 3) Provision of non-material incentives must be in accordance with work performance and employee needs.
Determinants of Business Sustainability in Small and Medium Enterprises of Fish Pond Cultivation through Financial Capability Strategy and Organizational Agility Suryalena, Suryalena; Karneli, Okta; Ruzikna, Ruzikna; Mandataris, Mandataris; Febrian, Achmad Fajri
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 4 (2022): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i4.7218

Abstract

Micro, Small and Medium Enterprises (MSMEs) in the aquaculture business sector in Indonesia are able to be resistant in facing global economic changes, and are able to become the backbone of the local and national economy. In addition to being an opportunity, changes in the business environment tend to be uncertain, and become a threat that is difficult to control. The failure of SMEs in the aquaculture sector to adapt will threaten business sustainability in the future. So, it is necessary to have a strategy at the organizational level in managing these threats. This article attempts to measure the implementation of financial capability and organizational agility as antecedents of business sustainability. The unit of analysis that was measured was MSME fishpond cultivation in Kampar Regency. Based on Slovin's formula, the number of samples needed is 98 people. The data analysis process uses the SEM method through a partial least square approach. Based on the results of the analysis, fish pond cultivation SMEs in Kampar Regency have implemented all dimensions of financial capability as a strategy to take advantage of opportunities that arise in the market to create business sustainability. The results of data processing through the SEM method, one of the dimensions of the construct, namely organizational agility, gets a weak significance or probability value on business sustainability. This proves that fish pond cultivation SMEs have not optimized all their resources to adapt to changes in the business environment. The findings of this study indicate that with financial management in the aspect of human resources, agility characteristics will be created where business actors/fish pond farmers can quickly adapt to changes in technology that are currently developing, through the use of venture financing services from non-bank financial institutions.
Analisis Economic Value Added (EVA) dan Return on Assets (RoA) Untuk Mengukur Kinerja Keuangan pada PT. Pegadaian (Persero) Salsabillah, Naelah Dian; Ruzikna, Ruzikna
JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Vol 2, No 2 (2024): Agustus 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jamparing.v2i2.2313

Abstract

Penelitian ini bertujuan untuk mengetahui Kinerja Keuangan PT Pegadaian (Persero), dengan menggunakan metode Economic Value Added (EVA) dan Return On Assets (ROA) periode 2018-2022. Penelitian ini menggunakan metode analisis kuantitatif-deskriptif. Populasi dalam penelitian ini adalah keseluruhan laporan keuangan PT. Pegadaian (Persero) tahun 2018-2022. Sampel dalam penelitian ini adalah laporan neraca dan laporan laba rugi PT. Pegadaian (Persero) tahun 2018-2022. Teknik pengumpulan data dilakukan dengan teknik dokumentasi. Penilaian Kinerja Keuangan PT Pegadaian (Persero) dilakukan dengan menggunakan metode Economic Value Added (EVA) dan Return On Assets (ROA). Hasil penelitian menunjukkan bahwa PT. Pegadaian (Persero) mampu menghasilkan nilai Economic Value Added (EVA) positif dan (EVA 0) dan nilai Return On Assets (ROA) berada pada kategori baik. Artinya manajemen keuangan PT. Pegadaian (Persero) berhasil menciptakan kinerja keuangan yang baik bagi pemilik perusahaan dan pemegang saham dengan tujuan meningkatkan manajemen keuangan perusahaan dalam memaksimumkan nilai perusahaan.
Pengaruh Sikap Keuangan, Pengalaman Keuangan dan Kepribadian terhadap Perilaku Pengelolaan Keuangan UMK di Kecamatan Lubuk Dalam Kabupaten Siak Cristamar, Yemima Ayu; Ruzikna, Ruzikna
BUDGETING : Journal of Business, Management and Accounting Vol 5 No 2 (2024): BUDGETING : Journal of Business, Management and Accounting
Publisher : Institut Penelitian Matematika Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/budgeting.v5i2.9418

Abstract

This research aims to determine the influence of financial attitudes, financial experience and personality on the financial management behavior of MSEs in Lubuk Dalam District, Siak Regency. The method used in this research is quantitative descriptive analysis with the SmartPLS 4 program. The population in this research is all micro and small business actors in Lubuk sub-district, totaling 1648 MSE units, with a total sample of 94 MSE units. The data collection technique is through distributing questionnaires, while the variable measurement technique uses a Likert scale. Data analysis includes convergent validity test, discriminant validity test, reliability test, model fit test, coefficient of determination test, path coefficient test and hypothesis testing. The results of the analysis show that in general the financial attitudes, financial experience, personality and financial management behavior of MSEs in Lubuk District are very good. In addition, the results of this research show that (1) financial attitudes have a positive and significant effect on financial management behavior of MSEs in Lubuk Dalam District, (2) financial experience has a positive and significant effect on financial management behavior of MSEs in Lubuk Dalam District and (3) personality has a positive and significant effect on the financial management behavior of MSEs in Lubuk Dalam District. Keywords: Financial Attitudes, Financial Experience and Personality, Financial Management Behavior.
Pengaruh Financial Literacy dan Financial Technology terhadap Kinerja UMKM (Studi Kasus Pada UMKM Sektor Kuliner Pengguna Aplikasi Grab Duri Bengkalis) Simorangkir, Marini Rosalyn; Ruzikna, Ruzikna
BUDGETING : Journal of Business, Management and Accounting Vol 6 No 1 (2024): BUDGETING : Journal of Business, Management and Accounting
Publisher : Institut Penelitian Matematika Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/budgeting.v6i1.10145

Abstract

This study aims to determine the influence of financial literacy and financial technology on the performance of SMEs: A Case Study on Culinary SMEs Using the Grab Application in Duri Bengkalis. The method used in this research is quantitative descriptive analysis using the SPSS Statistics 25 program. This study uses a population of 246 SMEs in the Culinary Sector of Duri Bengkalis that use the Grab Application. The sampling technique uses purposive sampling method with a sample size of 71 SME actors. The analysis methods used in this study are validity test, reliability test, normality test, multicollinearity test, heteroskedasticity test, simple regression analysis, multiple regression analysis, t-test, F-test, and coefficient of determination test. The results of this study indicate that (1) financial literacy has a positive and significant effect on SME performance, (2) financial technology has a positive and significant effect on SME performance, and (3) financial literacy and financial technology has a positive and significant effect on SME performance. Keywords: Financial Literacy, Financial Technology, MSME Performance, Duri Bengkalis Grab Application.
Pengaruh Penggunaan E-Commerce Dan Digital Payment Terhadap Pendapatan UMKM (Studi Kasus Pada UMKM Sektor Kuliner Kecamatan Tuah Madani Kota Pekanbaru) Fatma, Mutia; Ruzikna, Ruzikna
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): 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.v5i2.4578

Abstract

Penelitian ini bertujuan untuk mengetahui apakah E-commerce berpengaruh terhadap Pendapatan UMKM untuk mengetahui apakah Digital Payment berpengaruh terhadap pendapata UMKM, dan untuk mengetahui apakah e-commerce dan digital payment berpengaruh terhadap pendapatan UMKM. Metode penelitian yang digunakan metode kuantitatif dan menggunakan data sekunder dan data primer. Data primer didapat dari responden yang dikumpulkan melalui kuesioner yang terdiri dari 16 pertanyaan. Sampel terdapat 80 responden pelaku usaha dari populasi sebanyak 400pelaku usaha. Skala pengukuran menggunakan skala likert. Analisis data meliputi : uji validitas, uji reliabilitas, uji multikolinearitas, uji heterokedastisitas, uji normalitas, uji regresi linier sederhana,uji regresi linier berganda, uji t, uji f, dan uji koefisien determinasi. Teknik analisis data penelitian ini menggunakan SPSS. Hasil penelitian ini menunjukkan, (1) Terdapat pengaruh yang signifikan penggunaan e-commerce terhadap pendapatan UMKM sektor kuliner di Kecamatan Tuah Madani, (2) Terdapat pengaruh yang signifikan penggunaan digital payment terhadap pendapatan UMKM sektor kuliner di Kecamatan Tuah Madani, dan (3) Terdapat pengaruh yang signifikan penggunaan e-commerce dan digital payment terhadap pendapatan UMKM sektor kuliner di Kecamatan Tuah Madani.
Pengaruh Literasi Keuangan Dan Penggunaan Financial Technology Terhadap Kinerja Keuangan Umkm Sektor Kuliner Di Kecamatan Sail, Kota Pekanbaru Monica, Nasa; Ruzikna, Ruzikna
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): 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.v5i2.4655

Abstract

Penelitian ini bertujuan untuk mengetahui apakah literasi keuangan dan penggunaan financial technology terhadap kinerja keuangan pada UMKM Sektor Kuliner di Kecamatan Sail Kota Pekanbaru. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif, dengan sumber data dari data primer dan data sekunder. Data primer didapat dari responden yang dikumpulkan melalui kuesioner yang terdiri dari 21 pernyataan. Populasi dalam penelitian ini adalah seluruh UMKM Sektor Kuliner di Kecamatan Sail Kota Pekanbaru. Teknik pengambilan sampel menggunakan metode purposive sampling, sampel terdapat 87 responden pelaku usaha. Metode analisis yang digunakan dalam penelitian ini adalah uji validitas, uji reliabilitas, uji asumsi klasik normalitas, uji asumsi klasik multikolinearitas, uji asumsi klasik heterokedastisitas, uji regresi linear sederhana, uji regresi linear berganda, uji t, uji f, dan uji koefisien determinasi. Teknik analisis data penelitian ini menggunakan SPSS versi 25. Hasil penelitian ini menunjukkan, (1) literasi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan, (2) financial technology berpengaruh positif dan signifikan terhadap kinerja keuangan dan (3) literasi keuangan dan financial technology berpengaruh positif dan signifikan terhadap kinerja keuangan.
Analisis Biaya Operasional Dan Pendapatan Dalam Meningkatkan Laba Pada PT. Perkebunan Nusantara V Pekanbaru Rahma, Nabila Dwi; Ruzikna, Ruzikna
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): 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.v5i2.4772

Abstract

Tujuan penelitian ini yaitu untuk meningkatkan laba PT. Perkebunan Nusantara V Pekanbaru periode tahun 2018 sampai dengan tahun 2022 berdasarkan metode Rasio Beban Operasional, Growth Ratio, dan ROA. Data yang digunakan didalam penelitian ini adalah berupa data laporan keuangan tahun 2018 – 2022. Metode analisis data yang digunakan adalah metode analisis deskriptif. Dari analisis data berdasarkan metode Rasio Beban Operasional, Growth Ratio, dan ROA menunjukkan peningkatan laba yang baik walaupun selama periode lima tahun terakhir laba sempat mengalami fluktuasi setiap tahunnya, PT Perkebunan Nusantara V Pekanbaru mampu mengelola permasalahan dengan kinerja yang optimal. Hasil analisis metode rasio beban operasional menunjukkan hasil 71,3% maka perusahaan dikategorikan baik, untuk hasil analisis Growth Ratio adalah baik karena pertumbuhan pendapatan cenderung naik, sedangkan untuk hasil analisis ROA memiliki rata-rata sebesar 7,15% yang berada dikategori baik, artinya perusahaan mampu mengelola asetnya dengan baik sehingga dapat memperoleh laba secara optimal.
Analisis Economic Value Added (EVA) Dan Return on Assets (ROA) Untuk Mengukur Kinerja Keuangan Pada PT. Kimia Farma Tbk Agata, Anastasia; Ruzikna, Ruzikna
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): 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.v5i2.5057

Abstract

Penelitian ini bertujuan untuk mengetahui Kinerja Keuangan PT. Kimia Farma Tbk dengan menggunakan metode Economic Value Added (EVA) dan Return On Assets (ROA) periode 2018-2022. Penelitian ini menggunakan metode analisis kuantitatif-deskriptif. Teknik pengumpulan data dalam penelitian ini dilakukan dengan teknik dokumentasi. Penilaian Kinerja Keuangan PT. Kimia Farma Tbk dilakukan dengan menggunakan metode Economic Value Added (EVA) dan Return On Assets (ROA). Hasil penelitian menunjukkan bahwa nilai Economic Value Added (EVA)  PT. Kimia Farma Tbk  mengalami fluktuasi, pada tahun 2018, tahun 2020 dan tahun 2021 EVA bernilai positif . Pada tahun 2019 dan tahun 2022 EVA bernilai negatif dan nilai Return On Assets (ROA) dari tahun 2018 sampai tahun 2022 berada pada kategori baik.  
Co-Authors Agata, Anastasia Aminuyati Augustin, Jeneva Cristamar, Yemima Ayu Endang Sutrisna Fadli, Mashur Fahruddin Ahwal, Ikhwan Fatma, Mutia Febrian, Achmad Fajri Intani, Fivin Kasmiruddin, Kasmiruddin Kasmirudin, Kasmiruddin Lie Othman Mandataris Mandataris , Mandataris Mariaty Ibrahim Meyzi Heriyanto Monica, Nasa N, Ruth Shinta Marinaya Nurpeni, Nurpeni Okta Karneli, Okta Rahma, Nabila Dwi Salsabillah, Naelah Dian Simorangkir, Marini Rosalyn Sintia, Lola Suryalena, Suryalena Syahla, Gina Tiflatu Syofiatul Safitri Widia Astuti