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All Journal JRMSI - Jurnal Riset Manajemen Sains Indonesia Diklat Review : Jurnal manajemen pendidikan dan pelatihan JIIP (Jurnal Ilmiah Ilmu Pendidikan) Jurnal Manajemen Bisnis dan Keuangan ADPEBI International Journal of Business and Social Science Husnayain Business Review International Journal of Entrepreneurship and Business Management Asean International Journal of Business Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)
Utami, Eristy Minda
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Determinan Ketahanan Bank di Masa Pandemi: Studi Kasus Bank Perkreditan Rakyat di Indonesia Puspitasari, Devy Mawarnie; Utami, Eristy Minda; Nursjanti, Farida; Amaliwiati, Lia
JIIP - Jurnal Ilmiah Ilmu Pendidikan Vol. 6 No. 4 (2023): JIIP (Jurnal Ilmiah Ilmu Pendidikan)
Publisher : STKIP Yapis Dompu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.875 KB) | DOI: 10.54371/jiip.v6i4.1619

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor penentu ketahanan bank di masa pandemi, khususnya pada Bank Perkreditan Rakyat. Data yang digunakan merupakan data bulanan periode Januari 2019 sampai dengan 2021 sebagai sampel desain dan periode 2021 sebagai sampel validasi. Dengan analisis regresi logistik diperoleh hasil bahwa capital adequacy ratio, net interest margin, return on asset, cash ratio dan loan to deposit ratio memiliki pengaruh positif signifikan terhadap ketahanan bank. Sementara itu, non performing loan, biaya operasional terhadap pendapatan operasional, deposit to capital ratio berpengaruh negatif signifikan terhadap ketahanan bank. Sedangkan, off balanced ratio tidak memiliki pengaruh signifikan terhadap ketahanan bank. Studi ini menegaskan bahwa BPR perlu menyempurnakan strategi pengelolaan bisnisnya termasuk yang terkait dengan dana pihak ketiga dalam menjalankan fungsi intermediasinya dan efisiensi bisnis. BPR memerlukan model prediksi ketahanan bank khususnya selama masa pandemi untuk memitigasi risiko.
ANALISIS DAMPAK KEPUTUSAN KEUANGAN TERHADAP NILAI PERUSAHAAN DI SEKTOR PROPERTI Utami, Eristy Minda; Yuliani, Reva; Fatihat, Gita Genia
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 7 No 3 (2023): Edisi September - Desember 2023
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v7i3.3324

Abstract

Evaluasi terhadap nilai perusahaan menjadi faktor penting dalam pengambilan keputusan berinvestasi karena mencerminkan kinerja manajemen, efektivitas keputusan strategis, operasional, dan pendanaan, serta memengaruhi persepsi investor terhadap potensi efektivitas perusahaan dan harga saham di pasar modal. Pandangan investor terhadap harga saham yang tinggi mencerminkan kelangsungan pengembalian investasi dan stabilitas perusahaan, mendorong peningkatan kualitas manajerial, serta mempengaruhi minat dan keputusan investor untuk melakukan investasi yang lebih besar dalam perusahaan. Penelitian ini bertujuan mengevaluasi nilai perusahaan di sub sektor properti dan real estate di Indonesia dengan menggunakan Tobin Q dengan memperhatikan faktor-faktor yang mempengaruhinya diantaranya ialah keputusan pendanaan, keputusan investasi dan kebijakan deviden. Analisis data yang digunakan dalam penelitian ini meliputi uji asumsi klasik, analisis koefisien determinasi, analisis regresi data panel, uji F serta uji t. Pengamatan dilakukan pada sub sektor properti dan real estate. Penelitian ini menggunakan metode purposive sampling dimana sampel yang diambil sesuai dengan namanya, yaitu dengan maksud dan tujuan tertentu. Berdasarkan hasil laporan keuangan perusahaan periode tahun 2017 sampai dengan 2021, sebanyak 73 perusahaan terdaftar sebagai populasi penelitian. Berdasarkan hasil pada penelitian dapat dilihat bahwa Keputusan Pendanaan berpengaruh terhadap nilai perusahaan (Tobin’s Q), keputusan investasi (ROA) tidak memiliki pengaruh terhadap Nilai Perusahaan, dan kebijakan dividen (DPR) tidak memiliki pengaruh terhadap Nilai Perusahaan.
ANALISIS KEMAMPUAN RASIO KEUANGAN MEMPREDIKSI PERINGKAT OBLIGASI PADA PERUSAHAAN PERBANKAN PERIODE 2017-2021 Yuliani, Reva; Utami, Eristy Minda; Fatihat, Gita Genia
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 7 No 3 (2023): Edisi September - Desember 2023
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v7i3.3366

Abstract

Penelitian ini menganalisis bagaimana peringkat obligasi dipengaruhi oleh variabel Current Ratio (CR), Debt to Equity Ratio (DER), Return On Asset (ROA), Non-Performing Loans Ratio (NPL) dan Capital Adequacy Ratio (CAR). Penelitian ini merupakan penelitian deskriptif melalui metode kuantitatif. Sampel yang digunakan dalam penelitian ini sebanyak 8 Bank. Hasil uji t menunjukkan bahwa Debt to Equity Ratio (DER) dan Non-Performing Loans Ratio (NPL) berpengaruh terhadap rating secara signifikan. Hasil uji f menunjukkan bahwa semua variabel berpengaruh signifikan secara simultan terhadap peringkat obligasi. Hasil koefisien determinasi pada penelitian ini sebesar sebesar 64,5%, Sementara sisanya 35,5% dijelaskan oleh faktor lainya yang tidak diteliti dalam penelitian ini.
Financial Literacy as Mediates of Financial Attitude And Intention To Invest in Shariah Utami, Eristy Minda; Yuliani, Reva; Fatihat, Gita Genia
ADPEBI International Journal of Business and Social Science Vol. 4 No. 2 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (Adpebi)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijbs.v4i2.1096

Abstract

Purpose – The primary goal of this investigation is to examine the intervening effect of financial literacy on the explanation of the link among financial attitude and the intent of Generation Z to make investments in Sharia-compliant financial products. Indonesia is progressively acknowledging the importance of investment in financial planning, which is being stimulated by the general public and breakthroughs in financial technology. However, Generation Z exhibits low investment intentions, necessitating efforts to enhance financial literacy and modify consumerist financial attitudes. Methodology/approach – This research employs an online survey targeting high school students at Al-Quran Qiroatusab'ah Islamic Boarding School (Madrasah Aliyah). Data on financial attitudes, financial literacy, and investment intentions were collected and analyzed using Structural Equation Modeling with Partial Least Squares (PLS). Findings – The study reveals that high school students financial attitudes significantly influence their financial literacy and investment intentions. The findings indicate that enhanced financial literacy positively impacts their intention to invest in Sharia-compliant financial products. Novelty/value – The research offers a comprehensive analysis of the interplay between financial literacy, financial attitudes, and investment intentions among students in Sharia banking at Islamic boarding schools in Indonesia, utilizing SEM-PLS methodology. This study provides insights into improving investment intentions through targeted financial literacy programs.
Analisis Rasio Profitabilitas untuk Memprediksi Financial Distress menggunakan Metode Support Vector Machine Fatihat, Gita Genia; Utami, Eristy Minda; Yuliani, Reva
Jurnal Manajemen Bisnis dan Keuangan Vol 5 No 1 (2024): April 2024
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v5i1.182

Abstract

Financial distress is when a company experiences difficulty fulfilling its obligations or struggles to pay off its obligations, which requires the company to take corrective action. This research aims to determine the accuracy of prediction models for coal sector companies listed on the Indonesia Stock Exchange for 2018-2022. This research analyzes company financial reports using secondary data collection techniques. The variables studied are the profitability ratio, which consists of Return on Assets, Gross Profit Margin, and Net Profit Margin. The object of this research is companies in the coal industry sub-sector. This prediction model predicts 18 company data from 32 samples tested, so prediction errors occur in 5 observation data samples. This model can predict companies, where 18 companies predicted not to experience financial distress and five companies predicted to experience financial distress due to the Return on Assets (ROA) and Net Profit Margin (NPM) values.
Unlocking Investment Potential: The Impact of Financial Knowledge on University Students' Investment Intentions Through Financial Attitude Utami, Eristy Minda; Nursjanti, Farida; Amaliawiati, Lia; Komariah, Siti
Husnayain Business Review Vol. 5 No. 2 (2025)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (ADPEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/hbr.v5i2.1308

Abstract

Purpose – This study analyzes the influence of financial knowledge on students' investment intentions, with financial attitude as a mediating variable. In the context of the increasing importance of financial literacy among Generation Z, this research explores how financial education shapes the investment behavior of students enrolled in capital market courses at Widyatama University. Methodology/Approach – This study employs a survey of 200 undergraduate students taking capital market courses. The analysis is conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach to examine the relationships between financial knowledge, financial attitude, and investment intention. A 5-point Likert scale is used to measure the studied variables. Findings – The results indicate that financial knowledge significantly influences students' financial attitudes, which in turn positively impact their investment intentions. Mediation analysis confirms that financial attitude plays a key role in linking financial knowledge to investment intention. While financial knowledge directly affects investment decisions, students with a stronger financial attitude are more motivated to invest. Novelty/Value – This study provides deeper insights into the investment behavior of university students in Indonesia by highlighting the mediating role of financial attitude. The findings suggest that financial literacy programs should not only focus on increasing knowledge but also on fostering a positive financial attitude to encourage active participation in the capital market.
Behavioral Intention Analysis on Aspiring Geopark Tourists: A Case Study in Pangandaran Hidayah, Riski Taufik; Iskamto, Dedi; Utami, Eristy Minda
International Journal of Entrepreneurship and Business  Management Vol. 2 No. 1 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (ADPEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijebm.v2i1.585

Abstract

Purpose –Pangandaran is still the prima donna of beach tourism in West Java and a favorite tourist destination for domestic tourists so that the Pangandaran area becomes one of the leading tourist areas that has the potential to become a Global Geopark area. This condition is in line with Pangandaran's strength as a mainstay natural tourist destination in West Java which displays aspects of its geodiversity through unique and distinctive rock formations and natural phenomena. Geopark status owned by an area is expected to be able to increase the number of tourist visits that contribute to local economic development. However, there is an imbalance in the visits of domestic tourists and foreign tourists to the Pangandaran tourist area. Methodology/approaches –The method used in this study is verification with the population, namely tourists who have visited the Pangandaran Tourism Area throughout 2021 at least once. The analytical method used is Spearman's rank correlation, the coefficient of determination, and the t test with a significance level of five percent. Findings –This study supports previous studies where the destination image has an influence on the behavioral intention of tourists with a magnitude of 62.09%.  
THE INFLUENCE OF CAPITAL STRUCTURE ON EARNING PER SHARE (EPS) Utami, Eristy Minda; Hidayah, Riski Taufik
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 8 No. 2 (2017): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (334.466 KB) | DOI: 10.21009/JRMSI.008.2.04

Abstract

The purposes of this research are finding the influence of Capital Structure on Earning Per Share partially and simultaneously. The research method used is descriptive analysis verificative using secondary data. Statistic method is using multiple correlation regression statistic method to test the effect of indenpendent variables (capital structure) on the dependent variable (Earning Per Share) on Jakarta Islamic Index (JII) 2011 - 2016. Results of research using a significance level of 0.95 and 0.05 error rate indicates that the capital structure represented by the ratio of DAR has no effect on Earning Per Share (EPS), DER also has no effect on Earning Per Share (EPS), LDAR has a negative effect on EPS.
E-SERVICE QUALITY AND E–RECOVERY SERVICE QUALITY ON E–SATISFACTION LAZADA.COM Hidayah, Riski Taufik; Utami, Eristy Minda
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 8 No. 2 (2017): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (640.681 KB) | DOI: 10.21009/JRMSI.008.2.05

Abstract

The purpose of thus research is to find the impact of e-service quality and e – recovery service quality toward e-satisfaction of consumer at online marketplace Lazada. This research is triggered by the decreasing percentage of Top Brand Award on every category Lazada is in. Even though Lazada as an online service provider has done several effort to improve their service quality and respon to each complain in a well manner. The methods used in this research is descriptive and verificative. The population in this research are Lazada consumer whom conducted a complaint after they buy a product from Lazada. The sampling technique in this research is a purposive sampling, with the number of sample is 200 people. To analise the data the author used Path Analysis to understand the correlation wether it is simultaneous or partial.
The Influence of TikTok EWOM on Purchase Intentions for The Originote Skincare Products Hidayah, Riski Taufik; Adriansyah, Irfan; Utami, Eristy Minda
Asean International Journal of Business Vol. 3 No. 2 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijb.v3i2.1017

Abstract

The aim of this research is to examine the impact of electronic word-of-mouth (eWOM) on TikTok regarding consumer purchase intentions for The Originote skincare products. The research targeted TikTok users interested in The Originote skincare products, with the total population being unknown. Utilizing the Cochran formula, the study sampled 273 respondents through purposive sampling to complete the questionnaire. The raw data were processed and analyzed utilizing SPSS version 23. The results reveal that The purchase intention for The Originote skincare products is significantly influenced by the quality of eWOM on TikTok. Similarly, the credibility of electronic word-of-mouth influences purchase intention, and The volume of electronic word-of-mouth on TikTok also exerts a significant influence on consumers' purchase intentions, Furthermore, the quality, credibility, and quantity of electronic word of mouth on the TikTok application collectively exerts a simultaneous influence on the purchase intention for The Originote skincare products. Given the rapid expansion of Indonesia's skincare industry and the growing importance of social media platforms such as TikTok, understanding how eWOM quality, credibility and quantity influence purchase intentions for The Originote skincare products, is critical.
Co-Authors Adriansyah, Irfan Amaliawiati, Lia Amaliwiati, Lia Dedi Iskamto Devy Mawarnie Puspitasari Fatihat, Gita Genia Nursjanti, Farida Riski Taufik Hidayah Siti Komariah Yuliani, Reva