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Strategies to Increase Farmers' Financial Inclusion Yuwono, Minto; Nurmalina, Rita, Prof, Dr.Ir, MS; Suharjo, Budi, Dr.Ir. MS; Sanim, Bunasor, Prof, Dr.Ir, MSc
The South East Asian Journal of Management Vol. 10, No. 2
Publisher : UI Scholars Hub

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

Abstract

This research aims to determine the level of interest by farmers in using the services of formal financial institutions, especially digital financial services (DFS). The methods of the research were descriptive statistics and SEM analysis. The majority of respondents (50%) farmed an average area of land less than 0.5 hectares, 26% of respondents an average of 0.75-1 hectares and 24% of respondents an average of 0.5-0.75 hectares of land. Based on the status of land ownership, as many as 76% of respondents owned the property itself, 19% had a “lease” arrangement and 5% used state owned “arable”land. A total of 27% of the farmers were interested in using DFS while 34% were not. The lack of intereset was due to practical uses, enjoyment of cash and lack of knowledge. The reason for interest in DFS included practicality, speed, and security of use. Results from the SEM model indicate a significant and positive influence of Access to Usage, significant and negative influence of DFS to Access, significant and positive influence of DFS to Interest, significant and positive of Interest to Desire, and a significant and positive Desire to Access.
KAJIAN KELAYAKAN DAN EVALUASI AKTIVA TETAP PADA UMKM MILENIAL Tristanto, Sigit Heri; Yuwono, Minto; Susilowati, Etty
Jurnal Investasi Vol. 10 No. 2 (2024): Jurnal Investasi Vol. 10 No 2
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v10i2.305

Abstract

Penelitian ini bertujuan untuk menganalisis kelayakan investasi aktiva tetap pada UMKM Milenial di bidang makanan ringan. Metode yang digunakan adalah studi kasus deskriptif kualitatif dan analisis kelayakan investasi dengan metode Payback Period, Net Present Value (NPV), dan Internal Rate of Return (IRR). Hasil penelitian menunjukkan bahwa investasi aktiva tetap pada UMKM Milenial di bidang makanan ringan layak untuk dilaksanakan berdasarkan metode NPV dan IRR. Metode NPV menghasilkan nilai positif sebesar Rp 99.986.000, sedangkan metode IRR menghasilkan nilai 33.178%, lebih tinggi dari tingkat diskon 8%. Namun, berdasarkan metode Payback Period, investasi ini tidak layak karena nilai Payback Period (2 tahun 7,3 bulan) lebih lama dari periode yang ditentukan perusahaan (2 tahun). Kesimpulannya, investasi aktiva tetap pada UMKM Milenial di bidang makanan ringan layak untuk dilaksanakan berdasarkan analisis NPV dan IRR, namun perlu dipertimbangkan kembali berdasarkan Payback Period.
PENGARUH BIAYA OPERASIONAL TERHADAP LABA Gian, Erick Ivan; Yuwono, Minto; Susilowati, Etty
Jurnal Investasi Vol. 10 No. 2 (2024): Jurnal Investasi Vol. 10 No 2
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/investasi.v10i2.308

Abstract

Penelitian ini bertujuan untuk menguji pengaruh biaya operasional terhadap laba pada Koperasi Simpan Pinjam (KSP) Karya Harta Singaraja. Penelitian ini menggunakan metodologi kuantitatif dengan pendekatan kausalitas untuk menjelaskan hubungan sebab akibat antara biaya operasional dan laba. Subjek penelitian adalah KSP Karya Harta Singaraja, dan objek penelitiannya adalah biaya operasional dan laba. Hasil analisis regresi linear sederhana menunjukkan bahwa biaya operasional (X) memiliki hubungan parsial yang positif dan signifikan terhadap laba (Y). Koefisien determinasi (R2) sebesar 71,2% menunjukkan bahwa 71,2% variasi laba (Y) dijelaskan oleh variasi biaya operasional (X). Temuan ini menunjukkan bahwa peningkatan biaya operasional (X) akan berakibat pada penurunan laba (Y). Hal ini menandakan bahwa biaya operasional merupakan salah satu faktor yang memengaruhi laba KSP Karya Harta Singaraja.
Analisis Financial Distress untuk Memprediksi Kebangkrutan dan Rasio Keuangan dalam Memprediksi Pertumbuhan Laba Pada Perusahaan (Studi Kasus Pada Perusahaan Kosmetik Yang Terdaftar di Bursa Efek Indonesia Periode 2020-2022) Simamora, Ita Rahayu; Mahmudi, Abdul Halim; Yuwono, Minto
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 10, No 6 (2023)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v10i6.37395

Abstract

This research aims to investigate the impact of financial distress on predicting the potential for bankruptcy and investigate the influence of financial ratios in predicting profit growth in cosmetic companies listed on the Indonesia Stock Exchange during the period 2020-2022. This research uses a quantitative analysis approach to evaluate the level of financial health of companies, with a focus on identifying indicators of financial distress  that may affect the financial conditions of cosmetic companies listed on the Indonesia Stock Exchange. Researchers use bankruptcy models and financial ratio analysis to measure the level of financial distress and predict company profit growth of the companies. This research uses data obtained from the financial reports of each company during the specified period from 2020 to 2022.
Analisis Pengguna Shopee Paylaterd dengan Pendekatan Unified Theory Of Acceptance and Use (UTAUT2) Asmara, Rina; Hamdani, Nizar Alam; Yuwono, Minto
Journal Of Entrepreneurship and Strategic Management Vol. 3 No. 02 (2024): Journal Of Entrepeneurship and Strategic Management
Publisher : Program Pascasarjana Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jesm.v3i02.417

Abstract

Tujuan penelitian ini adalah untuk mengetahui peneriamaan Shopee Paylater di Jawa Barat yang diukur menggunakan Sem-PLS menggunakan pendektatan unified theory of acceptance and use of technology (UTAUT2). Metode yang digunakan dalam penelitian ini adalah metode deskriptif dengan menggunakan pendekatan kualitatif. Teknik pengumpulan data menggunakan studi kuesioner, dokumentasi dan studi kepustakaan. Hasil dari penelitian ini, terdapat pengaruh yang siginifikan antara Behavioural Intention terhadap Use Behaviour dengan lima variabel lainnya.
WEALTH MANAGEMENT SEBAGAI SOLUSI MANAJEMEN ASET WAKAF PESANTREN: ANALISIS IMPLEMENTASI DAN DAMPAKNYA TERHADAP KEMANDIRIAN FINANSIAL Arief, Zakiyanto; s, Etty; Yuwono, Minto
Jurnal Manajemen Dakwah Vol 12, No 1 (2024): -
Publisher : Jurusan Manajemen Dakwah, Fakultas Ilmu Dakwah dan Ilmu Komunikasi, UIN Syarif Hidayatulla

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jmd.v12i1.39814

Abstract

Tujuan dari penelitian ini adalah untuk mendeskripsikan dan menganalisis secara mendalam tentang manajemen aset berbasis wealth management dalam upaya meningkatkan pembiayaan pendidikan Pondok Pesantren Darunnajah, Ulujami Jakarta Selatan. Rumusan masalah yang dikaji secara mendalam meliputi 1) perencanaan aset berbasis wealth management dalam meningkatkan kemampuan pembiayaan pendidikan di Pondok Pesantren Darunnajah. 2) pelaksanaan pengelolaan aset berbasis wealth management dalam meningkatkan kemampuan membiayai pendidikan di Pondok Pesantren Darunnajah. 3) pengawasan aset berbasis wealth management dalam meningkatkan kemampuan membiayai pendidikan di Pondok Pesantren Darunnajah. Pendekatan penelitian menggunakan metode kualitatif. Teknik pengumpulan data menggunakan observasi partisipan, wawancara mendalam dan dokumentasi. Teknik analisis data yang digunakan adalah 1) analisis data kasus tunggal, 2) analisis lintas situs. Hasil penelitian yang telah dilakukan menunjukkan bahwa: 1) Perencanaan manajemen aset di pondok pesantren adalah perumusan rencana pengadaan lahan, pengembangan lini pendidikan dan unit usaha, partisipasi warga pesantren dan perlakuan terhadap tabungan dan pembayaran santri; 2) Pelaksanaan manajemen aset dilakukan dengan penambahan lahan, pendirian lini pendidikan baru, unit usaha, memperlakukan tabungan santri sebagai modal, atau melakukan kerja sama dengan bank konvensional; 3) Pengawasan dilakukan di tingkat unit usaha dengan materi dengan materi yang berfokus pada pengembangan dan kontribusi pesantren.
Pengaruh Fungsi Audit Internal dan Fungsi Manajemen Risiko Terhadap Kinerja Perusahaan Pada PT Inkomas Lestari Muryanti, Sri; Yuwono, Minto
Jurnal Ilmiah Raflesia Akuntansi Vol 10 No 2 (2024): Jurnal Ilmiah Raflesia Akuntansi
Publisher : Politeknik Raflesia Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53494/jira.v10i2.478

Abstract

This study aims to determine the impact of the Internal Audit function and the Risk Management function on company performance. This research was conducted at PT Inkomas Lestari and the respondents of this study were from the Internal Supervisory Unit (SPI) and the Finance and Accounting Unit using non probability sampling techniques. Furthermore, the data will be processed with the help of SPSS software version 25.0. The results showed that Internal Audit and Risk Management simultaneously had a positive and significant effect on the Company Performance of PT Inkomas Lestari by 75.4%. The remaining variables affected by 24.6% can be influenced by other variables that are not used but still have a relationship with this study.
Pemanfaatan Budgeting Dalam Manajemen Keuangan Untuk Meningkatkan Efektivitas Program Promosi Kesehatan Di Rumah Sakit Abcd Ningsih Palupi, Hana Susila; Yuwono, Minto; Susilowati, Etty
Jurnal Ilmiah Raflesia Akuntansi Vol. 10 No. 2 (2024): Jurnal Ilmiah Raflesia Akuntansi
Publisher : Politeknik Raflesia Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53494/jira.v10i2.480

Abstract

This study aims to explore effective financial management strategies to support promotion programs or health programs at ABCD Hospital. By analyzing hospital financial data and conducting surveys and interviews with related staff, this research identifies inefficient spending patterns and evaluates their impact on the effectiveness of promotional programs in the healthcare industry. As a result of the research, the findings show that smarter financial management can increase the allocation of funds for more effective promotions, while also identifying areas where increased efficiency is needed. It is hoped that the results of this research will provide valuable insight for parties involved in hospital financial management, including administrators, financial managers and health practitioners. By implementing best practices in fund management, hospitals can increase the effectiveness of their health promotion programs, which in turn will contribute to improving overall community health
Penerapan Proses Manajemen Risiko Dalam Pengelolaan Keuangan Widianti, Bernadeta Endang; Yuwono, Minto; Susilowati, Etty
Jurnal Ilmiah Raflesia Akuntansi Vol. 10 No. 2 (2024): Jurnal Ilmiah Raflesia Akuntansi
Publisher : Politeknik Raflesia Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53494/jira.v10i2.484

Abstract

The shopping process cannot be separated from budget planning. The shopping process is strongly influenced by planning instruments. To make budgeting more measurable, a performance-based budgeting system is currently used. Every budget under this system must be created with output in mind. The method used in this paper is a combination of qualitative methods and library research. The aim of this paper is to evaluate various existing theories by comparing them with the available research literature. This paper discusses and analyzes theoretically based on the results of previous research regarding the Role of Risk Management. Based on the results of the discussion, even though the structured arrangement has only been running for 2 years, risk management has been implemented well. The risk map created is also sufficient to explain the possibility and impact of all financial management activities, especially for activities that have a very high level of risk, so that mitigation and follow-up plans can be created quickly. Recommended actions for very high level risks include: guidance and socialization of regulations as well as periodic evaluations to prevent KPA from doubling as PPK, socialization and information about BNT certification and training activities and compliance monitoring to ensure that competent treasurers are in each work unit. It is hoped that these recommendations will improve risk management and help achieve the Ministry's strategic objectives
Analysis of Factors Influencing Consumer Behavior and Repurchase Decisions of Street Food Vendors in Garut Regency Sahara, Vida Ayu; Nabhani, Irfan; Yuwono, Minto
Jurnal Inovasi Bisnis dan Kewirausahaan Vol 7 No 3 (2025): Business Innovation and Entrepreneurship Journal (August)
Publisher : Entrepreneurship Faculty, Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35899/biej.v7i3.1045

Abstract

This study aims to analyze the influence of price, vendor image, location, physical environment, and perceived nutritional value on repurchase decisions among consumers of street food vendors in Garut Regency. The increasing popularity of street food consumption highlights the importance of understanding the factors that influence consumer loyalty and repeat purchase behavior. This research uses a quantitative approach with a survey method. Data were collected through questionnaires distributed to 150 respondents who are consumers of street food across various areas in Garut Regency. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with the help of SmartPLS software. The results indicate that price, vendor image, physical environment, and perceived nutritional value have a positive and significant effect on repurchase decisions, while location does not show a significant influence. Among the five factors, vendor image and perceived nutritional value have the most dominant impact on consumers’ decisions to repurchase food from street vendors. These findings provide important implications for street food entrepreneurs to consider pricing strategies, improve business image, choose strategic locations, maintain the physical environment of their stalls, and provide clear information about the nutritional value of their products in order to increase customer satisfaction and loyalty.