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All Journal YUME : Journal of Management STI Policy and Management Journal Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Edueco Jurnal Ilmu Manajemen Profitability Quantitative Economics and Management Studies Movere Journal Al-Buhuts (e-journal) Atestasi : Jurnal Ilmiah Akuntansi Arunika: Jurnal Pengabdian Masyarakat ABDINE :Jurnal Pengabdian Masyarakat
Thaha, Salmiyah
Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara
Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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PENTINGNYA FINANCIAL LITERACY DALAM TATA KELOLA KEUANGAN PRIBADI (SUATU STUDI PUSTAKA) Salmiyah Thaha
Jurnal Edueco Vol. 4 No. 1 (2021): Juni
Publisher : Prodi Pendidikan Ekonomi Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/edueco.v4i1.79

Abstract

Tujuan pengelolaan keuangan ini adalah agar kita terhindar dari kondisi lebih banyak hutang daripada pemasukan. Literasi keuangan adalah kemampuan (kecakapan) seseorangan dalam membuat keputusan yang efektif berhubungan dengan keuangannya. Literasi keuangan membantu individu terhindar dari masalah keuangan terutama yang terjadi akibat kesalahan pengelolaan keuangan. Pentingnya literasi keuangan dalam bentuk semua aspek keuangan pribadi bukan karena untuk mempersulit dalam menggunakan uang yang mereka miliki, tetapi diharapkan individu dapat menikmati hidup dengan menggunakan sumber daya keuangan yang dimiliki dengan tepat. Dengan pengelolaan keuangan yang tepat yang ditunjang dengan literasi keuangan yang baik, maka taraf hidup masyarakat diharapkan akan meningkat, karena walau bagaimanapun tingginya tingkat penghasilan seseorang tapi tanpa pengelolaan keuangan yang tepat, keamanan finansial pasti akan sulit tercapai. Literasi keuangan yang baik dapat melindungi masyarakat dari berbagai modus tindak penipuan keuangan. Dengan memahami dan melaksanakan manajemen keuangan pribadi, maka kita telah mengetahui tujuan tertinggi dan bagaimana mencapainya. Pengelolaan keuangan pribadi sangat membantu untuk menjalani aktivitas secara terencana secara finansial. Literasi keuangan dalam bentuk pemahaman terhadap semua aspek keuangan pribadi bukan ditujukan untuk mempersulit atau mengekang orang dalam menikmati hidup, tetapi justru dengan literasi keuangan, individu atau keluarga dapat menikmati hidup dengan mendayagunakan sumberdaya keuangannya dengan tepat dalam rangka mencapai tujuan keuangan pribadinya.
Analisis Pengaruh Harga dan Kualitas Layanan terhadap Keputusan Konsumen Menggunakan Jasa Transportasi Online Maxim di Makassar Kapriani Kapriani; Asmawiyah Asmawiyah; Salmiyah Thaha; Hariyanti Hariyanti
Al-Buhuts Vol. 17 No. 1 (2021): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (553.943 KB) | DOI: 10.30603/ab.v17i1.2251

Abstract

This study aims to determine the effect of price and service quality on consumer decisions to use Maxim online transportation services in Makassar. The data collection technique was done by interview and questionnaire. The data used in this study are primary and secondary data. This research uses incidental sampling method with a sample size of 84 respondents. The results showed that based on multiple linear regression analysis showed that the variable price (X1) and service quality (X2) had a positive influence on consumer decisions. From the results of the calculation of the correlation coefficient (R) test, the R value is 0.828, indicating a very strong correlation. The coefficient of determination (R2) is 0.686. This means that the consumer's decision to use Maxim online transportation services is influenced by the price and service quality of 68.6%. Based on the results of the t test, it shows that the variable price (X1) and service quality (X2) have a significant effect on consumer decisions to use Maxim online transportation services in Makassar. The F test shows that the variable price and service quality simultaneously have a significant effect on consumer decisions to use Maxim online transportation services in Makassar. Thus the hypothesis proposed in this study is accepted.
Value Added Intellectual Coefficient on Banks Performance in Indonesia Salmiyah Thaha; Syarifuddin Sulaiman
Quantitative Economics and Management Studies Vol. 3 No. 1 (2022)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (342.173 KB) | DOI: 10.35877/454RI.qems854

Abstract

Banks in Indonesia, both state-owned and private, have realized the importance of intellectual capital as a substantial part in achieving sustainable bank business growth. The population of this research is banking in Indonesia which consistently publish its financial position on an annual basis. Determination of the sample is carried out with a purposive approach, the sample of this research is banks that are listed on the Indonesia Stock Exchange and publish annual financial statements for the period 2018 - 2021. The analysis technique in this study uses simple linear regression analysis. The results show that each model from 2018-2021 shows a low value. The implication of this research is that the better the VAIC value, the more efficient the value creation of all resources will be.
The Effect Of Current Ratio (CR) and Debt to Equity Ratio (DER) On Return On Asset (ROA) (Study at PT. Suryamas Dutamakmus, Tbk) Salmiyah Thaha; Mayang Sari
Movere Journal Vol 5 No 1 (2023)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v5i01.322

Abstract

This study aims to determine the development of Current Ratio (CR), Debt to Equity Ratio (DER), Return on Assets (ROA) and to determine the effect of CR and DER on ROA either partially or simultaneously. The research method used is a quantitative method, namely research that analyzes and describes in detail the condition of the company using data from financial reports. The research object is PT. Suryamas Dutamakmur, Tbk. The financial report data used is 2012 – 2022. The results of the Current Ratio (CR) study have an effect and are not significant on Return On Assets at PT. Suryamas Dutamakmur, Tbk. This is evidenced by the results of the tcount value of 0.903 and ttable of 2.776 with a significance value (sig) of 0.335 where the value of 0.335 > 0.05. The results of the Debt to Equity (DER) study have an effect and are not significant on Return On Assets at PT. Suryamas Dutamakmur, Tbk. this can be proven from the results of the tcount value of 0.280 and ttable of 2.776 with a significant value (sig) of 0.950 where the value of 0.950 > 0.05. The results of the study simultaneously Current Ratio (CR) and Debt to Equity Ratio (DER) have an effect and are not significant on Return On Assets (ROA) at PT Suryamas Dutamakmur, Tbk. This can be proven from the results of obtaining an Fcount value of 0.632 and Ftable of 5.79 with a significant value of 0.632 where the value of 0.997 > 0.05.
Determining Factors of Financial Distress in Property and Real Estate Companies Listed on the Indonesia Stock Exchange Salmiyah Thaha; Indra Diputra; Hariyanti Hariyanti; Mulyana Machmud
Jurnal Ilmu Manajemen Profitability Vol 7, No 2 (2023): AGUSTUS 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v7i2.10771

Abstract

The objective of this study is to investigate the impact of the Current Ratio, Debt to Equity Ratio, and Return On Assets on the occurrence of Financial Distress within Property and Real Estate companies listed on the Indonesia Stock Exchange (IDX) over the period from 2019 to 2021. The study aims to discern whether these factors exhibit an influence, either individually or collectively. The sample selection process employed purposive sampling, leading to the inclusion of 18 companies that met specific criteria. The analytical approach utilized in this study involves multiple linear regression analysis, conducted through the Statistical Package for the Social Sciences (SPSS). The findings indicate that, on an individual basis, the Current Ratio and Return On Assets significantly impact financial distress, whereas the Debt to Equity Ratio exhibits significance in property and real estate companies. Furthermore, when considering all three factors simultaneously, the research demonstrates that the Current Ratio, Debt to Equity Ratio, and Return On Assets collectively exert a significant impact on financial distress within property and real estate sector companies listed on the Indonesia Stock Exchange.
Net Interest Margin, Non-performing Loans, Capital Education Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange Hariyanti Hariyanti; Salmiyah Thaha; Lasty Agustuty D
Jurnal Ilmu Manajemen Profitability Vol 8, No 1 (2024): FEBRUARI 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v8i1.14190

Abstract

This study aims to analyze the Net Interest Margin, Non-performing Loans, Capital Education  Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange. The type of data used in this research is quantitative and qualitative data while the data source used is secondary data. The research was conducted using data from annual published financial reports for a period of 10 years, from 2012 to 2021. The research variables consisted of the independent variables, namely NIM, NPL, CAR, and the dependent variable, namely ROA. The analytical method used is multiple linear regression analysis, and hypothesis testing. Net Interest Margin at BUMN banks has a significant influence on return on assets. Non-performing loans at Bank Mandiri have a significant influence on return on assets, meanwhile at Bank BTN, BRI and BNI, they have no significant effect on return on assets. Capital Education Ratio at BRI bank has a significant effect on return on assets, meanwhile Bank Mandiri, BTN, and BNI have no significant effect on return on assets.
EFFECT OF WORKING CAPITAL TURNOVER AND TURNover INVENTORY ON PROFITABILITY AT PT. SIANTAR TOP, Tbk Thaha, Salmiyah; Arnida, Arnida; Meda, Tamrin
Jurnal Edueco Vol. 6 No. 2 (2023): Desember
Publisher : Prodi Pendidikan Ekonomi Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/edueco.v6i2.181

Abstract

Effect of working capital turnover and inventory turnover on profitability (ROA) at PT. Siantar Top, Tbk. Supervised by Salmiyah Thaha and Jumria. The purpose of this study was to determine the effect of working capital turnover and inventory turnover on profitability (ROA) at PT. SiantarTop, Tbk. The type of data used in this research is qualitative and quantitative data. Source of data used in this research is secondary data. The analytical method used is multiple linear regression analysis, coefficient of determination, correlation coefficient, t test, and F test. The results of this study show the regression equation Y = 11,444 + 0,107X1 + 2,172X2, the coefficient of determination (R2) = 78,20% and correlation coefficient (R) = 0,884. Based on the t test b1 tcount 0,723 < ttable 2,015, b2 tcount 3,748 ttable < 2,015 and through the F test obtained Fcount 8,886 < Ftable 5,790. The results showed that working capital turnover (X1) partially had a positive and insignificant effect on profitability (ROA) while inventory turnover (X2) partially had a positive and not significant effect on profitability (ROA), and simultaneously working capital turnover and turnover Inventory has no significant effect on profitability (ROA) at PT. SiantarTop, Tbk.
Fostering Employee Job Satisfaction in The Hospitality Industry: The Role of Organizational Culture, Motivation, and Appraisals Mediated by Service Innovations Case of Hotels in Bali Hatidja, St; Syahribulan, Syahribulan; Thaha, Salmiyah; Jamaluddin, Jamaluddin; Azizurrohman, Muhammad
STI Policy and Management Journal Vol 9, No 2 (2024): STI Policy and Management
Publisher : National Research and Innovation Agency, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/STIPM.2024.402

Abstract

This study examines how organizational culture, employee motivation, and performance appraisal impact job satisfaction, moderated by the work environment, within Bali’s hotel industry. Using a structured questionnaire, data from 305 employees were analyzed with SmartPLS to assess validity, reliability, and test hypotheses. Results reveal that organizational culture, employee motivation, and performance appraisal significantly enhance job satisfaction. The work environment strengthens these relationships, shown by path coefficients of 0.242 for culture, 0.136 for motivation, and 0.467 for appraisal. Findings underscore the importance of a supportive work environment in maximizing HRM efforts. Managers should cultivate a positive culture, motivate employees, and ensure fair appraisals to improve satisfaction, retention, and service quality. Self-reported data may introduce bias, limiting the generalizability across different hotel settings
Determinan Struktur Modal Pada Bank Syariah Di Indonesia Agustuty, Lasty; Thaha, Salmiyah; Afriyani, Afriyani
YUME : Journal of Management Vol 7, No 3 (2024)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v7i3.7100

Abstract

Penelitian ini bertujuan untuk menganilisis faktor-faktor yang mempengaruhi  struktur modal Bank pada Umum Syariah di Indonesia. Penelitian ini menggunakan sampel pada 5 Bank Umum Syariah (BUS) yang mempublikasi keuangan triwulan periode 2019-2023. Data yang digunakan pada penelitian ini adalah data sekunder yang diperoleh dari website resmi bank syariah serta website resmi OJK. Metode pengambilan sampel pada penelitian ini menggunakan purposive sampling. Metode analisis data yang digunakan yaitu uji regresi data panel dengan menggunakan software Eviews. Penelitian ini menggunakan variable independen berupa ukuran perusahaan (total aset), profitabilitas (ROA), likuiditas (FDR) dan menggunakan variabel dependen yaitu struktur modal (DER). Hasil penelitian ini menunjukkan ukuran perusahaan dan likuiditas berpengaruh negatif signifikan terhadap strukur modal, sedangkan profitabilitas berpengaruh negatif tidak signifikan terhadap strukur modal.Kata Kunci : Struktur modal, ukuran perusahaan, profitabilitas, dan likuiditas.
Effect of Knowledge and Locus Of Control on Intellectual Capital and Quality of Financial Reports Salmiyah Thaha; Irdawati Irdawati; Hariyanti Hariyanti; Leni Saleh; Hardiyono Hardiyono
Atestasi : Jurnal Ilmiah Akuntansi Vol. 5 No. 1 (2022): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v5i1.368

Abstract

This study aims to determine the effect of knowledge and locus of control on intellectual capital and its impact on the Quality of Financial Reports at PT. State Electricity Company (PLN) for Wajo, Bone, and Pare-Pare regions. The data in this study were obtained from each manager of PT. PLN (Persero) in Wajo, Bone and Pare-Pare areas. In this study, we used primary data by giving questionnaires/question sheets directly to 36 respondents. The data analysis method used is Structural Equation Model (SEM) analysis using Smart-PLS. The results showed that the knowledge variable had a positive effect on intellectual capital and the quality of accounting information reporting, and locus of control had a negative and significant impact on intellectual capital and the quality of accounting information reporting. The knowledge variable positively and significantly affects the quality of Financial Reports through intellectual capital. In contrast, locus of control significantly negatively affects the quality of Financial Reports through intellectual capital. The results of this study are used as information and input for company leaders in the context of making decisions and policies according to the quality of accounting information reporting. The results of this study can also be used for other researchers and parties who need it as a source of reference and information that can later be used for further research.
Co-Authors Afriyani Afriyani Andi Rosdianti Razak, Andi Rosdianti Apiaty K Amin Arnida Arnida Asmawiyah Asmawiyah Azizurrohman, Muhammad Hardiyono Hariyanti Hariyanti Hariyanti Hariyanti Hariyanti Hariyanti Hasniati Hasniati Hasniati, Hasniati Hatidja, St Idja, St.Hatidja Indra Diputra Irdawati Irdawati Jamaluddin Jamaluddin K Amin, Apiaty Kapriani Kapriani, Kapriani Lasty Agustuty Leni Saleh Lina - Mariana, Lina - Mashuri, Arif Mayang Sari Meda, Tamrin Muhammad Yusuf Mulyana Machmud Parenden, Adrianus Permatasari, Nur Indah R, Abdul Latief Rachman, Sitti Hartini Sahrullah Sahrullah Sangkala, St. Fatimah Sitti Rahimah St. Hatidja Sukriani Kursia, Sukriani Sulaiman, Syarifuddin Syahribulan Syahribulan, Syahribulan