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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERILAKU MASYARAKAT DALAM MENGELOLA KEUANGAN DENGAN NIAT SEBAGAI VARIABEL INTERVENING Anisa Rangkuti; Muhammad Fuad; Meutia Dewi
JURSIMA (Jurnal Sistem Informasi dan Manajemen) Vol 11 No 2 (2023): Volume 11 Nomor 2 2023
Publisher : INSTITUT TEKNOLOGI DAN BISNIS INDOBARU NASIONAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47024/js.v11i2.626

Abstract

This study aims to analyze the influence of several factors that are seen as influencing people's behavior in managing finances, with intention as an intervening variable. Independent variables include financial literacy, financial attitudes, and sources of income. The research location was in Yusuf Hasyem Hamlet, Gampong Tengoh - Langsa City, with 100 households as respondents. The data analysis method used is multiple linear regression analysis, path analysis, t-test, F-test, coefficient of determination and Sobel test. The results of the multiple linear regression show that financial literacy, financial attitudes, and identified intentions have a positive effect on people's financial management behavior; while the source of income has a negative effect on financial management behavior. Based on the results of the t-test, it is proven that financial literacy has no significant effect on financial management behavior; but on financial attitudes, sources of income and intentions proved to have a significant effect on financial management behavior. The results of the F-test show that financial literacy, financial attitudes, sources of income and intentions simultaneously have a significant effect on financial management behavior. Based on the results of the Sobel test, it was found that intention was not able to mediate financial literacy and income sources on financial management behavior, but was able to mediate financial attitudes towards financial management behavior. The results of the coefficient of determination of financial literacy, financial attitudes, sources of income and intention to contribute 20.8% while the remaining 79.2% are influenced by other variables not examined by this study.
APLIKASI METODE CAPITAL ASSET PRICING MODEL (CAPM) DALAM MEMPREDIKSI RETURN SAHAM YANG TERGABUNG DALAM INDEKS KOMPAS 100 PERIODE 2017-2021 Eva Azzahra; Muhammad Fuad; Dias Setianingsih
JURSIMA (Jurnal Sistem Informasi dan Manajemen) Vol 11 No 1 (2023): Volume 11 Nomor 1 2023
Publisher : INSTITUT TEKNOLOGI DAN BISNIS INDOBARU NASIONAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47024/js.v11i1.640

Abstract

This research aims to predict stock return using the Capital Asset Pricing Model (CAPM) method on stocks listed in the Compass100 Index for the period 2017-2021. This research population is companies listed in the Compass Index100 period February s.d July 2017. Sampling techniques with purposive sampling and obtained samples of 56 companies consistently listed in the Kompas100 Index period 2017-2021. This research is done by selecting efficient stocks. This study resulted that between beta and expected return there is an inverse relative relationship, so where the beta value is high then the share return rate will be low, as well as vice versa. Out of the 56 companies included in the survey, 31 are in efficient conditions and the remaining 25 are in inefficient conditions from 2017-2021. As for some factors that determine the classification is by comparing between Ri and E(Ri), if Ri > E(Ri) then the shares will be grouped into effective shares (undervalued) but instead if Ri < E(Ri) then those shares are grouped in ineffective shares. (overvalued). And if the results of the E(Ri) analysis show that the stock is efficient, then it is best for investors to buy or hold the stock to be used as an investment portfolio.
The Effect of Current Ratio, Debt to Equity Ratio, and Total Asset Turnover on Return on Equity in Oil and Gas Mining Companies Listed on the Indonesia Stock Exchange Period 2017-2021 Nanda Fitriyana; Muhammad Fuad; Meutia Dewi
Fin Sinergy: Jurnal Manajemen Keuangan Vol 1 No 1 (2023): Fin Synergy: Jurnal Manajemen Keuangan
Publisher : Doktoral Ilmu Manajemen, Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/fin.v1i1.410

Abstract

This study aims to determine the effect of Current Ratio (CR), Debt to Equity Ratio (DER) and Total Asset Turnover on Return On Equity (ROE) in Oil and Gas Mining Companies listed on the Indonesia Stock Exchange for the 2017-2021 period . The population in this study amounted to 19 companies and a sample of 14 companies using a purposive sampling technique. Methods of data analysis in this study using multiple linear regression analysis, t test, F test and test the coefficient of determination. The results showed Y = -0.473– 0.008X1 +0.012X2 +0.547X3. The results of the study using the t test show that partially Current Ratio and Total Asset Turnover have no significant effect on Return On Equity, for the Debt to Equity Ratio variable partially have a significant effect on Return On Equity. The results of the study using the F test show that the Current Ratio (CR), Debt to Equity Ratio (DER) and Total Asset Turnover simultaneously have a significant effect on Return On Equity (ROE). For the coefficient of determination test (Adjusted R2) a value of 97.7% was obtained and the remaining 2.3% was influenced by other factors not examined in this study.
Pengaruh Penggunaan Metode Cerpen Gram Terhadap Keterampilan Menulis Cerita Pendek Siswa Kelas XI SMA Negeri 1 Liwa Tahun Ajaran 2023/2024 Fitri, Elisa; Muhammad Fuad; Muharsyam Dwi Anantama
Edukasi Lingua Sastra Vol 22 No 1 (2024): Edukasi Lingua Sastra
Publisher : Universitas Muhammadiyah Kotabumi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47637/elsa.v22i1.941

Abstract

Abstract: This study is a quantitative research using experimental methods. The purpose of this study is to describe the effect of the method of using gram short stories on the short story writing skills of students in Grade XI of SMA Negeri 1 Liwa in the 2023/2024 academic year. Data collection techniques in this study using written test techniques. This study is a quasi-experimental study involving an experimental group that conducted learning by utilizing the gram short story method, while in the control group, the learning was carried out by conventional methods. The population in this study were all students of Class XI totaling 269 students, the sample was taken 11.89% of the population, resulting in a total sample of 32 students. The overall results of the study after writing using short stories gram students of Grade XI SMA Negeri 1 Liwa academic year 2023/2024 are in the very good category with an average value of 94.06, while the results of writing short stories students using ordinary short story lessons are in the category of 68.43, so it can be said that this study has an effect because the experimental results are included in the good category. Abstrak: Penelitian ini merupakan penelitian kuantitatif dengan menggunakan metode eksperimen. Tujuan dari penelitian ini ialah untuk mendeskripsikan pengaruh metode penggunaan cerpen gram terhadap keterampilan menulis cerita pendek siswa kelas XI SMA Negeri 1 Liwa Tahun Ajaran 2023/2024. Teknik pengumpulan data dalam penelitian ini menggunakan teknik tes tertulis. Penelitian ini merupakan studi kuasi eksperimen yang melibatkan suatu kelompok eksperimen yang melakukan pembelajaran dengan memanfaatkan metode cerpen gram, sedangkan dalam kelompok kontrol, pembelajaranya dilakukan dengan metode konvensional. Populasi dalam penelitian ini seluruh siswa kelas XI yang berjumlah 269 siswa, sampel penelitian diambil 11.89% dari populasi, sehingga diperoleh jumlah sampel sebanyak 32 siswa. Hasil penelitian keseluruhan setelah menulis menggunakan cerpen gram siswa kelas XI SMA Negeri 1 Liwa Tahun Ajaran 2023/2024 berada pada kategori sangat baik dengan nilai rata- rata 94,06, sedangkan hasil menulis cerpen siswa menggunakan pelajaran cerpen biasa berada pada kategori 68, 43 maka bisa dikatan penelitian ini berpengaruh karena hasil eksperimennya termasuk dalam kategori baik.
Penentuan Status Penerima Bantuan Indonesia Pintar pada SMKN 9 Bulukumba Dengan Metode Naive Bayes Muh Arfah Wahlil Pratama; Muhammad Fuad; Hazriani, Hazriani; Yuyun, Yuyun
Prosiding SISFOTEK Vol 7 No 1 (2023): SISFOTEK VII 2023
Publisher : Ikatan Ahli Informatika Indonesia

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Abstract

The Smart Indonesia Program (PIP) through the Smart Indonesia Card (KIP) provides educational cash assistance to school age children (6-21 years). KIP is part of the refinement of the Poor Student Assistance Program (BSM) since the end of 2014. SMKN 9 Bulukumba is located on Jalan Pendidikan No. 57, Tritiro Village, Bontotiro District, Bulukumba Regency. This vocational school is one of the vocational schools in the Bontotiro area that received funds from the Smart Indonesia Program (PIP). The PIP target at SMKN 9 Bulukumba is still not well targeted, due to the lack of criteria for the number of dependents. Therefore, the author added the criteria for the number of dependents in the research. This research was created based on previously existing data, namely 143 training data. Using the Naive Bayes method and with 6 attributes, namely Type of Residence, Number of Dependents, Parent's Occupation, Parent's Income, and KPS Recipient. using RapidMiner's supporting tools in testing the accuracy of the Naive Bayes method. The results of accuracy testing obtained using the RapidMiner application and manual calculations obtained an accuracy of 74.00% and the resulting classification was included in the Good Classification group because the AUC value obtained from testing based on the ROC curve using the Naive Bayes method was 0.860. So, it can be concluded. that the Naive Bayes Algorithm can be applied to determine the feasibility of accepting the Smart Indonesia program for students of SMKN 9 Bulukumba
Implementasi Klasifikasi Naive Bayes Dalam Memprediksi Lama Studi Mahasiswa Muhammad Fuad; Muhammad Arfah Wahlil; Hazriani, Hazriani; Yuyun, Yuyun
Prosiding SISFOTEK Vol 7 No 1 (2023): SISFOTEK VII 2023
Publisher : Ikatan Ahli Informatika Indonesia

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Abstract

Under normal conditions, undergraduate or undergraduate students from a university can complete their studies for 4 years or 8 semesters. In fact, many students complete their study period of more than 4 years. It is known that in the academic year 20XX/20XX there were 161 people who were accepted as students. Of the 161 people admitted, 100 people have completed their study period of about 4 years and the remaining 61 people have completed their studies for 5 years. Based on the problems above, this research implements a classification that can help the university predict the length of study of students who are currently studying in various study programs at the University. The method that the author presents in the classification for predicting the length of a student's study period is the Naive Bayes Algorithm. By using the Java-based Rapid Miner tool to classify graduation data. Then the implementation of data mining which is divided into 136 data training data and 25 data testing data with naive Bayes managed to obtain an accuracy rate of 82% which is also a relatively good parameter.
Penerapan Metode Importance Performance Analysis dan Customer Satifaction Index di Puskesmas Langsa Lama safrizal; Merlianita Sari, Novi; Muhammad Fuad
Jurnal Manajemen dan Perbankan (JUMPA) Vol. 10 No. 3 (2023): Jurnal Manajemen dan Perbankan (JUMPA)
Publisher : Sekolah Tinggi Ilmu Ekonomi Y.A.I - Jakarta - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55963/jumpa.v10i3.582

Abstract

Penelitian ini bertujuan untuk mengetahui kualitas pelayanan di Puskesmas Kecamatan Langsa Lama berdasarkan importance performance. Sampel dalam penelitian ini berjumlah 384 orang. Metode yang digunakan yaitu metode Importance performance analysis (IPA) untuk mengukur tingkat kepuasan seseorang atas kinerja pihak lain dan metode customer satisfaction index (CSI) untuk menentukan tingkat kepuasan konsumen secara menyeluruh. Dengan pendekatan yang memperhitungkan tingkat kepentingan dan kinerja dari atribut-atribut yang diukur. Dari hasil pemetaan atribut dengan menggunakan metode importance performance analysis (IPA), bahwa atribut yang sangat penting menurut para responden adalah atribut 14 yaitu petugas Puskesmas Kecamatan Langsa Lama selalu melayani pasien dengan penuh kesetiaan. Pasien yang berobat di Puskesmas Kecamatan Langsa Lama tidak semuanya memiliki kondisi fisik yang baik saat berobat, sehingga mereka membutuhkan pelayanan yang cepat. Sedangkan atribut yang paling rendah nilai kepentingannya adalah atribut 12 yaitu pelayanan pada Puskesmas Kecamatan Langsa Lama tidak membedakan status sosial. Responden beranggapan bahwa di Puskesmas Kecamatan Langsa Lama tidak ada yang membeda-bedakan status sosial. Berdasarkan hasil perhitungan CSI (customer satisfaction index) diperoleh nilai CSI 83,76%. Berdasarkan kriteria nilai CSI maka hasil nilai CSI pada kepuasan pasien di Puskesmas Kecamatan Langsa Lama dikatakan sangat puas dengan nilai CSI 83,76%.
DETERMINAN KONSERVATISME AKUNTANSI PADA PERUSAHAAN SEKTOR ENERGI YANG TERDAFTAR DI BEI Abdil Alfaresi; Muhammad Fuad; Nasrul Kahfi Lubis; Meutia, Tuti
Jurnal Mahasiswa Akuntansi Samudra Vol 5 No 3 (2024)
Publisher : Program Studi Akuntansi, Fakultas Ekonomi. Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmas.v5i3.10484

Abstract

This study intends to discuss the effect of capital intensity, dividend payout ratio and financial distress on accounting conservatism of energy sector companies listed on the IDX. This research was conducted at Energy Sector Companies Listed on the Indonesia Stock Exchange (IDX) using secondary data obtained from published company financial reports. The data analysis method used is multiple linear regression and uses statistical tools, namely SPSS software. The results of this study indicate that Capital Intensity has a significant effect on Accounting Conservatism, Dividend Payout Ratio has a significant effect on Accounting Conservatism, Financial Distress has no significant effect on Accounting Conservatism and Capital Intensity, Dividend Payout Ratio and Financial Distress simultaneously have a significant effect on Accounting Conservatism.
Peningkatan Literasi Keuangan: Pendidikan Perencanaan Keuangan Personal di Kalangan Komunitas Guru SMK “Musyawarah Guru Mata Pelajaran (MGMP)” Kabupaten Malang Muhammad Fuad
MENGABDI : Jurnal Hasil Kegiatan Bersama Masyarakat Vol. 1 No. 6 (2023): Desember : MENGABDI : Jurnal Hasil Kegiatan Bersama Masyarakat
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/mengabdi.v1i6.425

Abstract

Financial literacy has been proven to have a positive effect on increasing economic welfare. Apart from that, financial literacy is also needed to mitigate the risk of crime or fraud which often occurs in the world of financial investment. Considering the importance of financial literacy, service activities through the personal financial planning education program are held to create people who are aware of the importance of financial planning. The activity was held for the community of vocational school teachers in Malang Regency (MGMP Malang). The results of the activity showed good enthusiasm from the participants. Participants felt they had gained new knowledge in the world of finance and planning. Changes in behavior and views about finances were also visible from what participants said after the training program
PENGEMBANGAN METODE IDENTIFIKASI KARAKTERISTIK MINYAK BERAT HASIL EKSTRAKSI OIL SAND ILIRAN HIGH DENGAN FORMULA PERHITUNGAN BERDASARKAN KOMPOSISI ELEMENTER Muhammad Fuad; Dwi Endah Rachmawati; Leni Herlina; Daliya Indra Setiawan; Rezky Iriansyah Anugrah
Lembaran Publikasi Minyak dan Gas Bumi Vol. 56 No. 2 (2022): LPMGB
Publisher : BBPMGB LEMIGAS

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Abstract

Sampai saat ini, minyak bumi masih memiliki peran strategis sebagai sumber energi bagi aktivitas kehidupan manusia. Akan tetapi, kebutuhan minyak bumi tidak diimbangi dengan cadangan yang ada. Oleh karena itu, minyak non-konvensional seperti minyak berat Iliran High perlu dikembangkan lebih jauh sebagai salah satu sumber cadangan minyak masa depan. Identifikasi sifat karakteristik minyak ini sangat penting karena menjadi tolok ukur mutu dan potensi umpan kilang minyak bumi. Namun identifikasi minyak hasil ekstraksi oil sand tidak mudah, karena sifatnya yang berat, sulit mengalir serta hasil (yield) yang sedikit. Minyak Iliran High diperoleh dengan mengekstrak oil sand menggunakan berbagai pelarut organik. Larutan hasil ekstraksi lalu dipisahkan dari padatan dengan proses filtrasi (penyaringan). Untuk merekoveri minyak dari pelarut dilakukan proses evaporasi sehingga diperoleh ekstrak berupa minyak berat dan rafinat (pelarut yang sudah tidak mengandung minyak) yang dapat digunakan kembali (diregenerasi) untuk proses ekstraksi selanjutnya. Kemudian dilakukan pengujian laboratorium untuk mengetahui specific gravity, gross heat value dan komposisi elementer. Berdasarkan data tersebut, dapat dilakukan identifikasi minyak berat Iliran High denfgan pendekatan rumus perhitungan untuk menentukan sifat karakteristik minyak berat seperti: rasio H/C, nilai kalor, bobot molekul, titik didih rerata, nilai faktor KUOP, titik anilin, titik tuang, viskositas, residu karbon, kandungan aspalten dan kadar aromatik. Karakterisasi minyak Iliran High menunjukkan komposisi elementer C, H, O, N dan S masing-masing sebesar 85,39 – 88,12%wt, 11,34 – 12,26%wt, 0,10 – 0,12%wt, 0 – 2,55%wt, dan >0,01%wt. Minyak Iliran High merupakan minyak berat, sweet crude dan dikategorikan sebagai minyak naftenik, dengan kadar aromatik ~40%.
Co-Authors Abdil alfaresi Abdil Alfaresi Agung Kurniawan Ahmad Sarjuni Alben Ambarita Alexandro Bomasati Anastasia Asih Kartikawaty Andhika Patria Anggun Setiana Anisa Rangkuti Annisa Chairiyah Ari Pahala Hutabarat Ayuning Tyas Purwaningrum Badiah Badiah Bayu Andika Bela Fransiska Bella Aulia Rahmah Daliya Indra Setiawan Desyandri Desyandri Deta Kristiana Devi Nurmalasari Dewi Kartika Sari Dias Setianingsih Dona Ratnasari Dwi Endah Rachmawati Edi Suyanto Edi Suyanto Eka Sofia Agustina Eni Hastuti Epri Fitriyani Era Octafiona Erika Pratiwi Erwin Saputra Eva Azzahra Fahreza Chandra W Fajar Indah Sari Fani Santi Aziza farida ariyani Fathly Husnawan Febry Wicaksono Fitri, Elisa Fredi Tenang Hana Yakfi Aningsih hasyimkan hasyimkan Hazriani, Hazriani Herni Idayati Hesti Hesti Holyness Nurdin Singadimedja I Wayan Jastra I Wayan Mustika Ibrahim Toha Ike Purnama Sari Irwandi Irwandi Ishariyanti Ishariyanti Izzalqurny, Tomy Rizky Jamhari Jamhari Jelang Ramadhan Julianto Julianto Juwairiyah Juwairiyah Kahfie Nazaruddin Karomah Widianingsih, Karomah Karomani Karomani LENI HERLINA Lily Harjati M Yanuardi Zain Maemunah Maria Regina Maharani Meliza Meliza Merlianita Sari, Novi Meutia Dewi Meutia Dewi Mira Salviani Mudinillah, Adam Muh Arfah Wahlil Pratama Muhammad Arfah Wahlil Muhammad Iman Jauhari Muhammad Riswan Muhammad Sabilli Muharsyam Dwi Anantama Mulyanto Widodo Mulyanto Widodo Munaris . Nabila Aura Dewanti Nadya Arizona Nanda Fitriyana Nasrul Kahfi Lubis Nila Candra NOVITA WATI Nur Fasila Nurlaksana Eko Rusminto Nurria Mafri Atun okta muhlis putra Paingan Paingan Preni Reliyanti Pungki Wahana Putra Puspita Sari Putri Indriyani Putu Debby Yolanda Rani Oktarina Ratih Amalia Wulandari Raul Gonzales Rendi Deswantoni Rengga Pinaris Reny Handayani Restty Purwana Suwama Rezky Iriansyah Anugrah Rhisma Wahyuni Riana Dwi Putra Rini Susianti Riri Savitri Riska Dwi Aprilia Risqah Amaliah Kasman Rizki Faradila Saddam Emir Pratama Safrizal Salsabila, Unik Hanifah santi noviyana Shera Lovina Sidi Hermanto Siti Samhati Siti Samhati Sriana Ezabella Sukmawati Sukmawati Sumarti Sumarti Sunarti, Iing susi wedhyaningsih Susi Wendhaningsih susi wenhaningsih Syardiansah, Syardiansah Tatas Ridho Nugroho Tika Yuni Arsita Tuti Meutia Vhica Penida Wahyu Hidayat Wildan Amadi Winnugroho Wiratman, Manfaluthy Hakim, Tiara Aninditha, Aru W. Sudoyo, Joedo Prihartono Wira Apri Pratiwi Yesi Desiana Yuli Hariyanto Yuningsih Yuningsih Yusfa Fitri Meza Yuyun, Yuyun