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All Journal JURNAL PENDIDIKAN TAMBUSAI Ekonis : Jurnal Ekonomi dan Bisnis Jurnal Vokasi Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Tinta: Jurnal Ilmu Keguruan dan Pendidikan JUSIE (Jurnal Sosial dan Ilmu Ekonomi) Journal Of Human And Education (JAHE) Optimal: Jurnal Ekonomi dan Manajemen Mamangan Social Science Journal Journal of Artificial Intelligence and Digital Business Jurnal Penelitian Ekonomi Manajemen dan Bisnis Journal of Management and Creative Business Journal of Management Education Social Sciences Information and Religion Journal of International Accounting, Taxation and Information Systems
Arfimasri, Arfimasri
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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PENGARUH PRILAKU NASABAH DAN KARAKTER INDIVIDU TERHADAP PENGAJUAN KREDIT DI PT. BPR DURIAN MANDIRI KOTA SAWAHLUNTO Zakiyah, Dzikra; Yeni, Afni; Arfimasri, Arfimasri
Ekonis: Jurnal Ekonomi dan Bisnis Vol 26, No 1 (2024): JURNAL EKONOMI DAN BISNIS (EKONIS)
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/ekonis.v26i1.5016

Abstract

Abstract: This study aims to analyze the influence of customer behavior and individual character on credit applications at PT. BPR Durian Mandiri Sawahlunto City. The sample in this study were 50 respondents with accidental sampling method. Based on the results of multiple linear regression analysis of the variables of Customer Behavior and Individual Character on Credit Submission with a value of Y = 24.613 + 0.052 (X1) + 0.458 (X2) + e. From the t test conducted on the variable X1 + 0.052 (X1) + 0.458 (X2) + e. From the t test conducted on variable X1, namely Customer Behavior with a t-count value greater than the t-table 2.276 2.012, which means that the Customer Behavior variable affects Credit Submission, as for variable X2, namely Individual Character, the t-count value is greater than the t-table 2.391 2.012, which means that Individual Character affects Credit Submission. While the results of the f-test analysis obtained an f-count value greater than the f-table, namely 3.523 3.19, which means that Customer Behavior and Individual Character together have an effect on Credit Submission.Keyword : Customer Behavior, Individual Character, Credit Application.
PACKAGING SEBAGAI SALAH SATU PEMASARAN TERBAIK: UMKM KRIPIK TALAS NAGARI KOTO ANAU Nirwana, Ida; Defitri, Siska Yulia; Nurhayati, Nurhayati; Roza, Seflidiana; Sriyanti, Esi; Yeni, Afni; Lina, Lina; Putra, Ramadhani Kirana; Nasrah, Rasidah; Arfimasri, Arfimasri
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 4 (2024): Volume 5 No. 4 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i4.33110

Abstract

Kegiatan pengabdian bertujuan untuk membantu wirausahaan dilingkup UMKM agar dapat meningkatkan penjualannya dan menambah pendapatan melalui pemberian wawasan berharga mengenai peran strategis kemasan dalam pemasaran produk UMKM. Melalui metode partisipatif dan lokakarya interaktif, pelaku usaha memperoleh pemahaman mendalam dan keterampilan praktis dalam merancang kemasan yang lebih menarik, informatif, dan fungsional. Secara keseluruhan, kegiatan pengabdian ini berhasil mencapai tujuan utamanya: meningkatkan pemahaman dan keterampilan pelaku usaha UMKM dalam menggunakan kemasan sebagai strategi pemasaran yang efektif. Hasil ini diharapkan dapat menjadi inspirasi bagi UMKM lainnya untuk lebih memperhatikan aspek kemasan dalam strategi pemasaran mereka, sehingga dapat bersaing lebih baik di pasar yang kompetitif dan meningkatkan kesejahteraan melalui usaha kecil dan menengah yang lebih sukses dan berkelanjutan. Kegiatan ini juga menegaskan bahwa dukungan dan bimbingan yang tepat dapat membantu UMKM mengoptimalkan potensi mereka dan berkontribusi lebih signifikan terhadap perekonomian lokal
Measurement of Company Financial Performance Using Debt to Equity Ratio and Debt to Total Asset Ratio in Mining Companies in Indonesia Roza, Seflidiana; Arfimasri, Arfimasri; Meilani, Intan
Journal of International Accounting, Taxation and Information Systems Vol. 2 No. 4 (2025): November
Publisher : CV. Proaksara Global Transeduka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70865/jiatis.v2i4.117

Abstract

This research assesses how debt ratios influence the financial performance of Indonesian coal mining firms by utilizing regression analysis. A sample of 23 coal mining companies listed on the Indonesia Stock Exchange was studied, chosen through purposive sampling from a total of 33 companies between 2020 and 2023. Statistical analysis reveals that Debt to Equity Ratio significantly affects Financial Performance (ROE), demonstrated by a t-test significance value of 0.001 < α 0.05 and t-value of -3.390 > t-table 1.667. Similarly, Debt to Total Asset Ratio shows significant partial impact on ROE, with t-test results indicating significance of 0.005 < α 0.05 and t-value of 2.912 > t-table 1.667. The F-test confirms that both debt ratios simultaneously influence financial performance, showing significance of 0.003 < α 0.05 and f-value of 6.169 > f-table 3.130. The 0.152 R-squared value suggests that 15.2% of the variability in ROE is accounted for by the independent variables, leaving 84.8% of the variability to be influenced by unexamined factors in this research. The findings demonstrate that debt management strategies significantly impact financial performance in the coal mining sector.
Community Empowerment through Financial Literacy and Management to Build Sustainable MSMEs in Solok Regency, West Sumatra Mursalini, Wahyu Indah; Yeni, Afni; Sriyanti, Esi; Arfimasri, Arfimasri; Hassan, Mohamed Ayyub
Jurnal Mamangan Vol 15, No 1 (2026): Jurnal Ilmu Sosial Mamangan Accredited 2 (SK Dirjen Ristek Dikti No. 0173/C3/DT
Publisher : LPPM Universitas PGRI Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22202/mamangan.v15i1.10293

Abstract

Understanding the basic concepts of financial literacy and management of MSMEs in Solok Regency is still low, resulting in slow economic growth. The purpose of this study to analyze how community empowerment through financial literacy and management can build sustainable MSMEs in Solok Regency. The research method used is a quantitative approach, with MSMEs in the food and beverage sector as the unit of analysis. The data used are primary data, collected using purposive sampling through surveys and questionnaires from 90 respondents using a Likert scale. Data analysis uses statistical analysis with the Multiple Linear Regression method using the SPSS program, whose stages include: validity, reliability, t, f, and determination tests. The results show that the interaction of financial literacy and management complement and strengthen each other in influencing to performance MSMEs the food and beverage sector in Solok Regency. Between the two variables, financial literacy has a significant influence on MSME performance. Financial management practices demonstrate the need for awareness of the importance of good financial management. However, there is still room for improvement, particularly in financial education, the use of technology, and the development of a more formal management system. Theoretically, the concept of innovation and sustainable knowledge in financial management will enable MSMEs to make wise decisions for the sustainability of their businesses. Practically, these findings imply the importance of training and support from the government or relevant institutions. Therefore, this study makes a significant contribution to community empowerment in MSME development, economic growth, and national development. With an increasingly complex economy and the needs of individuals, groups, and governments, it is crucial for MSME performance to be managed and adapted to developments in science and technology.
Co-Authors Azzahra, Aziza Azulyo Egia Okta Syafitri Endarwita Esi Sriyanti Fariski, Rendi Hassan, Mohamed Ayyub Hendrayani, Eka Ida Nirwana Lina Lina Meilani, Intan Muhammad Ihsan Mursalini, Wahyu Indah Nanda Julianda Nasrah, Rasidah nazif, muhammad Netti Indrawati Ningsih, Andria Nirwana, Ida Nurhayati Nurhayati Pratama, Yogi Putra, Ramadhani Kirana Putri, Nabila Putri, Nabila` Roza, Seflidiana Siska Yulia Defitri Sriyanti, Esi Susanti, Mutia syamsyir, Syamsyir Wahyu Indah Mursalini Yeni, Afni Yuldesnita, Putri Yulhan, Yulhan Yuli Carmela Yuliza, May Zakiyah, Dzikra