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All Journal Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Pengabdian Masyarakat Bhinneka Ranah Research : Journal of Multidisciplinary Research and Development
Kurniawan, M. Yusuf
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Agriculture, Biological Sciences & Forestry Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Transportation Other

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Pre- And Post-Pandemic Financial Performance: Comparative Analysis Of Profitability, Liquidity, And Solvency Ratios In The Idx Lq45 Banking Sector (2019-2023) Napitupulu, Tesalonikayani; Kurniawan, M. Yusuf; Arumsari, Yuni Kusuma
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 10 No. 2 (2025): September
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v10i2.6964

Abstract

This study analyzes the financial performance of five banking companies in the IDX LQ45 index during 2019–2023, focusing on profitability, liquidity, and solvency before and after the COVID-19 pandemic. A descriptive quantitative approach is employed using secondary data from annual financial statements. The analysis utilizes financial ratios, including Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM) for profitability; Current Ratio (CR) and Quick Ratio (QR) for liquidity; and Debt to Equity Ratio (DER) and Debt to Assets Ratio (DAR) for solvency. The data is analyzed using the Paired Sample T-Test in SPSS version 29. The findings indicate a significant decline in profitability during the pandemic, followed by a recovery trend in 2023. Liquidity and solvency remained stable due to government interventions and effective risk management. These results provide insights for regulators and investors regarding the banking sector’s resilience against economic shocks and the effectiveness of risk mitigation strategies.
The Influence of Trust and Perceived Ease of Use on the Adoption of Digital Wallets as an Alternative Payment among Gen Z Mediated by User Satisfaction Violettasari, Yolanda; Kurniawan, M. Yusuf; Arumsari, Yuni Kusuma
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 10 No. 2 (2025): September
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v10i2.6966

Abstract

The research aims to analyse the influence of trust and perceived convenience on the adoption of digital wallets as payment alternatives among Gen Z, with user satisfaction as a mediating variable. In the era of rapidly growing digitalisation, digital wallets are the main choice for Gen Z in making transactions. This research uses a quantitative approach, with respondents from Gen Z. The results of the analysis using the Partial Least Square (PLS) method show that trust and perceived convenience have a positive and significant effect on digital wallet adoption. User satisfaction is proven to mediate the relationship between trust and perceived convenience on digital adoption. This research provides insight for digital wallet service providers in designing strategies to increase user trust and satisfaction.
The Influence of Compensation on Employee Retention and Job Satisfaction as Mediating Variables in Generation Z Adiatma, Irsyad; Wahyono, G. Budi; Akbar, M. Taufik; Kurniawan, M. Yusuf
Ranah Research : Journal of Multidisciplinary Research and Development Vol. 8 No. 1 (2025): Ranah Research : Journal Of Multidisciplinary Research and Development
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/rrj.v8i1.1887

Abstract

This study investigates how salary influences work satisfaction and retention among Generation Z employees in Surabaya, using job satisfaction as a mediator. The study uses an explanatory quantitative method to address high turnover rates, which are connected to wage discontent and limited career advancement. Questionnaires were used to collect data from 80 respondents, which were then analyzed with multiple linear regression, t-tests, and Sobel tests. The results reveal that salary has a favorable and considerable impact on both work satisfaction and retention. Job satisfaction has a favorable influence on retention and serves as a mediator between salary and retention. Finally, greater remuneration increases job happiness, which enhances Generation Z employee retention, emphasizing the need of competitive and equitable pay practices.
Manajemen Perencanaan dan Pengelolaan Keuangan Rumah Tangga Untuk Meningkatkan Kesejahteraan Keluarga Mustikowati, Rita Indah; Kurniawan, M. Yusuf; Ariyani, Fitria
Jurnal Pengabdian Masyarakat Bhinneka Vol. 1 No. 2 (2022): Bulan November
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v1i2.23

Abstract

Keluarga berperan  penting dalam perekenomian suatu negara karena keluarga dapat berfungsi sebagai konsumen dan produsen. Rumah tangga sebagai konsumen dalam kegiatan sehari-hari mengeluarkan pengeluaran rutin untuk mencukupi kebutuhannya Dalam kehidupan rumah tangga peran Wanita sebagai  ibu rumah tangga memiliki peran yang sangat penting dalam mengelola keuangan rumah tangga dan memiiliki wawasan serta pengetahuan dalam  merencanakan dan mengelola keuangan. Perencanaan dan pengelolaan keuangan keluarga yang benar akan meningkatkan kesejahteraan keluarga. pelaksanaan rencana dan pengelolaan keuangan keluarga adalah sikap disiplin dalam melaksanakan apa yang telah direncanakan sehingga tidak akan terjadi banyak penyimpangan dari apa yang telah direncanakan. Hal  yang sangat penting guna membantu kehidupan keluarga dan masa depan anak serta masa pensiun.  Metode yang dikembangkan adalah penyuluhan, pelatihan dan pendampingan perencanaan  dan pengelolaan keuangan serta diberikan materi dan pelatihan sederhana tentang perencanaan dan pengelolaan keuangan keluarga dan solusi yang ditawarkan. Hasil dari pengabdian ini adalah Ibu-ibu menjadi memiliki pengetahuan tentang perencanaan dan pengelolaan keuangan rumah tangga, memiliki pengetahuan tentang penggunaan kebutuhan sesuai prioritas, memahami pola konsumsi sesuai  besar kecilnya tingkat pendapatan, memiliki pemahaman untuk merencanakan pengeluaran dan mengelola pendapatan
Co-Authors Adiatma, Irsyad Akbar, M. Taufik Ariyani, Fitria Napitupulu, Tesalonikayani Rita Indah Mustikowati Violettasari, Yolanda Wahyono, G. Budi Yuni Kusuma Arumsari