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All Journal Jurnal Ekonomi Manajemen Indonesian Journal of Social Science Research ProBisnis : Jurnal Manajemen Jurnal Pengabdian Masyarakat Indonesia
Mufreni, Alfin Nurfahmi
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH ALOKASI KREDIT DAN HARGA KREDIT TERHADAP PROFITABILITAS DENGAN RISIKO KREDIT SEBAGAI VARIABEL INTERVENING Mulyani, Elis Listiana; Sari, Dewi Permata; Mufreni, Alfin Nurfahmi
Jurnal Ekonomi Manajemen Vol 8, No 1 (2022): Mei 2022
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v8i1.5784

Abstract

The purpose of this study is to find out and analyze the effect of credit ratio(Loan to Funding Ratio / LFR) and credit price (Loan Pricing) on profitability (Net Profit Margin) with credit risk (Non Performing Loan / NPL) as Intervening Variable. The research was conducted on banking listed on the Indonesia Stock Exchange.The research method used is descriptive analysis with the data used is secondary data in the form of Income and Balance Sheet statements on banks listed on the Indonesia Stock Exchange. Analytical tools use financial ratios in the form of Loan to Funding Ratio (LFR), Loan Pricing, Credit Risk (Non Performing Loan) and Net Profit Margin and intervening regression analysis.Based on the results of research it is known that Credit Risk (NPL) becomes a partial intervening variable between Loan Funding Rastio against Net Profit Margin (NPM), while between Credit Price (Loan Pricing)against Net Profit Margin, Credit Risk (NPL) becomes a perfect intervening variable. Tujuan Penelitian ini adalah untuk mengetahui dan menganalisis pengaruh rasio kredit (Loan to Funding Ratio /LFR) dan harga kredit (Loan Pricing) terhadap profitabilitas (Net Profit Margin) dengan risiko kredit (Non Performing Loan/NPL) sebagai Variabel Intervening .Penelitian dilakukan pada Perbankan yang tercatat di Bursa Efek Indonesia.Metode Penelitian yang digunakan adalah analisis deskriptif dengan data yang digunakan adalah data sekunder berupa laporan Keuangan Laba Rugi dan Neraca pada Perbankan yang tercatat di Bursa Efek Indonesia .Alat analisis menggunakan rasio keuangan berupa Loan to Funding Ratio (LFR), Loan Pricing ( Harga Kredit) , Risiko Kredit ( Non Performing Loan) dan Net Profit Margin dan analisis regressi intervening . Berdasarkan hasil penelitian diketahui bahwa bahwa Risiko Kredit (NPL) menjadi  variable intervening parsial antara Loan Funding Rastio terhadap Net Profit Margin (NPM), sedangkan antara Harga Kredit ( Loan Pricing) terhadap Net Profit Margin, Risiko Kredit (NPL) menjadivariable intervening sempurna .
DIGITALISASI PRODUK KERAJINAN GOLOK GALONGGONG KABUPATEN TASIKMALAYA Ramadhani, Indi; Mufreni, Alfin Nurfahmi; Rinandiyana, Lucky Radi; Bintari, Vivi
Jurnal Pengabdian Masyarakat Indonesia Vol 1 No 3 (2023): JPMI September 2023
Publisher : CV Bayfa Cendekia Indonesia Bekerjasama dengan Jurusan/Program Studi Pendidikan Masyarakat FKIP Universitas Siliwangi

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Abstract

Galonggong Golok is a product produced by the community or family (home industry) in Galonggong village, Cilangkap Village. The function of the Galonggong machete, apart from being a tool and tool for daily needs, also has very high artistic value, especially when seen on the handle or in Sundanese perah, so many buyers use the Galonggong machete as a display or decorative object (Anugrah, 2012). Even though it has quite high potential, this does not mean that machete producers in Galonggong Village are free from problems. In particular, the impact of the COVID-19 pandemic has hit the business sector which has been one of the SME icons in Tasikmalaya Regency. Regarding efforts to survive amidst the shocks of the COVID-19 pandemic, several craftsmen have started to take advantage of online sales, but it is still not optimal. One of the problems faced by machete craftsmen is the lack of skills related to online marketing, especially how to make products that look attractive. As a result of meetings and discussions with partners, it was agreed that the main problem/challenge currently is that online marketing is not yet optimal due to the lack of skills related to this, especially how to make products look attractive or eye catching when marketed online, and partners do not yet have a special website for their business. Training activities are implemented through the delivery of information in the form of lectures and discussions regarding the significance of skills related to taking photos and videos, with the aim of making products more attractive when marketed online. This will allow partners to focus on the specific aspects that make each machete unique when taking product photos. Apart from that, partners also take advantage of special websites that have been provided to expand product marketing reach.
Building a Model of the Influence of Information Technology Usage, Technology Competence, and Technostress on Lecturer Performance in the Digital Age Kurniawan, Dian; Rinandiyana, Lucky Radi; Mufreni, Alfin Nurfahmi; Budiman, Asep; Kurniawati, Ane; Badriatin, Tine
Indonesian Journal of Social Science Research Vol 5 No 2 (2024): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.05.02.40

Abstract

Universities must carry out digital transformation in the era of the Industrial Revolution 4.0 and Society 5.0. The application of infor-mation technology brings the hope of increasing lecturer performance and ultimately improving student quality. The use of information technology and lecturer technological competence will help achieve optimal performance. The demands of the application of information technology are thought to cause a new phenomenon known as "tech-nostress", which is the negative effects and stress triggers that arise from the use of technology in various areas of life, including the work-place. This study offers lecturer technological competence variables because they have an impact on the effectiveness of the use of infor-mation technology, so that the model built combines three important variables (use of information technology, technological competence, and technostress) to explain lecturer performance in the digital era. The study will use a quantitative survey approach to solve the prob-lem. Data were analyzed using the structural equation modeling (SEM) method to test the hypothesized relationship. The results showed that there was an influence of the use of digital technology on technostress, while digital competence had a negative influence on technostress. The technostress variable had a negative influence on lecturer performance. This study is expected to provide a better un-derstanding of how the use of information technology, technological competence, and technostress affect lecturer performance in the digi-tal era. Based on existing findings to reduce the impact of tech-nostress due to the use of digital technology, lecturers' ability to mas-ter technology must be improved. The model built can be a basis for further, more specific research, for example investigating the influ-ence of certain technologies on technostress or the moderating role of other supporting factors.
Building a Model of the Influence of Information Technology Usage, Technology Competence, and Technostress on Lecturer Performance in the Digital Age Kurniawan, Dian; Rinandiyana, Lucky Radi; Mufreni, Alfin Nurfahmi; Budiman, Asep; Kurniawati, Ane; Badriatin, Tine
Indonesian Journal of Social Science Research Vol. 5 No. 2 (2024): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.05.02.40

Abstract

Universities must carry out digital transformation in the era of the Industrial Revolution 4.0 and Society 5.0. The application of infor-mation technology brings the hope of increasing lecturer performance and ultimately improving student quality. The use of information technology and lecturer technological competence will help achieve optimal performance. The demands of the application of information technology are thought to cause a new phenomenon known as "tech-nostress", which is the negative effects and stress triggers that arise from the use of technology in various areas of life, including the work-place. This study offers lecturer technological competence variables because they have an impact on the effectiveness of the use of infor-mation technology, so that the model built combines three important variables (use of information technology, technological competence, and technostress) to explain lecturer performance in the digital era. The study will use a quantitative survey approach to solve the prob-lem. Data were analyzed using the structural equation modeling (SEM) method to test the hypothesized relationship. The results showed that there was an influence of the use of digital technology on technostress, while digital competence had a negative influence on technostress. The technostress variable had a negative influence on lecturer performance. This study is expected to provide a better un-derstanding of how the use of information technology, technological competence, and technostress affect lecturer performance in the digi-tal era. Based on existing findings to reduce the impact of tech-nostress due to the use of digital technology, lecturers' ability to mas-ter technology must be improved. The model built can be a basis for further, more specific research, for example investigating the influ-ence of certain technologies on technostress or the moderating role of other supporting factors.
The Role of Entreprenurial Education on Enhancing Entrepeneurial Intentions on Indonesian Students Putra, Aquinaldo Sistanto; Suroso, Edy; Kurniawan, Dian; Mufreni, Alfin Nurfahmi
ProBisnis : Jurnal Manajemen Vol. 16 No. 06 (2025): November: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This study investigated the role of entrepreneurial education on entrepreneurial intention by applying the modified TPB model with opportunity recognition. Our research involved 395 Indonesian high school and undergraduate students aged 15–25 years with structural equation modeling partial least squares (SEM-PLS) for data analysis. The results showed the crucial role of entrepreneurial education on antecedents of entreprenurial intention, but no direct effect on entrepreneurial intention. Entrepreneurial education also indirectly foster entrepreneurial intention by strengthening positive attitudes, self-efficacy, and opportunity recognition skills. The study provides insight about the interaction between entrepreneurial education with individual traits and social norms in developing entrepreneurial intention, particulary with the ability to seize the entrepreneurial opportunity.
Co-Authors Asep Budiman Badriatin, Tine Bintari, Vivi Dewi Permata Sari Edy Suroso, Edy Kurniawan, Dian Kurniawati, Ane Lucky Radi Rinandiyana Mulyani, Elis Listiana Putra, Aquinaldo Sistanto Ramadhani, Indi