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All Journal MIX : Jurnal Ilmiah Manajemen Jurnal Mirai Management YUME : Journal of Management ECONOMOS : Jurnal Ekonomi dan Bisnis Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Jurnal Edueco Economy Deposit Journal ( E-DJ) JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Economics and Digital Business Review Journal of Management and Entrepreneurship Research Movere Journal Jurnal Ar-Ribh Al-Buhuts (e-journal) Jurnal Inspirasi Binsis dan Manajemen Journal Online Manajemen ELPEI (JOMEL) Economos : Jurnal Ekonomi dan Bisnis Jurnal Ekonomi Prioritas (JEKO) Jurnal Penelitian Pendidikan Indonesia Celebes Journal of Community Services Jurnal Ekonomi Manajemen dan Kewirausahaan Khazanah Journal: Economics, Muamalah dan Entrepreneurship Arunika: Jurnal Pengabdian Masyarakat
Yasin, Nurfatwa Andriani
SEKOLAH TINGGI ILMU EKONOMI TRI DHARMA NUSANTAR
Humanities Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Mathematics Social Sciences Other

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Peran Inklusi Keuangan dalam Meningkatkan Keberlanjutan UMKM Sektor Makanan di Kota Makassar Muliati Abbas; Nurfatwa Andriani Yasin; Andi Nur Insan
Movere Journal Vol. 8 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v8i1.743

Abstract

This study aims to analyze the role of financial inclusion in enhancing the sustainability of food-sector MSMEs in Makassar City. The research adopts a quantitative approach with an explanatory design. Primary data were collected through a survey of 100 food-sector MSME owners selected using purposive sampling. Data analysis was conducted using Pearson correlation analysis to identify the strength of the relationships between the dimensions of financial inclusion and MSME sustainability. The results indicate that digital finance has a positive, strong, and significant relationship with MSME sustainability (r = 0.793; p < 0.01). In contrast, financial services, the use of financial products, as well as the quality and affordability of financial services show weak and insignificant relationships with MSME sustainability. These findings suggest that the utilization of digital financial services plays a more substantial role in supporting MSME sustainability than mere access to conventional financial services.
PELATIHAN DAN SEMINAR PEMBERDAYAAN WANITA PELAKU UMKM DI KAWASAN PANTAI BIRU Nurfatwa Andriani Yasin; Afriyani Afriyani; Asmawiyah Asmawiyah; Muliati Abbas; Nurhidayati Islamiah; Lasty Agustuty; Wisda Zulaeha
Arunika: Jurnal Pengabdian Masyarakat Vol. 4 No. 2: Desember 2025
Publisher : Unit Publikasi dan Jurnal Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Women micro, small, and medium enterprise (MSME) actors in the Pantai Biru area play a strategic role in supporting household economies and driving the economic development of coastal communities. However, limited knowledge of entrepreneurship, business management, and financial literacy remains a major constraint to business development and sustainability. This Community Service program aims to enhance the entrepreneurial capacity of women MSME actors through entrepreneurship seminars and basic business management training. The implementation methods include interactive lectures, simple case studies, and participatory discussions to encourage active participant engagement. The results indicate an improvement in participants’ understanding of basic entrepreneurial concepts, the importance of financial record-keeping, and awareness of more effective marketing strategies. In addition, the program increases participants’ motivation and self-confidence in managing their businesses independently and sustainably. This activity is expected to serve as an initial step in strengthening women’s economic empowerment and the economic resilience of coastal households in the Pantai Biru area.
IMPLEMENTASI MODEL GREEN BANKING DAN INTELLECTUAL CAPITAL DALAM MENDORONG KINERJA KEUANGAN BANK SYARIAH DI INDONESIA Lasty Agustuty; Nurfatwa Andriani Yasin; Afriyani Afriyani; Asmawiyah Asmawiyah
Jurnal Ecoment Global Vol. 11 No. 2 (2026): Volume 11 No. 2 Tahun 2026 (Edisi Agustus)
Publisher : Universitas Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jeg.v11i2.7344

Abstract

ABSTRACT Tujuan: Penelitian ini bertujuan untuk menganalisis pengaruh green banking dan intellectual capital dalam mendorong kinerja keuangan pada Bank Umum Syariah di Indonesia. Model pengukuran kinerja keuangan menggunakan rasio profitabilitas (Return On Asset) serta Intellectual Capital menggunakan model Pulic, yaitu Value Added Intellectual secara perkomponen meliputi Capital Employed , Human Capital dan Structural Capital Efficiency. Metodologi: Penelitian ini menggunakan metode kuantitatif. Sampel dari penelitian ini berjumlah 6 Bank Umum Syariah dengan menggunakan teknik purposive sampling. Data diperoleh dari laporan tahunan, laporan keberlanjutan dan laporan keuangan triwulan periode 2020-2024. Metode analisis data yang digunakan yaitu analisis regresi linear berganda data panel dengan menggunakan software Eviews Hasil: Hasil penelitian menunjukkan green banking,value added human capital (VAHU) dan structural capital (STVA) berpengaruh positif dan signifikan terhadap ROA, sedangkan value added Capital Employed tidak berpengaruh signifikan terhadap ROA. Orisinalitas/Nilai: Penelitian ini memberikan kontribusi kepada stakeholder dalam meningkatkan kinerja keuangan secara berkelanjutan serta pengembangan model empiris yang menghubungkan keberlanjutan lingkungan (green banking) dengan kinerja keuangan, khususnya di konteks perbankan syariah. Kata Kunci: Return on Asset, Green Banking, Intellectual Capital
Strengthening Banking Stability: Green Banking, ESG Performance, Intellectual Capital and CGC as a Moderating Variable Lasty Agustuty; Nurfatwa Andriani Yasin; Afriyani Afriyani; Andi Rifqah Purnama Alam
Jurnal Akuntansi, Keuangan, dan Manajemen Vol 7 No 4 (2026): September
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v7.n4.p91-106.2026

Abstract

Purpose: This study explores the influence of green banking, Environmental, Social, and Governance (ESG), and intellectual capital on increasing financial stability, with effective corporate governance as a moderating variable, specifically in the context of Indonesian Sharia banks.Methodology: This study employs a quantitative methodology, focusing on nine Sharia Banks selected through purposive sampling. Data were sourced from annual reports, sustainability reports, and financial statements spanning 2020-2024. Statistical analysis was conducted using multiple linear panel data regression and Moderated Regression Analysis (MRA) with EViews software.Results: This study finds that green banking, ESG, intellectual capital, and Good Corporate Governance (GCG) significantly and positively influence financial stability. The moderating variable, GCG, considerably influences the relationship between intellectual capital and financial stability. Nonetheless, it fails to reinforce the connections between green banking and financial stability and between ESG and financial stability.Conclusion: Sharia banks must continually focus on managing intangible assets, including green banking, ESG, and enhancing intellectual capital, as these are interconnected with improving performance, operational efficiency, competitive advantage, maximizing profits, and maintaining the bank's financial stability.Limitations: The generalizability of the results to other countries or banking contexts may be restricted by the research's emphasis on Indonesian Sharia banks.Contributions: This study enhances the understanding of Indonesia's green banking policies and corporate governance, providing useful perspectives for regulators and bank management to enhance financial stability.
Pengaruh Return On Equity Dan Debt To Equity Ratio Terhadap Return Saham Pada Pt. Astra International, Tbk. Suci Indah Sari; Nurfatwa Andriani Yasin
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 1 No. 2 (2024)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v1i2.471

Abstract

The purpose of this study is to determine the effect of Return On Equity and Debt to Equity Ratio on Stock Return at PT. Astra International, Tbk. The type of data used in this study is quantitative data, the source of data used is secondary data. The analysis methods used are descriptive analysis methods and multiple linear regression, determination coefficient, correlation coefficient, t test, and f test. The results of the regression equation Y = -14.765 + 0.576X1 – 0.093X2 + e. Simultaneously it does not have a significant effect on the variables Return On Equity and Debt to Equity Ratio to Return Shares at PT. Astra International, Tbk. Return On Equity positively does not have a significant effect on Share Return at PT. Astra International, Tbk. Debt to Equity Ratio does not affect Share Return at PT. Astra International, Tbk.
Pengaruh Kepemimpinan dan Kompensasi Terhadap Kepuasan Kerja Ady Sumady; Ansar; Kurniawaty; Nurfatwa Andriani Yasin
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 1 No. 3 (2024)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v1i3.525

Abstract

Penelitian ini bertujuan untuk menguji pengaruh kepemimpinan dan kompensasi terhadap kepuasan kerja karyawan di PT PLN (Persero) Wilayah Sulawesi Selatan. Populasi dalam penelitian ini adalah seluruh karyawan PT PLN (Persero) Wilayah Sulawesi Selatan. Pengambilan sampel dilakukan dengan menggunakan metode purposive sampling yang berjumlah 100 orang. Penelitian ini menemukan bahwa ada pengaruh positif dan signifikan dari kepemimpinan dan kompensasi terhadap kepuasan kerja karyawan. Korelasi terbesar terjadi antara kompensasi sebesar 0,853 terhadap kepuasan kerja, dan korelasi kepemimpinan terhadap kepuasan kerja sebesar 0,510. Secara parsial, kepemimpinan memiliki nilai t sebesar 3,876, dan kompensasi memiliki nilai t sebesar 10,339, kedua nilai t lebih besar dari t-tabel, ini berarti bahwa kepemimpinan dan kompensasi secara parsial memiliki pengaruh positif yang signifikan terhadap kepuasan kerja. Temuan menunjukkan bahwa kepemimpinan yang efektif menciptakan lingkungan kerja yang positif, memotivasi tim, dan meningkatkan produktivitas. Sementara itu, kompensasi yang adil dan kompetitif merupakan faktor utama dalam menarik dan mempertahankan bakat, berkontribusi pada kepuasan kerja tertinggi. Keduanya saling terkait dan penting bagi keberhasilan organisasi, terutama dalam meningkatkan kepuasan kerja karyawan.
Pengaruh Non Performing Loan Dan Loan to Deposit Ratio Terhadap Rerurn On Assets Pada PT. Bank Rakyat Indonesia (Persero) Tbk. Risma; Afriyani; Nurfatwa Andriani Yasin; Agussalim Rahman
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 2 No. 2 (2025)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v2i2.650

Abstract

 The purpose of this study is to determine the Effect of Non Performing Loan and Loan to Deposit Ratio on Return On Asset in PT. Bank Rakyat Indonesia (Persero), Tbk. The types of data used in this study are qualitative and quantitative. The data source used in this study is secondary data. The analysis methods used are descriptive analysis and multiple linear regression, determination coefficient (R2), correlation coefficient (r), t-test, and F test. The results of this study show the regression equation Y = 15,081 – 0.832X1 – 0.118X2, determination coefficient, (R2) = 31,2% and correlation coefficient (R) = 0,559. Non Performing Loan and Loan to Deposit Ratio have a significant effect on Return On Asset. Non Performing Loan have a negative and significant effect on Return On Assets. Meanwhile, the Loan to Deposit Ratio has a negative and significant effect on the Return On Asset at PT. Bank Rakyat Indonesia (Persero), Tbk. H1, H2 and H3 were rejected.
Pengaruh Current Ratio dan Debt To Equity Ratio Terhadap Return On Asset Pada PT Bumi Citra Permai, Tbk. Ramli; Afriyani; Nurfatwa Andriani Yasin; Jumria
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 2 No. 2 (2025)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v2i2.651

Abstract

The Effect of Current Ratio and Debt to Equity Ratio on Return On Asset PT. Bumi Citra Permai, Tbk. Guided by Nurfatwa Andriani Yasin and Afriyani. The purpose of this study is to determine the effect of current ratio and debt to equity ratio on return on asset in PT. Bumi Citra Permai, Tbk. The types of data used are qualitative and quantitative data. The data source used in this study is secondary data. The analysis methods used in this study are descriptive and statistical analysis (multiple linear regression, determination coefficient, correlation coefficient, f-test, and t-test). The multiple linear regression equation is Y= 44,367 – 0,015X1 – 0,396 X2, the determination coefficient is 90.8%, the correlation coefficient is 0.953. The result of this study are that the current ratio and debt to equity ratio have significant affect on return on asset, the current ratio has a negative and significant effect on return on asset, and the debt to equity ratio has a negative and significant effect on return on asset. Thus, the hypotheses in this study Hipotesis 1,Hipotesis 2, and Hipotesis 3 are accepted.
Pengaruh Capital Adequacy Ratio Dan Non Performing Loan Terhadap Nilai Perusahaan Pada PT. Bank Jago, Tbk. nuramalia mutmainna; Afriyani; Nurfatwa Andriani Yasin
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 2 No. 3 (2025)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v2i3.654

Abstract

The purpose of this study is to determine the Effect of Capital Adequacy Ratio and Non-Performing Loan on the value of the company in PT. Bank Jago, Tbk. The types of data used in this study are qualitative and quantitative. The data source used in this study is secondary data. The analysis methods used are descriptive analysis and multiple linear regression, determination coefficient (R2), correlation coefficient (r), t test, and F test. The results of this study show the regression equation Y = 10,280 + 0,064X1 – 2,589X2, determination coefficient, (R2) = 37,3% and correlation coefficient (R) = 0,611. Capital Adequacy Ratio and Non Performing Loan simultaneously it does not have a significant influence on the company's value. Partially, the Capital Adequacy Ratio has a positive and significant effect on the company's value in PT. Bank Jago, Tbk. Non-Performing Loanshave a significant effect on the company's value at PT. Bank Jago, Tbk. hypothesis 1 and hypothesis 2 are not accepted, Hypothesis 3 is accepted.
Co-Authors -, Bahriansyah -, Masmarulan -, Rahmat Abdul Razak Ady Sumady Afriyani Afriyani Afriyani, Afriyani Agussalim Rahman Ahmad, Tri Sulkarnain Akhmad Syarifuddin Alam, Andi Rifqah Purnama Alwi Sibali Andi Besse Ferial Andi Nur Insan Andi Rifqah Purnama Alam Ansar Ansar Ansar Arjan Arjan Artiyany, Megawhati Asmawiyah Asmawiyah Cynthia Imelda Tjokro Eka Ananda Hamriani, Yuni Hariyanti Hariyanti Irnawati Irnawati Jumiati Nurdin Jumria Jumria Jumria Jumriah Jumriah Jumriah, Jumriah Kurniawaty Kurniawaty Kurniawaty Kurniawaty Kurniawaty, Kurniawaty Lasty Agustuty Lasty Agustuty Lasty Agustuty D Masmarulan, Masmarulan Muh Hasry Mukhtiali Muhammad Nasir Muhammad Nasir Muliati Muliati Abbas Muliati Muliati, Muliati Muliati, Muliati nuramalia mutmainna Nurhidayati Islamiah Nurjaya Nurjaya R, Masmarulan Rahman, Agussalim Rahman, Risna Rahayu Ramdan Satra Ramli Risma Risnawati Dewi Rostini Rostini Rostini Rostini Sitti Saleha Souisa, Wendy Suci Indah Sari Syahribulan Syahribulan Syahribulan Syahribulan Syahribulan Syahribulan, Syahribulan Theodorus L.Herin Umar Wisda Zulaeha