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All Journal Transekonomika : Akuntansi, Bisnis dan Keuangan CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal Economic Business Innovation Ecoducation
Retnosari
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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ANALISIS KINERJA DAN TINGKAT KESEHATAN PERUSAHAAN UMUM DAERAH (PERUMDA) AIR MINUM KOTA MAGELANG TAHUN 2017-2020 Kulsum, Umi; Retnosari
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 3 No. 1 (2023): January 2023
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v3i1.374

Abstract

This study aims to assess the company's performance by analyzing financial aspects, service aspects, operational aspects, and human resource aspects at the Regional Public Company (Perumda) Water Drinking Magelang City. The performance assessment at the company has the aim of seeing and measuring the level of management performance in managing the BUMD and knowing the level of effectiveness and efficiency of management. The research method used is descriptive quantitative by using secondary data obtained from the financial statements of the Perumda Water Drinking Magelang City. This study uses data documentation techniques obtained from the financial statements of the Magelang City Water Company. The analysis used is an analysis of financial performance and non-financial performance based on the SPAM Implementation Improvement Agency (BPPSPAM) as a Non-Structural Institution at the Ministry of Public Works and Public Housing. The results of the calculation of the analysis of financial aspects, service aspects, operational aspects, and human resource aspects at the Perumda in Magelang City show a healthy level of performance. This shows that the Magelang City Water Supply Corporation has performed well.
ANALYSIS OF THE EFFECTIVENESS AND EFFICIENCY OF THE MAGELANG CITY GOVERNMENT AREA'S FINANCIAL PERFORMANCE FOR THE 2017-2021 FISCAL YEAR Ratri, Apriliana Kurnia; Retnosari
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 2 (2023): JANUARY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i2.517

Abstract

Regional government activities aim to accelerate the attainment of a prosperous population through improved services, empowerment, and participation of the population, followed by increasing regional competitiveness. The region always adheres to the concepts of democracy, equity, and justice, as well as the uniqueness of a region in the structure of a unitary state. In this regard, the regional government must also pay attention to the issue of the effectiveness and efficiency of regional financial management, which is an element of the principle of government activity. The aim of this research is to identify the effectiveness and efficiency of the regional financial activities of the Magelang City Government for the 2017–2021 fiscal year. This observation is made through a quantitative approach, and the data identification technique used is descriptive through the use of accumulated principles of effectiveness and efficiency analysis. The results of this observation show that regional financial activity for the level of effectiveness in the City Government of Magelang in the 2017–2021 fiscal year is classified as effective. Meanwhile, regional finance for the level of efficiency in the City Government of Magelang in 2017–2021 has three criteria, namely efficient, inefficient, and very efficient. In fact, 2020 is a year with good criteria, which is very efficient, and in 2021 it will return again with efficient criteria.
Digital Strategies, Workforce Skills, and the Path to Financial Resilience Retnosari; Wahyudi, Muhamad
Journal Economic Business Innovation Vol. 2 No. 2 (2025): July
Publisher : Inovasi Analisis Data

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69725/jebi.v2i2.269

Abstract

Purpose: The focus of this paper is on how digital transformation, digital strategy, technology investments, workforce digital skills and customer engagement can help to build financial resilience. The moderating role of environmental uncertainty in these relationships is also examined.Method: A quantitative survey method was employed, with structured questionnaires used to collect data from businesspeople. The data were analysed using advanced regression techniques. These techniques were used to assess direct as well as conditional effects. The firm level variables were also retained.Findings: The findings reveal that all aspects of digital transformation show a significant positive relationship with financial resilience, with workforce digital skills being the most influential dimension. Furthermore, environmental uncertainty amplifies the impact of digital capabilities, providing evidence that turbulent times may be more valuable in terms of an organisation's digital preparedness. These results lend support to the combination of dynamic capabilities and contingency views, as well as to an extension of the resource-based view that emphasises human capital.Novelty: The literature on resilience is extended by this study through the demonstration that an even more strategic form of competitive advantage than technology investments is offered by digital talent and skills. It also provides empirical support that uncertainty is not always a barrier to organisations, but rather can help maximise the benefits from digital transformation.Implications: The findings imply that organisations will need to invest in a broad-based digital strategy and workforce development, as well as restructuring organisational practices for learning and developing human capability. To this end, policymakers may need to develop interventions that encourage and nurture digital capabilities, whilst also promoting ecosystem collaboration to enhance long-term resilience.
Analisis Faktor-Faktor yang Mempengaruhi Minat Nasabah BMT Bima terhadap Produk Simpanan dalam Berinvestasi Syariah Ramadhani, Devita; Retnosari
Economic and Education Journal (Ecoducation) Vol. 4 No. 1 (2022): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

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Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor apa saja yang mempengaruhi keinginan nasabah BMT BIMA untuk menabung melalui investasi syariah di BMT BIMA. Penulis memilih nasabah di Koperasi Jasa Keuangan Syariah ( KJKS ) BMT BIMA cabang 01 Dukun untuk penelitian ini. Penelitian ini menggunakan pendekatan kualitatif dengan sumber data primer berupa wawancara langsung dengan nasabah KJKS BMT BIMA dan pekerja. Berdasarkan temuan, KJKS BMT BIMA menawarkan berbagai solusi tabungan, antara lain akad wadi'ah dan mudharabah. Untuk membuka rekening, melakukan penyetoran dan penarikan simpanan ada beberapa prosedur yang tentunya mudah untuk dilakukan oleh nasabah. Terdapat beberapa faktor yang mempengaruhi minat nasabah yang seperti strategi BMT BIMA dalam upaya memudahkan nasabah dalam bertransaksi, letak BMT BIMA yang strategis, keuntungan yang didapatkan nasabah trutama pada produk SISUPRA (Simpanan Praktis ), SIJAKA ( Simpanan Berjangka ), dan SBI ( Simpanan Berjangka Inovatif ).
Co-Authors Muhamad Wahyudi, Muhamad Ramadhani, Devita Ratri, Apriliana Kurnia Umi Kulsum