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All Journal Jurnal Pengabdian Magister Pendidikan IPA Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Joong-Ki : Jurnal Pengabdian Masyarakat Jurnal Bisnis, Manajemen, dan Akuntansi Media Bina Ilmiah Valid Jurnal Pengabdian Joong-Ki Akuntabel: Jurnal Ilmiah Akuntansi Joong-Ki
Sofiati Wardah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Faktor-Faktor Yang Mempengaruhi Ketepatan Waktu Penyampaian Laporan Keuangan Pada Perusahaan Perdagangan, Jasa & Investasi Ratna Dewi; Ni Nyoman Yuliati; Sofiati Wardah
Akuntabel: Jurnal Ilmiah Akuntansi Vol. 2 No. 4 (2024): Vol. 2 No. 4 Agustus 2024
Publisher : Lembaga Pengembangan, Penelitian dan Pengabdian Kepada Masyarakat (LP3M) Sekolah Tinggi Ilmu Ekonomi AMM (STIE AMM) Mataram

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Abstract

This research aims to determine the influence of Profitability, Company Size, Debt To Equity Ratio, Auditor Quality, and Company Age on the Timeliness of Financial Report Submission. The population of this study comprises 29 companies in the trade, services, and investment sector, specifically in the sub-sector of large-scale production trade, listed on the Indonesia Stock Exchange from 2019 to 2022. The sample was selected using purposive sampling. The total sample taken is 14 companies. The data analysis technique used is logistic regression. The test results indicate that Profitability, Company Size, Debt to Equity Ratio, Auditor Quality, and Company Age do not affect the timeliness of financial report submission.
PENGARUH FAKTOR PERMODALAN DAN EFISIENSI TERHADAP PROFITABILITAS BPR KONVENSIONAL DI INDONESIA I Nengah Arsana; Baiq Desthania Prathama; Sofiati Wardah; I Wayan Nuada
Media Bina Ilmiah Vol. 18 No. 6: Januari 2024
Publisher : LPSDI Bina Patria

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33758/mbi.v18i6.671

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh faktor permodalan dan efisiensi terhadap profitabilitas bank perkreditan rakyat (BPR) konvensional di Indonesia. Metode analisis data menggunakan regresi logit. Variabel dependen yang digunakan adalah profitabilitas yang diukur dengan return on assets (ROA), sedangkan variabel independen yang digunakan adalah capital adequac ratio (CAR) sebagai faktor permodalan, net interest margin (NIM), biaya operasional terhadap pendapatan operasional (BOPO), cost to income ratio (CIR), dan overhead cost terhadap pendapatan operasional (OHC/PO) sebagai faktor efisiensi. Sampel penilitian ini adalah 314 BPR konvensional di Indonesia periode 2014-2022. Hasil penelitian menunjukkan bahwa secara umum kinerja keuangan BPR di Indonesia dilihat dari faktor permodalan dan efisiensi masih dalam kategori sangat baik, dimana CAR dan NIM berpengaruh positif dan signifikan terhadap profitabilitas, BOPO berpengaruh negatif dan tidak signifikan terhadap profitabilitas, serta CIR dan OHC/PO berpengaruh negatif dan signifikan terhadap profitabilitas BPR konvensional di Indonesia
Studi Tingkat Literasi Keuangan dan Perilaku Konsumtif Mahasiswa serta Pengaruhnya terhadap Pengelolaan Keuangan Pribadi Rosyia Wardani; Sofiati Wardah; Rusdi; Syaiful Amri
Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 8 No. 2 (2025): Jurnal Akuntansi dan Keuangan Syariah - ALIANSI
Publisher : Akuntansi research UGR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54712/aliansi.v8i2.418

Abstract

This study examines the influence of financial literacy and consumptive behavior on the personal financial management of students at STIE AMM Mataram. Using a quantitative causal-associative approach, the research surveyed 151 respondents selected from a population of 242 students through proportionate stratified random sampling. Data were collected using a Likert-scale questionnaire and analyzed with multiple linear regression. The results show that financial literacy does not have a significant effect on personal financial management, indicating that students' financial knowledge has not been fully translated into daily financial practices. Conversely, consumptive behavior has a significant and dominant influence, demonstrating that lifestyle-driven spending, peer pressure, and digital financial access strongly shape students’ financial habits. Simultaneously, financial literacy and consumptive behavior significantly affect personal financial management, with a combined contribution of 57.5%. These findings highlight that students’ financial management challenges are more behavioral than cognitive, emphasizing the need for practical financial education, stronger self-control, and awareness of digital financial risks. The study implies that higher education institutions should develop programs focusing on budgeting skills, digital finance awareness, and responsible consumption to improve students' financial well-being.
Peningkatkan Peluang Bisnis Melalui Penentuan Identitas Usaha Dan Pemanfaatan Digital Marketing Galuh Ratna Mutia; Sofiati Wardah; Baiq Desthania Prathama; Nizar Hamdi; Zulkarnaen
Valid Jurnal Pengabdian Vol. 4 No. 1 (2026): Vol. 4 No. 1 Januari 2026
Publisher : Lembaga Pengembangan, Penelitian dan Pengabdian Kepada Masyarakat Sekolah Tinggi Ilmu Ekonomi AMM

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Abstract

Pengabdian ini bertujuan untuk meningkatkan peluang bisnis pelaku UMKM melalui penentuan identitas usaha dan pemanfaatan digital marketing. Kegiatan dilaksanakan di Desa Saribaye, Kecamatan Lingar, Kabupaten Lombok Barat dengan fokus pada pelaku UKM bakso cilok di Dusun Repok Kekeri. Permasalahan utama yang dihadapi mitra adalah belum adanya identitas usaha yang jelas serta keterbatasan pemanfaatan media digital dalam kegiatan pemasaran. Metode pelaksanaan meliputi observasi lapangan, penyuluhan, pelatihan, dan pendampingan. Penyuluhan difokuskan pada pentingnya identitas usaha sebagai bagian dari strategi branding, sedangkan pelatihan dan pendampingan diarahkan pada perancangan merek, logo, serta pemanfaatan digital marketing melalui media sosial. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan kesadaran pelaku UMKM mengenai pentingnya identitas usaha serta peningkatan pengetahuan dan keterampilan dalam pemasaran digital. Program ini diharapkan mampu meningkatkan daya saing, memperluas jangkauan pasar, dan mendorong peningkatan ekonomi masyarakat secara berkelanjutan.
Pengaruh Financial Technology, Literasi Keuangan Dan Penggunaan Informasi Akuntansi Terhadap Kinerja UMKM Muhammad Alamsyah; Endang Kartini; Sofiati Wardah
Akuntabel: Jurnal Ilmiah Akuntansi Vol. 5 No. 1 (2025): Vol. 5 No. 1 Oktober 2025
Publisher : Lembaga Pengembangan, Penelitian dan Pengabdian Kepada Masyarakat (LP3M) Sekolah Tinggi Ilmu Ekonomi AMM (STIE AMM) Mataram

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Abstract

This study aims to examine the influence of financial technology, financial literacy and the use of accounting information on the performance of MSMEs in Dompu Regency. So that the variables of this study consist of 3 (three) independent variables, namely financial technology (X1), financial literacy (X2) and the use of accounting information (X3) and the dependent variable, namely the performance of MSMEs (Y). The population of this study is MSME actors registered with the Dompu Regency Cooperatives and SMEs Office. Samples were taken using simple random sampling. Data was obtained by distributing 215 questionnaires to MSME respondents in Dompu Regency. The questionnaire that returned and could be used was 100 questionnaires. The data were analyzed using Multiple Linear Regression. The results of this study show that financial technology, financial literacy and the use of accounting information have a significant effect on the performance of MSMEs. The results of this study also show that the independent variables (financial technology, financial literacy and the use of accounting information) are able to explain the dependent variable (MSME performance) of 40.7% while the remaining 59.3 is influenced by other variables outside the regression model used in this study.
Co-Authors Agus Fahrul Chair Akung Daeng Amrul, Rusli Armiani Baehaki Syakbani Baiq Desthania Prathama Baiq Ertin Helmida Endang Kartini Galuh Ratna Mutia Hailuddin Hikmah Hizbiatul Maulani I Made Murjana I Nengah Arsana I Wayan Nuada Khotmi, Herawati Mahyuddin Nasir Muhammad Alamsyah Mukmin Suryatni Mustaan Mustaan Nizar Hamdi Putri Reno Kemala Sari Rani Mahmudah Ratna Dewi ROSYIA WARDANI Rusdi Satarudin Satriawan Septian Heris Syaputra Sopian Saori Sukma Hidayat Kurnia Abadi Syaiful Amri Syaiful Amri Yuliati, Ni Nyoman Zulkarnaen