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Analisis Harga Emas, Ukuran Perusahaan dan Profitabilitas Terhadap Pembiayaan Gadai Emas: Studi Empiris pada PT Bank Syariah Indonesia Tbk KCP Sukabumi Cicurug Setia Budi Periode 2021-2023 Seli Lestari; Nor Norisanti; Resa Nurmala
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i11.4175

Abstract

The purpose of this study was to determine how much influence the Gold Price, Company Size, and Profitability have on Gold Pawn Financing at PT Bank Syariah Indonesia Tbk, KCP Sukabumi Cicurug Setia Budi for the period 2021-2023. The objects of research are Gold Price (X1), Company Size (X2) Profitability (X3) and Gold Pawn Financing (Y). The research uses descriptive and associative methods with a quantitative approach. The population in the study was the financial statements of PT Bank Syariah Indonesia Tbk, KCP Sukabumi Cicurug Setia Budi. Data analysis techniques used are classical assumption test, multiple linear regression analysis, multiple correlation coefficient, coefficient of determination, partial test (t test) and simultaneous test (f test). The results showed a relationship between Gold Price, Company Size, Profitability on Gold Pawn Financing of 0.766 the level of relationship including strong relationship criteria. Then the results of the partial test show that the price of gold has a positive and significant effect on gold pawn financing, company size has a negative and significant effect on gold pawn financing, profitability has a negative and significant effect on gold pawn financing.
Analisis Message Appeals Terhadap Purchase Intention Melalui Brand Awareness Sebagai Variabel Mediasi Fany Mutia Rizki; Ramdan, Asep Muhamad; Norisanti, Nor
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i11.4419

Abstract

In the digital era, social media plays a very important role in selling beauty products. Displaying creative and innovative advertisements can increase purchase interest and improve the image of the product to be recognized by many people. This study aims to determine the effect of message appeals and brand awareness on purchase intention, as well as how the influence of brand awareness in mediating the relationship between message appeals and purchase intention in consumers of the originote products in the city of Sukabumi. This study uses quantitative research methods with a causal descriptive approach. The sampling technique in this study used probability sampling method, namely purposive random sampling with a total of 155 people in the city of Sukabumi who are interested in buying the originote skincare products. The data analysis technique used in this study is structural equation modeling (sem) using partial least square (pls). The results of this study indicate that there is a positive and significant effect of message appeals on brand awareness, a positive and significant effect of brand awareness on purchase intention and message appeals have a negative and insignificant effect on purchase intention on potential consumers of the originote product in the city of Sukabumi.
Pengaruh Kompensasi dan Dukungan Manajerial Terhadap Kepuasan Kerja Karyawan: Studi Kasus pada Karyawan CV. Indo Bata Beton Maulana Abdul Rohman; Faizal Mulia Z; Nor Norisanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.4719

Abstract

The purpose of this study is to determine the effect of Compensation and managerial support on employee job satisfaction at CV. Indo Bata Beton. The method used is a quantitative approach, including several linear regression tests and classical assumption tests. The sample size consists of 36 respondents. Data collection was conducted through questionnaires distributed to respondents, using a Likert scale of 1-5. Data analysis was performed using SPSS 27 software. The results of the study show that Compensation has a significant positive effect on job satisfaction of employees at CV. Indo Bata Beton, both partially and simultaneously, while managerial support does not significantly affect job satisfaction. However, Compensation and Managerial Support can predict the level of job satisfaction.
THE INFLUENCE OF LIFESTYLE AND FINANCIAL TECHNOLOGY ON FINANCIAL BEHAVIOR OF SHOPEE PAYLATER USERS AMONG UMMI STUDENTS Annisa Ayulestari Noer; Nor Norisanti; Kokom Komariah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 6 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i6.3421

Abstract

This study aims to analyze the influence of lifestyle and financial technology on financial behavior among Shopee PayLater users among students of Universitas Muhammadiyah Sukabumi (UMMI). The background of this study is based on the increasing use of digital financial services such as Shopee PayLater which facilitates transactions, but has the potential to encourage consumptive behavior and unwise financial management, especially among students who are in the transition phase towards financial independence. This study uses a quantitative approach with a causal associative descriptive method. The sample used was 367 respondents who were active UMMI students who used the Shopee PayLater service, and was determined using the Slovin formula. Data collection was carried out through questionnaires and analyzed using multiple linear regression, as well as validity, reliability, classical assumptions, t-tests (partial), and F-tests (simultaneous). The results of the study showed that partially lifestyle had a significant effect on financial behavior, with a calculated t value greater than the t table. Likewise, financial technology also has a significant effect on financial behavior. Simultaneously, both variables had a significant effect on students' financial behavior, with an R² value of 0.513. This shows that 51.3% of the variation in students' financial behavior can be explained by lifestyle and use of financial technology. This study emphasizes the importance of financial literacy in dealing with easy access to digital credit services so that students are able to make wise financial decisions in today's technological era. This study aims to analyze the influence of lifestyle and financial technology on financial behavior among Shopee PayLater users among students of Universitas Muhammadiyah Sukabumi (UMMI). The background of this study is based on the increasing use of digital financial services such as Shopee PayLater which facilitates transactions, but has the potential to encourage consumptive behavior and unwise financial management, especially among students who are in the transition phase towards financial independence. This study uses a quantitative approach with a causal associative descriptive method. The sample used was 367 respondents who were active UMMI students who used the Shopee PayLater service, and was determined using the Slovin formula. Data collection was carried out through questionnaires and analyzed using multiple linear regression, as well as validity, reliability, classical assumptions, t-tests (partial), and F-tests (simultaneous). The results of the study showed that partially lifestyle had a significant effect on financial behavior, with a calculated t value greater than the t table. Likewise, financial technology also has a significant effect on financial behavior. Simultaneously, both variables had a significant effect on students' financial behavior, with an R² value of 0.513. This shows that 51.3% of the variation in students' financial behavior can be explained by lifestyle and use of financial technology. This study emphasizes the importance of financial literacy in dealing with easy access to digital credit services so that students are able to make wise financial decisions in today's technological era.
THE EFFECT OF ENVIRONMENTAL SOCIAL AND GOVERNANCE (ESG) DISCLOSURE, LEVERAGE, AND ASSET MANAGEMENT EFFICIENCY ON PROFITABILITY (ANALYSIS OF ENERGY SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE FOR THE PERIOD 2023-2024) Nurul Aulia; Nor Norisanti; Resa Nurmala
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 6 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i6.3465

Abstract

This study investigates the impact of Environmental, Social, and Governance (ESG) disclosure, leverage, and asset management efficiency on the profitability of energy companies listed on the Indonesia Stock Exchange from 2023-2024. A quantitative approach was employed, using panel data analysis on a sample of 50 financial reports. The findings revealed that while ESG disclosure does not have a significant direct impact on Return on Equity (ROE), and leverage has a significant negative impact on the ROE, total asset turnover (TATO) does significantly and positively influence ROE. This suggests that asset management efficiency is the primary driver of profitability in the Indonesian energy sector, while ESG practices and leverage strategies require further development to demonstrate a tangible impact on financial performance.
Impact of Financial Literacy, FinTech, and Managerial Ability on Financial Performance of Beverage MSME in Sukabumi Agustiani, Rayhani; Norisanti, Nor; Komariah, Kokom
International Journal Administration, Business & Organization Vol 6 No 3 (2025): IJABO
Publisher : Asosiasi Ahli Administrasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61242/ijabo.25.625

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role as the backbone of the national economy. However, despite their vital role, many MSME actors consistently face significant challenges, especially in financial and operational management. This is clearly evident from the tendency of their income to be uneven (volatility) and the low level of financial stability among the operators. This situation is the main driver of the research, which aims specifically to identify key factors that can effectively improve their financial performance. Thus, using purposive sampling techniques, this quantitative study with an associative approach seeks to examine the impact of managerial expertise, financial literacy, and financial technology on the financial performance of beverage MSMEs in Sukabumi City. The study includes 86 respondents. The primary findings show that financial performance is positively and significantly impacted by both managerial skill and financial literacy. Financial technology, on the other hand, was found to have no discernible impact. These results suggest that improving MSME actors' managerial skills and financial literacy should be the primary goal in order to achieve stability and long-term improvements in financial performance.
Pengaruh Financial Literacy, Bandwagon Effect dan Perceived Risk terhadap Minat Penggunaan Aplikasi Pinjaman Online pada Mahasiswa di Kota Sukabumi Nurhafni, Alyaa Fawzia; Zafar, Tetty Sufianty; Norisanti, Nor
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5803

Abstract

Penelitian ini bertujuan menganalisis pengaruh financial literacy, bandwagon effect, dan perceived risk terhadap minat mahasiswa di Kota Sukabumi dalam menggunakan aplikasi pinjaman online (pinjol). Latar belakang penelitian didorong oleh meningkatnya penggunaan layanan pinjol di kalangan generasi muda, yang sering kali tidak diimbangi pemahaman literasi keuangan serta pertimbangan risiko yang memadai. Penelitian menggunakan pendekatan kuantitatif asosiatif dengan variabel independen financial literacy (X1), bandwagon effect (X2), dan perceived risk (X3), serta variabel dependen minat penggunaan pinjol (Y). Pengambilan sampel dilakukan melalui teknik purposive sampling dengan jumlah responden 374 mahasiswa. Data dikumpulkan menggunakan kuesioner skala Likert, didukung studi kepustakaan sebagai data sekunder. Pengujian kualitas data meliputi uji validitas dan reliabilitas, serta uji asumsi klasik (normalitas, multikolinearitas, dan heterokedastisitas). Analisis utama menggunakan regresi linier berganda untuk menguji pengaruh parsial (uji t) dan simultan (uji F). Hasil penelitian menunjukkan bahwa financial literacy, bandwagon effect, dan perceived risk berpengaruh positif dan signifikan terhadap minat penggunaan aplikasi pinjaman online, baik secara parsial maupun simultan. Temuan ini mengindikasikan bahwa peningkatan literasi keuangan, tekanan/dukungan sosial dari lingkungan, serta persepsi risiko yang dikelola melalui informasi dan kepercayaan pada platform, sama-sama berperan dalam membentuk minat mahasiswa. Penelitian ini menyarankan pentingnya edukasi literasi keuangan dan transparansi risiko oleh penyedia layanan agar keputusan penggunaan pinjol lebih rasional dan aman.
Analisis Fitur Gawai Pintar Dan User Experience Terhadap Brand Trust Rahyadi, Muhamad Reyhan; Asep Muhamad Ramdan; Nor Norisanti
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 10 No 1 (2025): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Universitas Pasundan

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

Abstract

Gawai pintar adalah perangkat telepon yang memiliki kemampuan computer yang dilengkapi dengan system informasi yang canggih. Penelitian ini bertujuan untuk mengetahui pengaruh fitur dan user experience terhadap brand trust pada pengguna gawai pintar. Penelitian ini menggunakan metode deskriptif dan asosiatif dengan pendekatan kuantitatif. Metode pengambilan sampel dalam peneitian ini menggunakan Teknik proporsioal stratified random sampling, dengan jumlah sampel sebanyak 380 pengguna gawai pintar yang menjadi responden. Pengukuran dalam penelitian ini dilakukan dengan menggunakan skala interval. Metode analisis data yang digunakan meliputi uji asumsi klasik, koefisien determinasi, regresi liear berganda, serta uji hipotesis baik secara simultan (uji-F) maupun secara parsial (uji-T). Hasil penelitian ini menunjukan bahwa fitur maupun user experience berpengaruh dan signifikan terhadap brand trust pada pengguna gawai pintar. Temuan ini didukung oleh nilai F hitung yang lebih besar dari nilai F table. Secara khusus, fitur juga memiliki pengaruh dan signifikan terhadap brand trust, yang ditunjukan oleh nilai T hitung yang lebih besar dari T table. Kemudian, user experience juga memiliki pengaruh dan signifikan terhadap brand trust, yang didukung oleh nilai T hitung yang lebih besar dari nilai T table pada taraf signifikansi 0,05.
Pengaruh Operating Cash Flow, Leverage dan Intellectual Capital terhadap Financial Distress Putri, Apdhita Seftiantie Rusmaya; Norisanti, Nor; Saori, Sopyan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6272

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh operating cash flow, leverage (Debt to Asset Ratio/DAR), dan intellectual capital terhadap financial distress pada perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia (BEI) periode 2024. Financial distress merupakan kondisi penurunan kinerja keuangan yang dapat menjadi indikator awal kebangkrutan, sehingga perlu diidentifikasi melalui variabel-variabel internal perusahaan. Penelitian ini menggunakan data sekunder berupa laporan keuangan tahunan perusahaan energi yang dipublikasikan melalui situs resmi BEI. Teknik pengambilan sampel menggunakan purposive sampling sehingga diperoleh 31 perusahaan yang memenuhi kriteria penelitian. Metode analisis data dilakukan dengan regresi linier berganda menggunakan aplikasi SPSS, disertai uji asumsi klasik meliputi uji normalitas, multikolinearitas, dan heteroskedastisitas. Hasil penelitian menunjukkan bahwa operating cash flow berpengaruh signifikan terhadap financial distress, yang mengindikasikan bahwa kemampuan perusahaan menghasilkan arus kas dari aktivitas operasional menjadi faktor penting dalam menjaga likuiditas dan keberlanjutan usaha. Leverage (DAR) juga berpengaruh signifikan terhadap financial distress, yang menunjukkan bahwa struktur pendanaan melalui utang memiliki peran dalam meningkatkan risiko tekanan keuangan apabila tidak dikelola secara optimal. Sementara itu, intellectual capital tidak berpengaruh signifikan terhadap financial distress, karena karakteristik sektor energi yang lebih didominasi aset berwujud serta pengaruh eksternal seperti fluktuasi harga komoditas. Secara simultan, ketiga variabel independen berpengaruh terhadap financial distress. Temuan ini diharapkan dapat menjadi bahan pertimbangan bagi manajemen dan investor dalam mengevaluasi potensi risiko kesulitan keuangan perusahaan sektor energi.
PENGARUH GAYA KEPEMIMPINAN TRANSFORMASIONAL DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN PADA CV. MIKHA KARYA PALEMBANG Anshary, Muhamad Asykal Rizqinan; Norisanti, Nor; Nurmala, Resa
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/zhyr1x49

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh gaya kepemimpinan transformasional dan lingkungan kerja terhadap kinerja karyawan di CV. Mikha Karya Palembang. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan pendekatan survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada 33 karyawan. Hasil analisis menunjukkan bahwa terdapat pengaruh positif yang signifikan antara gaya kepemimpinan transformasional dan lingkungan kerja terhadap kinerja karyawan. Temuan ini diharapkan dapat memberikan kontribusi bagi manajemen perusahaan dalam meningkatkan kinerja karyawan melalui penerapan gaya kepemimpinan yang efektif dan menciptakan lingkungan kerja yang kondusif.   
Co-Authors A Restu Maulani Acep Samsudin Acep Syamsudin Adelia Athaya Dzakiyyah Adzkya, Adzkya Shaqiela Afiary, Muhamad Azhar Afifah, Fitriani Agustiani, Rayhani Ai Mulyaningrum Ajeng Ayu Wardhani Putri Ajeng Vika Nia Tifani Amalia, Salma Andini Widya Yasa Andira, Firani Dias Anggi Pratiwi Anggi Pratiwi, Anggi Anggia Nurul Safarila Anisa Maramis Annisa Ayulestari Noer Annisa Drajat Anshary, Muhamad Asykal Rizqinan Any Octaviany Aprianto, Muhammad Shidiq Apriliani Sya’diah Asep Muhamad Ramdan Asep Muhammad Ramdhan Aslia, Farisa Astria, Indria Sri Astriani Puji Lestari Auliya, Auliya Farreli Irhandi Ayu Puji Astuty Azis Mauraksa Azzahrunisa, Andini Bagus Muhammad Guntur Budiarti Sawitri, Indah Ce Mutia Izmilla Clara Candra Komala Damayanti, Elok Deni Muhammad Danial Deni Muhammad Daniel Desta Riany Devi Agustini Devilia, Wanda Diah Nurul Fauzi Dicky Jhoansyah Dio Alif Ramadhan Ditha Indah Fatmasari Dwi Sri Wahyuni Elah Elah Elia Rahayu R Erry Sunarya Erry Sunarya Ervina Widiastuti Ery Sunarya Evrida hayati Fabianca Fachreza Fahmi Mauludin Faizal Mulia Z Faizal Mulya Z Fany Mutia Rizki Farach Dhiba Helmaliana Farike Rhava Kusmita Fauzhan Pratama Permana Febriani, Selvy Firani Dias Andira Firhan Dwi Januar Fitrah Shaumi Ulul Albab Fitrio, Rian Renaldi Muhamad Gia Tamara Sukandi Gunawan, Alayda Nazwa Hadiyah Hafitri, Nisa Elya Hana Diawati Hana Nurhasanah Hana Qurota A'yun Hartika, Dela Heni Nurbayani Ia Siti Bahriah Ilham Maulana Ilham Maulana Ibrahim Ima Halimah Ima Halimah Indah Budiarti Sawitri Indah Khoiriyah Indria Sri Astria Intan Permatasari Irma Sulastri Jihan Nurul Rachman Julianti Eka Putri kendra Nur Ghibrani Khaerunnisa, Salma Khairunnisa, Risvi Meilan Kholipah Al Mugni Kokom Komariah Kokom Komariah Komala, Clara Candra Laila Hamidah Langi Delanur Lestari Damayanti Lulu Gita Lusi Nur Fajriani Machmudin, Arief Mahesa Saputra Manuhutu, Fitria Andriani Marina, Ade Maulana Abdul Rohman Maulani, Almah Mauludin, Fahmi Meita Dilani Nurhandriani Mitasari Mitasari Moch Alhadi Fahtiansyah Mochammad Husen Gifari Moh Irpan Firmansyah Mohammad Ilham Mulia Z., Faizal Mulia. Z, Faizal Mulya Z, Faizal Mursyidan, Muhammad Fadhli Nabila Maulana Yusup, Silva Nadia Cindy Monica Najwa Indah Sari Ni Luh Ari Yusasrini Noviani Noviani Nur Ajeng Setia Wiguna Nurhafni, Alyaa Fawzia Nurillah Sopian Nurmala, Resa Nurul Aulia Nurul Jauza Putri Nuryana, Hilmy Phytaloka, Ananda Dhea Purnama, Ilham Purwaningsih, Fitriana Ayu Purwoko, Agus Puspita Wulandari Putri, Apdhita Seftiantie Rusmaya R Deni Muhammad Danial R. Deni M. Danial Rahayu Damayanti Rahma Lia Fauziah Rahmat Setyo Wicaksono Rahyadi, Muhamad Reyhan Ramadhani, Salsa Diva Resa Nurmala Respi Saputri Resti Ganis Yuliani Restu Nurfani Retla Della Rustawan Ria Ulvia Erza Riani Fauzia Rahmayanti Risfa Aryani Putri Rizki, Maulana Rizky Adhinugroho Rosmalianda Aprilia Rossy Rosmalia Sutarya Sa'adatunnisa, FItri Salman Muhammad Rezab Salsabila Safiratunnajah Saputri, Respi Seli Lestari Selvia Ramdani Septi Utami Shaquila Farah Aprila Shera Wulan Ruswandi Shintya Yuliana Silitonga, Tiur Maulina Siska Oktavia Siti Dwi Ayuningsih Siti Maria Ulpah Siti Maryam Agustina Siti Rohila Sofyan, Frama Aditya Sopyan Saori Sri Nuranti Sulastri Fazriah Sunarya, Erry Suwendi Suwendi Syifa Sofariah Tetty Sufianty Zafar Tiara Suci Bentar Ummu Hawa Assa’diyah Utami, Septi Vini Eka Paksi Wimartfian, Restu Eka Yesi Rahmawati Yoga Nudea sofyan Yogi Lesmana Yosef Saefurrohmat Yuwan Apriliandi