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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Sinar Manajemen Jurnal Analisis Bisnis Ekonomi Jurnal Ilmiah Akuntansi dan Keuangan Economic and Education Journal (Ecoducation) Sosio Dialektika Jurnal Ilmiah Edunomika (JIE) Accounting Global Journal Jurnal Ilmiah Akuntansi Kesatuan Transekonomika : Akuntansi, Bisnis dan Keuangan Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Jurnal Cakrawala Ilmiah CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Economic and Education Journal (Ecoducation)
Retnosari
Universitas Tidar
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Increased E-commerce and Fintech Transactions During the Covid-19 Pandemic Ayunda Putri Nilasari; Retnosari Retnosari; Endang Kartini Panggiarti; Erni Puji Astutik
Jurnal Analisis Bisnis Ekonomi Vol 20 No 2 (2022): July-December
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/bisnisekonomi.v20i2.5963

Abstract

Activity restrictions to suppress the spread of the Covid-19 virus have made people take advantage of existing technology as well as the emergence of e-commerce and the ease of transactions creating business opportunities that greatly assist people in meeting their needs without having to leave the house and interact with many people. Researchers want to know the influence of the development of fintech, e-commerce, delivery services, lifestyle and banking security on meeting the online needs of the millennial community among students. The research method used is quantitative research with a sample of millennial society from Tidar University and Stekom University students. Various e-commerce applications, social media, fintech and online transportation are the most widely used by respondents 94.2% shoppe, 49.7% whatsapp and grab. Technological sophistication affects lifestyle in meeting needs during the pandemic because more than 75% answered agree and 45% strongly agreed. The lifestyle of today's society by utilizing technology becomes faster, more effective and efficient because more than 75% answered agree and 50% answered strongly agree. Respondents from Tidar University and Stekom University operate e-commerce applications that are available by taking advantage of the ease of transactions, 90% agree. The results of student responses to promos or free shipping coupons made them interested in making online purchases, 80% answered strongly agree. The results of the survey of student respondents regarding the security and ease of payment from banking services to conduct transactions either through e-banking or top up answered 75% agreed.
PENGARUH FINANCIAL LITERACY, PARENT INCOME, HEDONISME TERHADAP MANAJEMEN KEUANGAN MAHASISWA PADA MASA PANDEMI COVID-19 Nurul Mahmudah; Retnosari Retnosari
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 10 No. 2 (2021): Desember 2021
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (489.598 KB) | DOI: 10.31959/jm.v10i2.853

Abstract

The COVID-19 pandemic triggered significant changes to the economic sector which affects the personal economy. This impact affects the behavior of financial management. One of the groups that affected are students who run into a shift in needs. The study aims to examine the effect of financial literacy, parent income, and hedonism on student financial management during the COVID-19 pandemic. The dependent variable in this study is financial management behavior, while the independent variables are financial literacy, parent income, and hedonism. The population and sample in this study were students of the S1 Accounting study program, Faculty of Economics, Tidar University class 2018. The research methodology used in this study was a quantitative approach, and data analysis used multiple linear regression through the SPSS program. The results showed that the financial literacy and hedonism variables had a positive and significant effect on student financial management behavior during the COVID-19 pandemic, while the variable that had no effect on student financial management behavior during the COVID-19 pandemic was parent income.
Analisis Faktor-Faktor yang Mempengaruhi Minat Nasabah BMT Bima terhadap Produk Simpanan dalam Berinvestasi Syariah Devita Ramadhani; Retnosari Retnosari
Economic and Education Journal (Ecoducation) Vol 4 No 1 (2022): Economic and Education Journal (Ecoducation)
Publisher : Program Studi Pendidikan Ekonomi, Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v4i1.1690

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 ).
The Impact of Environmental, Social, and Governance Disclosure on Financial Performance in Indonesian Mining Companies Retnosari Retnosari; Erni Puji Astutik; Adella Vania Frimasika
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 5 (2025): JIAKES Edisi Oktober 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i5.4207

Abstract

ESG has become a strategic framework for sustainability, stakeholder engagement, and corporate value creation, while financial performance is commonly measured through profitability and market-based indicators. The purpose of this research is to examine how the disclosure of environmental, social, and governance information influences corporate financial outcomes in the mining sector. A quantitative approach was applied using multiple linear regression analysis on secondary data drawn from company reports. The results reveal that environmental disclosure has a significant positive effect on financial performance, as it enhances efficiency, reduces costs, and strengthens corporate reputation. In contrast, social and governance disclosures do not show a significant impact, indicating that their implementation remains largely formalistic and has not translated into measurable financial benefits. The findings highlight the importance of prioritizing environmental initiatives within ESG practices while suggesting the need for more substantive approaches to social and governance aspects. This study contributes to the literature by providing sector-specific insights and offering practical implications for companies seeking to align sustainability disclosure with financial value creation.
ANALISIS KINERJA DAN TINGKAT KESEHATAN PERUSAHAAN UMUM DAERAH (PERUMDA) AIR MINUM KOTA MAGELANG TAHUN 2017-2020 Umi Kulsum; 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 Apriliana Kurnia Ratri; 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.
Co-Authors Adella Vania Frimasika Anastasya Fauzianti Apriliana Kurnia Ratri Ayunda Putri Nilasari Ayunda Putri Nilasari Defiana Safitri Devita Ramadhani Diah Agustina Prihastiwi Endang Kartini Panggiarti Erni Puji Astutik Fitri Satimah Harsanti Nurul Mahmudah Sifa Fauzi Siti Afidatul Khotijah Supanji Setyawan Umi Kulsum