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The Influence of the Amount of Credit Disbursement on Profitability in State-Owned Banking in Indonesia Fatichatur Rachmaniyah; Khusmayasari, Dewi; Abdul Hadi; Siti Makhmudah
Basic and Applied Accounting Research Journal Vol 3 No 2 (2023): Basic and Applied Accounting Research Journal
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/baarj.03.02.02

Abstract

This research aims to determine the effect of the amount of credit disbursement on profitability at state-owned banks in Indonesia. This research uses quantitative methods with simple linear regression analysis. The object of this research is state-owned banks listed on the IDX in the 2019-2021 period. By using secondary data from quarterly financial reports in 2019-2021. The results of this research are that the amount of credit disbursement significantly positively affects banking profitability
PENGARUH PROFITABILITAS, UMUR PERUSAHAAN DAN FINANCIAL LEVERAGE TERHADAP UNDERPRICING SAHAM INITIAL PUBLIC OFFERING PADA PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2019- 2022 Ani Setyorini; Novi Darmayanti; Fatichatur Rachmaniyah
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.6394

Abstract

Current business progress and developments make it easy for people to recognize various investments, one of which is stocks. Investors can find out several terms in purchasing shares, one of which is the initial public offering (IPO) which is used by companies to obtain additional capital obtained from investors. This study aims to determine the effect of profitability, firm age and financial leverage on the underpricing of Initial Public Offering shares. Using a quantitative research method using a sample of 21 companies that experienced stock underpricing in 2019-2022. The data analysis technique in this study used multiple linear regression analysis using SPSS version 26. This research tested using the t test and F test. The results of this study indicate that partially profitability, firm age and financial leverage have a significant effect on initial public offering stock underpricing. Simultaneously profitability, firm age and financial leverage have a significant effect on initial public offering stock underpricing.
Village Income and Village Fund Allocation on Village Government Performance Sutri Handayani; Dewi Kusmayasari; Ali Muhajir; Fatichatur Rachmaniyah
Strategic: Journal of Management Sciences Vol. 4 No. 1 (2024): Strategic : Journal of Management Science
Publisher : Program Studi Magister Ilmu Manajemen Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/strategic.v4i1.227

Abstract

Tujuan penelitian ini adalah menganalisis kinerja pemerintah desa tahun anggaran 2020–2022 dengan melihat dampak pendapatan awal dan penyaluran dana desa. Keterhubungan antara dua variabel independen yaitu Pendapatan Asli Desa (PAD) dan Alokasi Dana Desa (ADD), serta satu variabel dependen yaitu belanja desa menjadi subjek penelitian ini. Analisis statistik deskriptif digunakan dalam metodologi analisis data deskriptif kuantitatif, dan analisis koefisien korelasi dan koefisien determinasi digunakan dalam pendekatan analisis observasi ini. Dengan demikian, dapat dikatakan bahwa kinerja pemerintahan desa sangat dipengaruhi oleh pendapatan awal masyarakat dan penyaluran dana daerah. berdampak pada seberapa baik kinerja pemerintah daerah.
PELATIHAN UMKM DESA REJOSARI MENJADI GO DIGITAL MELALUI DIGITAL MARKETING DAN PENGELOLAAN KEUANGAN DIGITAL Fatichatur Rachmaniyah; Anisa Ulfah; Intan Sari Finas; Alif Indah Maulida
Jurnal Pengabdian kepada Masyarakat Vol. 11 No. 2 (2024): JURNAL PENGABDIAN KEPADA MASYARAKAT 2024
Publisher : P3M Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/abdimas.v11i2.6204

Abstract

In the digital era, MSMEs are faced with the challenge of adapting to technology in order to remain competitive. This study aims to improve the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) of herbal drinks in Rejosari Village, Lamongan. This is done through digital marketing and financial management training using the Qasir application. This training includes socialization of the importance of digital marketing and direct practice using social media platforms and financial management applications. The results of the study showed a significant increase in participants' digital knowledge and skills. In addition, participants showed a high interest in applying the knowledge gained in running their businesses. However, there are still several obstacles faced, such as the lack of digital literacy. This study concludes that digital training can be an effective solution to improve the competitiveness of MSMEs in rural areas.
PEMBERDAYAAN EKONOMI DIGITAL: PELATIHAN TIKTOK AFFILIATE UNTUK IBU PKK DESA KUDIKAN LAMONGAN Fatichatur Rachmaniyah; Muhammad Hafidh Nasrullah; Fita Velina Sari; Kis’atin Nuroh; Nurul Fadillah
Jurnal Pengabdian kepada Masyarakat Vol. 12 No. 2 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT 2025
Publisher : P3M Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/abdimas.v12i2.9142

Abstract

The TikTok Affiliate training program held in Kudikan Village aimed to enhance the digital literacy and skills of PKK housewives in utilizing the platform for marketing and business, thereby creating flexible additional income. Conducted on July 12, 2025, at the village hall by KKN students from Universitas Islam Darul Ulum Lamongan, the training employed a Persuasive-Educative approach in a workshop format, focusing on hands-on practice, discussion, and Q&A. Participants were taught step-by-step methods for creating, managing, and marketing products via TikTok Affiliate. The post-implementation evaluation demonstrated high success: motivation to become an Affiliator reached 100% (17 out of 17 participants) , and technical understanding of the business model increased sharply from 29.4% (pre-survey) to 94.1% (post-evaluation). These results confirm that the hands-on and systematic method was highly effective in transferring technical skills and boosting motivation. Identified challenges included account verification, follower growth, and creating consumer-engaging content. Future recommendations include a follow-up mentorship program and advanced training sessions.
PENGARUH FINANCIAL LITERACY, FINANCIAL INCLUSION DAN FINANCIAL TECHNOLOGY TERHADAP PERILAKU KEUANGAN PADA GENERASI Z Nurul Fauziyah; Fatichatur Rachmaniyah; Siti Shoimah; S. Syaiful Rosyid
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 8 No. 3 (2025): November 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v8i3.4414

Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, and financial technology on the financial behavior of Generation Z in Lamongan Regency. A quantitative approach was employed using a survey method involving 96 respondents selected through purposive sampling. Data were collected through questionnaires and analyzed using instrument testing, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²) with SPSS version 25. The findings indicate that financial literacy and financial inclusion have a positive and significant effect on the financial behavior of Generation Z, while financial technology shows no significant effect. Simultaneously, financial literacy, financial inclusion, and financial technology collectively have a positive and significant impact on financial behavior, with an adjusted R² value of 0.578. These results highlight that financial knowledge and access to financial services play essential roles in shaping the financial behavior of young individuals in the digital era, whereas financial technology alone is insufficient to influence behavior without adequate literacy.
AN EVA AND MVA COMPARATIVE ANALYSIS: MEASURING VALUE CREATION OF A VERTICALLY INTEGRATED TITAN (ICBP) AND AN AGGRESSIVE EXPORTER (MYOR) Fatichatur Rachmaniyah; Wulan Fibrianti Rohmah; M. Boy Singgih Gitayuda
Jurnal Aplikasi Bisnis Vol. 12 No. 1 (2026)
Publisher : Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/jab.v12i1.9945

Abstract

This study aims to analyze and compare the value creation performance of two leading Indonesian consumer goods companies, PT Indofood CBP Sukses Makmur Tbk (ICBP) and PT Mayora Indah Tbk (MYOR), for the 2018–2022 period. Utilizing Economic Value Added (EVA) and Market Value Added (MVA) methods, this research evaluates the effectiveness of ICBP's vertical integration and major acquisition (Pinehill Company Ltd) strategies, as well as MYOR's aggressive exporter strategy amidst global logistics volatility. The results indicate that both companies consistently generated positive EVA, with ICBP excelling in the nominal scale of value creation while MYOR demonstrated stability through a more efficient capital structure. The findings reveal that ICBP's acquisition of Pinehill did not fundamentally degrade economic value added, despite temporary pressure on market value (MVA) due to debt risk concerns. Conversely, MYOR's MVA proved highly sensitive to global maritime logistics disruptions in 2021. This study concludes that internal operational efficiency (EVA) serves as a primary cushion in maintaining corporate value against external market sentiment pressures (MVA).