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All Journal ETIKONOMI Jurnal Riset Akuntansi dan Keuangan Jurnal Akuntansi
Permata Ulfah
Universitas Jenderal Soedirman
Economics, Econometrics & Finance Social Sciences

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The Impact of ROA, BOPO, and FDR to Indonesian Islamic Bank's Mudharabah Deposit Profit Sharing Laila Mugi Harfiah; Atiek Sri Purwati; Permata Ulfah
ETIKONOMI Vol 15, No 1 (2016)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v15i1.3109

Abstract

This study aims to determine the effect of profitability ratio (ROA) the cost-revenue ratio (BOPO) and financing to deposit ratio (FDR) toward profit sharing of time deposit mudharaba in Islamic banking in Indonesia. This research is a quantitative study using heading the entire population of Islamic banks in Indonesia and the sample was selected using purposive sampling method. Samples were obtained at 7 Islamic banks and research data in the form of quarterly reports Islamic Banks 2011-2014 period. The analysis namely with the used is a multiple linear regression analysis. The results of the data analysis showed that ROA, BOPO and FDR significant positive effect on the level of profit sharing of time deposit mudharaba. Is divided in changes in the rise and fall rate for the time deposits mudharaba can be explained 47.9 percent by ROA, BOPO and FDR, while 52.1 percent can be explained by other variables not examinedDOI: 10.15408/etk.v15i1.3109
KARAKTERISTIK KEWIRAUSAHAAN MAHASISWA UNIVERSITAS JENDERAL SOEDIRMAN (SUATU SURVEI PENDAHULUAN) Eliada Herwiyanti; Permata Ulfah
Jurnal Akuntansi Vol 9 No 2 (2016): Jurnal Akuntansi
Publisher : Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (224.537 KB) | DOI: 10.25170/jara.v9i2.35

Abstract

The purpose of this study was to determine the entrepreneurial characteristics of students in University of Jenderal Soedirman to Entrepreneurship subject. Sampling was done by using a convenience sampling method. Respondents consisted of 55 students from various faculties at the University of Jenderal Sudirman. Data analysis techniques were done by using IBM SPSS 22 software. Final data that can be analyzed is 50 while 5 were excluded from the sample because of data categorized as outliers. The results showed 50 respondents are interested to follow an entrepreneurial course even though 40% of whom there are already into business. Furthermore, result of analysis showed that the greatest reason for the respondents follows entrepreneurship subjects due to desire to develop themselves and to gain extra knowledge. The average respondent have the entrepreneurial characteristics of 83.33%. Surveys show that the most desirable areas of entrepreneurship are fashion, art, and research and development.
Pengaruh Literasi Keuangan, Sikap Keuangan, dan Perilaku Pengelolaan Keuangan terhadap Kinerja UMKM Bidang Kuliner Salma Putri Mellinia; Laeli Budiarti; Permata Ulfah
Jurnal Riset Akuntansi dan Keuangan Vol 11, No 3 (2023): Jurnal Riset Akuntansi dan Keuangan. Desember 2023 [DOAJ dan SINTA Indexed]
Publisher : Program Studi Akuntansi FPEB UPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jrak.v11i3.52018

Abstract

Abstract. This study aims to determine the effect of financial literacy, financial attitude, financial management behavior on the performance of culinary field MSMEs in Purwokerto city. The population in this study is all Micro, Small, and Medium Entreprises (MSMEs) field MSMEs engaged in Purwokerto city. The method used for sampling is cluster sampling/area sampling. The number of respondents used are 129 respondents. The data collection technique use a questionnaire. The data is processed and analyzed using multiple linear regression analysis technique with SPSS software version 25. The results in this study indicate that: (1) financial literacy has a positive effect on the performance of culinary field MSEs; (2) financial attitude has a positive effect on the performance of culinary field MSEs;(3) financial management behavior has a positive effect on the performance of culinary field MSEs. The implications of this research are that the Manpower, Cooperatives, and SMEs office in Banyumas Regency can provide financial training to Micro and Small Entreprises (MSEs) to improve financial literacy, conduct socialization and education regarding the importance of financial attitude, and providing technical guidance on financial knowledge that can increase knowledge and ability in financial management. Keywords. Financial Literacy; Financial Attitude; Financial Management Behavior;  the performance of MSMEs. Abstrak. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, sikap keuangan, dan perilaku pengelolaan keuangan terhadap kinerja UMKM bidang kuliner di Kota Purwokerto. Populasi dalam penelitian ini yaitu seluruh  UMKM bidang kuliner di Kota Purwokerto. Adapun metode yang digunakan untuk pengambilan sampel yaitu cluster sampling/area sampling. Jumlah responden yang digunakan yaitu sebanyak 129 responden. Teknik pengumpulan data dilakukan dengan menggunakan kuesioner. Data diolah dan dianalisis menggunakan teknik analisis regresi linier berganda melalui software SPSS versi 25. Hasil penelitian ini menunjukkan bahwa: (1) literasi keuangan berpengaruh positif terhadap kinerja Usaha Mikro dan Kecil, (2) sikap keuangan berpengaruh positif terhadap kinerja Usaha Mikro dan Kecil, (3) perilaku pengelolaan keuangan berpengaruh positif terhadap kinerja Usaha Mikro dan Kecil. Implikasi dari penelitian ini adalah bahwa Dinas Tenaga Kerja, Koperasi, dan UKM Kabupaten Banyumas dapat memberikan pelatihan keuangan kepada pemilik Usaha Mikro dan Kecil untuk meningkatkan literasi keuangan, melakukan sosialisasi serta edukasi mengenai pentingnya sikap keuangan, dan mengadakan bimbingan teknis mengenai pengetahuan keuangan yang dapat meningkatkan pengetahuan dan kemampuan dalam pengelolaan keuangan.Kata kunci. Literasi Keuangan; Sikap Keuangan; Perilaku Pengelolaan Keuangan; Kinerja UMKM.
Co-Authors Anak Agung Gede Sugianthara Eliada Herwiyanti Laeli Budiarti Laila Mugi Harfiah Salma Putri Mellinia