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All Journal Coopetition : Jurnal Ilmiah Manajemen Indonesian Community Service and Empowerment Journal (IComSE) Jurnal Dharma Bhakti Ekuitas Kriez Academy Banking & Management Review
Endang Ruchiyat
Sekolah Tinggi Ilmu Ekonomi Ekuitas
Arts Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGEMBANGAN DAN PENINGKATAN KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DAARUT TAUHID DALAM RANGKA MENINGKATKAN KESEJAHTERAAN UMAT Rahmat -; Dadang Agus Suryanto; Endang Ruchiyat
Jurnal Dharma Bhakti Ekuitas Vol 4 No 1 (2019): Jurnal Dharma Bhakti
Publisher : STIE Ekuitas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v4i1.157

Abstract

Program pengabdian masyarakat ini bertujuan memberikan pembinaan tentang pengembangan kinerja BPRS dan memberikan pemahaman tentang penerapan tata kelola BPRS yang baik, berdasarkan pertimbangan pemikiran bahwa BPRS sangat berperan dalam memberdayakan ekonomi umat berdasarkan prinsip Syariah dengan mengembangkan golongan ekonomi lemah yaitu Usaha Mikro, Kecil, dan Menengah (UMKM). Kegiata pengabdian melibatkan pengurus, pejabat eksekutif dan pegawai BPRS. Melalui program pengabdian tersebut memberikan nilai tambah dan manfaat khusunya untuk BPRS Daarut Tauhid, sehingga dapat mengelola Dana dengan baik dan menyalurkan pembiayaan kepada UMKM meningkat. Berkembangnya usaha dan berjalannya prinsip-prinsip tata kelola yang baik diantaranya terdapat kelengkapan kebijakan, pedoman/SOP, peningkatan kualitas Sumber Daya Insani, penataan teknologi akuntasi, serta adanya perluasan jaringan, kinerja BPRS Daarut Tauhid semakin tumbuh dan berkembang, UMKM berkembang berdampak pula pada meningkatnya kesejahteraan umat. Keberadaan BPRS Daarut Tauhid juga memberikan pengaruh terhadap terjadinya pengembangan ekonomi Syariah pada daerah tersebut.
Analisis Rasio Modal, Efisiensi Operasional, Bunga Bersih, Likuiditas, Dan Kredit Bermasalah, Terhadap Rasio Laba Rahmat Rahmat; Endang Ruchiyat
Coopetition : Jurnal Ilmiah Manajemen Vol. 12 No. 3 (2021): Coopetition: Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v12i3.751

Abstract

This study aims to analyze financial ratios which include Capital Ratios, Operational Efficiency Ratios, Net Interest Ratios, Liquidity Ratios, Non-Performing Loans Ratios to Profit Ratios at Conventional Commercial Banks in Indonesia. The banks studied were based on bank grouping in terms of ownership category which included State-Owned Banks, National Private Foreign Exchange Banks, National Private Non-Foreign Exchange Banks, Regional Development Banks, Joint Venture Banks, and Foreign Banks. The analysis technique used is multiple regression analysis. Because the data used is secondary data, to determine the accuracy of the model, it is necessary to test several classical assumptions that underlie the regression model. Classical assumption tests used in this study include tests, normality, multicollinearity, heteroscedasticity and autocorrelation. Furthermore, to test the effect of financial ratios as mentioned, statistical tests withused Multiple Linear Regression were. Based on the research, it is found that the Capital Ratio, Operational Efficiency, Interest Yield, Liquidity, and Non-Performing Loans affect bank profits.
Pendampingan Penyusunan Pedoman Staffing Model Untuk Meningkatkan Efisiensi Usaha Pada PT. Asuransi Bangun Askrida Bandung Endang Ruchiyat Ruchiyat; Rahmat Rahmat; Dadang Agus Suryanto
Indonesian Community Service and Empowerment Journal (IComSE) Vol 2 No 2 (2021): Inonesian Community Service and Empowerment Journal (IComSE)
Publisher : Divisi Pengabdian dan Pemberdayaan Masyarakat (DP2M) UNIKOM

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (326.547 KB) | DOI: 10.34010/icomse.v2i2.5449

Abstract

This community service activity was carried out in Kelurahan, Cijagra, Lengkong District, Bandung City, 40253 with the target of PT. Askrida Insurance Bandung. Based on interviews and observations, the problems faced by partners today are the amount of premium rates that are difficult to compete with similar companies, poor work governance that requires employees to work overtime every day and the slow delivery of services to customers. This program has the following objectives: 1) improving the welfare of the community through the improvement of healthy financial institutions, especially insurance 2) improving the skills and professionalism of the community 3) increasing business efficiency for partners so that they are able to compete and serve the community better. This activity uses two approaches, namely the training and mentoring approach. The training approach includes: 1) job analysis training; 2) training on work load analysis (work load analysis); and 3) skills training for the preparation of staffing model guidelines. While the mentoring methods include: 1) assistance in conducting job analysis; 2) workload analysis assistance; 3) assistance in the preparation of staffing model guidelines. The results of this community service activity have an impact on clients to be able to organize their employees well, so as to improve business efficiency and serve the community better.
EXPLORING THE INFLUENCE OF UNIVERSITY-SME COLLABORATIVE INNOVATIONS ON TECHNOLOGY IN INDONESIA: A MULTILEVEL PERSPECTIVE Budi Raharja , Arif; Ruchiyat, Endang; Matriadi , Faisal
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Technological innovation plays a key role in facing the complex challenges faced by Indonesia in the era of globalization. Collaboration between universities and Small and Medium Enterprises (UKM) has been recognized as an effective way to accelerate technological development that is relevant to society's needs. In this study, we explore the influence of collaborative innovation between universities and SMEs on technology in Indonesia using a multilevel perspective. This perspective includes three levels of analysis: micro, mezzo, and macro. At the micro level, we see the interaction of individuals and organizations in collaboration. At the mezzo level, we consider the dynamics and relationships between universities and SMEs. Meanwhile, at the macro level, we pay attention to external factors such as government policies and economic conditions that influence collaboration. Through this analysis, we highlight the important role of government policy in creating a conducive environment for collaboration, supporting necessary infrastructure, regulatory and bureaucratic reform, determining strategic research priorities, and establishing innovation networks. We conclude that collaboration between universities and SMEs has great potential to accelerate technological development in Indonesia, but requires appropriate support and policies from the government as well as good coordination between various stakeholders.  
EXPLORING THE INFLUENCE OF WORK-TO-VENTURE ROLE CONFLICT ON HYBRID ENTREPRENEURS' TRANSITION INTO ENTREPRENEURSHIP IN INDONESIA Matriadi , Faisal; Ruchiyat, Endang; Budi Raharja , Arif
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Abstract This research aims to examine the influence of role conflict between main job and side business on the transition of hybrid entrepreneurs to full-time entrepreneurship in Indonesia. Hybrid entrepreneurs are individuals who run a side business while still maintaining their main job as their main source of income. Role conflict may arise due to the dual demands of both roles, which may affect the hybrid entrepreneur's motivation, commitment, and ability to transition to full-time entrepreneurship. This research uses a combined approach between literature study analysis and online surveys. First, a detailed search was conducted in academic databases to identify current and relevant information on role conflict and the transition to entrepreneurship. Literature study analysis is used to build a strong conceptual framework. Next, an online survey was distributed to hybrid entrepreneurs in Indonesia to collect primary data on experiences, perceptions and challenges faced in the transition to full-time entrepreneurship. The research results show that role conflict between main job and side business influences the motivation and commitment of hybrid entrepreneurs in deciding to switch to full-time entrepreneurship. Hybrid entrepreneurs tend to experience pressure and stress because they have to divide their attention and time between their main job and side businesses. Value conflicts between professional obligations and entrepreneurial ambitions may also interfere with hybrid entrepreneurs' commitment to their side businesses. Strategies used by hybrid entrepreneurs to overcome role conflict include effective time management, use of productivity tools, psychological strategies such as meditation or relaxation, task delegation, and role integration between main job and side hustle. Hybrid entrepreneurs are also strongly influenced by the external environment, including regulatory factors and infrastructure support. Business-friendly regulations and good infrastructure support facilitate the transition of hybrid entrepreneurs to full-time entrepreneurship by reducing the administrative and operational burdens faced.  
UNDERSTANDING THE RELATIONSHIP BETWEEN MARKET ORIENTATION, FAILURE LEARNING ORIENTATION, AND FINANCIAL PERFORMANCE Ruchiyat, Endang; Ayu Amrita , Nyoman Dwika; Budi Raharja , Arif
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

This study discusses the relationship between market orientation, failure learning orientation, and company financial performance. Market orientation reflects a company's ability to identify and respond effectively to market needs, while failure learning orientation emphasizes the importance of learning from negative experiences to improve innovation and operational efficiency. The main objective of this research is to understand how the integration between a strong market orientation and a failure learning orientation can affect a company's financial performance. This research uses a literature study approach by analyzing various relevant journal articles, textbooks and research reports. The results of the literature analysis show that a strong market orientation is positively related to increasing company revenues through product development that is more in line with customer needs and the effectiveness of marketing strategies. In addition, a strong market orientation is also associated with increased profitability through appropriate pricing strategies and high customer retention. On the other hand, failure learning orientation plays a crucial role in enhancing corporate innovation. The ability to learn from mistakes allows organizations to design better products or services, avoid similar risks in the future, and adapt to market changes. Literature research also shows that companies that are able to integrate a failure learning orientation in their organizational culture tend to be more adaptive and innovative. Furthermore, integration between a strong market orientation and a failure learning orientation can produce better financial results. Companies that have a strong focus on market needs and are open to learning from failure tend to experience higher revenue growth, improve operational efficiency, and create sustainable competitive advantages. Thus, this research concludes that the strategic combination of a strong market orientation and failure learning orientation can make a significant contribution to a company's financial performance in facing a dynamic business environment.  
EXPLORING THE INFLUENCE OF ONLINE DISCUSSION BOARDS ON EQUITY CROWDFUNDING DYNAMICS Ruchiyat, Endang; Ay, Nyoman Dwika; Budi Raharja , Arif
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Equity crowdfunding has become a popular method of funding small and medium enterprises (SMEs) and startups. As internet technology has developed, online discussion forums have also played an increasingly important role in shaping perceptions and investment decisions in the industry. This abstract examines the impact of online discussion forums on the dynamics of equity crowdfunding and how regulations related to both influence the behavior of investors, market players, and technology development. By analyzing relevant literature, it is concluded that online discussion forums play an important role in providing a platform for investors to obtain information, validate investment ideas, and influence overall market sentiment. However, the effectiveness of online discussion forums can be influenced by several factors, including the credibility of the information, the presence of moderators, and interactions between forum members. Meanwhile, regulations relating to equity crowdfunding and online discussion forums can play a complex role in shaping the behavior of investors and market participants. Clear and transparent regulations can increase trust and participation in the industry, while regulations that are too strict or inflexible can stifle growth and innovation. Therefore, it is recommended that governments, regulators and industry players work together to create a regulatory framework that is inclusive, responsive and results-oriented. Public education and awareness about the importance of regulation and judicious use of online discussion forums are also crucial steps in ensuring the survival and health of the industry.
ANALYSING THE INFLUENCE OF INTERNET CELEBRITY SHORT VIDEOS ON VIEWER BEHAVIOUR: BEAUTY AS A PERSUASIVE FACTOR Redjeki, Finny; Aripin, Zaenal; Ruchiyat, Endang
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 7 (2024): Kriez Academy - June
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

This study investigates the influence of short videos by internet celebrities on consumers' perceptions and behavior towards beauty products, with a focus on the authenticity and credibility factors of influencers. The use of social media and platforms like TikTok, Instagram, and YouTube have changed the digital marketing paradigm, with beauty influencers playing a key role in influencing consumer preferences and purchasing decisions. This analysis integrates psychological theories such as identification with influencers, consumer motivation, and information processing processes to understand the mechanisms underlying the influence of these short videos. Influencer authenticity, which includes consistency in product recommendations and transparency in interactions with followers, was identified as a crucial factor in building consumer trust. Research shows that this authenticity not only strengthens the emotional bond between influencers and followers, but also strengthens the persuasive impact of the beauty messages conveyed. Additionally, an influencer's credibility, which is often tied to their reputation and experience in the beauty industry, plays an important role in increasing followers' appeal and acceptance of the products being promoted. The results of this study show that a successful influencer marketing strategy in the beauty industry must consider integrity and transparency as the main pillars. Brands should strive to build ongoing collaborations with influencers who have aligned values and prioritize honesty in conveying product information to their followers. Meanwhile, influencers need to pay attention to honesty in recommending products in order to maintain their credibility in the long term. This research provides valuable insights for marketing practitioners to optimize influencer marketing strategies in the dynamic beauty context. By understanding the role of authenticity and credibility in influencing consumer attitudes and behavior, brands can leverage the positive influence of influencers to build strong relationships with their audiences and achieve more effective marketing goals.
ANALYZING THE RELATIONSHIP BETWEEN EARNINGS MANAGEMENT PRACTICES AND CORPORATE GOVERNANCE STRUCTURES Riana, Nia; Ruchiyat, Endang; Matriadi, Faisal
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 10 (2024): Kriez Academy - September
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Earnings management has been a focal point in corporate finance and accounting due to its potential to distort financial reporting and mislead stakeholders. This study examines the relationship between earnings management practices and corporate governance structures. The aim is to explore how corporate governance mechanisms, such as board composition, ownership structure, and audit quality, influence the likelihood and extent of earnings management. Using a mixed-method approach combining quantitative data analysis and qualitative case studies, the study investigates firms listed in emerging markets over a five-year period. Results reveal that strong corporate governance structures significantly mitigate earnings management practices. However, variations are observed across industries, suggesting the interplay of sector-specific dynamics. These findings underline the critical role of robust governance frameworks in promoting financial transparency and accountability. Keywords: Earnings Management, Corporate Governance, Financial Reporting, Audit Quality Background Earnings management, the deliberate manipulation of financial statements to achieve specific financial results, remains a pervasive issue globally. Despite the adoption of international accounting standards, earnings management practices are often employed to meet market expectations or contractual obligations. On the other hand, corporate governance structures are designed to ensure the accountability of management to shareholders and other stakeholders, thereby curbing unethical financial practices. The relationship between these two elements has been widely debated in academic and professional circles. This study builds on existing literature by examining the role of various governance mechanisms, including board independence, ownership structure, and audit quality, in curbing earnings management in firms operating within emerging markets. Aims This research aims to: Analyze the extent to which corporate governance mechanisms influence earnings management practices. Identify the most effective governance structures in minimizing earnings manipulation. Offer insights into industry-specific dynamics affecting the governance-earnings management relationship.   Research Method This study employs a mixed-method research approach: Quantitative Analysis: A longitudinal dataset of 500 firms from emerging markets over five years (2017–2022) is analyzed using regression models to assess the impact of corporate governance variables on earnings management. Qualitative Case Studies: In-depth interviews with board members and auditors from 15 selected firms complement the quantitative findings, offering nuanced perspectives on governance practices. Results and Conclusion The analysis highlights that: Board Independence: Firms with higher proportions of independent directors are less likely to engage in earnings management. Ownership Concentration: Companies with dispersed ownership exhibit higher levels of earnings manipulation compared to those with concentrated ownership. Audit Quality: The presence of Big Four auditors significantly reduces earnings management practices. These findings emphasize the importance of holistic corporate governance frameworks tailored to the unique challenges of emerging markets. Contribution This study contributes to the body of knowledge by providing empirical evidence on the governance-earnings management nexus in emerging markets. It underscores the importance of regulatory reforms and best practices to strengthen corporate governance and enhance financial reporting integrity.
INVESTIGATING THE INFLUENCE OF FINANCIAL REPORTING TRANSPARENCY ON INVESTOR DECISION-MAKING Redjeki, Finny; Aripin, Zaenal; Ruchiyat, Endang
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 10 (2024): Kriez Academy - September
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

BackgroundTransparency in financial reporting is integral to the functioning of modern financial markets, as it enables investors to make informed decisions. In an increasingly interconnected global economy, where markets are influenced by diverse factors such as regulatory standards, technological advancements, and corporate governance practices, the need for clear, reliable, and accessible financial data has become even more critical. Previous financial crises, such as the 2008 global financial meltdown, highlighted the damaging effects of inadequate transparency, leading to significant losses for investors. This study investigates the influence of financial reporting transparency on investor decision-making, exploring the interplay between regulatory compliance, technological innovation, and investor behavior. AimsThe primary aim of this study is to examine the impact of financial reporting transparency on investor decision-making, focusing on how clear and accurate financial disclosures shape investor confidence and market participation. The research seeks to explore the relationship between transparency levels, technological advancements, regulatory compliance, and investor perception across different sectors. By doing so, the study aims to provide actionable insights for firms, regulators, and investors to enhance decision-making processes in financial markets. Research MethodThis research adopts a mixed-method approach, combining quantitative data analysis and qualitative insights. Quantitative data were collected from publicly available financial reports of 50 publicly listed companies across various sectors over a five-year period (2018-2022). Key financial indicators such as earnings per share (EPS), return on equity (ROE), and debt-to-equity ratios were analyzed to assess the clarity and consistency of financial disclosures. Qualitative data were gathered through semi-structured interviews with 30 individual and institutional investors, focusing on their perceptions of transparency, trust in financial reports, and challenges in interpreting financial data. The data were analyzed using statistical software for quantitative insights and thematic analysis for qualitative responses. Results and ConclusionThe study reveals a strong positive correlation between financial reporting transparency and investor confidence. Firms adhering to international reporting standards (such as IFRS) tend to attract higher levels of investment and foster greater trust among investors. Additionally, the adoption of advanced technologies like artificial intelligence (AI) and blockchain has been shown to enhance the accuracy and timeliness of financial disclosures, further improving transparency. Regulatory compliance also plays a significant role, with fully compliant firms experiencing higher investment flows and lower market penalties. However, challenges such as earnings management practices and perception gaps between individual and institutional investors highlight areas for improvement in financial reporting. The study concludes that enhancing transparency through clear disclosures, technological innovation, and regulatory adherence is crucial for fostering investor trust and improving decision-making. ContributionThis research contributes to the growing body of knowledge on financial transparency by providing empirical evidence of its impact on investor decision-making. It highlights the importance of transparent reporting, regulatory compliance, and technological advancements in shaping investor behavior and market dynamics. The findings offer practical recommendations for firms, regulators, and investors to enhance financial transparency and mitigate the risks associated with opacity in financial disclosures. Moreover, the study contributes to the understanding of the evolving role of technology in improving financial reporting practices, which has significant implications for the future of financial markets.  
Co-Authors Ay, Nyoman Dwika Ayu Amrita , Nyoman Dwika Dadang Agus Suryanto Matriadi, Faisal Raharja, Arif Budi Rahmat - Redjeki, Finny Riana, Nia Zaenal Aripin