Didin Fatihudin
Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Surabaya, Jawa Timur, Indonesia

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LITERASI KEUANGAN, INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY DAMPAKNYA TERHADAP SUSTAINABILITY UMKM TARIK SIDOARJO Putri, Andin Cipta; Mauliddah, Nurullaili; Mahardhika, Budi Wahyu; Fatihudin, Didin
JURNAL AKUNTANSI : TRANSPARANSI DAN AKUNTABILITAS Vol 12 No 2 (2024): JURNAL AKUNTANSI: TRANSPARANSI DAN AKUNTABILITAS
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jak.v12i2.19333

Abstract

Penyerapan tenaga kerha menjadi salah satu peran bagi Usaha mikro, kecil dan menengah dalam mencapai pertumbuhan perekonomian di negara berkembang khususnya Indonesia. Sidoarjo merupakan salah satu daerah yang menjadi sorotan nasional karena mendapat julukan sebagai “Kota UMKM Indonesia”. Tarik sebagai salah satu bagian yang berada di Kabupaten Sidoarjo memiliki jumlah UMKM relatif banyak. Namun demikian, pelaku UMKM yang kurang mampu mengelola keuangan dengan baik dan masih manual dalam melakukan transaksi penjualan. Menganalisa pengaruh literasi keuangan, inklusi keuangan dan financial technology terhadap keberlangsungan usaha UMKM merupakan tujuan dari penelitian ini. Sampel riset meliputi para pelaku usaha UMKM Kecamatan Tarik yang masih aktif dengan jumlah 100 responden. Penelitian kuantitatif dengan sumber data primer menggunakan kuesioner yang telah dikukan pengujian validitas dan reliabilitas. Peneliti melakukan analisis menggunakan analisis regresi linear berganda dengan teknik pemilahan sampel stratified random sampling. Pengolahan data menggunakan alat bantu program SPSS versi 26.
Pengaruh Return On Asset, Debt To Equity Ratio dan Net Profit Margin Terhadap Harga Saham Pada Perusahaan Jasa Sub-Sektor Pariwisata Anastasya, Cella; Fatihudin, Didin; Mauliddah, Nurullaili
Improvement: Jurnal Manajemen dan Bisnis Vol 3 No 1 (2023): Vol 3 No 1 Maret 2023
Publisher : UMSurabaya Publishing

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

Abstract

This research was entitled An Effect of Retun on Asset, Debt to Equity Ratio, and Net Profit Margin on share prices in tourism sub-sector service companies listed on the Indonesia Stock Exchange (IDX) in the 2012-2021 period. There were 5 samples with a research sampling method using purposive sampling techniques. Analysis of this research used the Eviews 13 program. The results showed that partially Return on Assets did not have a significant effect on stock prices while Debt to Equity Ratio and Net Profit Margin have a significant effect on stock prices. Simultaneously, Return on Assets, Debt to Equity Ratio and Net Profit Margin had a simultaneous and significant effect on stock prices. Penelitian ini berjudul pengaruh Retun on Asset, Debt to Equity Ratio, dan Net Profit Margin terhadap harga saham pada perusahaan jasa sub-sektor pariwisata yang terdaftar di Bursa Efek Indonesia (BEI) pada periode tahun 2012-2021. Terdapat 5 sampel dengan metode pengambilan sampel penelitian menggunakan teknik purposive sampling. Analisis penelitian ini menggunakan program Eviews 13. Hasil dari penelitian ini menunjukkan secara parsial Return on Asset tidak berpengaruh signifikan terhadap harga saham sedangkan Debt to Equity Ratio dan Net Profit Margin berpengaruh signifikan terhadap harga saham. Secara simultan diperoleh hasil Return on Asset, Debt to Equity Ratio dan Net Profit Margin berpengaruh secara simultan dan signifikan terhadap harga saham. Keywords: Return On Asset, Debt to Equity Ratio, Net Profit Margin, Harga Saham
Pengaruh Word Of Mouth, Kepercayaan, dan Produk Terhadap Keputusan Nasabah Memilih Pembiayaan Modal Usaha Ariyanti , Wulan Suci; Fatihudin, Didin
Improvement: Jurnal Manajemen dan Bisnis Vol 3 No 2 (2023): Vol 3 No 2 September 2023
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v3i2.22691

Abstract

Abstract: This study aims to determine the effect of word of mouth, trust, and product variables on customer decisions to choose financing at PT PNM Mekaar Semampir Branch 1. This research method uses a quantitative approach. Data collection was done online by distributing questionnaires to 141 respondents. Sample research with purposive sampling technique. The analysis tool uses SPSS version 25 through the following stages: Validity Test, Reliability Test, Classical Assumption Test, Multiple Linear Regression Analysis, Coefficient of Determination, and Hypothesis Test. The results of this study indicate (1) Word of Mouth has a positive and significant effect on the Customer Decision of PT PNM Mekaar Semampir Branch 1 (2) Trust has a positive and significant effect on the Customer Decision of PT PNM Mekaar Semampir Branch 1 (3) Products have a positive and significant effect on the Customer Decision of PT PNM Mekaar Semampir Branch 1. (4) Word of Mouth, Trust, and Products simultaneously affect the Customer Decision of PT PNM Mekaar Semampir Branch 1. Keyword: word of Mouth, trust, product, decision Abstrak: Penelitian ini bertujuan untuk mengetahui pengaruh variabel word of mouth, kepercayaan, dan produk terhadap keputusan nasabah memilih pembiayaan di PT PNM Mekaar Cabang Semampir 1. Metode Penelitian ini menggunakan pendekatan kuantitatif. Pengumpulan data dilakukan secara online dengan menyebar kuesioner kepada 141 responden. Penelitian sampel dengan teknik purposive sampling. Alat analisis menggunakan SPSS versi 25 melalui beberapa tahapan berikut: Uji Validitas, Uji Reliabilitas, Uji Asumsi Klasik, Analisis Regresi Linier Berganda, Koefisien Determinasi, dan Uji Hipotesis. Hasil dari penelitian ini menunjukkan (1) Word Of Mouth berpengaruh positif dan signifikan terhadap Keputusan Nasabah PT PNM Mekaar Cabang Semampir 1(2) Kepercayaan berpengaruh positif dan signifikan terhadap Keputusan Nasabah PT PNM Mekaar Cabang Semampir 1(3)Produk berpengaruh positif dan signifikan terhadap Keputusan Nasabah PT PNM Mekaar Cabang Semampir 1. (4) Word of Mouth, Kepercayaan, dan Produk berpengaruh secara simultan terhadap Keputusan Nasabah PT PNM Mekaar Cabang Semampir 1 Kata kunci: word of Mouth, kepercayaan, produk, keputusan nasabah
Peran Current Ratio, Debt To Equity Ratio, dan Return On Equity Terhadap Nilai Perusahaan Property dan Real Estate Lisa; Fatihudin, Didin; Mahardhika, Budi Wahyu
Improvement: Jurnal Manajemen dan Bisnis Vol 4 No 1 (2024): Vol 4 No 1 Maret 2024
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v4i1.24345

Abstract

The Property and Real Estate sector is one of the sectors that has the highest share growth among others. There is a good opportunity so that there is a lot of potential for the population to continue to grow and will have an impact on increasing development in the housing sector, development and so on which can be used as a tool to attract investors. This research method used multiple linear regression analysis with data processing using SPSS program tools. The sampling method for this research used a purposive sampling technique. The research sample consisted of 13 companies. The research results show that the Current Ratio (CR) has a significant negative effect on company value (PBV), the Debt-to-Equity Ratio (DER) has no effect on company value (PBV), and Return on Equity (ROE) has a significant positive effect on company value (PBV). Current Ratio (CR), Debt to Equity Ratio (DER), and Return on Equity (ROE) influence company value (PBV). Keywords: Current Ratio, Debt to Equity Ratio, Return on Eqiuty, dan Nilai Perusahaan Sektor Property dan Real Estate merupakan salah satu sektor yang memiliki partumbuhan saham tertinggi diantara yang lainnya. Terdapat peluang yang baik sehingga memiliki banyak potensi penduduk yang terus bertambah dan akan berdampak pada kenaikan pembangunan di sektor perumahan, pembangunan dan lain sebagainya yang dijadikan alat untuk manarik para investor.Metode penelitian ini menggunakan analisis regresi linier berganda dengan pengolahan data menggunakan alat bantu program SPSS. Metode pengambilan sampel penelitian ini menggunakan teknik purposive sampling. Sampel penelitian terdiri dari 13 perusahaan. Hasil penelitian menunjukan bahwaCurrent Ratio (CR)berpengaruh negatif signifikan terhdap nilai perusahaan (PBV),Debt To Equity Ratio (DER) tidak berpengaruh terhadap nilai perusahaan (PBV), dan Return On Equity (ROE) berpengaruh positif signifikan terhadap nilai perusahaan (PBV). Current Ratio (CR), Debt To Equity Ratio (DER), dan Return On Equity (ROE) berpengaruh terhadap nilai perusahaan (PBV). Keywords: Current Ratio, Debt to Equity Ratio, Return on Equity, dan Nilai Perusahaan
Pengembangan Kompetensi Tenaga Kerja Dalam Pengelolaan Hotel Syariah di Surabaya Soleh , Mohammad; Fatihudin, Didin
Improvement: Jurnal Manajemen dan Bisnis Vol 5 No 1 (2025): Vol 5 No 1 Maret 2025
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v5i1.26518

Abstract

In the sharia hotel industry, competent of personnel play a key role in ensuring high-quality services that align with Sharia principles. The personnel competencies of Sharia Hotel including a deep understanding of Islamic values, interpersonal skills, and technical expertise in sharia hospitality, greatly impact guest satisfaction and business sustainability. This article explores the strategic role of personnel competent in supporting sharia hotel operations that comply with Sharia law, enhancing competitiveness in the global market, and building a reputation for trust and professionalism. Interviews were conducted with the management of Syariah Hotels in Surabaya, East Java. These findings provide valuable insights for Sharia Hotel managements and societies in building effective teams to meet the diverse and evolving needs of guests and the potential of the sharia hotel business in optimizing business performance in the sharia hospitality industry. Keywords: Competency; Human Resources Development; Sharia Hotel Industry Dalam industri hotel syariah, tenaga kerja yang kompeten memegang peranan kunci dalam memastikan pelayanan yang berkualitas tinggi sekaligus sesuai dengan prinsip-prinsip syariah. Kompetensi tenaga kerja hotel Syriah yang mencakup pemahaman mendalam terhadap nilai-nilai Islam, kemampuan interpersonal, serta keterampilan teknis di bidang perhotelan syariah, sangat berpengaruh pada kepuasan tamu dan keberlanjutan bisnis. Artikel ini mengeksplorasi peran strategis tenaga kerja kompeten dalam mendukung operasional hotel yang selaras dengan hukum syariah, meningkatkan daya saing di pasar global, serta membangun reputasi kepercayaan dan profesionalisme. Wawancara dilakukan kepada manajemen Hotel Syariah di Surabaya, Jawa Timur. Temuan ini memberikan wawasan penting bagi pengelola, industri hotel syariah dalam membangun tim kerja yang efektif untuk memenuhi kebutuhan tamu yang beragam dan terus berkembang serta potensi bisnis hotel syariah untuk mengoptimalkan kinerja bisnis dalam industri perhotelan syariah. Kata Kunci: Kompetensi; Pengembangan Sumber Daya Manusia; Industri Hotel Syariah
Financial Performance Against Stock Prices of the Mining Sector in Indonesia Madiha, Fathinul; Fatihudin, Didin; Roosmawarni, Anita
The Journal of Financial, Accounting, and Economics Vol. 2 No. 1 (2025)
Publisher : PT. Global World Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58857/JFAE.2025.v02.i01.p01

Abstract

This study aims to analyze the effect of financial performance on the stock price of mining sector companies listed on the Indonesia Stock Exchange (IDX) during the period 2012–2015. The independent variables in this study consist of Return on Assets (ROA), Return on Equity (ROE), Earnings Per Share (EPS), Price-to-Earnings Ratio (PER), and Price-to-Book Value (PBV). In contrast, the dependent variable is the stock price. The study population includes all mining sector companies listed on the IDX, with samples obtained through a purposive sampling method. The data analysis technique employed is multiple linear regression analysis, which tests the simultaneous and partial effects of each variable on stock prices. The results of the hypothesis testing indicate that all financial performance variables have a significant effect on stock prices simultaneously. To some extent, EPS, ROA, and PBV have a significant impact on stock prices, while ROE and PER do not exhibit a significant effect. EPS was found to be the most dominant variable in influencing the stock prices of mining sector companies. Theoretically, these results strengthen the existing literature on the importance of EPS indicators in stock valuation. At the same time, they provide guidance for investors in making informed investment decisions based on fundamental analysis. This study also suggests the need for a sector-specific approach in evaluating the effect of financial indicators on stock prices.
Positive Negative Economic Impact of Covid-19 and Macroeconomic Policy on Industry, Business Sector in Indonesia Fatihudin, Didin; Musriha; Daud, Nahu; Wuryani, Eny; Sembiring, Murpin J.; Holisin, Iis
Sinergi International Journal of Economics Vol. 3 No. 3 (2025): August 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/economics.v3i3.403

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This paper present the result of analysis that economic impact of Covid-19 on industrial prices/commodities, the business sector in Indonesia is not all negative, but there are also positives. WFH policy, social distancing, physical distancing, #dirumahaja, many people do not leave the house, negatively impact the inhibition of the distribution channel of goods/services. from upstream to downstream, from supplier to manufacturer, distributor to consumer. But there are certain sector companies that have a positive impact on their financial performance even though they are not as big as when normal, especially those based on virtual, pharmaceuticals and food. The methods used in this study are descriptive and expost facto. The resurt of this study in indonesian macroeconomic policies in the face of covid-19 economic stabilization, in the form of interest rate subsidies, tax rates, social assistance, direct cash assistance (BLT), low-cost staples. Lower banking rates, lower income tax rates, ease of provision of basic materials. Delays in paying credit installments (principal and interest), easier provision of capital for medium-small enterprises (SMEs), micro-empowerment capital, to increase banking capital, control prices, avoid inflation. Delays in paying credit installments (principal and interest), easier provision of capital for medium- small enterprises (SMEs), micro-empowerment capital, to increase banking capital, control prices, avoid inflation. The limitation this study needs many sampling and objective analysis for sectors affect by covid 19.
Implementation of investment and working capital financing allocated by banks towards the added GDP, labors, and welfare in four regencies in Madura Fatihudin, Didin; Hidajat, Sjamsul; Sya’ban, Ma’ruf
Journal of Economics, Business, and Accountancy Ventura Vol. 18 No. 1 (2015): April - July 2015
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v18i1.379

Abstract

This study investigates the implementation of investment financing absorption and private bank sectors’ working capital to increase GDP, employment, and welfare of the four counties in Madura island (Bangkalan, Sampang, Pamekasan, Sumenep). This is the development of a previous study. This explanatory study is based on the model devel-opment concept or theory with Path Analysis through the data normality, multicolli-nearity, and heteroscedasticity test as well as causality. The data were taken from Bank Indonesia, Investment Coordinating Board, and the Central Bureau of Statistics. This is a time series data of 2002 to 2006. It shows that the financing of investment to GDP has significant and negative effect, financing of investment to labor absorption has signifi-cant and negative effect; financing working capital to GDP has significant and positive effect; financing of working capital to labor absorption has significant and negative effect; GDP in the labor market has no significant nor positive effect; GDP for the welfare effect, it has positive but not significant effect; employment in the welfare has a significant and positive effect. The direct effect or indirect implementation of financing from banks to finance investments and working capital to the entrepreneurs has increasingly a significant and positive effect. Absorption has dominated world finance working capital financing, following the least consumption and investment. Thus, it was natural that the implementa-tion of the investment credit and working capital has a significant and positive effect on economic growth, absorption of labor, and welfare in all four counties in Madura.
Analisis Kualitas Produk, Harga dan Brand Image: Evaluasi Segmentasi Pasar di Persebaya Store Surabaya Prawira, Yuda; Fatihudin, Didin; Mulyana, Phonny Aditiawan; Firmansyah, Muhammad Anang
Improvement: Jurnal Manajemen dan Bisnis Vol 4 No 2 (2024): Vol 4 No 2 September 2024
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/imp.v4i2.25119

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This study aims to analyze product quality, price and brand image to evaluate Persebaya Store market segmentation. The type of research was descriptive qualitative because it only wants to describe product quality, price and brand image for evaluating the compatibility of market segmentation after the Covid-19 pandemic. The unit of analysis in this study was Persebaya Store merchandise users (Persebaya fans), while the sample size used was 98 respondents. The technique of taking sample members from the population uses purposive sampling with certain characteristics. The results showed that product quality, price and brand image were still rated high, this was in line with the characteristics of respondents based on geographical, demographic, psychographic and behavioral aspects that came from young people who were always associated with aesthetic values, product style and being able to fulfill their social lifestyle. The findings in this study indicate that product quality, price and brand image are still aligned with the four aspects of market segmentation, but the environmental changes during the Covid-19 pandemic shifted changes in people's lifestyles in meeting their needs, especially the influence of social media in meeting the lifestyle needs of Persebaya Store merchandise users who always demand convenience, speed and accuracy in fulfilling their needs without being limited by space, place and time. Keywords: Market Segmentation, Persebaya Store, Product Quality, Price, Brand Image Penelitian ini bertujuan untuk menganalisis kualitas produk, harga dan brand image untuk mengevaluasi segmentasi pasar Persebaya Store. Jenis penelitian ini adalah deskriptif kualitatif karena hanya ingin mendeskripsikan kualitas produk, harga dan brand image untuk evaluasi kesesuaian segmentasi pasar pasca pandemi Covid-19. Unit analisis dalam penelitian ini adalah pengguna merchandise Persebaya Store (suporter Persebaya), sedangkan ukuran sampel yang digunakan sebanyak 98 responden. Teknik pengambilan anggota sampel dari populasi menggunakan purposive sampling dengan karakteristik tertentu. Hasil analisis menunjukkan bahwa kualitas produk, harga dan brand image masih dinilai tinggi, hal ini selaras dengan karakteristik responden berdasarkan aspek geografik, demografik, psikografik dan perilaku yang berasal dari kalangan usia muda yang selalu identik dengan nilai estetika, style produk, serta dapat memenuhi gaya hidup sosial mereka. Temuan dalam penelitian ini menunjukkan bahwa kualitas produk, harga dan brand image masih selaras dengan empat aspek segmentasi pasarnya, namun perubahan lingkungan selama pandemi Covid-19 menggeser perubahan gaya hidup masyarakat dalam memenuhi kebutuhan, khususnya pengaruh media sosial dalam memenuhi kebutuhan gaya hidup pengguna merchandise Persebaya Store yang senantiasa menuntut kemudahan, kecepatan dan keakuratan dalam memenuhi kebutuhannya tanpa dibatasi oleh dimensi ruang, tempat dan waktu. Kata kunci: Segmentasi Pasar, Persebaya Store, Kualitas Produk, Harga, Citra Merek
Analysis of Financial Distress Potential Using the Altman Z-Score and Springate Methods in Predicting Company Bankruptcy Afifah, Nindy Tri; Fatihudin, Didin; Roosmawarni, Anita
The Journal of Financial, Accounting, and Economics Vol. 1 No. 2 (2024)
Publisher : PT. Global World Scientific

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58857/JFAE.2024.v01.i02.p01

Abstract

This study aims to identify the potential for financial distress in oil and gas sub-sector companies listed on the Indonesia Stock Exchange using two prediction models, namely Altman Z-Score and Springate. This study also tests whether there is a significant difference between the two methods in detecting bankruptcy risk. The sampling method used is purposive sampling, with the population consisting of all oil and gas sub-sector companies listed on the IDX during the period 2011–2015, and six companies were obtained as samples that met the criteria. This study was motivated by the decline in national oil and gas reserves, technical-operational challenges, and global oil price volatility which have a significant impact on the financial stability of companies in this sector. The data analysis methods used include the application of the Altman Z-Score and Springate models to calculate the financial distress score for each company, followed by a Paired Sample T-Test to determine significant differences between the two methods. The results of the study indicate that most companies show indications of being in a high-risk zone for financial distress, both based on the Altman Z-Score and Springate analyses. In addition, statistically significant differences were found between the prediction results of the two models, indicating differences in sensitivity in detecting bankruptcy risk. The implications of this study indicate the importance for oil and gas company management, investors, and regulators to use more than one analysis model in identifying and anticipating financial crises early in order to maintain the sustainability of the national energy industry.