Claim Missing Document
Check
Articles

The Moderating Role of Islamic Financing Access in the Impact of Islamic Financial Knowledge and Financial Confidence on Financial Well-being among MSME Owners Febriyanto, Febriyanto; Pariyanti, Eka; Japlani, Ardiansyah; Rinnanik, Rinnanik
Jurnal Manajemen Bisnis Vol. 15 No. 2: September 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v15i2.22164

Abstract

Research aims: This study aims to explore the relationship between Islamic financial knowledge, financial confidence, and financial well-being, with access to Islamic financing as a moderating variable, specifically targeting MSME owners in Lampung Province, Indonesia.Design/Methodology/Approach: Data was collected from MSME owners through surveys in Lampung Province, Indonesia. The study employed Jeffreys's Amazing Statistics Program (JASP) for data analysis, examining correlations between variables and assessing moderation effects.Research findings: The findings reveal positive correlations between Islamic financial knowledge, financial confidence, and financial well-being among MSME owners in Lampung Province, Indonesia. Additionally, access to Islamic financing was found to positively moderate the relationship between Islamic financial knowledge, financial confidence, and financial well-being.Theoretical Contribution/Originality: This research contributes to the existing literature by filling a gap and offering fresh insights into the factors influencing financial well-being among MSME owners, particularly within the context of Islamic finance. By uncovering the mechanisms underlying financial well-being in this demographic, it advances knowledge in the field.Practitioners/Policy Implications: Practitioners can develop targeted financial literacy programs and innovative financing products for MSME owners. Policymakers can streamline regulations and incentivize financial institutions to expand Islamic financing options, promoting financial inclusion and sustainable MSME growth in Lampung Province and beyond.Research Limitations/Implications: Despite its contributions, this study has limitations that should be acknowledged. The findings are based on data collected from MSME owners in Lampung Province, Indonesia, which may limit the generalizability of the results. Future research could expand the sample size and geographical scope to enhance the external validity of the findings.
Analisis Kinerja Keuangan Dengan Menggunakan Metode MVA (Market Value Added) Pada PT. Bank Panin Dubai Syariah Nur Ayu Istiqomah; Karnila Ali; Febriyanto
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 1 (2025): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i1.4439

Abstract

The development of today's This study aims to determine the financial performance of PT.Bank Panin Dubai Syariah using the Market Value Added (MVA) method. Based on theresults of Market Value Added (MVA) analysis at PT. Bank Panin Dubai Syariah for the last3 years, namely 2019-2021, has shown a pretty good increase, this proves that the companyis able to manage capital so that the profits generated increase. But in 2020 the companyexperienced a very significant decline. Then with the analysis of Market Value Added (MVA)at PT. Bank Panin Dubai Syariah in 2019-2020 has a good value which shows added valuefor the Company
Pengaruh Komitmen Organisasi Dan Kompensasi Terhadap Kinerja Karyawan Dengan Kepuasan Kerja Sebagai Variabel Intervening Pada Lapak TBS Kelapa Sawit CV. Mitra Makmur Di Mesuji Jimi Hidayat; Sugeng; Febriyanto
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 3 (2025): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i3.4537

Abstract

This research was motivated by the researcher's curiosity regarding how Organizational Commitment, Compensation, and Job Satisfaction can have a significant influence on Employee Performance at the TBS Kelapa Sawit CV. Makmur Partners. The aim that researchers want to achieve in this research is to find out whether organizational commitment and compensation influence employee performance and to find out whether organizational commitment and compensation influence employee performance through job satisfaction. The method used in this research is a quantitative method, in the data collection process the researcher used a questionnaire distribution technique to 30 respondents. The data analysis technique uses Requirements Analysis Test and path analysis test. The research results show that organizational commitment has a direct effect on employee performance, compensation has a direct effect on employee performance, organizational commitment has a direct effect on employee performance through job satisfaction ( ). Compensation influences employee performance through job satisfaction, and job satisfaction influences employee performance ( ).
Pengaruh Inflasi, Kurs, Dan Harga Minyak Bumi Dunia Terhadap Indeks Harga Saham Gabungan Di BEI Tahun 2010-2020 Linda Listari; Febriyanto; Sri Retnaning Rahayu
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 2 (2025): Juni
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i2.4684

Abstract

The development of the Composite Stock Price Index at the end of the year from 2010 to 2020 tends to fluctuate due to several factors. Factors that influence the Composite Stock Price Index are inflation, exchange rates and world oil prices. The objectives of this research are 1) To determine the effect of inflation on the Composite Stock Price Index on the BEI for 2010-2020. 2) To determine the effect of exchange rates on the Composite Stock Price Index on the IDX for 2010-2020. 3) To determine the influence of world oil prices on the Composite Stock Price Index on the BEI for 2010-2020. 4) To determine the joint influence of inflation, exchange rates and world oil prices on the Composite Stock Price Index on the BEI for 2010-2020. This research is a type of conclusive research that is quantitative in nature. The population in this study is monthly Composite Stock Price Index (IHSG) data recorded on the IDX from January-December 2010 to January-December 2020. The population in this study was 132 months, namely January-December 2010 to December 2020. The samples in this study numbered 11, namely from 2010 to 2020. The data obtained was analyzed using multiple linear regression equations, coefficient of determination, t test, and f test. Based on the results of the research and discussion, several conclusions can be drawn that 1) The inflation variable has no effect on the Composite Stock Price Index (IHSG). 2) There is a positive and significant influence between the exchange rate on the Composite Stock Price Index (IHSG). 3) The World Petroleum Price (ICP) variable has no effect on the Composite Stock Price Index (IHSG). 4) There is a positive and significant influence between inflation, exchange rates and World Petroleum Prices (ICP) simultaneously or together on the Composite Stock Price Index (IHSG)
Pengaruh Semangat Kerja Dan Lingkungan Kerja Terhadap Kinerja Karyawan Dengan Gaya Kepemimpinan Sebagai Variabel Moderating (Studi Kasus Pada CV. Maju Sejahtera Intimojopahit) Ahmad fatur Rahman Sampurna jaya; Febriyanto; Dharmawan
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 3 (2025): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i3.5376

Abstract

The aim of this research is to determine whether there is an influence of work morale and work environment on employee performance with leadership style as a moderating variable on CV. Maju Prosperous Inti Mojopahit. The role of employees is very important to the success or failure of the company. Problems related to performance are also a tragic issue for companies that program human resource problems. Success in performance depends on work morale, work environment, and leadership style. With less than optimal performance caused by a lack of work enthusiasm among employees and a poor work environment, as well as the implementation of a leadership style that is not wise enough, the results obtained are less than optimal. This research uses quantitative research; the sample in this research is 40 employees. The data collection technique uses a questionnaire, with data analysis using Validity Test, Reliability Test, Normality Test, Linearity Test, Homogeneity Test, MRA Interaction Test, R Determination Test, and Statistical Hypothesis Test. By using data processing program SPSS version 22, The research results show that work enthusiasm influences employee performance, the work environment influences employee performance, and leadership style as a moderation variable is able to strengthen work enthusiasm for employee performance at CV. Maju Sejahtera Inti Mojopahit and leadership style as a moderation variable are able to strengthen the work environment and employee performance at CV. Maju Prosperous Inti Mojopahit.
Pengaruh Orientasi Kewirausahaan Dan Strategi Bisnis Terhadap Kinerja Usaha (Studi Kasus Pada Usaha Pembenihan Ikan Nila Di Desa Bumi Harjo Batanghari Lampung Timur) Damia Latifa; Febriyanto; Selamet Fuadi
Jurnal Manajemen DIVERSIFIKASI Vol. 5 No. 3 (2025): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v5i3.5591

Abstract

This research is motivated by the problem of the high level of competitiveness of tilapia hatchery businesses that sell similar seeds, the lack of business capital to develop businesses such as adding ponds and reaching customers outside the city, the lack of optimal managerial ability in managing the business, the low level of skill of tilapia hatchery business actors in utilizing technology and workforce capabilities that are not yet professional because they have not gone through clear selection only emphasize brotherhood. This research aims to find out whether entrepreneurial orientation and business strategy individually and together have an effect on business performance. The sample for this research was tilapia hatchery business actors in Bumi Harjo Village, Batanghari, East Lampung, totaling 50 respondents. The research method uses a quantitative type of research. Data collection used questionnaires, and data analysis used validity tests, reliability tests, normality tests, linearity tests, homogeneity tests, multiple linear regression analysis, t tests, f tests, coefficient of determination r2 tests and statistical hypotheses using SPSS version 25 program tools. The results of this research show that (1) entrepreneurial orientation has a positive and significant effect on business performance with a tcount of 25.944 > ttable 2.011 and sig 0.000 > 0.05. (2) business strategy has a positive and significant effect on business performance with a tcount of 32.717 > ttable 2.011 and sig 0.000 > 0.05. (3) entrepreneurial orientation has a positive and significant effect on business performance with a value of fcount > ftable 3.20 and sig 0.000 > 0.05.
Analisis Pengaruh Literasi Keuangan dan Financial Technology Terhadap Kinerja Keuangan Pada Usaha Mikro, Kecil, Menengah (UMKM) di Kota Metro Lampung Zalvira Aprilia Putri; Febriyanto; Karnila Ali
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.5916

Abstract

The development of Micro, Small and Medium Enterprises (MSMEs) is currently increasingly rapid. In this development, of course, MSME players are faced with various obstacles, especially related to limited capital. Apart from that, technological advances require MSME players to adapt to always keep up with developments, one of which is by utilizing financial technology. The aim of this research is to find out how financial literacy and financial technology influence the financial performance of MSMEs located in Metro City, Lampung Province. This research used an instrument in the form of a questionnaire which was distributed to 100 respondents who were MSME actors. The research method used is descriptive quantitative. The results of this research state that financial literacy and financial technology have a significant effect on the financial performance of MSMEs in Metro City, Lampung Province.
Analisis Laba dan Arus Kas Serta Pengaruhnya Terhadap Kondisi Kesulitan Keuangan Pada Perusahaan Manufaktur Sektor Makanan dan Minuman yang Terdaftar di Bursa Efek Indonesia Periode 2019-2021 Aulya Damayanti; Febriyanto; Nani Septiana
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6237

Abstract

This research aims to determine the effect of profits andcash flow on financial difficulties in food and beverage manufacturing companies listed on the Indonesian Stock Exchange. This research uses a quantitative descriptive analysis model. The population in this study were food and bevverage companies for the period 2019 to 2021. The number of samples in this study was 12 food and beverage companies obtained from a purposive sampling technique. The data collection technique uses documentation from financial repots published on the official website of the Indonesia Stock Exchange, namely www.idx.ix. The analysis techniques used are classical assumptions and multiple regression analysis. The results of this research show that profit influences financial difficulties, cash flow influences financial difficulties.
Analisis Strategi Pemasaran Produk Pembiayaan Murabahah Indah Ayu Puspita Sari; Febriyanto; Durotun Nasikah
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6321

Abstract

The purpose of this research is to find out what the marketing strategy for Murabahah financing products is at BMT Assyafi'iyah Berkah Nasional and to find out what the SWOT analysis of the marketing strategy for Murabahah financing products is at BMT Assyafi'iyah Berkah National.This research method is descriptive qualitative: The technique used in collecting data for this research uses observation, interviews, documentation studies and focus group discussions. Then, in data analysis, descriptive analysis was carried out to identify marketing strategies for murabahah financing products at BMT Assyafliyah Berkah Nasional in Kotagajah based on SWOT analysis. The results of the research carried out are: 1) Marketing strategies, especially marketing of murabahah financing products implemented by BMT Assyafliyah Kotagajah, include several strategies, namely pick-up strategies, building networks, providing excellent service, and providing satisfactory facilities to increase customer trust and satisfaction, so that existing customers will not be separated from BMT. 2) The results of the SWOT analysis show that BMT Assyatliyah Kotagajah can compete in a competitive market. The results of the SWOT analysis are almost the same as BMT in general
Strategi Pengembangan Mitra dan Implementasi Warkop Digital Oleh PT. Cybers Global Indonesia Dalam Mendukung Revolusi Industri 5.0 di Indonesia Asri Nalistia; Nani Septiana; Febriyanto
Jurnal Manajemen DIVERSIFIKASI Vol. 6 No. 1 (2026): Maret
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/diversifikasi.v6i1.6528

Abstract

Technological development has become a major driver in social, economic, and cultural transformation around the world. In Indonesia, the entry of the industrial revolution 4.0 era has changed the paradigm of human activities from manual to digital. PT Cybers Global Indonesia, a company committed to advancing Indonesia towards the era of industrial revolution 5.0, is one of the pioneers in supporting the digital transformation. One of its business units, Warkop Digital, is a coffee shop concept that integrates digital services with internet technology, providing access to information and opportunities to develop village potential. This research explored the partner development strategy and implementation of Warkop Digital by PT Cybers Global Indonesia in supporting the industrial revolution 5.0 in Indonesia. Although still in its early developmental stages, Warkop Digital had successfully reached 26 partnerships from 14 Provinces in Indonesia. However, the biggest challenge faced was how to expand this concept widely throughout Indonesia with a limited number of partners. Thus, this study aimed to investigate effective strategies to expand the reach of Warkop Digital so that it can have a broader impact on economic and social development in Indonesia.
Co-Authors Abimanyu Prasetya Adelia Ananda Rizky Afdal Mazni Agita, Agita Agusti, Ninda Putri Zulekha Sapta Ahmad fatur Rahman Sampurna jaya Ali, Karnila Ambawani, Sasi Andiansyah, Rio Andriyani Dwi Puspitasari Angelica, Aulia Anggraini, Oktavia Nur Anhar, Achmad Zainal Aninda Amelia Aprilya Doti Ardiansyah Japlani, Ardiansyah Arif Saputra, Arif Ariyani, Khusnul Nisaa' Ariyanti, Siti Iftiyah Arsy Aysyah Anas Arwan Junianto Asmar Hasan Asri Nalistia Aulya Damayanti Azyasa, Mutiara Wika Beby Astri Tarigan Damia Latifa Daniel Daniel Daniel Happy Putra Dea Novita Sari Desy Labora Banjar Nahor Dharmawan Dharmawan Lubis Dicky Perwira Ompusunggu Durotun Nasikah Edison Ginting Edy Widodo, Deny Eka Bekti Oktaviani Eka Pariyanti Eka Pariyanti Eka Septiana Fahsya Zshulhan Finansiya, Ananta Firdha Amalia Fitriani Fitriani Ganang Seja Al Gani Gusnia Devianti Haqiyah, Aridhotul Harry Patuan Panjaitan Hernanda, Reza Hesti Elmania Ida Sariyani Indah Ayu Puspita Sari Iskandar Iskandar Ismayani, Meiriyanti istiqomah istiqomah Japlani Jayanti, Okta Suci Jimi Hidayat Khotip, Zainal Kudri, Wan Muhamad Kuncoro Budi Riyanto Kuncoro Budi Riyanto Kurniawan, Rizcky Juli La Ode Kasno Arif, La Ode Kasno Lailliyah, Mafwah Dian Linda Listari Linda, Wahyu Ama Lukman Nuzul Hakim Lukman Yunus, Lukman Lumenta, Marshel Yordan Lusiana Tulhusnah Mahdaleni Mahdaleni Maulina, Dyah Arista Mufid, Rozin Khairon Mursila Hanum Nanda, Audi Gita Nani Septiana Nasyi’atun Inayati Utami Ndaruwati, Mega Putri Novita, Eka Nur Afni Safarina, Nur Afni Nur Ayu Istiqomah Nurris Septa Pratama, Nurris Septa Nynda Fatmawati Octarina, Nynda Fatmawati Puspa, Rio Azqy Beauty Putra, Jody Alfian Rachman, Riza Rafael Prasetyo Silaban Ramadani, Nurul Dewi Raniana, Vina Ratmono Ratmono Ratmono, Ratmono Riani, Fanni Risma Elza Rini Kartika Sari Rinnanik Ristanti, Ersa Mei Riyanto, Kuncoro Budi Riza Setiawan Gusma Roliyanti Roliyanti Rusilawati, Ermina Sadikin, Mohammad Aufar Sally Cahyati Sandra, Intan Ayu Kartika Saputra, RM. Adita Satriyawan, Denny Selamet Fuadi Seodega, Seodega Sepridayana, Sepridayana Septiana, Nani Setiawan, Dandi Rama Sholikhah, Septiana Mar'atus Sigalingging, Marhaban Siti Mutmainah Siti Zulaikha Wulandari Sri Hartini Sri Rejeki Sri Retnaning Rahayu Sri Retnaning Rahayu Sugeng Suhada, Bambang Suhadi Suhadi Suharto Suharto Suherman, Suherman Sulastiningsih susilawati Sutopo, Heri Suyadi Suyadi Suyono Suyono SYAMSU ALAM Tamam TATANG ISKANDAR, TATANG Taufik Hidayat Tintien Harsonowati Turohman, Nurhidayat Twiko Erlian Agus Wahyudi Nurmansyah Widodo, Deny Edy Yemima Grasella Yuni Tri Astuti, Yuni Tri Yustinus Ulung Anggraito Yuyun Maita Dewi Zalvira Aprilia Putri