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Increasing the Business Potential of MSMEs through the Utilization of Digital Bookkeeping and Digital Marketing in Sebatik Island Eka Indriyani MS; Abdullah, Wahidah; Eka Suhartini; Parmitasari, Rika Dwi Ayu; Alim Syariati; Miftha Farild; Rusnawati
International Journal Of Community Service Vol. 4 No. 2 (2024): May 2024 (Indonesia - Ethiopia )
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v4i2.273

Abstract

The characteristics of the Indonesian economy are supported by the micro, small, and medium enterprise sectors, which account for 98.33% of the enterprise population in Indonesia. This is evidenced by the increasing number of business units, labor contribution, and contribution of MSMEs to GDP. The post-COVID-19 pandemic has brought major changes to the lifestyle of businesses and consumers along with the use of digitalization. The existence of digitalization provides opportunities for businesses to increase online sales and fast and efficient bookkeeping. The obstacles faced at this time are that Sebatik Island MSME actors still have obstacles in utilizing digital applications. Therefore, this research began by conducting community service on 13 September 2023 to provide training on digitalization to business actors. The samples in this study were 27 MSME actors dominated by culinary businesses. The methods used include mapping, interviews with UMKM participants, formulation of problems and solutions, determination of problem-solving strategies, and implementation of MSMEs seminars.
Analysis Of Stock Price Determinants In Islamic Banks In Indonesia Miftha Farild; Anggi Somba Poddala; Azizah Saban
International Journal of Economics and Management Sciences Vol. 1 No. 4 (2024): November : International Journal of Economics and Management Sciences
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijems.v1i4.271

Abstract

This study aims to determine and analyze stock prices by looking at the direct and indirect effects between inflation, interest rates, exchange rates, ROA and stock prices in Islamic Banks in Indonesia. This study uses panel data regression with variables of inflation, interest rates, exchange rates, ROA, and stock prices with data analysis using SPSS 22 software. The period of this study is 2020-2022. The results of this study indicate that inflation, interest rates, and exchange rates are significant to ROA. Inflation and ROA are directly significant to stock prices. Meanwhile, interest rates and exchange rates directly have no effect on stock prices. For the indirect relationship between inflation, interest rates, and exchange rates affect stock prices through ROA.
PERSONAL FINANCIAL PLANNING AND BUSINESS FINANCE IN UMKM IN ARA VILLAGE, BULUKUMBA REGENCY S Widad Ahmad; Miftha Farild; Wahyudi Wahyudi
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 2 No. 6 (2024): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v2i6.2812

Abstract

In an increasingly competitive economy, efficient financial management is the key to success for both individuals and businesses. Good financial planning is not only important for individuals in managing personal finances but also crucial for business continuity, especially for Micro, Small and Medium Enterprises (MSMEs). In 2023, it is estimated that the Indonesian economy will strengthen thanks to the significant contribution of MSME growth, MSMEs play a vital role as the main driver of the Indonesian economy, considering that 99% of businesses in this country are MSMEs. PKM uni aims to increase knowledge about personal finance and business finance. The method used in producing the focus of PKM objectives is Service Learning (SL), where through this approach business groups are invited to not only understand the theory of using science and technology in their business activities theoretically, but also to apply this knowledge practically. The results obtained are Based on the survey conducted, there was a positive response from the participants in the community service activities which was seen from the average of the three aspects in the survey results which were classified as very high above four. There were no significant obstacles during the process of implementing community service activities, due to good cooperation from partners and a high intention to learn from the training participants.
Exchange Rate Effectiveness in Five ASEAN Countries: Indonesia, Malaysia, Singapore, Thailand and the Philippines Fauzia Bakhtiar; Anggi Somba Poddala; Miftha Farild; Wahyudi Wahyudi
ePaper Bisnis : International Journal of Entrepreneurship and Management Vol. 1 No. 4 (2024): December: ePaper Bisnis : International Journal of Entrepreneurship and Managem
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/epaperbisnis.v1i4.128

Abstract

Exchange rate is defined as the currency that can be exchanged per unit to another currency, or the price of one currency to another currency. The purpose of this study is to determine the effect of inflation, interest rates and investment on exchange rates in five ASEAN countries, namely Indonesia, Malaysia, Singapore, Thailand, and the Philippines. The variables used in this study are exchange rates, inflation, interest rates and investment as moderating variables. Data sources come from World Development Indicators and Investing.com. The analysis used is multiple linear analysis with the help of SPSS 22 software. The results of this study indicate that inflation and interest rates have no effect on investment. In addition, inflation, interest rates and investment have no effect on exchange rates in five ASEAN countries. Then, the effect of inflation and interest rates on exchange rates through investment also does not have a significant effect.
ANALISIS DIGITALISASI KEUANGAN TERHADAP EFESIENSI PRODUKTIVITAS USAHA KECIL DAN MENENGAH (UMKM) Poddala, Paramita; Poddala, Anggi; Farild, Miftha
Assets: Jurnal Ekonomi, Manajemen, dan Akuntansi Vol 15 No 1 (2025): Assets : Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/assets.v15i1.59483

Abstract

The purpose of this study is to examine how financial digitization helps micro, small, and medium enterprises (MSMEs) in the digital economy era improve their productivity and efficiency. This study focuses on MSMEs in Makassar City. The research subjects are 10 MSME players who have used at least one form of digital financial application. A descriptive qualitative method was used, involving observation, documentation, and in-depth interviews with MSME operators from various industries. The results of the study indicate that the use of digital financial applications and the QRIS payment system has helped MSME operators record transactions more quickly, create more accurate financial reports, and facilitate data-driven decision-making processes. Thus, digitalization has a significant impact on improving the efficiency and productivity of small and medium-sized enterprises (SMEs) in Makassar City. Digital transformation, particularly in the form of utilizing digital financial technology, e-commerce platforms, and financial recording and online marketing applications, has helped daily operations, financial management, and market growth for local small and medium-sized enterprises (SMEs).
Pengaruh Laverage dan Likuiditas Sebagai Prediktor Beta Saham Pada Indeks LQ45 di Bursa Efek Indonesia Bakhtiar, Fauzia; Farild, Miftha
Study of Scientific and Behavioral Management Vol 1 No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v1i2.16357

Abstract

Dalam kaitannya dengan investasi dan perdagangan saham di bursa, Beta merupakan sebuah indikator yang mencerminkan tingkat risiko yang terkandung dalam saham terhadap tingkat risiko pasar. Penelitian ini bertujuan untuk mengetahui pengaruh Variabel Keuangan  terhadap Beta Saham pada Indeks LQ45 yang terdaftar  di Bursa Efek Indonesia. Variabel bebas dalam penelitian ini yaitu laverage (X1), Likuiditas (X2), yang diukur dengan DAR,CR   yang dinyatakan dalam  persen (%), sementara variabel terikat adalah Beta Saham (Y) yang yang dinyatakan dalam persen (%). Populasi adalah semua perusahaan LQ45, sedangkan sampel adalah 16 perusahaan LQ45 yang memenuhi kriteria pemilihan sampel yang telah ditetapkan. Uji Asumsi Klasik, Uji F dan uji-t. Berdasarkan hasil persamaan regresi berganda maka diperoleh  persamaan Ŷ = 57,095 +0,906DAR+0,029CR.  Berdasarkan hasil Uji F dan Uji t pada Level of significance 5 % (α = 0,05). Dari uji F diatas diperlihatkan bahwa didapat F hitung sebesar 4,183 dengan probabilitas 0,019. Maka variable Leverage, likuiditas mampu mempengaruhi secara simultan atau bersama-sama pada variable beta saham. Uji t menunjukkan bahwa, ditemukan 1 variabel memiliki tingkat signifikan dibawah 0,05 yaitu leverage dengan nilai t hitung sebesar 2,89 dan signifikansinya sebesar 0,005. Hal ini berarti laverage berpengaruh secara positif dan signifikan terhadap beta saham pada Indeks LQ45. sedangkan untuk variabel likuiditas memiliki tingkat signifikan di atas 0,05 yaitu likuiditas dengan nilai t hitung sebesar 1,147 dan signifikansinya sebesar 0.255 > 0,05,  berpengaruh secara positif dan tidak signifikan terhadap beta saham pada Indeks LQ45. Nilai r Square (r2) sebesar 0.098. Artinya bahwa kontribusi variable X (laverage, likuiditas) terhadap variable Y (beta saham)  sebesar  9,8 persen, sedangkan 91,2  persen (100%-r2) sisanya dipengaruhi oleh variabel lain yang tidak diteliti.Kata Kunci: laverage , Likuiditas , beta saham.
Analisis Kinerja Keuangan Perbankan Syariah Sebelum dan Sesudah Implementasi Pembatasan Financing to Value (FTV) Farild, Miftha; Bakhtiar, Fauziah
Study of Scientific and Behavioral Management Vol 1 No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v1i2.19093

Abstract

Tujuan penelitian ini untuk menganalisis perbandingan kinerja keuangan Perbankan Syariah di Indonesia sebelum dan sesudah diimplementasikan Surat Edaran Bank Indonesia No. 14/33/DPbS perihal Pembatasan Financing to Value (FTV) pada Pembiayaan Kepemilikan Rumah Bagi Bank Umum Syariah dan Unit Usaha Syariah. Adapun Perbankan Syariah yang diteliti yaitu 11 Bank Umum Syariah (BUS) di Indonesia dengan menggunakan data berupa Laporan Keuangannya yang diinterpolasi menjadi 6 Laporan Keuangan per semesteran. Jenis penelitian ini merupakan penelitian komparasi kuantitatif yang maksudnya menggambarkan sutu keadaan atau fenomena berdasarkan angka untuk menganalisis perbandingan kinerja keuangan Perbankan Syariah sebelum dan sesudah implementasi pembatasan Financing to Value (FTV). Sampel yang digunakan dalam penelitian ini adalah Perbankan Syariah di Indonesia yang mempublikasikan laporan keuangannya pada periode bulan Juni 2012 sampai dengan bulan Desember 2014. Teknik pengambilan data yaitu teknik kepustakaan (library research) dan metode dokumentasi. Untuk indikator kinerja keuangan dipergunakan perhitungan kuantitatif dengan menggunakan rasio Return On Asset (ROA) & Non Performing Financing (NPF) dari Perbankan Syariah di Indonesia. Penelitian ini memperoleh hasil bahwa kinerja Perbankan Syariah mengalami penurunan akibat terpengaruh oleh ketentuan Financing to Value (FTV) dimana ketentuan tersebut mengakibatkan perlambatan penyaluran pembiayaan khususnya pada sektor pembiayaan properti maupun pembiayaan konsumsi beragunan properti. Kata Kunci : Financing to Value (FTV), Kinerja Keuangan, Analisa Rasio, ROA, dan NPF.
Pengaruh Volume Penjualan dan Harga Saham terhadap Keuntungan Investasi pada PT Garuda Indonesia Tbk Bakhtiar, Fauzia; Wahyudi, Wahyudi; Farild, Miftha
Study of Scientific and Behavioral Management Vol 2 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v2i2.21732

Abstract

Penelitian  ini bertujuan untuk mengetahui apakah penjualan dan harga saham berpengaruh terhadap keuntungan investasi pada PT Garuda Indonesia Tbk.  Penelitian ini menggunakan data sekunder dala periode januari 2019 sampai desember 2020 pada PT Garuda Indonesia Tbk. Kedua variabel berpengaruh simultan terhadap keuntungan investasi. Untuk pengaruh parsial Variabel harga saham berpengaruh negatif signifikan terhadap keuntungan investasi sedangkan penjualan tiket penerbangan berpengaruh negatif tidak signifikan terhadap keuntungan investasi. Nilai  r Square (r2) sebesar 0.782 yang berarti bahwa kontribusi variabel(X), yaitu: penjualan dan harga saham terhadap variable (Y) keuntungan investasi adalah sebesar  78,2% persen, sedangkan 21,8% persen (100%-r2) sisanya dipengaruhi oleh variabel lain yang tidak diteliti.                                                                                         Kata Kunci:  penjualan, harga saham, keuntungan investasi
Pengaruh Harga dan Promosi Terhadap Loyalitas Transportasi Ojek Online Gojek di Makassar: Pengaruh Harga dan Promosi Terhadap Loyalitas Transportasi Ojek Online Gojek di Makassar Bakhtiar, fauzia; Miftha Farild; Wahyudi
Study of Scientific and Behavioral Management Vol 3 No 1 (2022): Fenomena Keuangan, Pemasaran, & Sumber Daya Manusia di masa Covid-19 & New Normal
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v3i1.27443

Abstract

The purpose of this study was to determine the effect of price and promotion on online motorcycle taxi customer loyalty in Makassar City. This research is associative research. This study looks for the relationship between price (X1), promotion (X2) and loyalty (Y). The population in this study were all online motorcycle taxi application users in Makassar. As for the sample of this study, the use of the Go-jek application in Makassar. Using primary data. Using a questionnaire in the form of a Likert scale to collect research data. The results of the study which were processed using SPSS, with a significance of 5% (0.05) showed that the price variable had a negative but not significant effect on loyalty. Promotion shows a significant positive effect on loyalty. While the price has a significant positive effect on promotion. Price and promotion have a significant simultaneous effect on loyalty. Likewise, the results of the path test show that there is an indirect effect of price on loyalty through promotion. Keywords: Price, Promotion, Loyalty, Ojek Online
Meningkatkan Kualitas Penyajian Laporan Keuangan melalui Sistem Informasi Akuntansi Berbasis ERP-SAP Ismail, Muhammad Fahreza; Sari, Nur Rahmah; Farild, Miftha
Study of Scientific and Behavioral Management Vol 3 No 4 (2022): The New Era of Business Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v3i4.34241

Abstract

This study aims to examine how ERP-SAP based Accounting Information Systems are able to improve the quality of financial statements at PT PLN Persero UIKL SULAWESI. This study is a qualitative study with a case study approach. The data used is primary data obtained through interviews and observation. Data analysis used data triangulation which consisted of data reduction, data presentation, and drawing conclusions. The results of this study indicate that the Accounting Information System at PT PLN Persero UIKL SULAWESI has a major contribution to the quality of financial reporting, especially in the process of preparing and presenting financial reports. In addition, this study also found that the results of financial reporting that were input using the ERP-SAP based Accounting Information System were able to improve the quality of the financial reports by fulfilling the qualitative requirements of financial reporting and providing an integrated system that allows the central office to control data processing automatically in real time.