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NPF Sebagai Variabel Moderasi dalam Pembiayaan Bank Syariah Ria Kurniawati; Yosi Safri Yetmi
KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang Vol 10, No 2 (2022): KREATIF
Publisher : Prodi Manajemen Fakultas Ekonomi Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jk.v10i2.y2022.p235-241

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh langsung dan tidak langsung dari variabel independen yaitu mudharabah, musyarakah, dan murabahah terhadap variabel dependen, yaitu profitabilitas dengan NPF sebagai variabel moderasi. Ruang lingkup penelitian hanya berfokus pada Bank Umum Syariah yang ada di Indonesia dari tahun 2016-2020. Metode penelitian yang digunakan yaitu dengan analisis jalur (path analysis) dengan bantuan software SPSS. Uji pengaruh langsung antara variabel independen tidak berpengaruh terhadap variabel dependen. Sedangkan hasil uji pengaruh tidak langsung dengan variabel NPF sebagai variabel moderasi mampu memperkuat pengaruh variabel independen terhadap variabel dependen. Penelitian ini memberikan kesimpulan NPF tidak mampu memoderasi akad pembiayaan murabahah, namun mampu memoderasi akad pembiayaan mudharabah dan musyarakah.
Service Quality and Student Referral Intentions in Higher Education: The Mediating Role of Student Satisfaction at Islam Syekh-Yusuf University Salsa Damanik; Sugeng Lubar Prastowo; Yosi Safri Yetmi
PERFECT EDUCATION FAIRY Vol. 4 No. 2 (2026): PERFECT EDUCATION FAIRY
Publisher : PT. Batari Edu Calya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/pef.v4i2.1236

Abstract

This study examines how five dimensions of service quality—tangibles, reliability, responsiveness, assurance, and empathy—shape student referral intentions through student satisfaction at Islam Syekh-Yusuf University, Indonesia. A sequential exploratory-to-confirmatory design was used: preliminary interviews contextualized service issues and informed the survey, followed by a cross-sectional questionnaire administered to 175 students from the 2021–2022 cohorts selected using proportional random sampling. The structural model was estimated with partial least squares structural equation modeling (PLS-SEM) in SmartPLS 3.2.9. The results show that assurance is the only SERVQUAL dimension with a statistically significant positive effect on student satisfaction (β = .386, p = .003). Student satisfaction, in turn, strongly predicts referral intention (β = .583, p < .001). Assurance also has a significant indirect effect on referral intention through satisfaction (β = .225, p = .005), whereas the other indirect effects are not significant. The model explains 51.7% of the variance in student satisfaction and 72.9% of the variance in referral intention. Internal consistency and convergent validity are acceptable; however, several heterotrait–monotrait (HTMT) ratios exceed the conventional .90 threshold, indicating that discriminant validity is not fully established for some construct pairs. The study therefore supports a focused managerial implication: competence, credibility, security, and clear communication are central to satisfaction-driven student referrals, while the non-significant dimensions should not be interpreted as unimportant without addressing measurement overlap and contextual heterogeneity.
The Effect of Rebranding, Brand Image, and Marketing Strategy on Customer Satisfaction: Case Study: Ace Hardware Becomes Az.ko Living World Alam Sutera Ahmad Fakhri Husaini; Yosi Safri Yetmi; Aisyah Ratnasari
PERFECT EDUCATION FAIRY Vol. 3 No. 2 (2025): PERFECT EDUCATION FAIRY
Publisher : PT. Batari Edu Calya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/pef.v3i2.1230

Abstract

This study uses a quantitative approach with a survey method. There were 180 respondents consisting of ACE Hardware customers before and after the rebranding to Az.ko. To select the sample, the researcher used non-probability sampling with purposive sampling, which is selecting respondents who meet the criteria of being at least 21 years old and have made purchases from both brands. Data was collected through an online questionnaire and analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) with the assistance of SMART PLS 3 software. The analysis results indicate that rebranding and brand image do not have a significant impact on customer satisfaction. Marketing strategies were found to have a positive and significant impact on customer satisfaction. These findings suggest that effective marketing efforts following rebranding are more influential in enhancing customer satisfaction than changes to the brand or brand image itself.
Pengaruh Current Ratio, Return on Equity, Debt to Equity Ratio dan Earning per Share terhadap Return Saham Riska Apriyanti; Tita Safitriawati; Yosi Safri Yetmi
Jurnal Bisnis Kreatif dan Inovatif Vol. 2 No. 2 (2025): Juni: Jurnal Bisnis Kreatif dan Inovatif
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jubikin.v2i2.773

Abstract

This study aims to examine in depth the influence of financial variables consisting of Current Ratio (CR), Return on Equity (ROE), Debt to Equity Ratio (DER), and Earning per Share (EPS) on Stock Returns in primary consumer sector companies listed on the Indonesia Stock Exchange (IDX) during the 2018–2022 period. This study uses a quantitative approach by utilizing secondary data in the form of annual reports published through the official websites of each company and the Indonesia Stock Exchange page, so that the data used can be accounted for its validity. Sample selection was carried out through a purposive sampling technique with certain criteria resulting in 15 sample companies with a total of 75 observation data which were then analyzed using Eviews 13 statistical software. The analysis focused on partial and simultaneous relationships between variables to determine how much each factor contributed to the movement of Stock Returns. The results showed that the Current Ratio had no significant effect on Stock Returns with a probability value of 0.4079, so that company liquidity in the short term was not a major determining factor for investors. Return on Equity also did not show a significant effect with a probability value of 0.2591, indicating that the company's efficiency in generating profits from shareholder equity has not been a consistent benchmark for investment returns. Conversely, the Debt to Equity Ratio was shown to have a significant negative effect on Stock Returns with a probability value of 0.0053, meaning that the higher the company's leverage level, the greater the risk borne, thus implying a decrease in investor interest and a decrease in returns. Earnings per Share also did not have a significant effect on Stock Returns with a probability value of 0.2989, indicating that although EPS is one of the fundamental indicators, in the context of this research period its effect was inconsistent on the returns received.
Analisis Faktor-Faktor yang Mempengaruhi Harga Emas di Indonesia Periode 2023–2025 Amelia Riski Cahya Ningrum; Yosi Safri Yetmi; Umi Kulsum
Trending: Jurnal Manajemen dan Ekonomi Vol. 4 No. 3 (2026): Juli: Trending: Jurnal Manajemen dan Ekonomi
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/trending.v4i3.7139

Abstract

This study aims to analyze the factors influencing gold prices in Indonesia during the 2023–2025 period. The research employed a quantitative method with an associative approach to examine the relationship between macroeconomic variables and gold prices. The study utilized secondary data obtained from Bank Indonesia, Statistics Indonesia, the Indonesia Stock Exchange, and Investing.com. Panel data regression analysis was applied to determine the effect of each independent variable on gold prices. The variables examined included inflation, gross domestic product (GDP) per capita, interest rates, the rupiah exchange rate, the Indonesia Composite Stock Price Index (IDX Composite), and the unemployment rate. The findings indicate that, partially, inflation and the IDX Composite have a positive but insignificant effect on gold prices. GDP per capita and the unemployment rate have a negative but insignificant effect on gold prices. In contrast, interest rates have a negative and significant effect on gold prices, while the rupiah exchange rate has a positive and significant effect on gold prices. Simultaneously, all six independent variables have a significant influence on gold prices in Indonesia during the 2023–2025 period. These findings suggest that changes in macroeconomic conditions collectively play an important role in influencing gold price movements and may serve as valuable considerations for investors and policymakers in making economic and investment decisions.