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All Journal Jurnal Ilmiah Admnistrasi Niaga Jurnal Terapan Ilmu Ekonomi Manajemen dan Bisnis (JTIEMB) Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Manajemen Bisnis Era Digital Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Jurnal Riset dan Inovasi Manajemen
Afrizawati Afrizawati
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Pengaruh Suku Bunga Deposito dan Tabungan Terhadap Permintaan Kredit Investasi Afrizawati Afrizawati
Orasi Bisnis : Jurnal Ilmiah Administrasi Niaga Vol. 5 No. 1 (2011): Jurnal Orasi Bisnis
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1026.794 KB)

Abstract

Pengaruh Suku Bunga Deposito dan Tabungan Terhadap Permintaan Kredit Investasi
Pengaruh Perubahan Harga Emas dan Promosi terhadap Minat Nasabah Cicil Emas PT Bank Syariah Indonesia Abizar Markin; Afrizawati Afrizawati; Agung Anggoro Seto
Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Vol. 2 No. 3 (2025): Agustus : Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jimakebidi.v2i3.755

Abstract

This study analyzed the influence of gold price fluctuations and promotional on customer interest in the Gold Installment product at PT Bank Syariah Indonesia Tbk, Palembang Simpang Patal Sub-Branch. A quantitative approach was employed with 100 respondents, determined using the Slovin formula and an incidental sampling technique. Data were collected through questionnaires and interviews, then processed using SPSS 26 through validity tests, reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination. The findings indicated that both partially and simultaneously, gold price fluctuations and promotions had a significant effect on customer interest, contributing 14.8 percent, while the remaining 85.2 percent was influenced by other factors outside the model. Promotion was identified as the dominant variable, implying that effective promotional strategies were key to increasing public interest in Sharia-based investments, particularly in the gold installment.
Penyusunan Anggaran Operasional sebagai Alat Pengendalian Biaya pada UMKM Pempek Love Palembang Nabilah Angraini; Paisal Paisal; Afrizawati Afrizawati
Jurnal Manajemen Bisnis Era Digital Vol. 2 No. 3 (2025): Agustus : Jurnal Manajemen Bisnis Era Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumabedi.v2i3.731

Abstract

This study aims to analyze the process of preparing operational budgets in micro, small, and medium enterprises (MSMEs) of Pempek Love Palembang, which are engaged in the culinary sector typical of South Sumatra. Pempek Love Palembang is one of the business actors that plays a role in maintaining culinary traditions while contributing to the local economy. The research approach used is quantitative descriptive, with data collection techniques through direct interviews with business owners. Interviews are focused on operational activities that cover all stages of production to sales. The scope of analysis includes the preparation of various budget components, including sales budgets, production and inventory costs, raw material budgets, direct labor budgets, overhead costs, operational costs, cost of goods sold (COGS), and profit and loss budgets. Based on the findings, it is known that Pempek Love Palembang has not prepared a budget systematically and well documented. This is due to the limited knowledge of owners and employees about the concept of budget planning, so that the financial management process runs less than optimally. The absence of a structured budget makes it difficult to evaluate performance in a measurable manner and limits the ability of businesses to project profits accurately. This study confirms that the implementation of a good operational budget is not only beneficial for setting clear targets, but also serves as a cost control tool and a basis for strategic decision-making. With proper budget planning, MSMEs such as Pempek Love Palembang can increase efficiency, maintain financial stability, and expand business development opportunities in the future. The recommendation of this study is simple financial management training for MSME actors to be able to prepare budgets independently, accurately, and sustainably for more sustainable and stable business growth.
Studi Evaluatif RGEC terhadap Stabilitas Keuangan PT Bank Panin Tbk Periode 2014–2024 Dede Kurniasih; M. Yusuf; Afrizawati Afrizawati
Jurnal Manajemen Bisnis Era Digital Vol. 2 No. 2 (2025): Mei : Jurnal Manajemen Bisnis Era Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumabedi.v2i3.753

Abstract

This study aims to evaluate the soundness of PT Bank Panin Tbk during the 2014–2024 period using the RGEC method, which assesses four key dimensions: risk, governance, earnings, and capital. This research approach is quantitative and descriptive, utilizing secondary data sourced from annual reports, financial statements, and officially published corporate governance documents. Each component is analyzed using relevant indicators, such as the NPL ratio, LDR, PDN, ROA, ROE, BOPO, NIM, and CAR. The results indicate that PT Bank Panin Tbk's risk profile, as reflected in the NPL, PDN, and LDR ratios, is largely in the healthy category, demonstrating the bank's ability to effectively manage credit and liquidity risks. An evaluation of corporate governance, based on consistent self-assessment reports over ten years, also demonstrates the achievement of a healthy rating, reflecting the bank's commitment to maintaining the principles of transparency, accountability, and regulatory compliance. Regarding earnings, profit performance, as measured by ROA, ROE, BOPO, and NIM, shows stable and positive results, confirming the bank's ability to generate sustainable profits. Meanwhile, in terms of capital, the CAR ratio recorded excellent performance and was a dominant factor in maintaining capital resilience while meeting the capital adequacy standards set by regulators. These findings confirm that PT Bank Panin Tbk was in overall good health throughout the study period. The results of this study are expected to provide strategic input for bank management in maintaining positive performance and for regulators as material for evaluating banking policies.  
Pengaruh Pengetahuan Investasi dan Literasi Keuangan terhadap Keputusan Berinvestasi Mahasiswa Politeknik Negeri Sriwijaya di Pasar Modal Judika Larisma Sitinjak; Afrizawati Afrizawati; Sari Lestari Zainal Ridho
Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis Vol. 1 No. 3 (2021): Jurnal Terapan Ilmu Ekonomi, Manajemen dan Bisnis Februari 2021
Publisher : Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/jtiemb.v1i3.2420

Abstract

The existence of this study aims to determine the effect of investment knowledge and financial literacy simultaneously and partially on the investment decision of Sriwijaya State Polytechnic students in the capital market. The data analysis used in this research is multiple linear regression analysis. The results of the partial analysis (T test): 1. the investment knowledge variable (X1) has a significant effect on the investment decisions of Sriwijaya State Polytechnic students in the capital market 2. The financial literacy variable (X2) has a significant effect on the investment decisions of Sriwijaya State Polytechnic students in the capital market. The results of this study also indicate that the investment knowledge variable has a dominant effect on the investment decision of Sriwijaya State Polytechnic students in the capital market.
Pengaruh Realisasi Biaya Operasional dan Beban Pokok Pendapatan terhadap Jasa Pemanduan Kapal pada PT Penajam Internasional Terminal Periode 2020-2024 Sherlita Christanta Saragih; Afrizawati Afrizawati; Claudya Nurcahaya
Jurnal Riset dan Inovasi Manajemen Vol. 4 No. 3 (2026): Agustus: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v4i3.6495

Abstract

This study aims to analyze the effect of the realization of operating costs and cost of revenue on ship pilotage services at PT Penajam Internasional Terminal during the 2020–2024 period. The study is motivated by fluctuations in ship pilotage services, which are suspected to be associated with changes in the realization of the company’s operating costs and cost of revenue. This study employs a quantitative approach with a descriptive method. The data used are secondary data obtained from the financial statements of PT Penajam Internasional Terminal for the 2020–2024 period through documentation and supported by interviews. The population and sample consist of five annual financial statements, determined using a saturated sampling technique. Data analysis was conducted using multiple linear regression with IBM SPSS Statistics. The results show that the realization of operating costs has a positive regression coefficient of 2.282 but does not have a significant effect on ship pilotage services, with a significance value of 0.078 > 0.05. The realization of the cost of revenue also has a positive regression coefficient of 0.873 but does not have a significant effect on ship pilotage services, with a significance value of 0.095 > 0.05. Simultaneously, the two variables also do not have a significant effect on ship pilotage services, with a significance value of 0.136 > 0.05. Nevertheless, the research model is able to explain 86.4% of the variation in ship pilotage services, while the remaining 13.6% is influenced by other factors outside the research model.
Analisis SWOT sebagai Dasar Penyusunan Strategi Pengembangan Usaha pada Rumah Makan Padang Bayang Raya Kota Palembang Dina Aprilyah; Hendra Sastrawinata; Afrizawati Afrizawati
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 4 No. 4 (2026): Agustus : Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v4i4.2647

Abstract

This study aims to analyze business conditions and formulate a strategy for the development of Rumah Makan Padang Bayang Raya in Palembang. The research uses a qualitative approach with a case study method. Data was obtained through observation, interviews, documentation, and questionnaires to business owners, employees, and consumers. The analysis was carried out using SWOT supported by IFAS and EFAS Matrices to identify internal and external factors of the business. The results of the study show that businesses have strengths in the form of affordable prices, consistent taste, strategic locations, loyal customers, and experienced workforce. Meanwhile, the weaknesses include digital promotions that are not optimal, not yet utilizing online delivery services, simple financial records, and the lack of written SOPs. Business opportunities are supported by the development of social media, increasing public interest in culinary, and the use of digital payments, while threats come from business competition, rising raw material prices, and changing consumer preferences. The results of the analysis show a SWOT coordinate of (0.274; 0.273) which places business in Quadrant I, so that the SO strategy is the most appropriate strategy by utilizing business strength to capture development opportunities.
Co-Authors Abizar Markin Agung Anggoro Seto Claudya Nurcahaya Dede Kurniasih Dina Aprilyah Hendra Sastrawinata Judika Larisma Sitinjak M. Yusuf Nabilah Angraini Sari Lestari Zainal Ridho Sherlita Christanta Saragih Syamsiar, Syamsiar