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All Journal Jurnal Keuangan dan Perbankan Kinerja Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Wacana, Jurnal Sosial dan Humaniora Jurnal Manajemen dan Kewirausahaan (JMDK) Ekonomi Bisnis Asia-Pacific Management and Business Application AKRUAL: Jurnal Akuntansi Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Bisnis dan Manajemen Jurnal Ekonomi & Keuangan Islam Management and Economics Journal (MEC-J) EKUITAS (Jurnal Ekonomi dan Keuangan) Iqtishoduna: Jurnal Ekonomi Islam International Journal of Business Studies Jurnal Ilmiah Akuntansi Kesatuan Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Pengabdian Masyarakat Asia International Journal of Multidisciplinary: Applied Business and Education Research Asian Journal of Management Analytics Jurnal Management Risiko dan Keuangan International Journal of Business and Applied Economics (IJBAE) Journal Research of Social Science, Economics, and Management Siber Journal of Advanced Multidisciplinary Jurnal Dinamika Manajemen
Nur Khusniyah Indrawati
Faculty Of Economics And Business, Universitas Brawijaya, Malang
Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Social Sciences Other

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Biased behavior in borrowing from loan sharks Novita Rahayu Pratiwi; Nur Khusniyah Indrawati; Risna Wijayanti
Jurnal Ekonomi & Keuangan Islam Volume 9 No. 1, January 2023
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol9.iss1.art3

Abstract

Purpose – This study aims to explore and understand how the mindset of merchant women in Montong Traditional Market so choose loan sharks as their loan source, which refers to the perspective of behavior and financial literacy.Methodology – This qualitative research with a Schutz phenomenological design, takes the research setting in Montong Traditional Market, Tuban. Data were collected through observation, interviews, and documentation.Findings – The results of the study show five biased of merchant women towards loan sharks, namely confirmation bias, framing, herding effect, hindsight bias, and representativeness. 'Agamis' in the merchant women in Montong Traditional Market does not guarantee that she is free from loan sharks. Implications – The results of this study indicate that related parties, such as religious leaders, the society leader, and cooperatives in Montong Traditional Market, Tuban, are expected to be able to increase education related to financial literacy through existing programs effectively and efficiently. Banks and cooperatives in the Montong Traditional Market area should be able to pick up the ball by providing door-to-door services to merchant women in Montong Traditional Market as a maximum effort to eradicate loan shark practices.Originality – This study explores the mindset of merchant women on loan sharks, whereas previous studies related to loan sharks have only explored them from an economic perspective.
CREATING FIRM VALUE: LINKING DEMAND UNCERTAINTY, ADAPTATION VERSUS REPLACEMENT INVESTMENTS, AND RISK Nur Khusniyah Indrawati
Jurnal Bisnis Manajemen Vol 21, No 1 (2020): March 2020
Publisher : Fakultas Ekonomi dan Bisnis Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/jbm.v21i1.461

Abstract

Real assets investment can relate to real options. This study aims at analysing the effect of demand uncertainty on replacement investment and adaptation investment supported by manager’s attitude towards risk and the effect of each investment type on firm values. The 352 observation data was collected from companies listed in Indonesia Stock Exchange. The data was analyzed using Path analysis. The research findings prove that demand uncertainty can increase the adaptation investment, which is in contrast to replacement investment. The manager’s attitude towards risk in terms of demand uncertainty and adaptation investment is considered as risk-taker, while in replacement investment is risk aversion. The effects of the two investment types also differ on firm value. The adaptation investment cannot increase the firm value, while the replacement investment can. The manager has the policy to make or not to make profitable investments to maximize investment returns based on real option policy and to decrease the risk, as the real assets investments are not passive investments. The manager’s attitude towards risk is quasi moderation, both in replacements investment and adaptation investment. It implies that manager’s attitude towards risk can be a moderator and independent variable. 
Perception and Practices of Personal Financial Management among Generation Z in Indonesia Ahmad Fathoni Ardyansyah; Nur Khusniyah Indrawati
Journal Research of Social Science, Economics, and Management Vol. 3 No. 12 (2024): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v3i12.687

Abstract

Generation Z, born between 1995 and 2010, is notable for its proficiency with technology, social media presence, expressiveness, tolerance, and multitasking abilities. The advancement of technology, combined with these qualities, raises the possibility that Generation Z will have consumerist tendencies. This study aims to examine Generation Z's perceptions and practices of personal financial management in Indonesia. The research employs a qualitative approach with data collection through literature review. The Significance of Personal Financial Management, Building Economic Stability Through Financial Literacy are some of the major subjects that were investigated. The results revealed that by managing their finances, Generation Z may achieve their goals, protect themselves from uncertainty, and contribute significantly to society. Personal financial management is essential for ensuring financial security and personal well-being. Developing financial literacy in Generation Z is obviously vital to ensuring economic stability. Providing people with the knowledge and abilities to handle their money wisely helps to improve both their financial security and the overall stability of the economy. One of the primary responsibilities of the Indonesia Financial Services Authority, also known as Otoritas Jasa Keuangan, or OJK, is to promote financial literacy throughout the country. Financial literacy is critical for both individual financial well-being and economic stability.
LEVERAGE, RISK BASED CAPITAL, UNDERWRITING RESULT, DAN PROFITABILITAS PERUSAHAAN ASURANSI DI INDONESIA Sinaga, Patrick Immanuel; Indrawati, Nur Khusniyah
Jurnal Management Risiko dan Keuangan Vol. 1 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (344.743 KB) | DOI: 10.21776/jmrk.2022.01.2.01

Abstract

The objective of this research is to analyze the effect of leverage, risk-based capital, and underwriting result on profitability. Leverage (proxied by debt-to-equity ratio), risk-based capital, and underwriting result are used as the dependent variables estimated to be influential to profitability, i.e. the dependent variable, which is proxied by return on equity. This study was conducted on insurance companies listed on the Indonesia Stock Exchange. The data was obtained by accessing the website of the Indonesia Stock Exchange and the companies’ published annual reports. Using purposive sampling, eight listed companies during the 2016-2020 were selected as the sample. The results of the multiple linear regression have led to findings that leverage positively and significantly affects profitability and that risk-based capital and underwriting result do not affect it. The findings of this study can be used by insurance company managers to maintain their superior financial performance by optimizing profitability and controlling leverage.
Pengaruh Financial Literacy dan Locus of Control Terhadap Penggunaan Utang Shopee Paylater Kamil, Ihsan; Indrawati, Nur Khusniyah
Jurnal Management Risiko dan Keuangan Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2023.02.2.05

Abstract

The pay later feature can actually be an easier and more convenient option for people to access credit without a card. A good understanding of the pay later feature is needed so that users avoid debt bondage and complicated installments. It is evident, in the pay later service, the loan default rate (TWP) or bad loans measured at 90 days from maturity had touched the level of 7.9 percent at the start of the pandemic, last year. This type of research is explanatory research. The population in question is students who use the Shopee Pay Later product in Jabodetabek with a sample of 130 respondents. The analytical method used is multiple linear regression. The results of the study show that good financial literacy will determine the right decision to use debt on Shopee Pay Later products according to the budget you have and the ability to determine financial priorities. Furthermore, with a locus of control that one has, one can think well in determining financial decisions such as the decision to use debt on Shopee Pay Later products. Through controlling the locus of control, one can use all the experiences and beliefs one has so that it leads to financial decisions.   Abstrak Fitur Pay Later sebenarnya dapat menjadi opsi yang lebih mudah dan nyaman bagi masyarakat dalam mengakses kredit tanpa kartu. Pemahaman fitur pay later dengan baik sangat dibutuhkan agar pengguna terhindar dari jeratan utang maupun cicilan yang melilit. Terbukti, pada layanan pay later, tingkat wanprestasi pinjaman (TWP) atau kredit macet yang diukur pada durasi 90 hari sejak jatuh tempo sempat menyentuh level 7,9 persen pada awal pandemi, tahun lalu. Jenis penelitian ini adalah explanatory research (penelitian penjelasan). Populasi yang dimaksud ialah mahasiswa pengguna produk Shopee Pay Later di Jabodetabek dengan sampel sebanyak 130 responden. Metode analisis yang digunakan adalah regresi linier berganda. Hasil penelitian menunjukkan bahwa financial literacy yang baik akan menentukan keputusan Penggunaan Utang Pada Produk Shopee Pay Later dengan tepat sesuai dengan anggaran yang dimiliki serta kemampuan dalam menentukan prioritas keuangannya. Selanjutnya, dengan locus of control yang dimiliki seseorang dapat berfikir dengan baik dalam menentukan keputusan keuangannya seperti keputusan Penggunaan Utang Pada Produk Shopee Pay Later. Melalui pengendalian terhadap locus of control, seseorang dapat menggunakan seluruh pengalaman-pengalaman serta keyakinan yang  dimiliki sehingga berujung pada keputusan keuangannya.
Pengaruh Penerapan Total Quality Management Terhadap Kinerja Operasional Putra, Fathur Muffidal Akram Musev; Indrawati, Nur Khusniyah
Jurnal Management Risiko dan Keuangan Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2023.02.3.06

Abstract

The escalating competition in business has urged companies to acquire competitive advantages in order to maintain their position in the market. The objective of this research is to identify the effect of  Total Quality Management on the operational performance of the head office of  Bank Nagari Padang. This explanatory research focuses on explaining the relationship between independent variables, in this case customer focus, employee empowerment, continous improvement, and fact based management, on the dependent variable, in this case operational performance. The respondents of this research are 56 managers and assistant managers of all divisions in the head office of Bank Nagari Padang. The primary data was harvested from questionnaires, while the secondary data was gathered by conducting library research. The results of the multiple linear  regression analysis performed in SPSS version 26 for Windows indicate that Total Quality Management with the dimensions of customer focus, employee empowerment, continous improvement, and fact based management significantly influences the operational performance.     Abstrak Tingkat persaingan dunia bisnis selalu mengalami peningkatan yang menyebabkan setiap perusahaan harus memiliki keunggulan kompetitif agar dapat mempertahankan posisinya di pasar. Penelitian ini bertujuan untuk mengetahui pengaruh penerapan Total Quality Management terhadap kinerja operasional pada Kantor Pusat Bank Nagari Padang. Jenis penelitian ini adalah explanatory reasearch, yaitu berfokus untuk menjelaskan hubungan antar variabel yaitu variabel independen yaitu fokus pada pelanggan, pemberdayaan karyawan, perbaikan berkesinambungan, dan manajemen berdasarkan fakta, terhadap variabel dependen yaitu kinerja operasional. Teknik pengambilan sampel pada penelitian ini menggunakan teknik sampling jenuh. Responden dari penelitian ini adalah seluruh manajer dan asisten manajer yang menjabat pada setiap divisi pada Kantor Pusat Bank Nagari Padang yang berjumlah 56 orang. Metode pengumpulan data dilakukan melalui penyebaran kuesioner sebagai sumber primer dan studi pustaka sebagai sumber sekunder. Data dianalisis dengan menggunakan Analisis Regresi Linier Berganda dengan program software SPSS version 26 for windows. Hasil dari penelitian menunjukan bahwa Total Quality Management dengan dimensi fokus pada pelanggan, pemberdayaan karyawan, perbaikan berkesinambungan, dan manajemen berdasarkan fakta berpengaruh signifikan terhadap variabel dependen yaitu kinerja operasional.
Perbedaan Harga Saham, Likuiditas Saham, Dan Reaksi Pasar Sebelum Dan Sesudah Akuisisi Dewantara, Muhammad Giffari; Indrawati, Nur Khusniyah
Jurnal Management Risiko dan Keuangan Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2024.03.1.06

Abstract

This study aims to determine the differences in stock price, stock liquidity, and market reaction pre and post the acquisition at PT Bank Permata Tbk. This type of research is an event study used to examine the information content of an event. The data source used is the daily closing stock prices for 20 days before and after the observation event. Data analysis in this study utilizes Multiple Linear Regression Analysis and Hypothesis Testing using T-Test & Wilcoxon Test. Data processing was conducted through IBM SPSS Statistics 26 program. The results of the statistical analysis, using the paired sample T-Test, indicate a significant difference between stock price, stock liquidity, and market reaction before and after the acquisition. Investors positively respond to stock prices and stock liquidity, whereas the market reacts negatively to market response (abnormal return).   Abstrak Penelitian ini bertujuan untuk mengetahui perbedaan harga saham, likuiditas saham, dan reaksi pasar sebelum dan sesudah akuisisi pada PT Bank Permata Tbk. Jenis penelitian ini adalah penelitian event study yang digunakan untuk menguji kadungan informasi dari suatu peristiwa. Sumber data yang digunakan yaitu harga saham penutupan harian selama 20 hari sebelum dan sesudah peristiwa pengamatan. Analisis data pada penelitian ini menggunakan Analisis Regresi Linier Berganda dan Uji Hipotesis menggunakan Uji T & Uji Wilcogxon. Pengolahan data dilakukan melalui program IBM SPSS Statistics 26. Hasil analisis statistik dengan menggunakan paired sample T-Test menunjukkan terdapat perbedaan signifikan antara harga saham, likuiditas saham dan reaksi pasar sebelum dan sesudah akuisisi dengan dampak direspon positif oleh investor pada harga saham dan likuiditas saham sedangkan direspon negatif oleh pasar pada reaksi pasar (abnormal return).
Risk Management Based on Islamic Boarding School Ekaningsih, Lely Ana Ferawati; Salim, Ubud; Djumahir, Djumahir; Indrawati, Nur Khusniyah; Djakfar, Muhammad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 11 No. 2 (2022): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.041 KB) | DOI: 10.54471/iqtishoduna.v11i2.1462

Abstract

Uncertainty is often associated with risk, in Islamic economics the concept of uncertainty becomes one of the important pillars in the Islamic risk management process. Nothing in this life is free from risks and facts in every organization and its activities. The purpose of this research is to reveal and explain in depth the implementation of Islamic boarding school risk management.The paradigm used is post-positivistic. This type of research uses case studies. The key informant is the manager of the pesantren. Data analysis was carried out by an interactive analysis of the model from Miles and Huberman. The application of risk management at the Manba'ul Ulum Islamic boarding school in Banyuwangi Regency from the results of the study stated that it was very beneficial/positive, as evidenced by the increase in the number of students studying at the pesantren after experiencing the pandemic period from 2019. Islamic values ​​frame Islamic boarding school risk management activities as a source of inspiration and aspirations. Has been applied by the predecessors and is a character that shapes the santri so that they are not shaken under any conditions, besides that it is also sourced from the Islamic values ​​​​of the Qur'an and hadith as principles, then the educational curriculum is sourced from the book of ridhotun nashihin or akhlaq.
Financial Decisions: A Phenomenological Study on Small-Scale Buddhist Entrepreneurs Mahadewi, Lufina; Surachman, Surachman; Hadiwidjojo, Djumilah; Indrawati, Nur Khusniyah
International Journal of Business Studies Vol. 8 No. 2 (2024): International Journal of Business Studies
Publisher : Sekolah Tinggi Manajemen IPMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32924/ijbs.v8i2.308

Abstract

ABSTRACT Religious values are contexts in social science used to explain the irrational behaviour of psychological factors in financial decision-making . The aim of the study is to explore how religious values drive financial decisions through an interpretive paradigm to capture the role of the cognitive dimension of religion and its values. The setting of this study was conducted in Bekasi, West Java. This study reveals that Buddhist entrepreneurs are individuals who intrinsically build a cultural system, one of which is religion and its values, which play a role in shaping entrepreneurial behaviour and entrepreneurial financial decisions. This study reveals that the entrepreneurial activities carried out by Buddhist entrepreneurs play a role in the dynamics of the structure of the social life of Buddhist entrepreneurs, which focuses on creating alignment of entrepreneurial goals with the fulfillment of socio-religious factors. Keywords: Financial Decision, Buddhist Values, Buddhist Entrepreneurship
Enhancing SME’s Performance based on Innovation Culture, Innovation Capability, and Strengthened by the External Environment Indrawati, Nur Khusniyah; Alfathya, Atmaya Fitra
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 9 No. 2 (2024): September
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v9i2.6220

Abstract

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Co-Authors . Djumahir . Djumahir A Muhamad Jazuli, A Muhamad Achmad Sudiro Adelia Shabrina Prameka Ady Warsito Rachman Agris Wiseptya Ahmad Fathoni Ardyansyah Aji, Kartika Aldea Mita Cheryta Alfathya, Atmaya Fitra Ali Djamhuri Andini Kurnia Fajar Prihatanti Annisa Puspitasari Annisa Shabrina Anyta, Nungky Dean Apriyanti, Rini Atim Djazuli Atmaya Fitra Alfathya Cahyaningrum, Desy Dwi Cintyarani, Safira Dahana, Raiza Nora Dedi Suselo Defri Ramadan Wardiansyah Dewantara, Muhammad Giffari Djumahir Djumahir Djumilah Hadiwidjojo Djumilah Hadiwidjojo Efionita, Yolanda Ermawati, Putri Wahyu Erwina Safitri Garnis Irawanti Gigih Megaputra Hadityo, Farras Shaesardy Hanifa Bennu Nur Haryakusuma, Kurnia Hiendarto, Ongky Ira Lailatul Maghfiroh Ismi Karima Tri Puspita Istiantoro, Jalu Nasa Jazuli , A Muhamad Kadek Yudha Agastya Tantra Kamil, Ihsan Karina Maliasari Kartika Aji Kurnia Haryakusuma Kusuma Ratnawati Laili, Choirun Nisful Lalu Aditya Putra Lambertus P Wairisal Lely Ana Ferawati Ekaningsih Liana, Esti Lily Hendrasti Novadjaja Mahadewi, Lufina Mintarti Rahayu Mintarti Rahayu Moeljadi Moeljadi Moeljadi Moeljadi Moeljadi Moeljadi, Moeljadi Mugiono Mugiono, Mugiono Muhammad Djakfar Mychelia Champaca Nanang Suryadi Ni Iffah Kesuma Noermijati Novita Rahayu Pratiwi Nugroho, Mochammad Arie Nungky Dean Anyta Ongky Hiendarto Prasintahayu, Elysa Pratama, Febby Candra Prihatanti, Andini Kurnia Fajar Puspitasari, Annisa Putra, Fathur Muffidal Akram Musev Putra, Lalu Aditya Raditha Dwi Vata Hapsari Rahmat Fajar Basarda Ratya Shafira Arifiani Risna Wijayanti Ryo Prayoga Purnama Putra Ryo Prayoga Purnama Putra, Ryo Prayoga Purnama Safitri, Niluh Santi Setiawan, Moh. Agung Sinaga, Patrick Immanuel Suciati, Ranila Sudjatno Sumiati Surachman Surachman Suselo, Dedi Syam, Nur Tantra, Kadek Yudha Agastya Tetty Widiyastuti Ubud Salim Ubud Salim Wahyudi, Deby Yuliana Wardiansyah, Defri Ramadan Zahrotul Auliya Rahmawati