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DAMPAK TTG PADA PENINGKATAN KINERJA UMKM DI GRESIK (STUDI KASUS PADA SENTRA PRODUK MAKANAN RINGAN) -, Iramani; Suryani, Tatik; Dewi, Nurul Hasanah Uswati
Prosiding Seminar Nasional Darmajaya Vol 1 (2017): SEMNAS IIB DARMAJAYA
Publisher : Prosiding Seminar Nasional Darmajaya

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Salah satu produk unggulan kabupaten Gresik adalah opak jepit, Makanan ringan ini semula diproduksi dengan cara tradisonal oleh UMKM di desa Kedung Rukem. Dengan cara tradisional ini waktu yang dibutuhkan cukup lama sehingga kapasitas produksi sangat rendah. Tujuan dari penelitian ini untuk menguji dampak penerapan Tehnologi Tepat Guna (TTG) terhadap peningkatan kapasitas. TTG dalam penelitian ini adalah penggunaan alat produksi yang diciptakan untuk proses pembuatan produk opak jepit. Penelitian dilakukan di Sentra usaha opak jepit yang terletak di desa Kedung Rukem kabupaten Gresik. Pemilihan sampel dilakukan dengan menggunakan purposive sampling dimana diambil sembilan UMKM yang memproduksi opak jepit secara kontinyu. Pengamatan dilakukan selama terhadap kapasitas produksi dan omset penjualan sebelum dan setelah penerapan TTG. Teknik analisis yang digunakan adalah paired sample t-test. Hasil yang ditemukan dalam penelitian ini adalah terdapat peningkatan kapasitas produksi dan omset penjualan produk opak jepit sebagai dampak penerapan TTG. Implementasi bisnis dari penelitian ini adalah penerapan TTG pada UMKM sangat diperlukan untuk meningkatkan daya saing UMKM.Kata kunci : Teknologi Tepat Guna, kapasitas produksi, omset penjualan

THE EFFECT OF FUNDING POLICY, DIVIDEND POLICY, COMPANY SIZE AND PROFITABILITY ON COMPANY VALUE IN MANUFACTURING COMPANIES Yanuarini, Lily; Iramani, Rr.
JURNAL EKBIS Vol 24 No 1 (2023): EKBIS (Jurnal Analisis, Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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The aim of this research is to examine and analyze the effect of funding policy, dividend policy, profitability and firm size simultaneously and partially on firm value. This study uses causal research. The data source for this research is secondary research. The sampling technique in this study was to use purposive sampling method. The research population is a manufacturing company listed on the Indonesia Stock Exchange. The type of data used is secondary data sourced from the publication of annual reports obtained from www.idx.co.id and the Indonesian Capital Market Directory. The analysis technique uses Multiple Regression Analysis (MRA). The results of the study show that funding policies, dividend policies, profitability and firm size simultaneously affect firm value. And funding policies, dividend policies, profitability and firm size partially affect firm value. Future researchers are expected to be able to take other variables that can affect company value.

Model Prediksi Financial Distress Perusahaan Go Public di Indonesia (Studi pada Sektor Manufaktur) Iramani, Rr.
Jurnal Aplikasi Manajemen Vol. 6 No. 1 (2008)
Publisher : Universitas Brawijaya, Indonesia

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The objective of this research is to examine financial ratios of accrual basis, financial ratios of cash basis, industry relative ratios of accrual basis, industry relative ratios of cash basis and sensitivity toward macro economic indicators as financial distress predictors and to develop a financial distress prediction model as early warning system for go-public enterprises in Indonesia. From the analysis, it was found out that the significant variables in terms of forming prediction model to be successful is interpreted, consisting of four financial ratios of accrual basis variables, two industry relative ratios of accrual basis variables and one industry relative ratios of cash basis variable. This financial distress prediction model is as the following: Py1 = 1/1+e-(-0.5-0.6RETA+1.27TDTA-1.OSEATS+2.18INVNS-0.35RSEBITTA-0.42RSSTA 0.44RSCFTL)

Faktor-faktor Penentu Perilaku Investor dalam Transaksi Saham di Surabaya Iramani, Rr.; Bagus, Dhyka
Jurnal Aplikasi Manajemen Vol. 6 No. 3 (2008)
Publisher : Universitas Brawijaya, Indonesia

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This aim study to explore factors determinant investors behavior in stock exchange transaction in Surabaya. Furthermore, this study test psychological difference between male and female investor. To test hypotheses, this study employs factor analysis and independent sample t-test. By performing Factor Analysis, this study reveals six factors determine investor behavior named: security and pleasure factor, bias thinking factor, bravery factor, social and emotional interactionfactor and judgement bias factor. More over, by performing independent sample t-test, this study found that there is not psychological difference between male and female investor.

Kekuatan financial tehnology dalam Meningkatkan Kinerja Bisnis UMKM Amilia, Wilda Sinta; Rr. Iramani
Journal of Business & Banking Vol 14 No 02: November-April 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i02.5044

Micro, Small and Medium Enterprises contribute greatly to driving the regional economy and providing employment opportunities for the community. Therefore, research to improve the performance of MSMEs is still very relevant to do. This study aims to examine the importance of financial technology, financial literacy, and culture in improving the business performance of MSMEs in East Java. Business performance studies that combine financial literacy, financial technology and culture with business performance, especially in the East Java region, are still very limited. Therefore, this research is important to be conducted to enrich empirical findings related to business performance. The sampling technique used was purposive sampling, by taking samples of MSMEs in the Surabaya, Mojokerto, Sidoarjo and Gresik areas. Total sample of 100 MSMEs. The data source used is primary data collected by survey using a questionnaire. Analysis was conducted with Partial Least Square. The results showed that financial technology and financial literacy as well as culture have a significant positive effect on MSME business performance. The results of this study imply that to improve the sustainability and business performance of MSMEs in East Java, MSME managers should improve their financial technoly and financial literacy capabilities and foster a culture that is the value of their business.

Kekuatan financial tehnology dalam Meningkatkan Kinerja Bisnis UMKM Amilia, Wilda Sinta; Rr. Iramani
Journal of Business & Banking Vol 14 No 2 (2025): November-April 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i02.5044

Micro, Small and Medium Enterprises contribute greatly to driving the regional economy and providing employment opportunities for the community. Therefore, research to improve the performance of MSMEs is still very relevant to do. This study aims to examine the importance of financial technology, financial literacy, and culture in improving the business performance of MSMEs in East Java. Business performance studies that combine financial literacy, financial technology and culture with business performance, especially in the East Java region, are still very limited. Therefore, this research is important to be conducted to enrich empirical findings related to business performance. The sampling technique used was purposive sampling, by taking samples of MSMEs in the Surabaya, Mojokerto, Sidoarjo and Gresik areas. Total sample of 100 MSMEs. The data source used is primary data collected by survey using a questionnaire. Analysis was conducted with Partial Least Square. The results showed that financial technology and financial literacy as well as culture have a significant positive effect on MSME business performance. The results of this study imply that to improve the sustainability and business performance of MSMEs in East Java, MSME managers should improve their financial technoly and financial literacy capabilities and foster a culture that is the value of their business.

The role of board of commissioners and transparency in improving bank operational efficiency and profitability Lutfi, Lutfi; Silvy, Meliza; Iramani, Rr.
Journal of Economics, Business, and Accountancy Ventura Vol. 17 No. 1 (2014): April 2014
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v17i1.268

Good corporate governance is a critical aspect in banking industries because the larg- est part of the source of funds is from public. Two of the important aspects of good corporate governance are the role of the board of commissioners and transparency. This study aimed to assess the effect of the implementation of good governance, which is proxied by the role of the board of commissioners and transparency of financial and non-financial condition, toward the operational efficiency and profitability of the na- tional commercial banks in Indonesia. This study uses data of thirty six banks for five years, from 2008 to 2012. Random effect panel data technique is used to analyze the data since this technique can increase the power of statistical analysis. The results shows that in terms of efficiency only board that functions well capable of improving the operational efficiency of the banks. As for profitability, both good board of commis- sioners and public transparency are capable of increasing the bank operational profit- ability in Indonesia.

Pemberdayaan Ibu-Ibu Kader Surabaya Hebat Dalam Pemilahan Sampah Anorganik Bernilai Ekonomis Di Kampung Pulosari Iramani, Rr.; Puspitaningrum, Titis; Suprianto, Gaguk
Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Vol. 6 No. 4 (2023): Oktober 2023
Publisher : STMIK Royal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33330/jurdimas.v6i4.2741

Plastic waste can cause pollution. Plastic pollution can contaminate land, waterways and oceans. This condition is also a problem in one of the Pulosari villages located in the South Surabaya area. Lack of knowledge and awareness to sort waste makes this village a problem to be solved in the Community Partnership Program conducted in this village. The implementation of the community partnership program is carried out using training methods to increase partners' knowledge and mentoring methods to improve skills in inorganic waste segregation. The result of implementing the Community Partnership Program is community knowledge and understanding of the importance of waste segregation. Another result is the increase in partners' skills in sorting inorganic waste so that it has economic value which in the end is able to provide additional family income and PKK cash sourced from selling the results of inorganic waste sorting. Keywords: great Surabaya cadre; waste sorting; inorganic waste Abstrak: Sampah plastik dapat menimbulkan polusi. Polusi plastik dapat mencemari tanah, saluran air dan lautan. Kondisi ini juga menjadi permasalahan di salah satu kampung Pulosari yang terletak di wilayah Surabaya Selatan. Kurangnya pengetahuan dan kesadaran untuk melakukan pemilahan sampah, membuat kampung tersebut merupakan permasalahan yang akan diselesaikan dalam Program Kemitraan Masyarakat yang dilakukan di kampung ini. Pelaksanaan program kemitraan masyarakat dilakukan dengan menggunakan metode pelatihan untuk meningkatkan pengetahuan mitra dan metode pendampingan untuk meningkatkan ketrampilan dalam pemilahan sampah anorganik. Hasil dari pelaksanaan Program Kemitraan Masyarakat adalah pengetahuan dan pemahaman ma-syarakat akan pentingnya pemilahan sampah. Hasil yang lainnya adalah meningkatnya ketrampilan mitra dalam memilah sampah an-organik sehingga bernilai ekonomis yang pada akhirnya mampu memberikan tambahan pendapatan keluarga dan kas PKK yang bersumber dari penjualan hasil pemilahan sampah anorganikKata kunci: kader surabaya hebat; pemilahan sampah; sampah anorganik

Pendampingan Kemasan Produk Pada UKM Yulifood Surabaya Rachmat, Basuki; Indrawati, Trisa; Dhorifi, Ahmad; Iramani, Rr.; Harsono, Soni; Widyantoro, Harry; Ronny
Jurnal KeDayMas: Kemitraan dan Pemberdayaan Masyarakat Vol. 5 No. 1 (2025): Vol 5, No 1 (2024) : Januari 2025
Publisher : Research Center and Community Services (PPPM) Universitas Hayam Wuruk "Perbanas" Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/kedaymas.v7i1.5043

UKM Yulifood merupakan salah satu UKM kuliner yang berlokasi di Surabaya Barat, dengan produk makanan dan minuman olahan. Walaupun mengalami perkembangan yang baik, UKM Yulifood dihadapkan pada tingkat persaingan yang semakin tajam, sehingga diperlukan terobosan baru untuk meningkatkan penjualan produknya. Berdasarkan hasil observasi dan diskusi yang dilakukan oleh tim pengabdian masyarakat Universitas Hayam Wuruk Perbanas pada pemilik UKM Yulifood, diperoleh informasi bahwa menghadapi persaingan yang semakin tajam, salah satu strategi yang dapat dilakukan adalah meningkatkan kualitas kemasan produk. Selama ini kemasan produk mitra masih sederhana, menggunakan kemasan plastik. Kemasan yang sederhana ini dirasa kurang menarik dan dapat berdampak pada kurangnya minat membeli. Berdasarkan kondisi yang dihadapi mitra dan informasi dari berbagai literatur bahwa kualitas kemasan produk berperan penting dalam meningkatkan penjualan, maka pengabdian masyarakat ini dilakukan dengan tujuan memberikan pendampingan, yaitu: 1) meningkatkan pemahaman kemasan produk, dan 2) membantu merancang kemasan baru produk mitra. Pelaksanaan pendampingan dilaksanakan melalui tiga tahap, yaitu pra-pendampingan, pendampingan, dan pelaporan. Materi pendampingan dikelompokkan menjadi dua, yaitu materi pemahaman kemasan produk, dan materi perancangan desain kemasan produk. Hasil pendampingan adalah adanya peningkatan pemahaman mitra akan pentingnya kemasan produk, dan alternatif rancangan baru kemasan produk yang ditawarkan kepada mitra.

PENGUJIAN MODEL KECENDERUNGAN BERHUTANG MASYARAKAT METROPOLITAN : Indonesia Naefs, Aka; Rr. Iramani
Modus Vol. 36 No. 1 (2024): Vol 36 No.1 (2024): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v36i1.8529

Modern consumer lifestyles have a negative impact on people’s welfare. Currently, debt is an indication of modern consumer behavior because income is considered insufficient to meet needs and wants. This causes society to become more consumptive. What factors influence the tendency to get into debt is an interesting issue to research. This research aims to examine materialism, self-control, savings orientation, and income in influencing propensity to indebtedness in metropolitan communities. Sampling was carried out purposively in two metropolitan areas, namely DKI Jakarta and its surroundings and Surabaya and its surroundings. Data were collected using a survey by distributing questionnaires to the community in both areas where the unit of analysis was the family. The data analysis technique used in this research is Partial Least Square. The results of this research show that of the four variables tested, there are two variables that have a significant effect on the propensity to indebtedness, namely materialism and self-control. The savings orientation and income variables were proven to have no effect on the propensity to indebtedness. Materialism has a significant positive effect on the propensity to indebtedness, meaning that the higher an individual's materialistic attitude, the higher the propensity to indebtedness. Self-control has a significant negative effect on propensity to indebtedness, meaning that the higher a person's self-control, the lower propensity to indebtedness. The implication of the results of this research is that metropolitan communities should reduce their materialistic attitudes and increase their self-control in order to be able to reduce the propensity to indebtedness so that ultimately the community can be free from debt. Keywords: propensity to indebtedness; materialism; self control; savings orientation; income. Gaya hidup konsumen modern memberikan dampak negatif pada kesejahteraan hidup masyarakat. Saat ini berhutang merupakan salah satu indikasi perilaku konsumen modern karena pendapatan dianggap kurang untuk memenuhi kebutuhan dan keinginan. Hal ini mengakibatkan masyarakat menjadi lebih konsumtif. Faktor apa saja yang mempengaruhi kecenderungan berhutang merupakan isue yang menarik untuk diteliti. Penelitian ini bertujuan untuk mengkaji materialisme, pengendalian diri, orientasi menabung, dan pendapatan dalam mempengaruhi kecenderungan berhutang masyarakat metropolitan. Pengambilan sampel dilakukan secara purposive pada dua wilayah metropolitan yakni DKI Jakarta dan sekitarnya serta Surabaya dan sekitarnya. Pengumpulan data dengan menggunakan survei dengan menyebarkan kuesioner pada masyarakat di kedua wilayah tersebut dimana unit analisisnya adalah keluarga. Teknik analisis data yang digunakan dalam penelitian ini adalah Partial Least Square. Hasil penelitian ini membuktikan bahwa dari keempat variabel yang diuji, terdapat dua variabel yang berpengaruh signifikan terhadap kecenderungan berhutang yakni materialisme dan pengendalian diri. Untuk variabel orientasi menabung dan pendapatan terbukti tidak berpengaruh terhadap kecenderungan berhutang. Materialisme berpengaruh positif signifikan terhadap kecenderungan berhutang, artinya semakin tinggi sikap materialime individu semakin tinggi kecenderungan berhutang. Pengendalian diri berpengaruh negatif signifikan terhadap kecenderungan berhutang, artinya semakin tinggi pengendalian diri seseorang semakin rendah kecenderungan berhutangnya. Implikasinya adalah bahwa masyarakat metropolitan sebaiknya menurunkan sikap materialismenya serta meningkatkan pengendalian dirinya agar mampu menurunkan kecenderungan berhutang yang akhirnya masyarakat dapat terbebas dari hutang. Kata kunci: kecenderungan berhutang; materialisme; pengendalian diri; orientasi menabung; menabung.

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