Articles
Analisa Pembiayaan Fintech terhadap Kinerja UMKM pada UMKM di Kota Palembang
Muhammad Ilham Fakhirin;
Isni Andriana;
Kemas Muhammad Husni Thamrin
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba
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DOI: 10.47467/alkharaj.v5i5.2005
ABSTRACT. This study aims to understand and analyze the influence of fintech financing on the performance of MSME’s in Palembang City. The population in this study is all MSME’s in the city of Palembang which amounts to 163,291 units. Sampling in research using nonprobability sampling techniques with purposive sampling and snowball sampling approaches. The study used a sample of 50 respondents. The analytical technique in this study is descriptive analysis using simple regression. The results of this study are that fintech financing has a significant effect on the performance of MSME’s in a positive direction. This means that the use of fintech as a source of support for micro, small and medium enterprises will improve their business performance. Keyword: fintech financing, MSME’s performance, finance ABSTRAK. Penelitian ini bertujuan untuk memahami dan menganalisis pengaruh pembiayaan fintech terhadap kinerja UMKM di Kota Palembang. Populasi dalam penelitian ini yaitu seluruh UMKM yang ada di kota Palembang yang berjumlah 163.291 unit. Pengambilan sampel didalam penelitian menggunakan teknik nonprobability sampling dengan pendekatan purposive sampling dan snowball sampling. Penelitian ini menggunakan jumlah sampel sebanyak 50 responden. Teknik analisis dalam penelitian ini adalah analisis deskriptif dengan menggunakan regresi sederhana. Hasil pada penelitian ini yaitu pembiayaan fintech berpengaruh signifikan terhadap kinerja UMKM dengan arah positif. Artinya penggunaan fintech sebagai sumber pembiyaan bagi usaha mikro, kecil dan menengah akan meningkatkan kinerja usaha mereka. Kata kunci: pembiayaan fintech, kineja UMKM, keuangan
Pengaruh Literasi Keuangan, Experience Regret dan Perceived Risk terhadap Keputusan Investasi pada Mahasiswa Indonesia
Alfin Febrianti;
H. Isnurhadi;
Isni Andriana
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba
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DOI: 10.47467/alkharaj.v5i5.2017
This study aims to determine the influence of Financial Literacy, Experience Regret and Perceived Risk on Investment Decisions in Students in Indonesia (case study of KMI Expo XII 2021 participants). The population in this study is students who participated in Indonesian Student Entrepreneurship (KMI EXPO XII 2021) where there are 94 Universities. This study used the purposive clepling technique. The data used in this study is primary data and secondary data with data collection techniques through questionnaires. The data analysis technique used is multiple linear regression analysis. Based on the results of the study, it shows that financial literacy has a negative and significant effect on investment decisions, experience regret has a positive effect and does not have a significant effect on investment decisions and peceived risk has a positive and significant effect on investment decisions for students in Indonesia participating in KMI Expo XII 2021.
Analisis Faktor – Faktor yang Mempengaruhi Underpricing pada Saat Initial Public Offering: Studi Pada Perusahaan Go Public di BEI Tahun 2017-2020”
Endah Purnama Sari;
Fida Muthia;
Shelfi Malinda;
Muizzudin Muizzudin;
Isni Andriana
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba
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DOI: 10.47467/alkharaj.v5i5.2041
This study intends to examine the factors that influence the amount of underpricing of equities during initial public offerings on the Indonesia Stock Exchange. This analysis makes use of secondary data in the form of financial statement data and other firm information from 2017-2020 IPOs on the Indonesia Stock Exchange. The research sample consisted of 150 firms selected using techniques of purposive selection. This study employs the linear regression approach of panel data using STATA for its data analysis. The results indicated that the company's age, size, and financial leverage had no influence on the underpricing of its shares. The reputation of underwriters and profits per share have a substantial negative impact on the stock's underpricing. The elements that effect stock underpricing, particularly underwriter reputation and earnings per share, may be employed by investors who will invest in a business in order to generate profits, and by firms that will make an initial public offering (IPO) in order to improve their situation.
Pengaruh Profitabilitas dan Leverage terhadap Kebijakan Dividen Perusahaan Sektor Kesehatan yang Terdaftar di Bursa Efek Indonesia (BEI)
Dhia Sellya Mufida Susilo;
Isni Andriana;
Kemas Muhammad Husni Thamrin
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba
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DOI: 10.47467/alkharaj.v5i5.2125
This study aims to determine and analyze the effect of profitability and leverage on the dividend policy of health sector companies listed on the Indonesia Stock Exchange (IDX). This research is quantitative correlation research. The type of data used is quantitative data which is panel data. Data collection techniques using the documentation method. The population of this study consisted of 23 companies. The sample selection used a purposive sampling technique so that the research sample was 12 health sector companies listed on the Indonesia Stock Exchange (IDX) for the period 2017 – 2020. The data analysis technique used descriptive statistical analysis and panel data regression with the Eviews program. The results of this study are profitability and leverage have a positive and significant impact on the dividend policy of health sector companies listed on the Indonesia Stock Exchange (IDX).
The FINANCIAL PERFORMANCE ANALYSIS TO MEASURE THE COOPERATIVE HEALTH OF PTN BLU IN PALEMBANG CITY
Harson Harson;
Isni Andriana;
Mohamad Adam
Jurnal Ilmu Manajemen Vol 10 No 4 (2022)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)
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DOI: 10.26740/jim.v10n4.p1172-1181
This study aimed to determine and analyze the financial performance of cooperatives at Public Service Agency State Universities (PTN BLU) Palembang City. Data were analyzed using financial ratios, as a population of Civil Servant Cooperatives PTN BLU Palembang City and samples of financial reports for 2010 -2021, the results of the study show that the liquidity ratio, capital ratio, profitability ratio for the Sriwijaya University cooperative are in good health with the values of the three ratios above the established average, while for the Raden Fatah Palembang State Islamic University cooperative only the profitability ratio is in an unhealthy state. For liquidity and capital ratios in a healthy state of results, the assessment of the results of this ratio is based on the Regulation of the Minister of Cooperatives and UKM number 06/Dep.6.1V/2016 concerning guidelines for evaluating savings and loan cooperatives and cooperative saving and loan units. The results of this study are expected to be a reference and input for further researchers and institutions where research is conducted in improving financial performance management so that the established rules obtain good criteria.
The Effect of Employee Job Satisfaction on Turnover Intention at PT Sarana Baja Perkasa Site OKI
Putri Siti Ammanah;
Isni Andriana;
Lina Dameria Siregar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba
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DOI: 10.47467/alkharaj.v5i6.2327
This study aims to determine the effect of employee job satisfaction on turnover intention. The population used in this study were all employees at PT Sarana Baja Perkasa Site OKI totaling 146 people, the sampling technique in this study used the slovin formula with a failure percentage of 10%, so the number of samples obtained was 59 people. The data collection technique used a questionnaire method. The data was processed using a simple linear regression analysis method using SPSS software as an analytical tool. The results of this study indicate that job satisfaction has a negative and significant effect on turnover intention with the percentage contribution of the independent variable, namely job satisfaction, explaining 45% of the dependent variable, namely turnover intention, while the rest is influenced by other variables not examined in this study such as: job stress, career development, employee loyalty, work environment, work facilities, organizational commitment, and financial/non-financial compensation. The findings in this study imply that employee job satisfaction can be increased by means of company leaders re-evaluating the salary system and improving the company's promotion system.
Analisa Pembiayaan Fintech Terhadap Kinerja Umkm Pada Umkm di Kota Palembang
Muhammad Ilham Fakhirin;
Isni Andriana;
Kemas Muhammad Husni Thamrin
JEMBATAN Vol 20, No 1 (2023)
Publisher : Jurusan Manajemen Fakultas Ekonomi Universitas Sriwijaya
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DOI: 10.29259/jmbt.v20i1.18348
ABSTRACT: This study aims to understand and analyze the influence of fintech financing on the performance of MSME’s in Palembang City. The population in this study is all MSME’s in the city of Palembang which amounts to 163,291 units. Sampling in research using nonprobability sampling techniques with purposive sampling and snowball sampling approaches. The study used a sample of 50 respondents. The analytical technique in this study is descriptive analysis using simple regression. The results of this study are that fintech financing has a significant effect on the performance of MSME’s in a positive direction. This means that the use of fintech as a source of support for micro, small and medium enterprises will improve their business performance.Keyword: fintech financing, MSME’s performance, financeABSTRAK: Penelitian ini bertujuan untuk memahami dan menganalisis pengaruh pembiayaan fintech terhadap kinerja UMKM di Kota Palembang. Populasi dalam penelitian ini yaitu seluruh UMKM yang ada di kota Palembang yang berjumlah 163.291 unit. Pengambilan sampel didalam penelitian menggunakan teknik nonprobability sampling dengan pendekatan purposive sampling dan snowball sampling. Penelitian ini menggunakan jumlah sampel sebanyak 50 responden. Teknik analisis dalam penelitian ini adalah analisis deskriptif dengan menggunakan regresi sederhana. Hasil pada penelitian ini yaitu pembiayaan fintech berpengaruh signifikan terhadap kinerja UMKM dengan arah positif. Artinya penggunaan fintech sebagai sumber pembiyaan bagi usaha mikro, kecil dan menengah akan meningkatkan kinerja usaha mereka. Kata kunci: pembiayaan fintech, kineja UMKM, keuangan
Pengaruh Lingkungan Kerja Non Fisik terhadap Kinerja Karyawan:
Muhammad Alhari Ramadan;
Isni Andriana;
Wita Farla
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor
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DOI: 10.47467/reslaj.v6i1.3362
The purpose of this study was to determine the effect of non-physical work environment on employees of PT. Kimia Farma Apotek Palembang. The population in this study were 74 respondents, all employees of PT. Kimia Farma Apotek Palembang. The sampling technique used a saturated sampling technique (census) with questionnaires distributed to all employees of PT. Kimia Farma Apotek Palembang and the data analysis technique used was simple linear regression analysis. The results of this study indicate that there is a positive and significant influence between non-physical work environment on employee performance. Keywords: Non-Physical Work Environment, Performance
The Impact of Inflation on Bank Risk: A Study of Islamic Banks
Isni Andriana
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 7, No. 3, September 2023
Publisher : Faculty of Economics, Universitas Sriwijaya
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DOI: 10.29259/sijdeb.v7i3.201-210
Risk is the one thing that the financial system anticipates more than any other issue. In 2001, a failure in bank risk management occurred at Bank Imar in Turkey, which led to losses that reached around $7.2 billion due to shareholder corruption and coordinated criminality (Mukminin, 2018). The research objective is to investigate the extent to which inflation and business risk are related in Islamic banks operating in the 26 countries covered in the study. Based on the findings of this study, it can be concluded that the inflation proxy does not, in any meaningful sense, have a constructive effect on inflation. That is to say, the business risk in Islamic banks will not be affected in any way by any changes that take place in inflation, regardless of whether those changes result in a rise in value or a loss in value. The use of variable proxies will likely result in some limitations being imposed on this study, which will, in turn, have an effect on the conclusions of the research. In following research, macroeconomic indicators like gross domestic product (GDP) and exchange rates could potentially serve as test subjects for examination.
The Influence of Operational Costs on Operating Income and Interest Rates on Non-Performing Loans in Banking Companies listed on thei Indonesian Stock Exchange
Rani Safitri;
Sulastri;
Isni Andriana
Ilomata International Journal of Tax and Accounting Vol. 4 No. 4 (2023): October 2023
Publisher : Yayasan Ilomata
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DOI: 10.52728/ijtc.v4i4.909
This study aims to analyze the effect of operational costs on operational income and interest rates on non-performingiloans in banking companies on the Indonesian Stock Exchange. iThe population in this study are banking companies on the Indonesia Stock Exchange for 2018 - 2022 with a totaliof 150 companies and a total sample of 30 companies. iThe sampling technique was purposive sampling. iThe data collection technique documentation is used from financial reports published on the IDX's official website, namely www.idx.co.id. iThe analysis used is multiple linear regression analysis with panel data. The results of this research show that operational costs on operational income have a significant positive effect on non-performing loans, This means that operational costs on operational income have not been able to minimize the level of non-performing loans, thus causing an increase in non-performing loans. while interest rates do not affect non-performing loans, which means that the interest rate position does not influence non-performing loans.