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Yulita Zanaria, Yulita
Universitas Muhammadiyah Metro
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mechanical Engineering Social Sciences

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Pengaruh Pembiayaan, Pengelolaan Keuangan dan Peran Fasilitator Pendamping Terhadap Pengembangan Usaha Nasabah (Studi Kasus Pada Nasabah BTPN Syariah MMS Metro Pusat) Anis Saputri; Nedi Hendri; Yulita Zanaria
Oikonomia Vol 2 No 2 (2024): September
Publisher : Edu Partner Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69747/oikonomia.v2i2.75

Abstract

Pengembangan usaha nasabah sering kali menghadapi tantangan dalam pembiayaan, pengelolaan keuangan, dan minimnya peran fasilitator pendamping yang optimal. Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan, pengelolaan keuangan, dan peran fasilitator pendamping terhadap pengembangan usaha nasabah. Studi ini dilakukan pada nasabah Bank BTPN Syariah MMS Metro Pusat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode statistik deskriptif. Data primer diperoleh melalui kuesioner yang disebarkan kepada populasi berjumlah 120 nasabah. Sampel penelitian diambil menggunakan teknik random sampling, sehingga terpilih sebanyak 54 responden. Hasil penelitian menunjukkan bahwa pembiayaan memiliki pengaruh signifikan terhadap pengembangan usaha nasabah. Pengelolaan keuangan juga berpengaruh secara signifikan terhadap pengembangan usaha nasabah. Selain itu, peran fasilitator pendamping turut memberikan pengaruh yang signifikan terhadap pengembangan usaha nasabah. Secara keseluruhan, pembiayaan, pengelolaan keuangan, dan peran fasilitator pendamping memiliki pengaruh bersama terhadap pengembangan usaha nasabah Bank BTPN Syariah MMS Metro Pusat. Customer business development often faces challenges in financing, financial management, and the lack of an optimal role of accompanying facilitator. This research aims to analyze the influence of financing, financial management, and the role of accompanying facilitators on customer business development. This study was conducted on Bank BTPN Syariah MMS Metro Pusat customers. This research uses a quantitative approach with descriptive statistical methods. Primary data was obtained through a questionnaire distributed to a population of 120 customers. The research sample was taken using a random sampling technique, so that 54 respondents were selected. The research results show that financing has a significant influence on customer business development. Financial management also has a significant influence on customer business development. Apart from that, the role of accompanying facilitator also has a significant influence on customer business development. Overall, financing, financial management and the role of accompanying facilitators have a joint influence on the business development of Bank BTPN Syariah MMS Metro Pusat customers.
Pengaruh Intensitas Moral, Sikap Machiavellian, dan Self Efficacy Terhadap Niat Karyawan Melakukan Whistleblowing Di Bidang Keuangan ( Studi Kasus PT Agung Jaya Raya Indonesia Lampung Tengah) Friska Meliyana; Angga Kurniawan; Yulita Zanaria
Oikonomia Vol 2 No 2 (2024): September
Publisher : Edu Partner Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69747/oikonomia.v2i2.76

Abstract

. Penelitian ini bertujuan untuk menganalisis pengaruh intensitas moral, sikap machiavillian dan self efficacy terhadap niat karyawan melakukan Whistleblowing di bidang keuangan di PT Agung Jaya Raya Indonesia Lampung Tengah. Jenis penelitian ini menggunakan penelitian kuantitatif dengan pendekatan deskriptif. Data menggunakan kuesioner dengan populasi berjumlah 30 responden dari karyawan yang bekerja dibidang keuangan PT Agung Jaya Raya Indonesia. Teknik pengambilan sampel menggunakan teknik purposive sampling dengan menggunakan beberapa kriteria sehingga di peroleh 30 responden dari karyawan yang bekerja. Hasil penelitian ini menunjukkan bahwa intensitas moral, sikap machiavillian dan self efficacy berpengaruh terhadap niat karyawan melakukan Whistleblowing di PT Agung Jaya Raya Indonesia. This research aims to analyze the influence of moral intensity, Machiavillian attitudes and self-efficacy on employees' intentions to carry out whistleblowing in the financial sector at PT Agung Jaya Raya Indonesia, Central Lampung. This type of research uses quantitative research with a descriptive approach. Data using a questionnaire with a population of 30 respondents from employees who work in the financial sector of PT Agung Jaya Raya Indonesia. The sampling technique used purposive sampling technique using several criteria so that 30 respondents were obtained from working employees. The results of this research show that moral intensity, Machiavillian attitudes and self-efficacy influence employee intentions to carry out whistleblowing at PT Agung Jaya Raya Indonesia.
Pengaruh Financial Knowledge, Financial Awareness, Financial Experience, Pendapatan Dan Financial Technology Terhadap Personal Finansial Planning Generasi Z Di Kota Metro Puspita Sari, Sri; Zanaria, Yulita; Febri Darmayanti, Elmira
Expensive: Jurnal Akuntansi dan Keuangan Vol. 3 No. 3 (2024): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v3i3.7313

Abstract

This study aimed to analyze the effect of Financial Knowledge, Financial Awareness, Financial Experience, Income, and Financial Technology on Personal Financial Planning of Generation Z in Metro City. The population in this study were generation Z in Metro city which were in the productive age category, namely 15-28 years old. The sampling technique in this study used purposive sampling technique using the Slovin formula so that a sample of 100 respondents were obtained. The data were analyzed using multiple linear regression analysis methods. The results showed that Financial Knowledge (X1), Financial Awareness (X2), Income (X4), and Financial Technology (X5) affected the Personal Financial Planning of generation Z in Metro City. While Financial Experience (X3) had no effect on Personal Financial Planning Generation Z in Metro city
Analisis Penerapan Akuntansi Di Dinas Perumahan Rakyat Dan Kawasan Permukiman Kota Metro Siti Kholifah, Ulfi; Zanaria, Yulita; Nusantoro, Jawoto
Expensive: Jurnal Akuntansi dan Keuangan Vol. 3 No. 3 (2024): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v3i3.7315

Abstract

This research aims to determine the suitability of the application of accounting in the Metro City Public Housing and Residential Area Service. The type of research used is a qualitative descriptive method. The instruments used in this research are interviews and observations. Data analysis was carried out using the Miles and Huberman model. The research results show that the application of accounting in the Metro City Public Housing and Residential Area Service is not in accordance with Generally Applicable Accounting Principles. The accounting process carried out by the Metro City Perkim Service starts with all cash disbursement and cash receipt transactions which are recorded first in the General Cash Book (BKU). Document all transactions that occur and then journalize them. Transactions that cause cash disbursements are recorded in the cash disbursement journal and vice versa. It's just that the Department does not print out the journaling process and only makes it according to a computerized system.
Pengaruh Pemberian Modal Kerja, Tanggung Renteng Dan Literasi Keuangan Terhadap Keberlangsungan Usaha Mikro, Kecil, dan Menengah Siti Farida, Nikhen; Zanaria, Yulita; Padwa Sari, Gustin
Expensive: Jurnal Akuntansi dan Keuangan Vol. 3 No. 3 (2024): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v3i3.7317

Abstract

This research is a quantitative study with a quantitative descriptive method that aims to provide empirical evidence of the effect of providing working capital, joint responsibility and financial literacy on the sustainability of micro, small and medium enterprises. The population used in this study were all BTPN Syariah micro credit loan customers in Seputih Mataram District. Determination of the sample using purposive sampling method by obtaining the number of observations as many as 65 customers. Data processing in this study used SPSS version 25 calculation tools with data analysis techniques used descriptive statistics, classical assumption tests, hypothesis testing and statistical hypothesis testing. The results showed that working capital and financial literacy influenced the sustainability of micro, small and medium enterprises of BTPN Syariah customers in Seputih Mataram District, Central Lampung. Meanwhile, joint responsibility has no effect on the sustainability of micro, small and medium enterprises of BTPN Syariah customers in Seputih Mataram District, Central Lampung
Pengaruh Pemahaman Akuntansi Perpajakan Terhadap Hasil Belajar Mahasiswa Jurusan Akuntansi Universitas Muhammadiyah Metro Dengan Motivasi Belajar Sebagai Variabel Moderasi Yashinta, Fadilah; Zanaria, Yulita; Septiani, Ana
Expensive: Jurnal Akuntansi dan Keuangan Vol. 3 No. 3 (2024): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v3i3.7320

Abstract

This research aims to determine the effect of understanding tax accounting on the learning outcomes of students majoring in accounting at Muhammadiyah Metro University with learning motivation as a moderating variable. The type of research used is quantitative research with a descriptive approach. The instrument used in this research is a questionnaire. Data analysis was carried out namely Moderated Regression Analysis (MRA). The research results show that Understanding Tax Accounting influences the learning outcomes of Accounting Department Students at Muhammadiyah Metro University. Learning motivation moderates the relationship between Understanding Tax Accounting and learning outcomes for students majoring in Accounting, Muhammadiyah Metro University
Pengaruh Retribusi Daerah Terhadap Pendapatan Asli Daerah Kota Metro Lyastyla, Lyastyla; Zanaria, Yulita; Febri Darmayanti, Elmira
Expensive: Jurnal Akuntansi dan Keuangan Vol. 3 No. 3 (2024): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v3i3.7455

Abstract

This research aims to determine the contribution of regional levies and the level of effectiveness of regional levies in increasing Metro City's original regional income for 2020-2022. The type of research used is verification research. This research uses an explanatory survey research method. The instruments used in this research were interviews and observations. The data analysis carried out is Contribution Analysis and tax growth rate analysis. Contribution analysis is an analytical tool used to find out how much contribution can be made from Regional Distribution to Metro City's original regional income. The research results show that the level of effectiveness of Metro City Regional Distribution collection management during the 2020-2022 period can be said to be effective. The higher the effectiveness ratio, the better the regional distribution collection picture. Average contribution of Regional Distribution to Metro City Regional Original Income for the 2020-2022 period. This figure shows that the contribution of Regional Distribution to Original Regional Income is still not good.
Analisis Faktor-Faktor Penyebab Piutang Tak Tertagih Dan Upaya Penanggulangan Serta Penyelesaiannya Pada PT BPR Tataarta Swadaya Kota Gajah Adelia, Adelia; Zanaria, Yulita; Padwa Sari, Gustin
Expensive: Jurnal Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Januari
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v4i1.8385

Abstract

This study aims to determine the internal factors, external factors causing bad debts and efforts to resolve them at PT. BPR Tataarta Swadaya Kota Gajah. The type of research used is descriptive qualitative research. The instruments used in this study are interviews and observations. Data analysis was carried out using the Miles and Huberman data analysis model. The results of the study indicate that internal factors are factors originating from within the company (BPR Tataarta Swadaya Kota Gajah as the creditor are: Weak credit administration system, Weak credit information system and Deviations in the implementation of credit granting procedures External factors causing bad debts are factors originating from outside the company in this case are Fostered Partners who receive capital loans from BPR Tataarta Swadaya Kota Gajah consisting of Fostered Partners experiencing a decline in economic conditions, Debtor business failure and Debtors running away.
Analisis Penerapan Akuntansi Pertanggungjawaban Habiburrahman, Habiburrahman; Zanaria, Yulita; Nusantoro, Jawoto
Expensive: Jurnal Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Januari
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v4i1.8440

Abstract

This research aims to analyze the implementation of responsibility accounting at RSU Muhammadiyah Metro. Responsibility accounting is an accounting system that recognizes various responsibility centers within an organization, assigning specific revenues and costs to each responsible center. This research uses primary and secondary data collected through observation, interviews, and documentation. The results of the research show that RSU Muhammadiyah Metro has implemented responsibility accounting well, characterized by the existence of a clear organizational structure, budget preparation, separation of controlled and uncontrolled costs, and account code classification. Financial performance evaluation shows that the RSU Muhammadiyah Metro cost center is efficient in 2020 but inefficient in 2021. Meanwhile, the revenue center shows efficiency from 2020 to 2021 with profitable results. The advice given is that RSU Muhammadiyah Metro needs to carry out analysis and correction of unprofitable differences so that it can increase the effectiveness of cost management and encourage the success of hospital operations
Pengaruh Kepatuhan Pelaporan Keuangan dan Whistleblowing terhadap Pencegahan Kecurangan Qobid, Abdul; Zanaria, Yulita; Padwa Sari, Gustin
Expensive: Jurnal Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Januari
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v4i1.8462

Abstract

This study aims to determine the effect of Financial Reporting Compliance and Whistleblowing on fraud prevention at PT BPR Lipat Ganda East Lampung. The type of research used in this study is quantitative research. This study uses a sampling technique in the form of purposive sampling. This study uses primary data through questionnaires, and the population in this study are employees of PT BPR Lipat Ganda East Lampung, totaling 30 employees. The data in this study were analyzed using the IBM SPSS 25 program. The results of this study indicate that Financial Reporting Compliance has a positive effect on Fraud Prevention, Whistleblowing has a positive effect on Fraud Prevention, and Financial Reporting Compliance and Whistleblowing simultaneously have a positive effect on Fraud Prevention at PT BPR Lipat Ganda East Lampung
Co-Authors Adelia Adelia, Adelia Agung Nugraha, Dhea Mulya Ana Septiani Anas Izzulhaq, Muhammad Andriano, Dendy Angga Kurniawan Angga Kurniawan Angga Kurniawan Anggraini, Astuti Astuti Anis Saputri Anisya Setya Ningrum Ardiansyah Japlani, Ardiansyah Aris Sunyoto Astuti Astuti Anggraini Astuti, Agnes Mei Audry Cahya Ranika Ayu Laraswati Cahya Ranika, Audry Darmayanti, Elmira Febri Dendy Andriano Dimas Bagus Editya Dwi Irawan Erika Aryani Fadli, M. Rafli Fajri, Nur Ulya Fatma Nadia Febri Darmayanti, Elmira Febriyani, Saras Fendi Firmansyah Fera Laras Hati Firmansyah, Fendi Friska Meliyana Fuadah, Luluk Atin Furqoningrum, Destri Gladis Marcellino Gustin Padwa Sari, Gustin Padwa Habiburrahman Habiburrahman, Habiburrahman Hadijah, Umi Hermawan, Ridwan Indra Ifta Arina Rohmatin Irsa Yolanda Iwan Habib Subakti Jawoto Nusantoro Jawoto Nusantoro Jawoto Nusantoro Kemas Ridhuan Khairannisa Khairannisa Khairannisa, Khairannisa Kurniawan, Muhammad Shuhada Laraswati, Ayu Leni Leni Leni LINDA APRILIA Listia Dwi Aisyah Lusi Herawati Lyastyla, Lyastyla MARIA BINTANG Melin Aridhea, Vicky Anjani Meliyana, Friska Muhammad Anas Izzulhaq Mutiara Puri, Rara Nedi Hendri Nedi Hendri Nedi Hendri, Nedi Nulananda, Iqbal Adi Nurhidayah, Siska Okta Melinda Sari Okta Suci Jayanti Oktawidya Tirta , Catur Padwa Sari, Gustin Prasetyawati, Salsabila Mardhiyah Puspita Sari, Sri Putri Handayani Putri, Virra Yulian Qobid, Abdul Qonita, Alya Rahmadanti, Silvi Wahyu Rendy Kurniawan Retnaning Rahayu, sri Retno Setyaningsih Retno Setyaningsih Ridwan Indra Hermawan Rohman, Fatur Rosmalinda, Lica Saketi, Via Dewi Saputri, Anis Saras Febriyani SARI, EKA YUNITA Sari, Yesi Permata Sasmita, Izmi Aren Septiani, Ana Siska Nurhidayah Siti Farida, Nikhen Siti Kholifah, Ulfi Sri Puspita Sari SRI RAHAYU Sri Retnaning Rahayu Sri Retnaning Rahayu Sri Retnaning Rahayu, Sri Retnaning Subakti, Iwan Habib Suyanto Suyanto Suyanto Suyanto Suyanto Suyanto Suyanto Urohmah, Vivi Aulia Virra Yulian Putri Yashinta, Fadilah Yesi Permata Sari Yolanda, Irsa Yolanda, Jenny Yulanda, Deea Yuldriah Agung Tri Wurdiani