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All Journal Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Among Makarti JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Akuntansi dan Pajak AKUNTANSI DEWANTARA Jurnal Ilmu Manajemen dan Akuntansi Terapan Balance Vocation Accounting Journal Jurnal Vokasi Budimas : Jurnal Pengabdian Masyarakat International Journal of Economy, Education and Entrepreneurship (IJE3) Bima Journal : Business, Management and Accounting Journal Jurnal Pengabdian Mitra Masyarakat (JPMM) National Conference on Applied Business, Education & Technology (NCABET) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Kendali Akuntansi Jurnal Ekonomi Manajemen Akuntansi Jurnal Kabar Masyarakat Jurnal Ilmiah Research and Development Student Jurnal Pengabdian Masyarakat Nian Tana Jurnal Akademik Pengabdian Masyarakat JURNAL RUMPUN MANAJEMEN DAN EKONOMI Pajak dan Manajemen Keuangan Jurnal Akuntansi

DHIAN ANDANARINI MINAR SAVITRI

STIE Totalwin

Author-ID : 320337

Religion Agriculture, Biological Sciences & Forestry Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Physics Social Sciences Other

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Pengaruh Keterampilan Keuangan Terhadap Inklusi Keuangan Pada Usaha Mikro Kecil Dan Menengah (Umkm) Di Kecamatan Kebonagung Kabupaten Demak Dengan Layanan Fintech Sebagai Variabel Intervening Astohar Astohar; Dhian Andanarini Minar Savitri; Sari Rahmadhani; Sugiharti Sugiharti
Jurnal Ekonomi Manajemen Akuntansi Vol. 28 No. 2 (2022): JURNAL EKONOMI MANAJEMEN AKUNTANSI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharma Putra Semarang

Dunia usaha atau usaha mikro, kecil dan menengah serta kemajuan zaman dan kemudahan teknologi dapat mempengaruhi mereka dalam memperlakukan dana (uang) yang dimilikinya, baik untuk penyimpanan maupun untuk transaksi. Kenyamanan dan inovasi di bidang keuangan mengikuti perkembangan zaman dengan tuntutan kemudahan dan kepraktisan. Beberapa UMKM di Kebonagung Demak telah memanfaatkan financial technology (fintech) ini untuk mempermudah bisnis. Hasil survei menunjukkan bahwa tingkat inklusi keuangan bagi UMKM belum optimal. Populasi dalam penelitian ini adalah seluruh UKM yang ada di Kebonagung Demak. Pengumpulan data menggunakan metode accidental sampling. Alat analisis menggunakan regresi ganda berganda dengan melakukan uji lain seperti uji normalitas, uji deviasi asumsi klasik, uji kecocokan dan uji koefisien determinasi. Untuk tes intervening menggunakan tes sobel dengan program SPSS dan www.danielsoper.com. Hasil penelitian menunjukkan bahwa financial skill berpengaruh positif signifikan terhadap inklusi keuangan (H1 terbukti) dan juga berpengaruh terhadap layanan keuangan berbasis fintech (H2 terbukti). Jasa keuangan berbasis fintech berpengaruh positif signifikan terhadap inklusi keuangan (dibuktikan H3). Layanan keuangan berbasis fintech mampu memediasi pengaruh financial skills terhadap inklusi keuangan pada UMKM di Kabupaten Demak

Sosialisasi Perijinan dan Sertifikasi Halal Menuju Keberlanjutan UMKM di Desa Pekasiran, Kecamatan Batur, Kabupaten Banjarnegara, Jawa Tengah Dhian Andanarini Minar Savitri; Sugiharti Sugiharti; Emi Wardati; Tri Sumiyanti; Shofiyana Shofiyana
JPMNT JURNAL PENGABDIAN MASYARAKAT NIAN TANA Vol. 2 No. 4 (2024): Oktober: Jurnal Pengabdian Masyarakat Nian Tana
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/jpmnt.v2i4.714

Micro, Small and Medium Enterprises (MSMEs) in Pekasiran Village, Batur District, Banjarnegara Regency, Central Java, have begun to experience an increase in both the number of MSMEs and the types of businesses they carry out. This increase in the number has not been followed by the implementation of permits that must be carried out by business actors. The majority of MSMEs engaged in the food sector have indeed taken care of permits such as PIRT, however, there are still many who have not done so. This licensing socialization was provided while also assisting MSME actors to take care of permits such as making NIB (Business Identification Number), and also taking care of Halal certification. The results of the community service show that MSME actors are open to the importance of taking care of permits for their businesses. The licensing assistance process still needs to be carried out continuously and support from the local government is also needed.

Determinants of Company Value in Mining Firms: An Empirical Analysis Dewi, Varia; Savitri, Dhian Andanarini Minar
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.219-230

Purpose: The purpose of this study is to determine the effect of sustainability reports, capital structure, and cash flow volatility on company values for mining companies in the energy and basic material sectors listed on the Indonesia Stock Exchange in 2021-2023 using investment opportunity set as a moderation. Methodology:Â The subjects of the study were mining companies in the energy and raw materials sector listed on the Indonesia Stock Exchange (IDX) in 2021-2023. There is a lot of data so purposive sampling is needed to filter the data needed and processed using multiple linear regression and Moderating Regression Analysis Results: Investment opportunity set can strengthen the influence of sustainability report, capital structure and cash flow volatility on company values. Finding: Sustainability report and capital structure have a positive effect on firm value while cash flow volatility has a negative effect on firm value. Investment opportunity set moderates the effect of sustainability report and capital structure on company values, but Investment opportunity set does not moderate the effect of cash flow volatility on company values. Novelty: This study uses the energy and basic materials sectors because these sectors have experienced a fairly high increase in investment value which results in high capital requirements and high cash flow volatility. Originality: This study provides a detailed explanation of the role of investment opportunity set as a moderating tool for the influence of sustainability reports, capital structure and cash flow volatility on company values. Conclusion: By using investment opportunity sets, the influence of sustainability reports and capital structures on company values can be increased, but according to research results, it turns out that investment opportunity sets cannot increase the influence of cash flow volatility on company values. Type of paper: Empirical Research Paper

Pemberdayaan UMKM dan Masyarakat Desa Melalui Manajemen Keuangan dan Pemasaran Digital: Strategi Mewujudkan Kemandirian Ekonomi di Desa Purwokerto, Kecamatan Brangsong, Kabupaten Kendal Kusumawardani, Anisa; Savitri, Dhian Andanarini Minar; Suyatno, Maulana Ihsan Yusufi; Prasetya, Aditya Yoga; Praptitorini, Mirna Dyah
Jurnal Vokasi Vol 9, No 2 (2025): Juli
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30811/vokasi.v9i2.7124

Kegiatan pengabdian masyarakat ini bertujuan untuk memberdayakan pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Purwokerto, Kecamatan Brangsong, Kabupaten Kendal melalui peningkatan kapasitas dalam hal legalitas usaha, pengelolaan keuangan, dan pemasaran digital. Berdasarkan hasil observasi awal, ditemukan berbagai permasalahan yang dihadapi oleh pelaku UMKM, antara lain belum memiliki Nomor Induk Berusaha (NIB), kemasan produk yang kurang menarik, belum memanfaatkan media digital sebagai sarana pemasaran, serta minimnya pemahaman tentang pencatatan keuangan. Metode pelaksanaan kegiatan meliputi tiga tahapan utama, yaitu identifikasi dan pemetaan kebutuhan UMKM, pelaksanaan sosialisasi serta pendampingan secara langsung, dan evaluasi keterlibatan mitra. Kegiatan yang dilakukan meliputi pembuatan NIB, pembuatan akun Google Maps, desain kemasan produk, pembuatan konten digital, pelatihan penggunaan aplikasi BukuWarung, dan sosialisasi pemasaran digital. Hasil kegiatan menunjukkan bahwa pelaku UMKM menunjukkan antusiasme yang tinggi dan mulai memahami pentingnya pengelolaan usaha secara modern dan berkelanjutan. Melalui kegiatan ini, diharapkan UMKM di Desa Purwokerto mampu mengembangkan usahanya secara mandiri dan adaptif terhadap perkembangan teknologi, sehingga dapat berkontribusi dalam peningkatan ekonomi desa.

STRATEGI PENERAPAN EKONOMI ISLAM BERBASIS DIGITAL UNTUK MENCAPAI TUJUAN PEMBANGUNAN BERKELANJUTAN (SDGs) Maulana Ihsan Yusufi Suyatno; Mirna Dyah Praptitorini; Anisa Kusumawardani; Astohar Astohar; Dhian Andanarini Minar Savitri
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 2 No. 5 (2025): September
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v2i5.6173

This study aims to explore strategic digital implementations of Islamic economic principles to support the achievement of Sustainable Development Goals (SDGs). The research uses a qualitative descriptive approach through a literature review of peer-reviewed journals and policy documents, combined with an analysis of current digital platforms in Islamic finance. The findings show that digitalization in Islamic economics has the potential to improve financial inclusion, zakat and waqf management, and encourage responsible investment, thereby aligning with multiple SDG targets. The findings highlight the urgent need for synergistic collaboration among stakeholders to digitize Islamic economic instruments for broader socio-economic impact.

Pengaruh Emotional Bias terhadap Keputusan Pendanaan BUMDes di Jawa Tengah dengan Keseimbangan Investasi Berbasis Imbalan sebagai Variabel Mediasi Astohar Astohar; Dhian Andanarini Minar Savitri; Willyanto Kartiko Kusumo; Emi Wardati
Pajak dan Manajemen Keuangan Vol. 2 No. 3 (2025): Juni : Pajak dan Manajemen Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pajamkeu.v2i3.1481

The Village-Owned Enterprises (BUMDes) play a strategic role in enhancing the village economy by utilizing the potential within the village. One of the main challenges faced by BUMDes is the issue of capital, which affects the ability of businesses to grow and achieve their shared goals. This study aims to analyze the effect of emotional bias on investment decisions with reward-based investment balance as a mediating variable. This study used a sample of 108 BUMDes scattered across six regions in Central Java. The sampling method employed was a combination of purposive sampling and cluster sampling, where the selected BUMDes represent specific regions and involve investors from the community or community groups. Data were collected from BUMDes in six regions (administrative areas) in Central Java. The analysis tools used in this study include simple regression, multiple regression, and the Sobel test for mediation, supported by normality tests, classical deviation tests, and coefficient of determination. The results showed that emotional bias significantly affected the investment decisions of the community (t = 3.034; sig = 0.000) and also influenced the reward-based investment balance (t = 4.256; sig = 0.000). Additionally, the reward-based investment balance variable was proven to have a direct impact on investment decisions (t = 3.190; sig = 0.000). This study also found that the reward-based investment balance variable partially mediates the effect of emotional bias on investment decisions, meaning that this effect can still be mediated by other variables. The Sobel test indicated a significant result (t = 3.104; sig = 0.000), showing that the effect of emotional bias on investment decisions can be mediated through reward-based investment balance.

PENGARUH NON PERFORMING LOAN (NPL), NET INTEREST MARGIN (NIM) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PERUBAHAN LABA PADA BANK DEVISA DAN BANK NON DEVISA DI INDONESIA TAHUN 2006-2010 Minar Savitri, Dhian Andanarini
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol. 2 No. 2 (2011): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

The performance of the company's management expects higher earnings changes and flexibility of companyâ€™s operation activities. Estimates of future earnings changes can be made by analyzing financial statements. In banking, an increase in profits can be used by management to improve or strengthen its capital structure to withstand such profits. So the opportunity was the chance of funding that require substantial funds can be readily handled by the bank.Samples of this study was taken in the 42 banks that Divided into 26 foreign exchange banks and 16 non bank foreign exchange with purposive sampling methods. The data analyzed by multiple regression tests which previously performed test of normality, the assumption of classical test irregularities (multicollinearity, autocorrelation and heteroscedasticity), hypothesis testing (t and F) and test of coefficient determinations.The results obtained non-performing loans (NPLs) and loan to deposit ratio (LDR) was not shown significant negative effects and changes on foreign exchange earnings in the banking system and the Non-Foreign Exchange. Net interest margin (NIM) was not shown significant positive effects on earnings of changes in Foreign Exchange and Non-bank Foreign Exchange.

ANALISIS PENGARUH UKURAN (SIZE), CAPITAL ADEQUACY RATIO (CAR), PERTUMBUHAN DEPOSIT, LOAN TO DEPOSIT RASIO (LDR), TERHADAP PROFITABILITAS PERBANKAN GO PUBLIC DI INDONESIATAHUN 2005 â€“ 2009: StudiEmpirisperusahaanPerbankan yang Terdaftar di BEI Damayanti, Pipik; Minar Savitri, Dhian Andanarini
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol. 3 No. 2 (2012): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

Keberhasilan dalam suatu bank adalah jika dapat meningkatkan profitabilitas.Penelitian ini mengambil data dari perusahaan perbankan go public yang terdaftar di BEItahun 2005 sampai 2009. Dari data BEI diambil sampel 19 bank yang memenuhi persyaratandan di analisis menggunakan multiple regressiion analisis.Hasil dari penelitian menunjukkan bahwa ukuran (size) dan Capital adequacy ratio(CAR) ada pengaruh positif terhadap profitabilitas, sedangkan pertumbuhan deposito danloan to deposit ratio (LDR) menunjukkan tidak adanya pengaruh positif dan tidak signifikanterhadap profitabilitas.

ANALISIS PENGARUH WORKING CAPITAL TURNOVER TERHADAP PROFITABILITAS DENGAN LIKUIDITAS SEBAGAI VARIABEL INTERVENING Minar Savitri, Dhian Andanarini
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol. 4 No. 2 (2013): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

This study aimed to assess the influence of WCT, and liquiditytoward profitability of manufacturing companies in Indonesia StockExchange. Sampling was carried out using non-probabilisticsampling and obtained 62 of 149 manufacturing companies which arelisted in Indonesia Stock Exchange in 2009-2012. The results ofregression analysis show that WCT, have a significant effect towardliquidity. Meanwhile, the liquidity variable influence significantlytoward the profitability.

ANALISIS PENGARUH WORKING CAPITAL TURNOVER TERHADAP LIKUIDITAS DAN PROFITABILITAS Minar Savitri, Dhian Andanarini
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol. 5 No. 1 (2014): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

This study aimed to assess the influence of WCT towardprofitability and liquidity of manufacturing companies in IndonesiaStock Exchange.The population of this research is everymanufacturing company enlisted in the BEI at the year 2009-2012.The samples were obtained by using the purposive sampling methoduntil only 15 companies were qualified as samples. This research usedregression analysis method to find out the effect of independentvariables, which are wct to the profitability and liquidity of thecompany.The result of this research shows that the WCT (workingcapital turnover) has insignificant effect to the profitability andliquidity of manufacturing companies enlisted in the BEI at year 2005-2012

Co-Authors Abdul Jait Tjereni Adhitya Yoga Prasetya Aditya Yoga Prasetya Aditya Yoga Prasetya Ahmad Ulin Nuha Amos Mbiliyora Andriyanti Andriyanti Anisa Kusumawardani Astohar Astohar Astohar Astohar Astohar Astohar Azizah, Isna Budi Kurniawan Damayanti, Pipik Dewi, Varia Dian Kurniasari Dian Kurniasari Dian Kurniasari Diananingsih, Harum Indinah Dianingsih, Harum Indinah Emi Wardati Harum Indinah Diananingsih Harum Indinah Dianingsih Husen, Zulkifli C. Ida Ayu Isna Azizah Isna Azizah Isna Azizah Ita Nur Kurniati, Septia Mirna Dyah Praptitorini Mirna Dyah Praptitorini S. Mustofa, Fauzi Nugroho, Prihasantyo Siswo Praptitorini S., Mirna Dyah Praptitorini, Mirna Dyah Prasetya, Aditya Yoga Prihansantyo Siswo Nugroho Pupik Damayanti Rahmania Mustahidda Rahmawati, Ita Nur Ratna Kase Refo Iman Syukur Telaumbanua Ristianawati, Yuyun Sari Rahmadhani Shofiyana Shofiyana Sugiharti Sugiharti Sugiharti Sugiharti Telaumbanua, Refo Iman Syukur Tjereni, Abdul Jait Tri Sumiyanti Utomo, Teguh Margo Willyanto Kartiko Kusumo

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