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All Journal Jurnal Ilmu Manajemen (JIM) Marwah: Jurnal Perempuan, Agama dan Jender Jurnal Al-Iqtishad Sosial Budaya Journal of Accounting and Investment Daya Saing : Jurnal Ilmu Manajemen Jurnal Pengabdian UntukMu NegeRI IJBE (Integrated Journal of Business and Economics) Muhammadiyah Riau Accounting and Business Journal Kutubkhanah Jurnal Penelitian Sosial Keagamaan
Susnaningsih Muat
Department Of Management, Faculty Of Economics And Social Sciences, Universitas Islam Negeri Sultan Syarif Kasim, Riau, Indonesia
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PENGARUH TINGKAT PARTISIPASI DAN AKTUALISASI DIRI DOSEN PEREMPUAN UIN SUSKA RIAU TERHADAP PRODUKTIVITAS KERJA Susnaningsih Mu’at
Marwah: Jurnal Perempuan, Agama dan Jender Vol 10, No 1 (2011): Marwah
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/marwah.v10i1.488

Abstract

This research discusses the influence of woman lecturer’s participation and actualitation toward her job productivity. Research done by distributing the questionnaire in to 8 faculties in UIN Suska Riau. Based on the statistical test, it is known that by parsial, the actualisation and job participation has a positif effect but it is not significant toward productivity. Considering the small influence on the both variable which have been specified previously, hence, the early research model is modified ( model 1) by adding estimated variable which also influence productivity like the year of service and the fungional position. The result of the statistical test indicates that the functional position has positive and significant influence to job productivity.'The self actualisation also has a positive influence, but it is not significant. While the job participation and the year of service have a negative influence and there is no significant. The result of statistical test indicates simultanly that the fourth of free varibels, self actualisation, job participation, year of service, and functional position has significant influence to job productivity
ANALISIS PENILAIAN KINERJA (KEUANGAN DAN NON KEUANGAN) PADA SPBU X MENGGUNAKAN PENDEKATAN BALANCE SCORECARD. Susnaningsih Mu'at
JURNAL AL-IQTISHAD Vol 9 (2013): Juni 2013
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jiq.v9i1.1115

Abstract

Penelitian ini bertujuan menganalisis kinerja keuangan dan non keuangan pada SPBU X. Analisis penilian kinerja ini menggunakan pendekatan Balance Scorecard yang meliputi perspektif keuangan, perspektif pelanggan, perspektif proses bisnis internal dan perspektif pertumbuhan pembelajaran. Data yang digunakan dalam penelitian ini adalah data primer dan data sekunder, baik bersifat kuantitatif maupun kualitatif. Data primer diperoleh secara langsung melalui survei kepuasan pelanggan menggunakan metode sampling insidental dan survei kepuasan karyawan menggunakan metode sensus, serta hasil dari pengamatan dilapangan dan wawancara dengan manajer SPBU X. Data sekunder diperoleh dari dokumen-dokumen tertulis dari SPBU X, internet, lembaga-lembaga yang terkait, dan studi pustaka. Kuesioner kepuasan konsumen dan karyawan dianalisis melalui uji validitas dan reliabilitas.Penilaian kinerja pada perspektif keuangan dilakukan dengan mengkaji laporan laba rugi, neraca dan arus kas dari laporan keuangan SPBU X periode 2010, 2011, 2012. Kinerja keuangan diukur dari nilai Current Asset, Debt Ratio, Return on Asset (ROA) dan Total Asset Turn Over (TATO), menunjukan hasil yang memuaskan dengan skor akhir 93.75%. Pada perspektif pelanggan, kinerja SPBU X dinilai cukup baik dengan skor akhir 70%, yang dianalisis melalui survei kepuasan konsumen dan menghitung tingkat profitabilitas konsumen. Penilaian pada perspektif proses bisnis internal menunjukan hasil yang baik dengan skor akhir 83.3%, kriteria pengukuran dianalisis melalui inovasi penjualan produk dan jasa yang dilakukan, minimalisasi masalah dan kecepatan pelayanan. Kinerja SPBU X pada perspektif pertumbuhan dan pembelajaran dinilai belum optimal dengan skor akhir 66.6%. Kinerja keseluruhan SPBU X melalui pendekatan Balance Scorecard dinilai cukup baik dengan skor akhir 77.98%. SPBU X sebaiknya memperhatikan aspek-aspek nonkeuangan lainnya dan direkmendasikan untuk menggunakan konsep Balance Scorecard sebagai sistem pengukuran kinerja dalam pencapaian visi, misi dan tujuan perusahaan.
Corporate Social Responsibility Disclosure and Financial Performance: A State Owned Enterprises Case Study Susnaningsih Muat; Agung Prayogo
Sosial Budaya Vol 15, No 1 (2018): Juni 2018
Publisher : Lembaga penelitian dan pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/sb.v15i1.5735

Abstract

In today’s business environment, the maximization of shareholders wealth is not the only objective of a company. By engaging in the Corporate Social Responsibility (CSR) program, companies are also responsible for the interest of stakeholders and society at large. CSR disclosure is believed to improve financial performance. In State Owned Enterprises (SOE), however, the validity of this relationship has been called into question. In this paper, the main objective is to investigate the influence of CSR disclosure on financial performance in SOE. In relation to the measurement of financial performance, this study takes into account three indicators: Return on Equity (ROE), Earning Per Share (EPS), and Net Profit Margin (NPM). In this study, data from state owned enterprises, which were listed on the Indonesian Stock Exchange from the period of 2011 to 2015, were analyzed using simple regression method. The data used in this study took the form of financial and sustainability report issued by state owned enterprises. The results show that the disclosure of CSR has a significant positive effect on ROE. The CSR disclosure also has a significant positive effect on EPS. In contrast, the disclosure of CSR has no effect on NPM. In the context of State Owned Enterprises, the research demonstrates that there is positive relationship between CSR disclosure and financial performance. This paper contributes to our understanding of state owned enterprises in Indonesia; a research area which has to date been neglected by scholars.
ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN SYARI’AH DENGAN PERBANKAN KONVENSIONAL : STUDI PADA PERBANKAN SYARI’AH DAN KONVENSIONAL YANG MEMILIKI CABANG DI KOTA PEKANBARU Susnaningsih Mu’at
Kutubkhanah Vol 14, No 1 (2011): Januari - Juni 2011
Publisher : Lembaga penelitian dan pengabdian kepada masyrakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.915 KB) | DOI: 10.24014/kutubkhanah.v14i1.285

Abstract

Hal mendasar yang membedakan antara lembaga keuangan konvensional dengan syari’ah adalah terletak pada pengembalian dan pembagian keuntungan yang diberikan oleh nasabah kepada lembaga keuangan dan/atau yang diberikan oleh lembaga keuangan kepada nasabah. Kegiatan operasional bank syari’ah menggunakan prinsip bagi hasil (profit and loss sharing). Bank syari’ah tidak menggunakan bunga sebagai alat untuk memperoleh pendapatan maupun membebankan bunga atas penggunaan dana dan pinjaman karena bunga merupakan riba yang diharamkan. Perbandingan kinerja keuangan perbankan syari’ah dengan perbankan konvensional sangat signifikan perbedaannya.
Lecturers’ financial wellness: The role of religiosity, financial literacy, behavior, and stress with gender as the moderating variable Susnaningsih Muat; Khairil Henry
Journal of Accounting and Investment Vol 24, No 2: May 2023
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (827.599 KB) | DOI: 10.18196/jai.v24i2.17428

Abstract

Research aims: The study’s objective is to propose and empirically test a model encompassing financial literacy, financial behavior, financial stress, religiosity, and the role of gender as moderating variable on financial wellness.Design/Methodology/Approach: Using a convenience sampling technique, an online survey was conducted to collect data from lecturers in Pekanbaru, yielding 116 usable responses that were analyzed using partial least squares structural equation modeling (PLS-SEM).Research findings: The study findings highlighted that financial behavior and religiosity positively impacted financial wellness, while financial stress significantly negatively influenced financial wellness. The study also confirmed the moderation role of gender in the relationship between financial literacy and financial wellness.Theoretical contribution/Originality: This study’s findings contribute to the literature by examining the role of religiosity as the determinant of financial wellness among lecturers. Specifically, this study provides new insight into lecturers’ financial wellness because most previous studies focus on employeesResearch limitation/Implication: This cross-sectional study was conducted at a specific time, so the causal relationships could not be established. Hence, researchers in the future may employ a longitudinal strategy to analyze changes in financial behavior and their effects across time
Personal Financial Literacy dan Financial Behavior Mahasiswa: Analisis dengan Dummy Variabel Susnaningsih Muat; Nelsi Arisandy
Muhammadiyah Riau Accounting and Business Journal Vol 4 No 2 (2023): Muhammadiyah Riau Accounting and Business Journal: In Progress
Publisher : Faculty of Economics and Business Universitas Muhammadiyah Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/mrabj.v4i2.4716

Abstract

Penelitian ini bertujuan untuk mengetahui gambaran financial literacy dan financial behaviour mahasiswa program Strata 1 semester 7 UIN Sultan Syarif Kasim Riau. Lebih lanjut, riset ini menguji faktor sosio demografi terhadap financial literacy dan dampaknya terhadap financial behavior mahasiswa. Sebanyak 839 kuesioner disebarkan kepada mahasiswa dan selanjutnya dianalisis menggunakan regresi berganda dengan variabel dummy. Hasil penelitian menunjukkan bahwa dari lima variabel bebas yang ditetapkan dalam penelitian ini hanya dua variabel yang memiliki pengaruh signifikan yaitu indeks prestasi kumulatif (IPK) dan program studi. Sementara tiga variabel lagi yaitu jenis kelamin, tingkat pendidikan, dan penghasilan orang tua tidak memiliki pengaruh yang signifikan. Diantara kelima variabel bebas tersebut, variabel jenis kelamin memiliki pengaruh negatif, sementara variabel lain memiliki pengaruh yang positif. Berdasarkan model persamaan regresi dummy yang dihasilkan dapat diketahui bahwa variabel IPK memiliki pengaruh yang paling besar, baik terhadap financial literacy maupun terhadap financial behavior.
Pengaruh digital financial literacy, financial skill, financial stress dan financial self-efficacy terhadap financial well-being: Studi lintas generasi di Provinsi Riau Tanjung, Andini; Muat, Susnaningsih
Jurnal Ilmu Manajemen Vol. 13 No. 2 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v13n2.p356-374

Abstract

Differences in financial characteristics across generations influence individual financial well-being. In the rapidly evolving digital era, digital financial literacy has become a crucial factor in financial management. This study aims to analyze the influence of digital financial literacy, financial skills, financial stress, and financial self-efficacy on financial well-being among Generations X, Y, and Z in Riau Province. Data were collected through questionnaires, and intergenerational differences were examined. The results indicated significant differences in financial well-being, digital financial literacy, and financial stress across generations; however, no significant differences were found in financial skills and financial self-efficacy. Digital financial literacy positively and significantly influenced financial well-being in Generation Z, whereas no significant impact was observed in Generations X and Y. Financial skills had a significant positive impact on financial well-being across all three generations. Conversely, financial stress negatively and significantly affected financial well-being across generations, while financial self-efficacy contributed positively. These findings highlight the importance of digital financial literacy and effective financial management skills in enhancing financial well-being. They also underline the necessity for tailored approaches to address financial stress within each generation. This study provides valuable insights for policymakers and financial education institutions.
Pendampingan Pelaporan SPT Pajak Bagi Wajib Pajak Pribadi Di Kantor Kecamatan Tuah Madani Pekanbaru Anggriani , Irien Violinda; Muat, Susnaningsih; Triandani, Sahwitri; Arisandy, Nelsi
Jurnal Pengabdian UntukMu NegeRI Vol. 7 No. 2 (2023): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v7i2.6281

Abstract

Tax is an obligation that must be fulfilled by every citizen. Current tax revenue is not in line with the government's expectations, because taxpayers do not pay their tax obligations on time and even some entrepreneurs do not report their transactions, so tax revenue is not optimal. Therefore understanding of the importance of paying taxes is needed for the sake of all the Indonesian citizen. We, as a community service team, work closely with the Regional Office of the Directorate General of Taxes of Riau Province through the Tax Center of the Faculty of Economics and Social Sciences, State Islamic University of Sultan Syarif Kasim Riau, as a companion for Tax Volunteers in providing assistance in filling out Annual Tax Returns for personal Taxpayers in reporting the wealth electronically. The method used is Participatory Action Research which is the implementation of dedication to define a problem or apply information into action as a solution to the problem or activity being carried out. The purpose of this community service is to provide convenience and satisfaction for personal taxpayers and tax volunteers who have successfully reported their wealth and also succeeded in assisting taxpayers.
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPATUHAN WAJIB PAJAK ORANG PRIBADI SEBAGAI PELAKU BISNIS ONLINE SELAMA MASA PANDEMI COVID 19 Arisandy, Nelsi; Anggriani, Irien Violinda; Triandani, Syahwitri; Mu'at, Susnaningsih
Jurnal Daya Saing Vol. 9 No. 2 (2023): Transformasi Kinerja SDM, Perilaku Konsumen, dan Strategi UMKM di Era Digital
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/dayasaing.v9i2.1344

Abstract

Tujuan penelitian ini adalah untuk memberikan bukti empiris mengenai pengaruh pemahaman wajib pajak, kesadaran wajib pajak, sanksi perpajakan dan manfaat yang dirasakan terhadap kepatuhan wajib pajak orang pribadi yang melakukan aktivitas bisnis online pada masa pandemi Covid 19. Penelitian ini menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah wajib pajak orang pribadi di Kecamatan Tampan Pekanbaru, dan sampelnya adalah wajib pajak orang pribadi yang melakukan kegiatan bisnis online yang berjumlah 100 responden. Convenience sampling digunakan sebagai metode pengambilan sampel dalam penelitian ini. Data dianalisis menggunakan Regresi Linier Berganda dan digunakan SPSS. Hasil penelitian menunjukkan bahwa kesadaran wajib pajak dan sanksi perpajakan berpengaruh signifikan terhadap kepatuhan wajib pajak orang pribadi, sedangkan pemahaman wajib pajak dan manfaat yang dirasakan tidak berpengaruh signifikan terhadap kepatuhan wajib pajak orang pribadi wajib pajak orang pribadi yang melakukan kegiatan bisnis online selama masa Covid 19 di Kabupaten Tampan. Terakhir, temuan dibahas dan rekomendasi diberikan.Tujuan penelitian ini adalah untuk memberikan bukti empiris mengenai pengaruh pemahaman wajib pajak, kesadaran wajib pajak, sanksi perpajakan dan manfaat yang dirasakan terhadap kepatuhan wajib pajak orang pribadi yang melakukan aktivitas bisnis online pada masa pandemi Covid 19. Penelitian ini menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah wajib pajak orang pribadi di Kecamatan Tampan Pekanbaru, dan sampelnya adalah wajib pajak orang pribadi yang melakukan kegiatan bisnis online yang berjumlah 100 responden. Convenience sampling digunakan sebagai metode pengambilan sampel dalam penelitian ini. Data dianalisis menggunakan Regresi Linier Berganda dan digunakan SPSS. Hasil penelitian menunjukkan bahwa kesadaran wajib pajak dan sanksi perpajakan berpengaruh signifikan terhadap kepatuhan wajib pajak orang pribadi, sedangkan pemahaman wajib pajak dan manfaat yang dirasakan tidak berpengaruh signifikan terhadap kepatuhan wajib pajak orang pribadi wajib pajak orang pribadi yang melakukan kegiatan bisnis online selama masa Covid 19 di Kabupaten Tampan. Terakhir, temuan dibahas dan rekomendasi diberikan.
How do digital financial literacy, financial behavior, and skills affect financial well-being? An Exploratory Study on Gen Z Muat, Susnaningsih; Fachrurrozi, Fachrurrozi; Sari, Nana
Integrated Journal of Business and Economics (IJBE) Vol 8, No 1 (2024): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v8i1.851

Abstract

Rapid development in the digital financial landscape nowadays requires individuals to have sufficient financial literacy and master digital financial literacy. This study aims to analyze the direct relationship between DFL, financial behaviour, and financial skill on FWB and investigate the mediation effect of financial behaviour and skills on the relationship between DFL and FWB. Motivated by the worrying financial condition of Generation Z, this exploratory study is conducted using a self-administered questionnaire distributed in Riau Province, which resulted in 108 valid responses. A variance-based structural equation modeling using SmartPLS is utilized to test the relationship between constructs. Findings reveal that financial behavior and financial skills directly influence FWB. The evidence showed that DFL influences FWB indirectly through financial behavior. This research suggests that the government and policymakers provide knowledge about DFL to Generation Z.
Co-Authors Agung Prayogo Fachrurrozi Fachrurrozi Irien Violinda Anggriani Khairil Henry Nelsi Arisandy nelsi arisandy arisandy, nelsi arisandy Sahwitri Triandani Sari, Nana Tanjung, Andini Triandani, Syahwitri