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Analisa Rasio Likuiditas Dalam Mengukur Kinerja Keuangan PT. Mustika Ratu, Tbk (Tahun 2010-2016) Nuriasari, Selvia
Jurnal Riset Bisnis dan Investasi Vol 4, No 2 (2018): JURNAL RISET BISNIS & INVESTASI
Publisher : Jurnal Riset Bisnis dan Investasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (732.105 KB)

Financial ratio analysis is very important for company, one of which is management that need to analysis of financial performance and the results are used to design business plan, evaluate management and company performance. Liquidity ratio is one of the financial ratios used with the aim of measuring the ability of a company to pay a current liability. and to measure the company's ability to finance the company's operating activities. PT. Mustika Ratu, Tbk is was one of the national companies in the manufacturing sector of herbal medicine, cosmetics and ingredients for beauty care which experienced a decline in sales, which among others was due to the large number of competitors and the entry of products from abroad. A decrease in sales will have an impact on the ability of PT. Mustika Ratu, TBK in fulfilling its liabilites includes current liabilities, especially when it is seen that most of its raw materials are still imported from abroad so there is the possibility of adding "outside funds" to buy these raw materials to meet the needs so that the sales target is achieved. The addition of these obligations, including current liabilities will have an impact on the increase in the burden of PT. Mustika Ratu, TBK in paying current liabilities. So here the researcher is interested in raising the problem, namely seeing the ability of PT. Mustika Ratu, TBK in fulfilling its liabilities in paying current liabilities by using liquidity ratios. The formulas that will be used in analyzing the ability to current liabilities in PT. Mustika Ratu, TBK are current ratio, quick ratio, cash ratio, net working to capital ratio, and inventory to net working capital ratio.

PENGARUH MARGIN DAN LOKASI TERHADAP KEPUTUSAN MELAKUKAN PEMBIAYAAN MURABAHAH Sumanti, Susi; Hermawati, Nety; Nuriasari, Selvia
Jurnal Riset Bisnis dan Investasi Vol 5 No 3 (2019): JURNAL RISET BISNIS & INVESTASI
Publisher : Jurnal Riset Bisnis dan Investasi

Penelitian ini bertujuan untuk menganalisis pengaruh margin dan Lokasi Terhadap Keputusan Anggota Melakukan Pembiayaan Murabahah. Teknik sampling yang digunakan dalam penelitian ini adalah simple random sampling. Sampel dalam penelitian ini adalah anggota pembiayaan murabahah yang berjumlah 90 responden. Penelitian ini adalah penelitian kuantitatif dan metode analisis data menggunakan regresi linier berganda. Hasil dari penelitian ini menunjukan bahwa secara parsial margin dan lokasi tidak berpengaruh terhadap keputusan anggota melakukan pembiayaan murabahah. Margin dengan tingkat signifikasi -0,575 Sedangkan variabel lokasi -1,654. Secara simultan margin dan lokasi tidak berpengaruh signifikan terhadap keputusan anggota melakukan pembiayaan murabahah.  Hal tersebut dibuktikan dengan diperolehnya nilai signifikansi Fhitung  < Ftabel  yaitu 1,590 < lebih 3,14. Besarnya pengaruh variabel margin dan lokasi terhadap keputusan anggota melakukan pembiayaan murabahah sebesar 0,49% Sedangkan sisanya 99,51% dipengaruhi oleh variabel lain yang tidak termasuk dalam model penelitian ini.

Analisa Rasio Likuiditas Dalam Mengukur Kinerja Keuangan PT. Mustika Ratu, Tbk (Tahun 2010-2016) Nuriasari, Selvia
Jurnal Riset Bisnis dan Investasi Vol. 4 No. 2 (2018): Jurnal Riset Bisnis dan Investasi
Publisher : Jurnal Riset Bisnis dan Investasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jrbi.v4i2.1181

Financial ratio analysis is very important for company, one of which is management that need to analysis of financial performance and the results are used to design business plan, evaluate management and company performance. Liquidity ratio is one of the financial ratios used with the aim of measuring the ability of a company to pay a current liability. and to measure the company's ability to finance the company's operating activities. PT. Mustika Ratu, Tbk is was one of the national companies in the manufacturing sector of herbal medicine, cosmetics and ingredients for beauty care which experienced a decline in sales, which among others was due to the large number of competitors and the entry of products from abroad. A decrease in sales will have an impact on the ability of PT. Mustika Ratu, TBK in fulfilling its liabilites includes current liabilities, especially when it is seen that most of its raw materials are still imported from abroad so there is the possibility of adding "outside funds" to buy these raw materials to meet the needs so that the sales target is achieved. The addition of these obligations, including current liabilities will have an impact on the increase in the burden of PT. Mustika Ratu, TBK in paying current liabilities. So here the researcher is interested in raising the problem, namely seeing the ability of PT. Mustika Ratu, TBK in fulfilling its liabilities in paying current liabilities by using liquidity ratios. The formulas that will be used in analyzing the ability to current liabilities in PT. Mustika Ratu, TBK are current ratio, quick ratio, cash ratio, net working to capital ratio, and inventory to net working capital ratio.

Pengaruh Margin dan Lokasi Terhadap Keputusan Melakukan Pembiayaan Murabahah Sumanti, Susi; Hermawati, Nety; Nuriasari, Selvia
Jurnal Riset Bisnis dan Investasi Vol. 5 No. 3 (2019): Jurnal Riset Bisnis dan Investasi
Publisher : Jurnal Riset Bisnis dan Investasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jrbi.v5i3.1690

Penelitian ini bertujuan untuk menganalisis pengaruh margin dan Lokasi Terhadap Keputusan Anggota Melakukan Pembiayaan Murabahah. Teknik sampling yang digunakan dalam penelitian ini adalah simple random sampling. Sampel dalam penelitian ini adalah anggota pembiayaan murabahah yang berjumlah 90 responden. Penelitian ini adalah penelitian kuantitatif dan metode analisis data menggunakan regresi linier berganda. Hasil dari penelitian ini menunjukan bahwa secara parsial margin dan lokasi tidak berpengaruh terhadap keputusan anggota melakukan pembiayaan murabahah. Margin dengan tingkat signifikasi -0,575 Sedangkan variabel lokasi -1,654. Secara simultan margin dan lokasi tidak berpengaruh signifikan terhadap keputusan anggota melakukan pembiayaan murabahah. Hal tersebut dibuktikan dengan diperolehnya nilai signifikansi Fhitung < Ftabel yaitu 1,590 < lebih 3,14. Besarnya pengaruh variabel margin dan lokasi terhadap keputusan anggota melakukan pembiayaan murabahah sebesar 0,49% Sedangkan sisanya 99,51% dipengaruhi oleh variabel lain yang tidak termasuk dalam model penelitian ini.

Analysis of Profit-Sharing Financing Investment Ratio to Total Sharia Banks Financing in 2018 - 2022 Nuriasari, Selvia; Taruno, Agus; Rahmawati, Rahmawati; Rodoni, Ahmad; Pratiwi, Leni Nur
Journal of Applied Islamic Economics and Finance Vol 4 No 1 (2023): Journal of Applied Islamic Economics and Finance (October 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i1.5568

The profit-sharing financing investment ratio is used to measure the results of sharia bank investments in profit sharing based financing. It is known that from 2018 to 2020 the development of assets and disbursed financing (PYD) tended to decrease and the following year it increased, which had an impact on fluctuations in the financing investment ratio. The fluctuation of investment ratios is an interesting problem to research. This research is a quantitative descriptive study that describes the results using numbers with secondary data sources including the OJK Report on Sharia Banking Statistics for 2018 – 2022 and the Monthly Financial Report of Sharia Banks. The research conclusion is that the investment ratio from 2018 to 2022 fluctuates due to the decline in mudharabah financing and musyarakah financing at Sharia Banks.

Artificial Intelligence to Control the Consumption of Islamic Banking Customers Maryadi, Maryadi; Arief, Zaenal; Nuriasari, Selvia; Rodoni, Ahmad; Amelia, Erika
EconBank: Journal of Economics and Banking Vol 6 No 1 (2024): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v6i1.311

This study aims to complete literacy about the application of artificial intelligence technology in business functions, namely in the consumption function. This research method is a literature review by analyzing books and literature from various databases related to the research theme. The data used in this study is qualitative data from literature studies obtained from books and articles through various databases such as Scopus, Web of Science, Google Scholar, and other valid online sources to obtain research-themed material during March and April 2023. The use of mobile banking continues to increase. The features available in mobile banking provide comfort and convenience in making transactions. This can lead to consumption patterns that are not in accordance with the rules set out in Islamic law. Artificial intelligence technology can be applied in various business functions including production, distribution, procurement, and so on. In the consumption function, artificial intelligence can be designed to control consumption so that it conforms to Islamic principles, for example consuming halal goods, excessive amounts, and so on. The artificial intelligence technology adopted in mobile banking services is expected to become one of the monitoring tools to encourage Islamic banking customers to always commit to consumption rules, and prevent all forms of deviation from the correct consumption path.

Legal Assistance (Social Advocacy) on The Civil Rights of Indonesian Migrant Workers in The Sumber Gede Community Nurhidayati; Nugraha, Satriya; Pitriani; Zulfikar, Ahmad Arif; Nuriasari, Selvia
Indonesian Journal of Community Services Cel Vol. 1 No. 3 (2022): Indonesian Journal of Community Services Cel
Publisher : Research and Social Study Institute

The phenomenon of migrant workers in Indonesia is one of the issues that often cause public unrest. Migrant workers are considered foreign exchange heroes for the country. However, often the problems that afflict these migrant workers are unknown and even untouched while still working or after working as a migrant workers. The purpose of the activity is to provide legal assistance (social advocacy) to the village government and migrant workers to ensure the fulfillment of the rights of migrant workers and increase the capacity of both knowledge and legal information for migrant workers and former migrant workers once a month, provide legal protection information and improve the competence of PMI families and increase the ability and competence of PMI candidates in Sumber Gede Village community every three months. The method used is the Participatory Rural Appraisal (PRA) method. It is carried out in Sumber Gede Village, East Lampung Regency, through the stages of problem identification, activity planning, coordination with partners, implementation of activities, and supervision and evaluation. The exercises are strengthening legal literacy through the socialization of the law. No. 18 of 2017 on the protection of Indonesian migrants and Sumber Gede Village Regulation No. 4 of 2021 on the protection of Indonesian migrants, Gender-responsive Case Management Training and Paralegal Training in case handling for women migrant workers. The result of this activity is to increase competence and knowledge for migrant workers, former migrant workers and migrant workers' families both in terms of regulatory knowledge, legal assistance, and improving entrepreneurial skills.

MEMINIMALISIR PEMBIAYAAN BERMASALAH DALAM PEMBERIAN PEMBIAYAAN MIKRO DENGAN PRINSIP 5C Damayanti, Laila; Tobibatussaadah, Tobibatussaadah; Nuriasari, Selvia
Mu'amalatuna: Jurnal Ekonomi Syariah Vol 3, No 1 (2020): Mu'amalatuna: Jurnal Ekonomi Syariah
Publisher : Universitas Muhammadiyah Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36269/muamalatuna.v3i1.290

The micro financing offered by BRIS KCP Metro is financing that is used for productive purposes in micro businesses. Micro Financing certainly carries the risk of problem financing which can increase the NPF BRIS value which affects the financial performance of BRIS. It is known that the NPF BRIS has increased quite significantly from 2017 to 2018, namely from 1.9% to 9.4% which explains the increase in problem financing in BRIS. To minimize this problematic financing, BRIS KCP Metro has strengthened the implementation of the 5c principle before distributing microfinance to the community. This research is a descriptive qualitative study that describes the application of the 5c principle in minimizing problematic micro financing at BRIS KCP Metro. The primary data sources are Unithead employees, BRI Syariah KCP Metro Micro Account Officer employees and problematic Micro Financing customers. The result of the research is the 5c principle in minimizing problematic micro financing in BRIS KCP Metro still needs improvement and evaluating several aspects of 5C, namely the aspect of character assessment and the aspect of capacity assessment. The weak application of character assessment for prospective customers is due to the inexperience of AOM employees which has resulted in increased financing problems due to dishonest customers in using these funds. Then AOM's weakness in assessing the business capacity of prospective customers is seen from AOM's mistakes in calculating or estimating the size of the accounts contained in the capacity component, because in micro businesses, well-structured financial reports are very rare. As a result of these two things, the NPF value increases every year. Therefore it is necessary to provide training for AOM employees to improve soft skills in analyzing 5Cs, and the need for periodic monitoring after disbursement so that the funds channeled are used in accordance with the proposals submitted by prospective customers.

ANALISA RASIO LIKUIDITAS DALAM MENGUKUR KINERJA KEUANGAN PT. MARTINA BERTO, TBK (TAHUN 2010 â€“ 2016) Nuriasari, Selvia
Mu'amalatuna: Jurnal Ekonomi Syariah Vol 2, No 1 (2019): Mu'amalatuna: Jurnal Ekonomi Syariah
Publisher : Universitas Muhammadiyah Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36269/muamalatuna.v2i1.88

Rasio keuangan adalah alat dalam menilai kinerja keuangan perusahaan yang bertujuan untuk mengetahui kemampuan perusahaan dalam membayar kewajiban jangka pendek secara tepat waktu serta mengukur kemampuan perusahaan dalam membiayai aktivitas operasi perusahaan. Adapun indikatornya adalah semakin mampu perusahaan membayar kewajiban atau utang jangka pendek perusahaanÂ dan membiayai aktivitas operasi perusahaan, maka semakin sehat atau likud. Semakin turun kemampuan perusahaan membayar utang atau kewajiban jangka pendeknya dan membiayai aktivitas operasi perusahaan, maka semakin tidak sehat atau ill-likuid. Â

The Influence of Potential Loss Portfolio Ratio and PBH Investment Ratio on Bus ROA in Indonesia 2015 - 2022 Nuriasari, Selvia; Rodoni, Ahmad; Pratiwi, Leni Nur
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v3i2.1099

The ratio of the portfolio of potential losses in profit-sharing financing to the mudharabah and musyarakah investment portfolio and the ratio of investment in profit-sharing financing to total financing is used to measure the results of Sharia bank investments in profit-sharing-based financing. It is known that from 2015 to 2022 the development of assets and disbursed financing (PYD) tends to decrease and in the following year increases, resulting in fluctuations in the two investment ratios. The fluctuation of two investment ratios is an interesting problem to research. This research is a quantitative descriptive study using PASW 18 which describes the results using figures with secondary data sources including the OJK Sharia Banking Statistics Report for 2015 - 2022 and the Monthly Financial Report of Sharia Banks. The research conclusion is that the investment ratio from 2015 to 2022 experienced fluctuations due to the decline in mudharabah financing and musyarakah financing at Sharia Banks.

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