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All Journal Measurement : Jurnal Akuntansi JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) REKAMAN (Jurnal Riset Ekonomi Bidang Akuntansi dan Manajemen) Scientific Journal of Reflection : Economic, Accounting, Management and Business Owner : Riset dan Jurnal Akuntansi eCo-Buss Amalee: Indonesian Journal of Community Research & Engagement Jurnal Akuntansi Barelang Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Puan Indonesia Economic Reviews Journal Abdi Cendekia: Jurnal Pengabdian Masyarakat ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Jurnal Sosial dan Sains Postgraduate Management Journal Jurnal Pengabdian Ibnu Sina Realible Accounting Journal Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI) Jurnal Ekonomi Kreatif Indonesia Jurnal Inovasi Bisnis Indonesia (JIBI) International Journal of Economics, Business and Innovation Research JURNAL LIGA ILMU SERANTAU Aktsar: Jurnal Akuntansi Syariah
Maya Richmayati
Universitas Ibnu Sina
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EDUKASI NASABAH TERKAIT GANGGUAN BI-FAST DAN RESPONS BANK MUAMALAT CABANG BATAM MELALUI PROGRAM SUBSIDI BIAYA TRANSAKSI Gina Putri Indriani; Ita Mustika; Maya Richmayati; Andi Hidayatul Fadlilah; Nur Isra Laili
PUAN INDONESIA Vol. 7 No. 2 (2026): Jurnal Puan Indonesia Vol 7 No 2 januari 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v7i2.449

Abstract

Transformasi layanan digital perbankan telah membawa perubahan signifikan dalam pola transaksi masyarakat, salah satunya melalui hadirnya layanan BI-FAST. Layanan ini memungkinkan transfer antarbank secara real-time dengan biaya lebih rendah, sehingga diminati oleh nasabah. Bank Muamalat Indonesia Tbk mengintegrasikan layanan BI-FAST melalui aplikasi Muamalat DIN untuk mendukung efisiensi transaksi nasabah. Namun, terjadi gangguan pada layanan BI-FAST yang mengakibatkan nasabah tidak dapat menggunakannya sementara waktu. Akibatnya, nasabah harus menggunakan metode transfer lain seperti SKN dan RTOL dengan biaya lebih tinggi, memicu keluhan terutama dari nasabah yang rutin bertransaksi antarbank. Sebagai langkah responsif, Bank Muamalat meluncurkan program Subsidi Biaya Transaksi Real-Time Online Transfer yang memberikan cashback Rp 4.000 per transaksi maksimal tiga kali dalam sebulan. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan komunikasi langsung interpersonal. Penulis berinteraksi aktif dengan nasabah untuk menggali pengalaman, persepsi, dan harapan mereka. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi, kemudian dianalisis secara tematik. Hasil penelitian menunjukkan bahwa program subsidi membantu menekan keluhan nasabah dan menjaga loyalitas penggunaan kanal digital bank. Namun, perbaikan sistem teknologi dan penguatan komunikasi nasabah tetap diperlukan agar kualitas layanan digital lebih andal dan risiko gangguan dapat diminimalkan di masa mendatang.Keywords — BI-FAST, layanan digital perbankan, subsidi biaya transaksi, komunikasi interpersonal, Bank Muamalat, manajemen resiko layanan.
ANALISIS PELAKSANAAN DI BIDANG PELAYANAN BPJS YANG FOKUS PADA ADMINISTRASI KEPERSERTAAN DAN PROSES KLAIM JAMINAN SOSIAL Nadila Nadila; Ita Mustika; Maya Richmayati
PUAN INDONESIA Vol. 7 No. 2 (2026): Jurnal Puan Indonesia Vol 7 No 2 januari 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v7i2.450

Abstract

Field Work Practice (KKL) is an integral part of the academic curriculum designed to bridge the gap between theoretical knowledge and practical application. This study aims to analyze the implementation of public service delivery at the Social Security Administration Agency for Employment (BPJS Ketenagakerjaan) in Nagoya Batam Branch, with a specific focus on participant administration and social security claims processes. A qualitative descriptive method was employed, utilizing direct observation, active participation in operational activities, and documentation throughout the internship period. The findings reveal that BPJS Ketenagakerjaan has established a service system characterized by responsiveness, accuracy, and technological integration. Despite the progress, several operational challenges remain, including unstable internet connectivity and limited hardware capacity. This practical experience has provided students with firsthand insight into public administration processes, service quality management, and the application of digital tools in social security services. The study underscores the importance of experiential learning in strengthening students’ professional competencies and preparing them for the dynamics of the public sector workforce.
PELAYANAN PEMBIAYAAN KREDIT MOTOR HONDA DI LEASING FEDERAL INTERNATIONAL FINANCE (FIF) Ratna Putri Mardianti; Khadijah Khadijah; Andi Hidayatul Fadilah; Maya Richmayati
PUAN INDONESIA Vol. 7 No. 2 (2026): Jurnal Puan Indonesia Vol 7 No 2 januari 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v7i2.453

Abstract

This study discusses the financing services for new motorcycle credit provided by PT Federal International Finance (FIF), one of the largest leasing companies in Indonesia under Astra International. FIF offers easy application processes for new motorcycle credit, especially for Honda motorcycles, with fast, secure procedures and simple requirements such as ID card, family card, and salary slip. Applications can be made offline through dealers or FIF branch offices, as well as online. FIF also provides various flexible tenor options and down payment amounts according to consumers’ financial capabilities. Additionally, FIF continuously develops digital services and collaborates with dealers to enhance customer experience. New motorcycle financing is a major focus of FIF, contributing about 65% of total financing. FIF also strives to expand its service reach through automotive exhibitions and opening new branches. With competitive interest rates and an easy process, FIF helps the public own new motorcycles on credit in an affordable and trustworthy way. This study aims to provide a clear overview of the new motorcycle credit financing services at FIF.-
PERAN CUSTOMER SERVICE DALAM MEMBANGUN LOYALITAS PELANGGAN DI PT FEDERAL INTERNASIONAL Amanda Anjili; Maya Richmayati; Elminaliya Sandra
PUAN INDONESIA Vol. 7 No. 2 (2026): Jurnal Puan Indonesia Vol 7 No 2 januari 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v7i2.457

Abstract

The competitive competition requires companies to create new ideas from the service which is given to the consumers in order to maintain their consumers for not switching to other competitors. Nowadays, there are companies focus on leasing, factoring, and consumer finance. This study aims to test the impact of the quality service towards the consumer's loyalty through the consumer's satisfaction in Federal International Finance. The type of this study is a quantitative research. The population of this study are all the customers of the Federal International Finance, with 96 customers as the samples and this study applies the probability sampling with the simple random sampling method. The data analysis applies the path analysis with Smart PLS 3.0 program. The result of this study shows that the service quality impacts the customer's satisfaction. The service quality and the customer's satisfaction impact the customer's loyalty. The service quality impacts the impacts the customer's loyalty through the customer's satisfaction. Therefore, it can be concluded that the customers satisfaction mediate the service quality to the consumers loyalty
Pengaruh Tekanan Dan Peluang Terhadap Deteksi Fraud Pada Bank BUMN Kota Batam Desi Setia Nengsih; Andi Auliya Ramadhany; Nur Isra Laili; Maya Richmayati; Khadijah
JURNAL AKUNTANSI AUDIT DAN PERPAJAKAN INDONESIA (JAAPI) Vol. 7 No. 1 (2026): Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI)
Publisher : Program Studi Akuntansi Fakultas Ekonomi UMN AL Washliyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/jaapi.v7i1.6398

Abstract

This study aims to examine the effect of pressure (X1) and opportunity (X2) on fraud detection ability (Y) in State-Owned Banks in Batam City. This research used a quantitative method by collecting primary data through questionnaires distributed to 189 respondents working as tellers and customer service staff at State-Owned Banks (Bank Negara Indonesia, Bank Rakyat Indonesia, and Bank Tabungan Negara). Data analysis was conducted using multiple linear regression with SPSS version 25. The results showed that partially, pressure (X1) had a significant negative effect on fraud detection ability (Y) with a significance value of 0.000, and opportunity (X2) also had a significant negative effect with a significance value of 0.000. Simultaneously, pressure and opportunity had a significant effect on fraud detection ability with a significance value of 0.000. Classical assumption tests indicated no autocorrelation, multicollinearity, or heteroscedasticity, and the data were normally distributed. This study suggests that State-Owned Banks should manage work pressure effectively and minimize fraud opportunities to improve fraud detection ability.
Pengaruh Peluang, Rasionalisasi Dan Kapabilitas Terhadap Fraud (Studi Kasus PT Sat Nusapersada Tbk Batam) Nadila; Andi Auliya Ramadhany; Nur Isra Laili; Maya Richmayati; Khadijah
JURNAL AKUNTANSI AUDIT DAN PERPAJAKAN INDONESIA (JAAPI) Vol. 7 No. 1 (2026): Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI)
Publisher : Program Studi Akuntansi Fakultas Ekonomi UMN AL Washliyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/jaapi.v7i1.6400

Abstract

This study aims to analyze the influence of opportunity, rationalization, and capability on the occurrence of fraud at PT Sat Nusapersada Tbk, Batam City. The study used a quantitative approach with primary data obtained through questionnaires distributed to 100 employees as respondents. Data processing was carried out using multiple linear regression analysis with the help of SPSS version 26. The results showed that the three independent variables had a positive and significant effect on fraud. Opportunity had a significance value of 0.004, rationalization of 0.002, and capability of 0.005. This indicates that the greater the opportunity, self-justification, and individual ability to exploit the situation, the risk of fraud also increases. The classical assumption test showed that the data were normally distributed and there were no problems of autocorrelation, multicollinearity, or heteroscedasticity, so the regression model was considered suitable for use. As a preventive measure, the company is advised to implement job rotation in the warehouse section, conduct periodic anti-collusion training, conduct risk-based audits in vulnerable operational areas, and provide ethics training to suppress rationalization and abuse of employee capabilities.
PEMBERDAYAAN UMKM MELALUI PELATIHAN DIGITAL MARKETING DAN PENDAMPINGAN PENCATATAN KEUANGAN DIGITAL BERBASIS BUKUWARUNG UNTUK MENINGKATKAN DAYA SAING DAN KEBERLANJUTAN USAHA Nabila Julian Fransisca; Dwi Magdalena; Indah Novita Sari; Dian Nurutri; Martina Bengan; Mohd Wily Fahrezi; Dayana Safitri; Elsa Meldiani; Aulia Friska Purnama Sari; Muhamad Nur Fadli; Maya Richmayati; Khadijah Khadijah
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 4 (2026): Vol. 7 No. 4 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i4.61637

Abstract

Usaha kecil dan menengah (UMKM) di distrik Batu Besar, Kabupaten Nongsa saat ini menghadapi tantangan terkait pemasaran dan manajemen pencatatan keuangan usaha, sehingga menghambat daya saing dan keberlanjutan usahanya. Kegiatan yang dilakukan bertujuan untuk memperkuat kompentensi pelaku UMKM melalui pelatihan digital marketing dan pendampingan pencatatan keuangan digital berbasis aplikasi BukuWarung. Metode pelaksanaan meliputi empat tahap, yaitu persiapan, pelatihan digital marketing, pendampingan penggunaan aplikasi BukuWarung, serta pengukuran melalui preetest dan posttest. Temuan ini memberi hasil peningkatan pada seluruh indikator yang diukur, dengan peningkatan paling substansial terjadi pada penggunaan aplikasi pencatatan keuangan digital, yaitu dari 18% menjadi 89%. Selain itu, tercatat pula peningkatan pada pemahaman konsep digital marketing, kepemilikan akun media sosial usaha aktif, pemisahan keuangan pribadi dan usaha, dan peluang investasi bagi usaha kecil dan menengah (UKM). Studi ini menunjukkan bahwa penggunaan solusi teknologi memainkan peran penting dalam pengembangan bisnis.
PEMBERDAYAAN UMKM MELALUI PELATIHAN DIGITAL MARKETING DAN PENDAMPINGAN PENCATATAN KEUANGAN DIGITAL BERBASIS BUKUWARUNG UNTUK MENINGKATKAN DAYA SAING DAN KEBERLANJUTAN USAHA Nabila Julian Fransisca; Dwi Magdalena; Indah Novita Sari; Dian Nurutri; Martina Bengan; Mohd Wily Fahrezi; Dayana Safitri; Elsa Meldiani; Aulia Friska Purnama Sari; Muhamad Nur Fadli; Maya Richmayati; Khadijah Khadijah
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 4 (2026): Vol. 7 No. 4 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i4.61699

Abstract

Usaha kecil dan menengah (UMKM) di distrik Batu Besar, Kabupaten Nongsa saat ini menghadapi tantangan terkait pemasaran dan manajemen pencatatan keuangan usaha, sehingga menghambat daya saing dan keberlanjutan usahanya. Kegiatan yang dilakukan bertujuan untuk memperkuat kompentensi pelaku UMKM melalui pelatihan digital marketing dan pendampingan pencatatan keuangan digital berbasis aplikasi BukuWarung. Metode pelaksanaan meliputi empat tahap, yaitu persiapan, pelatihan digital marketing, pendampingan penggunaan aplikasi BukuWarung, serta pengukuran melalui preetest dan posttest. Temuan ini memberi hasil peningkatan pada seluruh indikator yang diukur, dengan peningkatan paling substansial terjadi pada penggunaan aplikasi pencatatan keuangan digital, yaitu dari 18% menjadi 89%. Selain itu, tercatat pula peningkatan pada pemahaman konsep digital marketing, kepemilikan akun media sosial usaha aktif, pemisahan keuangan pribadi dan usaha, dan peluang investasi bagi usaha kecil dan menengah (UKM). Studi ini menunjukkan bahwa penggunaan solusi teknologi memainkan peran penting dalam pengembangan bisnis.
PENGARUH CURRENT RATIO, DEBT TO EQUITY RATIO, DAN NET PROFIT MARGIN TERHADAP PERTUMBUHAN LABA Nurul Izzah; Maya Richmayati; Elminaliya Sandra
Jurnal Liga Ilmu Serantau Vol 1 No 2 (2024): Edisi Agustus - Jurnal Liga Ilmu Serantau (JLIS)
Publisher : Jurnal Liga Ilmu Serantau

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan dari penelitian yang diteliti untuk mengetahui bagaimana pengaruh current ratio,debt to equity ratio, serta net profit margin terhadap pertumbuhan laba di perusahaan food andBeverage yang terdaftar di Bursa Efek Indonesia (BEI) periode 2018 - 2022. Metode yangdigunakan adalah kuantitatif pada 26 perusahaan food and Beverage yang terdaftar di Bursa EfekIndonesia (BEI). Sampel penelitian sebanyak 11 perusahaan, sampel ini dipilih secara acakmempergunakan metode yang disebut dengan purposive sampling, dengan mempertimbangkansejumlah faktor. Data sekunder dikumpulkan dari website Bursa Efek Indonesia (www.idx.co.id)berbentuk catatan keuangan perusahaan food and Beverage di tahun 2018 hingga 2022. Studidokumentasi serta studi kepustakaan ialah metode yang dipergunakan dalam hal mengumpulkandata. Analisis regresi linier berganda dipergunakan untuk melihat data di penelitian kuantitatif ini,serta program SPSS Versi 25 dipergunakan dalam hal mengolah data. Hasil penelitianmemperlihatkan current ratio secara parsial tidak berpengaruh signifikan terhadap pertumbuhanlaba. Sebaliknya, debt to equity ratio serta net profit margin mempunyai pengaruh yang signifikanterhadap pertumbuhan laba. Sementara itu, current ratio, debt to equity ratio, serta net profitmargin secara bersama-sama berpengaruh signifikan terhadap pertumbuhan laba. Data R-Squarememperlihatkan current ratio, debt to equity ratio, serta net profit margin hanya mempunyaipengaruh senilai 29% terhadap variabel dependen pertumbuhan laba. Sedangkan 71% lainnyadisebabkan variabel independen yang tidak berhubungan dengan penelitian yang diteliti.
Pengaruh Biaya Produksi, Persediaan, dan Penjualan terhadap Laba Bersih pada Perusahaan Manufaktur Sektor Industri Dasar dan Kimia yang Terdaftar di Bursa Efek Indonesia Tahun 2021-2024 Sari, Yulita; Richmayati, Maya; Khadijah, Khadijah; Ramadhani, Andi Aulia; Mustika, Ita
ARZUSIN Vol 6 No 2 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i2.9464

Abstract

This study was motivated by the importance of understanding the factors that affect the net profit of manufacturing companies, particularly production costs, inventory, and sales, as a basis for making more effective financial decisions. This study aims to examine the effect of production costs, inventory, and sales on net profit in manufacturing companies listed on the Indonesia Stock Exchange in 2021. This study used a quantitative approach with a survey design, involving 40 companies selected through purposive sampling. Data were collected from annual financial statements and analyzed using multiple linear regression with the assistance of SPSS 25. The results showed that production costs had a significant effect on net profit (t = 3.498; significance = 0.001), whereas inventory (t = -0.052; significance = 0.959) and sales (t = 0.636; significance = 0.529) had no significant effect. Simultaneously, the three variables had a significant effect on net profit (F = 22.385; significance = 0.000). The Adjusted R Square value of 0.622 indicates that 62.2% of the variation in net profit can be explained by production costs, inventory, and sales. This study concludes that production costs are the most determining variable affecting net profit; therefore, companies need to prioritize more effective production cost management to improve financial performance.
Co-Authors Ade Sarmini Afdal Afdal Alvia Damayanti Amanda Anjili Amilia Santia Ananda, Adiski Dwi Andi Auliya Ramadhany Andi Auliya Ramadhany Andi Hidayatul Fadilah Andi Hidayatul Fadlilah Andi Hidayatul Fadlilah Anggie Putri Augustine Anggun, Anggun Kurnia Izati Anjani, Analinda Putri Annisa Annisa Aramadaniyas Aulia Friska Purnama Sari Aurora, Melisa Devi Baru Harahap Dayana Safitri Desi Setia Nengsih Dewi Permata Sari Dian Nurutri Dwi Magdalena Elminaliya Sandra Elsa Meldiani Fadli Luran Ferdila Ferdila Ferdila Feyola Nabilla Fielta Mecheline Alveria Gina Putri Indriani Handayani, Ayu Hendri Herman Hermaya Ompusunggu Hermaya Ompusunggu Indah Novita Sari Ita Mustika IZZAH, NURUL Jeffi Mutiara Khadijah Khadijah Khadijah , Khadijah Khadijah Khadijah Khadijah Khadijah Khadijah Khadijah Khalid, Ferdila lLutfiah, Umahatul Lusi Aulia Putri Winarti Madefys Dwi Saputri Martina Bengan Mohd Wily Fahrezi Muhamad Nur Fadli Muhamad Rahmat Muhamad Sapuan Muhamad Sapuan Mulyadi Mulyadi Mustika, Ita Mustika, Ita Mustika Nabila Julian Fransisca Nabila Rama Hervianti Nabilla, Feyola Nadila Nadila Nadila Nengsih, Desi Setia Neva, Ivena Nur Isra Laili Nur Isra Laili Nurul Izzah Piariska, Suci Putri, Alifia Sulistyani Aryana Rahmadani, Wulan Rahmanda, Lovita Rahmat, Muhammad Ramadhani, Andi Aulia Ramanda, Melda Ratna Putri Mardianti Rini Dewi Sahputri Ritonga, Sally Rahmadani Rivana, Farrah Pradwita Sabri Sabri Salsabila, Guliva Samad, Samad Sandra , Elminaliya Sapta Setia Darma Sapuan, Muhamad Sarmini Sarmini Sarmini Sarmini Sarmini Sarmini Septa Diana Nabella Siti Aminah Suyatni Syifa Fauziah Yulita Sari Yuniati, Sasmita Zulva Sudarti