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All Journal Efisiensi : Kajian Ilmu Administrasi Governance : Jurnal Ilmu Pemerintahan Jurnal Ekonomika Journal of Economics, Business, & Accountancy Ventura DiE: Jurnal Ilmu Ekonomi dan Manajemen JURNAL EKONOMI DAN BISNIS AIRLANGGA JEA17: Jurnal Ekonomi Akuntansi JEB17 : Jurnal Ekonomi dan Bisnis JHP17 (Jurnal Hasil Penelitian) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah PROCEEDING ICTESS (Internasional Conference on Technology, Education and Social Sciences) PROFIT FENOMENA JEM17: Jurnal Ekonomi Manajemen Business and Finance Journal Arthavidya Jurnal Ilmiah Ekonomi Jurnal EK dan BI Journal Of Human And Education (JAHE) SWARNA Business Management International Journal of Economics (IJEC) Journal of Artificial Intelligence and Digital Business Journal Community Service Consortium Innovative: Journal Of Social Science Research Journal of Psychiatry Psychology and Behavioral Research (JPPBR) Jurnal Multidisiplin Sahombu Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi IIJSE International Journal of Research in Counseling IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Ekonomi, Manajemen, Akuntansi Journal of Indonesian Social Sciences and Humanities
Tri Ratnawati
Dosen Fakultas Ekonomi Universitas 17 Agustus 1945 Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PKM TEKNOLOGI TEPAT GUNA MANAJEMEN KELOMPOK INDUSTRI KECIL KRUPUK DESA UJUNG PANGKAH KABUPATEN GRESIK Ratnawati, Tri; Lokajaya, I Nyoman
Journal Community Service Consortium Vol 1 No 1 (2020): Journal Community Service Consortium
Publisher : Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/consortium.v1i1.3272

Abstract

Kecamatan Ujung Pangkah, Kabupaten Gresik, Jawa Timur. Kerupuk yang diproduksi oleh sebagian besar pengrajin berupa 'mentah'. Bahan baku pembuatan kerupuk berupa ikan sangat melimpah di desa ini dan sebagian besar masyarakatnya bermata pencaharian sebagai nelayan. Ikan yang digunakan sebagai bahan baku pembuatan kerupuk adalah ikan payus dan laosan. Kerupuk ikan adalah kerupuk yang bahannya terdiri dari campuran tepung dan daging ikan. Kerupuk ikan sangat digemari masyarakat, mulai dari anak-anak hingga orang dewasa. Banyak jenis ikan yang bisa dijadikan bahan dasar pembuatan kerupuk. Ikan payus (Elops hawaiensis) merupakan salah satu jenis ikan predator berupa ikan kecil dan krustasea di kolam. Keberadaan ikan ini cukup melimpah sehingga dapat dimanfaatkan sebagai produk yang dapat dikonsumsi oleh masyarakat. Produk yang dapat dibuat dari ikan payus adalah kerupuk bakar. Pengolahan kerupuk ikan bakar payus pada awalnya seperti pengolahan kerupuk pada umumnya, namun yang membedakan adalah proses akhir untuk mendapatkan kerupuk yang dapat dimakan yaitu dengan cara dipanggang. Proses produksi membutuhkan kontrol kualitas, pemasaran produk oleh pemasaran digital kontemporer (Instragram dan facebook), dan pelaporan manajemen keuangan dalam laporan keuangan melalui proses akuntansi perusahaan kecil.
THE ENIAPEL BOTTOM LINE MODEL AND NATURAL TOURISM MARKETING: A MIXED METHODS STUDY OF GOSARI VILLAGE Cempena, Ida Bagus; Ratnawati, Tri; Sitohang, Arga Christian
Jurnal Ekonomi dan Bisnis Airlangga Vol. 35 No. 1 (2025): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V35I12025.166-183

Abstract

Introduction: This study aims to analyze the relationship between economy, fishermen, inclusion, nature, empowerment, ecology, and local variables in the context of natural tourism development in Gosari Village, Ujungpangkah District, Gresik Regency, part of the minapolitan zone. Understanding these variables’ effects is essential for improving the sustainability and operational efficiency of Gosari Village as a tourism destination. Methods: A quantitative approach was employed through questionnaires administered to 106 respondents from various stakeholders, including Village-Owned Enterprises (BUMDes), POKDARWIS, MSMEs, and government entities. The collected data were processed using PLS 4.0. Additionally, a phenomenological study using in-depth interviews was conducted to capture the social experiences of fishing communities in Gosari Village. This dual approach provided a comprehensive understanding of the area’s tourism development dynamics. Results: The results show that fishermen significantly influence inclusion, ecology, and economy, but not empowerment. Nature is found to have a significant effect on empowerment and ecology, but not on inclusion and economy. Local variables have a significant influence on empowerment, ecology, and economy, but not on inclusion. Conclusion and suggestion: This study highlights the significant roles of fishermen, nature, and local variables in the development of natural tourism in Gosari Village, with varying impacts on inclusion, ecology, empowerment, and the economy. To enhance sustainability and operational efficiency, it is recommended to focus on digital marketing, human resource development, diversification of funding sources, the application of technology, and local empowerment policies. Additionally, the ENIAPEL Bottom Line Model is proposed as a strategy to maintain a balance between environmental, social, and economic aspects for sustainable tourism growth in the village.
Sustainable tourism marketing strategy using the EFINEEL model in coastal communities Cempena, Ida Bagus; Ratnawati, Tri; Sitohang, Arga Christian
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 14 No 1 (2025): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v14i1.2390

Abstract

Purpose – Sustainable tourism holds significant potential for enhancing the economic welfare of coastal communities; however, marketing strategies in Minapolitan areas, such as Gosari village Gresik, remain suboptimal, particularly in integrating social and environmental aspects. This study examines the effectiveness of the EFINEEL bottom line model, encompassing seven key dimensions: economy, fishermen, social inclusion, nature, community empowerment, ecology, and local involvement. Method – This study uses a quantitative approach with partial least squares-structural equation modeling (PLS-SEM) and 106 purposively selected respondents. Findings – The findings show that local involvement strongly influences social inclusion, while community empowerment drives economic welfare, with ecological sustainability also positively impacting the outcomes. The EFINEEL model proves effective in formulating practical, sustainable tourism strategies that integrate economic, social, and environmental dimensions. Implications – Theoretically, this study advances sustainable tourism theory by combining the triple bottom-line framework with grassroots-based governance. It demonstrates that community-driven approaches, placing local agencies at the center, lead to more effective sustainable theoretical outcomes, emphasizing the importance of participatory models for destination development in underrepresented rural and coastal areas. This research challenges traditional top-down models and advocates for inclusive, locally rooted governance to achieve long-term sustainability.
Studi Literatur : Audit Aset Biologis Mediana, Anastasya Mechta; Mandag, Herny Ria; Ratnawati, Tri
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22812

Abstract

Penelitian ini bertujuan untuk mengevaluasi praktik pengendalian internal dan audit aset biologis pada perusahaan pertanian di Indonesia. Penelitian ini menggunakan metode tinjauan literature dan wawancara untuk mengumpulkan data. Penelitian ini juga memberikan rekomendasi seperti : mengembangkan panduan spesifik yang lebih rinci untuk mengatur pengukuran, pengungkapan, dan audit aset biologis. meningkatkan investasi dalam teknologi canggih seperti drone, sensor, dan sistem informasi geografis untuk membantu pengukuran dan pemantauan aset biologis. mengadakan program pelatihan khusus untuk auditor yang berfokus pada audit aset biologis. mendorong kolaborasi antara auditor, manajemen perusahaan, ahli biologi, dan agronomis. meningkatkan regulasi dan pengawasan terhadap pelaporan dan audit aset biologis, Penelitian ini diharapkan dapat memberikan kontribusi untuk meningkatkan kualitas pelaporan keuangan dan transparansi informasi terkait aset biologis pada perusahaan pertanian di Indonesia
Internal Audit Coso Frame Work untuk Mendeteksi Risiko Terjadinya Fraud pada Bagian Operasional di CV Dwi Bahari Trans Surabaya (Periode 2022-2024) Islamiyah, Fitria Ayu; Ratnawati, Tri
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23402

Abstract

Penelitian ini bertujuan untuk mengeksplorasi peran audit internal dengan menggunakan Kerangka COSO dalam mendeteksi risiko terjadinya fraud di bagian operasional CV Dwi Bahari Trans Surabaya. Dengan menerapkan pendekatan studi kasus tunggal, data dikumpulkan melalui wawancara mendalam dengan internal auditor, manajer operasional, dan staf terkait, serta melalui observasi partisipatif dan analisis dokumen internal. Analisis data dilakukan menggunakan pendekatan analisis tematik untuk mengidentifikasi faktor-faktor yang mempengaruhi implementasi COSO Framework dan efektivitasnya dalam mengelola risiko fraud.Hasil penelitian menunjukkan bahwa implementasi COSO Framework secara positif mempengaruhi proses pengendalian internal di CV Dwi Bahari Trans Surabaya. Komponen-komponen COSO, seperti lingkungan pengendalian, penilaian risiko, kegiatan pengendalian, informasi dan komunikasi, serta pemantauan aktivitas, terbukti penting dalam meningkatkan kesadaran akan risiko dan pengelolaannya. Meskipun demikian, tantangan yang dihadapi termasuk keterbatasan sumber daya internal untuk implementasi yang efektif serta perluasan penggunaan audit digital untuk meningkatkan efisiensi dan akurasi. Penelitian ini memberikan kontribusi teoritis dengan memperluas pemahaman tentang implementasi COSO Framework dalam konteks industri jasa, khususnya pada perusahaan transportasi laut. Secara praktis, hasil penelitian ini dapat digunakan sebagai referensi bagi manajemen CV Dwi Bahari Trans Surabaya dalam meningkatkan pengawasan internal dan mengurangi potensi risiko fraud di masa depan
Pemberdayaaan Masyarakat Kampung Lengkong dalam Memanfaatkan Lahan Pekarangan dengan Bertanam Tanaman Sayuran Menggunakan Vitamin B1 Nurhasanah, Nurhasanah; Harijati, Sri; Hamzah, A. Hadian Pratama; Sulistyo, Sulistyo; Ratnawati, Tri
Journal Of Human And Education (JAHE) Vol. 4 No. 4 (2024): Journal Of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i4.1226

Abstract

Kampung Lengkong terletak di Kabupaten Bogor, dihuni oleh masyarakat yang umumnya memiliki lahan pekarangan yang cukup luas, berpenghasilan rendah, dengan perkerjaan ibu-ibu sebagai ibu rumah tangga. Oleh karenanya, tempat ini layak dijadikan tempat PkM dengan program Pemanfaatan Lahan Pekarangan untuk Bercocok tanaman sayuran menggunakan vitamin B1. Tujuan dari kegiatan ini agar masyarakat di tempat ini dapat memproduksi pangan sayuran untuk dikonsumsinya sehingga dapat meminimalkan pengeluaran, sekaligus meningkatkan kesehatannya. Kegiatan PkM ini dilaksanakan tanggal 18 November 2023 dihadiri oleh 36 peserta. Kegiatan ini dilakukan dalam beberapa tahapan kegiatan, yakni: pembukaan, penjelasan tentang vitamin B1, pengisian kuesioner, quiz, pemberian bahan dan alat, dan foto bersama. Hasil kegiatan ini menunjukkan peserta merasa senang karena mendapatkan pengetahuan dan keterampilan bercocok tanam sayuran di pekarangannya menggunakan vitamin B1 cair sehingga mereka dapat langsung mempraktekkanya sendiri setelah kegiatan PkM ini selesai. Peserta akan menggunakan vitamin B1 atau tidak di masa mendatang tergantung hasil dari tanaman yang ditanam menggunakan vitamin B1 sesuai yang diajarkan tim PkM UT.
PENGARUH MODAL, PENGALAMAN USAHA, STRATEGI PROMOSI DAN PENDIDIKAN TERHADAP KEUNTUNGAN PELAKU UMKM FASHION PADA MARKETPLACE ONLINE DI KABUPATEN PASURUAN Aldi, Muhammad Fauzan; Maulana, Adam; Ratnawati, Tri; Hwihanus
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 1 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i1.692

Abstract

The Industrial Revolution 4.0 has had a major impact on the economic sector. The Internet is one of the factors in technological progress that has caused disruption in the trading sector where trading has shifted from offline to online. This research aims to analyze the effects of capital, business experience, promotional strategies and education on the advantages of SME fashion in online marketplaces in Pasuruan Regency. The population in this study is fashion SMEs in Pasuruan Regency who sell on the online marketplaces Tokopedia, Bukalapak, Shopee, Lazada and Blibli.com with a total sample of 96 respondents taken by accidental sampling and analyzed using multiple linear regression (OLS). The independent variables are capital, business experience, promotional strategies, and education, while the dependent variable in this research is the profits of fashion SMEs. The research results show that the capital variable has a positive and significant effect with a coefficient of 1.80 and a probability value of 0.00, promotion strategies have a positive and significant effect with a coefficient of 77.16 and a probability value of 0.00 and education has a positive and significant effect on profits. fashion UKM practitioners with a coefficient value of 27.3 and a probability value of 0.00. Meanwhile, the business experience variable does not affect the profits of fashion MSME entrepreneurs who sell on online marketplaces.
The strategy of tourism village development in the hinterland Mount Bromo, East Java Mujanah, Siti; Ratnawati, Tri; Andayani, Sri
Journal of Economics, Business, and Accountancy Ventura Vol. 18 No. 1 (2015): April - July 2015
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v18i1.385

Abstract

This study aims to find an effective strategy in the development of Hinterland Tourism Village in Mount Bromo area. It is a descriptive explanatory research to build a model of grand design for rural tourism development. It took three tourism villages around Bromo Mountain and the data were collected by survey or interviews on both local and interna-tional tourists and by cross checking among the interviews on rural principles for the data validity and reliability. The data were analyzed using SWOT analysis to determine the strategy and Analytical Hierarchy Process (AHP) to determine the ranking of objects and tourist attractions/obyek dan daya tarik wisata (ODTW). The results of SWOT analysis was based on the weight and value scores of respondents indicating that the development of rural tourism was scored in the first quadrant for a strategy to optimize the strengths and opportunities. It shows that the AHP Wonokitri village has the highest number, the second is Ngadisari, and third village is Ngadas. The model of strategy of rural tourism can be developed when the program are supported optimally by the com-munity and the government such as the Center Government for Taman Nasional Bromo, Tengger, Semeru (TNBTS), Department of Tourism, Public Works (PU), Cooperation, and Society Empowerment Department, while also support by private sectors, SMEs and local investors and also education institutions.
The Effect of Financial Inclusion, Literacy and Fintech on Small Business Profitability with Financial Behavior as an Intervening Variable and Financial Quotient as Moderating Variable in Ponorogo Ervina, Ervina; Ratnawati, Tri; Brahmayanti, Ida Ayu Sri
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.736

Abstract

This research is focused on small businesses, as the growth of small businesses is a source of economic income in the Ponorogo City sub-district. The sales profit generated by small businesses each month is still relatively small and often decreases. These conditions reflect that the ability to generate profits in small businesses has not shown an increase in sales profit. This study aims to analyze the effect of financial inclusion, financial literacy, and fintech on small business profitability, with financial behavior as an intervening variable and financial quotient as a moderating variable, in the Ponorogo City District. The study sample consisted of 112 small businesses in the Ponorogo City District. The study employed the Smart Partial Least Square (PLS) method with an outer model and inner model test analysis. The results of this study indicate that financial inclusion has a significant effect on profitability, financial inclusion has a significant effect on financial behavior, financial literacy has a significant effect on profitability, financial literacy has no significant effect on financial behavior, fintech has no significant effect on profitability, fintech has a significant effect on financial behavior, financial behavior has a significant effect on profitability, and financial quotient cannot moderate the effect of financial inclusion on profitability. The moderating effect of financial quotient on the relationship between financial inclusion and financial behavior, financial inclusion and profitability, financial literacy and financial behavior, financial literacy and profitability, and fintech and profitability was not significant.
The Influence of Macroeconomic Fundamentals, Decisions Investment, And Capital on Stock Returns with Risk Profile and Earning as Intervening Variables and Good Corporate Governance as a Variable Moderation (Study of Banking Companies in Indonesia) Wijaya, Andjar Eka; Ratnawati, Tri; Pristiana, Ulfi
International Journal of Economics (IJEC) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i1.737

Abstract

This study aims to analyze the influence of macroeconomic indicators, investment decisions, capital, risk profile, earnings, and corporate governance on stock returns in banking companies in Indonesia using the SEM-PLS method. The research results show that macroeconomic indicators (inflation, exchange rate, and interest rate) do not significantly affect stock returns either through risk profile or earnings. But if the macroeconomic variables are tested without mediation variables and directly on stock returns, they have a significant impact.In addition, investment decision indicators (current asset ratio and total asset growth), capital indicators (capital adequacy ratio and debt equity ratio), as well as risk profile indicators (non-performing loan and loan deposit ratio) also do not have a significant impact on stock returns. Similarly, the earning indicators (ROA, ROE, and NIM) and good corporate governance (board of directors and number of commissioners) do not show a significant influence on stock returns. These findings indicate that external factors and other variables are more dominant in influencing stock returns in banking companies in Indonesia.
Co-Authors - Hwihanus Achmad Maqsudi, Achmad Adam Maulana Adiati Trihastuti, Adiati Agtovia Frimayasa, Agtovia Aldi, Muhammad Fauzan Amanda, Dian Amelia Kusniawati, Amelia Amiartuti Kusmaningtyas Anika, Refi Tri Aprilianto, Deni Binar Dwiyanto Pamungkas, Binar Dwiyanto Boquifai, Petronela M. Brahmayanti, I.A. Sri brahmayanti, Ida Ayu Sri Dantje Salean, Dantje Ervina Ervina Fitriyah, Rif'atul Gede, I Komang Hakim Muttaqim Hamzah, A. Hadian Pratama Hariyani, Diyah Santi Henny Mahmudah, Henny Hwihanus I Nyoman Lokajaya, I Nyoman Ida Bagus Cempena, Ida Bagus Ikbar Luqyana Indrawati Yuhertiana Islamiyah, Fitria Ayu kartika, ika saridewi Kartikasari, Linda Khairunnisah, Noni Antika Kurniawan, Sindu Bagas Kurniawati, Dinda Dwi Listyaningsih, Emilia Desi Lokajaya, Nyoman Magalhaes, Cancio Andika Irawan Maia, Fonseca De Jesus malik, tajuddin Mandag, Herny Ria Mardiono, Viona Eka Putri Marwanto, Ontot Masfa’ani, Rikhza Mediana, Anastasya Mechta Melania, Melania Nanlohy, Yehezkiel Benaya Nekky Rahmiyati Nugroho, Mulyanto Nurhalyza, Tasya Nurhasanah Nurhasanah Nuryani, Anik Oktaviyanto, Nanda Pardede, Esther Tioma Nauly Pradhani, Tri Buana Wira Pribadi, Fancholik Joko Putra, Surya Jaya Purnama Putu Suardana, I Gede Rachmadani, Adelia Putri Rahayu, Cindy Septiana rahmawati, Debby Yusriliana Rodhiyah Rodhiyah Sahrul, M Santi, Dyan Evita Sariah Sariah Sawal Sartono, Sawal Septian, Michael Revelin Ervan Setyono, Vicky Indarto Sholiqah, Suci Nurlayli Alimatu Siti Mujanah Sitohang, Arga Christian Sobri, Mohamad Aulia soebrati, ni wayan Sri Andayani Sri Andayani Sri Hadijono, Sri Sri Harijati, Sri Sulistyo Sulistyo Sumirat, Esti Sutirman Sutirman tandi, asrin Ulfi Pristiana Warella, Veren Wendy Widi Hidayat Widodo Sarjana AS, Widodo Wijaya, Andjar Eka Ximenes, Elias