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Ratih Puspitasari
Institut Bisnis dan Informatika Kesatuan
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Pengaruh 5C Dan 7P Dalam Pemberian Kredit Theresia Sasmita; Ratih Puspitasari; Siti Ita Rosita
Jurnal Aplikasi Bisnis Kesatuan Vol 1 No 1 (2021): JABKES Edisi Agustus 2021
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v1i1.562

Abstract

Analisis 5C dan 7P serta analisis kelayakan merupakan analisis yang dipakai oleh lembaga keuangan/bank dalam mengantisipasi terhadap kredit macet termasuk bagi Bank BNI, Tbk dan Bank BRI, Tbk.Analisis 5C dan 7P memiliki persamaan, yaitu apa-apa yang terkandung dalam 5C dirinci lebih lanjut dalam prinsip 7P di samping lebih terinci juga jangkauan analisisnya lebih luas dari 5C. Prinsip analisis kredit dengan 5C itu sendiri terdiri dari :Character, capaciity, capital, collateral, dan condition. Sedangkan prinsip analisis menggunakan 7P ialah: Personality, Party, Purpose, Prospect, Payment, Protability, dan Protection.
Dampak Literasi Dan Inkuisi Keuangan Terhadap Kinerja Pelaku UMKM Di Kota Bogor Ratih Puspitasari; Danti Astrini
Jurnal Ilmiah Manajemen Kesatuan Vol 9 No 2 (2021): JIMKES Edisi Agustus 2021
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v9i2.771

Abstract

Tujuan penelitian ini adalah untuk mengkaji lebih lanjut. (1) Bagaimana pengaruh literasi keuangan terhadap kinerja pelaku UMKM di kota Bogor? (2) Bagaimana pengaruh inklusi keuangan terhadap kinerja pelaku UMKM di kota Bogor? (3) Bagaimana pengaruh literasi keuangan dan inklusi keuangan terhadap kinerja pelaku UMKM di kota Bogor? Metode penelitian yang digunakan dalam penelitian ini adalah metode survey dengan menggunakan kuesioner. Penelitian ini dibatasi hanya pelaku UMKM di kota Bogor yang dilakukan pada bulan November 2020. Data yang digunakan di dalam penelitian ini merupakan data hasil survei terhadap 102 responden. Hasil penelitian menunjukkan bahwa Literasi keuangan berpengaruh terhadapa kinerja UMKM, Inklusi keuangan tidak berpengaruh terhadap kinerja UMKM, Literasi keuangan dan inklusi keuangan secara bersama-sama berpengaruh terhadap kinerja UMKM dan Hasil uji koefisien determinasi (R2) menunjukkan bahwa nilai nilai R2 variabel kinerja UMKM sebesar 0.47 artinya variabel kinerja UMKM sebesar 47% dipengaruhi oleh variabel literasi keuangan dan inklusi keuangan sedangkan sisanya 53% diperngaruhi oleh variabel lain di luar dari model penelitian ini.
Pengaruh Struktur Modal, Keputusan Investasi, Profitabilitas Sebagai Variabel Intervening Terhadap Nilai Perusahaan Tithania Charisma Putri; Ratih Puspitasari
Jurnal Ilmiah Manajemen Kesatuan Vol 10 No 2 (2022): JIMKES Edisi Agustus 2022
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v10i2.1437

Abstract

This study aims to determine the effect of capital structure and investment decisions through profitability on firm value in food and beverage companies on the Indonesia Stock Exchange for the period 2018-2020. The research sample consisted of 10 food and beverage companies listed on the Indonesia Stock Exchange and selected by purposive sampling. The research data is secondary data obtained from the Indonesia Capital Market Directory (ICMD) in 2018-2020. Analysis of the data used is a path analysis technique to see the effect of capital structure and investment decisions through profitability on firm value. The results showed that the capital structure had no effect on profitability; Investment decisions affect profitability; Capital structure has an effect on firm value; Investment decisions have no effect on firm value; Profitability has an effect on firm value; Capital structure, investment decisions, profitability have a simultaneous effect on firm value. Keywords: Capital Structure, Investment Decision, Profitability, Firm Value.
Analisis Perbandingan Kinerja Keuangan PT Bank Syariah Mandiri Dengan Menggunakan Pendekatan Laba Rugi Dan Nilai Tambah Periode Tahun 2016-2020 Nuri Fitriani; Ratih Puspitasari
Jurnal Ilmiah Akuntansi Kesatuan Vol 9 No 2 (2021): JIAKES Edisi Agustus 2021
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v9i2.871

Abstract

The analysis of the financial performance of Islamic banks so far has been carried out only based on the balance sheet and income statements, not using the value added report as recommended by Baydoun and Willet (2000), an expert in Islamic accounting. The purpose of this research is to review the financial performance of Islamic banking by comparing the results of financial performance using the profit and loss approach and those using added value. To obtain accurate evidence regarding differences in the financial performance of Islamic banking when calculated using the profit and loss approach and added value, it is seen from the ratio of ROA, ROE, LBAP, NPM and BOPO. This study took a sample on the financial statements of PT. Bank Syariah Mandiri 2016 to 2020. Keywords: Financial Performance, Income Statement, Value Added Report
Analisis Perbandingan Kinerja Keuangan PT Bank Syariah Mandiri Dengan Menggunakan Pendekatan Laba Rugi Dan Nilai Tambah Periode Tahun 2016-2020 Nuri Fitriani; Ratih Puspitasari
Jurnal Ilmiah Akuntansi Kesatuan Vol. 9 No. 2 (2021): JIAKES Edisi Agustus 2021
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v9i2.871

Abstract

The analysis of the financial performance of Islamic banks so far has been carried out only based on the balance sheet and income statements, not using the value added report as recommended by Baydoun and Willet (2000), an expert in Islamic accounting. The purpose of this research is to review the financial performance of Islamic banking by comparing the results of financial performance using the profit and loss approach and those using added value. To obtain accurate evidence regarding differences in the financial performance of Islamic banking when calculated using the profit and loss approach and added value, it is seen from the ratio of ROA, ROE, LBAP, NPM and BOPO. This study took a sample on the financial statements of PT. Bank Syariah Mandiri 2016 to 2020. Keywords: Financial Performance, Income Statement, Value Added Report
The Effect Of Current Ratio, Debt To Asset Ratio, Net Profit Margin, And Exchange Rate On The Stock Prices Of Oil Companies: Case Study on Petroleum Companies Listed on the Indonesia Stock Exchange for the Period 2019-2024 Yoyon Supriadi; Ludianthara Hendrawan; Aang Munawar; Ratih Puspitasari; Zul Azhar
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 1 (2025): JIMKES Edisi Januari 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i1.3071

Abstract

This study aims to determine whether there is Influence of Current Ratio, Debt to Asset Ratio, Net Profit Margin, and Exchange Rate on the Stock Prices of Sub-Sector Crude Oil Companies Listed on the Indonesia Stock Exchange for the Period of 2019-2024. The sample in this study consists of 13 companies selected based on purposive sampling technique. Using purposive sampling, 10 companies were obtained as samples over a period of 6 years, resulting in a total of 60 data points. The analytical method used in this study is descriptive statistics, using multiple linear regression analysis with the help of SPSS 23 software. The results of this study indicate that the Current Ratio variable affects Stock Prices, Debt to Asset Ratio affects Stock Prices, Net Profit Margin partially does not affect Stock Prices, and Exchange Rate does not affect Stock Prices. Meanwhile, Current Ratio, Debt to Asset Ratio, Net Profit Margin and Exchange Rate simultaneously have a significant effect on Stock Prices. Keywords : Current Ratio, Debt to Asset Ratio, Net Profit Margin, Exchange Rate, Stock Prices
Adoption Of Green Marketing Driven By Sustainable Environmental Initiatives In The Food And Beverage Sector Ratih Puspitasari; Retno Martanti Endah Lestari; Mumuh Mulyana; Mashadi Mashadi
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 2 (2025): JIMKES Edisi Maret 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i2.3128

Abstract

This study explores the adoption of green marketing strategies in the food and beverage industry within Bogor City, Indonesia. Employing a descriptive qualitative method, data were collected through questionnaires distributed to 146 industry managers across six sub-districts. The study evaluates the implementation of the green marketing mix—green product, green price, green place, and green promotion—using a holistic multiple case study design. Findings reveal a strong commitment to environmental sustainability, demonstrated by the use of eco-friendly raw materials, recyclable packaging, and environmentally focused promotional strategies. This research contributes to the existing literature by focusing on a specific industrial sector in a developing country context. It also emphasizes the growing role of consumer awareness in driving sustainable business practices. Keywords: Green Marketing, Sustainable Environmental Efforts, Environmental Impact, food and beverage industry
Pengaruh Kemudahan Sistem, Keamanan Sistem, Dan Tampilan Aplikasi Mobile Banking Terhadap Kepuasan Nasabah Dengan Kualitas Layanan Sebagai Variabel Intervening Adam Eka Firdaus; Ratih Puspitasari
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 2 (2026): JABKES Edisi Agustus 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i2.5323

Abstract

In the era of banking digitalization, mobile banking services have become the spearhead in maintaining customer loyalty. This study aims to analyze the influence of system ease of use, system security, and application interface on customer satisfaction, while examining the role of service quality as an intervening variable among BCA Mobile users in Bogor City. This study employs a quantitative approach with a sample of 110 respondents selected through a purposive sampling technique. Data analysis was conducted using Structural Equation Modeling (SEM-PLS) via SmartPLS 4. The research results indicate that system ease of use and system security have a positive and significant direct influence on customer satisfaction. However, application interface does not have a significant influence on customer satisfaction. Furthermore, service quality is not proven to function as an intervening variable in this model. An R-Square value of 0.779 indicates that the independent variables explain 77.9% of the variation in customer satisfaction. These findings emphasize that customer satisfaction is more dominantly influenced by functional aspects and technical security rather than aesthetic elements or service quality intermediaries
Pengaruh Penjualan Online dan QRIS terhadap Pendapatan UMKM dengan Literasi Keuangan sebagai Variabel Mediasi: Studi pada UMKM Kuliner di Bogor Tengah Ladisa Triana Putri; Ratih Puspitasari; Rachmawaty Rachman
Jurnal Aplikasi Bisnis Kesatuan Vol. 6 No. 2 (2026): JABKES Edisi Agustus 2026
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v6i2.5541

Abstract

UMKM kuliner di Kecamatan Bogor Tengah, Kota Bogor memiliki potensi ekonomi yang tinggi karena berada di kawasan wisata Surya Kencana, namun pendapatan sebagian pelaku usaha masih belum optimal meskipun telah mengadopsi digitalisasi melalui penjualan online (GoFood dan GrabFood) serta sistem pembayaran QRIS. Permasalahan utama terletak pada pemanfaatan teknologi digital yang belum maksimal dan tingkat literasi keuangan yang masih berada pada kategori sedang. Penelitian ini bertujuan untuk menganalisis pengaruh penjualan online dan penggunaan QRIS terhadap pendapatan UMKM kuliner, serta menguji peran literasi keuangan sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif asosiatif (explanatory research) dengan data primer yang diperoleh melalui kuesioner dan observasi langsung terhadap 100 pemilik atau pengelola UMKM kuliner yang dipilih secara purposive. Analisis data dilakukan menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) melalui aplikasi SmartPLS, meliputi uji validitas dan reliabilitas, koefisien determinasi (R²), Goodness of Fit (Gof Index), uji signifikansi jalur, serta uji mediasi. Hasil penelitian menunjukkan bahwa penjualan online, adopsi QRIS, dan literasi keuangan berpengaruh positif dan signifikan terhadap pendapatan UMKM kuliner, dengan literasi keuangan sebagai faktor paling dominan, sementara penjualan online dan QRIS berperan sebagai faktor pendukung dengan pengaruh sedang. Selain itu, literasi keuangan terbukti memediasi secara parsial pengaruh penjualan online dan QRIS terhadap pendapatan UMKM, yang menegaskan bahwa transformasi digital tidak akan memberikan hasil optimal tanpa didukung kemampuan pengelolaan keuangan yang memadai, sehingga peningkatan literasi keuangan menjadi kunci utama dalam mempertahankan dan mengoptimalkan dampak digitalisasi terhadap pendapatan UMKM. Kata kunci: Literasi Keuangan, Pendapatan UMKM, Penjualan Online, QRIS, Transformasi Digital, UMKM Kuliner.
Co-Authors Aan Soelehan Aang Munawar Adam Eka Firdaus Ariqoh Salma Arandhea Bambang Hengky Rainanto Danti Astrini Dewi Hikmawati Ladisa Triana Putri Ludianthara Hendrawan Mashadi Mashadi Mumuh Mulyana Nani Cahyani Nuri Fitriani Rachmawaty Rachman Retno Martanti Endah Lestari Rini Syarif Siti Ita Rosita Theresia Sasmita Tithania Charisma Putri Yoyon Supriadi Yoyon Supriadi Zul Azhar