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All Journal LAW REFORM Diponegoro Law Journal JEJAK YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Kinerja: Jurnal Ekonomi dan Manajemen Humani (Hukum dan Masyarakat Madani) Journal of Economic, Management, Accounting and Technology (JEMATech) Surya Abdimas Jurnal Jatiswara SULTANIST: Jurnal Manajemen dan Keuangan BISECER (Business Economic Entrepreneurship) JURNAL PEMBANGUNAN HUKUM INDONESIA JURNAL USM LAW REVIEW Jurnal Akuntansi dan Bisnis Krisnadwipayana Nusantara Science and Technology Proceedings Journal of Social Responsibility Projects by Higher Education Forum Jurnal Ekonomi dan Industri Fakultas Ekonomi Universitas Krisnadwipayana Wasana Nyata Journal Of Business, Finance, and Economics (JBFE) Pancasila: Jurnal Keindonesiaan Jurnal Kesehatan Kusuma Husada JAKA (Jurnal Akuntansi, Keuangan dan Auditing) JICS : Journal Of International Community Service Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Ratna Herawati
Universitas Dian Nuswantoro
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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MAWAR (Melawan Rentenir): Integrated MSMEs Financial Inclusion Strategy In Sharia-Based Chasanah, Amalia Nur; Herawati, Ratna; Budiantoro, Risanda Alirasta; Sukono Putro, Febrianur Ibnu Fitroh
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 14, No 1 (2021): March 2021
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v14i1.24850

Abstract

Allah has provided Islam as life guidance to be used in taking and undergoing all life aspects, including of the management and business financing. In the perspective of Islamic finance, financing venture capital through moneylenders will makes the borrower in difficult situation. This research aims to analyze the integrated financial inclusion strategy in sharia-based MSMEs financing in the Semarang City with the MAWAR Program. Mawar program is a funding assistance program for potential micro small and  medium entrepreneurs based on sharia with Murabahah by collaborating through memorandum of understanding with several other agencies, such as Sharia People Financing banks, Semarang City Amil Zakat Agency, Semarang Syariah Economic Community, Semarang City Cooperatives and Micro Enterprises Agency, telecommunications companies, branchless banking agents and financial technology institutions. The benefit obtained can provide scientific contributions to the empowerment management and can be developed into a study material for long-term planning programs by the Semarang City Government in empowering micro, small and medium enterprises so they can be competitive, independent, prosperous, and cultured based on religiosity values. The approach method used qualitative research with analytical tools is the business model canvas. Data collection method used observation, interviews, and literature study. The results of this research are with the MAWAR Program, the Semarang City Government does not charge any additional costs to the borrowers (MSMEs). The legal basis of this program is based on a memorandum of understanding between the stakeholders involved and Islamic sharia
Study on Online Purchase Decisions on The Online Shopee Selling Site Herawati, Ratna; Chasanah, Amalia Nur; Perdana, Tito Aditya; Wardhani, Masitha Fahmi
Nusantara Science and Technology Proceedings 3rd Economics, Business, and Government Challenges 2020
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/nstp.2021.1303

Abstract

The state of the environment for consumers to get information, namely electronic word of mouth and the promotional mix will affect consumer decision-making when shopping. This study aims to determine the effect of promotional mix variables and electronic word of mouth on purchasing decisions on the online buying and selling site Shopee. Promotion mix variables used are advertising and sales promotion. The sample used in this study were Semarang residents who had shopped on the Shopee online buying and selling site with a sample size of 100. The data analysis technique used was multiple regression with the classical assumptions of multicollinearity, autocorrelation, heteroscedasticity, and normality. The results showed that the variables of advertising, sales promotion, electronic word of mouth had a significant positive effect on online purchasing decisions. The adjusted r square value is 0.496, which means that the variables of advertising, sales promotion, and electronic word of mouth can explain online purchasing decisions by 49.6%. In contrast, the rest is explained by other variables, not in this study.
Mawar (Melawan Rentenir): Integrated Msme’s Financial Inclusion Strategy in Sharia-Based Chasanah, Amalia Nur; Budiantoro, Risanda Alirastra; Putra, Febrianur Ibnu Fitroh Sukono; Herawati, Ratna
Nusantara Science and Technology Proceedings 3rd Economics, Business, and Government Challenges 2020
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/nstp.2021.1306

Abstract

Allah has provided Islam as life guidance to be used in taking and undergoing all life aspects, including management and business financing. In the perspective of Islamic finance, financing venture capital through moneylenders will make the borrower in a difficult situation. This research aims to analyze the integrated financial inclusion strategy in sharia-based MSME's financing in the Semarang City with the MAWAR Program. Mawar program is a funding assistance program for potential micro small and medium entrepreneurs based on sharia with Murabahah by collaborating through a memorandum of understanding with several other agencies, such as Sharia People Financing banks, Semarang City Amil Zakat Agency, Semarang Syariah Economic Community, Semarang City Cooperatives and Micro Enterprises Agency, telecommunications companies, branchless banking agents and financial technology institutions. The benefit obtained can provide scientific contributions to empowerment management and can be developed into a study material for long-term planning programs by the Semarang City Government in empowering micro, small and medium enterprises so they can be competitive, independent, prosperous, and cultured based on religiosity values. The approach method used qualitative research with analytical tools is the business model canvas. Data collection method used observation, interviews, and literature study. The results of this research are with the MAWAR Program, the Semarang City Government does not charge any additional costs to the borrowers (MSME's). The legal basis of this program is based on a memorandum of understanding between the stakeholders involved and Islamic sharia.
STOCHASTIC FRONTIER ANALYSIS (SFA): PENGUKURAN EFISIENSI DIREKTORAT JENDERAL PAJAK (DJP) DALAM PENGELOLAAN DANA PAJAK Ratna Herawati; Risanda A. Budiantoro; Amalia Nur Chasanah
Jurnal Akuntansi dan Bisnis Krisnadwipayana Vol 8, No 1 (2021): Jurnal Akuntansi dan Bisnis Krisnadwipayana
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/jabk.v8i1.469

Abstract

This study aims to measure technical efficiency and identify factors that affect efficiency of Direktorat Jenderal Pajak (DJP) (consists of 33 DJP’s Regional Offices and one DJP’s Head Office) in managing tax funds on receipt. Data that we use are time unbalanced panel data from 2012 until 2019. The input variables used are total assets and operational costs, while the output variables are the receipt of pajak funds. Using stochastic frontier analysis, this study has successfully identified that total assets and operational costs had a a positive and significant effect on receipt of pajak funds. Overall, technical efficiency in receipt of pajak funds of DJP are found to be 86,63 percent, which means there are about 13,36 percent that can still be optimized.Keywords : Direktorat Jenderal Pajak (DJP), Stochastic Frontier Analysis, Technical Efficiency
Faktor-faktor yang mempengaruhi kebijakan hutang dan nilai perusahaan pada perusahaan food and beverages 2017-2019 Amalia Nur Chasanah; Ratna Herawati; Risanda Alirastra Budiantoro
KINERJA Vol 18, No 2 (2021)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29264/jkin.v18i2.9234

Abstract

Keberhasilan suatu manajemen dilihat dari kemakmuran perusahaan yang dicerminkan oleh nilai perusahaan. Penelitian ini bertujuan untuk mengetahui factor-faktor yang mempengaruhi kebijakan hutang dan nilai perusahaan. Sampel yang digunakan adalah perusahaan food and beverages yang terdaftar di Bursa Efek Indonesia 2017-2019 sebanyak 23 perusahaan. Penelitian ini menggunakan regresi berganda dengan asumsi klasik multikolinearitas, autokorelasi, heteroskedastisitas dan normalitas. Hasil penelitian menunjukkan bahwa variabel ROE berpengaruh terhadap DER secara signifikan, dan berpengaruh terhadap PBV secara signifikan. Sedangkan pertumbuhan tidak berpengaruh terhadap DER maupun terhadap PBV secara signifikan. Variabel DER tidak berpengaruh terhadap PBV secara signifikan. Koefisien determinasi yang ditunjukkan dengan adjusted r square memiliki nilai sebesar 0,120 pada persamaan 1 yang berarti bahwa pertumbuhan dan ROE dapat menjelaskan DER sebesar 12% namun selebihnya dijelaskan oleh variabel lain diluar penelitian ini. Sedangkan pada persamaan 2 nilai adjusted r square sebesar 0,200 yang berarti bahwa variabel pertumbuhan, ROE dan DER mampu menjelaskan PBV sebesar 20% sedangkan sisanya dijelaskan oleh variabel lain diluar penelitian ini.
PENGARUH FAKTOR – FAKTOR DALAM PERSPEKTIF FRAUD TRIANGLE TERHADAP KECURANGAN PELAPORAN KEUANGAN (Studi Empiris pada Perusahaan yang Terdaftar di Bursa Efek Indonesia Tahun 2016 – 2019) Ratna Herawati; Amalia Nur Chasanah; Masitha Fahmi Wardani; Risanda Alirastra Budiantoro
BISECER (Business Economic Entrepreneurship) Vol 5, No 1 (2022): Januari 2022
Publisher : Universitas Darul Ulum Islamic Centre Sudirman GUPPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61689/bisecer.v5i1.294

Abstract

This study empirically examines the effectiveness of Cressey’s (1953) fraud risk factor framework adopted in SAS No. 99 in detection of financial statement fraud. According to Cressey’s theory pressure, opportunity and rationalization are always present in fraud situations. The variables of the fraud triangle used is pressure proxied by ACHANGE, FREEC, and FINANCE, opportunity proxied by BDOUT, TRN, and CEO_TRN, rationalization proxied by AUDSWITCH. This population of study was company listed on the Stock Exchange, and then the samples were taken by purposive sampling criteria the company’s corporate criteria sanctioned from Otoritas Jasa Keuangan. The total sample of 106 companies that the company is comprised of 49 companies that commit fraud financial reporting and 57 companies that are not financial reporting fraud by the similarity of firms in the industry, the year and the amount of total assets of the company. This study uses logistic regression statistical. The results of this study indicate that the opportunities proxied by TRN and CEO_TRN, rationalization proxied by AUDSWITCH effect on financial statement fraud and pressure are proxied by ACHANGE, FREEC, FINANCE and opportunities proxied by BDOUT no effect on financial statement fraud.
Gerakan Pengenalan Literasi Keuangan Pada Anak Usia Dini (PAUD) di RA Terpadu Al-Qolam Semarang Amalia Nur Chasanah; Diana Puspitasari; Masitha Fahmi Wardhani; Ratna Herawati; Risanda Alirastra Budiantoro
Surya Abdimas Vol. 6 No. 3 (2022)
Publisher : Universitas Muhammadiyah Purworejo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/abdimas.v6i3.1862

Abstract

Pendidikan literasi keuangan sejak dini sudah seharusnya dilakukan baik secara teori atau praktek. Anak-anak, khususnya yang berada di usia 0 hingga 6 tahun dikenal dengan masa ke-emas-an, sehingga jika diberikan pemahaman mengenai literasi keuangan, akan benar-benar terinternalisasi pada pola fikir dan termanifestasi pada perilaku anak sehari-hari secara sederhana. Namun saat ini masih ditemukan beberapa kendala dalam mengenalkan literasi keuangan sejak dini yang belum masuk pada kurikulum nasional. Selain itu, pelaksanaan pendidikan nasional masih berupa pemahaman teori sehingga penguasaan literasi keuangan pada anak sejak dini menjadi kurang komprehensif. Salah satu solusinya dengen memberikan pengetahuan dan keterampilan secara teori dan praktek dari literasi keuangan sejak dini khususnya di RA Terpadu Al-Qolam Semarang. Metode pendekatan yang dilakukan dalam program kemitraan masyarakat ini berupa pemberian ceramah, pemutaran video, praktek kegiatan jual beli dan praktek kegiatan menabung dalam celengan yang diberikan. Harapannya dapat menambahkan penguasaan pengetahuan dan keterampilan secara teori dan praktek dari literasi keuangan sejak dini dan penanaman karakter siswa khususnya di RA Terpadu Al-Qolam Semarang dalam literasi keuangan
STUDI TENTANG KEPUTUSAN PEMBELIAN PADA SITUS JUAL BELI DARING SHOPEE Ratna Herawati; Amalia Nur Chasanah; Tito Aditya Perdana; Masitha Fahmi Wardhani
Jurnal Ekonomi dan Industri Vol 23, No 3 (2022): JURNAL EKONOMI DAN INDUSTRI
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/jei.v23i3.826

Abstract

This study aims to determine the effect of promotional mix variables and electronic word of mouth on purchasing decisions on the online buying and selling site Shopee. Promotion mix variables used are advertising and sales promotion. The sample used in this study were Semarang residents who had shopped on the Shopee online buying and selling site. The data analysis technique used was multiple regression with the classical assumptions of multicollinearity, autocorrelation, heteroscedasticity and normality. The results showed that the variables of advertising, sales promotion, electronic word of mouth had a significant positive effect on online purchasing decisions.
Optimalisasi Kampung Wisata Kreatif Inovatif Melalui Pemasaran Digital di Kampung Wisata River Tubing Mayangsari Semarang Masitha Fahmi Wardhani; Diana Puspitasari; Amalia Nur Chasanah; Linda Ayu Oktoriza; Ratna Herawati
Journal of Social Responsibility Projects by Higher Education Forum Vol 3 No 2 (2022): November 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (306.755 KB) | DOI: 10.47065/jrespro.v3i2.2845

Abstract

The Mayangsari River Tubing Tourist Village, Semarang is one of the new tours in the city of Semarang, initiated since 2018 by a number of people who are members of the Mayangsari Putra Disaster Preparedness Group (KSB Puma) and the Mayangsari Tourism Awareness Group (Pokdarwis Mayangsari). Starting to only serve the requests of people who are still within the scope of their community or have not yet served the general public, the Culture and Tourism Office of the City of Semarang provides an idea for the development of Mayangsari River Tourism by raising the potential for river tubing attractions, river educational attractions, and culinary tourism attractions. With the progress of the development of the River Tubing tourist village, Mayangsari, which became a finalist for the 2022 great village competition in the category of creative and innovative villages, there were still a number of things that needed to be improved during the investigation stage, namely optimizing digital marketing in making the River Tubing tourist village one of the leading tours. and an independent tourism community that is able to creatively manage the existing innovative potential. Therefore as a solution by providing knowledge and skills in theory and practice of digital marketing in the community of the River Tubing Mayangsari tourism village. The approach method used in this community partnership program is in the form of giving practical lectures in examples of forms of digital marketing that the public can reach and use. It is hoped that the results of this service will be able to add to the mastery of knowledge and skills in theory and practice of digital marketing in the community of the River Tubing Mayangsari tourism village. This addition of knowledge and skills goes hand in hand with the increasing number of tourists who come.
PENGARUH UKURAN PERUSAHAAN, PROFITABILITAS, LEVERAGE DAN PERTUMBUHAN PENJUALAN TERHADAP PENGHINDARAN PAJAK Faricha Aulia Ananda; Ratna Herawati; Almira Santi Samasta
JAKA (Jurnal Akuntansi, Keuangan, dan Auditing) Vol 4, No 1 (2023): JAKA (Jurnal Akuntansi, Keuangan, dan Auditing)
Publisher : Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56696/jaka.v4i1.8306

Abstract

This study aims to analyze the effect of size of the company, Profitability, Leverage and Sales Growth on Tax Avoidance. The study population is industial companies listed on the Indonesia Stock Exchange in 2018-2021. Data is taken from the financial statements of selected companies by sampling using a purposive sampling method. Before the data were analyzed, a classic assumption test was carried out consisting of the Data Normality Test, the Heteroscedasticity Test, the Auto Correlation Test and the Multicollinearity Test. Data analysis performed was descriptive statistical analysis, t test (partial) and F test with multiple linear regression. The results showed that size of the company and profitability had a significant effect on tax avoidance.
Co-Authors A. A. A. WULANDIRA SAWITRI DJELANTIK Adilla Kustya Ulfa Ahmad Said Almira Santi Samasta Amalia Diamantina Anggun, Sekar Chasanah, Amalia Nur Dessyana Kardha Dewi Sulistyawati, Dewi Dian Indriana Hapsari Diana Puspitasari Diana Puspitasari Durya, Ngurah Pandji Mertha Agung Dwi Prasetyo Enny Susilowati Mardjono Faricha Aulia Ananda Fifiana Wisnaeni Habsari, Alya Cantika Haji Mohiddin, Mas Nooraini binti Hardjanto, Untung Sri Hartini Haryanto Haryanto Ichsani, Immada Ifandari Ifandari Ira Septriana, Ira Irmaya Fani, Alifiya Zahra Juli Ratnawati Masitha Fahmi Wardani Masitha Fahmi Wardhani Melati Oktafiyani Nindiana Okta Auliya Novanto, Arya Setya Nufus, Ahmad Fahriza Ilun Oktoriza, Linda Ayu Perdana, Tito Aditya Purwantoro Ratna Wardani Resha Fatmawati, Elia Retno Saraswati Risanda Alirastra Budiantoro Setyani, Renny Sulistiani -, Sulistiani Wahyuningsih, Hartati Dyah Widayati Widayati Widianto, Tri Widya Anggraini winanto, winanto Yulia, Yosephine Angelina Yuliana Yuliana Zulqa, Ihdaa