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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Abdimas Sangkabira ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship
Siti Aisyah Hidayati
university of Mataram
Humanities Economics, Econometrics & Finance Education Social Sciences

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PENINGKATAN NILAI EKONOMI HASIL PERKEBUNAN (PISANG) MENJADI PRODUK OLAHAN (PERMEN JELLY) UNTUK MENINGKATKAN PENDAPATAN MASYARAKAT DI DESA KOTARAJA KECAMATAN SIKUR LOMBOK TIMUR Siti Aisyah Hidayati; Sri Wahyulina; Embun Suryani; Gusti Ayu Sri Oktariyani
Jurnal Abdimas Sangkabira Vol. 2 No. 1 (2021): Jurnal Abdimas Sangkabira, Desember 2021
Publisher : Program Studi Diploma III Akuntansi Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdimassangkabira.v2i1.70

Abstract

Pisang merupakan komoditas hortikultura (buah) yang dapat dimakan langsung atau diolah. Namun tentunya pengkonsumsian pisang secara langsung ataupun diolah memiliki kelebihan masing-masing. Di Desa Kotaraja masih banyak mengkonsumsi pisang dalam keadaan segar ataupun pengolahan yang masih sederhana seperti direbus dan digoreng.  Sehingga perlu adanya upaya diversifikasi dan peningkatan nilai ekonomi pangan olahan berbahan baku pisang menjadi produk olahan, salah satunya yaitu permen Jelly. Metode pelaksanaan dilakukan dengan sosialisasi dan praktik pembuatan permen jelly. Sosialisasi pembuatan permen jelly dari  pisang dilakukan dihadapan ibu-ibu rumah tangga di Desa Tetebatu Selatan. Kegiatan sosialisasi ini memberikan penjelasan tentang peningkatan nilai ekonomi pisang. Untuk dapat meningkatkan nilai ekonomi harus dilakukan diversifikasi produk berbahan dasar pisang. Setelah dilakukannya sosialiasi, dilanjutkan dengan praktik pembuatan permen jelly. Praktik ini dimulai dengan menjelaskan bahan dan peralatan yang digunakan sampai dengan proses pembuatan permen jelly. Dengan adanya kegiatan ini diharapkan ibu-ibu rumah tangga dapat memproduksi permen jelly dari buah pisang untuk dijual sehingga dapat meningkatkan pendapatan masyarakat terutama bagi ibu-ibu  rumah tangga yang ada di Desa Kotaraja Kecamatan Sikur Lombok Timur.
Analisis Perbandingan Kinerja Keuangan Bank Umum Konvensional Dengan Bank Umum Syariah di Indonesia Menggunakan Metode RGEC Periode 2018-2022 Putri Awaliana Ramdan; Lalu Hamdani Husnan; Siti Aisyah Hidayati
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 4 No. 2 (2023): September
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v4i2.460

Abstract

This research aims to determine the differences in financial performance between Conventional Commercial Banks and Sharia Commercial Banks for the 2018-2022 period using the RGEC method which consists of Risk profile, Good corporate governance, Earnings and Capital. Risk Profile is proxied using the Non Performing Loans (NPL) ratio and Loan to Deposit Ratio (LDR) for BUK and Non Performing Financing (NPF) and Financial to Deposit Ratio (FDR) for BUS, GCG is proxied using the GCG self assessment composite value, Earnings are proxied using Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin (NIM) for BUK and Net Operating Margin (NOM) for BUS and BOPO, and Capital is proxied using the Capital Adequacy Ratio (CAR). The sample used in this research consisted of 10 Conventional Commercial Banks and 7 Sharia Commercial Banks. Samples were taken using a purposive sampling method based on predetermined criteria. The data analysis techniques used in this research are descriptive statistics, normality test, and Independent Sample t-Test. The results of the research show that there are significant differences between Conventional Commercial Banks and Sharia Commercial Banks in the financial performance ratios of NPL/NPF, ROA, ROE, NIM and BOPO. Meanwhile, in terms of LDR/FDR, GCG and CAR financial performance ratios, there are no significant differences between Conventional Commercial Banks and Sharia Commercial Banks.
The Influence of Trust in Fintech and Perceived Security on the Decision to Use E-Wallets among Students in Mataram City Febbyola Tri Lestari; Siti Aisyah Hidayati; I Gusti Agung Arista Pradnyani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9214

Abstract

The rapid growth of fintech, particularly e-wallets, is driving financial inclusion amidst increasing cybersecurity risks, but trust in fintech and perceived security are major barriers to adoption among university students. This study aims to analyze the influence of trust in fintech and perceived security on e-wallet adoption decisions among university students in Mataram City. Using an associative quantitative approach, data were collected through a Likert-scale questionnaire from a population of active e-wallet users, with a sample of 100 respondents determined using the Lemeshow formula and simple random sampling. The instrument was validated through factor analysis (KMO >0.6) and reliability (Cronbach's Alpha >0.7), and analyzed using SPSS 26 multiple linear regression after classical assumption testing. The results showed that trust in fintech (β=0.312, p=0.000) and perceived security (β=0.285, p=0.000) had a significant positive effect on adoption decisions (R²=61.2%). In conclusion, both variables explain adoption substantially, with trust being more dominant, recommending increased transparency and anti-phishing features for providers.
The Effect of ESG Risk Rating and Leverage on Stock Returns with Profitability as a Moderating Variable in Mining Sector Companies Listed on the Stock Exchange Indonesia's Impact 2020-2024 Christian Valentino Wahyu Leo; Siti Aisyah Hidayati
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9265

Abstract

Stock returns in the mining sector on the Indonesia Stock Exchange (IDX) experienced high volatility during 2020-2024 due to commodity price fluctuations and the impact of the pandemic. This study aims to analyze the effect of ESG Risk Rating and leverage on stock returns, with profitability (ROE) as a moderating variable in mining companies listed on the IDX. Using quantitative explanatory research with panel data from 15 purposive sample companies (ANTAM, INCO, etc.), secondary data from financial reports, Sustainalytics ESG ratings, and daily stock prices were analyzed through EViews panel regression (Random Effects Model). The results show that ESG Risk Rating has a positive but insignificant effect (β=0.021966, p=0.0578), leverage (DER) has no significant effect (p=0.5248), and ROE fails to moderate both relationships (p>0.05). The model only explains 3.83% of the return variation (Adjusted R²=0.038). In conclusion, external factors dominate mining stock returns compared to internal financial metrics in the volatile Indonesian commodity market.
Co-Authors Christian Valentino Wahyu Leo Febbyola Tri Lestari Gusti Ayu Sri Oktariyani I Gusti Agung Arista Pradnyani Lalu Hamdani Husnan Putri Awaliana Ramdan Sri Wahyulina Suryani, Embun