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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Manajemen & Keuangan Journal of Economic, Bussines and Accounting (COSTING) Distribusi JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) Jurnal Pengabdian Magister Pendidikan IPA Jurnal Gema Ngabdi Journal of Enterprise and Development (JED) Jurnal Abdi Insani Jurnal Ilmiah Manajemen Kesatuan JIIP (Jurnal Ilmiah Ilmu Pendidikan) JPIn : Jurnal Pendidik Indonesia Jurnal Abdimas Sangkabira International Journal of Community Service ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Prosiding Konferensi Nasional PKM-CSR The South East Asian Journal of Management Asian Journal of Management Analytics Jurnal Pepadu Journal of Management and Creative Business International Journal of Management Science IIJSE Journal of Sharia Economy and Islamic Tourism
Suryani, Embun
Fakultas Ekonomi Dan Bisnis Universitas Mataram, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Financial Inclusion and Financial Technology in SMEs: Investigating the Mediating Role of Risk Perception on Business Performance Purnasalam, Divia Lasasyauma; Suryani, Embun
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025): January - April
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12524

Abstract

Purpose: This study examines the impact of financial technology and financial inclusion on the performance of small and medium-sized enterprises (SMEs) in the creative economy sector with risk perception serving as a mediating variable.Method: Data collection was conducted through surveys and questionnaire distribution to participants. The study involved a sample of 130 SMEs operating in the creative sector on Lombok Island that utilize financial technology in their businesses. A combination of purposive and accidental sampling techniques was employed. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The findings reveal that financial technology has no significant impact on risk perception, while financial inclusion demonstrates a significant effect. Similarly, financial technology does not significantly influence SME performance, whereas financial inclusion has a substantial impact. Risk perception exhibits only a minor effect on SME performance. Furthermore, risk perception does not mediate the relationship between financial technology and SME performance, nor does it mediate the relationship between financial inclusion and SME performance.Practical Implications for Economic Growth and Development: This study highlights the importance of financial inclusion in enhancing SME performance, suggesting that greater access to financial services can drive economic growth by improving business efficiency and market competitiveness. Furthermore, it emphasizes the need for policies that foster financial inclusion to support sustainable development in the creative economy sector.
PENGARUH PROFITABILITAS, LIKUIDITAS DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) PERIODE 2019-2023 Muttakin, Zayyinul; Suryani, Embun
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 6 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.13521

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia dari tahun 2019 hingga 2023 dan mengetahui bagaimana profitabilitas (ROA), likuiditas (CR), dan ukuran perusahaan (SIZE) mempengaruhi nilai perusahaan (PBV). Sebanyak 65 perusahaan manufaktur disurvei untuk penelitian ini dengan menggunakan teknik purposive sampling. Untuk menguji hipotesis, peneliti menggunakan analisis regresi linier berganda. Menurut temuan, nilai perusahaan dipengaruhi secara positif oleh profitabilitas dan dipengaruhi secara negatif oleh likuiditas. Penelitian ini tidak menemukan hubungan yang signifikan antara ukuran perusahaan dan nilai perusahaan. Menurut hasil ini, peningkatan efisiensi operasional dapat menyebabkan peningkatan nilai perusahaan. Di sisi lain, manajemen perlu berhati-hati tentang struktur modal yang mereka pilih sehingga nilainya tidak turun karena terlalu banyak likuiditas
Pemanfaatan Aplikasi Keuangan berbasis Web (SEMETON BUMDES) untuk meningkatkan efektifitas Pengelolaan Keuangan pada BUMDes Desa Wisata Suryani, Embun; Sarifudin; Hidayati, Siti Aisyah; Akhyar, Muhammad; Furkan, Lalu M.; Agusdin; Rinuastuti, Baiq Handayani; Handayani, Tuti; Husni, Vici Handalusia; Erwan, Muhammad; Saputra, Alga Doni
Jurnal Pengabdian Magister Pendidikan IPA Vol 7 No 3 (2024): Juli - September
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jpmpi.v7i3.9438

Abstract

Badan Usaha Milik Desa (BUMDes) merupakan institusi yang dibentuk oleh pemerintah desa serta masyarakat untuk mengelola kegiatan-kegiatan ekonomi desa. Namun, BUMDes dalam menjalankan fungsinya juga dihadapkan pada permasalahan internal terkait keterbatasan kemampuan SDM, salah satunya adalah sistem akuntansi dan manajemen keuangan yang buruk, sehingga pengelolaan keuangan BUMDes menjadi tidak optimal. Hal inilah yang menjadi hambatan utama bagi BUMDes untuk mendapatkan akses permodalan ke lembaga keuangan formal. BUMDes tidak mampu menerapkan administrasi keuangan yang sesuai dengan standar. Salah satu upaya yang dapat dilakukan adalah mendorong peningkatan kapasitas usaha dan akses pembiayaan BUMDes adalah dengan menyediakan sarana pencatatan transaksi keuangan yang terstandar dan sederhana. Melalui kegiatan penelitian selama dua tahun, telah dibentuk Aplikasi Keuangan untuk BUMDes berbasis web. Aplikasi ini sangat mudah digunakan dan telah memenuhi standar akuntansi pelaku usaha kecil mikro, dimana dalam hal ini adalah BUMDes. Aplikasi ini bernama “Semeton Bumdes”. Untuk itu, dilakukan pelatihan dan pendampingan penggunaan aplikasi keuangan Semeton BUMDes kepada pengelola BUMDes di desa wisata, Desa Kute Kecamatan Kute Kabupaten Lombok Barat. Pelaksanaan pembinaan ini menggunakan pendekatan Participatory Rural Appraisal yang menekankan keterlibatan masyarakat dalam keseluruhan kegiatan mulai dari perencanaan, pelaksanaan dan evaluasi program. Kegiatan ini terbagi menjadi tiga yaitu: 1) sosialisasi tentang upaya untuk meningkatkan pengetahuan dan pemahaman standar pencatatan dan pelaporan keuangan; 2) demonstration plot penggunaan aplikasi keuangan berbasis web bagi pengelola BUMDes; dan 3) pendampingan penggunaan aplikasi keuangan berbasis web bagi pengelola BUMDes Desa Kute. Melalui pelatihan dan pendampingan ini meningkatkan kemampuan pengelola BUMDes untuk memahami proses pencatatan keuangan menggunakan aplikasi pencatatan keuangan berbasis web (Semeton BUMDes).
The Impact of Work-Life Balance Policies on Employee Job Satisfaction in Wuling Factory, Shanghai Yuan, Zhang; Suryani, Embun
Asian Journal of Management Analytics Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v4i1.12466

Abstract

The automotive industry is a high-pressure sector where work-life balance (WLB) is crucial to employee job satisfaction and productivity, particularly in demanding contexts such as Wuling Factory in Shanghai. This research examines the efficacy of WLB policies at Wuling Factory and their impact on job satisfaction. Utilizing a quantitative research method, a structured questionnaire was distributed among 200 employees, and Structural Equation Modeling (SEM) was applied to analyze the data. The findings indicate that flexible working hours, specialized leave options, and dependents care significantly enhance job satisfaction. This study not only underscores the importance of WLB in industrial work environments but also contributes to the broader discourse on human resource management by demonstrating that comprehensive, well-implemented WLB policies are integral to fostering employee satisfaction and organizational success in the automotive manufacturing industry.
The Influence of Individual Characteristics and Non-Physical Work Environment on Employee Performance Fidiya, Fidiya; Santi Nururly; Embun Suryani; Ala`a Nimer AbuKhalifeh; Anton R. Sabella
International Journal of Management Science Vol. 3 No. 1 (2025): January-June
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/ijms.v3i1.446

Abstract

This study aims to determine the effect of individual characteristics and non-physical work environment on the performance of employees at the Praya Tengah Sub-District Office. The population in this study consists of all employees at the Praya Tengah Sub-District Office, with the sampling technique using purposive sampling. This type of research is associative quantitative research. Data processing in this study used SPSS 26.0, where validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, significance tests (t-test), and determination coefficient tests (R Square) were conducted. The results of this study show that the non-physical work environment has a greater influence on employee performance at the Praya Tengah Sub-District Office. Based on the t-test results, it was found that t count > t table (1.993 > 1.697) or the significance value (0.026 < 0.05), indicating that the non-physical work environment has a positive and significant effect on the performance of employees at the Praya Tengah Sub-District Office.
Analisis Perbandingan Kinerja Keuangan PT. Bank NTB Syariah Kantor Pusat Dengan Menggunakan Metode RGEC Pada Masa Transisi Dan Setelah Terkonversi Menjadi Bank Umum Syariah Sufiana Pujiarti; Lalu Hamdani Husnan; Embun Suryani
Journal of Management and Creative Business Vol. 1 No. 4 (2023): Oktober : Journal of Management and Creative Business
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/jmcbus.v1i4.1578

Abstract

This study is entitled analysis of the financial performance of PT Bank NTB Syariah head office using the RGEC method during the transition period and after being converted into an Islamic commercial bank. Aims to determine the significance level of Islamic NTB bank performance using the RGEC method during the transition period and after conversion. The type of research used is descriptive research with a quantitative approach. The data collection method used is the method of documentation and literature study. The population in this study were financial statements, GCG reports of head office Islamic NTB banks and the samples were NPF/NPL, FDR/LDR, ROA, ROE, BOPO, NI, CAR and PDN ratios. The analysis tool used is the Wilxocon signed rank test using SPSS version 17. The results of the analysis show that: (1) financial performance during the transition period using the RGREC method gets a composite value of 1 or very healthy (2) financial performance after being converted using the RGEC method gets a composite value 1 or very healthy (3) the comparison of financial performance during the transition period and after conversion is not too significant.
Pengaruh Curent Ratio dan Debt to Equity Ratio Terhadap Profitabilitas (Studi Pada PT Unilever Indonesia Tbk. Tahun 2012 - 2020) Luh Putu Widyani Puspitawati, Ni; Utami Widya Astuty, Ratna; Saputra, Davit; Riadien, Pena; Frebiana Joe, Angelina; Suryani, Embun
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 6 No. 1 (2025): April
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v6i1.821

Abstract

This study aims to determine the effect of the Current Ratio and Debt to Equity Ratio on profitability in Fast Moving Consumer Goods (FMCG) companies, specifically PT Unilever Indonesia Tbk., listed on the Indonesia Stock Exchange (IDX) for the 2012–2020 period. The sampling technique used is purposive sampling, and the data employed are secondary data. The analysis methods include classical assumption tests, autocorrelation tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analysis, hypothesis testing, and determination coefficient testing using SPSS version 26.0 and Microsoft Excel 2019 with the stepwise method. The study results indicate that the Current Ratio and Debt to Equity Ratio have no significant effect on the company's profitability.
Financial Literacy, Self Efficacy, dan Self Esteem Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM dengan Gender Sebagai Variabel Moderasi Wardani, Ni Putu Ika Saraswati; Suryani, Embun; Nugraha, I Nyoman
Jurnal Pendidik Indonesia (JPIn) Vol 5, No 2: Oktober 2022
Publisher : Yayasan Pendidikan Intan Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47165/jpin.v5i2.343

Abstract

Financial Literacy is a combination of awareness, knowledge, skills, attitudes, and behaviors needed to make good financial decisions and ultimately achieve Financial Wealth Behavior. The purpose of this study was to determine the effect of financial literacy, self-efficacy, and self-esteem on financial management behavior in MSME actors with gender as a moderating variable. This research uses associative research method. The sample in this study amounted to 100. The instrument used in this study was a questionnaire. Data were analyzed using multiple regression with the help of Partial Least Square (PLS) program. Based on the results of the study, it can be concluded that there is an influence of Financial Literacy on Financial Management Behavior on MSME actors, with a p value of 0.028 with a t statistic of 2.202. There is an influence of Self Efficacy on Financial Management Behavior in MSME actors, with a p value of 0.023 with a t statistic of 2.268. There is an effect of Self Esteem on Financial Management Behavior in MSME actors, with a p value of 0.000 with a t statistic of 7.564. Gender is not able to moderate the influence of Financial Literacy on Financial Management Behavior on MSME actors, with a p value of 0.900 with a t statistic of 0.126. Gender is not able to moderate the effect of Self Esfficacy on Financial Management Behavior on MSME actors, with a p value of 0.736 with a t statistic of 0.337. Gender is not able to moderate the influence of Self Esteem on Financial Management Behavior on MSME actors, with a p value of 0.439 with a t statistic of 0.775
Good Corporate Governance, Kredit Bermasalah, dan Likuiditas Terhadap Profitabilitas Dengan Cost Efficiency Sebagai Variabel Intervening Pada Bank Perkreditan Rakyat Upatiartha, Dwi; Nugraha, I Nyoman; Suryani, Embun
Jurnal Pendidik Indonesia (JPIn) Vol 6, No 1: April 2023
Publisher : Yayasan Pendidikan Intan Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47165/jpin.v6i1.645

Abstract

Penelitian ini bertujuan untuk menguji Pengaruh Good Corporate Governance, Kredit Bermasalah dan Likuiditas Terhadap Profitabilitas melalui Cost Efficiency Pada Bank Perkreditan Rakyat Di Provinsi Nusa Tenggara Barat. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian asosiatif dengan pendekatan kuantitatif. Populasi dalam penelitian ini sebanyak 29 Bank Perkreditan Rakyat di Provinsi Nusa Tenggara Barat. Sampel dalam penelitian ini diperoleh dengan menggunakan teknik purposive sampling, sehingga diperoleh 18 sampel. Metode pengumpulan data yang digunakan dalam penelitian ini adalah metode sampel survey. Hasil penelitian menunjukkan bahwa Good Corporate Governance, Kredit Bermasalah dan Likuiditas tidak berpengaruh dan tidak signifikan terhadap Profitabilitas sedangkan, untuk Cost Efficiency berpengaruh negatif dan signifikan terhadap Profitabilitas. Good Corporate Governance tidak berpengaruh dan tidak signifikan terhadap Cost Efficiency sedangkan Kredit Bermasalah dan Likuiditas berpengaruh positif dan signifikan terhadap Cost Efficiency. Serta hasil penelitian pengaruh tidak langsung menunjukkan bahwa Good Corporate Governance tidak berpengaruh terhadap profitabilitas melalui Cost Efficiency, sedangkan untuk Kredit Bermasalah dan Likuiditas berpengaruh terhadap Profitabilitas melalui Cost Efficiency.
Financial Inclusion and Financial Technology in SMEs: Investigating the Mediating Role of Risk Perception on Business Performance Purnasalam, Divia Lasasyauma; Suryani, Embun
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12524

Abstract

Purpose: This study examines the impact of financial technology and financial inclusion on the performance of small and medium-sized enterprises (SMEs) in the creative economy sector with risk perception serving as a mediating variable.Method: Data collection was conducted through surveys and questionnaire distribution to participants. The study involved a sample of 130 SMEs operating in the creative sector on Lombok Island that utilize financial technology in their businesses. A combination of purposive and accidental sampling techniques was employed. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The findings reveal that financial technology has no significant impact on risk perception, while financial inclusion demonstrates a significant effect. Similarly, financial technology does not significantly influence SME performance, whereas financial inclusion has a substantial impact. Risk perception exhibits only a minor effect on SME performance. Furthermore, risk perception does not mediate the relationship between financial technology and SME performance, nor does it mediate the relationship between financial inclusion and SME performance.Practical Implications for Economic Growth and Development: This study highlights the importance of financial inclusion in enhancing SME performance, suggesting that greater access to financial services can drive economic growth by improving business efficiency and market competitiveness. Furthermore, it emphasizes the need for policies that foster financial inclusion to support sustainable development in the creative economy sector.
Co-Authors Abdul Mannan, Siti Sofiyah Ade Risbian Isnaeni Adi Septiawan Adi Septiawan Adi Septiawan Agus Septiawan Agusdin Ahyar, Muhamammad Akhmad Saufi Alamsyah Alamsyah Ala`a Nimer AbuKhalifeh Anggun Hilendri Lestari, Baiq Anton R. Sabella Anuar bin Arshad, Mohd. Azahra, Nabila Putri Azim, Pahrul Baiq Handayani Rinuastuti, Baiq Handayani Budi Santoso Dewi Rahmasari Diswandi Diswandi Diswandi Djoko Kisworo Donny Oktavian Syah Dwi Putra Buana Sakti Dwi Upatiartha Erwan, Muhammad Fidiya, Fidiya Frebiana Joe, Angelina Furkan, Lalu M. G. A. Sri Oktaryani Gusti Ayu Sri Oktariyani Gusti Ayu Sri Oktariyani Guswulandari Handry Sudiartha Athar Hidayat, Pramana Wahyu Hikmah Julia Husnan, Lalu Hamdani Husni, Vici Handalusia I Nyoman Nugraha I Nyoman Nugraha Ardana P I Nyoman Nugraha Ardana Putra IHSAN ROIS, IHSAN Juliana, Nana Jurnal Pepadu Khairunnisa L. M. Furkan L. Muhammad Furkan L.M. Furkan Lalu Adi Permadi Lalu Hamdani Husnan Lalu M Furkan Lalu M. Furkan Lalu Muhamad Furkan Lalu Muhammad Furkan Lasri Supriana Luh Putu Widyani Puspitawati, Ni Lupiyoadi, Rambat M Muhdin M. Ali M. Furkan, Lalu M. Zeldy Septiawan miah, Sulai miati, Yas Muhamad Ahyar Muhamad Akhyar Muhamad Akhyar Muhamad Ali Muhammad Akhyar Muhammad An Nagib A. Smith Muhdin Muhdin Muttakin, Zayyinul Nadia Rizkiana Ni Ketut Surasni Ni Luh Debby Maharani Eka Putri Ningsih, Septia Nugraha, I Nyoman Nur Aida Arifah Tara Nurmayanti, Siti Nuzul Hidayat, Nuzul Oktaryani, Sri Permadi, Lalu Adi Prima Astuti Handayani Purnasalam, Divia Lasasyauma Qurrota A’yuni Rahmasari, Dewi Rahmasari Rahmi Restianti Ramdani, Gilang Riadien, Pena Saipul Arni Muhsyaf Salsabyla Azky Santy Nururly Saputra, Alga Doni Saputra, Davit Sarifudin SARIFUDIN Sarifudin Sarifudin Sarifudin Serif Sarifudin Serip Sarifudin Serip Serif, Sarifudin Serifudin Serifudin Serif Sinta Almanika Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Siti Aisyah Hidayati Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Sri Wahyulina Suciani Zubair Sudi Harnowo Sufiana Pujiarti Sukmawati Sukmawati Suryaningsih, Yeny Syahrul Syahrul Ulfa, Yakut Nahdiana Upatiartha, Dwi Utami Widya Astuty, Ratna Wahyulina, Sri Wardani, Ni Putu Ika Saraswati Widodo, Erick Yu, Bao Yuan, Zhang Yunita Yunita Zainal Abidin Zainal Abidin Zayyani, Erika Zayyani Zefanya Andryan Girsang