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All Journal JURNAL LENTERA BISNIS Jurnal Informasi dan Teknologi Community Development Journal: Jurnal Pengabdian Masyarakat Al-Imam : Journal on Islamic Studies, Civilization And Learning Societies Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Ekonomi, Manajemen, Akuntansi PESHUM Scripta Economica: Journal of Economics, Management, and Accounting INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
Abdul Rosid
Universitas Sultan Ageng Tirtayasa
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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PENGARUH KEBIJAKAN HUTANG, KEBIJAKAN DIVIDEN, DAN INVESTASI TERHADAP NILAI PERUSAHAAN Siti Aisyah; Faisal Umardani Hasibuan; Andarias Patiran; Yohanes Marani; Abdul Rosid
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1529

Abstract

This study aims to determine the effect of debt policy, dividend policy, and investment policy both simultaneously and partially on the value of public companies listed on the Indonesia Stock Exchange in 2019-2023. The population is 18 companies and the sample taken is 6 companies. The type of analysis uses associative analysis with the classical assumption method, multiple linear regression, and hypothesis testing. The results of this study indicate that debt policy, dividend policy, and investment policy simultaneously have a significant effect on company value. Then partially, debt policy does not have a significant effect on company value. While dividend policy and investment policy have a significant effect on company value.
ANALISIS PENGARUH KUALITAS LAPORAN KEUANGAN TERHADAP KEPUTUSAN INVESTASI Rika Lidyah; Vitayanti Fattah; Endi Rustendi; Herawati Herawati; Abdul Rosid
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1581

Abstract

This study aims to analyze and determine the effect of financial report quality on investment decisions. The population in this study are companies listed on the Indonesia Stock Exchange (IDX) for the 2021-2023 period. Sampling in this study used the purposive sampling method. The number of samples in this study was 93 companies. The research method used is secondary research. The data analysis technique in this study uses simple linear analysis with a model feasibility test (F test) and a partial regression test (T test). The data processing process was carried out using the Statistical Package for Social Science (SPSS) program. The findings in this study are that the quality of financial reports has a significant effect on investment decisions. With a t-value of 3.637 and a significant value of 0.000. The quality of financial reports also makes a significant contribution to investment decisions, amounting to 12.8% of the variance.
Wakaf Syariah: Solusi Finansial Pendidikan Berkelanjutan Abdul Rosid; Ahmad Ulil Albab Al Umar; Widheya Pianita; Angga Putra Wijaya
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 3: April 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i3.16257

Abstract

Penelitian ini bertujuan untuk menganalisis peran wakaf Islam, khususnya wakaf produktif dan wakaf tunai, serta tata kelola wakaf dalam mendukung pembiayaan pendidikan jangka panjang di Indonesia. Studi ini menggunakan pendekatan kualitatif dengan metode tinjauan pustaka melalui kajian artikel jurnal ilmiah, buku akademik, laporan lembaga wakaf, dan peraturan terkait. Data dianalisis menggunakan analisis kualitatif deskriptif untuk mengkaji konsep, mekanisme, dan tantangan pengelolaan wakaf di sektor pendidikan. Hasil penelitian menunjukkan bahwa wakaf Islam memiliki potensi signifikan untuk memperkuat pembiayaan pendidikan melalui pengelolaan aset wakaf yang produktif dan berkelanjutan. Namun, optimalisasi wakaf masih dibatasi oleh keterbatasan tata kelola, kapasitas manajerial nazhir, dan rendahnya literasi wakaf. Oleh karena itu, penguatan tata kelola wakaf dan pengembangan instrumen wakaf produktif yang inovatif merupakan kunci untuk memposisikan wakaf Islam sebagai sumber pembiayaan pendidikan jangka panjang yang inklusif dan adil.
DEBT MANAGEMENT: STRATEGIES TO MINIMISE FINANCIAL RISK Abdul Rosid
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 3 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Debt management: Strategies to minimize financial risk are a set of practices and strategies implemented by an individual or company to effectively manage debt. The goal is to meet payment obligations on time, reduce liquidity and credit risks, and stabilize debt costs by diversifying financing sources and using hedging instruments. The research methodology was conducted using a literature review approach. The results of this study indicate that good cash flow management is a key factor in minimizing liquidity risk, including measures such as aligning debt repayment plans with income sources and maintaining adequate cash reserves. Diversified funding sources have also been shown to be effective in reducing concentration risk and reliance on a single loan type or creditor, while hedging instruments such as interest rate swaps and foreign exchange forwards help stabilize borrowing costs. In addition, the results show that consistent and structured credit assessments can strengthen credit risk control and reduce default risk. Companies that actively assess their own credit and use detailed credit reports are better able to handle credit issues. The use of scenario analysis and stress models in risk profile management also provides important insights to support better decision-making.
Liquidity Risk Management in Corporate Finance: Strategies for Financial Resilience Adzka Rosa Sanjayyana; Irsyad Kamal; Muhammad Rispan Affandi; Medeilia Bernike Br Ginting; Abdul Rosid
Jurnal Informasi dan Teknologi 2025, Vol. 7, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.vi0.677

Abstract

Liquidity risk management is one of the crucial aspects in maintaining the operational continuity and financial stability of companies. This study aims to explore various strategies employed by Indonesian companies in managing liquidity risk, as well as their impact on financial resilience. The main focus of this research includes cash flow management, financing source diversification, technology utilization, debt management, and the use of hedging strategies. The research findings show that companies with effective liquidity management strategies, such as the use of cash flow projections and cloud-based technology, are more resilient in uncertain market conditions. Furthermore, financing diversification through revolving credit, capital markets, and equity provides flexibility in accessing the necessary funds during liquidity crises. Managing debt with a balance between short-term and long-term debt also plays an important role in reducing liquidity pressure. On the other hand, hedging against exchange rate and interest rate fluctuations using derivative instruments helps companies mitigate external risks that could affect their liquidity. The study concludes that the implementation of these strategies is essential in maintaining liquidity stability and the competitiveness of companies in the face of global economic challenges. Therefore, companies need to develop adaptive and sustainable liquidity management policies to face future economic uncertainties.
Program Modal Bergulir dan Inovasi Produk Olahan Pangan Lokal: Pengabdian Fauziah Fauziah; Irma Hakim; Sunarni; Abdul Rosid; Nicholas Renaldo
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 April - Juni
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.5677

Abstract

Pengabdian ini bertujuan untuk mengetahui efektivitas program modal bergulir dalam mendukung pengembangan usaha serta mendorong inovasi pada produk olahan pangan lokal. Pelaksanaan kegiatan dilakukan melalui beberapa tahapan, meliputi tahap persiapan dan pemetaan potensi lokal, sosialisasi program, seleksi dan penetapan penerima modal, pelatihan manajemen keuangan dan pengelolaan modal, pelatihan inovasi produk olahan pangan lokal, penyaluran modal bergulir, pendampingan dan monitoring berkala, serta evaluasi dan penguatan keberlanjutan program. Hasil kegiatan menunjukkan bahwa program modal bergulir dan pengembangan produk olahan pangan lokal memberikan dampak positif terhadap peningkatan kapasitas usaha masyarakat. Perluasan akses permodalan membantu pelaku usaha kecil memperkuat keberlangsungan produksi, meningkatkan skala usaha, serta menerapkan perencanaan yang lebih sistematis. Pendampingan yang diberikan turut mendorong perbaikan kualitas produk, inovasi dalam pengolahan dan pemasaran, serta peningkatan daya saing produk lokal di pasar. Selain itu, program ini berkontribusi pada peningkatan kemampuan pengelolaan keuangan, tumbuhnya rasa tanggung jawab kolektif, dan penguatan solidaritas antaranggota kelompok. Dampak ekonomi terlihat dari meningkatnya pendapatan dan stabilitas keuangan keluarga secara bertahap, sementara dampak non-materiil tercermin pada meningkatnya kepercayaan diri dan pola pikir jangka panjang para pelaku usaha. Secara keseluruhan, program ini tidak hanya memperkuat aspek ekonomi, tetapi juga membangun fondasi sosial dan mentalitas kewirausahaan yang mendukung keberlanjutan usaha secara berkelanjutan.
Pengaruh Inflasi Dan Debt To Equity Ratio Terhadap Nilai Perusahaan Pada Perusahaan Subsektor Makanan Dan Minuman Yang Terdaftar Di Bursa Efek Indonesia Abdul Rosid; Elli Sulistyaningsih; Muhammad Zais M. Samiun; Muh. Irwin
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.15828

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh inflasi dan Rasio Utang terhadap Ekuitas (DER) terhadap nilai perusahaan, yang diproksikan oleh Rasio Harga terhadap Nilai Buku (PBV), pada perusahaan subsektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia (IDX) selama periode 2022–2024. Data yang digunakan adalah data sekunder yang diperoleh dari laporan keuangan tahunan, publikasi Badan Pusat Statistik (BPS), dan Bank Indonesia (BI). Metode analisis yang digunakan adalah regresi data panel dengan Model Efek Tetap (FEM), yang dipilih berdasarkan hasil uji Chow dan Hausman. Hasil penelitian menunjukkan bahwa secara parsial, inflasi tidak berpengaruh signifikan terhadap nilai perusahaan, yang mengindikasikan bahwa sektor makanan dan minuman cenderung tahan terhadap inflasi karena sifat esensial produknya. Sementara itu, Rasio Utang terhadap Ekuitas (DER) berpengaruh positif dan signifikan terhadap nilai perusahaan, yang menyiratkan bahwa penggunaan utang yang optimal dalam struktur modal dapat meningkatkan nilai pasar perusahaan. Secara bersamaan, inflasi dan DER secara signifikan memengaruhi PBV, yang menegaskan bahwa faktor makroekonomi dan struktur modal memainkan peran penting dalam menentukan nilai perusahaan. Temuan studi ini diharapkan dapat menjadi referensi bagi manajemen perusahaan dalam menentukan kebijakan pembiayaan optimal dan bagi investor dalam menilai potensi investasi di sektor makanan dan minuman.
Pengelolaan Risiko Keuangan di Era Cryptocurrency: Pendekatan Komparatif terhadap Volatilitas Aset Digital dan Implikasinya bagi Portofolio Investasi Institusional Abdul Rosid
Journal of Economics, Management, and Accounting Vol 1 No 2 (2025): November: Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/qbhj4372

Abstract

The development of cryptocurrency as a highly volatile digital asset has changed the landscape of institutional investment risk management and created a need for a more adaptive risk management approach. This study aims to analyze the volatility, correlation, and downside risk of cryptocurrency compared to traditional assets, as well as evaluate the effectiveness of hedging strategies in institutional portfolios. Using a quantitative-comparative research method with historical data analysis for the 2020–2024 period, this study measures volatility, Value at Risk, Conditional Value at Risk, cross-asset correlations, and assesses the impact of cryptocurrency allocation on portfolio efficiency. The results show that cryptocurrencies have much higher volatility and tail risk than stocks, bonds, or gold, so the optimal allocation is a small portion, namely 3–5 percent. Hedging strategies such as futures, options, and dynamic hedging have been proven to reduce risk, but their effectiveness is greatly influenced by market conditions and liquidity. This study concludes that the integration of cryptocurrency into institutional portfolios is only feasible if supported by a strong risk management framework, real-time monitoring, and hedging strategies that are responsive to changes in volatility.
Islamic Financial Technology (Fintech): Menjembatani Kesenjangan Literasi dan Inklusi Keuangan Syariah di Indonesia Yuni Mayanti; Sofyan Abas; Anne Haerany; Abdul Rosid; Lara Aziza Putri
AL-IMAM: Journal on Islamic Studies, Civilization and Learning Societies Vol 7 No 2 (2026)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.im.2026.7.233

Abstract

Aims: This study aims to identify the need for Islamic financial technology (Islamic fintech) as an alternative to support Islamic financial literacy and inclusion in Indonesia. It also describes the factors that hinder the conversion of Islamic financial knowledge into the actual use of formal financial services and summarizes governance pillars, drawn from the literature and oriented toward Maqashid al-Shariah, to promote equitable and sustainable financial inclusion. Method: This study employs a library research method with a qualitative-descriptive approach. Data were collected through a review of scientific literature, regulations, and official reports relevant to Islamic financial literacy, financial inclusion, and the development of Islamic fintech in Indonesia. The literature was identified, selected, classified into five dimensions (Table 1), and synthesized descriptively to describe the literacy-inclusion gap, its contributing factors, and the opportunities and challenges of Islamic financial digitalization. The study does not apply thematic coding, empirical testing, or the development of a formal framework. Results: The findings reveal a substantial gap between Islamic financial literacy and Islamic financial inclusion in Indonesia, as reported in national survey data. This gap indicates that public knowledge has not been fully translated into the utilization of Islamic financial services. This phenomenon is explained through the concept of symbolic literacy, which refers to a condition in which people recognize Islamic financial terminology but lack a substantive understanding of contractual structures (akad), risks, operational mechanisms, and the benefits of Islamic financial products. Other barriers include low institutional transparency, pseudo-inclusion practices that may undermine public trust, limited digital infrastructure, and misalignment between technological innovation and regulatory readiness. Islamic fintech services, including peer-to-peer lending, crowdfunding, and electronic waqf (e-waqf), have the potential to expand financial access. However, the literature synthesis suggests that optimizing their role requires four governance pillars: regulation, technology, social engagement, and spirituality (Table 2). These pillars are supported by contract-based financial education, algorithmic ethics audits, consumer protection, and community collaboration. Novelty: The novelty of this study lies in the use of symbolic literacy and pseudo-inclusion as analytical concepts for explaining the gap between understanding and utilizing Islamic financial services, as well as in the synthesis of four Islamic fintech governance pillars oriented toward Maqashid al-Shariah. The findings highlight the need for integrated regulation, greater institutional transparency, financial education emphasizing contractual understanding, ethical oversight of technology, and the development of accessible digital services tailored to community needs. Accordingly, Islamic fintech should not merely expand financial access but also promote substantive, responsible, and sustainable financial inclusion in Indonesia.
PENDAMPINGAN PENGEMBANGAN KOMPETENSI PELAKU UMKM BERBASIS POTENSI LOKAL Rena Augia Putrie; Nurjanna Ladjin; Faisal Umardani Hasibuan; Abdul Rosid; Yuni Rustiawati
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 5 (2026): Vol. 7 No. 5 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i5.63961

Abstract

Pelaku UMKM telah memiliki pengalaman menjalankan usaha, tetapi pengalaman tersebut belum sepenuhnya diikuti dengan kemampuan dalam mengembangkan produk, memperbaiki identitas, dan memasarkan produk secara sistematis. Pengabdian kepada masyarakat ini bertujuan meningkatkan kompetensi pelaku UMKM dalam mengembangkan potensi lokal menjadi produk yang memiliki nilai tambah serta memperkuat kemampuan pengelolaan dan pemasaran usaha. Kegiatan diikuti oleh 30 pelaku UMKM yang dilaksanakan melalui beberapa tahapan, seperti observasi dan identifikasi potensi, penyampaian materi, praktik, pendampingan, dan evaluasi. Evaluasi dilakukan melalui pre-test dan post-test. Hasil kegiatan menunjukkan adanya peningkatan kemampuan peserta dalam mengidentifikasi potensi lokal, mengembangkan produk, memperbaiki kemasan dan identitas, menyusun strategi pemasaran, serta menerapkan hasil pendampingan pada usaha masing-masing. Peningkatan tersebut dapat dilihat dari hasil evaluasi yang menunjukkan bahwa rata-rata peserta yang mencapai kategori baik meningkat dari 33,3% pada pre-test menjadi 82% pada post-test, atau meningkat sebesar 48,7%. Dengan demikian, pendampingan yang memadukan materi, praktik, diskusi, dan pendampingan langsung mampu memperkuat kompetensi pelaku UMKM secara aplikatif, meskipun penerapan hasil kegiatan masih memerlukan pendampingan lanjutan agar dapat dilakukan secara konsisten dalam pengelolaan usaha.
Co-Authors Adzka Rosa Sanjayyana Ahmad Ulil Albab Al Umar Andarias Patiran Angga Putra Wijaya Anne Haerany Elli Sulistyaningsih Endi Rustendi Faisal Umardani Hasibuan Fauziah Fauziah Hasibuan, Faisal Umardani Herawati Herawati Irma Hakim Irsyad Kamal Lara Aziza Putri Medeilia Bernike Br Ginting Muh. Irwin Muhammad Rispan Affandi Muhammad Zais M. Samiun Nicholas Renaldo Nurjanna Ladjin Rena Augia Putrie Rika Lidyah Siti Aisyah Sofyan Abas Sunarni Sunarni Vitayanti Fattah Widheya Pianita Yohanes Marani Yuni Mayanti Yuni Rustiawati