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All Journal Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri BALANCE: Economic, Business, Management and Accounting Journal Jurnal Pengabdian Masyarakat IPTEKS Jurnal Penelitian Manajemen Terapan (Penataran) Jurnal Media Informatika Jurnal Karya Abdi Masyarakat Mujtama': Jurnal Pengabdian Masyarakat Journal of Artificial Intelligence and Digital Business JURNAL MANAJEMEN DAN BISNIS INDONESIA
Noer Rafikah Zulyanti
Alumni Program Magister Administrasi Fakultas Ilmu Sosial dan Ilmu Politik Universitas 17 Agustus 1945 Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Transportation Other

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Peran Profitabilitas Dalam Memediasi Leverage Dan Total Asset Turnover Terhadap Nilai Perusahaan Khasanah, Uswatun; Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah
Jurnal Manajemen dan Bisnis Indonesia Vol. 10 No. 2 (2024): Edisi Bulan Desember
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jmbi.v10i2.2411

Abstract

Penelitian ini memiliki tujuan agar dapat mengetahui variabel profitabilitas dalam memediasi leverage dan total asset turnover terhadap nilai perusahaan studi pada perusahaan sektor pertambangan yang terdaftar di Bursa Efek Indonesia periode 2018-2022. Jenis penelitian yang digunakan yaitu kuantitatif serta menggunakan data sekunder. Populasi yang digunkan pada penelitian ini yaitu perusahaan sektor pertambangan yang terdaftar di bursa efek indonesia periode 2018-2022. Teknik pengambilan sampel yaitu purposive sampling sehingga mendapatkan 33 perusahaan yang digunakan untuk sampel. Analisis data dengan path analysis menggunakan aplikasi SPSS versi 22. Hasil penelitian ini diperoleh bahwa leverage berpengaruh signifikan terhadap profitabilitas dengan arah yang negatif, total asset turnover berpengaruh singnifikan terhadap profitabilitas dengan arah yang positif, leverage berpengaruh signifikan terhadap nilai perusahaan dengan arah yang negatif, total asset turnover berpengaruh signifikan terhadap nilai perusahaan dengan arah yang negatif, profitabilitas tidak memiliki pengaruh terhadap nilai perusahaan, profitabilitas tidak mampu memediasi leverage dan total asset turnover terhadap nilai perusahaan.
Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies Fajri, Mega Barokatul; Rochmah, Sofi Machmudatul; Putro, Guruh Marhaenis Handoko; Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Syah, Imran
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22690

Abstract

The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.
Digital Financial Inclusion and Access to Financing for MSMEs: A Case Study of MSMEs in the Creative Sector in Lamongan Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Fajri, Mega Barokatul; Syah, Imran; Abdullah, Addina Haque
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3705

Abstract

The development of digital financial inclusion in Indonesia has brought significant changes to the local economic system. The development of digital technology has fundamentally changed the way people access financial services. However, for MSMEs in the creative sector, access to formal financing remains a major challenge, particularly in Lamongan Regency, East Java. This study aims to understand in depth how digital financial inclusion practices affect MSMEs' access to financing in the creative sector, as well as the social, technological, and institutional factors that influence this process. This study used a qualitative approach with a case study design. Data were obtained through in depth interviews with 10 informants. Analysis was conducted using thematic analysis techniques to identify patterns of meaning and relationships between themes. The results show that digital financial inclusion expands access to financing through the convenience of fintech applications and mobile banking services, but its effectiveness is highly dependent on digital literacy, trust in digital systems, and local government support. Key inhibiting factors include limited internet access in rural areas, low understanding of digital risks, and minimal mentoring. This study emphasizes the importance of building an inclusive and adaptive digital financial ecosystem to the local context, through collaboration between businesses, the government, and digital financial institutions.
Co-Authors Abdullah, Addina Haque Abid Muhtarom, Abid Alfiani Alfiani, Alfiani Ardiyantika, Kiky Ratih Basya, M. Alih Elliv Hidayatul Lailiyah Fajri, Mega Barokatul Fibriyanti, Yeni Vera Fibriyanti, Yenni Vera Hery Widijanto Mufidah, Naurah Ningtiyas, Cicik Wigiarti Putro, Guruh Marhaenis Handoko Rochmah, Sofi Machmudatul Safitri, Wulan Nur Syah, Imran