Garuda - Garba Rujukan Digital

ANALISIS LIVE STREAMING, FLASH SALE DAN E-WOM DALAM MENDORONG PERILAKU IMPULSIVE BUYING PRODUK SKINCARE SKINTIFIC PADA PLATFORM TIKTOK SHOP Ulsatunnisa Ulsatunnisa; Linda Ayu Oktoriza; Maria Safitri; Imam Nuryanto
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 2 (2025): Edisi Mei - Agustus 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i2.5816

This study aims to analyze the influence of Live Streaming, Flash Sale, and E-WOM on impulsive buying behavior on Skintific skincare products on the TikTok Shop platform. This study uses a quantitative approach, with the population being students of the Management Study Program at Dian Nuswantoro University. The sample was selected using a non-probability sampling technique with a purposive sampling method, and this study involved 98 respondents. The study results show that the third variable, namely Live Streaming, Flash Sale, and E-WOM, significantly influence impulsive buying behavior simultaneously and partially. The conclusion of this study contributes to the digital marketing literature while providing practical recommendations for e-commerce business actors to optimize these marketing elements in increasing sales.

Eksplorasi Profitabilitas, Likuiditatas, Rasio Leverage, dan Ukuran Perusahaan Terhadap Nilai Perusahaan Textile dan Garmen yang Terdaftar di BEI Periode Triwulan (2019-2024) Rahayu Nur Azizah; Ariati Anomsari; Maria Safitri; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11885

This study was conducted due to fluctuations in the market value of companies in the textile and garment industries on the Indonesia Stock Exchange, which are influenced by financial performance. The research question is whether Profitability, Liquidity, Leverage Ratio, and Firm Size affect Market Value. The objective of this study is on analyze the partial effects of these four factors on market value during the 2019- 2024 period. The study population consists of 23 textile and garmen listed on the IDX during the 2019- 2024 period. The sampling method used is purposive sampling, with a sample size of 17 companies. This study employs a quantitative approach using panel regression, and data analysis was conducted using Eviews version 13. The results indicate that Profitability has significant positive effect on Firm Value, whereas Liquidity and Firm Size do not have a significant effect on Firm Value. Conversely, the Leverage Ratio has a significant negative effect on Firm Value.

Optimasi Portofolio Saham Syariah dan Konvensional di Bursa Malaysia: Perbandingan Model Markowitz dan Algoritma Genetika Deni Adelya Nurhayati; Dwi Eko Waluyo; Maria Safitri; Bara Zaretta
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12091

This study compares portfolio optimization performance between sharia-compliant stocks (FBM Hijrah Shariah Index) and conventional stocks (FTSE Bursa Malaysia KLCI) using the Markowitz Mean Variance Optimization (MVO) model and Genetic Algorithm (GA), evaluated through CV, Sharpe ratio, Sortino ratio, and Omega ratio over the period 2022–2025. Results show that the sharia portfolio consistently outperforms conventional across all metrics and both methods, with a Sharpe ratio of 0.1589 compared to 0.0709, demonstrating that sharia screening enhances rather than hinders portfolio efficiency. GA produces marginally higher Sharpe ratios than Markowitz, indicating both methods are complementary. These findings offer practical implications for investors, fund managers, and policymakers in developing competitive sharia investment instruments.

Eksplorasi Profitabilitas, Likuiditatas, Rasio Leverage, dan Ukuran Perusahaan Terhadap Nilai Perusahaan Textile dan Garmen yang Terdaftar di BEI Periode Triwulan (2019-2024) Rahayu Nur Azizah; Ariati Anomsari; Maria Safitri; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11885

This study was conducted due to fluctuations in the market value of companies in the textile and garment industries on the Indonesia Stock Exchange, which are influenced by financial performance. The research question is whether Profitability, Liquidity, Leverage Ratio, and Firm Size affect Market Value. The objective of this study is on analyze the partial effects of these four factors on market value during the 2019- 2024 period. The study population consists of 23 textile and garmen listed on the IDX during the 2019- 2024 period. The sampling method used is purposive sampling, with a sample size of 17 companies. This study employs a quantitative approach using panel regression, and data analysis was conducted using Eviews version 13. The results indicate that Profitability has significant positive effect on Firm Value, whereas Liquidity and Firm Size do not have a significant effect on Firm Value. Conversely, the Leverage Ratio has a significant negative effect on Firm Value.

Optimasi Portofolio Saham Syariah dan Konvensional di Bursa Malaysia: Perbandingan Model Markowitz dan Algoritma Genetika Deni Adelya Nurhayati; Dwi Eko Waluyo; Maria Safitri; Bara Zaretta
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12091

This study compares portfolio optimization performance between sharia-compliant stocks (FBM Hijrah Shariah Index) and conventional stocks (FTSE Bursa Malaysia KLCI) using the Markowitz Mean Variance Optimization (MVO) model and Genetic Algorithm (GA), evaluated through CV, Sharpe ratio, Sortino ratio, and Omega ratio over the period 2022–2025. Results show that the sharia portfolio consistently outperforms conventional across all metrics and both methods, with a Sharpe ratio of 0.1589 compared to 0.0709, demonstrating that sharia screening enhances rather than hinders portfolio efficiency. GA produces marginally higher Sharpe ratios than Markowitz, indicating both methods are complementary. These findings offer practical implications for investors, fund managers, and policymakers in developing competitive sharia investment instruments.

Pengaruh Return On Equity, Current Ratio, Dan Sales Growth Terhadap Nilai Perusahaan Dengan Kebijakan Dividen Sebagai Variabel Intervening Rafida Nur Fadila; Vicky Oktavia; Dwi Eko Waluyo; Maria Safitri
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 6 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/vcm9rr06

This study aims to analyze the effect of Return on Equity (ROE), Current Ratio (CR), and Sales Growth on firm value with dividend policy as an intervening variable in mining companies listed on the Indonesia Stock Exchange during the 2020–2025 period. Firm value is proxied by Price to Book Value (PBV), while dividend policy is measured using the Dividend Payout Ratio (DPR). This research uses a quantitative approach with secondary data obtained from the annual financial reports of mining companies listed on the Indonesia Stock Exchange. The sampling technique used is purposive sampling, and the data were analyzed using path analysis. The results show that Return on Equity (ROE) has a positive and significant effect on firm value, while Current Ratio (CR) and Sales Growth do not have a significant effect on firm value. Return on Equity (ROE) and Current Ratio (CR) positively affect dividend policy, whereas Sales Growth does not affect dividend policy. Dividend policy has a positive and significant effect on firm value. Furthermore, dividend policy is able to mediate the effect of Return on Equity (ROE) and Current Ratio (CR) on firm value, but it is unable to mediate the effect of Sales Growth on firm value. This study is expected to contribute theoretically to the development of financial management literature and practically to assist company management and investors in making decisions related to profitability, liquidity, sales growth, dividend policy, and firm value.

Pengaruh Penggunaan QRIS, Perilaku Pencatatan Pengeluaran, dan Perilaku Penyusunan Anggaran terhadap Perilaku Menabung Mahasiswa Universitas Dian Nuswantoro Semarang Titik Yektiningtyas; Vicky Oktavia; Maria Safitri; Diana Puspitasari
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 3 (2026): Mei - Juli
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i3.2484

Penelitian dilaksanakan untuk menganalisis pengaruh penggunaan Quick Response Code Indonesian Standard (QRIS), perilaku pencatatan pengeluaran, perilaku penyusunan anggaran terhadap perilaku menabung mahasiswa Universitas Dian Nuswantoro Semarang. Menerapkan metode kuantitatif dengan memanfaatkan data primer yang didapatkan melewati penyebaran kuesioner dengan teknik purposive sampling. Analisis data dijalankan dengan metode regresi linear berganda melalui SPSS versi 25. Hasil menyatakan bahwa penggunaan QRIS berpengaruh positif dan signifikan terhadap perilaku menabung dengan nilai t hitung sebesar 3,645 dan nilai signifikansi sebesar 0,000. Perilaku penyusunan anggaran berpengaruh positif dan signifikan terhadap perilaku menabung dengan nilai t hitung sebesar 6,506 dan nilai signifikansi sebesar 0,000. Sementara itu, perilaku pencatatan pengeluaran tidak berpengaruh signifikan terhadap perilaku menabung dengan nilai t hitung sebesar 1,849 dan nilai signifikansi sebesar 0,067. Temuan penelitian membuktikan bahwa perilaku menabung mahasiswa lebih dipengaruhi oleh kemampuan perencanaan keuangan melalui penyusunan anggaran dan pemanfaatan teknologi pembayaran digital dibandingkan aktivitas pencatatan pengeluaran.

Financial Literacy, Financial Behavior (FoMO), and Influencers Determinants of Investment Decision Members of the Investment Gallery Forum of the Capital Market Study Group in Semarang City Erfina Vesnia Budiyanti; Agus Prayitno; Diana Puspitasari; Maria Safitri
Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2026): Maret 2026
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v5i1.15491

This study aims to analyze the influence of financial literacy, financial behavior (Fear of Missing Out/FoMO), and influencers on investment decision-making among members of the Investment Gallery – Capital Market Study Group in Semarang City. The research employed a quantitative approach using purposive sampling, involving 155 respondents consisting of members, administrators, and interns of investment galleries who already possess a Single Investor Identification (SID). Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS 25. The results reveal that all three independent variables—financial literacy, financial behavior (FoMO), and social media influencers—have a positive and significant effect on investment decisions. Among these variables, financial literacy has the most dominant influence with a coefficient value of 0.706, followed by financial behavior (FoMO) with 0.194, and influencers with 0.134. Collectively, these variables explain 48.1% of the variation in investment decision-making. The findings indicate that a strong understanding of financial concepts, psychological motivation to avoid missing out, and digital social influence from credible influencers are key factors shaping rational investment decisions among young investors.

Pengaruh Volume, Volatilitas, dan Market Cap terhadap Return Bitcoin, Ethereum, BNB 2022-2024 Muhammad Faraz Alan Albana; Maria Safitri; Dwi Eko Waluyo; Amalia Nur Chasanah
Jurnal Manajemen Bisnis dan Keuangan Vol 7 No 1 (2026): April 2026
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v7i1.500

Perkembangan mata uang kripto sebagai instrumen investasi digital telah mengalami pertumbuhan pesat dalam beberapa tahun terakhir. Namun, pasar mata uang kripto juga sering mengalami fenomena crypto winter, yaitu periode penurunan harga aset kripto yang signifikan yang menyebabkan volatilitas tinggi dan meningkatnya ketidakpastian pasar. Mengingat keadaan ini, sangat krusial guna memeriksa volume perdagangan, volatilitas harga, serta kapitalisasi pasar, di antara variabel-variabel lain, yang bisa memengaruhi keuntungan mata uang kripto. Maksud dari studi ini ialah guna mengkaji bagaimana volatilitas, volume perdagangan, dan kapitalisasi pasar memengaruhi imbal hasil Bitcoin, Ethereum, dan BNB selama periode 2022–2024. Riset ini menerapkan teknik kuantitatif dengan menggunakan data sekunder dari Binance Coin (BNB), Bitcoin, dan Ethereum setiap hari dari tahun 2022 hingga 2024. Regresi data panel, dibantu oleh EViews 13, dipergunakan untuk menganalisa data. Temuan mengindikasikan bahwasanya pengembalian bitcoin dipengaruhi secara positif serta signifikan oleh volatilitas harga, tetapi tidak terpengaruh oleh volume perdagangan dan kapitalisasi pasar. Berlandaskan hasil ini, volatilitas harga, bukan variabel seperti volume perdagangan atau kapitalisasi pasar, ialah penentu utama perubahan return bitcoin.

Pengaruh Loan Disburesement, Non – Performing Loan (NPL), dan Current Account Saving Account (CASA) Rasio Terhadap Profitabilitas Bank Himbara dan Bank Asing Ghefira Nida Aulia; Maria Safitri; Agus Prayitno; Diana Puspitasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i8.11998

This study aims to determine the effect of the amount of credit disbursed (Loan Disbursement) based on economic sectors, non-performing loans (NPL), current accounts - savings accounts (CASA) on the profitability of national banks and foreign banks operating in Indonesia. The approach used is descriptive quantitative research. The data sources used in this study come from financial reports and annual reports in the banking sector. The collected data were analyzed using IBM SPSS Statistics 26 statistical software by looking at descriptive statistical tests, classical assumption tests and multiple regression analysis. The results of the study prove that only credit disbursement in the service and business sectors has a positive and significant effect on ROA, while credit disbursement in the construction, trade, and agriculture sectors has a positive but insignificant effect, and credit disbursement in the mining sector has a negative and insignificant effect. NPL has a negative but insignificant effect on ROA, while CASA has a positive and significant effect on ROA. This study confirms that bank profitability is not only determined by the volume of credit disbursement and asset quality, but is also greatly influenced by the efficiency of the funding structure as reflected in the large proportion of CASA funds. Therefore, a banking strategy focused on quality credit growth in productive sectors, consistent NPL control, and increasing the proportion of CASA funds are key factors in strengthening banking financial performance in the long term.

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