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All Journal Jurnal Ekonomi Seminar Nasional Informatika (SEMNASIF) Jurnal Muara Ilmu Ekonomi dan Bisnis Jurnal Bakti Masyarakat Indonesia Jurnal Manajerial Dan Kewirausahaan International Journal of Application on Economics and Business Jurnal Serina Abdimas
Khairina Natsir, Khairina
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Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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FINANCIAL, NON-FINANCIAL, AND MACRO-ECONOMIC FACTORS THAT AFFECT THE FIRST DAY PROFIT RATE WHEN CONDUCTING INITIAL PUBLIC OFFERING Ruth Pranadipta; Natsir, Khairina
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.276-289

Abstract

The intention of this research is to specify and analyze the influence of profitability, financial leverage, company age, underwriters, and inflation on the first day profit rate for firms that conduct initial public offerings on the Indonesia Stock Exchange (IDX). There were 212 firms that went public and were listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period. This study resulted in 172 companies as research samples. Purposive sampling method is a sampling technique utilized in this research. Data analysis utilized cross-sectional data with multiple linear regression analysis method which was processed using Eviews12 software. The results showed that profitability, financial leverage, and age of the company had no significant effect on the first day's profit rate. Meanwhile, underwriter reputation and inflation have a significant effect on the first day's profit rate.
THE IMPLEMENTATION OF TECHNOLOGY ACCEPTANCE MODEL IN ANALYZING ATTITUDES TOWARD THE ADOPTION OF FINTECH Natsir, Khairina; Arifin, Agus Zainul; Darmawan, Herie
International Journal of Application on Economics and Business Vol. 1 No. 2 (2023): May 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i2.386-400

Abstract

The intention of this study is to find empirical prooving regarding the relationship model of Perceived Risk, Perceived Ease-of-Use, and Perceived Usefulness against Attitudes Toward the Adoption of FinTech, by adopting the Technology Acceptance Model theoretical approach. The source of the data used is primary data derived from questionnaires which are distributed directly to respondents using a questionnaire with a Google Form format. Respondents are limited to users of banking services and marketplaces who are domiciled in Jakarta and its surroundings. Data were collected using non-probability sampling method. The instrument used is a structured questionnaire of 14 questions which are arranged based on indicators and dimensions derived from each variable. This study uses the multiple regression method with the support of the Smart PLS version 3. The finding of this study show that Perceived Risk, Perceived Ease-of-Use, and Perceived Usefulness have a positive effect on Attitudes Toward the Adoption of FinTech Services.
DETERMINANTS OF DEBT POLICY IN CONSUMER GOODS COMPANY IN INDONESIA Bangun, Nurainun; Natsir, Khairina; Ngadiman , Ngadiman
International Journal of Application on Economics and Business Vol. 1 No. 3 (2023): Agustus 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i3.946-956

Abstract

The intended of this study was to determine the effect of business risk, non-debt tax shields, and firm size on debt policy. The population consists of companies that in the 2019-2021 period are listed on the Stock Exchange in the consumer goods group. Purposive sampling technique was applied to select samples from as many as 74 companies, of which 40 consumer goods companies met the criteria, so that in total there were 120 research data. Data analysis was carried out using Multiple Linear Regression and data processing data is supported by EViews 12. The findings of this research show that changes in company size will move debt policy in a significant and positive direction. Meanwhile, business risk and nonndebt taxxshields have insignificant effect on debttpolicy for companies in the consumerrgoods group registered on the Indonesia StockkExchange.
THE DETERMINANTS OF COMPANY’S FINANCIAL DISTRESS Jonnardi, Jonnardi; Bangun, Nurainun; Natsir, Khairina
International Journal of Application on Economics and Business Vol. 1 No. 3 (2023): Agustus 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i3.1613-1624

Abstract

An economic recession like the current one due to the global pandemic is causing financial difficulties for many companies. Nowadays it is important for companies to be aware of and observe their financial condition. Financial distress is a bad condition impression of a company when the company is no longer able to generate sufficient income or profit, so that its financial obligations cannot be paid. Financial distress is an early symptom of corporate bankruptcy. This study aims to obtain empirical evidence about the effect of profitability, size of the board of directors, and institutional ownership on financial distress. The companies used in this study were 63 companies taken from the various industrial sectors and the basic & chemical industrial sector listed on the Indonesia Stock Exchange in 2017-2019. Purposive sampling was used in this study to determine the sample. Multiple regression panel data and the EViews 11 application are used as data analysis tools. Some of the tests carried out were multicollinearity test, Chow test, Hausman test, t test and coefficient of determination test. The results showed that profitability, board of director’s size and institutional ownership have affecting significantly on financial distress.
FINANCIAL INCLUSION IN THE USE OF DIGITAL BANKING SERVICES IN JAKARTA Natsir, Khairina; Arifin, Agus Zainul; Ronald , Ronald
International Journal of Application on Economics and Business Vol. 1 No. 4 (2023): November 2023
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v1i4.2477-2493

Abstract

Financial inclusion involves providing access to safe, convenient and affordable financial services for other disadvantaged and vulnerable groups, including low-income, rural and undocumented communities, who have been underserved or excluded from the formal financial sector. One of the services is provided by the bank to support the smooth and easy banking activities such as in transactions and other activities. This study aims to investigate and find empirical evidence about Financial Inclusion in the Use of Digital Banking Services in Jakarta. The population of this study is people who have digital banking mobile banking services who are already working and domiciled in DKI Jakarta, while the object of research is limited to Financial Knowledge, Financial Literacy, and Financial Inclusion. The sampling technique used purposive random sampling. The primary data is getting from questionnaire distributed and filled out by respondents. Data analysis was carried out using SmartPLS software, where two categories of tests were carried out, namely the outer and the inner model tests. The results show that Financial Knowledge influenced on Financial Literacy, Financial Literacy significantly influenced on Financial Inclusion, Financial Knowledge significantly influenced on Financial Inclusion, and Financial Literacy significantly enable to mediate the influence of Financial Knowledge on Financial Inclusion.
ANALYSIS FF FACTORS AFFECTING PROFIT GROWTH OF CELLULAR TELECOMMNUNICATION OPERATOR COMPANIES ON THE INDONESIAN STOCK EXCHANGE Rahmat, Burhan Irsali; Natsir, Khairina
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.3016-3024

Abstract

A comparison will be made between the Current Ratio (CR), Net Profit Margin (NPM), and Return on Assets (ROA) in connection to the increase of profits in infrastructure-related cellular telecommunications operator enterprises (XL, Telkomsel, Smartfren, and Indosat) between the years 2016 and 2022. A number of tests are included in the research protocol. These tests are as follows: the Chi-Square test (CoW) for selecting a common effect model, the likelihood ratio test (LM) for selecting a random effect model, the Breusch-Pagan test for detecting heteroscedasticity, the Multicollinearity test for identifying multicollinearity, the regression test with the common effect model (CEM) for determining the effect of independent variables on earnings growth, and the coefficient of determination test for determining the ability of CR, NPM, and ROA to explain earnings growth variability. The data indicates that the activities of mobile telecom operator enterprises operating within the infrastructure sector had a positive influence on the increase of profits derived from CR, NPM, and ROA. In accordance with the results of the LM test, the Common Effect Model is more appropriate than the Random Effect Model. In addition, the Breusch-Pagan test shows the absence of heteroscedasticity in the model. Multicol test also confirmed the absence of multicollinearity problem in the analysis. This study provides important insights into the factors that influence earnings growth in the mobile telecommunications industry in the infrastructure sector. These results can assist company management in designing more effective financial strategies to achieve better earnings growth.
THE EFFECT OF CORPORATE GOVERNANCE ON UNDERPRICING DURING THE INITIAL PUBLIC OFFERING Natsir, Khairina; Ngadiman , Ngadiman; Pranadipta, Ruth
International Journal of Application on Economics and Business Vol. 2 No. 1 (2024): February 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i1.3051-3068

Abstract

Initial public offering (IPO) is the main gateway for private institutions to adapt to public business and list company shares on the capital market for trading. By conducting an IPO, an institution can obtain funding from the public to pay for company expansion. One phenomenon that is often encountered by business actors conducting an IPO is an underpricing situation, namely a situation where the share price offered in the primary market is lower than the share price in the secondary market. As a manifestation of the company's obligation to use public price ranges, it is the responsibility of companies across society to manage and use public funds well, transparently and accountably, so that good corporate governance can be implemented well. The aim of this research is to analyze the influence of corporate governance on underpricing in organizations conducting IPOs on the Indonesian Capital Market for the 2017-2022 period. Corporate governance is measured through the scale of the board of commissioners, independence of the board of commissioners, management ownership and institutional share ownership. There are 305 groups providing initial public services and indexed on the IDX throughout the 2017-2022 period. Random sampling techniques are used to select samples. The analysis uses a robust linear regression evaluation method. The findings of this research show that the magnitude of the board of commissioners has no effect on underpricing, the of independence commissioners has an impact on underpricing, while management proportion ownership and institutional proportion ownership have a fairly large negative effect on underpricing.
PENGGUNAAN QRIS SEBAGAI ALAT PEMBAYARAN DIGITAL UNTUK MENINGKATKAN PRODUKTIVITAS UMKM Natsir, Khairina; Bangun, Nurainun; Attan, Michelle Britney; Landias, Joceline Sagita
Jurnal Serina Abdimas Vol 1 No 3 (2023): Jurnal Serina Abdimas
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jsa.v1i3.26208

Abstract

ABSTRACT E-wallet has become the primary payment method for micro, small, and medium enterprises (MSMEs) apart from cash. The convenience and ease of using e-wallets have made them a popular choice among the public. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment Systems Association on August 17, 2019, serves as a non-cash payment standard based on QR Codes. QRIS integrates non-cash payment systems across Indonesia, reducing the need for multiple QR Codes. Starting from January 1, 2020, services such as GoPay, OVO, and Bank Syariah Mandiri have implemented QRIS.This initiative focuses on MSMEs in RW 09, Kelapa Dua, Tangerang. Many MSMEs in this area, particularly small kiosks, have yet to adopt QRIS despite its potential to expedite transactions and record-keeping. The engagement involves conducting a training session on QRIS usage on May 6, 2023, in Kelurahan Kelapa Dua, Tangerang. A total of 25 participants are invited to learn about utilizing QRIS as a payment method and for business reporting. ABSTRAK E-wallet telah menjadi model pembayaran utama selain tunai bagi UMKM. Kemudahan dan kenyamanan menggunakan e-wallet menjadikannya pilihan masyarakat. QRIS, diperkenalkan oleh Bank Indonesia dan Asosiasi Sistem Pembayaran Indonesia pada 17 Agustus 2019, adalah standar pembayaran nontunai berbasis QR Code. QRIS mengintegrasikan sistem pembayaran nontunai di Indonesia, mengurangi kebutuhan akan banyak QR Code. Sejak 1 Januari 2020, layanan seperti GoPay, OVO, dan Bank Syariah Mandiri menerapkan QRIS. Kegiatan pengabdian ini berfokus pada UMKM di RW 09, Kelapa Dua, Tangerang. UMKM di daerah ini, terutama warung kecil, belum mengadopsi QRIS, meski bisa mempercepat transaksi dan pencatatan. Kegiatan pengabdian meliputi pelatihan penggunaan QRIS pada 6 Mei 2023 di Kelurahan Kelapa Dua, Tangerang. Ada 25 peserta yang diundang untuk belajar tentang penggunaan QRIS sebagai metode pembayaran dan pelaporan usaha.
PELATIHAN LITERASI KEUANGAN UNTUK MENDORONG PERKEMBANGAN BISNIS UMKM Natsir, Khairina; Attan, Michelle Britney; Landias, Joceline Sagita
Jurnal Serina Abdimas Vol 1 No 3 (2023): Jurnal Serina Abdimas
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jsa.v1i3.26217

Abstract

ABSTRACT MSMEs are the most important pillar in the Indonesian economy. Due to the Covid-19 pandemic, millions of people have lost their jobs, forcing them to find new sources of income. Most people look at opportunities as businessmen for MSME actors who seem quite promising. Thus causing an increase in the number of business people or MSME actors, especially in the food and beverage industry sector. But unfortunately, the increase in the quantity of MSMEs has not been in line with the knowledge or competence of novice MSME business people who are more focused on production and sales, without any thought for planning to improve better business development. Partners are culinary MSME business people in Kelapa Dua Village, Tangerang. When the PKM team visited the Kelapadua sub-district office, the team discussed the development of MSMEs in the Kelapadua area. The information obtained is the increasing number of MSME businesses in this region. The team conducted dialogue with MSME actors to absorb the problems experienced in running the business. From the results of the interactions with the business people visited, it can be seen that some of the problems are quite crucial, among others, there is no clear plan regarding future business prospects, financial management has not been implemented, there is no cash flow management, there is no emergency fund supply, and so on. . So in this regard, counseling has been carried out for MSME actors located in Kelapadua Village, Tangerang by choosing the theme of financial literacy education so that the business being run can develop better. The number of training participants was 20 people. ABSTRAK UMKM merupakan pilar terpenting dalam perekonomian Indonesia. Akibat pandemi Covid-19 menyebabkan jutaan orang kehilangan pekerjaan, sehingga terpaksa harus mencari sumber penghasilan yang baru. Sebagian besar masyarakat melirik peluang sebagai pebisnis pelaku UMKM yang tampaknya cukup menjanjikan. Sehingga menyebabkan terjadinya peningkatan jumlah pebisnis atau pelaku UMKM, terutama di sektor industri makanan dan minuman. Namun sayangnya, peningkatan kuantitas UMKM belum sejalan dengan pengetahuan atau kompetensi pelaku bisnis UMKM pemula yang lebih fokus terhadap produksi dan penjualan, tanpa pemikiran untuk perencanaan meningkatkan pengembangan bisnis yang lebih baik. Mitra adalah para pelaku bisnis UMKM kuliner di Kelurahan Kelapa Dua, Tangerang. Ketika tim PKM melakukan kunjungan ke kantor kelurahan Kelapadua, tim berdiskusi tentang perkembangan UMKM di wilayah Kelapadua. Informasi yang diperoleh adalah semakin maraknya usaha UMKM di wilayah ini. Tim melakukan dialog dengan dengan pelaku UMKM guna menyerap permasalahan yang dialami dalam menjalankan bisnis. Dari hasil interaksi dengan para pelaku bisnis yang dikunjungi terlihat beberapa masalah yang cukup krusial, antara lain, tidak mempunyai perencaaan yang jelas tentang prospek bisnis ke depannya, manajemen keuangan belum berjalan, tidak ada pengelolaan arus kas, tidak ada persediaan dana darurat, dan lain sebagainya. Maka berkaitan dengan hal tersebut telah dilakukan penyuluhan kepada pelaku UMKM bertempat di Kelurahan Kelapadua, Tangerang dengan memilih tema tentang edukasi literasi keuangan agar bisnis yang dijalankan dapat berkembang lebih baik. Jumlah peserta pelatihan sebanyak 20 orang.
STRATEGI UMKM MENGHADAPI PERUBAHAN PERILAKU KONSUMEN DI ERA DIGITAL Natsir, Khairina; Bangun, Nurainun
Jurnal Serina Abdimas Vol 2 No 3 (2024): Jurnal Serina Abdimas
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jsa.v2i3.31904

Abstract

To face the challenges of today's digital era, marketing strategies must be changed. Changes in consumer behavior are the main component that influences changes in marketing strategy. As today's customers access information more frequently via the internet and social media, organizations must change the way they understand customer preferences and desires. The aim of this community service activity is to increase public awareness about the phenomenon of changes in marketing strategies that occur in facing challenges in the digital era. The activity method is training. Due to changes in consumer behavior, industrial problems, and the pace of technological progress, it is hoped that this activity will help MSMEs create innovative and creative marketing strategies. In today's era of computers and the internet, managing change has become crucial to dealing with difficulties and taking advantage of opportunities. Business owners are also advised by team to use technology to help their management processes. By using innovative, data-driven marketing strategies, businesses can succeed in today's tight digital marketplace. Future business success depends not only on mastery of technology, but also on the ability to innovate, adapt and understand market dynamics. MSMEs must be able to manage change effectively and take advantage of new possibilities. Community service activities were carried out on March 30 2024 in Kelapa Dua Village, Tangerang, and the participating partners were MSMEs who work in the culinary, creative and fashion industries. Mitra has experienced a decline in customers since the pandemic due to customer preferences for shopping online, which is easier, cheaper and more efficient. ABSTRAK Untuk menghadapi tantangan di era digital saat ini, strategi pemasaran harus diubah. Perubahan dalam perilaku konsumen adalah komponen utama yang mempengaruhi perubahan strategi pemasaran. Karena pelanggan saat ini lebih sering mengakses informasi melalui internet dan media sosial, organisasi harus mengubah cara mereka memahami preferensi dan keinginan pelanggan. Tujuan dari kegiatan pengabdian masyarakat ini adalah untuk meningkatkan kesadaran masyarakat tentang fenomena perubahan strategi pemasaran yang terjadi dalam menghadapi tantangan di era digital. Metode kegiatan berbentuk pelatihan. Karena perubahan perilaku konsumen, masalah industri, dan laju kemajuan teknologi, kegiatan ini diharapkan akan membantu para pelaku UMKM menciptakan strategi pemasaran yang inovatif dan kreatif. Di era komputer dan internet saat ini, mengelola perubahan menjadi sangat penting untuk menangani kesulitan dan memanfaatkan peluang. Pemilik bisnis juga disarankan oleh tim pkm untuk menggunakan teknologi untuk membantu proses manajemen mereka. Dengan menggunakan strategi pemasaran inovatif dan berbasis data, bisnis dapat berhasil di pasar digital yang sangat ketat saat ini. Kesuksesan bisnis di masa depan tidak hanya bergantung pada penguasaan teknologi, tetapi juga pada kemampuan untuk berinovasi, beradaptasi, dan memahami dinamika pasar. UMKM harus dapat mengelola perubahan secara efektif dan memanfaatkan berbagai kemungkinan baru. Kegiatan pengabdian masyarakat terlaksana pada tanggal 30 Maret 2024 di Kelurahan Kelapa Dua, Tangerang, dan mitra peserta adalah pelaku UMKM yang bekerja di industri kuliner, kreatif, dan fashion. Mitra mengalami penurunan pelanggan sejak pandemi karena preferensi pelanggan untuk berbelanja secara online, yang lebih mudah, lebih murah, dan lebih efisien.
Co-Authors Alodia, Nadia Arifin, Agus Zainul Attan, Michelle Britney Chiandra, Febbyorent Darmawan, Herie Darryl, Darryl Devy, Devy Dra. Nurainun M.M.,Ak Bangun Fenny, Tara Aurellia Janet, Janet Jonnardi, Jonnardi Landias, Joceline Sagita MIMI, MIMI SA Ngadiman , Ngadiman Nursinta Adi Wahanani Oen, Sharon Angeline Pranadipta, Ruth Purwoto, Sutomo Rahmat, Burhan Irsali Ronald , Ronald Ruth Pranadipta SA, Mimi Selvia Variaty, Nadya Waani, Alfredo Marthen Wijoyo, Fanny yusbardini, yusbardini