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Pengelolaan Konflik Aktivitas Bisnis Perspektif Islam Pada Manajemen Pasar Induk Puspa Agro Jawa Timur Indraswari, Citra Rahayu; Nafik HR, Muhammad
Jurnal Ekonomi Syariah Teori dan Terapan Vol 1, No 5 (2014): Mei-2014
Publisher : Jurnal Ekonomi Syariah Teori dan Terapan

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Conflict is something that can not be separated in the process of management ofÂ the company. Conflict that managed well will be able to make a positive contribution to theÂ business activities and the achievement of corporate goals. This study used a qualitativeÂ research methodology with a case study approach. The selection of a qualitativeÂ methodology based on the problem formulation used in this studyThe results of this study indicate that the conflicts that happened in managementÂ Central Market Puspa Agro caused by internal and external factor. Internal factor is derivedÂ from obscurity powers, functions and roles, monitoring and evaluation weakness, slowness ofÂ responds to the problems, the competence of individual differences, the target and taskÂ interdependence. External factors consist of the presence of government policies andÂ industry demands. The effect of conflicts are functional and dysfunctional. Conflicts levelsÂ are low, optimal and high.Conflict management is applied by stimulation, reduction of conflict and conflictÂ resolution methods. Conflict stimulation methods include the application of the system ofÂ reward and punishment and the different treatment of habit . Conflict reduction methodsÂ include the provision of a forum for dialogue, joint activities and creating new challenges.Â Conflict resolution methods include the expansion of resources, compromise, change theÂ variable structure of the company, avoiding and otorative command.

Exploring the Relationship Between Diversification, Risk Bank, Size Bank, And Liquidity; Evidence From Conventional Banking In Indonesia Indraswari, Citra Rahayu; Sari, Kartika; Anggraeni, Puspitasari Wahyu
EcceS: Economics, Social, and Development Studies Vol 10 No 2 (2023): December
Publisher : Economics Department, Faculty of Economic and Islamic Business, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ecc.v10i2.41087

Banking plays an important role in the economy both micro and macro. In addition, it is crucial for a country to have a strong and robust banking system. To realize a strong and robust banking banks need to maintain their efficiency. Therefore, it is necessary to identify the factors that affect efficiency, including asset diversification, risk, bank size and bank liquidity. The novelty of this research is that there is an asset diversification variable. Asset diversification can protect investors from recurring investment cycles and can save from asset failure. The sample of this research are conventional banks with a total of 10 banks that have the largest share of assets in Indonesia. In this study to identify the effect of asset diversification, bank risk, bank size, and bank liquidity on bank efficiency used multiple linear regression analysis methods were used. This study concludes that asset diversification actually reduces bank efficiency. The increased bank risk, the better efficiency. Then, the size of the bank and liquidity have no effect on efficiency. Therefore, banks need to review the diversification strategy, ensure that the risks associated with each asset and portfolio as a whole are well-identified and look for opportunities to automate repetitive processes and reduce overall operational costs. Through this research, we suggest, (i) Banks need to review the diversification strategy that has been implemented. There may be some areas or types of assets that do not fit the risk profile and objectives of the bank, (ii) Banks need to ensure that the risks associated with each asset and portfolio as a whole are well-identified, measured and managed, (iii) Banks need to look for opportunities to automate repetitive processes and reduce overall operational costs.

Boardgame Business Craft dan Lego Serious Play dengan Pendekatan Design Thinking sebagai Media Mengajar bagi Guru Ekonomi SMA Se-Malang Raya Satria, Dias; Indraswari, Citra Rahayu; Aurellia, Patricia Juan; Sukriyah, Sukriyah
Jurnal Inovasi Pengabdian dan Pemberdayaan Masyarakat Vol 3 No 2 (2023): JIPPM - Desember 2023
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jippm.187

Kegiatan pengabdian ini berupa pelatihan metode belajar bagi guru ekonomi SMA se-Malang Raya menggunakan boardgame Business Craft dan LEGO Serious Play dengan pendekatan Design Thinking. Pengabdian ini dilakukan karena pentingnya pengembangan metode pembelajaran yang inovatif dan efektif dalam mengajarkan konsep ekonomi kepada siswa SMA. Metode pengabdian ini meliputi pelatihan kepada guru ekonomi SMA menggunakan boardgame Business Craft dan LEGO Serious Play. Pendekatan Design Thinking digunakan untuk merancang strategi pembelajaran yang berfokus pada pemahaman konsep ekonomi melalui pengalaman praktis dan kreatif. Hasil pengabdian menunjukkan bahwa pelatihan ini meningkatkan pemahaman guru tentang konsep ekonomi dan meningkatkan keterampilan mereka dalam merancang pembelajaran yang menarik dan efektif. Keberhasilan pengabdian ini sangat penting karena guru yang terampil dalam mengajar ekonomi dapat memberikan pengalaman belajar yang lebih bermakna bagi siswa, membantu mereka memahami konsep ekonomi dengan lebih baik. Dengan demikian, peningkatan kualitas pengajaran ekonomi di SMA dapat berkontribusi pada peningkatan pemahaman siswa tentang masalah ekonomi yang kompleks. Kesimpulannya, pelatihan ini memiliki potensi besar untuk meningkatkan kualitas pendidikan ekonomi di SMA se-Malang Raya.

Digitalisasi Data dan Roadmap Pengembangan IKM (Industri Kecil dan Menengah) di Kabupaten Tuban Satria, Dias; Indraswari, Citra Rahayu; Purwanto, Muhammad Rizqy
Jurnal Inovasi Pengabdian dan Pemberdayaan Masyarakat Vol 3 No 2 (2023): JIPPM - Desember 2023
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jippm.195

Industri Kecil dan Menengah (IKM) memiliki peran penting dalam ekonomi Indonesia, terutama dalam menciptakan lapangan kerja, meningkatkan pendapatan, dan mengurangi pengangguran serta kemiskinan. Pemerintah Indonesia telah meluncurkan berbagai program untuk memajukan sektor IKM, seperti One Village One Product (Ovop), Creative Business Incubator, Indonesian Food Innovation, dan Modest Fashion Project. Digitalisasi data IKM menjadi kunci dalam meningkatkan efisiensi, produktivitas, dan kualitas produk, dengan manfaat yang melibatkan pemerintah, pelaku IKM, dan masyarakat. Kabupaten Tuban memiliki potensi besar untuk pengembangan IKM, tetapi masih menghadapi tantangan seperti kualitas produk yang rendah dan akses yang terbatas. Digitalisasi data diharapkan dapat membantu mengatasi masalah ini dengan memungkinkan akses yang lebih mudah, pengambilan keputusan yang lebih baik, dan peningkatan produktivitas. Selain digitalisasi data, dibutuhkan sebuah roadmap pengembangan yang untuk mengatasi tantangan yang dihadapi oleh IKM di Kabupaten Tuban. Pengabdian tentang Digitalisasi Data dan Roadmap Pengembangan IKM di Kabupaten Tuban menganalisis tantangan dan peluang yang dihadapi oleh IKM di Kabupaten Tuban. Pelaksanaan kegiatan ini menunjukan bahwa data digitalisasi memiliki peran kunci dalam meningkatkan efisiensi, produktivitas, dan kualitas produk di sektor Industri Kecil dan Menengah (IKM) di Tuban Regency, Indonesia. Beberapa rekomendasi program seperti inkubasi, akselerasi, dan promosi perlu dilakukan oleh Pemerintah Kabupaten Tuban sebagai bagian dari pengembangan IKM di Kabupaten Tuban.

Determinants of Efficiency: Asset Diversification, Risk, Bank Size, and Liquidity Indraswari, Citra Rahayu; Sari, Kartika
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.11235

Banking plays an important role in the economy both micro and macro. In addition, it is crucial for a country to have a strong and robust banking system. To realize a strong and robust banking banks need to maintain their efficiency. Therefore, it is necessary to identify the factors that affect efficiency, including asset diversification, risk, bank size and bank liquidity. The sample of this research are conventional banks with a total of 10 banks that have the largest share of assets in Indonesia. In this study to identify the effect of asset diversification, bank risk, bank size, and bank liquidity on bank efficiency used multiple linear regression analysis methods were used. This study concludes that asset diversification actually reduces bank efficiency. The increased bank risk, the better efficiency. Then, the size of the bank and liquidity have no effect on efficiency. Therefore, banks need to review the diversification strategy, ensure that the risks associated with each asset and portfolio as a whole are well-identified and look for opportunities to automate repetitive processes and reduce overall operational costs.DOI : 10.26905/jkdp.v27i3.11235

PERAN MASYARAKAT DALAM PENGELOLAAN SAMPAH RUMAH TANGGA Putra Abrianto, Andika Bimantara; Indraswari, Citra Rahayu
Journal of Development Economic and Social Studies Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2024.03.2.22

Waste is the most common thing discussed in every community, especially how to manage it. With the large population of the world community, more and more waste is generated around the environment which will cause pollution. The problem that can be taken is how the community manages household waste. The method used is a descriptive qualitative method, which is the main focus in the community that manages household waste and how to overcome it in the future.

PENGARUH STRUKTUR MODAL TERHADAP PROFITABILITAS BANK PADA DUAL BANKING SYSTEM DI INDONESIA Wu, Cherrin Nathania; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.03.2.02

The dual banking system in Indonesia still faces the problem of inadequate capitalization with a high level of leverage. This study aims to analyze the effect of capital structure on bank’s profitability in Dual Banking System in Indonesia. The data analysis method used is panel data regression and difference test on 8 conventional banks and 8 Islamic banks. Panel data regression is intended to identify the influence of capital structure proxied through DER and CAR ratios on profitability (ROA) with control variables of bank size and asset’s growth. The secondary data used is annual report data for the period 2013-2022 sourced from OJK. The estimation results on conventional banking show that the DER and growth variable has a significant positive impact on profitability, while CAR and bank size have no significant influence on profitability. Then, in Islamic banking, DER has a significant negative influence on profitability performance, while CAR and growth have no significant influence on Islamic bank’s profitability performance. Meanwhile, bank size is proven to affect the Islamic bank’s profitability performance. Through a t-test, there is a significant difference in profitability performance and capital structure between the two banking systems in Indonesia.

PENGARUH EARNING PER SHARE, RETURN ON ASSET, NET PROFIT MARGIN, DAN DIVIDEND PAYOUT RATIO TERHADAP HARGA SAHAM PERUSAHAAN SEKTOR MANUFAKTUR YANG TERDAFTAR DI BEI PERIODE 2017 - 2023 Putri, Anastasya Azzahra Maharani; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.4.10

Manufacturing is one sector of the Indonesian economy that is quite important and that draws a lot of interest from investors. Before buying or selling shares, investors should keep an eye on the company's performance to minimize potential risks. The purpose of this study is to ascertain how EPS, ROA, NPM, and DPR affect the share price of manufacturing sector businesses that are listed on the IDX between 2017 and 2023. Previous research yielded varying outcomes since it focused on a single manufacturing subsector. The quantitative research approach is panel data regression analysis. The study's conclusions indicate that whereas EPS and ROA have a considerable impact on stock prices, NPM and DPR do not. The combination of EPS, ROA, NPM, and DPR significantly affects stock price. With these results, it is expected that companies can focus on strategies to increase EPS and ROA to increase investor attractiveness and stock prices.

The Effects of Credit Risk, Liquidity Risk, And Capital on Profitability in State-Owned Bank Association with Credit Restructuring as The Moderator Aghata Christy Cahya Widhi Andini; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.1.05

Credit restructuring is an important things for managing credit risk and improving bank financial stability. However, the effect on profitability varies depending on the context and how this process affects credit risk, liquidity risk, and capital adequacy. This research aims to determine how the new policy of Indonesian Financial Accounting Standard 71 (PSAK 71) which regulates Allowance for Impairment Losses (CKPN) helps in supporting optimal credit restructuring, so that the variables analyzed include NPL, LDR, and CAR which affect ROA with credit restructuring as a moderation. The data analysis technique used is Moderated Regression Analysis (MRA). The data used is secondary data from Himbara's financial reports covering data from 2016 to 2023 on a quarterly basis. The research results found that partially NPL and CAR had an effect on ROA while LDR had no effect on ROA. While credit restructuring weakens the influence of NPL and CAR on ROA, credit restructuring strengthens the influence of LDR on ROA. In this research, credit restructuring acts as a pure moderator. Abstrak Restrukturisasi kredit adalah alat penting untuk mengelola risiko kredit dan meningkatkan stabilitas keuangan bank. Namun, efeknya terhadap profitabilitas bervariasi tergantung pada konteks dan bagaimana proses ini mempengaruhi resiko kredit, resiko likuiditas, dan kecukupan modal. Penelitian ini bertujuan untuk mengetahui bagaimana kebijakan baru Standar Akuntansi Keuangan Indonesia 71 (PSAK 71) yang mengatur tentang Cadangan Kerugian Penurunan Nilai (CKPN) membantu dalam mendukung restrukturisasi kredit yang optimal, sehingga variabel yang dianalisis meliputi NPL, LDR, dan CAR yang mempengaruhi ROA dengan restrukturisasi kredit sebagai moderasi. Teknik analisis data yang digunakan adalah Moderated Regression Analysis (MRA). Data yang digunakan adalah data sekunder laporan keuangan Himbara mencakup data dari tahun 2016 hingga 2023 secara triwulan. Hasil penelitian menemukan bahwa secara parsial NPL dan CAR berpengaruh terhadap ROA sedangkan LDR tidak berpengaruh terhadap ROA. Serta restrukturisasi kredit memperlemah pengaruh NPL dan CAR terhadap ROA, namun restrukturisasi kredit memperkuat pengaruh LDR terhadap ROA. Dalam penelitian ini restrukturisasi kredit berperan sebagai moderator murni.

The Influence of Corporate Governance and Corporate Profitability on Corporate Value with CSR Disclosure as a Mediator Dewi Regita Cahyanti; Indraswari, Citra Rahayu
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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This study is based on the importance of enhancing Corporate Value through sound governance practices and strong profitability, while considering the role of Corporate Social Responsibility (CSR) disclosure as a mediating mechanism. The study aims to analyze the influence of Corporate Governance and Corporate Profitability on Corporate Value, as well as to examine the mediating role of CSR disclosure in these relationships. A quantitative approach was employed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method, with secondary data obtained from the annual reports of primary dealer banks listed on the Indonesia Stock Exchange during the 2016–2023 period. The results show that Corporate Governance has a significant positive effect on CSR disclosure, while Corporate Profitability has no significant effect. However, neither Corporate Governance nor CSR disclosure has a significant effect on Corporate Value. In contrast, Corporate Profitability has a significant positive effect on Corporate Value. Furthermore, CSR disclosure does not mediate the relationship between either Corporate Governance or Corporate Profitability and Corporate Value. These findings imply that profitability remains the main factor considered by investors in assessing firm value, while CSR is not yet perceived as a value-driving factor in the banking sector.

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