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All Journal Jurnal Bisnis dan Ekonomi Jurnal Studi Manajemen Organisasi Jurnal Manajemen Bisnis Pro Bisnis Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Analisis Bisnis Ekonomi SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Performance FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Journal of Social Science Indonesian Journal of Islamic Business and Economics (IJIBE) Solidaritas: Jurnal Pengabdian Journal of International Conference Proceedings Journal of Social Science Jurnal Analisis Bisnis Ekonomi
Intan Shaferi, Intan
Universitas Jenderal Soedirman
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The Sharia Fintech Product on Bank Performance during COVID-19 Pandemic Laksana, Rio Dhani; Shaferi, Intan; Aydogmus, Ilkay
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.16521

Abstract

Throughout the COVID-19 epidemic, the Fintech sector has continued to increase access to financial services, especially in developing nations. This study aims to look at how Indonesian Sharia banks' performance is affected by Sharia fintech products (FTPs). Sharia fintech products are a combination of financial and technological innovations that can facilitate customers' transactions and investment processes based on rules and Islamic law so that customers intend to use the Sharia fintech products and then perform well in the bank. This study used 250 Sharia bank customers given self-designed questionnaires as part of our data collection. This study looked at the fictitious relationship, and the results reveal that FTPs have a considerable impact on bank performance, as indicated by the path coefficient and t-value using correlation regression analysis. The study's findings perspectives on how convenient Sharia fintech products (FTPs) are for users. Clients are more receptive to FTPs when they see their use and simplicity in everyday tasks and work. The study's conclusions show that bank performance is positively and significantly impacted by Sharia fintech products of financial transaction platforms (FTPs). Also, the COVID-19 epidemic hastened changes in how people engage with financial services, leading to a hitherto unheard-of demand from poor countries to accelerate their transition to open and safe digital money.
Pengaruh Keuangan Islam dan Literasi Keuangan terhadap Kinerja UMKM Widianti, Hesti; Shaferi, Intan; Tuzaka, Eliya
Probisnis Vol 18, No 1: Februari (2025)
Publisher : Universitas Amikom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35671/probisnis.v18i1.2902

Abstract

Secara khusus, UMKM berkontribusi terhadap lapangan kerja dan PDB banyak negara di seluruh dunia. Di Uni Eropa (UE), mikro dan UKM memberikan sumbangan sebesar 56,4% dari nilai tambah oleh sektor bisnis non-keuangan. Sebagian besar UKM merupakan ciri ekonomi yang berkembang dengan baik; namun, hal ini bukanlah kondisi yang menentukan keberhasilan ekonomi. Dengan demikian, pengembangan UKM merupakan salah satu prioritas UE; sektor UKM didukung secara substansial, terutama untuk mendorong pertumbuhan ekonomi, meningkatkan lapangan kerja, dan mengatasi kemiskinan di daerah-daerah tertentu. Sektor UKM telah dipelajari secara ekstensif dan khusus. Sektor usaha kecil dan menengah (UKM) sangat penting bagi pembangunan ekonomi sebuah Negara. Beberapa penelitian telah dilakukan terkait dengan tentang literasi, keuangan Islam dan kinerja. Namun demikian, sebagian besar dari mereka dilakukan melalui survei terhadap populasi Muslim. Dalam penelitian ini, ada kombinasi survei dan eksperimen, khususnya dengan memberikan penyuluhan literasi tentang pembiayaan syariah kepada pengusaha non muslim untuk memberikan pengetahuan, literasi dan niat menggunakan pembiayaan syariah.
DETERMINANTS OF SHARIA FINANCE INCLUSION IN THE STUDENT ENVIRONMENT Pinilih, Muliasari; Shaferi, Intan; Purwadi, Purwadi; Sejati, Maulita Nur; Sain, Juwita Anggraini
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 2 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i2.9418

Abstract

This study aimed to analyze the influence of financial literacy, technology, and self-efficacy on Islamic financial inclusion. The investigation further examined the differences in Islamic inclusion levels across different student groups. In order to achieve the stated objective, data was collected through the administration of a questionnaire to 174 students, after which an analysis was carried out using the t-test, F-test, and independent test differential approaches. The obtained results showed that financial literacy had a partial influence, while financial technology had no effect on Sharia financial inclusion. Accordingly, financial self-efficacy was observed to influence Islamic financial inclusion only in the business and management student group and not in the non-business and management group. It is also important to state that the analysis results did not show any difference in Islamic financial inclusion and financial literacy, but a difference was found between financial technology and financial self-efficacy of the two groups.
Pengaruh Kinerja Keuangan Perbankan dan Suku Bunga sebagai Variabel Moderasi Terhadap Penyaluran Kredit Bank Perkreditan Rakyat Wijayanto, Muhammad Fido; Shaferi, Intan; Widiastuti, Ekaningtyas
Probisnis Vol 18, No 2: Agustus (2025)
Publisher : Universitas Amikom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35671/probisnis.v18i2.2881

Abstract

Penelitian ini dilakukan untuk menganalisis pengaruh kinerja keuangan perbankan dan suku bunga sebagai variabel moderasi terhadap penyaluran kredit Bank Perkreditan Rakyat. Penelitian ini menggunakan data panel dari laporan keuangan Bank Perkreditan Rakyat yang berlokasi di Kabupaten Banjarnegara, Purbalingga, Banyumas, Cilacap, dan Kebumen pada tahun 2017-2021. Teknik pengambilan sampel menggunakan purposive sampling dan mendapatkan total sampel sebanyak 24 bank selama 5 tahun pengamatan. Berdasarkan hasil penelitian dan analisis data mengguakan Eviews 12 menunjukkan bahwa: (1) CAR tidak berpengaruh terhadap penyaluran kredit, (2) DPK tidak berpengaruh terhadap penyaluran kredit, (3) NPL berpengaruh negatif terhadap penyaluran kredit, (4) LDR berpengaruh positif terhadap penyaluran kredit, (5) Suku bunga memoderasi pengaruh CAR terhadap penyaluran kredit, (6) Suku bunga memoderasi pengaruh DPK terhadap penyaluran kredit, (7) Suku bunga memoderasi pengaruh NPL terhadap penyaluran kredit. Implikasi pada penelitian ini yaitu bank diharapkan selalu memperhatikan kinerja keuangan perbankan, mematuhi Peraturan Bank Indonesia mengenai ketentuan tentang perbankan, dan menjaga tingkat penyaluran kredit kepada masyarakat.
Edukasi Literasi Keuangan Bagi Calon Technopreneur Pinilih, Muliasari; Shaferi, Intan; Septiani, Lutfia
Solidaritas: Jurnal Pengabdian Vol. 3 No. 1 (2023): Solidaritas: Jurnal Pengabdian
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat UIN Prof. K.H. Saifuddin Zuhri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/sjp.v3i1.8246

Abstract

Literasi keuangan merupakan salah satu kemampuan dasar yang harus dimiliki oleh seorang technopreneur. Aspek keuangan sangat perlu diperhatikan dalam melakukan kegiatan entrepreneur dikarenakan sebagai ujung tombak dalam keberlangsungan suatu usaha. Mahasiswa Prodi Informatika yang mendapatkan mata kuliah technopreneur atau technopreneurship perlu dibekali dengan literasi keuangan yang memadai selain kemampuan dalam penggunaan teknologi. Namun, sesuai dengan latar belakang prodi yang berfokus pada Informatika maka aspek keuangan ini masih kurang dipahami oleh mahasiswa sebagai calon technopreneur. Untuk mengatasi hal tersebut, perlu diadakan pengabdian edukasi mengenai literasi keuangan bagi mahasiswa Informatika sebagai dasar dalam pengelolaan keuangan bagi calon technopreneur. Metode pelaksanaan yang digunakan dibagi menjadi tiga tahap yaitu tahap pertama proses koordinasi dan persiapan, tahap kedua yaitu pelaksanaan, serta tahap ketiga yaitu evaluasi. Hasil kegiatan ini menunjukkan adanya peningkatan pemahaman mengenai keuangan oleh mahasiswa Prodi Informatika yang dibuktikan dengan kenaikan hasil pre-test yang sebesar 42,16 (kurang memahami) menjadi 89,59 (sangat memahami) pada saat post-test
KEPUTUSAN KEUANGAN DAN STRATEGI BISNIS TERHADAP DAYA SAING UMKM DI KABUPATEN BANYUMAS Shaferi, Intan; Retno, Sri; Tri, Alisa
Jurnal Analisis Bisnis Ekonomi Vol 10 No 2 (2012)
Publisher : Universitas Muhammadiyah Magelang

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

Abstract

Penelitian ini menguji keputusan keuangan yang dibuat oleh perusahaan, strategi yang mengikuti organisasi, keselarasan antara dua variabel dan hubungan keputusan keuangan terhadap tingkat daya saing. seratus kesaksian businesse di kabupaten Banyumas Indonesia dianalisis. Penelitian ini menggunakan metode survei untuk mengukur dampak dari keputusan keuangan dan strategi daya saing usaha kecil, dengan tiga dimensi yaitu, keputusan keuangan, strategi organisasi dan daya saing. Hasil menunjukkan bahwa sebagian besar perusahaan mikro dan kecil membuat keputusan pendanaan, sebagian besar perusahaan menerapkan strategi integratif, perusahaan yang membuat keputusan pendanaan memiliki daya saing yang lebih tinggi, keputusan keuangan dan strategi bisnis yang selaras.
Assessing the Predictive Power of Net Income and Inventory on Operating Cash Flows: A Study of Food and Beverage Companies in Indonesia Laksana, Rio Dhani; Shaferi, Intan; Naznii, Humaira
JURNAL STUDI MANAJEMEN ORGANISASI Vol 22, No 2 (2025): 2025
Publisher : Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jsmo.v22i2.75162

Abstract

This study investigates the ability of net income and inventory changes to predict future operating cash flows in manufacturing companies within Indonesia’s food and beverage sector. Using a sample of firms listed on the Indonesia Stock Exchange from 2022 to 2025, the study employs multiple regression analysis to examine the partial and simultaneous effects of these variables. The results show that net income has a significant positive impact on future operating cash flows, indicating its usefulness for investors and stakeholders in financial decision-making. However, changes in inventory do not significantly affect future operating cash flows, suggesting limited predictive value in this context. Simultaneous testing reveals that net income and inventory changes together significantly influence future operating cash flows. The findings underscore the importance of focusing on profitability indicators when assessing cash flow potential in this industry.
Does Transfer Pricing, Sales Growth, Foreign Ownership, Asset Intensity Affect Tax Avoidance in Energy Companies in Indonesia? Rio dhani Laksana; Intan Shaferi; İlkay Aydoğmuş
Journal of Social Science Vol. 4 No. 6 (2023): Journal of Social Science
Publisher : Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jss.v4i6.667

Abstract

Tax avoidance measures are carried out because of different interests on the part of the government and the companies, where the government needs to increase state revenues through large tax revenues while the companies want taxes to be as minimal as possible because taxes are a burden that reduces profits. The research aims to examine transfer pricing, sales growth, asset intensity and Foreign Ownership affected on tax avoidance in energy companies in Indonesia. A sample of companies in the energy sector that were listed on the Indonesia Stock Exchange (IDX) between 2020 and 2022 was selected. Descriptive statistical tests, conventional assumptions, multiple regression analysis, and hypothesis testing. According to the test, the findings of this study show that transfer pricing and asset intensity has positive impacts impacts tax avoidance. Sales Growth and Foreign ownership, have a negative impact on tax avoidance
Co-Authors Alisa Tri Nawarini Alisa Tri Nawarini Alisa Tri Nawarini, Alisa Tri Ary Yunanto Aydogmus, Ilkay Chandra Suparno Chandra Suparno, Chandra Dewi, Meutia Karunia Ekaningtyas Widiastuti Handayani, Sri Retno Hesti Widianti İlkay Aydoğmuş Inastasya Shafira Jaryono Jaryono Jaryono, Jaryono Laksana, Rio Dhani Laksana, Rio Dhani Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih Muliasari Pinilih, Muliasari Najmudin Naznii, Humaira Nurbaeti, Anindya Rizki Pramono Hari Adi Purwadi Purwadi Retno, Sri Rio Dhani Laksana Sain, Juwita Anggraini Sejati, Maulita Nur Septiani, Lutfia Setyanto, Refius Pradipta Sri Retno Handayani Sri Retno Handayani Tri, Alisa Tuzaka, Eliya Wijayanto, Muhammad Fido