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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
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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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
Optimalisasi profitabilitas ,perluasan pemasaran dan literasi keuangan pada usaha sculpture painting cake Laksana, Rio Dhani; Shaferi, Intan; Nawarini, Alisa Tri
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 3 (2024): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i3.25999

Abstract

Abstrak Kewirausahaan merupakan aktivitas yang dinamis. Pada usaha dengan keterampilan khusus seperti usaha pembuatan cake dan kue, wirausaha manjadi sangat penting. Hal ini karena selain keterampilan yang harus dimiliki, dalam menjalankan usaha juga perlu keterampilana manajemen, seperti pemasaran dan juga pengelolaan keuangan. Beberapa usaha atau usaha skala UMKM masih belum memiliki keterampilan keuangan atau literasi masih kurang. Karena focus pada pembuatan produksi namun belum dapat melakukan pemasaran dan keuangan. Metode Penelitian dilakukan secara kualitatif dengan observasi dan wawancara terhadap mitra untuk mengidentifikasi langsung masalah dan memberikan solusi atas permasalahan tersebut. Penelitian dilakukan bersama mitra usaha yang merupakan usaha berlabel Cake dan Catering Purwokerto. Hasil pelaksanaan ini merupakan diskusi dan materi mengenai bisnis dan wirausaha dengan tujuan memberikan dimensi manajemen keuangan, pemasaran, operasional dan sumber daya manusia untuk strategi bisnis dan usaha. Diskusi kewirausahaan memberikan arahan untuk dapat berdaya saing dalam usaha agar profit dapat dibukukan dengan baik. Hal ini diupayakan karena mitra merupakan usaha rumahan dimana terdapat kemungkinan wirausaha yang dijalankan menjadi kurang fokus dalam pencatatan keuangan. Untuk produksi karena penyedia jasa pada makanan, permintaan konsumen merupakan bagian dari inovasi dan adaptaasi yang perlu selalu dikedepankan oleh mitra. Kata kunci: profitabilitas ; pemasaran ; literasi keuangan ; sculpture painting cake. AbstractEntrepreneurship is a dynamic activity. In businesses with special skills such as cake and pastry making businesses, entrepreneurship becomes very important. This is because apart from the skills you must have, running a business also requires management skills, such as marketing and financial management. Some businesses or MSME scale businesses still do not have financial skills or literacy is still lacking. Because the focus is on making production but cannot do marketing and finance. The research method was carried out qualitatively by observing and interviewing partners to directly identify problems and provide solutions to these problems. The research was conducted with a business partner which is a business labeled Cake and Catering Purwokerto. The results of this implementation are discussions and material regarding business and entrepreneurship with the aim of providing financial, marketing, operational and human resource management dimensions for business and business strategies. Entrepreneurship discussions provide direction for being competitive in business so that profits can be recorded well. This is done because the partner is a home business where there is a possibility that the entrepreneur being run will be less focused on financial recording. For production as food service providers, consumer demand is part of the innovation and adaptation that Mitrav needs to always prioritize Keywords: profitability; marketing ; financial literacy ; sculpture painting cake.
The Effect of Operational Risks for Digital Banking Services at Banks Laksana, Rio Dhani; Shaferi, Intan; Naznii, Humaira
Jurnal Manajemen Bisnis Vol. 14 No. 2: September 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v14i2.19302

Abstract

Research aims: This research aims to analyze active digital banking users' perceptions of bank operational risks in providing digital banking services.Design/Methodology/Approach: This research design used a quantitative approach. The population in this study was banking customers who used Internet banking services. The sample taken in this study was 240 respondents from banks in the Banyumas Regency, Central Java, Indonesia. The method performed was purposive sampling. It used five banking risk management indicators.Research findings: Most people in the Banyumas region did not agree that Internet banking had high operational risks. As such, banks need to look at other operational risks, such as service disruptions, outsourcing failures, and internal fraud.Theoretical contribution/Originality: The Technology Acceptance Model (TAM) is an information system theory that models of how users want to accept and use technology. This model proposes that when users are offered a new system, several factors influence their decision about how and when to use the system, especially regarding the usefulness, ease of use, and external factors on beliefs, attitudes, and purpose of use.Practitioners/Policy implications: This research implemented digital banking and customer perceptions of bank operational risks in providing digital banking services because they are essential for understanding the digital banking industry. Research limitations/Implications: This study only used five indicators of banking operational risks, consisting of process, human, system, external, and legal. Other aspects, such as financial, marketing, and others, have yet to be included in this banking risk research indicator. For further research, it is suggested to add research variables, not only focusing on Internet banking applications but also on other digital banking products, such as mobile banking, phone banking, and SMS banking. 
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