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All Journal Jurnal Mirai Management JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Ekombis: Jurnal Fakultas Ekonomi Jurnal Ekonomi Bisnis Dan Industri (EBI) Journal of Management and Entrepreneurship Research Bisnis Net : Jurnal Ekonomi dan Bisnis Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan Jurnal Ilmiah Wahana Pendidikan Jurnal Impresi Indonesia Jurnal Pengabdian Masyarakat J-LEE - Journal of Law, English, and Economics MES Management Journal Postgraduate Management Journal Jurnal Ekonomika Manajemen Dan Bisnis SEMINAR NASIONAL PENELITIAN DAN PENGABDIAN KEPADA MASYARAKAT Majalah Ilmiah METHODA Jurnal Pengabdian Bisnis dan Akuntansi Soedirman Ardhi: Jurnal Pengabdian dalam Negri Ekomania Jurnal Social Society Sharef: Journal of Sharia Economics and Finance Green Inflation: International Journal of Management And Strategic Business Leadership ManBiz: Journal of Management and Business KREATIF: Jurnal Pengabdian Masyarakat Nusantara IJCOSIN : Indonesian Journal of Community Service and Innovation
Faizal Rizky Yuttama
Universitas Harapan Bangsa
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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THE IMPACT OF NON-PERFORMING LOANS AND THE BI RATE ON RETURN ON ASSETS Yuttama, Faizal Rizky
Jurnal EBI Vol 6, No 1 (2024): Jurnal Ekonomi Bisnis dan Industri
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52061/ebi.v6i1.237

Abstract

The increase in interest rates also brings changes in the management of funding sources and distribution of funds (credit). Changes in interest rates of course not only affect the profits generated by banks, but also how banks manage the interest income earned and interest paid. This research aims to determine the effect of non-performing loans (NPL) and the Bank Indonesia Interest Rate (BI Rate) on Return on Assets (ROA). The sample used in this research is state-owned banks listed on the Indonesian Stock Exchange (BEI) for the period 2020-2022. The research method used is an associative method with a quantitive approach. The data analysis technique used is multiple linear regression. The research results show that Non Performing Loans (NPL) have a negative and significant influence on Return on Assets (ROA) and the BI Rate has a negative and insignificant influence on Return on Assets (ROA).
Analisis Tren Media Sosial Bank Umum Syariah di Indonesia Tahun 2023 Slamet; Yuttama, Faizal Rizky
Sharef: Journal of Sharia Economics and Finance Vol 1 No 2 (2023): Journal of Sharia Economics and Finance Vol. 1 No. 2 (2023)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v1i2.672

Abstract

Bank syariah perlu meningkatkan literasi keuangan syariah untuk meningkatkan pangsa pasarnya, diantaranya dengan melakukan sosialisasi dan edukasi kepada masyarakat menggunakan platform media sosial. Studi deskriptif kuantitatif diperlukan mengingat masih terbatasnya informasi kinerja pemasaran bank umum syariah berkaitan dengan penggunaan media sosial. Tujuan dilakukannya penelitian ini adalah untuk menganalisis tren terbaru kinerja media sosial bank umum syariah di Indonesia tahun 2023. Hasil penelitian menunjukkan bahwa secara keseluruhan, akun media sosial bank umum syariah di platform Instagram memiliki kinerja paling baik berdasarkan jumlah pengikut. Di lain sisi, masih ada bank umum syariah yang tidak memiliki akun di platform media sosial. Dua belas dari 27 akun media sosial bank umum syariah masih memiliki jumlah pengikut di bawah 10.000, bahkan jauh di bawahnya. Sebagian besar akun media sosial masih kurang begitu aktif jika dilihat dari rata - rata unggahan per hari. Penelitian di masa mendatang bisa mempertimbangkan aspek kualitas keterlibatan pengguna seperti meyukai, komentar, dan perilaku berbagi menggunakan metode kualitatif dengan melakukan analisis konten.
Pengaruh Literasi Keuangan dan Inklusi Keuangan pada Kinerja UMKM di Kabupaten Banyumas Widadi, Budi; Yuttama, Faizal Rizky
Jurnal Mirai Management Vol 9, No 2 (2024)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v9i2.7530

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi dan inklusi keuangan terhadap kinerja usaha mikro, kecil dan menengah (UMKM) di kabupaten banyumas. UMKM memiliki peran penting dalam perekonomian lokal, namun seringkali menghadapi tantangan dalam pengelolaan keuangan yang berdampak pada kinerja mereka. Literasi keuangan yang tinggi diharapkan dapat meningkatkan pemahaman pelaku UMKM mengenai pengelolaan keuangan, investasi dan pemanfaatan produk keuangan. sementara itu, inklusi keuangan yang baik memungkinkan UMKM mengakses sumber daya keuangan yang lebih luas, sehingga dapat mendukung pertumbuhan dan keberlanjutan usaha. Metode penelitian yang digunakan adalah survey dengan kuesioner yang dibagikan kepada pelaku UMKM di kabupaten banyumas. Hasil penelitian menunjukkan bahwa baik literasi keuangan maupun inklusi keuangan memiliki pengaruh positif dan signifikan terhadap kinerja UMKM. Temuan ini menekankan pentingnya program edukasi dan peningkatan akses layanan keuangan bagi pelaku UMKM guna meningkatkan daya saing dan kontribusi terhadap perekonomian daerah. Penelitian ini diharapkan dapat memberikan rekomendasi bagi pemerintah dan pemangku kepentingan dalam merumuskan kebijakan yang mendukung pengembangan UMKM di kabupaten banyumas. Keywords: Literasi Keuangan, Inklusi Keuangan, Kinerja, UMKM
ANALISIS PERHITUNGAN BIAYA HARGA POKOK PRODUKSI PADA UMKM HEALTHY FOOD PURWOKERTO Faizal Rizky Yuttama; Iin Dyah Indrawati
Ekomania Vol. 11 No. 2 (2024): Desember 2024
Publisher : Ekomania

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/ekomania.v11i2.100

Abstract

The total costs associated with a product, including raw material costs, direct labor costs, and manufacturing overhead, are consolidated to form the cost of goods manufactured (COGM), which serves as a basis for business owners to determine the selling price of products offered to consumers. This study aims to assist the micro, small, and medium enterprise (MSME) Healthy Food in calculating its total production costs. The data in this research were analyzed using a descriptive quantitative approach. In other words, the data analysis provides recommendations to create a more efficient COGM. A single production sample of 30 pieces of Healthy Food products was completed in one day. The study highlights the critical role of employing the COGM method in calculating production costs for MSMEs to set competitive selling prices. By accurately understanding production costs, Healthy Food MSME can establish appropriate pricing, enhance profitability, and make strategic decisions in business management.
PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI KEGUNAAN, RISIKO DAN LITERASI KEUANGAN TERHADAP MINAT PENGGUNAAN QRIS PADA UMKM DI KABUPATEN BANYUMAS Asfendi, Afril Nanda; Alfizi, Alfizi; Yuttama, Faizal Rizky
Postgraduate Management Journal Vol. 4 No. 2 (2025): Postgraduate Management Journal
Publisher : LPPM Universitas Ibnu Sina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36352/pmj.v4i2.948

Abstract

This study aimed to evaluate the impact of perceived ease of use, perceived usefulness, risk, and financial literacy on the interest in using QRIS among MSMEs in Banyumas. Data were collected through online questionnaires, with 110 respondents participating. Multiple regression analysis, along with t-tests and F-tests, were employed, with a significance level set at <0.05. The study was based on the Theory of Acceptance Model, which explores technology acceptance, and the Theory of Planned Behavior, which examines reasoned action. The results indicate that perceived ease of use, perceived usefulness, and financial literacy positively and significantly influence interest in QRIS usage. Conversely, risk negatively and significantly affects this interest. Overall, the variables collectively have a positive and significant impact on QRIS usage interest, with an R square value of 54.5%.
PENGARUH LITERASI KEUANGAN, RISK TOLERANCE, EXPERIENCE REGRET, DAN HERDING TERHADAP KEPUTUSAN INVESTASI PADA MAHASISWA DI KABUPATEN BANYUMAS Susanti, Widya Komala; Yuttama, Faizal Rizky; Slamet, Slamet
Postgraduate Management Journal Vol. 4 No. 2 (2025): Postgraduate Management Journal
Publisher : LPPM Universitas Ibnu Sina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36352/pmj.v4i2.949

Abstract

Keputusan investasi merupakan kemampuan individu dalam mempertimbangkan beberapa aspek terkait investasi dan membuat keputusan yang memberikan keuntungan dalam berinvestasi. Tujuan penelitian ini adalah untuk mengetahui dan menguji pengaruh literasi keuangan, risk tolerance, experience regret, dan herding terhadap keputusan investasi pada mahasiswa di Kabupaten Banyumas. Sampel penelitian ini diperoleh menggunakan teknik purposive sampling, sehingga diperoleh 110 responden. Jenis data yang digunakan yaitu data primer yang diperoleh dari hasil kuesioner. Metode analisis yang digunakan adalah analisis regresi berganda. Hasil penelitian hipotesis secara parsial menunjukan bahwa variabel literasi keuangan, risk tolerance, experience regret, dan herding berpengaruh secara positif dan signifikan terhadap keputusan investasi. Dari penelitian ini juga diperoleh koefisien determinasi (R2) dengan nilai 0,575 memiliki arti bahwa sebesar 57,5% pengungkapan dijelaskan oleh variabel antara literasi keuangan, rismk tolerance, experience regret, dan herding. Sedangkan 42,5% dijelaskan oleh variabel lain di luar model.
ANALISIS STUDI KELAYAKAN BISNIS DITINJAU DARI ASPEK PEMASARAN DAN ASPEK KEUANGAN PADA UMKM FRUTTY TUTTY PURWOKERTO Indrawati, Iin Dyah; Faizal Rizky Yuttama
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol. 6 No. 1 (2025): Januari
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v6i1.13057

Abstract

The aim of this research is to study the feasibility of the Frutty Tutty Purwokerto business from a market and marketing perspektive as well as financial aspects. Frutty Tutty is a small business that combines food and drink ideas in a culinary setting. Qualitative research is used to collect primary data through interviews with business owners. The research results show that Frutty Tutty has used effective offline and online marketing strategies. Varied products, affordable prices and strategic locations are the keys to attracting customers. From the financial aspect of the Frutty Tutty business, it is a profitable business. This research provides insight into the feasibility of MSMEs such as Frutty Tutty regarding effective marketing strategies by paying attention to exploration and increasing market share.
Strengthening MSME Creditworthiness through Financial Transparency and Digital Accounting Innovation Faizal Rizky Yuttama; Yadi Fakhruzein Terang Jaya
Green Inflation: International Journal of Management and Strategic Business Leadership Vol. 2 No. 2 (2025): May : Green Inflation: International Journal of Management and Strategic Busine
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/greeninflation.v2i2.331

Abstract

Limited access to formal financing remains a persistent challenge for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, despite their vital contribution to economic development. Among the key barriers are poor-quality financial reporting and the lack of digital accounting adoption, which hinder financial transparency and lender trust. This study aims to analyze the influence of financial reporting quality and the use of digital accounting technology on MSMEs’ access to financing from formal financial institutions. A quantitative explanatory research design was employed, involving 120 MSMEs in Banyumas Regency, Indonesia. Primary data were collected through structured questionnaires and analyzed using multiple linear regression after satisfying classical assumption tests. The results indicate that both financial reporting quality and digital accounting technology have significant positive effects on access to financing. Financial reporting quality exhibited a slightly stronger influence, confirming its role in reducing information asymmetry and signaling creditworthiness. The adoption of digital accounting tools, such as BukuKas and Accurate, improved financial documentation, auditability, and lender confidence. These findings underscore that internal financial practices are critical enablers of financial inclusion, especially in semi-urban contexts.The study concludes that enhancing the quality of financial reports and promoting digital accounting adoption are essential strategies for improving MSMEs’ access to external funding. The findings offer practical implications for policymakers and financial institutions while also contributing to the theoretical understanding of MSME financial behavior in the digital era.
EFEKTIFITAS PELATIHAN DALAM MENINGKATKAN KINERJA KARYAWAN (STUDI KASUS PADA PT. BANYUMAS RAYA TRANSPORTASI) Inayah, Anisa Afri; Hermaliawati, Lezyana; Fitricia, Grace Maria; Yuttama, Faizal Rizky; Kurniawan, April
Bisnis-Net Vol 8, No 1: JUNI 2025
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v8i1.5891

Abstract

This research aims to analyze the effectiveness of training in improving employee performance at PT. Banyumas Raya Transportation. Competent and skilled human resources are very important in achieving company goals, especially in an era of intense competition. Training is one of the main strategies to improve employee skills and knowledge. The research method used is descriptive qualitative with a case study approach, which involves interviews with HRD and documentation in the form of recordings related to training that has been carried out over the last three years. The research results show that the training carried out is more focused on drivers, while employees in other divisions have not received specific training. Even though training provides insight and knowledge, its effectiveness is still less than optimal because it does not involve all divisions as a whole. This research aims to ensure that companies provide more targeted training for all divisions, as well as carry out regular evaluations of the training programs that have been implemented. So, it is hoped that employee performance can increase significantly
Penguatan Pendidikan Karakter Melalui Edukasi Literasi Keuangan untuk Remaja Sekolah Menengah Faizal Rizky Yuttama; Budi Widadi
ARDHI : Jurnal Pengabdian Dalam Negri Vol. 3 No. 3 (2025): Juni : ARDHI : Jurnal Pengabdian Dalam Negri
Publisher : Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ardhi.v3i3.1135

Abstract

The purpose of this community service activity is to improve the knowledge of SMA Islam Andalusia Banyumas students about finance and teach them to use money wisely and independently starting from adolescence. The results showed that most students did not understand the basic concepts of financial literacy, such as the difference between needs and wants, budgeting, and the importance of saving. The training was conducted in one day with a participatory education approach. This method includes providing materials, group discussions, budgeting simulations, and individual reflections. This activity was attended by 80 students. The assessment results showed an increase in the average score from 52.4 in the pretest to 81.1 in the posttest. This activity also showed high active participation, with more than 88% of students actively involved in discussions and group assignments. This training proves that an experience-based approach can effectively improve students' understanding and awareness of personal financial management. Financial literacy instilled since high school has the potential to form a character of thrift, responsibility, and independence in facing future financial challenges
Co-Authors Afril Nanda Asfendi Ahmad, Mirzani Alamsyah, Satria Zidan Alfizi, Alfizi Anggun Sepfiana Apriliyani, Liya Arif Setia Sandi A. Aris Munandar Asfendi, Afril Nanda Asih, Emi Nur Atingul Chusna Dara, Galuh Andap Anggeta Dwi Aryanto Fitricia, Grace Maria Giovanny Kristanto Grace Maria Fitricia Grace Maria Fitricia Hermaliawati, Lezyana Iin Dyah Indrawati Iin Dyah Indrawati Inayah, Anisa Afri Indrawati, Iin Dyah Kartikawati, Amelia Nur Khasan, Taftarin Jauharul Kurniawan, April Maya Ruhtiani Mukaromah, Siti - Okviana, Adista Puspita Lianti Putri Puspita, Sisca Dewi Putri, Puspita Lianti Royan, M. Zulfa Ruhtiani, Maya Safitri, Nur Salsabela, Riska Nadiya Sari, Kartika Dwi Chandra Siti - Mukaromah Slamet Slamet . Slamet Slamet Sundari Sundari Susanti, Widya Komala Tri Naili, Yuris Turhamun, Turhamun Tyas Tsabita Witriantino Widadi, Budi Yadi Fakhruzein Terang Jaya Yuris Tri Naili