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All Journal Dinamika Pendidikan The Indonesian Accounting Review Among Makarti Jurnal Manajemen Dayasaing Jurnal Ilmiah Pangabdhi Benefit: Jurnal Manajemen dan Bisnis Jurnal Mirai Management MANAJERIAL YUME : Journal of Management Jurnal Litbang Sukowati : Media Penelitian dan Pengembangan MANAJEMEN DEWANTARA JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) Masyarakat Berdaya dan Inovasi Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat Abdimas Madani Jurnal Pengabdian Masyarakat (ABDIRA) Universitas Muhammadiyah Yogyakarta Undergraduate Conference Proceeding Balance : Jurnal Akuntansi dan Manajemen Prosiding University Research Colloquium Cross-border Jurnal Bisnis dan Manajemen (JURBISMAN) Journal of Economics and Economic Policy Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) International Journal of Social and Education (INJOSEDU)
Teti Anggita Safitri, Teti Anggita
Universitas Aisyiyah Yogyakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Public Health Social Sciences Other

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The Effect of Financial Inclussion and Social Influence on Community Interest in Using Financial Technology Yuniarti , Nevita; Safitri, Teti Anggita
Proceedings of Universitas Muhammadiyah Yogyakarta Graduate Conference Vol. 2 No. 1 (2022): Strengthening Youth Potentials for Sustainable Innovation
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/umygrace.v2i1.394

Abstract

The development of world technology, especially in Indonesia, is progressing. Many new and innovative creative ideas have emerged in the field of digital technology. Currently, in the financial sector, various technological innovations have emerged that make it easier to carry out financial transactions and other financial activities carried out by the general public, commonly known as FinTech, or Financial Technology. FinTech is a very potential opportunity during COVID-19. However, there are still many people who do not understand the concept of financial inclusion, for example in the use of financial products. The Yogyakarta Financial Inclusion Index is a composite of 76.12%, conventional 75.85%, and Sharia 8.92%. Increasing financial inclusion through fintech cannot be separated from the social influence that accompanies every trend in society in the use of financial services. The type of research used is quantitative. The purpose of this study was to determine whether there is an influence of financial inclusion and social influence on people's interest in using FinTech in the special region of Yogyakarta. primary data source using a primary data questionnaire with 114 respondents and e-wallet users. The results of this study indicate the influence of financial inclusion and social influence on interest in using FinTech. Because of how easy it is for people to get to and use FinTech, like e-wallets, to make transactions easier.
The Effect of Transparency and Accountability of the Financial Reports of LAZISMU Yogyakarta on Public Trust in Donating Farida, Mun; Safitri, Teti Anggita
Proceedings of Universitas Muhammadiyah Yogyakarta Graduate Conference Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/umygrace.v3i1.559

Abstract

With accountability and transparency of financial reports that are carried out by amil zakat institutions, especially LAZ, this gives the public freedom to evaluate performance and gives trust to Muzakki and the public about what has been carried out by Amil Zakat Institutions. Obstacles that impede the development of zakat institutions in managing zakat funds are due to the problem of the lack of understanding of the community or muzaki in understanding the importance of zakat in shared welfare, as well as the lack of trust in zakat institutions. Low awareness of taxpayers, trust in BAZ and LAZ and Muzaki behavior that is still short-term, decentralized, and interpersonal oriented. The purpose of this study was to determine and analyze the influence of the Transparency and Accountability of LAZISMU's reports on the trust of the people of Yogyakarta City. The analytical method used in this research is descriptive variable to analyze the data by describing the data that has been collected from the respondents' answers to the items in the questionnaire. As well as inferential statistical analysis to show the relationship between the research variables. The data analysis technique used in this study is Multiple Regression Analysis to test whether or not the influence of the two independent variables (X1 and X2) has on the dependent variable (Y). based on the results of the research hypothesis on the variable transparency and accountability of financial statements using the F test has a positive and significant influence on public trust in donating to Lazismu Yogyakarta City.
The The Effect of Financial Literacy and Financial Technology Payment on Financial Management of Students Using Paylater Emiliyana, Fitri; Safitri, Teti Anggita
Proceedings of Universitas Muhammadiyah Yogyakarta Graduate Conference Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/umygrace.v3i1.561

Abstract

Introduction: An economic business entity with a balance of trade-offs between maximizing profit (Juhari et al., 2022). The ability to adapt the need of uncomfortable changes and uncertain condition (Diharto, 2018). The more advanced technology and competition, the better it is to search for need (Hidayat et al., 2023). The development of increasingly advanced technology, in the form of the internet, makes it possible for information to be accessed from various places (Anita et al., (2019).Improving the quality of human resources regarding the renewal of effective and efficient administrative governance through non-formal education (Aji et al., 2022). Communication has an important role in creating or realizing the duality of structuration (Rasyid, 2022).  Utilize information technology and communication to support effectiveness and administrative efficiency ( Aji et al., 2022).  Students often experience financial problems, one of which is caused by consumptive behavior. Extends to a broader transdisciplinary interest (Boro, 2023).  Most of the students make online transactions or online loans through fintech payments (Paylater), and they think that using Paylater can help solve their financial problems and needs. Crashes and high expectations in certain conditions will result in a financial crisis (Sumar’in et al., 2020).  Given this, financial management requires an understanding of and knowledge of financial literacy and fintech payments (PayLater). The problem faced is not bookkeeping money ( Diyah et al., 2020). Understand and have limited access to obtain capital assistancefrom financial institutions (Hafni et al., 2020). Purpose: This study aims to determine whether there is an effect of financial literacy and fintech payments (PayLater) on student financial management. Methodology/Approach: This research is a type of quantitative research with an associative strategy. As the largest Muslim country in the world, Indonesia is a home to many Islamic organizations whose activities are as diverse as their religious orientation (Samsudin, 2022).The sample used is active students at Aisyiyah Yogyakarta University who use one of the paylater types (Shopee Paylater, GoPayLater, Kredivo, Akulaku, and Traveloka Later). The data collection method in this study used primary data collected by distributing questionnaires online to all students at Aisyiyah University, Yogyakarta. Findings: The results obtained after data analysis are that partially financial literacy (X1) has a significant effect on the financial management of students using paylater (Y), while financial technology payments (X2) have no effect on the financial management of students using paylater (Y). Simultaneously, financial literacy (X1) and financial technology payments (X2) affect the financial management of pay-later-using students at 'Aisyiyah University, Yogyakarta. Originality/ Value/ Implication: The results of this study can be concluded as follows: 1) There is a significant simultaneous effect on financial literacy (X1) and financial technology payments (X2) on the financial management of students who use paylater. 2) There is a significant partial effect of financial literacy (X1) on the financial management of students who use paylater. and 3) There is no effect of financial technology payments (X2) on the financial management of students using paylater.
Analysis Of Financial Distress with The Altman Z-Score Method in Food Franchise Companies Rasyidah, Afifah Putri; Safitri, Teti Anggita
Proceedings of Universitas Muhammadiyah Yogyakarta Graduate Conference Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/umygrace.v3i1.568

Abstract

The Covid-19 pandemic that occurred in Indonesia required the government to take steps by imposing policies during the pandemic. Applicable policies such as the enactment ot the large-scale social restriction policy (PSBB), the imposition of restrictions in community activities (PPKM). This gave rise to a phenomenon during the pandemic that occurred in companies, especially food franchises. Phenomenon that occurs such as the closing of food aotlets in transit areas, shopping centers, and there are even companies that take to the streets to sell their products at relatively affordable prices. As a result of this phenomenon, there are many issues circulating that food franchise companies are experiencing financial distress. This study aims to determine whether a food franchise company is experiencing financial distress by analiysis it is using the Altman Z-score method. This study uses a descriptive quantitative approach, the samples used are 3 food franchise companies. Data collection technidues using literature and documentation. The analysis technique was carried out using the altman Z-score method. The calculation result of the Z score using the Altman method state that food franchise companies are in a state of distress and declining income. The result of this study state that food franchise companies are experiencing financial distress and there is a risk of bankruptcy. This reserch is also a warning for companies in improving financial performance in the future, so that bankruptcy does not occur.
Analisis Kinerja Keuangan Perusahaan di Sektor Kesehatan yang terdaftar di Bursa Efek Indonesia Kamila, Syaza Mutia; Safitri, Teti Anggita
Jurnal Mirai Management Vol 9, No 3 (2024)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v9i3.7352

Abstract

Tujuan penelitian ini adalah untuk mengetahui kinerja keuangan perusahaan di sektor kesehatan yang terdaftar di Bursa Efek Indonesia. Penelitian ini menggunakan rasio keuangan yaitu Rasio Likuditas, Rasio Solvabilitas, Rasio Aktivitas, Rasio Profitabilitas, Rasio Rentabilitas, Rasio Pasar dengan periode penelitian dari tahun 2020 sampai 2022. Metode penelitian yang dipakai adalah deskriptif kuantitatif dengan mengambil sampel 8 perusahaan yang bergerak di bidang kesehatan baik dalam penjualan obat-obatan maupun penyediaan pelayanan kesehatan. Dari hasil penelitian didapat bahwa PT Sarana Mediatama Metropolitan Tbk memiliki kinerja keuangan yang baik jika dibandingkan degan perusahaan lainnya. Sebaliknya PT Metro Healthcare Indonesia Tbk memiliki kinerja keuagan yang kurang baik jika ditinjau dari pengukuran rasio yang dilakukan dalam penelitian ini, dimana perusahaan tersebut belum mampu menghasilkan aktivitas, laba bersih, dan saham beredar yang optimal bagi perusahaan. Kata kunci: Kinerja Keuangan, Rasio Keuangan, Perusahaan Sektor Kesehatan
Pengaruh Sikap Keuangan, Perilaku Keuangan dan Pengetahuan Keuangan Terhadap Kesejahteraan Keuangan Utami, Sri; Safitri, Teti Anggita
Jurnal Mirai Management Vol 9, No 1 (2024)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v9i1.7351

Abstract

Penelitian ini bertujuan untuk menguji pengaruh sikap keuangan, perilaku keuangan dan pengetahuan keuangan terhadap kesejahteraan keuangan. Penelitian ini menggunakan data kuantitatif dengan data primer melalui kuesioner. Sampel penelitian dipilih pada karyawan tetap Rumah Sakit X sejumlah 78 responden. Teknik pengambilan sampel secara purposive sampling pada karyawan tetap Rumah Sakit X. Hasil penelitian ini dapat disimpulkan bahwa sikap keuangan (X1) Berpengaruh signifikan dan positif secara parsial terhadap kesejahteraan keuangan (Y), perilaku keuangan (X2) berpengaruh signifikan dan positif secara parsial terhadap kesejahteraan keuangan (Y), pengetahuan keuangan (X3) tidak berpengaruh signifikan terhadap kesejahteraan keuangan (Y) sedangkan sikap keuangan (X1), perilaku keuangan (X2) dan pengetahuan keuangan (X3) berpengaruh signifikan dan positif secara simultan terhadap kesejahteraan keuangan (Y). Keywords: Sikap Keuangan, Perilaku Keuangan, Pengetahuan Keuangan, Kesejahteraan Keuangan
Pengaruh Literasi Keuangan, Uang Saku Dan Teman Sebaya Terhadap Perilaku Keuangan Mahasiswa Universitas ’Aisyiyah Yogyakarta Indiana, Ratika Della; Safitri, Teti Anggita
Jurnal Mirai Management Vol 9, No 3 (2024)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v9i3.7391

Abstract

Latar Belakang: Kemajuan era digitalisasi mengalami perubahan perilaku terutama pada perilaku keuangan. Perilaku keuangan yang terjadi di kalangan mahasiswa terkait perilaku konsumsi yang belum cermat dalam memilih kebutuhan. Salah satunya penggunaan uang saku terlalu boros, dipengaruhi lingkungan sosial seperti memilih teman sebaya yang sesuai agar menimbulkan perilaku keuangan yang baik. Tujuan Penelitian: Untuk menguji pengaruh literasi keuangan, uang saku, dan teman sebaya terhadap perilaku keuangan mahasiswa Universitas ‘Aisyiyah Yogyakarta. Metode Penelitian: Penelitian menggunakan data kuantitatif dengan data primer melalui kuesioner. Sampel penelitian dipilih pada mahasiswa Universitas ‘Aisyiyah Yogyakarta sejumlah 100 responden. Teknik pengambilan sampel secara purposive sampling pada mahasiswa Universitas ‘Aisyiyah Yogyakarta. Hasil Penelitian: Menunjukkan bahwa Literasi Keuangan (X1) berpengaruh signifikan dan positif terhadap Perilaku Keuangan (Y), sedangkan Uang Saku (X2) dan Teman Sebaya (X3) tidak berpengaruh signifikan terhadap Perilaku Keuangan (Y). Literasi Keuangan (X1), Uang Saku (X2), dan Teman Sebaya (X3) berpengaruh signifikan secara simultan terhadap Perilaku Keuangan (Y). Kesimpulan: Dapat disimpulkan bahwa literasi keuangan (X1) berpengaruh signifikan dan positif secara parsial terhadap perilaku keuangan (Y), uang saku X2) tidak berpengaruh signifikan terhadap perilaku keuangan (Y), teman sebaya (X3) tidak berpengaruh signifikan terhadap perilaku keuangan (Y), sedangkan literasi keuangan (X1), uang saku (X2) dan teman sebaya (X3) berpengaruh signifikan secara simultan terhadap perilaku keuangan (Y).
Analisis Swot Dan Pemetaan Manajemen Risiko Pada Lazismu Kota Yogyakarta Safitri, Teti Anggita; Fathah, Rigel Nurul
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.v9i2.7465

Abstract

Penelitian ini bertujuan untuk meneliti terkait analisi SWOT dan Manajemen Risiko pengelolaan dana di Lazizmu Kota Yogyakarta. LAZISMU adalah lembaga zakat tingkat nasional yang berkhidmat dalam pemberdayaan masyarakat melalui pendayagunaan secara produktif dana zakat, infaq, wakaf dan dana kedermawanan lainnya baik dari perseorangan, lembaga, perusahaan dan instansi lainnya. Analisis SWOT Lazizmu Kota Yogyakarta sudah baik untuk peningkatan kinerja diperlukan penambahan sumber daya manusia dalam peningkatan peran Lazizmu dalam kemajuan Indonesia dan kesejateraan umat, sementara manajemen risiko pengelolaan dana zakat pada Lazismu Kota Yogyakarta sudah efektif karena Lazismu menetapkan dalam menyalurkan dana dibagi dalam 4 sektor yaitu ekonomi, pendidikan, sosial, keagamaan dan kemanusiaan. Selain itu, Lazismu Kota Yogyakarta perlu meningkatkan maksimalisasi kerjasama dengan instansi atau lembaga pemerintah. Keywords: Manajemen, Risiko, Analisis, SWOT, Zakat
Analisis Perbandingan Tarif Rumah Sakit dan Tarif INA CBG Pada Pelayanan Rawat Inap di RS PKU Muhammadiyah Yogyakarta Rigel Nurul Fathah; Teti Anggita Safitri
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 3: Maret 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i3.3126

Abstract

This study aims to analyze the difference in the actual cost or tariff of the hospital with the Indonesian Case-Based Group (INA-CBG) tariff on the payment claims of inpatients participating in the National Health Insurance (JKN) and the factors causing the difference and the difference in rates. The research was conducted at PKU Muhammadiyah Hospital Yogyakarta.This study uses descriptive methods to collect primary and secondary data in the form of observations, interviews, and the collection of hospital financial data. The data analysis technique in this research is descriptive and oriented to the actual cost of BPJS claims for JKN participants in class 3 health services at PKU Muhammadiyah Hospital Yogyakarta. From the results of the study, hospital rates showed a difference from INA CBG rates. Of the 372 diseases, there was a positive difference between surgeons, neurologists, obstetricians, and pediatricians, while for internal medicine specialists, the hospital experienced a negative difference (loss). The factors causing the difference in real hospital rates and INA CBG package rates in class 3 inpatient services at PKU Muhammadiyah Yogyakarta Hospital are 1. Determination of real tariff standards with INA CBG package rates by the hospital (2) Accuracy in coding diagnosis This study aims to analyze the difference in the actual cost or tariff of the hospital with the Indonesian Case-Based Group (INA-CBG) tariff on the payment claims of inpatients participating in the National Health Insurance (JKN) and the factors causing the difference and the difference in rates. The research was conducted at PKU Muhammadiyah Hospital Yogyakarta. This study uses descriptive methods to collect primary and secondary data in the form of observations, interviews, and the collection of hospital financial data. The data analysis technique in this research is descriptive and oriented to the actual cost of BPJS claims for JKN participants in class 3 health services at PKU Muhammadiyah Hospital Yogyakarta. From the results of the study, hospital rates showed a difference from INA CBG rates. Of the 372 diseases, there was a positive difference between surgeons, neurologists, obstetricians, and pediatricians, while for internal medicine specialists, the hospital experienced a negative difference (loss). The factors causing the difference in real hospital rates and INA CBG package rates in class 3 inpatient services at PKU Muhammadiyah Yogyakarta Hospital are 1. Determination of real tariff standards with INA CBG package rates by the hospital (2) Accuracy in coding diagnosis
Akuntabilitas Dana Desa Pada Masa Pandemi di Desa Girikerto, Turi , Sleman Fitri Fitri; Rigel Nurul Fathah; Teti Anggita Safitri
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 2 No. 8: Juli 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v2i8.2041

Abstract

Fokus penelitian ini adalah Akuntabilitas Dana Desa pada desa Girikerto, kecamatan Turi, Kabupaten Sleman Yogyakarta. Penelitian ini bertujuan untuk 1) Mengetahui bagaimana akuntabilitas Dana Desa . 2) Mengetahui tahapan pengelolaan Dana Desa di Desa Girikerto Turi Sleman di masa pandemi. Penelitian ini menggunakan metode penelitian kualitatif dimana peneliti melakukan wawancara mendalam kepada narasumber untuk menggali informasi sehingga diperoleh penelitian yang objektif mengenai dana desa, hal ini dilakukan mengingat wawancara mendalam merupakan strategi penelitian yang tepat untuk mengetahui secara mendetail baik dari pihak pemerintah desa dan perangkat desa. Kesimpulan penelitian ini bahwa 1) Pemerintah desa sudah menerapkan akuntabilitas dalam pengelolaan dana desa di Desa Girikerto, Turi Sleman Yogyakarta. 2). Pengelolaan Dana Desa menerapkan tahapan Perencanaan, Pelaksanaan dan Pertanggungjawaban Dana Desa secara teknis maupun administrasi sudah cukup baik, namun dalam hal pertanggung jawaban administrasi terkendala dengan keterlambatan laporan dari pedukuhan tetapi bisa diatasi dengan baik
Co-Authors Al Idrus, Syarifa Mawaddah Alfiana Alfiana Dittasari Putriana Dittasari Putriana Dwi, Estuti Moni Emiliyana, Fitri Endang Malasari Era Purike Era Purike Erwin Erwin Esitra Herfanda Farida, Mun Fathah, Rigel Nurul Fatma, Sumaya Fayakun Nur Rohmah Fitri Fitri Fuadah Johari Fuadah Johari Hadenan Towpek Ika Afifah Nugraheni Indiana, Ratika Della Jesi Sefina Hoky Kamila, Syaza Mutia Kurniawati, Viani Laili Mahmudah Loso Judijanto Loso Judijanto Mohd Syahrin Mohd Syahrin Monica, Mega Muhammad Ariadin Musoli Nindiasari, Avininda Dewi Noviani, Nor Eka Nuril Fikri Mukti Pramundari Pangesti, Dena Rahmawati, Fitri Maulidah Rasyidah, Afifah Putri Saharuddin, Erni Sri Utami Suhermini Suhermini, Suhermini Suhermini, Suhermini Syagata, Anindhita Syahbi Tsabjanati, Salmanisa - Yuniarti , Nevita