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All Journal Journal of Economic, Bussines and Accounting (COSTING) Management Studies and Entrepreneurship Journal (MSEJ) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung Journal of Innovative and Creativity Nomico
Muhammad Azizi
Universitas Tomakaka Mamuju
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Public Health Social Sciences Other

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Loyalitas Dan Kepuasan Konsumen Terhadap Kualitas Produk Suatu Merek Barang Tirta Mulyadi; Pandu Adi Cakranegara; Srifatmawati Ahmad; Muhammad Azizi; Kelemens Mere
Journal of Economic, Bussines and Accounting (COSTING) Vol 6 No 1 (2022): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v6i1.4598

Abstract

The quality of an item able to have a positive impact on increased the selling value of an item or product. The product will be sold if consumers are satisfied with the goods purchased so that they are more loyal in spended their money to get the desired item. The purpose of this study was to determine the effect on product quality of an item and the brand of an item on consumer satisfaction and consumer loyalty. The method used in this research is a qualitative method in the form of a literature study in the field of marketing management of a product. The method of wroted scientific articles is by used qualitative methods and literature studies or Library Research. The product quality of an item affects consumer satisfaction, the brand image of an item affects consumer satisfaction, the brand image of an item affects consumer satisfaction, the quality of an item affects consumer loyalty, the brand of an item affects consumer loyalty, and consumer satisfaction affects consumer loyalty. Keywords : Consumer Satisfaction, Consumer Loyalty, Product Quality, Product Brand Image.
LITERATURE REVIEW: PENGARUH EARNING PER SHARE (EPS) TERHADAP HARGA SAHAM PERUSAHAAN Muhammad Azizi; Dwi Kartika Prananingrum; Jemi Pabisangan Tahirs; Samuel PD Anantadjaya; Srifatmawati Ahmad
JURNAL DARMA AGUNG Vol 31 No 1 (2023): FEBRUARI
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Darma Agung (LPPM_UDA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46930/ojsuda.v31i1.3107

Abstract

Modal berperan krusial bagi aktivitas perekonomian pada masa era modernisasi seperti saat ini, terutama di negara-negara yang beranutan ekonomi pasar, karena dapat digunakan sebagai sumber kemajuan di bidang perekonomian. Tujuan penelitian ini untuk menganalisis pengaruh Earning Per Share (ESP) terhadap harga saham perusahaan. Metode pada artikel ini adalah menggunakan pendekatan kualitatif dengan penelitian pustaka atau studi pustaka. Artikel ini bertujuan untuk membandingkan dan membedakan berbagai teori, seperti yang ditemukan dalam literatur penelitian. Berdasarkan hasil review yang dilakukan dari beberapa sumber jurnal Nasional maupun Internasional, kesimpulan pada artikel ini menyatakan bahwa Earning Per Share (EPS) berdampak positif maupun krusial pada harga saham.
Evaluasi Strategi Hedging dalam Menghadapi Fluktuasi Nilai Tukar pada Perusahaan Ekspor-impor Muhammad Azizi; Irdawati; Suwandi Ng
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8135

Abstract

Perdagangan internasional telah menjadi bagian integral dari perekonomian global, terutama bagi negara berkembang seperti Indonesia yang sangat bergantung pada aktivitas ekspor dan impor. Tujuan penelitian ini adalah untuk menganalisis evaluasi strategi hedging dalam menghadapi fluktuasi nilai tukar pada perusahaan ekspor-impor. Jenis penelitian ini bersifat kualitatif deskriptif dengan pendekatan sistematis terhadap literatur yang relevan. Tujuannya adalah untuk mengidentifikasi, menganalisis, dan menyintesis berbagai teori, hasil studi empiris, serta praktik terbaik yang berkaitan dengan strategi hedging dalam konteks risiko nilai tukar pada perusahaan ekspor-impor. Berdasarkan hasil tinjauan pustaka terhadap berbagai literatur akademik dan laporan empiris, dapat disimpulkan bahwa strategi hedging merupakan instrumen penting dalam manajemen risiko nilai tukar bagi perusahaan ekspor-impor. Fluktuasi nilai tukar yang tidak menentu dapat berdampak langsung terhadap stabilitas keuangan perusahaan, khususnya terhadap arus kas, margin laba, dan nilai perusahaan.
BEHAVIORAL FINANCE AND ITS IMPACT ON CORPORATE FINANCIAL DECISION MAKING Alfiana Alfiana; Muhammad Azizi; Andi Primafira Bumandava Eka; I Kadek Wira Dharma Prayana; Srifatmawati Ahmad
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 2 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v8i2.14394

Abstract

Behavioral finance has become an important field of study that bridges psychology and financial decision-making. This article examines the impact of behavioral finance on corporate financial decision-making through a literature review of studies published since 2020. Key behavioral biases—such as overconfidence, loss aversion, and herd behavior—are analyzed for their influence on corporate strategies, including investment decisions, risk management, and capital budgeting. The findings reveal that these biases often lead to suboptimal financial outcomes, such as overly aggressive or overly conservative investment decisions, as well as an inability to manage risks effectively. This underscores the importance of integrating behavioral insights into corporate governance to mitigate the negative effects of these biases. Practical recommendations are provided, such as improving financial literacy, managerial training, and implementing structured decision-making processes. This study contributes to the growing body of literature by synthesizing recent research and offering actionable insights to enhance corporate performance. By understanding and addressing behavioral biases, organizations can make more rational and effective financial decisions in the face of complex economic challenges
Analysis of Factors Affecting The Rupiah Exchange Rate Against The US Dollar Eko Priyojadmiko; Muhammad Azizi
Nomico Vol. 1 No. 11 (2024): Nomico-December
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/7ptkvp68

Abstract

This study aims to identify and analyze the main factors that influence the Rupiah exchange rate against the US Dollar. The exchange rate is an important indicator that affects various sectors of the Indonesian economy, including international trade, inflation, and foreign investment. The method used is quantitative analysis with a multiple linear regression approach, using secondary data from Bank Indonesia, financial markets, and other related sources. The results of the study indicate that internal factors, such as inflation and BI interest rates, as well as external factors, such as the Fed interest rate and global commodity prices, play a significant role in determining exchange rate fluctuations. Higher inflation and an increase in the Fed interest rate tend to weaken the Rupiah, while an increase in the BI interest rate and foreign exchange reserves strengthen the Rupiah. In addition, global commodity prices also affect the stability of the Rupiah, especially through the impact on the trade balance. This study highlights the importance of appropriate monetary policy, foreign exchange market intervention, and foreign exchange reserve management in maintaining exchange rate stability. Understanding these factors is expected to help policymakers in dealing with global market dynamics and maintaining the stability of the Indonesian economy.
Effect of changes in Interest Rates on Household Consumption Srifatmawati Ahmad; Muhammad Azizi
Nomico Vol. 2 No. 1 (2025): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/anp8k370

Abstract

This study aims to analyze the effect of changes in interest rates on household consumption in Indonesia by employing a quantitative method with a causal associative approach. The analysis uses secondary time-series data from 2014 to 2024, obtained from official institutions such as Bank Indonesia and the Central Statistics Agency (BPS). The variables examined include interest rates, household income, and inflation as independent variables, while household consumption serves as the dependent variable. Data analysis was conducted using multiple linear regression through SPSS. The results indicate that interest rates have a negative and significant effect on household consumption, implying that higher interest rates discourage spending by increasing borrowing costs. On the other hand, household income positively and significantly affects consumption, suggesting that increased income boosts purchasing power. Inflation is also found to negatively influence consumption, reflecting reduced purchasing capability during periods of rising prices. The model’s goodness of fit, as measured by R Square, shows that 81.4% of the variation in household consumption can be explained by the three independent variables. These findings emphasize the importance of interest rate and inflation control in maintaining household consumption stability and overall economic health.
Pengaruh Struktur Modal Terhadap Kinerja Keuangan Perusahaan Publik di Bursa Efek Indonesia Irdawati Irdawati; Muhammad Azizi; Srifatmawati Ahmad; Heidi Siddiqa; Rihfenti Ernayani
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.3594

Abstract

Struktur modal merupakan salah satu aspek penting dalam menentukan kesehatan keuangan dan daya saing perusahaan publik. Perusahaan yang terdaftar di Bursa Efek Indonesia (BEI) menghadapi tantangan dalam menyeimbangkan proporsi utang dan ekuitas untuk mencapai kinerja keuangan yang optimal. Tinjauan literatur 2020–2025 menunjukkan bahwa struktur modal berpengaruh langsung terhadap profitabilitas, nilai perusahaan, dan risiko keuangan. Peningkatan leverage dapat memberikan manfaat berupa penghematan pajak dan peningkatan return on equity, namun di sisi lain menimbulkan risiko kebangkrutan apabila tidak dikelola dengan hati-hati. Penelitian juga mengindikasikan bahwa faktor eksternal, seperti kondisi makroekonomi, serta faktor internal, seperti ukuran perusahaan dan kualitas manajemen, turut memoderasi hubungan antara struktur modal dan kinerja keuangan. Dengan demikian, strategi pengelolaan struktur modal yang tepat dapat menjadi determinan utama dalam menjaga keberlanjutan bisnis sekaligus meningkatkan daya tarik perusahaan di mata investor di era persaingan global.
PENTINGNYA PERENCANAAN KEUANGAN BAGI GENERASI MUDA UNTUK MASA DEPAN YANG LEBIH BAIK Fitriani Fitriani; Delfian Zaman; Muhammad Azizi; Hadi Ismanto; Silviana Pebruary
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Volume 6 No. 1 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i1.38317

Abstract

Perencanaan keuangan merupakan aspek penting dalam mencapai kesejahteraan finansial jangka panjang, terutama bagi generasi muda yang akan menghadapi tantangan ekonomi yang semakin kompleks. Generasi muda perlu memiliki pemahaman yang baik mengenai cara mengelola keuangan pribadi agar dapat mempersiapkan masa depan yang lebih baik. Artikel ini bertujuan untuk mengkaji pentingnya perencanaan keuangan bagi generasi muda dengan fokus pada pengelolaan pendapatan, pengeluaran, tabungan, dan investasi. Berdasarkan studi literatur terkini, generasi muda sering kali mengabaikan perencanaan keuangan karena kurangnya pengetahuan atau pemahaman yang mendalam mengenai manfaat jangka panjang dari pengelolaan keuangan yang baik. Oleh karena itu, penting untuk meningkatkan literasi keuangan melalui pendidikan dan penyuluhan, serta membangun kebiasaan menabung dan berinvestasi sejak dini. Artikel ini juga membahas berbagai strategi dan alat perencanaan keuangan yang dapat membantu generasi muda dalam mencapai tujuan finansial mereka. Dengan perencanaan keuangan yang baik, generasi muda diharapkan dapat menghindari masalah keuangan di masa depan dan meraih stabilitas finansial yang lebih baik.
EDUKASI INVESTASI CERDAS DAN MANAJEMEN RISIKO KEUANGAN BAGI GENERASI MILENIAL DAN GEN Z Alfiana Alfiana; Indra Krishernawan; Abdul Malik Hasyim; Muhammad Azizi; Edy Susanto
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 3 (2026): Inpress Vol. 7 No. 3 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i3.58698

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman generasi Milenial dan Generasi Z mengenai investasi cerdas dan manajemen risiko keuangan sebagai upaya meningkatkan literasi keuangan masyarakat. Perkembangan teknologi digital telah memberikan kemudahan akses terhadap berbagai informasi dan instrumen investasi, namun di sisi lain juga menimbulkan tantangan berupa rendahnya kemampuan masyarakat dalam memahami risiko investasi dan mengambil keputusan keuangan yang tepat. Sasaran kegiatan ini adalah generasi Milenial dan Generasi Z yang terdiri atas pelajar, mahasiswa, dan masyarakat usia produktif. Metode pelaksanaan kegiatan menggunakan pendekatan partisipatif melalui beberapa tahapan, yaitu identifikasi kebutuhan, pelaksanaan edukasi, pendampingan praktik, dan evaluasi. Materi yang diberikan meliputi literasi keuangan, investasi cerdas, pengelolaan keuangan pribadi, dan manajemen risiko keuangan. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta terhadap konsep investasi, pentingnya perencanaan keuangan, dana darurat, profil risiko, dan strategi diversifikasi investasi. Selain itu, peserta menunjukkan perubahan pola pikir dalam pengambilan keputusan keuangan yang lebih rasional dan terukur. Kegiatan ini diharapkan dapat meningkatkan kemampuan masyarakat dalam mengelola keuangan secara bijaksana dan mempersiapkan kondisi finansial yang lebih baik di masa depan.
THE IMPACT OF FINANCIAL TECHNOLOGY ADOPTION ON FINANCIAL MANAGEMENT EFFICIENCY IN SMALL AND MEDIUM ENTERPRISES Muhammad Azizi; Irdawati Irdawati; Andi Primafira Bumandava Eka; Mutmainah Mutmainah
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 3 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/0whwwf33

Abstract

This study aims to analyze the impact of Financial Technology (FinTech) adoption on financial management efficiency in Small and Medium Enterprises (SMEs). The rapid development of digital technology has transformed various aspects of business financial management, including payment systems, accounting processes, cash flow management, and access to financing. This research employs a literature review approach by examining relevant scholarly articles, books, reports from international organizations, and academic publications related to FinTech adoption and SME financial management. The collected data were analyzed using thematic analysis to identify major themes, patterns, and relationships between FinTech utilization and financial management efficiency. The findings indicate that FinTech adoption positively influences SME financial management efficiency by improving transaction speed, enhancing financial reporting accuracy, facilitating access to financing, and supporting better managerial decision-making. Furthermore, digital financial technologies contribute to reducing operational costs and increasing financial transparency. Despite these benefits, several challenges remain, including limited digital literacy, cybersecurity risks, and organizational technological readiness. The study concludes that FinTech serves as a strategic tool capable of enhancing financial management efficiency while promoting business sustainability and competitiveness in the digital economy. Therefore, broader FinTech adoption is essential for strengthening SME performance and supporting long-term economic development.
Co-Authors Alfiana Andi Primafira Bumandava Eka Cakranegara, Pandu Adi Delfian Zaman Dwi Kartika Prananingrum Edy Susanto Eko Priyojadmiko Fitriani Fitriani Hadi Ismanto Hasyim, Abdul Malik Heidi Siddiqa I KADEK WIRA DHARMA PRAYANA Indra Krishernawan Irdawati Irdawati Jemi Pabisangan Tahirs Kelemens Mere Mutmainah Mutmainah Rihfenti Ernayani Samuel PD Anantadjaya Silviana Pebruary Srifatmawati Ahmad Suwandi Ng Tirta Mulyadi