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All Journal Jurnal Siasat Bisnis Sosiohumaniora JDM (Jurnal Dinamika Manajemen) Jurnal Manajemen dan Bisnis Indonesia Jurnal Bisnis dan Manajemen MABIS: Manajemen dan Bisnis Journal of Accounting Auditing and Business Dinasti International Journal of Education Management and Social Science Jurnal Ekonomi dan Bisnis Terapan PEKBIS Jurnal Inspirasi Binsis dan Manajemen Society

Layyinaturrobaniyah Layyinaturrobaniyah

Fakultas Ekonomi Dan Bisnis, Universitas Padjadjaran, Bandung

Author-ID : 562858

Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENDAMPINGAN PENGELOLAAN KEUANGAN USAHA MIKRO DI DESA PURWADADI BARAT DAN PASIRBUNGUR KABUPATEN SUBANG Layyinaturrobaniyah Layyinaturrobaniyah; Wa Ode Zusnita Muizu
PEKBIS Vol 9, No 2 (2017)
Publisher : Program Studi Pendidikan Ekonomi Universitas Riau

Data statistik menunjukan bahwa jumlah unit usaha kecil mikro dan menengah(UMKM) mendekati angka 99,98% dari total unit usaha di Indonesia dengankontribusi sebesar 56% dari total PDB di Indonesia. Hal ini mencerminkan tingginyasignifikansi peran UKM bagi pemerataan ekonomi Indonesia. Sayangnya, ditemukanberagam persoalan yang perlu mendapat perhatian, seperti rendahnya produktivitasyang disebabkan oleh rendahnya kualitas sumber daya manusia khususnya dalambidang manajemen, organisasi, penguasaan teknologi, dan pemasaran, danrendahnya kompetensi kewirausahaan UMKM yang relatif masih masih jauhdibandingkan usaha besar. Selain rendahnya produktivitas, UMKM jugadiperhadapkan pada terbatasnya akses kepada sumberdaya produktif, terutamaterhadap permodalan, teknologi, informasi dan pasar. Hingga saat ini, tidak sedikitpelaku usaha mikro yang mengeluhkan tentang perkembangan usahanya karenadisebabkan kekurangan modal dalam bentuk uang. Begitu juga banyak kegiatanusaha mikro mengalami kegagalan atau bangkrut dikarenakan tidak mampumengelola keuangan dengan baik. Kondisi ini seringkali disebabkan karenakeuangan usaha mikro yang dikelola tidak dipisahkan dengan keuangan keluarga.Oleh karena itu, dalam rangka menjaga keberlangsungan kegiatan usaha, makadiperlukan pengetahuan, ketrampilan dan sikap perilaku untuk mengelola seluruhaspek usaha dengan baik. Khusus di bidang keuangan diperlukan perhatian lebihkhusus dan serius, karena keuangan merupakan jiwa dan darah seluruh kegiatanusaha. Sebagaimana pada umumnya, pengelolaan keuangan usaha juga meliputiseluruh aktivitas sejak perencanaan, pelaksanaan dan pengendalian.

Maturity Matching Struktur Aset dan Struktur Keuangan: Studi pada Perusahaan Manufaktur, Dagang, dan Jasa di Bursa Efek Indonesia Mahanani Margani; Ratna Komara; Egi Arvian Firmansyah; Layyinaturrobaniyah Layyinaturrobaniyah
Jurnal Inspirasi Bisnis dan Manajemen Vol 3, No 2 (2019): DESEMBER 2019
Publisher : Lembaga Penelitian Universitas Swadaya Gunung Jati

Abstract. This canonical study aims to determine the relationship between asset structure and financial structure in manufacturing, trading, and service companies, represented by food and beverages, retail trade, as well as restaurants, hotels and tourism firms listed on BEI. The analysis result shows that there is a powerfully positive relationship between asset structure and financial structure. It means interdependence occurs between sub-variables on asset structure and financial structure. The companies matched the maturity between funding sources and the age of the funded assets. Manufacturing and trading companies used equity to fund non-current assets; accounts payable to fund accounts receivable, cash and cash equivalents to secure non-current liabilities; and other current assets to guarantee other current liabilities. Meanwhile, service companies employed equity to fund the non-current assets, current liabilities to fund other current assets, and current liabilities and account payables to fund accounts receivable. Keywords: asset structure; canonical correlation; financial structure; maturity matching. Abstrak. Penelitian ini menggunakan analisis kanonikal untuk mengetahui hubungan antara struktur aset dan struktur keuangan di perusahaan manufaktur, dagang, dan jasa yang diwakili oleh sub-sektor makanan dan minuman, perdagangan eceran, restoran, hotel, dan pariwisata yang terdaftar di BEI. Hasil penelitian menunjukkan bahwa terdapat hubungan positif yang sangat kuat antara struktur aset dan struktur keuangan. Ini artinya ada interdependensi antar sub-variabel pada variabel struktur aset dan struktur keuangan. Perusahaan di tiga sub-sektor tersebut mencocokkan maturitas antara sumber pendanaan dengan usia aset yang didanai. Perusahaan manufaktur dan dagang menggunakan ekuitas untuk mendanai aset jangka panjang dan menggunakan utang usaha untuk mendanai piutang usaha. Kas dan setara kas dijadikan jaminan liabilitas jangka panjang, serta aset jangka pendek lainnya digunakan sebagai kolateral liabilitas jangka pendek lainnya. Perusahaan jasa menggunakan ekuitas untuk mendanai aset jangka panjang dan menggunakan liabilitas jangka pendek untuk mendanai aset jangka pendek lainnya. Piutang usaha didanai liabilitas jangka pendek dan utang usaha. Kata Kunci: kecocokan maturitas; korelasi kanonikal; struktur aset; struktur keuangan.

CAPITAL STRUCTURE AND BANK PERFORMANCE Arie Widyastuti; Ratna Komara; Layyinaturrobaniyah Layyinaturrobaniyah
Jurnal Bisnis Manajemen Vol 20, No 2 (2019): September 2019
Publisher : Fakultas Ekonomi dan Bisnis Universitas Padjadjaran

The decision of how firms finance their investments is among the prominent researchers in the area of corporate finance. The capital structure of banks, however, still relatively under-explored. Banking is one type of industry that employs a high level of leverage in creating companies’ value since its operating profits come from lending and borrowing activities. This research aims to analyse the effect of the mix of capital structure on financial performance of commercial banks in Indonesia. We use annual data for the period 2009 – 2017 that are extracted from the audited financial statement. The data is then analysed to find relationship on the use of leverage to the firms’ performance. Our study finds strong evidence that short term loan significantly has positive influence on profitability of banks through Return on Equity (ROE), which indicates that deposit is considered as the cheapest source of funding. However, banks should carefully maintain their liquidity risk to ensure the availability of funds to pay for withdrawals obligation. We also found that the use of long-term debt and the use of equity, in general, do not have a significant effect on firm value, which indicates that, in terms of long-term financing, profitability and firm value are insensitive to capital structure.

Rural Bank Technical Efficiency in West Java Indonesia: Evaluation by Ownership and District Mokhamad Anwar; Layyinaturrobaniyah Layyinaturrobaniyah; Ratna Komara; Sulaeman Rahman Nidar
Jurnal Bisnis Manajemen Vol 19, No 2 (2018): September 2018
Publisher : Fakultas Ekonomi dan Bisnis Universitas Padjadjaran

This study examines the efficiency of rural banks in West Java Indonesia in terms of technical efficiency. The analysis covers the 212 banks spread over some districts in west java province during the period 2012-2016. Those banks are under the supervision of the Financial Services Authority Regional Office of Bandung. The study employs Data Envelopment Analysis to obtain the technical efficiency of the banks over the study period. The study results suggest that there are some rural banks from certain districts enjoying most efficient; average efficiency of those banks over the study period is inclined to increase with the peak performance occurred in 2015. The other findings suggested that capital adequacy and bank size are of essential factors determining rural bank efficiency in West Java.

FACTORS INFLUENCING PROFITABILITY: A STUDY OF MINING COMPANIES LISTED ON THE INDONESIAN STOCK EXCHANGE Muhammad Hidayat Hadi; Layyinaturrobaniyah Layyinaturrobaniyah
Jurnal Bisnis Manajemen Vol 23, No 1 (2022): March 2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/jbm.v23i1.1813

The objective of this research is to empirically identify the profitability determinants of mining companies listed on the Indonesian Stock Exchange from 2015 - to 2019. Those determinants of profitability investigated in this study are Liquidity, Firm Size, Leverage, and Asset Structure with ROA as the proxy of profitability. This study employs panel data regression with Fixed Effect Model using STATA software and the result of the research found the following: (1) Liquidity has a positive impact on profitability, (2) Firm Size has a positive impact on profitability, (3) The negative impact of Leverage on profitability is not supported, (4) Asset Structure does not have a significant effect on profitability. Because the evidences suggested that liquidity is one of the drivers of profitability in mining companies in Indonesia, it is advised for these companies to reexamine their liquidity management and try to strive to achieve a balance between the benefits and risks associated with liquidity. Furthermore, leverage is also found to be, in general, positively correlated with profitability. Thus, the mining firms are suggested to fund more of their business and expansion project with debt in order to quickly raise funds and also take benefit of the debt tax shield that comes with it. However, it needs to be noted that there is a diminishing return on leverage and there is a limit where the risk of bankruptcy outweighs the benefit of the leverage, so managers should evaluate the optimal leverage for their specific companies.

MILLENNIALS: THEIR FINANCIAL LITERACY AND DECISION MAKING Widyastuti , Arie; Komara, Ratna; Layyinaturrobaniyah, Layyinaturrobaniyah
Dinasti International Journal of Education Management And Social Science Vol. 1 No. 3 (2020): Dinasti International Journal of Education Management and Social Science (Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijemss.v1i3.163

Millennials are now the largest population groupings in Indonesia, therefore their decisions in financial matters have significant implications for themselves as well as the country’s economy. This paper is aimed to evaluate the level of financial literacy possessed by the Millennials and their attitudes towards making key financial decisions. Data were collected through questionnaire of 30 questions with 15 questions regarding financial literacy and 15 questions related to financial decision making, with the participants in the study consists of 446 individuals who were born from 1980s to 2000s. The result reveals that better financial literacy leads to better financial decision at 1% significance level. This study also indicates that, although demographic profiles such as gender, education, length of working experience, income, number of credit card ownership and mother education have positive correlation with the level of financial literacy, they do not have moderating effect to the financial literacy and financial decision making of the millennials

Perilaku Mengemudi dan Pengalaman Wisatawan: Sebuah Studi di Kawasan Metropolitan Bandung Ariawaty, R. Rina Novianty; Layyinaturrobaniyah, Layyinaturrobaniyah; Firmansyah, Egi Arvian; Hilmiana, Hilmiana; Saefullah, Kurniawan
Society Vol 13 No 1 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i1.823

Driving behavior significantly influences tourist comfort and experiences in a destination, making traffic management a critical consideration for tourism-focused cities. This study examines driving behaviors in Bandung and assesses their impact on tourists' comfort and overall experiences. A total of 300 respondents, consisting equally of drivers and tourists, participated through an online questionnaire administered via Google Forms across West Bandung Regency, Bandung Regency, Cimahi City, and selected areas of Sumedang Regency in West Java Province, a method particularly effective during the COVID-19 pandemic. Descriptive statistical analysis and independent t-tests indicate that driving behavior among Bandung residents is moderately deviant; however, most drivers tend to comply with traffic regulations and consider receiving telephone calls while driving as relatively unimportant. Nevertheless, tourists emphasize enhancing public transportation services and traffic orderliness. The study confirms a significant relationship between driving behavior and tourist experiences, highlighting the need for targeted improvements to develop Bandung as a more comfortable and attractive city for residents and visitors.

Co-Authors Aldrin Herwany Ariawaty, R. Rina Novianty Arie Widyastuti Daniel Christopher Desi Fitriyana Egi Arvian Firmansyah Egi Arvian Firmansyah, Egi Arvian Ernie Tisnawati Ernie Tisnawati, Ernie Hilmiana Hilmiana, Hilmiana Kurniawan Saefullah Mahanani Margani Maharditya, Muhammad Adika Margani, Mahanani Mokhamad Anwar, Mokhamad Muhammad Daffa Hamam Muhammad Hidayat Hadi Novelita, Pandu Rachmat Sudarsono Ratna Komara Ratna Komara Ratna Komara, Ratna Sulaeman Rahman Nidar Wa Ode Zusnita Wa Ode Zusnita Muizu Wa Ode Zusnita, Wa Ode Widianto, Sunu Widyastuti , Arie

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