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All Journal Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) JURISMA: Jurnal Riset Bisnis & Manajemen JIKA: Jurnal Ilmu Keuangan dan Perbankan Mitra Akademia: Jurnal Pengabdian Masyarakat JURNAL LENTERA AKUNTANSI Journal of Applied Sciences in Accounting, Finance, and Tax Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Business Studies and Management Review
Ratna Juwita*
Politeknik Negeri Jakarta/ Universitas Indonesia
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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SUSTAINABLE GROWTH RATE DALAM MEMPENGARUHI RETURN SAHAM DENGAN COVID-19 DAN SUSTAINABILITY REPORT SEBAGAI VARIABEL MODERASI Nova Febriani; Atma Hayat; Ali Sadikin; Ratna Juwita
Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi) Vol 6 No 3 (2022): Edisi September - Desember 2022
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1426.293 KB) | DOI: 10.31955/mea.v6i3.2371

Abstract

Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh dari sustainable growth rate terhadap return saham, serta untuk mengetahui perbedaan pengaruhnya saat ada pendemi covid-19 dan pada saat perusahaan mengungkapkan sustainability report. Penelitian ini dilakukan pada 60 perusahaan terdaftar di BEI yang dipilih melalui teknik purposive sampling dengan menggunakan teknik analisis data berupa panel regression. Hasil penelitian menunjukkan sustainable growth rate berpengaruh negatif signifikan terhadap return. Pengaruh negatif antara sustainable growth rate terhadap return saham menjadi semakin kuat pada saat pandemi Covid-19. Investor lebih senang pada perusahaan yang memiliki sustainable growth rate yang rendah saat pandemi Covid-19 karena investor lebih tertarik pada perusahaan yang membagikan dividen dalam jumlah yang tinggi. Hasil penelitian juga menunjukkan jika perusahaan yang menerbitkan sustainability report dan yang tidak menerbitkan tidak memberikan dampak yang signifikan antara pengaruh sustainable growth rate terhadap return saham. Investor masih menganggap laporan ini bukan menjadi tolak ukur utama dalam berinvestasi di pasar modal.
PENGARUH CORPORATE SOCIAL RESPONSIBILITY (CSR) DAN GOOD CORPORATE GOVERNANCE (GCG) TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN PERBANKAN BUMN YANG TERDAFTAR DI BEI PERIODE 2007-2021 Anita Noni Fitriana; Ratna Juwita
JURNAL LENTERA AKUNTANSI Vol 8, No 1 (2023): JURNAL LENTERA AKUNTANSI, MEI 2023
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrakt.v8i1.740

Abstract

Financial performance is an important instrument used to determine whether a company is in health conditions or not. The way to measure financial performance is to look at profitability ratios through ROA and market ratios through EPS. The purpose of this research are to obtain empirical evidence regarding the influence of CSR and GCG on the financial performance of government banking as measured using ROA and EPS. This study uses secondary data, the population used are government banking companies listed on the Indonesia Stock Exchange in 2007-2021. The sample selection used a purposive sampling method and obtained 60 observational data. The analytical method in this study used panel data regression analysis which was processed using Eviews version 12 with the random effect model method for the ROA ratio and the fixed effect model for the EPS ratio. The results of this study indicate that CSR and GCG as measured through independent board have a significant effect on the financial performance of government banking, then GCG as measured using an audit committee has a significant effect on financial performance as measured by EPS, then the audit committee on ROA and institutional ownership does not significant effect on financial performance as measured by ROA and EPS.Keywords: CSR, GCG, Audit Committee, Independent Board, Institutional Ownership, ROA, EPS 
The influence of financial literacy and psychological factors on money market mutual fund investment decisions Muhammad Rayhan Indrastoto; Ratna Juwita
Journal of Applied Sciences in Accounting, Finance, and Tax Vol. 6 No. 2 (2023): October 2023
Publisher : Unit Publikasi Ilmiah, P3M, Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31940/jasafint.v6i2.90-99

Abstract

Indonesia has experienced economic growth after the Covid-19 pandemic, which was accompanied by an increase in the number of first-time investors, especially the millennial and z generations. However, the lack of financial and psychological literacy of each investor, especially beginners who are not mature enough, will affect investment decisions that are not optimal. This study aims to examine the effect of financial literacy and psychological factors on money market mutual fund investment decisions. This research is a type of quantitative research. Methods of data collection by distributing questionnaires to 395 respondents who meet the criteria. The method used is Structural Equation Model - Partial Least Square. From the results of the study it was found that the T test on the independent variable Financial Literacy was 3,455 with a significance of 0.001, which means it has a significant effect on investment decisions, Emotion is 1,487 with a significance of 0.137, which means it does not have a significant effect on investment decisions, Social Interaction is 0.890 with a significance of 0.374, which means it is not significant effect on investment decisions, Considering The Past of 2.769 with a significance of 0.006, which means a significant effect on investment decisions. It is hoped that this research will provide insight to respondents that investment decisions can be measured using the level of financial literacy and psychological factors such as emotions, social interaction and considering the past.
DETERMINANTS OF SHARIA RETIREMENT FINANCIAL PLANNING MILLENNIAL GENERATION IN INDONESIA Nurul Hasanah; Ratna Juwita; Aprilia Nur Fitriana; Muthi'ah Rahmah Syahidah; Ricardo Marcell Dimas Djiwandono
JOURNAL OF BUSINESS STUDIES AND MANGEMENT REVIEW Vol. 7 No. 1 (2023): JBSMR, Vol 7 No.1 December 2023
Publisher : Management Department, Faculty of Economics and Business, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jbsmr.v7i1.29182

Abstract

The research was motivated by a phenomenon where many retirees in Indonesia could not enjoy a prosperous retirement, and some even had to continue working to meet their living needs. Based on this phenomenon, financial planning is very important for well-being in old age and needs to be done early when someone is still in their productive period. However, the millennial generation, as the largest population of productive age, does not yet have financial planning for retirement. In line with Indonesian society, which is predominantly Muslim, the goal of finance is not only for peace in this world but also in the afterlife. For this reason, the research aims to analyze the factors determining the millennial generation's Islamic retirement financial planning. The research method used is SEM-PLS with the variables studied including financial literacy, clarity of retirement goals, and financial attitudes as mediating variables. The research results show that financial literacy and clarity of retirement goals directly influence financial attitudes, but do not influence sharia retirement financial planning. Apart from that, financial attitudes also show that the results do not affect sharia retirement financial planning. Financial attitudes do not mediate the influence of financial literacy and clarity of retirement goals on Sharia retirement financial planning. The results of this research can be used as consideration for the government and pension fund companies in determining strategies and policies to improve the welfare of the Indonesian population.
Business plan for business development and financing opportunities for (micro) small and medium enterprises Ratna Juwita; Mia Andika Sari; Lini Ingriyani; Anis Wahyu Intan Maris; Sabar Warsini; Indianik Aminah
Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Vol 7 No 1 (2024): Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS)
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jipemas.v7i1.19499

Abstract

One of the problems faced by MSMEs is the difficulty of obtaining capital from outside parties. After conducting interviews with the Bogor Regency MSME association which accommodates about 700,000 MSMEs, information was obtained that one of the causes of the funding difficulties was the unavailability of a business plan by MSMEs. This was also confirmed through answers from MSMEs trainees, where 100% of MSMEs did not have a written business plan either manually or digitally. The method for community development activities is Participatory Action Research (PAR), which emphasizes meeting needs and solving problems in the community. The Business Model Canvas method was chosen for making MSMEs' business plan by reviewing the literature and paying attention to best practices. After attending the training, all MSMEs understand the Business Model Canvas (BMC). After understanding BMC, all MSMEs created business models in groups with assistance from community engagement team (authors). MSMEs fill all blocks relatively well in BMC, but there needs to be an increase in filling customer segments and cost structure. Next, the business model created by the MSME is input into a digital application, which is ready to be printed by the MSME (carried out in the next activity). It is hoped that this business model in digital and print form will answer one of the administrative obstacles in obtaining external funding.
The Determinant of Job Performance for Laborers in Manufacturing Companies in Jakarta Juwita*, Ratna; Wulandari, Karina; Arifa, Adinda Delia; Hakim, Arif Rahman; Rabbani, Muhammad Umar; Tambunan, Ryan Andreas; Ardiansyah, Sahril
JURISMA : Jurnal Riset Bisnis & Manajemen Vol 13 No 1: April 2023
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v13i1.9400

Abstract

This study aims to answer the determinants of job performance based on workplace spirituality, workplace climate, and compensation. Spiritual workplaces are represented by engaging work and a sense of community. By conducting multiple regression tests on respondents from manufacturing companies in Jakarta, it can be concluded that a sense of community and compensation determine the increase in the job performance of workers. The method used is descriptive and verification tests with the classical assumption test. To increase the sense of community, companies can emphasize the formation of workers' sense of belonging to an organization through informal activities such as outings and 'small talks' with employees so that they feel part of the company. Keywords: Job Performance; Workplace Spirituality; Workplace Climate; Compensation; Engaging Work; Sense of Community
Comparison Analysis of “Safe Investment” Juwita*, Ratna; Rahayu, Fitri; Sari, Mia Andika
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 12 No 1: Desember 2022
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v12i1.7984

Abstract

This study aims to compare the return; risk; and coefficient of variation in gold; money market mutual funds; and government bonds in 2016-2021, as well as to determine the best investment instruments for investors. The data of this study are the historical monthly closing price of ANTAM's gold, NAV per unit of Manulife Indonesia Money Market Fund, and yield government bond series FR0056. The analytical method used in this study is a comparative method consisting of the Kruskal-Wallis test and further tests with Mann-Whitney. The results indicate significant differences between returns on gold and government bonds, returns on money market mutual funds and government bonds, and no significant difference between returns on gold and money market mutual funds. In terms of risk, it is known that each investment instrument has different risks, so choosing one investment instrument will provide a smaller risk. Keywords: Return; Risk; Coefficient of Variation; Gold; Mutual Funds; Bonds Penelitian ini bertujuan untuk mengetahui perbandingan imbal hasil; risiko; dan koefisien variasi pada emas; reksa dana pasar uang; dan obligasi pemerintah tahun 2016-2021, serta untuk menentukan instrumen investasi terbaik bagi investor. Data pada penelitian ini adalah data bulanan harga penutupan emas ANTAM, NAB per unit Reksa Dana Pasar Uang Manulife Indonesia, dan imbal hasil obligasi pemerintah seri FR0056. Metode analisis yang digunakan adalah komparatif yang terdiri dari uji Kruskal-Wallis dan uji lanjut Mann Whitney. Hasil penelitian menunjukkan terdapat perbedaan yang signifikan antara imbal hasil emas dan obligasi pemerintah, imbal hasil reksa dana pasar uang dan obligasi pemerintah, serta tidak terdapat perbedaan yang signifikan antara imbal hasil emas dan reksa dana pasar uang. Dilihat dari segi risiko diketahui bahwa setiap instrument investasi memiliki risiko yang berbeda, sehingga memilih salah satu instrument investasi akan memberikan risiko yang lebih kecil. Kata Kunci: Imbal hasil; Risiko; Koefisien Variasi; Emas; Reksadana; Obligasi
The Determinants of Cryptocurrency Returns Juwita*, Ratna; Ramadhani, Dewi Melinia; Maris, Anis Wahyu Intan
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 12 No 2: Juni 2023
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v12i2.9461

Abstract

This study examines the determinants of cryptocurrency returns, namely Trading Volume, Price Volatility, and Market Capitalization. This study uses Bitcoin, Ethereum, Tether, USD Coin, and BNB, which are the Top 5 largest Cryptocurrency Market Capitalizations in 2022. The testing method used in this study is a panel data regression analysis. The results of this study prove that Trading Volume and Price Volatility have a significant and positive effect on Cryptocurrency Returns. In contrast, Market Capitalization does not substantially impact Cryptocurrency Returns. If investors want to earn high returns, then it is advisable to choose cryptocurrencies with high trading volume and high price volatility. But keep in mind, with high price volatility can also mean a greater risk of the coin. Keywords: Cryptocurrency; Trading Volume; Price Volatility; Market Capitalization; Return Abstrak Penelitian ini bertujuan untuk menguji berbagai factor penentu imbal hasil cryptocurrency yaitu Volume Perdagangan, Volatilitas Harga dan Market Capitalization. Studi ini menggunakan Bitcoin, Ethereum, Tether, USD Coin, dan BNB yang merupakan Top 5 Market Capitalization Cryptocurrency terbesar tahun 2022. Metode pengujian yang dilakukan dalam penelitian ini yaitu uji analisis regresi data panel. Hasil dari penelitian ini membuktikan bahwa Volume Perdagangan dan Volatilitas Harga berpengaruh signifikan dan positif terhadap Return Cryptocurrency, sedangkan Market Capitalization tidak memiliki pengaruh yang signifikan terhadap Return Cryptocurrency. Jika investor ingin mendapatkan return yang tinngi, maka disarankan untuk memilih cryptocurrency yang memiliki Volume Perdagangan dan Volatilitas Harga yang tinggi. Namun yang perlu diingat adalah, dengan tingginya Volatilitas Harga berarti pula tingginya risiko koin crypto tersebut. Kata Kunci: Mata uang kripto; Volume Perdagangan; Volatilitas Harga; Kapitalisasi pasar; Pengembalian
Upaya Peningkatan Literasi Keuangan Para Guru di Yayasan Al Muhajirin, Kota Depok Purwaningrum, Endang; Juwita, Ratna; Ingriyani, Lini; Aminah, Indianik; Zulmaita; N, Fatimah
Mitra Akademia: Jurnal Pengabdian Masyarakat Vol 7 No 1 (2024): Mitra Akademia: Jurnal Pengabdian Masyarakat
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat (P3M) Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/mapnj.v7i1.6432

Abstract

Rendahnya literasi keuangan, terutama masalah investasi reksadana, saham dan obligasi pada pendidik di Yayasan Muhajirin Depok, tim kegiatan pengabdian melakukan pelatihan untuk meningkatkan pengetahuan, ketrampilan, sikap dan perilaku keuangan para peserta pelatihan. Pelatihan menggunakan dua pendekatan, pendekatan pertama adalah pendekatan teori dalam upaya meningkatkan pemahaman tentang investasi reksadana, saham dan obligasi. Pendekatan kedua adalah pendekatan praktik untuk meningkatkan keterampilan melakukan perdagangan saham di Bursa Efek Indonesia (BEI). Dari pendekatan teori terjadi peningkatan pemahaman tentang instrumen investasi sebesar 10%, sedangkan dari pendekatan praktik, terjadi peningkatan skil dalam membeli dan menjual saham menggunakan aplikasi stockbit. Dalam sesi praktik peserta telah membuktikan bahwa investasi saham melekat prinsip High Risk High return. Tiga Peserta terpilih yang mendapatkan bantuan dana investasi sebesar Rp500.000,- telah mendapatkan keuntungan besar yaitu sebesar 60% dalam kurun waktu satu bulan. Hal ini membuktikan bahwa investasi saham benar bisa mendapatkan return besar, namun sebaliknya bisa mendapatkan kerugian dalam waktu singkat. Kekurangan dari kegiatan ini adalah peserta belum diajarkan masalah analisis fundamental dan analisis teknikal karena keterbatasan waktu pelaksanaan pelatihan.
Co-Authors Ali Sadikin Anis Wahyu Intan Maris Anita Noni Fitriana Aprilia Nur Fitriana Ardiansyah, Sahril Arif Rahman Hakim Arifa, Adinda Delia Atma Hayat Endang Purwaningrum Fitri Rahayu Indianik Aminah Indianik Aminah Lini Ingriyani Lini Ingriyani, Lini Maris, Anis Wahyu Intan Mia Andika Sari Mia Andika Sari, Mia Andika Muhammad Rayhan Indrastoto Muthi'ah Rahmah Syahidah N, Fatimah Nova Febriani Nurul Hasanah Rabbani, Muhammad Umar Ramadhani, Dewi Melinia Ricardo Marcell Dimas Djiwandono Sabar Warsini Tambunan, Ryan Andreas Wulandari, Karina Zulmaita