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Penguatan Keuangan Mikro Melalui Pelatihan Manajemen Risiko dan Investasi Untuk Pedagang Kecil Sofyan Abas; Fitriningsih Amalo; Klemens Mere; Heidi Siddiqa
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 2 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i2.10290

Abstract

Program pengabdian kepada masyarakat ini bertujuan untuk memperkuat kapasitas keuangan mikro bagi para pedagang kecil melalui pelatihan manajemen risiko dan investasi. Pedagang kecil kerap menghadapi berbagai tantangan, seperti pendapatan yang tidak stabil, keterbatasan akses terhadap kredit, serta kerentanan terhadap fluktuasi pasar. Selain itu, sebagian besar pedagang masih kurang memiliki pemahaman tentang strategi investasi yang tepat untuk meningkatkan keberlanjutan usaha. Metode yang digunakan adalah pendekatan pengabdian kepada masyarakat secara partisipatif, melalui kegiatan lokakarya, pendampingan, dan diskusi interaktif bersama pedagang setempat. Materi pelatihan mencakup identifikasi risiko dasar, perencanaan keuangan, diversifikasi investasi, serta simulasi kasus praktis. Evaluasi dilakukan melalui pre-test dan post-test, serta observasi langsung terhadap kemampuan peserta dalam menerapkan teknik manajemen keuangan pada usahanya. Hasil kegiatan menunjukkan adanya peningkatan kesadaran dan pemahaman mengenai manajemen risiko, serta keterampilan yang lebih baik dalam menyusun rencana investasi sederhana. Program ini menegaskan pentingnya peningkatan literasi keuangan guna memperkuat ketahanan dan pertumbuhan pedagang kecil dalam menghadapi tantangan ekonomi.
Pengaruh Total Asset Turnover, Debt To Equity Ratio, dan Net Profit Margin terhadap Return Saham Perusahaan Ritel Bei 2021-2024 Rahma Maripatu Saripah; Heidi Siddiqa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 2 (2026): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i2.1647

Abstract

 This study was conducted to evaluate the influence of Total Asset Turnover (TATO), Debt to Equity Ratio (DER), and Net Profit Margin (NPM) in predicting stock return fluctuations. The study focuses on retail sector issuers listed on the Indonesian Stock Exchange (IDX) between 2021 and 2024. Through the application of panel data regression analysis, the study determined that the Common Effects Model (CEM) is the most appropriate estimation method. This decision was made based on a series of tests including the Chow Test and the Lagrange Multiplier. Although classical assumption testing showed symptoms of heteroscedasticity, this problem was addressed using the EGLS (cross-sector weighting) Panel method to ensure the validity of the estimates. Based on partial testing, it is found that TATO and NPM variables have a positive and significant contribution to stock returns, while DER is found to have no significant effect. Collectively, all independent variables had a significant effect, with the Adjusted R-Square value reaching 27.80%. This indicates that for investors in the retail sector, profitability and operational efficiency are important indicators in making investment decisions.
Pengaruh ROA, CR dan DER Terhadap PBV pada Perusahaan Non-Bank Indeks LQ45 di BEI Periode 2022-2024 Neng Wine Azri; Heidi Siddiqa
Indonesian Journal of Management Science Vol. 5 No. 1: Juni 2026
Publisher : Program Magister Manajemen Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/ijms.v5i1.778

Abstract

Perusahaan pada dasarnya dibangun untuk mencapai target jangka pendek maupun panjang melalui aktivitas operasionalnya. Tujuan jangka panjang terutama fokus pada memaksimalkan nilai perus-ahaan demi kemakmuran pemilik modal dan pemangku kepentingan lainnya. Studi ini mengeksplorasi keterkaitan antara ROA, CR dan DER terhadap PBV pada entitas non-bank indeks LQ45 tahun 2022-2024. Penelitian ini memiliki kebaruan pada fokus penelitian dan tahun pasca pandemi. Dengan mengadopsi pendekatan kuantitatif melalui teknik regresi berganda yang diproses menggunakan aplikasi SPSS v.26. Penelitian ini memanfaatkan data sekunder yang bersumber dari laporan keuangan resmi perusahaan. Melalui seleksi 12 emiten sebagai sampel, diperoleh total 36 data observasi laporan keuangan.Temuan empiris menunjukkan bahwa ROA dan DER memiliki kolerasi positif yang signifikan terhadap PBV. Semakin tinggi ROA mengindikasikan bahwa Perusahaan mampu mengelola manajemen secara efesien yang pada akhirnya meningkatkan nilai Perusahaan. Sementara itu, CR tidak berpengaruh terhadap PBV.
Sustainable Finance Practices And Their Impact On Corporate Financial Performance Diah Anggraini; Irwan Moridu; Heidi Siddiqa; Billy Dewantara; Claudya Nurcahaya
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 4 (2026): 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.v7i4.10981

Abstract

This study aims to analyze the impact of sustainable finance practices on corporate financial performance using a literature review approach. Sustainable finance, reflected in the implementation of Environmental, Social, and Governance (ESG) principles, has become a critical issue in modern business as awareness of sustainability and corporate social responsibility continues to grow. The research method employed is a systematic literature review of relevant academic sources, including peer-reviewed journals, scholarly books, and institutional reports published between 2010 and 2025. The findings indicate that sustainable finance practices generally have a positive impact on corporate financial performance, particularly in the long term. Improvements in operational efficiency, corporate reputation, risk management, and access to financial resources are key drivers of this positive relationship. However, the results also reveal that the relationship is not always consistent, as it is influenced by contextual factors such as industry type, firm size, and regulatory environment. In addition, in the short term, sustainable finance practices may have a negative impact due to the high costs associated with their implementation. This study concludes that sustainable finance is a strategic approach that can enhance long-term corporate value, although it requires an integrated and long-term orientation. The findings are expected to provide insights for corporations, investors, and policymakers in developing sustainable business strategies.
Pengaruh Total Asset Turnover, Debt To Equity Ratio, dan Net Profit Margin terhadap Return Saham Perusahaan Ritel Bei 2021-2024 Rahma Maripatu Saripah; Heidi Siddiqa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 2 (2026): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i2.1647

Abstract

 This study was conducted to evaluate the influence of Total Asset Turnover (TATO), Debt to Equity Ratio (DER), and Net Profit Margin (NPM) in predicting stock return fluctuations. The study focuses on retail sector issuers listed on the Indonesian Stock Exchange (IDX) between 2021 and 2024. Through the application of panel data regression analysis, the study determined that the Common Effects Model (CEM) is the most appropriate estimation method. This decision was made based on a series of tests including the Chow Test and the Lagrange Multiplier. Although classical assumption testing showed symptoms of heteroscedasticity, this problem was addressed using the EGLS (cross-sector weighting) Panel method to ensure the validity of the estimates. Based on partial testing, it is found that TATO and NPM variables have a positive and significant contribution to stock returns, while DER is found to have no significant effect. Collectively, all independent variables had a significant effect, with the Adjusted R-Square value reaching 27.80%. This indicates that for investors in the retail sector, profitability and operational efficiency are important indicators in making investment decisions.