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All Journal Jurnal Manajemen dan Bisnis (Performa) Journal The Winners Jurnal Ekonomi dan Bisnis Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Jurnal Pasar Modal dan Bisnis International Journal of Entrepreneurship and Sustainability Studies Money: Journal of Financial and Islamic Banking
Lufthia Sevriana
Universitas Al-Azhar Indonesia
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analysis of Attitude, Motivation, Knowledge and Lifestyle of the Consumers in Bandung Who Shop through Instagram Maharani, Nina; Sevriana, Lufthia
Journal the Winners: Economics, Business, Management, and Information System Journal Vol 18, No 1 (2017): The Winners Vol. 18 No. 1 2017
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v18i1.4049

Abstract

The research purposes were (1) to find out the most dominant variable (either it was attitude, motivation, knowledge or lifestyle) that had influenced consumers to do shopping through Instagram, and (2) to give a contribution to the marketing strategy for seller/reseller who run an online business through Instagram. The method of this research was a survey with 154 people as the sample. The sample selection technique of this research was accidental sampling. Data analysis of this research used a confirmatory factor analysis. It finds that the most dominant variable that influences consumers’ purchasing decision through Instagram is consumers’ knowledge. By knowing what the most dominant variable is, this study proposes the most appropriate marketing strategy base to the promotion of a brand in Instagram. The segmentation bases that can be used in Instagram are gender, social class, age, and lifestyle. The marketing target includes women of middle social class ranging from 15 until 25 years old. Most products sold in Instagram are related to fashion, accessories, and gadget.
Analisis Kelayakan Pembelian Saham PT Wijaya Karya (Persero), Tbk (WIKA) (Telah dipresentasikan pada The 4th National Investment Day Stock Analysis Competition) Lufthia Sevriana; Tia Yuliawati; Ferry Tri Mulyana; Iqbal Abdul Rahman; Fadhlani Kalia
Jurnal Manajemen Bisnis Performa Vol 15, No 2 (2018)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v0i0.4429

Abstract

ABSTRACT The Infrastructure Sector is one of the sectors that is the priority of the current government's attention. WIKA's shares as one of the BUMNs in Indonesia are in great demand for investors. From the results of the analysis using secondary data and descriptive methods, we recommend prospective investors to INVEST in PT WIKA's shares because the final results of various financial ratios show a positive trend and benefit investors. Solvability ratio (Debt to Total Asset Ratio) shows an upward trend which means the company is able to pay off long-term debt. The Activity Ratio (Asset Turnover Ratio) in the last few years shows that the trend is above the initial position, meaning that the company is able to manage assets well so that it generates revenue. The Net Profit Margin shows a downward trend due to several large development projects that have not been completed in the near future. Lastly, the Market Ratio (Earning Per Share) shows an increasing trend from the beginning, meaning that the longer it is kept, Every sheet of WIKA shares gives benefits to its owner.ABSTRAK  Sektor Infrastruktur merupakan salah satu sektor yang menjadi prioritas perhatian pemerintahan saat ini. Saham WIKA sebagai salah satu BUMN di Indonesia banyak diminati untuk dibeli oleh investor. Dari hasil analisis menggunakan data sekunder dan metode deskriptif, kami merekomendasikan calon investor untuk BERINVESTASI pada saham PT WIKA dikarenakan hasil akhir dari berbagai rasio keuangan menunjukkan trend yang positif dan menguntungkan investor. Rasio Solvabilitas (Debt to Total Asset Ratio) menunjukkan trend meningkat yang artinya perusahaan mampu melunasi hutang jangka panjang. Rasio Aktivitas (Rasio Perputaran Aktiva) pada beberapa tahun terakhir menunjukkan trend berada di atas posisi awal artinya perusahaan mampu mengelola asset dengan baik sehingga menghasilkan pendapatan. Rasio Profitabilitas yang (Net Profit Margin) menunjukkan trend menurun dikarenakan beberapa proyek pembangunan besar yang belum rampung dalam waktu dekat. Terakhir, Rasio Pasar (Earning Per Share) menunjukkan trend peningkatan dari sejak awal, artinya semakin lama disimpan, Setiap lembar saham WIKA memberi keuntungan bagi pemiliknya. 
PERKEMBANGAN GADAI EMAS SYARIAH DI PEGADAIAN SYARIAH Ratih Tresnati; Nugroho Hardiyanto; Lufthia Sevriana
Jurnal Manajemen Bisnis Performa Vol 12, No 2 (2015)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v0i0.3054

Abstract

Perkembangan Industri gadai emas syariah sempat mengalami perkembangan yang pesat antara tahun 2010 ke tahun 2011 namun setelah tahun 2012 perkembangan itu menjadi menurun setelah turunya peraturan Gadai Bank Indonesia No. 14/7/DpBs tertanggal 29 Februari 2012 yang membatasi pembiayan gadai sebesar Rp. 250 Juta. Pertumbuhan konsumen gadai emas juga mengalami penurunan sebesar 60%. Faktor utama penyebab penurunan tersebut adalah karena adanya peraturan Bank Indonesia tentang pembatasan maksimal nilai rahn, harga emas yang tidak stabil, dan Persaingan yang ketat antara sesama industri gadai syariah. Strategi marketing mix terbukti dapat meningkatkan omset usaha pegadaian syariah. Implementasi Strategi Produk, Harga, Distribusi, dan Promosi ternyata mampu mempengaruhi perkembangan jumlah nasabah.
MEMPERKUAT DAYA SAING BISNIS DAN EKONOMI DALAM MENGHADAPI ASEAN ECONOMIC COMMUNITY 2015 Lufthia Sevriana
Jurnal Manajemen Bisnis Performa Vol 12, No 1 (2015)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v0i1.3042

Abstract

MEA (masyarakat ekonomi asean) memiliki lima pilar utama, yakni Mobilitas barang, jasa, investasi, tenaga kerja terampil, dan modal. Indonesia sebagai pemilik jumlah penduduk tertinggi di ASEAN sebaiknya mempersiapkan diri untuk menghadapi MEA dengan menganalisis peluang MEA dari segi lima pilar tersebut dan mengevaluasi kondisi terkini di dalam negeri agar dapat diketahui aspek mana saja yang perlu diperbaiki dan aspek mana saja yang potensial untuk lebih dikembangkan. Peningkatan volume ekspor dapat menjadi salah satu solusi untuk memperkuat pilar mobilisasi barang Indonesia. Perbaikan kualitas pendidikan adalah salah satu upaya jangka panjang untuk menghasilkan sumber daya terampil yang lebih berkualitas. Hambatan dalam peningkatan kualitas jasa dapat dikurangi dengan mempermudah sarana dalam bisnis yang bergerak di bidang jasa seperti memperbaiki infrastruktur di dalam negeri. Pemerintah juga dapat memperbaiki pilar investasi dengan cara merevisi kemudahan pihak asing dalam menjalankan usaha di Indonesia, seperti yang sudah lama dijalankan oleh Singapura. Sementara untuk pilar mobilisasi arus modal, Indonesia sedang mengusahakan integrasi pada sektor keuangan agar dapat meminimalisir efek negatif dari derasnya arus modal yang biasa terjadi pada penerapan pasar bebas.
ADOPSI TERHADAP INOVASI: KAJIAN KONSEPTUAL IMPLEMENTASI PROGRAM LAKU PANDAI PADA LAYANAN BRILink Dikdik Tandika; Lufthia Sevriana
Jurnal Manajemen Bisnis Performa Vol 14, No 1 (2017)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v0i1.2641

Abstract

Financial inclusive is a part of three strategies to achieve economy welfare through poverty alleviation, two others strategies are social inclusion and economic inclusion. So far there are only two alternatives of  financial services for Indonesian far corners area, they are financial service through cooperative and loan sharks. Those condition causing unabsorbed society fund potential by Bank. At the end of march 2015, Financial Service Authority (OJK) inaugurate financial service innovation such as “Laku Pandai” Program as Banking solution to absorp society fund potential . BRILink as “Laku Pandai” Program, were introduced in 2013 and together with OJK as policy maker of financial inclusive program. This research will determine innovation characteristics at the user of BRILink services based on five innovation characteristics, they are: Relative advantage, Compatibility, Complexity, Trialability, Observability.
Bagaimana Situasi Politik mempengaruhi Abnormal Return Saham Besar di Indonesia Lufthia Sevriana; Erie Febrian
Jurnal Pasar Modal dan Bisnis Vol 3 No 1 (2021)
Publisher : The Indonesia Capital Market Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37194/jpmb.v3i1.74

Abstract

This study presents data on abnormal stock return movements with simple calculations. The result of deep analysis using event study method from major stocks in each sector, prove that There is negative response by the market to the student demonstration during the end of September 2019 that create abnormal return condition until it gets back to be normal in the middle of October. The sectors studied include the banking sector, construction, infrastructure, consumer needs, media, industrial materials, machinery, mining, and health care. Stock returns in Indonesia with inefficient market conditions are vulnerable to issues. Capital markets tend to be easily influenced by political and macroeconomic conditions, but even though the condition of return is abnormal, investors still have the potential to get favourable results. Keywords: Stock market, Market efficiency, Event study, Stock Price, Stock Returns
PEMANFAATAN NERACA SEBAGAI PENERAPAN FUNGSI PENGELOLAAN PERMODALAN UMKM (HASIL PEMIKIRAN KONSEPTUAL) Lufthia Sevriana
Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Vol 4, No 2 (2016): JURNAL ECODEMICA
Publisher : LPPM Universitas BSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (269.721 KB) | DOI: 10.31294/jeco.v4i2.803

Abstract

ABSTRACT This research was accomplished to be a contribution for Micro, Small, and Medium Entreprises because of our concern to the condition of the MSMES in enlarging their business. Characteristic of their problems are very classic. Most of them still disable to manage their capital, to take the advantage of techonology for their business, and to market their product widely, and so on. But capital as the basic needs of the business operation needs special treatment. From literature review, the writer found that although MSMES knew the advantage of financial statement arrangement, but not all of them willing to arrange financial statement with strong commitment. Although we actually entering the era of Asean Economic Community, the competency of financial statement arrangement are not distribute evenly among the Asean Countries. Therefore, MSMES need back up from the government, the corporation, and also academic people to train the MSMES entrepeneurs, and also to counsel them in improving their competence in arranging Income statement based on their implementation stage. Keywords: MSMES, Financial Statement, SAK ETAP.  ABSTRAK Tujuan Penelitian ini adalah untuk menjadi salah satu kontribusi bagi Usaha Mikro, Kecil dan Menengah karena kepedulian penulis pada kondisi UMKM dalam mengembangkan bisnisnya. Karakteristik dari permasalahan mereka sangat klasik. Kebanyakan UMKM masih tidak mampi mengelola modal mereka, mengambil manfaat dari teknologi untuk bisnis mereka, untuk memperluas jaringan pemasaran produknya, dan lain sebagainya. Akan tetapi, modal sebagai kebutuhan mendasar dari operasional bisnis mereka, membutuhkan perlakuan khusus. Dari kajian pustaka, penulis menemukan bahwa meskipun UMKM mengetahui manfaat dari penyusunan laporan keuangan, kebanyakan dari mereka tidak memiliki kemauan untuk menyusun laporan keuangan dengan komitmen yang kuat. Meskipun kita telah memasuki era MEA, kompetensi dalam penyusunan laporan keuangan tidak tedistribusi dengan rata diantara negara-negara Asean. Untuk itu, UMKM membutuhkan dukungan dari pemerintah, perusahaan dan juga akademisi untuk melatih pengusaha UMKM, dan juga untuk membimbing mereka dalam meningkatkan kompetensi dalam penyusunan laporan keuangan berdasarkan tahapan yan sudah mereka terapkan. Kata Kunci: UMKM, Laporan Keuangan, SAK ETAP
Implementation of Islamic Family Financial Planning Amidst the Covid-19 Pandemic Lufthia Sevriana; Marizsa Herlina
International Journal of Entrepreneurship and Sustainability Studies Vol. 1 No. 1 (2021): July 2021
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeass.v1i1.492

Abstract

Management of Muslim household finances contains several characteristics that distinguish it from non-Muslim household economic systems. In this study, the indicators are the knowledge of financial planning, experience of financial problems, knowledge of faith, and knowledge of Islamic financial instruments. The Respondents are married Muslims or Muslim individual who can manage Islamic family finances. The data were analyzed descriptively and continued with the SEM model estimation. The results showed that most respondents had not adjusted their financial budgets to the pandemic conditions. Meanwhile, from the SEM model, it is known that knowledge of financial planning, experience of financial problems, knowledge of Islamic financial instruments has an effect on Islamic financial planning with the greatest influence from knowledge of Islamic instruments of 0.48. The SEM Model of Islamic Family Financial Planning is a good enough model to describe the condition of respondents during the Covid-19 pandemic.
Analisis Literasi Keuangan Pada Kelompok Tani Saluyu Sevriana, Lufthia; Debyola Widuhung, Sisca
Money: Journal of Financial and Islamic Banking Vol. 1 No. 1 (2023)
Publisher : Program Studi Perbankan Syariah Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (266.062 KB) | DOI: 10.31004/money.v1i1.12314

Abstract

Tujuan  : Tujuan penelitian ini adalah memberikan kontribusi untuk pemulihan ekonomi Desa Saluyu dengan menyampaikan keterbatasan warga Desa untuk mengakses Layanan Keuangan Formal Metode – Metode yang digunakan dalan penelitian ini adalah metode kualitatif wawancara dan observasi terstruktur. Wawancara dilakukan secara terbuka untuk membentuk konstruk penelitian dengan mengikuti arah pembicaraan informan. Sementara itu observasi dilakukan dengan posisi observer diketahui oleh informan. Hasil – Masyarakat terbiasa meminjam kepada Bank Emok, yang diisitilahkan demikian karena Rentenir yang keliling ke rumah warga selalu duduk di lantai dengan posisi Emok, yakni posisi duduk sopan lesehan. Mereka dikenal dengan ciri khas membuat nasabah mengucapkan ikrar untuk membayar pokok pinjaman dengan bunganya tepat waktu. Pelaksanaan penyuluhan akan dibantu oleh Kader Tarka dari Cileunyi Kulon dan Tegal Sumedang. Originalitas (Novelty)- Faktor lokasi dan kurangnya literasi tentang kemudahan dan keuntungan dalam mengakses layanan keuangan formal membuat para warga  di Komunitas Petani Saluyu lebih memilih untuk menggunakan layanan keuangan yang informal yang dinilai lebih sederhana. Implikasi – Dari temuan tersebut, diperlukan sosialisasi yang dinamis dan berkelanjutan antara  akademisi, komunitas literasi keuangan dan perbankan untuk memberikan literasi yang tepat dan dapat dengan mudah diterima para warga di  Komunitas Petani Saluyu sehingga  tercipta perubahan perilaku para warga dalam mengakses layanan keuangan
THE STUDY ON ISLAMIC VALUES AND WOMEN ENTREPRENEURSHIP MSMES Maksum, Asep; Sevriana, Lufthia; Pratiwi, Anggun; Rahmi, Asri Noer
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 1 (2025): JANUARY - JUNE 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i1.63761

Abstract

This study investigates of Islamic values on the sustainability strategies of women-led, knowledge-based micro, small, and medium enterprises (MSMEs). Women entrepreneurs significantly contribute to community welfare, and to contextualize the analysis, this study employs a literature review approach by examining prior research on Islamic business ethics, gender dynamics in entrepreneurship, and sustainability practices in MSMEs. The review highlights how Islamic principles may serve as foundational values influencing sustainable business practices among women entrepreneurs. By using bibliometric analysis using data from the Scopus database spanning from 2005 to 2024. A total of 29 documents were initially identified using keywords related to Islamic values, women entrepreneurship, and MSMEs. The bibliometric data were analyzed using VOSviewer software to visualize publication trends, keyword networks, and research clusters in the field. Bibliometric analysis of 22 Scopus-indexed articles identified three dominant research clusters: Islamic ethics and gender identity, social capital and business knowledge, and community-based micro entrepreneurship. The Journal of Business Ethics was the most prominent outlet, and the most cited scholars were Essers & Benschop (2009). The results highlight a lack of empirical research connecting Islamic values with financial literacy and sustainability outcomes in women-led MSMEs. Islamic values, such as honesty, justice, and social responsibility, serve as ethical foundations for women entrepreneurs in Muslim contexts. Future studies should examine the link between Islamic womenpreneurs and financial literacy, particularly their engagement with Islamic microfinance. Additionally, exploring how cultural variations within Muslim societies influence women's entrepreneurial approaches would provide valuable insights.
Co-Authors Agustiningsih, Dheka Dwi Allya Roosallyn Assyofa Anggun Pratiwi Dikdik Tandika Eneng Nur Hasanah, Eneng Nur Erie Febrian Fadhlani Kalia Ferry Tri Mulyana Iqbal Abdul Rahman Maharani, Nina Maksum, Asep Marizsa Herlina Nugroho Hardiyanto Rahmi, Asri Noer Rani, Asni Mustika Ratih Tresnati Sisca Debyola Widuhung Sumpena, Firly Firmansyah Tia Yuliawati