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All Journal Dinamisia: Jurnal Pengabdian Kepada Masyarakat Pendas : Jurnah Ilmiah Pendidikan Dasar JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Maslahah: Jurnal Pengabdian Masyarakat Bulletin of Management and Business Al-Maqashid: Journal of Economics and Islamic Business Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) DFAME Digital Financial Accounting Management Economics Journal Jurnal Media Akademik (JMA) Setawar Abdimas Journal of Economic Empowerment Strategy (JEES) Madaris: Jurnal Guru Inovatif Journal of Community Service Proceedings National Conference Sisi Indonesia Innovation Business Management and Accounting Journal Wikara National Economic and Social Research Development
Nur Izzati
STIE Wibawa Karta Raharja, Purwakarta, Indinesia
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Kebijakan Manajemen Keuangan Dan Inflasi Terhadap Kinerja Keuangan Pada Pt. Bank Tabungan Negara (Persero) Tbk Izzati, Nur Izzati; Saroni, Wahid Hasim Saroni; Hendraliany, Srie Hendraliany; Putri, Suci Nadiya Putri
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 3 (2025): AGUSTUS
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i3.319

Abstract

Since the covid pandemic in 2019, the global economic conditions have experienced significant pressure such as decreased economic activity, as well as disruption of cash flow and liquidity. The impact of the pandemic pressure is felt mainly by the banking industry. However, based on OJK data at the end of 2020, conventional commercial banks with total assets of IDR 8,386 and based on Bank Indonesia, it can be seen that the amount of DPK has increased to IDR 6,665,390 billion in December 2020. Therefore, it is necessary to conduct a profitability ratio analysis that supports financial performance which is proxied by Net Interest Margin (NIM) by testing other financial variables that are indicated to be control variables such as Loan to Deposit Ratio (LDR) and Inflation. This study aims to understand the effect of Loan to Deposit Ratio (LDR) partially on Net Interest Margin (NIM) and see the effect of inflation partially on 1Net Interest Margin (NIM) and understand the simultaneous effect of Loan to Deposit Ratio (LDR) and inflation on Net Interest Margin (NIM) at PT. Bank Tabungan Negara (Persero) Tbk. The research method used is descriptive statistical analysis with a quantitative approach. The data used is secondary data. Testing of research variables was conducted using multiple linear regression analysis method, t-test, F-test, and coefficient of determination (R2) test. Based on the calculation results using SPSS 29.0.1, it was concluded that the hypothesis that the Loan to Deposit Ratio (LDR) and Inflation simultaneously have a significant effect on Net Interest Margin (NIM) Ha is accepted, Ho is rejected. However, partially (t-test) the Loan to Deposit Ratio (LDR) does not have a significant effect on Net Interest Margin (NIM) while Inflation has a significant effect on Net Interest Margin (NIM).
Pengaruh Arus Kas Operasi, Financial Leverage Dan Likuiditas Terhadap Return Saham Pada Perusahaan Yang Terdaftar Di Jakarta Islamic Index (JII) Nurmeilita, Tasha; Elisabect, Elisabect; Izzati, Nur; Adilatu, Muhamad; Nugroho Budi Wirawan
DFAME Digital Financial Accounting Management Economics Journal Vol 3 No 4 (2025): November
Publisher : Awatara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61434/dfame.v3i4.324

Abstract

This study aims to examine the effect of operating cash flow, financial leverage, and liquidity on stock return in companies listed on the Jakarta Islamic Index (JII) for the period of 2021–2023. The research is motivated by the fluctuation in stock returns and financial conditions of JII companies, which are influenced by various fundamental factors. This study uses a quantitative approach with multiple linear regression analysis. The data used are secondary data obtained from 10 actively listed companies in the JII. The results show that, partially, operating cash flow has no significant effect on stock return, financial leverage also shows no significant effect, and liquidity likewise does not significantly affect stock return. Simultaneously, the three variables do not have a significant impact on stock return. These findings suggest that stock returns in JII companies during the observed period are influenced by other factors beyond operating cash flow, financial leverage, and liquidity. This research is expected to provide useful insights for investors, companies, and capital market regulators in making strategic decisions in the Islamic stock market. 
Kapabilitas Manajemen Pengetahuan dan Orientasi Kewirausahaan dalam Mendorong Inovasi UMKM Tri Hadi Sulistyanto; Dewi Puspasari; Indri Putri Utami; Nur Izzati; Budhi Supriyadi
Proceedings National Conference Sinesia Vol. 1 No. 2 (2025): Accelerating SDGs Implementation in Indonesia towards a Golden Indonesia 2045
Publisher : Yayasan Penelitian dan Pengabdian Masyarakat Sisi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/ncrcs-sinesia.v1i2.105

Abstract

Penelitian ini bertujuan menganalisis pengaruh digital capability (DC), entrepreneurial orientation (EO), dan learning culture (LC) terhadap innovation performance (IP) UMKM di Kota Bekasi, dengan knowledge management capability (KMC) sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif melalui survei terhadap 252 UMKM yang dipilih menggunakan rumus Slovin dari populasi 681 UMKM. Pengumpulan data dilakukan dengan kuesioner menggunakan indikator terukur pada masing-masing variabel. Analisis data menggunakan PLS-SEM mencakup uji validitas, reliabilitas, diskriminan, multikolinearitas, serta pengujian hipotesis dan mediasi. Hasil penelitian menunjukkan bahwa DC, EO, dan LC berpengaruh positif signifikan terhadap IP, baik secara langsung maupun melalui KMC. Selanjutnya KMC terbukti menjadi mekanisme penting yang memperkuat hubungan antara DC dan LC dengan IP, sementara EO memiliki pengaruh langsung paling kuat terhadap IP. Temuan ini menegaskan bahwa penguatan kapabilitas digital, orientasi kewirausahaan, budaya pembelajaran, serta pengelolaan pengetahuan merupakan faktor strategis dalam meningkatkan kinerja inovasi UMKM di era digital. Penelitian ini memberikan kontribusi teoretis dalam pengembangan model integratif inovasi UMKM serta rekomendasi praktis bagi UMKM dan pemerintah daerah untuk memperkuat kesiapan digital dan sistem manajemen pengetahuan guna meningkatkan daya saing.
Peningkatan Keterampilan Kepemimpinan OSIS melalui Pelatihan Interaktif di SMKN 1 Cibatu Purwakarta Sulistyanto, Tri Hadi; Kusmana, Oman; Izzati, Nur; Ramadesa, Andes; Firdaus, Fattah
Sinesia : Jurnal Pengabdian Masyarakat Vol 3 No 1 (2026): Pemberdayaan Masyarakat dan Inovasi Pendidikan untuk Pembangunan Sosial Berkelanj
Publisher : Yayasan Penelitian Dan Pengabdian Masyarakat Sisi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/sinesia-jcs.v3i1.810

Abstract

This community service activity aims to improve the leadership skills of students who serve as members of the student council (OSIS) at SMKN 1 Cibatu at Cibatu District, Purwakarta Regency. The background of this activity is based on the potenial development of reflective thinking, decision-making accuracy, and concentration among students in carrying out leadership roles. The method used combines community education through lectures and interactive training through interactive games involving 45 students as participants. The evaluation was conducted using pre-test and post-test to measure participants’ improvement. The results show a significant increase in all measured indicators, where reflective thinking improved from 10% to 100%, while decision-making accuracy and concentration increased from 30% to 100%. These findings indicate that the training method is effective in improving students’ cognitive and behavioral abilities, particularly in leadership aspects. Therefore, this activity provides a positive contribution to the development of students’ leadership capacity to support their roles in school organizations
Students Decide to Buy Products According to Their Needs on Online Shopping Applications Indri Putri Utami; Dini Fitriani; Nur Izzati
Innovation Business Management and Accounting Journal Vol. 4 No. 1 (2025): January - March
Publisher : Trescode Green Organization

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56070/ibmaj.2025.006

Abstract

This study has the aim of knowing (1) whether there is an effect of product quality on purchasing decisions through the shopee marketplace. (2) whether there is an influence of trust on purchasing decisions through the Shopee marketplace. (3) is there an influence of product quality and trust on purchasing decisions through the shopee marketplace. The data source in this study was obtained from a questionnaire (primary) distributed to respondents. The research sample amounted to 91 people. The data that has been collected, processed and analyzed using smartpls 3.0 tools through a series of tests, namely descriptive statistics, measurement model / outer model (validity test, reliability test and multicollinearity test), structural model / inner model (r square, q square predictive relevance) and hypothesis testing. The results showed that partially the two independent variables, namely product quality and trust, had an effect on the dependent variable, namely purchasing decisions. And simultaneously product quality and trust affect purchasing decisions.
Analisis Pengelolaan Alokasi Dana Desa Dalam Meningkatkan Kinerja Keuangan Pada Kantor Desa Taringgul Tengah Kecamatan Wanayasa Kabupaten Purwakarta Widaningsih; Asep Yogi Permana; Nur Izzati
Wikara National Economic and Social Research Development Vol 6 No 2 (2025): Wikara National Economic and Social Research Development
Publisher : STIE WIBAWA KARTA RAHARJA PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54010/wnesrd.v6.n2.5

Abstract

Penelitian ini bertujuan untuk menganalisis pengelolaan alokasi dana desa serta dampaknya terhadap peningkatan kinerja keuangan di Kantor Desa Taringgul Tengah, Kecamatan Wanayasa, Kabupaten Purwakarta. Latar belakang penelitian didasari oleh pentingnya peran dana desa sebagai sumber pendanaan utama pembangunan dan pemberdayaan masyarakat, serta tuntutan pengelolaan yang akuntabel, transparan, dan sesuai peraturan perundang-undangan. Metode penelitian yang digunakan adalah deskriptif kualitatif, dengan teknik pengumpulan data berupa observasi, wawancara mendalam kepada perangkat desa dan pihak terkait, serta studi dokumentasi laporan pertanggungjawaban keuangan desa tahun anggaran berjalan. Hasil penelitian menunjukkan bahwa pengelolaan alokasi dana desa telah dilaksanakan melalui tahapan perencanaan, pelaksanaan, penatausahaan, pelaporan, dan pertanggungjawaban yang mengacu pada Peraturan Pemerintah Nomor 60 Tahun 2014. Alokasi dana digunakan untuk bidang penyelenggaraan pemerintahan, pembangunan, pemberdayaan masyarakat, dan penanggulangan kemiskinan. Penerapan prinsip pengelolaan yang baik terbukti meningkatkan efektivitas penggunaan anggaran, ketepatan waktu pelaporan, serta akuntabilitas publik. Kendala yang dihadapi meliputi keterbatasan kemampuan sumber daya manusia dalam pencatatan keuangan dan keterlambatan penyaluran dana dari pemerintah daerah. Penelitian ini menyimpulkan bahwa pengelolaan alokasi dana desa yang terencana dan teratur secara signifikan meningkatkan kinerja keuangan desa. Implikasi praktis dari penelitian ini adalah perlunya peningkatan kapasitas aparatur desa dan penyempurnaan sistem administrasi agar pengelolaan keuangan semakin optimal dan sesuai standar.
PENGUATAN KETAHANAN PANGAN MASYARAKAT MELALUI SISTEM HIDROPONIK DAN AKUAPONIK SEDERHANA DESA SIRNAMANAH Nur Izzati; Eko Wiji Pamungkas; Dede Suhendi; Dini Fitriani; Irawati; Intan Ariyani
Setawar Abdimas Vol. 5 No. 1 (2026): Januari
Publisher : Universitas Muhammadiyah BengkuluUniversitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/sa.v5i1.9343

Abstract

Ketahanan pangan rumah tangga dapat ditingkatkan melalui inovasi budidaya tanaman dengan sistem hidroponik sederhana. Kegiatan ini dilaksanakan di Desa Sirnamanah dengan metode penyuluhan, diskusi, dan praktik langsung menggunakan aqua gelas bekas,rockwool, benih sayuran, serta galon berisi ikan lele. Hasil kegiatan menunjukkan antusiasme tinggi dari masyarakat, terutama ibu rumah tangga dan pemuda desa, yang mampu membuat instalasi hidroponik sederhana dengan baik. Penerapan sistem ini terbukti mudah dilakukan, bermanfaat bagi ketahanan pangan, serta berpotensi dikembangkan menjadi usaha kecil. Selain itu, kegiatan ini menunjukkan bahwa masyarakat mampu mengimplementasikan sistem hidroponik sederhana menggunakan bahan lokal seperti pipa paralon, botol bekas, dan nutrisi hidroponik AB Mix. Setelah tiga bulan pendampingan, tingkat keberhasilan pertumbuhan tanaman mencapai 90%, dan 75% peserta melanjutkan budidaya secara mandiri. Kegiatan ini berkontribusi terhadap peningkatan kesadaran masyarakat terhadap pentingnya pertanian urban, diversifikasi pangan, serta pemanfaatan teknologi pertanian sederhana di lingkungan rumah tangga.
MODEL PENDAMPINGAN TERINTEGRASI LITERASI KEUANGAN DAN INKUBASI KEWIRAUSAHAAN BERBASIS POTENSI LOKAL UNTUK MEMPERKUAT KETAHANAN EKONOMI MASYARAKAT DESA SIRNAMANAH Nur Izzati; Eko Wiji Pamungkas; Tasha Nurmeilita; Elisabect; Srie Hendraliany; Daniel Wisuda Purba
Setawar Abdimas Vol. 5 No. 2 (2026): Juli
Publisher : Universitas Muhammadiyah BengkuluUniversitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/sa.v5i2.10400

Abstract

Rendahnya literasi keuangan dan kapasitas kewirausahaan masyarakat menjadi salah satu faktor yang menghambat penguatan ketahanan ekonomi desa. Kondisi tersebut masih ditemukan pada sebagian pelaku usaha mikro di Desa Sirnamanah yang belum memiliki pembukuan usaha, masih mencampurkan keuangan usaha dan rumah tangga, serta belum memanfaatkan pemasaran digital secara optimal. Kegiatan Pengabdian kepada Masyarakat ini bertujuan meningkatkan literasi keuangan, kapasitas kewirausahaan, dan ketahanan ekonomi masyarakat melalui “Model Pendampingan Terintegrasi Literasi Keuangan dan Inkubasi Kewirausahaan Berbasis Potensi Lokal”. Program dilaksanakan menggunakan pendekatan Participatory Action Research (PAR) yang meliputi asesmen kebutuhan, pelatihan, inkubasi usaha, financial coaching, business mentoring, serta monitoring dan evaluasi. Kegiatan melibatkan 40 peserta, yang terdiri atas 25 pelaku UMKM, 10 ibu rumah tangga produktif, dan 5 pemuda calon wirausaha. Evaluasi dilakukan menggunakan desain pre-test dan post-test, observasi, wawancara, serta dokumentasi. Hasil kegiatan menunjukkan bahwa rata-rata skor literasi keuangan meningkat dari 54,3 menjadi 82,5 atau naik 28,2 poin (51,9%). Persentase peserta yang mampu menyusun pembukuan sederhana meningkat dari 27,5% menjadi 90,0%, peserta yang memisahkan keuangan usaha dan rumah tangga meningkat dari 25,0% menjadi 87,5 dan penggunaan media digital untuk pemasaran meningkat dari 30,0% menjadi 80,0%. Selain itu, omzet usaha peserta mengalami peningkatan rata-rata sekitar 20% selama masa pendampingan. Temuan ini menunjukkan bahwa model pendampingan terintegrasi lebih efektif dibandingkan pelatihan konvensional karena tidak hanya meningkatkan pengetahuan, tetapi juga mendorong perubahan perilaku pengelolaan usaha secara berkelanjutan. Model ini berpotensi direplikasi sebagai strategi pemberdayaan ekonomi masyarakat berbasis potensi lokal pada desa-desa dengan karakteristik serupa.
PENGARUH MODEL PROBLEM BASED LEARNING DENGAN PENDEKATAN DEEP LEARNING MENGGUNAKAN E-LKPD BERBASIS BUDAYA MELAYU TERHADAP KEMAMPUAN REPRESENTASI MATEMATIS SISWA Antika, Lara; Izzati, Nur; Hilda Syani Putri, Nurul
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.59754

Abstract

This study aims to determine whether there is an effect of the Problem-Based Learning model with the Deep Learning approach using E-LKPD based on Malay culture on students' mathematical representation abilities on rotation and dilation material in class XI of SMA Negeri 5 Tanjungpinang. This study is a quasi-experimental study with a pretest-posttest control group design. The study population was all class XI students of SMA Negeri 5 Tanjungpinang consisting of four classes, namely XI.1 to XI.4. The research sample was determined using a probability sampling technique with the cluster random sampling method, so that class XI.1 was obtained as the experimental class and class XI.4 as the control class. Data collection was carried out using a test instrument in the form of essay questions to measure students' mathematical representation abilities on rotation and dilation material. The results of hypothesis testing using the Independent Sample T-Test test show a Sig. (2-tailed) value of 0.045, after the value is divided by two, a significant value of 0.0225 is obtained, this value is smaller than the significance level used, namely 0.05. Therefore, H0 cannot be accepted, thus, it can be concluded that there is an influence of the Problem Based Learning model with the Deep Learning approach using E-LKPD based on Malay culture on students' mathematical representation abilities.
VIDEO INTERAKTIF PEMBELAJARAN MATEMATIKA DENGAN KONTEKS KEMARITIMAN SEBAGAI MEDIA PEMBELAJARAN MENDALAM UNTUK SISWA SMP KELAS VIII Geeraldin Claudya Sembiring, Octavina; Izzati, Nur; Fera, Mirta
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 No. 03, September 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.62823

Abstract

Mathematics learning in junior high schools continues to face challenges in implementing deep learning, particularly due to the limited availability of technology-based learning media that provide meaningful learning experiences. Although interactive learning videos have been widely developed, studies integrating maritime contexts with the principles of deep learning in mathematics instruction remain limited. This study aimed to develop an interactive mathematics learning video incorporating a maritime context as a deep learning medium for Grade VIII junior high school students. The study employed a Research and Development (R&D) approach adapted from the ADDIE model, consisting of the Analysis, Design, Development, Implementation, and Evaluation stages. The product was validated by media, material, and language experts and its practicality was evaluated by two mathematics teachers and 47 Grade VIII students. The results indicated that the developed learning video achieved a very valid category, with an overall validity score of 93.04%, comprising 92.08% for the media aspect, 92.59% for the material aspect, and 94.44% for the language aspect. The practicality test also showed that the product was very practical, with an overall practicality score of 93.16%, consisting of 98.89% from teachers' responses and 87.42% from students' responses. The novelty of this study lies in the integration of maritime contexts and deep learning principles into an interactive learning video developed using Powtoon and Edpuzzle, thereby supporting meaningful, engaging, and technology-enhanced mathematics learning. Research findings indicate that the developed instructional video is suitable for trial use in teaching the Pythagorean theorem to Grade 8 junior high school students. Further research is recommended to examine the effectiveness of the product in improving students' conceptual understanding and learning outcomes
Co-Authors Adilatu, Muhamad Antika, Lara Asep Yogi Permana Budhi Supriyadi Daniel Wisuda Purba DEDE SUHENDI Dede Yusuf Maulana Dewi Puspasari Dini Fitriani Dini Fitriani Dini Fitriani Eko Wiji Pamungkas Elisabect Elisabect, Elisabect Fauziah, Rieke Gia Firdaus, Fattah Geeraldin Claudya Sembiring, Octavina Hendraliany, Srie Hendraliany, Srie Hendraliany Hilda Syani Putri, Nurul Indri Putri Utami Intan Ariyani Intan Cahyati Irawati Kurniawati Putri, Ketty Kusmana, Oman Mirta Fera MS, Paojan Muhammad Yazid Nabila Nur Fatimah Naurid Muhammad Rifa’I Nugroho Budi Wirawan Nurhabibah, Alawiyah Nurmeilita, Tasha Puja Lestari, Putri Purwana, Edi Putri, Suci Nadiya Putri Ramadesa, Andes Roosmery Tambunan, Linda Saroni, Wahid Hasim Saroni Srie Hendraliany Sulistyanto, Tri Hadi Tasha Nurmeilita Widaningsih Widiya Avianti