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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) BAKI (Berkala Akuntansi dan Keuangan Indonesia) MPI (Media Pharmaceutica Indonesiana) Jurnal Ilmu Manajemen (JIMMU) Journal Of Management Science (JMAS) Jurnal Doktor Manajemen (JDM) International Journal of Economics, Business and Accounting Research (IJEBAR) Enrichment : Journal of Management Edutourism : Journal Of Tourism Reseach UTAMAX : Journal of Ultimate Research and Trends in Education Ijtimaiya : Journal of Social Science and Teaching Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Keluwih: Jurnal Sosial dan Humaniora Ilomata International Journal of Management Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Ekonomi Indonesia Prima Abdika: Jurnal Pengabdian Masyarakat Jurnal Ekonomi AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) ACE : Accounting Research Journal Gesture: Jurnal Seni Tari JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS AL-MASHALIH (Journal of Islamic Law) Indonesian Capital Market Review Jurnal Keuangan dan Perbankan Capacitarea : Jurnal Pengabdian Kepada Masyarakat JOURNAL OF HEALTH MANAGEMENT RESEARCH Journal Business Administration (JBA): Entrepreneurship and Creative Indutry Krisnadwipayana International Journal of Management Studies
Helma Malini, Helma
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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FINANCIAL RATIOS IMPACT ON SOE CONTAINER COMPANIES FINANCIAL DISTRESS Isfahan, Saif Raafi'in; Syahputri, Anggraini; Malini, Helma; Azazi, Anwar
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15559

Abstract

This study uses asset tangibility as a mediating variable to examine the impact of liquidity, firm size, and profitability ratios on financial distress in Indonesian state-owned Container companies. The study runs from 2019 to 2023. The study applies multiple linear regression analysis on 14 state-owned Container companies listed on the Indonesia Stock Exchange. The Altman Z-score model is used to assess financial distress, with independent variables including the current ratio (liquidity), natural log of total assets (firm size), return on assets (profitability), and net tangible assets (asset tangibility). The study looks into direct impacts, mediating linkages, and interaction effects between variables. The result stated that profitability has directly affected financial distress and asset tangibility hasn’t directly affected financial distress and hasn’t meditated independent variables toward financial distress. Lastly, there are interaction effects of a combination of independent and meditating variables toward the dependent variable. This study recommends that Indonesian state-owned on container sector companies focus on three key areas to prevent financial distress: implementing robust liquidity monitoring systems with early warning mechanisms and clear guidelines for cash management, developing comprehensive asset management policies including regular maintenance and assessment, and establishing specific targets and cost optimization strategies. These measures are essential for maintaining financial stability and preventing distress in these container sector.
Behaviour of Stock Returns During COVID-19 Pandemic: Evidence from Six Selected Stock Market in the World Malini, Helma
Jurnal Ikatan Sarjana Ekonomi Indonesia Vol 9 No 3 (2020): December
Publisher : Jurnal Ekonomi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52813/jei.v9i3.70

Abstract

This paper investigates the short term return behavior of six selected stock market around the world during the COVID-19 Pandemic. USA, Indonesia, India, South Korea, Saudi Arabia, and Singapore are selected based on the size of their stock market and the countries have taken a considerable amount of decision and policy to mitigate the risk of before, ongoing, and aftermath COVID-19 Pandemic. This study relies on two major time series investigation techniques, namely Econometric Modeling of returns; The Autoregressive model, Assumption of Linearity, Volatility Modeling, namely the GARCH and WBAVR Test. The results suggest that the stock return behavior in six selected countries occurs in different forms. Our findings suggest that the policymakers must understand how to shift their policy to mitigate the risk of COVID-19 in the financial sector, since we observe a strong correlation between the public health crisis and stock market performances.
Development of A Self Nanoemulsifying Drug Delivery System for Atenolol using Soybean Oil, Olive Oil and Virgin Coconut Oil Fitriani, Endang Wahyu; Malini, Helma; Rosita, Vestiana; Handika, Yella
MPI (Media Pharmaceutica Indonesiana) Vol. 7 No. 1 (2025): JUNE
Publisher : Fakultas Farmasi, Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/mpi.v7i1.7440

Abstract

Oral formulations remain the primary method of drug delivery, however, the solubility and lipophilicity of compounds such as atenolol present significant obstacles. Atenolol, a β1-selective antihypertensive agent, exhibits limited solubility in both aqueous and gastrointestinal environments. Atenolol is developed in a lipid-based delivery system, specifically the Self-Nanoemulsifying Drug Delivery System (SNEDDS), to enhance its bioavailability and resolve this issue. SNEDDS can improve drug solubility by generating spontaneous nanoemulsions in the gastrointestinal tract. This study aims to evaluate and improve the main components of SNEDDS, specifically oil, surfactant, and co-surfactant, according to the parameters of % transmittance, polydispersity index (PI), and zeta potential. The research findings suggest that the nine formulas have not yet achieved the optimal attributes concerning clarity and durability against dilution. Differences in oil types and amounts of surfactants and cosurfactants influence droplet size, polydispersity index, and zeta potential. Formulas 2 (soybean oil), 7, and 9 (olive oil) exhibit physicochemical parameters that meets the criteria and possess potential for further advancement. Submitted: 10-04-2025, Revised: 22-04-2025, Accepted: 07-05-2025, Published regularly: June 2025
Investigating the Impact of COVID-19 toward Depression Rate of Indonesian Senior High Schools Teachers Malini, Helma
Utamax : Journal of Ultimate Research and Trends in Education Vol. 3 No. 3 (2021): Utamax : Journal of Ultimate Research and Trends in Education
Publisher : LPPM Universitas Lancang Kuning. Pekanbaru. Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31849/utamax.v3i3.7071

Abstract

The COVID -19 pandemic, which has been ongoing for over a year, has become a burden to the world, causing anxiety and depression. The purpose of this study is to investigate the depression and stress levels of senior high school teachers in Indonesia during the COVID-19 outbreak since they have experienced substantial teaching situations change as a result of it. In particular, the changes in their professional, as well as personal lives, pose challenges during the pandemic. This quantitative study distributing questionnaires to 50 high school teachers in Indonesia. The findings indicate that social support is the most significant factor (0,46%) needed to prevent depression and stress among the teachers. Meanwhile, workload and role conflict cover 0,74% and 0,84% respectively of variables that teachers can change with the assumption that both variables exist even before a pandemic arises. This study also reveals that teachers continue to receive less attention and support, especially in terms of their stress and depression coverage. It is because the prevailing perception is that teachers should be the ones giving attention, not the ones receiving it. The study is that to withstand the Pandemic's uncertainty where high school teacher able to minimize and overcome their depressions.
The Causal Relationship Between Deposit Interest Rates, Foreign Exchange Rates and Stock Market Index Shariah Compliance in Indonesia Pre and Post Crisis 2008 Malini, Helma; Suwantono, Edwin
AL-MASHALIH (Journal of Islamic Law) Vol. 5 No. 02 (2024): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v5i02.30

Abstract

The main objectives of this study are to determine the interactions between deposit interest rates, foreign exchange rates and Shariah Compliance stock market index in Indonesia pre and post crisis 2008. The data period before the crisis is October 2000 until November 2008. The data period after the crisis is December 2008 until December 2015. Descriptive analysis method is performed by using analytical table and graphic. Quantitative analysis method is performed by making a regression equation econometric model with time series method to describe the presence or absence of the influence of the independent variable towards the dependant variable. The result showed that during the pre crisis 2008, unidirectional causality existed from Deposit Interest Rates towards Foreign Exchange Rates, Shariah Compliance stock market index towards Deposit Interest Rates, Deposit Interest Rates towards Shariah Compliance stock market index, and Shariah Compliance stock market index towards Foreign Exchange Rates. The result post crisis 2008 showed that unidirectional causality existed from Foreign Exchange Rates towards Deposit Interest Rates, Deposit Interest Rates towards Foreign Exchange Rates, and Shariah compliance stock market index towards Foreign Exchange Rates. It is found that the direction of causality between the three variables tends to demonstrate a hit-and-run behavior and changes according to the lag selection.
IMPACT OF FINANCIAL INNOVATION ON MANAGERIAL PERCEPTIONS ABOUT FINANCIAL PERFORMANCE: EVIDENCE FROM BANKING INDUSTRY Putri, Yuliani Alfiani Villye Adriani; Heriyadi, Heriyadi; Azazi, Anwar; Malini, Helma; Syahputri, Anggraini
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 8, No 1 (2025): JIMB - VOLUME 8 NOMOR 1 MEI 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v8i1.31798

Abstract

Penelitian ini menginvestigasi pengaruh inovasi keuangan terhadap Financial Performance dengan menganalisis perspektif manajer perbankan di Indonesia. Sektor perbankan diantisipasi untuk terus berinovasi untuk meningkatkan Financial Performance di era baru globalisasi dan teknologi. Penelitian ini menguji pengaruh modifikasi proses, produk, kelembagaan, dan keuangan terhadap kinerja manajer perbankan dengan menggunakan data primer sebagai instrumen pengukuran. Metodologi kuantitatif digunakan dalam penelitian ini. Di Indonesia, 137 manajer dan karyawan bank mengisi instrumen kuesioner untuk mendapatkan data primer. Untuk menguji korelasi antara variabel terikat (Financial Performance) dan variabel bebas (proses, produk, kelembagaan, dan inovasi keuangan), analisis statistik dan evaluasi model diimplementasikan dalam software Smart PLS. Hasil studi menunjukkan bahwa Process Innovation dan Institution Inovation secara substansial mempengaruhi Financial Performance, yang diukur dengan persepsi manajerial terhadap keberhasilan keuangan. Sebaliknya, Product Innovation tidak menunjukkan pengaruh yang signifikan. Green Finance menggunakan Financial Innovation yang memiliki dampak menguntungkan pada kinerja ekonomi. Menerapkan green finance bermanfaat bagi Financial Performance, menggarisbawahi pentingnya menggabungkan praktik-praktik keberlanjutan sebagai respons terhadap dinamika pasar saat ini. Sebagai kesimpulan, menurut temuan penelitian ini, bank-bank di Indonesia harus mencoba untuk mengoptimalkan kinerjanya dengan memperbaiki strategi inovasi perusahaan dalam proses dan kelembagaan dan menggabungkan keuangan berkelanjutan. 
Exploring The Impact of Mobile Banking Usage on Spending Habits: A Qualitative Study on Financial Overspending Malini, Helma
Jurnal Keuangan dan Perbankan Vol. 21 No. 2 (2025): Jurnal Keuangan Dan Perbankan, Volume 21 No. 2, Juni 2025
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v21i2.668

Abstract

This study examines the influence of mobile banking on spending habits, focusing on its role in facilitating overspending. Utilizing a qualitative approach with an exploratory case study design, data were collected through in-depth interviews, focus group discussions, and document analysis to explore the interplay between mobile banking features and behavioral tendencies. The findings reveal a dual impact of mobile banking on financial behavior. On the positive side, mobile banking enhances financial awareness and discipline by providing tools such as real-time transaction monitoring, automated savings mechanisms, and budgeting features, enabling users to make informed decisions and maintain better control over their finances. However, the convenience and immediacy of mobile banking also present challenges, particularly the ease of completing transactions, which can encourage impulsive spending and reduce traditional psychological barriers to overspending. These insights highlight the need for targeted strategies to maximize the benefits of mobile banking while mitigating its risks. The study emphasizes the importance of designing responsible financial technologies and educational initiatives to promote disciplined financial behavior. Further research is suggested to explore the long-term effects of mobile banking usage on financial habits, including saving patterns, debt management, and overall financial health, with the goal of fostering a more financially resilient society.
FINANCIAL LITERACY, DEMOGRAPHIC FACTORS, OVERCONFIDENCE, AND INVESTMENT DECISIONS AMONG UNIVERSITY STUDENTS IN INDONESIA'S MAJOR CITIES Malini, Helma
Berkala Akuntansi dan Keuangan Indonesia Vol. 10 No. 1 (2025): Berkala Akuntansi dan Keuangan Indonesia
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/baki.v10i1.66329

Abstract

This study aims to examine the influence of financial literacy, gender, age, income, ethnicity, and semester on overconfidence and investment decisions among university students in three major cities in Indonesia (Jakarta, Bandung, and Surabaya). It also investigates the role of overconfidence as a mediating variable in the relationship between these factors and investment decisions. This research uses a quantitative approach with an associative research design. The population includes all university students in Jakarta, Bandung, and Surabaya who have invested in stocks. A sample of 100 respondents was selected using purposive sampling, with criteria that respondents must be university students (from both public and private universities in these cities) who have not graduated, are listed stock investors in the Indonesia Stock Exchange, are at least 18 years old, and have been investing in the stock market for a minimum of one year. The results show that financial literacy, income, and semester positively influence overconfidence, while gender, age, and ethnicity do not. Financial literacy positively influences investment decisions, whereas gender, age, income, ethnicity, and semester do not. Overconfidence positively influences investment decisions. Financial literacy impacts investment decisions with overconfidence as a mediating variable, while gender, age, income, ethnicity, and semester do not have such an influence through overconfidence
The influence of financial technology and capital adequacy ratio (CAR) on the financial performance of bank Patricia, Vanessa; Daud, Ilzar; Malini, Helma; Wendy; Syahputri, Anggraini
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1695

Abstract

The primary objective of the inquiry is to examine the impact of capital adequacy ratios and financial technology on banks' financial performance. This study utilised Capital Adequacy Ratio and Financial Technology as measured by Mobile Banking as independent variables. In this study, Financial Performance as determined by Return On Assets is the dependent variable, and the mediator variable is bank operational efficiency. The methodology used is a quantitative approach employing multiple regression analysis techniques. This analysis uses data from PT Mandiri Bank from 2018 to 2022. This investigation utilises secondary data as its source of information. Secondary data was extracted from Mandiri Bank's annual financial statements. The impact of mobile banking and capital adequacy ratio on return on assets is negligible and positive, respectively. Meanwhile, the ratio of Operational Costs to Operational Income has no impact on Mobile Banking's effect on ROA. There is no discernible effect of adjusting variable operational costs against operational income on the correlation between the capital adequacy ratio and return on assets
Optimizing stock returns: exploring the effects of profitability, leverage, and dividend policy on inflatio moderation – in-depth study of LQ45 companies Kamesywara, Saskia Farrasdita; Malini, Helma; Pebrianti, Wenny; Mufrihah, Mazayatul; Mustarudin, Mustarudin
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1697

Abstract

Investors primarily rely on the stock’s return as the primary indicator to evaluate the profitability of their investment in a company and how the company's performance affects the value of their investment over time. Investors conduct fundamental analysis and look at macroeconomic factors to obtain high returns before investing in a particular company. The aim of this research is to investigate how profitability, dividend policy, and leverage influence stock returns, and to assess how inflation may moderate this relationship. This study's population consists of twenty corporations listed on the LQ45 stock market index in Indonesia between 2018 and 2022. Multiple linear regression analysis is utilized, with inflation as the moderating variable. The study also includes a literature review on agency theory and the importance of investors obtaining comprehensive information about potential returns and risks before investing in a company. The study's findings can provide valuable insights for investors in analyzing these factors before allocating their investments. They also guide for companies to improve their standards and send positive signals to investors
Co-Authors Ahmad Shalahuddin, Ahmad Aisah Aisah Aldora Sianturi, Yosia Alfanny, Nabila Alifia Ana Fitriana Anwar Azazi Apriani, Dwi Anggi Arifin Firdaus Arman Jaya Asli, Salsabila Hasya Asy Syifa, Alifiya Adhiya Barkah Barkah, Barkah Daud, Iizar Daud, Ilzar Dody Pratama Marumpe Endang Kristiawati, Endang Endang Wahyu Fitriani, Endang Wahyu Erna Listiana Fauzan, Rizky Giriati Giriati, Giriati Handika, Yella Harry Setiawan Heriyadi, Heriyadi Hermansyah, David Irfani, Muhammad Isfahan, Saif Raafi'in Jais, Mohammad Kamesywara, Saskia Farrasdita Karsim, Karsim Khairunnisa Khairunnisa Lestari, Nuraini Levina, Widya M. Irfani Hendri Maharani, Puspita Maria Christiana Iman Kalis, Maria Christiana Maria Magdalena Mazayatul Mufrihah B11212091 Mohamad Jais, Mohamad Muhammad Afif Mustarudin, Mustarudin Mustika, Uray Ndaru Nazhifa, Nisya Niswatun Hasanah Oprilyani, Adhinda Dwi Patricia, Vanessa Purmono, Bintoro Bagus Putri, Yuliani Alfiani Villye Adriani Ramadania Ramadania, Ramadania Riakbar, Bima Rivaldo, Rino Rosita, Vestiana Rustam Rustam S, Dewi Winarni. Sakliana, Annisa Dipa Seinna, Yufita Efie Siti Nurhaliza Sulistiowati Sulistiowati Suwantono, Edwin Syahbandi Syahputri, Anggraini Theliya, Theliya Tri Wiyono Kurnianto Triani, Sandrina Marsha Vemas, Vinsensius Wendy Wendy Wenny Pebrianti wijaya, dwi nova Yulia, Putri Meyke Yulianingsih, Tanti Yulianty Yulianty Yuspita, Agata Zhafirah, Nony Ulya’ Sari