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Pengaruh Pendapatan, Pekerjaan, dan Pendidikan Terhadap Keputusan Masyarakat Melakukan Pinjaman Online Abdillah Arif Nasution; Haris Karyadi; Andreas Recki Prasetyo; Afni Yeni; Eva Yuniarti Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i8.4620

Abstract

The development of technology from time to time is growing rapidly, one of which is in the financial sector. This development is marked by the emergence of financial technology in the era of modernization. Online loans are a form of financial technology service which is a money lending service to make it easier for people to borrow money without any hassle like in conventional banks. This study uses a quantitative research type. This study aims to determine the effect of income, employment, and education on people's decisions to make online loans. The population of this study is people who have used online loans. The results of this study found that income, employment and education influence people's decisions to make online loans.
PENGARUH KECERDASAN EMOSIONAL DAN STRES KERJA TERHADAP PERILAKU KERJA : (Studi Kasus Perangkat Nagari Ix Koto Sungai Lasi) Ikbal Maulana; Ida Nirwana; Afni Yeni
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 3 No. 1 (2023): Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1116.747 KB) | DOI: 10.56910/gemilang.v3i1.299

Abstract

Penelitian ini dilakukan di Kantor Wali Nagari IX Kot Sungai Lasi. Tujuan penelitian ini untuk mengetahui Pengaruh Kecerdasan Emosi dan Stres Kerja Terhadap Perilaku Kerja Karyawan. Metode penelitian yang dilakukan adalah metode total sampling yaitu seluruh populasi menjadi sampe penelitian. Jumlah populasi sebanyak 40 responden, metode pengumpulan data menggunakan kuesioner. Hasil uji koefisien regresi linear berganda dapat persamaan Y = 6,724 + 0,765X1 + 0,005X2, maka dapat dikatakan bahwa variabel independen yaitu Kecerdasan Emosi dan Stres Kerja secara bersama-sama memiliki keterkaitan positif terhadap Perilaku Kerja Karyawan. Hasil koefisien determinasi (R2) diperoleh nilai 0,483 bahwa kontribusi antara variabel Kecerdasan Emosi dan Stres Kerja sebesar 0,483 atau 48,3% dan dipengaruhi oleh variabel lain (100-0,483) adalah sebesar 51,7%. Hasil thitung Kecerdasan Emosi 5,861 > 2.024 berpengaruh dan signifikan terhadap Perilaku Kerja Karyawan (Y). Hasil thitung Stres Kerja (X2) < 0,062 < 2.024 tidak berpengaruh dan tidak signifikan terhadap Perilaku Kerja Karyawan (Y) dan Hasil uji f sebesar 17.299 > ftabel 3.24 dengan tingkat signifikansinya sebesar 0,000 < 0,05. Nilai fhitung besar dari nilai ftabel dan nilai signifikan lebih kecil dari 0,05 menunjukkan bahwa Kecerdasan Emosi (X1) dan Stres Kerja (X2) secara simultan atau bersama-sama berpengaruh dan signifikan terhadap Perilaku Kerja Karyawan (Y).
Pengembangan Desa Wisata Berbasis Kearifan Lokal dan Ekonomi Kreatif: Pengabdian M Alit Suryawan; Adi Artino; Abdul Rosid; Ramadhani Kirana Putra; Afni Yeni
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.3810

Abstract

This study aims to determine efforts to develop tourism villages based on local wisdom and the creative economy. The implementation of activities is carried out through several stages, including preparation, data collection, program planning, activity implementation and mentoring, development and implementation, monitoring and evaluation, and dissemination of results and program sustainability. The results of this activity indicate that the program for developing tourism villages based on local wisdom and the creative economy has succeeded in increasing community capacity, strengthening institutions, and fostering village economic growth. Through training and mentoring, communities gain skills in tourism destination management, digital promotion, and creative economic production based on local potential. The formation of Pokdarwis and creative economy groups creates synergy in developing independent, inclusive, and competitive tourism. In addition to producing various tourism products based on local culture and crafts, this program also fosters a sense of togetherness, awareness of environmental conservation, and pride in cultural identity. The economic impact is seen in increased income, the creation of new jobs, and the growth of a sustainable local economy.
Penguatan Ekonomi Keluarga Melalui Literasi Keuangan di Nagari Peninggahan Kabupaten Solok Seflidiana Roza; Ida Nirwana; Rasidah Nasrah; Afni Yeni; Ramadhani Kirana Putra; Nurhayati; Esi Sriyanti; Siska Yulia Defitri
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.5381

Abstract

Kondisi ekonomi keluarga di wilayah pedesaan dengan dominasi pekerjaan sektor informal cenderung tidak stabil sehingga memerlukan kemampuan pengelolaan keuangan rumah tangga yang memadai. Namun, literasi keuangan ibu rumah tangga sebagai pengelola utama keuangan keluarga masih tergolong rendah. Kegiatan Pengabdian kepada Masyarakat ini bertujuan meningkatkan literasi keuangan guna memperkuat ketahanan ekonomi keluarga pada ibu-ibu kader dan pemuda di Kenagarian Paninggahan, Kabupaten Solok. Metode yang digunakan berupa penyuluhan dan edukasi partisipatif melalui pemaparan materi, diskusi, dan studi kasus pengelolaan keuangan keluarga. Hasil identifikasi awal menunjukkan peserta belum memiliki pencatatan keuangan, pola pengeluaran masih konsumtif, serta belum melakukan perencanaan keuangan jangka menengah dan panjang. Kegiatan ini meningkatkan pemahaman peserta mengenai pencatatan keuangan sederhana, penyusunan anggaran berbasis prioritas, dan pentingnya menabung. Ibu-ibu kader juga mulai berperan sebagai agen perubahan dalam menyebarkan pengetahuan keuangan. Program ini mendorong perubahan pola pikir dan perilaku finansial yang mendukung ketahanan ekonomi keluarga secara berkelanjutan.
Pengaruh Capital Structure dan Net Profit Margin Terhadap Nilai Perusahaan Pada Perusahaan Sektor Transportasi dan Logistik Yang Terdaftar di Bursa Efek Indonesia Periode 2018-2021 Revika Oktavia; Wahyu Indah Mursalini; Afni Yeni
Jurnal Riset dan Inovasi Manajemen Vol. 1 No. 2 (2023): Mei: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v1i2.351

Abstract

This study aims to analyze the effect of capital structure and net profit margin on company value in transportation and logistics sub-sector companies with a sample of 21 companies listed on the Indonesian stock exchange using the purposive sampling method and based on the 2018-2021 sampling criteria. Based on the results of statistical analysis, it can be concluded that capital structure has a significant effect on the firm value of the transportation and logistics sector studied. this is proven by using the t test with a significant value of 0.003 > 0.05 and tcount 3.040 > ttable 1.989. so it can be concluded that capital structure has a significant effect on value based on statistical analysis it can be concluded that the net profit margin has no effect on the value of the companies in the transportation and logistics sector being studied. this is proven by using the t test with a significant value of 0.205 > 0.10 and tcount 1.277 < ttable 1.989. conclude that net profit margin has no effect on company value. it can be concluded that capital structure and net profit margin have a significant effect on company value in transportation and logistics sector companies listed on the Indonesia Stock Exchange in 2018-2021, with Fcount is 5.272 > Ftable 3, 11 significant value of 0.007 is smaller than the targeted significant level of 0.05. R Square of 0.115. This means that there is a contribution of 11.5% from the independent variables, namely capital structure (X1) and net profit margin (X2) to firm value (Y). While the remaining 88.5% is contributed or influenced by other variables.
Pengaruh Efektivitas Kerja dan Pendapatan terhadap Tingkat Kesejahteraan Kelompok Wanita Tani (KWT) Kecamatan X Koto Singkarak Ghina Jannatul Hamidah; Afni Yeni; Esi Sriyanti
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 6 No. 2 (2026): MEI: CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v6i2.8981

Abstract

This quantitative study, involving 135 respondents, aims to analyze the influence of work efficiency and income on the welfare level of members of the Women Farmer Group (KWT) in X Koto Singkarak Sub-district. Data were collected through structured questionnaires and analyzed using multiple linear regression, t-tests, and F-tests to determine both partial and simultaneous effects of the independent variables on welfare. The results of the t-test reveal that work efficiency (X1) does not have a significant partial effect on the welfare of KWT members (Y), as indicated by a t-value of -1.817, which is lower than the t-table value of 1.977, and a significance level of 0.071, which exceeds 0.05. Conversely, income (X2) demonstrates a strong and significant partial effect on welfare, supported by a significance value of 0.000, which is lower than 0.05, and a t-value of 13.561, which is higher than the t-table value of 1.977. Furthermore, the simultaneous F-test confirms that work efficiency and income collectively have a significant effect on the welfare level of KWT members, with an F-value of 98.319 exceeding the F-table value of 19.490 and a significance level of 0.000. These findings indicate that increasing income plays an important role in improving welfare.