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All Journal Jurnal Ilmiah Edunomika (JIE) Ascarya: Journal of Islamic Science, Culture and Social Studies
Yuyun Ristianawati
Sekolah Tinggi Ilmu Ekonomi Totalwin Semarang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH PROFITABILITAS DAN LIKUIDITAS TERHADAP KEBIJAKAN DEVIDEN DENGAN UKURAN PERUSAHAAN SEBAGAI VARIABEL MODERATING Tyasa Putri Paramastri; Yuyun Ristianawati
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14046

Abstract

The purpose of this study is to determine the effect of Profitability and Liquidity on Dividend Policy with Company Size as a moderating variable in Companies listed on the Indonesian Stock Exchange which are listed in LQ45 in 2018-2022. To test this, researchers used quantitative descriptive methods with secondary data collection techniques in the form of annual financial reports. The data analysis techniques used are multiple linear regression and moderated regression analysis. The results of this research show that Profitability has a significant positive effect on Dividend Policy, Liquidity has an insignificant negative effect on Dividend Policy, Company Size is able to moderate the influence of Profitability on Dividend Policy, Company Size is able to moderate the influence of Liquidity on Dividend Policy.
PERILAKU PENGELOLAAN KEUANGAN: PENDAPATAN, SIKAP KEUANGAN, LITERASI KEUANGAN, DAN LOCUS OF CONTROL SEBAGAI VARIABEL INTERVENING Desi Ariyani Romadoni; Yuyun Ristianawati
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14045

Abstract

The purpose of this research is to determine the influence of income, financial attitudes and financial literacy on financial management behavior through locus of control as an intervening variable in Semarang Regency MSMEs. The research method used is quantitative research. The sampling technique used was purposive sampling of 100 MSME respondents in the Semarang Regency area. The data used in this research is primary data by distributing questionnaires to MSMEs. The questionnaire consists of the respondent's identity as well as statements related to financial management behavior. Data were analyzed using SPSS version 25 software by testing validity, reliability, classical assumptions, multiple regression, coefficient of determination, and Sobel test. The results of this research show that income and financial literacy have a positive and significant effect on locus of control in MSMEs; financial attitude does not have a positive and significant effect on locus of control in MSMEs; there is a positive and significant influence between income, financial literacy, and locus of control on financial management behavior in MSMEs; and there is no positive and significant influence of financial attitudes on financial management behavior in MSMEs; income and financial attitudes mediated by locus of control have no effect on financial management behavior; Financial literacy mediated by locus of control influences financial management behavior.
Islamic Social Business: The Role of al-Qardul Hasan in Empowering Vulnerable Micro-Enterprises through Bankziska Adi Santoso; Yuyun Ristianawati; Sri Hartono; Fanji Farman; Ina Nusuki
Ascarya: Journal of Islamic Science, Culture, and Social Studies Vol. 5 No. 2 (2025)
Publisher : Perkumpulan Alumni dan Santri Mahyajatul Qurro'

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53754/19sqjj52

Abstract

This study examines the development and implementation of Islamic financial institutions based on Al-Qardul Hasan, specifically through the Bankziska model, in the context of empowering micro, small, and medium enterprises (MSMEs). The phenomenon underlying this research is the high dependence of MSMEs on loan sharks who provide high-interest loans, especially in traditional markets, rural areas, and poor urban areas. In addition, the difficulty of accessing finance from conventional and Islamic banks further exacerbates the economic conditions of MSMEs. The Bankziska concept offers an alternative solution by providing loans without interest, without administrative fees, without fines, and collateral. Bankziska utilizes zakat, infaq, shodaqoh, and other social and religious funds to support MSMEs. The main objective of this concept is to realize a prosperous and just society (Baldatun thayyibatun wa rabbun ghafur). The research method used is qualitative with a case study approach. The research results indicate that the Bankziska concept can serve as an alternative model for empowering MSMEs based on Sharia principles, reducing dependence on loan sharks, and increasing financial access for MSMEs. Implications of this research include the development of a more inclusive and sustainable Sharia financial business model.
Co-Authors Adi Santoso Desi Ariyani Romadoni Fanji Farman Ina Nusuki Sri Hartono Tyasa Putri Paramastri