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All Journal Abdimas Galuh : Jurnal Pengabdian Kepada Masyarakat International Journal of Economics, Management, Business, and Social Science Jurnal Lentera Pengabdian Jurnal Accounting Information System (AIMS) In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Commercium: Journal of Business and Management
Ningrum, Retno Widya
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Maraknya Pinjaman Online Ditengah Rendahnya Literasi Keuangan (Studi pada Desa Tunggilis – Kabupaten Pangandaran) Pramayuda, Agung; Musadat , Irfan Achmad; Ningrum, Retno Widya; Ningrum, Mugi Puspita
Lentera Pengabdian Vol. 2 No. 04 (2024): Oktober
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v2i04.539

Abstract

Pinjaman online sering kali disediakan oleh platform atau perusahaan fintech (financial technology) yang menggunakan teknologi digital untuk menyederhanakan dan mempercepat proses pengajuan pinjaman. Proses pengajuan pinjaman online umumnya lebih cepat dan mudah dibandingkan dengan pinjaman tradisional yang memerlukan kunjungan langsung ke kantor bank atau lembaga keuangan. Maraknya pinjaman onlile mulai memasuki Desa Tunggilis dan mulai banyak masyarakat yang terjerat pinjaman online, dimana masyarkat masih sangat minim pengetahuan tentang pinjaman online. Kondisi ini dikhawatirkan akan terus memburuk apabila tidak ada langkah konkret untuk menanggulangi hal tersebut. Metode dalam penelitian ini menggunakan metodologi PAR ( Participatory Action Research ) memiliki tujuan untuk menghasilkan pengetahuan baru dalam rangka pemecahan masalah atau perbaikan terhadap pemecahan masalah dalam kehidupan praktis. Hasil dari kegiatan PKM ini masyarakat dapat mengetahui ciri-ciri perusahaan financial technology (fintect) yang legal dan illegal, sehingga masyarakat dapat memilih perusahaan fintech yang legal dan terdaftar di OJK untuk menggunakannya jika diperlukan.
Analisis Beta Saham sebagai Keputusan Investasi pada PT Adaro Energy Indonesia Tbk dan PT Bayan Resources Tbk Periode Tahun 2013 – 2022 Ningrum, Retno Widya; Putra, Angga Mahardika
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 22 No 2 (2023): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v22i2.781

Abstract

Pada tahun 2022 realisasi produksi batu bara di Indonesia sebesar 103 persen dari target atau sebesar 687 juta ton dari 663 juta ton menjadi yang berasal dari permintaan domestik dan ekspor. Terdapat 2 saham industri batu baru yang masuk ke dalam 10 saham dengan kapitalisasi terbesar yaitu PT Bayan Resources Tbk (BYAN) dan PT Adaro Energy Indonesia Tbk (ADRO) dengan kapitalisasi pasar masing-masing sebesar Rp 700 triliun dan Rp 123 triliun. Kapitalisasi pasar yang besar biasanya menjadi salah satu hal menarik bagi investor. Investasi saham bertujuan untuk memperoleh imbal hasil, sedangkan imbal hasil searah dengan risiko. Salah satu cara mengukur risiko yaitu dengan menghitung nilai beta saham tersebut yang bertujuan untuk melihat sensitivitas imbal hasil saham terhadap imbal hasil pasar (IHSG) sehingga investor dapat mengetahui saham mana yang baik sebagai alternatif investasi. Metode penelitian yang digunakan dalam penelitian ini yaitu metode deskriptif dengan pendekatan kuantitatif yang dilakukan dengan perhitungan beta menggunakan Microsoft Excel dan menganalisis hasil tersebut serta menyimpulkan. Kesimpulan dari penelitian ini adalah imbal hasil ADRO dan BYAN memiliki tren positif khususnya 2 tahun terakhir. Namun jika dilihat dari hasil perhitungan beta ADRO cenderung bergerakan lebih stabil dibandingkan dengan BYAN. Adapun keputusan investasi yang dapat diambil oleh investor yaitu lebih baik membeli ADRO. Namun, hal ini juga tidak mutlak bagi investor karena setiap investor memiliki profil risiko yang berbeda.
Pengaruh Perputaran Kas dan Perputaran Piutang Terhadap Return On Assets Pada Perusahaan Sub Sektor Perhotelan yang Terdaftar di Bursa Efek Indonesia (Bei) Tahun 2016-2022 Anindita, Intan Putri Puspa; Kusumawardhani, Aninditha Putri; Ningrum, Retno Widya; Putra, Okta Eka
In Search (Informatic, Science, Entrepreneur, Applied Art, Research, Humanism) Vol 23 No 1 (2024): In Search
Publisher : LPPM UNIBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37278/insearch.v23i1.910

Abstract

This study aims to determine the description and magnitude of the influence of the Effect of Cash Turnover and Receivables Turnover on Return On Assets in Hospitality Sub-Sector Companies Listed on the Indonesia Stock Exchange (IDX) 2016-2022. The research method used is quantitative and descriptive research methods. The population in this study were 203 financial statements from 29 hospitality sub-sector companies listed on the Indonesia Stock Exchange (IDX) in 2016-2022. The sampling technique used in this study is a non-probability sampling technique with a purposive sampling approach. Sample count of 70 Financial Statements from 10 Hospitality Sub-Sector Companies Listed on the Indonesia Stock Exchange (IDX) 2016-2022. Based on the research results, the determination test of the Cash Turnover variable has no effect of 0.7% on Return On Assets and the Receivables Turnover variable has an effect of 22.3% on Return On Assets. Simultaneously, the Cash Turnover and Receivables Turnover variables have an influence of 20.2% on Return On Assets. Partial research results using the t test, the Cash Turnover variable has no effect on Return On Assets with a significance value of 0.365 > 0.05 and tcount 0.915 < ttable 1.996. The Receivables Turnover variable affects Return On Assets with a significance value of 0.001 <0.05 and tcount 3.571 > ttable 1.996. The results of the study simultaneously using the F test, the Cash Turnover and Receivables Turnover variables affect Return On Assets with a significance value of 0.003 < 0.05 and Fcount 6.561 > Ftable 3.134.
Analysis of Profitability in Mining Companies Affiliated with MIND ID in 2020 - 2023 Ningrum, Retno Widya; Pramayuda, Agung; Musadat, Irfan Achmad
Commercium : Journal of Business and Management Vol. 3 No. 2 (2025): May 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/commercium.v3i2.409

Abstract

MIND ID (Mining Industry Indonesia) is a holding company that aims to manage and oversee State-Owned Enterprises (SOEs) mining companies. This holding is expected to play a role in managing the nation's strategic assets and enhancing value through synergy and efficiency among the mining companies under MIND ID. Three of these companies, namely PT Aneka Tambang Tbk, PT Bukit Asam Tbk, and PT Timah Tbk, have listed their shares on the Indonesia Stock Exchange, with the stock codes ANTM, PTBA, and TINS, respectively. As an investor, it is crucial to monitor the performance of companies in which one is considering investment or has already invested, particularly from the financial perspective, especially profitability. Based on profitability analysis using Gross Profit Margin (GPM), Net Profit Margin (NPM), Return on Assets (ROA), and Return on Equity (ROE), PTBA stands out as the top-performing company, with an overall rating of "very good."
Analsisis Dividend Payout Ratio Bank BUMN Indonesia Tahun 2013-2023 Musadat, Irfan Achmad; Pramayuda, Agung; Ningrum, Retno Widya
Jurnal Accounting Information System (AIMS) Vol. 8 No. 1 (2025)
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/aims.v8i1.1163

Abstract

Following the 1997-1998 crisis, the government implemented banking reforms through the 1998 Banking Law and the establishment of the Indonesia Deposit Insurance Corporation (LPS) to enhance public trust in the financial system. One of the key aspects of banking policy is the dividend policy, as reflected in the Dividend Payout Ratio (DPR). This policy influences investor decisions as well as the financial stability of companies. Dividend stability is considered more attractive than a high DPR, as it indicates a stable company outlook with lower risk. Additionally, dividend policy serves as a signal to creditors regarding a company's ability to meet its financial obligations.This study aims to analyze the relationship between the  Dividend Payout Ratio and the financial performance of banks in Indonesia. The research employs a descriptive quantitative method using secondary data from the financial reports of banks listed on the Indonesia Stock Exchange (IDX). The findings of this study to provide insights into the impact of dividend policy on bank financial performance and its implications for the stability of the financial services sector in Indonesia.
The Effect of Exchange Rate and Tunneling Incentive on Transfer Pricing Decisions in The Property & Real Estate Sub-Sector on The IDX Period 2016-2023 Azkia, Zahra Nurul; Pramayuda, Agung; Kusumawardhani, Aninditha Putri; Ningrum, Retno Widya
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 5 No. 3 (2025): September 2025
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v5i3.467

Abstract

This study aims to find out the overview and influence of Exchange Rate and Tunneling Incentive on Tunneling Incentives. The object of this research is the Property & Real Estate sub-sector on the Indonesia Stock Exchange for the 2016-2023 period. The method used is a quantitative method with a descriptive and verifiable approach. The population in this study is 744 financial statements and annual reports from 93 companies in the Property & Real Estate sub-sector on the Indonesia Stock Exchange in the period 2016-2023, with a purposive sampling technique, so that the sample in this study amounted to 32 financial statements from 4 companies during the 2016-2023 period. The results of this study show that there is no influence on Transfer Pricing with a partial Exchange Rate of 0.2% and Tunneling Incentive has a partial on Transfer Pricing with an effect of 12.3%. Simultaneously, the results were obtained that the Exchange Rate and Tunneling Incentive had no effect on Transfer Pricing in Property & Real Estate Sub-Sector Companies on the Indonesia Stock Exchange for the 2016-2023 Period with an influence of 8.1%.
Mengenal Instrumen Investasi Bagi Para Pelaku Umkm Binaan Rumah BUMN Yogyakarta Pramayuda, Agung; Musadat, Irfan Achmad; Ningrum, Retno Widya
Abdimas Galuh Vol 7, No 2 (2025): September 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v7i2.21025

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a crucial pillar in Indonesia’s economy. MSMEs not only drive local economic growth but also serve as a source of innovation and national economic resilience. Amid increasingly complex economic dynamics and intense business competition, MSMEs are required to adapt and develop effective financial management strategies to survive and grow. One important aspect of financial management for MSME owners is understanding investment instruments. Investment is a way to increase asset value and strengthen business capital. However, many MSME owners are still unfamiliar with the various investment instruments available, along with the benefits and risks associated with them. This lack of knowledge can hinder MSMEs’ ability to optimize their financial resources for long-term business development. in implementing this activity, the team followed several stages: the Lecture Method, where speakers were given time to present material on online loan management, and the Q&A Method, which was used after the lecture to give participants the opportunity to further explore the material presented. One of the challenges faced by MSMEs in Rumah BUMN Yogyakarta is the lack of financial literacy. This results in suboptimal management of business funds and the inability to make sound financial decisions. The community service activities carried out by Rumah BUMN Yogyakarta, with support from the Indonesia Stock Exchange (IDX) Yogyakarta Representative Office, have had a significant impact on improving MSMEs’ understanding of investment instruments and financial management.
Co-Authors Agung Pramayuda Anindita, Intan Putri Puspa Azkia, Zahra Nurul Irfan Achmad Musadat Kusumawardhani, Aninditha Putri Mugi Puspita Putra, Angga Mahardika Putra, Okta Eka