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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Penelitian Ekonomi Akuntansi (JENSI) juremi: jurnal riset ekonomi CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Gemilang: Jurnal Manajemen dan Akuntansi Jurnal Mutiara Ilmu Akuntansi Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen KENDALI: Economics and Social Humanities Jurnal Penelitian Ekonomi Manajemen dan Bisnis Jurnal Riset Akuntansi Jurnal Ilmiah Dan Karya Mahasiswa International Journal of Management Research and Economics Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Ilmiah Ekonomi dan Manajemen Akuntansi: Jurnal Riset Ilmu Akuntansi FINANCE : International Journal Of Management Finance International Journal of Economics and Management Research
Maria Yovita R.Pandin
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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PENGARUH DIGITAL EKONOMI TERHADAP KETAHANAN EKONOMI MELALUI SEKTOR E-COMMERCE DI PULAU JAWA Zaschia Flanivolya Matulessy; Sukma Asri; Marcella Aullia J; Maria Yovita R.Pandin
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 17 No 2 (2024): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v17i2.1965

Abstract

Penelitian dilaksanakan untuk mengetahui ada pengaruh atau tidak dari ekonomi digital, terutama dalam sektor e-commerce terhadap ketahanan ekonomi di pulau Jawa dengan melihat dari tingkat pengangguran dan GDP yang ada di provinsi pada pulau Jawa. Pendekatan yang digunakan penelitian ini adalah metode kuantitatif dengan pengambilan data dari BPS dan OJK dengan penggunaan data time-series dari tahun 2020 hingga 2022. Data yang diperoleh kemudian akan diuji melalui SPSS dengan menggunakan uji asumsi klasik dan uji hipotesis. Penelitian ini menyimpulkan bahwa variabel ekonomi digital (e-commerce) memiliki kontribusi yang minim terhadap variabilitas ketahanan ekonomi khususnya pengangguran dan GDP di Indonesia. Hal ini memperlihatkan bahwa faktor lain di luar e-commerce mungkin memiliki pengaruh yang lebih besar terhadap ketahanan ekonomi Indonesia.
METODE BALANCED SCORECARD (BSC) SEBAGAI ALAT PENGUKURAN KINERJA PERUSAHAAN PADA PT UNILEVER INDONESIA TBK Novelia Ananda; Maria Yovita R.Pandin
Jurnal Mutiara Ilmu Akuntansi Vol. 1 No. 2 (2023): April : Jurnal Mutiara Ilmu Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumia.v1i2.1026

Abstract

The Balanced Scorecard is part of the strategy-based success measurement concept. The balanced scorecard is a management tool used in measuring company performance with four perspectives, namely a financial perspective, a customer perspective, an internal business process perspective, and a growth and learning perspective. The article aims to see how PT Unilever Indonesia Tbk's performance is measured using the balanced scorecard method. This article is qualitative in nature and the data used is secondary data in the form of PT Unilever Indonesia's financial statements for the period 2018 - 2021. The results of this article can be concluded that the company's performance in the period 2018 - 2021 when compared to 2019 and 2020 got quite good results compared to with 2021 which got less good results. So it can be said that performance measurement can use the balanced scorecard as a tool to measure company performance as a whole.
Potensi Blue Economy Pada Sektor Perikanan Dalam Meningkatkan Pendapatan UMKM : Studi Kasus Tambak Mulia Samudra Sidoarjo Reginata Saharany Kustanti; Josephine Elliska Dinata; Anisa Lailatul Nikmah; Maria Yovita R.Pandin
Akuntansi Vol. 3 No. 2 (2024): Juni: Jurnal Riset Ilmu Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v3i2.1991

Abstract

The potential of marine resources in the fisheries sector has become a general illustration in developing the blue economy to encourage economic growth in Indonesia. The aim of the research is to determine the potential for a blue economy through fisheries sector businesses in fish farms that cultivate seaweed and milkfish. This research was carried out in Tambak Mulia Samudra, Sidoarjo Regency, East Java. This research uses primary and secondary data which is analyzed using a descriptive-qualitative approach. The research results show that there is waste processing and two environmentally friendly pond cultivation management systems in the marine ecosystem. The implementation of seaweed cultivation has also regulated the water area based on the carrying capacity of the water, so that it can produce optimal seaweed production, display cultivation components by protecting the water area and increasing economic welfare by opening employment opportunities for coastal communities.
Peran Pendidikan Keuangan, Tekanan Ekonomi, dan Dukungan Keluarga Dalam Meningkatkan Ketahanan Keuangan Mahasiswa Nevanda Julya Rizki; Amelia Wardatus Rizki; Hasna Khalisha Putri; Fauziyah Fadhilah; Maria Yovita R.Pandin
KENDALI: Economics and Social Humanities Vol. 3 No. 3 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v3i3.691

Abstract

Pengelolaan keuangan seringkali menjadi masalah utama bagi mahasiswa. Perilaku yang konsumtif menyebabkan mahasiswa kesulitan dalam mengatur keuangannya. Dengan demikian tentunya pendidikan keuangan sangat berperan penting dalam hal tersebut. Peran pendidikan keuangan memberikan banyak informasi terkait tata kelola keuangan mulai dari hal terkecil sekalipun. Adanya pendidikan keuangan akan membantu mahasiswa dalam menghadapi tekanan ekonomi yang terjadi akibat perilaku yang konsumtif. Selain itu, tentunya dukungan keluarga sangat berperan penting dalam pengelolaan keuangan mahasiswa karena orang tua dapat memberikan arahan dan sarannya. Dengan demikian mahasiswa dapat meningkatkan ketahanan keuangannya dan tidak menggunakan keuangannya secara berlebihan. Penelitian ini menggunakan metode deskriptif kualitatif dengan menelaah artikel serta jurnal yang telah ada. Responden pada penelitian ini, yakni mahasiswa yang sedang kesulitan dalam pengelolaan keuangannya sehingga tidak dapat mengatasi masalah tekanan ekonomi yang terjadi. Berdasarkan informasi-informasi yang telah kami telaah, pendidikan keuangan serta dukungan keluarga menjadi dorongan utama pada mahasiswa yang tengah menghadapi tekanan ekonomi, sehingga dengan demikian mahasiswa dapat meningkatkan ketahanan keuangannya di masa yang akan datang.
Analisis Hubungan Antara Struktur Suku Bunga, Risiko Kredit, dan Stabilitas Finansial Maria Yovita R.Pandin; Nesa Mia Kassandra; Lufvi Selvia Febriati; Elfalina Magymai; Tanya Tata Putri Srikandi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.27083

Abstract

This study aims to analyze the relationship between interest rate structure, credit risk, and financial stability in the context of a dynamic financial system. Interest rate is one of the important instruments in monetary policy that affects investment, consumption, and financing decisions in financial markets. The approach applied in this study is a quantitative approach. This method is used to analyze the relationship and impact between research variables in a way that can be measured through numerical data processing and statistical analysis. The analysis shows that there is a significant relationship between interest rates, credit risk, and financial stability, with complex interactions between these factors. Therefore, prudent monetary policy and good credit risk management are necessary to maintain financial stability. This research makes an important contribution to understanding the dynamics of systemic risk in the financial system and can be the basis for developing more effective policies to manage risk and support stable economic growth.
Dampak Struktur Pendanaan, Periode Pengembalian dan Tingkat Inflasi terhadap Proyeksi Arus Kas Proyek Trenda Indri Ardianti; Nanik Dwi Siswati; Berliana Indah Kusumaningrum; Putu Rena Suci Novalita; Maria Yovita R.Pandin
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 5 No. 2 (2025): : Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/gemilang.v5i2.2649

Abstract

This study aims to examine the influence of capital structure, payback period, and inflation rate on project cash flow projections in cosmetic manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2022 period. A quantitative approach was employed using multiple linear regression analysis. The data were obtained from audited annual financial reports, serving as secondary data sources. The findings reveal that, simultaneously, the three independent variables significantly affect project cash flow projections. However, when assessed individually, only capital structure demonstrates a statistically significant impact, while payback period and inflation rate do not show meaningful influence. These results highlight the importance of optimizing capital structure to maintain cash flow stability, and suggest that investment evaluations should incorporate broader financial indicators to account for macroeconomic dynamics.
Navigate The Ins And Outs Of Investing Through Tips And Strategies For Financial Success In LQ45 Stock Selection Dyah Ayu Pramesti; Fiqri Najmuddien; Nurfadilah Nurfadilah; Maria Yovita R.Pandin
International Journal of Management Research and Economics Vol. 2 No. 1 (2024): February : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v2i1.1269

Abstract

This article explains the various important aspects of navigating stock investing to achieve financial success. In this article, we will discuss tips and strategies that can help investors make smart decisions in choosing LQ45 stocks. LQ45 is a stock price index of the 45 largest and most liquid companies on the Indonesia Stock Exchange (IDX). We present a practical guide to understanding the characteristics of LQ45 stocks, Readers will gain valuable insights to understand the intricacies of stock investing and achieve their financial goals. Emphasis is placed on investment strategies that have the potential to provide profitable returns. By understanding these tips and strategies, investors will have a solid guide on LQ45 stocks to achieve their financial goals through stock investing.
Analysis Of The Effect Of Stock Returns Using The Capital Asset Pricing Model (Capm) Method On Risk In Food And Beverage Companies Listed On The Idx For The 2020-2022 Period Noviana Ramadhani; Vika Triya Wahyuni; Naula Chantika Putri F; Maria Yovita R.Pandin
Finance : International Journal of Management Finance Vol. 1 No. 2 (2023): December
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/finance.v1i2.11

Abstract

This study aims to determine whether the stock return obtained from the CAPM calculation can significantly affect the risk of food and beverage companies listed on the Indonesia Stock Exchange for the period 2020–2022. The variables used in this study are risk as an independent variable or independent variable calculated using the Beta (β) formula, and stock returns as a dependent variable or dependent variable calculated using the CAPM formula. This study uses a descriptive statistical analysis test, a classical assumption test, and a partial t hypothesis test. The results of this study indicate that the stock return variable significantly affects the risk variable because the sig value is 0.004 ˂ 0.05, which means Ho is rejected and Ha is accepted, which means that the effect of the independent variable on the dependent variable is unidirectional. This shows that the higher the level of return expected by investors, the higher the level of risk that investors will take. This is in accordance with the portfolio theory in the CAPM method, which suggests that there is a positive and linear relationship between beta, risk, and the expected rate of return.
The Effect of Net Income and Dividends on Stock Prices at PT Telkom Indonesia Tbk in 2018-2022 Rulis Setyowati; Vivi Ade Rivani; Yunita Budi A M; Maria Yovita R.Pandin
Finance : International Journal of Management Finance Vol. 1 No. 2 (2023): December
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/finance.v1i2.17

Abstract

This research aims to analyze the effect of net profit and dividends on share prices at PT Telkom Indonesia Tbk during the period 2018 to 2022. The data used is company financial data which includes net profit, dividends and share prices. The research method applied is quantitative, Quantitative methods are a type of research that is more organized and methodical in terms of the use of numbers, as well as more clear and precise in the way it collects data and presents its findings. The research results show that net profit has a positive and insignificant influence on the share price of PT Telkom Indonesia Tbk. This shows that the higher the company's net profit, the higher the share price, but there are insignificant influencing factors such as economic conditions, industry competitors and so on. Dividends also have a positive and insignificant influence on the company's share price. This means that the higher the dividend distributed, the higher the share price of PT Telkom Indonesia Tbk. Apart from that, net profit and dividends have a positive and insignificant influence on share prices. This research provides a better understanding of the factors that influence company share prices and can be a reference for investors and shareholders in making investment decisions.
PENGARUH KINERJA PERUSAHAAN TERHADAP SUSTAINABILITY FINANCE PADA PT. HM SAMPOERNA Tbk Erlina Dinda Safitri; Esther Tioma Nauly Pardede; Maria Yovita R.Pandin
Jurnal Ilmiah Dan Karya Mahasiswa Vol. 1 No. 4 (2023): AGUSTUS : JURNAL ILMIAH DAN KARYA MAHASISWA
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jikma.v1i4.485

Abstract

Penelitian ini diharapkan dapat melihat dampak pelaksanaan organisasi terhadap dukungan keuangan di perusahaan HM Sampoerna Istansi bersangkutan . Eksekusi organisasi diperkirakan menggunakan return on resources (ROA), return on value (ROE), Net Benefit to Deals (NPS), dan Manageability Money. Metode yang digunakan dalam ulasan ini dicoba berdasarkan anggapan dan spekulasi tradisional. Eksplorasi ini menggunakan strategi relaps lurus yang berbeda untuk mengtes spekulasi. Konsekuensi dari investigasi menunjukkan bahwa pelaksanaan organisasi berdampak pada keuangan pemeliharaan di perusahaan HM Sampoerna Istansi bersangkutan . Hal ini menunjukkan bahwa semakin baik pameran organisasi maka semakin besar pula scor dukungan keuangan yang dapat diciptakan. Mengingat tes anggapan gaya lama yang dilakukan, sangat mungkin diperiksa bahwa informasi yang digunakan dalam ulasan memiliki atribut yang memenuhi praduga kebiasan, heteroskedastisitas , dan multikolinearitas . Oleh karena itu, penelitian ini bermaksud untuk melihat dampak pelaksanaan organisasi terhadap keuangan pemeliharaan di perusahaan HM Sampoerna Istansi bersangkutan masa 2017-2021 .
Co-Authors Adelia Febriana Alinda Dwi Jofanka Amelia Wardatus Rizki Angelina Wijaya Tan Anisa Lailatul Nikmah Avita Anggraeni Ayu Asari Berliana Indah Kusumaningrum Diana Indah Sri Lestari P. A Dika Chandra Laili Divil Hikma Dwi Yanti Dyah Ayu Pramesti Elfalina Magymai Erlina Dinda Safitri Esther Tioma Nauly Pardede Farah Estianingtyas Fauziyah Fadhilah Fernianda Wahyu Ramadanthy Fiqri Najmuddien Hanum Cheffi Ambarwati Hasna Khalisha Putri Joanne Intania Rut Simunapendi Josephine Elliska Dinata Khansa Tsabita Lufvi Selvia Febriati Marcella Aullia J Marcella Aullia Jayadi Marcella Trianita Abur Nanik Dwi Siswati Nathalie Elshaday Betrix Ambouw Naula Chantika Putri F Nesa Mia Kassandra Nevanda Julya Rizki Novelia Ananda Novia Paramida Noviana Ramadhani Nurfadilah Nurfadilah Nurul Laily Oktavianty, Mufidah Sahla Putu Rena Suci Novalita Reginata Saharany Kustanti Risca Olivianti Riska Septi Ariani Rista Intan Pertama Sari Rizka Maya Shova Rosa Devina Rosaria Rudeng Rulis Setyowati Sella Harvianna Shirky Kharisma Fitri Hasnita Shofiatus Sa’diyah Sinta Dewi Sukma Asri Sunarti Sunarti Tanya Tata Putri Srikandi Trenda Indri Ardianti Uhti Noer Choliza Safitri Vika Triya Wahyuni Vivi Ade Rivani Yuli Meliana Yunita Budi A M Zaschia Flanivolya Matulessy