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Peningkatan Kreativitas Bisnis melalui Program “Sinau Bisnis Rame-Rame” pada Siswa SMK Muhammadiyah II Brondong Lamongan Lailiyah, Elliv Hidayatul; Fajri, Mega Barokatul; Zulyanti, Noer Rafikah; Syah, Imran
Mujtama Jurnal Pengabdian Masyarakat Vol 4, No 1 (2024): Mujtama’ Jurnal Pengabdian Masyarakat
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/mujtama.v4i1.22553

Abstract

Salah satu upaya untuk mencapai misi Menuju Indonesia Emas 2045 adalah Indoneisa harus memiliki sumber daya manusia yang unggul serta terampil dalam segala bidang yaitu sumber daya yang kreatif serta inovatif. Perkembangan teknologi yang masif serta semakin mengetatnya persaingan global membuat semakin bergantung pada inovasi dan kreatifitas agar dapat bertahan, bersaing, serta berhasil. Karena alasan itulah, perlu adanya kegiatan yang dapat menumbuhkan jiwa-jiwa kewirausahaan yang kreatif  dan inovatif, agar dapat berwirausaha dan menciptakan lapangan kerja. Tujuan pengabdian ini adalah untuk meningkatkan kreativitas bisnis pada siswa SMK Muhammadiyah II Brondong Lamongan. Metode pelaksanaan yang diterapkan adalah memberikan materi tentang creative and innovative thinking. Hasil kegiatan ini adalah siswa SMK Muhammadiyah II Brondong memiliki pandangan serta ide-ide yang kreatif dan inovatif mengenai bisnis serta antusiasme para siswa untuk memiliki bisnis sendiri meningkat.
Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies Fajri, Mega Barokatul; Rochmah, Sofi Machmudatul; Putro, Guruh Marhaenis Handoko; Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Syah, Imran
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22690

Abstract

The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.
An Evaluation of Stock Fair Value Using Fundamental and Technical Analysis with DDM and PER Approaches Fajri, Mega Barokatul; Hidayatul Lailiyah, Elliv; Rafikah Zulyanti, Noer; Syah, Imran; D. Oktanti, Ellen
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.930

Abstract

For an investor, it is very important to conduct a stock valuation before making a transaction because stock valuation is a form of rationalization for an investor in making investment decisions. The purpose of this study itself is to evaluate the intrinsic value of PT Indofood Sukses Makmur Tbk (INDF) shares using two approaches, namely fundamental analysis and technical analysis. In fundamental analysis, economic, industry, and company analyses are carried out. The fundamental analysis methods used are the dividend discount model (DDM) and price-earnings ratio (PER), while technical analysis is carried out using moving average indicators and the relative strength index. The results of this study indicate a relatively strong trend in the Indonesian economy and a fairly strong resilience in the face of trade wars. In terms of industry, INDF continues to experience growth both in terms of sales and in terms of net profit. And the results of calculations using the DDM and PER methods show that the INDF share price has an intrinsic value that is much higher than the value of shares in the market, so it can be concluded that INDF shares are classified as undervalued. And in terms of technical analysis, the intrinsic value of INDF shares is in the price range of IDR 6,500 to IDR 7,250. From this analysis, it indicates that the current stock value in the market is low and still has the potential to be purchased because of its higher intrinsic value.
Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies Fajri, Mega Barokatul; Rochmah, Sofi Machmudatul; Putro, Guruh Marhaenis Handoko; Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Syah, Imran
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.22690

Abstract

The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.
Pemanfaatan Model Contextual Teaching and Learning (CTL) dalam Pembelajaran PAI untuk Mengembangkan Kompetensi Sosial Siswa Syah, Imran
Jurnal Ilmu Tarbiyah Dan Keguruan (JITK) Vol 3 No 1 (2025)
Publisher : CV Edu Tech Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pemanfaatan model Contextual Teaching and Learning (CTL) dalam pembelajaran Pendidikan Agama Islam (PAI) untuk mengembangkan kompetensi sosial siswa. Model CTL, yang menekankan pada keterkaitan materi dengan konteks kehidupan sehari-hari siswa, diharapkan dapat meningkatkan kemampuan siswa dalam berinteraksi sosial, bekerja sama, dan menunjukkan sikap toleransi terhadap perbedaan. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus yang melibatkan siswa SD Negeri 101776 Sampali. Hasil penelitian menunjukkan bahwa penerapan model CTL dalam pembelajaran PAI dapat meningkatkan kompetensi sosial siswa, terutama dalam hal empati, kerja sama, dan sikap toleransi.
Digital Financial Inclusion and Access to Financing for MSMEs: A Case Study of MSMEs in the Creative Sector in Lamongan Lailiyah, Elliv Hidayatul; Zulyanti, Noer Rafikah; Fajri, Mega Barokatul; Syah, Imran; Abdullah, Addina Haque
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3705

Abstract

The development of digital financial inclusion in Indonesia has brought significant changes to the local economic system. The development of digital technology has fundamentally changed the way people access financial services. However, for MSMEs in the creative sector, access to formal financing remains a major challenge, particularly in Lamongan Regency, East Java. This study aims to understand in depth how digital financial inclusion practices affect MSMEs' access to financing in the creative sector, as well as the social, technological, and institutional factors that influence this process. This study used a qualitative approach with a case study design. Data were obtained through in depth interviews with 10 informants. Analysis was conducted using thematic analysis techniques to identify patterns of meaning and relationships between themes. The results show that digital financial inclusion expands access to financing through the convenience of fintech applications and mobile banking services, but its effectiveness is highly dependent on digital literacy, trust in digital systems, and local government support. Key inhibiting factors include limited internet access in rural areas, low understanding of digital risks, and minimal mentoring. This study emphasizes the importance of building an inclusive and adaptive digital financial ecosystem to the local context, through collaboration between businesses, the government, and digital financial institutions.