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All Journal At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Abdi Insani Jurnal Administrasi Pendidikan Islam International Journal of Economics, Management, Business, and Social Science Abimanyu: Journal of Community Engagement Akuntansi'45 BISNIS : Jurnal Bisnis dan Manajemen Islam
Nihaya, Ina Uswatun
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Parental financial socialization on emerging adulthood: A dual perspective study Akbar, Rasyidi Faiz; Kautsar, Achmad; Kusumawati, Nunik Dwi; Nihaya, Ina Uswatun; Putra, Syaifurrizal Wijaya; Ramadhani, Bima Yatna Anugerah; Nadia, Fiona Niska Dinda
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 4 No. 2 (2024): May 2024
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v4i2.428

Abstract

This study investigates the impact of parental financial socialization on the financial behaviors and attitudes of emerging adults, considering both parental and child perspectives. It examines direct teaching, role modeling, and the quality of financial relationships in shaping financial outcomes. Using a quantitative purposive sampling method, data were collected from 524 participants through structured questionnaires assessing parental financial teaching, attitudes, and behaviors. Structural equation modeling was used to analyze these relationships. Findings reveal that parental direct teaching and role modeling significantly influence emerging adults' financial attitudes and behaviors. A positive financial relationship between parents and children enhances financial socialization practices. Emerging adults reporting higher levels of parental guidance and role modeling exhibit better financial behaviors and more responsible attitudes. The study also identifies significant mediating effects of financial attitudes on the relationship between parental socialization practices and behaviors. This research highlights the dual influence of parental teaching and role modeling on young adults' financial outcomes and underscores the importance of supportive financial relationships. It offers insights into the mechanisms through which parental behaviors shape financial competence, providing a foundation for targeted financial education programs and policies.
Pembayaran Dividen Dan Profitabilitas Sektor Pertanian: Apakah Rasio Lancar Penting? Kautsar, Achmad; Nihaya, Ina Uswatun; Kusumawati , Nunik Dwi; Akbar, Rasyidi Faiz
AKUNTANSI 45 Vol. 3 No. 2 (2022): Jurnal Ilmiah Akuntansi
Publisher : Fakultas Ekonomi Program Studi Akuntansi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/akuntansi45.v3i2.950

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh profitabilitas terhadap dividen dengan likuiditas sebagai variabel moderasi pada sektor pertanian karena sektor ini menunjukkan fluktuasi dividend payout ratio yang sangat tajam pada tahun 2015. Hal ini membuat sektor pertanian mengalami fluktuasi paling tajam diantara sektor lainnya. Variabel bebas dalam penelitian ini adalah profitabilitas dengan return on assets (X) sebagai proksi. Variabel dependen dalam penelitian ini adalah dividen dengan proksi dividend payout ratio (Y) dengan variabel moderasi likuiditas dengan proksi current ratio (Z). Penelitian ini menggunakan sampel perusahaan pertanian yang terdaftar di Bursa Efek Indonesia periode 2014-2021. Penelitian ini menggunakan pendekatan kuantitatif dengan metode purposive sampling. Data yang digunakan adalah data sekunder yang diperoleh dari laporan keuangan Osiris Bureau dan Van Dijk. Teknik yang digunakan dalam penelitian ini adalah analisis regresi moderat (MRA). Hasil penelitian ini menunjukkan bahwa profitabilitas berpengaruh signifikan terhadap dividen. Hasil lainnya juga menunjukkan bahwa likuiditas berperan sebagai variabel kuasi moderator pengaruh profitabilitas terhadap dividen pada perusahaan pertanian yang terdaftar di Bursa Efek Indonesia periode 2014-2021.
PELATIHAN PENGUATAN PSYCHOLOGICAL WELLBEING BAGI ANGGOTA UMKM Jacobis, Riede Paulus; Nugrohoseno, Dwiarko; Budiono, Ec.; Nihaya, Ina Uswatun
Jurnal Abdi Insani Vol 12 No 6 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i6.2260

Abstract

Pelaku UMKM sangat rentan terkena kesehatan mental dikarenakan aktivitas bisnis yang sangat kompetitif antar sesama kompetitor maupun dalam upaya membangun hubungan baik dengan pelanggan. Pelatihan Penguatan Psychological Wellbeing bagi Anggota UMKM difokuskan pada perempuan pelaku usaha di komunitas Sekoper, Desa Dooroo. Program ini menangani tantangan psikologis yang memengaruhi produktivitas dan ketahanan usaha. Melalui intervensi terarah, peserta memperoleh kesadaran, strategi pengelolaan stres, dan motivasi untuk mempertahankan serta mengembangkan usaha mereka. Kegiatan pelatihan psychological well-being bertujuan untuk menambah pengetahuan dan pemahaman bagi masyarakat yang berprofesi sebagai pelaku UMKM di Desa Dooro Kabupaten Gresik. Metode yang digunakan dalam kegiatan pengabdian masyarakat ini yaitu partisipatif, melalui pendekatan yang difokuskan pada peningkatan peran masyarakat secara aktif dalam proses pelatihan yang diberikan. Teknik pelatihan dilakukan secara bervariasi melalui ceramah, tanya jawab, dan demonstrasi. Teknik pengumpulan data dilakukan dengan observasi, wawancara, serta dokumentasi yang di  awali  dengan  pembagian  Pre-testdan di akhiri pembagian Post-test. Hasil pelatihan yang telah dilakukan menunjukkan peningkatan pemahaman peserta tentang psychological well-being, dengan 80% memahami konsep dasar seperti self-acceptance dan personal growth. Sekitar 75% melaporkan penurunan stres melalui teknik relaksasi, sementara dukungan sosial antar peserta juga menguat. Peserta menjadi lebih optimis dan mampu melihat tantangan bisnis sebagai peluang belajar. Melalui ceramah, demonstrasi, dan praktik langsung, pelatihan ini mendorong pelaku UMKM Desa Dooro menjadi lebih tangguh dan produktif. Selain itu, pelatihan ini membuat pelaku UMKM semakin peduli terhadap kesehatan mental dan kesejahteraan dengan melatih pikiran dan jiwa agar terus bersikap dan bereaksi positif terhadap berbagai situasi yang terjadi.
Pengaruh Penerapan Digitalisasi Keuangan Terhadap Kinerja Bendahara Pada Dinas Pendidikan Kota Surabaya Suryana, Rudy; Nihaya, Ina Uswatun
Jurnal Administrasi Pendidikan Islam Vol. 7 No. 2 (2025): September
Publisher : Program Studi Manajemen Pendidikan Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/japi.2025.7.2.127-137

Abstract

Penelitian ini bertujuan untuk menganalisa kinerja bendahara pasca penerapan digitalisasi keuangan yang memberikan pengaruh inovasi pendidikan pada sektor dinas pendidikan kota Surabaya melalui program transaksi digital dengan aplikasi KatePay. Teknik pengumpulan data menggunakan kuisioner penelitian dengan populasi 100 pegawai bendahara dan random sampling sejumlah 80 responden. Berdasarkan hasil uji regresi linear penerapan digitalisasi keuangan secara signifikan memberikan pengaruh terhadap peningkatan kinerja bendahara di Lingkungan Pemerintah Kota Surabaya. Hasil penelitian mengungkapkan bahwa nilai koefisien regresi sebesar 0,499 dengan nilai signifikansi sebesar 0,000 (lebih kecil dari 0,05), yang berarti setiap peningkatan digitalisasi keuangan akan meningkatkan kinerja bendahara sebesar 0,499. (1) peningkatan kinerja bendahara melalui e-payment pada Operasi Perangkat Daerah Dinas Pendidikan Kota Surabaya ditunjukkan melalui adanya inovasi penggunaan aplikasi KatePay, aplikasi tersebut mendorong anak-anak untuk beradaptasi dengan pembayaran digital sejak dini dimulai di lingkungan sekolah. (2) peningkatan penggunaan penerapan digitalisasi keuangan Pemerintah Kota Surabaya juga ditunjukkan melalui peningkatan jumlah aplikasi pada tahun 2016 terdapat 5 aplikasi hingga pada tahun 2025 menjadi 10 aplikasi (e-budgeting, SABK, e-accounting, e-inventory, e-revenue, e-payment, ASING, ASSIST, ASENG dan SINADA.
Pemberdayaan Masyarakat Melalui Program Kerja Branding UMKM Dalam Upaya Meningkatkan Ekonomi Pelaku UMKM Desa Kweden Rena Natalia; Kharisma, Fresha; Ramadhan, Muhammad Rizky; Nihaya, Ina Uswatun
Abimanyu : Jornal of Community Engagement Vol 3 No 2 (2022): August 2022
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/abi.v3n2.p35-39

Abstract

Kweden village is a tourist village that is not too developed, but besides that, many of its residents work as MSME actors. Most of them learn about MSEs by self-taught through social media, especially YouTube. Due to this, many MSME actors in Kweden Village still lack knowledge of MSMEs and doing business. Many of them just go along with it in business. Therefore, the purpose of holding MSME Branding is so that MSME actors in Kweden Village can be more professional in running and developing their business which will improve the family economy and make Kweden Village better known. The method used in collecting information about the background of MSME actors is by questionnaires and interviews. And as a result, the MSME branding activity program really helps MSME actors in running their business more professionally.
Sosialiasi Pemanfaatan Tanaman Herbal Sebagai Imonomodulator Untuk Meningkatan Imunitas Tubuh Masyarakat Gubeng Siti Aminah; Mukholidah, Ainul; Salsabila, Anggun Nur; Rahman, Muhammad Fajar Wahyudi; Nihaya, Ina Uswatun; Kautsar, Achmad
Abimanyu : Jornal of Community Engagement Vol 4 No 1 (2023): February 2023
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/abi.v4n1.p45-51

Abstract

One of the activities that provides an overview of the usefulness of students to students community, namely through the Thematic Real Work Lecture (KKN-T). This activity a mandatory activity must be followed by all students. In this activity, members of the KKN-T 15 Surabaya group. Devoting themselves to community, especially the people of Gubeng Village, Gubeng District, Surabaya City which is a densely populated area, making a place that is prone to the spread of the virus, causing a high death rate of 1,253 people. This is one of the reasons for the lack of knowledge and understanding of the community in maintaining health to prevent and fight the Covid-19 virus. One of the efforts that must be carried out is to maintain and increase the body's resistance. Based on these problems, a solution is needed to overcome them, the Surabaya KKN-T 15 group held a socialization work program to stop Covid-19. The implementation method is in form of direct counseling by combining the lecture method with discussion. This activity aims to provide knowledge to the public about the use and manufacturing of herbal plants as immunomodulators to increase immunity and body immunity in the face of a disease.
Analysis Of Sme Financing And Shock Variables At Indonesia's Sharia Rural Banks (Bprs) In Indonesia Yaman, Afdhal; Nihaya, Ina Uswatun; Shalihah, Mar'atun; Tuanany, Ismail; Manilet, Aisa; Hulihulis, Nur Sasma Sabila
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 11, No 2 (2025): DESEMBER 2025
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v11i2.18061

Abstract

This study investigates the effects of macroeconomic shock variables, namely inflation, the BI rate, and the exchange rate, on SME financing in Indonesia’s Sharia Rural Banks (BPRS). This research employs a quantitative approach using time-series data from April 2016 to August 2023, comprising 89 observations, and is analyzed using EViews 10. The results show that inflation has a more stable and dominant effect on SME financing cycles, whereas the BI rate and exchange rate exhibit heterogeneous and time-varying influences. Moreover, the contribution of inflation to SME financing in BPRS tends to increase over time. This study contributes to the Islamic finance literature by demonstrating a distinctive transmission mechanism of macroeconomic shocks within Sharia-based rural banking, which operates under profit-and-loss sharing and asset-backed financing principles. From a policy perspective, the findings suggest that maintaining price stability is crucial for sustaining SME financing growth in the Islamic banking sector. Therefore, Bank Indonesia (BI) should prioritize inflation control, while the Financial Services Authority (OJK) needs to strengthen prudential supervision to enhance BPRS resilience against external volatility. In addition, BPRS management is encouraged to improve risk management and portfolio strategies to mitigate macroeconomic uncertainty and ensure financing sustainability.
Dampak Shock Variables terhadap Kinerja Pembiayaan UKM pada Bank Perekonomian Rakyat Syariah (BPRS) di Indonesia Yaman, Afdhal; Nihaya, Ina Uswatun
BISNIS Vol 13, No 2 (2025): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v13i2.34092

Abstract

The purpose of this study is to examine the long-term and short-term relationships between macroeconomic variables, namely the BI rate, inflation, and the exchange rate, and SME financing at Bank Perekonomian Rakyat Syariah (BPRS) in Indonesia. This study employs a quantitative approach using secondary time-series data from April 2016 to April 2025. The analytical method used is the Vector Error Correction Model (VECM), which is a restricted form of the Vector Autoregressive (VAR) model. Before estimating the VECM, several preliminary tests are conducted, including the stationarity test, optimal lag length test, stability test, cointegration test, and Granger causality test. Afterward, the VECM estimation is performed, followed by the impulse response function (IRF) analysis. Based on the results, the BI rate and the exchange rate exhibit varying responses across periods, while inflation consistently shows an increasing response in each period of SME financing. Similarly, the contributions of the BI rate and the exchange rate to SME financing fluctuate over time. In contrast, the contribution of inflation to SME financing at BPRS in Indonesia continues to increase in each period.
Co-Authors Afdhal Yaman Akbar, Rasyidi Faiz Budiono, EC. Dwiarko Nugrohoseno Fresha Kharisma Hulihulis, Nur Sasma Sabila Jacobis, Riede Paulus Kautsar, Achmad Kusumawati , Nunik Dwi Kusumawati, Nunik Dwi Manilet, Aisa Muhammad Rizky Ramadhan Mukholidah, Ainul Putra, Syaifurrizal Wijaya Rahman, Muhammad Fajar Wahyudi Ramadhani, Bima Yatna Anugerah Rena Natalia Salsabila, Anggun Nur Shalihah, Mar'atun Siti Aminah Suryana, Rudy Tuanany, Ismail Wiwik Handayani