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PENGARUH KEWAJIBAN MODAL MINIMUM, FINANCING TO DEPOSIT RATIO, CASH RATIO, TERHADAP PROFITABILITAS DENGAN NON PERFORMING LOAN SEBAGAI VARIABEL INTERVENING PADA BANK UMUM 2020-2023 Ariyantiningsih, Febri; Fandiyanto, Randika; Minullah, Minullah
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 10 (2025): OKTOBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i10.7328

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Cash Ratio on Profitability with Non-Performing Loan (NPL) as an intervening variable in commercial banks listed on the Indonesia Stock Exchange (IDX) for the period 2020–2023. The study uses a quantitative approach with secondary data from the annual financial reports of 12 sample banks selected using purposive sampling techniques. The data were analyzed using Partial Least Square (PLS) with the help of SmartPLS 3.0 software. The results of the study indicate that: (1) CAR does not have a significant effect on NPL; (2) FDR does not have a significant effect on NPL; (3) Cash Ratio has a positive and significant effect on NPL; (4) CAR does not have a significant effect on Profitability; (5) FDR does not significantly affect Profitability; (6) Cash Ratio does not significantly affect Profitability; (7) NPL does not significantly affect Profitability; and (8), (9), and (10) NPL is not proven to mediate the relationship between CAR, FDR, and Cash Ratio on Profitability. Based on these findings, it can be concluded that of the three independent variables, only the Cash Ratio significantly affects NPL, but none of the variables have a significant effect on Profitability, either directly or indirectly through NPL mediation. The implications of this study emphasize the importance of prudent liquidity management and operational efficiency for banks, as well as the need for further research by adding other variables and expanding the scope of the study period..
PENGARUH STRUKTUR MODAL, KEBIJAKAN DIVIDEN DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN DENGAN KINERJA KEUANGAN SEBAGAI VARIABEL INTERVENING PADA PERUSAHAAN PERDAGANGAN BESAR BARANG PRODUKSI YANG TERDAFTAR DI BEI Zehro, Fatimatuz; Wahyuni, Ika; Ariyantiningsih, Febri
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 10 (2025): OKTOBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i10.7214

Abstract

The objective of this study was to determine the effect of capital structure, dividend policy, and firm size on firm value, with financial performance as an intervening variable in Wholesale Manufacturing Companies Listed on the Indonesia Stock Exchange. The sampling technique used in this study was simple random sampling of 98 consumers. Data analysis and hypothesis testing in this study used the Partial Least Squares Structural Equation Model (PLS-SEM). The results showed that capital structure had a significant positive effect on financial performance, dividend policy had a significant positive effect on financial performance, firm size had a significant negative effect on financial performance, capital structure had a positive but insignificant effect on firm value, dividend policy had a positive but insignificant effect on firm value, firm size had a positive but insignificant effect on financial performance, financial performance had a significant positive effect on firm value, capital structure had a significant positive effect on firm value through financial performance, dividend policy had a significant positive effect on firm value through financial performance, and firm size had a significant negative effect on firm value through financial performance. Financial.
The Effect Of Education And Training, Motivation And Discipline On Job Satisfaction As Intervening Variables On The Performance Of PNS Teachers In Public Elementary Schools In Panji District, Situbondo Regency Yuli Anitasari, Eka; Yahya Arief, Mohammad; Ariyantiningsih, Febri
International Journal of Economics, Business and Innovation Research Vol. 4 No. 06 (2025): October- November, International Journal of Economics, Business and Innovation
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v4i06.2435

Abstract

Education and training is important things​ for employee in something agencies. Employees who participate in education and training influence on the performance of civil servants. The more employee the active in work and follow in accordance rules and procedures, then the more good Civil Servant Performance obtained. Research​​ This aim For know The Influence of Education and Training, Motivation and Discipline with Satisfaction Work As Intervening Variables on the Performance of Civil Servant Teachers at Public Elementary Schools in Panji District, Panji Regency Situbondo. Based on framework the resulting conceptual, can concluded that Education and Training, Discipline influential positive significant to Satisfaction Work. Motivation influential positive However No significant to Satisfaction Work, and Education and Training, Discipline influential positive However No significant on Performance. Motivation and Satisfaction Work influential positive significant on Performance. Education and Training, Motivation and Discipline influential positive However No significant on Performance through Satisfaction Work.
The Influence Of Competency, Training, And Organizational Culture On The Performance of BRI Employees In The Situbondo Branch With Job Satisfaction As Intervening Variable Eko Yuliarso, Ferry; Ariyantiningsih, Febri; Yahya Arief, Mohammad
International Journal of Economics, Business and Innovation Research Vol. 5 No. 01 (2026): December - January, International Journal of Economics, Business and Innovatio
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i01.2871

Abstract

The purpose of this study is to analyze the influence of the variables of Training Competence and Organizational Culture on the Performance of BRI Employees at the Situbondo Branch with Job Satisfaction as an Intervening Variable. By using the Partial Least Square (PLS) Structural equation model. The results of the direct influence hypothesis test using the Smart PLS 3.0 application Competence has a positive but not significant effect on Job Satisfaction, Training has a positive but not significant effect on Job Satisfaction, Organizational Culture has a significant positive effect on Job Satisfaction, Competence has a significant positive effect on Performance, Training has a positive but not significant effect on Performance, Organizational Culture has a significant positive effect on Performance, Job Satisfaction has a positive but not significant effect on Performance, Competence has a positive but not significant effect on Performance through Job Satisfaction, Training has a positive but not significant effect on Performance through Job Satisfaction, Organizational Culture has a positive but not significant effect on Performance through Job Satisfaction.
ANALISIS STRATEGI PENGEMBANGAN UMKM NARA HANDY CRAFT DALAM MENINGKATKAN DAYA SAING PRODUK LOKAL Sawmy, Milyin Niam; Ariyantiningsih, Febri; Lestari, Meiliana Dian; Maqqiyatul, Yunita; Maulana, Riski
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 12 (2025): DESEMBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i12.7984

Abstract

This study aims to analyze the development strategies of handicraft Micro, Small, and Medium Enterprises (MSMEs) in enhancing the competitiveness of local products. Handicraft MSMEs play an important role in the local economy, particularly in creating employment opportunities and preserving local cultural values. However, these enterprises still face various challenges, such as limited capital, marketing constraints, lack of product innovation, and low utilization of digital technology. This research uses a descriptive qualitative method, with data collected through observation, interviews, and literature review. The results indicate that the development strategies of handicraft MSMEs can be implemented through improving product quality, design innovation, utilization of digital marketing, strengthening branding, and support from the government and related institutions. By implementing appropriate strategies, nara handi craft MSMEs are expected to improve the competitiveness of local products in broader markets, both nationally and internationall
PENGEMBANGAN KULIT PANGSIT MENJADI PANGSIT ROLL LUMER BERBAGAI VARIAN RASA BY SUJAJEMI Jannah, Rodhatul; Ariyantiningsih, Febri; Anwar, Jeny Dwi; Melia, Susan
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 11 (2025): NOVEMBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i11.7958

Abstract

Pangsit roll lumer is an innovative food product that transforms traditional dumpling wrappers into a modern snack with flavor varieties applied on the outside, such as chocolate, matcha, and tiramisu. This study aims to analyze the product development process, sensory evaluation, and market competitiveness assessment of pangsit roll lumer. The methods employed include production, observation, and interviews. The results indicate that pangsit roll lumer with chocolate, matcha, and tiramisu flavors received positive responses from consumers in terms of taste, aroma, color, and texture. Physicochemical analysis shows that the product remains safe for consumption and has high economic value and market competitiveness. This innovation opens opportunities for the development of snack industries based on traditional foods and can inspire other MSMEs to create innovative and competitive products.
ANALISIS KELAYAKAN BISNIS PADA UMKM KOPI KAULE DARI ASPEK PENGAMBILAN KEPUTUSAN DAN MANAJEMEN TENAGA KERJA YANG DI NILAI Aknis, Bintang Jaya; Ariyantiningsih, Febri; Wati, Ratna Lia; Yonisaputra, Virgiawan Ramadhana; Laia, Yuaidarni Hati
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 12 (2025): DESEMBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i12.7985

Abstract

Decision-making is an important aspect in the sustainability and development of Micro, Small, and Medium Enterprises (MSMEs), including the Kaule Coffee MSME which operates in the field of mobile coffee sales with an innovative concept using electric carts and bicycles. This study aims to analyze the decision-making process applied to the Kopi Kaule MSME and its impact on team operations and performance. The research methods used were observation and interviews with the owner and employees of Kopi Kaule. The results showed that the decision-making process at Kopi Kaule remains owner-centered, with a democratic and participatory leadership style in several operational aspects, such as menu selection, work schedules, and promotional strategies. Employees are given space to express their opinions, but the final decision rests with the owner. This situation facilitates rapid decision-making, but also creates a high level of dependence on the owner and limits employee initiative. Therefore, strengthening the decision-making system is necessary through delegation of authority, clearer division of tasks, and increased communication and regular evaluation. With more structured decision-making management, Kopi Kaule MSME is expected to improve operational effectiveness, team independence, and sustainable business competitiveness.
PENGEMBANGAN USAHA KECIL RENGGINANG EMAK YANG MENGUBAH KEHIDUPAN Agustin, Adelia; Ariyantiningsih, Febri; Himayyah, Himayyah; Lestari, Putri Bintang Aprilia
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 11 (2025): NOVEMBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i11.7959

Abstract

The development of the rengginang emmak business presents a strategic opportunity for moicro, small, and medium enterprises (MSMEs) to maintain their existence and increase the competitiveness of local products.Rengginang, a food with significant cultural value and economic potential, faces several challenges including limited marketing, competition from modern products, and changes in consumer behavior. Rengginang Emmak is a small MSME producing traditional Indonesian snack. Founded by a housewife (Siti Yuliatun), she sought to increase her family’s income by utilizing local resources and fresh, high-quality ingredients. Rengginang Emmak has successfully created a delicious and nutritious product. This articel will discuss the development of the rengginang emmak business using the right strategies to ensure that the business can not only survive but also grow sustainably amidst modern food.
ANALISIS STUDI KELAYAKAN BISNIS PADA UMKM DI TINJAU DARI ASPEK PASAR DAN PEMASARAN (STUDI KASUS UMKM CREPES NIHIWATU) Sholeha, Jeni Fatimatus; Ariyantiningsih, Febri; Maulida, Rizkiyah Imri; Ndururu, Ari; Herlina, Herlina
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 12 (2025): DESEMBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i12.7986

Abstract

This study analyzes the business viability of MSMEs Jinji Dimsum from the perspective of the market and marketing. Crepes, a snack originating from Brittany, France, has attracted the attention of Indonesian society, especially young people. The research method used was qualitative, involving literature studies and marketing strategy analysis. The results show that Crepes has successfully positioned itself as a provider of crepes with a variety of options at an affordable price, as well as an effective marketing strategy through social media. The 4P marketing mix (product, price, promotion, and place) increases brand awareness and expands market reach. In conclusion, this MSMEs business has a large market potential and is viable and worth developing from a marketing perspective.
MENINGKATKAN MINAT PEMBELIAN DAN INOVASI BARU DARI FISHOTEL MAKANAN KHAS DAERAH BESUKI Octavia, Sildalina Tri; Ariyantiningsih, Febri; Amalia, Firdauzy; Afifa, Nur
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 11 (2025): NOVEMBER 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i11.7961

Abstract

Fishotel is a Besuki specialty made from fish that has great potential as a local culinary product based on local wisdom. However, its existence faces challenges in the form of changing consumption patterns and competition with modern foods. This discussion aims to analyze consumer purchasing interest and the role of product innovation in increasing Fishotel's competitiveness. The method used is a qualitative descriptive approach through a literature review and product condition analysis. The results of the discussion indicate that Fishotel purchasing interest is influenced by the quality of raw materials, taste, price, packaging, and marketing strategy. Product innovations such as the addition of chili oil, variations in accompanying spices, and the use of vacuum packaging have been proven to increase the added value and appeal of the product without losing its traditional identity. With the right innovation and marketing strategies, Fishotel has the potential to develop into a superior regional product while supporting the preservation of traditional Besuki culinary.
Co-Authors Abdalllah, Danilmatin Afifa, Nur Afifah, Dewi Agustin, Adelia Agustyono, Dandy Dwi Kurniawan Ainiyah, Rahmatul Aknis, Bintang Jaya Amalia, Firdauzy Aman, Thoriqul Anam, Hairul Fadil Anwar, Jeny Dwi Arief, Mohammad Yahya Azizah, Faradila Alya Nur Biharuddin, Ahmad Ciptasari, Ayu Dita Windra Darmawan, Muh. Bayu Dita, Ayu Dwi Perwitasari Wiryaningtyas, Dwi Perwitasari Eko Yuliarso, Ferry Failin, Isma Nur Fajar Wahyu Prianto Fandiyanto, Randika Fattah, Rozikin Miftahul hamdun, Edy kusnadi Hasanah, Usrotul Herlina Herlina Herman Susanto Hidayanti, Nor Hidayat Hidayat Himayyah, Himayyah Ika WAHYUNI Indriyana, Sofi Iqbal Anshory, Muhammad Irwansyah, Moh Heri Jannah, Rodhatul Karnadi, Karnadi Kholifah, Siti Nor Kurniahadi, Didik Laia, Yuaidarni Hati Lestari, Meiliana Dian Lestari, Putri Bintang Aprilia Lestiyono, Dwi Budi Mahendra, Jaka Maqqiyatul, Yunita Maulida, Rizkiyah Imri Melia, Susan Minullah, Minullah Muhammad Danial Muhammad Firdaus Muna, Unilatil Nanda Widaninggar, Nanda Natania, Fela Olivia Ndururu, Ari Nikmah, Firdaus Kamil Indatun Nurhasana, Tutut Nuur, Harzuna Said Octavia, Sildalina Tri Pramesthi, Riska Ayu Prasetyo, Muhammad Yolan Huri Qur’ani, Ribby Mufidah Rachman, Riza Rahmadani, Muhammad Ramadani, Yana Fitriyah Ramdani, Dicky Raziqin, Novanda Khayrur Rifki, Mohammad Fais Fadilatul Riski Maulana, Riski Sari, Ayu D.W.C Sariatik, Atika Puspita Sawmy, Milyin Niam Sholeha, Jeni Fatimatus Siti Nur Aisyah Soeliha, Siti Solihin, Rafiyan Nurus Sri Wahyuni Susiana Susiana Syafitri, Riezky Amalia Nur Tarqiyah, Urwatut Triska Dewi Pramitasari Ubaydillah, Mohammad Wahyuni, Hafida Aisa Waskita, Sabrina Auli Wati, Ratna Lia wijaya, yan parta Wirahman, Bintang Arya Wulandari, Dila Yahya Arief, Mohammad Yanuariski, Wila Yonisaputra, Virgiawan Ramadhana Yuli Anitasari, Eka Zehro, Fatimatuz