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PENILAIAN KINERJA KEUANGAN BERDASARKAN PERATURAN BANK INDONESIA Fatmah Watty Pelupessy
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 3 No. 1 (2020): Fair Value : Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (308.207 KB) | DOI: 10.32670/fairvalue.v3i1.943

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The Assessment of Bank Health on Bank Indonesia Regulation No. 6 / 10 / PBI /2004 (A Study Of Branchs Offices of PT. Bank Maluku). The objective of researchis to analyze the financial performance of all branch offices of PT BankPembangunan Daerah Maluku based on PBI No. 6/10/PBI/2004 in the 2007-2010period. Data analysis tool is CAMELS. The population in this study were allbranches of Bank Maluku, and based on purposive sampling technique thenobtained a sample of eight branch offices. Some results are indicated. First, allbranch offices of PT Bank Pembangunan Daerah Maluku are in good category, butstill having minor weaknesses which are solvable by periodic action, Second, theobservation of the main branch in 2010 shows that the bank is relatively good butwith some weaknesses which are capable to reduce its composite rank unless thebank are taking immediate corrective action..
Islamic Financial Literascy For Members Majelis Ta’lim Raudatul Jannah in Tulehu Village Fatmah Watty Pelupessy
MANGENTE: JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 1, No 1 (2021): MANGENTE: JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : IAIN AMBON

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/mangente.v1i1.2566

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Abstract: This comminity service activity (PkM) aims to provide understanding to members of the Majelis Ta’lim Raudatu Jannah about islamic finance as well as contracts and products in islamic banking located in Tulehu village. This activity is carried out by providing socialization regarding islamic financial institutions (especially isslamic banking). The socialization activity was followed by sharing and discussion activities regarding the material that had been delivered. Keywords: Literacy, Islamic FinanceAbstrak: Kegiatan pengabdian kepada masyarakat (PkM) ini bertujuan untuk memberikan pemahaman kepada anggota majelis ta’lim raudatul jannah tentang keuangan syariah serta akad dan produk-produk dalam perbankan syariah.kegiatan ini melibatkan seluruh anggota Majelis Ta’lim Raudatul Jannah yang berlokasi di Desa Tulehu. Kegiatan ini dilaksanakan dengan memberikan  sosialisasi mengenai lembaga keuangan syariah (khususnya perbankan syariah). Kegiatan sosialisasi dilanjutkan dengan kegiatan sharing dan diskusi mengenai materi yang telah disampaikan. Kata kunci: Literasi, Keuangan Syariah
Determinan Return On Investment (ROI) Pada Perusahaan Makanan Dan Minuman Yang Terdaftar Di Bursa Efek (BEI) Pelupessy, Fatmah Watty
AMAL: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2020)
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.712 KB) | DOI: 10.33477/eksy.v2i01.1377

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Determinan Return On Invesment pada perusahaan makanan dan minuman yang terdaftar di Bursa Efek Indonesia. Penelitian ini bertujuan untuk menguji secara empiris faktor-faktor yang mempengaruhi Return On Investmen. Populasi dalam penelitian ini adalah perusahaan makanan dan minuman yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2010 – 2014. Metode pengambilan sampel yang digunakan purposive sampling dan di peroleh 14 Perusahaan Makanan dan Minuman sebagai sampel. Alat analisis yang di gunakan yaitu untuk mengetahui faktor-faktor yang mempengaruhi Return On Investmen yaitu menggunakan Analisis Linear Berganda, Uji Asumsi Klasik dan Uji Hipotesis. Berdasarkan hasil uji t Cash Turnover berpengaruh positif dan signifikan terhadap Return On Investment, Receivable Turnover berpengaruh negatif terhadap Return On Investment, Inventory Turnover berpengaruh positif dan signifikan terhadap Return On Investment, dan Gross Profit Margin berpengaruh positif dan signifikan terhadap Return On Investment. Kata Kunci : Cash Turnover, Receivable Turnover, Inventory Turnover, Gross Profit Margin Return On Investmen.
PENGARUH NET PROFIT MARGIN, RETURN ON EQUITY DAN CURRENT RATIO TERHADAP HARGA SAHAM PADA PERUSAHAAN MANUFAKTUR DI BURSA EFEK INDONESIA (BEI) Pelupessy, Fatmah Watty
AMAL: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2021)
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (393.728 KB) | DOI: 10.33477/eksy.v3i02.3096

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ABSTRAKPengaruh Net Profit Margin, Return On Equiti, dan Current Ratio terhadap harga saham pada perusahaan manufaktur di bursa efek Indonesia. Penelitian ini bertujuan untuk mengetahui pengaruh NPM, ROE, dan CR   secara parsial terhadap harga saham pada perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia. Teknik analisis yang digunakan adalah uji statistic dengan metode regresi berganda dan uji hipotesis menggunakan uji F dan uji t. Dalam penelitian yang dilakukan, pengaruh NPM, ROE, dan CR berpengaruh signifikan terhadap harga saham. Naik turunnya NPM, ROE, dan CR dapat mempengaruhi naik turunnya harga saham. Hasil analisis pengujian regresi variabel NPM dan ROE secara parsial berpengaruh positif terhadap harga saham, sedangkan variabel CR berpengaruh negatif terhadap harga saham. Dari penelitian ini di peroleh nilai R2 sebesar 0,537 menunjukkan bahwa adanya perubahan sebesar 53,7% yang terjadi disebabkan oleh variabel independen (NPM, ROE, dan CR) secara simultan akan berpengaruh terhadap harga saham. Sedangkan sisanya yang lebih besar yaitu 46,3% diterangkan oleh variabel lain yang tidak di masukkan dalam model persamaan regresi pada penelitian ini. Kata Kunci: Net Profit Margin, Return On Equity, Current Ratio, dan Harga Saham  ABSTRACT Effect Net Profit Margin, Return on Equity, and Current Ratio to the stock price at a manufacturing company in Indonesia stock exchange. The purpose of scientific writing is to determine the effect of NPM, ROE, and CR  partially on stock prices on companies listed in Indonesia Stock Exchange. The analysis technique used is a statistical test with multiple regression analysis and hypothesis testing using the F test and t test. In a study conducted, the influence of NPM, ROE, and CR significant effect on stock prices .Rise and fall of NPM, ROE, and CR can affect the rise and fall of stock prices. Results of regression analyzes testing NPM and ROE partially positive effect on stock prices, while the CR variables negatively affect the stock price. From this research, the R2 value of 0.537 indicates that the change of 53.7%, which is caused by the independent variable (NPM, ROE, and CR) together will affect the stock price. While the rest of the larger, ie 46.3% isexplained by other variables that are not entered in the regression model in this study. Keyword: Net Profit Margin, Return On Equity, Current Ratio, dan Stock Price.
PENGARUH PROFITABILITAS, PERTUMBUHAN ASSET DAN UKURAN PERUSAHAAN TERHADAP STRUKTUR MODAL PADA PERUSAHAAN MANUFAKTUR DI BURSA EFEK INDONESIA (BEI) Pelupessy, Fatmah Watty
AMAL: Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022)
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (321.577 KB) | DOI: 10.33477/eksy.v4i01.3218

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ABSTRACT The purpose of scientific writing is to know the effect of Profitability, Asset Growth and Firm Size Of Capital Structure On Manufacturing Company in Indonesia Stock Exchange (BEI) Period 2010-2014. The analysis technique used is a statistical test with multiple regression analysis and hypothesis testing using t test (Partial Test). In the study proved that Profitability and Growth Asset partially positive and significant impact on the capital structure while variable size persahaan negative effect on Capital Structure. From this research, the R2 value of 0.683 indicating that the change amounted to 68.3%, which is caused by the independent variable (Profitability, Asset Growth and size of the company) together will affect the capital structure. While the rest of the larger, ie 31.7% explained by other variables that are not entered in the regression model in this study. Keywords: Profitability, Asset Growth, Company Size and Structure of Capital ABSTRAK            Tujuan penulisan ilmiah ini adalah untuk mengetahui pengaruh Profitabilitas, Pertumbuhan Asset dan Ukuran Perusahaan Terhadap Struktur Modal Pada Perusahaan Manufaktur Di Bursa Efek Indonesia (BEI) Periode 2010-2014. Teknik analisis yang digunakan adalah uji statistik dengan metode regresi berganda dan uji hipotesis menggunakan uji t (Uji Parsial).  Dalam  penelitian  terbukti bahwa Profitabilitas dan Pertumbuhan Asset secara parsial berpengaruh positif dan signifikan terhadap Struktur Modal sedangkan variabel Ukuran persahaan berpengaruh negatif terhadap Struktur Modal. Dari penelitian ini diperoleh nilai R2 sebesar 0,683 yang menunjukkan bahwa adanya perubahan sebesar 68.3% yang terjadi disebabkan oleh variabel independen (Profitabilitas, Pertumbuhan Asset dan Ukuran Perusahaan) secara bersama-sama akan berpengaruh terhadap Struktur Modal. Sedangkan sisanya yang lebih besar yaitu 31.7% diterangkan  oleh  variabel  lain  yang  tidak  di  masukkan  dalam  model persamaan regresi pada penelitian ini.Kata Kunci: Profitabilitas,  Pertumbuhan Asset,  Ukuran Perusahaan dan Struktur Modal
Pengaruh profitabilitas, pertumbuhan asset dan ukuran perusahaan terhadap struktur modal pada perusahaan manufaktur di Bursa Efek Indonesia (BEI) Fatmah Watty Pelupessy
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 8 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.659 KB) | DOI: 10.32670/fairvalue.v4i8.1382

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The purpose of scientific writing is to know the effect of Profitability, Asset Growth and Firm Size Of Capital Structure On Manufacturing Company in Indonesia Stock Exchange (BEI) Period 2010-2014. The analysis technique used is a statistical test with multiple regression analysis and hypothesis testing using t test (Partial Test). In the study proved that Profitability and Growth Asset partially positive and significant impact on the capital structure while variable size persahaan negative effect on Capital Structure. From this research, the R2 value of 0.683 indicating that the change amounted to 68.3%, which is caused by the independent variable (Profitability, Asset Growth and size of the company) together will affect the capital structure. While the rest of the larger, ie 31.7% explained by other variables that are not entered in the regression model in this study.
Psikologi Fomo Gen-Z Dalam Pembelian Impulsif: Analisis Perilaku Religiusitas Konsumen Muslim Muammar W. Maruapey; Fadli F. Malawat; Fatmah Watty Pelupessy; Afdhal Yaman; Hanifah Hanifah; Arizal Hamizar
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7639

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This study aims to analyze the influence of the Fear of Missing Out (FOMO) phenomenon on impulsive buying behavior among Muslim Gen Z in the digital era. Muslim consumers from Generation Z face a unique challenge in balancing the desire to remain socially relevant with Islamic principles that emphasize simplicity and self-control. The method used is qualitative with a case study design. Primary data were collected through in-depth interviews with Muslim Gen Z respondents in Ambon City who experience FOMO and exhibit impulsive buying tendencies. Secondary data were obtained from relevant scientific literature and other sources that support the research context. Data analysis was conducted using data reduction techniques, narrative and visual data presentation, and verification to ensure the validity of the findings. The study results indicate that FOMO plays a significant role in driving impulsive buying behavior among Muslim Gen Z, with intensity influenced by social media exposure and social norms. However, religiosity levels also influence respondents in controlling their impulsive tendencies. Respondents with higher religiosity levels tend to be more critical of consumerist impulses, although some still feel social pressure to follow trends.
Preferensi Konsumen Sektor UMKM pada Bank Umum Syariah di Kota Ambon (Pembiayaan Modal Kerja & Investasi) Afdhal Yaman; Arizal Hamizar; Muhammad Reza Nacikit; Dety Aryani Relubun; Fatmah Watty Pelupessy; Muammar W. Maruapey; Fadli Fendi Malawat; Rajab Rajab
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7642

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This study aims to understand the preferences of MSME consumers in Ambon City toward working capital and investment financing provided by Islamic Commercial Banks (BUS). Amid competition with conventional banks, BUS holds significant potential to offer financing aligned with Sharia values, though it has yet to become the primary choice for many business owners. This study identifies the factors influencing MSMEs' decisions to choose BUS, deemed relevant for the development of the MSME sector in Ambon City. The research method used is a qualitative approach involving in-depth interviews and participatory observation with MSME actors in Ambon City. Through thematic analysis, data is processed to explore perceptions, experiences, and factors influencing MSMEs' choice of Sharia financing. The results show that MSMEs' preference for BUS is driven by adherence to Sharia principles, the flexibility of profit-sharing schemes, and ease in requirements and application processes. The profit-sharing scheme implemented by BUS provides advantages in terms of flexible payments adjusted to business income, especially for businesses with fluctuating cash flows. Additionally, guidance from BUS in investment planning offers significant added value for MSMEs in long-term business development.
Preferensi Teknologi, Perencanaan dan Pengambilan Keputusan Keuangan Berdasar Literasi Keuangan Syariah Arizal Hamizar; Fatmah Watty Pelupessy; Dety Aryani Relubun; Muhammad Reza Nacikit; Afdhal Yaman; Muammar W. Maruapey; Fadli Fendi Malawat; Soenari Soenari
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7643

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This research aims to analyze the influence of Islamic financial literacy on students' financial decision-making behavior, particularly in the context of financial technology (fintech) adoption. The study focuses on understanding how students’ preferences, trust, and comprehension of Islamic financial literacy affect their decisions in using fintech services and its impacts. This research employs a qualitative approach with an exploratory method, involving in-depth interviews with students from various majors and universities in Ambon City. Data were analyzed using a thematic method, identifying and interpreting key themes such as preferences toward fintech, trust levels, and the influence of fintech on students' financial decisions in depth. The results show that students have a high preference for fintech due to factors like efficiency, convenience, and accessibility. However, trust levels in fintech are influenced by perceptions of risk and data security. Islamic financial literacy plays a significant role in shaping students’ preferences for Sharia-based fintech services. Furthermore, fintech adoption has been proven to influence students’ financial planning, particularly in encouraging more practical and efficient financial management behavior, while also presenting challenges in maintaining consistency with Sharia financial principles.
Penerapan Green Economy dalam Pengelolaan Limbah Pertanian di Ambon Hamizar, Arizal; Malawat, Fadli Fendi; Tubalawony, Jaczy; Yaman, Afdhal; Pelupessy, Fatmah Watty
Journal of Business Application Vol. 3 No. 2 (2024): Journal of Business Application
Publisher : Program Studi Administrasi Niaga STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v3.i2.p99-109

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Abstract: This study aims to analyze the application of green economy principles in agricultural waste management in Ambon City, focusing on the potential for improving farmers' welfare and its impact on environmental sustainability. The research employs a qualitative approach, utilizing depth interviews and observations with farmers in Ambon. This study involves farmers engaged in coconut, cocoa, and other agricultural practices, as well as communities that have begun implementing green economy principles in agricultural waste management. The results show that while most farmers in Ambon still rely on conventional waste management methods, a small number of farmers have successfully transformed agricultural waste into value-added products, such as compost and briquettes. This waste processing has positive impacts on both increasing farmers' income and reducing environmental impact. However, the greatest challenges faced are the lack of knowledge, training, and market access for eco-friendly products.