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Analisis Kinerja Keuangan dan Penilaian Saham PT Aneka Tambang Tbk sebagai Dasar Keputusan Investasi Iswardhani, Indri; Bando, Ushwa Dwi Masrurah Arifin; Sarah, Nulthazam; Sandira, Nur Fadilah Ayu; Nasir, Sri Astuti
Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Vol. 4 No. 1 (2025): Edisi Agustus
Publisher : Utiliti Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jeama.v4i1.256

Abstract

This study aims to analyze the financial performance and assess the fairness of the stock price of PT Aneka Tambang Tbk (ANTM) as a basis for investment decision-making. The approach used is fundamental analysis, measuring five key financial ratios: Return on Equity (ROE), Dividend Payout Ratio (DPR), Earnings per Share (EPS), Dividend per Share (DPS), and Price to Earnings Ratio (PER). In addition, the intrinsic value of the stock is estimated using the PER method and compared to the market price (closing price) to determine its valuation status—whether undervalued, fairly valued, or overvalued. The findings show that during the 2020–2024 period, ANTM recorded stable growth in EPS and DPS, along with a significantly increasing DPR policy. However, the intrinsic value of the stock in Q2 2025 is estimated at Rp1,526.24, which is considerably lower than the market price of Rp3,040, categorizing the stock as overvalued. Based on this analysis, the recommended investment decision is to re-evaluate the feasibility of purchasing ANTM shares. This study emphasizes the importance of using fundamental analysis to understand the balance between a company's financial performance and market expectations in investment decision-making.
STRES KERJA DAN MOTIVASI KERJA PENGARUHNYA TERHADAP KINERJA KARYAWAN BANK SYARIAH MANDIRI DI KOTA MAKASSAR Sahabuddin, Romansyah; Alim Rahmat, Muhammad Rijal; Ayu Sandira, Nur Fadilah
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 4 No. 6 (2024): November 2024
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v4i6.800

Abstract

This study aims to determine the effect of work stress, work motivation, and the effect of both simultaneously on the performance of Bank Syariah Mandiri employees in Makassar City. This research was conducted at the Bank Syariah Mandiri Office in Makassar City with a research unit of permanent employees aged 20-40 years with a minimum work period of 1 year and a high school educational background and a maximum of Master degree (S2). The total population is 409 employees spread across 8 branch offices and sub-branches. The method chosen to determine the sample is purposive sampling and proportional sampling method and the results obtained are 202 samples. Furthermore, data collection was carried out using questionnaire, observation, and interview methods. The research hypothesis was tested through multiple regression analysis using the SPSS program. The research shows that work stress and work motivation have a significant influence on the performance of Bank Syariah Mandiri employees in Makassar City. Unmanaged work stress can reduce productivity, loyalty, and increase employee turnover, while good work motivation tends to improve performance.
Dampak COVID-19 pada Profitabilitas Bank Buku 4: Sebuah Studi Komparatif Iswardhani, Indri; Sarah, Nulthazam; Nasir, Sri Astuti; Macenning, A. Reski Almaida Dg; Sandira, Nur Fadilah Ayu
Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Februari
Publisher : Departement of Accounting Science Faculty of Economics and Business Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69679/jian.v4i1.6507

Abstract

Penelitian ini bertujuan untuk menganalisis perbandingan profitabilitas antara bank BUMN dan bank swasta dalam kategori Buku 4 selama periode 2018-2023, dengan menyoroti dampak pandemi COVID-19 terhadap kinerja keuangan mereka. Objek penelitian meliputi tiga bank BUMN, yaitu Bank Mandiri, Bank Rakyat Indonesia (BRI), dan Bank Negara Indonesia (BNI), serta tiga bank swasta, yakni Bank Central Asia (BCA), Panin Bank, dan Bank Danamon. Kinerja keuangan dianalisis menggunakan indikator profitabilitas utama, seperti ROA (Return on Assets), ROE (Return on Equity), dan NIM (Net Interest Margin). Metode penelitian mencakup analisis data secara deskriptif untuk menggambarkan tren rasio keuangan, serta analisis komparatif menggunakan Independent T-Test untuk mengevaluasi perbedaan pertumbuhan rasioprofitabilitas antara Bank BUMN dan Bank Swasta. Hasil penelitian menunjukkan bahwa pandemi COVID-19 memberikan dampak signifikan terhadap profitabilitas seluruh bank pada tahun 2020. Namun, baik bank BUMN maupun swasta mampu menunjukkan tingkat ketahananyang seimbang dalam menghadapi tantangan tersebut.
Diversifikasi Produk Jagung sebagai Upaya Peningkatan Nilai Tambah di Desa Tarowang Jeneponto Hasdiansa, Ilma Wulansari; Hasbiah, Sitti; Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Riu, Isma Azis
Seminar Nasional Pengabdian Kepada Masyarakat SEMINAR NASIONAL 2025:PROSIDING EDISI 6
Publisher : Seminar Nasional Pengabdian Kepada Masyarakat

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

Abstract

Abstrak – Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas dan nilai tambah ekonomi petani jagung melalui sosialisasi inovasi produk olahan berbasis jagung di Desa Tarowang, Kabupaten Jeneponto. Kegiatan dilaksanakan pada 21 Juni 2025 secara terpadu di Balai Desa Tarowang, melibatkan 50 peserta yang terdiri atas petani, ibu rumah tangga, dan pemuda karang taruna. Metode pelaksanaan mencakup sosialisasi interaktif, demonstrasi pengolahan produk, dan diskusi partisipatif yang berfokus pada pemanfaatan seluruh bagian jagung, meliputi biji, rambut, dan tongkol, menjadi produk bernilai ekonomi seperti teh rambut jagung, sirup jagung, dan teh jagung panggang. Hasil kegiatan menunjukkan peningkatan pengetahuan dan kesadaran peserta terhadap diversifikasi produk olahan serta potensi pengembangan usaha mikro berbasis pertanian lokal. Kegiatan ini memberikan kontribusi nyata terhadap penguatan kapasitas masyarakat dalam pengolahan hasil pertanian secara berkelanjutan dan mendorong terciptanya model pemberdayaan desa berbasis agribisnis lokal. Rekomendasi tindak lanjut mencakup pelatihan lanjutan dan pendampingan kewirausahaan untuk memastikan keberlanjutan program di tingkat rumah tangga.Kata kunci: jagung, inovasi produk, sosialisasi, nilai tambah, pemberdayaan masyarakat
Selling Green Through Algorithms: How AI Advertising Shapes Eco-Conscious Consumers Nur Fadilah Ayu Sandira
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.917

Abstract

This study examines the influence of AI advertising exposure, green message credibility, and digital engagement on eco-conscious consumer behavior in Indonesia. Using a quantitative approach with a survey design, data were collected from 170 active social media users who had interacted with digital advertisements containing sustainability messages and purchased environmentally friendly products online. Data analysis employed multiple linear regression using SPSS. The findings reveal that AI advertising exposure, green message credibility, and digital engagement each have a significant and positive effect on eco-conscious consumer behavior, both partially and simultaneously. The results indicate that artificial intelligence serves not merely as a promotional instrument but as a bridge connecting ecological awareness with sustainable consumption. Digital engagement emerges as the strongest predictor, demonstrating that consumers who interact more actively with green content tend to exhibit higher levels of sustainable behavioral commitment. The study contributes to the theoretical development of AI driven marketing by integrating technological personalization with ethical and participatory dimensions of sustainability communication. Practically, the findings suggest that marketers must balance algorithmic efficiency with message credibility and ethical transparency to ensure that AI-driven campaigns do not merely promote green products but cultivate long term ecological awareness and consumer trust.
Selling Green Through Algorithms: How AI Advertising Shapes Eco-Conscious Consumers Nur Fadilah Ayu Sandira
International Journal of Education Management and Religion Vol. 3 No. 1 (2026): January 2026
Publisher : Pondok pesantren As-salafiyah As-Safi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/ijemr.v3i1.916

Abstract

This study examines the influence of AI advertising exposure, green message credibility, and digital engagement on eco-conscious consumer behavior in Indonesia. Using a quantitative approach with a survey design, data were collected from 170 active social media users who had interacted with digital advertisements containing sustainability messages and purchased environmentally friendly products online. Data analysis employed multiple linear regression using SPSS. The findings reveal that AI advertising exposure, green message credibility, and digital engagement each have a significant and positive effect on eco-conscious consumer behavior, both partially and simultaneously. The results indicate that artificial intelligence serves not merely as a promotional instrument but as a bridge connecting ecological awareness with sustainable consumption. Digital engagement emerges as the strongest predictor, demonstrating that consumers who interact more actively with green content tend to exhibit higher levels of sustainable behavioral commitment. The study contributes to the theoretical development of AI driven marketing by integrating technological personalization with ethical and participatory dimensions of sustainability communication. Practically, the findings suggest that marketers must balance algorithmic efficiency with message credibility and ethical transparency to ensure that AI-driven campaigns do not merely promote green products but cultivate long term ecological awareness and consumer trust.
Green Human Resource Management dalam Literatur 2021–2025: Analisis Bibliometrik dan Sintesis Tematik Iswardhani, Indri; Nasir, Sri Astuti; Sandira, Nur Fadilah Ayu
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 6 No 1 (2026): Edisi Januari 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v6i1.2408

Abstract

This study aims to provide a comprehensive overview of the development of Green Human Resource Management (Green HRM) research during the 2021–2025 period, while identifying dominant practices, industrial contexts, methodological trends, and research gaps emerging in recent literature. This work employs a Systematic Literature Review (SLR) approach guided by the PRISMA 2020 protocol and structured using the PICOC framework to clarify the analytical boundaries. A systematic search conducted through the Scopus database generated an initial dataset of 200 articles, which was later screened using inclusion–exclusion criteria, resulting in 93 eligible articles for in-depth analysis. The analysis was carried out through two complementary approaches: bibliometric analysis to map publication characteristics and thematic synthesis to identify substantive patterns in GHRM practices, variable relationships, and organizational settings. The findings indicate a significant increase in Green HRM publications during the review period, with a strong predominance of studies originating from Asian countries and service-related industries such as hospitality, banking, healthcare, and manufacturing. The most frequently examined GHRM practices include green training and development, green recruitment and selection, green rewards, and green performance appraisal. Methodologically, more than 70% of the reviewed studies adopt quantitative survey-based approaches using SEM/PLS, while qualitative and mixed-method studies remain limited. Several research gaps were identified, including the lack of longitudinal designs, the dominance of single-country contexts in developing nations, limited exploration of nontraditional industrial sectors, and the need to examine more diverse mediating and moderating mechanisms. These findings provide a strong foundation for shaping a more comprehensive and sustainable future research agenda on Green HRM.
Penguatan Kapasitas Mahasiswa dalam Meningkatkan Kesadaran Hak Asasi Manusia di Era Digital M. Yunasri Ridhoh; Sri Astuti Nasir; Indri Iswardhani; Nur Fadilah Ayu Sandira; Nulthazam Sarah
Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia Vol. 3 No. 1 (2026): February: Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia
Publisher : Asosiasi Riset Ilmu Tanaman Dan Hewan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/manfaat.v3i1.559

Abstract

The rapid development of digital technology has brought significant changes to social life, particularly among university students as an educated group and agents of change. On the one hand, digital spaces provide opportunities for freedom of expression and public participation; on the other hand, they also present various challenges related to Human Rights (HR), such as privacy violations, the spread of hate speech, disinformation, and cyberbullying. These conditions highlight the importance of strengthening students’ capacity to ensure they possess adequate understanding and awareness of human rights values in the digital era. This community service article aims to enhance students’ human rights awareness through capacity-building activities conducted within the university environment. The service method was implemented through educational activities in the form of seminars, material presentations, and interactive discussions addressing fundamental human rights concepts, digital ethics, privacy protection, and responsible freedom of expression.The results of the activities indicate an increase in students’ understanding and awareness of human rights issues in the digital era, as well as the development of more critical and ethical attitudes in utilizing digital spaces. This initiative also strengthened the synergy between higher education institutions and the government in promoting human rights awareness among students. Overall, this community service activity makes a positive contribution to strengthening students’ capacity to face human rights challenges in the digital era.
Penguatan Wawasan Kebangsaan dan Soft Skill Mahasiswa ADik melalui Pendampingan Partisipatif Reflektif M. Yunasri Ridhoh; Nur Fadilah Ayu Sandira; Indri Iswardhani; Nulthazam Sarah; Sri Astuti Nasir
Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia Vol. 3 No. 1 (2026): February: Manfaat : Jurnal Pengabdian Pada Masyarakat Indonesia
Publisher : Asosiasi Riset Ilmu Tanaman Dan Hewan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/manfaat.v3i1.560

Abstract

This community service program aimed to strengthen national insight and soft skills among ADik scholarship students through a participatory and reflective mentoring approach. Many students come from underdeveloped, frontier, and outermost regions with diverse socio-cultural backgrounds, requiring contextual guidance to internalize national values and develop essential interpersonal competencies. The program combined interactive socialization, group discussions, and value reflection activities to encourage active participation and personal engagement. The method emphasized dialogic learning rather than one-way lectures, allowing students to relate national values to their lived experiences. The findings revealed noticeable behavioral changes, including increased confidence in expressing opinions, stronger participation in discussions, improved communication skills, and heightened awareness of ethical conduct and financial responsibility as scholarship recipients. The emergence of several students as informal local leaders during discussions indicated early signs of social transformation at the individual level. This program demonstrates that reflective and participatory mentoring can effectively foster character building, leadership, and contextual national awareness among university students. The implications suggest that similar approaches can be adopted in student development programs to promote sustainable character formation, especially for students from diverse and remote regions.
Transformasi Digital Layanan Gadai Emas: Pengalaman Konsumen dalam Inovasi Layanan Berbasis Aplikasi Tring! by Pegadaian Sandira, Nur Fadilah Ayu; Sarah, Nulthazam; Iswardhani, Indri; Nasir, Sri Astuti; Oktariani, Andi Rinda
Jurnal Online Manajemen ELPEI Vol 6 No 1 (2026)
Publisher : STIM-LPI Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58191/jomel.v6i1.481

Abstract

This study provides a deeper understanding of how digitalization and service innovation within traditional service institutions are interpreted and experienced by consumers, particularly in the context of gold pawn services through the Tring! by Pegadaian application. The findings indicate that Pegadaian’s digital transformation is not solely oriented toward process efficiency but significantly shapes a service experience that is more convenient, secure, and flexible for users. Perceived ease of use emerges as the most dominant factor in forming a positive consumer experience. A simple interface, clear transaction flow, and the ability to conduct transactions without physical presence enhance perceptions of efficiency and service convenience. These results confirm that the success of digital service innovation largely depends on the extent to which technology aligns with users’ capabilities and needs, rather than merely on system sophistication. Beyond usability, institutional trust plays a central role in the adoption of digital gold pawn services. Pegadaian’s reputation as a state-owned enterprise, the assurance of physical gold availability through a 1:1 system, and data security protections significantly reduce consumers’ psychological risk when engaging in high-value asset-based digital services. This finding suggests that digital transformation in traditional financial services requires a strong foundation of trust to achieve broad acceptance. The study also emphasizes that digitalization does not fully replace conventional services; instead, it fosters a hybrid service model integrating digital and face-to-face channels. This model enables service flexibility while maintaining inclusivity, particularly for consumers with varying levels of digital literacy. Thus, digital innovation functions as a strategic complement that enriches the service ecosystem rather than serving as a complete substitute for physical interaction. Overall, this research contributes to the development of service innovation and consumer experience literature by providing qualitative empirical evidence from a traditional service sector undergoing digital transformation. The findings underscore that the primary value of digitalization lies in consumers’ subjective experiences and in the organization’s ability to continuously align technology, trust, and integrated service channels.