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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis EQIEN - JURNAL EKONOMI DAN BISNIS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Bisnis dan Manajemen (JBM) Jurnal Manajemen Eduvest - Journal of Universal Studies Jurnal Ilmiah Sultan Agung Jurnal Bakti Masyarakat Manajemen Journal of Innovative and Creativity Indonesian Journal of Community Empowerment Vitalitas Medis : Jurnal Kesehatan Dan Kedokteran Green Inflation: International Journal of Management And Strategic Business Leadership International Journal of Management, Economic and Accounting Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Konsisten Welfare: Jurnal Pengabdian Masyarakat International Journal of Multidisciplinary Reseach
Muhammad Irfan Pratama
Universitas Malahayati
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Nursing Public Health Social Sciences Other

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Analisis Dampak Market Risk Terhadap Sukuk Syariah di Indonesia Muhammad Irfan Pratama; Anita Anita; Harold Kevin Alfredo; Hiro Sejati
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.6182

Abstract

Sukuk, or Islamic bonds, have experienced significant growth in Indonesia over the period 2020 to 2025. This financial instrument not only serves as a financing alternative for the government and corporations, but also as a catalyst for the development of the Islamic finance industry in the country. The Indonesian government has consistently increased the issuance of State Sukuk to finance various development projects. In 2020, the issuance of State Sukuk reached its peak with a total of IDR 367 trillion. This study aims to analyze the effect of inflation, interest rates and exchange rates on Islamic sukuk in Indonesia from 2010 - 2024. This study uses multiple regression analysis and classical assumption tests. It was found that inflation and interest rate variables have no influence on sukuk variables, while exchange rate variables have a positive and significant influence on sukuk variables. The findings are expected to provide important implications for policy makers and investors in formulating investment strategies and sharia-based fiscal policies.
The Influence of Cash, Cash Equivalents, Marketable Securities, and Financing on Liquid Assets at Bank Lampung Kamelia; Erna Listyaningsih; Muhammad Irfan Pratama
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/dvn4s007

Abstract

This study aims to analyze the effect of cash, cash equivalents, marketable securities, and financing on liquidity assets at Bank Lampung. Liquidity is a crucial aspect in maintaining bank operational stability and the ability to meet short-term obligations. The data used in this study are monthly time series data obtained from Bank Lampung’s financial statements during the period 2020–2024. The analytical method employed is multiple linear regression using EViews software. Prior to hypothesis testing, the data were examined through stationarity tests and classical assumption tests, including normality, multicollinearity, heteroskedasticity, and autocorrelation tests. The results indicate that partially, cash, cash equivalents, marketable securities, and financing have an effect on liquidity assets. Simultaneously, all independent variables have a significant effect on the liquidity assets of Bank Lampung. These findings highlight the importance of proper asset composition management in maintaining bank liquidity. This study is expected to provide useful insights for Bank Lampung’s management in formulating effective liquidity asset management policies.
The Influence of Cash Flow Management, Product Planning, and Financial Technology Adoption on the Financial Performance of MSMEs in Bandar Lampung City Serly Setiyani; Lestari Wuryanti; Muhammad Irfan Pratama
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/88wfat83

Abstract

This study aims to analyze the influence of cash flow management, product planning, and financial technology adoption on the financial performance of Culinary MSMEs in Bandar Lampung City. This study uses a quantitative approach with a survey method. Data was collected through questionnaires distributed to Culinary MSME actors and analyzed using multiple linear regression analysis with the help of the SPSS program. The results of the study show that partially cash flow management, product planning, and the adoption of financial technology have a positive and significant effect on the financial performance of Culinary MSMEs. Simultaneously, the three independent variables also have a significant effect on the financial performance of Culinary MSMEs. The results of the determination test showed that cash flow management, product planning, and financial technology adoption were able to explain the variation in the financial performance of Culinary MSMEs by 77.4%, while the rest was influenced by other factors outside of this study. The results of this study are expected to be a consideration for Culinary MSME actors in improving financial performance through good cash flow management, proper product planning, and optimal use of financial technology.
The Influence of Digital Financial Inclusion, Access to Finance, and Financial Management on the Financial Performance of Micro, Small, and Medium Enterprises (MSMEs) in the Retail Sector in Bandar Lampung City Septi Wahyuni; Lestari Wuryanti; Muhammad Irfan Pratama
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/txyv0k25

Abstract

This study aims to analyze the influence of digital financial inclusion, access to financing, and financial management on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in the trade (retail) sector in Bandar Lampung City. MSMEs have a strategic role in the economy, but still face various challenges, especially in the use of digital financial technology, limited access to formal financing, and low systematic financial management practices. This research uses a quantitative approach with descriptive and verifiable methods. Data was collected through the distribution of questionnaires to retail MSME actors in Bandar Lampung using purposive sampling techniques. Data analysis was carried out using validity tests, reliability tests, classical assumption tests, and multiple linear regressions with t-test, F test, and determination coefficient (R²). The results of the study show that digital financial inclusion, access to financing, and financial management have a positive and significant effect on the financial performance of MSMEs, respectively. Simultaneously, these three variables also have a significant effect on the financial performance of retail MSMEs in Bandar Lampung City. These findings emphasize the importance of increasing digital financial literacy, easy access to financing, and implementing good financial management to improve the sustainability and competitiveness of MSMEs.
Employer Branding, Corporate Social Responsibility and Students’ Intention to Apply for the Ministry of Manpower Internship Program: The Mediating Role of Corporate Reputation Putri Octania Utami; Febrianty Febrianty; Muhammad Irfan Pratama
Green Inflation: International Journal of Management and Strategic Business Leadership Vol. 3 No. 2 (2026): May: Green Inflation: International Journal of Management and Strategic Busines
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/greeninflation.v3i2.716

Abstract

This study examines students’ intention to apply for the Ministry of Manpower Internship Program by analyzing the role of employer branding, corporate social responsibility, and corporate reputation. The research was conducted among university students in Bandar Lampung because internship programs have become an important bridge between higher education and employment readiness. The main problem addressed in this study is how organizational attractiveness and social responsibility influence students’ application intention, both directly and indirectly through corporate reputation. This study used a quantitative survey design with purposive sampling. Data were collected using a structured questionnaire measured with a five-point Likert scale and analyzed using Structural Equation Modeling–Partial Least Squares with SmartPLS 4.0. The findings show that employer branding significantly affects students’ intention to apply and corporate reputation. Corporate social responsibility also significantly affects intention to apply and corporate reputation. In addition, corporate reputation significantly affects intention to apply. The mediation results indicate that corporate reputation mediates the effect of employer branding on intention to apply, but does not mediate the effect of corporate social responsibility on intention to apply. These findings suggest that employer branding and corporate reputation are key factors in increasing students’ interest in internship programs, while CSR should be communicated more directly in relation to student development and internship benefits.
THE EFFECT OF GOLD PRICES, EXCHANGE RATES, AND COMPANY EARNINGS ON STOCK PRICES IN AUTOMOTIVE AND COMPONENT SECTOR COMPANIES WITH INFLATION AS A MEDIATING VARIABLE Sella Agustin; Lestari Wuryanti; Muhammad Irfan Pratama
International Journal of Management, Economic and Accounting Vol. 4 No. 3 (2026): June 2026
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/ws455k43

Abstract

This study aims to examine the influence of gold prices, exchange rates, and company earnings on stock prices in automotive and component sector companies with inflation as a mediating variable during the 2020–2024 period. This study uses a quantitative approach. The research population is automotive and component sector companies listed on the Indonesia Stock Exchange (IDX). The sampling technique used the purposive sampling method so that 8 companies were obtained as research samples. The analysis method used was panel data regression with the help of EViews12 software. The results of the study show that the price of gold does not have a significant effect on the stock price, the exchange rate has a significant effect on the stock price, while the company's income does not have a significant effect on the stock price. In addition, inflation has been shown to have a significant effect on stock prices. However, based on the results of mediation analysis and sobel tests, inflation has not been proven to play a mediating variable in the relationship between gold prices, exchange rates, and company earnings to company stock prices in the automotive and component sectors. These findings show that stock price movements in the automotive and component sectors are more influenced by macroeconomic factors directly, especially exchange rates and inflation, than through indirect influence mechanisms.
THE IMPACT OF EXCHANGE RATE, VOLATILITY INDEX (VIX), AND JAKARTA COMPOSITE INDEX (JCI) ON BANKING STOCK RETURNS IN THE INDONESIA STOCK EXCHANGE Syafrina Nabila; Erna Listyaningsih; Muhammad Irfan Pratama
International Journal of Management, Economic and Accounting Vol. 4 No. 3 (2026): June 2026
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/k9mbtf08

Abstract

This study investigates the impact of macroeconomic and global indicators—specifically the exchange rate, Volatility Index (VIX), and Jakarta Composite Index (JCI)—on banking stock returns in the Indonesia Stock Exchange (IDX). Utilizing a quantitative approach, this research employs a balanced panel data regression method, specifically identifying the Common Effect Model (CEM) as the most appropriate estimation technique. The sample consists of 60 observations derived from 15 consistently listed banking companies over the 2021–2024 period, using secondary data sourced from the IDX, Bank Indonesia, and the Chicago Board Options Exchange (CBOE).The empirical results demonstrate that both the exchange rate and the VIX have a significant negative effect on banking stock returns, indicating that Rupiah depreciation against the US Dollar and heightened global market volatility lower investor confidence and suppress stock performance. Conversely, the JCI exhibits a significant positive impact, reflecting that an optimistic domestic stock market environment significantly enhances banking stock returns. Furthermore, the analysis proves that the exchange rate, VIX, and JCI simultaneously exert a significant influence on banking stock returns, collectively explaining 59.55% of the variance in the dependent variable. These findings underscore that banking sector performance is deeply intertwined with a combination of domestic macroeconomic conditions and global capital market dynamics, providing essential insights for investors in optimizing their portfolios and for banking institutions in enhancing risk management strategies.
Should Investors Choose ESG? Empirical Evidence of The Shiller P/E Ratio Harold Kevin Alfredo; Anita Anita; Muhammad Irfan Pratama
Eduvest - Journal of Universal Studies Vol. 4 No. 10 (2024): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v4i10.38820

Abstract

This study investigates the CAPE Ratio values of stock issuers in the LQ-45 Index compared to those in the ESG Leaders Index, employing a quantitative approach to assess whether the ESG Leaders Index yields higher returns. The findings reveal that most issuers in both indices are undervalued relative to the LQ-45 Index, indicating potential for future returns. However, the LQ-45 Index has a greater number of overvalued issuers than the ESG Leaders Index. Notably, the study acknowledges limitations, including a lack of exploration into the relationship between the CAPE Ratio and non-financial factors such as ESG scores, and a narrow focus on Indonesian indices without comparative analysis with foreign indices. Future research is recommended to explore these relationships, apply the CAPE Ratio across specific sectors, and compare Indonesia's ESG Index with those in Southeast Asia, thereby enriching understanding of valuation dynamics in relation to ESG factors.
MENJEMBATANI KESENJANGAN DIGITAL: PERAN MEDIASI LITERASI DIGITAL TERHADAP ADOPSI E-COMMERCE DAN KINERJA KEUANGAN UMKM DI KOTA-KOTA TIER-2 INDONESIA Ayyumi Khusnul Khotimah; Muhammad Irfan Pratama; Lestari Wuryanti
Jurnal Bisnis dan Manajemen (JBM) JBM Vol 22 (2026): Issue 2
Publisher : Faculty of Economics and Business University of Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jbm.v2i2.4744

Abstract

Penelitian ini mengkaji fenomena "paradoks produktivitas digital" pada UMKM di Bandar Lampung, sebuah kota Tier-2. Penelitian ini bertujuan untuk menganalisis pengaruh adopsi e-commerce dan literasi digital terhadap kinerja keuangan. Menggunakan metode purposive sampling, data dikumpulkan dari 214 pemilik/manajer UMKM dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Temuan menunjukkan lanskap transaksi yang unik di mana Cash on Delivery (COD) tetap menjadi metode pembayaran dominan (78%) akibat adanya celah kepercayaan (trust gap). Hasil statistik menunjukkan bahwa meskipun adopsi e-commerce berpengaruh positif terhadap kinerja keuangan β = 0,215 dampak langsungnya tergolong marginal. Secara signifikan, literasi digital bertindak sebagai mediator kuat yang memperkuat hubungan antara adopsi e-commerce dan kinerja keuangan β = 0,580. Hal ini mengonfirmasi bahwa sekadar eksistensi di platform tidaklah cukup; kapabilitas digital internal adalah penggerak utama penciptaan kekayaan. Penelitian ini mengimplikasikan bahwa UMKM harus bertransisi dari adopsi pasif menuju kompetensi digital strategis untuk mengoptimalkan arus kas (cash flow) dan keunggulan kompetitif.
Gerakan Literasi Keuangan Syariah Mengedukasi Masyarakat Dalam Memahami Produk Keuangan Anita Anita; Muhammad Irfan Pratama; Harold Kevin Alfredo
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.5963

Abstract

The Shari'ah financial literacy movement is a strategic effort to support the government in educating the public to understand Islamic financial products. Islamic financial products have three pillars, among others, Promoting education programs and national financial literacy campaigns, Strengthening financial literacy infrastructure. With the rapid sharia industry sector and the sizeable Muslim population in Indonesia, it has an impact on the importance of Islamic Financial Literacy to introduce Islamic financial products to the public. This study uses the Library Review method by exploring various reports and journals that are available to obtain information regarding the background of the problem. The purpose of this study was to determine the effectiveness of the Islamic financial literacy movement that has been carried out by the Financial Services Authority (OJK) and other Financial Institutions to find the right solution for the acceleration of Islamic Financial Literacy.
Co-Authors Afit Afrizal Afredo, Harold Kevin Anita Anita Anita Anita Anita Anita Anita Ayyumi Khusnul Khotimah Erna Listyaningsih Euis Mufahamah Febrianty Febrianty, Febrianty Firdaus, Muhammad Aufa Harold Kevin Alfredo Hiro Sejati Hiro Sejati Kamelia Khotimah, Ayyumi Khusnul Lestari Wuryanti Lestari Wuryanti M. Yogi Riyantama Isjoni Mohammad Athian Manan Mohammad Reza Muhammad Muhammad Noverial Noverial Noverika Windasari Nur Afrainin Syah Pratama, Reza Hardian Putri Octania Utami Putri Rahmadani Rahyono Rahyono Rika Susanti Rizki Agung Wibowo Samosir, Amril Sejati, Hiro Sella Agustin Septi Wahyuni Serly Setiyani Syafrina Nabila