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Pengaruh Rasio Likuiditas, Solvabilitas, Profitabilitas Terhadap Kinerja Keuangan (Studi Empiris Pada Perusahaan Bank Konvensional Yang Terdaftar di Bursa Efek Indonesia Periode 2018- 2021) Sri Tyas Listia; Budi Wahono; Ety Saraswati
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 12 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract This study was conducted with the aim of analyzing the effect of Liquidity Ratio with Current Ratio (CR) analysis, Solvency Ratio with Debt Ratio (DR) analysis, and Profitability Ratio with Return On Equity (ROE) analysis on Financial Performance. The population used in this study is banking sector companies, which were listed on the Indonesia Stock Exchange (IDX) during the 2018-2021 period. Sample selection using Purposive Sampling technique. This study used multiple linear regression analysis with hypothesis testing using the t test. The results of this study show that the Liquidity (CR) variable has a significant effect on financial performance. Solvency (DR) has a significant effect on financial performance. And Profitability (ROE) has an insignificant effect on financial performance.   Keywords: Liquidity, Solvency, Profitability and Financial Performance. 
Pengaruh Literasi Keuangan, Gaya hidup Hedon, Dan Tingkat Pendapatan Terhadap Perilaku Manajemen Keuangan Generasi Milenial Aldrian Saputra; Jeni Susyanti; Ety Saraswati
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 12 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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AbstractThe purpose of this study is to find out and analyze Financial Literacy, Hedon Lifestyle and Income Level on Millennial Generation's Financial Management Behavior. This research is a descriptive quantitative research with data collection technique using a questionnaire. The sample in this study amounted to 114 respondents. The place of this research is the millennial generation in the Klojen area, Malang City. The sampling technique used is purposive sampling method. Processing of primary data using analysis of Statistical Package for Social Science (SPSS) version 25. Techniques with multiple regression analysis method. The results of this study indicate that partially each independent variable has a positive and significant effect on financial management behavior. Keywords : financial literacy, hedon lifestyle, income level and financial management behavior 
Pengaruh Life Style, Brand Image, Dan Word Of Mouth Terhadap Keputusan Pembelian Smartphone Samsung (Studi Pada Mahasiswa S1 FEB Angkatan 2019) Nur Fatimah; Muhammad Ridwan Basalamah; Ety Saraswati
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 12 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract This study aims to determine the effect of lifestyle, brand image, and word of mouth on purchasing decisions for Samsung smartphones (a case study on FEB students class of 2019). This research used a descriptive quantitative method using primary data obtained by distributing questionnaires and measured using a Likert scale. The population in this study were FEB students class of 2019. The sample calculation in this study used the slovin formula which produced 90 respondents. The method of determining the sample is purposive sampling. The data analysis method used is instrument test: validity and reliability test, normality test, classic assumption test: multicollinearity test and heteroscedasticity test, multiple linear regression analysis, hypothesis testing: partial test and coefficient of determination. Partial research results show that life style has a significant effect on purchasing decisions, brand image has a significant effect on purchasing decisions, and word of mouth has a significant effect on purchasing decisions. Keywords: Life Syle, Brand Image, Word of Mouth, and Purchase Decision
Manajemen Strategi Dalam Pengembangan Bisnis Jasa Angkut Barang Di PT. Berkat Laut Indonesia Jaya Alfin Aulia Rahman; Achmad Agus Priyono; Ety Saraswati
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 12 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract The competition in the expedition industry is becoming increasingly intense, necessitating businesses to formulate effective business development strategies to ensure their survival. The research aims to elucidate the impact of strategic management on the expansion of cargo transport services and conduct a SWOT analysis of the Business Development Strategy for Cargo Transport Services at PT. Berkat Laut Indonesia Jaya. The study's findings indicate that proficient strategic management at PT. Berkat Laut Indonesia Jaya aids in the progression of cargo transport services. The company can optimize marketing through customer analysis, enhance operational efficiency to meet growing demands, and reinforce existing financial and operational aspects. Within the framework of the SWOT strategy analysis, this approach empowers the company to capitalize on opportunities within the transportation industry and mitigate challenges such as market competition and price fluctuations. As a result, PT. Berkat Laut Indonesia Jaya can achieve sustainable growth in the cargo transport business along sea routes, focusing on a strategic amalgamation of internal and external factors. Keywords: Management, Business Development Strategy, Cargo Transport Services
The Covid Pandemic Testing the Resilience of the United States, China and Indonesia Capital Markets Achmad Agus Priyono; Ety Saraswati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economic: January, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1782

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There are two main factors that influence the rise and fall of the index, namely internal factors and external factors. The external factor currently experiencing volatility in the stock market is the coronavirus outbreak. Where the presence of the Coronavirus on this earth has caused panic in various parts of the world. The epidemic attacks various levels of society, especially for those who have congenital diseases. This study aims to analyze the resilience of the capital markets in the United States, China and Indonesia in the 60 days before and after the positive confirmation of COVID-19 in each country. The variable of capital market resilience in the United States is used as a proxy for the DJI index, while the resilience of the capital market in China is used as a proxy for the SSEC index, while the resilience of the capital market in Indonesia is used as a proxy for the IDX index. The paper tries to determine whether there are differences in the resilience of the capital market before and before the covid outbreak in the American, Chinese and Indonesian capital markets. The results of the study prove that the Covid outbreak has had a very bad impact on the stock markets of Indonesia and the United States. The tool on the test used to prove that there is a difference in resilience in the capital markets in Indonesia and the United States in the 60 days before and after being confirmed positive for Covid. Meanwhile, in the capital market in China, it was found that there was no difference in the resilience of the capital market in the 60 days before and before being confirmed positive for Covid. This condition proves the country's success in handling and controlling the covid outbreak.
Financial Performance and Inflation’s Effects on Indonesia’s National Private Commercial Banks’ Return on Assets Abdul Qodir Djaelani; Ety Saraswati; Achmad Agus Priyono; Ari Kartiko
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3373

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This research was conducted to investigate the effect of financial performance as represented by Loan Deposit Ratio (LDR), Non-Performing Loans (NPL), and Net Interest Margin (NIM), as well as Inflation on profitability at National Private Commercial Banks listed on the Indonesia Stock Exchange (IDX). This research adopts a quantitative approach with empirical analysis using panel data from 2017 to 2021. The sampling method uses purposive sampling, with 23 banks selected as samples. Data analysis was performed using the panel data regression method through Eviews software. The panel data estimation showed a significant influence between the Loan Funding Ratio (LFR) and Inflation variables on the Return on Assets (ROA) of national private commercial banks in Indonesia in 2017-2021. These findings provide a solid empirical basis for providing better financial policy recommendations to these banks in the future.
Pengaruh Brand Image, Green Marketing Strategy Dan Emotional Desire Terhadap Keputusan Pembelian Produk Kopi Studio 24 Febryansyah, Dany; Susyanti, Jeni; Saraswati, Ety
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 13 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract The café business in Indonesia is rapidly growing and holds significant potential despite intense competition, due to the increasing interest in coffee. This study aims to examine and analyze the influence of brand image, green marketing strategy, and emotional desire on purchasing decisions for Kopi Studio 24 products. The research approach used is quantitative, with data collection through questionnaires. The population in this study consists of consumers who have visited Kopi Studio 24 Sigura-Gura. The sample was calculated using the Malhotra formula, resulting in 70 respondents selected through purposive sampling. The data analysis methods include validity, reliability, normality, multicollinearity, heteroscedasticity tests, multiple regression analysis, F-test, t-test, and coefficient of determination. Partially, brand image, green marketing strategy, and emotional desire have a positive and significant impact on purchasing decisions for Kopi Studio 24 products. The contribution of the independent variables to the dependent variable is 75.4%, while the remaining 24.6% is influenced by other variables outside the research model. Keywords: Brand Image, Green Marketing Strategy, Emotional Desire,Purchasing Decisions, Kopi Studio 24
Pengaruh Literasi Pemasaran, Sertifikasi Halal Self Declare Terhadap Keberhasilan Usaha Mikro Kecil Menengah Melalui Entepreneur Knowledge Romadhon, Gilang; Susyanti, Jeni; Saraswati, Ety
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 13 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract The purpose of this study was to determine the effect of marketing literacy, self declare halal certification on the success of MSMEs through entrepreneur. The population of this study were culinary subsector MSMEs in Malang City with a sample of 80 respondents. This research uses quantitative methods with Smart Partial Least Square path analysis techniques, analyzed using the SmartPLS version 4.0 application. The results of this study indicate that: (1) marketing literacy has no effect on business success, (2) marketing literacy affects entrepreneur knowledge, (3) self declare halal certification affects business success, (4) self declare halal certification has no effect on entrepreneur knowledge, (5) entrepreneur knowledge has no effect on business success, (6) entrepreneur knowledge is not proven to mediate the effect of marketing literacy on business success, and (7) entrepreneur knowledge is not proven to mediate the effect of self declare halal certification on business success. Keywords: Marketing Literacy; Self Declare Halal Certification; Entepreneur Knowledge; Business Success; MSMEs
Pengaruh Marketing Strategy, Sistem Informasi Geografis dan Digitalisasi Terhadap Peningkatan Daya Saing (Studi pada Kedai ONOFF) Abdillah, Achmad Fikri Abil; Susyanti, Jeni; Saraswati, Ety
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 13 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract This research aims to analyze the influence of marketing strategies, geographic information systems (GIS), and digitalization in enhancing business competitiveness, with a case study on the OnOff store. Effective marketing strategies, such as product positioning, pricing, promotion, and distribution channels, play a crucial role in attracting and retaining customers and driving business growth. The implementation of GIS enables businesses to gain spatial insights, optimize operations, conduct market segmentation, and allocate resources efficiently, which can enhance competitiveness. Digitalization has also become an important factor in today's business landscape, where companies must continually adapt their strategies to maintain a competitive advantage. Keywords: Marketing Strategy, Geographic System Information, Digitalization, and Enhancement of Competitiveness
Pengaruh Kualitas Produk, Harga, Lokasi, Dan Electronic Word Of Mouth Terhadap Keputusan Pembelian Buah Salak (Studi Kasus Pada RJ FRUITS Kecamatan Pronojiwo) Rizal, Syarif Ali; Arifin, Rois; Saraswati, Ety
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 13 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract This research aims to analyze and describe the influence of product quality, price, location, electronic word of mouth on purchasing decisions for salak fruit (case study at RJ FRUITS, Pronojiwo District). The population in this research are consumers who have purchased at RJ FRUITS, Pronojiwo District. Determining the number of samples used the Malhotra formula and obtained results of 105 respondents. Data collection was carried out using a questionnaire. To solve the problem in this research using SPSS assistance with the analytical methods used in this research are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression analysis, F test, t test, coefficient of determination test (R2) . The research results show that product quality and location have a significant effect on purchasing decisions, while price and electronic word of mouth do not have a significant effect on purchasing decisions. Keywords: Purchasing Decisions, Product Quality, Price, Location, Electronic  Word Of Mouth.
Co-Authors Abdillah, Achmad Fikri Abil Abdul Qodir Djaelani Achmad Agus Prioyono Achmad Agus Priyono Afi Racmat Slamet Agustina, Iin Ahmad Azmil Marrom Ahmad Muhayan Arif Ahmad Rifai Aisyah Wulandari Akbar, M. Ananda Fajar Akhmad Azhar Khurri Aldrian Saputra Aleria Irma Hatneny Alfi Nur Mufida Alfin Aulia Rahman Alma Tika Agustin Amalyani, Meifiana Andi Normala Dewi Andi Normaladewi Aprilia Dyah Wulandari Ari Kartiko Assagaf, Nurul Syifa Aulia Sukma Rachmawati Bagus Prasetyo Basalamah, Muhammad Ridwan Bellanti, Silvan Brian Inggrid Alvandy Budi Wahono Chamid Alif, A’an Abdul Citra Damayani Prayogiyanto Citra Nurul Hidayati Deni Irfa Yanti Dimas, Moh Fahrezi Fajjar Mustofa Fasahri, Nuril Ramadhan Fa’jiah, Cholifatul Febryansyah, Dany Ferlian Ramadhan Gilang Romadhon Hadi Sunaryo Hariri, Hariri Hariri, Hariri Hatneny, Aleria Irma Hendri Kurniawan, Hendri Iin Cahyaningsih Ilham Febriansyah Isma, Viona Aulia Isnaini Firdayanti Ita Athia Izza, Nikmatul Jeni Susyanti Jumani Jumani Kartika Rose Rachmadi Ketut Tirtayasa M. Agus Salim M. Agus Salim Al Fathoni M. Hufron Mahardani, Ahmad Subhan Malinda, Elsa Masriyani Masriyani Mas’udah, Nia Arifiana Maulana, Muhammad Naufal Aulia Mawardi, Muhammad Cholid Moh. Fathur Rozi Moh. Fathur Rozi MUHAMMAD AGUS SALIM Muhammad Fadil Muhammad Muslihul Hadi N. Rachma nanang tri haryoko Nanda Sasqia Zahro Niken Cahyani Agungtya Nindya Cahyaningrum Novitasari Novitasari Nur Diana Khalidah Nur Faidah Nur Fatimah Nur Halimatus Sa’diyah Nur Hidayati Nur Hidayati Nuratul Amaliah Nurhidayah Nurhidayah Nurmala Yunita Nurul Qomariah Priyambudi, Arif Putri Ekawati Ratma Ana Tasya Reza Audia W.A Rizal, Syarif Ali Rois Arifin Ronny Malavia Mardani Ronny Malavia Mardani Safira, Annisa Ayu Safrillia, Dea Sanjaya, Anggun Sri Tyas Listia Sujarwo, Revi Moury Putri Taufiqulhakum, M Fadhila Ubaydillah, Awaluddin Ulya, Arifah Izzatul Vachriyanti, Asma’ul Noer Vika Septirini Wahyuningtyas, Novianur Widarko, Agus Windy Tri Yuniar Wulan, Aisyah Dwi Fajar Yasmin, Raisya A Yulianti, Nur Afni Zuhri, Haszaghi Ramadhan