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All Journal Business Innovation and Entrepreneurship Journal juremi: jurnal riset ekonomi (JIMBE) META - JOURNAL
Raisa Dea Fitrasari
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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URGENSI LITERASI KEUANGAN SYARIAH BAGI IBU RUMAH TANGGA DI ERA DIGITAL Raisa Dea Fitrasari; Zakiyatul Amaliyah; Ruslan Abdul Gani; Rachman Hadi
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 1: Juli 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/juremi.v5i1.10981

Abstract

Transformasi digital telah membawa perubahan yang signifikan dalam perilaku keuangan masyarakat, termasuk keluarga. Ibu rumah tangga sebagai manajer keuangan keluarga tentunya memiliki peran penting dalam stabilitas finansial rumah tangga, namun seringkali belum dibekali dengan pemahaman yang memadai mengenai prinsip-prinsip keuangan syariah. Penelitian ini bertujuan untuk mengkaji urgensi literasi keuangan syariah bagi ibu rumah tangga di era digital melalui pendekatan studi literatur. Kajian dilakukan terhadap 7 sumber ilmiah yang mencakup artikel jurnal nasional dan internasional, laporan lembaga keuangan, serta publikasi kebijakan yang relevan. Hasil kajian menunjukkan bahwa literasi keuangan syariah tidak hanya berkontribusi pada peningkatan kualitas pengambilan keputusan keuangan, tapi juga berperan dalam melindungi keluarga dari risiko konsumtif akibat kemudahan akses layanan keuangan digital, seperti pinjaman online dan paylater. Selain itu, literasi ini menjadi instrumen penting dalam memperkuat nilai spiritual, tanggung jawab sosial, dan keberlanjutan ekonomi keluarga Muslim. Penelitian ini merekomendasikan perlunya intervensi edukatif yang terintegrasi antara literasi keuangan syariah dan literasi digital, serta dukungan kebijakan yang lebih luas dari lembaga keuangan dan pemerintah dalam membangun ketahanan ekonomi rumah tangga berbasis syariah
Pengaruh Sistem Penghargaan Berbasis Tim Terhadap Kolaborasi Dan Inovasi Di Tempat Kerja Anwar, Ravel; Hadi, Rachman; Fitrasari, Raisa Dea; Amaliyah, Zakiyatul
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 1 No 5 (2024): June
Publisher : Abadi Institute

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Abstract

This study rigorously investigates how implementing team-based reward systems affects workplace collaboration and innovation. By employing a robust case study approach and a synthesis analysis of articles published between 2018 and 2023, this research provides compelling evidence that team-based rewards are a potent incentive, motivating team members to collaborate and achieve desired outcomes. This approach also effectively mitigates internal competition, which can impede the flow of information and knowledge sharing. The findings underscore that reward structures centered on collaboration bolster innovation and cultivate a more inclusive and productive work culture. Integrating financial and non-financial rewards, transparent and structured recognition, and transparency in performance evaluations has elevated employee motivation, performance, and loyalty. The study further emphasizes tailoring rewards to individual employee values and goals to enhance job satisfaction and organizational commitment. Moreover, transparency in the performance evaluation and reward distribution processes is pivotal for augmenting productivity and fairness in the workplace. The recommendations advocate for integrating team-based reward strategies as a fundamental component of human resource management policies. This study's implications suggest comprehensive and equitable reward strategies can enhance individual, team, and organizational performance. This study's reliability in the human resource management literature lies in exploring reward strategies for fostering collaboration and innovation within organizations.
STUDI LITERATUR: IMPLEMENTASI DAN DAMPAK PENGGUNAAN ANALISIS ANGGARAN TERHADAP PENGENDALIAN KEUANGAN DI INDUSTRI MANUFAKTUR Ravel Anwar; Zakiyatul Amaliyah; Raisa Dea Fitrasari; Rachman Hadi
Juremi: Jurnal Riset Ekonomi Vol. 3 No. 6: Mei 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/juremi.v3i6.7778

Abstract

Managing finances within the manufacturing industry is crucial to a company's success. Without adequate control, companies may face the risk of inflated production costs and financial losses. Budget analysis, through the periodic creation, monitoring, and evaluation of budgets, is an essential tool for financial planning and control. This research reviews the literature on the implementation and impact of budget analysis in financial control within the manufacturing industry. The scope encompasses the implementation process, the use of technology, constraints, challenges, and their impact on the effectiveness of financial control, operational efficiency, accountability, transparency, and financial performance. The methodology employed is a literature review from sources such as Google Scholar, JSTOR, ScienceDirect, and IEEE Xplore, using keywords such as 'budget analysis' and 'financial control.' The data collection procedure involves searching, evaluating abstracts, selecting articles, and conducting an in-depth analysis. The findings indicate that budget analysis can enhance operational efficiency, reduce costs, and improve accountability and transparency, collectively enhancing the company's financial performance. The challenges encountered include resistance from organizational culture and the need for technological adaptation. The recommendations include investing in staff training, adopting appropriate technology, and enhancing transparency
Persepsi Mahasiswa Program Studi Manajemen Keuangan Sektor Publik Terhadap Green Finance Sebagai Bagian dari Pendidikan Keuangan Fitrasari, Raisa Dea; Zakiyatul Amaliyah; Parlis Lawalata; Rachman Hadi
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 5 (2026): Februari
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i5.943

Abstract

Environmental pollution and excessive exploitation of natural resources emphasize the urgency of implementing sustainable development through the concepts of green economy and green finance. In higher education, students' understanding and perceptions of green finance are crucial factors in developing sustainable financial literacy, particularly for prospective public sector financial managers. This study aims to analyze the perceptions of students in the Public Sector Financial Management Study Program regarding green finance as part of financial education. A descriptive quantitative method was used, involving 48 students selected through purposive sampling. Data were collected using a questionnaire measuring three dimensions of perception: knowledge, attitude, and readiness toward green finance. The data were then analyzed using descriptive statistics. The results showed that students' perceptions were high across all dimensions, with an average knowledge score of 3.81, attitude score of 4.33, and readiness score of 4.17. These findings indicate that students have a good understanding, positive attitudes, and readiness to implement green finance principles in public sector finance. Therefore, the integration of green finance in financial education needs to be continuously strengthened to support sustainable public sector financial management.
Analysis of LQ45 Index Volatility Using the GARCH Model and Its Implications for Retail Investment Risk during the 2020-2025 Period. Fitrasari, Raisa Dea
Jurnal Inovasi Bisnis dan Kewirausahaan Vol 8 No 1 (2026): Business Innovation and Entrepreneurship Journal (February)
Publisher : Entrepreneurship Faculty, Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35899/biej.v8i1.1168

Abstract

The growth of individual investors in the Indonesian capital market has resulted in greater trading activity in the stock market, particularly in the blue-chip stocks that are constituents of the LQ45 index. Although the LQ45 stocks have high liquidity and a significant market capitalization, they are still subject to market risk, which is reflected in the changing returns over time. This study examines the volatility of the LQ45 index, which is a measure of the risk of retail investment in Indonesia, using the Generalized Autoregressive Conditional Heteroskedasticity (GARCH) model. For the study, the author uses secondary data of daily returns of the LQ45 index from 2021 to 2025 and uses the time series econometric method. The author undertakes the following analytical steps: tests for stationarity, tests for the presence of ARCH (conditional heteroskedasticity), and estimates the GARCH(1,1) model. The findings show that the returns on the LQ45 index are stationary and that they contain conditional heteroskedasticity and volatility clustering. Estimation from the GARCH(1,1) model shows that prior shocks, and the prior period's variance, strongly affect volatility, reflecting the model's volatility persistence. Additionally, further standardized residual diagnostics reveal that GARCH(1,1) model appropriately describes the volatility dynamics. These findings indicate that the risk related to retail investment in LQ45 stocks is both dynamic and persistent, which calls for adaptive risk management. This study theoretically advances the measurement of stock market volatility, and in Indonesia, it has practical implications for retail investors and regulators in risk management and financial education.
Co-Authors Amaliyah, Zakiyatul Anwar, Ravel Hadi, Rachman Parlis Lawalata Rachman Hadi Ravel Anwar Ruslan Abdul Gani Zakiyatul Amaliyah