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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis MAKSI BULETIN AL-RIBAATH JURNAL PRODUKTIVITAS Journal of Humanities and Social Studies GERVASI: Jurnal Pengabdian kepada Masyarakat International Journal of Economics Development Research (IJEDR) Jurnal Akademi Akuntansi (JAA) Electronic Journal of Education, Social Economics and Technology IIJSE INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Fuad Ramdhan Ryanto
Universitas Muhammadiyah Pontianak
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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Pelatihan Literasi Digital Bagi Pelaku Usaha Mikro Kecil dan Menengah (UMKM) Kuliner Kota Pontianak Fuad Ramdhan; Muhammad Khairul Anwari
GERVASI: Jurnal Pengabdian kepada Masyarakat Vol. 7 No. 2 (2023): GERVASI: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPM IKIP PGRI Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31571/gervasi.v7i2.6281

Abstract

Kegiatan pengabdian ini bertujuan memberikan pengetahuan kepada UMKM Kuliner di Kota Pontianak dalam memasarkan usahanya secara digital yang diikuti peserta sebanyak 18 orang. Metode kegiatan dibagi menjadi tiga tahapan yaitu Knowledge sharing, Demonstration and practice, and Evaluation and feedback. Tahap knowledge sharing dilakukan memberikan pemahaman kepada UMKM Kuliner di Kota Pontianak tentang bagaimana cara UMKM memiliki strategi marketing untuk memasarkan produknya secara lebih luas namun dengan biaya yang relatif murah. Selanjutnya, tahap Demonstration and practice yaitu demonstrasi dengan membuat Google My Business untuk menampilkan usaha di Google Maps, visualisasi produk dengan menggunakan Handphone, dan praktik bagaimana usaha yang dijalankan bisa masuk dalam online marketplace atau e-commerce. Terakhir, tahap Evaluation and feedback dilaksanakan untuk mengetahui ketercapaian kegiatan pelatihan dan motivasi peserta dalam melanjutkan pengembangan diri. Hasil kegiatan disimpulkan bahwa peserta sangat antusias dalam pelatihan dan 87.5% peserta sangat setuju akan meningkatkan keterampilan penggunaan aplikasi digital untuk perkembangan usahanya. Selanjutnya peserta menginginkan pelatihan digital marketing yang lebih rinci dengan durasi waktu yang lebih lama.
Financial Behavior Mediation Effect On The Influence Of Risk Tolerance And Financial Efficacy On Investment Decisions Of Gen Z In Pontianak City Muhammad Nur Rizki; Fuad Ramdhan Ryanto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 2 (2024): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i2.5444

Abstract

This study focuses on obtaining an explanation of the influence between the variables of risk tolerance and financial efficacy on the variable of investment decisions using the mediating role of financial behavior. In conducting observations, the researcher applies an associative quantitative research method. This research applies an object of 200 respondents who are Gen Z investors residing in Pontianak City. The analysis of research data was obtained with purposive sampling and Smart-PLS as an analysis tool. The outcome from the research are, directly, Variable risk tolerance & financial efficacy significantly positively affect the financial behavior variable. Then, Investment Decisions are directly influenced by risk tolerance, financial efficacy, & financial behavior variables. Furthermore, there is a mediating role of financial behavior on impact to financial efficacy towards investment decision, but it cannot mediate the impact given by risk tolerance towards investment decision.
The Influence of Return on Assets, Current Ratio, Debt to Equity Ratio, and Total Asset Turnover on Tax Avoidance Suhada, Muhammad Nazar; Ryanto, Fuad Ramdhan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6050

Abstract

This study examines the connection between financial performance metrics, specifically Return on Assets (ROA), Current Ratio (CR), Debt to Equity Ratio (DER), and Total Asset Turnover (TAT), and tax avoidance behavior among companies listed on the Indonesia Stock Exchange. Using a quantitative analysis approach, the results indicate a significant positive correlation between ROA and tax avoidance, suggesting that more profitable companies are more likely to adopt tax avoidance strategies. On the other hand, the CR is found to have a negative correlation with tax avoidance, implying that firms with stronger liquidity are less inclined to engage in aggressive tax strategies, possibly to preserve their reputation. While DER and TAT do not exhibit a significant impact on tax avoidance, the study underscores the need to consider a broader perspective when examining corporate tax practices. Future research could benefit from exploring qualitative factors that might influence tax avoidance behavior.
Return on Assets, Return on Equity, Net Profit Margin, and Book Value Per Share on The Value of Infrastructure Sector Companies Listed on The Indonesian Stock Exchange Anggraina, Maya; Ryanto, Fuad Ramdhan
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 5 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i5.6672

Abstract

This study aims to identify the effect of Return on Asset (ROA), Return on Equity (ROE), Net Profit Margin (NPM), and Book Value Per Share (BVPS) on firm value in the infrastructure sector listed on the Indonesia Stock Exchange (IDX). The research method used is associative research with data collection techniques through documentation studies using secondary data from the company's published financial statements and other sources. The analysis results show that simultaneously, ROA, ROE, NPM, and BVPS variables have a significant effect on firm value with a contribution of 57.2%. Although partially, these variables do not have a significant effect individually on firm value. This finding supports the signaling hypothesis theory which states that investors consider dividend changes as a signal of good earnings in the future. This study provides a deeper understanding of the factors that influence firm value in the infrastructure sector on the IDX. However, it should be noted that this study has limitations in the use of certain data and analytical methods, so the results should be interpreted in the specific context of this study and can be extended with further research that considers additional factors that may affect the value of these companies.Top of FormBottom of Form.
The Influence of Deviden Policy, Funding Decisions and Investment Decisions on Company Value with ROE as an Intervening Variable in Industrial Sectors Listed on the Indonesian Stock Exchange Putri, Tiara; Ryanto, Fuad Ramdhan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6842

Abstract

This study examines the effect of funding decisions, dividend policies, and investment decisions on firm value, with Return on Equity (ROE) as an intervening variable in industrial sector companies listed on the Indonesia Stock Exchange (IDX). The industrial sector plays an important role in economic growth, but faces challenges such as falling profits and market pressures. This study uses an associative approach with secondary data collected through documentary studies from 62 industrial companies during 2021-2023. Data analysis includes classic assumption tests and path analysis. The results showed that funding decisions, dividend policy, and investment decisions have a very strong correlation with ROE. These variables, when mediated by ROE, show a stronger relationship to firm value. The F test shows that Dividend Policy, Funding Decisions, and Investment Decisions have a significant effect on ROE, while Dividend Policy, Funding Decisions, and Investment Decisions through ROE as intervening variables do not have a significant effect on the firm value variable. The t-test shows that partially, the dividend policy variable, funding decisions, have no partial effect on ROE, while investment decisions have a partial effect on ROE. Partially, the dividend policy variable, funding decisions, and investment decisions do not have a significant effect on the firm value variable through ROE. Future research is recommended to explore additional variables or use alternative analytical tools to gain more comprehensive insights.
The Influence of Funding Decisions, Institutional Ownership, and Current Ratio on Company Value with Return on Asset as a Moderator for Energy Sector Companies Listed on the Indonesian Stock Exchange Pramanda, Rapita; Ryanto, Fuad Ramdhan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6889

Abstract

This research aims to analyze the influence of funding decisions, institutional ownership, and current ratio on company value, with return on assets (ROA) as a moderating variable, specifically in energy sector companies listed on the Indonesian Stock Exchange (IDX). The problem addressed is how these financial factors and ROA interact to affect the value of companies in the energy sector. The primary objectives of this study are to assess the impact of these variables on company value and to determine the moderating role of ROA. The research utilizes associative methods, with data collected from secondary sources, such as financial reports published by 52 energy sector companies on the IDX from 2021 to 2023. The data is analyzed using Moderated Regression Analysis (MRA), after conducting classical assumption tests including normality, multicollinearity, and heteroskedasticity. The findings indicate that funding decisions, institutional ownership, and current ratio significantly influence company value, and ROA moderates the relationship between these variables and company value. The results suggest that strategic decisions regarding funding, ownership structure, and liquidity management play crucial roles in enhancing company value, with ROA serving as a pivotal factor in strengthening these relationships.
The Influence Of Financial Literacy, Ease Of Access, And Cost Efficiency On The Financial Optimization Of Users Of Seabank Digital Services Umami, Reza; Ryanto, Fuad Ramdhan
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.11884

Abstract

Research Objective: This study investigates the influence of financial literacy, ease of access, and cost efficiency on the financial optimization of Sea Bank digital service users. Design/Methodology/Approach: Employing a quantitative methodology within an associative framework, this research collected data through a digital questionnaire distributed online. The study population comprised active Sea Bank users in Indonesia, estimated at approximately 10 million. A purposive sampling technique was used to select 100 participants based on specific qualifications, such as their level of engagement and utilization of Sea Bank services. Data were analyzed using SPSS version 26. Research Findings: (1) Financial literacy positively and significantly impacts financial optimization. (2) Ease of access positively and significantly influences financial optimization. (3) Cost efficiency positively and significantly affects financial optimization. (4) Collectively, the three variables exert a positive and significant effect on financial optimization. Theoretical Contribution/Originality: This research contributes to financial knowledge by emphasizing the role of monetary literacy within the context of digital banking platforms, particularly Sea Bank. By proposing an analytical model linking financial literacy, ease of access, and cost efficiency to financial optimization, the study offers valuable insights for the existing literature and serves as a foundation for future research. The findings also reinforce efforts to promote financial education and awareness in society, while paving the way for further exploration of other factors that may influence financial optimization among digital banking users.
The Influence Of Fintech Payment, Financial Literacy, And Financial Self-Efficacy On Financial Management Of Civil Servants Of The Ministry Of Law And Ham Pontianak Sindi, Sindi; Ryanto, Fuad Ramdhan
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.11834

Abstract

The rapid progression of digital technology has profoundly impacted financial behavior, especially via the extensive use of fintech technologies like pay-later services, mobile banking, and e-wallets. Although these technologies provide ease, they may also result in poor money management and impulsive spending. This research investigates the financial management practices of public officials in the Pontianak Ministry of Law and Human Rights concerning fintech payments, financial literacy, and financial self-efficacy. A quantitative associative methodology was used to collect data from 150 respondents selected via purposive sampling. The investigation, conducted using multiple linear regression, indicates that fintech payments, financial literacy, and financial self-efficacy significantly enhance financial management. The regression equation Y = 1.539 + 0.105X1 + 0.209X2 + 0.589X3 indicates that financial self-efficacy has the most substantial impact, followed by fintech payments and financial literacy. The findings suggest that fintech payments enhance transaction efficiency; yet, a lack of understanding and self-discipline may result in financial irresponsibility. Participants with improved financial literacy demonstrated advancements in planning, budgeting, and differentiating between requirements and wants. Likewise, those with heightened financial self-efficacy had more confidence in their financial management, leading to a decrease in impulsive spending. This study underscores the need of improving financial education and fostering self-efficacy to enable people to optimize the advantages of fintech while minimizing dangers. These findings provide significant insights for organizations and authorities seeking to enhance the financial welfare of government personnel in a more digital landscape.
Performance Analysis Using the Balanced Scorecard Approach at Dr. Soedarso Regional General Hospital West Kalimantan Province Utami, Tramilia Salsabila; Ryanto, Fuad Ramdhan
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12682

Abstract

This study analyzes the performance of Dr. Soedarso Regional General Hospital in West Kalimantan Province during the period 2021–2024 using the Balanced Scorecard approach. Measurements were conducted from the perspectives of finance, customers, internal business processes, and learning and growth. The results show a decrease in ROI from 12% to 9%, but cost efficiency remained relatively stable at around 82–84%. Patient acquisition experienced fluctuations, with a decline in 2022 and a subsequent increase in the following year. Overall customer satisfaction levels were categorized as good. Internal business process indicators such as BOR, ALOS, TOI, BTO, NDR, and GDR were within the established standard ranges. Employee productivity was recorded at 1,659,948 per day with an employee retention rate of 91%. Employee satisfaction is generally rated as good, although there are notes on career progression and room for suggestion submission. This data provides an overview of the hospital's performance from various perspectives in accordance with the Balanced Scorecard methodology. 
The Influence of Net Profit Margin, Return on Assets, and Earnings per Share on Stock Price with Debt to Equity Ratio as a Moderating Variable in the Basic Materials Secto Alamsyah, Ifan Pradipra; Ryanto, Fuad Ramdhan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8026

Abstract

This study aims to analyze the influence of Net Profit Margin (NPM), Return on Assets (ROA), and Earnings per Share (EPS) on stock prices in companies within the Basic Materials sector, with Debt-to-Equity Ratio (DER) as a moderating variable. The research uses a quantitative approach with an associative type of study. Secondary data were obtained from the annual financial statements of companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period. The testing was conducted through Moderated Regression Analysis (MRA), preceded by classical assumption tests. The analysis results show that in the first model, the relationship between NPM, ROA, and EPS with stock prices is moderately strong, with a correlation value of 0.557 and a coefficient of determination of 31%. When DER is included as a moderating variable in the second model, the relationship becomes strong, with a correlation value of 0.670 and the coefficient of determination increases to 44.9%. Simultaneously, NPM, ROA, EPS, and DER along with their interaction terms significantly influence stock prices. The results indicate that NPM, ROA, and EPS each have a positive and significant partial effect on stock prices. DER also has a positive and significant effect. However, the moderating interaction results show that DER significantly moderates the relationship between NPM, ROA, and EPS on stock prices in a negative direction. This means that a higher DER weakens the positive influence of these three financial ratios on stock prices. These findings highlight the importance of optimal capital structure management to avoid diminishing market perceptions of a company’s value. The results suggest that optimal capital structure and operational efficiency are key factors in shaping market perception of firm value.
Co-Authors Alamsyah, Ifan Pradipra Anggraina, Maya Asep Nurzaman Bio Allamanda Dedi Hariyanto Edy Suryadi Elvira, Dhina Citra Eva Pujianti Fenni Supriadi Fevi Tamsihani Fitri Hidayati Laily Ramadhani M. Khairul Anwari Melinda Tri Sundari Muhammad Nur Rizki Mulya Syahbandi Pramanda, Rapita PUTRI, TIARA Reza Umami, Reza Sindi, Sindi Suhada, Muhammad Nazar Sulastri Sulastri Sulistiani, Astri Utami, Tramilia Salsabila