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All Journal JURNAL AGRICA Business and Finance Journal Menara Ilmu JURNAL PUNDI Jurnal Ekonomi dan Bisnis Dharma Andalas Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Prosiding Konferensi Nasional PKM-CSR Jurnal Penelitian Dan Pengkajian Ilmiah Sosial Budaya Jurnal Ekonomika Dan Bisnis Jurnal Pengabdian Masyarakat Dharma Andalas JEBD EMAS: Jurnal Ekonomi, Manajemen dan Bisnis Jurnal Akuntansi Keuangan Dan Perpajakan Journal of Business Economics and Management
Siska Lusia Putri
Fakultas Ekonomi Dan Bisnis Universitas Dharma Andalas
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Praktek Manajemen Risiko Terhadap Kinerja Keuangan Octavera, Sari; Rahadi, Febri; Nasyrah, Alam
Jurnal Ekonomi dan Bisnis Dharma Andalas Vol 27 No 1 (2025): Jurnal Ekonomi dan Bisnis Dharma Andalas
Publisher : Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebd.v27i1.1868

Abstract

The more complex the problems faced in the banking industry, the more companies need to identify issues in bank operations to assess the risks that occur. The importance of risk management in the banking business lies in creating an early warning system to minimize the risks of the banking business, which is highly sensitive to economic conditions. Management of the bank's health level is necessary in the assessment of the bank's performance. The assessment of banking financial performance can be measured using the Return on Asset (ROA) approach. The assessment conducted is related to risk management practices. Risk management is assessed comprehensively from financial risk, business risk, and operational risk. Thus, this research can examine the impact of risk management practices on banking financial performance. This research is explanatory research with a quantitative approach that explains the relationship between financial risk, business risk, and operational risk on banking financial performance. The data for this research is secondary data in the form of annual financial statements of banking companies listed on the Indonesia Stock Exchange (IDX) for the period 2019-2023. The results of the simultaneous test explain that the independent variables collectively influence the dependent variable. Meanwhile, partially, only operational risk has a significant impact on ROA. Abstrak Semakin kompleksnya permasalahan yang dihadapi dalam industri perbankan, maka perusahaan perlu mengidentifikasi masalah dalam operasional bank untuk mengkaji risiko yang terjadi. Pentingnya manajemen risiko pada bisnis perbankan adalah dalam menciptakan early warning system dalam meminimumkan risiko bisnis perbankan yang sangat sensitive terhadap kondisi ekonomi. Manajamen pengelolaan tingkat kesehatan bank diperlukan dalam penilaian kinerja perbankan tersebut. Penilaian kinerja keuangan perbankan dapat diukur adalah dengan pendekatan Return on Asset (ROA). Penilaian yang dilakukan dihubungan dengan praktek manajemen risiko. Manajemen risiko dinilai secara komprehensif dari risiko keuangan, risiko bisnis dan risiko operasional. Sehingga penelitian ini dapat melihat pengaruh dari praktik manajemen risiko terhadap kinerja keuangan perbankan. Penelitian ini merupakan penelitian eksplanasi (explanatory research) dengan pendekatan kuantitatif yang menjelaskan bagaimana hubungan antara risiko keuangan, risiko bisnis dan risiko operasional terhadap kinerja keuangan perbankan. Data penelitian ini merupakan data sekunder berupa laporan keuangan tahunan perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) dalam periode waktu 2019-2023. Hasil pengujian simultan menjelaskan bahwa variabel dependen secara bersama-sama berpengaruh terhadap variabel dependen. Sementara secara parsial hanya risiko operasional yang memberikan pengaruh secara signifikan terhadap ROA
PKM Second Shop Di Kota Payakumbuh Provinsi Sumatera Barat Rosa, Yenni Del; Abdilla, Mohammad; Yendra, Nofri; Riski, Tri Rachmat; Hastini, Lasti Yossi; Putri, Siska Lusia; Saputra, Albi; A, Saadi Maimun
Jurnal Pengabdian Masyarakat Dharma Andalas Vol 3 No 2 (2025): Jurnal Pengabdian Masyarakat Dharma Andalas
Publisher : LPPM Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jpmda.v3i2.1863

Abstract

The second-hand import shoes business is currently growing quite rapidly so that people do not need to buy it at a high price. Genesis second shop sells various brands offline and online. The turnover of Genesis second shop per month is around IDR 10 million - IDR 12 million per month, the shop rent is IDR 11 million per year and is assisted by 1 employee. The priority problem of the Genesis second shop business is about market share and marketing strategy. The method of implementing counseling activities using lectures, discussions and practices. The purpose of the activity is for partners to know about market share and marketing strategies. The market share of Genesis second shop is all levels of lower and upper economic society of various ages. The Genesis second shop marketing strategy is carried out by paying attention to the 4P elements and improving existing marketing strategies and alternative marketing channels.
Pengaruh Literasi Keuangan, Pengelolaan Keuangan, Sikap Menabung dan Toleransi Risiko Terhadap Perencanaan Keuangan Hari Tua Karyawan Swasta (Studi Kasus Pada Karyawan CV. Mulia Pratama) Dinda Mardhatillah; Sari Octavera
Jurnal Akuntansi Keuangan Dan Perpajakan | E-ISSN : 3063-8208 Vol. 1 No. 3 (2025): Januari - Maret
Publisher : GLOBAL SCIENTS PUBLISHER

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

Abstract

Persiapan pensiun di kalangan karyawan swasta Indonesia menghadapi tantangan signifikan, dibuktikan dengan data OJK yang menunjukkan hanya 15% dari angkatan kerja memiliki program pensiun terencana, dengan persentase lebih rendah di sektor swasta. Penelitian Santoso et al. (2022) mengungkapkan bahwa 90% karyawan swasta tidak menerima fasilitas program pensiun dari perusahaan mereka, menciptakan kesenjangan kesejahteraan yang substansial dibandingkan pegawai negeri. Masalah ini diperparah oleh rendahnya literasi keuangan (49,68% secara nasional pada 2022), keterampilan pengelolaan keuangan yang tidak memadai tercermin dalam pola konsumsi tidak seimbang, sikap menabung yang buruk yang memprioritaskan kebutuhan jangka pendek, toleransi risiko yang bervariasi memengaruhi pilihan investasi, ketidakpastian ekonomi global, tingkat inflasi tinggi, dan tantangan demografis dari populasi Indonesia yang menua. Penelitian ini menyelidiki bagaimana literasi keuangan, pengelolaan keuangan, sikap menabung, dan toleransi risiko memengaruhi perencanaan keuangan pensiun di antara karyawan sektor swasta di CV. Mulia Pratama, bertujuan memberikan wawasan bagi pemangku kepentingan untuk mengembangkan program perencanaan pensiun dan inisiatif pendidikan keuangan yang lebih efektif bagi karyawan sektor swasta di Indonesia.
Pengaruh Fasilitas Kerja, Keterlibatan Karyawan, dan Kemampuan Kerja Terhadap Kinerja Karyawan di PT. Pelabuhan Tanjung Priok Unit Teluk Bayur Diva Aurelia; Sari Octavera
Journal of Business Economics and Management | E-ISSN : 3063-8968 Vol. 1 No. 3 (2025): Januari - Maret
Publisher : GLOBAL SCIENTS PUBLISHER

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

Abstract

Penelitian ini berfokus untuk mengetahui seberapa besar pengaruh fasilitas kerja, keterlibatan karyawan, dan kemampuan kerja terhadap kinerja karyawan di PT. Pelabuhan Tanjung Priok Unit Teluk Bayur. Metode penelitian yang digunakan dalam penelitian ini yaitu metode kuantitatif. Jenis data yang digunakan dalam penelitian ini adalah menggunakan data primer dan data sekunder. Adapun populasi dalam penelitian ini adalah seluruh karyawan di PT. Pelabuhan Tanjung Priok Unit Teluk Bayur. Teknik pelaksanaan pengambilan sampel pada penelitian ini menggunakan teknik sampel jenuh yaitu; sistem pengambilan sampel yang melibatkan seluruh populasi sebagai sampel, dengan total keseluruhan sebanyak 53 orang karyawan. Teknik pengumpulan data menggunakan kuesioner dan wawancara. Dari hasil uji hipotesis parsial (uji t) disimpulkan bahwa variabel fasilitas kerja tidak berpengaruh signifikan terhadap kinerja karyawan di PT. Pelabuhan Tanjung Priok Unit Teluk Bayur, variabel keterlibatan karyawan tidak berpengaruh terhadap kinerja karyawan di PT. Pelabuhan Tanjung Priok Unit Teluk Bayur, dan variabel kemampuan kerja berpengaruh signifikan terhadap kinerja karyawan di PT. Pelabuhan Tanjung Priok Unit Teluk Bayur. Kemudian berdasarkan uji hipotesis simultan (uji F) dapat disimpulkan bahwa variabel fasilitas kerja,keterlibatan karyawan, dan kemampuan kerja berpengaruh signifikan terhadap kinerja karyawan di PT. Pelabuhan Tanjung Priok Unit Teluk Bayur.
Edukasi Dan Sosialisasi Financial Technology (FINTECH) Pada Pelajar SMK 2 Dan SMK Cendana Kota Padang Panjang Azman, Heru Aulia; Octavera, Sari; Fernanda, Dedi; Thahirah, Khadijah Ath; Wijaya, Riani Sukma; Murniati, Murniati
Jurnal Pengabdian Masyarakat Dharma Andalas Vol 3 No 2 (2025): Jurnal Pengabdian Masyarakat Dharma Andalas
Publisher : LPPM Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jpmda.v3i2.1946

Abstract

Perkembangan Era Society 5.0 yang ditandai dengan pencatatan data elektronik (big data). Selain itu, keberadaan konektivitas internet ke perangkat fisik (internet of things) menjadikan pencatatan buku besar elektronik (block chain) sebagai sistem baru dalam teknologi saat ini. Kebutuhan manusia untuk mendapatkan informasi dan berbagai layanan elektronik lainnya semakin meningkat dikarenakan oleh kemajuan teknologi yang sangat pesat. Era digitalisasi telah merasuk ke seluruh sendi kehidupan manusia termasuk salah satunya di bidang keuangan yang dikenal dengan istilah Financial Technology (Fintech). Perkembangan Fintech beberapa tahun terakhir ini sangat signifikan. Tercatat per tahun 2022 di Indonesia, Fintech berbasis pembayaran ada 58, Fintech berbasis Lending mencapai 164 dan fintech berbasis crowd funding ada 2 dengan lebih dari 74 triliun rupiah transaksi pinjaman online. Walaupun di satu sisi, Fintech memberikan manfaat dan berbagai kemudahan bagi Masyarakat, namun di sisi lain Fintech juga menyebabkan permasalahan-permasalahan yang membahayakan bagi Masyarakat bahkan generasi muda. Salah satu kasus yang paling viral saat ini adalah pinjaman online yang juga rentan terjadi pada generasi Z. Beberapa faktor yang membuat Generasi Z rentan terjerat pinjol, di antaranya: rendahnya literasi keuangan, Gaya hidup yang tidak bijak, tekanan sosial untuk mengikuti teman, Perilaku FOMO dan YOLO, dan kebiasaan membagikan informasi pribadi di media sosial.Oleh karena itu, perlu dilakukan edukasi dan sosialisasi mengenai Fintech agar generasi Z dapat terhidar dari bahaya pinjaman online dan memahami penggunaan Fintech dengan lebih bijaksana. Pengabdian ini dilakukan di SMK 2 dan SMK Cendana Kota Padang Panjang. Pengabdian ini dilakukan dengan bentuk sosialisasi kepada pelajar/siswa.
Sosialisasi Pengenalan Dunia Kampus Menyongsong Impian Siswa Di SMAN 8, SMAS Pertiwi 1, SMAS Pertiwi 2 Dan SMAS Pembangunan Labor UNP Kota Padang Provinsi Sumatera Barat Rosa, Yenni Del; Putri, Siska Lusia; Yan Fitri, Mellyna Eka; Abdilla, Mohammad; Yendra, Nofri; Riski, Tri Rachmat; Mawadah, Aulia; Kamila, Zahra
Jurnal Pengabdian Masyarakat Dharma Andalas Vol 3 No 2 (2025): Jurnal Pengabdian Masyarakat Dharma Andalas
Publisher : LPPM Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jpmda.v3i2.2013

Abstract

There are several percent of grade XII high school students in Padang city who do not understand the importance of studying at university and the constraints of tuition fees for those who are less fortunate. This has an impact on the relatively low mindset for the intelligence of the nation in the future. The purpose of community service activities is to increase the number of grade XII high school graduates in Padang city with scholarships accepted at State Universities every year. The method of implementing activities according to priority problems with the solutions offered in the form of lectures, discussions and counseling methods. The solution offered to grade XII high school students in Padang city provides counseling on the importance of studying at university and scholarships for those who are less financially able. This solution is expected to have an impact on the number of high school graduates in Padang city accepted at State Universities every year increasing by around more than 80%. Continuing education to university is very important because it can increase knowledge and skills, open up career opportunities and develop personality. To continue their education, prospective students can obtain various types of scholarships provided by the government and the private sector.
Menumbuhkembangkan Motivasi Belajar Untuk Menggapai Cita-Cita Siswa Di SMAN 4, SMKN 7, SMKN 8 Dan SMKS Muhammadiyah 1 Kota Padang Hastini, Lasti Yossi; Chaeroel, Lucy; Octavera, Sari; Anggraini, Dina; Abdilla, Mohammad; Riski, Tri Rachmat; Surianti, Fadila; Rismananda, Rachyta
Jurnal Pengabdian Masyarakat Dharma Andalas Vol 3 No 2 (2025): Jurnal Pengabdian Masyarakat Dharma Andalas
Publisher : LPPM Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jpmda.v3i2.2020

Abstract

The motivation of senior high school students in class XII of Padang city is still relatively low and the reinforcement of certain subject concepts according to the independent curriculum is also lacking. This has an impact on the low academic achievement of students and the number of graduates accepted at State Universities each year is still not optimal. The purpose of community service activities is to increase the number of senior high school graduates in class XII of Padang city accepted at various State Universities each year. The method of implementing the activity is in accordance with the solution offered in the form of lecture, discussion and counseling methods. The solution offered to senior high school students in class XII of Padang city provides counseling on learning motivation and reinforcement of certain subject concepts according to the independent curriculum. This solution is expected to have an impact on the number of senior high school graduates in class XII of Padang city accepted at various State Universities each year increasing by around more than 80%. Learning motivation is intrinsic and extrinsic and is related to the learning process, making students more enthusiastic in learning. Reinforcement of certain subjects is a positive response given by teachers to students in the learning process as feedback so that students can maintain or improve good behavior.
Pengaruh Tingkat Margin terhadap keputusan dalam memilih pembiayaan bank syariah dengan religiusitas sebagai variable moderasi Putri, Siska lusia; Azman, Heru Aulia; Sari, Puti Embun
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 4 No. 5 (2024): September - Oktober
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v4i5.2044

Abstract

The customer's decision to choose the financing product to use is a form of customer confidence. This belief arises because customers are satisfied with the financing products they will use. This research aims to determine the influence of margin levels on customers' decisions to choose financing products with religiosity as a moderating variable. The research population is all customers who take out financing at Sharia Bank. The research sample was taken using purposive sampling as many as 96 respondents. The research results conclude that the margin level has a positive but not significant effect on financing decisions and religiosity moderates the relationship between the margin level and financing decisions but is not significant
Analysis Of The Application Of Halal Lifestyle Among University Students Aulia Azman, Heru; Thahirah , Khadijah Ath; Putri, Siska Lusia
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 4 No. 6 (2024): November - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v4i6.2338

Abstract

The awareness of consuming halal products is an important issue for Muslim consumers today. So that producers are obliged to guarantee the halalness of the products they produce. Product halalness aims to provide protection for Muslim consumers around the world, as well as a strategy to face the challenges of globalization with the implementation of a free market system within the framework of ASEAN-AFTA, NAFTA, the European Economic Community, and the International Trade Organization (World Trade Organization). Even the international trade system has long recognized halal provisions in CODEX which are supported by influential international organizations including WHO, FAO, and WTO. The Royal Islamic Strategic Studies Center (RISSC) report entitled The Muslim 500 2023 edition shows that the Muslim population in Indonesia reaches 237.55 million. This number is the largest in the Association of Southeast Asian Nations (ASEAN) countries, as well as globally. The Muslim population in Indonesia is equivalent to 86.7% of the total population in Indonesia. This makes Indonesia's position very favorable, especially as the world's largest market in terms of consumption of the halal industry, such as fashion products, cosmetics, medicines, and the tourism sector. With the largest Muslim population in the world, Indonesia is certainly an opportunity for world producers to expand their distribution channels to Indonesia. The opportunity for the development of the halal industry has certainly become a big dream for Indonesia, with all its natural wealth and cultural diversity, Indonesia should be able to compete with the industrial quality of halal industry exporting countries in other countries. The trend of halal lifestyle has grown globally. Many countries in different parts of the world are trying to implement the halal system in their daily lives. Most Muslims agree that they should always choose halal products in accordance with Islamic sharia. However, there is a unique fact that the concept of halal lifestyle is not only applied by Muslims who are often synonymous with halal choices. The halal lifestyle has also been followed by non-Muslim consumers who are becoming aware of halal products (Rezai et al., 2012). Although the halal concept has not become the main element among non-Muslim consumer choices, factors such as geographical location, education level, and income are the basis for non-Muslim consumers to consume halal products (Teng et al., 2013). Halal lifestyle or often called halal lifestyle has actually become a common thing for the community, both in Indonesia and in other countries, even though it is not a Muslim country. The development of digital technology makes it easy for people to learn and explore the benefits of a halal lifestyle. Halal lifestyle is a person's lifestyle that can determine behavior in making a decision regarding something that is required, permitted, or prohibited according to Islamic law. So, halal is not only related to food, but also involves discussions related to other aspects of human life. Halal lifestyle is also said to be a person's right and good way of life by following the principles of sharia and the main provisions regarding something halal and haram. The word halal is a word derived from Arabic which has meaning in the interpretation of the Qur'an, namely everything that has been permitted and permitted by sharia. In this case, sharia explains the existence of an order of life and all restrictions are clear in consuming food and drink, and regulates the attitude as a human being in carrying out his personal and social life and muamalah (Bahatma, 2021). Halal lifestyle is now a prerequisite for fulfilling needs. In other words, a halal lifestyle means a person's attitude and lifestyle in daily activities (activities, interests, opinions) in accordance with sharia principles (based on the Qur'an and Hadith) (Yetty & Priyatno, 2021). According to the Islamic Judicial Halal Trust (MJCHT), a halal lifestyle is an action that is carried out honestly, correctly, with integrity, dignity and fairness, in accordance with individual abilities, and does not deviate from Islamic law (Z. Sari et al., 2022). Therefore, with this sharia lifestyle, Muslims will prefer products and use sharia-compliant services that comply with Islamic norms. In addition, the halal lifestyle has elements of health, safety, welfare, and human dignity. In other words, the sharia lifestyle is not intended to provide any prohibitions or restrictions. Rather, it is used to reintroduce the values of Islamic teachings that are Rahmatan Lil'Alamin.
SENTIMENT ANALYSIS THROUGH SEARCH VOLUME INDEX ON BITCOIN VOLATILITY Febri Rahadi; Sari Octavera
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 2 (2024): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i2.1550

Abstract

This study aims to assess the link between investor sentiment, volatility, and Bitcoin return. Connections between the three are extremely intricate and diverse. Increasing search activity on Google Trends may presage a price increase, but it can also indicate heightened speculative sentiment or information saturation, potentially resulting in a price reduction. Volatility, while frequently seen negatively, may have a beneficial impact on Bitcoin's earnings by attracting risk-tolerant investors, stimulating trading activity, and facilitating hedging and arbitrage. However, volatility carries considerable risks, discouraging risk-averse investors, impeding institutional adoption, and impeding the practical use of Bitcoin as a means of exchange. Finally, the influence of SVI on investor mood and the volatility of Bitcoin returns is determined by a number of factors, including market sentiment, legislative changes, and technological advancements. As Bitcoin and its ecosystem continue to evolve, the nature of these interactions may shift.
Co-Authors -, Yentisna ., Yentisna A, Saadi Maimun Alifa Aulia Rahmi Z Alvin Alfian, Yofina Mulyati, Alyaa Zalfaa Komara Putri Aristya Syafel Ariya Putra Utama Aulia Azman, Heru Azman, Heru Aulia Berto Mulia Wibawa Chaeroel, Lucy Delroza, Yeni Deniza, Mutiara Putri DINA ANGGRAINI Dinda Mardhatillah Diva Aurelia Eka Mariyanti Eka Mariyanti Febri Rahadi Fernanda, Dedi Fitri, Mellya Eka Yanti Fitri, Mellyna Eka Yan Grisna Anggadwita Hasnita, Rita Sri Hendro Saputra Hengki Afriadi Heru Aulia Azman Idwar, Idwar Indra, Badriatan Kamila, Zahra Lasti Yossi Hastini Lasti Yossi Hastini Mariyanti, Eka Masruri Masruri Mawadah, Aulia Mohammad Abdilla Mulya Artina Mulyati, Yofina Murniati . Nasyrah, Alam Nofri Yendra Nursinta, Lili Prima Yulianti Puti Embun Sari Rachma Rizqina Mardhotillah Riani Sukma Wijaya, Yessi Yunelia Rahmi, Indrayeni, Rifaldo Zetri Riski, Tri Rachmat Rismananda, Rachyta Rizki, Tri Rahmad Saputra, Albi Sari, Puti Embun Sovita, Ingra Surabay, Mitra Msib Batch 5 DP3APPKB Kota Surianti, Fadila Syalsabilah, Nur’aini Syarief Nur Husin Tessa Surya Ningsih Thahirah , Khadijah Ath Thahirah, Khadijah Ath Tiara Novana Titania Apriliani Putri Wahyuni, Popi Yan Fitri, Mellyna Eka Yenni Del Rosa Yulyanto Yulyanto