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All Journal Hasanuddin Economics and Business Review AkMen JURNAL ILMIAH Journal on Education Jurnal Review Pendidikan dan Pengajaran (JRPP) Journal of Research in Business, Economics, and Education Community Development Journal: Jurnal Pengabdian Masyarakat BERNAS: Jurnal Pengabdian Kepada Masyarakat International Journal Of Science, Technology & Management (IJSTM) International Journal of Educational Research and Social Sciences (IJERSC) Journal of Economics and Business Letters Journal Of Human And Education (JAHE) Husnayain Business Review Jurnal Pengabdian Masyarakat Akademisi International Journal of Islamic Business and Management Review Jurnal Pusat Akses Kajian Manajemen Asean International Journal of Business Indonesian Research Journal on Education Socius: Social Sciences Research Journal International Journal of Law, Policy and Governance International Journal of Indonesian Business Review Eko dan Bisnis: Riau Economic and Business Review Sharia Oikonomia Law Journal
Kurniati Karim
Sekolah Tinggi Ilmu Ekonomi Sakti Alam Kerinci
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Comparative Analysis of Financial Performance Using Financial Ratios and Economic Value Added Karim, Kurniati
International Journal of Indonesian Business Review Vol. 1 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibr.v1i1.193

Abstract

This study aims to determine 1) monitor the financial performance of PT. Indofood Sukses Makmur Tbk. based on Financial Ratios 2) financial performance of PT. Indofood Sukses Makmur Tbk. based on Economic Value Added (EVA) 3) calculated based on the financial performance of PT. Indofood Sukses Makmur Tbk. based on Financial Ratios and EVA. Results Based on the research shows that the liquidity ratio is measured using the Current Ratio (CR). the average CR was 159% or 1.59 times, indicating that the company cannot afford the short term or the debt is due soon. The solvency ratio is measured using the Debt to Equity Ratio (DER) the average DER is 92.72%, indicating that the company uses other parties' capital more than its own capital. Activity Ratio is measured using TATO. TATO obtained an average of 74% or 0.74 times indicating ineffective asset turnover or the company has not maximized assets in generating sales. Profitability ratios are measured using ROE.  ROE of 11.48% was obtained, indicating that the company does not yet have equity in obtaining company profits or profits. Meanwhile, by using the EVAmethod, the average EVA is 1,288,895 which shows positive results or EVA > 0. From the results of this explanation it can be said that the measurement of financial performance is better using the EVA method.
PEMASARAN INTERNAL DAN KUALITAS PELAYANAN TERHADAP KEPUASAN MAHASISWA (Studi Kasus Mahasiswa STIE-SAK) Karim, Kurniati
Eko dan Bisnis: Riau Economic and Business Review Vol. 12 No. 4 (2021): Dinamika Kinerja, Pelatihan, dan Kepuasan Pelanggan di Era New Normal
Publisher : Sekolah Tinggi Ilmu Ekonomi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36975/jeb.v12i4.352

Abstract

Internal marketing that properly done would have an impact on service quality, which furthercould increase customer satisfaction and customer loyalty. The aim of this research was to determine how much influence application internal marketing and service qualitywithcustomer satisfaction on STIE Sakti Alam Kerinci.This research used quantitative method since researcher wanted to determine the measurement of X and Y variable. Population in this study is 153 people. Sampling technique used is a probability sampling with using accidental sampling. Data analysis techniques in this study ismultiple regresion analysis and coefficient of determination analysis.Questionaires were used as a tool in data collection method. The findings show that all hypothesis were proved to be significant internal marketing and service qualitywith customer satisfaction on STIE Sakti Alam Kerinci. The implies that Y =  68,051  + 0,083 X1 + 0,062 X2. ttable is 2,006 with using (α = 5%).Internal marketing has t count3,717 and customer satisfaction  has t count 2,026. Ftable is 3,06and has t count 4,787.  Internal marketing and service qualityas  simultan  influence  positive and  significance  tocustomer satisfaction on STIE Sakti Alam Kerinci.
The Ability to Use Technology on ASN Performance Moderated By WFH During the Pandemic Nirta Vera Yustanti; Yesi Indian Ariska; Heru Kreshna Reza; Kurniati Karim; Melly Susanti
International Journal of Educational Research & Social Sciences Vol. 2 No. 6 (2021): December 2021
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v2i6.229

Abstract

COVID19 has changed many work arrangements and cultures such as Work From Home (WFH). The government enforces a policy for all State Civil Apparatus (ASN) to work from home. The purpose of this study was to determine the ability to understand and use technology during the pandemic which was moderated by WFH in increasing the performance of the ASN in Kepahiang Regency during the COVID 19 pandemic. This study used a quantitative descriptive analysis method with multiple regression methods, namely to provide an overview about the ability to understand and use technology on the performance of ASN which is moderated by work from home. The population in this study was 145 civil servants in the government of Kepahiang Regency. Samples were taken as many as 90 ASN who had filled out the questionnaire correctly and completely. The results showed that there was an increase in the value of R Square by 0.705 (0.714-0.009) or an increase in the effect before and after WFH by 70.5%. This means that the performance of ASN (Y) has increased after the government in Kepahiang Regency implemented the policy of the head ASNto work at home during the pandemic. Prior to the policy for the WFH by the government,the performance of ASN only 9%. With the moderating variable (Work From Home) can strengthen the influence of the variable Ability to understand and use (X1) on the performance of ASN (Y). So it can be concluded that the "Hypothesis is Accepted" so that it can be said that the existence of a moderating variable or Work From Home (WFH) can strengthen or increase the influence of the ASN Performance variable (Y) in the Kepahiang Regency Government.
The Relationship Between Human Capital and Digital Literacy on Financial Inclusion Nur, Muh.; Karim, Kurniati; Alfiana, Alfiana; Windreis, Christ; Renggaala, Nuniek Yuniarti Ningsih
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 7 (2026): February 2026
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18642206

Abstract

Financial inclusion is a crucial element in promoting sustainable and equitable economic development. However, the level of financial inclusion still faces various challenges, particularly those related to the quality of human resources and the ability to adapt to digital technology developments. This study aims to analyze the relationship between human capital and digital literacy on financial inclusion. This study used a qualitative approach with a descriptive-exploratory design. Data were collected through in-depth interviews, observations, and documentation with productive-age individuals, micro and small business owners, and related parties involved in formal financial services. Data analysis was conducted using thematic analysis to identify patterns and meanings emerging from the experiences and perceptions of informants. The results show that human capital plays a significant role in shaping individuals' understanding, attitudes, and trust in formal financial services. Education level, skills, and experience contribute to an individual's ability to access and utilize financial services. Furthermore, digital literacy has proven to be a crucial factor in supporting the utilization of technology-based financial services, particularly in increasing access, security, and intensity of use of digital financial services. This study also found that human capital and digital literacy have a mutually reinforcing relationship in promoting financial inclusion. Individuals with high levels of human capital and digital literacy demonstrate higher and more sustainable levels of financial participation. These findings emphasize that increasing financial inclusion must be accompanied by strengthening the quality of human resources and digital literacy within the community.
PELATIHAN LITERASI KEUANGAN BAGI PENGAMBILAN KEPUTUSAN INVESTASI MASYARAKAT: STUDI EMPIRIS DI KOTA DAN DESA Beno Jange; Karsim Karsim; Mira Hastin; Meike Negawati Kesek; Ali Ramatni; Kurniati Karim
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Volume 6 No. 1 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i1.40495

Abstract

Penelitian ini bertujuan untuk meningkatkan literasi keuangan masyarakat melalui pelatihan daring. Pelatihan dilakukan menggunakan platform Zoom Cloud Meeting dengan materi yang mencakup konsep dasar keuangan, pengelolaan keuangan pribadi, dan pengambilan keputusan investasi. Hasil penelitian menunjukkan peningkatan yang signifikan pada pemahaman peserta mengenai konsep-konsep keuangan setelah mengikuti pelatihan. Temuan ini mengindikasikan bahwa pelatihan daring dapat menjadi sarana yang efektif untuk meningkatkan literasi keuangan masyarakat.
The Style of Customer Decision Making in the Bugis Community in Jambi Kurniati Karim; Ahmad Hosen
Hasanuddin Economics and Business Review VOLUME 4 NUMBER 2, 2020
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v4i2.2446

Abstract

The Bugis tribe is one of the tribes that resides in South Sulawesi Province. This tribe is known to be very rational in acting and is always based on the teachings of the ancestors in the form of "Mappesona ri Dewata Seuwae" which means based on God Almighty. The Bugis tribe is known as an accomplished seaman, so they inhabit all provinces in Indonesia, including in Jambi Province. By inhabiting the Jambi area, the influence of the local culture will certainly affect the behavior of someone who resides in the area. Regarding this, the purpose of this research is to find out whether the decision making model of the Bugis people who live in Jambi still consider the Bugis cultural value when making product purchase decisions. The research sample consisted of 106 people, data were collected through questionnaires, and then analyzed descriptively quantitatively by calculating the index number values. The analysis shows that although the Bugis people have settled in Jambi, Sumatra, the product purchasing decision model is based on the value of the faith taught by the Bugis ancestors.
The Effect of Human Resource Skills and Capabilities on SMEs Performance Reni Wijaya; DORRIS Yadewani; Kurniati Karim
International Journal of Islamic Business and Management Review Vol. 2 No. 1 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1305.194 KB) | DOI: 10.54099/ijibmr.v2i1.128

Abstract

This study aims to investigate more deeply the impact of skills and abilities on the performance of Small and Medium Enterprises in Kota Pariaman. The population of this research is 4,281 Small and Medium Enterprises located in Pariaman City where the number of samples is 98 SMEs. The technique used in collecting data for this research is to use Field Research, then the technical data analysis used is factor analysis. Hypothesis testing is carried out using Statistical Program Social Scence (SPSS) 24.0 for Windows by using factor analysis, among others instrument test, classical assumption test, Goodness of Fit test, multiple linear regression analysis. The results of this study indicate that a) There is a positive influence of skills on the performance of small and medium enterprises of 13.2%. b) There is a positive effect of ability on the performance of small and medium enterprises of 30.8%. c) There is a positive influence of skills and abilities on the performance of small and medium enterprises of 34.1%.
THE INFLUENCE OF ISLAMIC ECONOMIC EDUCATION ON SHARIA FINANCIAL LITERACY AMONG MILLENNIALS Kurniati Karim; Nadiah Ismail; Khalid Mahmud
Sharia Oikonomia Law Journal Vol. 4 No. 4 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i4.4336

Abstract

Millennials increasingly use digital financial services, yet technological familiarity does not always ensure adequate understanding of Sharia principles, contractual structures, or financial risks. This study aimed to examine the influence of Islamic economic education on Sharia financial literacy and to identify the mediating roles of financial self-efficacy and Sharia financial attitudes. An explanatory sequential mixed-methods design was employed, combining survey data from 472 Muslim millennials, structural equation modeling, objective literacy testing, and interviews with 36 participants representing different literacy levels. The results showed that Islamic economic education significantly influenced Sharia financial literacy directly and indirectly through financial self-efficacy and Sharia financial attitudes. Practical application, case-based learning, contract analysis, and product comparison produced stronger outcomes than theoretical exposure alone. Formal academic education generated the highest conceptual scores, while professional training demonstrated stronger effects on product evaluation and financial behavior. Sharia financial literacy also significantly predicted Sharia-compliant financial behavior, although access to suitable products and digital information quality affected the consistency of application. The study concludes that effective Islamic economic education should integrate religious principles, financial calculation, contractual analysis, digital competence, and realistic decision-making practice to strengthen informed, ethical, and responsible financial behavior among millennials in increasingly complex financial markets and environments.
Co-Authors Adji Purnama Aftanorhan, Asyraf Ahmad Hosen Ahmad Hosen Ahmad Hosen, Ahmad Akhir Lusono Alfiana Alfiana Ali Ramatni Ariska, Yesi Indian Beno Jange Dedi Iskamto Dennis Rydarto Tambunan Dennis Rydarto Tambunan Dennis Rydarto Tambunan Dorris Yadewani Emmy Hamidah Firdaus Firdaus Hamsiah Hamsiah Husaini⁴, Husaini⁴ Idum Satia Santi Indriani, Rini Iswidana Utama Putra jenita jenita, jenita Kamaludin Kamaludin Karsim Karsim Karsim, Karsim Khalid Mahmud M. Rusdi M. Yusuf Bahtiar Masrida Zasriati Meike Negawati Kesek Melly Susanti Melly Susanti Melly Susanti Mira Hastin Nabila, Syadza Muthi Nadiah Ismail Nirta Vera Yustanti Nur Arifin Nur, Muh. Renggaala, Nuniek Yuniarti Ningsih Reni Wijaya Reza, Heru Kreshna Rukhmana, Trisna Sawlani, Dhiraj Kelly Septiyani, Rini Dwi Sylvia Kartika Dhamayanti Walenta, Abdi Sakti Windreis, Christ