Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal Admisi dan Bisnis Economics and Business Management Journal
Itsna Rahma Fitriani
Politeknik Negeri Semarang
Economics, Econometrics & Finance

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Literature Review on Microfinance as an Instrument for Empowering The Economy of Low-Income Communities Sri Wahyuni Israfatin Bobihu; Rianda Hanis; Itsna Rahma Fitriani; Mutia Pamikatsih; Meiyanti Widyaningrum
Economics And Business Management Journal ( EBMJ ) Vol. 2 No. 01 (2025): Economics And Business Management Journal (EBMJ)
Publisher : Rey Media Grafika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66084/ebmj.v2i01.443

Abstract

Microfinance is a crucial instrument in empowering the economy of low-income communities in Indonesia. This study aims to examine the effectiveness of microfinance in improving economic well-being, the challenges it faces, and the role of financial technology (fintech) in its development. The research employs a literature review method with descriptive analysis of various scholarly sources from 2019 to 2023. The findings indicate that microfinance contributes to increased access to capital, household income growth, financial inclusion, and women's empowerment. However, several challenges remain, including credit risk, low financial literacy, and dependence on external assistance. Fintech has enhanced accessibility and efficiency in microfinance services, yet it still faces regulatory and data security challenges. To enhance the effectiveness of microfinance, strategies such as improving financial literacy, strengthening regulations, diversifying funding sources, and utilizing digital technology are necessary. With the right policies, microfinance can continue to serve as a sustainable instrument for improving the economic well-being of low-income communities in Indonesia.
Effect of Cash Turnover, Receivables Turnover, Asset Turnover, and Market Risk on Company Profitability in the Banking Subsector for the 2022-2024 Period Itsna Rahma fitriani; Vika Dyah Ardiyanti; Humam Rosyadi
Admisi dan Bisnis Vol. 27 No. 1 (2026): PEBRUARI 2026
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/ab.v27i1.7177

Abstract

This study aims to analyze the effect of cash turnover, receivables turnover, asset turnover, and market risk on profitability, as proxied by Return on Assets (ROA), in banking subsector companies for the 2022-2024 period. The research approach used was quantitative with a purposive sampling technique, resulting in a total of 141 data points from 47 companies. The data analysis technique used multiple linear regression analysis with the help of SPSS 23 software. The results of partial hypothesis testing indicate that the cash turnover variable has a negative and significant effect on profitability, while market risk is found to have a positive and significant effect on profitability. The receivables turnover and asset turnover variables do not show any significant effect on profitability. The results of the coefficient of determination test indicate that the ability of the independent variable to explain the variation in the dependent variable is 19.2%, while the remainder is influenced by other factors outside this research model.
Co-Authors Humam Rosyadi Meiyanti Widyaningrum Mutia Pamikatsih Rianda Hanis Sri Wahyuni Israfatin Bobihu Vika Dyah Ardiyanti