Masithah Akbar

Edukasi Financial Capability: Mempersiapkan Generasi Muda Mencapai Financial Well-Being

Abdimas Universal

In line with the growing trend of online shopping with all the conveniences offered, the ability ... more In line with the growing trend of online shopping with all the conveniences offered, the ability to manage finances also needs to be improved so that excessive consumptive behavior does not occur. In addition, the importance of understanding about financial capability is very important for the younger generation, especially students who will later face the world of work which requires them to be able to manage their finances independently and efficiently. Therefore, this educational activity is intended to provide insight for students in planning their financial management. This activity is attended by 80 online participants. This activity does not only focus on the provision of materials but also the practice of financial management. Based on the results of the pre-test, it was found that most of the participants still did not understand the importance of being able to manage their finances. Then, from the post-test results, it was found that after participating in this activity, t...

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Implikasi Sistem Pengendalian Manajemen terhadap Kapabilitas Perusahaan pada PDAM di Kalimantan Selatan

JURNAL ILMIAH BISNIS dan KEUANGAN, Nov 2, 2020

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Strategi Investasi Cerdas Untuk Meningkatkan Pemahaman Investasi Generasi Z

Bakti Banua : Jurnal Pengabdian Kepada Masyarakat

ABSTRAKKurangnya pemahaman akan pentingnya perencanaan dan pengelolaan keuangan yang baik dan ama... more ABSTRAKKurangnya pemahaman akan pentingnya perencanaan dan pengelolaan keuangan yang baik dan aman merupakan salah satu penyebab kurangnya partisipasi generasi muda dalam berinvestasi saham. Oleh karenanya, kegiatan ini dilaksanakan dalam rangka meningkatkan kesadaran generasi muda, terutama generasi Z, terhadap pentingnya investasi yang mudah dan aman. Melalui pengenalan Strategi Investasi Cerdas, peserta diharapkan dapat berinvestasi saham secara cerdas terutama pada pasar modal. Kegiatan ini diikuti oleh 52 mahasiswa dari berbagai perguruan tinggi di Banjarmasin. Hasil dari kegiatan ini diharapkan dapat mendorong mahasiswa untuk berinvestasi saham secara aman sehingga mereka dapat merencanakan dan mengelola keuangan mereka dengan lebih baik. ABSTRACTLack of understanding of the importance of good and safe financial planning and management is one of the reasons for the lack of participation of the younger generation in investing in stocks. Therefore, this seminar was carried out ...

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Pelatihan Kewirausahaan Bagi Pelaku Usaha Pengrajin Sasirangan Kabupaten Hulu Sungai Tengah Provinsi Kalimantan Selatan

Bakti Banua : Jurnal Pengabdian Kepada Masyarakat

The UKM of the sasirangan craftsman group in the HST district, apart from being relatively newly ... more The UKM of the sasirangan craftsman group in the HST district, apart from being relatively newly developed, was also affected by the COVID-19 pandemic which limited social interaction, thus hampering it. Facing these tough challenges, the craftsmen need a mental business requirement that is rooted in their individual character. The character of an entrepreneur must be possessed by a craftsman to help him survive and develop. Therefore, a training is needed in order to build entrepreneurial character for UKM Sasirangan craftsmen in HST district. The participants felt that this training was too short, so they felt it was unsatisfactory and they wanted to give similar training again. Participants feel they have not been able to fully implement the results of this training. For this reason, feedback has been given, that it is impossible for all of this knowledge to be implemented at once, it takes time to be trained independently and continuously while working (learning by doing) and tr...

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Analisis Prediksi Financial Distress Model Zmijewski X-Score Pada Perbankan Umum Syariah DI Indonesia Periode 2016-2018

Jurnal Manajemen dan Akuntansi, Jan 13, 2021

This study aims to determine the results of financial analysis distress in Islamic sharia banking... more This study aims to determine the results of financial analysis distress in Islamic sharia banking in Indonesia using the 2016-2018 Zmijewski X-Score model. This study uses a quantitative descriptive research design, which is a form of research based on data collected systematically about the facts and properties of the object under study by combining the relationships between the variables involved in it. The data used in the form of secondary data. The sampling technique is using saturated samples so that 14 Islamic banks are obtained as research samples. The results of this study indicate that there are as many as 10 Islamic banks that are in a healthy position in the third year and there are 4 Islamic banks that are in GrayArea even though only one third-year bank is in the gray area of Mega Syariah Bank. all banks that have a result of 0 are included in the Gray area category but if it is smaller than 0 then the bank is in the healthy category while greater than 0 then is in the category of financial distress in this study there are no Islamic banks that experience financial distress.

Balance Scorecard Implementation in Public Sector Organization, A Problem?

Implementation of the scorecard has been the subject of professional and academic research. This ... more Implementation of the scorecard has been the subject of professional and academic research. This has resulted in lists or factors that are believed to affect the likelihood of success or failure of an implementation. The implementation and use of the scorecard approach to performance management has been popular for several years, but empirical evidence from the manufacturing and industrial sectors seems to be much more considerable than the public sector environment. Adopting a balance scorecard measurement from the private sector to the public sector is not an easy matter, the differences in the organization's characteristics and objectives lead to the implementation of many obstacles.Balance Scorecard as a means of measuring organizational performance, it turns out that implementation has many challenges in public sector organizations (government), one of which is the problem of cascading communication is also a matter to be considered by the public sector, considering the org...

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Bimbingan Teknis Pencatatan Keuangan Praktis Bagi Pelaku Usaha di Kelurahan Kuin Utara Kecamatan Banjarmasin Utara

Jurnal Pengabdian Aceh, Sep 5, 2021

Determinan Minat Mahasiswa Menjadi Entrepreneur (Studi pada Mahasiswa STIE Indonesia Banjarmasin)

This study aims to identify factors that influence student interest to become an entrepreneur tha... more This study aims to identify factors that influence student interest to become an entrepreneur that is attitude, subjective norm and behavior control based on Theory Planned Behavior model, on STIE Indonesia Banjarmasin students. This study used 132 samples from students who have taken entrepreneurship subjects. Data collection using questionnaires and interviews. The analytical method used to test the hypothesis is multiple linear regression. The test results showed that the attitude of influence on student interest to be entrepreneurs, subjective norms do not affect the nterest of students to be entrepreneurs, and behavioral controls affect the student's interest to be entrepreneurs.

Faktor-Faktor Yang Mempengaruhi Intermediasi Studi Pada Bank Umum Swasta Kalimantan Selatan Tahun 2007-2009

The research is to investigate to find out the effects of non performing Loan, SBI, interest rate... more The research is to investigate to find out the effects of non performing Loan, SBI, interest rate of saving, interest rate of loan, inflation Product Domestic Regional Bruto (PDRB) both simultaneously and partially to the function of intermediary. The method used for analysis is multiple regression of Backward Model, and then t-Test and F-Test. Based on the analysis of periods 2007-2009, there are some results. First, SBI affects negatively to Loans to Deposit Ratio (LDR). It is caused by the interest rate offered is more interesting so most of the banks allocate their funds to SBI (Sertificate of Bank of Indonesia). This result also supprts the theory that says, the increase of SBI will decrease the intermediary function. Second, partially, the variable of inflation does not affect the LDR. In this researh the calculation PDRB based on the current price, the inflation has been included in the calculation. Third, NPL is the dominant factor that affects the LDR. Non Performing loan (...

Analisis Pengaruh Dana Pihak Ketiga, Tingkat Suku Bunga Kredit, Non Performance Loan (NPL), Dan Tingkat Inflasi Terhadap Penyaluran Kredit Bank Pemerintah DI Kalimantan Selatan

The research is to investigate to find out the effects of third party funds, interest rate of loa... more The research is to investigate to find out the effects of third party funds, interest rate of loan, non performing loan (NPL), and inflation, both simultanesously and partially to the Distribution of Credit (LDR) on Goverment Banks in South Kalimantan. The method used for analysis is multiple regression, and then t –Test and F-Test. Based on the analysis of periodes 2009-2011, there are some results. The result concluded there all variables third party funds, interest rate of loan, non performing loan (NPL), and inflation affect of Distribution of Credit (LDR). This result also support the theory that says, the increase of third party funds will decrease the Distribution of Credit (LDR ). The variable of intereset rate of loan is dominant affect the Distribution of Credit (LDR) on Goverment Banks in South Kalimantan. Interest Rate of Loan the amount of this loan resulted entre-preneurs/investors are reluctant to borrow loans at the bank. Interest rates on loans are costs to be paid ...

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Pengaruh Faktor Internal Terhadap Keputusan Pembelian Buku Perkuliahan Pada Mahasiswa S1 Stie Indonesia Banjarmasin

The book is an asset for a student to add insight and knowledge. A student can not just expect th... more The book is an asset for a student to add insight and knowledge. A student can not just expect the material of his teachers, but also must independently seek lecture material to supplement and clarify the material received in class. One way is to buy a book of lectures. This study aimed to determine the effect of motivation and attitudes towards decisions to buy book of lectures on S1 students of STIE Indonesia Banjarmasin. This research is quantitative with descriptive analytic design. The population in this research is 246 students. The samples are 152 students were taken by accidental sampling. Instruments used in the form of a questionnaire. Univariate analysis of data in the form of a frequency distribution, and in multivariate linear regression. The results showed that students were motivated moderate (65.8%), high motivation (29.6%) low motivation (4.6%). To the fact that most have a positive attitude (97.4%), negative attitudes (2.6%). ...

Analisis Pengaruh Inflasi, Suku Bunga, Nilai Tukar (Kurs) Dan Pertumbuhan Produk Domestik Bruto (PDB) Terhadap Indeks Harga Saham Gabungan (Ihsg) Studi Kasus Pada Perusahaan Properti Yang Terdaftar DI Bursa Efek Indonesia

This result this research swoh that the independent significantly influences toward composite sto... more This result this research swoh that the independent significantly influences toward composite stock price index. Partially either Inflation, on exchange rate significantly influences neither Interst Rate, Kurs, nor Gross Domestic Product not significant on Composite stock Price Index. This used secondary data, the data are derived from monthly report of Inflation and Interest Rate values, quarterly report of Gross Domestic Product and anual report of Kurs as well as Composite Stock Price Index. The technique of analyzing the data formula of multiple regression analysis. It is sugessted for the future researcher to conduct the similar study focusing on other macroeconomic variable that is supposed to inflvence Composite Stock Price Index

Balance Scorecard Implementation in Public Sector Organization, A Problem?

Implementation of the scorecard has been the subject of professional and academic research. This ... more Implementation of the scorecard has been the subject of professional and academic research. This has resulted in lists or factors that are believed to affect the likelihood of success or failure of an implementation. The implementation and use of the scorecard approach to performance management has been popular for several years, but empirical evidence from the manufacturing and industrial sectors seems to be much more considerable than the public sector environment. Adopting a balance scorecard measurement from the private sector to the public sector is not an easy matter, the differences in the organization's characteristics and objectives lead to the implementation of many obstacles.Balance Scorecard as a means of measuring organizational performance, it turns out that implementation has many challenges in public sector organizations (government), one of which is the problem of cascading communication is also a matter to be considered by the public sector, considering the org...

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Pembinaan Desain Produk Amplang Ikan sebagai Alternatif Usaha Rumahan bagi Ibu-Ibu PKK Desa Terantang, Barito Kuala

PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat

Terantang Village is located in Barito Kuala Regency, where the women are members of the PKK, whi... more Terantang Village is located in Barito Kuala Regency, where the women are members of the PKK, which is where they learn to start a home business. Most PKK members are housewives who have just started small businesses such as spinach chips. This training aimed to provide the participants with a business alternative, from determining and designing products that suit their conditions to training on how to produce these products. Fish amplang was offered as an alternative product, considering that the raw material in the form of fish is easy to obtain and does not require special equipment in its manufacture. This activity is carried out by providing material about product design and practicing making fish amplang taught by an amplang business owner. From the activities carried out, the participants gained new skills regarding the design of fish amplang products. In addition, this training is expected to be a provision for them to develop their businesses. Furthermore, from the evaluati...

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ANALISIS PENGARUH DANA PIHAK KETIGA TINGKAT SUKU BUNGA KREDIT NPL

Jurnal Ilmiah Bisnis dan Keuangan SPREAD, 2014

The research is to investigate to find out the effects of third party funds, interest rate of lo... more The research is to investigate to find out the effects of third party funds,
interest rate of loan, non performing loan (NPL), and inflation, both
simultanesously and partially to the Distribution of Credit (LDR) on
Goverment Banks in South Kalimantan. The method used for analysis is
multiple regression, and then t –Test and F-Test. Based on the analysis of
periodes 2009-2011, there are some results. The result concluded there
all variables third party funds, interest rate of loan, non performing loan
(NPL), and inflation affect of Distribution of Credit (LDR). This result also
support the theory that says, the increase of third party funds will
decrease the Distribution of Credit (LDR ). The variable of intereset rate
of loan is dominant affect the Distribution of Credit (LDR) on Goverment
Banks in South Kalimantan. Interest Rate of Loan the amount of this loan
resulted entre-preneurs/investors are reluctant to borrow loans at the
bank. Interest rates on loans are costs to be paid by the borrower on the
loan is received and a return on investment for lenders. Interest Rate of
Loans have a negative relationship with credit offers.

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BALANCE SCORECARD

INTERNATIONAL JOURNAL OF ACCOUNTING, FINANCE, AND ECONOMICS, 2018

Implementation of the scorecard has been the subject of professional and academic research. This ... more Implementation of the scorecard has been the subject of professional and academic research. This has resulted in lists or factors that are believed to affect the likelihood of success or failure of an implementation. The implementation and use of the scorecard approach to performance management has been popular for several years, but empirical evidence from the manufacturing and industrial sectors seems to be much more considerable than the public sector environment. Adopting a balance scorecard measurement from the private sector to the public sector is not an easy matter, the differences in the organization's characteristics and objectives lead to the implementation of many obstacles.Balance Scorecard as a means of measuring organizational performance, it turns out that implementation has many challenges in public sector organizations (government), one of which is the problem of cascading communication is also a matter to be considered by the public sector, considering the organization's strategy must be in line with the business unit under it.

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FAKTOR FAKTOR YANG MEMPENGARUHI INTERMEDIASI juma 2010

Jurnal Manajemen dan Akuntansi , 2010

The research is to investigate to find out the effects of non performing Loan, SBI, interest rate... more The research is to investigate to find out the effects of non performing Loan, SBI, interest rate of saving, interest rate of loan, inflation Product Domestic Regional Bruto (PDRB) both simultaneously and partially to the function of intermediary. The method used for analysis is multiple regression of Backward Model, and then t-Test and F-Test. Based on the analysis of periods 2007-2009, there are some results. First, SBI affects negatively to Loans to Deposit Ratio (LDR). It is caused by the interest rate offered is more interesting so most of the banks allocate their funds to SBI (Sertificate of Bank of Indonesia). This result also supprts the theory that says, the increase of SBI will decrease the intermediary function. Second, partially, the variable of inflation does not affect the LDR. In this researh the calculation PDRB based on the current price, the inflation has been included in the calculation. Third, NPL is the dominant factor that affects the LDR. Non Performing loan (NPL) of the private Banks in South Kalimantan decreases. It causes the effect to the LDR is positive. Kata kunci: intermediasi,bank umum swasta PENDAHULUAN Dalam suatu sistem perekonomian, peran utama lembaga-lembaga keuangan ialah men-jalankan fungsi intermediasinya, menyalurkan kembali dana yang telah dihimpunnya dari masyarakat dalam bentuk pinjaman atau kredit kepada sektor-sektor usaha riil dalam upaya pengembangan usahanya. Dengan kata lain, melalui fungsi intermediasi yang dijalan-kannya, sektor keuangan haruslah berperan sebagai agen dalam mempercepat pembangu-nan dan meningkatkan pertumbuhan ekonomi, yang pada akhirnya akan meningkatkan ke-sejahteraan masyarakat. Di Indonesia, lembaga keuangan yang paling berperan dalam proses pembangunan tersebut dari waktu ke waktu ialah perbankan, sehingga tidak heran, ledakan krisis sektor perbankan pada tahun 1998 membawa dam-pak yang begitu terasa bagi perekonomian Indonesia. Melihat kondisi ini, dengan sem-boyan "to keep the banks afloat", pemerintah menyiapkan skenario rekapitalisasi dengan biaya sangat besar yang terpaksa harus di-tanggung oleh rakyat demi menyelamatkan sektor tersebut dari terjangan krisis. Tujuan-nya jelas, yaitu untuk memperbaiki tingkat kesehatan bank secara mikro supaya dengan demikian mampu mengembalikan fungsi dasar bank sebagai lembaga intermediasi yang kuat. Namun demikian, perlu disadari bahwa upaya penyehatan perbankan tidak hanya dapat terakomodir melalui skenario rekapi-talisasi yang telah dijalankan. Lingkungan makro ekonomi, serta rangkaian kebijakan bank sentral dan pemerintah yang menyer-tainya juga memainkan peran sangat penting dalam kerangka upaya penyehatan tersebut. Setelah sektor perbankan menjadi lebih sehat, mereka dituntut untuk mampu menjalankan fungsi dasar eksistensi mereka seperti pada masa sebelum krisis, yakni, melakukan inter-mediasi melalui pendanaan untuk memobi-lisasi faktor-faktor produksi yang ada.

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ANALISIS PENGARUH FLUKTUASI NILAI TUKAR KURS INFLASI DAN BI juma 2019

Jurnal Manajemen dan Akuntansi, 2016

This study aims to test the influence of Exchange Rate, Inflation, and BI rate simultaneously, pa... more This study aims to test the influence of Exchange Rate, Inflation, and BI rate simultaneously, partially and also the most dominant influence on the stock price of consumer good industry sector at Indonesia Stock Exchange period 2015-2017. Sample method used is a non-probability sampling method with saturation sampling technique. All population are sampled with the total of 49 companies because researcher used average of stock price or index of consumer good industry sector listed by Indonesia Stock Exchange period 2015-2017. Analysis technique for data uses linear multiple regression and hypothesis testing uses t test and F test with 5% level of significance. The result of research shows that Exchange Rate, Inflation, and BI rate simultaneously have significant influence on the stock price of consumer good industry sector at Indonesia Stock Exchange period 2015-2017. Partially they do not significantly influence on the stock price of consumer good industry sector at Indonesia Stock Exchange period 2015-2017. BI rate is the most dominant variable compared to others. Determination coefficient (Adjusted R 2) is 73,0%, in this case 73,0% shows that variaton of three independent variables with dependent variable can explained in this research, while the rest of 27% explained by the other variables which are not scrutinized in the study. Keywords: exchange rate, inflation, BI rate and stock price PENDAHULUAN Pasar Modal di Indonesia memegang peranan yang sangat penting baik bagi sektor swasta, pemerintah maupun masyarakat. Dengan adanya pasar modal, sektor swasta dapat memanfaatkannya sebagai alternatif pembiayaan usahanya. Bagi pemerintah pasar modal memiliki peranan untuk mengerahkan dana masyarakat guna membiayai pem-bangunan, sedangkan bagi masyarakat pasar modal merupakan alternatif investasi yang dapat memberikan tingkat pengembalian atas pendapatan dari investasi saham maupun pendapatan dari surat berharga lain yang di-perdagangkan di pasar modal (Arif, 2014:64). Berkaitan dengan pasar modal maka harga saham merupakan pintu permulaan pertimbangan kita untuk melakukan investasi, sebab dari harga saham inilah kita mengetahui situasi secara umum. Dewasa ini, harga saham dapat dijadikan barometer kesehatan ekonomi suatu negara dan sebagai landasan analisis statistik (Asih dan Akbar, 2016:45). Afiyati dan Topowijono (2018:145), menyatakan harga saham di Bursa Efek Indo-nesia selalu mengalami fluktuasi. Hal tersebut dapat dipengaruhi oleh beberapa faktor eko-nomi mikro dan ekonomi makro. Faktor eko-nomi mikro merupakan faktor-faktor ekonomi yang berkaitan dengan kondisi internal peru-sahaan sedangkan faktor ekonomi makro me-rupakan faktor-faktor yang ada diluar perusa

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DETERMINAN MINAT MAHASISWA MENJADI ENTREPRENEUR (STUDI PADA MAHASISWA STIE INDONESIA BANJARMASIN

by Masithah Akbar and RR Siti Munawaroh

Jurnal Ilmiah Bisnis dan Keuangan- SPREAD, 2018

This study aims to identify factors that influence student interest to become an entrepreneur tha... more This study aims to identify factors that influence student interest to become an entrepreneur that is attitude, subjective norm and behavior control based on Theory Planned Behavior model, on STIE Indonesia Banjarmasin students. This study used 132 samples from students who have taken entrepreneurship subjects. Data collection using questionnaires and interviews. The analytical method used to test the hypothesis is multiple linear regression. The test results showed that the attitude of influence on student interest to be entrepreneurs, subjective norms do not affect the nterest of students to be entrepreneurs, and behavioral controls affect the student's interest to be entrepreneurs.

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ANALISIS PREDIKSI FINANCIAL DISTRESS MODEL ZMIJEWSKI X-SCORE PADA PERBANKAN UMUM SYARIAH DI INDONESIA PERIODE 2016-2018

Jurnal Manajemen dan Akuntansi, Oct 2020

This study aims to determine the results of financial analysis distress in Islamic sharia banking... more This study aims to determine the results of financial analysis distress in Islamic sharia banking in Indonesia using the 2016-2018 Zmijewski X-Score model. This study uses a quantitative descriptive research design, which is a form of research based on data collected systematically about the facts and properties of the object under study by combining the relationships between the variables involved in it. The data used in the form of secondary data. The sampling technique is using saturated samples so that 14 Islamic banks are obtained as research samples. The results of this study indicate that there are as many as 10 Islamic banks that are in a healthy position in the third year and there are 4 Islamic banks that are in GrayArea even though only one third-year bank is in the gray area of Mega Syariah Bank. all banks that have a result of 0 are included in the Gray area category but if it is smaller than 0 then the bank is in the healthy category while greater than 0 then is in the category of financial distress in this study there are no Islamic banks that experience financial distress.

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