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Financial Knowledge And Financial Behavior Among Educati onal Staff (A Survey on Educational Staff in Universitas Kuningan) Herma Wiharno; Dadang Suhendar; Munir Nur Komarudin
Jurnal Akuntansi dan Pajak Vol 21, No 2 (2021): JAP VOL. 21 No. 02, Agustus 2020 - Januari 2021
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v21i02.1465

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Abtract This study aims to investigate the effect of demographic characteristics on financial knowledge and financial behavior as well as the effect of financial knowledge on financial behavior. The method applied in this study was descriptive and verification method. This study was conducted in Universitas Kuningan with educational staff as the unit of analysis. By applying Stratified Cluster Proportional Random Sampling, 105 educational staff was selected as the sample of this study. The results of descriptive analysis revealed that based on age group, education level, and income level, educational staff with age of >45 years old, education level of S-2, and income level of >Rp. 3 million has a higher level of financial knowledge and financial behavior compared to other educational staff. Meanwhile, the results of verification analysis indicated that education level and income level have a significant effect on financial knowledge and financial behavior, and financial knowledge has a positive effect on financial behavior. Keywords: demographic characteristics, financial knowledge, financial behavior.
ANALISIS PENGARUH RASIO KEUANGAN TERHADAP KINERJA BANK (Studi Kasus pada Perbankan yang Terdaftar di BEI Tahun 2011-2015) Munir Nur Komarudin
Indonesian Journal of Strategic Management Vol 2, No 1 (2019)
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/ijsm.v2i1.1858

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA); pengaruh Non Nerforming Loan (NPL) terhadap ROA; pengaruh Net Interest Margin (NIM) terhadap ROA; pengaruh biaya operasional pendapatan operasional (BOPO) terhadap ROA; pengaruh Loan to Deposit Ratio (LDR) terhadap ROA; pengaruh CAR, NPL, NIM, LDR, BOPO secara simultan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.Metode penelitian yang digunakan adalah metode deskriptif verifikatif.  Pengolahan data dalam penelitian ini menggunakan perhitungan statistik regresi linier berganda. Selanjutnya, untuk mengetahui besarnya pengaruh CAR, NPL, NIM, BOPO dan LDR terhadap ROA menggunakan analisis koefisien determinasi, keberartian koefisien regresi linier berganda diketahui dengan menggunakan uji t. Kemudian untuk mengetahu pengaruh secara simultan menggunakan uji f.Hasil penelitian menunjukkan bahwa CAR tidak berpengaruh terhadap ROA. NPL tidak berpengaruh terhadap ROA. NIM berpengaruh positif dan tidak signifikan terhadap ROA. BOPO berpengaruh negatif dan signifikan terhadap ROA. LDR tidak berpengaruh terhadap ROA. Secara simultan CAR, NPL, NIM, BOPO dan LDR berpengaruh secara signifikan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.  Kata kunci : ROA, CAR, NPL, NIM, BOPO, LDR ABSTRACT This study aims to determine the effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA); The effect of Non Nerforming Loan (NPL) on ROA; The effect of Net Interest Margin (NIM) on ROA; The effect of operational cost of operating income (BOPO) on ROA; The effect of Loan to Deposit Ratio (LDR) on ROA; The effect of CAR, NPL, NIM, LDR, BOPO simultaneously against the ROA of banks listed on the BEI 2011-2015.The research method used is descriptive method verifikatif. Data processing in this study using the calculation of multiple linear regression statistics. Furthermore, to know the effect of CAR, NPL, NIM, BOPO and LDR against ROA using coefficient of determination analysis, multi linier regression coefficient significance is known by using t test. Then to know the effect simultaneously using test f.The results showed that CAR had positive and insignificant effect on ROA. NPL has a negative and significant effect on ROA. NIM has a positive and insignificant effect on ROA. BOPO has a negative and significant effect on ROA. LDR has a positive and significant effect on ROA. Simultaneously CAR, NPL, NIM, BOPO and LDR have a significant effect on the ROA of banks listed in BEI 2011-2015. Keywords: ROA, CAR, NPL, NIM, BOPO, LDR 
PENDAMPINGAN PENGELOLAAN, LEGALITAS DAN DIGITAL MARKETING BUMDes DAN UKM DESA BINAAN MANISLOR, KEC. JALAKSANA KAB. KUNINGAN Lili Karmela Fitriani; Wachjuni Wachjuni; Munir Nur komarudin; Taopik Mulyana Kuntara; Indra Lesmana; Anidathi Layla
Indonesian Collaboration Journal of Community Services Vol. 2 No. 1 (2022): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v2i1.53

Abstract

The potential of the village is something that must be utilized as well as possible to provide progress for the village both culturally and economically. For this purpose, the devotional team of the Faculty of Economics, Universitas Kuningan conducted a mentoring program to BUMDes and UKM Manislor Village, Kec. Jalaksana, Kab. Kuningan, West Java. The goal is that BUMDes can develop to advance villages and SMEs can improve living standards for the better. The mentoring activities are carried out in the form of BUMDes manager training, Product Quality Improvement Training for BUMDes and SMEs, and Business Strategy Building Training through Digital Marketing for BUMDes and SMEs. The delivery of materials and training practices in mentoring to BUMDes and SMEs managers is carried out in the multipurpose building of Manislor village. This activity resulted in 52 SMEs having NIB on the OSS page, having a village SMEs web
OPTIMALISASI KESADARAN WAJIB PAJAK DI DESA SUTAWINANGUN KECAMATAN KEDAWUNG KABUPATEN CIREBON Dadang Suhardi; Munir Nur Komarudin; Deri Prayudi
JURNAL ABDIMAS PLJ Vol 2, No 2 (2022): JURNAL ABDIMAS PLJ, Desember 2022
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/japlj.v2i2.783

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This Community Service (PkM) aims to optimize taxpayer awareness in Sutawinangun Village, Kedawung District, Cirebon Regency. The method used is tax information and socialization introduction, as well as a participatory approach by involving the community in tax education programs. This PkM involves taxpayers consisting of traders, farmers, and informal sector workers. The results of this study show that through an effective participatory approach and tax education, taxpayer awareness can be significantly increased. This is evidenced by the increasing number of taxpayers who pay taxes regularly and the increasing revenue from taxes. Tax information and socialization introduction and a participatory approach in tax education programs are effective strategies to increase taxpayer awareness. In this PkM, several steps are taken to achieve the goal of optimizing taxpayer awareness. First, identification of problems related to low taxpayer awareness and its causes. Next, a tax education program is designed that involves the community in a participatory manner. The program includes providing information on the importance of paying taxes, how to calculate and pay taxes, as well as the benefits of taxes for village development.Keywords: Optimization, Taxpayer Awareness, Property Tax
Pengaruh Kompetensi terhadap Kinerja Pegawai Melalui Motivasi sebagai variabel Mediasi Rina Masruroh; Munir Nur Komarudin; Empat Fatimah
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Vol. 3 No. 1 (2023): Article Research Volume 3 Issue 1, Maret 2023
Publisher : ITScience (Information Technology and Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v3i1.2814

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Penelitian ini bertujuan untuk menguji pengaruh kompetensi pegawai dalam melaksanakan tugasnya di BAPENDA Kabupaten Kuningan dengan menggunakan variabel mediasi yaitu motivasi. Penelitian ini menggunakan 39 sampel responden pegawai BAPENDA Kabupaten Kuningan dengan menggunakan metode survei eksplanatori dengan pendekatan kuantitatif. Teknik pengambilan sampel adalah sampling jenuh. Metode pengumpulan data menggunakan kuesioner (kuesioner). Pengujian hipotesis dalam penelitian ini menggunakan regresi dan pasth analisis. Hasil penelitian ini menunjukkan bahwa kompetensi berpengaruh signifikan terhadap kinerja, kompetensi berpengaruh signifikan terhadap motivasi, motivasi berpengaruh signifikan terhadap kinerja dan kompetensi berpengaruh signifikan terhadap kinerja melalui motivasi sebagai variabel mediasi yang artinya motivasi mampu memediasi pengaruh kompetensi terhadap kinerja.
PENGARUH SIKAP KEUANGAN DAN LITERASI KEUANGANTERHADAP MINAT INVESTASI DI GALERI INVESTASI UNIVERSITAS KUNINGAN Munir Nur Komarudin; Cindy Shelomita; Ayus Ahmad Yusuf; Wildan Permana Zaenal Asikin; Regita Ayu Febiana
E-Prosiding Seminar Nasional Manajemen dan Akuntansi STIE Semarang (SNMAS) Vol 3 No 1 (2023): STIESEM 2023 (International Webinar & Call for Paper) “Utilization of Technology
Publisher : STIE Semarang

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

Abstract

Penelitian ini dilakukan untuk menganalisis sejauh mana pengaruh sikapkeuangan dan literasi keuangan terhadap minat investasi di galeri investasi universitas kuningan. Penelitian menggunakan metode deskriptif dengan pendekatan kuantitatif. Populasi yang akan digunakan sebagai penelitian adalah mahasiswa Universita Kuningan dengan sampel sebanyak 100 responden yang ditentukan dengan menggunakan Teknik Purposive Sampling. Teknik pengumpulan data yang digunakan berupa angket. Analisis data menggunakan uji F dan uji t yang dibantu dengan aplikasi SPSS versi 23 for windows. Hasilpengujian dari hipotesis yang diajukan memperoleh kesimpuan bahwa menunjukan (1) sikap keuangan dan literasi keuangan berpengaruh secara positif dan signifikan terhadap minat investasi (2) Sikap Keuangan berpengaruh secara positif dan signifikan terhadap minat investasi (3) Literasi keuangan berpengaruh secara positif dan signifikan terhadap minat investasi.
Pendampingan Penyusunan Business Plan Melalui Asesmen Kompetensi Pada Warga Belajar PKBM Sadina Kabupaten Garut Deri Prayudi; Munir Nur Komarudin; Dadang Suhardi
Konsienti : Community Services Journal Vol. 2 No. 01 (2024): January
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/konsienti.v2i01.36

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Pusat Kegiatan Belajar Masyarakat (PKBM) Sadina yang terletak di kabupaten Garut, saat ini tercatat memiliki 150 orang warga belajar dengan tujuan dapat terwujudnya masyarakat pembelajar, mandiri dan sejahtera. Umumnya warga belajar di dominasi oleh usia pelajar atau pemuda yang tidak mampu mengikuti dan menyelesaikan Pendidikan di jalur formal. Mereka belum memiliki keahlian lain untuk dapat mengembangkan potensi yang ada pada dirinya. Tidak ada motivasi untuk meningkatkan taraf kehidupannya. Sikap pesimis dan pasrah menjadi sikap mental yang negatif dalam diri mereka. Berdasarkan analisis situasi tersebut, maka diperlukan pendampingan dalam menggagas ide rintisan usaha baru yang dituangkan dalam sebuah dokumen business plan. Metode yang digunakan adalah dengan melakukan asesmen untuk menstimulasi kompetensi diri sendiri melalui interview berbasis perilaku kejadian dan Brainstroming. Dengan pendampingan yang dilakukan, para peserta dapat mengidentifikasi kompetensinya, mengetahui strategi berfikir secara kreatif dan memiliki keahlian menyusun dokumen rencana bisnis dari mulai menghasilkan ide yang kreatif hingga kelayakan suatu bisnis.
THE INFLUENCE OF FINTECH DIGITAL PAYMENT AND P2P LENDING ON INDONESIA’S ECONOMIC GROWTH Yasir Maulana; Munir Nur Komarudin; Wely Hadi Gunawan; Ayus Ahmad Yusuf
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 6, No 3 (2022): IJEBAR, Vol. 6 Issue 3, September 2022
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v6i3.6633

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Studies suggest that financial innovations, or "Fintech," boost GDP. Due to social distance and business operations, fintech digital payment and lending have the edge over conventional financial institutions. Fintech lenders don't require face-to-face meetings. This study examines the influence of Fintech digital payment and peer-to-peer lending on Indonesia's economy. Use OJK statistics on peer-to-peer lending and fintech, Statista data on digital payments, and Bank of Indonesia data on economic growth as secondary sources. Digital Payment and P2P financing have a favorable but small influence on Indonesia's economic development, according to multiple regression. Digital Payments and P2P Lending Explain 88% of Economic Growth.
PENINGKATAN JIWA ENTREPRENEUR BAGI PEMUDA DAN PENGELOLA KARANG TARUNA DI KELURAHAN CIJOHO KABUPATEN KUNINGAN Munir Nur Komarudin; Dadang Suhardi; Deri Prayudi; Rina Masruroh
Jurnal Pengabdian Kepada Masyarakat Vol 2 No 2 (2024): JURNAL PENGABDIAN KEPADA MASYARAKAT (PENGMAS)
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59820/pengmas.v2i2.180

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Abstract Currently, young man is the spearhead of economic improvement in the village or sub-district where they live. Today's youth organizations pay less attention to the entrepreneurial aspect in each of their activities. Therefore, the purpose of this activity is to increase the entrepreneurial spirit for youth or youth managers in Cijoho Village. The methods used are knowledge transfer, discussion and question and answer as well as direct practice with Canva's business model. The results of this study are an increased understanding of the importance of entrepreneurs and understanding of creating a Canva business model. Keywords: entrepreneurship, entrepreneur, bussines model canva
THE INFLUENCE OF FINANCIAL PERFORMANCE ON RETURNS WITH ESG AS AN INTERVENING VARIABLE Iqbal Arraniri; Yasir Maulana; Munir Nur Komarudin; Wely Hadi Gunawan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i2.13192

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The purpose of this study is to examine the effect of financial performance on stock returns by considering sustainability as an intermediate variable. This study uses Structural Equation Model analysis to assess the relationship between ROI, PER, PBV, and OPM variables as a representation of economic fundamentals, ESG variables as a representation of sustainability, and the relationship between Stock Return. The data used in this study are secondary data in the form of financial reports and accountability reports of public companies. The research sample consists of companies that meet the criteria set out in this study. The results of SEM analysis show that there is a significant direct influence between financial performance (ROI, PER, PBV, and OPM) and stock eturns and there is a significant direct influence between ROI, PER, PBV, and OPM and sustainability (ESG). In addition, this study also found that ESG acts as a mediator between economic fundamentals (ROI, PER, PBV, and OPM) and stock returns. The results of this study have important implications for understanding the relationship between economic fundamentals, sustainability and stock performance. This study provides empirical evidence that companies with good financial performance tend to adopt better sustainability practices, which in turn can affect stock returns. Business stakeholders, regulators and investors can use this impact to make more informed and sustainable decisions.