• Manajemen Keuangan Daerah
• Matematika Bisnis
• Teknik Proyeksi Bisnis
• Manajemen Keuangan Daerah
• Manajemen Investasi Dan Keu. Derivatif
• Perpajakan
• Risk Management
• Ekonomi Manajerial
• Teori Ekonomi (Makro&Mikro)
• Akuntansi Manajemen
• Riset Keuangan
• Penganggaran Perusahaan
• Riset Bisnis
• Flexibility Management
• Manajemen Strategi Sektor Publik
• Metodologi Penelitian Bisnis
• Aplikasi Teori Ekonomi Di Bidang Manajemen
• Seminar Prop.Penelitian Mnj. Keu.
• Riset Pemasaran
• Manajemen Investasi Dan Pasar Modal
• Akuntansi Biaya
• Bisnis Riset Lanjutan
• Fundamentals Of Financial Management
• Studi Kelayakan Bisnis
• Filsafat Ilmu Dan Sejarah Pemikiran Manajemen

S1 – Akuntansi, STIE MalangKucecwara
S2 – Manajemen, Universitas Gadjah Mada
S3 – Ilmu Ekonomi, Universitas Airlangga

• Ikatan Sarjana Ekonomi Indonesia (ISEI)
• Tim QualityAssurance Kegiatan LKD, KKD dan KKDK

• Manajemen Investasi dan Keuangan Derivatif
• Manajemen Keuangan Daerah
• International Finance
• Manajemen Operasional
• Manajemen Operasional Strategik

• Ikatan Sarjana Ekonomi Indonesia (ISEI)

• Ratnawati, Kusuma. (2023). 184 Financial Inclusion And Its Impact On Performance Of Msmes With Efficiency And Financial Flexibility As Mediation: Empirical Evidence From Malang City. CRC Press.
• Ratnawati, Kusuma. (2023). Pengaruh Dukungan Organisasi Terhadap Komitmen Organisasional Dan Kinerja Anggota. Jurnal Kewirausahaan Dan Inovasi.
• Ratnawati, Kusuma. (2023). The Influence Of Financial Literacy And Financial Attitude On Financial Management Behavior: A Study On Culinary Micro Smes In Rawamangun Urban Village, East Jakarta City. International Journal of Research in Business and Social Science.
• Ratnawati, Kusuma. (2022). Financial Inclusion And Its Impact On Performance Of Msmes With Efficiency And Financial Flexibility As Mediation: Empirical Evidence From Malang City. Contemporary Research on Business and Management.
• Ratnawati, Kusuma. (2022). Volatility Spillover In Stock Market, Foreign Exchange, And Bond Market In Asia. Contemporary Research on Management and Business.
• Ratnawati, Kusuma. (2022). Analysis For Financial Management Regulations As Medi-Ation The Effect Between Human Resources Development On The Performance Of Regional Government Financial Management. Multicultural Education.
• Ratnawati, Kusuma. (2022). The Impact Of Financial Inclusion On National Development And National Financial System Stability. HOLISTICA–Journal of Business and Public Administration.
• Ratnawati, Kusuma. (2022). Influence Of Intellectual Capital On Operational Performance Through Innovation Capability In Indonesia’S Defence Industry. Media Ekonomi Dan Manajemen.
• Ratnawati, Kusuma. (2022). The Influence Of Corporate Social Responsibility On Firm Value Through Corporate Reputation And Financial Performance. Jurnal Aplikasi Manajemen.
• Ratnawati, Kusuma. (2022). The Role Of Digital Financial Literacy On Firm Performance In Micro Industry. ICCD.
• Ratnawati, Kusuma. (2022). Sustainable Product: Endless Campaign For A Healthy Life. ICCD.
• Ratnawati, Kusuma. (2022). Visualization Sustainable Competitive Advantage: A Bibliometric Analysis. Atlantis Press.
• Ratnawati, Kusuma. (2021). The Effect Of Experie. Management Science Letters.
• Ratnawati, Kusuma. (2021). The Effect Of Experience Quality On Behavioral Intention To An Island Destination: The Mediating Role Of Perceived Value And Happiness. Accounting.
• Ratnawati, Kusuma. (2021). The Effect Of Profitability, Firm Size, Liquidity, Sales Growth On Firm Value Mediated Capital Structure.
• Ratnawati, Kusuma. (2021). Teacher Work Engagement In Inclusive School. Jurnal Aplikasi Manajemen.
• Ratnawati, Kusuma. (2021). The Effect Of Green Marketing Strategy On Customer Loyalty Mediated By Brand Image. JBTI: Jurnal Bisnis: Teori Dan Implementasi.
• Ratnawati, Kusuma. (2021). Pengaruh Profitabilitas, Ukuran Perusahaan, Likuiditas, Pertumbuhan Penjualan Terhadap Nilai Perusahaan Dimediasi Struktur Modal (Studi Pada Perusahaan Food And Beverage Yang Terdaftar Di Bei). Universitas Brawijaya.
• Ratnawati, Kusuma. (2021). Pengaruh Ketrampilan, Karakteristik, Kajian Analis Terhadap Keputusan Investasi Dimediasi Kinerja Dan Dimoderasi Aura Relijiusitas (Studi Pada Reksa Dana Syariah Di Indonesia). Universitas Brawijaya.
• Ratnawati, Kusuma. (2021). Does Adaptive Marketing Capabilities Mediate The Association Between Market Orientation And Marketing Performance?. Contemporary Research on Business and Management.
• Ratnawati, Kusuma. (2021). The Relationship Among Job Demand, Job Satisfaction, And Job Burnout Of Bank Employees In Malang. Contemporary Research on Business and Management.
• Ratnawati, Kusuma. (2020). The Impact Of Financial Inclusion On Economic Growth, Poverty, Income Inequality, And Financial Stability In Asia. The Journal of Asian Finance, Economics and Business.
• Ratnawati, Kusuma. (2020). Roles Of Capital Adequacy And Liquidity To Improve Banking Performance. The Journal of Asian Finance, Economics and Business.
  Ratnawati, Kusuma. (2020). The Influence Of Financial Inclusion On Msmes’ Performance Through Financial Intermediation And Access To Capital. The Journal of Asian Finance, Economics and Business.
• Ratnawati, Kusuma. (2020). Minat Berwirausaha Dari Mahasiswa Di Nusa Tenggara Timur. Jurnal Ekonomi Dan Bisnis.
• Ratnawati, Kusuma. (2020). The Effect Of Digital Literacy To Behavioral Intention With Ict Self-Efficacy As Variable Moderation (Studies In Gopay Users In Malang). Atlantis Press.
• Ratnawati, Kusuma. (2020). Adaptive Marketing Capabilities On Marketing Performance (Study On Smes Creative Economy Sector). Atlantis Press.
• Ratnawati, Kusuma. (2020). Understanding Country Risk Toward Foreign Direct Investment Moderated By Ease Of Doing Business Ranking (Study In Asean (Indonesia, Malaysia, Thailand, Philippines, And Vietnam)). Jurnal Aplikasi Manajemen.
• Ratnawati, Kusuma. (2020). Determinants Of Behavioral Intention To Use Digital Wallet (A Study In Gopay Users In Malang). Atlantis Press.
• Ratnawati, Kusuma. (2020). Identification Of The Dimensions Of Bank 4.0 Experiential Quality Based On Millennial Customer Perceptions. APMBA (Asia Pacific Management and Business Application).
• Ratnawati, Kusuma. (2020). Entrepreneurial Marketing. Universitas Brawijaya Press.
• Ratnawati, Kusuma. (2019). The Role Of Knowledge Management In Organizational Performance: Case Study Of University Of Malang, Indonesia. (Problems and Perspectives in Management , –, 2019, 1, hal 293-299).
• Ratnawati, Kusuma. (2019). The Roles Of Cost Of Capital, Corporate Governance, And Corporate Social Responsibility In Improving Firm Value: Evidence From Indonesia. Investment Management & Financial Innovations.
• Ratnawati, Kusuma. (2019). Kartika Hendra Titisari (Indonesia), Moeljadi (Indonesia)..
• Ratnawati, Kusuma. (2019). The Influence Between Entrepreneurial Orientation And Organization Performance Role-Playing Organization And Competitive Advantage As A Mediation Variable. Journal of Engineering and Applied Science.
• Ratnawati, Kusuma. (2019). The Effect Of Work Stress On The Performance Of Employees Psychological Well-Being And Subjective Well-Being (Study At Pt. Global Insight Utama Bali Area). MEC-J (Management and Economics Journal).
• Ratnawati, Kusuma. (2019). Board Size And Gender Diversity On Boardrooms And Its Impact Of Corporate Risk Taking: Evidence From Indonesia. APMBA (Asia Pacific Management and Business Application).
• Ratnawati, Kusuma. (2018). The effect of capital working management on the profitability ,Jurnal Keuangan dan Perbankan , 22,(1) , hal 94-102.
• Ratnawati, Kusuma. (2018). Influence of fundamental factors on dividend payout policy: study on construction companies listed on Indonesian stock exchange ,WACANA, Jurnal Sosial dan Humaniora , 21(1) , hal 20-25.
• Ratnawati, Kusuma. (2018). The Effect of GDP, Inflation, Exchange Rate, Interest Rate on Stock Price Index In Early Warning System: An Empirical Study In ASEAN-5 Countries ,Archives of Business Research (ABR) , 6(3) , hal 59-68.
• Ratnawati, Kusuma. (2018). CHRISTIAN VALUES IN OPERATIONAL FINANCING DECISIONS ,Jurnal Aplikasi Manajemen , 16(4).
• Ratnawati, Kusuma. (2018). Analysis of Volatility and Turnover on the Disposition Effect in the Indonesian Stock Exchange ,KnE Social Sciences , 3(10) , hal 384-395.
• Ratnawati, Kusuma. (2018). FACTORS AFFECTING EMPLOYEE PERFORMANCE IMPROVEMENT ON FINANCE COMPANIES ,Jurnal Aplikasi Manajemen , 16(2) , hal 192-204.
• Ratnawati, Kusuma. (2018). PENGARUH VARIABEL MAKROEKONOMI DAN HARGA SAHAM ASING TERHADAP INDEKS HARGA SAHAM GABUNGAN ,Jurnal Bisnis dan Manajemen , 5(1).
• Ratnawati, Kusuma. (2018). PENGARUH TOTAL QUALITY MANAGEMENT (TQM) TERHADAP KINERJA KARYAWAN DENGAN MEDIASI KEPUASAN KERJA ,Jurnal Bisnis dan Manajemen , 5(1).
• Ratnawati, Kusuma. (2018). Influence of Framing Information and Disposition Effect in Decision of Investment: Experimental Study on Investor Behavior at Indonesia Stock Exchange Representative on Denpasar, Bali ,International Review of Management and Marketing , 8(3) , hal 59-68.
• Ratnawati, Kusuma. (2017). Using Social Media Mining to Understand Public Opinion Towards Destination Image. The Asia Pacific Management and Business Application, Volume 5, 3^rd Edition, Year 2017
• Ratnawati, Kusuma. (2017). THE EFFECT OF GREEN MARKETING THROUGH CORPORATE SOCIAL RESPONSIBILITY AND BRAND IMAGE ON THE PURCHASE INTENTION OF THE BODY SHOP CUSTOMERS IN MALANG ,RJOAS , 5 ,2017 ,5 , hal 212-222.
• Ratnawati, Kusuma. (2017). Empirical Study of Effects of Local Financial Structure on Regional Economic Growth (Studies Conducted in Regencies in the Province of East Java, Indonesia) ,Australian Academy of Accounting and Finance Review , 3 ,2017 ,2 , hal 85-97.
• Ratnawati, Kusuma. (2017). The Impact of Macro Economy on Stock Price Index: An Empirical Study of Five ASEAN Countries ,Global Journal of Business and Social Science Review , 5 ,2017 ,2 , hal 40-45.
• Ratnawati, Kusuma. (2017). Euphoric of complaint behavior in new cyberspace era and democratic climate progression ,International Journal of Applied Business and Economic Research , – ,2017 ,18 , hal 173-182.
• Ratnawati, Kusuma. (2016). Leverage, Free Cash Flow, and Interest Rates Influence of Stock and Financial Performance as Interverning Variables (Study on Manufacturing Listed in Indonesia Stock Exchange). International Journal of Business and Management Inventiont (IJBMI),Volume 5, Issue 2, Year 2016
• Ratnawati, Kusuma. (2016). Pengaruh Manajemen Modal Kerja Terhadap Profitabilitas Perusahaan Non Keuangan Yang Terdaftar Di Bursa Efek Indonesia ,WACANA, Jurnal Sosial dan Humaniora , 19 ,2016 ,2 , hal 82-91.
• Ratnawati, Kusuma. (2016). Speed of Leverage Adjustment (A Study on Manufacture Companies Listed in Indonesian Stock Exchange) ,IJournals: International Journal of Social Relevance & Concern , 4 ,2016 ,11 , hal 22-30.
• Ratnawati, Kusuma. (2016). Leverage, Free Cash Flow, and Interest Rates Influence of Stock Return and Financial Performance as Intervening Variables (Study on Manufacturing Industry Listed in Indonesia Stock Exchange) , International Journal of Business and Management Invention , 5 ,2016 ,2 , hal 28-30.
• Ratnawati, Kusuma.(2016). The Impact of Macro Economy on Stock Price Index: An Empirical Study of Five ASEAN Countries. Global Journal of Business & Social Science Review, Volume 4 (4), Year 2016
• Ratnawati, Kusuma. (2015). Dynamic Relationship Between Exchange Rates and Stock Prices in Asia, 2009-2013, Journal of Economics, Finance, and Accounting, 2, 2015, 3, hal 440-447.
• Ratnawati, Kusuma. (2015). Pengaruh Variabel Fundamental dan Makroekonomi pada Struktur Modal dan Nilai Perusahaan (Studi pada Perusahaan Property dan Real Estate di BEI), Jurnal Akuntansi Bisnis dan Manajemen, 22, 2015, -, hal –.
• Ratnawati, Kusuma. (2015). THE EFFECT OF GOVERNMENT ROLE AS A MEDIATION VARIABLE IN THE RELATIONSHIP BETWEEN ORIENTATION ENTREPRENEURSHIP, INNOVATION, AND MARKET ORIENTATION ON BUSINESS PERFORMANCE (CASE STUDY: TUTUL VILLAGE, JEMBER, EAST JAVA) , inIternational Journal of Business, Economics and Law, 8, 2015, -, hal –.
• Ratnawati, Kusuma. (2015). FACTORS AFFECTING FIRM VALUE: RELATIONSHIP BETWEEN SOCIAL RESPONSIBILITY AND CORPORATE GOVERNANCE TO FIRMS VALUE ON PUBLIC MANUFACTURING INDUSTRIES (THEORETICAL STUDY) ,INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY EDUCATIONAL RESEARCH, 4, 2015, -, hal –.
• Ratnawati, Kusuma. (2014). The Influence of Manager Abilities on Sharia Mutual Fund Performance (Study in Indonesia Sharia Mutual Fund), International Journal of Business and Management Inventiont (IJBMI), Volume 3, Issue 12, Year 2014.
• Lihat publikasi selengkapnya di sini.