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All Journal Warmadewa Economic Development Journal (WEDJ) Account : Jurnal Akuntansi, Keuangan dan Perbankan
Heidy Puspa Alyssa
Politeknik Negeri Jakarta
Economics, Econometrics & Finance

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Pembentukan Portofolio Optimal melalui Single Index Model pada IDX MES BUMN 17 Annis Maulina Kusy; Heidy Puspa Alyssa
Warmadewa Economic Development Journal (WEDJ) Vol. 8 No. 2 (2025): Warmadewa Economic Development Journal (WEDJ)
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.8.2.2025.70-77

Abstract

This study aims to construct an optimal portfolio of stocks listed in the IDX MES BUMN 17 index using the Single Index Model (SIM). Data were obtained from 15 state-owned enterprises selected through purposive sampling for the period from May 2020 to May 2025. The analysis involved calculating actual return, beta, excess return, Excess Return to Beta (ERB) ratio, and cut-off rate (C*). The results indicate that eight stocks—BRIS, ANTM, PGAS, PTBA, JRPT, TINS, ELSA, and IPCC—meet the eligibility criteria for inclusion in the optimal portfolio, as their ERB values exceed the cut-off rate. The constructed portfolio yielded a return of 2.3% and a risk level of 1.61%, outperforming the market return of 0.67% while maintaining a tolerable risk level. These findings suggest that the SIM is an effective method for developing efficient investment strategies in state-owned enterprise stocks.
Peran Literasi Keuangan Digital terhadap Ketangguhan Manajemen Keuangan Keluarga Sandhika Cipta Bidhari; Heidy Puspa Alyssa; Kayila Azzahra; Imelda Nadya Sawitri
Warmadewa Economic Development Journal (WEDJ) Vol. 9 No. 1 (2026): Warmadewa Economic Development Journal (WEDJ)
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.9.1.2026.1-8

Abstract

The digital transformation has fundamentally changed household financial management through the penetration of financial technology such as e-wallets, e-banking services, and digital-based financial applications. This study aims to analyze the influence of digital financial literacy on family financial management effectiveness by developing an applied quantitative model framework that combines digital literacy dimensions and financial management indicators comprehensively. The research used an associative quantitative approach with survey method on 30 employees of the Social Service for Women's Empowerment and Child Protection of Mojokerto Regency who actively use digital financial services. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM) approach with SmartPLS version 3.0 software. The results showed that digital financial literacy has a significant but complex influence on family financial management effectiveness. Financial technology knowledge (? = 0.210) and digital financial risk understanding (? = 0.090) contribute positively, while digital money knowledge (? = -0.032) shows negative influence indicating potential consumptive risk from easy access to digital transactions. The structural model produces an R-square value of 0.075, indicating that 7.5% of variation in family financial management can be explained by the three digital financial literacy constructs. This research contributes theoretically by developing a more nuanced understanding of the relationship between digital financial literacy and household financial behavior, showing that not all aspects of digital literacy contribute positively to financial management.
Analisis Pemanfaatan Artificial Intelligence dalam Mendukung Efisiensi dan Keberlanjutan Operasional Bisnis Desyria Pratiwi; Yusrina Alyani Tamimi; Heidy Puspa Alyssa
ACCOUNT: Jurnal Akuntansi, Keuangan dan Perbankan Vol 13 No 1 (2026): Edisi Juni 2026
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/account.v13i1.8407

Abstract

The quick improvement of Manufactured Insights (AI) innovation has altogether changed advanced commerce operations. This ponder pointed to analyze the utilization of Counterfeit Insights in supporting operational proficiency and trade maintainability. The inquire about utilized a subjective clear approach utilizing writing consider strategies. Information were collected through writing audit of 20 significant diaries and logical articles, documentation of AI utilization, and coordinate perception through free utilize of AI apparatuses such as ChatGPT and robotization frameworks. Information investigation procedures included coding, categorization, and elucidation. The discoveries uncovered that AI execution contributed emphatically to operational effectiveness through mechanization, time investment funds, taken a toll diminishment, expanded work exactness, and minimization of human blunder. AI too upheld commerce maintainability through digitalization, paperless frameworks, and optimization of asset utilization. Be that as it may, a few challenges were recognized, counting web reliance, information security dangers, and the require for human asset adjustment. The think about concluded that Manufactured Insights incorporates a key part in making effective, exact, and feasible trade operations. Keywords: Artificial Intelligence; Operational Efficiency; Sustainability; Automation; Business Digitalization
Co-Authors Annis Maulina Kusy Desyria Pratiwi Imelda Nadya Sawitri Kayila Azzahra Sandhika Cipta Bidhari Yusrina Alyani Tamimi