Lucia Iswandari
Universitas Cendekia Mitra Indonesia

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Pengaruh Perilaku Menabung terhadap Perilaku Finansial dan Kepuasan Finansial pada Anggota Koperasi Simpan Pinjam: Apakah Gender menjadi Moderator? Lucia Iswandari
Value : Jurnal Manajemen dan Akuntansi Vol. 20 No. 3 (2025): September - Desember 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v20i3.7764

Abstract

In the midst of the current economic dynamics of society, especially for members of savings and loan cooperatives, individual behavior in managing finances is very important. This study aims to examine the effect of saving behavior on financial behavior that mediates financial satisfaction by considering the moderating role of gender. This study was conducted by taking samples using purposive sampling on active members of savings and loan cooperatives in the Special Region of Yogyakarta. The analysis method of this research used a regression approach by applying PROCESS Macros Ver. 5.0 for SPSS. The results of the study indicated that saving behavior has a positive and significant effect on financial behavior, and financial behavior has a significant effect on financial satisfaction. However, the direct and indirect effects of saving behavior on financial satisfaction was not significant. In addition, a gender moderation effect was found, where the relationship between savings behavior and financial behavior was stronger in female than in male respondents. The results of this study encourage the development of financial education that not only emphasizes savings, but also the formation of healthy financial behavior, by considering differences in gender characteristics.
Analisis Pengaruh Inflasi, Suku Bunga dan Nilai Tukar terhadap Return Saham Perusahaan Sektor Energi yang Terdaftar di Bursa Efek Indonesia periode 2020-2024 Adek Sekar Galuh Ajeng; Lucia Iswandari
EXERO : Journal of Research in Business and Economics Vol 8, No 1 (2025)
Publisher : Fakultas Ekonomi, Universitas Sanata Dharma Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24071/exero.v8i1.14808

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh inflasi, suku bunga, dan nilai tukar terhadap return saham pada perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia (BEI) periode 2020-2024. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis regresi linier berganda. Jenis data yang digunakan adalah data sekunder. Sampel dalam penelitian ini terdiri dari 7 perusahaan sektor energi yang diperoleh menggunakan teknik purposive sampling. Teknik analisis data yang digunakan adalah analisis regresi linier berganda dengan menggunakan uji asumsi klasik dan uji hipotesis. Hasil penelitian menunjukkan bahwa secara parsial inflasi berpengaruh tidak signifikan terhadap return saham, sedangkan suku bunga dan nilai tukar secara parsial berpengaruh signifikan terhadap return saham. Secara simultan, inflasi, suku bunga, dan nilai tukar berpengaruh signifikan terhadap return saham