Articles
The Effect of Financial Literacy on Academic Achievement: Financial Management as A Mediation Variable
Septiani, Putri;
Helmi, Sulaiman;
Gunarto, Muji
Novatio : Journal of Management Technology and Innovation Vol. 2 No. 4 (2024): October 2024
Publisher : Indonesian Scientific Publication
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DOI: 10.61978/novatio.v2i4.496
This study is motivated by the importance of financial literacy in students' lives, especially in influencing their academic performance. Students with a good understanding of financial literacy tend to be more able to manage finances effectively, contributing to better academic achievement. This study aims to analyze the effect of financial literacy on student academic achievement: financial management as a mediating variable. The approach used in this research is quantitative using a survey method. The research sample consisted of 100 active students of Bina Darma University, who were selected using a non-probability sampling technique. Data was processed using Structural Equation Modeling (SEM) analysis through SmartPLS 4.0. The results showed that (1) financial literacy has a significant effect on student academic achievement, (2) financial literacy has a significant effect on financial management, (3) financial management has a significant effect on student academic achievement, and (4) financial management acts as a mediating variable in the relationship between financial literacy and student academic achievement. This finding confirms that an increase in financial literacy must be accompanied by good financial management skills to positively impact students' academic performance. Therefore, universities are expected to provide more intensive financial education to help students manage their finances more effectively.
The Effect of Digital Transformation on University Brand Image with Ownership as a Moderating Variable
Julita, Julita;
Helmi, Sulaiman;
Gunarto, Muji;
Sartika, Dewi
International Journal of Finance Research Vol. 5 No. 1 (2024): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)
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DOI: 10.47747/ijfr.v5i1.1695
The digital era demands transformation from universities, including private ones. However, the effectiveness of digital transformation on university brand image can be strengthened by ownership. This research investigates the impact of digital transformation on the university's brand image, with ownership as a moderating variable. Using random sampling, we analyzed 45 private universities affiliated with Private Universities in Indonesia Region 2A. This exploratory study employed a quantitative method. The results indicate a significant positive relationship between digital transformation and university brand image, suggesting an enhancement of the university's reputation in the eyes of the public. However, the study also reveals that ownership does not mediate the relationship between digital transformation and university brand image. This suggests that each university may have different Ownership Competencies, especially in decision-making regarding digital transformation. The conclusion of this research indicates that digital transformation affects university brand image. However, specifically in the case of universities in LLDIKTI Region 2, ownership does not moderate the effects of digital transformation on university brand image. It is recommended that this research be continued using mixed methods to explore ownership moderation or test it in other regions' universities.
Analysis of the Effect of Frugal Living on Employee Financial Management in Achieving Financial Freedom
Hartantri, Rizki;
Setyadi, Bakti;
Gunarto, Muji
International Journal of Finance Research Vol. 5 No. 1 (2024): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)
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DOI: 10.47747/ijfr.v5i1.1700
Employees are advised to apply the concept of frugal living or save at all costs to break the chain of debt that could endanger their financial condition. Employees may achieve financial freedom more quickly by practicing frugal living from an early age and managing finances well. Planning for financial freedom is essential because one day, people will lose their ability to work. This research collected data from 150 employee respondents who worked in private or civil agencies. The uniqueness of this research lies in the data processing method; it is known that the t-test value for the frugal living variable has a value of 56,85, which is greater than the t-table of 1.66. This means that the research results show that the Frugal Living lifestyle significantly affects employee financial management. In contrast, the relationship between financial management and financial freedom has no significant effect. Apart from that, the relationship between Frugal Living and financial freedom also does not have a significant effect. This research contributes to increasing insight for employees to implement the Frugal Living lifestyle in achieving financial freedom at an early age
The Influence of Workload, Job Satisfaction, and Communication on the Performance of Support Service Workers at Pertamina Abab Dewa Raja Field
Nurjanah, Rina;
Hasmawaty, Hasmawaty;
Gunarto, muji
International Journal of Finance Research Vol. 5 No. 1 (2024): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)
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DOI: 10.47747/ijfr.v5i1.1703
This study aims to understand and analyze the relationship between the influence of workload, job satisfaction, and communication on the performance of support service workers at Pertamina Abab Dewa Raja Field. The population in this study consists of support service workers (TKJP) selected randomly, involving 70 individuals, with a breakdown of 35 contact support workers and 35 workers from production contracts. The data collection technique involves questionnaires, and the multiple regression analysis technique is processed with statistical software. Data analysis techniques involve data verification, questionnaire management, and data processing: (a) data validity test, (b) data reliability test, (c) multiple linear regression test, and (d) hypothesis testing. The data analysis process used statistical formula applications to facilitate researchers' processing and interpreting data.
Effects of Social Media Marketing on Vegetarian Food Literacy and Post-Purchase Decision
Sherwin, Nadya Sherwin;
Helmi, Sulaiman;
Gunarto, Muji;
Trisninawati, Trisninawati
International Journal of Finance Research Vol. 5 No. 1 (2024): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)
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DOI: 10.47747/ijfr.v5i1.1706
This study aims to determine and analyze the effect of social media on vegetarian food literacy, the effect of vegetarian food literacy on purchasing decisions, and the components of the AISAS model that most effectively influence consumer purchasing decisions. This study involved 158 respondents. Respondents consisted of Generation Y and Z in Palembang, who were selected using the purposive sampling quota technique. Data collection was carried out using an online questionnaire. SEM-PLS analysis in this study was used to analyze the direct influence of social media on vegetarian food literacy and consumer purchasing decisions based on AISAS modeling. The results of this study indicate that social media has a significant and positive effect on consumers' attention, interest, and search factors. The share factor is the most influential factor in consumer purchasing decisions and on vegetarian products. The influence given by influencer testimonials and friends is considered the most effective in attracting other consumers to buy. This can be a reference for vegetarian food businesses to find the most effective marketing methods to attract consumer purchasing decisions
The Influence of Work Stress and Workload on Work Motivation and Its Impact on the Performance of Class II Land Transportation Management Center Employees in South Sumatra
Riduan, M;
Helmi, Sulaiman;
Gunarto, Muji;
Trisninawati, Trisninawati
International Journal of Finance Research Vol. 5 No. 2 (2024): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)
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DOI: 10.47747/ijfr.v5i2.1743
This study provides valuable insights into the impact of work stress and workload on work motivation and subsequent employee performance at the Class II Land Transportation Management Center in South Sumatra. Employing a quantitative approach with a descriptive research design, the survey method is used to collect data, aligning with the positivist philosophy. Data is gathered through a structured questionnaire administered at the Office of Class II South Sumatra Land Transportation Management Hall from January to February. Results reveal a negative influence of work stress and workload on employee performance, although work motivation shows no significant correlation. Nevertheless, work motivation positively affects employee performance, independent of work stress and workload. These findings have practical implications for improving workplace conditions and enhancing employee productivity and job satisfaction. Recommendations for future research include further exploration of potential mediating factors, in-depth investigations into strategies for reducing work stress and workload, longitudinal studies to track changes in work motivation and performance, and comparative analyses with similar offices to gain insights into transportation sector dynamics
Evaluating the Impact of Service Quality and Trust on Customer Loyalty in Financial Institutions
Rapita, Rapita;
Gunarto, Muji;
Helmi, Sulaiman;
Elpanso, Efan
International Journal of Finance Research Vol. 5 No. 3 (2024): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)
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DOI: 10.47747/ijfr.v5i3.1981
This study was conducted at PT. Permodalan Nasional Madani (PNM) Unit Ilir Timur 2-2 Palembang to measure the effect of service quality and trust on customer satisfaction and its impact on customer loyalty. The background of this study is based on the rapid economic development in Indonesia, which drives an increase in the financial needs of the community, making the role of financing institutions increasingly important. The purpose of this study is to explore how service quality, trust, and satisfaction affect customer loyalty. The method used is a quantitative method with a positivistic approach, utilizing multiple linear regression analysis. Data were obtained from 100 respondents selected using purposive sampling techniques. The results of the study indicate that service quality has a significant effect on customer loyalty, with a regression coefficient of 0.763 and a significance value of 0.000. However, customer trust and customer satisfaction do not show a significant effect on loyalty in this model. Therefore, it is recommended that PT. PNM focuses more on improving service quality to strengthen customer loyalty, while trust and satisfaction should still be considered through a more specific approach and measurement. The study concludes that although service quality is a major factor in building loyalty, it is important for companies not to ignore the role of trust and satisfaction in the long term
Analisis Kinerja Keuangan Menggunakan Metode EVA dan MVA Terhadap Return Saham Yang Dimoderasi Oleh Ukuran Perusahaan
Permatasari, Yiswi Oktavia;
Gunarto, Muji
Jurnal Ilmu Sosial, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2023): Jurnal Ilmu Sosial, Manajemen, Akuntansi dan Bisnis
Publisher : Training & Research Institute - Jeramba Ilmu Sukses
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DOI: 10.47747/jismab.v4i3.1654
Research aim: This study was structured to analyze the effect of financial performance using the EVA and MVA methods on stock returns by including company size as a moderating variable. Design/Methode/Approach: The study uses a quantitative approach. The population of this study is food and beverage sub-sector companies listed on the Indonesia Stock Exchange (IDX) for the 2021-2022 period, using a purposive sampling technique to obtain a total sample of 27 companies and analyzed with the SEM-PLS approach to test the hypothesis. Research Finding: The results of the study found that company performance significantly affects stock returns using the EVA and MVA methods. However, firm size does not affect stock returns, so the variable firm size cannot moderate financial performance using the EVA and MVA methods on stock returns. This proves that the company has not been able to create added value, and company size cannot determine the continuity of a company's business. Theoretical contribution/Originality: Research is expected to expand knowledge in the field of finance and can be used as a reference in conducting further research. Practitioner/Policy implication: The study's results are expected to be a consideration and input in improving performance, especially in making policies oriented to increasing corporate value in the future. Research limitation: The research is only limited to Economic Value Added (EVA) and Market Value Added (MVA) variables; there are still many interesting value-added variables that can motivate future researchers to use other variables such as the Cash Value Added method, Refined Economic Value Added, Financial Value Added and so on.
Pengaruh Pengembangan Karier Terhadap Kinerja Pegawai Dengan Kompetensi Sebagai Variabel Intervening
Musfiratun, Musfiratun;
Gunarto, Muji;
Geraldina, Ira
Jurnal Ilmu Sosial, Manajemen, Akuntansi dan Bisnis Vol. 5 No. 1 (2024): Jurnal Ilmu Sosial, Manajemen, Akuntansi dan Bisnis
Publisher : Training & Research Institute - Jeramba Ilmu Sukses
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DOI: 10.47747/jismab.v5i1.1759
This study aimed to determine whether career development positively impacts employee performance, with competence as an intervening variable (Paser District Health Department case study). Quantitative techniques are used in this study. This cohort consisted solely of Pacer's District Health Department staff, with 203 staff members. The sampling technique was proportionally stratified random samples. The sample included 103 employees. The data collection method used is a questionnaire with a Likert scale of 1-5. The data analysis technique uses a partial least squares (PLS) approach using SmartPLS software. The results of this study show that career development has a positive and significant impact on employee performance and that career development has a positive and significant impact on competency. That competency has a positive and significant impact on employee performance. Giving and showing that career development has a positive and significant impact. Impact on employee performance positively and significantly impacts employee performance through ability as an intervening variable. Thus, we can see that employee career development, supported by the right competencies, can support the achievement of improved performance
Peran Sikap, Risiko, dan Kebijakan Pemerintah dalam Mendorong Niat Pembelian Mobil Listrik di Kota Palembang
Armanto, Rully;
Rasjid, Abdullah;
Gunarto, Muji
Jurnal Nasional Manajemen Pemasaran dan SDM Vol. 6 No. 2 (2025): Jurnal Nasional Manajemen Pemasaran & Sumber Daya Manusia
Publisher : Training & Research Institute - Jeramba Ilmu Sukses
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DOI: 10.47747/jnmpsdm.v6i2.2833
This study aims to analyze the influence of attitude, risk perception, and government policy on the intention to purchase electric cars in Palembang City. Referring to the Stimulus-Organism-Response (SOR) theoretical framework, this study posits that risk perception and policy serve as a stimulus, attitude as an organism, and purchase intention as a response. This study uses a quantitative approach with a survey method on 135 respondents who have the potential to be electric car buyers. The results of the study indicate that risk perception does not have a significant effect on attitude or purchase intention. In contrast, government policy and environmental concerns have a significant positive effect on attitude, while relative advantage also has a strong contribution. Consumer attitudes have been shown to have a significant effect on forming the intention to purchase electric cars. The conclusion of this study confirms that the strategy for adopting electric cars needs to be focused on strengthening positive consumer attitudes through policy incentives, environmental education, and promotion of the benefits of electric vehicles. Managerially, the government needs to expand fiscal and non-fiscal policies and accelerate the development of supporting infrastructure. Manufacturers and automotive industry players are also expected to increase marketing campaigns based on environmental values and operational efficiency to increase the attractiveness of the electric vehicle market.