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Pengaruh Financial Knowledge, Financial Attitude, Locus Of Control dan Income Terhadap Financial Management Behavior (Studi Kasus pada ASN di Kabupaten Magetan) Damaiyanti, Arif Fera; Haryono, Nadia Asandimitra; Hartono, Ulil
Economic and Education Journal (Ecoducation) Vol 6 No 2 (2024): Economic and Education Journal (Ecoducation)
Publisher : Program Studi Pendidikan Ekonomi, Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v6i2.4779

Abstract

Tujuan dari penelitian ini adalah untuk menyelidiki bagaimana pengetahuan keuangan, sikap keuangan, locus of control, dan pendapatan berdampak pada tindakan pengelolaan keuangan pada Aparatur Sipil Negara (ASN) di Kabupaten Magetan. Metode purposive sampling digunakan untuk meneliti ASN Non Guru dengan pendapatan dari gaji dan TPP. Kuesioner dikirim ke 317 orang secara online dan offline. Penelitian ini menggunakan pendekatan kuantitatif yang menggunakan Structural Equation Modeling (SEM) pada program AMOS. Hasilnya menunjukkan bahwa pengetahuan tentang keuangan, sikap keuangan, locus of control, dan pendapatan memengaruhi tindakan pengelolaan keuangan. Sebagian besar responden berusia di atas 30 tahun, memiliki pendapatan tetap antara Rp.4.500.000 dan Rp.6.900.000, dan sudah menikah, yang menunjukkan pola pikir yang baik tentang membuat keputusan keuangan. Dengan pengetahuan keuangan, responden selektif dalam pengeluaran dan membandingkan produk lembaga keuangan dan investasi yang sesuai dengan pendapatan mereka. Dengan pendapatan tetap yang tidak terlalu besar, responden cenderung lebih bertanggung jawab dan mengutamakan kebutuhan daripada keinginan dalam pengeluaran mereka.
Pengaruh Financial Literacy, Financial Self-Efficacy, Dan Financial Attitude Terhadap Financial Management Behavior Pada Asn Kantor Kecamatan Di Wilayah Surabaya Selatan Jamik Jamik; Ulil Hartono; Nadia Asandimitra Haryono
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i5.11461

Abstract

Penelitian ini bertujuan untuk mengevaluasi pengaruh literasi keuangan, efikasi diri keuangan, dan sikap keuangan terhadap perilaku manajemen keuangan pada ASN di kantor kecamatan di wilayah Surabaya Selatan. Penelitian ini melibatkan dua jenis variabel, yaitu variabel independen dan variabel dependen. Variabel independen yang dianalisis mencakup literasi keuangan, efikasi diri keuangan, dan sikap keuangan, sementara variabel dependen yang dianalisis adalah perilaku manajemen keuangan. Teori yang digunakan meliputi theory of planned behavior, literasi keuangan, efikasi diri keuangan, sikap keuangan, dan perilaku manajemen keuangan. Penelitian ini menggunakan metode kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Populasi penelitian ini adalah ASN di kantor kecamatan di wilayah Surabaya Selatan dengan jumlah sampel sebanyak 216 pegawai. Teknik pengambilan sampel yang digunakan adalah proportional sampling. Data dalam penelitian ini dianalisis menggunakan regresi linear berganda dan pengujian hipotesis dilakukan dengan uji t. Hasil penelitian menunjukkan bahwa literasi keuangan, efikasi diri keuangan, dan sikap keuangan semuanya berpengaruh positif dan signifikan terhadap perilaku manajemen keuangan.
Determination of Financial Factors on Firm Value Kurniawan, Yogi Ade Tia; Hartono, Ulil; Haryono, Nadia Asandimitra
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 4 No. 2 (2025): JANUARY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v4i2.1525

Abstract

This study aims to analyze the impact of Liquidity, Solvency, Profitability, and Activity on Company Value in food and beverage manufacturing companies listed on the IDX for the 2019–2022 period. The research employs a quantitative, causal associative approach using secondary data from company financial statements. A purposive sampling method was used, resulting in a sample of 24 companies, and the data were analyzed using multiple linear regression. The results show that simultaneously, the independent variables influence Company Value. Partially, the Liquidity variable (proxies: current ratio, quick ratio, and cash ratio) significantly affects Company Value (PBV). For Solvency, the debt-equity ratio (DER) and long-term debt-equity ratio (LTDtER) significantly affect Company Value, while the debt-asset ratio (DAR) does not. In terms of Profitability, return on equity (ROE) and return on assets (ROA) have significant effects, but net profit margin (NPM) does not. Lastly, under the Activity variable, inventory turnover (PPe) significantly affects Company Value, while accounts receivable turnover (PPi) does not. These findings underscore the importance of financial performance metrics in describing a company’s ability to meet obligations, achieve profitability, and manage asset turnover. Such insights are valuable for companies in understanding how their financial performance impacts Company Value.
Tracer Study of Faculty of Economics and Business Alumni : To What Extent Are Graduates Categorized as Qualified? Nadia Asandimitra Haryono; Febrika Yogie Hermanto; Cahya, Septyan Budy; Ladi Wajuba Perdini Fisabilillah; Khusnul Fikriyah; Vivi Pratiwi; Insyirah Putikadea; Amirusholihin Amirusholihin; Veni Rafida; Rasyidi Faiz Akbar; Fresha Kharisma
International Journal of Educational Research Vol. 2 No. 1 (2025): International Journal of Educational Research
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijer.v2i1.125

Abstract

Tracer study of Surabaya State University has been conducted in each study program in order to fulfill accreditation needs. Instrument development is still carried out independently at the study program and faculty levels so that the disparity of instruments in each faculty is very high. This study will later aim to create an effective alumni tracing model in achieving a response rate. Because in several universities throughout Indonesia, a superior model has not been found and detailed properly. The type of research used is descriptive qualitative. The population in this study were graduates of the Faculty of Economics and Business, Universitas Negeri Surabaya who had obtained diplomas throughout 2022. The sample used was a saturated sample considering that this study aims to explore graduate data related to careers. The results showed that the response rate reached 100%, with more than 67.8% of graduates getting jobs in less than six months with an income of at least 1.2 times the UMP, exceeding the institution's target. This tracer study plays an important role in evaluating the quality of graduates and the relevance of education to the world of work. These findings provide a basis for improving the curriculum and quality of education at Universitas Negeri Surabaya.
ANALISIS PENGARUH LIKUIDITAS, SOLVABILITAS, PROFITABILITAS DAN RASIO AKTIVITAS TERHADAP RETURN SAHAM PADA PERUSAHAAN PERBANKAN DI BEI PERIODE 2019 – 2023 Sari, Windy Puspita; Hartono, Ulil; Haryono, Nadia Asandimitra
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.12853

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh likuiditas terhadap return saham pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia Periode 2019 – 2023; (2) pengaruh Solvabilitas terhadap return saham pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia Periode 2019 – 2023; (3) pengaruh Profitabilitas terhadap return saham pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia Periode 2019 – 2023; (4) pengaruh rasio aktivitas terhadap return saham pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia Periode 2019 – 2023. Populasi yang digunakan dalam penelitian ini adalah laporan keuangan perusahaan perbankan di Bursa Efek Indonesia Periode 2019 – 2023 dengan purposive sampling sebagai teknik penentuan sampel. Teknik pengumpulan data menggunakan laporan keuangan sebagai data sekunder. Teknik analisis data yang digunakan dalam penelitian ini yaitu analisis regresi linier berganda dengan alat SPSS. Hasil penelitian menunjukkan rasio likuiditas yang diukur melalui Current Ratio berpengaruh signifikan terhadap return saham. Rasio solvabilitas yang diukur melalui Debt To Equity Ratio berpengaruh signifikan terhadap return saham. Rasio profitabilitas yang diukur melalui Return On Assets berpengaruh signifikan terhadap return saham. Rasio aktivitas yang diukur melalui Working Capital Turnover tidak berpengaruh signifikan terhadap return saham.
PENGARUH PROFITABILITAS, LEVERAGE, UKURAN PERUSAHAAN, KEPEMILIKAN MANAJERIAL DAN KEPEMILIKAN INSTITUSIONAL TERHADAP NILAI PERUSAHAAN DENGAN CORPORATE SOCIAL RESPONSIBILITY SEBAGAI VARIABEL INTERVENING Milayati, Depi; Hartono, Ulil; Haryono, Nadia Asandimitra
JEKPEND: Jurnal Ekonomi dan Pendidikan Vol 8, No 1 (2025): Januari
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jekpend.v8i1.65208

Abstract

Penelitian ini bertujuan menganalisis pengaruh profitabilitas, leverage, ukuran perusahaan, kepemilikan manajerial, dan kepemilikan institusional terhadap nilai perusahaan dengan Corporate Social Responsibility (CSR) sebagai variabel intervening. Menggunakan penelitian kuantitatif dengan sampel laporan keuangan perusahaan sektor barang konsumsi di Bursa Efek Indonesia (2019-2022), analisis data dilakukan dengan regresi linier berganda menggunakan SPSS. Hasilnya menunjukkan bahwa profitabilitas, ukuran perusahaan, kepemilikan manajerial, dan kepemilikan institusional berpengaruh positif signifikan terhadap nilai perusahaan dan CSR. Leverage berpengaruh negatif terhadap nilai perusahaan dan CSR. CSR berpengaruh positif terhadap nilai perusahaan dan dapat memoderasi pengaruh profitabilitas, leverage, ukuran perusahaan, kepemilikan manajerial, dan kepemilikan institusional terhadap nilai perusahaan.
Unveiling the Determinants of Financial Satisfaction among Civil Servants in Indonesia Fifin Andhiana; Nadia Asandimitra Haryono; Ulil Hartono
Jurnal Pendidikan Ekonomi Vol. 17 No. 2 October 2024
Publisher : Jurusan Ekonomi Pembangunan Fakultas Ekonomi Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/UM014v17i2p113

Abstract

This study aims to ascertain the determinants of financial satisfaction among the state civil apparatus in Indonesia, including financial literacy and income. This study also examines the role of financial behavior in mediating the relationship between variables. This present study used a quantitative method with structural equation modeling. A Likert scale was used as the measurement in the quantitative research approach. The data were retrieved from 106 samples of the state civil apparatus in a certain area in Indonesia. The findings indicate that income can predict financial behavior and financial satisfaction. In addition, financial literacy is also recognized as prominent in predicting financial behavior and financial satisfaction. This study also confirms the role of financial behavior in mediating the linkage between financial literacy and financial satisfaction as well as the relationship between income and financial satisfaction. The findings offer implications for the government to manage financial literacy through various programs as its great role for financial satisfaction.   Keywords: financial literacy, income, financial behavior, financial satisfaction
PELATIHAN KEWIRAUSAHAAN DAN PENGEMASAN PRODUK UNTUK MENINGKATKAN DAYA SAING KELOMPOK UMKM KELURAHAN SAWUNGGALING SURABAYA Asandimitra, Nadia; Wardoyo, Dewie Tri Wijayati; Iriani, Sri Setyo; Kistyanto, Anang; Hariyati, Hariyati; Amelia, Ratih
Jurnal Abdi Insani Vol 12 No 2 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i2.2193

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the national economy, making a significant contribution to economic growth and development. In Indonesia, the presence of MSMEs greatly aids in reducing unemployment caused by limited labor absorption in the formal sector. The number of MSMEs in Indonesia, including in the Sawunggaling sub-district of Surabaya, continues to increase. The Sawunggaling sub-district itself has numerous potentials that can be developed into business activities. Unfortunately, due to limited human resource competencies, the creative spaces available have not been fully utilized by partners. Partners also face difficulties in designing attractive food and beverage packaging. This program aims to optimize existing facilities and provide training to foster entrepreneurial spirit and improve MSME skills in terms of food and beverage packaging design. The activities implemented include enhancing understanding and skills through training that introduces entrepreneurial strategies and product packaging, including incorporating MSME identity into the packaging. The results of the PKM activities show that the PKM target was achieved well, namely an increase in awareness and knowledge among MSME actors in the food and beverage sector in the Sawunggaling sub-district, Surabaya, about the importance of entrepreneurial mindset and product packaging, as well as packaging design ideas that can enhance competitiveness.
PENGARUH LITERASI KEUANGAN TERHADAP KINERJA USAHA MIKRO KECIL DAN MENENGAH (UMKM) BIDANG FASHION DI SURABAYA DENGAN PRAKTEK MANAJEMEN KEUANGAN SEBAGAI VARIABEL INTERVENING Rahmawati, Rahmawati; Haryono, Nadia Asandimitra; Witjaksono, Andre Dwijanto
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/x9yege18

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap kinerja usaha UMKM fashion di Surabaya, serta menguji peran mediasi praktik manajemen keuangan dalam hubungan tersebut. Survei dilakukan terhadap 158 pelaku UMKM dengan menggunakan kuesioner skala Likert, dan data dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil menunjukkan bahwa literasi keuangan berpengaruh positif signifikan terhadap kinerja usaha, serta terhadap praktik manajemen keuangan. Praktik manajemen keuangan juga berpengaruh signifikan terhadap kinerja usaha, dan secara signifikan memediasi hubungan antara literasi keuangan dan kinerja usaha. Didapatkan hasil bahwa pemahaman keuangan yang diterapkan secara konsisten melalui praktik manajerial dapat meningkatkan performa bisnis secara nyata. Hasil penelitian ini menunjukkan bahwa peningkatan literasi keuangan yang diiringi praktik manajemen keuangan yang baik menjadi kunci penting dalam mendorong keberhasilan UMKM fashion di Surabaya.
The Effect of Financial Attitude, Financial Literacy, and Financial Technology on Financial Inclusion With Financial Self-Efficacy as a Mediator: A Study on FEB Students at State Universities in Surabaya Zulfialdi, M. Farid; Hartono, Ulil; Haryono, Nadia Asandimitra
Riwayat: Educational Journal of History and Humanities Vol 8, No 3 (2025): July, Social Studies, Educational Research and Humanities Research.
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i3.47998

Abstract

This study aims to analyze the influence of financial attitude, financial literacy, and financial technology on financial inclusion with financial self-efficacy as a mediating variable among students of the Faculty of Economics and Business at public universities in Surabaya. This research uses a quantitative approach, with data collected through questionnaires distributed to 209 respondents selected using purposive sampling. The data were analyzed using Structural Equation Modeling (SEM) with AMOS software. The results show that financial attitude and financial literacy do not significantly affect financial self-efficacy, while financial technology has a significant effect. Furthermore, financial attitude and financial technology have a positive effect on financial inclusion, whereas financial literacy does not show a significant effect. The mediation test reveals that financial self-efficacy only mediates the relationship between financial literacy and financial inclusion. These findings emphasize the importance of strengthening self-efficacy and utilizing digital financial technology as effective strategies to encourage student participation in formal financial systems.
Co-Authors ACHMAD KAUTSAR Aditya Yanuar Ramadhan Aditya Yoshua Afriani, Tia Agus Frianto Alfrin Erman Sampoerno Amirusholihin Amirusholihin Anang Kistyanto Andre Dwijanto Witjaksono Andry Irwanto Anglia Dinda Pramedi Aris Sasurya Arsheila Primadita Bagus Pribadi, Bagus Cahyono, Gilang Indra Damaiyanti, Arif Fera Daniel Siahaan Depi Milayati, Depi Dewanti, Vicky Pradita Dewie Trie Wijayati Dian Ulya Putra Dina Ika Kaptiana Dita Kurnia Rahmadani Dita Rahmawati Dyana Novita Taristy Fahrizal Anwar Febrika Yogie Hermanto Fifin Andhiana Firda Khoirotun Nisa Fresha Kharisma Fridana, Ifanda Ogix Frisca Novia Sukmawati Gilang Indra Cahyono Hantono, Ulil Hariyati Hariyati Helmi Ishartanto Hery Widijanto I Made Narsa Indarwati, Tias Insyirah Putikadea Irkham, Nuriyah Jamik Jamik Khusnul Fikriyah Kurniawan, Yogi Ade Tia Ladi Wajuba Perdini Fisabilillah M. Riadhos Solichin Mahadevi, Syifa Aulia Marisyah Dwi Ambarsari Mawalia Ulumudiniati Moch. Sigit Prabowo Moh Maulidi Syarif Mongid, Abdul MONIKA TIARAWATI Monika Tiarawati Muhammad Danang Mahardhika Nabiilah, Irfani Azzah Nindria Untarini Noni Aisyah Sofiamira Nugraha, Egananda Septian Nurul Rizqia V. Lumaela Nurul Rizqia V. Lumaela Prabowo, Moch. Sigit Prabowo, Sony Ilham Pramedi, Anglia Dinda Priscilla Irene Sudiro R.A. Sista Paramita Rahayu Mardikaningsih Rahmawati, Rahmawati Rasyidi Faiz Akbar Ratih Amelia, Ratih Refiana Dwi Maghfiroh Resty Apriliana Ningsih Rindik Rita Purwaningsih Riskhy Tia Femianita Rohmah, Eva Mujayati Safa Tasya Amalia Sari, Windy Puspita Septyan budy Cahya Shalahudin Al Ayubi Siti Mauidhoh Syarfi Sony Ilham Prabowo Sri Setyo Iriani Syarfi, Siti Mauidhoh Syifa Aulia Mahadevi Tia Afriani Ucik Siswoyo Ujang S. Mubarok Ulil Hantono Ulil Hartono Ulil Hartono Veni Rafida Vicky Pradita Dewanti Vivi Pratiwi Widyastuti WIDYASTUTI Widyastuti Widyastuti Widyastuti Widyastuti Wiwik Handayani Yessy Artanti Zulfialdi, M. Farid