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All Journal Jurnal Ilmu Manajemen (JIM) BISMA (Bisma dan Manajemen) Lentera, Jurnal Studi Perempuan Jurnal Minds: Manajemen Ide dan Inspirasi Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Jurnal Pendidikan Ekonomi Jurnal Ekonomi dan Bisnis al-Uqud : Journal of Islamic Economics SYUKUR (Jurnal Inovasi Sosial dan Pengabdian Masyarakat) Journal of Economic, Bussines and Accounting (COSTING) Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis JURNAL MANAJEMEN (EDISI ELEKTRONIK) Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Dedication : Jurnal Pengabdian Masyarakat Business Management Analysis Journal (BMAJ) Jurnal Muara Ilmu Ekonomi dan Bisnis Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Abdi Insani JEKPEND Jurnal Ekonomi dan Pendidikan JBMR: Journal of Business and Management Review Jurnal Ilmiah Satyagraha International Journal of Economics, Management, Business, and Social Science Transekonomika : Akuntansi, Bisnis dan Keuangan BISMA (Bisnis dan Manajemen) Perbanas Journal of Islamic Economics and Business Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Dedication : Jurnal Pengabdian Masyarakat Riwayat: Educational Journal of History and Humanities Journal of Innovative and Creativity Economic and Education Journal (Ecoducation) KIC International Journal of Educational Research Ecoducation Dinamis: Jurnal Pengabdian Kepada Masyarakat
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Pengaruh Literasi Keuangan dan Pengelolaan Keuangan Terhadap Perencanaan Dana Pensiun dengan Keputusan Investasi Sebagai Variabel Mediasi pada Guru PNS SD di Kabupaten Magetan Prabowo, Sony Ilham; Haryono, Nadia Asandimitra; Hartono, Ulil
Economic and Education Journal (Ecoducation) Vol. 6 No. 2 (2024): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

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Abstract

Untuk mengeksplorasi pengaruh literasi keuangan dan pengelolaan keuangan terhadap perencanaan dana pensiun pada guru PNS SD di Kabupaten Magetan, dengan keputusan investasi sebagai variabel mediasi. Penelitian ini menerapkan metode penelitian konklusif dengan pendekatan kausalitas dan mengumpulkan data primer melalui kuesioner. sampell pelnellitian ini adalah selbanyak 324 Guru PNS SD di Pelmelrintah Daelrah Kabupateln Mageltan. Instrumen penelitian menggunakan kuisioner. Hasil analisis menunjukkan bahwa sebuah literasi keuangan dikatakan tidak berpengaruh langsung terhadap suatu perencanaan pensiun, namun pengelolaan keuangan mempunyai pengaruh yang signifikan terhadap perencanaan pensiun. Keputusan investasi juga berperan sebagai variabel mediasi antara pengelolaan keuangan dan perencanaan pensiun.
Pengaruh Profitabilitas, Likuiditas dan Tingkat Pertumbuhan Perusahaan Terhadap Kebijakan Dividen dengan Ukuran Perusahaan Sebagai Variabel Moderasi Nugraha, Egananda Septian; Haryono, Nadia Asandimitra; Hartono, Ulil
Economic and Education Journal (Ecoducation) Vol. 6 No. 2 (2024): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

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Abstract

Kebijakan dividen yang berkaitan dengan distribusi keuntungan kepada pemegang saham sangat penting. Penelitian ini bertujuan untuk mengkaji dampak rasio profitabilitas, likuiditas, dan pertumbuhan perusahaan terhadap kebijakan dividen, dengan ukuran perusahaan sebagai variabel moderasi. Variabel independen dalam studi ini mencakup profitabilitas yang diukur dengan return on equity, likuiditas yang diukur dengan current ratio, dan pertumbuhan perusahaan yang diukur dengan pertumbuhan aset. Ukuran perusahaan, yang diproksikan dengan total aset, berfungsi sebagai variabel moderasi. Penelitian ini mencakup periode dari tahun 2018 hingga 2021, dengan sampel sebanyak 12 perusahaan dari indeks saham High Dividend 20 di Bursa Efek Indonesia yang dipilih menggunakan purposive sampling. Hasil penelitian menunjukkan bahwa profitabilitas dan likuiditas berpengaruh positif dan signifikan terhadap kebijakan dividen, sementara pertumbuhan perusahaan berpengaruh negatif dan signifikan. Ukuran perusahaan dapat memoderasi pengaruh profitabilitas dan likuiditas terhadap kebijakan dividen, tetapi tidak memoderasi pengaruh pertumbuhan perusahaan terhadap kebijakan dividen. Temuan ini dapat menjadi acuan bagi investor dalam pengambilan keputusan investasi, terutama bagi yang mengutamakan dividen, serta bagi perusahaan dalam merumuskan kebijakan finansial terkait pembagian dividen.
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 : Pendidikan Ekonomi, Universitas Insan Budi Utomo

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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.
Analysis of Factors Affecting Dividend Policy in the IDX High Dividend 20 Companies Listed on the Indonesia Stock Exchange (IDX) During the Period of 2019-2023 Irkham, Nuriyah; Hartono, Ulil; Haryono, Nadia Asandimitra
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 5 No. 2 (2025): March 2025
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v5i2.878

Abstract

Deciding on how to distribute net income to shareholders or reinvest it for business operations is a crucial strategic move known as dividend policy. The focus of this research is to examine the influencers affecting dividend policy within businesses listed in the IDX High Dividend 20 on the Indonesia Stock Exchange from 2019 to 2023. The analyzed factors consist of the current ratio, debt-to-equity ratio, return on assets, and firm size. A quantitative method with a descriptive-analytical framework is utilized in the study. Information is gathered from the yearly financial statements of 18 chosen businesses from the total of 20 companies in the IDX High Dividend 20 group. Information gathering is carried out using various record-keeping techniques, while an assortment of linear regression is utilized for data examination. It has been revealed through the findings that the proportions of the present resources to liabilities and the magnitude of the company do not notably impact how dividends are managed. Conversely, the level of debt relative to equity and the return generated on assets have a notable beneficial impact on the dividend strategy. The calculation of the determination coefficient presents that approximately 14% of the fluctuation in dividend strategy can be accounted for by the independent factors, with the rest being influenced by external elements not covered in this research. This research contributes to understanding the factors influencing dividend policy in Indonesia, particularly among companies that focus on high dividend distribution.
PELATIHAN PENYUSUNAN LAPORAN KEUANGAN USAHA BERBASIS MICROSOFT EXCEL PADA PELAKU UMKM, DESA MOJODESO, BOJONEGORO Untarini, Nindria; Asandimitra, Nadia; Frianto, Agus; Tiarawati, Monika
Jurnal Abdi Insani Vol 11 No 2 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i2.1419

Abstract

Financial statements are crucial for owners of Micro, Small, and Medium Enterprises (MSMEs) as they serve as evidence that the MSMEs exhibit sound financial performance and reliability, thereby enhancing the confidence of banks in extending business credit or capital to them. However, approximately 72 % of MSMEs in Indonesia still lack access to capital from both banks and non-bank financial institutions. The obstacle lies in the inability of MSMEs to manage their finances in an organized and periodic manner. Hence, there is a need for education and introductions on how to prepare financial statements that are easy and effective for MSME practitioners. The objective of this Community Service Program (PKM) is to provide education and training on the preparation of financial statements based on Ms Excel for MSME practitioners in the food and beverage sector affiliated with the Creative Economy Center (CEC) community in Mojodeso village, Kapas district, Bojonegoro regency. The activity took place at the Mojodeso Village Hall in Bojonegoro, with a total of 15 MSME participants. The stages of this activity include planning, implementation, and evaluation. Data were analyzed descriptively using percentage techniques. The results of the activity indicate that the training on the preparation of financial statements based on Ms Excel has enhanced the understanding and skills of MSME practitioners in recording financial statements. Monitoring and evaluation activities were conducted to ensure that participants could correctly and regularly practice recording business financial statements MS Excel, as evidenced by the submission of soft copies of financial statements in Ms Excel format to the PKM team. The conclusion of this PKM is that the training activity effectively improved the understanding and skills in the practical creation of business financial statements based on MsExcel.
PELATIHAN MANAJEMEN RESIKO BISNIS KELOMPOK KOPERASI SYARIAH BAITUL MAAL WAT TAMWIL (BMT) SURABAYA Haryono, Nadia Asandimitra; Mongid, Abdul; Wardoyo, Dewie Tri Wijayati; Hariyati, Hariyati; Iriani, Sri Setyo; Amelia, Ratih
Jurnal Abdi Insani Vol 12 No 10 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i10.2999

Abstract

Koperasi Syariah Baitul Maal wat Tamwil (BMT) di Surabaya menghadapi tantangan serius yang berdampak pada kinerja kelembagaan dan daya tarik terhadap nasabah baru. Beberapa isu utama yang diidentifikasi meliputi kualitas sumber daya manusia yang belum merata, minimnya inovasi dalam pengembangan produk keuangan, serta lemahnya efisiensi operasional dan sistem pengelolaan risiko. Kondisi ini berpotensi menghambat pertumbuhan kelembagaan dan menurunkan tingkat kepercayaan masyarakat terhadap layanan BMT. Untuk menjawab permasalahan tersebut, telah dilaksanakan kegiatan Pelatihan Manajemen Risiko Bisnis berbasis syariah yang dirancang secara komprehensif bagi pengurus dan anggota BMT. Metode kegiatan meliputi penyampaian materi interaktif yang berbasis prinsip-prinsip manajemen risiko syariah, analisis studi kasus dari praktik koperasi lokal, serta diskusi kelompok terstruktur yang mendorong refleksi kritis dan pemecahan masalah secara kolaboratif. Fokus pelatihan diarahkan pada penguatan kapasitas SDM, pengembangan produk keuangan yang relevan dengan kebutuhan masyarakat, pemanfaatan teknologi informasi untuk efisiensi operasional, serta penerapan sistem pengendalian internal yang sesuai dengan prinsip transparansi dan akuntabilitas syariah. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman peserta terhadap konsep manajemen risiko, serta kesadaran kolektif akan pentingnya inovasi dan efisiensi sebagai fondasi keberlanjutan usaha. Kesimpulannya, pelatihan ini berhasil memperkuat kapasitas kelembagaan BMT, meningkatkan kepercayaan masyarakat, dan memperkuat peran sosial-ekonomi koperasi syariah dalam pemberdayaan umat secara berkelanjutan.
A Systematic Review on Market Orientation and Marketing Performance in SMEs Indarwati, Tias; R.A Sista Paramita; Ujang S. Mubarok; Nadia Asandimitra; Achmad Kautsar
Proceeding Kilisuci International Conference on Economic & Business Vol. 3 (2025): Proceeding Kilisuci International Conference on Economic and Business
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/

Abstract

Research aim: This study examines the impact of market orientation on the marketing performance of small and medium enterprises (SMEs). Additionally, it identifies mediating and moderating factors that either strengthen or weaken this relationship. Design/Methode/Approach: A Systematic Literature Review (SLR) method was employed using a bibliometric approach to map research trends. The selection process adhered to the PRISMA framework, with an analysis of studies sourced from the Scopus database. Research Finding : The findings indicate that market orientation plays a crucial role in enhancing SME marketing performance. However, its effectiveness is influenced by product innovation, marketing capabilities, digital adoption, and external factors such as regulations and market competition. Theoretical contribution/Originality: This study enriches the literature on market orientation and marketing performance in SMEs through a systematic synthesis. The findings highlight the importance of integrating market orientation with innovation and digitalization to improve SME competitiveness. Practitioner/Policy implication: For SME practitioners, this study underscores the importance of market-oriented marketing strategies supported by innovation and digitalization. Moreover, policymakers should facilitate access to financing and digital marketing training for SMEs to enhance their market performance. Research limitation: This study is limited to a literature review and does not capture the dynamic challenges faced by SMEs directly.
Global Market Indices and Macroeconomic Determinants of The Indonesia Composite Index (IHSG): Evidence from 2019–2024 Siti Mi'danur Rahmah; Ulil Hartono; Nadia Asandimitra Haryono
Jurnal Manajemen Vol. 17 (2026): Special Issue 2: Call for Paper International E-Conference Management & Small Medium
Publisher : UPT Jurnal & Publikasi Ilmiah SPs Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jm-uika.v17i2.22990

Abstract

The increasing integration of global financial markets has intensified the vulnerability of emerging stock markets to external shocks and macroeconomic instability. The Indonesia Composite Stock Price Index (IHSG), as a key indicator of capital market performance, has experienced significant fluctuations during the 2019–2024 period, particularly amid the COVID-19 crisis, global monetary tightening, and commodity price volatility. These conditions raise important questions regarding the extent to which global stock indices and macroeconomic variables influence IHSG movements. This study investigates the effects of the Dow Jones Index, Hang Seng Index, exchange rate (USD/IDR), inflation rate, interest rate, global gold price, and Brent crude oil price on the IHSG using monthly time-series data from January 2019 to December 2024 (72 observations). A quantitative associative approach is applied through multiple linear regression analysis, following classical assumption tests to ensure model reliability. The findings indicate that the Dow Jones Index, exchange rate, inflation, interest rate, and Brent crude oil price significantly affect the IHSG. The Dow Jones Index, inflation, interest rate, and oil prices exhibit positive effects, whereas the exchange rate has a negative effect. Meanwhile, the Hang Seng Index and global gold prices do not show significant influences. The regression model explains approximately 91.5% of IHSG variation, demonstrating strong explanatory power. Overall, the results highlight the importance of global market integration and macroeconomic stability in determining stock market performance in Indonesia.  
Determinants of Financial Management Behavior of Millennial Generation in Surabaya Ramadhan, Aditya Yanuar; Asandimitra, Nadia
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 6 No 2 (2019): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v6i2.9506

Abstract

The habit of millennial generations in Surabaya in conducting online shopping activities can influence their financial management behavior. This study aims to investigate the factors that can affect financial management behavior with a sample of 184 millennial generations in Surabaya using multiple linear regressions. The findings demonstrated that financial attitude, financial knowledge, and secondary agents had a positive effect on financial management behavior. Whereas locus of control, childhood consumer experience, and primary agent did not affect on financial management behavior. Millennial generations in Surabaya have financial attitudes and knowledge, while also supported by adequate digital and internet literation.
Analisis Determinan Perilaku Keuangan: Studi Kasus Pengguna Paylater Pada Generasi Z Di Kabupaten Kediri Ernest Yuvicha Primadita Permana; Nadia Asandimitra Haryono
Kompetensi (Competence : Journal of Management Studies) Vol 20, No 1 (2026): April
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/kompetensi.v20i1.34531

Abstract

Penelitian ini menganalisis faktor-faktor yang mempengaruhi perilaku keuangan pengguna paylater Generasi Z di Kabupaten Kediri. Dengan menggunakan pendekatan kuantitatif, data dikumpulkan dari 212 responden Gen Z (18-28 tahun, 2025) yang memiliki penghasilan dan aktif menggunakan layanan paylater. Analisis data dilakukan menggunakan SEM dengan perangkat lunak IBM AMOS versi 29. Hasil penelitian menunjukkan bahwa pengetahuan keuangan, locus of control, income, financial attitude, dan financial knowledge memiliki pengaruh positif yang signifikan. Financial knowledge mendorong pengambilan keputusan yang rasional, kepercayaan diri dalam usaha pribadi meningkatkan tanggung jawab, dan penghasilan yang stabil mempermudah prioritas pengeluaran. Kebijaksanaan dan pengalaman praktis juga berkontribusi. Sebaliknya, self-efficacy, financial technology, dan financial literacy tidak memiliki pengaruh yang signifikan. Kepercayaan diri tidak selalu diterjemahkan menjadi tindakan konkret, teknologi hanya berfungsi sebagai alat transaksi, dan literasi yang tinggi tidak menjamin implementasi dalam pengambilan keputusan keuangan. Temuan ini memberikan wawasan penting tentang dinamika manajemen keuangan digital di kalangan generasi muda.
Co-Authors Abdul Mongid ACHMAD KAUTSAR 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 Bhagas Adi Nugroho 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 Ernest Yuvicha Primadita Permana Fahrizal Anwar Febrika Yogie Hermanto Fifin Andhiana Fikriyah, Khusnul Firda Khoirotun Nisa Fresha Kharisma Fridana, Ifanda Ogix Frisca Novia Sukmawati Gilang Indra Cahyono Hantono, Ulil Hariyati Hariyati Harlina Meidiaswati Helmi Ishartanto Hery Widijanto I Made Narsa Imroatus Sakinah Ina Uswatun Nihaya Indarwati, Tias Insyirah Putikadea Irgi Priantito Irkham, Nuriyah Jamik Jamik 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 Muhammad Fachmi Nabiilah, Irfani Azzah Naswa Marsha Azzara Nindria Untarini Noni Aisyah Sofiamira Nugraha, Egananda Septian Nur Lailatus Sholikha 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 Ramadhan, Aditya Yanuar Rasyidi Faiz Akbar Ratih Amelia 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 Siti Mi'Danur Rahmah Sony Ilham Prabowo Sri Setyo Iriani Syarfi, Siti Mauidhoh Syifa Aulia Mahadevi Tia Afriani Trilolorin Sitorus 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 Yudha Adhitya Yuyun Isbanah Zulfialdi, M. Farid