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The Psychology of Saving : How Mindset Impacts Financial Competence Fauzi, Ahmad; Fauziah, Nadiatullah Tsuraya; Rahayu, Sari
Coopetition : Jurnal Ilmiah Manajemen Vol. 15 No. 2 (2024): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v15i2.4455

Abstract

This study investigates the dynamics of financial competence among customers and employees of Bank BNI, focusing on the roles of mindset, saving behavior, and financial knowledge. Using a quantitative research design with a sample size of 100 participants selected through random sampling, data were analyzed using Smart PLS for path analysis. The findings reveal significant direct relationships: mindset positively influences both financial knowledge (FK) and financial competence (FC), while saving behavior directly enhances FC. Additionally, indirect effects show that both mindset and saving behavior contribute to FC through their positive impacts on FK. These results highlight the critical importance of psychological factors and proactive financial behaviors in shaping individuals' financial capabilities. For Bank BNI, promoting a positive financial mindset and supporting disciplined saving practices could effectively enhance financial literacy and decision-making among stakeholders. Future research could explore additional variables and interventions to further refine strategies for fostering financial competence across diverse demographic groups.  
Strategi Pemasaran Produk Dalam Meningkatkan Kepuasan Pelanggan Rahayu, Sari
Jurnal Penelitian Dan Pengkajian Ilmiah Sosial Budaya Vol 3 No 1 (2024): Jurnal Penelitian Dan Pengkajian Ilmiah Sosial Budaya - JPPISB
Publisher : LPPM Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jppisb.v2i1.705

Abstract

Marketing strategy is a strategy that used by company in sustainable way to win market competition for long term. This journal aims for company to have product strategy to increase customer satisfaction. Product is a thing that could be offered to customer to be noticed, asked, looked for, purchase, used, consumed by market as a tool for fulfillment or market willingness. Product could give tangible or intangible benefit to satisfy customers potentially. Customer satisfaction is a key factor for business development. Product strategy will have an impact to customer satisfaction. Therefore, satisfied customers will buy product repeatedly and recommend that product to other customers
The Impact of Sustainability Report Disclosure on Financial Performance Rahayu, Sari; Saddam, Muhammad
Transforma Jurnal Manajemen Vol. 1 No. 1 (2023): Transforma: Jurnal Manajemen
Publisher : Pascasarjana Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/tjm.v1i1.176

Abstract

This study aims to analyze the effect of sustainability report disclosure, which includes economic, environmental, and social aspects, on financial performance using Return On Asset (ROA). The study population is mining companies listed on the Indonesia Stock Exchange (IDX) and disclosed sustainability reports for the 2019-2022 period. Using a purposive sampling technique, 13 companies were selected that met the criteria, resulting in 52 samples. This study uses a quantitative approach with multiple linear regression methods and is processed using SPSS 26. The results of the study indicate that overall, sustainability report disclosure on economic, environmental, and social aspects does not affect the company's financial performance (ROA). This indicates that sustainability report transparency has not been a major factor in increasing the profitability of mining companies in Indonesia.
STRATEGI MENGATUR KEUANGAN RUMAH TANGGA YANG MUDAH DAN EFEKTIF DI DESA TANJUNGAN, KECAMATAN KEMLAGI KABUPATEN MOJOKERTO Istiqomah, Inuk Wahyuni; Indrianto, Dian; Rahayu, Sari; Hastuti, Poppy Melina Dian
EZRA SCIENCE BULLETIN Vol. 3 No. 1 (2025): January-June 2025
Publisher : Kirana Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/ezrasciencebulletin.v3i1.301

Abstract

Alokasi anggaran akan memperbaiki gaya hidup agar lebih hemat dan bermanfaat, dengan membuat prioritas pengeluaran. Disiplin alokasi anggaran akan membuat arus kas lebih sehat. Sedangkan catatan keuangan merupakan alat untuk merekam pergerakan aliran uang. Laporan catatan keuangan berfungsi sebagai panduan seseorang terkait kondisi keuangannya (Safriliana, 2024). Mengatur keuangan rumah tangga bukan hanya menjadi tanggung jawab satu orang saja (BTN, 2023). Baik suami maupun istri, sama-sama mempunyai peran yang vital dalam mengatur keuangan rumah tangga. Missed manajemen dalam mengatur keuangan rumah tangga bisa saja mengganggu keharmonisan keluarga. Desa Tanjungan merupakan desa yang terletak pada Kecamatan Kemlagi Kabupaten Mojokerto, masyarakat Desa Tanjungan sumber pendapatannya secara umum berasal dari pertanian, karyawan dan perdagangan. Edukasi atas literasi dalam Mengatur Keuangan Rumah Tangga secara Efektif bagi warga Masyarakat Desa Tanjungan, diharapkan dapat memberikan manfaat dan menambah pemahaman terhadap pengelolaan keuangan keluarga agar bisa lebih terarah sehingga kehidupan rumah tangga dapat berjalan dengan harmonis.
The Impact of Environmental, Social, and Governance Implementation on Financial Performance Rahayu, Sari; Hastuti, Poppy Meilina Dian; Efendi, Mohamad Johan; Sutikno, Frendy
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1145

Abstract

This study investigates the relationship between Environmental, Social, and Governance implementation and financial performance, with a particular focus on the mediating roles of corporate reputation and operational efficiency. Using a quantitative research design and Partial Least Squares Structural Equation Modeling, data from publicly listed companies across ESG-sensitive industries were analyzed to test the hypothesized relationships. The findings reveal that ESG implementation does not have a statistically significant direct effect on financial performance. However, it significantly influences corporate reputation and operational efficiency, both of which serve as strong mediators linking ESG initiatives to improved financial outcomes. These results support the integration of stakeholder theory, signaling theory, and the resource-based view in understanding the ESG-performance nexus. The study highlights the importance for firms to align ESG strategies with core operations and stakeholder expectations to unlock long-term financial value. Implications for corporate managers, investors, and policymakers are discussed, emphasizing ESG as a critical driver of sustainable competitive advantage.
PENGARUH SELF-EFFICACY ( EFIKASI DIRI ) DAN PEMBERDAYAAN SUMBER DAYA MANUSIA TERHADAP KINERJA PEGAWAI SMAN 1 V KOTO KAMPUNG DALAM KABUPATEN PADANG PARIAMAN Rahayu, Sari; Salfina, Lili; Meidona, Syofria; Gusmayanti, Fitri
Ensiklopedia of Journal Vol 7, No 3 (2025): Vol. 7 No. 3 Edisi 2 April 2025
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eoj.v7i3.3156

Abstract

Abstract: This research aims to find out how self-efficacy and human resource empowerment influence employee performance at SMAN 1 V Koto Kampung Dalam Padang Pariaman Regency simultaneously and partially. The research method used is a quantitative method. The sampling technique used is a nonprobability sample with a saturated sampling technique. The data collection techniques used were observation and questionnaires with a sample size of 60 respondents. The analytical method used is multiple linear regression analysis, multiple correlation analysis, and coefficient of determination analysis. It can be seen that the regression equation formed is Y = 10.190 + 0.313X1 + 0.359 X2. The research results show that there is a positive and significant influence between self-efficacy and human resource empowerment on employee performance at SMAN 1 V Koto Kampung Dalam Padang Pariaman Regency. The magnitude of the influence of self-efficacy and human resource empowerment on the performance of employees at SMAN 1 V Koto Kampung Dalam simultaneously is 40.30%. Meanwhile, the influence of self-efficacy on employee performance, the results of partial tests using the t test were 2.728 > t table (1.671) with a probability of 0.008 < 0.05, so there is a significant influence between self-efficacy on employee performance at SMAN 1 V Koto Inner Village. and the effect of human resource empowerment on employee performance is 2,775 > t table (1.671) with a probability of 0.007 < 0.05, so there is a significant influence between human resource empowerment on employee performance at SMAN 1 V Koto Kampung Dalam Padang Pariaman Regency.Keywords: Self-Efficacy, Human Resource Empowerment, Employee Performance.
The Impact of Environmental, Social, and Governance Implementation on Financial Performance Rahayu, Sari; Hastuti, Poppy Meilina Dian; Efendi, Mohamad Johan; Sutikno, Frendy
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1145

Abstract

This study investigates the relationship between Environmental, Social, and Governance implementation and financial performance, with a particular focus on the mediating roles of corporate reputation and operational efficiency. Using a quantitative research design and Partial Least Squares Structural Equation Modeling, data from publicly listed companies across ESG-sensitive industries were analyzed to test the hypothesized relationships. The findings reveal that ESG implementation does not have a statistically significant direct effect on financial performance. However, it significantly influences corporate reputation and operational efficiency, both of which serve as strong mediators linking ESG initiatives to improved financial outcomes. These results support the integration of stakeholder theory, signaling theory, and the resource-based view in understanding the ESG-performance nexus. The study highlights the importance for firms to align ESG strategies with core operations and stakeholder expectations to unlock long-term financial value. Implications for corporate managers, investors, and policymakers are discussed, emphasizing ESG as a critical driver of sustainable competitive advantage.
Effectiveness of Digital Game Based Learning on Improving Numeracy Literacy of Elementary School Students Rahayu, Sari; Yaqin, Nurul; Pranawukir, Iswahyu; Awaludin, Dipa Teruna; Mardiati, Mardiati
International Journal of Educational Insights and Innovations Vol. 2 No. 2 (2025): June 2025 - International Journal of Educational Insights and Innovations (IJED
Publisher : PT. Technology Laboratories Indonesia (TechnoLabs)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effectiveness of digital game based learning (DGBL) in improving elementary school students' numeracy literacy. Numeracy literacy, which encompasses the ability to understand, interpret, and apply mathematical concepts in everyday life, is one of the fundamental competencies emphasized in 21st-century education curricula. However, national evaluation results indicate that many elementary school students struggle to deeply understand numerical concepts. To address this challenge, this study proposes a digital game-based learning approach as an innovative strategy to enhance students' motivation to learn and their active engagement. This study employed a quasi-experimental design with a pretest-posttest control group. The research sample consisted of 60 fifth-grade students, who were divided into an experimental group and a control group. The experimental group used interactive, digital, game-based learning media, while the control group used conventional, lecture-based methods and practice problems. The research instrument was a numeracy literacy test that was validated by experts and tested for reliability. Paired and independent sample t-tests were conducted to analyze significant improvements and differences between the two groups. The results showed a significant increase in numeracy literacy scores in the experimental group compared to the control group. Additionally, students in the experimental group demonstrated increased interest in learning mathematics and greater involvement in the learning process. These findings suggest that implementing DGBL can effectively enhance elementary school students' numeracy literacy in a fun, interactive, and contextual manner.
Pengaruh Live Streaming, Flash Sale dan Promo Gratis Ongkir terhadap Perilaku Impulsive Buying pada Pengguna Aplikasi Tiktok Putri, Sissy Jania; Yadewani, Dorris; Rahayu, Sari
Jurnal Pustaka Manajemen (Pusat Akses Kajian Manajemen) Vol 5 No 1 (2025): Jurnal Pustaka Manajemen
Publisher : Pustaka Galeri Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine live streaming, flash sale and free shipping promo on impulsive buying behavior. This study uses a causal associative research type with a quantitative approach and a probability sampling method with the Stratified Sampling technique on 89 respondents who use the TikTok shop application. Data were collected through questionnaires and processed using SPSS. The test results show that (1) Live Streaming does not have a significant effect on Impulsive Buying Behavior in TikTok shop application (2) Flash Sale has a significant effect on Impulsive Buying Behavior in TikTok shop application users (3) Free Shipping Promo has a significant effect on Buying Behavior. This finding indicates that students need to improve their awareness and financial management skills in dealing with impulsive offers, while for companies, it is important to optimize marketing strategies such as flash sales and free shipping promos, as well as develop more interesting live streaming content to attract students' attention.
Pengaruh Investasi Dan Ekspor Terhadap Pertumbuhan Ekonomi Di Sumatera Barat Oktaviani, Nichy; Pratama , Marshal Imar; Rahayu, Sari; Rahim, Anwar
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 4 No. 4 (2024): Juli-Agustus
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v4i4.1996

Abstract

This research aims to determine the influence of investment and exports in West Sumatra. This research was motivated by the lack of investment by the community and the lack of community exports so that economic growth in West Sumatra was hampered. This research uses a quantitative type of research using secondary data. This research carries out classical assumption tests, hypothesis testing using SPSS.Looking at the results of the tests that have been carried out proves that investment has no significant effect on economic growth, while the export variable has a significant effect on economic growth. The results of simultaneous tests of investment and exports have a significant effect on economic growth with a significant value of 0.001 < 0.05. This shows that investment and exports can predict information about economic growth by 0.501 or 50.1%, while the remaining 0.499 or 49.9% is influenced by other factors not included in this research.