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Journal : Journal of International Conference Proceedings

The Influence of Financial Literacy and Personal Financial Attitude on Financial Behavior with Lifestyle as an Intervening Variable on Productive Generation Y in Medan City Radiman, Radiman; Wahyuni, Sri Fitri; Lestari, Sherly
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2568

Abstract

Every person has unique financial habits shaped by internal and external causes. A perso’'s financial behaviour depends on their financial expertise. This study examines how financial education and attitudes towards money affect the financial decisions of productive Generation Y residents in Medan City. The lifestyle intermediate function in this link is also investigated in this research.Quantitative research approaches, such as surveys, are used in this study. Data processing was done using clever PLS software on 96 individuals. Data analysis methods including path analysis, PLS, and mediation effect analysis are popular.The research shows that financial knowledge strongly impacts lifestyle choices. Financial behaviour is heavily influenced by personal finance views. One's lifestyle is shaped by their financial views. Additionally, lifestyle might affect financial behaviour. This study also analyses how financial literacy and personal financial views affect financial behaviour and management, with lifestyle as a mediating component.
THE EFFECT OF FINANCIAL LITERATURE AND FINANCIAL TECHNOLOGY ON COMMUNITY FINANCIAL INCLUSION (CASE STUDY ON ADOLESCENT IN CITY OF TEBING TINGGI, NORTH SUMATERA) Radiman, Radiman; Wahyuni, Sri Fitri; Novika, Indah Ayu
Journal of International Conference Proceedings Vol 5, No 5 (2022): 2nd Wimaya International Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v5i5.2089

Abstract

ABSTRACTThis study aims to determine and analyze the Effect of Financial Literacy and Financial Technology on Public Financial Inclusion (Case Study on Teenagers in Tebing Tinggi City, North Sumatra). This research method uses a quantitative approach and uses associative research with questionnaire data collection techniques. The population in this study amounted to 27,837 people in Tebing Tinggi city teenagers and this study used incidental sampling technique, taking a sample of 100 respondents. The data analysis technique in this study used the classical assumption test, multiple linear regression test, research hypothesis testing (t test and F test), and the coefficient of determination. Based on the results of this study, financial literacy has a significant influence on community financial inclusion in Tebing Tinggi city adolescents, financial technology has a significant influence on community financial inclusion in Tebing Tinggi city adolescents, financial literacy and financial technology affect community financial inclusion in Tebing Tinggi city adolescents.Key Words : Financial Literacy, Financial Technology, Financial InclusionJEL Classification:B26, C58, E26
The Effect of Love of Money, Peer Group and Financial Literacy on Personal Financial Management in Management Study Program Students, Faculty of Economics and Business, Muhammadiyah University, North Sumatra Wahyuni, Sri Fitri; Radiman, Radiman; Nanda, Ariska Ayu
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2564

Abstract

This study aims to examine the influence of love of money, peer groups, and financial literacy on the personal financial management of students enrolled in the Management Study Program at Muhammadiyah University, North Sumatra. This study employed survey research methods to collect data. Participants are chosen based on specific demographic criteria. This study employs a quantitative and correlational methodology, with data being gathered via questionnaires. The Slovin algorithm was utilized to select a sample from the class of 2018 at Stambuk University, consisting of 84 students who are currently enrolled in the Management Study Program within the Faculty of Economics and Business at Muhammadiyah University in North Sumatra. This research utilizes various statistical tests, including the classical assumption test, multiple linear regression, t test, F test, and coefficient of determination. The data was analyzed using SPSS 25. This study demonstrates that individuals who possess a strong desire for wealth experience positive outcomes in terms of their personal financial management. This study examines the impact of peer groups on individuals’ financial management practices. A significant and meaningful correlation was discovered. The findings indicate a significant and positive correlation between the variables.
The Effect of Love of Money, Peer Group and Financial Literacy on Personal Financial Management in Management Study Program Students, Faculty of Economics and Business, Muhammadiyah University, North Sumatra Wahyuni, Sri Fitri; Radiman, Radiman; Nanda, Ariska Ayu
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2564

Abstract

This study aims to examine the influence of love of money, peer groups, and financial literacy on the personal financial management of students enrolled in the Management Study Program at Muhammadiyah University, North Sumatra. This study employed survey research methods to collect data. Participants are chosen based on specific demographic criteria. This study employs a quantitative and correlational methodology, with data being gathered via questionnaires. The Slovin algorithm was utilized to select a sample from the class of 2018 at Stambuk University, consisting of 84 students who are currently enrolled in the Management Study Program within the Faculty of Economics and Business at Muhammadiyah University in North Sumatra. This research utilizes various statistical tests, including the classical assumption test, multiple linear regression, t test, F test, and coefficient of determination. The data was analyzed using SPSS 25. This study demonstrates that individuals who possess a strong desire for wealth experience positive outcomes in terms of their personal financial management. This study examines the impact of peer groups on individuals’ financial management practices. A significant and meaningful correlation was discovered. The findings indicate a significant and positive correlation between the variables.
The Influence of Financial Literacy and Personal Financial Attitude on Financial Behavior with Lifestyle as an Intervening Variable on Productive Generation Y in Medan City Radiman, Radiman; Wahyuni, Sri Fitri; Lestari, Sherly
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2568

Abstract

Every person has unique financial habits shaped by internal and external causes. A perso’'s financial behaviour depends on their financial expertise. This study examines how financial education and attitudes towards money affect the financial decisions of productive Generation Y residents in Medan City. The lifestyle intermediate function in this link is also investigated in this research.Quantitative research approaches, such as surveys, are used in this study. Data processing was done using clever PLS software on 96 individuals. Data analysis methods including path analysis, PLS, and mediation effect analysis are popular.The research shows that financial knowledge strongly impacts lifestyle choices. Financial behaviour is heavily influenced by personal finance views. One's lifestyle is shaped by their financial views. Additionally, lifestyle might affect financial behaviour. This study also analyses how financial literacy and personal financial views affect financial behaviour and management, with lifestyle as a mediating component.
Do Financial Ratios Send Value-Relevant Signals in Sharia Markets? (Evidence from IDX Sharia Growth) Marpaung, Arif Pratama; Fadhillah, Rizka; Radiman, Radiman
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3889

Abstract

This study aims to empirically examine the effect of financial performance indicators on firm value in companies listed on the IDX Sharia Growth Index during the 2021–2023 period. Specifically, the research investigates whether Liquidity, Leverage, Profitability, Asset Growth, and the Investment Opportunity Set individually and simultaneously influence firm value, as measured by Price to Book Value (PBV). The sample consists of 30 companies consistently listed in the IDX Sharia Growth Index, observed over a three-year period, resulting in 90 firm-year observations. Data were collected using the documentary method, drawing from secondary sources such as financial statements and IDX official reports. Panel data regression analysis was employed using EViews 10 as the data processing tool. The findings reveal that Leverage, Profitability, and the Investment Opportunity Set have a significant positive effect on firm value. Conversely, Liquidity and Asset Growth do not show a statistically significant influence. Moreover, all five variables simultaneously have a significant effect on firm value. These results highlight the importance of financial structure, operational efficiency, and growth expectations in determining firm value, particularly within the context of sharia-compliant firms.
Assessing The Mediating Role of Employee Performance in Transforming Social Intelligence, Self-Leadership, and Employee Ability into Organizational Commitment at PT KAI Divre I North Sumatra Radiman, Radiman; Fitri Wahyuni, Sri; Viola Marpaung, Theresia
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3976

Abstract

At PT KAI Divre I North Sumatra, this study investigates the impact of social intelligence, self-leadership, and employee ability on organizational commitment, with a particular emphasis on the mediating role of employee performance. Employing a rigorous quantitative research design, data were collected via structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine both direct and indirect relationships among the constructs. The findings reveal that self-leadership significantly enhances employee performance; however, it does not exert a direct effect on organizational commitment. Conversely, social intelligence exhibits a robust positive impact on organizational commitment, despite having no significant effect on employee performance. Additionally, employee ability is positively correlated with employee performance, yet it does not directly influence organizational commitment. Importantly, the anticipated mediating role of employee performance was not supported, suggesting that enhancements in performance alone may be insufficient to strengthen organizational commitment. These results underscore the need for a comprehensive approach in leadership and human resource development that simultaneously fosters performance improvement and cultivates organizational commitment.