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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Pendidikan Islam IJISH (International Journal of Islamic Studies and Humanities) Journal of Enterprise and Development (JED) Tsamratul Fikri (TF) Jurnal Manajemen Bisnis dan Keuangan Asian Management and Business Review Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Balance : Jurnal Akuntansi dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Journal of International Conference Proceedings Mandiri: Jurnal Akuntansi dan Keuangan
Radiman, Radiman
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Keterkaitan antara Literasi Keuangan dan Pendapatan Pada Kesejahteraan Keuangan : Mediasi Prilaku Keuangan Generasi Sandwich Wahyuni, Sri Fitri; Radiman, Radiman; Lestari, Sri Puji; Lestari, Sofi Sri Indah
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Januari 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i1.551

Abstract

tudi ini meneliti pengaruh Literasi Keuangan dan Pendapatan terhadap kesejahteraan finansial, dengan Perilaku Keuangan sebagai variabel perantara dalam Generasi Sandwich di Medan. Menggunakan metode kuantitatif dan pendekatan asosiatif, penelitian ini mengambil 100 responden melalui quota sampling dari populasi yang belum diketahui jumlah pastinya. Instrumen utama untuk pengumpulan data adalah observasi serta kuesioner. Data yang terkumpul dianalisis menggunakan perangkat lunak Partial Least Square (PLS), meliputi uji model eksternal dan internal serta pengujian hipotesis. Hasil menunjukkan bahwa baik Literasi Keuangan maupun Pendapatan secara langsung meningkatkan kesejahteraan finansial. Selain itu, variabel-variabel ini juga berdampak pada Perilaku Keuangan, yang berperan sebagai jalur mediasi dalam hubungan dengan kesejahteraan finansial. Dengan demikian, penelitian ini membuktikan adanya pengaruh langsung dan mediasi dari Literasi Keuangan dan Pendapatan terhadap kesejahteraan finansial dalam konteks Generasi Sandwich di Kota Medan. This study examines the influence of Financial Literacy and Income on financial well-being, with Financial Behavior as a mediating variable within the Sandwich Generation in Medan. Using a quantitative method and an associative approach, this research gathered 100 respondents through quota sampling from an unknown population size. The primary instruments for data collection were observation and questionnaires. The collected data were analyzed using Partial Least Squares (PLS) software, covering both external and internal model testing as well as hypothesis testing. The results indicate that both Financial Literacy and Income directly enhance financial well-being. Additionally, these variables impact Financial Behavior, which acts as a mediating pathway in the relationship with financial well-being. Therefore, this study demonstrates the direct and mediating effects of Financial Literacy and Income on financial well-being within the context of the Sandwich Generation in Medan.
Perilaku Keuangan Generasi Milenial di Medan: Meneliti Sinergi Literasi Keuangan, Gaya Hidup Hedonis, dan Sikap Keuangan Melalui Lensa Tingkat Pendidikan Sebagai Variabel Intervening Radiman, Radiman; Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Sinuhaji , Karina Ridha Ditia
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Januari 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i1.552

Abstract

Masalah yang dihadapi oleh Generasi Milenial di Medan antara lain adalah tingkat pendidikan yang masih belum optimal. Hal ini terlihat dari kurangnya kesadaran sebagian generasi milenial di Medan akan pentingnya pendidikan. Selain itu, tidak semua generasi milenial di Medan memiliki tingkat literasi keuangan yang baik, terlihat dari rendahnya minat untuk mengikuti program pelatihan dan pengembangan literasi keuangan. Gaya hidup hedonis di kalangan generasi milenial Medan juga cenderung lebih mengutamakan hiburan daripada pendidikan. Sikap keuangan mereka juga kurang bijaksana, dengan kecenderungan menghabiskan penghasilan untuk hal-hal yang tidak penting daripada menabung atau berinvestasi. Penelitian ini menggunakan pendekatan kuantitatif. Hasil analisis menunjukkan bahwa Literasi Keuangan tidak memiliki pengaruh positif dan signifikan terhadap Perilaku Keuangan, karena nilai p values > 0,05. Sebaliknya, Gaya Hidup Hedonis, Sikap Keuangan, dan Tingkat Pendidikan menunjukkan pengaruh positif dan signifikan terhadap Perilaku Keuangan, yang menandakan bahwa hipotesis yang diajukan dapat diterima dan relevan bagi Generasi Milenial di Medan. The issues faced by the Millennial Generation in Medan include a suboptimal level of education. This is evident from the lack of awareness among some millennials in Medan about the importance of education. Moreover, not all millennials in Medan possess adequate financial literacy, as seen in their low interest in participating in financial literacy training and development programs. The hedonistic lifestyle among Medan's millennials also tends to prioritize entertainment over education. Their financial behavior is often unwise, with a tendency to spend income on unnecessary items rather than saving or investing. This research employs a quantitative approach. The analysis results indicate that Financial Literacy does not have a positive or significant impact on Financial Behavior, as the p-values are > 0.05. On the other hand, Hedonistic Lifestyle, Financial Attitude, and Education Level have a positive and significant influence on Financial Behavior, suggesting that the proposed hypotheses are accepted and relevant to the Millennial Generation in Medan.
Emotional and spiritual intelligence impacts on entrepreneurial intention: Serial mediation of creativity and proactive attitude Radiman, Radiman; Sukiman, Sukiman; Agus, Rizal
Asian Management and Business Review Volume 4 Issue 2, 2024
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol4.iss2.art4

Abstract

This study investigates the relationship between emotional and spiritual intelligence from an Islamic perspective, with creativity and proactive attitude as mediating variables. The research utilized a survey among students at several private Islamic universities in Medan City. These universities were selected due to their Islamic vision and the presence of central business incubators or entrepreneurship centers. Students who carried out entrepreneurial activities from semester 3 to semester 7, totaling 120 people, were selected as sample size sufficiently representative of the population using a simple random sampling method. Data analysis was performed using Structural Equation Modelling (SEM) from the statistical software package LISREL 8.80. The results showed that all the hypotheses tested in this study were supported, meaning that the Islamic perspective on emotional and spiritual intelligence was proven to encourage entrepreneurial intentions at Islamic universities in Medan City with creativity and proactive attitude as a serial mediator. Creativity and proactive attitudes mediate the relationship between emotional and spiritual intelligence towards entrepreneurial intention. Creativity and proactive attitudes reinforce the relationship between emotional and spiritual intelligence toward entrepreneurial intention. The better the creativity and proactive attitudes of the respondents, the stronger the relationship between emotional and spiritual intelligence towards entrepreneurial intention.
Faktor yang Memengaruhi Perilaku Menabung pada Generasi Z di Kecamatan Gebang, Kabupaten Langkat Agusty, Mutiara; Wahyuni, Sri Fitri; Radiman, Radiman
Jurnal Manajemen Bisnis dan Keuangan Vol 5 No 1 (2024): April 2024
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v5i1.206

Abstract

This research analyzes the influence of income, financial literacy, self-control and risk tolerance on saving behavior. This research adopts a quantitative associative methodology, where everyone from generation Z who lives in the Gebang District, Langkat Regency, is the sample population. The Lemeshow method was used to determine the sample size, which determined a minimum of 96 respondents to participate in filling out a questionnaire on a Likert scale. The data collected was then analyzed using the PLS-SEM approach with the SmartPLS tool. Research findings reveal that financial literacy, income, self-control ability, and readiness to face risks influence how generation Z in the area spends and saves. Thus, this research provides deeper insight into how these aspects are interconnected and influence individual savings habits among generation Z.
Faktor Determinan Prilaku Keuangan pada Generasi Y Di Kota Medan Wahyuni, Sri Fitri; Radiman, Radiman; Lestari, Serli
Bursa : Jurnal Ekonomi dan Bisnis Vol. 2 No. 2 (2023): Mei 2023
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v2i2.276

Abstract

Setiap individu memiliki karakteristik dan kecenderungan perilaku keuangan yang berbeda-beda, baik dari faktor internal maupun faktor eksternal. Salah satu faktor yang mempengaruhi perilaku keuangan ialah pengetahuan tentang literasi keuangan. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh literasi keuangan, literasi sedekah, sikap keuangan pribadi dan gaya hidup terhadap perilaku keuangan generasi Y yang produktif di Kota Medan. Jenis penelitian ini adalah penelitian kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Sampel yang digunakan berjumlah 96 orang, dengan aplikasi pengoalahan data menggunakan smart PLS. Teknik analisa data menggunakan Analisis Jalur, Partial Least Square (PLS) dan Analisis efek Mediasi. Hasill penelitian ini menunjukkan literasi keuangan (X1) berpengaruh positif dan signifikan terhadap perilaku keuangan (Y). Literasi sedekah (X2) berpengaruh terhadap perilaku keuangan (Y). Sikap keuangan pribadi (X3) berpengaruh terhadap perilaku keuangan (Y). Gaya hidup (X4) berpengaruh terhadap perilaku keuangan (Y). Literasi keuangan, literasi sedekah, sikap keuangan pribadi dan gaya hidup secara simultan berpengaruh signifikan terhadap perilaku keuangan generasi Y yang produktif di Kota Medan. Each individual has different characteristics and tendencies in financial behavior, both internal and external factors. One of the factors that influence financial behavior is knowledge of financial literacy. This study aims to determine and analyze the influence of financial literacy, alms literacy, personal financial attitudes and lifestyles on the productive financial behavior of Generation Y in Medan City. This type of research is quantitative research with data collection techniques using questionnaires. The sample used was 96 people, with data processing applications using smart PLS. Data analysis techniques using Path Analysis, Partial Least Square (PLS) and Mediation effect analysis. The results of this study indicate that financial literacy (X1) has a positive and significant effect on financial behavior (Y). Alms literacy (X2) influences financial behavior (Y). Personal financial attitudes (X3) influence financial behavior (Y). Lifestyle (X4) influences financial behavior (Y). Financial literacy, alms literacy, personal financial attitudes and lifestyle simultaneously have a significant effect on productive Y generation financial behavior in Medan City.
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.
Membangun Intensi Berwirausaha Generasi Sandwich: Peran Sikap Proaktif, Kecerdasan Emosional, Kreativitas, dimediasi Kecerdasan Spiritual di Kota Medan Radiman, Radiman; Samosir , Imel Asry Azhim Br.
Mandiri : Jurnal Akuntansi dan Keuangan Vol. 4 No. 2 (2025): Juni 2025
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

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

Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh sikap proaktif, kecerdasan emosional, dan kreativitas terhadap intensi berwirausaha, dengan kecerdasan spiritual sebagai variabel mediasi pada Generasi Sandwich di Kota Medan, baik secara langsung maupun tidak langsung. Pendekatan yang digunakan adalah pendekatan asosiatif dengan metode kuantitatif. Populasi dalam penelitian ini adalah seluruh Generasi Sandwich di Kota Medan sebanyak 96 orang, yang sekaligus dijadikan sampel dengan teknik sampling jenuh. Pengumpulan data dilakukan melalui observasi dan angket. Analisis data menggunakan metode Partial Least Square (PLS) melalui tahapan pengujian outer model, inner model, dan uji hipotesis. Hasil penelitian menunjukkan bahwa secara langsung, sikap proaktif, kecerdasan emosional, dan kreativitas berpengaruh signifikan terhadap intensi berwirausaha. Ketiga variabel tersebut juga berpengaruh signifikan terhadap kecerdasan spiritual. Selain itu, kecerdasan spiritual terbukti memiliki pengaruh signifikan terhadap intensi berwirausaha. Secara tidak langsung, kecerdasan spiritual memediasi hubungan antara sikap proaktif, kecerdasan emosional, dan kreativitas terhadap intensi berwirausaha pada Generasi Sandwich di Kota Medan.   This study aims to examine and analyze the influence of proactive attitude, emotional intelligence, and creativity on entrepreneurial intention, with spiritual intelligence as a mediating variable among the Sandwich Generation in Medan City, both directly and indirectly. The research uses an associative approach with a quantitative method. The population consists of all members of the Sandwich Generation in Medan City, totaling 96 individuals, who were all included as the sample using a saturated sampling technique. Data was collected through observation and questionnaires. Data analysis was conducted using the Partial Least Square (PLS) method, including tests of the outer model, inner model, and hypothesis testing. The results show that proactive attitude, emotional intelligence, and creativity each have a significant direct effect on entrepreneurial intention. These three variables also have a significant influence on spiritual intelligence. In turn, spiritual intelligence significantly affects entrepreneurial intention. Indirectly, spiritual intelligence mediates the relationship between proactive attitude, emotional intelligence, and creativity with entrepreneurial intention among the Sandwich Generation in Medan City
Investigating factors affecting employees’ work productivity Izhar, Izhar; Radiman, Radiman; Wahyuni , Sri Fitri
Journal of Enterprise and Development (JED) Vol. 5 No. Special-Issue-2 (2023): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

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

Abstract

Purpose — This study aims to determine the work productivity of employees, which includes work attitudes, skill levels, education, and leadership style, both partially and simultaneously influencing employees' work productivity.Method — This study employs a quantitative approach, utilizing multiple linear regression analysis techniques. The population comprised 34 respondents from the Medang Deras District office, with a saturated sample.Result — Based on the study's results, it was concluded that work attitude, skill level, and employee education had a partially positive effect on employee productivity, while leadership style had a partial negative effect on productivity. Additionally, the study found that work attitude, skill level, education, and leadership style had a positive simultaneous effect on work productivity.Contribution — The academic contribution of this research lies in its innovative approach by introducing additional variables and combining various disciplines such as Management, Psychology, and Education to explore the interplay between work attitude, leadership style, skill levels, and education, ultimately shedding light on their collective impact on employee productivity.
Pengaruh Herding Behaviour Dan Overconfidence Bias Terhadap Investment Decision Dengan Financial Literacy Sebagai Variabel Moderasi Di Kota Medan Azzahra, Khairunnisa; Radiman, Radiman
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.687

Abstract

Penelitian ini bertujuan untuk mengkaji dan menganalisis pengaruh herding behaviour dan overconfidence bias terhadap investment decision, dengan financial literacy sebagai variabel moderasi pada masyarakat di Kota Medan. Fenomena pengambilan keputusan investasi yang tidak sepenuhnya rasional akibat faktor psikologis menjadi fokus utama penelitian ini. Financial literacy diasumsikan mampu memperkuat atau memperlemah pengaruh faktor psikologis tersebut terhadap keputusan investasi. Pendekatan yang digunakan adalah kuantitatif, dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 100 responden yang memiliki pendapatan sekitar Upah Minimum Kota (UMK) Medan. Jumlah sampel ditentukan menggunakan rumus Lameshow. Analisis data dilakukan dengan metode Structural Equation Modeling - Partial Least Squares (SEM-PLS) dan diolah menggunakan perangkat lunak SmartPLS versi 3.0, yang mencakup pengujian outer model, inner model, dan uji hipotesis. Hasil penelitian menunjukkan bahwa baik herding behaviour maupun overconfidence bias tidak berpengaruh signifikan terhadap investment decision. Namun, financial literacy terbukti memiliki pengaruh signifikan terhadap investment decision. Selain itu, financial literacy tidak memoderasi hubungan antara herding behaviour maupun overconfidence bias terhadap investment decision. Dengan demikian, literasi keuangan memiliki peran langsung terhadap keputusan investasi, namun tidak memperkuat maupun memperlemah pengaruh bias psikologis dalam konteks ini. his study aims to examine and analyze the influence of herding behaviour and overconfidence bias on investment decision-making, with financial literacy as a moderating variable among individuals in Medan City. The phenomenon of investment decisions that are not entirely rational due to psychological factors is the main focus of this research. Financial literacy is assumed to strengthen or weaken the influence of these psychological factors on investment decisions. A quantitative approach was used, with data collected through questionnaires distributed to 100 respondents with income levels around the regional minimum wage (UMK) of Medan City. The sample size was determined using the Lameshow formula. Data analysis was conducted using Structural Equation Modeling - Partial Least Squares (SEM-PLS), processed with SmartPLS version 3.0 software, including outer model testing, inner model analysis, and hypothesis testing. The results show that neither herding behaviour nor overconfidence bias significantly affect investment decisions. However, financial literacy has a significant direct effect on investment decisions. Furthermore, financial literacy does not moderate the relationship between herding behaviour or overconfidence bias and investment decisions. Thus, financial literacy plays a direct role in investment decision-making, but does not strengthen or weaken the influence of psychological biases in this context.
Co-Authors Agus, Rizal Agusty, Mutiara Amrizal Amrizal Arif Pratama Marpaung Arwin Juli Rakhmadi Azzahra, Khairunnisa Fadhillah, Rizka Fadlil Yani Ainusyamsi, Fadlil Yani Fitri Wahyuni, Sri Hafiz, Muhammad Shareza Izhar Izhar, Izhar Lestari, Sherly Lestari, Sofi Sri Indah Muhammad Qorib Nanda, Ariska Ayu Novika, Indah Ayu Nurjanah, Ike Samosir , Imel Asry Azhim Br. Serli Lestari, Serli Sinuhaji , Karina Ridha Ditia Sri Fitri Wahyuni Sri Puji Lestari Sukiman Sukiman Viola Marpaung, Theresia Wahyuni , Sri Fitri Zailani Zailani