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All Journal Jurnal Vokasi West Science Interdisciplinary Studies Nomico
Wijaya, Ismed
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Economics, Econometrics & Finance Education Engineering Environmental Science Social Sciences

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Analysis of the Impact of Liquidity Policy and Economic Fluctuations on Asset and Wealth Management in the Banking Sector in Indonesia Judijanto, Loso; Wijaya, Ismed; Sudarmanto, Eko
West Science Interdisciplinary Studies Vol. 2 No. 10 (2024): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v2i10.1370

Abstract

This study analyzes the impact of liquidity policy and economic fluctuations on asset and wealth management in the Indonesian banking sector. Utilizing a quantitative approach, data were collected from 150 banking professionals through a structured questionnaire and analyzed using Structural Equation Modeling (SEM) with Partial Least Squares (PLS) version 3. The results demonstrate that economic fluctuations significantly impact both asset and wealth management, with a stronger influence on wealth management. Liquidity policy also plays a crucial role in improving asset and wealth management practices, though its impact is moderate compared to economic fluctuations. These findings suggest that banks must adopt robust liquidity management and risk mitigation strategies to navigate periods of economic uncertainty and optimize asset and wealth management practices. The study provides important insights for banking professionals and policymakers aiming to enhance financial stability and operational efficiency in the banking sector.
The influence of Financial Literacy on Personal Financial Management in millennials in Indonesia Wijaya, Ismed; Mulyanti, Dwi Retno; Susianto, Tri Endar; Noviya, Anis; Purnomo, Rahmat
Nomico Vol. 1 No. 12 (2025): Nomico-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/w09ms059

Abstract

This study explores the impact of Financial Literacy on Personal Financial Management among millennials in Indonesia. Using a quantitative approach, the research investigates the relationship between financial knowledge and the ability to manage personal finances effectively. The findings indicate that financial literacy significantly influences personal financial management, highlighting its critical role in shaping sound financial behaviors. Millennials with higher levels of financial literacy tend to demonstrate better budgeting, saving, and investment habits, reducing the likelihood of debt accumulation and promoting long-term financial stability. Conversely, a lack of financial knowledge often leads to poor financial decisions, such as excessive use of credit cards, inadequate savings, and limited understanding of investment opportunities. This study contributes to the growing body of literature by focusing on the millennial generation in Indonesia, providing practical implications for stakeholders such as policymakers, financial institutions, and educators to enhance financial literacy programs. Tailored financial education initiatives, both in formal education settings and through community outreach programs, are recommended to address the specific needs of this demographic. Future research is encouraged to expand the scope by incorporating additional variables, such as technological adoption in financial management and the influence of socio-economic backgrounds, and employing mixed-method approaches to gain deeper insights into the behavioral aspects of financial decision-making.
PROMOSI PRODUK MENGGUNAKAN MEDIA SOSIAL ONLINE PADA PARA PEDAGANG KECIL DI KOTA LHOKSEUMAWE Husin, Dasmi; Wijaya, Ismed; Dewi, Nurmila; ., Hilmi
Jurnal Vokasi Vol 3, No 1 (2019): April
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (118.928 KB) | DOI: 10.30811/vokasi.v3i1.997

Abstract

Kegiatan Pengabdian Masyarakat (PM) ini bertujuan untuk meningkatkan ketrampilan para pengusaha kecil (UKM) di Desa Meunasah Mesjid Peunteut Kecamatan Blang Mangat Kota Lhokseumawe memanfaatkan media sosial online untuk keperluan promosi produknya. Khalayak sasarannya adalah para pedagang kecil, industri rumah tangga (produksi keripik pisang, roti/cake), dan jasa rias kecantikan. Jumlah peserta sekira 5 orang. Usaha mitra UKM di Kecamatan Blang Mangat Lhokseumawe diketahui kurang berkembang dikarenakan manajemen pengelolaan usaha bersifat tradisional, segmentasi pasar sangat terbatas, dan tidak kreatif memanfaatkan  teknologi informasi berupa media sosial online untuk keperluan pemasaran produk. Media sosial yang banyak digunakan oleh publik saat ini seperti toko online, twitter, whats App, line, istagram, BBM, facebook, dan youtube tidak dapat dimanfaatkan untuk keperluan promosi produk dagangannya. Hasil kegiatan menunjukkan sekira 82% mitra ipteks telah menguasai konsep pemasaran, manajemen usaha, dan promosi online.      Keywords : Promosi Online, Produk Usaha Kecil
Co-Authors ., Hilmi Dasmi Husin, Dasmi Dewi, Nurmila Judijanto, Loso Mulyanti, Dwi Retno Noviya, Anis Rahmat Purnomo, Rahmat Sudarmanto, Eko Susianto, Tri Endar