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All Journal Jurnal Manajemen Terapan dan Keuangan Ekonomi Bisnis Asia-Pacific Management and Business Application Hasanuddin Economics and Business Review Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Revitalisasi : Jurnal Ilmu Manajemen RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Formosa Journal of Multidisciplinary Research (FJMR) Jurnal Dehasen Untuk Negeri Multifinance Student Journal of Business and Management (SJBM) Management Analysis Journal Jurnal Akuntansi
Zoraya, Intan
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences Other

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DAMPAK PILKADA SERENTAK 27 JUNI 2018 TERHADAP ABNORMAL RETURN DAN AKTIVITAS VOLUME PERDAGANGAN SAHAM DI BEI Zoraya, Intan; Murni, Trisna; Saputra, Fachri Eka; Bahri, Syamsul; Kananlua, Paulus Suluk
Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Vol 5 No 1 (2020)
Publisher : Economic Faculty, Attahiriyah Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (372.746 KB)

Abstract

Purpose-Analyze and empirically test the difference in abnormal returns and trading volume activities before and after the simultaneous local elections on June 27, 2018. Design/methodology/approach-Data collection is done by the documentation method. Sampling was carried out using the purposive sampling method, with the sample criteria being that the company’s shares were listed as issuers on the IDX which were included in the LQ 45 group during the study period from June 25, 2018, to June 30, 2018, and actively traded during the study period.Findings- The results of this study indicate that the elections affect the Indonesia Stock Exchange. This can be seen from the difference in the average abnormal return and the average trading volume activity before and after the elections. Implications-The results of this study will be able to help provide relevant information for capital market players to be more sensitive to direct or indirect activities that can affect stock prices. Keywords: Abnormal Returns, Trading Volume Activities, Stock
PENGARUH PENGETAHUAN, MODAL BERINVESTASI AWAL DAN PERSEPSI RESIKO TERHADAP KEPUTUSAN INVESTASI GENERAI MILENIAL KOTA BENGKULUDI PASAR MODAL (Studi Khusus pada Mahasiswa Universitas Bengkulu) Lupita, Reska; Zoraya, Intan
Jurnal Manajemen Terapan dan Keuangan Vol. 12 No. 04 (2023): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v12i04.29698

Abstract

Pada zaman sekarang ini investasi merupakan suatu hal yang sangat umum bagi masyarakat, terlebihnya di kalangan mahasiswa. Investasi merupakan suatu alternatif yang bisa digunakan oleh mahasiswa. Sebelum mengambil keputusan berinvestasi mahasiswa terlebih dahulu memahami mengenai investasi, modal dalam berinvestasi dan risiko dari investasi. Penelitian ini bertujuan untuk mengetahui pengaruh variabel pengetahuan, modal investasi awal dan persepsi risiko terhadap keputusan berinvestasi mahasiswa Universitas Negeri Bengkulu. Teknik analisis data dalam penelitian ini adalah analisis regresi berganda dengan menyebarkan kuesioner. Hasil penelitian menyebutkan bahwa variabel pengetahuan, modal investasi awal dan persepsi risiko secara simultan berpengaruh positif dan signifikan terhadap Keputusan Investasi mahasiswa Universitas Negeri Bengkulu untuk berinvestasi di Pasar Modal. Kata Kunci: pengetahuan; modal investasi awal; persepsi risiko; keputusan investasi; pasar modal
ANALISIS PENGARUH LITERASI KEUANGAN DAN MANAJEMEN KEUANGAN PRIBADI TERHADAP KEPUTUSAN PENGGUNAAN KREDIT PADA KAUM MILENIAL: Saputra, Aseng; Zoraya, Intan
Jurnal Manajemen Terapan dan Keuangan Vol. 13 No. 01 (2024): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v13i01.30010

Abstract

Dengan fenomena dimana semakin banyak masyarakat yang menggunakan jasa lembaga pembiayaan kredit, maka pemahaman terhadap sistem keuangan sangatlah diperlukan bagi setiap individu. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh literasi keuangan dan manajemen keuangan pribadi terhadap keputusan penggunaan kredit pada generasi milenial di kota Bengkulu. Populasi dalam penelitian ini adalah generasi milenial yang berdomisili di Kota Bengkulu yang berjumlah 100 responden. Teknik pengambilan sampel yang digunakan adalah teknik Slovin dan purposive sampling. Data yang digunakan merupakan data primer yang diperoleh melalui kuesioner online. Untuk melihat hasil hipotesis digunakan aplikasi SPSS untuk mengolah data. Hasil penelitian menunjukkan bahwa literasi keuangan dan pengelolaan keuangan pribadi berpengaruh positif dan signifikan terhadap keputusan penggunaan kredit
Analisis Faktor Faktor yang Mempengaruhi Non Performing Loan pada Bank Pemerintah Daerah di Indonesia Permata, Yoeni Reza; Zoraya, Intan
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 3 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i3.5530

Abstract

In this study, researchers observed non-performing loans for the 2019-2022 period at 23 local government banks in Indonesia. This study uses eight independent variables: return on equity, firm size, GDP, equity ratio, capital adequacy ratio, loan-to-deposit ratio, net interest margin, inflation, and the composite stock price index. Meanwhile, bad debts are the dependent variable used. The results of the study using multiple linear regression analysis show that non-performing loans are influenced by capital adequacy ratio, net interest margin, return on equity, and company size. Non-performing loans are not affected by loan to deposit ratio, inflation, GDP, or the composite stock price index.
Environmental, Social, Dan Governance Disclosure Terhadap Value Perusahaan Hayati, Norma; Zoraya, Intan
REVITALISASI : Jurnal Ilmu Manajemen Vol 12 No 2 (2023): REVITALISASI : Jurnal Ilmu Manajemen
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/revitalisasi.v12i2.4547

Abstract

This research aims to assess the impact of environmental, social and governance factors on company valuation. This research utilizes a sample of mining companies listed on the Indonesia Stock Exchange in the period 2018 to 2022. Data analysis utilizes multiple regression analysis, with the independent variable represented by the ESG score and the dependent variable represented by firm value . The analysis was carried out using evwies 12. Research findings show that the implementation of Environmental and Social disclosures does not produce a statistically significant impact on company valuation. In the field of corporate affairs, it has been empirically shown that governance transparency practices have a major impact on overall company value.
Influence of Financial Literacy, Financial Technology, Hedonism Lifestyle, and Self-Control on Financial Management Behavior of Undergraduate Students at the University of Bengkulu Refianti, Refianti; Zoraya, Intan
Student Journal of Business and Management Vol. 7 No. 2 (2024)
Publisher : Universitas Bengkulu

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

Abstract

The research aims to find out whether financial literacy, financial technology, hedonism lifestyle, self-control influence the financial management behavior of Bengkulu University students. The research method used in this study is quantitative using primary data collected through questionnaires distributed online through various social media. This study distributed questionnaires to 120 respondents from students of the University of Bengkulu who has a bussiness and then processed statistically using IBM SPSS 24 and multiple linear regression methods. The research finding that financial literacy has a positive and significant effect on financial management behavior, financial technology has no effect on financial management behavior, hedonism lifestyle has no effect on financial management behavior, and self-control has a positive and significant effect on financial management behavior.
Corporate Governance and Financial Distress: Empirical Evidence of Energy Sector Companies on the Indonesia Stock Exchange Debora, Dea Niken; Zoraya, Intan
Formosa Journal of Multidisciplinary Research Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v4i1.12679

Abstract

The present paper is an empirical analysis of the impact of corporate governance on financial distress in companies listed on the Indonesia Stock Exchange (IDX) over the period from 2016 to 2023. Financial distress is measured by the Altman Z-score model. Variables of corporate governance include institutional ownership, managerial ownership, the ratio of independent commissioners, and board size. The sample consisted of 107 companies. Multiple linear regression was used to analyze the data. The results proved that institutional ownership and managerial ownership do not significantly affect financial distress. On the other hand, it was found that independent commissioners and board size have a considerable negative impact to, while the board of commissioners has a positive impact. Among the control variables, Leverage is negatively significant, whereas firm size is highly significant.
How Financial Literacy, Financial Attitudes and Personality Affect MSMe Management Behavior? Case in Bengkulu Aziz, Dwi Abdul; Zoraya, Intan
Hasanuddin Economics and Business Review VOLUME 7 NUMBER 3, 2024
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v7i3.5126

Abstract

MSMEs often overlook the presence of financial management, particularly the implementation of appropriate financial management and accounting standards. As a result, financial management becomes a problem for them. Micro business actors often do not know much about accounting and their education also influences their knowledge. This research aims to determine the effect of financial literacy, financial attitudes and personality on financial management behavior among MSMEs in Bengkulu City. The population of this research is MSME entrepreneurs in Bengkulu, with taking 101 samples. To determine the samples, this study uses a random sampling technique. Finally, the research results show that financial literacy effects financial management behavior, financial attitudes and personality with 0.428. In addition, the R Square value is 0.851, meaning that Financial Literacy, Financial Attitude and Personality impact Financial Management Behavior with 85.1%. Independent variables outside the model influence the remaining dependent with 14.9%. Furthermore, MSME actors needs to improve their skills, knowledge and attitude to manage their finances sensibly. A proper financial behavior could rise with possessing an access to all the financial information that may require in order to make financial decisions.
KINERJA CORPORATE SOCIAL RESPONSIBILITY DAN PERHATIAN INVESTOR: DETERMINAN KINERJA PERUSAHAAN DI SEKTOR PERBANKAN INDONESIA Kurnia, Nisa; Zoraya, Intan
Jurnal Ilmiah Ekonomi Bisnis Vol 30, No 1 (2025)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2025.v30i1.13071

Abstract

Tujuan dari riset ini untuk menguji apakah terdapat pengaruh dari kinerja corporate social responsibility (CSR) dan perhatian investor yang diproksikan dengan Google Search Volume (GSV) terhadap kinerja perusahaan.  Pada penelitian ini variabel independen yang digunakan yaitu adalah CSR dan GSV, sedangkan return on equity (ROE) dan return saham sebagai variabel dependen, serta beberapa variabel kontrol seperti suku bunga, leverage, age, dan size. Penelitian ini menggunakan metode kuantitatif dengan penentuan sampel yang didasarkan pada purposive sampling. Jumlah sampel akhir yang didapatkan berdasarkan kriteria yaitu adalah 32 perusahaan industri perbankan yang go publik di Bursa Efek Indonesia (BEI) dari tahun 2018-2023, dengan total observasi sebanyak 192 (perusahaan-tahun). Penelitian ini menggunakan data sekunder yang didapatkan dari beberapa sumber seperti website dan laporan tahunan perusahaan industri perbankan. Data dianalisis dengan menggunakan metode analisis regresi data panel dan diolah dengan bantuan software e-views 12. Hasil riset ini menunjukkan bahwa CSR serta perhatian investor yang diproksikan dengan GSV tidak  memengaruhi kinerja perusahaan yang diukur dengan ROE. Sebaliknya, CSR dan GSV memengaruhi kinerja perusahaan yang diukur dengan return saham.
THE ROLE OF FINANCIAL TECHNOLOGY (FINTECH) IN MANAGING UMKM FINANCE IN NORTH BENGKULU DISTRICT Zoraya, Intan; Kamaludin, Kamaludin; Santi, Fitri; Rahmayanti, Dewi; Afandy, Chairil
Multifinance Vol. 2 No. 3 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i3.328

Abstract

This study examines the role of financial technology (fintech) in improving financial literacy among Micro, Small, and Medium Enterprises (MSMEs) in North Bengkulu Regency. Along with the development of technology and people's need for more efficient financial services, fintech has emerged as a solution to facilitate financial transactions. However, the community's low understanding of fintech can lead to financial risks, especially for MSME groups that tend to be consumptive. The research involved socialization and education on the use of fintech, with a focus on its positive impact and how to use it wisely. The methods used included surveys, presentations, and interactive discussions with participants. The results of the activity showed an increase in participants' knowledge of fintech and its potential utilization to improve financial transactions. This activity is expected to encourage local economic growth and increase public awareness of the importance of financial literacy in the digital era. Therefore, continuous education and support are needed to ensure that people can optimally utilize fintech.
Co-Authors Apriansyah, Syahrud Aziz, Dwi Abdul Chairil Afandy Debora, Dea Niken Dewi Rahmayanti Elvionita, Melinia Fitranita, Vika Fitri Santi Kamaludin Kamaludin Kananlua, Paulus Suluk Kurnia, Nisa Lupita, Reska Murni, Trisna Norma Hayati, Norma Permata, Yoeni Reza Putra, Mukti Trio Putri, Lydia Gustina Refianti, Refianti Saputra, Aseng Saputra, Fachri Eka Siregar, Nella Astria Syamsul Bahri Widanti, Afrima Wijayanti, Indah Oktari Willy Abdillah