Garuda - Garba Rujukan Digital

Analisis pengaruh sikap finansial, pengalaman finansial dan kepribadian terhadap perilaku manajemen keuangan dimediasi oleh literasi finansial Amalia, Naili; Hamdani , Muhammad Luthfi
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. Spesial Issue 5 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

This study aims to determine the effect of financial attitudes, financial experience, and financial literacy on financial management behavior. Respondents are Small and Medium Enterprises in the city of Surakarta which found 186 people as a sample. The data were processed using the SPSS version 25 application and the Sobel Online Calculator to test the effect of mediation. The results of this study found that each variable of financial attitude, financial experience and personality had a significant positive effect on the financial literacy of SMEs in the city of Surakarta. Furthermore, in the second equation, the variables of financial attitude, financial experience and personality are known to have a significant positive influence on the financial management behavior of SMEs in Surakarta, but the financial literacy variable does not have a significant effect on financial management behavior. The results of the mediation effect test in this study found that financial literacy could not mediate the indirect effect of financial attitudes, financial experience and personality on the financial management behavior of SMEs in the city of Surakarta.

Volatilitas Market Cap Pada BEI Periode 2019-2021 Amalia, Naili; Sunarso, Sunarso
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 5 No. 3 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/fairvalue.v5i3.2644

Stocks are indeed one of the most eye-catching investments for investors. As an investor, you need clear directions regarding the volatility of each layer of the market cap of stocks. Knowing the volatility of each layer of the market cap will provide consideration for investors before making an investment. This will involve considering the amount of return and risk that will be faced. The higher the volatility of stock prices, which gives a signal, the higher the risks that will be faced. Lower volatility signals that companies tend to have a higher market cap and lower risk. This research method uses quantitative methods with descriptive analysis and uses secondary data. The population of this study is the shares of companies listed on the IDX from 2019 to 2021, taken by purposive sampling, where at each layer of the market cap there are 30 companies. The results showed that there was a significant difference in the value of volatility in the market cap layer. While the results of risk and stock returns for each layer of market cap have differences but are not significant.

Pengaruh Aspek Keuangan, Inklusi Keuangan, Kompetensi Kewirausahaan dan Orientasi Pasar Terhadap Kinerja UMKM (Studi Kasus pada UMKM Fashion di Surakarta Tahun 2023) Fadhila, Rizkya; Amalia, Naili
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 1 (2025): Januari: Economics and business economics in Humanity
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/194ese07

Micro, Small and Medium Enterprises (MSMEs) are at the forefront of economic development in Indonesia. In the current era, MSMEs are growing increasingly massively, especially in the fashion sector, where in 2022, MSMEs are increasingly selling imported clothing. The city of Surakarta is an object because the growth of MSMEs in the fashion sector is quite high, reaching 781 new MSMEs in 2023, where the performance of MSMEs is an important discussion to research. This research aims to analyze the influence of financial aspects, financial inclusion, entrepreneurial competence and market orientation on the performance of MSMEs. The population in this study was 1,049 MSMEs in the fashion sector with 100 samples taken using a simple random sampling technique. The data collection technique uses a questionnaire. Data analysis techniques use validity tests, reliability tests, classical assumption tests, descriptive analysis, multiple linear regression analysis, F test, t test and coefficient of determination test. The results of the analysis stated that all questionnaire items as research instruments were valid and reliable, as well as the classical assumption tests, including the multicollinearity test, autocorrelation test, heteroscedasticity test and normality test, all variables were declared to have passed the classical assumption test. Multiple linear regression analysis obtained the equation Y = 0.958 + 0.090X1 + 0.513X2 + 0.367X3 + 0.124X4 + e, meaning that all regression coefficients are positive, which means that the variables X1 (financial aspect), X2 (financial inclusion), X3 (entrepreneurial competence) and X4 (market orientation) have a positive effect on the performance of MSMEs in the fashion sector in Surakarta. The partial hypothesis test obtained from financial aspects and market orientation does not have a significant effect on the performance of MSMEs in the fashion sector in Surakarta, while financial inclusion and entrepreneurial competence have a significant effect on the performance of MSMEs in the fashion sector in Surakarta. The F test states that the research model for the influence of the independent variable on the dependent variable is appropriate. The coefficient of determination test shows that financial aspects, financial inclusion, entrepreneurial competence and market orientation are able to explain the performance of MSMEs by 58.9%.

Edukasi Perilaku Keuangan Keluarga yang Baik Saat Bulan Ramadhan pada TPA IT Baiti Jannati Surakarta Amalia, Naili; Hamdani, Muhammad Luthfi
Jurnal Dharma Bhakti Ekuitas Vol. 9 No. 1 (2024): Jurnal Dharma Bhakti Ekuitas
Publisher : Universitas Ekuitas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v9i1.778

The month of Ramadan is known to be the peak of economic liquidity where household spending increases rapidly. So it is necessary for every household to prepare themselves so as not to be trapped in detrimental financial behavior. Good financial behavior can be seen from the decision to use money when faced with needs that must be spent effectively, for saving, and for investment. Education on family financial behavior is carried out in the parent parenting class of TPA IT Baiti Jannati, Surakarta. The method of this service is education through problem identification, presentation of material, and discussion. Some of the parenting participants said that there was minimal financial preparation for Ramadan. Mental and psychological readiness in facing Ramadan is the main key to avoid pressure and stress due to increased spending. Therefore, a special plan is needed to face Ramadan by implementing strategies to increase income, managing personal finances, implementing coping strategies with planful problem solving, self control, utilising technology and financial technology. It is strongly recommended and recommended that before Ramadan, you must have prepared Ramadan finances by making Ramadan Savings. In addition, you must be wise in shopping, manage finances in such a way that all needs are fulfilled without any deficit or debt. The existence of this activity is expected that participants have better knowledge related to financial behaviour and can make wiser financial decisions during the month of Ramadan with the use of financial infrastructure. Keywords: Financial decisions, financial behavior, month of ramadan. Abstrak Bulan Ramadhan diketahui menjadi puncak likuiditas perekonomian dimana pengeluaran rumah tangga meningkat pesat. Sehingga perlu setiap rumah tangga perlu mempersiapkan diri agar tidak terjebak pada perilaku keuangan yang merugikan. Adapun perilaku keuangan yang baik bisa dilihat dari keputusan penggunaan uang di saat dihadapkan pada kebutuhan yang harus dikeluarkan secara efektif, untuk menabung, dan untuk investasi Edukasi perilaku keuangan keluarga dilakukan pada kelas parenting wali murid TPA IT Baiti Jannati, Surakarta. Metode dalam pengabdian ini berupa edukasi melalui identifikasi masalah, pemaparan materi, dan diskusi. Beberapa dari peserta parenting mengakatakan jika memang minim akan persiapan keuangan menghadapi Ramadhan. Kesiapan mental dan psikis dalam menghadapi Ramadhan kunci utama untuk menghindari adanya tekanan dan stress karena peningkatan pengeluaran. Maka dari itu perlu rencana khusus untuk menghadapi Ramadhan dengan menerapkan strategi peningkatan pendapatan, pengelolaan keuangan pribadi, penerapan strategi coping dengan planful problem solving, self control, pemanfaatam teknologi dan financial teknologi. Sangat disarankan dan dianjurkan sebelum Ramadhan harus sudah mempersiapkan keuangan Ramadhan dengan cara membuat Tabungan Ramadhan. Selain itu harus bijak dalam berbelanja, kelola keuangan sedemikian rupa hingga terpenuhinya semua kebutuhan tanpa adanya defisit atau hutang. Adanya kegiatan ini peserta diharapkan memiliki pengetahuan lebih baik terkait perilaku keuangan dan bisa mengambil keputusan keuangan yang lebih bijak selama bulan Ramadhan dengan pemanfaatan insfrastruktur financial. Kata Kunci: Keputusan keuangan, perilaku keuangan, bulan ramadhan.

Membangun Generasi Muda yang Mandiri dan Melek Keuangan Melalui Financial Literacy pada Karang Taruna Trisakti Wonogiri Amalia, Naili; Sunarso, Sunarso; Oktovita Sari, Putri
Jurnal SOLMA Vol. 14 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v14i1.17099

Background: Organisasi Karang Taruna biasanya diikuti oleh Masyarakat pada usia 15 – 30 tahun. Banyak di antara anggota yang belum memahami konsep dasar keuangan, seperti budgeting, saving, investing, dan pengelolaan risiko keuangan. Tujuan utama adalah mengukur tingkat konsistensi serta memperbaiki langkah dalam proses pengelolaan keuangan serta meningkatkan ilmu tentang financial literacy. Metode: Kegiatan ini dilakukan pada anggota Karang Taruna Trisakti yang beralamat di Desa Sendang Ijo Rt 03/08 Kecamatan Selogiri Kabupaten Wonogiri. Solusi ditawarkan melalui edukasi, pemanfaatan teknologi, diskusi, komitmen diri, pemanfaatan media sosial serta evaluasi. Hasil: Peserta tidak hanya memperoleh materi, tetapi juga memiliki kesempatan untuk berkonsultasi secara langsung mengenai permasalahan finansial yang mereka hadapi, baik dalam konteks pribadi maupun keluarga. Dengan demikian, mereka semakin menyadari betapa pentingnya literasi keuangan sebagai landasan untuk mencapai kesejahteraan ekonomi di masa depan, baik untuk diri sendiri maupun bagi lingkungan sekitar. Kesimpulan: Diharapkan secara konsisten anggota Karang Taruna Trisakti melakukan perubahan aktif dalam pengelolaan keuangan kearah yang jauh lebih baik untuk menuju financial freedom sesuai dengan apa yang telah dilakukan oleh kegiatan ini.

Pengaruh Rasio Keuangan terhadap Financial Distress pada Perusahaan Sektor Transportasi dan Logistik yang Terdaftar di Bei Tahun 2019-2024 Clarentia Agustin Christie Ziliwu; Amalia, Naili
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i4.2775

This study aims to examine the effect of financial ratios on financial distress in transportation and logistics sector companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. The research employed a documentation method by collecting secondary data from the companies’ financial statements within the observed period. The financial ratios analyzed include profitability, liquidity, leverage, and activity. The level of financial distress was measured using the Altman Z-Score method. The sample was selected using a purposive sampling technique, consisting of 22 companies observed over six years. Data analysis was conducted using panel data regression with the assistance of EViews 12, with the selected model being the Fixed Effect Model (FEM). The partial test results indicate that profitability, liquidity, leverage, and activity ratios do not have a significant effect on financial distress. However, the simultaneous test results show that the four variables together significantly affect financial distress. These findings suggest that financial ratios cannot serve as a single indicator in assessing a company’s financial distress. Nevertheless, when used collectively and combined with the Altman Z-Score measurement, they can provide a more accurate assessment of a company’s financial distress condition.

The effect of business digitalization, technology utilization, and financial literacy on the sustainability of MSMEs in Surakarta Hamdani, Muhammad Luthfi; Amalia, Naili
Review of Management, Accounting, and Business Studies Vol. 3 No. 2 (2022)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v3i2.4841

Micro and Small Enterprises (MSMEs) constitute one of the business categories forming the backbone of the national economy, including in the city of Surakarta, Central Java. According to data from the Central Bureau of Statistics (BPS) in 2019, Surakarta had 1,863 micro and small business actors, employing 42,962 workers. The continuity of SMEs is anticipated to play a crucial role in strengthening the community's economy. Against this backdrop, this study aimed to analyze the impact of business digitalization, technology use, and financial literacy on the sustainability of SMEs in Surakarta. The research employed a quantitative approach, with data analysis conducted using multiple linear regression tests. The results revealed that the independent variables of business digitalization, technology use, and financial literacy each had a significant positive effect on business sustainability individually. Simultaneously, all three variables significantly influenced business sustainability. Based on these findings, it is recommended that future SMEs focus on enhancing their business digitalization, technology use, and understanding of financial literacy.

PENGEMBANGAN ERA DIGITAL MARKETING KELOMPOK UMKM PEREMPUAN SRIKANDI GILINGAN BANJARSARI SURAKARTA Amalia, Naili; Sunarso, Sunarso; Aprian Aditama, Rizky Ramadhan
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

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

The perpetrators of the Women's Srikandi Gilingan MSME group in Banjarsari, Surakarta, are classified as living in densely populated villages with a minimal economy. So far, the Women's Srikandi Gilingan Banjarsari Surakarta UMKM group has been active in making karak crackers. Not all members are involved in making these karak crackers. In the near future, there will be a development of processed catfish products into nuggets as a driver of economic growth for the Srikandi Gilingan Women's MSME group, Banjarsari, Surakarta. The obstacle is the lack of knowledge of the MSME group in marketing their products. The low level of digitalization has made the Women's Srikandi Gilingan Banjarsari Surakarta UMKM group not have a wide range of buyers. By offering the concept of a digital marketing strategy and implementing The Seven Laws, it will provide convenience for the Women's Srikandi Gillingan Banjarsari Surakarta MSME group in optimizing product sales. The results of the FGD formulation show that there are several steps that must be taken by members, including understanding social media channels, making publications on various social media, managing channels and consistently updating, increasing traffic, starting from existing social media. The greatest hope for this implementation will have a positive impact on the development of Srikandi's MSMEs. Kata kunci: Digital Marketing, UMKM Srikandi

PENGARUH PRIVATE LABEL DAN KUALITAS PRODUK TERHADAP NIAT PEMBELIAN PRODUK BERMEREK â€œSSâ€ DI SPESIAL SAMBAL CAB.WONOGIRI Aprian Aditama, Rizky Ramadhan; Sunarso, Sunarso; Amalia, Naili
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13311

This study aims to determine the extent to which Private Label (X1) and Product Quality (X2) influence Purchase Decision (Y). The study uses a quantitative approach with sampling using the Non-Probability Sampling method. The type of data used in this study is primary data obtained from questionnaires filled out directly by respondents. Secondary data comes from books, journals, research results, practical work reports, and related to the author's research object. In this study, the population that will be taken is all consumers of Spesial Sambal Wonogiri branch, which is immeasurable. Sample measurement is determined by using the Minimum Sample Size Determination formula for SEM according to Hair et al (2010): (Number of indicators + number of latent variables) x (5 to 10 times) Based on these guidelines, the maximum sample size for this study is: Maximum sample = (17 + 3) x 5 = 100 respondents. The analysis technique used to process and discuss the data and test the hypotheses in this study is multiple regression analysis using the SPSS application tool. Meanwhile, to assess consumer responses to the indicators, the author uses the Likert scale. The analysis tool used is multiple linear regression analysis. Using the SPSS analysis tool, the results of the study show that private label (X1) and product quality (X2), both partially and simultaneously, influence Purchase Decision (Y). Keywords : Private Label, Product Quality, influence Purchase Decision (Y)

Profitability, Leverage, and CSR: Determinants of Corporate Value in the Food and Beverage Industry on the Indonesia Stock Exchange Amalia, Naili; Wulandari, Rina
SENTRALISASI Vol. 15 No. 1 (2026): January
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i1.5055

This research addresses the ongoing inconsistency in prior empirical findings regarding the role of profitability, leverage, and Corporate Social Responsibility (CSR) in shaping firm value, particularly within the manufacturing sector of emerging markets. Specifically, the study examines the effect of profitability and leverage on firm value, with CSR positioned as a moderating variable in food and beverage sub-sector companies listed on the Indonesia Stock Exchange during the 2021–2023 period. Adopting a quantitative approach, the research applies multiple linear regression and moderation analysis using secondary data derived from annual and sustainability reports of firms selected through purposive sampling. Firm value is measured using Tobin’s Q, while profitability and leverage are proxied by Return on Assets (ROA) and Debt to Assets Ratio (DAR), respectively. The empirical results reveal that profitability (ROA) does not have a significant impact on firm value, whereas leverage (DAR) demonstrates a positive and significant effect. Moreover, CSR neither exerts a direct influence on firm value nor functions effectively as a moderating variable in the relationship between profitability, leverage, and firm value. The low Adjusted R-squared value of 3.44% indicates that firm value is influenced by a broader set of factors beyond the financial and non-financial variables incorporated in this model, highlighting a gap in existing explanatory frameworks. Theoretically, this study contributes to the literature by providing empirical evidence that challenges the assumed strategic role of CSR as a value-enhancing mechanism in the Indonesian manufacturing context.

Title

Found 11 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 11 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 11 Documents
Search