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All Journal Jurnal Pendidikan Karakter Jurnal Siasat Bisnis Jurnal Manajemen Terapan dan Keuangan Jurnal Keuangan dan Perbankan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Briliant: Jurnal Riset dan Konseptual Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Ekonomi dan Bisnis EKONOMIS : Journal of Economics and Business J-MAS (Jurnal Manajemen dan Sains) Owner : Riset dan Jurnal Akuntansi Jambura Economic Education Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) International Journal of Economics, Business and Accounting Research (IJEBAR) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Orientasi Bisnis dan Entrepreneurship Yumary: Jurnal Pengabdian kepada Masyarakat International Journal of Community Service (IJCS) IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Management, Economic, and Financial Indonesian Journal of Economics, Business, Accounting, and Management
Kusumawardhani, Ratih
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The Influence of Financial Inclusion, Financial Literacy, and Financial Technology on The Financial Performance of MSMEs in Gunungkidul District Puspitasari, Novi; Sari, Pristin Prima; Kusumawardhani, Ratih
Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) Vol 3 No 5 (2025): Volume 3, No. 5, 2025
Publisher : PT SOLUSI EDUKASI BERDIKARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63901/ijebam.v3i5.132

Abstract

This study looks at how the financial performance of MSMEs in Gunungkidul Regency is affected by financial inclusion, financial literacy, and financial technology. Purposive sampling is the research methodology employed in this study. The R2, T, and F-Tests are used in this study for test hypotheses. The study's findings show that the financial success is significantly and favorably impacted by the financial inclusion variable, with a regression coefficient value of 6,675 and a significance value of 0,0000 < 0,05. As evidenced by its value of 6,242 and significance value of 0,0000 < 0,05; the financial literacy variable has a significant and favorable impact on financial performance. Financial technology also has a significant and beneficial impact, with a value of 3,187 and a significance value of 0,002 < 0,05.
The Influence of Operational Costs And Operational Revenues (BOPO), Debt To Equity Ratio (DER), and Capital Adequacy Ratio (CAR) On Profitability In Banking Companies Listed On The Indonesia Stock Exchange (IDX) For The 2018-2023 Period Fadhilah, Anisah Salma; Kusumawardhani, Ratih; Sari, Pristin Prima
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 3 (2025): Dinasti International Journal of Economics, Finance & Accounting (July-August 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i3.4653

Abstract

This study investigates the influence of the Operational Costs to Operational Revenues Ratio (BOPO), Debt to Equity Ratio (DER), and Capital Adequacy Ratio (CAR) on the profitability of Indonesian banks listed on the Indonesia Stock Exchange (IDX) during the period from 2018 to 2023. Employing a quantitative approach and multiple linear regression analysis, the research reveals that BOPO has a significant negative impact on profitability, indicating that higher operational costs lead to diminished profitability. In contrast, both DER and CAR exhibit significant positive effects, highlighting that increased leverage and adequate capital can enhance profitability. The study applies purposive sampling, selecting 25 banks based on specific criteria, and relies on secondary data from financial reports. Classical assumption tests—such as normality, multicollinearity, autocorrelation, and heteroscedasticity—verify the reliability of the data. The findings demonstrate that BOPO, DER, and CAR collectively account for 45% of the variation in profitability, while the remaining 55% is attributed to external factors. These results align with previous studies emphasizing the critical roles of operational efficiency, leverage management, and capital adequacy in driving bank profitability. This study provides valuable insights for bank executives, investors, and policymakers, underscoring the importance of efficient cost control, balanced leverage, and sufficient capital to ensure financial stability and profitability within the banking sector.
Pengaruh Literasi Keuangan, Keuangan Digital dan Inklusi Keuangan Terhadap Kinerja Keuangan UMKM di Yogyakarta Yulaiha, Ambar Ilham; Hermuningsih, Sri; Kusumawardhani, Ratih
Jambura Economic Education Journal Vol 7, No 3 (2025): : July 2025
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v7i3.29555

Abstract

This study examines the influence of financial literacy, digital finance, and financial inclusion on the financial performance of MSMEs in Yogyakarta. Data were collected from MSME owners through online questionnaires. The results show that MSMEs with good financial literacy, utilize digital finance, and have broad financial inclusion tend to have better financial performance. These findings are relevant given the increasing importance of the role of MSMEs in regional and national economies.
What are The Factors that Influence The Investment Intentions of Generation Z in Yogyakarta? Shefyana, Ricka; Kusumawardhani, Ratih; Damanik, Johannes Maysan
Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) Vol 3 No 6 (2025): Volume 3, No. 6, 2025
Publisher : PT SOLUSI EDUKASI BERDIKARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63901/ijebam.v3i6.144

Abstract

This study analyzes the factors influencing investment intentions among Generation Z in Yogyakarta by applying the Theory of Planned Behavior (TPB). The variables examined include past behavior and subjective norms toward investment intention. A quantitative approach was employed, with data collected through online questionnaires distributed to 149 Generation Z respondents. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that past behavior has a positive and significant effect on investment intention, with a coefficient of 0,480 (p-value 0,001). Similarly, subjective norms also have a positive and significant effect on investment intention, with a coefficient of 0,451 (p-value 0,002). These findings highlight the importance of prior investment experience and social environment in shaping Generation Z’s investment intentions.
Pengaruh Literasi Keuangan, Sikap Keuangan Dan Gaya Hidup Pada Perilaku Keuangan Generasi Milenial Pratama, Dimas Yogi; Kusumawardhani, Ratih; Maulida, Alfiatul
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 1 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i1.24215

Abstract

This research aims to determine the influence of financial literacy, financial attitudes and lifestyle on the financial behavior of the millennial generation. And to find out whether these variables influence each other. The method used in this research is quantitative with 101 respondents. Data was collected via a Google form which was distributed online and processed using SPSS 2.0. The findings found that financial literacy had no significant effect on financial behavior. Financial attitudes have a significant influence on financial behavior in the millennial generation. Meanwhile, lifestyle has a significant influence on financial behavior in the millennial generation. This research provides information regarding the influence of financial literacy, financial attitudes and lifestyle on financial behavior which is very useful and can be used as an input regarding financial behavior in the millennial generation.
The Effect of Good Corporate Governance on Stock Return Volatility During The Covid 19 Pandemic on Tourism Companies Listed on The Indonesia Stock Exchange in 2019-2022 Aliyah, Aliyah; Kusumawardhani, Ratih; Sari, Pristin Prima
Journal of Management Economic and Financial Vol. 2 No. 1 (2024): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jmef.v2i1.26

Abstract

This study investigates the impact of good corporate governance on stock return volatility within the context of the COVID-19 pandemic, focusing on tourism companies listed on the Indonesia Stock Exchange from 2019 to 2022. The research examines how effective corporate governance practices contribute to managing stock return volatility during this challenging period. By analyzing financial data and corporate governance indicators, the study aims to provide insights into the relationship between corporate governance and stock market dynamics in the turbulent environment brought about by the pandemic.
Pengaruh Tangibility Asset, Size, dan Volatilitas Terhadap Financial Distress Pada Bumn di Bursa Efek Indonesia Alvita, Devi; Kusumawardhani, Ratih; Sari, Pristin Prima
BRILIANT: Jurnal Riset dan Konseptual Vol 9 No 4 (2024): Volume 9 Nomor 4, November 2024
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/briliant.v9i4.1790

Abstract

This research aims to determine the effect of asset tangibility, size and volatility on financial distress. In estimating financial distress in this research, the Altman Z-score model was used. With a sample size of 27 state-owned companies for 4 years or during COVID-19. The results of the analysis obtained are that the asset tangibility variable states that it has no effect on financial distress. Because, a high asset tangibility value will not necessarily prevent the company from financial distress. The size variable shows that it has no effect on financial distress. Companies that have a large number of assets will not necessarily avoid financial distress or financial difficulties. The volatility variable shows an influence on financial distress. Companies that have low volatility values ​​do not necessarily always experience financial distress or financial difficulties, and vice versa. This is because the volatility value will affect investors who will invest. This research concludes that state-owned companies listed on the Indonesia Stock Exchange for the 2019-2022 period or during the COVID-19 pandemic did not have a significant influence on financial distress. However, during COVID-19, banking and health companies made very rapid profits.
Pengaruh Struktur Modal, Ukuran Perusahaan, dan Pertumbuhan Perusahaan terhadap Profitabilitas dan Dampaknya terhadap Nilai Perusahaan Riyana, Nita; Kusumawardhani, Ratih; Rinofah, Risal
Owner : Riset dan Jurnal Akuntansi Vol. 8 No. 2 (2024): Artikel Research April 2024
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v8i2.1998

Abstract

This research aims to examine the influence of capital structure, firm size, and firm growth on profitability and its impact on firm value. The population used in this research is all Food and Beverage Companies listed on the Indonesia Stock Exchange during the 2018-2022 period, totaling 84 companies. The sampling technique used was purposive sampling technique by considering several criteria and a sample of 16 companies was obtained with an observation period of 5 years. This research uses multiple linear regression analysis techniques and path analysis with the help of SPSS version 26 analysis tools. The research results show that capital structure has a negative and significant effect on profitability. Firm size has a positive and significant effect on profitability. Firm growth has a positive and insignificant effect on profitability. Meanwhile, profitability has a positive and significant effect on firm value. The influence of capital structure on profitability both directly and indirectly is 13,2%. The influence of firm size on profitability both directly and indirectly is 2,4%. The influence of firm growth on profitability both directly and indirectly is 3,6%. The total or combined influence of the capital structure, firm size, and firm growth variables on profitability is 19,2%, while the remaining 80,8% is influenced by other variables not included in this research. The influence of profitability on firm value is 25,9%, while the remaining 74,1% is influenced by other variables not included in this research.
FINANCIAL LITERACY AMONG GENERATION Z: RELATIONSHIP BETWEEN KNOWLEDGE, SKILLS, ATTITUDES, AND BEHAVIOR (CASE STUDY OF STUDENTS OF THE FACULTY OF ECONOMICS UNIVERSITY SARJANAWIYATA TAMANSISWA YOGYAKARTA) Najong, Fransiska Jesika; Kusumawardhani, Ratih; Damanika, Johannes Maysan
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 2: April - June 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i2.29818

Abstract

This study aims to determine the level of financial literacy among generation Z and to test the correlation of financial knowledge, financial attitudes, and financial skills with their financial behavior. This study was conducted on students of the Faculty of Economics, Sarjanawiyata University, Tamansiswa. This study uses a quantitative research method. The data source used is primary data by distributing questionnaires via Google Form to respondents. The analysis method used is SEM-PLS, with a sample size of 120 respondents. The sampling technique uses the Slovin formula. This study shows that (X1) financial knowledge has no effect on financial behavior, (X2) financial skills have no effect on financial behavior and (X3) financial attitudes have an effect on financial behavior variables.
The moderating effect of income diversification on intellectual capital and company performance: Case study of banking in Indonesia Wahyuningtias, Eko; Kusumawardhani, Ratih
Jurnal Siasat Bisnis VOL 28, NO 1 (2024)
Publisher : Management Development Centre (MDC) Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jsb.vol28.iss1.art7

Abstract

Purpose – This research aims to examine the influence of intellectual capital on company performance, analyze the moderating effect of revenue diversification, and provide additional insight into intellectual capital.Design/methodology/approach – This research uses 38 banks in Indonesia that are listed on the Indonesia Stock Exchange (BEI) out of a total of 47 banks as research samples. The collected data was analyzed using linear regression and moderated regression analyses to test the effect of intellectual capital on company performance and the moderating impact of income diversification on intellectual capital and company performance.Findings – The results of the regression analysis show that intellectual capital (VAIC) has a positive effect on company performance. In contrast, income diversification is having a moderating impact on intellectual capital and company performance. The intellectual capital component has varying influences on company performance. Whereas VACA has a positive effect on company performance, VAHU also has a positive effect on company performance. In contrast, STVA does not affect company performance. Based on the moderation test, income diversification does not moderate the relationship between intellectual capital components and company performance.Research limitations/implications – This research uses the VAIC method to measure intellectual capital using financial report benchmarks. Future researchers should consider using new techniques that are more accurate and comprehensive in measuring intellectual capital. Thus, further research will provide a more precise picture of intellectual capital's influence in improving banking companies' performance.Practical implications – This research shows that banking activities with an intellectual capital orientation tend to improve company performance. So, it is recommended for banking companies to utilize and develop the intellectual capital they have.Originality/value – This research provides an understanding of intellectual capital. This research also contributes to developing economic theory related to intellectual capital and company performance.
Co-Authors Alfiatul Maulida, Alfiatul Aliyah, Aliyah Alvita, Devi Anjelika, Aviva Ari Setiawan Ariantanto, Wimar Arnoldus, Rensiana Cabelita Astuti, Nuryani Dwi Aziz, Mohd Kasturi Nor Abd Damanik, Johannes Maysan Damanika, Johannes Maysan Dewi, Esta Lestariana Fadhilah, Anisah Salma Farom, Sogun Al Gendro Wiyono Handayani, Laras Rizki Harefa, Ade Candra Hartono, Arif Ismalia, Dhiah Alda Jamaluddin, Akmal Krisnawan, Andik Damar Lamak, Rositha Lusia Lema Lasera, Greis Lero, Stevani Maha Putri, Virginia Athadhita Mami Hajaroh Marzuki Marzuki Mubarokah, Saidah Najong, Fransiska Jesika Noperian, Jogi Novi Puspitasari Nurjana, Anisa Nurkamilah Nurkamilah Pamungkas , Oscar Pesireron, Johannes Martin Pradana, Reza Yudha Pratama, Dandi Yoga Pratama, Dimas Yogi Prihatin, Wijiasih Prima Sari, Pristin Putrisia, Ezdwima Ramadhanti, Ardita Puri Rinofa, Rizal Risal Rinofah, Risal Riyana, Nita Romadhany, Desvyana Ruron, Priska Lolita Saleh, Chicih Sandika, Eugenius Flaviano Sari, Pristin Prima Shefyana, Ricka Sri Hermuningsih Taek, Wilhelmus Tua, Sahat Mangahut Utami, Cindy Rahmawati Putri Viki Yuni Astuti Wahyuningtias, Eko Wulandari, Hana Yulaiha, Ambar Ilham Yuli Prihatni Yuninda, Yuninda Yusmeco, Vito Alviandri