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Kusumawardhani, Ratih
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Pengaruh Likuiditas, Solvabilitas, dan Profitabilitas Terhadap Return Saham pada Perusahaan Manufaktur Sektor Makanan dan Minuman Yusmeco, Vito Alviandri; Hermuningsih, Sri; Kusumawardhani, Ratih
J-MAS (Jurnal Manajemen dan Sains) Vol 9, No 1 (2024): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v9i1.1128

Abstract

This study aims to examine and analyze the effect of liquidity, solvency and profitability on stock returns in Manufacturing companies in the Food and Beverage sector listed on the Indonesia Stock Exchange in 2017-2021. The population in this study were 21 companies in the Food and Beverage sector. The technique used in sampling in this study was purposive sampling, and a total sample of 12 companies was obtained. The analytical method used in this study is a quantitative analysis method using Microsoft Excel 2010 as a data tabulation tool and Statistical Product and Service Solutions (SPSS) version 21 as a tool used to test research data. The data used in this study is secondary data taken from the annual financial reports of Manufacturing companies in the Food and Beverage sector listed on the Indonesia Stock Exchange (IDX) during the 2017-2021 research period which can be accessed through the official website, namely www.idx.co. id, and other journals or articles related to this research. The results of this study indicate that liquidity as measured by CR has a negative and insignificant effect on stock returns, solvability as measured by (DER) has a negative and insignificant effect on stock returns, and profitability as measured by (ROA) has a positive and significant effect on returns. share.
Pengaruh Volume Penjualan Saham, Profitabilitas, Solvabilitas, Earning Volatility dan Tranding Volume terhadap Volatilitas Harga Saham dengan Kebijakan Deviden sebagai Variabel Mediasi Romadhany, Desvyana; Kusumawardhani, Ratih; Rinofah, Risal
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.1516

Abstract

This research aims to determine the effect of share sales volume, profitability, solvency, earnings volatility and trading volume on share price volatility with dividend policy as a mediating variable in food and beverage companies listed on the Indonesia Stock Exchange for the 2017-2021 period. The sample for this research consisted of 55 companies, using a purposive sampling method with the criteria stating dividend payments for 5 consecutive years. The research results show that debt ratio, return on assets, trading volume have an influence on stock price volatility. However, earnings volatility and share sales volume have no effect on share price volatility. Dividend policy is able to mediate share sales volume on stock price volatility, dividend policy is able to mediate profitability on stock price volatility, dividend policy is able to mediate solvency on stock price volatility, dividend policy is able to mediate earnings volatility on stock price volatility and dividend policy is able to mediate volume trending on stock price volatility in food and beverage companies listed on the Indonesia Stock Exchange for the 2017-2021 period.
Digital financial literacy and consumer financial behavior in emerging markets: Evidence from Indonesia Kusumawardhani, Ratih; Prihatin, Wijiasih; Damanik, Johannes Maysan; Mubarokah, Saidah
Jurnal Ekonomi dan Bisnis Vol. 28 No. 2 (2025)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24914/jeb.v28i2.15565

Abstract

Penelitian ini menganalisis pengaruh literasi keuangan digital terhadap perilaku berbelanja dan menabung generasi milenial di Indonesia, baik dalam praktik saat ini maupun dalam perencanaan keuangan masa depan. Studi ini menggunakan pendekatan kuantitatif dengan metode Structural Equation Modeling untuk menganalisis data survei yang dikumpulkan dari milenial Indonesia. Penelitian ini menggunakan teknik pengambilan sampel purposive sampling. Sampel dalam penelitian ini adalah 226 responden Generasi Z yang berdomisili di Yogyakarta dan secara aktif menggunakan platform keuangan digital. Responden dievaluasi berdasarkan tingkat literasi keuangan digital serta kebiasaan berbelanja dan menabung. Analisis data menggunakan LISREL 8.8 dan SPSS 0.25. Hasil penelitian menunjukkan literasi keuangan digital berkontribusi terhadap pengelolaan keuangan yang lebih strategis, mendorong perilaku konsumsi yang lebih bijak dan praktik menabung yang lebih disiplin, baik saat ini maupun di masa depan. Studi menunjukkan pentingnya peningkatan literasi keuangan digital dalam membentuk keputusan finansial yang lebih baik. Berbeda dengan penelitian sebelumnya yang fokus pada inklusi keuangan, penelitian ini secara langsung menghubungkan literasi keuangan digital dengan perilaku finansial spesifik, mengisi kesenjangan literatur di pasar negara berkembang. Temuan ini memberikan wawasan strategis untuk pembuat kebijakan, pendidik, dan institusi keuangan dalam merancang program edukasi yang efektif guna meningkatkan kesejahteraan finansial generasi muda di Indonesia.
Pengaruh Current Ratio, Debt to Equity Ratio, Total Aset Turnover terhadap Pertumbuhan Laba pada Perusahaan Subsektor Telekomunikasi yang Terdaftar di BEI Pamungkas , Oscar; Wiyono, Gendro; Kusumawardhani, Ratih
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 1 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i1.220

Abstract

This study aims to examine the effect of current ratio, debt to equity ratio, and total assets turnover on profit growth in telecommunications companies listed on the IDX for the 2018-2021 period. The population in this study is all Telecommunication Companies listed on the IDX. The sampling technique used purposive sampling and obtained samples of 8 companies. The data were processed using classical assumption tests, multiple linear regression, and hypothesis testing using partial tests (t) and determination tests (R2) using the SPSS program 25 The results showed that the current ratio did not affect profit growth, debt to equity ratio did not affect profit growth, total asset turnover did not affect profit growth policy.
Pengaruh Inklusi Keuangan, Literasi Keuangan, Inovasi dan Pengelolaan Keuangan Terahdap Kinerja UMKM di Yogyakarta Ismalia, Dhiah Alda; Rinofah, Risal; Kusumawardhani, Ratih
Jurnal Ilmiah Universitas Batanghari Jambi Vol 24, No 1 (2024): Februari
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v24i1.4314

Abstract

Micro, Small and Medium Enterprises (MSMEs) are to grow and develop businesses in order to build a national economy based on a just economic democracy. MSMEs in Indonesia have a significant contribution or role in expanding and absorbing new workers. MSMEs themselves have the advantage of producing consumer goods and services that are close to the needs of the community. There is still an obstacle that MSME actors still lack an understanding of the effects of inclusion, financial literacy, innovation and financial management in various types of businesses, especially on the performance of MSME by business actors. The reason of this consider is to decide the impact of budgetary incorporation, budgetary proficiency, advancement and monetary administration on the execution of MSMEs. The test measure utilized was 100 respondents who claim businesses. The examining method utilized in this ponder utilized a focused on inspecting procedure and the information were analyzed utilizing numerous relapse investigation to test the speculations. The comes about of this think about appear that the affect of monetary incorporation features a positive and significant affect on MSME execution, money related proficiency incorporates a negative and noteworthy affect on MSME execution, and development contains a positive affect on MSME execution. However, the impact is small, financial management has a positive impact on MSME performance, while financial management has a significant impact on MSME performance. It has a positive effect and has a significant impact on MSME performance. 
Manajemen Pendidikan Karakter Berbasis Sekolah Era Digital di Indonesia Astuti, Nuryani Dwi; Marzuki, Marzuki; Hajaroh, Mami; Prihatni, Yuli; Kusumawardhani, Ratih; Hartono, Arif; Setiawan, Ari; Aziz, Mohd Kasturi Nor Abd
Jurnal Pendidikan Karakter Vol. 16 No. 1 (2025)
Publisher : Directorate of Research and Community Service, Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jpka.v16i1.76084

Abstract

This research aims to reveal the importance of character education management in shaping students' ideal personalities, especially in the digital era. This research uses library research method to analyze various literature sources related to character education management. Data sources are journals, proceedings, and books. The data collection technique focuses on in-depth search and analysis of text or literature sources. The results show that character education management requires detailed planning, efficient organization, effective implementation, and careful supervision. The implementation of character education in the digital era requires an innovative and synergistic approach between various educational components. Concrete examples of the application of character education management in the digital era include setting digital character education goals, dividing tasks and resources, implementing programs through digital technology, and monitoring and evaluating programs regularly. Thus, character education integrated with digital technology can help form a young generation with good character, faith, honesty and discipline, and be able to have a positive impact on the surrounding environment. This research emphasizes the importance of character education as an effective means of forming morally and spiritually complete individuals.
Analisis Pengaruh Corporate Board Size dan Financial Performance Terhadap Volatilitas Return Saham Dengan Growth Opportunity Sebagai Variabel Intervening Pada Ancaman Krisis Energi Indonesia Viki Yuni Astuti; Kusumawardhani, Ratih; Maulida, Alfiatul
Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) Vol 3 No 7 (2025): October 2025
Publisher : PT SOLUSI EDUKASI BERDIKARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63901/ijebam.v3i7.149

Abstract

The energy crisis in Indonesia has led to fluctuations in energy sector stock prices, creating uncertainty for investors. This study aims to analyze the effect of corporate board size and financial performance on stock return volatility, with growth opportunity as an intervening variable. The research employs a quantitative method using path analysis and secondary data from 14 energy sector companies listed on the Indonesia Stock Exchange during the 2018–2022 period. The results show that board size has no direct effect on stock return volatility but has an indirect effect through growth opportunity. Financial performance positively influences stock return volatility. Overall, growth opportunity is proven to partially mediate the relationship between board size and financial performance on stock return volatility.
The Influence of Digital Financial Literacy, Financial Self-Efficacy, and Financial Experience on The Interest in Using Pay-Later Fintech Payment Services Among Students in Yogyakarta Maenaka, Ardha Gunung; Kusumawardhani, Ratih; Rinofah, Risal
Cakrawala Repositori IMWI 328-344
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v8i6.824

Abstract

The development of digital technology has encouraged the emergence of technology-based financial services, one of which is fintech pay-later services. While offering convenience and flexibility, the adoption of these services is not only influenced by technological factors, but also by individual factors such as digital financial literacy, self-efficacy in managing finances, and financial experience. However, there remains a research gap regarding which individual factors most dominantly influence students' interest in using pay-later services, particularly in the Indonesian context where fintech adoption is rapidly growing but consumer protection mechanisms are still developing. This study aims to analyze the influence of Digital Financial Literacy (DFL), Financial Self-Efficacy (FSE), and Financial Experience (FE) on the interest in using fintech payment pay-later in students in Yogyakarta. This study uses a quantitative method with a descriptive approach. The research sample amounted to 100 students who were selected using the purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression analysis. The results showed that simultaneously, the three independent variables had a significant effect on the interest in using pay-later. However, partially, only financial self-efficacy has a positive and significant effect. Meanwhile, digital financial literacy and financial experience have no significant effect on interest. These findings indicate that students' self-confidence in managing finances is more dominant in influencing their decision to use pay-later services compared to their financial knowledge and experience.
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: 2025
Publisher : Universitas Trunodjoyo 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.
Pengaruh Kinerja Keuangan, Modal Intelektual, Dan Ukuran Perusahaan Terhadap Nilai Perusahaan Pada Sektor Perbankan Yang Terdaftar Di Bei Seuk , Ordiana; Mulida , Alfiatual; Kusumawardhani, Ratih
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8547

Abstract

This study examines the influence of financial performance, intellectual capital, and company size on firm value in the banking sector listed on the Indonesia Stock Exchange (IDX). Using a quantitative approach and secondary data from 20 banking companies between 2020–2024, the study employed multiple linear regression analysis. Results show financial performance has a significant positive effect on firm value, while intellectual capital and company size do not. The findings suggest that profitability is a key factor in enhancing firm value. These results provide insight for investors and companies in evaluating growth strategies and investment decisions.
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 Maenaka, Ardha Gunung Maha Putri, Virginia Athadhita Mami Hajaroh Marzuki Marzuki Matan Langoday, Agustinus Petrus Mubarokah, Saidah Mulida , Alfiatual Mulida, Alfiatual 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 Seuk , Ordiana Shefyana, Ricka Sri Hermuningsih Taek, Wilhelmus Tua, Sahat Mangahut Tyas, Hasti Nugrahaning Viki Yuni Astuti Wahyuningtias, Eko Wulandari, Hana Yulaiha, Ambar Ilham Yuli Prihatni Yuninda, Yuninda Yusmeco, Vito Alviandri