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Kusumawardhani, Ratih
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Pengaruh Ukuran, Likuiditas, dan Kinera Keuangan Bank Dengan Financial Technology Sebagai Variabel Moderasi Pada Bank Umum Konvensional di Indonesia Farom, Sogun Al; 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.v9i1.1233

Abstract

This study aims to determine the effect of bank size, liquidity, and financial performance with financial technology as a moderation variable (Study on Conventional Commercial Banks in Indonesia 2016-2021). The samples used were financial statement data from Bank BNI, BRI, Mandiri, and BTPN for 2016-2021, so 24 samples of this study were obtained because each bank has 6 financial statements. The sampling technique uses purposive sampling. The tests used in this study are validity, reliability, normality, heterokedasticity, multicollinearity, multiple linear regression analysis, moderating regression analysis, partial tests, simultaneous tests, and determination coefficient tests. The results showed that partially the size variable did not have a significant effect on financial performance, but the liquidity variable had a significant effect on financial performance. In the results of the moderation test, size and liquidity variables have a positive and significant effect on the financial performance of conventional banks which is moderated by financial technology variables.
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. 
Co-Authors Alfiatul Maulida, Alfiatul Aliyah, Aliyah Alvita, Devi Anjelika, Aviva Ariantanto, Wimar Arnoldus, Rensiana Cabelita 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 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 Wahyuningtias, Eko Wulandari, Hana Yulaiha, Ambar Ilham Yuninda, Yuninda Yusmeco, Vito Alviandri