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All Journal Academic Journal of Computer Science Research (AJCSR) International Journal of Business, Law, and Education Bussman Journal : Indonesian Journal of Business and Management Research Trend in Technology and Management Eastasouth Journal of Positive Community Services Business and Investment Review Baileo: Jurnal Sosial Humaniora
Saputra, Fendi
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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Journal : International Journal of Business, Law, and Education

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Financial Management Behavior of Millennials Saputra, Fendi
International Journal of Business, Law, and Education Vol. 5 No. 1 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i1.532

Abstract

Finance is an important aspect of our daily lives. Managing our finances well can help us achieve our financial goals, face financial challenges, and build a more financially stable future. Financial management in the millennial generation is not yet optimal, there are still many problems faced, including high levels of debt, consumer lifestyle, lack of understanding about investment, changes in lifestyle and consumption patterns. This research study uses qualitative methods. This research study involved 3 informants to provide information related to the study carried out. The findings from this research are that the millennial generation has a diverse understanding of financial management, investment and debt management, the millennial generation shows a combination of internal and external locus of control in financial management and the COVID-19 pandemic has brought significant changes in expenditure, income, and the financial habits of the millennial generation. They are more careful in managing their finances, prioritizing important expenses, and strengthening long-term financial preparations.
Impact of Attitudes and Social Norms on AQUA Purchase Decisions: The Role of Buying Intent in Jabodetabek Afrina, Fitri; Saputra, Fendi
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.923

Abstract

This study examines the influence of attitudes and subjective norms on purchasing decisions for AQUA mineral water, with purchase intention as a mediating variable. Using a quantitative approach, data were collected through questionnaires from 220 Aqua consumers in Greater Jakarta, selected via purposive sampling. Data analysis was conducted with SmartPLS 4.1 using Partial Least Square (PLS), assessing both outer and inner models. Findings reveal that attitudes and subjective norms significantly impact purchasing decisions. However, purchase intention does not affect purchasing decisions and does not mediate the relationship between attitudes, subjective norms, and purchasing decisions.
ANALYSIS OF THE INFLUENCE OF BRAND IMAGE, HALAL LABEL, AND CONSUMER REVIEWS OF PURCHASE DECISIONS WARDAH COSMETIC PRODUCTS Nazwah Irawan, Sophie; Saputra, Fendi
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.203

Abstract

The purpose of this study was to determine the significant effect on Brand Image, Halal Label, and Consumer Reviews on Purchase Decisions for Wardah Cosmetic Products. This research is a research using a quantitative approach. The population in this study are people who use Wardah Cosmetics in South Tangerang City. The sampling technique uses simple random sampling. The data analysis technique used in this study used SPSS software. Based on statistical tests, the results of the study show that Brand Image does not have a significant direct effect on purchasing decisions, Halal Labels do not directly have a significant effect on purchasing decisions, while Consumer Reviews have a significant effect on purchasing decisions.
COMPARATIVE STUDY OF FINANCIAL PERFORMANCE AND MARKET PERFORMANCE IN COMPANIES THAT ARE COMMITTED TO ISO 14001 IN THE MINING SECTOR ON THE INDONESIA STOCK EXCHANGE 2009-2014 Saputra, Fendi; Zulkifli, Zulkifli
International Journal of Business, Law, and Education Vol. 4 No. 1 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i1.148

Abstract

This study examines the financial performance and market performance differences between companies certified to ISO 14001 and those not certified to ISO 14001. The management's environmental commitment is measured using the company's ownership of the ISO 14001 certificate. The financial performance is measured by using the Net Profit Margin (NPM), Debt to Equity Ratio (DER), and Return on Assets (ROA), while the market's performance is measured using the Price Earnings Ratio (PER) and the Market to-Book Value (MBV). The study population was a mining company listed on the Indonesia Stock Exchange 2009-2014, some 202 companies. The sampling method used was purposive sampling with criteria mining companies from 2009 to 2014, certified ISO 14001 and uncertified ISO 14001; present stock price information, the annual report, and financial statements are complete. Samples are 82 mining companies with a certificate of ISO 14001 and 96 mining companies that do not have a certificate of ISO 14001. Mechanical analysis of data from this study using independent sample t-test. The results showed that the mean financial performance and market performance of companies that are ISO 14001 is higher than those of companies not certified to ISO 14001. There are significant differences in the ratio of Net Profit Margin (NPM), Debt to Equity Ratio (DER), and Market to Book Value (MBV).
Co-Authors Afrina, Fitri Agusli, Rahmat Ansari, Fajri Desi Dwi Kristanto Desshyfa, Rizana Tarissa Fathor, Khresna Adityo Fitriyah Nurhidayah Iqbal, Muchamad Nazwah Irawan, Sophie Ramdani, Remi Sari, Risa Novia Pratama Sugianto, Donna Angelina Tutun Seliari Zulkifli Zulkifli