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Pengaruh Efikasi Diri Dan Pengetahuan Keuangan Terhadap Intensi Berwirausaha Pada Mahasiswa Peserta Program Wirausaha Merdeka Koto, Murviana; Maiera, Azlya
Bursa : Jurnal Ekonomi dan Bisnis Vol. 2 No. 3 (2023): September 2023
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v2i3.434

Penelitian ini dilakukan pada mahasiswa program Wirausaha Merdeka di Universitas Muhammadiyah Sumatera Utara tahun 2023. Program ini merupakan bagian dari program nasional Merdeka Belajar Kampus Merdeka yang merupakan salah satu upaya dari Kemendikbudristek untuk mendukung penuh terciptanya wirausaha mahasiswa di Indonesia. Penelitian ini bertujuan untuk melihat pengaruh efikasi diri dan pengetahuan keuangan terhadap intensi berwirausaha mahasiswa peserta program. Populasi dari penelitian berjumlah 300 orang dengan jumlah sampel sebanyak 105 orang mahasiswa. Penelitian ini adalah penelitian kuantitatif dan asosiatif dengan Teknik analisis data yang digunakan dalam penelitian ini adalah uji asumsi klasik, regresi linear berganda dan uji hipotesis dengan menggunakan software SPSS 25. Hasil penelitian ini menunjukkan bahwa efikasi diri dan pengetahuan keuangan secara bersama-sama mempengaruhi intensi berwirausaha mahasiswa peserta program. Uji parsial menunjukkan bahwa efikasi diri berpengaruh signifikan terhadap intensi berwirausaha mahasiswa peserta program dan, pengetahuan keuangan tidak berpengaruh secara signifikan terhadap intensi berwirausaha mahasiswa peserta program. This research was conducted on the Wirausaha Merdeka program at the Muhammadiyah University of North Sumatra in 2023. Merdeka Belajar Kampus Merdeka is a national program, which is one of the efforts of the Ministry, Kemendikbudristek to fully support the creation of student entrepreneurship in Indonesia. This research aims to examine the influence of self-efficacy and financial knowledge on the entrepreneurial intentions of students participating in the program. The population of the study was 300 students, with a sample size of 105 students. This research is quantitative and associative. The data analysis techniques used in this research are classical assumption testing, multiple linear regression, and hypothesis testing using SPSS 25 software. The results of this research show that self-efficacy and financial knowledge jointly influence entrepreneurial intentions. students participating in the program. The partial test shows that self-efficacy has a significant effect on the entrepreneurial intentions of students participating in the program and financial knowledge does not significantly influence the entrepreneurial intentions of students participating in the program.

Financial Fragility Keluarga di Kota Medan Koto, Murviana
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Januari 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i1.530

Bercermin dari pengalaman kondisi pandemic Covid-19 yang mempengaruhi hampir seluruh aspek kehidupan, adaptasi melalui gaya hidup normal baru masih terus berdampak hingga saat ini. Adaptasi ini terlihat baik dari segi gaya hidup maupun perilaku finansial. Individu atau keluarga yang melek finansial diharapkan dapat berperilaku lebih bertanggung jawab agar memiliki kondisi yang lebih stabil dengan segala situasi. Perilaku keuangan yang baik diharapkan dapat membantu individu atau keluarga dalam menghindari kerapuhan keuangan. Temuan penelitian ini menunjukkan bahwa tingkat kerapuhan keuangan masyarakat Kota Medan ditemukan cukup baik yaitu hanya 27% dari seluruh responden. Temuan penelitian ini juga menunjukkan bahwa meskipun tingkat literasi keuangan masyarakat maih terkategori buruk, namun perilaku keuangan mereka cukup baik. Bahkan perilaku keuangan masyarakat pasca wabah Covid-19 tampak membaik, hal ini menunjukkan bahwa perilaku masyarakat sangat adaptif terhadap perubahan keadaan. Menjaga pengeluaran agar tidak lebih dari pendapatan, lebih berhati-hati dalam membayar tagihan tepat waktu, memperbaiki perilaku untuk menabung lebih konsisten, dan meningkatkan upaya menyisihkan dana untuk kebutuhan darurat merupakan tanda-tanda membaiknya perilaku keuangan Reflecting on the experience of the Covid-19 pandemic which has affected almost all aspects of life, adaptation through a new normal lifestyle continues to have an impact today. This adaptation can be seen both in terms of lifestyle and financial behavior. Individuals or families who are financially literate are expected to behave more responsibly in order to have more stable conditions in all situations. Good financial behavior is expected to help individuals or families avoid financial fragility. The findings of this research indicate that the level of financial fragility of the people of Medan City was found to be quite good, namely only 27% of all respondents. The findings of this research also show that although people's financial literacy level is still categorized as poor, their financial behavior is quite good. In fact, people's financial behavior after the Covid-19 outbreak seems to have improved, this shows that people's behavior is very adaptive to changing circumstances. Keeping expenses below income, being more careful about paying bills on time, improving behavior to save more consistently, and increasing efforts to set aside funds for emergency needs are signs of improving financial behavior.

The Effect of Career Adaptability and Social Support toward Student Careerself-Efficacy Koto, Murviana; Febriaty, Hastina; Nasution, Satria Mirsya Affandi
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 2, No 3 (2019): October 2019
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v2i3.590

In conditions of high competition to find a job, students need to make career preparations as early as possible. Career preparation is begun with making decisions about the career they want to get. Then in making preparations, they need the ability to adapt to the chosen career. In addition, the social support is also needed. This study was conducted on students in one of the private university in Medan, Sumatera Utara. The test results by using the Structural Equation Model (SEM) showed that there were significant positive relationship between the ability of career adaptability and social support with career decision-making self-efficacy. It also concluded that social support partially mediates the relationship between career adaptability and career decision- making self-efficacy.

Effect of Education Levels on North Sumatra Economy Febriaty, Hastina; Koto, Murviana; Rahayu, Sri Endang
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 2, No 3 (2019): October 2019
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v2i3.586

This study aims to determine the level of high school education (SMU) and Higher Education (PT) on the Economy of North Sumatra and to identify the effect of the level of education on the economy in North Sumatra. This type of research is a descriptive study, while the approach used is a quantitative approach with a sample of GRDP data and the Labor Force over 15 years with high school education levels (SMU) and Higher Education (PT) from 20002017. The type of data used is secondary data obtained from the Central Statistics Agency. The analysis technique used is the multiple linear regression analysis (OLS) method. The results of this study indicate that partially the level of high school education (SMA) has a positive and not significant effect on the Economy of North Sumatra and the level of education of the University (PT) has a positive and significant effect on the Economy of North Sumatra while simultaneously the level of high school education (SMU) and Higher Education (PT) has a positive and significant impact on the Economy of North Sumatra.

Analisis Sosial Ekonomi Terhadap Literasi Keuangan Digital Koto, Murviana; Zahara , Nadya
Bursa : Jurnal Ekonomi dan Bisnis Vol. 4 No. 1 (2025): Januari 2025
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v4i1.589

Tujuan penelitian ini adalah untuk mengetahui analisis faktor sosial ekonomi yang mempengaruhi literasi keuangan digital: studi kasus pada mahasiswa yang menjalani program MBKM. Faktor sosial ekonomi dalam penelitian ini adalah pendidikan, tempat tinggal, uang saku dan IPK. Penelitian ini menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah mahasiswa yang sedang menjalani program MBKM. Sampel dalam penelitian ini menggunakan rumus Slovin dimana hasil akhirnya diambil sebanyak 93 siswa. Teknik pengumpulan data menggunakan kuesioner. Teknik analisis data dalam penelitian ini menggunakan statistik SPSS. Hasil penelitian ini membuktikan bahwa dari empat faktor sosial ekonomi seperti pendidikan, tempat tinggal, uang jajan dan IPK, hanya IPK yang berpengaruh signifikan terhadap literasi keuangan digital. Namun keempat faktor sosial ekonomi tersebut mempunyai pengaruh yang signifikan secara simultan terhadap literasi keuangan digital karena mempunyai nilai F_hitung sebesar 3,029 > F_tabel 2,48 dengan probabilitas signifikan sebesar 0,022 < 0,05. Hasil perhitungan regresi menunjukkan koefisien determinasi (R square) yang diperoleh sebesar 12,11%, hasil ini berarti 12,11% variabel literasi keuangan digital dapat dijelaskan oleh pendidikan, tempat tinggal, uang jajan dan IPK sedangkan sisanya sebesar 87,89% dipengaruhi oleh variabel lain yang tidak diteliti. The purpose of this study was to determine the analysis of socio-economic factors that influence digital financial literacy: a case study of students undergoing the MBKM program. The socio-economic factors in this study are education, residence, pocket money and GPA. This study uses a quantitative approach. The population in this study were students undergoing the MBKM program. The sample in this study used the Slovin formula where the final results were taken as many as 93 students. The data collection technique used a questionnaire. The data analysis technique in this study used SPSS statistics. The results of this study prove that of the four socio-economic factors such as education, residence, pocket money and GPA, only GPA has a significant effect on digital financial literacy. However, these four socio-economic factors have a significant effect simultaneously on digital financial literacy because they have an F_count value of 3.029> F_table 2.48 with a significant probability of 0.022 <0.05. The results of the regression calculation show that the coefficient of determination (R square) obtained is 12.11%, this result means that 12.11% of the digital financial literacy variable can be explained by education, residence, pocket money and GPA while the remaining 87.89% is influenced by other variables not studied.

Analisis Profil Sociodemografi Dan Literasi Keuangan Dalam Persiapan Pensiun Pada Responden Usia Produktif Koto, Murviana
Bursa : Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Mei 2025
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v4i2.1028

Penelitian ini bertujuan untuk menganalisis profil sosiodemografi responden dan hubungannya dengan literasi keuangan dalam mempersiapkan masa pensiun. Data dikumpulkan dari 140 responden usia produktif di Medan. Hasil penelitian menunjukkan bahwa sebagian besar responden berusia 25-45 tahun, didominasi perempuan, dengan pendapatan keluarga di bawah Rp 10 juta per bulan. Investasi aset riil lebih dominan daripada produk pasar modal. Persiapan pensiun, seperti menabung aset keuangan dan asuransi tambahan, tetap rendah, sementara persiapan non-keuangan, seperti pemeriksaan kesehatan dan kegiatan alternatif, perlu ditingkatkan. Disimpulkan bahwa literasi keuangan yang memadai sangat penting untuk meningkatkan kesiapan pensiun. This study aims to analyze the sociodemographic profiles of respondents and their relationship to financial literacy in preparing for retirement. Data were collected from 140 productive-age respondents in Medan. The results show that most respondents are aged 25-45, predominantly women, with a family income below IDR 10 million per month. Investment in real assets is more dominant than in capital market products. Retirement preparation, such as saving financial assets and additional insurance, remains low, while non-financial preparation, such as health check-ups and alternative activities, needs to be improved. It is concluded that adequate financial literacy is essential to improving retirement readiness.

Impact of Covid-19 Pandemic on the Financial Behavior Gunawan, Ade; Koto, Murviana; Yusnandar, Willy; Jufrizen, Jufrizen
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1849

The spread of Covid-19 in Indonesia has caused disruption in all sectors, including the economic sector. One of the economic sectors currently in the spotlight is the declining per capita income, while consumption must continue to run to meet daily life. The study aims to identify the financial behavior of Muhammadiyah people in Medan before and after the Covid-19 pandemic, especially in the aspects of consumption, cash flow management, saving, investment, and credit management. In addition, it measures whether there are differences in the financial behavior of Muhammadiyah people in Medan before and after the covid-19 pandemic, so that it can be a reference for what form of financial behavior should be. The impact of the Covid-19 pandemic is certainly a force majeure situation that can occur anytime and anywhere. Even though there are still many other force majeure events that can occur. It is a quantitative approach, with a statistically correlated parametric test (t test), if the data is not normal, then the Wilcoxon test is carried out. Based on the results of the study, it was found that there were significant differences between the financial behavior of Muhammadiyah people in Medan before and during the Covid-19 pandemic.

ANALISIS ALTMAN Z''-SCORE SEBAGAI ALAT EARLY WARNING SYSTEM RISIKO FINANCIAL DISTRESS STUDI KASUS PT WASKITA KARYA (PERSERO) TBK Koto, Murviana; Abdullah, Ikhsan
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 7 No. 1 (2026): januari
Publisher : CERED Indonesia Institute

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

This study examines the level of financial distress risk at PT Waskita Karya (Persero) Tbk over the 2021–2024 period using the Altman Z''-Score model as an early warning system within the framework of financial risk management. The study is motivated by the persistent financial pressure faced by state-owned construction companies, characterized by high leverage, limited liquidity, and heavy reliance on long-term debt financing. Secondary data are obtained from audited consolidated financial statements and analyzed using a descriptive quantitative approach with a longitudinal case study design. The findings reveal that although the Z''-Score values demonstrate a gradual improving trend throughout the observation period, the company consistently remains within the distress zone, indicating a sustained and elevated risk of bankruptcy. These results confirm the effectiveness of the Altman Z''-Score model as an early warning tool for identifying financial risk and provide important implications for managerial decision-making and financial restructuring policies, particularly for highly leveraged construction firms operating in emerging markets.

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