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All Journal JAM : Jurnal Aplikasi Manajemen Jurnal Manajemen International Journal of Tourism and Hospitality in Asia Pasific Jurnal Manajemen Pemasaran dan Perilaku Konsumen Jurnal Management Risiko dan Keuangan Jurnal Kewirausahaan dan Inovasi Journal of Management, Economic, and Financial
Juwita, Himmiyatul Amanah Jiwa
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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ANALISIS RASIO LIKUIDITAS, AKTIVITAS, SOLVABILITAS, DAN PROFITABILITAS UNTUK MENILAI KINERJA KEUANGAN Fanalisa, Fauziyah; Juwita, Himmiyatul Amanah Jiwa
Jurnal Management Risiko dan Keuangan Vol. 1 No. 4 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2022.01.4.01

Abstract

The objective of this descriptive quantitative research is to identify the financial performance of PT. Angkasa Pura II (Persero) during the 2018-2020 period using time-series financial ratio analysis. Ratio analysis is a method that identifies relationships between certain posts in balance sheets, individual profit-and-lost statements, and the combination of the two. The variables used in this study are liquidity ratio, i.e. current ratio and quick ratio; activity ratio, i.e. inventory turnover ratio, fixed assets turnover ratio, and total assets turnover ratio; solvability ratio, i.e. debt-to-asset ratio and debt-to-equity ratio; and profitability ratio, i.e. net profit margin, return on assets, and return on equity. This study finds that firm’s liquidity was unfavorable, or not liquid. This is reflected from its current and quick ratios that show risks in the company’s capability to pay its short-term liabilities, evidenced by the decreasing values of the two ratios during the research period. The company’s activity ratio was also not very good since its inventory turnover ratio, fixed assets turnover ratio, and  total assets turnover ratio were also decreasing. This means that the company had not been able to use its assets effectively to increase its revenue. In terms of solvability, increases in debt-to-asset ratio and debt-to-equity ratio inform that the company had a great financial risk that accompanies its huge chances to produce high profit. Finally, the company’s profitability was also not good because declining trends were found in its net profit margin, return on assets, and return on equity, indicating that the company had suffered losses and had not been able to generate profit from all its capacities and resources.
PENGARUH LITERASI KEUANGAN, PERILAKU KEUANGAN DAN PENDAPATAN TERHADAP KEPUTUSAN INVESTASI Latifah, R. R. Talitha Felicia; Juwita, Himmiyatul Amanah Jiwa
Jurnal Management Risiko dan Keuangan Vol. 1 No. 3 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2022.01.3.01

Abstract

The purpose of this study is to identify the effects of financial literacy, financial behavior, and income on investment decision. This quantitative explanatory research was conducted on the employees of PT ASABRI (Persero) in branch offices throughout East Java for six months, from April to December 2022. The data was harvested through questionnaires distributed to 51 respondents and was analyzed using multiple linear regression, F test, t test, and coefficient of determination test performed in SPSS version 28. This study finds that financial literacy significantly influences investment decision, that financial behavior significantly affects investment decision, and that income significantly impacts investment decision. These findings explain that income and the knowledge and capability of individuals used to manage their personal finance are key factors for their decision to make investments.
Pengaruh Literasi Keuangan, Toleransi Risiko, dan Sosialisasi Keuangan terhadap Keputusan Investasi Fatin, Nahdiah Hilmi Nur; Juwita, Himmiyatul Amanah Jiwa
Jurnal Management Risiko dan Keuangan Vol. 2 No. 3 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2023.02.3.02

Abstract

The objective of this research is to identify and analyze the effects of financial literacy, risk tolerance, and financial socialization on the decision to invest in risky financial assets. The objects are the students of Faculty of Economics and Business of Universitas Brawijaya. This explanatory research explains the causal relationships between the independent variables and the dependent variable using quantitative approach. The research data was harvested from the distribution of 5-point Likert-scaled closed questionnaires to 100 respondents. The samples were selected using purposive sampling technique with the criteria of students of Faculty of Economics and Business of Universitas Brawijaya from classes 2019 to 2022 who have taken either financial management or investment management course and have invested in risky financial assets in Indonesian capital market. The data was processed using multiple linear regression in IBM SPSS Statistics version 25. The results of the analysis indicate that financial literacy, risk tolerance, and financial socialization significantly affect the decision to invest in risky financial assets.   Abstrak Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh literasi keuangan, toleransi risiko, dan sosialisasi keuangan terhadap keputusan investasi pada aset keuangan berisiko. Objek penelitian yang digunakan adalah mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Penelitian ini merupakan explanatory research yang menjelaskan hubungan kausal antar variabel dependen dan independen dengan pendekatan kuantitatif. Metode pengumpulan data dilakukan melalui penyebaran kuesioner tertutup menggunakan skala pengukuran likert lima poin. Pengambilan sampel dilakukan dengan metode purposive sampling. Sampel yang digunakan pada penelitian ini berjumlah 100 responden dengan kriteria yaitu mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya angkatan 2019-2022, telah menempuh mata kuliah manajemen keuangan atau manajemen investasi, dan telah melakukan investasi pada aset keuangan berisiko di pasar modal Indonesia. Data diolah menggunakan metode analisis regresi linear berganda dengan bantuan software SPSS IBM Statistic versi 25. Hasil penelitian mengindikasikan bahwa literasi keuangan, toleransi risiko, dan sosialisasi keuangan berpengaruh secara signifikan terhadap keputusan investasi pada aset keuangan berisiko.
Pengaruh Perencanaan Keuangan, Literasi Keuangan, Dan Pendapatan Terhadap Pengelolaan Keuangan Gusti, Marchella An; Juwita, Himmiyatul Amanah Jiwa
Jurnal Management Risiko dan Keuangan Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2024.03.2.01

Abstract

The objective of this research is to identify the effects of financial planning, financial literacy, and income on financial management. The research objects are civil servant teachers of Sijunjung Regency. This explanatory research elucidates the casual relationship between its dependent and independent variables using quantitative approach. The data of this research was harvested via closed 5-point Likert-scaled questionnaires distributed to 93 respondents, which were selected using proportionate stratified random sampling. The analysis as performed in IBM SPSS Statistics version 25 using multiple linear regression. This study finds that financial planning, financial literacy, and income significantly influence financial management. Therefore, it is crucial to increase the awareness of the civil servant teachers about the importance of financial management.   Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh perencanaan keuangan, literasi keuangan, dan pendapatan terhadap pengelolaan keuangan. Objek penelitian yang digunakan yaitu Guru PNS di Kabupaten Sijunjung. Penelitian ini merupakan explanatory research yang menjelaskan hubungan kausal antar variabel dependen dan independen melalui pendekatan kuantitatif. Metode pengumpulan data dilakukan dengan penyebaran kuesioner tertutup menggunakan skala pengukuran likert lima poin. Pengambilan sampel dilakukan dengan metode proportionate stratified random sampling. Sampel yang digunakan pada penelitian ini berjumlah 93 responden. Data diolah dengan menggunakan metode analisis regresi linear berganda dengan software SPSS IBM Statistic versi 25. Hasil penelitian menunjukkan bahwa perencanaan keuangan, literasi keuangan, dan pendapatan berpengaruh secara signifikan terhadap pengelolaan keuangan. Implikasi dari penelitian ini adalah meningkatkan kesadaran Guru PNS akan pentingnya pengelolaan keuangan.
Does Financial Literacy Has Greater Role in Achieving Stock Investment Performance of College Investors? Wijayanti, Risna; Juwita, Himmiyatul Amanah Jiwa
International Journal of Tourism and Hospitality in Asia Pasific Vol 7, No 2 (2024): June 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijthap.v7i2.2986

Abstract

This research aims to integrate the perspectives of rationality and irrationality, which cannot be separated in capital market participants, especially young investors, in the decision-making process of stock investment. The research emphasizes whether cognitive factors, which including financial literacy and play a more significant role. Additionally, overconfidence as behavioral aspect can serve as a mediator linking financial literacy and investment performance. Conducted on 77 students who invest in investment gallery in Malang, using random sampling techniques, the research is an explanatory study with a quantitative approach through a questionnaire processed by SEM-PLS analysis using Smart PLS 3.0. Based on the findings of this study highlight the positive influence of financial literacy on stock investment performance, while overconfidence was found to have mediating effect on relationship between financial literacy and stock investment performance. The characteristics of respondents who are young age with limited funds for stock investment leads to low expectations of returns, resulting in quick satisfaction and then affecting stock investment performance
Pengaruh Perceived Price, Perceived Value, dan Social Influence terhadap Purchase Intention Annisa, Putri; Juwita, Himmiyatul Amanah Jiwa
Jurnal Manajemen Pemasaran dan Perilaku Konsumen Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmppk.2023.02.2.18

Abstract

This research aims to identify how perceived price, perceived value, and social influence affect the intention of undergraduate students of Faculty of Economics and Business of Universitas Brawijaya to purchase Spotify’s premium service. This explanatory research explains and corroborates the relationship between the dependent and the independent variables. The research samples were selected using purposive sampling; they are 150 undergraduate students of the said faculty who uses Spotify’s free application. The data was harvested from Google Forms questionnaires distributed online. The results of the multiple linear regression analysis performed in SPSS ver. 25 have led to findings that perceived price, perceived value, and social influence positively and significantly affect the purchase intention.   Abstrak Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Perceived Price, Perceived Value, dan Social Influence terhadap Purchase Intention layanan Spotify Premium pada mahasiswa S1 Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Jenis penelitian ini adalah explanatory research yang menjelaskan atau membuktikan hubungan pengaruh antar variabel independen dan dependen. Penelitian ini menggunakan sampel sebanyak 150 responden dimana penyebaran kuesioner dilakukan melalui Google formulir secara online. Pengambilan sampel menggunakan metode non-probability sampling dengan teknik purposive sampling. Sampel terdiri dari responden yang merupakan mahasiswa S1 Fakultas Ekonomi dan Bisnis Universitas Brawijaya yang menggunakan aplikasi Spotify tidak berbayar. Analisis data menggunakan Analisis Regresi Linear Berganda dengan menggunakan SPSS ver. 25. Hasil penelitian menunjukan bahwa dari ketiga variabel yaitu Perceived Price, Perceived Value, dan Social Influence, ketiganya memiliki pengaruh positif signifikan terhadap Purchase Intention.
Pengaruh Green Marketing dan Product Knowledge Terhadap Brand Preference Haidi, Avia Rosyada; Juwita, Himmiyatul Amanah Jiwa
Jurnal Manajemen Pemasaran dan Perilaku Konsumen Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmppk.2024.03.1.04

Abstract

This study aims to investigate the effect of green marketing and product knowledge on brand preference for 100% Aqua Recycle Life products in the Greater Jakarta area. The type of research used is explanatory research with a non-probability sampling approach. Data were obtained from 120 respondents who are 100% consumers of Aqua Recycle Life products and represent the population of the Greater Jakarta area. The variables studied include green marketing, product knowledge, and brand preference. Green marketing is measured through consumer perceptions of environmentally friendly marketing efforts carried out by 100% Aqua Recycle Life. Product knowledge is measured through consumer understanding of the attributes and benefits of 100% Aqua Recycle Life products. Brand preference is measured by looking at consumers' preferences and willingness to choose Aqua Recycle Life 100% compared to other bottled water brands. Data analysis was performed using multiple linear regression techniques to examine the relationship between the independent variables (green marketing and product knowledge) and the dependent variable (brand preference). The results of the study show that green marketing and product knowledge each significantly influence brand preference for Aqua Recycle Life 100% products in the Jabodetabek area.   Abstrak Penelitian ini bertujuan untuk menginvestigasi pengaruh green marketing dan pro-duct knowledge terhadap brand preference pada produk Aqua Recycle Life 100% di wilayah Jabodetabek. Jenis penelitian yang digunakan adalah explanatory research dengan pendekatan nonprobability sampling. Data diperoleh dari 120 responden yang merupakan konsumen produk Aqua Recycle Life 100% dan mewakili populasi wilayah Jabodetabek. Variabel yang diteliti meliputi green marketing, product knowledge, dan brand preference. Green marketing diukur melalui persepsi konsumen tentang upaya pemasaran yang ramah lingkungan yang dilakukan oleh Aqua Recycle Life 100%. Product knowledge diukur melalui pemahaman konsumen tentang atribut dan manfaat produk Aqua Recycle Life 100%. Brand preference diukur dengan melihat preferensi dan kesediaan konsumen untuk memilih Aqua Recycle Life 100% dibanding merek air minum dalam kemasan lainnya. Analisis data dilakukan menggunakan teknik regresi linear berganda untuk menguji hubungan antara variabel independen (green marketing dan product knowledge) dengan variabel dependen (brand preference). Hasil penelitian menunjukkan bahwa green marketing dan product knowledge yang masing-masing secara signifikan mempengaruhi brand preference pada produk Aqua Recycle Life 100% di wilayah Jabodetabek.
Pengaruh Brand Ambassador Dan Brand Image Terhadap Minat Beli Produk Nafis, Kamilia Nabila; Juwita, Himmiyatul Amanah Jiwa
Jurnal Manajemen Pemasaran dan Perilaku Konsumen Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmppk.2024.03.3.24

Abstract

The goal of this research is to analyze the effects of brand ambassador and brand image on the intention to purchase the products of Bening’s Clinic. The population is students of Faculty of Economics and Business of Universitas Brawijaya batches of 2019 to 2022. This quantitative explanatory study elucidates the causal relationships between its dependent and independent variables. Using purposive sampling technique, 100 students of Faculty of Economics and Business of Universitas Brawijaya who have not purchased the products of Bening’s Clinic but have the intention to do so were selected as the respondents. The data was harvested from closed questionnaires incorporating the 5-point Likert scale and was analyzed through multiple linear regression in IBM SPSS Statistics version 26.0. The results indicate that brand ambassador and brand image significantly influence the intention to purchase the products of Bening’s Clinic.   Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh brand ambassador dan brand image terhadap minat beli pada produk Bening’s Clinic. Populasi dalam penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya angkatan 2019-2022. Penelitian ini merupakan explanatory research untuk menjelaskan hubungan kausal antar variabel dependen dan independen dengan pendekatan kuantitatif. Metode pengumpulan data dilakukan melalui penyebaran kuesioner tertutup menggunakan skala pengukuran likert lima poin. Pengambilan sampel dilakukan dengan metode purposive sampling. Sampel yang digunakan dalam penelitian ini berjumlah 100 responden dengan kriteria yaitu mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya, yang tidak pernah menggunakan produk dan berniat membeli produk Bening’s Clinic. Data diolah menggunakan metode analisis regresi linear berganda dengan bantuan software SPSS IBM Statistic versi 26.0. Hasil analisis pada penelitian ini menunjukkan bahwa brand ambassador dan brand image berpengaruh secara signifikan terhadap minat beli pada produk Bening’s Clinic.
Pengaruh Financial Technology Payment, Financial Knowledge Dan Financial Attitude Terhadap Financial Management Behavior Mulya, Avyana Trista; Juwita, Himmiyatul Amanah Jiwa
Jurnal Management Risiko dan Keuangan Vol. 3 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2024.03.3.06

Abstract

The objective of this research is to identify and analyze the effects of financial technology payment, financial knowledge, and financial attitude on financial management behavior. The objects are students of Faculty of Economics and Business of Universitas Brawijaya. this explanatory research elucidates the causal relationship between its dependent and independent variables using quantitative approach. Using purposive sampling technique, 100 student of Faculty of Economics and Business of Universitas Brawijaya batches of 2020, 2021, and 2022 who have passed financial management course and use financial technology payment service application were selected as the respondents. The data of this study was harvested from 5-point Likert-scaled closed questionnaires and analyzed using multiple linear regression in IBM SPSS Statistics version 25. This study finds that financial technology payment, financial knowledge, and financial attitude significantly influence financial management behavior.   Abstrak Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh financial technology payment, financial knowledge, dan financial attitude terhadap financial management behavior. Objek penelitian yang digunakan adalah mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Penelitian ini merupakan explanatory research yang menjelaskan hubungan kausal antar variabel dependen dan independen dengan pendekatan kuantitatif. Metode pengumpulan data dilakukan melalui penyebaran kuesioner tertutup menggunakan skala pengukuran likert lima poin. Pengambilan sampel dilakukan dengan metode purposive sampling. Sampel yang digunakan pada penelitian ini berjumlah 100 responden dengan kriteria yaitu mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya angkatan 2020-2022, telah menempuh mata kuliah manajemen keuangan dan menggunakan aplikasi layanan financial technology payment. Data diolah menggunakan metode analisis regresi linear berganda dengan bantuan software SPSS IBM Statistic versi 25. Hasil penelitian mengindikasikan bahwa financial technology payment, financial knowledge, dan financial attitude berpengaruh secara signifikan terhadap kep financial management behavior.
Perilaku Herding Pada Harga Saham Sektor Energi Rasiv, Achmad Wildan; Juwita, Himmiyatul Amanah Jiwa
Jurnal Management Risiko dan Keuangan Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2024.03.4.06

Abstract

The need of human to make investments has encouraged them to invest in capital markets through, one of which, stocks. One of the stock sectors in the Indonesia Stock Exchange that has a good performance is energy. The classical financial theory assumes that investors should behave rationally in making decisions. However, this does not necessarily the case since there are chances for the occurrence of market anomaly due to herding behavior, which explains the inefficiency of markets. The objective of this research is to detect herding behavior in the prices of stocks in energy sector during the 2019-2022 period in all market conditions, in favorable market condition, and in unfavorable market condition. The herding behavior in this quantitative study was detected using the Cross-Sectional Absolute Deviation (CSAD) method, in which the non-linear relationship between return and CSAD was observed. The samples are 34 energy sector companies, selected via purposive sampling. The study incorporates secondary data of monthly closing prices of both the stocks and the Indonesia’s Composite Index. The results of the data analysis and hypothesis testing in EViews 12 indicate that herding behaviors were detected in the prices of stocks in the energy sector in the Indonesia Stock Exchange during the 2019-2022 period in all market conditions and in unfavorable market condition. This study also finds that there is no herding behavior in the unfavorable market condition during the 2019-2022 period.   Abstrak Kebutuhan manusia untuk berinvestasi mendorong adanya investasi pada pasar modal, salah satunya adalah saham. Di Bursa Efek Indonesia, salah satu sektor saham yang memiliki performa baik adalah sektor energi. Teori keuangan klasik menyatakan bahwa investor seharusnya bertindak rasional dalam melakukan pengambilan keputusan investasi. Namun, hal ini tidak selalu terjadi dan terdapat peluang adanya anomali pasar yang disebabkan oleh perilaku herding yang menjelaskan bahwa pasar tidak senantiasa efisien. Penelitian ini bertujuan untuk mendeteksi perilaku herding pada harga saham sektor industri selama periode 2019-2022 pada keseluruhan kondisi pasar, kondisi pasar naik, dan kondisi pasar turun. Penelitian ini menggunakan pendekatan kuantitatif. Metode yang digunakan dalam mendeteksi herding adalah Cross Sectional Absolute Deviation (CSAD) dengan melihat hubungan non-linear return pasar dan CSAD. Sampel yang digunakan adalah 34 perusahaan sektor energi dengan teknik purposive sampling. Data yang digunakan adalah data sekunder harga penutupan bulanan saham tersebut dan IHSG pada periode 2019-2022. Analisis data dilakukan dengan pengujian hipotesis dengan perangkat lunak Eviews 12. Hasil penelitian ini menunjukkan bahwa terdapat perilaku herding pada harga saham sektor energi di Bursa Efek Indonesia periode 2019-2022 pada keseluruhan kondisi pasar dan kondisi pasar turun. Namun, tidak ditemukan perilaku herding pada kondisi pasar naik selama periode 2019-2022.
Co-Authors Abi Sopyan Febrianto Alashkam, Sana Amer Annisa, Putri Fanalisa, Fauziyah Fatin, Nahdiah Hilmi Nur Gusti, Marchella An Hafidzi, Muhammad Ridho Haidi, Avia Rosyada Kurnia, Dwi Irma Latifah, R. R. Talitha Felicia Margono Setiawan Mulya, Avyana Trista Nafis, Kamilia Nabila Noermijati Noermijati, Noermijati Rasiv, Achmad Wildan Silvia, Khurin Wijayanti, Risna