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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Life Birth Jurnal Comprehensive Health Care Jurnal Riset dan Pengabdian Masyarakat Cons-Iedu: Islamic Guidance and Counseling Journal Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) JURNAL EKSPERIMENTAL : Media Ilmiah Pendidikan Guru Madrasah Ibtidaiyah Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Kasyafa: Jurnal Pendidikan Agama Islam IPSSJ Jarow: Journal of Ar-Raniry on Social Work Azkia : Jurnal Aktualisasi Pendidikan Islam Study of Scientific and Behavioral Management (SSBM)
Rusnawati
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Nursing Physics Public Health Social Sciences Other

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Pengaruh Kepribadian terhadap Perilaku Manajemen Keuangan dengan Literasi Keuangan sebagai Variabel Intervening Nurfadillah, Nurfadillah; Rusnawati; MS, Eka Indriyani
Study of Scientific and Behavioral Management Vol 5 No 1 (2024): The Strength of Management Influences
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i1.46239

Abstract

ABSTRACT The purpose of the research was to find out whether there was an influence of personality towards financial management behavior with financial literacy as intervening variable in micro small and medium enterprises in Makassar. The objective of the research was the subject of micro small and medium enterprises (UMKM) in Makassar. The research conducted quantitave design. The samples of the research were 160 UMKM registered in economic enterprises and UKM official of Makassar. The sampling techniques used was non probability sampling used to give equal chance or opportunity for every member of population to be selected as a sample. The clarity level of the research used associatif problem statement to find out the correlation or influence between two or more variables. The data used were primary and secondary data where the data was collected by using questionnaire, observation and bibliography study. Data analysis used qas PLS (Partial Least Square). The research result shown that there was positive influence of personality towards financial management, there was positif ilnfluence of personality towards financial literacy, there was postitive influence of personality towards financial management behavior, and also there was positive influence of personality towards financial management behavior with financial literacy as intervening variable. Keywords: Personality, Financial Management Behavior, and Financial Literacy
Hubungan Dow Jones Islamic Market Index Malaysia, Jepang, China dengan Jakarta Islamic Index Menggunakan Analisis Vector Error Correction Model Andi Nurhidayati; Syariati, Alim; Rusnawati
Study of Scientific and Behavioral Management Vol 5 No 3 (2024): Digital Culture Nowadays
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i3.50476

Abstract

The development of the Sharia capital market in Indonesia cannot be separated from the influence of foreign capital markets, especially in the Asian region. The fluctuations in the Jakarta Islamic Index (JII) indicate a contagion effect from the stock price movements of other countries. This study focuses on the relationship between the Dow Jones Islamic Market Index (DJIMI) in Malaysia, Japan, and China with JII. This study employs Vector Error Correction Model (VECM) analysis using monthly stock price index data from each variable from January 2021 to December 2023. In the long term, DJIMI Japan has a significant positive relationship with JII, DJIMI China has a significant negative relationship, while DJIMI Malaysia has no significant relationship. In the short term, DJIMI Malaysia, DJIMI Japan, and DJIMI China have no significant relationship with JII. This study is limited to the relationship between variables through the stock price index. Future studies need to include factors such as inflation, exchange rates, BI rate, and world gold prices in relation to market integration. This study uses contagion effect theory, market integration, and investment portfolio diversification to explain the relationships between the indices.
Upaya Peningkatan Kualitas Pelayanan Pariwisata Kota Palembang Dalam Mewujudkan Ekonomi Kreatif Pasca Pemulihan Covid 19 Berlian Febriyanti; Rizkilah; Rusnawati
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 1 No. 1 (2022): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (310.915 KB) | DOI: 10.61930/jebmak.v1i1.16

Abstract

Covid 19 memiliki dampak yang sangat serius bagi perkonomian Indonesia termasuk dari sektor pariwisata. Dampak tersebut adalah turunnya minat wisatawan untuk berwisata. Pemerintah kota Palembang berupaya meningkatkan kembali pariwisata yang ada di kota Palembang pasca pemulih covid 19. Upaya peningkatan tersebut adalah dengan cara melakukan kreatifitas dalam menarik wisatawan, baik dengan cara memperbaiki tempat wisata, mempercantik taman hingga mentata rapi para pedagang. Oleh karena itu, artikel ini akan membahas tentang kualitas pelayanan pariwisata di kota Palembang baik dari kebijakan maupun dari ekonomi. Penulis akan mendiskripsikan kualitas pelayan pariwisata dari sejumlah literatur, kemudian menganalisanya secara diskriptif. Penulis menyimpulkan bahwa pemerintah setempat membuat kebijakan strategis atas kualitas pelayanan pariwisata. Selain itu pariwisata di kota Palembang melakukan pembenahan baik melalui infrastruktur, promosi wisata serta menciptakan dan mengembangan ekonomi kreatif melalui para pelaku usaha yang terlibat dalam Kerjasamanya.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN INVESTASI MAHASISWA AKTIF DI GALERI INVESTASI PERGURUAN TINGGI KOTA MAKASSAR Hamriana; Fauziah Bakhtiar; Miftha Farid; Rusnawati; Rusdi Raprayoga
Integrative Perspectives of Social and Science Journal Vol. 2 No. 06 November (2025): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan investasi mahasiswa aktif di Galeri Investasi di perguruan tinggi Kota Makassar. Pendekatan kuantitatif dengan metode deskriptif-kausal digunakan untuk menguji pengaruh financial literacy, informasi akuntansi, overconfidence, dan herding behavior terhadap keputusan investasi. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis dengan Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa financial literacy dan informasi akuntansi berpengaruh positif dan signifikan terhadap keputusan investasi mahasiswa, sedangkan overconfidence dan herding behavior berpengaruh negatif signifikan. Temuan ini memperkuat teori Theory of Planned Behavior dan Behavioral Finance Theory, yang menekankan pentingnya sikap, informasi, dan pengendalian bias psikologis dalam pengambilan keputusan keuangan. Faktor-faktor dominan yang terbentuk dari analisis faktor adalah: pengetahuan dan perencanaan keuangan, kepercayaan diri dalam investasi, serta perilaku ikut-ikutan. Penelitian ini memberikan implikasi penting bagi pengelolaan Galeri Investasi kampus sebagai sarana edukasi praktis guna meningkatkan kualitas keputusan investasi mahasiswa.
THE INFLUENCE OF THE EXTERNAL ENVIRONMENT AND MANAGERIAL FACTORS ON THE FINANCIAL PERFORMANCE OF MSMES THROUGH STRATEGIC PLANNING Pratama Putra, Satria; Dwi Ayu Parmitasari, Rika; Rusnawati
Assets: Jurnal Ekonomi, Manajemen, dan Akuntansi Vol 15 No 2 (2025): Assets : Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/assets.v15i2.59353

Abstract

Increasingly tight business competition requires Micro, Small, and Medium Enterprises (MSMEs) to be more adaptive in facing changes in the external environment and improving managerial capabilities in order to achieve optimal financial performance. This study aims to analyze the influence of the external environment and managerial factors on the financial performance of MSMEs in Makassar City with strategic planning as an intervening variable. A quantitative approach was used in this study with a survey method involving MSMEs in the food and beverage sector that have been operating for at least two years. The purposive sampling technique was applied in selecting the sample. Data analysis was carried out using the Structural Equation Modeling (SEM) method to test the relationship between the variables studied. The results of the study indicate that the external environment and managerial factors have a significant effect on the financial performance of MSMEs, with strategic planning as an intervening variable that strengthens the relationship. This finding emphasizes the importance of adapting to business dynamics and improving managerial quality and strategic planning for the sustainability and growth of MSMEs. Therefore, developing strategies based on external environmental analysis and strengthening internal competencies are the keys to increasing the competitiveness of MSMEs in facing changing market challenges.
IMPLEMENTASI PEMBELAJARAN INOVATIF-PROGRESIF DALAM MENINGKATKAN KUALITAS PEMBELAJARAN Rusnawati
JURNAL EKSPERIMENTAL : Media Ilmiah Pendidikan Vol. 8 No. 1 (2019): Juni
Publisher : Sekolah Tinggi Ilmu Tarbiyah Al-Hilal Sigli Aceh- Indonesia

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Abstract

This article aims to describe the fundamental concepts of innovative-progressive learning, its characteristics, the learning models associated with this approach, and its implications for instructional components. This study employed a qualitative library research method. Data were collected from relevant books, scientific journals, and other academic references and analyzed using a descriptive approach. The findings indicate that innovative-progressive learning encourages students to construct knowledge through direct experience, problem-solving activities, and the application of concepts to real-life situations. Its main characteristics include student-centered learning, the development of critical thinking, creativity, collaboration, and contextual learning. The approach can be implemented through various instructional models, including Direct Instruction, Contextual Teaching and Learning (CTL), Cooperative Learning, Quantum Learning, and Problem Solving. Furthermore, its implementation affects teachers' roles as facilitators, the development of instructional materials, the utilization of learning media, and the application of authentic assessment. Therefore, innovative-progressive learning is considered an effective approach to improving the quality of teaching and learning while fostering students' competencies to meet the demands of 21st-century education.
PENGARUH ASSET TANGIBILITY, GROWTH OPPORTUNITY, DAN FINANCIAL FLEXIBILITY TERHADAP STRUKTUR MODAL PADA PERUSAHAAN START-UP YANG TERDAFTAR DI BURSA EFEK INDONESIA Mukarama, Ummi; Bakhtiar, Fauzia; Rusnawati
Study of Scientific and Behavioral Management Vol 7 No 2 (2026): Manajemen Keuangan Digital
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

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Abstract

This study aims to analyze the effect of Asset Tangibility, Growth Opportunity, and Financial Flexibility on the Capital Structure of start-up companies listed on the Indonesia Stock Exchange (IDX). This research employs a quantitative approach using multiple linear regression analysis on secondary data derived from the financial statements of start-up companies for the period 2021–2024. The data were obtained from the Indonesia Stock Exchange and analyzed using SPSS. The results indicate that Asset Tangibility has a positive and significant effect on Capital Structure, Growth Opportunity has a negative and insignificant effect, and Financial Flexibility has a negative and significant effect on Capital Structure. However, simultaneously, all three independent variables have a significant effect on the Capital Structure of start-up companies. The implications of this study suggest that start-up companies need to consider their asset tangibility, growth opportunities, and financial flexibility in managing their capital structure, in order to make optimal financing decisions and maintain business stability and sustainability. Keywords: Asset Tangibility, Growth Opportunity, Financial Flexibility, Capital Structure, Start-up Companies.
Co-Authors Ahmad Effendi Al Maikar, Fatimah Alim Syariati Andi Nurhidayati Azhari Berlian Febriyanti Ely Kurniati Eti Susanti Fauzia Bakhtiar Fauziah Bakhtiar Habibi, Khairul Hamriana Haris Riadi Indriyani, Eka Irmawati Jamiatussoleha, Siti Jarir Junaidi, Nelly Lely, Andi Nurlaily Marwidah Miftha Farid Miftha Farild Mitra Asriani MS, Eka Indriyani Muhammad Fajar Nur Muhammad Ikhsan Mukarama, Ummi Nurfadillah Nurfadillah Pratama Putra, Satria Rafiuddin, Fifriani Rika Dwi Ayu Parmitasari Risnawati Rizkilah Rusdi Raprayoga Safruddin Siti Jamiatussoleha sri, sri mulyani Suhartini, Eka Suseno Taslim, Muhammad