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The Influence of Financial Knowledge and Financial Experience on Financial Satisfaction with Financial Literacy as Intervening Variables in Generation Z in the Air Batu District Siregar, Qahfi Romula; Simatupang, Jumeida
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2813

Abstract

This study aims to find out how the influence of Financial Knowledge and Financial Experience on Financial Satisfaction with Financial Literacy as an Intervening Variable in Generation Z in Air Batu District. The population in this study were all Z generations in Air Batu District and the sample was 100 people. Data analysis and uses the Partial Least Square (PLS) model. The results show that Financial Knowledge has a significant effect on Financial Satisfaction, Financial Experience has a significant effect on Financial Satisfaction, Financial Knowledge has a significant effect on Financial Literacy, Financial Experience has a significant effect on Financial Literacy, Financial Literacy has a significant effect on Financial Satisfaction, Financial Knowledge has a significant effect on Financial Satisfaction through Financial Literacy as an intervening variable. Financial Experience has a significant effect on Financial Satisfaction through Financial Literacy as an intervening variable.
THE INFLUENCE OF GROSS PROFIT MARGIN AND RETURN ON ASSET ON STOCK PRICES WITH PROFIT GROWTH AS AN INTERVENING VARIABLE Vidiyawati, Wina; Siregar, Qahfi Romula
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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

Abstract

This study aims to determine whether there is an effect of Gross Profit Margin and Return On Assets on Stock Prices with Profit Growth as an intervening variable in Mining Companies in the Coal Sub-sector Listed on the Indonesia Stock Exchange 2018-2022. The approach used is an associative approach, with the sampling criteria using the Purposive Sampling Technique, which is a sampling technique for data sources with certain considerations, so that out of 28 populations only 6 samples are obtained which can be examined. Data collection techniques using documentation studies. The data analysis method used in this study uses Partial Least Square (PLS). The results of the study prove that there is a significant effect between Return On Assets on Profit Growth, there is no significant effect between Gross Profit Margin on Stock Prices, there is no significant effect between Return On Assets on Stock Prices, there is no significant effect between Gross Profit Margin on Profit Growth, there is no significant effect between stock prices on profit growth, profit growth does not mediate the effect between gross profit margin on stock prices, profit growth does not mediate the effect between return on assets on stock prices .
The Influence of Financial Knowledge and Financial Experience on Financial Satisfaction with Financial Literacy as Intervening Variables in Generation Z in the Air Batu District Siregar, Qahfi Romula; Simatupang, Jumeida
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2813

Abstract

This study aims to find out how the influence of Financial Knowledge and Financial Experience on Financial Satisfaction with Financial Literacy as an Intervening Variable in Generation Z in Air Batu District. The population in this study were all Z generations in Air Batu District and the sample was 100 people. Data analysis and uses the Partial Least Square (PLS) model. The results show that Financial Knowledge has a significant effect on Financial Satisfaction, Financial Experience has a significant effect on Financial Satisfaction, Financial Knowledge has a significant effect on Financial Literacy, Financial Experience has a significant effect on Financial Literacy, Financial Literacy has a significant effect on Financial Satisfaction, Financial Knowledge has a significant effect on Financial Satisfaction through Financial Literacy as an intervening variable. Financial Experience has a significant effect on Financial Satisfaction through Financial Literacy as an intervening variable.
Pengaruh Sikap Keuangan, Pengalaman Keuangan, Locus Of Control, Gaya Hidup, dan Pendapatan Terhadap Perilaku Keuangan Pada Generasi Sandwich di Kecamatan Medan Belawan Marunduri, Putri Ahda Sabilla; Siregar, Qahfi Romula
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 2 (2024): Mei 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i2.557

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana sikap keuangan, pengalaman keuangan, locus of control, gaya hidup, dan pendapatan terhadap perilaku keuangan generasi sandwich di Kecamatan Medan Belawan. Penelitian ini menggunakan pendekatan asosiatif untuk mengetahui hubungan antar variabel. Data disajikan dalam bentuk kuantitatif yang meliputi pengujian dan analisis data numerik yang dilanjutkan dengan penarikan kesimpulan dan pengujian hipotesis. Sasaran penelitian adalah generasi sandwich di Kecamatan Medan Belawan, dengan jumlah populasi yang tidak diketahui dan sampel sebanyak 95 responden, yang dipilih menggunakan rumus Lemeshow sampling. Hasil penelitian menunjukkan bahwa Sikap Keuangan berpengaruh signifikan terhadap perilaku keuangan, pengalamankeuangan berpengaruh signifikan terhadap perilaku keuangan, locus of control berpengaruh signifikan terhadap perilaku keuangan, gaya hidup berpengaruh signifikan terhadap perilaku keuangan, pendapatan berpengaruh signifikan terhadap perilaku keuangan, dansecara kolektif sikap keuangan berpengaruh signifikan terhadap perilaku keuangan. pengalaman keuangan, locus of control, gaya hidup, dan pendapatan mempunyai pengaruh yang signifikan terhadap perilaku keuangan pada generasi sandwich di Kecamatan Medan Belawan This study investigates how financial attitudes, financial experience, locus of control, lifestyle, and income on financial behavior among the sandwich generation in Medan Belawan District. This research uses an associative approach to determine the relationships between variables. The data is presented in quantitative form, involving the testing and analysis of numerical data followed by conclusions and hypothesis testing. The research targets the sandwich generation in Medan Belawan District, with an unknown population size and a sample of 95 respondents, selected using the Lemeshow sampling formula. The results show that Financial Attitudes have a significant influence on financial behavior, financial experience significantly affects financial behavior, locus of control significantly influences financial behavior, lifestyle has a significant effect on financial behavior, income significantly impacts financial behavior, and collectively, financial attitudes, financial experience, locus of control, lifestyle, and income have a significant influence on financial behavior among the sandwich generation in Medan Belawan District.
Pengaruh Net Profit Margin Dan Earning Per Share Terhadap Harga Saham Dimediasi Struktur Modal Pada Perusahaan Sub Sektor Batu Bara Yang Terdaftar Di Bursa Efek Indonesia Periode 2019 – 2023 Ginting, Camelia; Siregar, Qahfi Romula
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 2 (2024): Mei 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i2.558

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Net Profit Margin dan Earning Per Share terhadap harga saham yang dimediasi oleh struktur modal pada perusahaan sub sektor Batubara yang terdaftar di Bursa Efek Indonesia periode 2019-2023. Metode penelitian menggunakan penelitian kuantitatif dengan pendekatan asosiatif. Teknik pengumpulan datanya adalah dokumentasi. Jenis dan sumber data dalam penelitian ini adalah laporan keuangan perusahaan tahun 2019 sampai dengan tahun 2023 yang diperoleh dari situs resmi Bursa Efek Indonesia. Populasi dalam penelitian ini sebanyak 20 perusahaan dan sampel sebanyak 8 perusahaan dengan menggunakan teknik purposive sampling. Teknik analisis data dalam penelitian ini menggunakan regresi data panel, uji asumsi klasik, uji t, uji f, analisis jalur, koefisien determinasi dan uji Sobel. Pengolahan data pada penelitian ini menggunakan eviews 12. Berdasarkan hasil penelitian yang dilakukan disimpulkan bahwa secara parsial Net Profit Margin dan struktur modal berpengaruh signifikan terhadap harga saham, sedangkan Earning Per Share tidak berpengaruh signifikan terhadap harga saham, Net Margin Laba dan Laba Per Saham tidak. berpengaruh signifikan terhadap Struktur Modal, berdasarkan uji sobel yang dilakukan Struktur Modal tidak memediasi pengaruh Net Profit Margin dan Earning Per Share terhadap harga saham. This research aims to understand the influence of Net Profit Margin and Earning Per Share on share prices mediated by capital structure in Coal sub-sector companies listed on the Indonesian stock exchange for the period 2019-2023. The research method uses quantitative research with an associative approach. The data collection technique is documentation. The type and source of data in this research is the company's financial reports for 2019 to 2023 which were obtained from the official website of the Indonesian Stock Exchange. The population in this study was 20 companies and the sample was 8 companies using purposive sampling technique. Data analysis techniques in this research use panel data regression, classical assumption test, t test, f test, path analysis, coefficient of determination and Sobel test. Data processing in this study used eviews 12. Based on the results of the research conducted, it was concluded that partially Net Profit Margin and capital structure had a significant effect on share prices, while Earning Per Share had no significant effect on share prices, Net Profit Margin and Earning Per Share did not. has a significant effect on Capital Structure, based on the sobel test carried out Capital Structure does not mediate the effect of Net Profit Margin and Earning Per Share on stock prices
Pengaruh Pengetahuan Keuangan, Pendapatan, Dan Gaya Hidup Terhadap Perilaku Keuangan Mahasiswa Asahan Siregar, Qahfi Romula; Jufrizen, Jufrizen; Simatupang, Jumeida
Mandiri : Jurnal Akuntansi dan Keuangan Vol. 2 No. 1 (2023): Februari 2023
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jak.v2i1.289

Abstract

Pasca Covid 19 banyak perubahan yang terjadi tentang proses pemahaman dan pengelolaan keuangan pada masyarakat. Perubahan kehidupan tentunya mempengaruhi pemahaman keluarga baik itu pengelolaan keuangan, pendapatan dan gaya hidup terhadap perilaku keuangan. Populasi dalam penelitian Mahasiswa di Kabupaten Asahan.   Penelitian dengan mengambil sampel sebanyak 100 Generasi Mahasiswa di Kabupaten Asahan  yang ada di Kabupaten Asahan  yang sebagai sampel. Penelitian ini menggunakan Judgement Sampling, dimana sampel dipilih dari suatu populasi berdasarkan pertimbangan ahli maupun pertimbangan ilmiah. Teknik pengumpulan data dalam penelitian ini menggunakan teknik dokumentasi, observasi, dan angket. Teknik analisis data dalam penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan analisis statistik dengan menggunakan uji Auter Model Analysis, Inner Model Analysis, dan Pengujian Hipotesis. Pengolahan data dalam penelitian ini menggunakan program software PLS (Partial Least Square). Hasil penelitian ini membuktikan secara parsial bahwa Pengetahuan keuangan berpengaruh terhadap Perilaku Keuangan, Pendapatan berpengaruh terhadap Perilaku Keuangan, Gaya Hidup berpengaruh terhadap Perilaku Keuangan. Dan secara simultan Pengetahuan keuangan, Pendapatan dan Gaya Hidup berpengaruh terhadap Perilaku Keuangan. After Covid 19, many changes have occurred regarding the process of understanding and managing finances in the community. Changes in life certainly affect family understanding, both financial management, income and lifestyle towards financial behavior. Population in student research in Asahan district. Research by taking a sample of 100 Generations of Students in Asahan District as a sample. This study uses Judgment Sampling, where the sample is selected from a population-based on expert and scientific considerations. Data collection techniques in this study used documentation, observation, and questionnaire techniques. Data analysis techniques in this study used a quantitative approach using statistical analysis using the Auter Model Analysis test, Inner Model Analysis, and Hypothesis Testing. Data processing in this study uses the PLS (Partial Least Square) software program. The results of this study partially prove that financial knowledge influences financial behavior, income influences financial behavior, and lifestyle influences financial behavior. And simultaneously financial knowledge, income, and lifestyle influence financial behavior.  
Peran Literasi Keuangan Dalam Memediasi Pengaruh Financial Technology Dan Risk Perception Terhadap Keputusan Investasi Dengan Financial Literacy Sebagai Variabel Intervening Helmalianika, Elsye; Siregar, Qahfi Romula
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.v4i2.705

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Teknologi Keuangan (Financial Technology) dan Persepsi Risiko terhadap Keputusan Investasi dengan Literasi Keuangan sebagai variabel intervening pada wirausahawan muda di Kota Medan. Penelitian ini menggunakan pendekatan kuantitatif asosiatif. Sampel sebanyak 66 orang ditentukan melalui teknik quota sampling. Data dikumpulkan melalui wawancara, studi dokumentasi, dan kuesioner, kemudian dianalisis dengan metode Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa Teknologi Keuangan dan Persepsi Risiko berpengaruh signifikan terhadap Keputusan Investasi, baik secara langsung maupun melalui Literasi Keuangan sebagai variabel mediasi. Literasi Keuangan juga terbukti memiliki pengaruh signifikan terhadap Keputusan Investasi. Temuan ini menekankan pentingnya penguatan literasi keuangan dalam meningkatkan kualitas pengambilan keputusan investasi oleh wirausahawan muda This study aims to examine the influence of Financial Technology and Risk Perception on Investment Decisions, with Financial Literacy as an intervening variable, among young entrepreneurs in Medan City. The research employs an associative quantitative approach. A sample of 66 respondents was selected using a quota sampling technique. Data were collected through interviews, documentation studies, and questionnaires, and analyzed using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method. The findings reveal that both Financial Technology and Risk Perception have significant effects on Investment Decisions, both directly and indirectly through Financial Literacy as a mediating variable. Financial Literacy also significantly influences Investment Decisions. These results highlight the critical role of financial literacy in enhancing investment decision-making among young entrepreneurs.  
Pengaruh Sikap Keuangan dan Parental Income Terhadap Pengelolaan Keuangan Dengan Pengendalian Diri Sebagai Variabel Intervening Pada Generasi Z Lubis, Muhammad Azmi; Siregar, Qahfi Romula
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.v4i2.712

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sikap keuangan dan pendapatan orang tua terhadap pengelolaan keuangan dengan pengendalian diri sebagai variabel intervening pada Generasi Z di Kecamatan Kota Kisaran Timur, Sumatera Utara. Penelitian ini menggunakan pendekatan kuantitatif asosiatif. Jumlah populasi tidak diketahui secara pasti, sehingga penentuan sampel sebanyak 96 orang dilakukan menggunakan rumus Lemeshow. Teknik pengumpulan data dilakukan melalui wawancara, studi dokumentasi, dan kuesioner, sedangkan teknik analisis data menggunakan model Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa sikap keuangan dan pendapatan orang tua berpengaruh signifikan terhadap pengelolaan keuangan. Selain itu, sikap keuangan juga berpengaruh signifikan terhadap pengendalian diri, dan pengendalian diri turut berpengaruh signifikan terhadap pengelolaan keuangan. Temuan ini juga menunjukkan bahwa pengendalian diri memediasi hubungan antara sikap keuangan dan pendapatan orang tua terhadap pengelolaan keuangan pada Generasi Z di Kecamatan Kota Kisaran Timur. This study aims to analyze the influence of financial attitudes and parental income on financial management with self-control as an intervening variable among Generation Z in Kecamatan Kota Kisaran Timur, North Sumatra. The study employed an associative quantitative approach. The population size is unknown, and a sample of 96 respondents was determined using the Lemeshow formula. Data were collected through interviews, documentation studies, and questionnaires, and analyzed using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method. The results indicate that both financial attitudes and parental income significantly affect financial management. Financial attitudes also significantly influence self-control, which in turn significantly affects financial management. Furthermore, self-control mediates the relationship between financial attitudes and parental income on financial management among Generation Z in Kecamatan Kota Kisaran Timur.
Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba Pada Perusahaan Sektor Transportasi dan Logistik yang Terdaftar di Bursa Efek Indonesia Harahap, Wanda Fadilah; Siregar, Qahfi Romula
Bursa : Jurnal Ekonomi dan Bisnis Vol. 4 No. 3 (2025): September 2025
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v4i3.755

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Current Ratio, Quick Ratio, Debt to Equity Ratio, Debt to Asset Ratio, Total Asset Turnover, Inventory Turnover, Return on Assets, dan Net Profit Margin terhadap pertumbuhan laba perusahaan transportasi dan logistik yang terdaftar di Bursa Efek Indonesia. Pendekatan yang digunakan adalah kuantitatif asosiatif dengan metode purposive sampling pada 12 dari 37 perusahaan sebagai sampel. Data sekunder dianalisis menggunakan regresi linear berganda, uji asumsi klasik, uji hipotesis, dan koefisien determinasi dengan bantuan SPSS 25. Hasil penelitian menunjukkan bahwa secara parsial, seluruh variabel independen tidak berpengaruh signifikan terhadap pertumbuhan laba perusahaan.   This study aims to analyze the effect of Current Ratio, Quick Ratio, Debt to Equity Ratio, Debt to Asset Ratio, Total Asset Turnover, Inventory Turnover, Return on Assets, and Net Profit Margin on profit growth in transportation and logistics companies listed on the Indonesia Stock Exchange. The research uses an associative quantitative approach with purposive sampling, selecting 12 out of 37 companies as the sample. Secondary data were analyzed using multiple linear regression, classical assumption tests, hypothesis testing, and the coefficient of determination with SPSS 25 software. The results show that, partially, all independent variables have no significant effect on profit growth  
Pengaruh Literasi Keuangan Dan Kesadaran Keuangan terhadap Kesejahteraan Keuangan Melalui Pengelolaan Keuangan Wulandari, Dina Fitri; Siregar, Qahfi Romula
Mandiri : Jurnal Akuntansi dan Keuangan Vol. 4 No. 1 (2025): Februari 2025
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jak.v4i1.715

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan kesadaran keuangan terhadap kesejahteraan finansial melalui manajemen keuangan pada generasi sandwich di Kota Banda Aceh. Pendekatan yang digunakan adalah asosiatif dengan metode kuantitatif. Populasi dalam penelitian ini adalah seluruh masyarakat generasi sandwich di wilayah Kota Banda Aceh yang jumlah pastinya tidak diketahui, sehingga sampel diambil dengan teknik quota sampling sebanyak 100 orang. Instrumen pengumpulan data menggunakan wawancara, studi dokumentasi, dan kuesioner. Teknik analisis data yang digunakan adalah analisis jalur statistik dengan model Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi keuangan dan kesadaran keuangan memiliki pengaruh yang signifikan terhadap kesejahteraan finansial. Kedua variabel tersebut juga terbukti berpengaruh signifikan terhadap manajemen keuangan, yang pada gilirannya berpengaruh positif dan signifikan terhadap kesejahteraan finansial. Selain pengaruh langsung, literasi keuangan dan kesadaran keuangan juga berpengaruh secara tidak langsung terhadap kesejahteraan finansial melalui manajemen keuangan sebagai variabel intervening. This study aims to determine the influence of financial literacy and financial awareness on financial well-being through financial management among the sandwich generation in Banda Aceh City. The approach used is associative with a quantitative method. The population consists of the entire sandwich generation community in Banda Aceh City, whose exact number is unknown, so the sample was determined using a quota sampling technique of 100 individuals. Data collection instruments included interviews, documentation studies, and questionnaires. The data analysis technique applied is statistical path analysis using the Partial Least Square-Structural Equation Modeling (PLS-SEM) model. The results show that financial literacy and financial awareness significantly influence financial well-being. Both variables also significantly affect financial management, which in turn has a positive and significant effect on financial well-being. In addition to the direct effects, financial literacy and financial awareness also have indirect effects on financial well-being through financial management as an intervening variable.