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Pengaruh Kontrol Diri dan Self-Reward terhadap Pengelolaan Keuangan Pribadi pada Generasi Z di RW 12 Kelurahan Dago, Kecamatan Coblong Kota Bandung Dellia Meitiofani Hamzah; Handri; Nadia Meirani
Bandung Conference Series: Business and Management Vol. 3 No. 2 (2023): Bandung Conference Series Business and Management
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcsbm.v3i2.7987

Abstract

Abstract. The purpose of this study is to measure the effect of self-control and self-reward on the personal financial management of generation Z people in RW 12 Dago Village, Coblong district, Bandung City. Researchers use multiple linear regression analysis techniques using quantitative approaches. The population selected in this study is generation Z community in Rw 12 Dago Village, Coblong District, Bandung City. With the sampling technique, namely purposive sampling and obtained the number of research samples as many as 79 respondents. The data collection technique used in this study was a questionnaire. The classical assumption test used in this study are normality test, multicollinear test, heteroscedasticity test, and autocorrelation test. In addition, there are two statistical test in this study, namely the t test and the F test. The result of this study are: there is a positive relationship between self-control of personal financial management which is included in the strong/high category. There is a negative relationship between self-reward and personal financial management which is included in the strong/high category. There is a simultaneous influence between self-control and self-reward on personal financial management. Abstrak. Tujuan dari penelitian ini adalah untuk mengukur pengaruh kontrol diri dan self reward terhadap pengelolaan keuangan pribadi masyarakat generasi Z di wilayah RW 12 Kelurahan Dago, Kecamatan Coblong, Kota Bandung. Peneliti menggunakan metode teknik analisis regresi linear berganda dengan menggunakan pendekatan kuantitatif. Populasi yang dipilih dalam penelitian ini adalah masyarakat generasi Z di wilayah RW 12 Kelurahan Dago, Kecamatan Coblong, Kota Bandung. Dengan teknik pengambilan sampel yaitu purposive sampling dan diperoleh jumlah sampel penelitian sebanyak 79responden. Teknik pengumpulan data yang digunakan dalam penelitian ini adalah kuesioner. Adapun uji asumsi klasik yang digunakan dalam penelitian ini yaitu uji normalitas, uji multikolinear, uji heterokedastisitas, dan uji autokorelasi. Selai itu, terhadap dua uji statistik dalam penelitian ini yaitu uji t dan uji F. Hasil dari penelitian ini adalah: terdapat hubungan posistif antara kontrol diri dan pengelolaan keuangan pribadi yang termasuk kategori kuat/ting. Terdapat hubungan negatif antara self-reward terhadap pengelolaan keuangan pribadi yang termasuk kategori kuat/tinggi. Terdapat pengaruh secara simultan antara kontrol diri dan self-reward terhadap pengelolaan keuangan pribadi.
Pengaruh Literasi Keuangan dan Kontrol Diri terhadap Perilaku Konsumtif Generasi Z Pengguna ShopeePay di Kota Bandung Siti Nurul Azizah; Handri; Rizka Estisia Pratiwi
Bandung Conference Series: Business and Management Vol. 3 No. 2 (2023): Bandung Conference Series Business and Management
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcsbm.v3i2.9141

Abstract

Abstract. This study aims to determine the effect of financial literacy and self-control both partially and simultaneously on the consumptive behavior of generation Z ShopeePay users in Bandung City. The population in this study were ShopeePay users in Bandung City who belonged to generation Z (born 1997-2012). The sample was taken using purposive sampling technique with a sample size of 100 respondents. Data collection techniques using documentation or literature studies and questionnaires distributed online via google form. The data analysis used is multiple linear regression and processed using IBM SPSS Statistics 27. The partial test results obtained the t-count of financial literacy of 3.582 and self-control of -2.053. Simultaneous test results obtained F-count of 6.416. The results showed that 11.7% of the consumptive behavior of generation Z ShopeePay users in Bandung was influenced by financial literacy and self-control, while the remaining 88.3% was influenced by other factors or variables not examined in this study. The conclusion of this study is that partially, financial literacy has a positive and significant effect on consumptive behavior and self-control has a negative and significant effect on consumptive behavior. As well as financial literacy and self-control simultaneously have a significant effect on consumptive behavior. Abstrak. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan kontrol diri baik secara parsial dan simultan terhadap perilaku konsumtif generasi Z pengguna ShopeePay di Kota Bandung. Adapun populasi dalam penelitian ini yaitu pengguna ShopeePay di Kota Bandung yang termasuk dalam generasi Z (lahir tahun 1997-2012). Sampel diambil menggunakan teknik purposive sampling dengan jumlah sampel sebanyak 100 responden. Teknik pengumpulan data menggunakan dokumentasi atau studi pustaka dan kuesioner yang disebar secara online melalui google form. Analisis data yang digunakan adalah regresi linear berganda dan diolah menggunakan IBM SPSS Statistics 27. Hasil pengujian secara parsial diperoleh thitung literasi keuangan sebesar 3,582 dan kontrol diri sebesar -2,053. Hasil uji secara simultan diperoleh Fhitung sebesar 6,416. Hasil penelitian menunjukkan bahwa 11,7% perilaku konsumtif generasi Z pengguna ShopeePay di Kota Bandung dipengaruhi oleh literasi keuangan dan kontrol diri, sedangkan sisanya sebesar 88,3% dipengaruhi oleh faktor atau variabel lain yang tidak diteliti dalam penelitian ini. Kesimpulan dari penelitian ini adalah secara parsial, literasi keuangan berpengaruh positif dan signifikan terhadap perilaku konsumtif dan kontrol diri berpengaruh negatif dan signifikan terhadap perilaku konsumtif. Serta literasi keuangan dan kontrol diri secara simultan berpengaruh signifikan terhadap perilaku konsumtif.
How accurate is the CAPM approach compared to the Reward Beta for shares of manufacturing and mining companies in Indonesia's LQ45 Index? Handri Handri
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 3 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i3.28904

Abstract

This study evaluates the efficacy of the Capital Asset Pricing Model (CAPM) and Beta Reward Model in forecasting stock returns of companies within the manufacturing and mining sectors listed on Indonesia's LQ45 index. Utilizing monthly closing stock prices from January 2010 to December 2019, the research focuses on ten companies—five from each sector—that consistently appeared in the index throughout the study period. The analysis involves a classic assumption test followed by regression analysis for each company. Key performance indicators, including R-squared, Root Mean Square Error (RMSE), and Mean Absolute Error (MAE), are employed to compare the predictive capabilities of the CAPM and Beta Reward Model. The findings indicate a systematic and superior performance of the Beta Reward Model over the CAPM in predicting stock returns in the Indonesian context. This study contributes to the existing literature on stock return prediction models and provides practical insights for investors and financial analysts in Indonesia.
INFLUENCE OF ENVIRONMENTAL QUALITY FOR SUSTAINABLE DEVELOPMENT IN INDONESIA Rahayu, Heffi Christya; Handri, Handri
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 9 No. 1 (2023): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v9i1.1633

Abstract

Global warming and environmental damage are important issues today. Sustainable development must pay attention to the impact of social and economic actions on the environment. To find out the quality of the environment is influenced by what factors in Indonesia. It is necessary to conduct research using model regression analysis of panel data with variables of GRDP, poverty, energy consumption, and HDI against IKLH there are 33 provinces in Indonesia. The results of the model selected and will be used in this study is the Fixed Effect Model. From the results of the partial analysis, it is known that poverty and HDI have a significant influence on environmental quality, where both variables have a positive effect on IKLH. Meanwhile, GRDP and Energy Consumption do not have a significant influence on IKLH. Simultaneously, the four independent variables affect IKLH as a dependent variable. The magnitude of the influence of the four independent variables (HDI, Poverty, GRDP, and Energy Consumption) on IKLH is 80.95%, and the remaining 19.05% is a variable that is not used in the study
Pendampingan dan Pemberdayaan Lembaga Masyarakat Desa Hutan (LMDH) Mekarmukti melalui Metode Asset Based Community Development Saripudin, Udin; Madjakusumah, Deden Gandana; Handri, Handri; Ihwanudin, Nandang; Nurrachmi, Intan; Efendi, Nur; Yuristama, Agus Prakarsa; Hoerurohman, Aditya
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 2 (2024): May 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v2i2.248

Abstract

The Mekarmukti Forest Village Community Institute (LMDH) is a farmer organization established to implement the Community Forest Management (PHBM) partnership program with Perhutani in Mekarwangi Village, Ibun District, Bandung Regency. LMDH Mekarmukti comprises five Forest Farmers Groups (KTH) with approximately 280 members, cultivating 100 hectares of Perhutani land, primarily focused on Arabica coffee plants. Like many rural communities, LMDH Mekarmukti faces various challenges. One major obstacle for its members is limited market access and the inability to add value to their coffee products, resulting in selling coffee logs to middlemen. This significantly reduces their income and impacts their welfare. Hence, it is crucial to provide assistance and empower the community by raising awareness about their assets and improving their welfare. The empowerment approach used is the ABCD (Asset-Based Community Development) method, which involves identifying assets, planning and evaluating programs to enhance farmers' progress and welfare. By employing the ABCD method, the aim is to increase awareness and optimize asset utilization. The successful implementation of the ABCD method requires collaboration among farmers, the community, and the government to jointly support farmer empowerment programs and improve their welfare.
Optimalisasi Cash Waqf Linked Sukuk (CWLS) Melalui Peningkatan Literasi Wakaf (Studi Pada Wakaf Salman ITB) Khairani, Isti; Karamy, Nabiel; Didjaya Prawinata, Raden Bhatara; Saripudin, Udin; Handri, Handri
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v9i2.2460

Abstract

This research aims to analyze the optimization of Cash Waqf Linked Sukuk (CWLS) which is already underway. Until the end of 2022 in Retail CWLS series SWR 001 in 2020, CWLS Retail series SWR 002 in 2021, and CWLS Retail series SWR 003 in 2022. The research was conducted using descriptive methods with the research object at Wakaf Salman ITB as nazhir or manager waqf. The research results show that Waqf Salman has taken strategic steps in collaboration with various stakeholders. In increasing cash waqf through CWLS, it is necessary to increase education regarding sharia financial literacy and waqf literacy as well as knowledge about CWLS products. Education can be carried out through social media or webinars which further educate the advantages of CWLS products which have many benefits, not only for wakif, mauquf alaih, but also for the development of the sharia economy and national development.
EDUKASI DAMPAK DAN PENCEGAHAN GHOST FISHING DI LAUT Nugraha, Erick; Sari Mardiah, Ratu; Yusrizal, Yusrizal; P. Nababan, Sakti; Hermawan, Maman; Suharyanto, Suharyanto; Sudrajat, Danu; Sugriwa Husen, Eddy; Hutajulu, Jerry; Syamsuddin, Syarif; Basith, Abdul; Saputra, Aman; Suharto, Suharto; Goenaryo, Goenaryo; Kusumo Efyjanto, Tonny; Handri, Handri; Tiku, Mathius; Nurlaela, Eli; Dewi, Priyantini
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 5 (2024): Martabe : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i5.1601-1608

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Ghost fishing adalah fenomena yang memiliki dampak negatif bagi ekosistem laut. Salah satu penyebab maraknya fenomena ghost fishing adalah alat penangkap ikan yang tersangkut dan hanyut di dasar perairan, sehingga mengakibatkan ikan terjerat pada alat tangkap rusak dan mengundang datangnya predator yang akan memakan ikan kecil dan ikut terjerat didalamnya kemudian mati. Pentingnya sosialisasi terkait ghost fishing akan meningkatkan kesadaran nelayan untuk dapat mencegah ghost fishing dengan melakukan beberapa upaya penting. Maka dari itu, pengabdian kepada masyakarat ini bertujuan untuk meningkatkan keterampilan, pengetahuan dan wawasan nelayan tentang dampak dan pencegehan ghost fishing di laut. Edukasi ini dilaksanakan di wilayah Pelabuhan Perikanan Cikidang, Kelurahan Babakan, Kecamatan Pangandaran, Kabupaten Pangandaran. Metode yang digunakan adalah metode pendekatan community development dan konsep pendekatan teori. Peserta kegiatan merupakan nelayan penuh yang melakukan aktivitas penangkapan dan melakukan bongkar muat di sekitar Pelabuhan Perikanan Cikidang. Hasil edukasi ini diawali dengan kegiatan survei dana wawancara kepada kelompok nelayan peserta kegiatan ini. Kemudian, pelaksanaan edukasi dilaksanakan dengan konsep pendekatan yaitu dengan kelas teori. Materi yang disampaikan adalah pengertian tentang ghost fishing, penyebab adanya fenomena ghost fishing, sumber sampah laut, dampak ghost fishing bagi ekosistem laut dan cara pencegahannya. Hasil monitoring dan evaluasi menyebutkan bahwa nelayan mendapatkan banyak manfaat dalam menggunakan alat tangkap baru dan memberikan wawasan jkepada nelayan tentang cara mencegah ghost fishing di laut. Persepsi nelayan disekitar PP Cikidang  menjadi positif dan memiliki pemahaman yang baik tentang pentingnya pencegahan ghost fishing dalam upaya menjaga kelestarian laut dan mendukung keberlanjutan ekosistem pesisir.
The influence of working capital on the profitability of food and beverage sector companies listed on the Indonesian stock exchange Donita Nawangayu Ningsih; Handri, Handri
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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

Abstract

The processing industry sector, represented by the food and beverage subsector, is the driving sector of the Indonesian economy. Competition in Indonesia's food and beverage sector shows consistent performance, involving both small and large companies that dominate market activity and maintain a high sustainability index. This research aims to analyze how much-working capital influences profitability with a high sustainability index in 2022. The working capital variable is the difference between the company's current assets and liabilities. In contrast, the profitability variable is calculated through the ratio of net profit to sales the company obtains. From the population of 18 food and beverage companies with a high sustainability index on the Indonesia Stock Exchange, a sample of 3 consistently performing companies was obtained for the study period. The sample selection technique employed was purposive sampling. Following data testing and selecting the preferred model, the data received will be subjected to panel data regression. The results of this research analysis provide empirical evidence that the working capital policies implemented by companies can significantly influence the profitability (ROA, ROE, EAT, and GOP) of companies in the food and beverage sector. The research substantially contributes to food and beverage industry companies by optimizing liquidity and managing working capital to improve profitability. These results can also serve as guidance for upcoming researchers investigating the factors that influence the financial performance of companies in the food and beverage sector to enhance overall profitability.
Analisis Strategi Peningkatan Mutu Layanan Dengan Pendekatan Soar (Studi pada Poliklinik Gigi Umum Rumah Sakit Gigi dan Mulut Unjani Cimahi) Hanii Ammariia; Ima Amaliah; Handri Handri
Jurnal Ners Vol. 9 No. 4 (2025): OKTOBER 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jn.v9i4.50696

Abstract

Penurunan jumlah kunjungan pasien Poliklinik Gigi Umum Rumah Sakit Gigi dan Mulut (RSGM) Unjani Cimahi menunjukkan perlu upaya strategis dalam meningkatkan mutu layanan kesehatan. Penelitian ini bertujuan untuk menganalisis kekuatan, peluang, aspirasi, dan hasil yang dapat dijadikan dasar strategi peningkatan mutu layanan menggunakan pendekatan Strengths, Opportunities, Aspirations, Results (SOAR). Penelitian ini menggunakan mix method dengan teknik pengumpulan data melalui kuesioner, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa kekuatan utama poliklinik gigi umum meliputi kualitas sumber daya manusia, fasilitas, serta profesionalitas pelayanan. Peluang strategis terletak pada kerja sama dengan pihak ketiga, meningkatnya kebutuhan masyarakat, dan potensi pasar yang luas. Aspirasi institusi mencakup pengembangan layanan digital dan promosi berbasis kebutuhan pasien. Faktor hasil adalah peningkatan efektivitas proses dan kepuasan pelanggan. Berdasarkan hasil analisis SOAR dan matriks QSPM, diperoleh dua strategi utama, yaitu SR 1 (Strengths–Results) yang berfokus pada pemanfaatan kekuatan internal seperti fasilitas yang lengkap dan tenaga profesional untuk mempercepat implementasi sistem informasi pelayanan berbasis digital, serta OR 1 (Opportunities–Results) yang menekankan pemanfaatan peluang kerja sama dan peningkatan pasar untuk menghasilkan layanan rawat jalan yang efisien dan terintegrasi secara online. Kedua strategi ini menjadi prioritas dalam merancang perbaikan mutu layanan secara berkelanjutan dan hasil nyata.
MENDORONG PRAKTIK BISNIS BERKELANJUTAN DAN PEMASARAN DIGITAL PADA SEKTOR UMKM DI THAILAND MELALUI COMMUNITY ENGAGEMENT Saraswati, Nindya; Meirani, Nadia; Assyofa, Allya Roosallyn; Nugraha, Yudha Dwi; Gumelar, Eka Tresna; Mulyaningsih, Hendrati Dwi; Handri, Handri; Wirayudha, Aditia; Rosandi, Mochamad Malik Akbar; Permana, Rezi Muhamad Taufik
JMM (Jurnal Masyarakat Mandiri) Vol 10, No 2 (2026): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v10i2.38008

Abstract

Abstrak: UMKM di negara berkembang masih menghadapi permasalahan rendahnya pemahaman praktik bisnis berkelanjutan dan keterbatasan pemanfaatan pemasaran digital, khususnya pada sektor usaha berbasis pasar tradisional. Pengabdian kepada masyarakat internasional ini bertujuan meningkatkan kapasitas 30 pelaku UMKM Thailand dalam mengintegrasikan praktik bisnis berkelanjutan dan pemasaran digital sebagai strategi peningkatan daya saing, mencakup peningkatan hardskill berupa kemampuan teknis penggunaan platform pemasaran digital dan penerapan prinsip bisnis berkelanjutan, serta softskill berupa kesadaran, komitmen, dan adaptasi lintas budaya dalam berwirausaha. Kegiatan dilaksanakan melalui penyuluhan dan workshop praktik kepada mitra di Save One Go Market Yaek Kor Por Aor, Thailand. Evaluasi melalui pendekatan outcome-based evaluation yang menilai capaian nyata peserta menggunakan instrumen penilaian yang terdiri dari 15 item pertanyaan. Tingkat ketercapaian keberhasilan kegiatan diukur berdasarkan tiga dimensi, yaitu: (1) perubahan sikap yang tercermin dari meningkatnya kesadaran dan komitmen peserta terhadap praktik bisnis berkelanjutan dengan tingkat peningkatan softskill sebesar 82%; (2) perubahan sosial dan budaya usaha yang terlihat dari partisipasi aktif peserta dengan capaian 78%; serta (3) adopsi awal pemasaran digital sebagai indikator peningkatan hardskill dengan capaian sebesar 74%. Kebaruan kegiatan ini terletak pada model PkM internasional berbasis pasar lokal non-wisata yang mengintegrasikan keberlanjutan dan digitalisasi secara praktis dalam konteks lintas budaya.Abstract: MSMEs in developing countries continue to face challenges related to limited understanding of sustainable business practices and low utilization of digital marketing, particularly in traditional market-based enterprises. This international community service program aimed to strengthen the capacity of Thai SMEs in integrating sustainable business practices and digital marketing as competitive enhancement strategies, encompassing the development of hard skills, including technical proficiency in digital marketing platforms and the application of sustainable business principles, as well as soft skills such as awareness, commitment, and cross-cultural entrepreneurial adaptability. The program was implemented through socialization, counseling, and hands-on workshops involving 30 MSME partners at Save One Go Market Yaek Kor Por Aor, Thailand. The evaluation was conducted using an outcome-based approach that measured participants' actual achievements through a 15-item assessment instrument. Program success was assessed across these three dimensions: (1) attitudinal change, reflected in heightened awareness and commitment toward sustainable business practices, with a soft skill improvement rate of 82%; (2) social and business-cultural transformation, evidenced by active participant engagement, achieving a score of 78%; and (3) initial adoption of digital marketing as an indicator of hard skill development, with an attainment rate of 74%. The novelty of this program lies in its international community service model conducted in a non-tourism local market, integrating sustainability and digitalization through practical, context-based interventions.