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The Influence of Islamic Financial Literacy, Income and Financial Behavior on Investment Decisions During The Covid-19 Pandemic Pahlevi, Cepi; Nurlia; Musa, Ichwan; Anwar, Vebby; Norhaedah, Norhaedah; Evendi, Agustina Martha
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 12 No. 2 (2023): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v12i2.2357

Abstract

This study was conducted to examine Islamic Financial Literacy, Income and Financial Behavior which partly influence the investment decisions of PT. Pegadaian, Regional Office IVl Balikpapan. This type of research is quantitative with data sources from questionnaire results. The sample in this study was 100l customers of PT. Pegadaian Regional Office IVl Balikpapan uses the Slovin formula. Researchers used IBM's statistical application SPSS 26. The application is used to test instrument tests, classical assumption tests, multiple linear regression analysis and research hypothesis tests. The results of the analysis show that Islamic financial literacy, income and financial behavior have a positive and significant effect on investment decisions. Islamic Financial Behavior Variables have a dominant influence on other variables.
Determination of Debt Use on Capital Structure in Indonesia Tasrim, Tasrim; Anwar, Vebby; Estiani, Estiani; Kurniawan, Angga; Jayanti, Ansri
JBTI : Jurnal Bisnis : Teori dan Implementasi Vol. 15 No. 3 (2024): December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jbti.v15i3.22671

Abstract

The use of debt is a strategic decision of the company. The company must make such decisions for the sustainability of its operations. The study investigates the factors influencing debt use in a company's capital structure. The locus of research was a technology business registered on the Indonesia Stock Exchange. The sampling was of 17 companies selected through the purposive sampling method. The companies selected as research samples were those that routinely reported financial statements during the research period from 2019 to 2023. Multiple regression analysis was employed to analyze the data. The results showed that liquidity strength negatively correlated with debt use, while the Current Ratio (CR) did not show a significant effect. Tangible assets affect the debt-to-equity ratio (DER), and no significant effect was found on the use of STDTA. Return on Asset (ROA) negatively affects short total debt to total assets (STDTA) and positively affects DER. In contrast, Total Asset Turnover (ATO) and Return on Equity (ROE) positively affected STDTA. ATO had a negative impact on DER. Meanwhile, ROE was not found to have a significant effect on DER. The company uses the pecking order theory approach in its capital structure policy. It pays more attention to internal conditions before adopting a policy of using or increasing debt in the capital structure.
Pendampingan Penyusunan Laporan Keuangan berbasis SAK EMKM pada UMKM Mama-Mama Papua di Kabupaten Sorong Munzir, Munzir; Anwar, Vebby; Henraman, Henraman; Budi, Rosdinaman; Mikir, Soleman; Katumlas, Mina Marsela
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 2 No. 4 (2024): November 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/jp2m.v2i4.306

Abstract

The purpose of this community service activity is to provide understanding and knowledge to MSME Mama-mama Papua, Malasom Village in preparing financial reports based on SAK EMKM so that they understand and are able to implement proper financial reporting. This assistance was carried out on September 12, 2024 through counseling and training activities. The results of this community service activity are an increase in the understanding and skills of participants in making financial reports based on SAK EMKM. By looking at the results of the pre-test and post-test produced with a level of 47% to 76%. This is an ongoing evaluation carried out by the community service team so that the understanding of MSME Mama-mama Papua continues to increase continuously.
Sumber Daya Manusia Papua: Motivasi Kerja Dan Stres Kerja Pada Kinerja Pegawai Sadipun Komber, Mervin Irian; Budi, Rosdinaman; Anwar, Vebby; Homer, Yakoba; Munzir, Munzir; Komoiki, Serahpine
Nobel Management Review Vol. 5 No. 3 (2024): Nobel Management Review
Publisher : Lembaga Penelitian, Publikasi dan Pengabdian pada Masyarakat ITB Nobel Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37476/nmar.v5i3.5074

Abstract

Keberhasilan sebuah perusahaan sangat dipengaruhi oleh faktor SDM yang terlibat dalam kegiatan operasional, terutama berkaitan dengan kinerja pegawai. Kinerja yang tinggi akan mendorong perusahaan meraih keuntungan, sementara penurunan kinerja dapat berakibat merugikan. Oleh karena itu, perhatian terhadap kinerja pegawai amatlah penting, salah satunya dengan cara mengatasi stres permasalahan yang dapat menghambat kinerja pegawai. Penelitian ini bertujuan untuk menganalisis pengaruh stres kerja dan motivasi kerja terhadap kinerja pegawai di Provinsi Papua Barat Daya. Jenis penelitian yang digunakan adalah penelitian kuantitatif deskriptif. Hasil penelitian menunjukkan bahwa stres kerja tidak memiliki pengaruh yang signifikan terhadap kinerja pegawai secara parsial, dengan tingkat signifikansi di atas 0,05 (0,299 > 0,05). Di sisi lain, motivasi kerja menunjukkan pengaruh yang signifikan terhadap kinerja pegawai secara parsial, sebagaimana dibuktikan dengan tingkat signifikansi yang sesuai.
More than a paycheck: How non-financial incentives shape employee motivation in public administration Irwan, Andi; Anwar, Vebby; Zaitun, Cakra
Asian Management and Business Review Volume 5 Issue 1, 2025
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol5.iss1.art12

Abstract

This study examines how non-monetary rewards affect worker motivation in Indonesia’s public sector, highlighting the moderating influence of leadership style and the mediating function of perceived organizational support (POS). Partial Least Squares Structural Equation Modelling (PLS-SEM) and survey data from 357 public sector workers were used to confirm that work-life balance, career advancement, job enrichment, and recognition significantly increase motivation, with career development having the most impact. POS mediates these ties, and their influence is increased by transformational leadership. These observations, which emphasize the value of organized career development, successful recognition programs, and leadership training, add to the body of knowledge in human resource management and provide valuable suggestions for legislators. Public service performance can be improved, and staff motivation can be raised by bolstering organizational support and encouraging leadership involvement.
Behavioral Drivers of Capital Structure and Their Impact on MSE Performance: Evidence from Indonesia Anwar, Vebby; Irwan, Andi; Bin Mohd Zaini, Muhammad Nabil Danial; Budi, Rosdinaman; Tasrim
JASF: Journal of Accounting and Strategic Finance Vol. 8 No. 1 (2025): JASF (Journal of Accounting and Strategic Finance) - June 2025
Publisher : Accounting Department, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v8i1.561

Abstract

Purpose: This study explores how financial behavior influences capital structure decisions and, in turn, affects firm financial performance and sustainable business growth among micro and small enterprises (MSEs) in Indonesia. Drawing on behavioral finance theory, the study examines the effects of three antecedents, financial literacy, risk tolerance, and behavioral biases on capital structure decisions. Furthermore, it investigates the mediating roles of access to finance and financial planning behavior, and the outcome effect of financial performance on long-term business growth. Method:Data was gathered from 420 MSE owner-managers across a variety of Indonesian sectors using a standardized questionnaire. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to examine the data. Findings: Results revealed that all three behavioral antecedents significantly influenced capital structure decisions. Capital structure, in turn, had both direct and indirect effects on firm financial performance, mediated through improved financial access and planning. Moreover, financial performance was found to positively influence sustainable business growth. Novelty/Value:By relating behavioral characteristics to organizational outcomes and financial decision-making in the setting of an emerging economy, the study adds to the body of literature. Targeted financial education and behavioral interventions are necessary to improve financing results for MSEs, among other practical implications.
THE ROLE OF ENTREPRENEURSHIP IN REDUCING POVERTY THROUGH ISLAM PERSPECTIVE Anwar, Vebby; Hamid, Sofyan
Hasanuddin Economics and Business Review VOLUME 2 NUMBER 3, 2019
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v2i3.1546

Abstract

Entrepreneur is a stratetegical economic change agent for the Indonesian people in reducing poverty. By seeing that the majority of Indonesia's population is Muslim so it is very appropriate to implement an Islamic-based entrepreneurship system. Entrepreneur is a system in accordance with the teachings of Islam because it is highly recommended to seek riski or income. Islamic teachings view that work is a worship, so that entrepreneurs besides can lift income per capita, also can reduce poverty. In this library research emphasize the importance of entrepreneur applied in Islam because in view of Islam is aspect of life which is grouped into muamalah problem which closely related to relation between human with God which will be accounted later in akhirat. Business in the Qur'an is a human trade with God associated with spending his rescue to someone who can not afford. Successful behavior in Islam can not simply come, there are many values that need to be interpreted by Muslims as an entrepreneur. One of them, the orientation that becomes a good conception of self or others who become habit as way of life (way of life). Analysis of the success of an Islamic entrepreneur is to consider the variables of success and failure with internal and external factors based on Islamic teachings.
The Relationship Between Service Quality, Perception of Expediency with The Decision of Go-Ride Service Users in Makassar Ernawati, Ernawati; Maulani Muchtar, Andi; Anwar, Vebby; Norhaedah, Norhaedah
Return : Study of Management, Economic and Bussines Vol. 2 No. 4 (2023): Return : Study of Management, Economic And Bussines
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v2i04.84

Abstract

This study aims to analyze the relationship between service quality, perceived utility, and the choices made by go-ride service users in Makassar. The theories used in this study are the service decision theory developed by Kotler and Keller, Davis’s theory of perceived usefulness, and Kotler’s theory of service quality. 50 Makassar go-ride service users were given questionnaires as part of the quantitative study methodology. The Pearson product-moment correlation approach is the one employed for data analysis. The study finds findings that decisions about which services to employ are positively and significantly correlated with both service quality and perceived usefulness.
Analysis Of Promotion and Service Quality on Customer Satisfaction at The Center Of Hajj and Umrah Souvenirs Bin Daud Makassar Muliati, Muliati; Lutfi, Mochtar; Kasim, Hermawaty Remba; Anwar, Vebby; Putri, Dwi
Return : Study of Management, Economic and Bussines Vol. 2 No. 7 (2023): Return : Study of Management, Economic And Bussines
Publisher : PT. Publikasiku Academic Solution

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

Abstract

This study aims to analyze the effect of promotion on customer satisfaction, the effect of service quality on customer satisfaction, the influence of promotion and service quality simultaneously affect customer satisfaction, and analyze the magnitude of the influence of promotion and service quality on customer satisfaction at the Hajj and Umrah Bin Daud Souvenir Date Center in Makassar City. This type of research is quantitative with research for two months (January-February 2023). The sample in this study was 95 respondents taken using the slovin technique. The analytical methods used are instrument tests (validity and reliability tests), classical assumption tests (normalist tests, multicolonierity tests and heteroscedasticity tests), multiple linear regression tests, determination coefficient analysis and hypothesis testing (persial and simultaneous tests) with SPSS version 25 applications. The results showed that promotion has a positive and significant effect on customer satisfaction, service quality has a positive and significant effect on customer satisfaction, promotion and service quality simultaneously affect customer satisfaction, and promotion and service quality show an influence on customer satisfaction Hajj and Umrah Bin Daud Date Center in Makassar City.
PENGARUH KEBIJAKAN DAN REGULASI PEMERINTAH TERHADAP PEMBERDAYAAN EKONOMI PEREMPUAN MELALUI INKLUSI KEUANGAN Muliana, Sitti; Anwar, Vebby; Yusti suciati ardhana akhyar
Al-Buhuts Vol. 19 No. 2 (2023): Al- Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i2.4225

Abstract

Women's participation in economic activities is very important. The role of women has a broad impact not only on improving the family economy and the national economy, but also in creating jobs. Indonesia, in its G20 Presidency, through its program, W20 Sispreneur, is here to create an inclusive economy to empower womenpreneurs. This program is carried out by providing easy access to capital and digital transformation. Women's empowerment in the economic sector leads to a reduction in cases of violence which have often been caused by economic problems. This research aims to examine the influence of government policies and regulations through financial inclusion on the economic empowerment of women in creative industries specifically for women in South Sulawesi. This research is a type of quantitative research. To achieve the research objectives, explanatory analysis was used using structural equation modeling (SEM-PLS) analysis tools. This research used 126 samples. The research results show that increasing government regulations regarding women's economic empowerment, policies and incentives cause women's economic empowerment to increase. The results of the structural model analysis show that financial inclusion has a positive and significant effect on women's economic empowerment.