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PENGARUH LITERASI KEUANGAN, KETERTARIKAN UNTUK BERINVESTASI, PERSEPSI RISIKO, DAN KESADARAN BERINVESTASI TERHADAP KEPUTUSAN INVESTASI MASYARAKAT DI WILAYAH TIMUR INDONESIA Tannia, Tannia; Siratan, Elkunny Dovir; Jeffri, Jeffri; Elim, Rickel Arial Kaisar; Tutuhatunewa, Daniel Gilberth Filadelfia
GLORY Jurnal Ekonomi dan Ilmu Sosial Vol 4 No 6 (2023): GLORY Jurnal Ekonomi dan Ilmu Sosial
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/glory.v4i6.12454

Abstract

Pertumbuhan ekonomi di Indonesia mengalami penurunan akibat pandemi, namun pertumbuhan ekonomi di wilayah Timur Indonesia justru mengalami kenaikan. Kenaikan ini seiring dengan kenaikan jumlah investor dari masyarakat wilayah Timur Indonesia. Terdapat penambahan jumlah Single Invetor Identity (SID) pasar modal baru di daerah Papua pada rentang Januari sampai Mei 2021, yaitu sebanyak 8.247. Menurut Orisu (2018) investasi merupakan pembentukan modal yang mendukung pemerintah dalam melaksanakan peranannya memacu pertumbuhan ekonomi Indonesia. Investasi terjadi karena upaya mengejar ketertinggalan pembangunan wilayah, “capital push” dalam skala besar untuk mendorong pertumbuhan ekonomi lebih tinggi. Tujuan penelitian ini untuk mengetahui faktor yang mempengaruhi keputusan investasi masyarakat di wilayah Timur Indonesia. Dalam penelitian ini, diduga literasi keuangan, ketertarikan untuk berinvestasi, persepsi resiko, pendidikan, dan kesadaran berinvestasi mempengaruhi keputusan investasi masyarakat di wilayah Timur Indonesia. Metode penelitian yang dilakukan peneliti dimulai dari menyusun kuesioner, membagikan kuesioner kepada responden, dan mengolah data kuesioner tersebut untuk mendapatkan hasil dan melakukan analisis. Hasil penelitian ini adalah literasi keuangan dan ketertarikan berinvestasi tidak berpengaruh signifikan, sedangkan variabel persepsi resiko dan kesadaran investasi memiliki hasil berpengaruh signifikan. Penelitian ini juga menemukan hasil pengambilan keputusan investasi memiliki hubungan dengan variabel persepsi resiko dan kesadaran investasi yang berpengaruh dalam pengambilan investasi masyarakat di wilayah Timur Indonesia. Kata Kunci : Keputusan Investasi, Literasi Keuangan, Ekonomi
THE EFFECT OF FINANCIAL LITERATURE AND BIG FIVE PERSONALITY TRAIT ON INVESTMENT INTENTION ON MILLENIALS IN PANDEMIC ERA Wijaya, Andreas; Tannia, Tannia; Wonda, Vallent; Faujian, Ashifa Zulfa; Vebrin, Elisabeth
Proceedings of the International Conference on Entrepreneurship (IConEnt) Vol. 2 (2022): Proceedings of the 2nd International Conference on Entrepreneurship (IConEnt)
Publisher : Universitas Pelita Harapan

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

Abstract

The outbreak of the corona virus had made significant changes in VUCA era, where as volatility, uncertainty, complexity, and ambiguity hit harder economic, including financial sector. As the consequences of government policies to imposed lockdown, Stock market has declined drastically, on the other hand the number of investor increased compared to the previous years. This anomaly phenomenon shows there is another variable generates investment intention. Previous studies, the topic of financial management behavior studies still limited, especially on the psychological side of humans. This study revealed factors such as financial literacy and big personality traits from the point of view of men and women to reveal this phenomenon, using a questionnaire in data collection and a Likert scale, processing that carried out using the SMART PLS test tool. the result is that female respondents get a greater significance value than male respondents, it can be concluded that financial literacy is needed by women. For the moderating results in this study, it shows that men have a moderating influence while women do not have moderation. This study used 195 respondents, so that in the future it can increase the number of respondents to strengthen the research model. In addition, this research is still ongoing in the Jakarta area, so it can be a consideration for conducting further research such as adding respondents outside Jakarta.
The Key Determinants of Brand Loyalty in Indonesia's Cosmetics Market Anatasia, Velly; Tannia, Tannia; Robert, Alexander; Florencia, Livia Evangelina
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 1 (2025): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i1.4056

Abstract

The global annual spending on cosmetics is estimated to be around billions, with numerous industry players competing fiercely to expand their market share. Companies in the cosmetics sector aim to secure a leading position by fostering customer loyalty, which is closely linked to brand loyalty. As a result, brand loyalty becomes a crucial factor in achieving success in a highly competitive market. This study investigates the impact of brand loyalty on the purchasing behavior of female consumers in Jakarta, the capital city of Indonesia. The research focuses on seven aspects of brand loyalty: brand name, product quality, price, design, promotion, service quality, and store environment. This study utilizing descriptive analysis, factor loading, and multiple regression methods to tested its hypotheses. Data was collected through self-administered questionnaires distributed to 125 female respondents who regularly use cosmetics. The findings revealed a strong correlation between promotion and brand loyalty. Additionally, the results demonstrated a positive and significant relationship between the factors of brand loyalty (brand name, product quality, price, design, promotion, service quality, and store environment) and loyalty to cosmetic brands.
Service Quality and Perceived Value Toward Customer Satisfaction in E-Commerce Delivery: The Role of Trust Nursalim, Chika Putri; Tannia, Tannia; Robert, Alexander
International Journal of Applied Business and International Management Vol 10, No 1 (2025): April 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v10i1.3741

Abstract

The rise of online shopping has transformed consumer behavior, shifting from traditional face-to-face transactions to digital purchasing through e-commerce platforms. This development has encouraged e-commerce companies to enhance the customer experience, including logistics services. However, issues such as delivery delays or damaged goods remain common problems. This study aims to examine the influence of service quality and customer perceived value on customer satisfaction in e-commerce delivery services, with customer trust as a mediating variable. A quantitative causal research design was used, involving 205 respondents residing in Jakarta who had shopped online and used e-commerce delivery services. Data were collected through questionnaires using a Likert scale and analyzed using Structural Equation Modeling (SEM) with SmartPLS 4.0. The results indicate that service quality and customer perceived value significantly influence customer satisfaction. Customer trust also has a significant effect on satisfaction and serves as a full mediator between service quality and satisfaction, as well as between perceived value and satisfaction. These findings suggest that improving service responsiveness and delivery accuracy can enhance customer satisfaction through increased trust. E-commerce delivery providers are advised to focus on building trust by ensuring reliable and high-quality services.
Mengenali Teknik Pemecahan Masalah melalui Permainan Rantai Kertas - Studi Kasus Siswa Menengah Atas Anatasia, Velly; Tannia, Tannia; Susilo, Sophia Reni; Siratan, Elkunny Dovir; Florencia, Livia Evangelina
To Maega : Jurnal Pengabdian Masyarakat Vol 8, No 2 (2025): Juni 2025
Publisher : Universitas Andi Djemma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35914/tomaega.v8i2.3251

Abstract

Education plays a crucial role in every individual's life, providing opportunities to acquire knowledge, develop skills, and shape attitudes. One essential aspect of education is how students cultivate leadership skills and actively participate in organizations. However, students often face various challenges while carrying out organizational tasks, and a lack of problem-solving skills can hinder their effectiveness. To address this issue, a community service activity was conducted to provide creative problem-solving training for students involved in school organizations. This training aimed to equip students with both the mental resilience and practical skills needed to handle problems, whether anticipated or unexpected. A total of 29 students from SMK Tarakanita South Jakarta participated in this experiential learning program. The learning approach used in this program was experiential learning, which emphasizes learning through direct experience. Additionally, the Participatory Rural Appraisal (PRA) approach was integrated into the activities. The evaluation results demonstrated a statistically significant improvement in the student's knowledge and behavior after participating in the paper chain game activity. The findings suggest that important life skills including problem-solving skills can be effectively taught from a young age using experiential learning methods. This article also discusses the program’s design, outcomes, and challenges encountered during implementation.
Factors Influencing Bank Profitability: A Study of Indonesian Commercial Banks Meidi, Laurencia; Tannia, Tannia
Petra International Journal of Business Studies Vol. 8 No. 1 (2025): JUNE 2025
Publisher : Master of Management, School of Business and Management, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/petraijbs.8.1.88-97

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan to Deposit Ratio (LDR) on Return on Asset (ROA) at Go Public Commercial Banks listed on the Indonesia Stock Exchange during the period 2020 to 2023. The method employed in this research is a purposive sampling technique, utilizing secondary data from the official website of the Indonesia Stock Exchange (IDX) and a quantitative approach. This research was conducted by collecting all secondary data, such as financial data from each sample, to be processed and analyzed. Hypothesis testing uses panel data regression analysis using SPSS version 30. Based on the research findings, CAR and LDR have no significant effect on ROA, while NIM and NPL exhibit a substantial impact on ROA. Strong CAR does not always guarantee bank profitability, as high cost of funds can still burden operational performance. LDR does not affect ROA, as profitability depends more on credit quality than credit volume. Poor credit assessment increases risk, limiting LDR's impact. Higher NIM indicates greater interest income from productive assets, leading to increased bank profitability. A high NPL ratio indicates poor credit quality and potential operational losses, which in turn lowers the return on assets (ROA). Therefore, maintaining a low NPL is essential.
FACTORS AFFECTING THE STOCK PRICES OF MANUFACTURING COMPANIES LISTED ON THE LQ45 INDEX OF THE INDONESIA STOCK EXCHANGE FOR THE PERIOD 2019 – 2023 Salim, Steven Jonathan; Tannia, Tannia
International Journal of Application on Economics and Business Vol. 3 No. 2 (2025): May 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i2.547-562

Abstract

Thistresearchtaimsttotprovidetempiricaltevidencetregarding the impact of debtttotequity ratiot (DER), net profittmargint (NPM), returntontassets (ROA), returntontequity (ROE), current ratio (CR), andtprice earning ratio (PER) variables on the stocktprices of manufacturing companiestlisted on the LQ45 index in the IndonesiatStock Exchangetfor the period of 2019-2023. This researchtuses secondary data with a quantitative approach and Purposive Sampling applied as the sampling method. Thetsample usedtintthis research are 14 manufacturing companiestin the LQ45 index category of the Indonesian StocktExchange (IDX) in thet2019-2023 period. This research has been tested with the SPSS 27 statistical testing tool totprove thethypothesis proposal. The resultstof the analysistshow thattthe researchtvariable simultaneously has atsignificant effectton stock prices and the partialttest results show that the Debttto EquitytRatio, NettProfittMargin, Return ontAssets, Return ontEquity, and the Current Ratio have a significant effectton stock prices. Meanwhile the Price Earning Ratio has notsignificant effectton stock pricestin manufacturing companiestin the LQ45 Index category of the Indonesiantstock exchangetfor the period 2019 - 2023.
THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND FINANCIAL ATTITUDE ON FINANCIAL INCLUSION IN JAKARTA Hendra, Martin; Tannia, Tannia
International Journal of Application on Economics and Business Vol. 3 No. 2 (2025): May 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i2.584-595

Abstract

The purpose of this study is to ascertain and examine how financial technology, financial attitude, and financial literacy affect financial inclusion in Jakarta. Using a quantitative methodology and primary data, this study employs a questionnaire as its instrument and a Likert scale as its measuring tool. This study employs one dependent variable, financial inclusion, and three independent variables: financial literacy, financial technology, and financial attitude. The study's population consisted of all the people of Jakarta between the ages of 18 and 25. Purposive sampling and the hairs approach are used in this sample procedure. The hypothesis test, a validity test, and a reliability test are the data analysis methods employed. The data is then processed using SmartPLS.
PENGARUH INFLASI, SUKU BUNGA BI DAN KURS RUPIAH TERHADAP PERGERAKAN IHSG DI BURSA EFEK INDONESIA PERIODE 2019 -2024 Gunawan, Celvine Hendra; Tannia, Tannia; Yenli Megawati
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol. 9 No. 1 (2025): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v9i1.33949

Abstract

Pasar modal sering dianggap sebagai cerminan utama perekonomian suatu negara. Namun, apakah semua faktor yang memengaruhi pergerakannya sudah benar-benar dipahami? Inflasi yang tinggi, suku bunga yang fluktuatif, dan nilai tukar Rupiah yang melemah sering kali disalahkan atas ketidakstabilan pasar saham, termasuk di Indonesia. Namun, pengaruh masing-masing faktor ini terhadap Indeks Harga Saham Gabungan (IHSG) masih menjadi perdebatan di kalangan akademisi dan praktisi. Penelitian ini bertujuan untuk menganalisis hubungan antara inflasi, suku bunga BI, dan kurs Rupiah terhadap IHSG selama periode 2019–2024. Dengan menggunakan metode regresi linier berganda dan analisis data melalui SPSS, penelitian ini menemukan bahwa inflasi tidak memiliki pengaruh signifikan terhadap IHSG. Sebaliknya, suku bunga BI memberikan pengaruh positif yang signifikan, sementara pelemahan kurs Rupiah terbukti menekan IHSG karena meningkatnya biaya impor perusahaan. Secara simultan, ketiga variabel ini hanya menjelaskan 35,7% variasi IHSG, menunjukkan adanya faktor lain yang juga memengaruhi pergerakan pasar saham. Temuan ini memberikan wawasan penting bagi investor dan pembuat kebijakan untuk memahami lebih dalam hubungan antara variabel makroekonomi dan pasar modal Indonesia. Dengan demikian, penelitian ini diharapkan dapat menjadi referensi dalam pengambilan keputusan strategis di tengah ketidakpastian ekonomi global.   The stock market is often considered a primary reflection of a country's economy. However, are all factors influencing its movements truly understood? High inflation, fluctuating interest rates, and a weakening Rupiah exchange rate are often blamed for stock market instability, including in Indonesia. Yet, the extent of each factor's influence on the Jakarta Composite Index (IHSG) remains a topic of debate among academics and practitioners. This study aims to analyze the relationship between inflation, Bank Indonesia's interest rates (BI Rate), and the Rupiah exchange rate on IHSG during the 2019–2024 period. Using multiple linear regression and data analysis through SPSS, the study finds that inflation does not significantly affect IHSG. Conversely, BI Rate has a significant positive impact, while the weakening Rupiah negatively affects IHSG by increasing companies' import costs. Simultaneously, these three variables collectively explain only 35.7% of IHSG's variations, indicating other factors also contribute to stock market movements. These findings provide essential insights for investors and policymakers to better understand the relationship between macroeconomic variables and Indonesia's stock market. Thus, this study is expected to serve as a reference for strategic decision-making amidst global economic uncertainty.