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All Journal Study of Scientific and Behavioral Management (SSBM)
Mutmainna, Dian
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Decision Sciences, Operations Research & Management

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Pengetahuan Keuangan, Sikap Keuangan dan Perilaku Keuangan Kelompok Wirausaha Hasil Laut di Pulau Barrang Lompo sijal, mutakallim; Awaluddin, Murtiadi; Alifurahman, Alifurahman; Mutmainna, Dian
Study of Scientific and Behavioral Management Vol 4 No 2 (2023): Literasi Keuangan 2023
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i2.38994

Abstract

The purpose of this study was to determine the implications of financial behavior and financial knowledge on the financial attitude of the marine product entrepreneur group on Barrang Lompo Island. This research uses a type of quantitative research using a direct survey process of the community by distributing a number of statements. In this study, the data collection method used was simple random sampling. Based on the results of the f test, it states that the calculated F-value is 33.211 > the F-table value of 3.098 and also has a significant value of 0.000 <0.05, so it can be concluded that financial knowledge and financial attitude variables influence simultaneously or together to financial behavior variables. This means that the higher the financial knowledge and financial attitudes one has, the more effective and wise a person will be in the process of implementing financial aspects, one of which is basic knowledge of finance including saving decisions, income, spending arrangements, debt and other risks. And vice versa, a person will have bad or ineffective financial behavior if he has a lower level of financial knowledge. Someone with a good financial attitude will tend to be wiser in the process of making decisions about their financial behavior. Conversely, someone who has bad financial behavior means that the individual has a bad financial attitude too. Keywords: Financial Behavior, Financial Knowledge and Financial Attitude
ANGGARAN BIAYA OPERASIONAL SEBAGAI PENGENDALI KINERJA KEUANGAN PT. PEGADAIAN SYARIAH Mutmainna, Dian; Awaluddin, Murtiadi; Sijal, Mutakallim; Rahma, Nur
Study of Scientific and Behavioral Management Vol 7 No 1 (2026): Rekonstruksi Strategi SDM dalam Menghadapi Perubahan Global
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

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Abstract

ABSTRAK Dalam kegiatan penyediaan produk jasa, PT. Pegadaian Syariah dikenakan biaya operasional karena dalam setiap kegiatannya terdapat biaya tertentu yang diperlukan untuk menjalankan operasinya. Penelitian ini bertujuan untuk mengetahui pengaruh biaya operasional terhadap Return On Assets (ROA) sebagai indikator kinerja keuangan PT. Pegadaian Syariah dan untuk mengetahui peran pengendalian manajemen yang digunakan oleh PT. Pegadaian Syariah dalam mengoptimalkan kinerja keuangan. Jenis penelitian yang digunakan adalah penelitian kuantitatif. Sampel dalam penelitian ini adalah laporan keuangan triwulanan PT. Pegadaian Syariah. Dalam penelitian ini, data yang digunakan adalah laporan keuangan yang dipublikasikan oleh PT. Pegadaian Syariah menggunakan metode analisis regresi sederhana yang diolah menggunakan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa biaya operasional memiliki pengaruh positif dan signifikan terhadap Return On Assets (ROA) sebagai indikator kinerja keuangan PT. Pegadaian Syariah dan pengendalian manajemen yang digunakan oleh PT. Pegadaian Syariah dapat mengoptimalkan kinerja keuangan. Kata kunci: Biaya operasional; pengendalian manajemen; kinerja keuangan
Co-Authors Alifurahman, Alifurahman Murtiadi Awaluddin Rahma, Nur Sijal, Mutakallim