Claim Missing Document
Check
Articles

Found 3 Documents
Search

FINANCIAL FITNESS: A GUIDE TO BOOSTING YOUR MONEY MANAGEMENT SKILLS: FINANCIAL FITNESS: A GUIDE TO BOOSTING YOUR MONEY MANAGEMENT SKILLS Supeno, Bambang; Jamil, Poppy Camenia; yulyanti, Sinta
PENANOMICS: International Journal of Economics Vol. 3 No. 1 (2024): April
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penanomics.v3i1.171

Abstract

This research investigates the relationships between financial literacy, budgeting practices, financial behavior, and money management skills among individuals at BCA KCU Bandung. Using quantitative methods and path analysis, the study examines direct and indirect effects to uncover how these variables interact. The findings highlight significant direct relationships, such as the impact of effective budgeting on financial behavior and money management skills. Indirectly, financial literacy and budgeting practices contribute to improved money management skills through fostering responsible financial behaviors. These insights underscore the importance of promoting financial education and practical budgeting strategies to empower individuals in making informed financial decisions and enhancing their financial well-being. This study contributes to the field by offering actionable insights for financial education initiatives aimed at fostering financial stability and competence among diverse populations.
The Impact of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on the Profitability of Conventional Commercial Banks Listed on the Indonesia Stock Exchange Yulyanti, Sinta; Jamil, Poppy Camenia; Habillah, Janatri; Abdullah, Siti Intan Nurdiana Wong
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 5 No. 2 (2024): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

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

Abstract

This study examines the effect of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on Return on Assets (ROA) in the banking sector on the Indonesia Stock Exchange over a period of 10 years, from 2011 to 2020. The analysis uses panel data from 14 conventional commercial banks listed on the IDX, with a total of 138 observations spanning from 2011 to 2021. Static panel data regression is employed for the analysis. The results indicate that the NPL variable has a significant negative effect on ROA, with a probability value of 0.0002, which is smaller than the 5% significance level. The coefficient of -0.253098 suggests that a 1% increase in NPL leads to a 0.253098% decrease in ROA. This finding implies that higher levels of non-performing loans negatively impact bank profitability by slowing down bank operations. In extreme cases, increased bad debts could reduce a bank's ability to guarantee public funds, potentially leading to systemic risk.
Marketing Digital Untuk Generasi Muda: Mendorong UMKM Dan Ekonomi Kreatif di MTs Al-Mujahidin, Kampar, Riau Sundari, Eva; Jamil, Poppy Camenia; Yulyanti, Sinta; Afwa, Awliya; Hanafi, Imam
Community Engagement and Emergence Journal (CEEJ) Vol. 5 No. 3 (2024): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v5i3.6449

Abstract

Kegiatan ini merupakan sosialisasi literasi mengenai penerapan marketing digital untuk meningkatkan pemberdayaan generasi muda dalam Usaha Mikro, Kecil, dan Menengah (UMKM) serta ekonomi kreatif di MTs Al-Mujahidin, Kampar, Riau. Dengan pesatnya kemajuan teknologi digital, generasi muda dapat memanfaatkan platform digital untuk mempromosikan produk dan layanan mereka. Analisis ini mencakup metode pemasaran digital yang efektif, seperti penggunaan media sosial, konten kreatif, dan strategi e-commerce. Temuan menunjukkan bahwa penguasaan keterampilan pemasaran digital berkontribusi terhadap peningkatan kapasitas wirausaha dan penciptaan lapangan kerja baru, yang berdampak positif pada perekonomian lokal. Melalui pelatihan dan dukungan yang tepat, generasi muda dapat menjadi penggerak utama dalam meningkatkan daya saing UMKM di era digital.