Garuda - Garba Rujukan Digital

Peningkatan Literasi Keuangan Bagi Buruh Migran Indonesia di Singapura, Hongkong, dan Roma Marlina, Maria Asumpta Evi; Ismawati, Anastasia Filiana; Laturette, Kazia; Santoso, Eko Budi; Septina, Fanny; Widianingsih, Luky Patricia; Junianto, Yopy; Radianto, Wirawan Endro Dwi
Jurnal Leverage, Engagement, Empowerment of Community (LeECOM) Vol. 3 No. 2 (2021): Jurnal Leverage, Engagement, Empowerment of Community (LeECOM)
Publisher : Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/leecom.v3i2.2368

Program peningkatan literasi keuangan bagi buruh migran Indonesia di Singapura, Hongkong, dan Roma diikuti oleh tujuh puluh lima peserta. Dari tujuh puluh lima perserta tersebut hanya ada satu pekerja migran laki-laki. Permasalah dalam literasi keuangan yang dialami para buruh migran tersebut antara lain kesulitan mengelola keuangan dan kesulitan membuat anggaran untuk bisnisnya. Uang yang mereka kirim ke sanak saudara di Indonesia untuk mengembangkan bisnis justru habis karena para buruh migran tersebut kurang paham tentang pengelolaan keuangan. Tujuan program tersebut adalah untuk memberikan tambahan wawasan tentang literasi keuangan dan memberikan konsultasi dalam bidang keuangan untuk pengembangan bisnis mereka yang dijalankan di Indonesia. Program pelatihan tersebut terdiri dari empat tahapan, yaitu observasi, persiapan, pelatihan, dan evaluasi. Kegiatan tersebut dilakukan berkat kerjasama antara Program Studi Akuntansi Universitas Ciputra, Universitas Ciputra Media Transformation Ministry, dan Development Singapore. Setelah mengikuti pelatihan tersebut, peserta dapat membuat penganggaran bagi bisnis mereka.

Effects of Financial Literacy and Financial Management Teaching on Financial Behavior (Student Study of Hotel & Tourism Business Study Program) Siska Septian Andriyani; Lexi Pranata Budidharmanto; Yopy Junianto
Primanomics : Jurnal Ekonomi & Bisnis Vol 20 No 2 (2022): Jurnal Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v20i2.1180

Financial literacy is an important factor in improving people's economic welfare. When a person's financial literacy is high, it is certain that the quality of life and welfare will also increase. This can happen because of the higher one's financial literacy, the better one's financial behavior. Students are the driving force of the nation's economy because students have the largest population, character, and literacy level. However, students are also faced with various very complex financial problems because some students still do not have their own source of income while the level of student needs is high. For this reason, students need to gain more knowledge about financial literacy through financial management learning models in their courses. This was done by the Hotel & Tourism Business study program at Ciputra University, Surabaya batch 2019 and 2020. However, in the process, it is necessary to evaluate the effectiveness of whether teaching changes the financial behavior of students. We used linear regression analysis to process the data in this study. Based on the description above, this study aims to find the effect of financial literacy on financial behavior with financial management teaching as a moderation. The results of this study indicate that there are significant differences in perceptions related to financial behavior between someone who has high and low financial literacy, while the teaching of financial management has a positive effect in moderating the relationship between financial literacy and financial behavior but is not significant.

Financial Literacy Effect and Fintech in Investment Decision Making Yopy Junianto; Cliff Kohardinata; Diana Silaswara
Primanomics : Jurnal Ekonomi & Bisnis Vol 18 No 3 (2020): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v18i3.472

Indonesia is a country that has a fairly good level of investment from year to year, based on KSEI 2020 data. This indicates that Indonesia's business opportunities are quite promising. This increase in investment was also followed by technological developments in the financial sector as we know fintech. The results of this fintech product have been widely used by many groups, especially for investment activities. This is one of the driving points for increasing investment in Indonesia. In general, investments are usually made by people who have sufficient literacy skills. Because various experiences state that someone who has good financial literacy will be able to make good decisions in terms of finances that have both short and long term impacts. However, the current condition has a different pattern where even without financial literacy the cloud community is currently able to invest even if they only get a little information. This research was conducted to see and explain the phenomena that occurred and provide confirmation that the shift in perspective patterns occurred. The result of the research states that financial literacy does not influence a person in making decisions, while fintech is a factor that influences someone in making investment decisions.

Pengaruh Literasi Teknologi Informasi dan Komunikasi (TIK) terhadap Pinjaman P2P di Indonesia Cliff Kohardinata; Yopy Junianto; Luky Patricia Widianingsih; Jevan Andreas Talahaturusun
Jurnal Pendidikan Tambusai Vol. 7 No. 1 (2023): April 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (0.036 KB)

Penelitian ini bertujuan untuk memperoleh hasil pengujian secara empiris mengenai pengaruh literasi TIK terhadap pinjaman peer-to-peer (P2P) di Indonesia. Pengujian yang dilakukan pada penelitian ini menggunakan pendekatan regresi linier berganda dengan menggunakan data bulanan dari periode Januari hingga Juli 2022 pada 33 provinsi di Indonesia, penelitian ini tidak melibatkan provinsi Kalimantan Utara yang disebabkan karena keterbatasan data yang tersedia. Hasil pengujian menunjukkan bahwa literasi TIK (Digital) berpengaruh signifikan positif terhadap pinjaman P2P, dan variabel kontrol kredit perbankan berpengaruh signifikan positif terhadap pinjaman P2P. Hasil penelitian ini menunjukkan pentingnya literasi TIK atau digital untuk dapat memperluas produk-produk berbasis Financial Technology (FinTech).

THE EFFECT OF TAX KNOWLEDGE AND TAX SANCTIONS ON TAXPAYER COMPLIANCE OF PERSONAL ENTREPRENEURS IN THE STATIONERY SECTOR Michele Sudiarto; Yopy Junianto
JOURNAL OF ACCOUNTING, ENTREPRENEURSHIP AND FINANCIAL TECHNOLOGY (JAEF) Vol. 4 No. 2 (2023): Journal of Accounting, Entrepreneurship, and Financial Technology (JAEF)
Publisher : Accounting Study Program, Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37715/jaef.v4i2.3840

Tax is one of the national incomes owned by Indonesia. Tax will later be used to build and develop the existing infrastructure in Indonesia. Tax is an obligation for citizens who are registered as individual taxpayers. One way to be a good citizen is to pay taxes on time. However, there are still many taxpayers who have not complied with their tax obligations. There are several factors that affect the compliance of individual taxpayers, such as knowledge of taxation and tax sanctions. The purpose of this study is to determine the effect of knowledge of taxation and tax sanctions on individual taxpayer compliance among stationery entrepreneurs. The population in this study are stationery entrepreneurs on the island of Java. The sample taken is 50 respondents through a questionnaire. The research method used is multiple linear regression. The results of the study indicate that tax knowledge does not affect taxpayer compliance, while tax sanctions affect taxpayer compliance.

The Effect of Intellectual Capital on Financial Performance Before and During The COVID-19 Pandemic Caroline Oktavia Gunawan; Kazia Laturette; Yopy Junianto
Inovbiz: Jurnal Inovasi Bisnis Vol 11, No 1 (2023)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v11i1.3292

This study aims to examine the effect of intellectual capital on the financial performance of manufacturing companies in the consumer goods sector before and during the Covid-19 period being listed on the Indonesia Stock Exchange (IDX) for the 2018-2021 period. Sampling was carried out using the purposive sampling method, there were 51 companies that met the criteria, and the number of samples in the study before and during the Covid-19 period was 196 data. This study uses multiple linear regression analysis. The results showed that human capital efficiency before and during Covid-19 had a significant positive effect on financial performance, structural capital efficiency before and during Covid-19 had no effect on financial performance, and capital employed efficiency before Covid-19 had a significant effect. significantly negative and during the Covid-19 period had a significant positive effect on the financial performance of manufacturing companies in the consumer goods sector listed on the IDX for the 2018-2021 period.

Pengaruh Profitabilitas, Leverage & Likuiditas terhadap Penghindaran Pajak Elizabeth Rindu; Yopy Junianto
Jurnal Neraca: Jurnal Pendidikan dan Ilmu Ekonomi Akuntansi Vol. 7 No. 2 (2023): Jurnal Neraca: Jurnal Pendidikan dan Ilmu Ekonomi Akuntansi
Publisher : Program Study of Accounting Education FKIP University of PGRI Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31851/neraca.v7i2.13352

Studi ini bertujuan untuk mengetahui pengaruh Profitabilitas, Leverage, dan Likuiditas terhadap Penghindaran Pajak. Studi populasi ini terdiri dari perusahaan industri manufaktur sektor aneka industri yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2018-2021 sebanyak 52 perusahaan dan sampel yang digunakan sebanyak 35 perusahaan serta dipilih melalui metode purposive sampling. Penelitian ini merupakan penelitian kuantitatif dengan menguji hipotesis. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa profitabilitas berpengaruh negatif terhadap penghindaran pajak, leverage berpengaruh positif terhadap penghindaran pajak, dan likuiditas tidak berpengaruh terhadap penghindaran pajak

The Effect of Intellectual Capital on Financial Performance Before and During The COVID-19 Pandemic Caroline Oktavia Gunawan; Kazia Laturette; Yopy Junianto
Inovbiz: Jurnal Inovasi Bisnis Vol 11, No 1 (2023)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v11i1.3292

This study aims to examine the effect of intellectual capital on the financial performance of manufacturing companies in the consumer goods sector before and during the Covid-19 period being listed on the Indonesia Stock Exchange (IDX) for the 2018-2021 period. Sampling was carried out using the purposive sampling method, there were 51 companies that met the criteria, and the number of samples in the study before and during the Covid-19 period was 196 data. This study uses multiple linear regression analysis. The results showed that human capital efficiency before and during Covid-19 had a significant positive effect on financial performance, structural capital efficiency before and during Covid-19 had no effect on financial performance, and capital employed efficiency before Covid-19 had a significant effect. significantly negative and during the Covid-19 period had a significant positive effect on the financial performance of manufacturing companies in the consumer goods sector listed on the IDX for the 2018-2021 period.

Self-Control Factor Analysis, Financial Anxiety, and Financial Stress on Financial Satisfaction as an Indication Financial Sustainability Junianto, Yopy; Radianto, Wirawan Endro Dwi
Journal of Accounting, Business and Management (JABM) Vol 31 No 1 (2024): April
Publisher : STIE Malangkucecwara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31966/jabminternational.v31i1.964

Abstract: The focus of this research is to find out the factors that can increase financial satisfaction.Financial literacy is very important for economic growth. One aspect of financial literacy that can increase economic growth is financial satisfaction . Low levels of financial satisfaction negatively impact a person's current and future financial adequacy. This research was conducted during the COVID-19 pandemic where people experienced financial anxiety, financial stress, financial self-control. This study used these factors as predictors and the test results in this study explain that there is a significant effect association between self-control with financial satisfaction, then financial stress and financial anxiety with financial stress and financial satisfaction. These influencing factors can be aspects of further development to increase sustainable economic growth. Keywords: Self Control, Financial Anxiety, Financial satisfaction, Financial Stress

Hedonic Browsing Behaviour and Its Impact on Impulsive Buying Among Generation Z Vidyanata, Deandra; Junianto, Yopy; Setiobudi, Auditia
Primanomics : Jurnal Ekonomi & Bisnis Vol. 22 No. 2 (2024): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v22i2.2692

This research investigates the changing dynamics of digital consumer behavior, specifically examining how Generation Z's participation in hedonic browsing activities influences their tendency towards impulsive online purchasing. This study employs a purposive sampling method, targeting Generation Z individuals who have recently made online purchases. A total of 195 respondents were surveyed, using a structured questionnaire to assess their hedonic browsing behavior, positive emotional responses, and tendencies towards impulsive buying. The findings reveal a strong statistical significance in the relationship between hedonic browsing behavior and impulsive buying behavior. Hedonic behavior, characterized by leisurely and pleasure-seeking online activities, significantly increases the likelihood of impulsive purchases. Furthermore, the study highlights the crucial mediating role of positive emotions in this relationship, indicating that the emotional states elicited by hedonic activities directly influence spontaneous buying decisions.

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