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All Journal Jurnal Ekonomi Bisnis Dan Industri (EBI) J-LEE - Journal of Law, English, and Economics
Sari, Kartika Dwi Chandra
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH LITERASI KEUANGAN, LOCUS OF CONTROL, DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN PRIBADI PADA GENERASI Z DI KABUPATEN BANYUMAS Ramadhani, Kartika; Putri, Puspita Lianti; Sari, Kartika Dwi Chandra
Jurnal EBI Vol 5, No 2 (2023): Jurnal Ekonomi Bisnis dan Industri
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52061/ebi.v5i2.177

Abstract

Managing finances in the industrial era 4.0 is an important activity that must be carried out by individuals. Achieving prosperity is highly dependent on the ability to manage finances. The purpose of this study was to determine the effect of financial literacy, locus of control, and lifestyle on personal financial management in generation Z in Banyumas Regency. The data source is primary data by distributing google form questionnaires. The research method uses an explanatory type quantitative approach. The sampling technique used was purposive sampling and obtained 165 generation Z in Banyumas Regency with data analysis using multiple linear regression analysis. The results of partial and simultaneous statistical testing show a positive effect of financial literacy, locus of control, and lifestyle on personal financial managementKeywords: Financial Literacy, Locus of Control, Lifestyle, Personal Financial Management, Generation Z
A COMPETITIVE ADVANTAGE REVIEWED BY MARKET ORIENTATION, PRODUCT INNOVATION AND INNOVATIVE WORK BEHAVIOR IN SMEs TOWARDED RUMAH BUMN PURWOKERTO Sari, Kartika Dwi Chandra; Putri, Puspita Lianti
J-LEE - Journal of Law, English, and Economics Vol. 4 No. 2 (2022): DESEMBER
Publisher : LPPM Universitas Harapan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35960/j-lee.v4i02.1021

Abstract

The needs of Micro, Small and Medium Enterprises (MSMEs) in developing competitive advantage will determine the sustainability of a business. One important thing that needs to be considered by MSMEs is the competitive advantage that each business has. Excellence is the result of the implementation of value creation that is not capable of being created by the efforts of potential competitors. The need for MSMEs in creating competitive advantage can be seen through market orientation, product innovation, and innovative work behavior. The research population was all SMEs assisted by Rumah BUMN Purwokerto with a sample of 54 business units. The study uses the Multiple Regression Hypothesis Test accompanied by classical assumption tests and instrument tests. For MSME actors assisted by Rumah BUMN Purwokerto, it was found that product innovation, market orientation and innovative work behavior have a positive effect on competitive advantage.
Faktor Internal yang Mempengaruhi Profitabilitas pada Perusahaan Perbankan Sebelum dan Sesudah Penerapan Regulasi Financial Technology (Studi Kasus Pada Perusahaan Perbankan BUMN Tahun 2012-2021) Okviana, Adista; Yuttama, Faizal Rizky; Sari, Kartika Dwi Chandra
J-LEE - Journal of Law, English, and Economics Vol. 5 No. 2 (2023): DESEMBER
Publisher : LPPM Universitas Harapan Bangsa

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

Abstract

Penelitian ini bertujuan untuk mengetahui faktor internal yang mempengaruhi profitabilitas sebelum dan sesudah penerapan regulasi fintech. Metode yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif dengan menggunakan jenis data sekunder. Teknik pengambilan sampel dalam penelitian ini menggunakan purposive sampling dimana mendapat hasil yaitu 40 sampel penelitian, sampel tersebut terdiri dari seluruh perbankan BUMN dari periode tahun 2012-2021. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis statistik deskriptif, analisis asumsi klasik, analisis regresi linear berganda, dan uji hipotesis. Hasil penelitian secara parsial menunjukan bahwa variabel ukuran perusahaan, dan rasio likuiditas berpengaruh positif dan signifikan terhadap profitabilitas, serta rasio modal dan efisiensi operasi berpengaruh negatif dan signifikan terhadap profitabilitas pada perbankan BUMN sebelum dan sesudah penerapan regulasi fintech. Secara simultan menunjukan bahwa variabel ukuran perusahaan, rasio modal, rasio likuiditas, dan efisiensi operasi berpengaruh positif dan signifikan terhadap profitabilitas pada perbankan BUMN sebelum dan sesudah penerapan regulasi fintech.
Co-Authors Faizal Rizky Yuttama Okviana, Adista Putri, Puspita Lianti Ramadhani, Kartika