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All Journal Nominal: Barometer Riset Akuntansi dan Manajemen GUIDENA: Jurnal Ilmu Pendidikan, Psikologi, Bimbingan dan Konseling
Utami, Dian Ratri
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Economics, Econometrics & Finance Education Social Sciences

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Peran Optimisme dalam Memediasi Pengaruh Pendidikan Kewirausahaan terhadap Grit pada Mahasiswa yang Mengikuti Program Wirausaha Utami, Dian Ratri; Iftayani, Itsna; Setiawan, Budi
GUIDENA: Jurnal Ilmu Pendidikan, Psikologi, Bimbingan dan Konseling Vol 15, No 2 (2025)
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/gdn.v15i2.12341

Abstract

The low interest of college graduates in entrepreneurship is a challenge in itself. One of the factors that influences student resilience in entrepreneurship is grit, namely perseverance and consistency in achieving long-term goals. The purpose of this study was to determine whether optimism is a mediator of the influence of entrepreneurship education on grit. This study uses a quantitative approach with a mediation analysis design. The subjects of the study were students who participated in the Student Entrepreneurship Development Program (P2MW) at Muhammadiyah and Aisyiyah Colleges (PTMA) in Former Kedu Residency Area in 2022–2024, with a sample size of 68 respondents. The results showed that entrepreneurship education had a direct and significant effect on student grit (p = 0.012). Optimism acts as a partial mediator in the relationship between entrepreneurship education and grit (p = 0.040), which means that optimism strengthens the influence of entrepreneurship education on grit, but is not the only determining factor. This study contributes to university policies in assisting student entrepreneurship development programs.
PENGARUH PEMBIAYAAN BAGI HASIL DAN TINGKAT KESEHATAN BANK TERHADAP KINERJA KEUANGAN DENGAN PEMBIAYAAN BERMASALAH SEBAGAI VARIABEL PEMODERASI Utami, Dian Ratri; Utami, Tri
Nominal: Barometer Riset Akuntansi dan Manajemen Vol. 10 No. 2 (2021): Nominal September 2021
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/nominal.v10i2.30282

Abstract

Abstrak: Pengaruh Pembiayaan Bagi Hasil Dan Tingkat Kesehatan Bank Terhadap Kinerja Keuangan Dengan Pembiayaan Bermasalah Sebagai Variabel Pemoderasi Penelitian ini bertujuan untuk mengetahui pengaruh dari variabel independent yaitu pembiayaan bagi hasil dan tingkat kesehatan bank terhadap kinerja keuangan dengan pembiayaan bermasalah sebagai variabel pemoderasi. Populasi yang menjadi obyek dalam penelitian ini adalah Bank Umum Syariah di Indonesia sebanyak 14 Bank yang terdaftar dalam Bank Indonesia. Pengumpulan data dengan metode purposive sampling. Sampel yang digunakan adalah 11 Bank Umum Syariah yang memiliki data sesuai dengan variabel yang dibutuhkan. Metode analisis data yang digunakan yaitu Moderated Regression Analysis (MRA). Penelitian ini menunjukan 1) Pembiayaan bagi hasil tidak memiliki pengaruh tehadap kinerja keuangan (ROA). 2) Tingkat kesehatan bank memiliki pengaruh positif signifikan pada profitabilitas kinerja keuangan perusahaan. 3) Pembiayaan bermasalah (NPF) secara simultan tidak berhasil memperkuat pengaruh pembiayaan bagi hasil terhadap kinerja keuangan. 4) Pembiayaan bermasalah (NPF) secara simultan juga tidak dapat memperkuat pengaruh tingkat kesehatan bank terhadap kinerja keuangan.Kata kunci: Pembiayaan Bagi Hasil, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Retun On Asset (ROA)Abstract: Effect of Profit Sharing Financing and Bank Health Level on Financial Performance with Problem Financing as Moderating Variables. This study aims to determine the effect of the independent variable, profit sharing financing and bank soundness on financial performance with problem financing as a moderating variable. The population that is the object of this study is 14 Sharia Commercial Banks in Indonesia, which are registered with Bank Indonesia. Data collection using purposive sampling method. The sample used was 11 Islamic Commercial Banks that have data in accordance with the required variables. The data analysis method used is Moderated Regression Analysis (MRA). This study shows 1) Profit sharing financing has no influence on financial performance (ROA). 2) The level of soundness of a bank has a significant positive effect on the profitability of a company's financial performance. 3) Simultaneous financing (NPF) does not succeed in strengthening the effect of profit sharing financing on financial performance. 4) Simultaneous financing (NPF) also cannot strengthen the effect of bank soundness on financial performance.Keywords: Profit Sharing Financing, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Retun On Asset (ROA)
Co-Authors Budi Setiawan Itsna Iftayani, Itsna Tri Utami