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All Journal Jurnal Riset Bisnis dan Manajemen MANNERS Management and Entrepreneurship Journal International Journal of Business, Law, and Education West Science Interdisciplinary Studies West Science Interdisciplinary Studies Journal of Business, Accounting and Finance Journal of Bussines Management Basic SINTESA
Hidayat, Gustina
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Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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The Effect of Cash Management and Credit Policy on Liquidity and Profitability of MSMEs in Bandung City Hidayat, Gustina; Kartiwa, AA; Putro, Herman Purwoko
West Science Interdisciplinary Studies Vol. 2 No. 08 (2024): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v2i08.1237

Abstract

This study examines the impact of Cash Management and Credit Policy on the Liquidity and Profitability of Micro, Small, and Medium Enterprises (MSMEs) in Bandung City. Utilizing a quantitative research approach, data were collected from 210 MSMEs through structured questionnaires employing a Likert scale ranging from 1 to 5. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS 3). The results reveal that both Cash Management and Credit Policy have significant positive effects on the Liquidity and Profitability of MSMEs. Specifically, effective Cash Management enhances a firm’s ability to meet short-term obligations, thereby improving Liquidity, while robust Credit Policy practices directly contribute to both Liquidity and Profitability by ensuring timely collections and minimizing the risk of bad debts. These findings underscore the critical role of strategic financial management in sustaining the financial health and growth of MSMEs in Bandung City.
ANALISIS KEMAMPUAN LITERASI KEUANGAN PADA UMKM DI KECAMATAN CIMALAKA Hidayat, Gustina
Management and Entrepreneurship Journal Vol 7 No 1 (2024): Maret
Publisher : Universitas Nurtanio Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56244/manners.v7i1.777

Abstract

ABSTRAKPengelolaan keuangan menjadi salah satu masalah utama dalam UMKM, karena apabilapengelolaan keuangan dalam UMKM tidak berjalan dengan baik, maka akan menghambat kinerjadan akses untuk mendapatkan pembiayaan menjadi sulit. Literasi keuangan bagi UMKM,tidak hanya terkait dengan keuangan, tetapi juga bagaimana UMKM dapat mengelolaatau mengatur keuangan. Sampel penelitian ini, diambil dari pelaku UMKM di DusunPasanggrahan Lebak. Hal tersebut dikarenakan penggunaan jenis pengambilan sampel yang jenuh.Hasil penelitian ini menunjukan komponen financial knowledge yaitu sebesar 60%, sehingga dapatdikatakan baik Sedangkan pada komponen financial behavior yaitu sebesar 10% dan financialattitude sebesar 30%, sehingga kedua komponen tersebut perlu ditingkatkan. Penerapan strategiyang tepat perlu diterapkan dalam meningkatkan literasi keuangan para pelaku UMKM di dusunPasanggarahan Cimalaka, sehingga literasi mereka dapat meningkat sampai masuk kedalamkategori well literate. Pihak Desa bisa bekerjasama dengan BLK Kabupaten Sumedang, untukmengadakan pelatihan dan pendampingan untuk meberikan jasa lanyanan keuangan langsungkepada para pelaku UMKM. Kata kunci: Financial Knowledge, Financial Behavior, Financial Attitude, Literasi Keuangan,UMKM.
Green Finance: Evaluating the Impact of Sustainable Investments on Corporate Performance of Islamic Bank in Indonesia Hidayat, Gustina; Dewi, Kisthi Hanila; Utama, Ahmad Nur Budi; Zikriani, Hilyati
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.772

Abstract

This study investigates the impact of sustainable investments on the financial performance of Islamic banks in Indonesia. Using regression analysis, the study examines the relationship between sustainable investments and key performance indicators, Return on Assets (ROA) and Return on Equity (ROE). The results reveal that sustainable investments positively and significantly influence both ROA and ROE, indicating that Islamic banks engaging in sustainable finance initiatives experience enhanced profitability. Additionally, the study analyzes the effects of liquidity, asset quality, and loan loss provisions on financial performance. The findings suggest that higher liquidity, as measured by the current ratio, positively impacts profitability, while higher non-performing loans and loan loss provisions negatively affect financial performance. This study contributes to the theoretical understanding of green finance and offers practical implications for bank managers, investors, and policymakers. By integrating sustainable investments into their operations, Islamic banks can achieve better financial performance while supporting broader sustainability goals.
Impact of Financial Literacy, Risk Tolerance, Usefulness Perception, and Trust Perception on Financial Decision of MSMEs in West Java Kartiwa, Aa; Hidayat, Gustina; Lisbet, Zeanette T; Siagian, Ade Onny
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.869

Abstract

This study investigates the impact of financial literacy, risk tolerance, perceived usefulness, and trust perception on the financial decision-making of micro, small, and medium-sized enterprises (MSMEs) in West Java. Using a sample of MSME owners, the study employs multiple regression analysis to explore the relationships between these variables. The findings reveal that financial literacy is the most significant factor influencing financial decision-making, followed by perceived usefulness, risk tolerance, and trust perception. The results underscore the importance of financial education, adoption of beneficial financial tools, and fostering trust in financial institutions for enhancing MSME financial decisions. The study offers practical and theoretical contributions, providing valuable insights for policymakers, financial institutions, and MSMEs. Future research should consider expanding the geographical scope and exploring potential moderating factors in financial decision-making.
Influence of Financial Literacy, Herding Behavior, and Risk Perception on Financial Behavior: Case Study in West Java, Indonesia Hidayat, Gustina; Anwar, Mokhamad; Affandi, Azhar
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.948

Abstract

This study investigates the influence of financial literacy, herding behavior, and risk perception on financial behavior in West Java, Indonesia, while examining the moderating role of financial literacy. Employing a quantitative approach, data were collected from 400 respondents through structured questionnaires and analyzed using Structural Equation Modeling (SEM). The results reveal that financial literacy significantly enhances financial behavior, mitigates the adverse effects of herding behavior, and strengthens the positive impact of risk perception. Herding behavior negatively affects financial behavior, while risk perception has a positive influence. The findings highlight the crucial role of financial literacy in promoting informed and independent financial decision-making, underscoring the need for targeted financial education initiatives. These insights provide valuable implications for policymakers, financial institutions, and educators aiming to improve financial well-being in Indonesia.
The Influence of Corporate Governance, Capital Structure, and Profitability on Firm Value in Banking Sector in Indonesia Hidayat, Gustina; Affandi, Azhar; Anwar, Mokhamad
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.991

Abstract

This study investigates the influence of corporate governance, capital structure, and profitability on firm value in the Indonesian banking sector. Using a quantitative research design, data were collected from publicly listed banks’ financial reports and analyzed through multiple regression. Results indicate that corporate governance and profitability positively impact firm value, while high capital structure negatively affects it. Control variables, such as bank size and liquidity, also show significant relationships. These findings highlight the importance of robust governance, prudent debt management, and operational efficiency for sustainable growth. The study offers practical insights for managers, regulators, and investors while addressing limitations for future research.
Analysis of the Relationship between Curriculum Quality, Facilities and Infrastructure, and Learning Time Management on Student Satisfaction in the Learning Process in High Schools Ratnasari, Shofia Annisa; Arifin, Arifin; Hidayat, Gustina
International Journal of Business, Law, and Education Vol. 6 No. 1 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i1.1056

Abstract

This study aims to examine the relationship between curriculum quality, educational facilities, and time management on student satisfaction in the learning process at High Schools. Using a quantitative approach with a stratified random sampling technique, the study involved 250 students from various High Schools. Data were collected using a structured questionnaire and analyzed through multiple linear regression with the help of SPSS software. The results showed that all three independent variables—curriculum quality, educational facilities, and time management—have a simultaneous and significant influence on student satisfaction. Among the three, curriculum quality has the most dominant effect, followed by educational facilities and time management. The coefficient of determination (R²) indicated that 37.7% of the variance in student satisfaction can be explained by the three variables. These findings highlight the importance of a relevant and flexible curriculum, adequate school facilities, and effective learning time management in improving students' learning experience.
BEHAVIORAL FACTORS AFFECTING PERSONAL FINANCIAL MANAGEMENT AND SAVINGS HABITS: A CASE STUDY OF GEN Z Hidayat, Gustina; Hermawan, Atang
Jurnal Riset Bisnis dan Manajemen Vol. 18 No. 2 (2025): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v18i2.22278

Abstract

This study explores the influence of behavioral factors—self-control, financial anxiety, overconfidence, mental accounting, and future orientation—on personal financial management and savings habits, with financial literacy examined as a moderating factor. Using a Partial Least Squares Structural Equation Modeling (PLS-SEM) approach, data were collected from a diverse sample of individuals to assess how these behavioral traits shape financial behaviors. The results reveal that self-control, mental accounting, and future orientation positively impact financial management, while financial anxiety negatively affects it. Overconfidence was also found to positively influence financial management, though it may carry risks when unchecked. Financial management, in turn, has a significant positive effect on savings habits. Financial literacy significantly moderates the relationship between these behavioral factors and financial management, particularly strengthening the effects of self-control, overconfidence, mental accounting, and future orientation. This study highlights the importance of integrating behavioral insights and financial education to promote effective financial management and savings behavior. The findings offer practical implications for financial education programs, policymakers, and financial institutions seeking to improve individuals' financial well-being.
The Effect of Compensation on Employee Job Satisfaction at CV. Bestro Project Sumedang Firdayanti, Anita; Hidayat, Gustina; Ginanjar, Yayat
SINTESA Vol. 15 No. 1 (2024): Sintesa
Publisher : SINTESA

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Abstract

The problem in this study is that there are still employees on CV. Bestro Project Sumedang who feels dissatisfied at work, one of which is related to compensation. This study aims to determine the effect of compensation on employee job satisfaction in CV. Bestro Project Sumedang. This study uses quantitative research methods with independent variables, namely compensation and dependent variables, namely job satisfaction. The sampling technique is carried out by sampling jenuh technique. The respondents of the study amounted to 30 respondents. Data collection uses observation, interview and questionnaire techniques while data analysis uses validity tests, reliability tests, classical assumption tests, simple linear regression tests, correlation coefficients and determinations and hypothesis tests using partial significance tests (t statistical tests) with data management using SPSS version 29. The results of the research discussing the determination test showed that compensation affected job satisfaction by 26% and the remaining 74% was influenced by other factors that were not discussed the this study. The results of the T test show that compensation has a positive and significant effect on employee job satisfaction in CV. Bestro Project Sumedang
The Effect Of Workload On Audit Quality (Empirical Study at the Sumedang District Regional Inspectorate) Maliyah, Nalia; Hidayat, Gustina; Krisdina, Tiana Fenny
SINTESA Vol. 16 No. 1 (2025): Sintesa
Publisher : SINTESA

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

Abstract

This study aims to empirically test the effect of workload on audit quality at Sumedang District Inspectorate. The background of the study is based on the imbalance between the number of auditors and the number of objects of supervision, which has an impact on the emergence of findings that have not been followed up. The population in this study were all staff of Sumedang District Inspectorate, totaling 65 people. The sample in this study was 22 auditors selected through purposive sampling techniques. Data collection was carried out through questionnaires, interviews and documentation. The analysis techniques used were data quality testing, classical assumption testing and simple linear regression using IBM Statistic software version 25. The results of the study showed that workload had a significant negative effect on audit quality with a t count of 2.150 > t table of 2.086 and a coefficient on workload of -0.019, meaning H1 was accepted. Therefore, high workload can decrease audit quality
Co-Authors Ade Onny Siagian Ahmad Nur Budi Utama Amanda, Helles Arifin Arifin Atang Hermawan Azhar Affandi Dewi, Khisti Hanila Dewi, Kisthi Hanila Firdayanti, Anita Gilang Gumilang Ginanjar, Yayat Herman Purwoko Putro Kartiwa, Aa Krisdina, Tiana Fenny Maliyah, Nalia Mokhamad Anwar, Mokhamad Mubarokah, Robbani Hablie Munggaran, Rani Nadhirah, Lulu Tasya Nining Kurniasih, Nining Nurodin, Nurodin Prastiono, Megan Putri, Meidah Cahaya Ratnasari, Shofia Annisa Saefuloh, Muhammad Syechbubakar, Sayyidah Fathimah Zeanette Tiarma Lisbet Zikriani, Hilyati