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DETERMINANTS OF MUTUAL FUNDS INVESTMENT BEHAVIOR Marcella Julia Shira; Werner Ria Murhadi; Bertha Silvia Sutejo
Manajemen dan Bisnis Vol 16, No 1 (2017): MARCH 2017
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

The purpose of this study is to examine the effects of demographic and social characteristics, investment criteria, perceptions and investors awareness of investment behavior on mutual funds in Indonesia. Analysis in this research using logistic regression or logit regression. The object of this study is investors and non-investors of mutual funds in Indonesia, as many as 126 people. Data processing uses SPSS PASW software version 18 for the Windows operating system. The results of this study show that demographic and social characteristics, investment criteria, and awareness of investors simultaneously have a significant effect on investment behavior on mutual funds in Indonesia.

EFFECT OF PAYABLE TO PROFITABILITY IN SECTOR COMPANY INFRASTRUCTURE, UTILITIES, AND TRANSPORTATION IN IDX PERIOD 2010 - 2014 Yohan Prasetyo; Liliana Inggrit Wijaya; Bertha Silvia Sutejo
Journal of Management and Business Vol 14, No 2 (2015): SEPTEMBER 2015
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

This study aims to examine the effect of short terms debt to total asset, long term debt to total asset , total debt to total asset, debt to equity ratio as a independent variables with sales growth and size as a control variable on infrastructure,utilities and transportation industry sector in Indonesia Stock Exchange (IDX) with the period 2010-2014. The variables tested are the variables that can affect profitability. This study uses a quantitative approach to multiple linear regression analysis model. This study used data drawn from infrastructure,utilities and transportation companies listed on Indonesia Stock Exchange for the period 2010-2014. The samples used in this study were 35 companies with 175 observation points at first by using classical. The study findings suggest that short term debt to total asset significant positive effect on the profitability, long term debt to total asset significant positive effect on the profitability, total debt to total asset significant positive effect on the profitability, debt to equity ratio is significantly negative effect on the use of profitability, size as a control variable contributed effect againsts independent variable against the dependent variable, sales growth as a control variable not contributed effect againsts independent variable against the dependent variable.

DETERMINANTS OF MUTUAL FUNDS INVESTMENT BEHAVIOR Marcella Julia Shira; Werner Ria Murhadi; Bertha Silvia Sutejo
Manajemen dan Bisnis Vol 16, No 1 (2017): MARCH 2017
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jmb.v16i1.349

The purpose of this study is to examine the effects of demographic and social characteristics, investment criteria, perceptions and investors awareness of investment behavior on mutual funds in Indonesia. Analysis in this research using logistic regression or logit regression. The object of this study is investors and non-investors of mutual funds in Indonesia, as many as 126 people. Data processing uses SPSS PASW software version 18 for the Windows operating system. The results of this study show that demographic and social characteristics, investment criteria, and awareness of investors simultaneously have a significant effect on investment behavior on mutual funds in Indonesia.

Manajemen Sumber Daya Manusia yang "Fit": Keunggulan Kompetitif Organisasi Bertha Silvia Sutejo
Jurnal Manajemen Maranatha Vol 3 No 2 (2004)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v3i2.107

Importance manages human resource management in business agenda now. Human resource management (HRM) are asset which must managed so can be fit with business needed and can help organization to be more competitive. Therefore, HRM considered not just as strategic factor with role importance in implementation strategy but also calculation as resource can achieve competitive advantage. Exist assume that close link between business strategy and HRM methods based of contingency theory. Contingency theory holds that human resource management methods are selected in accordance with the type of competitive strategy adopted by a business. It is moreover assumes that companies that closely coordinate their business strategy and HRM activities achieve better performance than companies that do not. Differences of business and combination HRM have different effect on performance organization. However, that differences not always consistent with contingency theory. Therefore, needed match between business strategy and HRM practices so that produce organization performance can achieve competitive advantage.Keyword: business strategy, human resource management, firm performance, competitive advantage

Internet Marketing: Konsep dan Persoalan Baru Dunia Pemasaran Bertha Silvia Sutejo
Jurnal Manajemen Maranatha Vol 6 No 1 (2006)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v6i1.224

With increased globalization of the world economies, for most enterprises, market opportunities seem to be endless these days. Consequently, departing from the traditional commercial strategies and tactics, innovative managers are looking for unique ways to compete more effectively on a local, regional and global basis. Internet has received so much attention from business world because the internet will accelerate the decrease in costs of information. In addition, it provides a universal availability and higher quality of information. Internet also provides a fundamentally different environment for international marketing and requires a different approach. Marketing mix on internet marketing consist of five P’s: price, product, promotion, place, and personalization. Internet marketing establishes the new marketing paradigm. This paper will try to explain the effect of internet marketing on marketing mix and to determine some building blocks in the new marketing paradigm.

FAKTOR-FAKTOR YANG MEMPENGARUHI FINANCIAL WELLBEING GENERASI Z BERPENGHASILAN DI SURABAYA, INDONESIA Oktavianus, Joshua; Wijaya, Liliana Inggrit; Sutejo, Bertha Silvia
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.4899

Financial wellbeing generasi muda Indonesia yang berpenghasilan merupakan isu yang mendesak dimana sering kali dipengaruhi oleh financial literacy yang terbatas, pola pikir YOLO dan FOMO, serta gaya hidup hedonistik yang lebih mengutamakan kepuasan sesaat daripada stabilitas finansial jangka panjang. Maka, penelitian ini bertujuan untuk mengidentifikasi faktor-faktor penting yang memengaruhi financial wellbeing, dengan berfokus pada financial literacy, self-control, dan financial behavior, dan financial stress, serta membangun kerangka kerja untuk membimbing Generasi Z, khususnya yang berdomisili di Surabaya, menuju stabilitas keuangan yang berkelanjutan. Dengan pendekatan kuantitatif, data dikumpulkan dari total 203 responden melalui metode Snowball Sampling dengan kuesioner terstruktur. Studi ini menggunakan analisis SEM-PLS dengan software Smart PLS 4 untuk meneliti determinan financial wellbeing Generasi Z yang berpenghasilan di kota Surabaya. Hasil penelitian menunjukkan bahwa financial literacy, self-control, dan financial behavior secara signifikan memengaruhi financial wellbeing. Self-control secara positif memengaruhi financial behavior, yang menekankan peran pentingnya dalam mendorong pengambilan keputusan keuangan yang bijak, sementara financial behavior memediasi hubungan antara financial literacy, self-control, financial stress, dan financial wellbeing. Secara praktis, hal ini menunjukkan bahwa Generasi Z dan pemerintah harus mengambil langkah-langkah konkret; Generasi Z dapat memperoleh manfaat dari pendidikan keuangan tentang pengeluaran, manajemen utang, dan investasi. Sementara pemerintah dapat mendukung program financial literacy sebagai sumber daya yang mudah diakses bagi Generasi Z di Indonesia.

Implementation of Corporate Governance in Emerging Markets: Indonesia Stock Exchange and Singapore Stock Exchange Sutejo, Bertha Silvia; Murhadi, Werner Ria; Octaviano, Fransisco
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 9 No. 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v9i1.5501

The objective of this study is to examine the execution of corporate governance in manufacturing sector firms listed on Indonesia and Singapore's stock exchanges. The study reveals that an increase in the frequency of audit committee meetings has a substantial and favorable impact on Indonesia's financial performance. Conversely, in the case of Singapore, there is a notable adverse impact on financial performance. However, the presence of an independent board of commissioners, a higher frequency of commissioner’s meetings, a more significant percentage of managerial share ownership, and the magnitude of the Board of Commissioners have a substantial adverse impact on ROA. Conversely, the frequency of board commissioner meetings and the extent of managerial share ownership hurt Tobin's Q. The presence of an independent board of commissioners and the number of commissioners on the Board does not substantially impact Tobin's Q. In the case of Singapore, the presence of an independent board of commissioners, the size of the Board, the frequency of board meetings, and the overall percentage of managerial share ownership do not have a noteworthy impact on ROA. Conversely, the quantity of Board of Commissioners meetings has a favorable impact on Tobin's Q. The overall proportion of ownership held by managers negatively impacts Tobin's Q. Both the autonomy of the Board of Commissioners and its size do not substantially influence Tobin's Q.

THE LINKAGE OF STOCK TRADING DECISIONS, EI TRAITS, FINANCIAL LITERACY, AND RISK TOLERANCE ON GENERATION Z Bertha Silvia Sutejo
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 9 No 1 (2025): March
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2025.v9.i1.6930

This study applied the dual process theory to explain the relationship between two systems in decision-making. The first system is associated with emotional intelligence (EI) traits. The second system is associated with financial literacy. Therefore, this study examines the two systems' effect on stock trading decisions by using a quantitative approach with non-probability and purposive sampling methods. The questionnaire was distributed to 350 Generation Z investors in Indonesia via Google Forms from July 2024 to September 2024. The study applied the SEM model with Amos statistical software and the Sobel Test using the Sobel calculator. As the results, this study indicate that the stock trading decision-making for Generation Z is influenced by System 2. While System 1 has no effect on their stock trading decision-making. Emotional intelligence (EI) traits do not affect stock trading decision-making, while financial literacy does. Financial tolerance also fully mediates the relationship between emotional intelligence (EI) traits and stock trading decision-making. Risk tolerance mediates some of the relationship between financial literacy and stock trading decision-making.

Mengukur kinerja keuangan pada UKM akibat pandemi Covid-19 Bertha Silvia Sutejo; Marwin Antonius Rejeki Silalahi
Jurnal Manajemen Maranatha Vol 20 No 2 (2021): Jurnal Manajemen Maranatha
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jmm.v20i2.3408

Competition is increasing from time to time between SMEs (Small and Medium-Sized Enterprieses), for this reason, this research was conducted by measuring SMEs' financial performance in Surabaya due to the impact of the Covid-19 virus. There are four variables analyzed, namely innovative, risk-taking, proactiveness, and competitive aggressiveness. The weaknesses of SMEs are generally in terms of managerial abilities, capital, and human resources. Apart from this, aspects outside the company are one of the causes of SMEs' reduced performance in Indonesia. This study aims to strengthen the results of previous research. The results of this study are used to help the community, especially investors and academics, to understand the importance of entrepreneurship in improving the financial performance of SMEs during the Covid-19 pandemic. This research scale was adopted from existing literature. The research data used secondary data. The research method used was purposive sampling. This study uses reliability and validity tests to measure the scale, classic assumption tests to assess the feasibility of data, and hypothesis testing using multiple regression tests. The results of this study found that innovation, risk-taking, and proactiveness affect financial performance, while competitive aggressiveness does not affect financial performance.

Pengaruh Social Influence terhadap Persepsi Kemudahan dan Kegunaan dalam Adopsi QRIS: Extended TRAM Model pada UMKM di Indonesia Richard Baramuli Antolis; Werner Ria Murhadi; Noviaty Kresna Darmasetiawan; Bertha Silvia Sutejo
Jurnal Manajemen dan Pemasaran Digital Vol. 4 No. 2 (2026): Jurnal Manajemen dan Pemasaran Digital (April - Juni 2026)
Publisher : Siber Nusantara Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpd.v4i2.673

Penelitian ini mengkaji pengaruh pengaruh sosial terhadap persepsi kemudahan penggunaan dan persepsi kegunaan, serta dampaknya terhadap niat menggunakan Quick Response Code Indonesian Standard (QRIS) pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Model penelitian mengembangkan Technology Readiness and Acceptance Model (TRAM) dengan mengintegrasikan dimensi kesiapan teknologi yang meliputi optimisme, inovativitas, ketidaknyamanan, dan ketidakamanan, serta kepercayaan dan pengaruh sosial. Penelitian ini menggunakan pendekatan kuantitatif dengan metode pemodelan persamaan struktural berbasis kovarians menggunakan IBM SPSS Amos. Data dikumpulkan dari 198 pemilik atau pengelola UMKM di Indonesia yang aktif menggunakan QRIS. Model penelitian terdiri atas sembilan variabel, 34 indikator, dan 15 hipotesis. Hasil penelitian menunjukkan bahwa persepsi kemudahan penggunaan dan persepsi kegunaan berpengaruh positif dan signifikan terhadap niat menggunakan QRIS (H12 dan H13 didukung). Dimensi kesiapan teknologi, kepercayaan, dan pengaruh sosial tidak berpengaruh signifikan terhadap persepsi kemudahan penggunaan maupun persepsi kegunaan pada UMKM pengguna aktif QRIS. Temuan ini mengindikasikan adanya efek kejenuhan pada persepsi teknologi karena seluruh responden telah berpengalaman menggunakan QRIS. Penelitian ini memberikan kontribusi teoretis melalui pengembangan kerangka TRAM dengan penambahan variabel pengaruh sosial serta kontribusi praktis berupa wawasan bagi penyedia layanan pembayaran, regulator, dan UMKM terkait adopsi pembayaran digital di Indonesia.

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