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All Journal Dinamika Akuntansi Keuangan dan Perbankan Jurnal Ilmiah Mahasiswa FEB JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Akuntoteknologi : Jurnal Ilmiah Akuntansi dan Teknologi Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Journal of Accounting and Finance Management (JAFM) Cakrawangsa Bisnis
Tri Utomo Prasetyo
Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Mengeksplorasi Motivasi Perempuan di Desa Purwoharjo untuk Berwirausaha Prasetyo, Tri Utomo; Transistari, Ralina; Wahyuningsih, Tri Harsini; Suparmono, Suparmono
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4085

Abstract

This study aims to explore the motivation of women in Desa Purwoharjo, Kabupaten Kulon Progo to become entrepreneurs. The method used is a mixed method. A total of 26 informants were involved in this study through snowball sampling. Data were collected through semi-structured interviews. A qualitative approach with the content analysis method was used to analyze the reasons that motivate women in Desa Purwoharjo to become entrepreneurs. A quantitative approach with the Fisher's Exact test and One-way Anova was used to analyze the relationship between entrepreneurial motivation and sociodemographic factors. The results of the study showed that the main reasons that motivate entrepreneurship are (1) increasing family income, (2) earning your own income, and (3) utilizing free time. The dominating reason for “increasing family income” shows that informants became entrepreneurs with the motive of fulfilling their physiological needs. Only a few informants have achieved the provision of social needs and appreciation. The absence of informants who mentioned the reason for "achieving a certain social status (prestige)" indicates that entrepreneurship is not intended to fulfill the need for self-actualization.
Menilik Pengelolaan Keuangan Generasi Z di Kulon Progo: Pengaruh Literasi, Gaya Hidup, dan Teknologi Kasbani, Wathur; Prasetyo, Tri Utomo
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol. 6 No. 2 (2025): Oktober
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/cb.v6i2.632

Abstract

This study aims to analyze the influence of financial literacy, hedonistic lifestyle, and fintech payment on personal financial management of Generation Z in Kulon Progo Regency. The sampling method in this study used a non-probability sampling method with a purposive sampling technique, involving 85 Generation Z respondents. Data analysis used the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results of the study indicate that financial literacy and fintech payment partially have positive and significant effects on personal financial management of Generation Z in Kulon Progo Regency, while hedonistic lifestyle has a negative and significant effect. Among these three variables, financial literacy has been shown to be the most dominant factor in influencing personal financial management among Generation Z in Kulon Progo Regency.
Financial Management Behavior: Pengaruh Financial Technology, Locus of Control, dan Financial Literacy Mahasiswa Pamungkas, Mayhendra Satria; Prasetyo, Tri Utomo
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol. 6 No. 1 (2025): April
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/cb.v6i1.573

Abstract

Financial management behavior refers to how a person organizes and manages their financial resources. This study aims to analyze the influence of financial technology, locus of control, and financial literacy on the financial management behavior of Management students in the Special Region of Yogyakarta. Students face many challenges in managing their own finances, such as allocating pocket money for daily needs, tuition fees, and spending on social and entertainment activities. This study attempts to confirm the results of previous studies by using different scopes and data analysis methods. This study involved 126 students majoring in Management in the Special Region of Yogyakarta who used financial technology applications to manage their finances. Sampling was carried out using a non-probability sampling method with a combination of purposive sampling and convenience sampling techniques using an online questionnaire. Data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) to test the research hypotheses. The results of the study indicate that financial technology, locus of control, and financial literacy partially have a positive and significant effect on financial management behavior, where locus of control is the most dominant variable
PENGARUH PERUBAHAN KEBIJAKAN GIRO WAJIB MINIMUM DAN INTERNAL PERBANKAN TERHADAP TINGKAT PROFITABILITAS BANK: STUDI PADA BANK PERSERO DI INDONESIA PERIODE 2011:3 – 2014:4 Prasetyo, Tri Utomo
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study  examines the effect of  reserve  requirements changes and bank-specific  factors on  the profitability of  Indonesian state-owned banks.  The  bank profitability is measured by  return  on assets (ROA) and  return  on equity (ROE). Fixed effect model is used in order to analyze the balanced panel data. The result shows that the  reserve  requirements changes only affect ROE, negatively and significantly. NPL has a negative and significant effect on both ROA and ROE, while NIM has a positive and singifikan effect. Deposits  has a positive and significant effect on ROE, while loans has a negative and significant effect. These results suggest that banks respond negatively to the increse in reserve requirements, even though not quite much. It is because banks can maintain their interest income. On the other side, the negative relationship between loans and profitability suggests that banks cannot manage to regain their own resources that have been lent to their customers. It indicates a poor credit quality. Keywords: reserve requirements changes, bank profitability, Indonesian state-owned banks
MINAT INVESTASI REKSA DANA: PENGARUH LITERASI KEUANGAN, PENGETAHUAN INVESTASI, DAN PREFERENSI RISIKO Henry, Michael Thymoti; Prasetyo, Tri Utomo
Dinamika Akuntansi Keuangan dan Perbankan Vol 14 No 2 (2025): Vol. 14 No. 2 2025
Publisher : Faculty of Economic and Business Universitas STIKUBANK

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dakp.v14i2.10343

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, pengetahuan investasi, dan preferensi risiko terhadap minat investasi reksa dana pada mahasiswa di Yogyakarta. Penelitian ini adalah penelitian kuantitatif, di mana populasi dalam penelitian ini adalah mahasiswa jurusan Manajemen yang termasuk Generasi Z berdomisili di Yogyakarta. Sampel diambil dengan menggunakan teknik purposive dan convenience sampling sebanyak 101 responden. Data dikumpulkan menggunakan kuesioner elektronik. Data diolah dan dianalisis dengan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan software SmartPLS versi 4.1.1.2. Hasil penelitian menujukkan bahwa literasi keuangan, pengetahuan investasi, dan preferensi risiko secara parsial berpengaruh positif dan signifikan terhadap minat investasi reksa dana. Tiga faktor yang diteliti dapat menjelaskan 56,4% variasi minat investasi reksa dana, sementara 43,6% lainnya dijelaskan oleh faktor lain yang tidak diteliti dalam penelitian ini. Literasi keuangan menjadi faktor yang paling dominan membentuk minat investasi reksa dana. Hasil ini sesuai dengan dugaan awal, di mana berinvestasi memerlukan tingkat pengetahuan dan kecakapan yang tinggi. Mahasiswa dengan preferensi risiko yang tinggi akan memiliki minat investasi reksa dana yang lebih tinggi karena reksa dana pada umumnya memiliki risiko yang tinggi daripada instrumen investasi lainnya seperti deposito dan obligasi.
Peran Literasi Keuangan Digital, Persepsi Kemudahan, dan Promosi Cashback dalam Penggunaan Gopay Suryanti, Maria Naning; Prasetyo, Tri Utomo
Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa Vol. 7 No. 1 (2026): April
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/cb.v7i1.676

Abstract

Penelitian ini bertujuan untuk melihat dampak dari literasi keuangan digital, persepsi kemudahan penggunaan, dan promosi cashback terhadap cara Generasi Z menggunakan aplikasi GoPay di Daerah Istimewa Yogyakarta. Data dikumpulkan melalui pemberian kuesioner online kepada 153 responden. Kriteria responden meliputi Generasi Z yang berusia minimal 17 tahun, tinggal di Daerah Istimewa Yogyakarta, dan pernah atau sedang menggunakan GoPay untuk transaksi dalam waktu 3 bulan terakhir. Teknik pengambilan sampel menggunakan purposive sampling, sedangkan teknik analisis data dilakukan dengan PLS-SEM. Penelitian ini menggabungkan literasi keuangan digital, persepsi kemudahan, serta promosi cashback dalam satu model struktural untuk menjelaskan perilaku penggunaan. Selain itu, penelitian ini memfokuskan pada konteks perilaku penggunaan, bukan hanya pada niat pengguna, sehingga memberikan gambaran yang lebih komprehensif. Penggunaan GoPay dipengaruhi secara signifikan oleh tingkat literasi keuangan digital, persepsi kemudahan, dan promosi cashback. Penelitian ini juga memberikan dampak positif bagi perusahaan penyedia layanan e-wallet, terutama GoPay, dalam hal meningkatkan pemahaman masyarakat tentang literasi keuangan digital, mempertahankan kemudahan sistem, serta merancang strategi promosi cashback yang efektif untuk meningkatkan penggunaan berkelanjutan khususnya pada Generasi Z.
Understanding MSMEs’ Intentions to Apply for Formal Loans Through Behavioral Perspectives: Memahami Niat UMKM untuk Mengajukan Pinjaman Formal melalui Perspektif Perilaku Prasetyo, Tri Utomo; Utami, Alivia Meyrizka; Resmi, Siti
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 12 No. 1 (2026): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v12i1.2269

Abstract

This study explores the factors influencing Micro, Small, and Medium Enterprise (MSME) owners’ intentions to apply for formal loans in Indonesia by integrating financial literacy and perceived access to finance into the Theory of Planned Behavior. Using a quantitative approach, data was collected from 215 MSME owners and analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM). Results show that financial literacy, perceived access to finance, and attitudes toward formal loans significantly increase loan application intentions—indicating that more financially capable owners and those with positive perceptions of formal credit are more likely to apply. Interestingly, perceived difficulties in accessing finance actually increase intention, suggesting a need-driven response. In contrast, social norms and perceived behavioral control have negligible effects. These findings highlight the importance of strengthening financial education, reshaping perceptions of credit accessibility, and improving attitudes toward formal financing. The study recommends policy initiatives that simplify loan processes, expand inclusive financial programs, and enhance financial literacy to better support MSME growth in Indonesia.
Mengeksplorasi Motivasi Perempuan di Desa Purwoharjo untuk Berwirausaha Tri Utomo Prasetyo; Ralina Transistari; Tri Harsini Wahyuningsih; Suparmono Suparmono
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4085

Abstract

This study aims to explore the motivation of women in Desa Purwoharjo, Kabupaten Kulon Progo to become entrepreneurs. The method used is a mixed method. A total of 26 informants were involved in this study through snowball sampling. Data were collected through semi-structured interviews. A qualitative approach with the content analysis method was used to analyze the reasons that motivate women in Desa Purwoharjo to become entrepreneurs. A quantitative approach with the Fisher's Exact test and One-way Anova was used to analyze the relationship between entrepreneurial motivation and sociodemographic factors. The results of the study showed that the main reasons that motivate entrepreneurship are (1) increasing family income, (2) earning your own income, and (3) utilizing free time. The dominating reason for “increasing family income” shows that informants became entrepreneurs with the motive of fulfilling their physiological needs. Only a few informants have achieved the provision of social needs and appreciation. The absence of informants who mentioned the reason for "achieving a certain social status (prestige)" indicates that entrepreneurship is not intended to fulfill the need for self-actualization.
Co-Authors Alivia Meyrizka Utami Dwicahyo, Kabul Budi Ega Saputra Eka Sudarusman Fienda Kurniawati Hari Nurweni Henry, Michael Thymoti Kasbani, Wathur Muhammad Roni Indarto Nini Setyowati Pamungkas, Mayhendra Satria Primadineska, Rasistia Wisandianing Reza Widhar Pahlevi Siti Resmi Siti Resmi Suparmono Suparmono Suparmono Suparmono Suryanti, Maria Naning Syahrul Ramadhani Ashari Transistari, Ralina Tri Harsini Wahyuningsih Wahyuningsih, Tri Harsini Zetha Hayuning Pramesti