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Journal : GREENOMIKA

The Influence of Financial Literacy, Use of Social Media, and Social Demographic Factors on Consumptive Behavior Muwaffaq, Bahruddin Syah; Dewi, Farida Ratna; Viana, Eka Dasra; Matoati, Rindang
GREENOMIKA Vol. 5 No. 1 (2023): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2022.05.1.1

Abstract

This research aims to determine (1) to analyze the level of financial literacy of adolescents in Jabodetabek, (2) to analyze the impact of the dimensions of financial literacy on consumptive behaviour, (3) to analyze the impact of social media usage on the consumptive behaviour,4) analyze the impact of socio-demographic factors the consumptive behaviours type of research is quantitative and qualitative, and the data source is primary data (questionnaire). The method used is descriptive analysis method and analysis of Structural Equation Modemodellingartial Least Square (SEM-PLS). The result is level of financial literacy of the late adolescent is well-literate, with a percentage of 44%. Financial knowledge and socio-demographic factors do not significantly affect delinquent adolescent consumptive behaviour. Financial attitudes, financial behaviour and social media usage significantly impact the late adolescent workforce in Jabodetabek.
The Influence of Macroeconomic Variables on Non-Performing Loan (NPL) at PT Bank Mandiri (Persero) Tbk Radhianas, Binky Mohammad; Matoati, Rindang; Viana, Eka Dasra; Dewi, Farida Ratna; Kaewlaead, Chuta
GREENOMIKA Vol. 6 No. 1 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.1.6

Abstract

In recent years, Bank Mandiri's non-performing loan (NPL) ratio has been on a relatively stable decline until the COVID-19 pandemic in 2020 quarter I put pressure on the Indonesian economy. Since then, Bank Mandiri's NPL ratio has increased significantly due to the global economic recession that also occurred in Indonesia in 2020 quarter III. This study aims to analyse the effect of macroeconomic variables such as gross domestic product, inflation, interest rates, and exchange rates on non-performing loans (NPL) specifically at Bank Mandiri. This study uses secondary data in the form of historical data of related variables and Vector Error Correction Model (VECM) to estimate the dynamics of long-term and short-term relationships between variables. The results of this study indicate that macroeconomic variables such as BIRATE, INF, and LNPDB significantly affect Bank Mandiri's NPLs in the long-run dynamics, while LNKURS is statistically significant in the short-run dynamics. Keywords: Macroeconomic, Non-Peforming Loan, VECM
The Influence of Financial Literacy, Use of Social Media, and Social Demographic Factors on Consumptive Behavior Muwaffaq, Bahruddin Syah; Dewi, Farida Ratna; Viana, Eka Dasra; Matoati, Rindang
GREENOMIKA Vol. 5 No. 1 (2023): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2022.05.1.1

Abstract

This research aims to determine (1) to analyze the level of financial literacy of adolescents in Jabodetabek, (2) to analyze the impact of the dimensions of financial literacy on consumptive behaviour, (3) to analyze the impact of social media usage on the consumptive behaviour,4) analyze the impact of socio-demographic factors the consumptive behaviours type of research is quantitative and qualitative, and the data source is primary data (questionnaire). The method used is descriptive analysis method and analysis of Structural Equation Modemodellingartial Least Square (SEM-PLS). The result is level of financial literacy of the late adolescent is well-literate, with a percentage of 44%. Financial knowledge and socio-demographic factors do not significantly affect delinquent adolescent consumptive behaviour. Financial attitudes, financial behaviour and social media usage significantly impact the late adolescent workforce in Jabodetabek.
The Influence of Macroeconomic Variables on Non-Performing Loan (NPL) at PT Bank Mandiri (Persero) Tbk Radhianas, Binky Mohammad; Matoati, Rindang; Viana, Eka Dasra; Dewi, Farida Ratna; Kaewlaead, Chuta
GREENOMIKA Vol. 6 No. 1 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.1.6

Abstract

In recent years, Bank Mandiri's non-performing loan (NPL) ratio has been on a relatively stable decline until the COVID-19 pandemic in 2020 quarter I put pressure on the Indonesian economy. Since then, Bank Mandiri's NPL ratio has increased significantly due to the global economic recession that also occurred in Indonesia in 2020 quarter III. This study aims to analyse the effect of macroeconomic variables such as gross domestic product, inflation, interest rates, and exchange rates on non-performing loans (NPL) specifically at Bank Mandiri. This study uses secondary data in the form of historical data of related variables and Vector Error Correction Model (VECM) to estimate the dynamics of long-term and short-term relationships between variables. The results of this study indicate that macroeconomic variables such as BIRATE, INF, and LNPDB significantly affect Bank Mandiri's NPLs in the long-run dynamics, while LNKURS is statistically significant in the short-run dynamics. Keywords: Macroeconomic, Non-Peforming Loan, VECM
Co-Authors Achmal, Noer Meilinda Aditya Mahardika Hidayat Adriana Putri D Afia Salsabila Afifah, Jati Ratna Afraah Nabiilah Afraah Nabiilah Khoirun Nisa Afrida Pebriana, Lila Afton Atabany Agik Suprayogi Agriani, Febi Alam, Muh Arif Alfaqih, Harits Alfaqih, Harits Azzam Alfito, Fiqih Mauzan Ali Mutasowifin Almaeera, Nasya Almaeera, Nasya Alula Anas Miftah Fauzi Anisya Ramadhanty Antonya Rumondang Sinaga Arifin, Muh Fiqri Ariyanto, Erika Estry Bramada Winiar Putra Bratasena, Bratasena Caesha Salsabila Caesha Salsabila, Siti Haerunnisa Callysta Athifa Pribadi Chinderayi Adha Danish Nayyara Putri Dasra Viana, Eka Diese Septia Gifarani Dyah Tjahyandari Suryaningtyas Edward H Siregar Eka Dasra Viana Eka Dasra Viana Fadhilah, Muhammad Fikri Fany Apriliani Fattah, Muh. Firmansyah Fikri, Andi Haikal Firdha Febrianti Firmansjah S Guteres, Dian Karisma Septiana Hanum Tri Utami Hardiana Widyastuti Heti Mulyati Heviawati, Sari Indah Wijayanti ines ardelia Intan Kurnia Wijaya Intia Puspita Waty Sudibyo Iskandar Iskandar Isramayana, Isramayana Jeni Natasya Dela Putri Kaewlaead, Chuta Kaira Noviza Karina Rahma Kayla Caroline Pardede Kayla Rahma Faiza Kusuma Nugraha, Okky Lindawati Kartika M. Irzsa Zeqty Gustian Ma'mun Sarma Mahardhika Mahardhika Mochammad Rochman Alfath Mubarok, Rahman Muhammad Abiyyu Dzakwan Tirta Muhammad Raidan Habiburrahman Musa Hubeis Muwaffaq, Bahruddin Syah Nabila Nuzhatul F Nada Farhanah Nadia Nadia Najwa Anjani Nurizkita Natasha Natasha, Natasha Natasya Regina Putri Nazla Arina, Pocut NOVIA RAHMAWATI Novia Rahmawati Nugraheni, Sri Retno Wahyu Nur Hana Pertiwi Nurul Hidayati Nur’Aeni, Nadila Octaviana, Fany Octavianus Tampubolon, Joshua Nathanael Palupi, Dian Yudo Prima Haksasi, Rizqi Pujiarti, Trisiwi Putra, Yudha Pradipta R. Dikky Indrawan R.Dikky Indrawan Raden Satria Pamungkas Wirya Perkasa Radhianas, Binky Mohammad Rajwa Nursa Deva Rindang Matoati, Rindang Risma Dewi Romadhon, Muhammad Fauzi Saleh, Pran Moch Saleh, Pran Moch. Salsabila, Siti Sapara, Fadli Fajar Sari Heviawati Sari, Hilda Sari, Hilda Fitria Sarma, Ma’mun Setyawati, Dewi Sheva Nashwa Kamila Siboro, Maria Lestari Sikla Alfathlaily Suteja Sinaga, Antonya Rumondang Siti Fadhilah Nurfaizah Slamet, Alim Setiawan Suherman, Amelia Rizqi Surya Tri Yulianto Syifa Annisa Syahra Tarigan, Ronald Tri Listirta, Risky Unawekla, Stevanny Debby Viana, Eka Dasra Vivi Apriliyani Wardani, Arizca Kusuma Widyastutik Yusuf, Nurfadlan Syahbana Zamzam Nurcahyo Zelman, Zelman