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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Akuntansi dan Pajak Majalah Ilmiah Warta Dharmawangsa Ihsan: Jurnal Pengabdian Masyarakat International Journal Reglement & Society (IJRS) Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) SOSEK: Jurnal Sosial dan Ekonomi FRIMA: Festival Riset Ilmiah Manajemen & Akuntansi International Journal of Accounting & Finance in Asia Pasific Journal of International Conference Proceedings International Journal of Economic, Technology and Social Sciences (Injects) IIJSE
Murviana Koto
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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FIRM VALUE: AUTOMOTIVE INDUSTRY RESEARCH Murviana Koto; Angga Bayu Putra Wansa
Journal of International Conference Proceedings (JICP) Vol 2, No 1 (2019): Proceedings of the 3rd International Conference of Project Management (ICPM) Bal
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v2i1.490

Abstract

The automotive industry and its components growth the manufacturing sector in Indonesia. This industry creates many jobs and drives various other industries. The research aims to analyze the firm value of automotive companies based on capital structure and sales growth. The population of this research is the automotive company and its components listed on the Indonesia Stock Exchange. The sample was taken using a purposive sampling method, and the data was proceed using multiple linear regression analysis methods. The results showed that the capital structure had a negative effect on firm value using debt to equity ratio (DER), and had a positive effect using long-term debt to equity ratio (LDER). While sales growth has a non-significant positive effect on the firm value of automotive companies.
ANALISIS KUALITAS PELAYANAN YANG BERPENGARUH TERHADAP NILAI PELANGGAN PADA BISNIS JASA PENDIDIKAN TINGGI Tika Nirmala Sari; Murviana Koto; Ratna Dina Marviana
Jurnal Warta Dharmawangsa Vol 16, No 4 (2022)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v16i4.2449

Abstract

Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Sumatera Utara Murviana Koto
SOSEK : Jurnal Sosial dan Ekonomi Vol 3, No 1 (2022): maret (2022)- Juni (2022)
Publisher : SOSEK : Jurnal Sosial dan Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55357/sosek.v3i1.258

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh perilaku keuangan terhadap literasi keuangan pada Mahasiswa Fakultas Ekonomi dan Bisnis Universtas Muhammadiyah Sumatera Utara. Populasi dalam penelitian ini adalah Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatera Utara dan sampel yang diambil secara purposive random yaitu sebanyak 94 Mahasiswa. Teknik pengumpulan data menggunakan kuesioner. Teknik analisis data dalam penelitian ini menggunakan statistic SPSS. Hasil penelitian ini membuktikan bahwa ada pengaruh signifikan antara perilaku keuangan (X) terhdap literasi keuangan (Y) pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatera Utara. Tingkat literasi keuangan berdasarkan jenis kelamin adalah responden laki-laki lebih tinggi dari pada responden perempuan. Berdasarkan usia responden yang berusia 23 Tahun lebih tinggi tingkat literasi keuangannya dari pada respoden usia 19 Tahun, 20 Tahun, 21 Tahun dan 22 Tahun. Berdasarkan tempat tinggal, responden mahasiswa yang tinggal sendiri/kost lebih tinggi tingkat literasinya daripa mahasiswa yang tinggal bersama orangtu, dan untuk responden yang pendapatan orang tua memiliki lebih dari Rp.10.000.000,- memiliki tingkat literasi lebih tinggi daripada responden yang memiliki pendapatan orangtua kurang dari Rp.5.000.000,- dan Rp.5.000.000, sampai dengan Rp.10.000.000
Analysis of factors influencing digital financial literacy levels: a case study on gen Y and gen Z spending behavior Murviana Koto
International Journal Reglement & Society (IJRS) Vol 4, No 2 (2023): May - August
Publisher : International Journal Reglement & Society (IJRS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55357/ijrs.v4i2.324

Abstract

This study aims to estimate and analyze the relationship between variables using quantitative data. The data presented is cross section data, the data studied is more than one. The variables that will be observed are the variables that determine the buying behavior of Gen Z and Millennials. This type of research is survey research, because it takes samples from one population. This study uses an explanatory research approach. The approach used is a quantitative description.. This research aims to look at the Factors Influencing the Level of Digital Financial Literacy based on shopping behavior. The population in this study are adolescents aged 10-19 years (Gen Z) and those aged 20-37 years (Gen Y) who shop online with e-commerce in Medan City. The purpose of this study is to look at the differences in shopping behavior of Gen Z and Gen Y. Since there is no data on young people who shop online using e-commerce (the number is unknown), the sample selection framework is non-probability sampling. The method used is purposive sampling, especially quota sampling. This method is used to ensure that the various subgroups in the population are represented with various sample characteristics to a certain extent as desired by the researcher. The samples taken were respondents from Gen Z and Gen Y who shopped online using e-commerce which were randomly selected.
Impact of Covid-19 Pandemic on the Financial Behavior Ade Gunawan; Murviana Koto; Willy Yusnandar; Jufrizen Jufrizen
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economic: January, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1849

Abstract

The spread of Covid-19 in Indonesia has caused disruption in all sectors, including the economic sector. One of the economic sectors currently in the spotlight is the declining per capita income, while consumption must continue to run to meet daily life. The study aims to identify the financial behavior of Muhammadiyah people in Medan before and after the Covid-19 pandemic, especially in the aspects of consumption, cash flow management, saving, investment, and credit management. In addition, it measures whether there are differences in the financial behavior of Muhammadiyah people in Medan before and after the covid-19 pandemic, so that it can be a reference for what form of financial behavior should be. The impact of the Covid-19 pandemic is certainly a force majeure situation that can occur anytime and anywhere. Even though there are still many other force majeure events that can occur. It is a quantitative approach, with a statistically correlated parametric test (t test), if the data is not normal, then the Wilcoxon test is carried out. Based on the results of the study, it was found that there were significant differences between the financial behavior of Muhammadiyah people in Medan before and during the Covid-19 pandemic.
Financial Fragility dan Financial Behavior Masyarakat di Masa Pandemi Covid-19 Murviana Koto
Jurnal Akuntansi dan Pajak Vol 23, No 2 (2023): JAP : Vol. 23, No. 2, Agustus 2022 - Januari 2023
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v23i2.6450

Abstract

The COVID-19 epidemic began at the end of 2019 and continues to this day. Adaptation through the new normal lifestyle is still being promoted, and this is true in terms of both lifestyle and financial behavior. Individuals or families who are financially literate are expected to behave more responsibly. Good financial behavior is supposed to assist an individual or family in avoiding financial fragility. The findings of this study show that the level of financial fragility among the residents of Medan is pretty good with just 27% of all respondents. The findings of this study also show that while the residents have a poor degree of financial literacy, their financial behaviour is pretty decent. Even the public's financial behavior after the Covid-19 outbreak appears to be improving, demonstrating that people's behaviour is very adaptable to changing circumstances. Maintaining expenditures that are not more than income, being more careful to pay bills on time, improving behavior to save more consistently, and increasing efforts to set aside funds for emergency needs are all signs of improved financial behavior
EARLY WARNING SYSTEM OF BANKRUPTCY OF INDONESIAN BUSINESS-TO-CONSUMER (B2C) RETAIL Amidst MACROECONOMIC PRESSURE Murviana Koto
International Journal of Economic, Technology and Social Sciences (Injects) Vol. 7 No. 1 (2026): May 2026
Publisher : CERED Indonesia Institute

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Abstract

Corporate bankruptcy is generally preceded by a decline in financial performance that can be detected early through financial ratio analysis. Entering 2026, the business-to-consumer (B2C) retail sector in Indonesia faces new macroeconomic pressures in the form of a weakening rupiah and contracting retail sales, making early detection of bankruptcy risk crucial for investors and fund managers. This study evaluates the financial health of B2C retail companies listed on the Indonesia Stock Exchange using the Altman Z-Score model as an early warning system instrument, based on signaling theory and agency theory. A quantitative descriptive method was used with a sample of 15 pure B2C retail companies (60 annual financial report observations) for the 2021–2024 period, purposively selected from a population of 31 companies based on the completeness of audited reports and the purity of their B2C business models. The results show that the proportion of companies in the Safe Zone increased from 60.0 percent (2021) to 80.0 percent (2022 and 2024), reflecting a sharp post-pandemic recovery. However, two issuers were found to be consistently in the Distress Zone, indicating structural issues that make them vulnerable to further macroeconomic shocks. This study confirms that the Altman Z-Score is effective as an early warning tool to help investors and fund managers mitigate investment risks in the B2C retail sector amid increasing macroeconomic uncertainty.
ANALISIS ALTMAN Z''-SCORE SEBAGAI ALAT EARLY WARNING SYSTEM RISIKO FINANCIAL DISTRESS STUDI KASUS PT WASKITA KARYA (PERSERO) TBK Murviana Koto; Ikhsan Abdullah
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 7 No. 1 (2026): januari
Publisher : CERED Indonesia Institute

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Abstract

This study examines the level of financial distress risk at PT Waskita Karya (Persero) Tbk over the 2021–2024 period using the Altman Z''-Score model as an early warning system within the framework of financial risk management. The study is motivated by the persistent financial pressure faced by state-owned construction companies, characterized by high leverage, limited liquidity, and heavy reliance on long-term debt financing. Secondary data are obtained from audited consolidated financial statements and analyzed using a descriptive quantitative approach with a longitudinal case study design. The findings reveal that although the Z''-Score values demonstrate a gradual improving trend throughout the observation period, the company consistently remains within the distress zone, indicating a sustained and elevated risk of bankruptcy. These results confirm the effectiveness of the Altman Z''-Score model as an early warning tool for identifying financial risk and provide important implications for managerial decision-making and financial restructuring policies, particularly for highly leveraged construction firms operating in emerging markets.
The Effect of Career Adaptability and Social Support toward Student Careerself-Efficacy Murviana Koto; Hastina Febriaty; Satria Mirsya Affandi Nasution
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 2, No 3 (2019): October 2019
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v2i3.590

Abstract

In conditions of high competition to find a job, students need to make career preparations as early as possible. Career preparation is begun with making decisions about the career they want to get. Then in making preparations, they need the ability to adapt to the chosen career. In addition, the social support is also needed. This study was conducted on students in one of the private university in Medan, Sumatera Utara. The test results by using the Structural Equation Model (SEM) showed that there were significant positive relationship between the ability of career adaptability and social support with career decision-making self-efficacy. It also concluded that social support partially mediates the relationship between career adaptability and career decision- making self-efficacy.
Effect of Education Levels on North Sumatra Economy Hastina Febriaty; Murviana Koto; Sri Endang Rahayu
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 2, No 3 (2019): October 2019
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v2i3.586

Abstract

This study aims to determine the level of high school education (SMU) and Higher Education (PT) on the Economy of North Sumatra and to identify the effect of the level of education on the economy in North Sumatra. This type of research is a descriptive study, while the approach used is a quantitative approach with a sample of GRDP data and the Labor Force over 15 years with high school education levels (SMU) and Higher Education (PT) from 20002017. The type of data used is secondary data obtained from the Central Statistics Agency. The analysis technique used is the multiple linear regression analysis (OLS) method. The results of this study indicate that partially the level of high school education (SMA) has a positive and not significant effect on the Economy of North Sumatra and the level of education of the University (PT) has a positive and significant effect on the Economy of North Sumatra while simultaneously the level of high school education (SMU) and Higher Education (PT) has a positive and significant impact on the Economy of North Sumatra.
Co-Authors Abdullah, Ikhsan Ade Gunawan Ade Gunawan Angga Bayu Putra Wansa Boy Fadly Delyana R. Pulungan Hastina Febriaty Inanta Rizki Lubis Jufrizen Marviana, Ratna Dina Muhammad Andi Prayogi Muhammad Arif Muhammad Shareza Hafiz Rashid Ridho Satria Mirsya Affandi Nasution Sri Endang Rahayu Tika Nirmala Sari Yusnandar, Willy