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Literasi Keuangan, Toleransi Risiko, dan Pengelolaan Keuangan Pelaku Usaha Mikro: Financial Literacy, Risk Tolerance, and Financial Management of Micro-enterprise Actors Heni Hirawati; Yacobo P Sijabat; Axel Giovanni
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.277

Abstract

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy and tolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.
PENGARUH SELF-EFFICACY DAN WORKLOAD TERHADAP TURNOVER INTENTION MELALUI WORK LIFE BALANCE SEBAGAI MEDIASI (Studi Empiris Pada PT Putra Albasia Mandiri) Ahmad Shobirin; Dian Marlina Verawati; Axel Giovanni
Modus Vol. 35 No. 2 (2023): Vol. 35 No. 2 (2023): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v35i2.7330

Abstract

Company goals cannot be realized without the involvement of human resources so human resources can be the key to success and the company's capital to have a competitive advantage. The important role of human resources makes companies need to pay attention and manage employees well so that competent employees in the company do not leave the company because they have turnover intention due to a lack of company attention. PT Putra Albasia Mandiri has an employee turnover phenomenon of 26.66% in the 2017-2021 period. This study aims to provide empirical evidence regarding the role of self-efficacy and workload on turnover intention through work-life balance. The objects in this study were production employees of PT Putra Albasia Mandiri. The sampling method used simple random sampling with a total sample of 171 employees. Data analysis was performed using structural equation modeling and the Sobel test. The results of the study provide empirical evidence that self-efficacy affects work-life balance. Workload affects work-life balance. Self-efficacy does not affect turnover intention. Workload does not affect turnover intention. Self-efficacy and workload affect turnover intention through work-life balance. Work-life balance acts as a full mediation in this study. Based on these findings, companies must be more proactive in managing employees to avoid turnover intention and look for other jobs. Employee turnover intention must receive special attention from the company so that there is no trend of high employee turnover from year to year. Keywords: Self-Efficacy, Workload, Work-Life Balance, Turnover Intention. Tujuan perusahaan tidak dapat terwujud tanpa adanya keterlibatan dari sumber daya manusia, sehingga sumber daya manusia dapat menjadi kunci kesuksesan dan modal perusahaan untuk memiliki keunggulan kompetitif. Peran penting sumber daya manusia membuat perusahaan perlu memberikan perhatian dan mengelola karyawan dengan baik, supaya karyawan yang berkompeten di perusahaan tidak keluar dari perusahaan karena mempunyai turnover intention akibat kurangnya perhatian perusahaan. PT Putra Albasia Mandiri memiliki fenomena turnover karyawan sebesar 26,66% dalam kurun waktu 2017-2021. Penelitian ini bertujuan untuk memberikan bukti empiris mengenai peran self-efficacy dan workload terhadap turnover intention melalui work-life balance. Objek dalam penelitian ini adalah karyawan produksi PT Putra Albasia Mandiri. Metode pengambilan sampel menggunakan simple random sampling dengan jumlah sampel sebanyak 171 karyawan. Analisis data dilakukan dengan menggunakan structural equation modelling dan uji Sobel. Hasil penelitian memberikan bukti empiris bahwa self-efficacy berpengaruh terhadap work-life balance. Workload berpengaruh terhadap work-life balance. Self-efficacy tidak berpengaruh terhadap turnover intention. Workload tidak berpengaruh terhadap turnover intention. Self-efficacy dan workload berpengaruh terhadap turnover intention melalui work-life balance. Work-life balance berperan sebagai full mediation dalam penelitian ini. Berdasarkan hasil temuan ini, perusahaan harus lebih proaktif dalam mengelola karyawan untuk menghindari turnover intention dan mencari pekerjaan lain. Turnover intention karyawan harus mendapatkan perhatian khusus oleh perusahaan agar tidak terjadi tren turnover karyawan yang tinggi dari tahun ke tahun. Kata kunci: self-efficacy; workload; work-life balance; turnover intention.
Determinasi Konsentrasi Kepemilikan dan Tipe Kepemilikan terhadap Kinerja dan Risiko Perbankan di Indonesia: The Determination of Concentration and Type of Ownership on Bank Performance and Risks in Indonesia Yacobo P Sijabat; Michael Jeffri Sinabutar; Heni Hirawati; Axel Giovanni
Society Vol 8 No 1 (2020): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v8i1.152

Abstract

This research aims to examine the determination of concentration and type of ownership on the performance and risks of banks listed on the Indonesia Stock Exchange (IDX) for the period 2000-2018. This research was quantitative research using panel data regression analysis methods. The main characteristic of panel data regression analysis is the use of the Hausman test. Data were obtained and collaborated from several data providers such as Osiris, Bloomberg, and the Financial Services Authority (Otoritas Jasa Keuangan or OJK) website. Secondary data were collected from 42 banks listed on the Indonesia Stock Exchange (IDX) using a purposive sampling technique. The data was processed using Stata software. The ownership concentration was measured using the Herfindahl-Hirschman Index (HHI) and foreign and domestic ownership as the proxy using the dummy variable. To measure bank performance, this research was used ROA and ROE proxy while the standard deviation of returns was used to measure bank risks. The results of the research showed that there was no effect of ownership concentration on bank performance. Also, domestic ownership has a positive effect on bank performance. In terms of risks, ownership concentration has a positive effect on bank risks. The more concentrated the ownership of the bank, the bank will more at risks. Besides, foreign and domestic ownership affects bank risks. Foreign ownership has a positive effect on bank risks. The level of foreign ownership of the bank affects bank risks. High foreign ownership puts the bank at risk.
Literasi Keuangan, Toleransi Risiko, dan Pengelolaan Keuangan Pelaku Usaha Mikro Heni Hirawati; Yacobo P Sijabat; Axel Giovanni
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.277

Abstract

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy and tolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.
Strategi Pengembangan Ekonomi Kawasan Wisata Borobudur Menggunakan Pendekatan Analisis SWOT Dan QSPM Budi Hartono; Hanung Eka Atmaja; Axel Giovanni; Clarisa Alfa Lionora; Alief Rizaldi; Aldo Arul Hermawan; Yoga Aji Kusuma
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 6 No. 1 (2025): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v6i1.2187

Abstract

Pengembangan kawasan wisata Borobudur, yang diakui sebagai Situs Warisan Dunia UNESCO, memiliki potensi besar untuk mendukung pertumbuhan ekonomi lokal. Namun, kawasan ini menghadapi berbagai tantangan, termasuk infrastruktur yang kurang memadai, kebijakan yang terfragmentasi, dan rendahnya kesadaran pengunjung terhadap pelestarian situs. Penelitian ini bertujuan untuk merumuskan strategi pengembangan yang komprehensif dengan mempertimbangkan aspek sosial dan ekonomi, sekaligus meningkatkan kolaborasi antara pemerintah, pengelola wisata, dan masyarakat lokal. Pendekatan deskriptif kualitatif digunakan dalam penelitian ini untuk memahami secara mendalam fenomena yang terjadi di kawasan Borobudur. Data primer dikumpulkan melalui observasi, wawancara semi-terstruktur, dan kuesioner, sedangkan data sekunder diperoleh dari literatur dan publikasi terkait. Analisis dilakukan menggunakan matriks Internal-Eksternal (IE), analisis SWOT, dan Matriks Perencanaan Strategis Kuantitatif (QSPM) untuk mengidentifikasi strategi yang paling sesuai bagi usaha kecil dan menengah (UKM) di sekitar Candi Borobudur. Analisis SWOT mengungkapkan beberapa kekuatan Candi Borobudur, seperti kualitas produk yang tinggi, keberagaman pedagang makanan, serta antusiasme pelaku UKM dalam mengikuti program pelatihan. Namun, terdapat kelemahan signifikan, termasuk rendahnya kesadaran pengunjung terhadap pelestarian candi, kebersihan yang buruk, dan infrastruktur yang tidak memadai. Peluang yang ada meliputi meningkatnya minat pengunjung terhadap wisata budaya, dukungan dari pemerintah dan UNESCO, serta potensi pengembangan UKM di kawasan tersebut. Sebaliknya, ancaman yang dihadapi mencakup aksi vandalisme oleh wisatawan, dampak negatif terhadap nilai sosial dan budaya masyarakat lokal, serta persaingan dari destinasi wisata lain. Melalui QSPM, strategi Strength-Opportunity (S-O) diidentifikasi sebagai prioritas utama dengan Total Attractiveness Score (TAS) sebesar 4,10114. Strategi ini menekankan pemanfaatan kekuatan internal untuk meraih peluang eksternal, seperti menjalin kolaborasi antara UKM dan agen perjalanan, serta mengoptimalkan pendanaan dari sumber nasional maupun internasional. Meskipun penelitian ini memberikan wawasan yang berharga, terdapat keterbatasan berupa potensi bias data dan fokus yang sempit pada kawasan Candi Borobudur. Penelitian di masa depan disarankan untuk mengintegrasikan data kuantitatif dan kualitatif, melakukan studi longitudinal, serta memanfaatkan teknologi digital untuk meningkatkan pengalaman pengunjung dan mempromosikan produk lokal. Dengan pendekatan yang lebih holistik dan berfokus pada pelestarian ekosistem, Borobudur dapat berkembang menjadi destinasi unggulan yang mendukung konservasi warisan budaya dan memberdayakan ekonomi lokal.
Competitive Intensity dan Struktur Modal Dwi Wahyu Lestari; Fina Khoirotul Badi’ah; Axel Giovanni
AKUNTANSI 45 Vol. 5 No. 2 (2024): Jurnal Ilmiah Akuntansi
Publisher : Fakultas Ekonomi Program Studi Akuntansi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/akuntansi45.v5i2.3350

Abstract

The aim of this research is to examine the effect of competitive intensity on capital structure, with profitability as a control variable. The type of research used in this study is quantitative with an associative approach. The sample for this research was taken using a purposive sampling method, and a sample of 20 companies was obtained that met the research criteria. The data analysis technique used in this research is multiple linear regression analysis. The results of this research show that competitive intensity has an influence on capital structure.
Investment Decision Quality Improvement Model in the Context of Behavioural Finance Kurniasari, Erika; Giovanni, Axel; Nurunnisa, Ika Amalia; Fitriani, Maulida Eka; Fajrin, Nurul Afisa; Nizhaty, Putri Zahra
JURNAL BISNIS STRATEGI Vol 33, No 2 (2024): December
Publisher : Magister Manajemen, Fakultas Ekonomika dan Bisnis Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jbs.33.2.108-123

Abstract

This study aims to identify themes, trends, and networks in the mechanisms that shape the quality of investment decisions in the context of behavioural finance using bibliometric. The results show that good financial literacy can reduce the negative influence of cognitive biases such as heuristics, framing effects, and herd mentality in investment decision-making. In addition, improved financial literacy also plays a role in moderating the effects of behavioural biases on investment decisions, resulting in more rational and profitable decisions. Therefore, financial literacy is an effective strategy to improve the quality of investment decisions by reducing the impact of cognitive biases.
Pengaruh Harga Dan Kualitas Produk Terhadap Keputusan Pembelian Smartphone Xiaomi Rika Ernawati; Axel Giovanni
Jurnal Bintang Manajemen Vol. 1 No. 2 (2023): Juni : Jurnal Bintang Manajemen
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jubima.v1i2.1438

Abstract

As the world of technology develops, various kinds of smartphones appear on the market, so that this makes competition even tighter. The research aims to determine the effect of price and product quality on Xiaomi smartphone purchasing decisions. The population used in this study were students who are domiciled in Magelang Regency with a sample of 100 respondents. The sampling technique used in this research is purposive sampling technique. Based on the results of the analysis that has been done, it is concluded that price (X1) has a positive but not significant influence on purchasing decisions. While it is known that the product quality variable (X2) has a positive and significant influence on purchasing decisions.
Roa And Roe Analysis Of HIMBARA Bank Performance In Cooperation With ATM Merah Putih Muhammad Ferdy Firmansyah; Axel Giovanni
Akuntansi Vol. 2 No. 2 (2023): Juni : Jurnal Riset Ilmu Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v2i2.248

Abstract

The writing of this article is to determine the effect of the Red and White ATM on the financial performance of HIMBARA Bank. By using research data from 2016 to 2020. Financial performance is measured by the profitability ratio as seen from the Return On Assets (ROA) and Return On Equity (ROE) ratio. This research is a qualitative research. The data used are financial report data obtained from the respective official websites. The research sample is 4 banks which are included in HIMBARA bank. Data analysis used Paired sample t-test analysis. The results showed that the red and white ATM affects the financial performance of HIMBARA bank.
Confirmation Bias and Investment Decisions Astuti, Nur Afifah Hindriyani; Giovanni, Axel; Marwiyah, Siti; Budiani, Dina; Anggraeni, Yuniar Fitri; Wibawa, Athfin Ghani
Hasanuddin Economics and Business Review VOLUME 8 NUMBER 3, 2025
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v8i3.5868

Abstract

This study aims to analyze the extent of development regarding research on the relationship between confirmation bias and investment decisions based on google scholar data base using bibliometric analysis, so as to see further research opportunities. The method used in this research is descriptive bibliometric analysis. There are 500 articles from the search results through Publish or Perish indexed by Google Scholar in 2000-2020 which are then stored in RIS format and processed through VOSviewer. The results of the co-authorship analysis show that Mikalef, P., Barber, B.M., and Grili, L. have the highest publication rate on this topic, both producing 5 documents. In addition, this analysis also shows a relationship that is divided into 3 clusters. While the results of co-occurrence analysis show that there are 8 clusters based on terms that become keywords in the article. Based on the results of bibliometric analysis, the topic of investment and confirmation bias has the brightest color than other keywords. This indicates that the topic has been widely used. Then based on overlay visualization on co-occurrence, the topic of investment and confirmation bias has a blue color. This indicates that research on these topics was widely conducted from 2000 to 2010. The keywords investment and confirmation bias have the brightest color than other keywords. This shows that many of the 500 articles analyzed through VosViewer have used these keywords.
Co-Authors 12.520.20.206 Shinta Ratnawati, 12.520.20.206 Adam Rizki Pratama Afifawati, Nisrina Afrizal Dimas Ibrahim Ahmad Shobirin Aldo Arul Hermawan Alief Rizaldi Alifa Jauzaa Alifa Jauzaa Alifaa Jauzaa Anak Agung Istri Sri Wiadnyani Ananda, Emmaculata Sac Cid Anggraeni, Yuniar Fitri Aprilia, Vierda Dwi Asanik Asanik Asih Ariyanti Asri Khayati Asri Khayati Asri Khayati Astuti, Nur Afifah Hindriyani Aulia Rahma Khusnul Khotimah Aviana Devita Budi Hartono Budi Hartono Budi Rahardjo Budiani, Dina Candra Kurnia Saputri Clarisa Alfa Lionora Clarisa Alfa Lionora Devi Santi Devi Wahyu Utami Devi Wahyu Utami Devi Wahyu Utami Dewantara, Ghiyats Furqan Dinda Putri Murtiningtyas Dinda Putri Murtiningtyas Dwi Wahyu Lestari Eka Widiyaningrum Erman Denny Arfianto Fadlilah, 'Atikah Nur Fajrin, Nurul Afisa Fakhrurozi, Ahmad Khusein Fania Fania Fania Fania Fina Khoirotul Badi’ah Fitriana, Yenny Reiza Fitriani, Maulida Eka Haelin Nur Defita Hanifah Soma Pandya Hanung Eka Atmaja Harjum Muharam Heni Hirawati hirawati, heni Ibnu Nur Hamzah JANAH, NURUL Jihad Lukis Panjawa Juniar Perbawani Khairul Ikhwan Khasanah, Lia Khusna, Siti Lailatul Kurniasari, Erika Laisa Sofiana Nur Fandhilah Lathif, Muhammad Zaki Malik Abu Yazid Michael Jeffri Sinabutar Muhammad Adi Nugrahatama Muhammad Albi Maulana Muhammad Ferdy Firmansyah Muhammad Rafqi Nurulhaq Musthafa, Afif Nava Yansi Anggraeni Nibras Anny Khabibah Nisrina Afifawati Nizhaty, Putri Zahra Novi Sintya Dewi Novitaningtyas, Ivo Nurunnisa, Ika Amalia Pradito, Andika Dwi Prakoso, Jalu Aji Pratama, Arfananda Dias Pratiwi, Anggi Saktiya Putri, Namira Rahma Retno Siwi Nastitiningrum Rika Ernawati Rika Ernawati Rindho , Roe Nur Ahmad Roro Diyah Puspita Sari Roro Diyah Puspita Sari Salfia Putri Dewina Santri Satrio Tegar Sadewo Sholeh Nur Rohmat Sijabat, Yacobo Sijabat, Yacobo P Sijabat, Yacobo P. Sikni Aini Widadti Siti Marwiyah Sufi Citra Pratiwi Sugiharti, Retno Suryatimur, Kartika Pradana Suwono, Priyo Thesya Yuzevin Tsalis Baiti Nur Andayani Umi Dwi Astuti Umi Dwi Astuti Utami, Devi Wahyu Verawati, Dian Verawati, Dian Marlina Veronica Novelia Pretty Puji Hartati Wibawa, Athfin Ghani Widayanti, Ipuk Wildan Yudhanto Witantri, Galuh Yacobo P Sijabat Yacobo P Sijabat Yacobo P. Sijabat Yacobo P. Sijabat Yoga Aji Kusuma