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Pengaruh Financial Knowledge, Financial Attitude, Financial Experience, dan Income terhadap Financial Behavior pada Nasabah KPN Al-Muawwanah Uin Alauddin Makassar Wahyuni, Eka Dewi; Raprayogha, Rusdi
Study of Scientific and Behavioral Management Vol 2 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v2i2.21141

Abstract

Penilitian ini mengangkat judul pengaruh Financial Knowledge, Financial attitude, Financial Experience dan Income terhadap Financial Behavior yang ditujukan pada Nasabah Koperasi Al-muawwanah yang dikelolah oleh Universitas Islam Negeri Alauddin Makkassar. Dengan pendekatan pada penelitian Quantitive. Adapun teknik pengambilan sampel dengan menggunakan metode  purposive sampling dengan jumlah sampel sebanyak 150 responden. Data yang digunakan merupakan data primer atau data yang diambil langsung dari responden melalui kuesioner. Analisis data menggunakan analisis regresi linear berganda dengan menggunakan Program SPSS. Hasil penelitian menunjukkan bahwa secara simultan keempat variabel (X) memiliki pengaruh yang positif secara bersama terhadap financial behavior pada nasabah KPN Al-Muawwanah UIN Alauddin Makassar. Secara parsial financial knowledge (X1), financial experience (X3), dan income (X4) memiliki pengaruh yang positif dan signifikan terhadap financial behavior (Y), sedangkan financial attitude (X2) tidak memiliki pengaruh yang signifikan terhadap financial behavior.
Pengaruh Financial Literacy dan Self Efficacy terhadap Minat Kredit Pada Civitas Akademika Universitas Islam Negeri Alauddin di Koperasi Al-Muawwanah Raprayogha, Rusdi; Agustina, Ilsa
Study of Scientific and Behavioral Management Vol 2 No 3 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v2i3.23800

Abstract

Tujuan dalam penelitian ini untuk menguji secara empiris pengaruh Financial Literacy dan, self efficacy terhadap minat  kredit pada civitas akademika universitas islam negeri alauddin di koperasi al-muawwanah. Penelitian ini menggunakan pendekatan kuantitatif, teknik pengambilan sampel dalam penelitian ini menggunakan proportional random sampling, sehingga diperoleh sampel sebanyak 120 responden. Kemudian data dianalisis menggunakan metode kuantitatif yang menggunakan uji validitas dan realibilitas, uji asumsi klasik, analisis regresi berganda, koefisien determinasi, uji F dan uji t. Hasil penelitian ini menunjukkan bahwa Financial Literacy berpengaruh positif dan signifikan terhadap perilaku kredit pada, dan self efficacy  berpengaruh positif  terhadap perilaku kredit pada,dan secara simultan Financial Literacy, dan self efficacy berpengaruh  positif dan signifikan terhadap perilaku kredit pada pada Civitas Akademika UIN Alauddin Makassar. Kata Kunci: Financial, Literacy , Self Efficacy dan Kredit ABSTRACTThe purpose of this study is to empirically test the effect of Financial Literacy and self-efficacy on credit interest in the academic community of the State Islamic University of Al-Muawwanah at the Al-Muawwanah Cooperative. This study used a quantitative approach, the sampling technique in this study used proportional random sampling, so that a sample of 120 respondents was obtained. Then the data were analyzed using quantitative methods using validity and reliability tests, classical assumption test, multiple regression analysis, coefficient of determination, F test and t test. The results of this study indicate that Financial Literacy has a positive and significant effect on credit behavior, and self-efficacy has a positive effect on credit behavior, and simultaneously Financial Literacy and self-efficacy have a positive and significant effect on credit behavior in the UIN Alauddin Makassar Academic Community Keywords: Financial, Literacy, Self Efficacy and Credit
Pengaruh Overconfidence, Experienca dan Risk Perception Terhadap Pengambilan Keputusan Investasi Individu di Kota Makassar Fahmi, Zul Fahmi -; Raprayogha, Rusdi Raprayogha
Study of Scientific and Behavioral Management Vol 2 No 4 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v2i4.25935

Abstract

This study aims to examine the effect of overconfidence, experience and risk perception on investment decision making. This research is a quantitative research. The population in this study were all investors in Makassar City, with a sample of 120 investors who fit the predetermined criteria. The sampling technique used in this study was non-probability sampling. The data used in this research is primary data, with the data collection method in the form of a questionnaire (questionnaire). The data analysis technique used is validity and reliability test, classical assumption test and hypothesis test using multiple linear regression analysis method. The results showed that simultaneous overconfidence, experience, and risk perception have a significant effect on investment decisions. However, partially the overconfidence variable (X1) does not have a significant effect on investment decisions (Y), while the experience variable (X2) and risk perception (X3) have a significant positive effect on investment decisions (Y).
Pengaruh Intellectual Capital, Akses Pembiayaan, dan Sistem Informasi Manajemen (SIM) Terhadap Kinerja UMKM di Kota Makassar K, Rahmayani; Raprayogha, Rusdi; Bakhtiar, fauzia; Suhartini, Eka
Study of Scientific and Behavioral Management Vol 4 No 2 (2023): Literasi Keuangan 2023
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i2.39731

Abstract

Este tipo de investigación cuantitativa con una muestra de 150 encuestados a actores MIPYME en la ciudad de Makassar con muestreo utilizando la fórmula Hair. Mediante el procesamiento de datos utilizando SmartPLS (Partial Least Square) versión 4. Esta aplicación también se utiliza para probar o averiguar cómo las variables de capital intelectual, acceso a financiamiento y sistemas de información de gestión se relacionan con el desempeño de las MIPYME en la ciudad de Makassar. Los resultados de este estudio indican que el capital intelectual tiene un efecto positivo significativo en el desempeño de las MIPYME, el acceso a las finanzas tiene un efecto positivo significativo en el desempeño de las MIPYME y los sistemas de información gerencial (MIS) tienen un efecto positivo significativo en el desempeño de las MIPYME en la ciudad de Makassar.
Peran Love of Money dan Religiusitas pada Hubungan Machiavellian terhadap Persepsi Etis UMKM Bidang Kuliner di Kota Makassar: THE ROLE OF LOVE OF MONEY AND RELIGIOSITY IN MACHIAVELLIAN RELATIONS WITH THE ETHICAL PERCEPTION OF UMKM IN THE CULINARY SECTOR IN MAKASSAR CITY Muhammad Anis, Harry; Raprayogha, Rusdi; Bakhtiar, fauzia
Study of Scientific and Behavioral Management Vol 4 No 4 (2023): Human & Capital Management in new era
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v4i4.44599

Abstract

This research is a type of research with a quantitative approach with a sample of 150 respondents at MSME players in Makassar City with a sample withdrawal using the Hair formula. With data processing using SmartPLS.This application is also used to test or find out how the Machiavellian, Love of Money, and Religiosity variables relate to the Ethical Perceptions of MSMEs in the Makassar City Culinary Sector. The results of this study indicate that: 1. Machiavellian has a negative and significant effect on the ethical perceptions of MSMEs in the culinary sector in Makassar City; 2. Machiavellian has a positive and significant effect on the love of money of MSMEs in the culinary sector in Makassar City; 3. Love of money has a negative and significant effect on the ethical perceptions of MSMEs in the culinary sector in Makassar City; 4. Love of Money mediates the influence of Machiavellian on the Ethical Perceptions of MSMEs in the Culinary Sector in Makassar City; 5. Religiosity moderates the influence of Machiavellian on the Ethical Perceptions of MSMEs in the Culinary Sector in Makassar City. Keywords: Machiavellian, Love of Money, Religiousness, Ethical Perceptions of MSMEs.
Pengaruh Pengambilan Keputusan dan Pengambilan Resiko Terhadap Kinerja Usaha Franchise di Kota Makassar: The Role Moderating Of Financial Technology (Studi Pada Perusahaan Franchise BExpress Fried Chicken) Rosmini, Sri Wahyuningsi; Raprayogha, Rusdi; Farild, Miftha
Study of Scientific and Behavioral Management Vol 5 No 2 (2024): Business Management
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i2.46806

Abstract

This research aims to determine the influence of decision making and risk taking on the performance of franchise businesses in Makassar City: the moderating role of financial technology. This research uses primary data, the sampling technique in this research is purposive sampling technique using the Slovin formula, so the total sample in this research is 70 respondents. In this research, Structural Equation Modeling (SEM) was used using SmartPLS version 4.0 for Windows as a data analysis technique. The results of the research show that decision making has no direct effect on BExpress Fried Chicken Franchise business performance, risk taking has a significant positive effect on BExpress Fried Chicken Franchise business performance, decision making has a direct effect on Franchise business performance in Makassar City: through The Role Moderating of Financial Technology, and Risk taking has a direct effect on franchise business performance in Makassar City: through The Role Moderating of Financial Technology. Keywords: Decision Making, Risk Taking, Business Performance and Financial Technology.
Pengaruh Kepemilikan Manajemen dan Good Corporate Governance terhadap Penerapan Triple Bottom Line dengan Kinerja Keuangan sebagai Pemoderasi pada Perusahaan Sektor Perkebunan yang Terdaftar di Bursa Efek Indonesia Anggraeni, Anggraeni; Indriyani MS, Eka; Raprayogha, Rusdi
Study of Scientific and Behavioral Management Vol 5 No 3 (2024): Digital Culture Nowadays
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/ssbm.v5i3.49217

Abstract

This study aims to examine the effect of managerial ownership and good corporate governance on the triple bottom line, with financial performance as a moderator. The plantation sub-sector industry in Indonesia has contributed 54.99% of total GDP. This study uses moderated regression analysis. The sampling technique used is purposive sampling with a sample size of 10 companies for 3 years with a reporting period of 2020-2022. The results of the study partially show that management ownership has a positive and significant effect, while good corporate governance with the independence of commissioners, the board of commissioners has a positive and significant effect, while the audit committee, the board of directors has a negative and significant effect on the implementation of the triple bottom line. Simultaneously, the variables of management ownership and good corporate governance have a significant effect on the implementation of the triple bottom line. The results of the MRA financial performance study do not moderate the variables of management ownership and the Good Corporate Governance variable. This study still has shortcomings such as the research period, the minimum number of samples so that it is less able to provide the actual condition of the company.
PENGARUH INVESTMENT OPPORTUNITY SET, CORPORATE SOCIAL RESPONSIBILITY DAN RISIKO BISNIS TERHADAP NILAI PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI 2019-2023 Faradilla, Fani; Raprayogha, Rusdi
Study of Scientific and Behavioral Management Vol 6 No 3 (2025): Transformasi Kompetensi SDM dalam Era Digital: Strategi dan Implikasi Manajerial
Publisher : Universitas Islam Negeri Alauddin Makassar, Indonesia

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

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh investment opportunity set, corporate social responsibility dan risiko bisnis terhadap nilai perusahaan perbankan di bursa efek Indonesia pada tahun 2019-2023. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Metode penentuan sampel menggunakan purposive sampling maka diperoleh 9 sampel. Teknik analisis data yang digunakan adalah analisis regresi linear berganda. Metode pengumpulan data yang digunakan adalah metode dokumentasi, yaitu penggunaan data yang berasal dari dokumen-dokumen yang sudah ada. Data dalam penelitian ini berasal dari perusahaan yang terdaftar di BEI dengan analisis data menggunakan Statistical Product and Service Solutions (SPSS) melalui aplikasi SPSS 25. Hasil penelitian menunjukkan bahwa IOS tidak memiliki pengaruh signifikan terhadap nilai perusahaan, CSR berpengaruh negatif terhadap nilai perusahaan dan risiko bisnis berpengaruh positif signifikan terhadap nilai Perusahaan. Keterbatasan penelitian ini hanya meneliti 5 tahun yaitu 2019-2023, serta sampel yang digunakan hanya perusahaan perbankan konvensional   Kata kunci: Investment opportunity set; corporate social respomsibility; risiko bisnis; nlai perusahaan
PENGARUH KINERJA KEUANGAN TERHADAP HARGA SAHAM PADA SEKTOR INDUSTRI BARANG KONSUMSI YANG TERCATAT DI JAKARTA ISLAMIK INDEX (JII) Raprayogha, Rusdi; Rusnawati, Rusnawati; Abbas, Djamila
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 4 No 1 (2017): June
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v4i1.3139

Abstract

This study aims to determine the financial performance consisting of Current Ratio, Debt to Equity Ratio, ROA and ROE both partially and simultaneously influence to the stock prices on consumer goods industries listed at Jakarta Islamic Index (JII). This study uses secondary data quantitative form of financial report that is issued by the Indonesia Stock Exchange that includes the criteria of the companies listed at Jakarta Islamic Index are engaged in the consumer goods industry in the period of 2009-2013. Secondary data sourced from Indonesian Capital Market Directory (ICMD) and it can also be obtained from the study of literature, either in the form of textbooks or journals and articles obtained from various media. Results of this research show that: (1). Variable current ratio has a positive influence but it is not significant effect to the stock prices. (2). Debt to Equity ratio variables have a positive influence but it is not significant effect to the stock prices. (3). The Variable of Return On Asset has the most dominant influence to the stock prices. (4) The results in this study show, Return On Equity has significant influence to the stock prices. The results in this study show, Return On Asset has the most dominant influence on stock prices. Return on assets is a way of measuring the results (profits) obtained for each stock. The greater the return on assets, the ability to result the profit from each share will also increase. And Return On Equity has significant influence on stock prices. It has a positive relationship with stock prices, so the larger of the ROE, the market price is also great because of the ROE provide an indication that the decision to be received by investors will be high so that investors will be interested in buying these stocks and this will influence to the stock market price that will tend to rise ,
Pengaruh Motivasi, Persepsi Return, Dan Teknologi Informasi Terhadap Keputusan Investasi Syariah Dengan Perilaku Euangan Sebagai Pemoderasi Pada Gen Z Di Kota Makassar Ramadhan, A. Arief Akbar; Rusdi Raprayogha; Eka Indriyani MS
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 5 No. 5: April 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v5i5.16890

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh motivasi, persepsi return, dan teknologi informasi terhadap keputusan investasi syariah pada Generasi Z di Kota Makassar, serta menguji peran perilaku keuangan sebagai variabel moderasi. Fokus pada investasi syariah diambil untuk merespons tren peningkatan minat investor muda terhadap instrumen keuangan inklusif yang bebas riba. Hasil penelitian ini diharapkan dapat memberikan kontribusi strategis dalam upaya penguatan inklusi keuangan syariah di kalangan generasi muda. Penelitian ini menggunakan jenis penelitian kuantitatif dengan pendekatan asosiatif. Sampel penelitian ditetapkan sebanyak 125 responden yang berasal dari Generasi Z aktif di pasar modal syariah Kota Makassar, dipilih melalui teknik purposive sampling. Metode analisis data yang digunakan adalah Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS) 4.0. Hasil penelitian membuktikan bahwa motivasi, persepsi return, dan teknologi informasi berpengaruh positif dan signifikan terhadap keputusan investasi syariah. Teknologi informasi menjadi faktor yang paling kuat pengaruhnya dibandingkan variabel lain. Kontribusi utama ditemukan pada peran moderasi perilaku keuangan yang selektif, perilaku keuangan berhasil memperkuat hubungan antara persepsi return dan keputusan investasi syariah, namun perilaku keuangan gagal memoderasi pengaruh motivasi dan teknologi informasi terhadap keputusan investasi syariah.