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All Journal Krisna: Kumpulan Riset Akuntansi JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Pendidikan Islam Maneggio: Jurnal Ilmiah Magister Manajemen Al-MARSHAD: Jurnal Astronomi Islam dan Ilmu-Ilmu Berkaitan Owner : Riset dan Jurnal Akuntansi IJISH (International Journal of Islamic Studies and Humanities) Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum International Journal of Business Economics (IJBE) Aghniya: Jurnal Ekonomi Islam Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceeding International Seminar of Islamic Studies International Journal Of Economics Social And Technology Journal of International Conference Proceedings Jurnal Pendidikan Islam
Radiman Radiman
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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The Influence of Financial Literacy, Financial Behavior, and Income on Investment Decisions (2018 Student Case Study for Management Study Program Universitas Muhammadiyah Sumatera Utara) Sri Fitri Wahyuni; Radiman Radiman; Rita Nara
Journal of International Conference Proceedings (JICP) Vol 5, No 2 (2022): BEFIC Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v5i2.1709

Abstract

An investment decision is to set aside some stages to try to obtain investment returns or profits in the future. One of the factors needed to make an investment is capital or funds. The author's goal is to see the effect of financial literacy, financial behavior, income from decisions on students of the faculty of economics, management study program class of 2018. The number of samples in this study were 84 and using the Slovin formula. The technical analysis in this study uses multiple linear regression analysis, multiple correlation, termination, t test and F test. The results of this study indicate that financial literacy (X1) has a positive and significant effect on entry decisions (Y). Financial behavior (X2) has no effect on successful decisions (Y). Income (X3) has no effect on successful decisions (Y). Financial literacy, financial behavior, income simultaneously have a significant effect on investing decisions (a case study of students of the 2018 class of management study program at the Muhammadiyah University of North Sumatra). Keywords: Financial Literacy, Behavior, Income, Investment Decisions.
Peluang dan Tantangan Financial Technology (Fintech) dalam Sistem Pembayaran Berbasis QRIS Pada UMKM di Kecamatan Medan Kota Sahdila Putri; Radiman Radiman
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v4i2.11734

Abstract

This study aims to determine the opportunities and challenges of Financial Technology (Fintech) in a QRIS-based payment system for MSMEs in Medan Kota District. The research method used in this study is a descriptive qualitative research method with an empirical approach. The results of research on 30 UMKM show that Fintech Opportunities in a QRIS-based payment system create sales revenue for MSMEs through collaboration with Fintech in a QRIS-based payment system which can market these products to E-commerce that has collaborated such as Grab, Gojek, Shopeefood and other. This QRIS payment is very practical, with one scan, the payment process has been completed and is done with only one barcode. Its strengths are facilitating service access, facilitating transactions, avoiding counterfeit money, no need to provide cash and automatic recorded transactions. Meanwhile, the challenges of Fintech in the QRIS-based payment system with current technological developments have made the community meet their daily needs with all-digital means and help SMEs in marketing their products online. However, there is still a lack of understanding in the use of these technologies which is one of the problems in this progress. As for the number of technological crimes that make users more vigilant. For MSMEs, the existence of QRIS payments is very beneficial for them, but it is weighed down by the admin fees that are borne by merchants not borne by consumers, called the MDR (Merchant Discount Rate) of 0.7%. The weakness is that it depends on the internet network and smartphone ownership which is not evenly distributed for the whole community.
Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa Sri Fitri Wahyuni; Radiman Radiman; Dini Kinanti
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 1 (2023): Article Research Volume 7 Issue 1, Januari 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i1.1304

Abstract

Financial behavior is a person's ability to manage planning, budgeting, checking, managing, controlling, finding and storing daily financial funds. One of the factors that influence financial behavior is knowledge about financial literacy. The author's purpose is to determine the effect of financial literacy, hedonic lifestyle and personal financial attitudes on financial behavior in students of the economics faculty of management study program class l2018. The numberl of samplesl in thisl study werel 84 students usingl the slovinl formula. Thel analysis technique inl this studyl uses multiplel linear lregression, multiple correlationl determination, t testl and F ltest. Thel results ofl this studyl indicate thatl financial literacyl (X1) hasl a positivel and significantl effect onl financial behavior (Y). Hedonic Lifestyle (X2) hasl no effectl on financial behavior (Y). Personal financial attitude (X3) hasl no effectl on financial behavior (Y). Financiall literacy, hedonic lifestyle and personal financial attitudes simultaneously have a significant effect on financial behavior (studentsll of the 2018 classl of managementl study programl at Universitas Muhammadiyahl Sumatera Utara).
Student Entrepreneurial Intention Based on Proactive Personality, Self-Efficacy and Anticipatory Entrepreneurial Cognitions Dedek Kurniawan Gultom; Muhammad Arif; Willy Yusnandar; Radiman Radiman
International Journal of Business Economics (IJBE) Vol 4, No 2 (2023): MARCH - AUGUST 2023
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ijbe.v4i2.13755

Abstract

This study aims to produce a Model Construction of Student Entrepreneurial Intentions Based on Proactive Personality, Self-Efficacy, and Anticipatory Entrepreneurial Cognitions. While the specific objective is to identify the factors that influence Student Entrepreneurial Intentions and generate Model Construction of Student Entrepreneurial Intentions Based on Proactive Personality, Self-Efficacy, and Anticipatory Entrepreneurial Cognitions. The population used in this study were students of the Faculty of Economics and Business from several of the best Islamic tertiary institutions in the city of Medan with the criteria that these universities have an Islamic vision and mission, and have a business incubator center or entrepreneurship center. The data analysis technique used in this research is descriptive analysis, both qualitative and quantitative. Data analysis with statistics used is Structural Equation Modeling with data processing using LISREL 8.80 software. The results of the study show that the Active Personality variable has a significant positive effect on Self-Efficacy. Active Personality Variable has a positive effect on Entrepreneurial Intentions significantly. Self-Efficacy Variable has a significant positive effect on Anticipatory entrepreneurial cognitions. The Self-Efficacy variable has a significant positive effect on Entrepreneurial Intentions. The anticipatory entrepreneurial cognitions variable has a significant positive effect on Entrepreneurial Intentions
PERAN DAN KONTRIBUSI OIF UMSU DALAM PENGENALAN ILMU FALAK DI SUMATERA UTARA Muhammad Qorib; Zailani Zailani; Radiman Radiman; Amrizal Amrizal; Arwin Juli Rakhmadi
Jurnal Pendidikan Islam Vol. 10 No. 2 (2019)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jpi.v10i2.3735

Abstract

Astronomy is counted as a natural science that always gets the most attention of humans all the time. Lately, in Indonesia began to appear astronomical observatories that examine various things. The Falak Observatory of the University of Muhammadiyah North Sumatra (OIF UMSU) is one that has played an important role in the development of astronomy in Indonesia, especially in North Sumatra. In this observatory there are classical and modern astronomical tools. Among the role and contribution of this observatory is to provide information for students about the phenomenon and importance of astronomy, then training for students, astronomy studies, and others. The existence of this observatory is basically an appreciation of science and technology that are part of civilization.
THE INFLUENCE OF GROWTH OPPORTUNITY, EXPENDITURE AND COMPANY VALUE ON CASH HOLDING IN MINING SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE Radiman Radiman; Sri Fitri Wahyuni; Ike Nurjanah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 1 No. 1 (2021): October (October-December)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v1i1.52

Abstract

The aims of this study are to: (1) find out and analyze the effect of growth opportunity on cash holding, (2) find out and analyze the effect of expenditure on cash holding, (3) find out and analyze the effect of firm value on cash holding, and (4) find out and analyze the growth opportunity, expenditure and company value together have an effect on cash holding. The population in this study are all mining companies listed on the Indonesia Stock Exchange as many as 48 companies and the research sample as many as 8 companies with 5 years of observation. Data collection techniques in this study using documentation techniques. The data analysis technique in this study uses the Classical Assumption Test, Multiple Linear Regression, t-test and F-test, and the Coefficient of Determination.
THE INFLUENCE OF GROWTH OPPORTUNITY, EXPENDITURE AND COMPANY VALUE ON CASH HOLDING IN MINING SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE Radiman Radiman; Sri Fitri Wahyuni; Ike Nurjanah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 1 No. 2 (2022): January (January-March)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (514.674 KB) | DOI: 10.54443/morfai.v1i2.101

Abstract

The aims of this study are to: (1) find out and analyze the effect of growth opportunity on cash holding, (2) find out and analyze the effect of expenditure on cash holding, (3) find out and analyze the effect of firm value on cash holding, and (4) find out and analyze the growth opportunity, expenditure and company value together have an effect on cash holding. The population in this study are all mining companies listed on the Indonesia Stock Exchange as many as 48 companies and the research sample as many as 8 companies with 5 years of observation. Data collection techniques in this study using documentation techniques. The data analysis technique in this study uses the Classical Assumption Test, Multiple Linear Regression, t-test and F-test, and the Coefficient of Determination.
PENGARUH CORPORATE SOCIAL RESPONSIBILITY (CSR) TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) R Radiman
KRISNA: Kumpulan Riset Akuntansi Vol. 11 No. 1 (2019): Krisna: Kumpulan Riset Akuntansi
Publisher : Faculty of Economics and Business, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/kr.11.1.2019.60-70

Abstract

This research aims to test and analyze the effect of the influence of corporate social responsibility (CSR) on financial performance in mining companies listed on the Indonesia Stock Exchange (IDX). In addition, this research aims is to determine how much the contribution of the independent variable Corporate Social Responsibility affects the dependent variable Return On Asset and Return On Equity. The population in this research is a mining company listed on the Indonesia Stock Exchange, which amounts to 41 companies. sampling in this research using purposive sampling technique, so that the sample obtained amounted to 10 companies. This type of research is quantitative and the data analysis technique used is multiple linear regression which was previously tested with the classic assumption test. Then testing the hypothesis, namely the t test and testing the coefficient of testing. The data analysis technique is assisted by using SPSS version 16 for windows. The results showed that partially Corporate Social Responsibility did not significantly influence Return On Assets and Corporate Social Responsibility did not significantly influence Return On Equity. The coefficient of determination (Rç°¡) is 0.009, in this case the contribution of the variable Corporate Social Responsibility that affects Return On Assets and Return On Equity in Mining companies listed on the Indonesia Stock Exchange is 7% while the remaining 93% is influenced by other variables not examined in this research.
Optimizing Transaction Efficiency of Perumda Tirtauli Employees: The Role of Personal Financial Management and the Use of Mobile Banking with Financial Technology as a Mediator Radiman Radiman; Sri Fitri Wahyuni; Nazwa Suzan
International Journal Of Economics Social And Technology Vol. 5 No. 1 (2026): Maret-Mei 2026
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v5i1.1530

Abstract

The rapid growth of digital financial services has increased the importance of understanding factors that influence transaction efficiency. However, limited studies have examined the mediating role of financial technology in the relationship between personal financial management, mobile banking usage, and transaction efficiency. This study aims to analyze the direct and indirect effects of personal financial management and mobile banking usage on transaction efficiency through financial technology among employees of Perumda Tirtauli, Pematangsiantar City. Using a quantitative associative approach, data were collected from all 100 permanent employees through a saturated sampling technique. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine both direct and mediating relationships among variables. The results show that personal financial management and mobile banking usage do not directly affect transaction efficiency. However, both variables positively and significantly influence financial technology, which in turn has a significant positive effect on transaction efficiency. Financial technology mediates the effect of personal financial management on transaction efficiency but does not mediate the effect of mobile banking usage. This study highlights the important role of financial technology in enhancing transaction efficiency and contributes to the literature by explaining its mediating function in digital financial behavior.
Co-Authors Abu Yazid Raisal Ade Gunawan Adi Munasib Amrizal Amrizal Arwin Juli Rakhmadi Dedek Kurniawan Gultom Dini Kinanti Eni Mawarsih Ike Nurjanah Ike Nurjanah Jufrizen Khalisah Khalisah Maya Sari Muhammad Arif Muhammad Qorib Muhammad Shareza Hafiz Mukmin Pohan Nazwa Suzan Rita Nara Sahdila Putri Said Muhammad Rizal Sri Fitri Wahyuni Tsamara Athifah Tupti, Zulaspan YUDI SISWADI Yusnandar, Willy Zailani, Zailani