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All Journal MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Research Report - Social Science Journal of Economics, Business, & Accountancy Ventura Gadjah Mada International Journal of Business JMM17: Jurnal Ilmu Ekonomi dan Manajemen PROFIT : Jurnal Administrasi Bisnis Jurnal Ilmiah Econosains Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Manajemen & Keuangan Jurnal ASET (Akuntansi Riset) JMM (Jurnal Masyarakat Mandiri) JCES (Journal of Character Education Society) Almana : Jurnal Manajemen dan Bisnis Economics and Finance in Indonesia JIA (Jurnal Ilmiah Akuntansi) Jurnal Muara Ilmu Ekonomi dan Bisnis Kumawula: Jurnal Pengabdian Kepada Masyarakat Valid Jurnal Ilmiah Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal ABDINUS : Jurnal Pengabdian Nusantara Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Jurnal Pengabdian kepada Masyarakat Nusantara JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Movere Journal Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Accounting and Finance Studies Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Social And Economics Research Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Pengabdian Kepada Masyarakat Economic and Finance in Indonesia journal of social and economic research SUBAKTYA, Unpar Community Service Journal E-JURNAL AKUNTANSI
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SEKURITISASI ASET SEBAGAI PELUANG BISNIS DAN PENINGKATAN SOLVABILITAS PERUSAHAAN Vera Intanie Dewi
Bina Ekonomi Vol. 10 No. 1 (2006)
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (646.991 KB) | DOI: 10.26593/be.v10i1.829.%p

Abstract

Securitization is a recent innovation in asset sales. It involves the pooling and repackaging of loans into securities that are then sold to investors. Securitization was originated in 1970, when the Government National Mortgage Association (GNMA) developed the GNMA pass-through, a mortgage-backed security. Since then commercial banks, savings and loan associations, and various non-deposit-based firms have securitized multifamily and commercial mortgage loans, automobile loans, credit card receivable, various trade receivables, and other types of assets. The benefits from securitization include protection from interest-rate risk, increased liquidity and diversification for original lenders and for investors; a more efficient flow of capital from investors to borrowers. Securitization may enable institutions to attract long-term funds which are more profitable than institutions using conventional tools, and it also provides the originator with a new source of fee income from originating and servicing the securitized assets.
Women’s Financial Literacy: Perceived Financial Knowledge and Its Impact on Money Management Vincent Gunawan; Vera Intanie Dewi; Triyana Iskandarsyah; Irsanti Hasyim
Economics and Finance in Indonesia Volume 67, Number 1, June 2021
Publisher : Institute for Economic and Social Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.828 KB) | DOI: 10.47291/efi.v67i1.720

Abstract

This paper presents an empirical study on women’s financial literacy in a developing country, Indonesia. Financial literacy in developing countries, especially for women, needs to be improved. Traditionally, women have an important role in managing family finances. Their ability to conduct good financial management can help their family’s financial stability and improve its welfare. If women do not have adequate capacity to manage the family’s finances, the family’s economic health can be at risk. Having financial literacy is important as it provides financial resilience at times of uncertainty. This explanatory research uses a sample comprising 100 women living in the city of Bandung, Indonesia, who are in the Baby Boomer generation as well as in Generations X, Y, and Z. The data were collected through an online questionnaire and analyzed using partial least squares structural equation modeling (PLS-SEM). The results provide evidence that perceived financial knowledge has a significant effect on financial management behavior in the dimensions of savings behavior, shopping behavior, long-term planning, and short-term planning. Moreover, the study results show that the respondents have a moderate level of financial literacy and financial management behavior.
Analisis Risk-Adjusted Return sebagai Sarana Evaluasi Aset Kripto (Studi pada Bloomberg Galaxy Crypto Index Tahun 2018-2021) Muhammad Rafdi Raihan Pranata; Vera Intanie Dewi
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 6, No 3 (2022): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v6i3.17259

Abstract

The purpose of this study is to measure the risk-adjusted return of cryptocurrencies that are included in the Bloomberg Galaxy Crypto Index and to identify whether there are any significant differences in the results of the three performance assessment methods used. The research period is from January 2018 to October 2021. The analysis was done using Sharpe Ratio, Treynor Ratio, Jensen’s Alpha, and Kruskal-Wallis test by Rank (One-way ANOVA on Ranks). The analysis results show that ETC and ETH are the best performing assets compared to 8 other crypto assets where ETC has the best performance for 2021 based on the Sharpe and Treynor ratio, while ETH in the last two years has the best value in 2020 and the second-best in 2021 based on Sharpe ratio. The test result shows that p = 0.095, which indicates that the significance value is >0.05, meaning that there is no statistically significant difference between the assessment results of the three methods used. Tujuan dari penelitian ini adalah untuk menilai risk-adjusted return dari aset kripto yang terdaftar pada indeks Bloomberg Galaxy Crypto serta mengidentifikasi ada atau tidaknya perbedaan yang signifikan atas hasil dari ketiga metode penilaian kinerja yang digunakan. Periode penelitian yang dilakukan yakni dari Januari 2018 hingga Oktober 2021. Analisis dilakukan dengan menggunakan Sharpe Ratio, Treynor Ratio, Jensen’s Alpha, dan uji beda Kruskal-Wallis (One-way ANOVA on Ranks). Hasil analisis menunjukkan ETC dan ETH merupakan aset dengan kinerja terbaik dibandingkan dengan 8 aset kripto lainnya, dimana ETC memiliki kinerja terbaik untuk tahun 2021 berdasarkan penilaian rasio Sharpe dan Treynor, sedangkan ETH pada dua tahun terakhir memiliki nilai terbaik pada tahun 2020 dan kedua terbaik pada tahun 2021 berdasarkan rasio Sharpe. Dari hasil uji beda didapatkan p = 0.095 yang menunjukkan bahwa nilai signifikansi >0.05, maka diketahui bahwa tidak ada perbedaan signifikan secara statistik antara hasil penilaian dari ketiga metode yang digunakan.
Peningkatan Produktivitas Anak Muda Indonesia Melalui Pelatihan Financial Life Skills (FLS) Vera Intanie Dewi; Regina Detti; Triyana Iskandarsyah; Inge Barlian; Nina Septina; Lilian Danil
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 6 No 1 (2022): Volume 6 Nomor 1 Tahun 2022
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v6i1.16175

Abstract

Financial Life Skills (FLS) training is a participatory program and collaboration between USAID and the government of the Republic of Indonesia through the Youthwin Through Economic Participant Project (Yep Project). The Financial Life Skills training program also plays a role in contributing to financial literacy awareness for the community, especially the younger generation. The FLS training service method using the experiential learning cycle (ELC) training method. The trainer and participants will engage interactively through various activities such as simulations, role-plays, filling out worksheets, questions, and answer discussions. The ELC method is suitable for FLS training because participants' skills are not enough to hear and see, but participants can first experience training activities. At the end of the training, participants can experience changes in knowledge and attitude as provisions for changing behavior future. Based on the results of participant evaluation, this training provides benefits for the younger generation to become a generation that is productive and smart in managing finances to live prosperously in the future.
FACTORS AFFECTING THE FIRM VALUE OF PROPERTY AND REAL ESTATE COMPANIES: EVIDENCE FROM INDONESIA AS LISTED ON THE INDONESIAN STOCK EXCHANGE Salomon Parlindungan; Vera Intanie Dewi
Econosains Jurnal Online Ekonomi dan Pendidikan Vol 20 No 1 (2022): Jurnal Ilmiah Econosains
Publisher : Fakultas Ekonomi Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/econosains.0201.03

Abstract

The purpose of this paper is to examine the factors affecting firm value of property and real estate companies in Indonesia. This study is to estimate the relationship between asset structure, profitability, liquidity, firm size, and firm value. Property with an emphasis on housing development and construction, besides being one of the sectors that absorbs many workers, also has a long multiplier effect. This study investigates the factors affecting firm value listed on the Indonesian Stock Exchange. This research is based on four independent variables with four measurements that were empirically examined for their relationship with firm value. These variables are asset structure (as measured by Fixed Asset Ratio/FAR), profitability (Return on Asset/ROA), liquidity (Current Ratio/CR), firm size (Log Natural Total Asset), and firm value (as measured by Price to Book Value (PBV). The population of this research was property and real estate companies listed on the Indonesian Stock Exchange (IDX) in 2017–2020. Data of eighteen property and real estate companies listed on the Indonesia Stock Exchange from 2017–2020 have been extracted from companies’ annual reports. Pooled ordinary least squares regression and fixed effects or random effect models have been used to analyze the data. The findings show that the asset structure as measured by Fixed Asset Ratio (FAR), profitability (ROA), and firm size (SIZE) has a significant effect on firm value. While liquidity (CR) has no significant effect on firm value (PBV). Furthermore, the regression coefficient of Return on Assets provides the largest contribution to firm value. Due to data availability, the data include only property and real estate companies listed in the Indonesian Stock Exchange. This study may not have included all important financial and stock market performance indicators. These results benefit not only for internal users such as managers, shareholders, and employees but also for investors, creditors as external users. For internal users this result is beneficial to the determinants of enhancing the firm value of their company. For external users also may gain advantages from these results to make financial decisions. It is clear that a significant impact happened upon this new policy implementation, and on how Indonesian property and real estate companies increase their firm value in the future. This study differs from previous one in many ways; first, it focuses on property and real estate companies in Indonesia. Previous studies have concentrated on different countries and companies in other sectors, such as manufacturing, banking, and other industrial organizations. Second, this study analyzes the data from property and real estate companies’ annual reports from 2017 to 2020. Third, the study has made use of FAR, ROA, CR and TA as indicators of fundamental factors. Finally, the results of the study provide empirical evidence that firms with a degree of asset structure, profitable operations, and adequate company size, ultimately enhance firm value.
The Micro, Small and Medium Enterprises Financing Based on Financial Technology Ica Rika Candraningrat; Vera Intanie Dewi; Nyoman Abundanti; Ni Wayan Mujiati; Badaruz Zaman
Jurnal Ilmiah Akuntansi Vol 7 No 2: December 2022
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jia.v7i2.52715

Abstract

Financial technology innovations that are currently developing have provided convenience for the user community in the fields of financial systems, asset management to micro and small business (MSME) financing. The long objective of this research is to optimize the Peer-To-Peer Lending financing model based on the analysis of the preferences of potential lenders in determining MSME financing decisions. This type of research is descriptive quantitative research. Sampling used purposive sampling of MSME actors throughout Bali. The data analysis technique used is logistic regression analysis. The results showed that the estimation model can determine the decision to provide financing to Peer-to-Peer Lending. The variable amount of credit and the term of financing proved to be able to predict financing decisions significantly. While the financing objective variable is not proven to be able to predict financing decisions significantly in Peer-to-Peer Lending financial institutions.
Pembentukan Portofolio Optimal pada Saham yang Terdaftar di Indeks IDX Value 30 dengan Metode Indeks Tunggal Alverell Panangian Hutagalung; Vera Intanie Dewi
INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia Vol. 6 No. 2 (2023): INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia
Publisher : Forum Inovasi Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (222.312 KB) | DOI: 10.31842/jurnalinobis.v6i2.267

Abstract

Tujuan dari penelitian ini adalah untuk membentuk portofolio optimal menggunakan metode indeks tunggal. Indeks yang digunakan pada penelitian ini adalah index IDX Value 30 (IDXV30). Periode waktu penelitian ini selama Agustus 2019 sampai Januari 2022. Pengambilan sampel menggunakan purposive sampling yang menghasilkan 8 saham sebagai sampel. Saham yang lolos dalam pembentukan portofolio optimal dengan metode indeks tunggal merupakan saham yang memiliki nilai ERB ? Ci. Lebih lanjut penelitian ini menghasilkan tiga saham pembentuk portofolio optimal. Saham tersebut terdiri dari sektor energi (ADRO dan ITMG) dan sektor barang baku (INKP). Expected return yang dihasilkan dari portofolio optimal adalah 2,470% dan risiko 0,467%. Dan expected return dari portofolio optimal lebih tinggi dari risk free dengan return 0,34%. Hasil penelitian ini memberikan informasi bahwa portofolio optimal pada saham yang masuk pada index IDX value 30 pada periode waktu Agustus 2019 hingga Januari 2022 meliputi komposisi saham ADRO sebanyak 64,3%, ITMG sebanyak 26,5%, dan INKP sebanyak 9,3%.
Analisis Komparasi Kinerja Keuangan PT Bank BTPN. Tbk Sebelum dan Sesudah Merger Nike Anabella; vera Intanie dewi
Jurnal Manajemen dan Keuangan Vol 12 No 1 (2023): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v12i1.5925

Abstract

The purpose of this study is to conduct a comparative test of Bank BTPN Tbk.,financial performance before and after the merger using the Risk-Based Bank Rating approach. The method used is verificative study, carried out by conducting a paired t-test of two samples. This study found that Bank BTPN Tbk. financial performancedeclined after the merger. This is indicated by the increasing LDR, indicating that the bank's liquidity risk becomes greater after the merger. The NIM and ROA ratios were smaller and the BOPO ratio increased after the merger, indicating that Bank BTPN Tbk. ability to generate profits has decreased. The level of bank capital with the CAR indicator also decreased. Based on the results of comparative analysis, it can be proven that there are differences in the financial performance of Bank BTPN between before and after the merger
Factors Affecting The Intention to Invest in Cripto Assets Among Indonesian Youth Vera Intanie Dewi; Aldrin Herwany; Maria Widyarini; Umi Widyastuti
Jurnal ASET (Akuntansi Riset) Vol 15, No 1 (2023): JURNAL ASET (AKUNTANSI RISET) JANUARI-JUNI 2023
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jaset.v15i1.56897

Abstract

Main Purpose - This study aims to determine the role of financial risk tolerance in mediating the impact of digital financial literacy, investment experience, and e-payment behavior on intention to invest. Method - This research is a type of explanatory research with a survey method and as many as 215 respondents filled out a questionnaire with valid answers which were then used for analysis. Hypothesis testing uses a structural equation model (SEM) and is processed using Smart PLS-SEM.Main Findings - This research proves that there is a positive and significant role of financial risk tolerance in mediating the impact of digital financial literacy, investment experience, and e-payment behavior on intention to invest. In addition, this study shows that most members of the younger generation have a level of risk tolerance or risk profile that falls into the moderate category or loss-adverse category in the aspects of risk speculation, investment risk, and financial risk evaluation. Theory and Practical Implications - This study provides policy directions for related parties to increase digital finance adoption and financial literacy in the context of financial inclusion. This research reinforces that digital financial literacy is important, especially in terms of digital financial knowledge for young people. Novelty - This study uses the risk tolerance profile variable as a variable that mediates the relationship between digital financial literacy and investment intentions using consumer behavior theory.
Pengaruh Fundamental Terhadap Return Saham Nia Carmila Siringoringo; Vera Intanie Dewi; Maria Widyarini
Co-Value Jurnal Ekonomi Koperasi dan kewirausahaan Vol. 14 No. 3 (2023): Co-Value : Jurnal Ekonomi, Koperasi, & Kewirausahaan
Publisher : Program Studi Manajemen Institut Manajemen Koperasi Indonesia Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/covalue.v14i3.3643

Abstract

Pasar saham berfungsi sebagai platform investasi untuk instrumen keuangan, termasuk obligasi dan saham dimana return saham sebagai komponen utama. Return saham mencerminkan tingkat keuntungan maupun kerugian dari aktivitas jual beli saham. Penelitian ini berupa data sekunder dengan populasi yang diteliti adalah seluruh perusahaan farmasi yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2018-2021 dan pemilihan sampel menggunakan metode purposive sampling. Analisis data dilakukan dengan menggunakan metode regresi data panel pada perangkat lunak Eviews versi 10. Dari analisis regresi panel, ditemukan bahwa quick ratio, net profit margin, debt to equity ratio, dan firm size memiliki pengaruh return saham, sementara inventory turnover tidak berpengaruh terhadap return saham. Hasil uji F menunjukkan bahwa variabel quick ratio, net profit margin, debt to equity ratio, inventory turnover, dan firm size berpengaruh terhadap return saham. Hasil uji R-Squared menunjukkan bahwa sebesar 53% return saham dapat dijelaskan oleh variabel independen yang digunakan pada penelitian.
Co-Authors Abdulhakim, Muhammad Faruq Achmad Faisal, Achmad Achmad Noerkhaerin Putra Agung, Chris Petra Agus Hasan Aldrin Herwany Alverell Panangian Hutagalung Anhar Fauzan Priyono Badaruz Zaman Bernard T. Widjaja Brigita Meylianti Sulungbudi Budi Tjahja Halim Budiana Gomulia Budiono Budiono Budiono Catharina Ria Budiningsih, Catharina Ria Cindy Devina Setiawan Dharma Putra Sudjaja Dharma Putra Sundjaja Elaine Vashti Bestari Kustedja Elvira Maytasya Simanjuntak Eva Ervani Eva Erviani Evan Hartanto Felisca O Felisca Oriana Felisca Oriana S Felisca Oriana Surjoko Fernando Mulia Fitri Hastuti Gunawan, Vincent Hasyim, Irsanti Herry Herry Ica Rika Candraningrat Ica Rika Candraningrat Indupurnahayu Inge Barlian Inge Barlian Sundjaja Istiharini . Kesaulya, Feby Astrid Lestari Eva Maryani Lilian Danil Maratno, Sylvia Fettry Elvira Maulida, Karissa Meina Meilinda . Meilinda Meilinda Militcyano Samuel Sapulette Militcyano Samuel Sapulette Militcyano Samuel Sapulette Muhammad Faruq Abdulhakim Muhammad Rafdi Raihan Pranata Ni Wayan Mujiati Nia Carmila Siringoringo Nike Anabella Nina Septina Novianti, Nurfa Citra Nugroho, Nicolaus Wicaksono Nury Effendi Nyoman Abundanti Pangau, Angelia Christin Parlindungan, Salomon Powell, Karen Arecia Pratama, Yehuda Nino Putri, Gianisa Mentari Putri, Nabilla Putri, Nabilla Ditya Putu Ayu Kezia Dewi Ramayani Yusuf Regina Deti Regina Deti Regina Detty Renea Shinta Aminda Ria Satyarini Ridwan S. Sundjaja Ridwan S. Sundjaja Ridwan Sundjaja Rita Suminar Rizka Nugraha Praktikna Ryo Junior Rooroh Salomon Parlindungan Samuel Samuel Samuel Samuel Sapulette, Militcyano Samuel Sastroredjo, Probowo Erawan Setiawan, Daniel Imanuel Singadipoera, Muhammad Raihan Rafly Tiffani, Ignasia Tjandrasa, Benny Budiawan Triyana Iskandarsyah Umi Widyastuti Vincent Gunawan YUSUF, RAMAYANI