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Pengaruh Perilaku Keuangan dan Literasi Keuangan terhadap Keputusan Menabung Emas pada Nasabah PT. Pegadaian (Studi Kasus PT. Pegadaian Cabang Pangkalan Kerinci)
Gracia, Fransisca;
Isni Andriana;
Fida Muthia
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i4.943
This study aims to determine the effect of Financial Behavior and Financial Literacy on the Decision Customers to Saving Gold in PT. Pegadaian Pangkalan Kerinci. The sample in this study amounted to 98 customers using a purposive sampling technique. The data collection technique used a questionnaire. The data analysis technique used multiple linear regression analysis. The data was processed using te Statisfical for product and service solution (SPSS) program version 27. The results showed that financial behavior and financial literacy had a positive and significant effect on the decision customers to saving gold in PT. Pegadaian Pangkalan Kerinci.
Pengaruh Latar Belakang Keuangan terhadap Keputusan Investasi Generasi Y di Kota Palembang
Nabila Firda;
Isni Andriana;
Mu’izzudin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i4.983
The aim of this research is to analyze the impact of financial background on investment decisions-making among Generation Y in Palembang. The population in this study are Generation Y, namely those born between 1980 and 1995 or aged between 25 and 40 in Palembang. Which sampling method in this study is using the Purposive Sampling method with 142 respondents as samples. This research uses quantitative methods with primary data sources obtained from distributing questionnaires to respondents. Data were analyzed using Multiple Linear Regression Analysis. The result showed that the demographic factors such as age, education, and occupation has no significant effect on investment decisions, meanwhile social environment and financial literacy has a significant effect on investment decisions among Generation Y in Palembang.
Pengaruh Arus Kas terhadap Kinerja Keuangan Perusahaan Sektor Pertambangan yang Terdaftar di Bursa Efek Indonesia
Shahlaila Lutfia Rahman;
Isni Andriana;
Kemas M. Husni Thamrin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i6.1689
This research aims to analyze cash flows that can influence net profit, using the variables Funding Cash Flow, Investment Cash Flow and Operation Cash Flow in Mining sector companies listed on the Indonesia Stock Exchange. This research was taken from the last five years, namely 2018 to 2022. The sampling technique used purposive sampling to obtain 55 companies. The type and source of data used is secondary data in the form of published financial reports. The data analysis technique used in this research is multiple linear regression analysis with SPSS software. The results of this research show that Funding Cash Flow and Investment Cash Flow have a significant effect on Net Profit. Meanwhile, Operating Cash Flow does not have a significant effect on Net Profit in Mining sector companies listed on the Indonesia Stock Exchange from 2018 to 2022
Perbandingan Abnormal Return, Trading Volume Activity dan Harga Saham Perbankan Sebelum dan Sesudah Merger dan Akuisisi
Marshanda Nurafriza;
Isni Andriana;
Kemas M. Husni Thamrin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i6.1730
This study aims to determine and analyze differences in Abnormal Return, Trading Volume activity and stock prices before and after the announcement of mergers and acquisitions in public listed banking companies on the IDX in the 2018-2022 period. The study population consists of 42 banking companies that have been listed on the Indonesia Stock Exchange. The purposive sampling method was used to select the sample, which eventually consisted of 11 banks that carried out mergers and acquisitions between 2018-2022. This study applies an event study with Wilcoxon signed rank test covering 30 days before 30 days after the announcement of mergers and acquisitions. The results of this study showed that of the 11 banks studied, only 1 bank had significant differences in abnormal variables and 6 banks had a significant difference in the trading activity volume variable and overall banking had a significant difference in the stock price variable. This research is expected to be used as reference material for future research and used for investment practitioners.
Pengaruh Faktor Spesifik Bank dan Faktor Makroekonomi terhadap Pertumbuhan Laba Perbankan di Indonesia
M. A. Emeraldy Rajaya;
Isni Andriana;
Kemas Muhammad Thamrin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i6.1737
This study aims to determine the influence between bank-specific factors and macroeconomic factors on banking profit growth in Indonesia. The population in this study were all banking sector companies listed on the Indonesia Stock Exchange (IDX) in 2015-2022, namely 47 banking sector companies with a research sample of 9 companies. Using a panel data approach, this study places bank-specific factors and macroeconomic factors as independent variables consisting of return on assets (ROA), loans to deposit ratio (LDR), non-performing loans (NPL), inflation, interest rates and exchange rates. Data was collected from the Indonesia Stock Exchange (BEI), Bank Indonesia and BPS. The results showed that ROA has a significant positive effect on profit growth. LDR has no effect on profit growth and NPL has a significant negative effect on profit growth. Inflation has a significant positive effect on profit growth while interest rates and exchange rates have no effect on profit growth.
Pengaruh Literasi Keuangan, Perilaku Keuangan, dan Pendapatan terhadap Keputusan Investasi pada Mahasiswa yang Bergabung di PT. Melia Sehat Sejahtera Lampung
Etina Wati;
Isni Andriana;
Kemas M. Husni Thamrin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i6.1798
This study aims to analyze the effect of financial literacy, financial behavior and income on investment decisions of students who join PT Melia Sehat Sejahtera Lampung. The sample in this study amounted to 74 students who were members of PT Melia Sehat Sejahtera Lampung using purposive sampling technique. The data collection technique in this study used a questionnaire. The data analysis technique in this study used multiple linear regression analysis. The data was processed using te Statisfical for product and servicer solution (SPSS) versi 22. The results showed that Financial Literacy, Financial Behavior and Income had a positive and significant effect on investment decisions for students who joined PT Melia Sehat Sejahtera Lampung
Pengaruh Manajemen Keuangan Terhadap Kinerja UMKM pada Usaha Kecil Menengah (UMKM) Kota Palembang
Annisa Meilani;
Isni Andriana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i10.3383
This research aims to determine the effect of financial management on the financial performance of small and medium enterprises (MSMEs) in Palembang City. This research uses quantitative methods. The population in this research is food and drink in the city of Palembang so the sample in this study is the entire population of MSMEs in the city Palembang, totaling 75 respondents. The data collection method used in the research was obtained from a questionnaire. Based on the results of hypothesis analysis (t test), it was concluded that Financial Management had a positive and significant effect on Financial Performance in small and medium enterprises (MSMEs) in Palembang City.
Faktor-Faktor yang Mempengaruhi Intellectual Capital Terhadap Kinerja Keuangan pada Perusahaan Sub Sektor Hotel, Restoran dan Pariwisata yang Terdaftar di Bursa Efek Indonesia
Ulfi Nurindah Permatasari;
Isni Andriana;
Kemas M. Husni Thamrin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/alkharaj.v6i9.5044
This study aims to determine the factors that can affect Intellectual Capital, using the variables Value Added Human Capital (VAHU), Value Added Capital Employee (VACA) and Structural Capital Value Added (STVA). The number of samples used in the study using the purposive sampling method were 22 companies in the hotel, restaurant and tourism sub-sector that were listed on the Indonesia Stock Exchange in 2018-2022. The type of data used is secondary in the form of published financial reports, and the data is analyzed using multiple linear regression analysis. The results of this study indicate that the variables Value Added Human Capital (VAHU), Value Added Capital Employee (VACA) and Structural Capital Value Added (STVA) have a significant effect on Net Profit Margin (NPM).
Determinants of Financial Performance of Companies Listed on the Indonesian Institute For Corporate Governance
Muhammad Tri Luthfillah;
Isni Andriana;
Abdul Bashir;
Didik Susetyo;
Mukhtaruddin
Indonesian Journal of Business Analytics Vol. 4 No. 4 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL
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DOI: 10.55927/ijba.v4i4.10259
The aim of this study was to examine and analyze the impact of Environmental Management Accounting and Environmental Performance on Financial Performance. The study focused on companies that participated in the CGPI program, using secondary data from the period 2018-2023. The sampling method employed was purposive sampling, with a total of 12 companies and 72 data observations. The analysis was conducted using quantitative methods and Eviews panel data regression. The findings indicated that both Environmental Management Accounting and Environmental Performance had a significant positive effect on Financial Performance.
Determinant of Hospital Employees Performances: A Dynamic Capability Theory Perspective with Electronic Information System Moderation
Farizal, Bembi;
Adam, Mohamad;
Andriana, Isni;
Ichsan Hadjri, Muhammad
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 5 (2025): October
Publisher : Lafadz Jaya Publisher
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DOI: 10.47353/ijema.v3i5.353
This study aims to explore the effect of competence and adaptablity on hospital employee performance moderated by electronic information system. This study applied quantitative method and causally associative approach. Employees that work in Regional General Hospital (RSUD) of South Sumatera Province were being populations in this study. The study sample was 120 employees was chosen using purposive sampling. Survey methods are used in data collection, employees are given questionnaires to complete. SmartPLS is utilized for data analysis, which employs partial least squares-structural equation modeling (PLS-SEM). The results show significant effect of competence, and electronic information system on hospital employee performance. While, adaptability did not have a significant effect on hospital employee performance in South Sumatra Provincial Hospital. Electronic information system is able to strengthen moderated the effect of competence and adaptability on hospital employee performance. This study highlights the significance various aspects of competency and flexibility in handling innovation for practitioners and policymakers, as well as the effect of hospital staff. These findings can be used by managers and policy makers to improve their resources and abilities to manage innovation more effectively, which is one of the top priorities of Regional General Hospitals (RSUD) in South Sulawesi Province nationally.