Garuda - Garba Rujukan Digital

Millennial Investment Decision Analysis Reynard Jonathan; sumani sumani
Business and Entrepreneurial Review Vol. 21 No. 2 (2021): OCTOBER 2021
Publisher : Universitas Trisakti

In managing finances, each aims to be able to generate income for himself. Investment is one of the individual decisions to increase the assets owned by allocating a certain amount of funds, time, and assets that are considered to generate returns. Millennial investors are the government's main target through financial literacy education that the Financial Services Authority has promoted in encouraging an increase in stock investment by the public. However, many factors influence investors to invest, including the environment and the investor's personal experience. The purpose of this study is to analyze the factors that influence the investment decisions of millennial private investors, including financial literacy, perceptions of risk and return, financial technology, family background, and income. The data taken for this study is primary data obtained through online questionnaires to people who are currently investing in the age range of 20-40. The number of samples of this study was 224 respondents through data collection using google form for two months. The research data were analyzed using SPSS 26 software. By using descriptive statistical data, validity and reliability tests, classical assumption tests such as autocorrelation, multicollinearity, heteroscedasticity. The results showed that financial literacy, perceptions of risk and return, financial technology, family background, and income influence millennial investor investment decisions. The implication of this result shows that parents should start to provide basic investment knowledge to teenagers as soon as possible, and the firm can invest more in financial technologies to serve young customers.

The Factors of Millennials’ Continuance Intention to Use Digital Wallets in Indonesia Yasintha Soelasih; Sumani
Binus Business Review Vol. 13 No. 3 (2022): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v13i3.8561

The growth of digital wallets increases the convenience of consumers in making transactions. The convenience that consumers feel in using digital wallets further increases their consumption. Companies influence the age group, such as millennials, with high potential in using digital wallets. The research emphasized the consumer behavior of millennials in using digital wallets. The study aimed to examine the variables that affected digital wallet users in terms of perceived usefulness, perceived risk, customer attitude, customer satisfaction, and continuance intention to use. The questionnaire was distributed using the G-form using the determination of respondents by purposive sampling. The number of respondents was 276. The measurement of reliability and validity used loadings values, Cronbach’s alpha, Composite Reliability (CR), Average Variance Extracted (AVE), and discriminant validity. In measuring the fit model, the Standardized Root Mean Square Residual (SRMR) value was used. Then, the research used Partial Least Square-Structural Equation Model (PLS-SEM) to test the hypothesis. The results show that perceived usefulness affects customer attitudes toward using digital wallets. Meanwhile, perceived risk has no effect on customer attitudes. Customer attitude impacts customer satisfaction and continuance intention to use digital wallet users directly and indirectly. Moreover, millennials strengthen the influence of customer attitude on continuance intention to use. The effect is negative, meaning that if the age of the millennials increases, it will cause a decreased attitude change towards continuance intention to use digital wallets.

The Influence Of Demographic Factors And Financial Literature On Students' Investment Perceptions Ariel Jotham Luther; sumani sumani
International Journal of Applied Business and International Management Vol 8, No 2 (2023): August 2023
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v8i2.2137

Several factors influence how these decisions are made in making investment decisions, such as demographic and financial literacy. Financial literacy can provide insight into managing personal finances and give the public about formal financial institutions and financial services. Demographic factors such as age, gender, and education can also influence investment decisions. The purpose of this study was to analyze the influence of demographic characteristics, namely gender, faculty and cumulative achievement index (GPA), and financial literacy, on student investment decisions in the city of Jakarta, Bogor, Depok Tangerang, and Bekasi. We conducted this research by distributing questionnaires through Google forms and social media to active students from all universities in Jakarta, Bogor, Depok, Tangerang, and Bekasi. The number of samples in this study amounted to 130 respondents. The research method uses descriptive statistics, validity, and reliability tests. Then proceed with the classical assumption, normality, heteroscedasticity, and multiple regression analysis tests, namely T-test and F test. The data processing results indicate that gender does not affect student investment decisions while faculty, cumulative achievement index (GPA), and financial literacy significantly influence student investment decisions. .

Volatility and Liquidity Comparison of Indonesian and Singapore Stock Market in COVID-19 Mobility Restrictions Era Irene Nathania; Sumani Sumani
Binus Business Review Vol. 14 No. 3 (2023): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v14i3.9063

The COVID-19 case found at the end of December 2019 became a pandemic in March 2020. The research aimed to see and understand the differences in the performance of the Indonesian and Singapore stock indices represented by the Indeks Harga Saham Indonesia (IHSG) and Straits Times Index (STI) before and after the implementation of community mobility restrictions (Pembatasan Sosial Berskala Besar (PSBB) in Indonesia and Circuit Breaker in Singapore). The stock index data were stock index prices at closing and stock trading volume. The stock index performance was measured by its volatility and liquidity. Meanwhile, data volatility with heteroscedasticity symptoms were measured using the GARCH (1,1) model. Meanwhile, the standard deviation was used to measure homoscedastic data. The results show differences in return volatility and stock index liquidity before and after restrictions on community mobility. The return volatility of the IHSG and STI is higher before the community mobility restrictions compared to the period after. IHSG experiences liquidity after PSBB I and before PSBB II. The conclusion indicates that liquidity in Indonesia does not improve when PSBB I is implemented, but it improves in PSBB II. Meanwhile, STI’s liquidity is higher in the period after the implementation of Circuit Breaker. These results indicate that implementing the Circuit Breaker helps to improve the stock index’s performance in Singapore because volatility decreases when the policy is implemented. The policy also reduces the liquidity of the Singapore stock index.

PROGRAM PELATIHAN MANAJEMEN BINAAN YAYASAN GUGAH NURANI INDONESIA Yasintha Soelasih; Christine Winstinindah Sandroto; Sumani Sumani; Synthia Madyakusumawati
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 3 (2024): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i3.783-787

Koperasi juga hingga saat ini terus berkembang dan menjadi andalan masyarakat untuk memutar roda perekonomian. Hal ini tercermin dari data Kementerian Koperasi dan UKM (Kemenkop UKM) tahun 2020 yang mengalami kenaikan jika dibandingkan dengan tahun 2019. Pada tahun 2019, jumlah koperasi aktif sebanyak 123.048 unit dengan volume usaha Rp154 triliun dan jumlah anggota sekitar 22 juta orang. Sedangkan pada Desember 2020, jumlah koperasi aktif sebanyak 127.124 unit dengan volume usaha Rp174 triliun dan jumlah anggota sekitar 25 juta orang. Namun demikian, koperasi pada masa pandemi ini juga mengalami berbagai kendala untuk menjalankan usahanya. Sebagian besar koperasi mengalami pengembalian pinjaman yang terganggu, omzet menurun, penarikan simpanan, penundaan Rapat Anggota Tahunan, dan kendala lainnya. Pengembangan koperasi pun memiliki tantangan sendiri, sehingga perlu dilakukan upaya penguatan peran koperasi. Terkait dengan pengelolaan manajemen kelembagaan, peningkatan kapasitas SDM koperasi, penggunaan teknologi dan sistem informasi baik dalam manajemen koperasi maupun dalam menjalankan usahanya, perlu dilakukan pembinaan dan pendampingan serta kemitraan. Salah satu upaya yang dapat dilakukan untuk mengatasi tantangan yang dihadapi adalah melalui modernisasi koperasi. Demikian juga pengurus koperasi perlu mendapat pelatihan mengenai manajemen koperasi yang baik. Mereka harus mengenali bagaimana melakukan proses pemasaran yang baik. Berkaitan dengan hal diatas, Yayasan Gugah Nurani Indoensai dapat bekerjasama dengan Universitas Katolik Indonesia Atma Jaya dalam meningkatkan kinerja koperasi dan kelompok usaha di wilayah dampingan Batavia CDP.

Shopping Products Online After the COVID-19 Era Yasintha Soelasih; Sumani Sumani
Binus Business Review Vol. 15 No. 2 (2024): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v15i2.10736

The COVID-19 pandemic has changed consumer purchase behavior. The research observed consumer behavior in purchasing online products after the pandemic. It focused on attitudes, perceived behavior control, and financial and product risks. They influenced purchase decisions, resulting in customer satisfaction and repurchase intention in online shopping. The research applied a quantitative method. Data collection used online research. It managed to get 443 respondents. The study was conducted in Indonesia with respondents who had done online shopping. The hypothesis test was done using Structural Equation Modeling (SEM) with Smart-PLS software. The research results show that H1, H1a, H1b, H2, H2a, H2b, H3, H3a, H3b, H5, H6, H6a, H6b, and H7 are accepted. Meanwhile, H4, H4a, and H4b are rejected. The hypothesis test results show an influence between attitudes, perceived behavior control, and financial risk on customer satisfaction and repurchase intention through purchase decisions both directly and indirectly. Meanwhile, product risk does not directly or indirectly influence customer satisfaction and repurchase intention through purchase decisions. In conclusion, financial risk is the most influential factor in purchase decisions. If the financial risk is low, customers’ purchase decisions will be high. The research contributes to consumer behavior, especially regarding online shopping. Consumers purchasing online products pay attention to the processes of clarity, assurance, security, comfort, and trust.

The Influence Of Demographic Factors And Financial Literature On Students' Investment Perceptions Ariel Jotham Luther; sumani sumani
International Journal of Applied Business and International Management Vol 8, No 2 (2023): August 2023
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v8i2.2137

Several factors influence how these decisions are made in making investment decisions, such as demographic and financial literacy. Financial literacy can provide insight into managing personal finances and give the public about formal financial institutions and financial services. Demographic factors such as age, gender, and education can also influence investment decisions. The purpose of this study was to analyze the influence of demographic characteristics, namely gender, faculty and cumulative achievement index (GPA), and financial literacy, on student investment decisions in the city of Jakarta, Bogor, Depok Tangerang, and Bekasi. We conducted this research by distributing questionnaires through Google forms and social media to active students from all universities in Jakarta, Bogor, Depok, Tangerang, and Bekasi. The number of samples in this study amounted to 130 respondents. The research method uses descriptive statistics, validity, and reliability tests. Then proceed with the classical assumption, normality, heteroscedasticity, and multiple regression analysis tests, namely T-test and F test. The data processing results indicate that gender does not affect student investment decisions while faculty, cumulative achievement index (GPA), and financial literacy significantly influence student investment decisions.Â Â .Â

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