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The Influence of Financial Literacy and Socio-Demographics on the Financial Management Behavior of Migrant Students in Surabaya Cynthia, Angelina; Linawati, Nanik
Economic Education and Entrepreneurship Journal Vol 7, No 1 (2024): Economic Education and Entrepreneurship Journal (E3J)
Publisher : FKIP Universitas Lampung

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Abstract

This research aims to analyze the influence of financial literacy and sociodemographic characteristics on the financial management of migrant students in Surabaya. We employed a quantitative descriptive approach and collected data through a shared Google Form. The analysis was conducted using Stata software. The results of our research reveal that a higher level of financial literacy has a positive and significant impact on the financial management abilities of migrant students. However, sociodemographic factors such as age, gender, and income do not exhibit a significant influence on their financial management. This analysis provides valuable insights into the significance of enhancing financial literacy among migrant students, thereby assisting them in improving their financial management skills.Keywords: Financial Literacy, Financial Management BehaviourDOI: http://dx.doi.org/10.23960/E3J/v7i1.13-17 
Perubahan kinerja keuangan dan operasional PT Link Net Tbk (LINK) pasca diakuisisi oleh EXCL Susanto, Leonardo Christian; Halim, Kevin; Setiawan, Adrianus Bryan; Tandarto, Sefen Timothy; Wongso, Enrico; Linawati, Nanik
Journal of Accounting and Digital Finance Vol. 5 No. 2 (2025): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v5i2.1821

Abstract

This study aims to evaluate the impact of the acquisition of PT Link Net Tbk by XL Axiata and Axiata Group Berhad on the company’s financial and operational performance in the post-acquisition period. The main issue raised is the significant decline in performance following the acquisition, indicating that the integration strategy has not been effectively implemented. This research adopts a quantitative approach by analyzing financial indicators such as Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), Net Income, and Debt to Equity Ratio (DER). The analysis results reveal that all profitability indicators experienced a sharp decline, with Net Income even recording negative figures in several post-acquisition periods. Additionally, the increase in DER reflects a higher dependency on debt-based financing, which was not accompanied by improvements in operational efficiency. These findings suggest that the acquisition has not delivered the expected synergy or added value. The study concludes that a reassessment of the post-acquisition strategy is necessary, especially within the highly competitive and capital-intensive telecommunications industry.
Edukasi Literasi Keuangan: Investasi pada Emas, Urgensi Dana Darurat, dan Pengendalian Gaya Hidup Konsumtif yusuf, keona adeline; Polandauw, Clarissa Amanda; Jocelyn, Angelique; Linawati, Nanik
Jurnal Pelayanan dan Pengabdian Masyarakat (Pamas) Vol 9, No 4 (2025): Jurnal Pelayanan dan Pengabdian Masyarakat (PAMAS)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM Universitas Respati Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/pamas.v9i4.6111

Abstract

Low financial literacy amongst the younger generation can hinder the economic growth of a developing country. The lack of knowledge about basic financial concepts and financial instruments is caused by the scarcity of educational curriculum related to financial literacy. The lack of an educational curriculum related to financial literacy makes education related to crucial. This community service is motivated by the urgency of improving the financial literacy of junior high school students and aims to form a foundation for good financial behavior. The educational material provided is relevant and easy to understand for junior high school students. The material is provided using interactive presentation media accompanied by educational games that are specifically designed with the sub-topics "Investing in Gold", "Emergency Funds", and "Consumptive within Your Limits". Education and games help students understand the basic concepts of finance and their applications in real life. After the community service activities, students showed an increase in understanding of basic financial concepts, this can be seen from their enthusiasm and high average test scores.
Faktor-faktor yang Mempengaruhi Kinerja Keuangan Kelompok Bank Modal Inti IV (Studi Kasus Penerapan Digital Banking) Chrisdiouf, Justin; Linawati, Nanik
Economic and Education Journal (Ecoducation) Vol. 6 No. 2 (2024): Economic and Education Journal (Ecoducation)
Publisher : Pendidikan Ekonomi, Universitas Insan Budi Utomo

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Abstract

Penelitian ini ditujukan untuk meneliti faktor-faktor penentu profitabilitas bank yang menerapkan digital banking. Bank yang dimaksud adalah bank anggota Kelompok Bank Modal Inti IV dari tahun 2007 hingga tahun 2022 yang memiliki modal inti lebih dari Rp. 70 triliun dan memiliki kemampuan paling besar untuk mengadopsi teknologi informasi dalam bentuk digital banking. Konsep yang digunakan untuk mengukur profitabilitas bank yang menerapkan digital banking antara lain likuiditas bank, efisiensi bank, bank credit risk dan firm characteristic. Proksi yang digunakan untuk mengukur profitabilitas yaitu Return On Equity dan Net Interest Margin, likuiditas bank menggunakan Capital Adequacy Ratio dan Current Asset Saving Asset, efisiensi bank menggunakan Beban Oprasional Pendapatan Operasional, bank credit risk menggunakan Non Performing Loan dan firm characteristic menggunakan firm size. Alat statistik yang digunakan untuk mengolah data yaitu analisa regresi linear berganda dengan software SPSS. Hasil penelitian membuktikan bahwa likuiditas (CAR) berpengaruh signifikan terhadap profitabilitas (ROE), efisiensi bank (BOPO) berpengaruh signifikan terhadap profitabilitas (NIM), bank credit risk (NPL) berpengaruh signifikan terhadap profitabilitas (NIM) dan firm characteristic tidak berpengaruh signifikan terhadap profitabilitas.
Determining the Priority Factors that Influence the Intention to Invest in Cryptocurrencies using Fuzzy Analytical Hierarchy Process Wahyudi, Raymond; Linawati, Nanik; Eduardo, Farrell Ionwyn
Jurnal Computech & Bisnis (e-journal) Vol. 18 No. 1 (2024): Jurnal Computech & Bisnis (e-Journal)
Publisher : LPPM STMIK Mardira Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56447/z02c9d67

Abstract

Cryptocurrency investment is a phenomenon that has gained popularity among Indonesian youth. However, the factors that influence their intention to invest in this digital asset class are not well understood. This study aims to identify and evaluate these factors using the Fuzzy Analytical Hierarchy Process (FAHP) method, which can handle uncertainty and ambiguity in decision making. The study applies the Unified Theory of Acceptance and Use of Technology (UTAUT) model as the theoretical framework, and considers six factors: social influence, financial literacy, facilitating condition, performance expectancy, effort expectancy, and hedonic motivation. The results show that social influence, financial literacy, and facilitating condition are the most important factors, while hedonic motivation is the least important. The study also ranks the sub-criteria within each factor according to their relative importance. The findings provide valuable insights for policymakers, investors, and educators in the field of cryptocurrency and blockchain technology.
Membangun Kebiasaan Keuangan Sehat Sejak Remaja Chrisdiouf, Justin; Linawati, Nanik; Loisoklay, Wilkar
Eastasouth Journal of Effective Community Services Vol 2 No 03 (2024): Eastasouth Journal of Effective Community Services (EJECS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejecs.v2i03.231

Abstract

Tujuan artikel ini adalah mengkomunikasikan aktivitas pengabdian masyarakat terhadap para siswa SMP terkait edukasi literasi keuangan. Literasi keuangan difokuskan pada upaya membangun kebiasaan menghindari cara hidup konsumtif. Metode penyampaian dilakukan melalui pembelajaran interaktif yang dilengkapi dengan permainan rally game, board game, dan memory card. Para siswa menikmati pemaparan materi dan permainan yang dilakukan serta memberikan penilaian bintang lima dari total nilai lima.
Pengaruh Kunjungan Pengabdian Masyarakat terhadap Motivasi Siswa TK dalam Meraih Cita-Cita Reynard, Dave; Tirtamurti, Lim Madeleine; Linawati, Nanik; Susanto, Jeffrey Belmiro
Jurnal Pengabdian West Science Vol 3 No 02 (2024): Jurnal Pengabdian West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpws.v3i02.1011

Abstract

Tujuan dari pengabdian masyarakat ini adalah untuk mengobservasi motivasi para siswa Taman Kanak-kanak terkait cita-cita yang ingin dicapai di TK Bethel Sulung 3, Surabaya. Pengabdian masyarakat ini bertujuan untuk memberikan motivasi kepada para siswa Taman Kanak-kanak dalam mewujudkan cita-cita yang berupaya mempengaruhi keinginan siswa Taman Kanak-kanak untuk bercita-cita, dimana hal tersebut mendorong keinginan siswa Taman Kanak-kanak untuk menabung demi mencapai cita-citanya. Hasil kegiatan ini menunjukkan bahwa respon yang terjadi terhadap siswa Taman Kanak-kanak mengalami perubahan sesudah dilakukannya kegiatan pengabdian masyarakat ini, dimana para siswa Taman Kanak-kanak menjadi lebih termotivasi untuk meraih cita-cita yang dimiliki.
Co-Authors Adeline Yusuf, Keona Adisty Malliani Kusnadi Agnes Natalia Airell, Vernando Alexander, Gloria Andela, Valencia Anthony Wijaya Bavani, Melinda Bryan Setiawan, Adrianus Chandra, Tirzah Febiola Chrisdiouf, Justin Christian Chandra Chyntia Kartika Sanjaya Cindy Marcha Pongtuluran Citrawati, Irene Cynthia, Angelina de Fretes, Michael Genesis Bimasatrya Edbert Sudarsono, Jethson Eduardo, Farrell Ionwyn Elvira Unola Eveline, Jessica Evelyn Okky Santoso, Evelyn Okky Ezar, Grecia Jeslyn Felicia Claresta Harli Florencia Gabriel Ganlin, Fesya Devina Putri Gesti Memarista Gosal, Joe Valentino Hadiputra, Vincentinus Felix Halim Santoso Halim, Kevin Halim, Richard Harijanto, Jessica Lorita Irawan, Fristy Ester irene angelina Ivan Kurniawan, Abraham Jesseline Violeta Jocelyn, Angelique Jovita, Ansella Junior, Jonathan Hartono Juwono, Angela Kenneth, Davin Kezia, Vanessa Kristanto, Kenny Brian Kurniawan, Abraham Ivan Lauwono, Lazaro Batigol Leksono, Alexander Nissan Limantara, Bryan Janson Limapriadi, Angelica Renata LOISOKLAY, WILKAR Luciana, Ellena Arinda Mahendra, Adrian Malonda, David Bryant Marselina Gunawan Mathew Hadap, Billy Melinda, Graceline Melissa Lesmana Michelle Feodora Gunawan, Michelle Feodora Mintarja, Natasya Morgan Gemiartha, Celine Philip Haryono Polandauw, Clarissa Amanda Pradigdo, Randy Aprilino Pwee Leng Reynard, Dave Rifka Yulanda Umar, Rifka Yulanda Rizaldy Tallo, Rizaldy Salviana, Fintacia Zelda Saputra, Louis Nichollas Sautma Ronni Selanova, Theressia Setiadiwiria, Mahersya Christiani Setiawan, Adrianus Bryan Setyono, Yemima Caroline Soetandio, Elena Erensia Steven Steven Sugianto, Everson Surasman, Imelda Kartika Susanto, Jeffrey Belmiro Susanto, Leonardo Christian Suseno, Sanvelia Angelica Sutjiono, Gabriella Lavenia Talahatu, William Tan, Felice Carmelite Aprilie Tandarto, Sefen Timothy Tetimau, Felicia Edlyn Timothy Tandarto, Sefen Tirtamurti, Lim Madeleine Tjahjono, Yosephine Mevia Velicia Gela, Kathryn Viena Elvani Vincentius Andrew Wahyudi, Raymond Wibisono, Audi Widjaja, Audrey Cerelia Widjanarko, Kevin Wijaya, Feysya Sandrina Wijaya, Joshua Wiranata, Destya Wong, Sharon Wongso, Enrico Yongky, Jonathan Elia Yosia, Clarence Yulius Cornelis, Yulius yusuf, keona adeline