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Determinant Stock Return in Energy Sector Period 2017 - 2022 Talahatu, William; Linawati, Nanik
Technology, Business and Entrepreneurship Vol. 1 No. 2 (2023): Technology, Business and Entrepreneurship
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Institut Teknologi dan Bisnis Sabda Setia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61245/techbus.v1i2.7

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This study aims to analyze the influence of the variables Net Income, Rupiah Exchange Rate, and Operational Cash Flow on stock returns in the energy sector. This research was conducted using time series data for the period 2017-2022. The data analysis method in this research involves the use of a multiple linear regression model to identify the influence of Net Income, Rupiah Exchange Rate and Operational Cash Flow on stock returns in the energy sector during the period 2017-2022. Results This research shows that Net income has a significant effect on stock returns in the energy sector, the Rupiah Exchange Rate has a significant effect on stock returns in the energy sector. Apart from that, Operational Cash Flow does not have a significant effect on stock returns in the energy sector.
Merger InJourney Airports: Optimalisasi Sinergi Operasional dan Keuangan dalam Industri Aviasi Indonesia Ivan Kurniawan, Abraham; Mathew Hadap, Billy; Morgan Gemiartha, Celine; Edbert Sudarsono, Jethson; Adeline Yusuf, Keona; Linawati, Nanik
Journal of Accounting and Finance Management Vol. 6 No. 2 (2025): Journal of Accounting and Finance Management (May - June 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i2.1914

Abstract

Penelitian berjudul "Merger InJourney Airports: Optimalisasi Sinergi Operasional dan Keuangan dalam Industri Aviasi Indonesia" mengkaji penggabungan PT Angkasa Pura I dan PT Angkasa Pura II menjadi InJourney Airports pada September 2024. Penggabungan ini bertujuan meningkatkan efisiensi operasional, kinerja keuangan, dan kualitas layanan di sektor aviasi Indonesia. Penelitian menggunakan pendekatan kualitatif deskriptif dengan menganalisis data sekunder, seperti laporan keuangan, laporan kinerja, dan publikasi media periode 2020-2024. Hasil penelitian menunjukkan bahwa penggabungan berhasil meningkatkan efisiensi operasional melalui standarisasi prosedur operasional dan teknologi, seperti sistem check-in digital yang mengurangi waktu tunggu penumpang hingga 15%. Kinerja keuangan juga meningkat, ditunjukkan oleh kenaikan Return on Assets dari 4,5% pada 2023 menjadi 4,8% pada 2024 dan Return on Equity dari 8,2% menjadi 9,0%. Proses due diligence efektif meminimalkan risiko, sementara investasi teknologi mendukung peningkatan kualitas layanan. Penelitian ini menyimpulkan bahwa penggabungan InJourney Airports mencapai sinergi operasional dan keuangan, memperkuat daya saing global.
Factors Influencing the Adoption of Digital Banking: Generation Z in Surabaya Kurniawan, Abraham Ivan; Morgan Gemiartha, Celine; Edbert Sudarsono, Jethson; Wijaya, Joshua; Adeline Yusuf, Keona; Linawati, Nanik
Journal of Accounting and Finance Management Vol. 6 No. 2 (2025): Journal of Accounting and Finance Management (May - June 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i2.1915

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The study titled "Factors Influencing the Adoption of Digital Banking: Generation Z in Surabaya" examines the influence of digital financial literacy comprising financial knowledge, financial behavior, and financial attitude on the interest in adopting digital banking services among Generation Z in Surabaya. A quantitative research method was employed using a survey approach. The respondents consisted of 115 individuals aged 18–28 years in Surabaya, selected through purposive sampling. Data were collected via online questionnaires and analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with SmartPLS. The results indicate that financial behavior and financial attitude significantly influence the interest in using digital banking, while financial knowledge shows no significant effect. These findings offer valuable insights for digital banking service providers to tailor strategies that align with the financial behavior and preferences of young users.
Pemberdayaan masyarakat Desa Sooko melalui pembelajaran keuangan: Pemahaman arus kias dan strategi menabung untuk keberlanjutan ekonomi Halim, Kevin; Timothy Tandarto, Sefen; Bryan Setiawan, Adrianus; Linawati, Nanik
Abdimas Siliwangi Vol. 8 No. 2 (2025): Juni 2025
Publisher : IKIP SILIWANGI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22460/as.v8i2.27124

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Pengelolaan keuangan yang baik masih menjadi tantangan bagi warga desa Soko, terutama akibat rendahnya literasi keuangan di kalangan mereka. Salah satu permasalahan utama yang dihadapi adalah ketidakmampuan untuk memahami dan mencatat arus kas rumah tangga secara terstruktur. Hal ini menyebabkan mereka kesulitan dalam mengatur keuangan, membedakan antara kebutuhan dan keinginan, serta tidak memiliki gambaran yang jelas mengenai kondisi keuangan mereka. Selain itu, mayoritas warga juga tidak memiliki dana darurat atau tabungan, yang membuat mereka rentan terhadap masalah keuangan di saat-saat sulit. Kegiatan pengabdian kepada masyarakat ini menekankan pentingnya selektif dalam menggunakan uang mereka untuk keperluan hidup dengan mempertimbangkan skala prioritas dan mengenai pentingnya pencatatan arus kas sebagai langkah awal dalam pengelolaan keuangan yang lebih baik. Warga diajarkan untuk mengutamakan pembelian kebutuhan yang sesuai dengan fungsi, bukan berdasarkan keinginan semata. Dengan pendekatan ini, diharapkan warga dapat lebih bijaksana dalam mengelola pengeluaran mereka, sehingga dapat menciptakan kondisi keuangan yang lebih stabil dan terencana.
Meningkatkan kesadaran finansial generasi muda melalui pelatihan literasi keuangan di sekolah menengah atas Gosal, Joe Valentino; Wijaya, Joshua; Yosia, Clarence; Linawati, Nanik
Penamas: Journal of Community Service Vol. 5 No. 2 (2025): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v5i2.1782

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This community service initiative aimed to enhance financial awareness among high school students at SMAK Petra 2 Surabaya by implementing comprehensive and interactive financial literacy training. The program utilized a service-learning approach integrating active academic learning with community engagement. The activities included interactive lectures, group discussions, a personal financial goal-setting workshop, a digital quiz competition, basic investment education, and an educational card game titled “Stock Quartet.” These components introduced key financial concepts such as budgeting, saving, and investing in an accessible and engaging way. The digital quiz measured students’ comprehension, while the game reinforced stock market understanding in a fun context. Data were collected using the STARS method, direct observation, quiz scores, and analysis of student financial plans. The results showed increased financial literacy, improved savings behavior, and greater student awareness of the importance of early financial planning. This approach effectively cultivated a healthy financial mindset, empowered students to make informed financial decisions, and encouraged long-term financial responsibility. The outcomes indicate that practical and enjoyable financial education can be critical in developing financially literate youth prepared to face future economic challenges.
Analysis of the Impact of Merger and Acquisition on Customer Satisfaction and Loyalty of Banking Companies in Indonesia Alexander, Gloria; Tetimau, Felicia Edlyn; Mahendra, Adrian; Linawati, Nanik
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 2 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku3799

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This study observes the influence of mergers and acquisitions (M&A) towards customer satisfaction and loyalty of banking companies in Indonesia. It investigates how M&A activities affect consumer perceptions, service quality, and brand trust. Using survey data from news articles & customers of companies that have undergone M&A between 2018 and 2023, this study uses a quantitative approach with statistical analysis, including regression models and correlation analysis, to assess shifts in customer sentiment. The results acknowledge that while M&A can create operational efficiencies and expand service offerings, they sometimes lead to short-term decrease in customer satisfaction due to service disturbance and brand identity changes. Customers possibly encounter uncertainty about the product quality, pricing readjustments, and consistency of the service, affecting their general satisfaction. Nevertheless, companies with effective post-M&A combination, containing transparent communication, service consistency, and customer engagement, may maintain customer loyalty. Furthermore, brand reputation and trustworthiness play a big role in building post-M&A consumer behavior. Customers tend to remain loyal when they recognize stability and upgraded benefits after the merger. Though M&A develop opportunities for business growth, they also pose a threat to customer relationships if not executed correctly. Understanding these interactions is essential for companies to direct consumer doubts, enhance customer loyalty strategies, and maximize the long-term advantages of M&A.
Changes in Bank Service Quality After Merger: A Case Study on Banks in Indonesia Alexander, Gloria; Tetimau, Felicia Edlyn; Mahendra, Adrian; Linawati, Nanik
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 5 No. 2 (2025)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku3882

Abstract

Bank mergers are a strategic initiative aimed at enhancing financial stability, expanding market share, and improving service efficiency. This study examines the impact of bank mergers on service quality in Indonesia, with a particular focus on customer satisfaction, operational efficiency, and brand trust across three different generations (gen X, millennials, & gen Z). Using qualitative methods, this research analyzes survey data derived from news articles and customer feedback from banks that underwent mergers between 2018 and 2023. The findings indicate that bank mergers often result in improved digital services, broader service offerings, and greater operational efficiency. However, they may also lead to short-term challenges, including service disruptions, policy changes, and shifts in brand identity. These disruptions can create uncertainty around product offerings, pricing, and service consistency, potentially affecting overall customer satisfaction. Nevertheless, banks that effectively manage post-merger integration—through transparent communication, consistent service delivery, and proactive customer engagement—are better positioned to retain customer loyalty. Moreover, brand reputation and perceived stability play a crucial role in shaping customer trust and retention following a merger. While mergers offer significant opportunities for growth and innovation, they also pose risks to customer relationships if not carefully managed. Therefore, understanding these dynamics is essential for banks seeking to address customer concerns, strengthen retention strategies, and realize the long-term benefits of mergers.
The Importance of Self-Control in Financial Management for the Future of Kindergarten Students : Pentingnya Pengendalian Diri Dalam Pengelolaan Keuangan Bagi Masa Depan Pada Siswa Taman Kanak - Kanak Alexander, Gloria; Tetimau, Felicia Edlyn; Linawati, Nanik
Mattawang: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.mattawang2555

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Self-control in managing money is very important in life. Knowledge and skills about finance need to be instilled as early as possible to form positive behavior in the future. Therefore, one of the efforts made to instill this attitude in children is by carrying out community service activities. This community service activity was carried out by Petra Christian University students by teaching children at Petra Christian Kindergarten 9. There were various forms of activities carried out. Some of them are puppet shows, coloring, singing together, and decorating piggy banks. The purpose of these activities are to increase children's understanding of the importance of financial management, hone their creativity, and encourage frugal living habits. It is hoped that this community service activity will create better awareness about financial management among the Alpha generation, as well as prepare them for a financially stable future. Abstrak Pengendalian diri dalam mengelola keuangan merupakan hal yang sangat penting dalam kehidupan. Pengetahuan dan keterampilan dalam mengelola keuangan ini perlu ditanamkan sedini mungkin untuk membentuk perilaku yang positif di masa depan. Oleh karena itu, salah satu upaya yang dilakukan untuk menanamkan sikap ini pada anak-anak, adalah dengan melakukan kegiatan pengabdian masyarakat. Kegiatan pengabdian masyarakat ini dilakukan oleh mahasiswa-mahasiswa Universitas Kristen Petra dengan mengajar anak-anak di TK Kristen Petra 9. Bentuk kegiatan yang dilakukan ada bermacam-macam. Beberapa diantaranya adalah pertunjukan boneka, mewarnai, menyanyi bersama, serta menghias celengan. Tujuannya adalah untuk meningkatkan pemahaman anak-anak tentang pentingnya pengelolaan keuangan, mengasah kreativitas mereka, dan mendorong kebiasaan hidup hemat. Dari kegiatan pengabdian masyarakat ini, diharapkan akan menciptakan kesadaran yang lebih baik tentang pengelolaan keuangan di kalangan generasi Alpha, serta mempersiapkan mereka untuk masa depan yang stabil secara finansial.
Peningkatan Kemampuan Mengelola Keuangan untuk Kesejahteraan Masyarakat Desa Sooko Gresik Andela, Valencia; Kezia, Vanessa; Kenneth, Davin; Linawati, Nanik
Jurnal Abdimas Mandiri Vol. 9 No. 2
Publisher : UNIVERSITAS INDO GLOBAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jam.v9i2.5397

Abstract

Pengelolaan keuangan personal yang efektif memerlukan pemahaman yang baik tentang prinsip-prinsip dasar keuangan, seperti perencanaan anggaran, tabungan, pengelolaan utang, serta investasi. Namun, di kalangan masyarakat desa, khususnya di Desa Sooko-Gresik masih memiliki literasi keuangan yang rendah. Masyarakat Desa Sooko-Gresik masih terbatas dalam pengetahuan dasar tentang pengelolaan keuangan, seperti pengeluaran yang tidak terkontrol, kurangnya tabungan, dan ketidakmampuan dalam merencanakan masa depan finansial. Keadaan ini memperburuk kondisi ekonomi mereka, di mana sebagian besar penduduk hidup dari pendapatan yang terbatas, telah menghambat kemampuan mereka dalam mengelola keuangan pribadi secara optimal. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan pada pengelolaan keuangan personal di Desa Sooko-Gresik dengan memberikan Langkah-langkah konkret untuk meningkatkan literasi keuangan masyarakat. Metode pelaksanaan yang dilakukan adalah pemaparan materi mengenai arus kas dan mengumpulkan data melalui in-depth interview, simulasi pencatatan keuangan, permainan edukatif, dan kuis evaluasi di akhir kegiatan untuk mengukur pemahaman peserta kegiatan pengabdian masyarakat. Setelah kegiatan selesai, peningkatkan literasi keuangan warga Desa Sooko-Gresik arus kas, perbedaan kebutuhan dan keingan, serta lebih peka terhadap kondisi keuangan mereka meningkat hingga 80% diukur dengan pre-test dan post-test. Kegiatan pengabdian masyarakat ini bermanfaat guna meningkatkan literasi keuangan warga desa dan diharapkan dapat mendorong pemahaman yang lebih fungsional pada keuangan jangka panjang warga desa Sooko-Gresik.
PENINGKATAN LITERASI KEUANGAN BAGI SISWA SMA MENGGUNAKAN METODE INTERACTIVE LEARNING Wong, Sharon; Wiranata, Destya; Setiadiwiria, Mahersya Christiani; Mintarja, Natasya; Jovita, Ansella; Soetandio, Elena Erensia; Linawati, Nanik
INTEGRITAS : Jurnal Pengabdian Vol 9 No 2 (2025): AGUSTUS - DESEMBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat - Universitas Abdurachman Saleh Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/integritas.v9i2.6357

Abstract

Di zaman modern ini, pengetahuan finansial sangat penting untuk dimiliki oleh setiap individu. Pengetahuan mengenai mengelola keuangan pribadi harus ditanamkan dalam diri semua manusia sejak dini. Kegiatan pengabdian masyarakat di kelas X SOCIAL 2 Sekolah Menengah Atas Nation Star Academy telah dilakukan untuk mengatasi masalah kurangnya literasi keuangan di kalangan remaja usia 15-17 tahun. Metode pengajaran interactive learning digunakan untuk memberikan edukasi literasi keuangan ke para murid SMA, yang bertujuan untuk mendorong keaktifan para murid dalam berpartisipasi dalam pembelajaran. Pengabdian masyarakat dilakukan dalam tiga tahap, yaitu tahap persiapan untuk menentukan komunitas yang akan dilayani dan persiapan materi dan games yang akan dilakukan, tahap pelaksanaan aktivitas belajar-mengajar, dan tahap evaluasi yang dilakukan melalui games untuk melihat seberapa jauh para murid telah memahami materi. Hasil dari pengabdian masyarakat sangat memuaskan karena para murid yang awalnya tidak terlalu mengerti mengenai materi-materi yang diajarkan menjadi jauh lebih paham mengenai literasi keuangan, yang dibuktikan melalui keaktifan ketika memainkan games, dan perbandingan nilai pre-test dan post-test yang sangat baik. Melalui interactive learning, siswa-siswi kelas X SOCIAL 2 Sekolah Menengah Atas Nation Star Academy menjadi lebih melek finansial.
Co-Authors Adeline Yusuf, Keona Adisty Malliani Kusnadi Agnes Natalia Aileen Florencia Elliane Airell, Vernando Alexander, Gloria Andela, Valencia Angelica Renata Limapriadi Angelique Jocelyn Ansella Jovita Ansella Jovita Teguh Anthony Wijaya Arron Oxford Bavani, Melinda Bingky Kurniawan Bryan Setiawan, Adrianus Chandra, Tirzah Febiola Chrisdiouf, Justin Christian Chandra Christopher Bradley Budiono Chyntia Kartika Sanjaya Cindy Marcha Pongtuluran Citrawati, Irene Clarissa Amanda Clarissa Amanda Polandauw Cynthia, Angelina Dave Reynard de Fretes, Michael Genesis Bimasatrya Destya Wiranata Edbert Sudarsono, Jethson Edric Ferdian Eduardo, Farrell Ionwyn Elvira Unola Enzo Budiman Eveline, Jessica Evelyn Okky Santoso, Evelyn Okky Ezar, Grecia Jeslyn Ezra Christopher Farrell Ionwyn Eduardo Felicia Claresta Harli Felita Angelina Florencia Gabriel Fristy Ester Irawan Gabiella Lavenia Sutjiono Gabriela Sunjono Gabriella Wiandoko Ganlin, Fesya Devina Putri Gesti Memarista Gevionita Gevionita Glenn Abel Iskandar Gosal, Joe Valentino Gracia Verina Soewignjo Hadiputra, Vincentinus Felix Halim Santoso Halim, Kevin Halim, Richard Harijanto, Jessica Lorita Inlian Wijaya Irene Angelina irene angelina Irene Citrawati Ivan Kurniawan, Abraham Jeffrey Belmiro Susanto Jennifer Fiolyn Jennifer Lynn Silverio Jesseline Violeta Jessica Marlyn Jocelyn, Angelique Joe Valentino Jonathan Hartono Jovita, Ansella Junior, Jonathan Hartono Juwono, Angela Karyn Adikusuma Katryn Kenneth Anderson Harsono Kenneth, Davin Kenny Brian Kentzo Kentzo Yang Kevin Harly Jipantoro Kezia Laetitia Junaidi Kezia, Vanessa Kristanto, Kenny Brian Krystalinna Lindsey Sutanto Kurniawan, Abraham Ivan Lauwono, Lazaro Batigol Leksono, Alexander Nissan Lim Madeleine Tirtamurti Limantara, Bryan Janson LOISOKLAY, WILKAR Luciana, Ellena Arinda Mahendra, Adrian Mahersya Christiani Setiadiwiria Malonda, David Bryant Marselina Gunawan Mathew Hadap, Billy Melinda, Graceline Melissa Lesmana Michael Sebastian Hamson Michelle Feodora Gunawan, Michelle Feodora Mintarja, Natasya Morgan Gemiartha, Celine Natasya Mintarja Natasya Rutdian Nathania Cherryl Prayogo Nehemia Parham Njo Anastasia Pertiwi, Dewi Philip Haryono Polandauw, Clarissa Amanda Pradigdo, Randy Aprilino Pwee Leng Rachel Cintantya Hapsari Raymond Wahyudi Raymond Wahyudi Raymond Wahyudi Reynard, Dave Rifka Yulanda Umar, Rifka Yulanda Rizaldy Tallo, Rizaldy Salviana, Fintacia Zelda Samuel Stevenson Moesaffa Sanvelia Angelica Suseno Saputra, Louis Nichollas Sautma Ronni Selanova, Theressia Setiadiwiria, Mahersya Christiani Setiawan, Adrianus Bryan Setyono, Yemima Caroline Sharon Wong Simon Hendrik Leasa Soetandio, Elena Erensia Stella Halim Steven Steven Sugianto, Everson Surasman, Imelda Kartika Susanto, Jeffrey Belmiro Susanto, Leonardo Christian 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 Vincent Djaja Vincentinus Felix Vincentius Andrew Vincentus Felix Wahyudi, Raymond Wibisono, Audi Widjaja, Audrey Cerelia Widjanarko, Kevin Wijaya, Feysya Sandrina Wijaya, Joshua Winston Djuwito Wiranata, Destya Wong, Sharon Wongso, Enrico Yongky, Jonathan Elia Yosia, Clarence Yulius Cornelis, Yulius yusuf, keona adeline