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BEHAVIOUR FINANCE DALAM KEPUTUSAN BERHUTANG Dwi Perwitasari Wiryaningtyas
Growth Vol 15 No 2 (2017): JEBG November 2017
Publisher : Relawan Jurnal Indonesia

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Abstract

Artikel ini mengeksplorasi tentang behaviour finance dalam pengambilan keputusan hutang pada pelaku UMKM batik di Kabupaten Situbondo Jawa Timur. Data yang dikumpulkan menggunakan metode wawancara, studi literatur dan juga observasi secara langsung. Teknik analisis data yang digunakan adalah model interaktif yang mengacu pada model teknik analisis data kualitatif. Hasil penelitian menunjukkan bahwa sebagian besar pemilik UMKM batik di Situbondo berpendapat bahwa hutang merupakan hal yang positif sebagai sumber pendanaan dan stimulator. Berdasarkan hasil penelitian ditemukan bahwa terdapat tiga faktor psikologis yang dominan berperan dalam pengambilan keputusan hutang pada pemilik UMKM batik di Situbondo, yaitu optimist, availability, dan illusion of control.
PENGARUH KEPUTUSAN NASABAH DALAM PENGAMBILAN KREDIT PADA BANK KREDIT DESA KABUPATEN JEMBER Dwi Perwitasari Wiryaningtyas
Growth Vol 14 No 2 (2016): JEBG November 2016
Publisher : Relawan Jurnal Indonesia

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Abstract

Tujuan penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi keputusan nasabah dalam mengambil kredit pada Bank Kredit Desa (BKD) Kabupaten Jember. Penelitian ini dilaksanakan di BKD Kabupaten Jember dengan jumlah responden sebanyak 64 orang. Data yang dikumpulkan dengan metode kuesioner, dianalisis dengan analisis faktor melalui Statistical Program Social Scence (SPSS) for windows. Hasil penelitian menunjukkan bahwa terdapat 4 faktor yang mempengaruhi nasabah dalam mengambil kredit pada Bank Kredit Desa (BKD) Kabupaten Jember, yaitu faktor kebudayaan, faktor sosial, faktor psikologis, dan faktor pribadi. Besarnya variance explained masing-masing faktor tesebut secara berturut-turut, yaitu kebudayaan sebesar 53,646%, sosial sebesar 22,980%, psikologis sebesar 14,639%, dan pribadi sebesar 8,735%. Faktor kebudayaan menjadi faktor paling dominan yang memiliki variance explained tertinggi yaitu sebesar 53,646%.
PENGARUH BEHAVIORAL FINANCE TERHADAP KEPUTUSAN BERWIRAUSAHA PADA MAHASISWA FAKULTAS EKONOMI UNIVERSITAS ABDURACHMAN SALEH SITUBONDO Dwi Perwitasari Wiryaningtyas; Riska Ayu Pramesthi
Growth Vol 16 No 2 (2018): JEBG November 2018
Publisher : Relawan Jurnal Indonesia

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Abstract

This study aims to study the direct and indirect interactions of financial behavior, namely, demographic factors (X1) and psychological factors (X2), on entrepreneurial decisions (Y). Successful research outputs are research on knowledge about entrepreneurship, publishing new business opportunities for students themselves, for the surrounding community, needing funding from students and the community, and opening new jobs in the community. The population in this study were students of the Faculty of Economics, Abdurachman Saleh University Situbondo who won 983 students. This research uses purposive sampling technique that is sampling with criteria. Determination of the number of samples of respondents using Slovin formula, which amounted to 71 respondents. The method used is the survey method with the type of research explanation or explanation of the research. The data analysis technique used is multiple regression analysis. Demographic Factor Variable (X1) towards Entrepreneurial Decision (Y) based on t test can be associated with the significance of the demographic factor <α that is 0.010 <0.05. It means partially the demographic factor variable (X1) has a significant influence on entrepreneurial decisions (Y). While the influence of Psychological Factor Variables (X2) on entrepreneurial decisions (Y) that the significance value of the psychological factor variable <α is 0,000 <0.05. It means partially the psychological factor variable (X2) has a significant influence on entrepreneurial decisions (Y). Proving, proving the hypothesis that positions the hypothetical factor on entrepreneurial decisions in students of the Faculty of Economics, Abdurachman Saleh University Situbondo is proven true. From the results of the F test for Test F smaller than 0.05 (0,000 <0,05), then the demographic factors and psychological factors simultaneously have a significant effect on entrepreneurial decisions. Demographic factors and psychological factors that can affect the students of the Faculty of Economics, Abdurachman Saleh University Situbondo.
ANALISIS ECONOMIC VALUE ADDED SEBAGAI ALAT UNTUK MENGUKUR KINERJA KEUANGAN PADA PT. NIPPON INDOSARI CORPINDO TBK YANG TERDAFTAR DI BEI PERIODE 2014-2018 Ika Wahyuni; Dwi Perwitasari Wiryaningtyas; Siti Faika
Growth Vol 17 No 2 (2019): JEBG November 2019
Publisher : Relawan Jurnal Indonesia

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Abstract

This study aims to assess the financial performance of PT. Nippon Indosari Corpindo Tbk in the 2014-2018 period used Economic Value Added Analysis. Data analysis methods used in this research are Net Operating Profit After Tax, Invested Capital, Weighted Average Cost of Capital, Weighted Capital Cost, and Economic Value Added. The results of the study using Economic Value Added Analysis shows that Economic Value Added at PT. Nippon Indosari Corpindo Tbk during the past period experienced fluctuations in 2014 amounting to Rp70,191,382,851, an increase in 2015 of Rp 112,678,462,412 and decreased in 2016 amounting to Rp101,793.508,446, then decreased again in 2017 and 2018 amounting to Rp 99,383,770,798 and Rp 19,837,411,622. The value of EVA in EVA companies is > 0, which means that the company has created added value for the company even though each year the research experiences ups and downs of the EVA's value. Economic value added in this case the company in measuring economic profit has been fulfilled. Economic Value Added generated by companies can be considered healthy and positive value even though each year the research has fluctuated
Pengembangan Kapasitas Institusi Sekolah dalam Mendukung Program Makan Bergizi Gratis di SMP Negeri 7 Jember Zainuri Zainuri; Isti Fadah; Fajar Wahyu Prianto; Dwi Perwitasari Wiryaningtyas; Mohamad Rifqi Fathoni
Jurnal Pelayanan Masyarakat Vol. 2 No. 4 (2025): Desember:Jurnal Pelayanan Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/jpm.v2i4.2467

Abstract

The Free Nutritious Meal Program (MBG) is a national initiative to strengthen human resource quality, yet its success depends on schools’ capacity to plan, manage, and sustain implementation. This community engagement program aims to build the institutional capacity of SMP Negeri 7 Jember in planning and executing MBG, enhancing nutrition literacy among teachers, students, and parents, and fostering a sustainable collaboration model with relevant stakeholders. Using a Participatory Rural Appraisal (PRA) approach with a Plan–Act–Observe–Reflect cycle, the activities included baseline mapping of nutrition management, development of an action plan, training and mentoring for MBG SOP formulation, implementation of healthy eating practices, and reflective sessions for sustainability planning. The program resulted in improved managerial capacity, as evidenced by the development and initial application of MBG SOPs, stronger internal coordination, and increased nutrition knowledge, based on pre- and post–training scores. Parental involvement strengthened alignment between school and home practices, supporting the emergence of a healthy nutrition culture.