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All Journal Journal of Accounting and Management Innovation Journal of Accounting and Management Innovation Jurnal Penelitian Akuntansi
Andoko Andoko
Universitas Pelita Harapan
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Journal : Journal of Accounting and Management Innovation

 1 
EXPLANATORY ANALYSIS OF FINANCIAL PLANNING ON HOUSEHOLD FINANCIAL BEHAVIOR Andoko Andoko; Yenni Martok
Journal of Accounting and Management Innovation Vol 4, No 2 (2020)
Publisher : Universitas Pelita Harapan Medan Campus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/%JAMI%6%2%2022%

Abstract

The purpose of this study is to analyse financial planning on the financial behaviour of household. Research method is using library research. From the discussion, it can be concluded that financial planning is the tool for the financial decision making for family.  Financial planning is the process where someone can fulfil the requirement of daily life. It will be done by doing or implementing according to the planning process that he understand. Financial planning is very important to make sure that the life will be better for the people.  Household financial behaviour is important to wealth building. Ignorance of financial concepts involves great uncertainty about the future. Financial planning has positive effects to financial behaviour of household entities. Financially secure families are able to contribute and foster community economic development.Keywords: Financial Planning, Household Financial Behaviour  AbstrakPenelitian bertujuan untuk menganalisa perencanaan keuangan pada perilaku keuangan rumah tangga. Metode penelitian menggunaka penelitian kepustakaan. Dari pembahasan penelitian ini, dapat disimpulkan bahwa perencanaan keuangan dapat disimpulkan bahwa literasi keuangan dan perencanaan keuangan dapat disimpulkan bahwa literasi keuangan dan perencenaan keuangan adalah alat untuk membuat keputusan keuangan di keluarga. Perencanaan keuangan adalah suatu proses dimana seseorang dapat memenuhi kebutuhan dari kehidupan sehari hari. Itu akan dilakukan dengan pengerjaan atau implemntasi dari proses perencanaan yang dia mengerti. Perencanaan keuangan sangatlah penting untuk memperhatikan hidup seseorang menjadi baik untuk orang lain. .Perilaku keuangan rumah tangga penting untuk pembangunan kekayaan. Ketidaktahuan pada konsep keuangan melibatkan ketidakpastian yang besar di masa depan. Perencanaan keuangan mempunyai efek yang positif ke perilaku keuangan rumah tangga. Keluarga yang aman secara keuangan dapat memberikan kontribusi dan mendorong pembangunan ekonomi dalam komunitas.  Keywords:  Perencanaan Keuangan, Perilaku Keuangan Rumah Tangga
Prediksi Kebangkrutan Perusahaan Berdasarkan Analisa Model Z-Score Altman Studi Kasus Pada Pt. Telekomunikasi Selular (Telkomsel) Andoko Andoko
Journal of Accounting and Management Innovation Vol 5, No 2 (2021)
Publisher : Universitas Pelita Harapan Medan Campus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/ami.v5i2.473

Abstract

This study was conducted to determine whether the PT. Telkomsel Tbk. predicted to be bankrupt according to Z-score model analysis of the 2010-2012 annual report. Population of this research consists of 7 companies, namely: 6 companies listed on the Stock Exchange add up with PT. Telkomsel Tbk., with 6 companies taken as sample by purposive sampling method Data used in this study is secondary data in the form of financial statements of each sample, which is published in www.telkomsel.com , www.bakrietelecom.com , www.indosat.com , www.inovisi.com , www.smartfren.com , www.xl.co.id , and www.idx.co.id. Independent variables used are Working Capital to Total Assets Ratio (X1), Retained Earnings to Total Assets Ratio (X2), Earnings Before Interest and Taxes to Total Assets Ratio (X3), Book Value Equity to Book Value of Total Liabilities Ratio (X4), with the value of the Z-Score as the dependent variable. Analysis technique that is being used is Altman Z-Score analysis, descriptive statistics as well as the Mann Whitney test. The analysis of the Altman Z-Score to PT. Telkomsel Tbk., shows Z-Score value of 4.557 in 2010, 5.581 in 2011, and 6.899 in 2012, so PT. Telkomsel Tbk. is within the safe zone because the Z - Score value is greater than 2.60. Based on the Mann Whitney test, shows that the PT. Telkomsel Tbk. have significant differences in the value of the Z-Score with PT. Bakrie Telecom Tbk. (Z-Score year 2012-2010 = -0.044; 2.297; 3.783), PT. Indosat Tbk. (Z-Score year 2012-2010 = 4.714; 4.442; 4.372), PT. Smartfren Telecom Tbk. (Z-Score year 2012-2010 = 0.251; -0.511; -3.373), PT. XL Axiata Tbk. (Z-Score in 2012-2010 = 4,837; 4,734; 5.406), whereas PT. Infracom Tbk. (Z-Score year 2012-2010 = 11.298; 8.902; 8.857) had no significant difference in the value of the Z-score with PT. Telkomsel Tbk. The financial condition of PT. Telkomsel Tbk. relatively better than other telecom companies listed on the Stock Exchange from 2010-2012.Keywords : Z-Score, bankruptcy prediction
Co-Authors Yenni Martok