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THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL LITERACY ON NON-CASH TRANSACTION PREFERENCES Alfiana Alfiana; Listiana Sri Mulastih; Restu Widyo Sasongko; Ristati Ristati; Andi Amri
JURNAL ILMIAH EDUNOMIKA Vol 8, No 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11024

Abstract

Abstract Seiring dengan kemajuan zaman transaksi non-tunai dapat menjadi opsi dalam menggantikan transaksi tunai. Transaksi non-tunai harus didukung karena memiliki sejumlah dampak positif salah satunya mengurangi jumlah uang yang beredar di tengah masyarakat. Terdapat sejumlah faktor yang dapat mempengaruhi preferensi transaksi non-tunai diantaranya pengikatan literasi keuangan dan literasi digital. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan eksplanotri terhadap 250 mahasiswa yang tersebar di seluruh penjuru Indonesia berupa kota padang, Jakarta, Samarinda, dan Makassar. Data yang digunakan disebarkan melui kuisioner dengan skala likert 1-5 berisi setuju, sangat setuju, netral, tidak setuju, dan sangat tidak setuju. Hasil penelitian menunjukkan variabel Financial Literasi dan Digital Literacy memiliki arah hubungan positif dan pengaruh yang signifikan terhadap variabel Non-Cash Transaction Preferences. Keywords : Digital Literacy, Financial Literacy, Non-Cash Transaction Preferences.
Pengaruh Herding Behaviour, Regret Aversion Bias, Overconfidence, Dan Risk Tolerance Terhadap Keputusan Investasi Pada Generasi Milenial (Studi Kasus Pada PT. Phintraco Sekuritas Pojok Bursa FEB UNIMAL) Putri, Lidia Syah; Ristati, Ristati Ristati; Husaini, Husaini Husaini; Wardhiah, Wardhiah Wardhiah
Jurnal Visioner & Strategis Vol. 13 No. 1 (2024): Jurnal Visioner & Strategis, Edisi Maret 2024
Publisher : Department of Management Faculty of Economics and Business, UNIVERSITAS MALIKUSSALEH

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine how the influence of herding behavior, regret aversion bias, overconfidence, and risk tolerance on investment decisions in the millennial generation. The data used in this study is primary data obtained by distributing questionnaires to 97 investors who invested in PT. Phintraco Securities Corner of FEB Unimal Stock Exchange. The data analysis technique used in this study is multiple linear regression analysis using the help of SPSS software version 26. The results found that herding behavior and regret aversion bias had an insignificant negative effect on investment decisions. Meanwhile, overconfidence has a negative and significant effect on investment decisions. While risk tolerance has a positive effect on investment decisions at PT. Phintraco Securities Corner of FEB Unimal Stock Exchange. This shows that investors in PT. Phintraco Securities Corner FEB UNIMAL tends to make investment decisions based on fundamental analysis obtained from the company's financial condition and overall economic condition. Then investors also tend to pay attention to facts and data in making investment decisions and not just emotional factors, this is because investors at PT. Phintraco Securities Corner FEB UNIMAL tends to be bolder in taking higher investment risks and can get greater returns in the financial market. Keywords: Investment Decisions, Herding Behaviour, Regret Aversion Bias, Overconfidence, and Risk Tolerance
ANALYSIS OF THE INFLUENCE OF GOOD CORPORATE GOVERNANCE ON DIVIDEND POLICY IN PROPERTY AND REAL ESTATE SECTOR COMPANIES LISTED ON THE INDONESIAN STOCK EXCHANGE T. Hafifah Poetry Zulmi; Rico Nur Ilham; Muttaqien; Ristati
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 5 No. 2 (2023): IHERT (2023) SECOND ISSUE: International Conference on Health Science, Green Ec
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v5i2.371

Abstract

This research aims to determine the impact of good corporate governance as measured using the size of the board of commissioners, independent commissioners, size of the board of directors and leverage as control variables on dividend policy in property and real estate sector companies listed on the Indonesian stock exchange. This research uses a combination of cross section and time series data. The population from this research is 73 companies and the sample in this research is 28 companies using a purposive sampling technique. Data analysis used in this research uses the Panel Data Regression method with the help of the Eviews 10 application. The data used is secondary data which can be accessed via the official website www.idx.co.id. The research results found that the size of the board of commissioners had a positive and insignificant effect on dividend policy, independent commissioners had a positive and insignificant effect on dividend policy, the size of the board of directors had a positive and insignificant effect on dividend policy.
THE INFLUENCE OF FINANCIAL LITERACY, INVESTMENT KNOWLEDGE AND INVESTMENT MOTIVATION ON STUDENT INVESTMENT INTEREST IN LHOKSEUMAWE CITY Sumi Amelya Harahap; Rico Nur Ilham; Ristati; Muttaqien
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 5 No. 2 (2023): IHERT (2023) SECOND ISSUE: International Conference on Health Science, Green Ec
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v5i2.376

Abstract

This study aims to determine whether financial literacy, investment knowledge and investment motivation affect student investment interest in Lhokseumawe City. The data used in this study are primary data where the data is obtained by distributing questionnaires to students in Lhokseumawe City. The sampling technique used is purposive sampling with non probability sampling method. The number of respondents used as samples in this study was 100 people using the Lameshow formula. The data were analyzed using the partial least square method using SmartPLS 4.0 software. The results of this study indicate that financial literacy has a positive and significant effect on student investment interest in Lhokseumawe City with an original sample value of 0.474 and a P value of 0.000, investment knowledge has a positive but insignificant effect on student investment interest in Lhokseumawe City with an original sample value of 0.165 and a P value of 0.111 and investment motivation has a positive and significant effect on student investment interest in Lhokseumawe City with an original sample value of 0.334 and a P value of 0.001. This shows that financial literacy and investment motivation are very important for every student in Lhokseumawe City to increase their investment interest. Meanwhile, investment knowledge, high or low, has no effect on student investment interest in Lhokseumawe City.
Pelatihan Manajemen Keuangan terhadap UMKM Ristati
SABAJAYA Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 02 (2024): SABAJAYA: Jurnal Pengabdian kepada Masyarakat
Publisher : SABA JAYA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59561/sabajaya.v2i02.309

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan pendorong utama ekonomi di Indonesia, tetapi sering mengalami tantangan kompleks terkait manajemen keuangan. Artikel ini membahas hasil pelatihan manajemen keuangan UMKM di Aceh Utara, fokus pada pengelolaan, penyusunan laporan, dan pengendalian keuangan. Hasilnya menyoroti pentingnya pemisahan keuangan usaha dan pribadi, pencatatan keuangan yang teratur, serta pengelolaan arus kas yang efektif. Laporan keuangan UMKM menjadi instrumen penting dalam pengambilan keputusan finansial. Kesadaran dan pemahaman tentang manajemen keuangan, penyusunan laporan keuangan yang akurat, dan pengendalian keuangan yang efektif adalah faktor kunci dalam mencapai kesuksesan bisnis bagi pelaku UMKM. Dengan menerapkan praktik-praktik terbaik dalam pengelolaan keuangan, UMKM dapat meningkatkan kinerja keuangan mereka, mengurangi risiko keuangan, dan memastikan kelangsungan operasional bisnis mereka dalam jangka panjang. Dengan menerapkan praktik terbaik, UMKM dapat meningkatkan kinerja keuangan, mengurangi risiko, dan memastikan kelangsungan bisnis jangka panjang.
Pelatihan Pengembangan Usaha Kreatif Berbasis Kuliner Lokal Di Kota Lhokseumawe Ristati; Akhyar, Chairil; Marzuki; Mursidah; Zulham
SABAJAYA Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 05 (2024): SABAJAYA : Jurnal Pengabdian Kepada Masyarakat
Publisher : SABA JAYA PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59561/sabajaya.v2i05.431

Abstract

Indonesia, dengan populasi besar dan kekayaan budaya kulinernya, memiliki potensi signifikan dalam sektor ekonomi kreatif, khususnya dalam subsektor kuliner. Artikel ini membahas program pengabdian masyarakat yang dilaksanakan di kota Lhokseumawe, bertujuan untuk meningkatkan pemahaman dan kemampuan pelaku usaha dalam pengelolaan wisata kuliner. Program ini mencakup pelatihan dan sosialisasi dalam tiga tahap: sektor produksi, manajemen, dan pemasaran. Tahap pertama fokus pada pengolahan roti canai, tahap kedua pada tata kelola kampung wisata kuliner dan kewirausahaan, serta tahap ketiga pada strategi pemasaran melalui media sosial. Hasil program menunjukkan bahwa inovasi produk seperti roti canai beku dan olahan baru dapat meningkatkan daya tarik pasar. Evaluasi menunjukkan bahwa pelatihan dan pendampingan efektif dalam memperbaiki operasional dan pemasaran, meningkatkan produktivitas, serta memperluas jangkauan pasar. Penambahan pemahaman mengenai tata kelola, sapta pesona, perencanaan fasilitas, dan strategi pemasaran diharapkan memperkuat roti canai di Kota Lhokseumawe sebagai destinasi wisata kuliner dan mendorong pertumbuhan ekonomi lokal.
THE INFLUENCE OF LOCAL OWN-SOURCE REVENUE (PAD) ON THE FINANCIAL INDEPENDENCE OF REGENCIES/CITIES THROUGHOUT SUMATRA ISLAND Sri Rizky; Chairil Akhyar; Ristati; Husaini
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 1 No. 4 (2023): April
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v1i4.55

Abstract

This study examines the influence of Local Own-source Revenue (PAD) and gross regional domestic product on regional financial independence in regencies/cities on Sumatra Island in 2020. This study uses secondary data in the form of budget realization reports published at the Directorate General of Fiscal Balance. The sample in this study consists of 154 regencies/cities throughout Sumatra Island. The data analysis method used is multiple linear regression using Eviews 12. The results partially indicate that Local Own-source Revenue (PAD) and gross regional domestic product have a positive and significant effect on regional financial independence in districts/cities on the island of Sumatra year 2020.
DETERMINANTS OF CAPITAL STRUCTURE OF PLANTATION COMPANIES ON THE INDONESIAN STOCK EXCHANGE Chairul Azman; Ristati; Yusniar; Chairil Akhyar
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 2 No. 2 (2023): October
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v2i2.109

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This study aims to determine the determinants of the capital structure of plantation companies on the Indonesia Stock Exchange. The data used in this research is secondary data from 22 plantation companies during the research period from 2017 to 2021 so that the observations in the study totaled 110 observations. The method used to analyze the relationship between the independent variables and the dependent variable is the panel data regression method. The results showed that partially Tangibility had a positive and significant effect on capital structure in Plantation Companies on the Indonesia Stock Exchange, Profitability had a positive and significant effect on capital structure in Plantation Companies on the Indonesia Stock Exchange, and Liquidity had a positive and significant effect on capital structure in Plantation Companies on the Indonesian Stock Exchange.
THE INFLUENCE OF COGNITIVE FINANCE, FINANCIAL LITERACY, FINANCIAL PLANNING, AND FINANCIAL SATISFACTION ON STOCK INVESTMENT BEHAVIORAL INTENTIONS (Case Study of Young Entrepreneurs in Lhokseumawe City) Chiril Akhyar; Ulya Alfajri; Ristati; Jummaini
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 2 No. 4 (2024): April
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v2i4.143

Abstract

This research aims to determine the influence of cognitive finance, financial literacy, financial planning, and financial satisfaction on behavioral intentions to invest in shares. The research method used in this research is quantitative research. The population in this research is young entrepreneurs from Lhokseumawe City who intend to invest in shares, by taking a sample of 96 respondents using a purposive sampling technique. The data collection method in this research is by distributing questionnaires online and directly to young entrepreneurs in Lhokseumawe City. The data analysis used is multiple linear regression. The aim of this research is to find out how much young entrepreneurs in Lhokseumawe City invest in shares. This data was obtained after distributing questionnaires to young entrepreneurs whose criteria had been determined. The research results show that partially the cognitive financial variables and financial satisfaction have a significant effect on the behavioral intention to invest in shares by young entrepreneurs in Lhokseumawe City, while the variables financial literacy and financial planning do not significantly influence the behavioral intention to invest in shares. Based on the research results, the most dominant variable is cognitive finance, which greatly influences young entrepreneurs in Lhokseumawe City to invest in shares.
THE EFFECT OF CASH TURNOVER, INVENTORY TURNOVER AND RECEIVABLES TURNOVER ON PROFITABILITYAT A FOOD AND BEVERAGES COMPANY ON THE INDONESIAN STOCK EXCHANGE Ristati; Sri Wahyuni; Chairil Akhyar; Halida Bahri
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 2 No. 4 (2024): April
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v2i4.144

Abstract

This study aims to examine the Influence of Cash Turnover, Inventory Turnover, and Accounts Receivable Turnover on Profitability in Food and Beverage Companies listed on the Indonesia Stock Exchange. The data used in this study is secondary data from 18 companies over six years. The method used to analyze the relationship between independent variables and dependent variables is the multiple linear regression analysis method. The results show that Cash Turnover has a positive and significant influence on profitability in Food and Beverage Companies listed on the Indonesia Stock Exchange, Inventory Turnover has a positive and significant influence on profitability in Food and Beverage Companies listed on the Indonesia Stock Exchange, and Accounts Receivable Turnover has a positive and significant influence on profitability in Food and Beverage Companies listed on the Indonesia Stock Exchange.
Co-Authors A Hadi Arifin Achmad Zahrudin Akhyar, Chairil Alfiana Alfiana Alfiana Alisa Adelena Altalarik, Agel Andi Amri Bahri, Halida Chairil Ahyar Chairil Akhyar Chairul Azman Chalirafi Chalirafi, C Chalirafi, Chalirafi Chetty Tristantia Tarigan Chiril Akhyar Cut Zahrani Darmawati Darmawati Dellis Pratika, Dellis EM Yusuf Iis Emmy Hamidah Eni Rakhmawati Fauzi, Iwan Ghazali Syamni Ghazali Syamni Husaini Husaini Husaini Husaini, Husaini Husaini I Nengah Sudipa I NYOMAN SUPARWA Ikramuddin, Ikramuddin Jummaini Khairina AR. Lesly Martha Cecylia Meka Lianti Lianti Listiana Sri Mulastih Listiana Sri Mulatsih Lusi Afriliana M. Raja Rafli Mardhiah, Ainol Maria Arina Luardini Mariyudi Marzuki Marzuki Marzuki Marzuki Marzuki Matriadi, Faisal Misrita Muhamad Risal Tawil Muhammad Fikri Akbar Muhammad Hafidz Akbar Mursidah Mursidah Muttaqien Muttaqien Muttaqien Muttaqien Muttaqin Muttaqin Ni Made Dhanawaty Nofianti Nofianti Nurainun Nurjanna Ladjin Nurlela Nurlela Nurlela Nurlela, Nurlela Oki Dwipurwani Ola Liana ZK Pratiwi, Rati Putri, Lidia Syah Rahmaniar Raihan Cahaya Raisa Salsabila Reja Azwani Restu Widyo Sasongko Rico Nur Ilham Rieneke Ryke Kalalo Risa Novia Riska Yanti Rogas, Yasin Ali Saifuddin Sean Michael Owen Wijaya Siti Zahara Sri Rizky Sri Wahyuni Sultan Fadlullah Nuri Sumi Amelya Harahap Sutriani Syamsul Bahri Syifa Azzahra T. Hafifah Poetry Zulmi Ulya Alfajri Wahyuddin Albra Wahyuddin Wahyuddin Wardhiah Wardhiah, Wardhiah Wardhiah Wardiah Wardiah Wendy Wendy Yanita Yoskapela Yoskapela Yurianti, Ridha Alifa Yusniar Yuyun Wahyuni Zuhra Zulfan Zulham Zulham Zulham Zulham, Z Zulhamdi Zulhamdi