Articles
<![CDATA[Pengaruh Lokus Pengendalian dan Pengetahuan Keuangan pada Perilaku Manajemen Keuangan Generasi Milenial dengan Moderasi Pendapatan ]]>
<![CDATA[Indria Fatmawati]]>;
<![CDATA[Lutfi]]>
<![CDATA[ Jurnal Manajemen dan Keuangan Vol 10 No 1 (2021): JURNAL MANAJEMEN DAN KEUANGAN ]]>
Publisher : <![CDATA[Program Studi Manajemen Fakultas Ekonomi Universitas Samudra ]]>
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DOI: 10.33059/jmk.v10i1.3340
<![CDATA[Penelitian ini berupaya untuk mengkaji pengaruh dari lokus pengendalian dan pengetahuan keuangan pada perilaku manajemen keuangan generasi milenial dengan pendapatan sebagai moderator. Sampel penelitian ini adalah 216 responden generasi milenial berusia 20 - 39 tahun, yang berdomisili di Surabaya, Gresik dan Sidoarjo. Analisis data menggunakan model persamaan struktural (PLS-SEM). Temuan penelitian membuktikan bahwa lokus pengendalian dan pengetahuan keuangan berdampak positif secara signifikan signifikan pada perilaku keuangan generasi milenial. Sebaliknya, pendapatan tidak terbukti berpengaruh signifikan tpada perilaku keuangan. Selain itu, tidak terdapat bukti signifikan bahwa pedapatan mampu memperkuat pengaruh pengetahuan keuangan terhadap perilaku keuangan. Hal ini berarti generasi milenial perlu meningkatkan pengetahuan keuangan serta keyakinan dan kemampuan dalam mengendalikan kondisi keuangan.]]>
<![CDATA[The influence of risk perception, risk tolerance, overconfidence, and loss aversion towards investment decision making ]]>
<![CDATA[Nadya Septi Nur Aini]]>;
<![CDATA[Lutfi Lutfi]]>
<![CDATA[ Journal of Economics, Business, & Accountancy Ventura Vol 21, No 3 (2018): December 2018 - March 2019 ]]>
Publisher : <![CDATA[STIE Perbanas Surabaya ]]>
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DOI: 10.14414/jebav.v21i3.1663
<![CDATA[This study aims to examine the effect of risk perception, risk tolerance, overconfidence, and loss aversion on investment decision making. The sample in this study were workers in Surabaya and Jombang, East Java. There were 400 respondents taken using a questionnaire through the survey method. This study used PLS-SEM (Partial Least Square-Structural Equation Model) as a data analysis technique. The results showed that risk perception has a significant and negative effect on investment decision making, risk tolerance and overconfidence have a significant and positive effect on investment decision making, while loss aversion has no effect on investment decision making. This research is expected to provide an overview of how to deal with risk in investment and how to avoid behavioral biases in investment decisions making.]]>
<![CDATA[The role of board of commissioners and transparency in improving bank operational efficiency and profitability ]]>
<![CDATA[Lutfi Lutfi]]>;
<![CDATA[Meliza Silvy]]>;
<![CDATA[Rr. Iramani]]>
<![CDATA[ Journal of Economics, Business, & Accountancy Ventura Vol 17, No 1 (2014): April 2014 ]]>
Publisher : <![CDATA[STIE Perbanas Surabaya ]]>
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DOI: 10.14414/jebav.v17i1.268
<![CDATA[Good corporate governance is a critical aspect in banking industries because the larg- est part of the source of funds is from public. Two of the important aspects of good corporate governance are the role of the board of commissioners and transparency. This study aimed to assess the effect of the implementation of good governance, which is proxied by the role of the board of commissioners and transparency of financial and non-financial condition, toward the operational efficiency and profitability of the na- tional commercial banks in Indonesia. This study uses data of thirty six banks for five years, from 2008 to 2012. Random effect panel data technique is used to analyze the data since this technique can increase the power of statistical analysis. The results shows that in terms of efficiency only board that functions well capable of improving the operational efficiency of the banks. As for profitability, both good board of commis- sioners and public transparency are capable of increasing the bank operational profit- ability in Indonesia.]]>
<![CDATA[Pengaruh literasi keuangan, experienced regret, risk tolerance, dan motivasi pada keputusan investasi keluarga dalam perspektif masyarakat Bali ]]>
<![CDATA[Astri Kusuma Wardani]]>;
<![CDATA[Lutfi Lutfi]]>
<![CDATA[ Journal of Business & Banking Vol 6, No 2 (2016): November 2016 - April 2017 ]]>
Publisher : <![CDATA[STIE Perbanas Surabaya ]]>
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DOI: 10.14414/jbb.v6i2.996
<![CDATA[This study aims to determine the effect of financial literacy, experienced regret, risk tolerance, and motivation on family investment decisions by taking samples of 105 Balinese residents. The investment decision investigated in this study is dealt with the decision to invest the money in capital market instruments and bank accounts. The analytical method used is a quantitative method using multiple linear regressions. The data were collected using a survey of questionnaire to the respondent. The sampling technique used is purposive sampling method and then continued using convenience sampling. The results of this study indicate that risk tolerance has positive influence on investment decisions of Balinese family. Meanwhile, financial literacy, experienced regret, and motivation do not affect significantly investment decisions of Balinese family. These results imply that Balinese people consider their risk tolerance as the main factor considered in making decision whether to put the money in bank accounts or capital market instruments.]]>
<![CDATA[Pengaruh literasi keuangan, locus of control, dan etnis terhadap pengambilan keputusan investasi ]]>
<![CDATA[Sofi Ariani]]>;
<![CDATA[Putri Asiza Agustien Aulia Rahmah]]>;
<![CDATA[Yurisha Ramadhani Putri]]>;
<![CDATA[Maulidatur Rohmah]]>;
<![CDATA[Antika Budiningrum]]>;
<![CDATA[Lutfi Lutfi]]>
<![CDATA[ Journal of Business & Banking Vol 5, No 2 (2015): November 2015 - April 2016 ]]>
Publisher : <![CDATA[STIE Perbanas Surabaya ]]>
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DOI: 10.14414/jbb.v5i2.706
<![CDATA[The purpose of this research is to examine the influence of financial literacy, locus of control, and ethnic on investment decision. This research uses multiple regression analy-sis technique and a sample of 199 investors who put their funds in bank account and real asset in Surabaya and Madura region. The results shows that financial literacy, internal locus of control, external locus of control, and ethnic do not have significant impact si-multaneously on investment decision, while locus control is only variable that has signif-icant partial impact investment decision. This finding implies that goof financial literacy per se will not result in a good investment decision without accompanied by good inter-nal control. Therefore, policy makers should not only focus on financial literacy educa-tion but also increase public awareness about the importance of self-control when making investment decisions.]]>
<![CDATA[Pengaruh niat berperilaku, kecerdasan spiritual dan literasi keuangan terhadap pengelolaan keuangan keluarga ]]>
<![CDATA[Tomi Arganata]]>;
<![CDATA[Lutfi Lutfi]]>
<![CDATA[ Journal of Business & Banking Vol 9, No 1 (2019): Mei - Oktober 2019 ]]>
Publisher : <![CDATA[STIE Perbanas Surabaya ]]>
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DOI: 10.14414/jbb.v9i1.1555
<![CDATA[Family financial managemenet is very important in fostering the family economy. This study aims to examine the effect of behavioral intentions, spiritual intelligence, and financial literacy on family financial management. It used the sample consisting of 179 financial managers of the family as the correspondents. The data were collected by questionnaires using a purposive sampling technique and convenience sampling technique. The data were analysed using Multiple Regression Analysis (MRA). The results indicate that behavioral intention and spiritual intelligence have a significant positive effect on family financial management, while financial literacy have positive but not significant impact on family financial management. The implication of this study are that family financial managers need to better internalize their religious guidelines and strengthen intentions to behave in the form of establishing financial behavior targets so that they can better realize wise and responsible financial management.]]>
<![CDATA[Pengaruh pengetahuan keuangan, pengalaman keuangan, dan pendapatan terhadap perilaku keuangan keluarga ]]>
<![CDATA[Tirani Rahma Brilianti]]>;
<![CDATA[Lutfi Lutfi]]>
<![CDATA[ Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020 ]]>
Publisher : <![CDATA[STIE Perbanas Surabaya ]]>
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DOI: 10.14414/jbb.v9i2.1762
<![CDATA[This study aims to examine the effect of financial knowledge, financial experience, and income on financial behavior. The sample was taken using a purposive sampling and convenience sampling. The respondents were household financial manager in Madiun. There were 162 people taking part in this study. The data were analyzed using Multiple Regression. The results of this study showed that financial experience and financial knowledge have a significant positive effect on financial behavior. In addition, there is differences in financial behavior based on income level. This implied that household financial managers need to improve their financial knowledge and experience, such as in banking and capita market, so that they are able to manager their families’ financial matter better.]]>
<![CDATA[Literasi keuangan dan pengelolaan keuangan keluarga dalam perspektif budaya Jawa dan Bugis ]]>
<![CDATA[Reni Tri Purniawati]]>;
<![CDATA[Lutfi Lutfi]]>
<![CDATA[ Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017 ]]>
Publisher : <![CDATA[STIE Perbanas Surabaya ]]>
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DOI: 10.14414/jbb.v7i1.963
<![CDATA[Consumptive behavior can negatively affect family welfare. Financial literacy is one of the factors which may affect family financial management behavior. This family financial may differ across ethnic groups due to the different characters and principles of life among them. This study aimed to examine the effect of financial literacy on family financial management using ethnic as a moderating variable. This study uses a questionnaire instrument that is distributed to 140 respondents of Javanese in Madiun residency and 96 respondents of Bugis at Makassar, East Sulawesi. The data analysis technique is multiple regression analysis. This research use purposive sampling and convenience sampling as the sampling technique. The result of this study shows that financial literacy positively affect family financial management behavior, while ethnic does not moderate the effect of financial literacy on family financial management behavior. This study suggests that families, both Javanese and Bugis, need to enhance their financial literacy to enable them to manage their finance well so that they can improve their welfare.]]>
<![CDATA[Financial Literacy, Financial Attitude, and Household Financial Behavior ]]>
<![CDATA[Jihan Zakiyah Permana]]>;
<![CDATA[Lutfi Lutfi]]>
<![CDATA[ Jurnal Maksipreneur Vol 12, No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Proklamasi 45 ]]>
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DOI: 10.30588/jmp.v12i1.1094
<![CDATA[Household financial behavior is a crucial topic to study because it determines the family's economic well-being. This study examines the effect of financial literacy, financial attitudes, financial experience, and income on household financial behavior. The object of this research is the family finance manager in Sidoarjo City, East Java. The data collection technique is using an online survey. Sample selection was done by using the purposive sampling technique. The sample of this research is 153 financial managers. The data analysis technique used the Partial Least Square Structural Equation Model (PLS_SEM). The results indicate that financial literacy and attitudes positively affect household financial behavior, while financial experience and income have no significant effect. This finding implies that financial policymakers should increase public financial literacy and attitude toward managing family finances.]]>
<![CDATA[DIGITAL MARKETING BAGI UMKM: STUDI KASUS BATIK ERA KRISNA ]]>
<![CDATA[Nur'aini Rokhmania]]>;
<![CDATA[Soni Harsono]]>;
<![CDATA[Lutfi Lutfi]]>;
<![CDATA[Ririn Poerwanti Poerwanti]]>;
<![CDATA[Yulian Belinda]]>
<![CDATA[ - ]]>
Publisher : <![CDATA[Jurnal KeDayMas: Kemitraan dan Pemberdayaan Masyarakat ]]>
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DOI: 10.14414/kedaymas.v3i1.3520
<![CDATA[Era Krisna Boutique memiliki usaha di bidang garment dengan gaya ethnic dan stylish. Saat ini penjualan di fokuskan pada butik di jalan Kertajaya Indah, mengikuti beberapa pameran dan pemasaran melalui Instagram. Tetapi sampai dengan 2 tahun pandemi pemasaran melalui digital yang dilakukan oleh Era Krisna belum menunjukkan hasil yang signifikan. Sehingga pada kegiatan pengabdian ini Tim Pendamping menitikberatkan pada digital marketing. Kegiatan Pelatihan digital marketing pada UMKM Batik Era Krisna dilakukan untuk peningkatan penjualan dengan tahapan pelatihan: penentuan target market, identifikasi rencana pemasaran, penentuan media digital, pelatihan sesuai yang dibutuhkan yang terkait dengan pembuatan konten foto dan video produk serta membuat online shop di marketplace, dan analisis hasil pelatihan. Hasil kegiatan pendampingan berdampak positif pada peningkatan upload produk yang dijual, peningkatan jumlah pengikut media sosial, perbaikan pada deskripsi profile e-commerce yang lebih detail. Namun, hingga laporan ini dibuat, belum terdapat peningkatan penjualan produk.]]>
