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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ilmu Manajemen (JIM) El Dinar Journal of Economics, Business, & Accountancy Ventura The Indonesian Accounting Review Journal of Business & Banking Jurnal Manajemen & Keuangan Distribusi INVENTORY: JURNAL AKUNTANSI Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Business and Finance Journal Jurnal Administrasi dan Manajemen Jurnal Riset Bisnis dan Manajemen Jurnal Kedaymas Jurnal Iqtisaduna Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis JPS (Jurnal Perbankan Syariah) E-JURNAL AKUNTANSI
Lutfi Lutfi
Universitas Hayam Wuruk Perbanas
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Other

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THE EFFECT OF MATERIALISM AND FINANCIAL KNOWLEDGE ON FINANCIAL STRESS: THE ROLE OF PRESENT FATALISTIC AND MARITAL STATUS Lutfi Lutfi; Dimas Gita Ramadhan Firdaus; Elicia Aprillia Dwiyanti; Yolanda Dela Renta
Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK) Vol 11, No 3 (2022): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (421.615 KB) | DOI: 10.26418/jebik.v11i3.54726

Abstract

The conditions of the Covid 19 outbreak during 2019 and 2020 made some people lose their jobs or income, which resulted in increased financial pressures. This research examines the influence of present fatalistic, materialism, financial knowledge, and marital status on financial stress. Data were collected using a questionnaire. The number of samples that can be processed in the study was 484 respondents. The analysis technique used is the partial least squares structural equation modeling (PLS-SEM). The direct test results show that present fatalistic and materialism significantly increase financial stress, while financial knowledge and marital status reduce financial stress. Present fatalistic has been shown to positively mediate materialism's effect on financial stress. Meanwhile, marital status strengthens the negative influence of financial knowledge on financial pressure. It means that marital status encourages someone with good financial knowledge to use their ability to manage their finances to avoid financial stress. This study recommends to the public the importance of controlling materialistic behavior, reducing hopelessness, and increasing self-control to reduce financial pressureJEL : D12, D14.ABSTRAKKondisi wabah Covid 19 selama tahun 2019 dan 2020 membuat sebagian masyarakat kehilangan pekerjaan atau penghasilannya, yang mengakibatkan tekanan keuangan semakin meningkat. Penelitian ini menguji pengaruh fatalistik masa kini, materialisme, pengetahuan keuangan, dan status perkawinan terhadap tekanan keuangan. Pemilihan sampel didasarkan pada metode purposive sampling, dan pengumpulan data dilakukan dengan menggunakan kuesioner. Jumlah sampel yang dapat diolah adalah 484 responden. Teknik analisis yang digunakan adalah Partial Least Square Structural Equation Modeling (PLS-SEM). Hasil pengujian pengaruh langsung menunjukkan bahwa fatalistik masa kini dan materialisme secara signifikan meningkatkan tekanan keuangan, sedangkan pengetahuan keuangan dan status perkawinan mengurangi tekanan keuangan. Fatalistik masa kini terbukti secara positif memediasi pengaruh materialisme pada tekanan keuangan. Sementara itu, status perkawinan memperkuat pengaruh negatif pengetahuan keuangan terhadap tekanan keuangan. Hal ini berarti bahwa status perkawinan mendorong seseorang yang memiliki pengetahuan keuangan yang baik untuk menggunakan pengetahuan tersebut dalam mengelola keuangannya agar terhindar dari tekanan keuangan. Studi ini merekomendasikan kepada masyarakat pentingnya mengendalikan perilaku materialistis, mengurangi keputusasaan, dan meningkatkan pengendalian diri untuk mengurangi tekanan keuangan.Kata Kunci : tekanan keuangan, materialisme, pengetahuan keuangan, fatalistik masa kini, status perkawinan.
SOCIAL MEDIA, ISLAMIC FINANCIAL LITERACY, AND ISLAMIC BANKING PRODUCT OWNERSHIP: A MODERATING MODEL Lutfi Lutfi; Vita Prihatiningrum
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.17803

Abstract

The role of social media and Islamic financial literacy is critical in influencing the consumer to have Islamic financial products. However,  no studies on this topic have been conducted in Indonesia. The use of social media by a millennial is snowballing. This study examines the impact of social media, represented by the attractiveness of influencers and social media engagement, on the intention to own Sharia banking investment products among the millennial generation. This study also examines the role of Islamic financial literacy and income as independent and moderating variables. Data is collected using purposive sampling, followed by convenience sampling through a Google form questionnaire distributed to the social media users of Gen Z in the Surabaya agglomeration area. This study used 216 questionnaires and analyzed them using Partial Least Square - Structural Equation Model (PLS-SEM). The results show that influencer attractiveness, social media engagement, and Sharia financial literacy positively influence millennials' ownership intention of Islamic banking investment products. Islamic financial literacy weakens influencer attractiveness's impact on the ownership intention of Islamic banking investment products, while income does not moderate the relationship. Furthermore, social media engagement is most significant in determining product ownership intentions. The practical implication of the findings suggests the importance of Islamic banks to encourage more engagement of their social media users by providing useful information about bank products. This research provides a theoretical contribution to the theory of consumer behavior and social media that using social media is one of the most effective ways of influencing consumer purchasing decisions.
The Influence of Compensation and Employment Status on Employee Performance with Work Motivation as a Mediating Variable Elma Hariani; Lutfi
Jurnal Bisnis dan Keuangan Vol 8 No 1 (2023): Business and Finance Journal
Publisher : UNUSA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/bfj.v8i1.3903

Abstract

This study examines the effect of compensation and employment status on employee performance with work motivation as a mediating variable. Research involved 64 employees of DHL Express Indonesia-Surabaya Branch. Data collection used a questionnaire consisting of 37 questions which designed based on previously research and tested for the validity and reliability. The data analysis technique in this study used Partial Least Squares (PLS). The results showed that compensation had an effect on employee performance but not significantly. Employment status had a direct and significant positive effect on employee performance. Compensation had a direct and significant positive effect on work motivation. Work motivation mediates the relationship between compentation on employee performance.
Sharia Bank Deposits and Financing: Does Economic Turbulence Matter? Lutfi, Lutfi
Journal of Economics, Business, and Accountancy Ventura Vol. 26 No. 3 (2023): December 2023 - March 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v26i3.4338

Abstract

The decline in national economic performance as a result of COVID-19 can cause a reduction in company and community income, which will reduce the availability of third-party funds and financing channeled by Sharia banks. This research aims to examine the determinants of third-party deposits and Sharia bank financing in Indonesia using a sample of ten Sharia banks from 2017-2022 that did not carry out mergers or acquisitions. Testing was also carried out on each type of deposit and financing contract because of the potential for different behavior between types of contracts. Data were analyzed using panel data techniques, where the selected model had a fixed effect. The test results prove that there is a positive reciprocal influence between third-party deposits and Sharia bank financing. Economic turbulence has a significant negative impact on deposits, but it is not significant on financing. This turbulence significantly only reduced profit-sharing deposits but not wadiah deposits. Likewise, this economic condition only has a negative impact on financing with receivables contracts but not on profit-sharing financing. This finding implies the importance of Sharia banks in maintaining adequate availability of third-party funds to support financing growth. The Government and Bank Indonesia are important to maintain economic stability. Furthermore, the Financial Services Authority needs to increase monitoring of banks with low capital because of the potential for moral hazard.
EXPERIENCE, KNOWLEDGE, ON FINANCIAL BEHAVIOR, MEDIATION OF LOC, MODERATION OF NUMBER OF DEPENDENTS Kiki Marti Diana; Lutfi
Jurnal Riset Bisnis dan Manajemen Vol. 14 No. 2 (2021): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v14i2.4417

Abstract

Previous research gave different results regarding financial management behavior and appear research gap, so the researchers aimed to examine whether financial experience and knowledge have a positive effect on financial management behavior, locus of control mediates the effect of financial experience and knowledge on financial management behavior, and the number of dependents moderate effect of financial knowledge on financial management behavior. The sampling technique used purposive sampling, while analysis technique used the Structural Equation Model. Financial experience and knowledge have significant positive effect on financial management behavior. Locus of control mediates effect of financial experience on financial management behavior but is better directly. Locus of control doesn’t mediate effect of financial knowledge significantly on financial management behavior. The numbers of dependents doesn’t moderate effect of financial knowledge on financial management behavior. Otoritas Jasa Keuangan and Surabaya government provide access and education such as seminars, workshops (pension funds, insurance, and investment).
Determinan Simpanan Dana Pihak Ketiga Bank Syariah: Adakah Dampak Turbulansi Ekonomi? Hasanah, Uswatun; Lutfi, Lutfi
Jurnal Iqtisaduna Vol.10 No.1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i1.44039

Abstract

The economic turbulence caused by the Covid-19 outbreak does not seem to have a negative impact on bank third party deposits. This research aims to examine the impact of economic turbulence, sharia financing, bank size, capital, and profitability on third party funds. This research uses quarterly data from ten Islamic banks in Indonesia from 2017 - 2022. The data is analyzed using panel data analysis techniques, with the best model of random effects. The results prove that economic turbulence negatively impacts the deposits of the sharia banks. Bank capital decreases sharia bank deposits, while sharia financing increases the deposits. The research did not find any significant influence of bank size and profitability on the third party funds. The effect of economic turbulence on deposits also applies when gross domestic product (GDP) growth is used as a substitute for the crisis dummy variable. GDP growth has a significant positive impact on third party deposits. These findings imply that the Government and Bank Indonesia need to maintain the stability of national economic growth. Sharia bank management needs to maintain the availability of third party funds in line with financing needs. This research also supports the business cycle theory regarding the negative impact of economic turbulence on bank business activities.
PENGARUH PERSEPSI RISIKO, EMOSI, DAN ORIENTASI MENABUNG, TERHADAP KECENDERUNGAN BERHUTANG:ADAKAH MODERASI JUMLAH TANGGUNGAN? Susilowati, Arlianti Agil; Lutfi, Lutfi
Distribusi - Journal of Management and Business Vol. 12 No. 1 (2024): Distribusi, March 2024
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v12i1.450

Abstract

Perilaku berhutang seolah telah menjadi sesuatu yang umum bagi banyak masyarakat di Indonesia saat ini, terutama dengan tersedianya pinjaman berbasis teknologi. Penelitian ini bertujuan untuk menguji penentu kecenderungan berhutang yang mencakup persepsi risiko, emosi, orientasi menabung, dan jumlah tanggungan. Selain itu, penelitian ini juga mengkaji apakah jumlah tanggungan dapat memoderasi pengaruh orientasi menabung terhadap kecenderungan berhutang. Sampel penelitian 137 responden yang tinggal di kota metropolitan DKI Jakarta dan sekitarnya serta Surabaya dan sekitarnya. Teknik analisis untuk pengujian hipotesis dilakukan menggunakan partial least squares (PLS) dengan software SMART-PLS. Hasil penelitian membuktikan emosi, persepsi risiko, dan jumlah tanggungan berpengaruh secara negatif signifikan pada kecenderungan berhutang, sedangkan orientasi menabung tidak berpengaruh signifikan terhadap kecenderungan berhutang. Penelitian ini tidak memperoleh bukti memadai terkait pengaruh moderasi jumlah tanggungan. Implikasi dari penelitian ini adalah bahwa individu perlu untuk menghindari perilaku yang terlalu memandang rendah risiko dari suatu keputusan keuangan dan memiliki rasa malu ketika banyak berhutang agar terhindar dari kebiasaan berhutang yang dapat menyebabkan permasalahan keuangan.
Determinants of individual investment decision: A moderated mediation model Lutfi, Lutfi
The Indonesian Accounting Review Vol. 14 No. 1 (2024): January - June 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/tiar.v14i1.3916

Abstract

This study aims to examine the effect of financial self-efficacy, risk tolerance, risk perception, and gender on individual investment decisions using a moderation and mediation approach. In addition, this study also examines the role of risk tolerance in mediating the effect of financial self-efficacy on investment decisions as well as the role of gender in moderating the effect of financial self-efficacy on risk tolerance and investment decisions. The sample used in this study is individuals living in Madura Island who invest in financial and real assets. A total of 416 respondents filled out the questionnaire distributed online. This study uses Partial Least Square-Structural Equation Modeling (PLS-SEM) to test the hypotheses. The results of this study prove that financial self-efficacy, risk tolerance, and gender have a positive effect on individual investment decisions. Meanwhile, risk perception has a negative effect on individual investment decisions. Risk tolerance partially mediates the effect of financial self-efficacy on investment decisions. Furthermore, gender strengthens the effect of financial self-efficacy on risk tolerance and investment decisions. This study provides an understanding of the role of risk in investment decisions. Investors are expected to increase their financial knowledge and control their behavioral biases so as not to get trapped in high-risk investments.
Pengaruh Pengalaman Keuangan, Emosi, dan Nilai Uang terhadap Kecenderungan Berhutang dengan Mediasi Materialisme Satrida, Galuh; Lutfi, Lutfi
EKONOMI KEUANGAN DAN BISNIS Vol 9, No 1 (2024): Ekombis Sains: Jurnal Ekonomi, Keuangan, dan Bisnis
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/ekombis.v9i1.2737

Abstract

Perilaku berhutang seolah sudah menjadi gaya hidup masyarakat Indonesia, khususnya di kota metropolitan. Perilaku ini semakin meningkat seiring dengan ketersediaan pinjaman berbasis teknologi (fintech). Penelitian ini bertujuan untuk mengkaji pengaruh pengalaman keuangan, emosi, nilai uang, materialisme terhadap kecenderungan berhutang masyarakat di Jakarta dan sekitarnya serta Surabaya dan sekitarnya. Pemilihan sampel didasarkan pada teknik purposive sampling dan convenience sampling. Terdapar 137 responden penelitian yang tersebar relatif merata di kedua wilayah. Pengujian hipotesis dilakukan menggunakan Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil pengujian menunjukkan bahwa emosi berpengaruh negatif secara signifikan terhadap kecenderungan berhutang, sementara nilai uang dan materialisme berdampak positif secara signifikan terhadap kecendeungan berhutang. Tidak terdapat bukti signifikan bahwa pengalaman keuangan berpengaruh terhadap kecenderungan berhutang. Selain itu, materialisme secara signifikan memediasi pengaruh nilai uang terhadap kecenderungan berhutang. Temuan ini merekomendasikan indvidu untuk tidak memandang uang dan kepemilikan barang mewah sebagai sesuatu hal paling penting dalam hidup agar mereka bisa terhindar dari kecenderungan berhutang yang berlebihan.
Pengaruh Persepsi Risiko, Orientasi Menabung, dan Literasi Keuangan terhadap Kecenderungan Berhutang dengan Mediasi Pengendalian Diri Taza Athirah Kamalatsyah; Lutfi Lutfi
JURNAL ADMINISTRASI & MANAJEMEN Vol 14, No 1 (2024): Jurnal Administrasi dan Manajemen
Publisher : Universitas Respati Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52643/jam.v14i1.3905

Abstract

Abstrak Kecenderungan berhutang menjadi permasalahan yang sangat tinggi di zaman sekarang, terlebih mudahnya teknologi untuk melakukan transaksi hingga melakukan pinjaman baik secara legal dan illegal. Penelitian ini bertujuan untuk menguji pengaruh langsung persepsi risiko, orientasi menabung, dan literasi keuangan terhadap kecenderungan berhuang, serta peran pengendalian diri memediasi literasi keuangan terhadap kecenderungan berhutang. Sampel penelitian ini adalah 137 responden yang tinggal di Surabaya dan sekitarnya serta Jakarta dan sekitarnya.Teknik analisis yang digunakan yaitu analisis Structural Equation Modelling-Partial Least Square (SEM-PLS) dengan software SMART-PLS. Hasil penelitian membuktikan bahwa persepsi risiko, literasi keuangan, dan pengendalian diri berpengaruh negatif secara signifikan terhadap kecenderungan berhutang, sedangkan orientasi menabung berpengaruh tidak secara signifikan. Selanjutnya, pengendalian diri secara signifikan memediasi literasi keuangan terhadap kecenderungan berhutang. Implikasi dari penelitian ini adalah bahwa seseorang perlu mengendalikan diri dalam berbelanja agar tidak terjebak dalam hutang yang berlebihan. Kata kunci : Kecenderungan Berhutang, Persepsi risiko, Orientasi menabung, Literasi Keuangan, Pengendalian diri
Co-Authors Antika Budiningrum Ardhianti, Christin Astri Kusuma Wardani Dimas Gita Ramadhan Firdaus Elicia Aprillia Dwiyanti Elma Hariani Farach Aliyyah Putri Suryadie Indria Fatmawati Iramani, Rr Jihan Zakiyah Permana Kiki Marti Diana Mardiah Mutiara Puspitasari Selian Maulidatur Rohmah Meliza Silvy Nadya Septi Nur Aini Nur'aini Rokhmania Putri Asiza Agustien Aulia Rahmah Reni Tri Purniawati Ririn Poerwanti Poerwanti Rr. Iramani Satrida, Galuh Shintani, Nadella Putri Sofi Ariani Soni Harsono Susilowati, Arlianti Agil Taza Athirah Kamalatsyah Tirani Rahma Brilianti Tomi Arganata Uswatun Hasanah Vita Prihatiningrum Yolanda Dela Renta Yulian Belinda Yurisha Ramadhani Putri