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The Influence of Lifestyle and Financial Literacy on the Financial Behavior (A Case Study on Management Students at University of Tribhuwana Tunggadewi) Maria Defira Sari; Elly Lestari; Moch Nurhidayat
International Journal of Management and Business Vol. 2 No. 4 (2025): October
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

Lifestyle and financial literacy are crucial factors influencing individual financial decision-making. A solid understanding of financial concepts and personal financial management is essential for effective financial behavior. This research aims to examine the influence of lifestyle and financial literacy on the financial behavior of Management students from the 2021-2022 cohort, both partially and simultaneously. The study adopts a quantitative approach with data collected through questionnaires and surveys. The analysis reveals that both lifestyle and financial literacy contribute to shaping students’ financial behavior. The findings highlight the importance of fostering financial awareness and promoting responsible lifestyle choices among students. This study contributes to the growing body of knowledge in financial behavior research, particularly in the context of higher education, and offers practical insights for improving students' financial management skills.
The Effect of Company Growth and Leverage on Financial Performance in Manufacturing Companies in The Pulp and Paper Sub-Sector Listed On The Indonesia Stock Exchange for the Period 2021-2023 Elisabeth Dewi Anggraini; Susanto, R. Y.; Nurhidayat, Moch
International Journal of Management and Business Vol. 2 No. 4 (2025): October
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

A company's performance can be assessed through its financial performance. Financial performance is one of the important indicators to assess the success of a company. This research aims to determine the effect of Company Growth and Leverage on the Financial Performance of the Pulp and Paper Subsector Companies listed on the Stock Exchange, both partially and simultaneously. The research sample was obtained using purposive sampling techniques, resulting in 9 sample companies for the research period 2021-2023. The data techniques used include documentation, with data analysis techniques employing classical assumption tests and multiple linear regression, while hypothesis testing utilized t-tests and f-tests. The results show that company growth has a positive and significant effect on financial performance, while leverage has a negative and significant effect. Simultaneously, both affect financial performance, so the balance between business expansion and debt management is very important. Manufacturing companies in the pulp and paper subsector need to manage growth optimally and maintain a healthy capital structure to maintain stable and sustainable financial performance
Edukasi Pasar Modal Untuk Meningkatkan Minat Berinvestasi Bagi Mahasiswa Champaca, Mychelia; Nurhidayat, Moch
JAPI (Jurnal Akses Pengabdian Indonesia) Vol 9, No 1 (2024)
Publisher : Universitas Tribhuwana Tunggadewi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/japi.v9i1.5257

Abstract

Program pengabdian yang dilakukan kepada masyarakat yang dilaksanakan kepada mahasiswa bertujuan untuk mengenalkan lebih dekat mengenai manajemen investasi dan pasar modal kepada para mahasiswa, agar dapat dijadikan bekal bagi mahasiswa untuk dapat berinvestasi baik melalui pasar modal atau dalam bentuk lainnya. Pengenalan dan pemahaman ini akan difokuskan pada tata cara berinvestasi secara umum di pasar modal. Peran pasar modal semakin lama semakin penting bagi perekonomian Indonesia karena hal ini menjadi salah satu indikator perekonomian suatu negara. Oleh karena itu, pengabdian kepada masyarakat kali ini menjadi sumber pengetahuan bagi masyarakat khususnya bagi para mahasiswa untuk mengenal lebih jauh tentang manajemen investasi dan pasar modal sejak dini. Melalui pengenalan dengan mengedukasi secara dini diharapkan para mahasiswa dapat mengetahui apa itu investasi dan pasar modal untuk menjadikan mahasiswa paham dan tertarik dalam melakukan bidang investasi dan pasar modal.
PENINGKATAN KEMAMPUAN PEMASARAN DIGITAL PADA KARANG TARUNA DESA TANAH MERAH SAMPANG Champaca, Mychelia; Firdausiah, Ayu; Nurhidayat, Moch
Jurnal Likhitaprajna Vol 8 No 2 (2024)
Publisher : FKIP Universitas Wisnuwardhana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37303/peduli.v8i2.633

Abstract

The global industrial transition to the era of digitalization occurred at the same time as the expansion of the Internet, which had a major impact on this transition during the Covid-19 pandemic. It has been proven that digital marketing initiatives including creating websites, using social media, and using e-commerce platforms strengthen the ability of SMEs to compete. A form of government effort to encourage community activities focused on increasing digitalization to remote areas through academic institutions, whether universities or high schools, and training institutions that intensively explore the issue of digitalization. The important role of entrepreneurship through SMEs has also been shown to be very significant in encouraging the regional economy. Research examining studies on the main topic of marketing digitalization shows the use of digital marketing media such as; electronic commerce, electronic platforms, mobile marketing, e-marketing, and social media. The results of implementing this Community Service activity are in accordance with the objectives to be achieved in this activity, namely, increasing the insight of village youth as measured by responses during participant feedback. The majority of young men and women do not know that digital marketing media can be used to sell any product that has sales value. In addition, some participants who already had products expressed their interest in selling products through the marketplace platform which was conveyed in the activity simulation.
Financial Management Analysis for the Development of SMEs in the Era of the Industrial Revolution 4.0 (Case Study on SMEs in Junrejo City, Batu) Septiana Epliani Marni; Poppy Indrihastuti; Nur Ida Iriani; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

Technological developments in the Industry 4.0 era present digital business models, artificial intelligence, and big data that drive changes in SME financial management. This research aims to analyze the financial management of SMEs in the era of the Industrial Revolution 4.0. Using a qualitative approach with a descriptive design, the study was conducted in Junrejo District, Batu City, from December 2024 to January 2025. Primary data is obtained through observation and interviews with SME owners, while secondary data comes from business documents and academic references. The sample was determined by purposive sampling, including SMEs operating for at least five years and applying technology in production, promotion, and finance. Data analysis was carried out thematically through reduction, presentation, and conclusion. The study results show that using technology in financial recording and business operations increases the efficiency and competitiveness of SMEs. A study on three SMEs, namely Tohu Srijaya and Orchid Nursery, shows the use of accounting, IoT, and e-commerce software in managing cash flow, investment, and access to financing. Good financial literacy allows for more optimal financial management. Therefore, increased financial understanding, technology adoption, and government support in access to funding and training are needed for SMEs to develop sustainably.
The Influence of Financial Literacy, Consumptive Lifestyle, And E-Money on Family Financial Management in The Village of Tlogomas Malang City Aristo Aldi; Elly Lestari; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

The aim of this study is to determine the effect of financial literacy, consumptive lifestyle and e-money on family financial management in RW 06, Tlogomas Village, Malang City, both partially and simultaneously. Descriptive research design, type of explanatory research using quantitative methods. The population of this research is a resident (head of the family) in the RW 06 environment of Malang City Tlogomas Village as many as 719, sampling techniques using purposive sampling obtained as many as 88 people. Instrument using a questionnaire. Data analysis uses multiple linear regression analysis. Hypothesis testing using the T (partial) test and F test (simultaneous). The results of multiple linear regression obtained by the three independent variables have a positive regression coefficient value and the coefficient of R Square's coefficient of 0.571 (contribution of the independent variable to the dependent variable of 57.1%). The results of the t (partial) hypothesis testing obtained the three independent variables have a tcount> ttable value significantly <0.05 and the results of the F (simultaneous) hypothesis testing obtained the Fcount> Ftable value with significantly <0.05. So it was concluded that financial literacy, consumptive lifestyle and e-money had a significant effect on family financial management in RW 06, Tlogomas Village, Malang City, both partially and simultaneously. The family should manage finances by considering the three factors of financial literacy, lifestyle, and e-money in order to achieve more stable and prosperous financial conditions.
The Role of Financial Literacy as a Mediator of The Influence of Financial Knowledge, Financial Attitude, Financial Experience, and Locus of Control on Students' Personal Financial Management Anggraini Lokku Dapa Teo; Ahmad Mukoffi; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

Personal financial management is an essential skill that students need to effectively organize and plan their finances. However, many students still struggle with financial management, which can lead to financial problems in the future. This study aims to analyze the role of financial literacy as a mediating variable in the relationship between financial knowledge, financial attitude, financial experience, and locus of control on students' personal financial management. This research employs a quantitative approach using a survey method on Management students at Universitas Tribhuwana Tunggadewi Malang from the 2021 and 2022 cohorts. Data were collected through questionnaires and analyzed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method. The results indicate that financial literacy has a significant influence on personal financial management and serves as a mediator in the relationship between independent variables and personal financial management. These findings have implications for students to enhance their financial literacy to better manage their finances and for educational institutions to improve financial literacy programs for students.
The Effect of Online Marketing and Shipping Costs on Consumer Buying Interest in Dennis Orchid House Maria Renita Da Costa; Moch Nurhidayat; Warter Agustim
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

This research explores how online promotion strategies and delivery charges impact consumer buying decisions at Dennis Orchid House, both individually and collectively. The study applies a quantitative descriptive approach, targeting buyers of Dennis Orchid House. A total of 100 participants were chosen using purposive sampling. Data were obtained through structured questionnaires. The responses were processed using multiple linear regression analysis, supported by t-tests for individual variables and an F-test for combined variable influence. The analysis shows that both online marketing and delivery fees have a positive influence on purchase interest, with an R² value of 0.756. This indicates that 75.6% of the variation in consumer interest is explained by the two variables. Statistical tests confirm that both factors significantly affect consumer buying interest, as shown by significance values below 0.05. Online marketing initiatives and delivery cost policies play an essential role in shaping customer purchasing decisions. Business owners are advised to enhance their digital marketing appeal and provide flexible shipping options to attract more buyers.
Financial Performance Analysis of Village Unit Cooperatives (Koperasi Unit Desa) Karangploso, Malang Regency Maria Dominika Agni; Anung Prasetyo Nugroho; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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This study aimed to determine the financial performance of KUD Karangploso for the last five years by analyzing the parameters of liquidity, solvency, and profitability. This study uses a quantitative descriptive research design. The data was used as financial statements for the KUD Karangploso period 2019-2023. Data analysis using ratio analysis in the form of liquidity analysis (Current Ratio and Cash Ratio), solvency ratio (Net Worth to Debt Ratio and Debt to Equity Ratio), activity ratio (Fixed Asset Turnover Ratio and Debt to Equity Ratio), and profitability ratio (Return on Assets and Return on Equity). The analysis results show that the financial performance of KUD Karangploso, based on the solvency ratio, faces challenges in maintaining its liquidity because the ratio value is below the standard.Furthermore, the analysis of solvency ratios shows good performance, although fluctuating, and analysis of Net Worth to Debt Ratio in 2019. Moreover, the study of profitability ratios shows unhealthy financial performance (ineffective). Karangploso Village Unit Cooperative (KUD) managers need to improve the efficiency of cash management and current assets, balance the capital structure by reducing long-term debt and increasing equity, and improve the effectiveness of asset management and equity to generate optimal profits through business diversification, increased operational efficiency, and product and service innovation.
The Influence of Working Capital Structure on The Profitability of Manufacturing Companies Listed on The Indonesia Stock Exchange Oktavianus Karno; Elly Lestari; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

This quantitative study looked at the relationship between three key debt ratios—the Debt to Equity Ratio (DER), the Long-term Debt to Equity Ratio (LDER), and the Debt to Assets Ratio (DAR)—and the profitability of manufacturing companies that are partially listed on the Indonesia Stock Exchange (IDX). The researchers used a purposive sample technique to choose six industrial enterprises on the IDX, and they gathered 30 financial statement data points from 2019 to 2023. Multiple linear regression analysis was the primary method used to examine the data.   The study's findings demonstrate that any debt ratio alone has a statistically significant impact on profitability.   Specifically, DAR, LDER, and DER had t-values of 5.095 (p < 0.05), 4.751 (p < 0.05), and 6.072 (p < 0.05), the corresponding accordingly.   Furthermore, the combined influence of DAR, LDER, and DER on profitability was shown to be extremely significant with an F-value of 17.116 and an R2 of 75.2%.  This suggests that when combined, these three debt ratios may account for a sizable portion of the variation in the profitability of the chosen businesses. The study concludes that an increase in these debt ratios (DAR, LDER, and DER) is associated with a larger possibility for enhanced profitability, underscoring the critical role that effective working capital management plays in enhancing a company's financial performance.