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All Journal Dinamika Akuntansi Keuangan dan Perbankan SEGMEN Jurnal Manajemen dan Bisnis Jurnal Ekonomi Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Manajemen Bisnis Jurnal Keuangan dan Perbankan JDM (Jurnal Dinamika Manajemen) Media Ekonomi dan Manajemen Journal of Economics, Business, & Accountancy Ventura Journal of Business & Banking Jurnal Manajemen dan Keuangan Laa Maisyir Jurnal Ekonomi Islam Journal of Indonesian Economy and Business Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Journal of Accounting and Investment JABE (Journal of Accounting and Business Education) MODUS-Jurnal Ekonomi dan Bisnis Journal of Business Management Education (JBME) AKUNTANSI DEWANTARA Jurnal Manajemen & Keuangan Jurnal Akuntansi Aktual Jurnal Ekonomi dan Bisnis Jurnal Riset Akuntansi dan Keuangan JRMSI - Jurnal Riset Manajemen Sains Indonesia EKONOMIS : Journal of Economics and Business International Journal of Social Science and Business Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship EKUITAS (Jurnal Ekonomi dan Keuangan) EBBANK: Jurnal Ilmiah Bidang Ekonomi, Bisnis dan Perbankan FINANSIA : Jurnal Akuntansi dan Perbankan Syariah JURNAL AKUNTANSI Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi BASKARA: Journal of Business and Entrepreneurship Nusantara Hasana Journal Daengku: Journal of Humanities and Social Sciences Innovation BISMA (Bisnis dan Manajemen) Jurnal Akuntansi Keuangan dan Bisnis Relevance: Journal of Management and Business Jurnal Visi Manajemen (JVM) Economic Development Analysis Journal

Maria Rio Rita

Universitas Kristen Satya Wacana

Author-ID : 361381

Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Pengelolaan Keuangan Pribadi : Pengendalian Diri Terhadap Penggunaan Uang Bagi Karyawan Chandra Hariwijaya; Maria Rio Rita
EBBANK Vol 9, No 1 (2018): EBBANK Vol.9 No.1 Juni 2018
Publisher : Sekolah Tinggi Ilmu Ekonomi Bisnis dan Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (499.412 KB)

The aim of this study is to find out what kind of self-control on the use of money, especially for employees. The population in this study were academic and non-academic employees at Satya Wacana Christian University, Salatiga. The sample was chosen by using convenience sampling method. To capture the phenomenon of self control on money using, the research instrument is prepared in the form of a questionnaire containing the form, manner and reason of self-control in the use of money. The analysis will be presented in descriptive form by utilizing the frequency distribution.The results shown that the most kind of self-control on the use of money that used by employees of Satya Wacana Christian University, using many efforts to control their finance, like set aside money each month for savings, prioritize the critical needs, reduce spending and record the expenses.

Potret Pendanaan UMKM Berdasarkan Siklus Hidup Usaha Maria Rio Rita
EBBANK Vol 9, No 2 (2018): EBBANK Vol.9 No.2 Desember 2018
Publisher : Sekolah Tinggi Ilmu Ekonomi Bisnis dan Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.033 KB)

The phenomenon of MSMEs is still interesting to discuss, especially from a financial perspective. One of the important financial decisions for a business is a financing decision. This decision will continue on investment decisions and the operationalization of daily business. This research was conducted at the batik UMKM located in Lasem, Rembang, Central Java. The sample selection process was conducted by purposive sampling method, 30 entrepreneurs were selected as respondents. The distribution of questionnaires and interviews was conducted to collect primary data. The data is processed using a qualitative descriptive method to describe the condition of MSME funding patterns based on their business life cycle. The results found that there were differences in the pattern of funding sources used by these MSMEs, both in cross section and time series. This study suggests a practical use of the firm life cycle model in helping MSME to understand how their financial decision is likely to adjust over time

Financial bootstrapping: external financing dependency alternatives for SMEs Maria Rio Rita
Jurnal Ekonomi dan Bisnis Vol 22 No 1 (2019)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

The sensitivity of external financing is the main issue in developing small and medium-sized enterprises (SME) in general. A similar problem is also experienced by several batik small and medium enterprises in Central Java, Indonesia. This research strives to explore the creative alternative strategies done by batik micro, small, and medium enterprises to reduce the dependence on external capital. The samples were chosen based on a purposive sampling method in three Central Java regions, namely Pekalongan Regency, Rembang Regency, and Surakarta Municipality. The data were then analyzed using a quantitative and qualitative descriptive approach. These research findings reveal that there are variations in the bootstrapping financing method; as well as financing profiles of each in the three regions that reveal the dynamics of business funding. Referring to the description of alternative funding patterns carried out by entrepreneurs, the bootstrapping strategy can be grouped into six (6) types based on the available resources. Batik entrepreneurs can overcome their financial problem by applying bootstrapping methods, so that businesses can operate properly.

Entrepreneurial orientation and emotional bias in MSMEs’ financing and performance Maria Rio Rita; Ari Budi Kristanto; Yeterina Widi Nugrahanti; Mohamad Nur Utomo
Jurnal Ekonomi dan Bisnis Vol 24 No 2 (2021)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24914/jeb.v24i2.4420

There have been numerous studies investigating the dynamics of micro, small and medium enterprises (MSME) development. However, this research topic still offers several interesting research gaps to be explored. Accordingly, the purpose of this research is to test the effects of entrepreneurial orientation and asymmetric information that affect MSME entrepreneurs’ emotional biases, as well as the relationships between these variables and MSME’s financing and performance. Our research objects are MSMEs located in four urban villages in Salatiga City, Central Java that engage in various business sectors, such as the food and beverage, the service industry, the groceryw, and the horticulture sector. We analyze the research data with the Partial Least Square (PLS) software. The research results reveal that entrepreneurial orientation and asymmetric information positively influence MSME entrepreneurs’ emotional bias. Meanwhile, emotional bias has a significantly positive influence on financing. Finally, we also find that financing positively affects MSMEs’ performance. In sum, our study demonstrates the importance of the behavioral aspect (emotional bias) in explaining MSMEs’ performance through its indirect impact through financing.

Anteseden Perilaku Konsumtif Generasi Milenial: Peran Gender sebagai Pemoderasi Siti Mubarokah; Maria Rio Rita
International Journal of Social Science and Business Vol. 4 No. 2 (2020): May
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v4i2.24139

Penelitian ini dilakukan dengan pendekatan kuantitatif yang bertujuan untuk mengetahui pengaruh literasi keuangan dan mental accounting terhadap perilaku konsumtif generasi milenial dengan gender sebagai pemoderasi. Penelitian dilakukan di Kota Salatiga dengan sampel 100 responden. Subjek dalam penelitian ini adalah mahasiswa dan karyawan di Salatiga yang lahir pada tahun 1980 sampai 1999. Jenis sampling menggunakan purposive sampling dan pengumpulan data dilakukan melalui penyebaran kuesioner secara langsung maupun online. Data yang terkumpul diolah dengan teknik Moderated Regression Analysis (MRA). Studi ini menemukan bahwa literasi keuangan berpengaruh negatif terhadap perilaku konsumtif, mental accounting berpengaruh positif terhadap perilaku konsumtif, dan gender memoderasi pengaruh antara literasi keuangan dan mental accounting terhadap perilaku konsumtif.

Profitability Analysis on Company Value with Good Corporate Governance As A Moderating Variable Florentina Yuniar Pramesti; Maria Rio Rita
International Journal of Social Science and Business Vol. 5 No. 3 (2021): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v5i3.35051

Financial performance is a measure of the poor performance of a company. The financial performance is influenced by the business strategy implemented by the company itself. This study aims to analyze the profitability variable on firm value with Good Corporate Governance (GCG) as moderate. The profitability variable was measured using the Return on Assets (ROA) value. Meanwhile, Company Value is measured by Tobin's Q. GCG as a variable is measured by two proxies, the Independent Board of Commissioners and the Audit Committee. The sample in this study was 10 State-Owned Enterprises (BUMN) in finance and insurance listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period. The technique used in this research is purposive sampling. The study results indicate that profitability has a significant effect on firm value. Based on the value of t count (3.955) > t table (0.677) and the value of Sig (0.000) <0.05. GCG (Good Corporate Governance) can moderate the effect of profitability on firm value based on the value of t count (8.096) > ttable (0.677), and the Audit Committee based on the value of t count (8.332) > ttable (0.677). Profitability can explain the variation of the firm value variable based on the R2 value of 28.5%, and GCG (Independent Board of Commissioners and Audit Committee) can strengthen the relationship between profitability and firm value to 47.7%.

A three-dimensional model of MSME performance: an agenda for further research Maria Rio Rita; Andrew Thomas Thren
BISMA (Bisnis dan Manajemen) Vol. 12 No. 1 (2019)
Publisher : Universitas Negeri Surabaya

This paper discusses company performance measurement literature as well as surveys the development of the newest literature about this topic. The purpose of this research is to produce a new measurement of MSME performance by inputting the entrepreneurial performance element, besides the financial measurement element and the market element. Qualitative research with a meta-synthesis method was used in this research to produce a new and wider viewpoint and understanding of the MSME performance measurement dimension. This entrepreneurial dimension can supplement the previously developed company performance measurement indicators. This study provides a performance measurement model modification that can be applied in Micro, Small, and Medium-sized Enterprises (MSMEs). KeywordsMSMEs; performance; entrepreneurial dimension; financial dimension; market dimension

PEMETAAN POTENSI PENGEMBANGAN EDU-AGROWISATA BERBASIS MASYARAKAT DI DESA KEBONDOWO RAWA PENING Roos Kities Andadari; Maria Rio Rita; Aldi Herindra Lasso; Sucahyo Sucahyo; Dina Banjarnahor
SEGMEN: Jurnal Manajemen dan Bisnis Vol 18, No 2 (2022): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v18i2.7590

Kajian ini bertujuan untuk memberikan arahan pengembangan pariwisata ekoagro di Desa Kebondowo Rawa Pening Kecamatan Banyubiru, Kabupaten Semarang. Selain itu, output kegiatan ini dapat dijadikan salah satu acuan dalam penyusunan kebijakan pengembangan wisata ekoagro yang lebih rinci dengan melibatkan sektor terkait untuk mengoptimalkan pengembangan wisata agro yang berkelanjutan. Hasil kajian ini berupa kondisi eksisting dari Desa Kebondowo dari aspek kekuatan-kelemahan, serta peluang-ancaman. Selain itu kajian ini juga memetakan potensi-potensi wisata di Desa Kebondowo yang berpotensi untuk diintegrasikan menjadi kawasan edu-agrowisata. Pemetaan tersebut dilakukan dengan mengacu pada komponen produk wisata yang terbagi menjadi atraksi wisata (tempat dan aktivitas wisata), amenitas, aksesibilitas, dan ancillary (komponen pendukung kelembagaan). Selain itu, kajian ini menitikberatkan pada dukungan masyarakat setempat untuk mendukung pengembangan konsep edu-agrowisata di Desa Kebondowo yang berwawasan lingkungan, berkelanjutan, terpadu dan terintegrasi.Kata kunci: edu-agrowisata; rawa pening; berbasis masyarakat

Relevansi Nilai Inkremental Arus Kas dan Laba Terhadap Return Saham: Kajian dalam Kondisi Moderat dan Ekstrem Gilang Sadita; Ari Budi Kristanto; Maria Rio Rita
Jurnal Akuntansi Keuangan dan Bisnis Vol 12 No 2 (2019): Jurnal Akuntansi Keuangan dan Bisnis
Publisher : Politeknik Caltex Riau

Dalam tataran empiris maupun teoretis, relevansi nilai informasi akuntansi kerap menjadi pusat kajian dalam kaitannya dengan pengambilan keputusan manajemen. Kandungan informasi yang termuat pada data laba maupun arus kas menjadi dasar pertimbangan bagi para pemangku kepentingan. Fokus penelitian ini adalah pada relevansi nilai inkremental arus kas di luar laba, yaitu ketika informasi arus kas digunakan untuk melengkapi evaluasi kinerja yang tercermin dalam laba. Sampel berasal dari perusahaan publik sektor non keuangan periode tahun 2014 – 2016, dan terpilih sebanyak 144 sampel berdasarkan kriteria yang ditentukan peneliti. Data diolah menggunakan teknik regresi data panel. Temuan menyatakan bahwa arus kas memberikan relevansi nilai inkremental di luar laba; arus kas moderat memberikan relevansi nilai di luar yang diberikan oleh laba moderat; arus kas ekstrem tidak memberikan relevansi nilai di luar yang diberikan oleh laba moderat; arus kas moderat memberikan relevansi nilai di luar yang diberikan oleh laba ekstrem; serta arus kas ekstrem tidak memberikan relevansi nilai di luar yang diberikan oleh laba ekstrem. Usulan agenda penelitian mendatang yaitu mengkomparasi temuan ini dengan menggunakan variabel dependen berupa harga saham.

The Moderating Role of Capital Adequacy in the Effect of Liquidity on the Profitability of Islamic Banking Rury Diwira Registanaranti Yastika; Maria Rio Rita; Imanuel Madea Sakti
Relevance: Journal of Management and Business Vol. 3 No. 2 (2020)
Publisher : UIN Raden Mas Said Surakarta

This study aims to examine the effect of liquidity on profitability with capital adequacy as a moderating variable in Islamic commercial banks in Indonesia. The research sample was 14 Islamic commercial banks during the 2016 - 2018 observation period. The dependent variable is profitability measured using Return On Assets (ROA), the independent variable is liquidity measured using the Financing to Deposit Ratio (FDR), the moderating variable is measured using the Capital Aquendency Ratio (CAR), and several control variables. Non Performing Financing (NPF), Operational Efficiency (BOPO), and Bank Size (SIZE). Hypothesis testing uses multiple linear regression with a random effect model. The results showed that bank liquidity was not proven to increase bank profitability and capital adequacy was not proven to moderate the relationship between the two. The results indicated that the efficiency factor and problematic financing The results indicate that the efficiency factor and non-performing financing are the main factors in influencing bank profitability.

Co-Authors Acropolis Gemilang Mada Ngara Ledewara Aditya, Nathaniel Bima Agnes Febriyani Aldi Herindra Lasso Andi Harmoko Arifin Andreas Gelbert Hariputra Alva Andrew Thomas Thren Aray Pantare Alam Aray Pantare Alam Ari Budi Kristanto Arya Bee Grand Christian Benaya Chrisma Adiputra Pesudo Benny Santoso Benny Santoso Benny Santoso, Benny Cahyapuspita, Hizkisevia Ayu Chandra Hariwijaya Chandradinangga, Arinta Chintara Diva Paramita Darwis, Herman Dessy Widyanasari Destri Sambara Sitorus Devi Mareta Bowi Dewanto, Marcus Dewi Kurnia Safitri Diannita Nurvitasari Diannita Nurvitasari Dina Rotua Valentina Banjarnahor Djie Liveren Adjie Tehananda Dwi Listiyorini Eduardus Tandelilin Evan Yulandreano Febrista, Rizqa Ratna Florentina Yuniar Pramesti Forlin Natalia Patty Franciska Diva Setiani Freddy Kurniawan Gilang Sadita Gumati, Tatang Ary Hadiluwarso, Melina Alicia Harjum Muharam Hendra Hendra Hindriati Pangestu I Made Sujana Imanuel Madea Sakti Irma Suryani Laras Novitasari Larissa Adella Octavina Lasarus Wisma Linda Ariany Mahastanti Lluis Sarquella Maharani, Danty Septya Mateus Dian Sanjaya Mega Ayu Paundriyana Dewi MI Mitha Dwi Restuti Misbach Fuady Misbach Fuady, Misbach Muhamad Aditya Yulianto nastiti, pambayun kinasih yekti Ni Kadek Noviyanti Nike Dwi Kusuma Sudibyo Paendong, Brayen Samuel Perisun Natanael Zega Pramesti, Florentina Yuniar Priscilla Intan Dwi Kriswidiyanti Priscilla, Priscilla Putu Ratna Windusara Putri Rahayu Widiastuti Ratna Kusumawati Raynaldi Pangestu Rendhy Bramantha Wisudana Retno Utaminingsih Riasita, Franciska Desti Riskin Hidayat Rizqa Ratna Febrista Roos Kities Andadari Rury Diwira Registanaranti Yastika Santoso, Yanuar Saputra, Vioaldy Eprilian Siti Mubarokah Sony Heru Priyanto Sucahyo Sugeng Wahyudi Sugeng Wahyudi, Sugeng Ulderike Eva Kristiana Utomo, Mohamad Nur Vianastasia Adryant Vioaldy Eprilian Saputra Yeterina Widi Nugrahanti Yulandreano, Evan

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