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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
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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LITERASI KEUANGAN DAN PERENCANAAN PENSIUN BAGI KARYAWAN GENERASI SANDWICH: KOMPARASI BERDASARKAN GENDER Maria Rio Rita; Yeterina Widi Nugrahanti; Riskin Hidayat; Djie Liveren Adjie Tehananda
SEGMEN: Jurnal Manajemen dan Bisnis Vol 19, No 2 (2023): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v19i2.8489

Abstract

Masa pensiun tidak dapat dihindarkan bagi seorang yang berstatus karyawan. Oleh sebab itu perlu adanya perencanaan pensiun sejak dini dan literasi keuangan yang baik agar di masa tuanya tetap dapat menikmati kesejahteraan finansial, demikian pula bagi mereka yang termasuk dalam kategori Generasi Sandwich. Studi ini bertujuan untuk menguji perbedaan literasi keuangan dan perencanaan pensiun yang dilakukan karyawan berdasarkan gender. Sampel dalam studi ini adalah karyawan berusia antara 25-55 tahun yang memiliki tanggungan finansial untuk gerasi di atas dan di bawahnya pada saat yang sama. Sampel diperoleh menggunakan metode snowball sampling, dan selanjutnya data dianalisis menggunakan uji Chi-Square. Temuan studi ini mendokumentasikan bahwa tidak terdapat perbedaan perencanaan pensiun yang signifikan dari karyawan berdasarkan gender dan literasi keuangannya, namun terdapat korelasi positif signifikan antara literasi keuangan dan perencanaan pensiun dari karyawan Generasi Sandwich. Kata Kunci: Perencanaan Pensiun, Gender, Literasi Keuangan, Generasi Sandwich, Uji Chi-Square
Changes In Investment Behavior of the Millennial Generation Before & During the Covid-19 Pandemic Hindriati Pangestu; Maria Rio Rita
Daengku: Journal of Humanities and Social Sciences Innovation Vol. 4 No. 2 (2024)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.daengku2485

Abstract

The aim of the research is to find out whether there has been a change in the investment behavior of the millennial generation before and during the Covid-19 pandemic. This research used a quantitative research approach. This study was conducted in Salatiga City, Central Java Province. The sampling technique used purposive sampling, with total sample was 100 respondents from the millennial generation. The results of the research show that there has been a change in the investment behavior of the millennial generation before and during the Covid-19 pandemic. Before the Covid-19 pandemic, the millennial generation preferred short-term investments because of the uncertainty of the income they would receive, whereas during the Covid-19 pandemic, the millennial generation chose short-term investments because they were minimal. risk. If we look at the type of investment before the Covid-19 pandemic, the generation preferred stock investment, while during the Covid-19 pandemic they preferred mutual funds.
Does Neoclassical Theory Exist in SMEs? Evidence from Central Java-Indonesia Sugeng Wahyudi; Maria Rio Rita; Misbach Fuady
Economics Development Analysis Journal Vol 10 No 3 (2021): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v10i3.45068

Abstract

Financial and non-financial aspects can influence company performance, not excluding small-medium enterprises (SMEs). This research examines the non-financial aspect, since studies in this area are still limited. This research strives to demonstrate the existence of the neoclassical theory in the relationship framework between the business aspect (real sector) and SME performance. This study, which was conducted on batik SMEs in Central Java Province-Indonesia, consisted of 265 samples. The data was obtained from surveys through distributing questionnaires and conducting interviews with batik SME entrepreneurs. The data analysis used a structural equation model (SEM). These study results documented that business prospects have direct and indirect effects on SME performance. The indirect influences are produced through entrepreneurial-oriented financial mediation. This finding reveals that the neoclassical theory will be more effective to improve company performance through entrepreneurial-oriented finance. The importance of the role of this mediating variable is shown from the total effect of the coefficient that is higher than the indirect effect or the direct effect of the coefficient.
Pengaruh Kecerdasan Spiritual, Intelektual, dan Emosional terhadap Pengelolaan Keuangan Pribadi Mahasiswa dengan Moderasi Peer Group Cahyapuspita, Hizkisevia Ayu; Rita, Maria Rio
Journal of Business Management Education (JBME) Vol 7, No 1 (2022)
Publisher : Business Education Program of Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jbme.v7i1.40940

Abstract

This study aims to determine the factors that can affect the personal financial management of Satya Wacana Christian University Faculty of Economics and Business students such as spiritual, intellectual, and emotional intelligence moderated by peer groups. The analysis technique used in this research is SEM-PLS using the Smart PLS 3.0 program. This study states that spiritual and intellectual intelligence has a significant positive effect, while emotional intelligence has a significant negative effect. The role of the peer group as a moderator in this study shows that the peer group does not strengthen or weaken the spiritual, intellectual, and emotional intelligence variables on personal financial management.
EFEK MEKANISME GOOD CORPORATE GOVERNANCE TERHADAP KINERJA KEUANGAN MELALUI MEDIASI MANAJEMEN LABA Vioaldy Eprilian Saputra; Maria Rio Rita; Imanuel Madea Sakti
Modus Vol. 34 No. 1 (2022): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v34i1.5000

Abstract

This study aims to examine the effect of good corporate governance (GCG) on financial performance through earnings management mediation. The study was conducted on 19 State-Owned Enterprises listed on the Indonesia Stock Exchange for the 2015-2019 period which were selected using the purposive sampling method. Testing the data using Partial Least Square (PLS), the results showed that GCG had no effect on financial performance, but GCG had a negative effect on earnings management. Furthermore, earnings management had no effect on financial performance. Finally, GCG was not found to have an effect on financial performance through earnings management. Keywords: good corporate governance; financial performance; earnings management ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh tata kelola perusahaan (Good Corporate Governance/GCG) terhadap kinerja keuangan melalui mediasi manajemen laba. Penelitian dilakukan pada 19 Badan Usaha Milik Negara yang terdaftar di Bursa Efek Indonesia periode 2015-2019 yang dipilih dengan metode purposive sampling. Pengujian data menggunakan Partial Least Square (PLS). Hasil menunjukkan bahwa GCG tidak berpengaruh terhadap kinerja keuangan, namun GCG berpengaruh negatif terhadap manajemen laba. Selanjutnya, manajemen laba tidak berpengaruh terhadap kinerja keuangan. Terakhir, GCG tidak ditemukan berpengaruh terhadap kinerja keuangan melalui manajemen laba. Kata kunci: tata kelola perusahaan; kinerja keuangan; manajemen laba
The Usage of Paylater Among College Students: The Role of Self-Control, Hedonistic Conformity, and Family Financial Education Nugrahanti, Yeterina Widi; Rita, Maria Rio; Restuti, Mitha Dwi; Hadiluwarso, Melina Alicia
Jurnal Manajemen Bisnis Vol. 15 No. 2: September 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v15i2.23456

Abstract

Research aims: The increasing phenomenon of the unwise use of Paylater in society, even among college students, is interesting to review further. This study aims to test the role of self-control and hedonistic conformity with the moderation of family financial education on the use of Paylater by university students.Design/Methodology/Approach: Primary data was obtained through a survey involving 117 respondents who have or are currently using the Paylater service. Furthermore, the data was processed using the Partial Least Squares (PLS) method.Research findings: This study produced the following findings: hedonistic conformity was proven to have a positive effect on the use of Paylater in the full sample and in two sub-samples. This finding is in line with the TPB modification used in this research, hedonic conformity as a proxy for subjective norms has been shown to contribute positively to the use of Paylater among colleege students. Meanwhile, the role of family financial education has not been proven to moderate the regression path of self-control and hedonic conformity on the use of Paylater.Theoretical Contribution/Originality: This study contributes to enriching the literature on personal financial management, especially regarding the use of Paylater based on internal and external factors of students.Practitioners/Policy Implications: These results offer recommendations for personal financial management, especially for university students, to avoid the risk of being trapped by Paylater by paying attention to their social community and prioritizing family financial education.Research Limitations/Implications: Respondents were mostly undergraduate students, so this study cannot explain the dynamics of financial behavior among undergraduate and postgraduate students who have different demographic characteristics. Therefore, future research needs to analyze different sample groups to enrich the scientific perspective. Furthermore, to provide depth of analysis, this study proposes to add other internal aspects of the individual to the TPB theoretical framework (e.g.: perception of usury and financial risk tolerance). Last but not least, regarding the development of indicators from the family financial education variable that does not yet include personal debt management education items, hence this indicator can be added as a proxy for this variable to obtain in-depth measurements.
Remuneration Committee and Cost of Equity Capital: A Study of Manufacturing Companies on the Indonesia Stock Exchange for the Period 2013-2023 Darwis, Herman; Gumati, Tatang Ary; Arifin, Andi Harmoko; Rita, Maria Rio
JABE (JOURNAL OF ACCOUNTING AND BUSINESS EDUCATION) Volume 9, Issue 4, June 2025
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/jabe.v9i4.58997

Abstract

This study aims to examine the effect of the remuneration committee on the cost of equity capital. The population of this study is manufacturing companies listed on the Indonesia Stock Exchange from 2013 to 2023. The data collection procedure used purposive sampling, the sample used companies that formed a remuneration committee, the number of observations used in this study from 2013 to 2023 was 371, with a sample size of 38 companies. The data analysis technique used multiple linear regression panel data. This study enriches the corporate governance literature in Indonesia with a comprehensive approach to measuring the cost of capital. The results found that the remuneration committee was found to be significantly negatively related to the cost of equity capital. This means that the existence of a remuneration committee is associated with a decrease in the cost of equity capital. This finding confirms that the formation of a remuneration committee can help monitor and advise executive management regarding remuneration decisions. The control variable of company size has a significant negative effect on the cost of equity capital. The control variables of sales growth, debt, and earnings quality do not affect the cost of equity capital.
DAMPAK PERILAKU KONSUMTIF DAN INKLUSI KEUANGAN TERHADAP KEPUTUSAN INVESTASI GENERASI SANDWICH: PERAN MODERASI LITERASI KEUANGAN Paendong, Brayen Samuel; Rita, Maria Rio
SEGMEN: Jurnal Manajemen dan Bisnis Vol 20, No 1 (2024): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v20i1.9125

Abstract

Penelitian ini bertujuan untuk menguji secara empiris pengaruh perilaku konsumtif dan inklusikeuangan terhadap keputusan investasi pada generasi sandwich yang dimoderasi oleh literasi keuangan. Sampel dalam penelitian ini sejumlah 175 orang dari generasi sandwich yang diambil dengan metode purposive sampling. Analisis data menggunakan MRA (Moderated Regression Analysis) dengan program SPSS. Hasil penelitian menunjukkan bahwa (1) perilaku konsumtif tidak berpengaruh negatif terhadap keputusan investasi, (2) inklusi keuangan berpengaruh positif terhadap keputusan investasi, dan (3) literasi keuangan tidak terbukti memoderasi pengaruh perilaku konsumtifterhadap keputusan investasi pada generasi sandwich.
TRANSFORMASI SPENDER MENJADI PENGUSAHA: BIAS-BIAS EMOSI DALAM PENGAMBILAN KEPUTUSAN INVESTASI KEDAI KOPI INDEPENDEN Riasita, Franciska Desti; Rita, Maria Rio
SEGMEN: Jurnal Manajemen dan Bisnis Vol 20, No 2 (2024): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v20i2.9127

Abstract

Fenomena gelombang kopi memperlihatkan peralihan perilaku konsumen kopi yang menjadi akhirnya tertarik untuk memiliki kedai kopi sendiri atau yang dikenal dengan istilah kedai kopi independen. Penelitian ini memetakan tingkat bias emosi dari pelaku usaha kedaikopi independent di Kota Salatiga meliputi: excessive optimism, overconfidence, dan illusion of control. Penelitian ini menggunakan pendekatan deskriptif-kualitatif untuk mengukur tingkat bias emosi dari pengusaha dalam investasi kedai kopi independent. Data primerdiperoleh melalui survey dengan menyebarkan kuesioner dan dilengkapi wawancara mendalam dengan 14 responden. Temuan menunjukkan bahwa pelaku usaha kedai kopi memiliki tingkat bias excessive optimism, overconfidence, dan illusion of control yang tergolong tinggi engan rata-rata masing-masing sebesar 7.96; 7.78 dan 7.96. Bagi calon maupun pengusaha wajib merencanakan keputusan investasi secara matang karena melibatkan dana yang besar serta pengelolaan emosi yang bijak dalam proses pengambilan keputusan bisnis. Studi ini menarik untuk dilakukan karena adanya pergeseran perilaku dari spender menjadi pengusaha, apakah bias emosi mendominasi keputusan investasi pengusaha tersebut. Fakta ini menyisakan ruanguntuk dieksplore lebih lanjut dengan menguji nexus bias emosi baik sebagai determinan maupun konsekuensi dalam penelitian mendatang.
PERBANDINGAN PROFITABILITAS PERUSAHAAN SEBELUM DAN SETELAH PENERAPAN UU NO. 40/ 2007 TENTANG KEWAJIBAN PERSEROAN TERBATAS (Studi Empiris pada Perusahaan-Perusahaan yang Bergerak di Bidang Energi dan Sumber Daya Mineral) Santoso, Yanuar; Rita, Maria Rio
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 3 No. 1 (2012): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (278.322 KB)

Abstract

Law of the Republic of Indonesia number 40 of 2007 concerning limited liability company requires for every company operate in natural resources to execute corporate social responsibility (CSR). The purpose of CSR is to embrace responsibility for the company’s actions and encourage a positive impact through its activities on the environment, employees, communities, consumers and all other members of the public sphere who may also be considered as stakeholders. Sme previous studies found that CSR could increase financial performanc and gave positive image to communities. This purpose of this study is to test clearly about the difference of firm’s profitability (gross profit margin, operating profit margin, net profit margin, return on assets and return on equity) before and after the requirement of law no. 40/ 2007. The analysis using Wilcoxon signed rank test and using data of financial annual report of firms between 2004 to 2009. Samples consist of mining and mining services companies in Indonesia Stock Market (IDX). The results of this study show that profitabilities of the firms before and after the requirement of law no. 40/ 2007 have no significantly differences. This result probably due to research period is to short, so it can not show significant difference of increase in profit. Keywords: Corporate Social Responsibility, Profitability, Act No. 40/ 2007.
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