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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 AFRE Accounting Financial Review 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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Determinan Kinerja UMKM: Fintech Lending, Modal Usaha dan Orientasi Pasar Agnes Febriyani; Maria Rio Rita
AFRE (Accounting and Financial Review) Vol 5, No 2 (2022): July 2022
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v5i2.7761

Abstract

The purpose of this research is to analyze the effect of fintech lending, venture capital, market orientation on MSME performance. In business performance, MSME owners still have problems using fintech lending, limited capital and market orientation knowledge. However, the existence of fintech lending can facilitate sales transactions and can provide capital easily. There are 250 SMEs registered in Kupang Village, then through the sample collection method using purposive sampling and obtained 50 manufacturing SMEs. The analytical technique used in this research is multiple linear regression. The results of this study indicate that business capital and market orientation have a positive influence on the performance of MSMEs. Fintech lending has no effect on the performance of MSMEs.DOI: https://doi.org/10.26905/afr.v5i2.7761
Investment Decisions on the Crowdfunding Platform Based on the Theory of Planned Behavior Evan Yulandreano; Maria Rio Rita
Jurnal Manajemen Bisnis Vol 14, No 1: March 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v14i1.16494

Abstract

Research aims: Few studies on crowdsourcing have been conducted concerning Indonesian investors and fund providers. This study, therefore, aims to examine the role of investment intentions by investors with the influence of attitudes, subjective norms, and perceived behavioral control for investment decisions and the role of investment intentions as mediating variables on the relationship between perceived behavioral control and investment decisions.Design/Methodology/Approach: The research sample involved 100 investor respondents on a crowdfunding platform that had obtained permission from the Financial Services Authority (OJK). The analysis in this study then utilized PLS-SEM with SmartPLS 3.0.Research findings: The study results demonstrated that while attitudes and perceived behavioral control positively affected investment intentions, subjective norms did not. Besides, perceived behavioral control positively affected investment intentions and crowdfunding investment decisions. Meanwhile, investment intention had a positive effect on crowdfunding investment decisions.Theoretical Contribution/Originality: This study used the Theory of Planned Behavior (TPB) to examine the role of investment intention by investors with the influence of attitudes, subjective norms, and perceived behavioral control for investment decisions and the role of intention as a mediating variable on the relationship between perceived behavioral control and investment decisions.Practitioners/Policy Implications: The implications of research in crowdfunding decision-making based on investors’ considerations are attitudes, perceived behavioral control, and investment intentions.Research Limitations/Implications: This research was limited to investment decisions in TPB-based crowdfunding only, so further research is needed to observe other aspects besides psychological factors, such as testing the level of education, income, gender, and others, that may strengthen investment decisions on the crowdfunding platform.
Pengaruh Program KUR dan BLT terhadap Kinerja UMKM dengan Strategi Diferensiasi sebagai Variabel Mediasi Irma Suryani; Maria Rio Rita
Jurnal Manajemen dan Keuangan Vol 12 No 1 (2023): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v12i1.5310

Abstract

This study aims to examine the impact of the Kredit Usaha Rakyat (KUR) and Bantuan Langsung Tunai (BLT) programs on the performance of MSMEs through differentiating mediation strategies. This study involved SMEs in Salatiga City using a purposive sampling method to purchase samples. Data is processed using Partial Least Square-Structural Equation Modeling (PLS-SEM). The reported findings are that the KUR and BLT programs have a significant positive effect on the differentiation strategy and also on the performance of MSMEs. It is also proven that differences in strategy mediate the effect of the KUR and BLT programs on MSME performance. This can be a reference for MSME actors to increase capital in a business by wisely using the KUR and/or BLT programs to support the implementation of a differentiation strategy to improve operations.
MEDIASI PERILAKU PENGELOLAAN KEUANGAN DALAM PENGARUH FINTECH DAN LITERASI KEUANGAN TERHADAP KINERJA USAHA Muhamad Aditya Yulianto; Maria Rio Rita
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 7 No 2 (2023)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2023.v7.i2.5260

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan financial technology (fintech) terhadap kinerja usaha yang di mediasi oleh perilaku pengelolaan keuangan. Penelitian ini menggunakan desain penelitian kuantitatif dengan menggunakan metode pengujian partial least square (PLS) berbasis kovarian dan tes sobel untuk pengujian mediasi. Pengumpulan data dilakukan melalui penyebaran kuesioner secara online maupun offline kepada pengguna “Pojok Bayar” yang tersebar di wilayah Kota Salatiga. Populasi dalam penelitian ini adalah seluruh pengguna aplikasi “Ayo SRC” dengan sampel yang dipilih menggunakan teknik purposive sampling. Jumlah sampel penelitian yang digunakan adalah 100 orang. Penelitian menunjukan hasil berikut: pertama, fintech berpengaruh positif signifikan terhadap kinerja usaha. Kedua, literasi keuangan juga memiliki pengaruh positif signifikan terhadap kinerja usaha. Ketiga, perilaku pengelolaan keuangan memiliki pengaruh positif signifikan terhadap kinerja usaha. Selanjutnya hipotesis keempat dan kelima membuktikan bahwa fintech dan literasi keuangan memiliki pengaruh positif signifikan terhadap perilaku pengelolaan keuangan. Hipotesis keenam dan ketujuh membuktikan bahwa perilaku pengelolaan keuangan memediasi pengaruh fintech dan literasi keuangan terhadap kinerja usaha. Temuan ini menunjukan bahwa dengan penggunaan fintech dan peningkatan literasi keuangan yang disertai dengan perilaku pengelolaan keuangan yang baik dalam bisnis mampu memaksimalkan kinerja usaha. Agenda penelitian selanjutnya diusulkan untuk mempertimbangkan efek variabel sosiodemografis dan karakteristik usaha untuk memeroleh perspektif yang lebih mendalam terhadap kinerja usaha.
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.
The Sources and Effects of Retirement Planning: An Empirical Study of Sandwich-Generation Employees in Indonesia Maria Rio Rita; Yeterina Widi Nugrahanti; Pambayun Kinasih Yekti Nastiti
Media Ekonomi dan Manajemen Vol 39, No 2 (2024): July 2024
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mem.v39i2.4878

Abstract

This research aims to analyze the retirement planning of employees belonging to the sandwich generation by considering financial literacy, collectivist culture, and family financial responsibility that promote financial and psychological well-being. We run the SEM-PLS to analyze the data from 200 sandwich-generation employees between 25-55 years old. The results demonstrate that financial literacy positively affects financial and psychological well-being, collectivist culture positively affects family financial responsibility, family financial responsibility affects retirement planning and psychological well-being, as well as retirement planning positively affects financial and psychological well-being. These findings indicate that personal and financial factors contribute to retirement planning for sandwich generation employees. It is hoped that planning for retirement early can break the chain of births of the next sandwich generation in the family, so that financial and psychological well-being can be achieved. This paper implies that sandwich-generation employees must plan their retirements early and wisely to achieve financial well-being and even break the chain of the next sandwich-generation.
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
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 Bowi, Devi Mareta Cahyapuspita, Hizkisevia Ayu Chandra Hariwijaya Chandradinangga, Arinta Chintara Diva Paramita Darwis, Herman Dessy Widyanasari 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 Lluis Sarquella Maharani, Danty Septya Mateus Dian Sanjaya Mega Ayu Paundriyana Dewi MI Mitha Dwi Restuti Misbach Fuady Misbach Fuady, Misbach Muhamad Aditya Yulianto Ni Kadek Noviyanti Nike Dwi Kusuma Sudibyo Paendong, Brayen Samuel Pambayun Kinasih Yekti Nastiti 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