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Pengaruh Perilaku Keuangan dan Persepsi Risiko Terhadap Keputusan Investasi Emas Di Pegadaian Kota Sukabumi Auliya, Auliya Farreli Irhandi; Nor Norisanti; Sopyan Saori
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 9 No 2 (2025): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the influence of financial behavior and risk perception on customers of Pegadaian in Sukabumi City. The population in this study consists of customers of the Cicil Emas programs (Mulia Ultimate and Emasku) and Gold Savings at Pegadaian Sukabumi City. The population includes all gold investment customers at Pegadaian Sukabumi. The sampling technique used in this study is the Slovin formula, and data were collected using a questionnaire. The sample size of this study is 225 respondents, and the data were analyzed using SPSS version 26. The results show that both financial behavior and risk perception have a significant positive influence on investment decisions. This is supported by the t-test results, which show that the calculated t-value is greater than the t-table value.
The Effect of Financial Literacy, Risk Tolerance on Stock Investment Decisions through Financial Behavior as a Mediating Variable Hafitri, Nisa Elya; Norisanti, Nor; Saori, Sopyan
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4807

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This study aims to analyze the effect of financial literacy and risk tolerance on stock investment decisions, with financial behavior as a mediating variable, on young investors who are members of the stock community on the Twitter application. Using a quantitative approach and causality associative design, this study involved 210 respondents selected through purposive sampling. Data were collected through a Likert scale-based online questionnaire and analyzed using a Structural Equation Modeling (SEM) model based on Partial Least Squares (PLS) through SmartPLS 4 software. The results showed that financial literacy has a significant positive effect on investment decisions, meaning that the higher the financial literacy, the better the investment decision. In addition, risk tolerance also has a significant positive effect, indicating that high risk tolerance encourages bolder investment decisions. Financial behavior is found to have a significant influence on investment decisions, indicating the importance of good financial behavior in improving the quality of investment decisions. Financial behavior is also proven to significantly mediate the relationship between financial literacy and risk tolerance on investment decisions, strengthening the influence of both variables. This study confirms the importance of financial literacy and positive financial behavior for young investors to improve risk analysis skills, avoid illegal investments, and maximize investment profit opportunities. The findings are expected to serve as a reference for the development of financial education and the formation of healthy financial habits among the younger generation.
The Influence of Workload and Reward on Employee Performance (Survey at PT. Bank Syariah Indonesia KCP Cianjur Employees) Kamal, Ananda Rizkia; Mulia Z, Faizal; Saori, Sopyan
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4999

Abstract

This study aims to determine how much influence the workload and reward provision have on the performance of employees of PT. Bank Syariah Indonesia Kxp Cianjur. Respondents in this study were 40 people aimed at employees of PT. Bank Syariah Indonesia Kcp Cianjur. This research method uses a quantitative method with a descriptive and associative approach. In this study, a normality test, simultaneous statistical test (F test) and partial statistical test (T test) were carried out. The results of this study indicate that there is a simultaneous positive influence between Workload, Reward Provision and Employee Performance, with a result of 60,556> 2.84 which means that the F Calculation value is greater than the F Table. Meanwhile, partially Workload has a positive and significant effect on Employee Performance, this is evidenced by the value obtained from the T Calculation result which is 5,587 greater than the T Table which is 1,687, with a significance value of 0.000 <0.05. And the provision of rewards has a positive and significant effect on employee performance, this is proven by the value obtained from the results of the T count, which is 5.109, which is greater than the T table, which is 1.687, with a significance value of 0.000 <0.05.
Impact of Digital Transformation, Differentiation Strategy, and Innovation Capability on Competitive Advantage: Survey of Beverage MSMEs in Sukabumi City) Noval, Muhammad; Danial, R. Deni Muhammad; Saori, Sopyan
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2660

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This study aims to determine the influence of Digital Transformation, Differentiation Strategy, and Innovation Capability on Competitive Advantage in beverage MSMEs in Sukabumi City. The respondents in this study were 100 beverage MSMEs in Sukabumi City. This research employed a quantitative method with a descriptive and associative approach. The statistical tests used in this study included simultaneous testing (F-test) and partial testing (t-test). The results of the study indicate that there is a positive and significant simultaneous influence of Digital Transformation, Differentiation Strategy, and Innovation Capability on Competitive Advantage, as evidenced by the F-count value of 13,416 > F-table 3,096. Partially, Digital Transformation does not have a significant positive effect on Competitive Advantage, as shown by the t-count value of 1.152 with a significant value of 0.252 > 0.05. Meanwhile, Differentiation Strategy has a positive and significant effect on Competitive Advantage, which is proven by the t-count value of 4.312 with a significance value of 0.000 < 0.05. Furthermore, Innovation Capability also has a positive and significant effect on Competitive Advantage, with a t-count value of 2.891 and a significance value of 0.005 < 0.05.
ANALISIS BURNOUT DAN WORK LIFE BALANCE TERHADAP TURNOVER INTENTION DI MASA PANDEMI COVID-19 Exacta, Egivzi Arya; Komariah, Kokom; Saori, Sopyan
Procuratio : Jurnal Ilmiah Manajemen Vol 10 No 3 (2022): Procuratio : Jurnal Ilmiah Manajemen
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/procuratio.v10i3.2092

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The purpose of this study is to determine the effect of burnout and work life balance on turnover intention. The methods used in this research are descriptive and associative in a quantitative way. The sampling technique used in this study was the saturated sampling technique. The samples selected in this study were 63 employees of Sparks Forest Adventure. The data analysis techniques used in this study are multiple correlation analysis techniques, coefficient of determination analysis, multiple linear regression analysis,partial significant test and simultaneous significant test. Based on the results of the multiple correlation coefficient test, an R value of 0.743 means that there is a strong relationship between burnout and work life balance on turnover intention at Sparks Forest Adventure. The results of the coefficient of determination test were obtained from the acquisition of a value of 0.553, meaning that the relationship between burnout and work life balance on turnover intention at Sparks Forest Adventure was 55.3% and 44.7% influenced by other variables. Based on the results of the analysis, it can be concluded that Burnout and Work Life Balance have a significant effect on Turnover Intention in Sparks Forest Adventure Sukabumi. Tujuan dari penelitian ini yaitu untuk mengetahui pengaruh burnout dan work life balance terhadap turnover intention. Metode yang dipakai dalam penelitian ini yaitu metode deskriptif dan asosiatif dengan cara kuantitatif. Teknik pengambilam sampel didalam penelitian ini memakai Teknik sampling jenuh, sampel yang dipilih dalam penelitian ini yaitu sebanyak 63 orang karyawan Sparks Forest Adventure. Teknik analisis data yang dipakai dalam penelitian ini yaitu teknik analisis korelasi ganda, analisis koefisien determinasi, analisis regresi linear berganda, uji signifikan parsial (uji-T) dan uji signifikan simultan (Uji-F). Berdasarkan hasil dari uji koefisien korelasi ganda didapatkan nilai R sebesar 0,743 artinya bahwa ada hubungan yang kuat antara burnout dan work life balance terhadap turnover intention di Sparks Forest Adventure. Hasil uji koefisien determinasi didapatkan dari perolehan nilai (R Square) yaitu sebesar 0,553 artinya hubungan antara burnout dan work life balance terhadap turnover intention di Sparks Forest Adventure terdapat hubungan sebesar 55,3% dan 44,7% dipengaruhi variabel lain. Berdasarkan hasil analisis maka dapat disimpulkan bahwa Burnout dan Work Life Balance berpengaruh signifikan terhadap Turnover Intention pada sparks forest adventure sukabumi.
Pengaruh Struktur Modal, Kepemilikan Institusional dan Perputaran Modal Kerja Terhadap Nilai Perusahaan: Studi Keuangan pada Sub Sektor Asuransi yang Terdaftar di BEI Periode 2018-2023 Najma Alifia; Dicky Jhoansyah; Sopyan Saori
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i11.4123

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The purpose of this study was to determine how much influence Capital Structure, Institutional Ownership and Working Capital Turnover have on Company Value in the Insurance Sub-Sector listed on the IDX for the 2018-2023 Period. The objects in this study are Capital Structure (X1), Institutional Ownership (X2), Working Capital Turnover (X3) and Company Value (Y). This research uses descriptive and associative methods with a quantitative approach. The sampling technique used in this study used a non-probability sampling approach with a purposive sampling approach. The data analysis techniques used are correlation coefficient test, determination coefficient, multiple linear regression test, simultaneous test (F test) and partial test (t test). Based on the results of the study, it shows that there is a variable relationship between Capital Structure, Institutional Ownership, and Working Capital Turnover on Firm Value of 0.472 which means that the level of relationship between Capital Structure, Institutional Ownership, and Working Capital Turnover on Firm Value includes moderate relationship criteria. Then the results of the partial test show that Capital Structure has a negative and insignificant effect on Firm Value, Institutional Ownership has a positive and significant effect on Firm Value, and Working Capital Turnover has a positive and significant effect on Firm Value. Keywords: Capital Structure, Institutional Ownership, Working Capital Turnover, Company Value.
Pengaruh Kredit Macet, Tingkat Efisiensi dan Likuiditas Terhadap Profitabilitas: Studi pada Perbankan Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2020-2022 Julianti Eka Putri; Nor Norisanti; Sopyan Saori
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i11.4124

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The purpose of this study was to determine how the influence of Bad Debt, Efficiency Level and Liquidity on Profitability both partially and simultaneously. The data used in this study are secondary data in the form of financial statement data on conventional public banking companies listed on the Indonesia Stock Exchange for the period 2020-2022. The research methods used are descriptive and associative methods with a quantitative approach. The sampling technique used in this study used a non-probability sampling approach with purposive sampling method. The data analysis techniques used are multiple correlation coefficient test, coefficient of determination, multiple linear regression test, partial test (t test) and simultaneous test (f test). Based on the results of the study, it shows that from the partial test (t test) Bad Credit (NPL) shows a result of 0.294 where tcount 1.065 < t table 2.024 with a significance value of 0.294, then the Efficiency Level shows a result of 0.000 where tcount 22.440 < t table 2.024 with a significance value of 0. 000, then Liquidity shows a result of 0.002 where tcount 3.396 < ttable 2.024 with a significance value of 0.002. the conclusion is that Bad Debt partially has no effect on Profitability while the Efficiency Level, Liquidity partially has an effect on Profitability.
Analysis of Restaurant Popular Reputation on Customer Satisfaction With Customer Review As A Mediation Variable Ulfah Siti Lathiifah; Asep Muhamad Ramdan; Sopyan Saori
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6813

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The abstract contains a brief description of the purpose: This study aims to determine the analysis of popular restaurants, reputation, and customer satisfaction with customer reviews in Sukabumi City. This research is motivated by Popular restaurants in Sukabumi facing challenges in maintaining customer satisfaction due to inconsistent food quality, suboptimal service, and mismatch between price and quality. In the midst of fierce competition, restaurant reputation is an important factor in building consumer trust and satisfaction.Methods: Using a quantitative descriptive method using a semantic differential scale-based questionnaire distributed online and directly. The sampling technique used was accidental sampling, distributed to 200 respondents. Data were analyzed using validity and reliability tests, tests and analyses included validity tests, reliability, R-square tests, F-square tests, and hypothesis testing using the bootstrapping method to see the direct and indirect effects between variables using SEM-PLS analysis through SmartPLS 3 software.Results: The study shows that reputation significantly affects customer satisfaction, both directly and through customer reviews as a partial mediator. While the direct effect is stronger, customer reviews still enhance consumer perceptions. The research model is predictive, with valid and reliable indicators, making the findings generalizable.Implications: of this study are that restaurants need to focus on maintaining and improving their reputation through the quality of service, food, and comfort, because this has a direct impact on customer satisfaction. In addition, it is important for restaurants to actively manage and respond to customer reviews, because customer reviews can strengthen the influence of reputation on consumer satisfaction.
Analysis of Market Orientation and Product Innovation on Competitive Advantage Wati, Sukma Septya; Joansyah, Dicky; Saori, Sopyan
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 4 (2024): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i4.3108

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The development of the traditional food industry has intensified competition among MSMEs. This study aims to analyze the effect of market orientation and product innovation on competitive advantage in traditional food MSMEs in Sukabumi City. The research method uses a causal descriptive quantitative approach with a sample of 128 traditional food MSMEs. Data were collected through questionnaires, interviews, literature study, and documentation. Data analysis used multiple linear regression. The results showed that market orientation had no significant effect on competitive advantage, while product innovation had a positive and significant effect on competitive advantage. Simultaneously, market orientation and product innovation have a significant effect on competitive advantage with a contribution of 15%. This finding indicates that traditional food MSMEs in Sukabumi City need to focus more on product innovation to improve their competitive advantage. This study provides insights for MSME players and related stakeholders in developing strategies to improve the competitiveness of traditional food MSMEs in an increasingly competitive era.
The Effect of Customer Orientation on Marketing Performance Through Product Innovation as a Mediating Variable Alipia, Maya; Danial, R Deni Muhammad; Saori, Sopyan
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 4 (2024): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i4.3113

Abstract

Marketing performance in culinary MSMEs in Sukabumi City is suspected to be caused by low product innovation and customer orientation. The purpose of this study was to analyze the effect of customer orientation on marketing performance with product innovation as a mediating variable. This study used quantitative method with descriptive causal approach. The study population was culinary MSMEs in Sukabumi City registered at the cooperative office, with a sample of 135 MSMEs randomly selected through probability sampling technique. Data collection was conducted through observation, questionnaires, and literature study, and data analysis using Structural Equation Modeling (SEM) method with the help of AMOS software. The results showed that customer orientation has a significant positive effect on product innovation (C.R. = 5.551, p < 0.05), and customer orientation has a significant positive effect on marketing performance (C.R. = 4.517, p < 0.05). However, product innovation has no significant effect on marketing performance (C.R. = 0.984, p > 0.05). Product innovation partially mediates the relationship between customer orientation and marketing performance (Z value = 3.168 > 1.978). In conclusion, customer orientation is important to improve marketing performance, although product innovation is not the dominant mediating factor.
Co-Authors Adik Anov Permana Adistia Agustiani Sopyan Saori, Sonia Agustiani, Sonia Aldi Rouf Ramdan Alif Piya Nurul Hasanah Alipia, Maya Anak Agung Putu Ayu Anandya Putri, Asqa Anbia ulhaq Angga Maulana Anggraeni, Yovita Annadya Putri, Asqa Ardi Reza Faluvi, Muhammad Arrazi, M Adam Asep Muhamad Ramdan Auliya, Auliya Farreli Irhandi Citradewi, Any Dermawan, Safna Mutia Dewi Mayanti, Karina Deya Mentari Octavia Anugerah Dhiniswara Prasetya Dian Fitriani Dian Rahma Putri Dicky Jhoansyah Difa&#039;a Kania R Disa Falentina Disa Siti Nurjanah Emillio Reggy Sanggara Djorghi Erry Sunarya Exacta, Egivzi Arya Faizal Mulia Z Farike Rhava Kusmita Fasmala, Aji Heryana Fazril, M Fazril Feby Helsanti, Neng Fitriani Fitriani Fitrio, Rian Renaldi Muhamad Fuji Siti Nurfitrah Futri Ayu Kartini Ghartiwa, Ghivari Lughi Ghivari Lughi Ghartiwa Hafitri, Nisa Elya Hamdan Yuwafi, Milki Hamidah, Laila Hasan Jaelani, Mochamad Maulana Hopia, Nida Hudaya, Syalva Fauzia Ibrohim Ibrohim Ilham Budiman Ilham Maulana Ilham Maulana Intan Kamil Dwi Permadi Irma Sulastri Joansyah, Dicky Julianti Eka Putri Kamal, Ananda Rizkia Khoirunnisa LMD Kholipah Al Mugni Koernia, Zahra Zakiyyah Kokom Komariah Kokom Komariah KOKOM KOMARIYAH, KOKOM Laila Hamidah Leofani Deris Lisda Lisda M Nuralamsyah Maharani, Dewica Marina, Ade Mochamad Iqbal Pratama Mochamad Iqbal Pratama Mochamad Maulana Hasan Jaelani Muhamamd Yuga Pangestu Muhammad Noval Muhammad Reza Muhammad Reza Mutiara Shinta Kusmayadi Najma Alifia Najwa Indah Sari Nandhika, Rifky Nor Norisanti Nur Azmi Nur Azmi, Nur Nur Siti Rahma Nuranisa, Dita Rizki Nurcahya Kamila, Adinda Sofie Nurfatimah, Nyimas Nurhamidah, Nadiza Septiyani Nurmala, Resa Nurul Hermawan Alamsyah Pasya Prayoga, Fachreza Pebrian, Yuslan Perdiansyah, Rudi Putra, Uuy Subyana Suparji Putri Listiawati, Hana Putri, Apdhita Seftiantie Rusmaya R Deni Muhammad Danial Raffi, Muhammad Rahmat Setyo Wicaksono Ramadhani, Alfyan Ramdan Nurul Anwar Ramdan, Aldi Rouf Resa Nurmala Reza Faluvi, M. Ardi Riandy, Muhammad Rizky Risma Melati Rositawati, Neng Rosyadi, Puji Atesya Rustaman, Taufik Saftila, Diva Saputri, Wawa Nazwa Sarif Hidayatullah Sela Anjelia Septiani, Iklima Silla Prasasti Solly Aryza Sri Fitri Widianingsih Srimaulani, Vina Subarkah, Abdul Ilham Suci Amanda, Nabila Sunarya, Erry Syiffa Naimah Taopik, Moh. Tetty Sufianty Zafar Try Mustika Murty Ulfah Siti Lathiifah Upah Upah Upah, Upah Utari Adetianingsih Vina Srimaulani wahyuni wahyuni Wati, Sukma Septya Wulan Amalia Rizky Zidan Zidan Zidan, Zidan Zikrillah Fajari