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All Journal Ekobis: Jurnal Ilmu Manajemen dan Akuntansi Multidisciplinary Journal of Education, Economic and Culture
Christiana Wahyuningrum
SEKOLAH TINGGI ILMU EKONOMI OEMATHONIS
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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PENILAIAN TINGKAT KESEHATAN KOPERASI DARI ASPEK LIKUIDITAS, PERMODALAN, KEMANDIRIAN DAN PERTUMBUHAN KSP SAHABAT SETIA SMAN 6 KUPANG Avelina Felsiana Nutri; Christiana Wahyuningrum
EKOBIS Vol 7 No 1 (2019)
Publisher : Universitas Boyolali

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Abstract

The problem in this research is fixed asset did not increase and current liabilities increased yet give description about the health level of cooperative from the aspect of liquidity, capital, independence, and growth. The formulation of the problem in this research is how the level of health of cooperative from liquidity aspect, capital aspect, and independence aspect and growth of KSP Sahabat Setia SMAN 6 Kupang. The purpose of this research is to know the level of health of cooperative from liquidity aspect, capital aspect and independence aspect and growth of KSP Sahabat Setia SMAN 6 Kupang. The required data are quantitative data and qualitative data obtained by a documentation study. The technique of data analysis in this research is quantitative descriptive analysis by using indicator from three aspects that is liquidity aspect, capital aspect, and independence aspect and growth aspect. Based on data analysis, it can be concluded that the health level of savings and loan cooperatives of SMAN 6 Kupang faithful from 2012-2016 is categorized quite healthy because the average score achieved for each aspect obtained is 25.6 where the highest score is 40. The score ranges from 20 ≤ X <30. Based on the results of the above analysis, the suggestion for the manager of KSP SahabatSetia SMAN 6 Kupang is to make improvements in the balance between cash and current liabilities so that there are no idle funds. The cash value can be minimized by providing loans to members, while current liabilities can be increased by attracting members to save at KSP Sahabat Setia SMAN 6. Managers should balance their own capital to loan capital by increasing the loan from outside in order to achieve maximum value. Managers need to increase the acquisition of SHU by optimizing assets and managing their owned capital by maximizing the participation of principal savings, mandatory savings, capitalist saving and cooperative service transactions by members. Keywords: KSP Health Level from Liquidity, Capital, Growth and Independence Aspect
The Influence of Financial Literacy, Financial Technology, and Financial Behavior on the Quality of Financial Management Among Generation Z Tri Suris Lestari; Agatha Helena Deze; Christiana Wahyuningrum
Multidisciplinary Journal of Education , Economic and Culture Vol. 4 No. 2 (2026): September 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/nbz6vj22

Abstract

This study aims to analyze the influence of financial literacy, financial technology, and financial behavior on the quality of financial management among Generation Z. The research uses a quantitative approach with a survey method. Data were collected through structured questionnaires distributed to 80 students at the School of Economics Oemathonis, selected using the Slovin formula. The data were analyzed using multiple linear regression with SPSS. The results show that financial literacy has a positive and significant effect on financial management quality, indicating that higher knowledge improves financial decision-making. Financial technology also has a significant positive influence, suggesting that digital financial tools enhance efficiency and control in managing finances. Furthermore, financial behavior significantly affects financial management quality, meaning that disciplined financial habits lead to better outcomes. Simultaneously, all independent variables contribute significantly to improving financial management quality. These findings highlight the importance of integrating knowledge, technology, and behavior in strengthening financial management among Generation Z.
Co-Authors Agatha Helena Deze Avelina Felsiana Nutri Tri Suris Lestari