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Maya Sari
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Journal : IMAGE

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A Survey of Banks in Ghana's Credit Risk Management Practices Dabi, Rowland Seyram Koku; Nugraha, Nugraha; Disman, Disman; Sari, Maya
Image : Jurnal Riset Manajemen Vol 11, No 1 (2023): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2023.005

Abstract

In recent times, banks and other financial institutions that lend money to customers have placed a high priority on credit risk management. To manage credit risk, banks employ customer evaluation systems, loan size restrictions, credit checks, flexible loan repayment plans, and fines Hence, the present study focuses on  the credit risk management practices used in banks, to identify the internal control measures used in mitigating  credit risk in banks and to examine the challenges faced in implementing credit risk management practices. The Ordinal Logistic Regression(OLR) was used to identify the relationships between the response variables, e.g. management support, credit risk identification, internal control measuers and credit risk management surveys. The independent variables were calculated on an ordered, 5-point Linear scale for the responding participants. In this study,  log lit function was chosen, that demonstrated the model appropriateness. One of the main finding is that in banks, credit management risk is reduced when managers implement and adhere to responsible credit risk management procedures, viable client appraisal credit management system, regular credit checks, flexible credit repayment systems to encourage and improve loan repayment, were highly significant with the respondents’ positive initiative amidst credit risk management practices in banks.
Efek Faktor Moderasi Gender pada Relasi Financial Literacy dan Financial Ignorance terhadap Perilaku Keuangan Sari, Maya; Nurhayati, Netti Siska; Yuliawati, Tia
Image : Jurnal Riset Manajemen Vol 11, No 2 (2023): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2023.015

Abstract

Financial well-being can be achieved through good financial behavior in the short and long term. Within the household group, financial behavior was associated with financial well-being, such as paying bills on time, saving, and investing. Financial literacy is one of the factors that form good financial behavior, on the other hand, financial ignorance leads to bad financial behavior. This study aims to examine the effect of gender moderation on the relationship between financial literacy and financial ignorance on financial behavior in household workers in Kota Bandung, Kabupaten Bandung and Kabupaten Bandung Barat. Primary data was taken through the distribution of google form questionnaires and collected as many as 75 samples. Data were analyzed using Moderated Regression Analysis (MRA). The results show that gender acts as a moderator in the relationship between financial literacy and financial ignorance on financial behavior. The partial test shows that an increase in financial literacy will have an impact on increasing positive financial behavior, on the contrary, an increase in financial ignorance will have an impact on decreasing positive financial behavior among respondents. The results of this study can be continued or developed by the next researcher, by adding several other moderating variables, such as class position, income, ethnicity, and others.
Penerapan Model Markowitz dalam Memperoleh Portofolio Optimal di Pasar Saham IDX30 Ridwanudin, Oce; Sari, Maya
Image : Jurnal Riset Manajemen Vol 11, No 1 (2023): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2023.011

Abstract

Investment in financial market is inextricably linked to risk. The risk cannot be eliminated, but indeed it can be minimized. By using Markowitz model, investor can gain optimal result while taking on acceptable risk. This study intends to examine the findings of optimal portfolio construction using Markowitz model on IDX 30. The method was quantitative descriptive. The population was all companies listed on IDX 30. Then, there were three companies chosen as the sample. The investigation of the three stocks yielded two efficient portfolios. First were the stocks of PT Bank Negara Indonesia, Tbk. and PT Astra International. The second was stocks of PT Bank Negara Indonesia, Tbk. and PT Adaro Energy Indonesia, Tbk.  Each stock provided a return of 1.03 % with the risk level of 7.75%, and 4.4% with the risk level of 8.49%. The conclusion is that by using these two portfolios, investor can get optimal expected returns with the degree of risk comparable to individual equities. Thus, it is suggested for the investor to apply the calculation of Markowitz model on Indonesia Stock Exchange over a longer period than the one used in this study. It is also suggested for them to select the portfolio in accordance to their preferences.
Overconfidence and Herding: How These Biases Affect Generation Z Investments Decision Making Yuliawati, Tia; Nugraha, Nugraha; Sari, Maya; Waspada, Ikaputera; Purnamasari, Imas; Hendrayati, Heny; Muhamat, Amirul Afif
Image : Jurnal Riset Manajemen Vol 12, No 1 (2024): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2024.012

Abstract

The purpose of this study is to understand and analyze the impact of overconfidence bias and herding bias on the investment decisions of Generation Z. This research employs a survey method with a confirmatory approach. Data was collected from a sample of 104 respondents through questionnaires distributed via Google Form. Hypothesis testing was conducted using SEM Analysis with the assistance of SmartPLS 4.0 software. The results of the study indicate that overconfidence bias has a positive and significant influence on the investment decisions of Generation Z, while herding bias does not have a significant influence. Furthermore, this research reveals that the variables of overconfidence bias and herding bias can explain 45.4% of the variation in the investment decisions of Generation Z. However, it is important to acknowledge the limitations of this study, such as the relatively small number of respondents (only 104 respondents) and the absence of comparative analysis with demographic factors of other generational groups (e.g., older generations). This study is expected to provide deeper insights into the investment behavior of Generation Z and serve as a foundation for the development of wiser risk and financial management approaches for this demographic group.
Financial Literacy Among Female Entrepreneurs in Ghana: Evidence from Traditional Markets Ahiase, Godwin; Sari, Maya; Nugraha, Nugraha; Andriana, Denny; Kpodo, Percy Chris; Ampomah, Philipina
Image : Jurnal Riset Manajemen Vol 12, No 1 (2024): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2024.003

Abstract

This study examines the financial behaviour and utilisation of e-finance among female entrepreneurs in traditional marketplaces in Ghana. The researchers collected data from 385 female entrepreneurs using a quantitative research method. The data was collected through a descriptive survey design and analysed using ordinary least squares regression models. The results show significant correlations between e-finance adoption, financial literacy, and financial behaviour. This highlights the importance of financial literacy in enabling women to participate in the market. The study also found that financial literacy had a greater impact on the financial behaviour of younger women, suggesting the need for targeted interventions that leverage technology. Additionally, the study found that the level of education had a significant impact on the adoption of electronic finance. This emphasises the importance of improving digital literacy to bridge the skills divide. Based on these findings, the study suggests the need for tailored financial education programmes and comprehensive initiatives to promote responsible financial practices and the adoption of modern financial technologies by female entrepreneurs in traditional markets.
Percepatan Struktur Modal Perusahaan Sektor Kesehatan Indonesia Bandawaty, Euis; Nugraha, Nugraha; Disman, Disman; Sari, Maya
Image : Jurnal Riset Manajemen Vol 11, No 1 (2023): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2023.008

Abstract

The aim of this research is to determine the influence of profitability, growth opportunities, liquidity, cash flow volatility, earning volatility and the magnitude of the acceleration of the capital structure of health sector companies in Indonesia in 2010-2022. The data analysis used is a dynamic capital structure model with a Partial Adjustment Model (PAM) approach which involves lag variables, determining factors of optimal capital structure and acceleration of capital structure in one equation. PAM model parameter estimation uses GMM with the aim of overcoming the problem of endogeneity. The GMM model test results show consistent, valid and unbiased. So the health sector company data is in accordance with the dynamic capital structure model, which is indicated by the coefficient value of the lag variable of 0.5821 which is smaller than 1 which is significant at an alpha of 0.05. The company's response to returning to an optimal capital structure is shown by an acceleration value (SOA) of 41.79%, with a time period of 1.3 years. Performance factors that have a negative influence on optimal capital structure are growth opportunities, liquidity and earnings volatility. Cash flow volatility has a positive influence. Meanwhile, profitability has no influence on optimal capital structure.
Ghana Local Government Procurement: A Path Towards Fairness, Efficiency and Transparency Awudu, Shaibu; Nugraha, Nugraha; Sari, Maya; Furqon, Chairul; Yuliawati, Ayu Krishna
Image : Jurnal Riset Manajemen Vol 12, No 2 (2024): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image/2024.029

Abstract

The development of fashion trends has undergone major changes performance in Ghana's local government procurement, taking into account government regulations, supplier capacity and capability, procurement transparency, and supplier diversity. The ordinary least squares regression technique was employed to statistically evaluate data from procurement stakeholders. Our research demonstrates that transparent tools enhance supplier satisfaction and performance without affecting perceptions of justice. Conversely, strict government procurement regulations significantly improve perceptions of fairness as well as supplier satisfaction and performance. Supplier capacity and capability disparities adversely affect the results, while diversity programs do not significantly impact either outcome. The results indicate that suppliers are more content and perform better when strict restrictions and transparency mechanisms are in place. However, inadequate execution of diversity policies and competence discrepancies undermine fairness and engagement. This research supports the resource-based view theory, which contends that robust procurement regulations are essential for achieving long-term success. Legislators should prioritize capacity-building programs and diversity initiatives to ensure successful and equitable procurement procedures. This research is distinctive in that it surpasses the conventional compartmentalized approach by conducting a comprehensive and concurrent analysis of a multitude of procurement aspects. This comprehensive approach, which illuminates the interplay between numerous factors, has the potential to enhance public procurement policy and strategy.
Co-Authors ,, Erwansyah Abdul Hamid Abdul Muhaimin Elyusufi Abdul Rozak Achmad Rizki Azhari Ade Gunawan Ade Gunawan Adilla Bahri Lubis, Nur Afdhal Surya Hamid Aghnia Meilana Putri Agus Rahayu Agustian, Aldy Agustin, Roro Rian Agustini, Kamelia Agustinus Ngadiman Ahiase, Godwin Ahmad Afandi Ahmad Sabri Ahmad Sabri Ahmad Saeroji Aidhya Irhash Putra Akma Khairunnisa Al Muna, Nuna Alberto, Japo Alfiana, Rinta Alghifari, Erik Alhadi, Fahmi Ali Hasan Al Bahar Ali Usman, Ali Allenidekania Allenidekania Alwinda Manao Amirah, Eva Ammar, Muflih Ampomah, Philipina Anang Shophan Tornado Anayati, Wan Andriana, Denny Andrieta Shintia Dewi Anita, Apriliawati Antonius Antonius Arfina, Angga Arianto, Tezar Arifin, Adip Arista, Dora Arman Bemby Sinaga Arrum Dwi Wahyuni Asana, Annur Ramadhani Asih Rahayu Ajeng Agesti Askolani Askolani, Askolani Asma Asma Asriani, Elza Astuti, Fitri Diana Asya, Shadrina Aulia Rahman Harahap Awudu, Shaibu Ayu Juni Sihombing Ayu Nurwitasari Azhari, Achmad Rizki Aziz Muradovich, Kayrdinov Aziza Maharani Azti, Tengku Mutiara Baehaqi Bahri, Aisyah Amanda Baihaqqi, Mhd Anggi Baihaqqy, Mochammad Rizaldy Insan Barokah, Tetty Baso Pallawagau Budhi Pamungkas Gautama, Budhi Budiharto, Toto Caesarya, Sesy Cahyaningsih, Desi Cahyaningtyas, Christian Chairul Furqon, Chairul Chandra, Dicky Chatarina Umbul Wahyuni Ciptagustia, Annisa Dabi, Rowland Dabi, Rowland Seyram Koku Dahrani, Dahrani Daviq Chairilsyah Davu Raissa Elazar Dedy dedy dedy, dedy Desi Desi, Desi Destrinelli Destrinelli Desy Tri Anggarini Dewantara, Bachtiar Dian Kurnianingrum, Dian Dibias Lazuardi Maulid Dinda Adela Disman Disman Disman Disman, Disman Diwa Ardhaza Dona Afriyani Dwi Budi Santoso Dyan Eka Tamara Dynaria Siregar, Yetti Edi Suryadi, Edi Edisah Putra Nainggolan Eka Nurmala Sari Eko Prihandono Eli Ratni Elni Fatimah Elviana Elviana, Elviana Elvina Sari Ema Nur Amalia Endah Wahyuni Erika, Friti Sinta Erric Wijaya, Erric Erwan Efendi Ester J. Sitorus, Mido Euis Bandawaty Fachrur Rozi Fajar, Pipih Nurul Fajri, Arinal Fanji Wijaya Fauziah, Sheilla Nurul Febri Nur Salamah Febrimeli, Dwi Febtrina, Rizka Feskaharni Alamsjah Feti Karfiati Memed Fidiana, Fidiana Fikri, Rizal Firman Ganda Manik Fitmawati Fitmawati Fitri Wahyuni, Sri Fuad Muchlis Gaol, Liska Yuni Br Lumban Ghotan Rolandi Ginting, Intan Anisa Gudiato, Candra Gunawan, Fany Gusmaneli Gusmaneli Gusmita Zalianti Habiddin Hairani, Debby Riana Hakiki, Iqbal Hanafi Nasution Handayani, Oktavia Hanif, Faizira Nur Hanifah Yusuf Harahap, Yanti Novita Hardita, Lisha Febrianty Harun, Muhammad Fiqri Hasibuan, Ira Maulida Sari Haugesti Diana Hendra Budiono Henny Herwina Heny Hendrayati HERI SUSANTO Herliani Herliani Heryana, Toni Heskia, Carlo Hidayat, Arman Hilman Firmansyah, Hilman Hilman, Shinta Indriawati Hindriyanto Dwi Purnomo Hukmi Hukmi, Hukmi Husnul Khatimah Ibnu Rawandhy N. Hula Ika Putera Waspada Ikaputera Waspada, Ikaputera Ikaputra Waspada, Ikaputra Ikhsan, Sugiyanto Ikin Solikin Ilaina, Shofy Imas Purnamasari Indriyani Handyastuti Ingsun Kumala Irti Intan Royana Silalahi Irawan, Rini Larasati Irawati Irfani Irawati, Septiria Irfan, Irfan Irfanny, Riza Irvandi, Wandra Irwan Sembiring Isnaniar Itza Mulyani Iwan Kurniawan Iwan Kurniawan Jahidah, Nurul Siti Jalaludin, Engga Januri, Januri Jasmi Jasmi Jaya, Andi Eka Putra Jiye Jin Juanda, Rival Andiga Jufrizen Juju Masunah Julia Famor Pratami Julia Rahmah, Julia Juliana Br Simbolon Juliana br Simbolon br Simbolon Juliana, Nur Julita, Sety Kadewi, Ami Karimaliana, Karimaliana Karo, Tiy Kusmarabbi Karsiwan Karsiwan Kartika Sari, Lia Kasmiruddin " Khairunnas Khamiliyah, Lili Komariah, Elis Kpodo, Percy Chris Krishna Yuliawati, Ayu Kuntum Khaira Kurniadi, Elika Kurniawan, Ahmad Afrideni Kusnanto Kusnanto Kusnendi, Kusnendi Kusumah, Echo Perdana Kusumah, Reni Risnawati Laisya Okta Preyera Laster Jujanwar Bancin Lekettey, Edem Leonardo, Enrico Lesmana, Hendy Lestari, Firda Maulani Lestari, Jayanti Rida Lestari, Nining Puji Lestari, Popy Lestary, Lena Lili Adi Wibowo Lilies N Tangge Lindesi Yanti Lisna, Yusi Yusnita Juwita Livia Fransiska Lubis, Febby Putri Anasya Luckyardi, Senny Lumbatoruan, Astuti Lusha Natasya M. Adrian Patria Erza Nasution M. Arief Ramdhany Mahara, Khairunnisa Mahriyuni Mahriyuni Maimunah R Maimunah R Maimunah, Ai Maini Sitepu, Juli Maisyarah, Rini Mar Atun Saadah Mardhatilla, Mely Mardin, Mardin Maria Angela Siokalang MARIA BINTANG Mariana Mariana Mariati Siregar, Laura Marsia, Marsia Masriani . Masripah, Imas Siti Mathewi, Mathewi Maulana, Yono Maulana Maysarah Nabila Mayta Novaliza Isda Mega Yusdian Puteri Mia Adilla Mira Mira , Mira Mira Mira MMSI Irfan ,S. Kom Mochammad Imron Awalludin Moh. Yuddy Yudawirawan Mughni, Gilman Muh. Fahrudin Alawi Muhamat, Amirul Afif Muhammad Afif Muhammad Andi Prayogi Muhammad Baihaqki Muhammad Basyir Muhammad Firza Alpi, Muhammad Firza Muhammad Idris Muhammad Irfan Nasution Muhammad Luthfi Muhammad Nadjib, Muhammad Muhammad Nur Kholis Muhammad Nur Kholis Muhammad Ridho Muhammad Shareza Hafiz Muhammad Sofwan Muhammad Syahrizal MUHAMMAD YUSUF Muhammad, Saiful Muhyarsyah, Muhyarsyah Munaya Fauziah Muntholib Muriati, Dewi Sri Mursyidin Muslih Muslih Muslima Muslima, Muslima Mutata Uwi’ah Nababan, Donal Nadeak, Thomas Nadia Putri Nadira Nurul Fathiyah Nasution, Affrina Nasution, Alamsyah Nasyalia, Cut Natasya, Lusha Natonis, Rolfi Nengsih, Luluk Wahyu Nery Sofiyanti Netti Siska Nurhayati Ngadimin Ngadimin Niken ananda Nirzalin Nopiazinda, Adelia Nopita Yanti Sitorus Nopitasari, Nopitasari Novel Ersa Ilfada, Dwi Novi Anggelia Tratama Noviani, Doris Novien Rialdy Novitry, Viony Nugraha Nugraha , Nugraha Nugraha Nugraha Nugraha Nugraha Nugraha, H. Nugraha, N Nugroho, Very Sapto Nur Afifah Harahap Nuranti Rumela Sirait Nurbani, Tri Nurcahyo, Azriel Christian Nurlinda, Andika Nurmala, Eka Nurohmah, Endah Nursayuti, Nursayuti Nurul Ilmi, Nurul Nuryadin, Rully Nyimas Heny Purwati Oce Ridwanudin Olieviani, Marisa Onsardi, Onsardi Osep Yasier Almunsiri P, Noviyanti P, Noviyanti. Panab, Fridon D. Pardede, Rachel Christa Masniari Pawitra, Mohammad Tyas Perdana, Yoga Pohan, Mukmin Pranata, Syafroni Pratama, Siswa Pri Agung Danarahmanto Prihadi, M Dana Primawita Oktarima Puji Lestari, Sri Purnawati, Tri Purwandari, Istiti Purwati, Nyimas Heny Puspo Dewi Dirgantari Puteri, Mega Yusdian Putra Santoso Putri Lilis Dyani PUTRI WULANDARI Rachmadi, Moch Faizal Raden Mohamad Herdian Bhakti Radiman Radiman Radiman Rahayu, Sri Ulfa Rahma Siska Utari Rahmayati Rahmayati, Rahmayati Rahmi Safitri, Rahmi Rakhmaji, Iqbal Rakhman, Ani Rakhmanita Ramadhan, Nanda Ramadhani, Indi Ramadhaniyah, Mona Rambe, Rizkina Ramadhani Ramdhonah, Zahra Rapida Saragih Rasdiana, Rasdiana Rasyidah Ratna Gumilang, Risa Ratri Harida Ratu Dinny Fauziah Renhoran, Farida Rennyta Yusiana Resti Indriarti Retno Wahyuningrum Rifani, Putri Ardila Rifda Afifah Rifki Hafas, Hafriz Rikawati Ginting Munthe Rinta Alfiana Ririn Ariyanti, Ririn Risdalina Risnati Malinda riswanto riswanto Rizki Anugrah, Rizki Rizki Yunanda Robert Sinaga Rofi Rofaida Rohan Ghaffaruddin, Muhammad rohmawati Rohmawati, Wahidah Roida Ervina Sinaga Rony, Zahara Tussoleha Rosadi, Asep Rosina Sitohang Rostina Sundayana RR. Ella Evrita Hestiandari Ruliandari, Latifa Rulli Hidayatullah S, Rizki Eka SA, Erik Sabinus Beni SABRINA, ELSA Safina, Nila Sahra, Maidina Sahureka, Marthine Salamah, Febri Nur Salfarini, Eligia Monixa Sandrina Dwi Melany Saputra, Yoerdy Agusmal Saputri, Diska Ayu Sara Wandari Saragih, Aji Fadillah Sarbaini Sarbaini Sari, Denny Novita Mayang sari, Mutia Satari, Karmelita Satyadharma, Maudhy Sayono Senny Luckyardi Sentot Purboseno Setiawati, Dewi Nur Shafira, Aliya Shafitri, Novia Mahera Sherlyna Puasari Shofy Ilaina Simatupang, Frido Sarita Siolimbona, Indra Siregar, Ayu Irmayana Siregar, Marlina Siti Hawa Siti Kurniasih Siti Mujiatun Siti Rahayu Situmorang, Menara Wati Siwi Istiana Dinarti, Siwi Istiana Sobana , Dadang Husen Solihat, Deti Farida SORAYA, RATNA Sri Fitri Wahyuni Sri Puji Lestari SRI RAHAYU Sri Utami Widyaningrum Sriana Dewi Stefanus Laga Tukan Sua Betria Dhani Sugianto, Helena Anggraeni (Reni) Tjondro Sugiyono . Suhono Suhono, Suhono Sukma Lesmana, Sukma Sulistiawati, Reni Sumari Sumari Suryadi, Yopi Susanti Susanti Susiyanti Susiyanti Suwarno Swandi, Monica Kharisma Syafiqo, Syafira Auliani Syafitri, Yenni Syafrida Hani Syah, Razha Jamsik Syahputra, Fahmy Syaiful Amri Syamsiati . Talis, Nikodemus Thomas, Shanti Tia Yuliawati Tika Arwinda Tinjung Desy Nursanti Tita Maulidya Titin Supriatin TITIN SUPRIATIN, TITIN Titin Sutini, Titin Toni Wandra Tri Wulandari Triyono Adi Tristanto Ulfa Nurullita Utama, Wahyudayanto Utami, Nyda Utin Desy Susiaty Uwi’ah, Mutata Valina Julia Cahyani Vanessa Gaffar Veithzal Rivai Zainal Vemy Suci Asih, Vemy Suci Wahyuni, Agus Wakhyuni, Emi Waluyanti, Fajar T Wardah Iskandar Wartini, Tini Waspada, Ika Putera Wazdi, Babay Parid Wellyalina, Wellyalina Widia Astuti Widia Astuty Widodo, Melly Andani Widya Sastika Willma Fauzzia Wimpi Siski Pirari Winanda, Yola Wiwik Norlita Yani Nurhayani Yanti, Pitri Yasir Maulana Yayat Supriyatna Yeremia Niaga Atlantika Yoga Pratama Yono Maulana Maulana Yukans, Septy Sari Yulandri, Elsa Yuliana , Yuliana Yuni Listiarini Yunika Afryaningsih Yusi Nurmalasari Zainol, Fakhrul Anwar Zakiah Zakiah Zalianti, Gusmita Zein, Jus Yuly Evi Zein Zulia Hanum