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The THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL ATTITUDE, AND INCOME ON FINANCIAL MANAGEMENT BEHAVIOR AMONG MSME ACTORS IN SIDOWUNGU VILLAGE, GRESIK REGENCY Fitriana, Divany Ade; Takarini, Nurjanti
Management Science Research Journal Vol. 4 No. 4 (2025): November 2025
Publisher : PT Larva Wijaya Penerbit

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56548/msr.v4i4.181

Abstract

Financial management behavior is an individual's ability to manage, which includes planning, budgeting, auditing, controlling, managing, sourcing, and storing daily financial funds. This study aims to analyze the influence of financial literacy, financial attitude, and income on financial management behavior among Micro, Small, and Medium Enterprises (MSMEs) actors in Sidowungu Village, Gresik Regency. This research uses a quantitative approach; the population in this study consists of MSME actors in Sidowungu Village, Gresik Regency. The sample used in this study consisted of 80 respondents, determined using a non-probability sampling technique with a saturated sampling method. Data were collected through questionnaire distribution and analyzed using Structural Equation Modeling (SEM) with the assistance of Partial Least Squares (PLS). Research results indicate that financial literacy, financial attitude, and income affect the financial management behavior of SMEs. There is a relationship where higher financial literacy, positive financial attitudes, and more stable income tend to lead to more orderly cash flow management, transaction recording, and effective financial planning.
Analysis Of The Influence Of Social Media Influencers, Herding Bias, Information Quality On Student Invesment Decisions UPN ‘Veteran’ East Java Mediated By Fear Of Missing Out (FOMO) Winda Amalia Sari; Takarini, Nurjanti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol. 9 No. 2 (2025): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.86

Abstract

This study examines the effects of social media influencers, herding bias, and information quality on the investment decisions of 119 UPN Veteran East Java students, with FOMO as a mediator. Using PLS-SEM analysis via SmartPLS, results show that herding bias (β = 0,002, p < 0.05) and information quality (β = 0,001, p < 0.05) directly influence investment decisions, while social media influencers affect decisions indirectly through FOMO (β = 0,331, p < 0.05). FOMO significantly mediates the relationship between these factors and investment behavior, highlighting the key role of social and psychological influences in students’ digital investment choices.
Pengaruh Profitabilitas, Leverage, dan Earning Per Share (EPS) terhadap Harga Saham Perusahaan Sektor Teknologi yang Terdaftar di BEI Firansiska Sukirno, Adelia; Takarini, Nurjanti
Jurnal Riset Pendidikan Ekonomi Vol. 10 No. 2 (2025): OKTOBER 2025
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jrpe.v10i2.12386

Abstract

This study aims to examine the influence of profitability, leverage, and Earning Per Share (EPS) on stock prices within an industry. The ratios used as independent variables are Return On Asset (ROA), Debt to Equity Ratio (DER), and EPS (market ratio), while the dependent variable is stock price. The research focuses on companies in the technology sector that actively trade shares and are listed on the Indonesia Stock Exchange (IDX) during the period from 2019 to 2021. The data collection method used is purposive sampling with a quantitative approach employing multiple linear regression analysis using SPSS version 23. Based on the results of the analysis, It was found that the variables profitability and leverage did not contribute to the stock prices of technology sector companies. Meanwhile, EPS contributed to the stock prices of technology companies listed on the Indonesia Stock Exchange (IDX).
Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Financial Technology Terhadap Minat Investasi Generasi Z Kabupaten Sidoarjo Okvily, Ihcya; Takarini, Nurjanti
BRILIANT: Jurnal Riset dan Konseptual Vol 10 No 4 (2025): Volume 10 Nomor 4, November 2025
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/briliant.v10i4.2053

Abstract

Investment is crucial not only for ensuring financial independence in the future but also for protecting asset value against inflation. However, public interest in investment in Indonesia remains low, despite its potential to support the growth and stability of the capital market. This study aims to identify factors influencing investment interest, focusing on the roles of financial technology, financial inclusion, and financial literacy. The study's population consists of Generation Z members residing in Sidoarjo, with a sample of 100 respondents selected purposively using the Slovin formula. Primary data was collected through surveys, and analysis was conducted using SmartPLS. The results show that financial technology, financial inclusion, and financial literacy have a positive impact on investment interest. These findings suggest that increasing access to financial services, such as Investment Galleries and stock account openings, can enhance Generation Z’s interest in investing. Therefore, improving access and financial education could be key in encouraging more people, especially the younger generation, to participate in the capital market. The implications of this study highlight the need for policymakers and financial institutions to design targeted programs that strengthen financial awareness and accessibility for young investors.
Financial Ratio Analysis to Predict Profit Changes in Transportation Companies Listed on the Indonesia Stock Exchange (IDX) Husien, Fadhel; Takarini, Nurjanti
International Journal of Economics (IJEC) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i2.1652

Abstract

During the 2019-2021 period, the world experienced a crisis due to the COVID-19 pandemic, which had a significant impact on various economic sectors, including transportation. Interestingly, this sector showed a contrasting trend, where social restrictions reduced community mobility activities but at the same time increased parcel delivery volumes due to the growth of online services. This study aims to evaluate the ability of changes in financial ratios—covering liquidity, profitability, leverage, activity, and market ratios—to predict earnings changes in 38 transportation companies listed on the Indonesian Stock Exchange during that period. Data analysis was performed using SPSS through a logistic regression method to assess the probability of the influence of each ratio on earnings changes. The results show that changes in liquidity, profitability, leverage, and activity ratios affect earnings changes, whereas changes in market ratios show no effect. These findings indicate that most fundamental ratios can serve as relevant indicators in predicting changes in the earnings performance of transportation companies during a crisis
PERILAKU KEUANGAN GENERASI Z PENGGUNA M-BANKING BCA DI SURABAYA: PENGARUH LITERASI KEUANGAN, GAYA HIDUP, LOCUS OF CONTROL, DAN FINTECH SEBAGAI MODERASI Tantra, Naufal Afif Dwinka; Takarini, Nurjanti
MANAJEMEN DEWANTARA Vol 9 No 3 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i3.20966

Abstract

The rapid growth of financial technology has made financial activities more practical yet it has also heightened the risk of consumptive behavior among Generation Z due to limited financial literacy and self-control. 147 Generation Z BCA Mobile customers in Surabaya provided primary data for this study, which uses a quantitative methodology. Purposive sampling was used to choose respondents based on predetermined standards. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) was used to analyze the data. The findings show the benefical impact of financial literacy and locus of control, while lifestyle has a considerable detrimental impact on financial behavior. Furthermore, financial technology amplifies the influence of locus of control on financial behavior, diminishes the impact of financial literacy, and is unable to mitigate the influence of lifestyle on financial conduct