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All Journal Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Economic, Bussines and Accounting (COSTING) Jurnal Organisasi Dan Manajemen NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) JURNAL MANAJEMEN Journal of Global Business and Management Review Prosiding National Conference for Community Service Project Management Studies and Entrepreneurship Journal (MSEJ) JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Jurnal Cakrawala Ilmiah
Yulfiswandi Yulfiswandi
Universitas Internasional Batam
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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IDENTIFYING FINANCIAL MANAGEMENT BEHAVIOR IN MILLENIAL GENERATION Novia Junita; Robin Robin; Yulfiswandi Yulfiswandi
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 7, No 2 (2021): Vol 7, No. 2 (2021)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.035 KB) | DOI: 10.34203/jimfe.v7i2.3881

Abstract

ABSTRACTThis study aims to examine the effect of financial knowledge, financial attitudes, financial socialization, locus of control on financial management behavior. The research sample is the millennial generation in Batam City which was selected by purposive sampling method who were born in 1984–1999. Research data were collected by questionnaire. The data were analyzed using normality, validity, heteroscedasticity, and t and F tests. The results of this study concluded that financial knowledge, financial attitudes, primary agents of financial socialization, secondary agents of financial socialization, childhood consumer experiences had a significant positive effect on financial management behavior, while other variables are not significant. The managerial implications are doing financial planning, building a saving pattern, having a sense of responsibility, and setting financial goals. Parents are expected to provide financial concepts since childhood, build the habit of saving since childhood by giving pocket money and teach how to allocate money. ABSTRAKPenelitian ini bertujuan untuk meneliti pengaruh pengetahuan keuangan, sikap keuangan, sosialisasi keuangan, locus of control terhadap perilaku pengelolaan keuangan. Sampel penelitian adalah generasi milenial di Kota Batam yang dipilih dengan metode purposive sampling yang lahir pada tahun 1984–1999. Data penelitian dikumpulkan dengan kuesioner. Data dianalisis menggunakan uji normalitas, validitas, heteroskedesitas, dan uji t dan F. Hasil penelitian ini menyimpulkan bahwa pengetahuan keuangan, sikap keuangan, agen primer sosialisasi keuangan, agen sekunder sosialisasi keuangan, pengalaman konsumen masa kecil berpengaruh signifikan positif terhadap perilaku pengelolaan keuangan, sedangkan variabel lainnya tidak signfikan. Implikasi manajerial adalah melakukan perencanaan keuangan, membangun pola menabung, memiliki rasa tanggung jawab, dan menetapkan tujuan keuangan. Orang tua diharapkan memberikan konsep keuangan sejak kecil, membangun kebiasaan menabung sejak kecil dengan memberikan uang saku dan mengajarkan cara mengalokasikan uang.
Property investment decision in Batam City Yulfiswandi Yulfiswandi; Elissa Jocelynn; Robin Robin
FORUM EKONOMI Vol 24, No 2 (2022)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29264/jfor.v24i2.10753

Abstract

The aim of this research is to find out factors affecting property investment decision in Batam. Investment decision is defined as how a person decides on investment to select the right alternative and type of business. The independent variables in this study are accounting information, self-image/firm-image coincidence, neutral information, advocate recommendations, and personal financial need. The object of this study is property investors in Batam. This study distributed 300 questionnaires and selected 250 questionnaires to be processed/analyzed. The results show that accounting information does not significantly affect the investment decision, meanwhile self-image/firm-image coincidence, neutral information, advocate recommendations, and personal financial need significantly affect investment decision in Batam.
KEYS TO FINANCIAL PLANNING: EFFECTS OF FINANCIAL LITERACY DURING COVID-19 Yulfiswandi Yulfiswandi; Justyanita Justyanita; Sephia Septiana; Estina Sativa; Muhammad Saprudin
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol 7, No 2 (2022): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jpim.v7i2.1069

Abstract

This study determines the role of financial planning in the Covid-19 era and the influence of financial literacy, financial knowledge, social demographics, and lifestyle during the Covid-19 pandemic. The research method used in this research is a conceptual paper with a literature review approach. The role of variables has a tremendous influence on financial planning where with this knowledge, it is possible to awaken individuals to behave well in financial matters. Covid-19 has a positive impact on financial planning because it can increase awareness of the importance of financial planning to make wise decisions and not behave consumptively. The better a person's behavior in managing his financial planning, the better his financial planning in the future.
Perlindungan Hak Asasi Manusia Renza Fahlevi; Yulfiswandi Yulfiswandi; Elvina Syahara; Hardi Suandri; Leven Dickson; Ricky Ricky; Silvia Salim; Yessa Natasha
National Conference for Community Service Project (NaCosPro) Vol 4 No 1 (2022): The 4th National Conference of Community Service Project 2022
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/nacospro.v4i1.6957

Abstract

Manusia sering melakukan perbuatan-perbuatan yang melanggar hukum yang sudah ditetapkan dalam kehidupan sehari-hari bisa disebut juga pelanggaran Hak Asasi Manusia atau HAM. Pelanggaran HAM sering terjadi dimana-mana dan tidak dapat dihindari, contohnya adalah diskriminasi atau perbudakan yang dilakukan secara sistematis, penganiayaan, pencemaran nama baik hingga penghilangan nyawa seseorang. Mahasiswa Universitas Internasional Batam (UIB) telah bekerjasama dengan pihak mitra yakni Sekolah Menengah Kejuruan (SMK) Sekolah Harapan Utama (SHU) dalam melaksanaan program pengabdian dengan memberikan edukasi tentang dasar-dasar HAM kepada siswa SMK yang ada di SMKS Harapan Utama. Program pengabdian yang dilaksanakan mengambil topik cerdas cermat yang berjudul “Perlindungan Terhadap Hak Asasi Manusia” terhadap SMKS Harapan Utama. Metode yang digunakan dalam pelaksanaan kegiatan tersebut adalah berbentuk cerdas cermat dimana tim pengabdian akan menyampaikan beberapa topik berupa materi yang disampaikan dalam bentuk presentasi dan dijelaskan secara saksama oleh anggota tim pengabdian. Tujuan diberikan pemahaman materi terhadap siswa SMKS Harapan Utama adalah untuk mendapatkan pengetahuan atau pendidikan bagi orang-orang yang mengikuti maupun yang mendengarkan. Cerdas cermat juga merupakan salah satu cara dalam meningkatkan semangat belajar siswa karena dapat merangsang reaksi atau minat belajar siswa. Tujuan lainnya ialah untuk menyakinkan generasi muda sekarang terhadap pentingnya Hak Asasi Manusia atau HAM di kehidupan masing-masing. Hal tersebut dapat mendidik mereka menjadi generasi muda yang bertanggung jawab sehingga dapat memberikan dampak positif bagi bangsa dan negara. Oleh karena itu besar harapan kami dari tim pengabdian adalah kami dapat memberikan manfaat yang berguna khususnya dalam perlindungan terhadap Hak Asasi Manusia atau HAM.
Female Board Independency in Corporate Governance and Firm Performance Sephia Septiana; Robin Robin; Yulfiswandi Yulfiswandi
Jurnal Organisasi dan Manajemen Vol. 18 No. 2 (2022)
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/jom.v18i2.3278.2022

Abstract

Purpose  – This research examines female board independence and influence on company performance. The concept of female leaders in work should be discussed since gender inequality assumes that they are considered not socially accepted, have a non-business background, and are appointed due to nepotism. Methodology – The research uses a quantitative approach - research data from companies listed on the Indonesia Stock Exchange in the KOMPAS100 index from August 2021 to January 2022. The data was collected from the company’s financial reports from 2014 to 2020. Findings – It was found that both Tobin’s Q and ROA were significantly negative for female board independency. It reduces the effectiveness of a company’s profitability. Females are considered incompetent since they were appointed for family ties and not based on skills or qualifications. The robustness test reveals that the female board independence dummy test with Tobin’s Q and ROA is considerably negative. Furthermore, female board members do not affect the company’s success or ability to persuade investors. Originality – Females are discouraged from serving as independent members to avoid harmful performance impacts. Therefore, the idea of considering them as members of the board of independence should be discouraged, as it will affect the opinions of investors.
PERAN MANAJER TERHADAP KINERJA KEUANGAN PADA BANK RAKYAT INDONESIA TBK Siti Rohani; Yulfiswandi Yulfiswandi; Herman Eka Putra; Herliyanti Sanjaya
Journal of Global Business and Management Review Vol 4 No 2 (2022): Journal of Global Business and Management Review
Publisher : Program Sarjana Manajemen Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/jgbmr.v4i2.7318

Abstract

The research we conducted to analyze the role of managers in improving financial performance at PT. Bank Rakyat Indonesia Tbk. in 2017 to 2021. The population in this study is PT. Bank Rakyat Indonesia Tbk. The research method used is documents and literature. To measure financial performance here, researchers use ratio calculations, namely ROA (Return On Assets), ROE (Return On Equity), NIM (Net Interest Margin), BOPO. To find out the ROA (Return On Assets) ratio, net profit after tax and income is required. As for calculating the ROE (Return On Equity) net profit ratio needed after interest and taxes and capital. And for NIM (Net Interest Margin) the ratio requires total net profit after tax and income, while BOPO (Operating Expenses against Operating Income) requires operational and operating income. The results showed that the percentage ratio ROA (Return On Assets) 1.16% -2.50%, ROE (Return On Equity) 8.13% -17.5%, NIM (Net Interest Margin) 9.31% -11 .47%, BOPO (Operating Expenses to Operating Income) 52.66% - 72.13%.
ANALISIS SWOT PADA PERUSAHAAN MULTINASIONAL KENTUCKY FRIED CHICKEN (KFC) Yulfiswandi Yulfiswandi; Benwanto Ardiyano; Gelasia Gwyneth; Supriyadi Arifin
Jurnal Cakrawala Ilmiah Vol. 2 No. 5: Januari 2023
Publisher : Bajang Institute

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

Abstract

This research was conducted because it has the aim of understanding and knowing the implementation techniques in the KFC (Kentucky Fried Chicken) company strategy. The research was conducted using the SWOT analysis method, with the aim of knowing the four elements, namely strengths, weaknesses, opportunities and threats that exist in PT Fast Food Indonesia. Data collection techniques are used to show the advantages and disadvantages of KFC companies. And the results show that the advantages outweigh the disadvantages. This means that the management of the KFC company has implemented the right strategy in running the business. This of course must be maintained and continuously improved by the management so that this company can still compete with new companies in the same field.
Property investment decision in Batam City Yulfiswandi Yulfiswandi; Elissa Jocelynn; Robin Robin
FORUM EKONOMI Vol 24, No 2 (2022): April
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jfor.v24i2.10753

Abstract

The aim of this research is to find out factors affecting property investment decision in Batam. Investment decision is defined as how a person decides on investment to select the right alternative and type of business. The independent variables in this study are accounting information, self-image/firm-image coincidence, neutral information, advocate recommendations, and personal financial need. The object of this study is property investors in Batam. This study distributed 300 questionnaires and selected 250 questionnaires to be processed/analyzed. The results show that accounting information does not significantly affect the investment decision, meanwhile self-image/firm-image coincidence, neutral information, advocate recommendations, and personal financial need significantly affect investment decision in Batam.
Peluang Investasi Emas Jangka Panjang Melalui Produk Cicil Emas BSI Johny Budiman; Yulfiswandi Yulfiswandi; Florentina Jasmine; Kelvin Kelvin; Lovis Vernando
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 7 No 1 (2023): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v7i1.7502

Abstract

Indonesia's Islamic finance in recent years has shown a positive increase, supported by the majority of people who are Muslims so as to encourage the progress of the sharia industry, including sharia banking. One of the Islamic banking services is gold installment, which has become an investment choice during COVID-19 period. due to the relatively stable value of gold so as to avoid fluctuating rupiah values. This study aims to analyze the reasons investors make the decision to invest in gold installments in Islamic banks. The research was conducted using a qualitative method to produce a descriptive picture for the research. Data was collected using purposive sampling method through interviews with 3 sources from customers and management of Bank Syariah Indonesia. The results of the study show that service is one of the reasons for investing in gold installments. Easy, flexible procedures and a professional code of ethics make it comfortable for customers to invest. Another reason for investing in gold installments is product promotion, social influence from the people around who can determine decision making and personal goals of each individual.
PENTINGNYA PERENCANAAN DAN PENGELOLAAN KEUANGAN UNTUK MASA DEPAN Yulfiswandi Yulfiswandi; Celine Kho; Cindy Valentina; Michelle Angel Lim; Jenny Jenny; Angeline Aurellia
NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Vol 10, No 4 (2023): NUSANTARA : JURNAL ILMU PENGETAHUAN SOSIAL
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jips.v10i4.2023.1908-1914

Abstract

Perencanaan keuangan merupakan salah satu faktor penting dalam kehidupan. Hal ini karena dapat membantu kita untuk tetap disiplin berada dalam target dan tujuan yang telah ditetapkan. Melalui perencanaan keuangan, seseorang dapat memahami lebih baik keuangannya melalui tujuan keuangan yang terukur serta dampak dari keputusan yang diambil. Metode yang digunakan untuk melakukan penelitian ini berupa penelitian kualitatif deskriptif dengan menggunakan proses mengamati dan menganalisa berbagai keadaan. Tanpa perencanaan keuangan yang baik seorang individu dapat memperoleh kebiasaan buruk yang sangat konsumtif tanpa memikirkan pemasukan yang diterima yang pada akhirnya biaya pengeluaran yang dikeluarkan akan melebihi pemasukan sehingga membuat individu tersebut akan kesusahan dalam segi ekonominya.
Co-Authors Alexander Janio Wijaya Aliandrina, Dessy Angeline Aurellia Benwanto Ardiyano Celine Kho Cindy Valentina Delfina Delfina Dewi Kurniawaty Elissa Jocelynn Elvina Syahara Estina Sativa Fionna Quinn Florentina Jasmine Gelasia Gwyneth Hardi Suandri Hardy Winata Lie Herliyanti Sanjaya Herman Eka Putra Indah Mawarni Irvan Kurniawan Irvin Ng Jenny Jenny Johny Budiman Justyanita Justyanita Kelvin Kelvin Laiden Ellebin Purba Leven Dickson Lovis Vernando M.Aidil Basri Maidan Setiawati Michelle Angel Lim Miftahul Jannah Muhammad Rivaldy Hisham Muhammad Rizky Wahyudi Muhammad Saprudin Novia Junita Renza Fahlevi Ricky Ricky Robin Robin Sephia Septiana Silvia Salim Siti Rohani Supriyadi Arifin Yessa Natasha Yovita Yolanda Budiman Yudhistira Yudhistira