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Internal and External Factors that Influence Non-Performing Financing in Sharia Commercial Banks Anindita, Kurniasih Setya; Tubastuvi, Naelati; Purwidianti, Wida; Kharismasyah, Alfato Yusnar
Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Vol. 3 No. 1 (2024): May 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jambak.v3i1.7857

Abstract

Problematic financing is reflected in Non-Performing Financing (NPF) because NPF is a parameter that can determine whether there is risky financing in Islamic banking. This research aims to determine the impact of Capital Adequacy Ratio (CAR), Operating Expenses and Operating Income (BOPO), inflation, and Bank Indonesia (BI) rates on Non-Performing Financing (NPF) in Sharia Commercial Banks in Indonesia. The data in this research uses secondary data. The population used is Sharia Commercial Banks registered with the Financial Services Authority (FSA) in 2018-2022. The sample used is the published report for the 2018-2022 quarter I-IV period. The research results show that BOPO has a positive and significant impact on NPF. Meanwhile, CAR, inflation, and BI rates have no significant impact on NPF.
The Effect of Profitability, Growth Opportunity and Capital Structure on Firm Value with Good Corporate Governance as Moderation Rahmawati, Meyssy Trisa; Rahmawati, Ika Yustina; Tubastuvi, Naelati; Alfalisyado, Alfalisyado
Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Vol. 3 No. 2 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jambak.v3i2.10821

Abstract

The business world is growing. The birth of small and large companies has become a common phenomenon. This study was conducted with the aim of testing income, growth opportunities and capital structures on the value of haha and with good corporate governance as moderation variables. Research in quantitative research terms. The population used is the primary consumer goods sector company listed on the Indonesia Stock Exchange for the period 2019-2022. The analysis method used is data panel regression and processing using Eviews software version 10. Research results show that profitability affects corporate value. However, growth opportunities and capital structures do not improve the value of the company. Good Corporate Governance is unable to accelerate profitability, growth opportunities and capital structure to corporate value.
The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia Purwidianti, Wida; Tubastuvi, Naelati
JDM (Jurnal Dinamika Manajemen) Vol 10, No 1 (2019): March 2019
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v10i1.16937

Abstract

The aim of this study is to examine the effect of financial literacy and financial experience on SMEs financial behavior in Indonesia.The dependent variable is financial behavior while independent variables are financial literacy and financial experience. There are four control variables used, namely company size, business length, age and education level of SME owner. The respondent sample is 42 owners of SMEs in Purwokerto Selatan. This study used multiple regression analysis. The results showed that financial literacy has no effect on financial behavior. Financial experience has a positive effect on financial behavior. While among four control variables, only company size has a significant negative effect on financial behavior. Three control variables have no significant effect on financial behavior. The implication of this study, SME owners have good financial experience will increase financial behavior. Therefore, it is very important to improve the financial experience of SME owners
ANALISIS PENGARUH RISK PERCEPTION, RISK TOLERANCE, OVERCONFIDENCE, DAN LOSS AVERSION TERHADAP KEPUTUSAN INVESTASI GENERASI MILIENIAL Tubastuvi, Naelati; Azzahara, Cantik Tiara Maharani; Purwidianti, Wida; Bagis, Fatmah
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 11, No 1 (2024): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v11i1.5334

Abstract

This study aims to determine the factors that influence investment decision making for millenial generation in Cilacap, Central Java. The research use quantitive method with primary data collected by distributing questionnarires. The millenial generation in Cilacap is the population in this study with sample used is 101 respondents. Data was analyzed using IBM SPSS Statistics 20. The result show that Risk perception and loss aversion influences the investment decision of the millenial generation in Cilacap. This means that the higher person perception of risk and loss aversion, the more careful the person will tend to be in making investment decision. Meanwhile, risk tolerance and overconfidence does not influence the investment decision of the millenial generation in Cilacap
Peran Locus of Control Sebagai Variabel Intervening dalam Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Perilakui Pengelolaan Keuangan pada UMKM Islami, Adelia Wahyu; Rahmawati, Ika Yustina; Tubastuvi, Naelati; Haryanto, Totok
J-MAS (Jurnal Manajemen dan Sains) Vol 9, No 1 (2024): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v9i1.1612

Abstract

This research aims to examine the influence of financial knowledge, financial attitudes, and locus of control as intervening variables on UMKM in the Purwokerto area. The method used in sampling was probability sampling and the number of samples in this study was 100 respondents. Data analysis in this research uses the classical assumption test, multiple linear regression (t test), coefficient of determination and path analysis. The research results show that financial knowledge and financial attitudes directly have a positive and significant effect on locus of control. Financial attitude has a positive and significant effect on financial management behavior, while financial knowledge and locus of control have no effect on financial management behavior. Locus of control is not able to mediate the influence of financial knowledge on financial management behavior and locus of control is able to mediate the influence of financial attitudes on financial management behavior.
Pengaruh Modal Sendiri, Total Aset, Volume Usaha, Jumlah Anggota dan Modal Luar terhadap Sisa Hasil Usaha Koperasi Simpan Pinjam Pratama, Andika Canggah; Tubastuvi, Naelati; Rahmawati, Ika Yustina; Kharismasyah, Alfato Yusnar
J-MAS (Jurnal Manajemen dan Sains) Vol 9, No 1 (2024): April
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v9i1.1695

Abstract

This research aims to determine the influence of own capital, total assets, business volume, members and outside capital on the remaining business results in Savings and Loans Cooperatives. Sampling in this research used a purposive sampling method by analyzing 32 cooperatives from 83 Savings and Loans Cooperatives in Banyumas Regency from 2019-2022. Data analysis was carried out using the multiple linear regression method. The results of this research show that the variables of own capital, business volume, have a positive and significant effect on the remaining business results, while the variables total assets, members, external capital do not have a significant effect on the remaining business results. The research results showethat own capital is a variable that has a relatively large influence on the remaining business results, so it is best for savings and loan cooperatives to maintain the condition of their own capital structure, and try to develop their members so that members increase the amount of principal savings and mandatory savings, so that they can increase their own capital.
Pengaruh Brand Awareness, Asosiasi Merek, Persepsi Kualitas dan Persepsi Harga Terhadap Keputusan Pembelian Kosmetik Wardah.: - Farah Almas Fadilah; Arini Hidayah; Naelati Tubastuvi; Totok Haryanto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i10.2990

Abstract

This research aims to investigate the impact of Brand Awareness, Brand Association, Perceived Quality and Perceived Price on Wardah cosmetic purchasing decisions among the general public in Purwokerto, using non-probability sampling techniques and involving 124 respondents.  The research variables include four independent variables, namely the influence of Brand Awareness, Brand Association, Perceived Quality, Perceived Price Qualityice one dependent variable, namely purchasing decisions.  The method used in this research is quantitative research and distributing questionnaires to representative respondents, namely respondents who have used Wardah products and live in Purwokerto.  This questionnaire technique uses a Likert scale and distributes the questionnaire online via Google Form.  Because the population in this study is unknown.  In this research, determining the sample size refers to Roscoe's research.  The research method used is multiple linear regression analysis, with data processing carried out using IBM SPSS 26 Statistics. The research results show that Brand Awareness and Perceived Price have a positive influence on purchasing decisions, while Brand Association and Perceived Price have a negative influence on purchasing decisions.
Optimization of Islamic Bank Profitability: Overview of Capital, Liquidity, Operational Efficiency and Problem Financing Afri Cahyani, Ikah; Tubastuvi, Naelati
BALANCE: Economic, Business, Management and Accounting Journal Vol 21 No 2 (2024): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v21i2.23218

Abstract

This research aims to look at the influence of capital, liquidity, operational efficiency and problematic financing on profitability. The sample selection used a purposive sampling method where the sample size was obtained from 13 sharia banks in Indonesia during the 2018-2022 period, by analyzing quarterly sharia banking financial reports. The analysis used in this research is multiple linear regression analysis using SPSS 25. The result show that partially operating expenses operating income (BOPO) have a negative and significant effect on return on asset (ROA), where Islamic banking needs to increase efficiency or reduse operational costs to increase profitability. then Capital Adequacy Ratio (CAR), financing to deposit ratio (FDR), and non performing financing (NPF) do not have a significant effect on ROA. It can be concluded that operational efficiency has an effect on profitability while capital, liquidity, and problematic financing have no effect on profitability.
Financial Management Behavior: the Influence of Financial Knowledge, Financial Attitude, and Financial Literacy Mediated by Locus of Control Damayanti, Dika; Tubastuvi, Naelati; Purwidianti, Wida; Aryoko, Yudhistira Pradhipta
Indonesian Journal of Business Analytics Vol. 3 No. 6 (2023): December 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v3i6.6907

Abstract

The purpose of this study is to identify the effect financial knowledge, financial attitude and financial literacy towards financial management behavior mediated by locus of control. This research used SmartPLS statistical analysis tool version 3.0. Based on the findings of this research, it shows that financial knowledge and financial literacy do not affect the locus of control, financial attitude has a positive and significant effect on the locus of control. Financial knowledge, financial literacy, and locus of control have a positive and significant effect on financial management behavior, financial attitude does not affect financial management behavior. The locus of control cannot mediate the effect of financial knowledge and financial literacy on financial management behavior, and the locus of control can mediate positively and significantly the influence of financial attitudes on financial management behavior. The implication for universities in forming good financial management behavior is to increase financial knowledge, financial literacy and locus of control, then form financial management behavior by improving financial attitude through locus of control by holding training programs, courses, seminars, or other activities from universities and faculties.
The Impact of Organizational Climate and Perceived Organizational Support on Organizational Commitment: The Mediating Role of Job Satisfaction Hari, Minti; Astuti, Herni Justiana; Tubastuvi, Naelati; Fakhruddin, Iwan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.5002

Abstract

This research aims to analyze the influence of organizational climate, perceived organizational support, and job satisfaction on Organizational Commitment. The analysis uses Structural Equation Modeling with the Partial Least Square (PLS) approach. The population in this study were all employees at the Cilacap Regency Regional Hospital except doctors and structural officers with a total sample of 273 people. The main findings of this research show that perceived organizational support has a positive effect on job satisfaction, but organizational climate has no effect. Organizational climate and job satisfaction have a positive effect on organizational commitment, but perceived organizational support has no effect. Job satisfaction can mediate the relationship between perceived organizational support and organizational commitment; however, job satisfaction cannot mediate the relationship between organizational climate and commitment.
Co-Authors Aam Slamet Rusydiana, Aam Slamet Abidin, Gita Rosiliana Aditya, Yogga Aeni, Nurul Nur Afiani, Mirza Zulmi Afri Cahyani, Ikah Afrizal Zaki, Anas Aji , Mukhlis Prasetyo Akhmad Darmawan Akhmad Darmawan Alfalisyado Alfalisyado Alfalisyado, Alfalisyado Ali, Abdulmalek Anak Agung Gede Sugianthara Ani Kusbandiyah Anindita, Kurniasih Setya Arini Hidayah Arini Hidayah, Arini Arofah, Rifka Utami Aryoko, Yudhistira Pradhipta Ayu Aradhea, Nissa Azafii, Azka Saputra Azzahara, Cantik Tiara Maharani Bagis, Fatmah Baligh Al Haj Basuki, Tri Wiyana Budi Santoso, Suryo Cahyani, Ikah Afri Damayanti, Dika Dheya Alhag Alsharabi Dinda Permatasari, Dinda Eko Hariyanto Eko Haryanto Erny Rachmawati Fahitaratih, Syafira Maistin Farah Almas Fadilah Fatma Pramesti, Ayunda Fatmah Bagis Fitriati, Azmi Gemintang, Raihan Akbar Cahya Gunawan Putri, Nadya Loverina Haq, Irdhiana Ilma Hari, Minti Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Herni Justiana Astuti Hidayanti, Febriana Ibarra, Venus C. Ifatunisa, Mutia Inayati, Nur Isna Islami, Adelia Wahyu Iwan Fakhruddin Jaroenwanit, Pensri Justiana Astuti, Herni Kamellia, Siti Kharisma, Billy Widoera Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Lestiana, Eli Luthfi Zamakhsyari Maulida Nurul Innayah Maulidina, Azizah Melda Anggraini Miftahuddin, Muchammad Agung Mohamed, Liban Isak Mudjiyanti, Rina Muhammad Javier Fausta Azaria Nugroho, Bambang Haryo Nurjanah, Anis Rofika Nurjannah, Afifah Zahroh Pandansari, Tiara Pramesti, Shasa Pramurindra, Rezky Pratama, Andika Canggah Pratami, Naturi Diah Purnadi Purnadi, Purnadi Rabbani, Agum Akbar Rahmah, Nunung Aini Rahmawati, Ika Yustina Rahmawati, Meyssy Trisa Ramadani, Arienda Gitty Ramadhan, Sukmadianto Tri Rania Nur Ainun Ratna Kartika Wati Rayhan, Ainun Putri Restu Frida Utami Rifka Utami Arofah Rina Mudjiyanti Rohmah, Aulia Nur Roslan, Nur Hafiza Salsabilla, Syaefa Intan Salvati, Adelia Sobrotul M.Si SE. Ilmiani Sri Wahyuni Sri Wahyuni Sulistyani Budiningsih SURYO Budi Santoso Suyoto , Suyoto Totok Haryanto Wahid, Dimas Lanang Rizky Wiasih, Dina Retno Wida Purwidianti Widhiandono , Hengky Widhidanono, Hengky Widyaningtyas, Dian Widyastuti, Ani Nor Witasari, Rindi Wulan Ndatika, Utyea Wulan, Zani Nawang Yudhistira Pradhipta Aryoko Yuswandani, Arafah Esa Zahra, Hakimatuz