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PENGARUH LITERASI KEUANGAN, STATUS SOSIAL EKONOMI, LINGKUNGAN SOSIAL, LOCUS OF CONTROL DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN MAHASISWA Rabbani, Agum Akbar; Tubastuvi, Naelati; Rahmawati, Ika Yustina; Widyaningtyas, Dian
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 1 (2024): Edisi Januari - April 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i1.3701

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Literasi Keuangan, Status Sosial Ekonomi, Lingkungan Sosial, Locus Of Control Dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif. Populasi penelitian ini adalah mahasiswa prodi manajemen fakultas ekonomi di Universitas Muhammadiyah Purwokerto, Universitas Jenderal Soedirman dan Universitas Islam Negeri Prof. KH. Saifuddin Zuhri. Sampel pada penelitian ini merupakan mahasiswa angkatan 2019 hingga angkatan 2022 dan sudah mengambil mata kuliah manajemen keuangan. Penelitian ini menggunakan data primer yang dilakukan melalui kuesioner yang dibuat melalui Google Form dan disebarkan secara online melalui Whatsapp dan Instagram. Pengumpulan data dilakukan secara cross sectional. Penelitian ini berhasil mengumpulkan sampel sebanyak 133, namun peneliti hanya menggunakan 128 responden yang telah mengambil mata kuliah manajemen keuangan. Hasil riset tersebut di simpulkan bahwa variabel status sosial ekonomi dan lingkungan sosial tidak berpengaruh signifikan terhadap pengelolaan keuangan mahasiswa. Sedangkan variabel literasi keuangan, locus of control dan gaya hidup berpengaruh signifikan terhadap pengelolaan keuangan mahasiswa. Penelitian ini membantu mengatasi masalah pengelolaan keuangan mahasiswa dalam mengatur penggunaan uangnya untuk membeli kebutuhan dengan memperhatikan prioritas mahasiswa. Penelitian ini memberikan informasi kepada mahasiswa tentang pentingnya pengelolaan keuangan.
The Influence of Company Growth, Capital Structure, Company Size, Profitability and Liquidity on Company Value Rohmah, Aulia Nur; Rahmawati, Ika Yustina; Tubastuvi, Naelati; Alfalisyado, Alfalisyado
Journal of Finance and Business Digital Vol. 3 No. 1 (2024): March 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i1.8499

Abstract

This research aims to examine the relationship between Company Growth, Capital Structure, Company Size, Profitability and Liquidity on Company Value in the 2019 - 2022 period. The population used was cyclical companies and sampling used a purposive sampling technique with a total of 27 companies. The statistical analysis techniques used are Descriptive Test, Classic Assumption Test and Multiple Linear Regression Test which uses the t test to test the hypothesis. The method of collecting data was by determining the population used and obtaining 104 data from 26 cyclical companies that had positive profits in their financial reports. From the results of the tests that have been carried out, the growth and capital structure variables have a positive and significant effect on company value. Meanwhile, the variables company size, profitability and liquidity have no significant effect on company value.
The Moderating Role of Good Corporate Governance on the Influence of Company Size, Share Value, Profitability, and Financial Leverage on Income Smoothing (Study of Primary Consumer Goods Companies listed on the BEI in 2020-2022) Pratami, Naturi Diah; Tubastuvi, Naelati; Innayah, Maulida Nurul; Aryoko, Yudhistira Pradhipta
Journal of Finance and Business Digital Vol. 3 No. 1 (2024): March 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jfbd.v3i1.8521

Abstract

This research aims to determine the influence of company size, share value, profitability, and financial leverage on income smoothing and the moderating role of GCG on the influence of company size, share value, profitability, and financial leverage on income smoothing. This research uses  quantitive method ,  purposive sampling, and logistic regression analysis with SPSS 20.  This research shows that profitability has a negative effect on income smoothing. company size, share value, and financial leverage do not affect incomes smoothing. GCG cannot moderate the influence of company size and share value on income smoothing. GCG can strengthen the influence of profitability and financial leverage on income smoothing.
Understanding the Factors Influencing User Adoption of Fintech Lending Nurjannah, Afifah Zahroh; Tubastuvi, Naelati; Purwidianti, Wida; Zamakhsyari, Luthfi
Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Vol. 2 No. 2 (2023): November 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jambak.v2i2.7649

Abstract

This research aims to analyze the factors that influence interest to use fintech lending among millennial communities in Central Java. This research uses the TAM (Technology Acceptance Model) theory, with independent variables namely Perceived Ease of Use, Perceived Usefulness, Relative Advantage, Perceived Risk, and Perceived Cost, the mediating variable is User Attitude and the dependent variable is Interest to Use Fintech Lending. This research is quantitative research using a purposive sampling method. The research results show that perceived usefulness and perceived risk have a positive and significant effect on user attitudes, while perceived ease of use, relative advantage, and perceived cost have no effect on user attitudes, perceived risk, and perceived cost have an effect on interest to use.
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.
Enhancing MSME: Exploring the Relationship between Financial Literacy, Financial Inclusion, and Capital Access to Improve Performance Tubastuvi, Naelati; Nur Ainun, Rania; Purwidianti, Wida; Zamakhsyari, Luthfi
Airlangga Journal of Innovation Management Vol. 5 No. 1 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i1.53990

Abstract

The growth of micro, small, and medium-sized enterprises (MSMEs) is critical to Indonesia's present economic development. This study has the purpose of examining how financial literacy, financial inclusion, and access to capital affect the performance of MSMEs in the Banyumas area. The performance of MSMEs is the dependent variable in this study, and the independent factors are financial literacy, financial inclusion, and access to finance. This study used partial Least Squares (PLS) to handle data in this work. Purposive sampling procedures were employed to select 127 MSMEs from a total of 8,559 MSMEs in the Banyumas Regency as research participants. The study's main findings of the relationship between the three variables of financial literacy, financial inclusion, and access to capital on MSME performance show that these three variables significantly influence MSME performance, both partially and simultaneously. As a result, MSMEs with a high degree of financial competence, simple access to finance, and suitable access to capital would improve MSMEs' performance in an area, resulting in the growth of the enterprises they manage. This research found that the financial literacy level of Banyumas MSMEs is quite high, available financial inclusion is easily accessible and sufficient access to capital can help MSMEs to improve their performance so that they can increase the development of the businesses they run.
Gen Z Investment Decision: Role of Financial Literacy, Financial Behaviour, Financial Experience and Risk Tolerance Tubastuvi, Naelati; Azaria, Muhammad Javier Fausta; Purwidianti, Wida; Aryoko, Yudhistira Pradhipta
Airlangga Journal of Innovation Management Vol. 5 No. 4 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i4.61315

Abstract

This research aims to investigate the determinants influencing investment decisions among Generation Z in Banyumas Regency, Indonesia. This research focuses on the population of Generation Z individuals aged 18-27 years, with a sample size of 120 respondents selected through purposive sampling using the 10-times rule method. Data collection was conducted using a structured questionnaire based on a Likert scale to assess various factors, including financial literacy, financial behaviour, financial experience, and risk tolerance. The analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM) using Smart PLS software, which facilitated the evaluation of both the outer and inner models to test validity, reliability, and hypothesis testing. The results show that financial literacy, financial behaviour and risk tolerance positively and significantly influence investment decisions among Generation Z respondents. These findings suggest that increasing financial literacy, improving financial behaviour and having good risk tolerance can lead to more informed investment decisions among this demographic. Meanwhile, financial experience does not affect investment decisions, indicating that Generation Z investors do not consider their financial experience in their investment decisions. The implications of this research highlight the importance of targeted financial education programs aimed at Generation Z to improve their investment decision-making capabilities. By fostering a better understanding of financial concepts and encouraging responsible financial behaviours, stakeholders can contribute to the development of a more financially literate and proactive generation of investors
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
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 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 Azaria, Muhammad Javier Fausta Azizah, Farinda Hauna Azzahara, Cantik Tiara Maharani Bagis, Fatmah Basuki, Tri Wiyana Budi Santoso, Suryo Cahyani, Ikah Afri Damayanti, Dika Dinda Permatasari, Dinda Eko Hariyanto Eko Haryanto Erny Rachmawati Fahitaratih, Syafira Maistin Farah Almas Fadilah Fatmah Bagis Fitriati, Azmi Gunawan Putri, Nadya Loverina Haliza, Vivi Dwi Haq, Irdhiana Ilma Hari, Minti Haryanto, Totok Hengky Widhiandono Herni Justiana Astuti Hidayanti, Febriana Ibarra, Venus C. Inayati, Nur Isna Islami, Adelia Wahyu Iwan Fakhruddin Jaroenwanit, Pensri Justiana Astuti, Herni Kharisma, Billy Widoera Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Lestiana, Eli Mahmudah, Diana Maulida Nurul Innayah Maulidina, Azizah Melda Anggraini Miftahuddin, Muchammad Agung Mohamed, Liban Isak Mudjiyanti, Rina Nugroho, Bambang Haryo Nur Ainun, Rania Nurjanah, Anis Rofika Nurjannah, Afifah Zahroh Pandansari, Tiara Pramesti, Shasa Pratama, Andika Canggah Pratami, Naturi Diah Rabbani, Agum Akbar Rahmah, Nunung Aini Rahmawati, Ika Yustina Rahmawati, Meyssy Trisa Ramadani, Arienda Gitty Ramadhan, Sukmadianto Tri Ratna Kartika Wati Rayhan, Ainun Putri Restu Frida Utami Rezky Pramurindra Rifka Utami Arofah Rina Mudjiyanti Rohmah, Aulia Nur Salvati, Adelia Sobrotul M.Si SE. Ilmiani Sri Wahyuni Sri Wahyuni Sulistyani Budiningsih SURYO Budi Santoso Totok Haryanto Wahid, Dimas Lanang Rizky Wiasih, Dina Retno Wida Purwidianti Widhidanono, Hengky Widyaningtyas, Dian Widyastuti, Ani Nor Witasari, Rindi Wulan Ndatika, Utyea Wulan, Zani Nawang Yudi Firmansyah, Difandika Yuswandani, Arafah Esa Zahra, Hakimatuz Zamakhsyari, Luthfi