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All Journal Jurnal Riset Akuntansi dan Bisnis JURNAL ILMIAH MANAJEMEN & BISNIS Journal of Mathematics Education and Application (JMEA) KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Maneggio: Jurnal Ilmiah Magister Manajemen Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL AGRICA Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum Jurnal Riset Akuntansi Aksioma Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen Jurnal BELAINDIKA (Pembelajaran dan Inovasi Pendidikan) Jurnal Manajemen Bisnis dan Keuangan Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceeding International Seminar of Islamic Studies Balance : Jurnal Akuntansi dan Manajemen Jurnal SALMAN : Sosial dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Journal of International Conference Proceedings Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Mandiri: Jurnal Akuntansi dan Keuangan IIJSE RESLAJ: Religion Education Social Laa Roiba Journal
Sri Fitri Wahyuni
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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The Influence of Financial Literacy, Financial Behavior, and Income on Investment Decisions (2018 Student Case Study for Management Study Program Universitas Muhammadiyah Sumatera Utara) Sri Fitri Wahyuni; Radiman Radiman; Rita Nara
Journal of International Conference Proceedings (JICP) Vol 5, No 2 (2022): BEFIC Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v5i2.1709

Abstract

An investment decision is to set aside some stages to try to obtain investment returns or profits in the future. One of the factors needed to make an investment is capital or funds. The author's goal is to see the effect of financial literacy, financial behavior, income from decisions on students of the faculty of economics, management study program class of 2018. The number of samples in this study were 84 and using the Slovin formula. The technical analysis in this study uses multiple linear regression analysis, multiple correlation, termination, t test and F test. The results of this study indicate that financial literacy (X1) has a positive and significant effect on entry decisions (Y). Financial behavior (X2) has no effect on successful decisions (Y). Income (X3) has no effect on successful decisions (Y). Financial literacy, financial behavior, income simultaneously have a significant effect on investing decisions (a case study of students of the 2018 class of management study program at the Muhammadiyah University of North Sumatra). Keywords: Financial Literacy, Behavior, Income, Investment Decisions.
Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa Sri Fitri Wahyuni; Radiman Radiman; Dini Kinanti
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 1 (2023): Article Research Volume 7 Issue 1, Januari 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i1.1304

Abstract

Financial behavior is a person's ability to manage planning, budgeting, checking, managing, controlling, finding and storing daily financial funds. One of the factors that influence financial behavior is knowledge about financial literacy. The author's purpose is to determine the effect of financial literacy, hedonic lifestyle and personal financial attitudes on financial behavior in students of the economics faculty of management study program class l2018. The numberl of samplesl in thisl study werel 84 students usingl the slovinl formula. Thel analysis technique inl this studyl uses multiplel linear lregression, multiple correlationl determination, t testl and F ltest. Thel results ofl this studyl indicate thatl financial literacyl (X1) hasl a positivel and significantl effect onl financial behavior (Y). Hedonic Lifestyle (X2) hasl no effectl on financial behavior (Y). Personal financial attitude (X3) hasl no effectl on financial behavior (Y). Financiall literacy, hedonic lifestyle and personal financial attitudes simultaneously have a significant effect on financial behavior (studentsll of the 2018 classl of managementl study programl at Universitas Muhammadiyahl Sumatera Utara).
MSME DEVELOPMENT MODEL IN CONVENTIONAL BANKS IN MEDAN CITY Sri Fitri Wahyuni; Muhammad Shareza Hafiz; Riyan Pradesyah
Jurnal Ekonomi Vol. 12 No. 02 (2023): Jurnal Ekonomi, Perode April - Juni 2023
Publisher : SEAN Institute

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Abstract

Study This aim for see influence role, contribution, quality of human resources, to MSME development in the city of Medan, with capital as intervening variable. Study This carried out in the city of Medan, and which became target in study is community that has incoming business category in MSMEs. Method used with approach quantitative, with tool analysis SmartPLS. As for the results obtained, Role has influence in a manner No direct to MSME development, with capital as intervening variable. this proven with mark P Values of 0.012 <0.05. Contribution No own influence in a manner No direct to MSME development, with capital as intervening variable. this proven with mark P Values of 0.606 > 0.05. HR quality is not own influence in a manner No direct to MSME development, with capital as intervening variable. this proven with mark P Values of 0.393 > 0.05
PENGARUH KUALITAS PELAYANAN, KEADILAN BAGI HASIL DAN KEPUASAN NASABAH TERHADAP LOYALITAS NASABAH PADA PT. BANK PEMBIAYAAN RAKYAT SYARIAH GEBU PRIMA, MEDAN Khoirul Amri Nasution; Sri Fitri Wahyuni
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14142

Abstract

Abstract The growth of Islamic banking in Indonesia lags behind conventional banking, primarily due to insufficient customer loyalty. To enhance market share, Islamic banking providers in Indonesia must prioritize customer satisfaction, as satisfied customers are more inclined to remain loyal. This research aims to explore the interrelationships among service quality, fairness in profit-sharing, customer satisfaction, and customer loyalty. The study involves four key variables: service quality, profit-sharing fairness, and customer satisfaction as independent factors, and customer loyalty as the dependent factor. A simple random sampling method was employed, surveying 364 active customers, resulting in 78 valid responses. Findings indicate that service quality, profit-sharing fairness, and customer satisfaction collectively exert a significant influence on customer loyalty at BPRS Gebu Prima. The study reveals that these factors explain 47.6% of customer loyalty variance, with the remaining 52.4% influenced by unexplored variables beyond the scope of this research.
The Influence of Financial Literacy and Personal Financial Attitude on Financial Behavior with Lifestyle as an Intervening Variable on Productive Generation Y in Medan City Radiman, Radiman; Wahyuni, Sri Fitri; Lestari, Sherly
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2568

Abstract

Every person has unique financial habits shaped by internal and external causes. A perso’'s financial behaviour depends on their financial expertise. This study examines how financial education and attitudes towards money affect the financial decisions of productive Generation Y residents in Medan City. The lifestyle intermediate function in this link is also investigated in this research.Quantitative research approaches, such as surveys, are used in this study. Data processing was done using clever PLS software on 96 individuals. Data analysis methods including path analysis, PLS, and mediation effect analysis are popular.The research shows that financial knowledge strongly impacts lifestyle choices. Financial behaviour is heavily influenced by personal finance views. One's lifestyle is shaped by their financial views. Additionally, lifestyle might affect financial behaviour. This study also analyses how financial literacy and personal financial views affect financial behaviour and management, with lifestyle as a mediating component.
A Compliance Audit Model on the Government Grant Management in Indonesia Hafiz, Muhammad Shareza; Wahyuni, Sri Fitri; Wulandari, Tri
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2579

Abstract

This study evaluates the challenges and accuracy needed to apply Covid-19 social welfare funds in Indonesia, according Ministry of Social Affairs Regulation No. 20 of 2019. This study also seeks to understand the causes of Indonesians’ limited assistance adoption. Purposive sampling is used in this qualitative investigation. Researchers collected empirical data through qualitative interviews and used QSR NVivo 12 for data analysis. The Head of the Environment meticulously collected beneficiary data to start government grant management in North Sumatra. After that, the Village Office and top authorities arranged a well-organized assistance distribution campaign. Under the direction of the Head of the Environment, local resources were allocated to registered community members. Ministerial Regulation No. 20 of 2019 from the Ministry of Social Affairs governs government grant administration in North Sumatra. Dual engagement in the local community may explain the aid shortfall in North Sumatra, according to studies. People who accept and refuse social help are examples of this.
THE EFFECT OF FINANCIAL LITERATURE AND FINANCIAL TECHNOLOGY ON COMMUNITY FINANCIAL INCLUSION (CASE STUDY ON ADOLESCENT IN CITY OF TEBING TINGGI, NORTH SUMATERA) Radiman, Radiman; Wahyuni, Sri Fitri; Novika, Indah Ayu
Journal of International Conference Proceedings Vol 5, No 5 (2022): 2nd Wimaya International Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v5i5.2089

Abstract

ABSTRACTThis study aims to determine and analyze the Effect of Financial Literacy and Financial Technology on Public Financial Inclusion (Case Study on Teenagers in Tebing Tinggi City, North Sumatra). This research method uses a quantitative approach and uses associative research with questionnaire data collection techniques. The population in this study amounted to 27,837 people in Tebing Tinggi city teenagers and this study used incidental sampling technique, taking a sample of 100 respondents. The data analysis technique in this study used the classical assumption test, multiple linear regression test, research hypothesis testing (t test and F test), and the coefficient of determination. Based on the results of this study, financial literacy has a significant influence on community financial inclusion in Tebing Tinggi city adolescents, financial technology has a significant influence on community financial inclusion in Tebing Tinggi city adolescents, financial literacy and financial technology affect community financial inclusion in Tebing Tinggi city adolescents.Key Words : Financial Literacy, Financial Technology, Financial InclusionJEL Classification:B26, C58, E26
The Effect of Love of Money, Peer Group and Financial Literacy on Personal Financial Management in Management Study Program Students, Faculty of Economics and Business, Muhammadiyah University, North Sumatra Wahyuni, Sri Fitri; Radiman, Radiman; Nanda, Ariska Ayu
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2564

Abstract

This study aims to examine the influence of love of money, peer groups, and financial literacy on the personal financial management of students enrolled in the Management Study Program at Muhammadiyah University, North Sumatra. This study employed survey research methods to collect data. Participants are chosen based on specific demographic criteria. This study employs a quantitative and correlational methodology, with data being gathered via questionnaires. The Slovin algorithm was utilized to select a sample from the class of 2018 at Stambuk University, consisting of 84 students who are currently enrolled in the Management Study Program within the Faculty of Economics and Business at Muhammadiyah University in North Sumatra. This research utilizes various statistical tests, including the classical assumption test, multiple linear regression, t test, F test, and coefficient of determination. The data was analyzed using SPSS 25. This study demonstrates that individuals who possess a strong desire for wealth experience positive outcomes in terms of their personal financial management. This study examines the impact of peer groups on individuals’ financial management practices. A significant and meaningful correlation was discovered. The findings indicate a significant and positive correlation between the variables.
THE EFFECT OF CREDIT ASSESSMENT AND HUMAN RESOURCE QUALITY ON THE DECISION TO PROVIDE BUSINESS DEVELOPMENT CAPITAL Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Pradesyah, Riyan
Proceeding International Seminar of Islamic Studies INSIS 4 (November 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

Credit is a provision of loans to the community, in order for an activity that is consumptive and productive. Usually, credit is given by financial institutions such as banks, where banks will provide credit to people who have met the conditions set by the bank. In this case, productive credit is given to people who want to open a business or develop a business that is already owned. But most of the requirements given by banks or financial institutions are not in accordance with reality, where the bank also assesses the human resources that exist in the business being run. This research, is a quantitative study, with analytical tools using SPSS. As for the results obtained, that there is a partial influence of credit assessment on the decision to provide business development capital. The quality of human resources partially affects the provision of business development capital. And simultaneously, the credit assessment and quality of human resources affect the provision of business development capital, with a value of Rsequer 53.2%
Analisis Laporan Keuangan dalam Memprediksi Kebangkrutan pada Perusahaan Manufaktur Wahyuni, Sri Fitri
Jurnal Riset Akuntansi Vol 18 No 1 (2019): Jurnal Riset Akuntansi Aksioma, Juni 2019
Publisher : Jurusan Akuntansi Fakultas Ekonomi Dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/aksioma.v18i1.59

Abstract

The results of research or case studies conducted on plastic manufacturing and packaging companies listing in the 2012-2016 period aim to determine the company's financial condition if it is associated with the possibility of bankruptcy using the Altman Z-Score. One function of financial statement analysis in a company is to determine company life. Prediction of the survival of the company is very important for management and company owners for the survival of the company in anticipating the possibility of potential bankruptcy. The health of a company will reflect the ability to run a business, the distribution of assets, the effectiveness of the use of assets, the results of efforts that have been achieved, obligations that must be repaid and potential bankruptcy to be achieved. In looking at the financial health of the company and predicting the occurrence of bankruptcy, namely by using financial ratios. The ratio used focuses on liquidity ratios, profitability ratios, activity ratios.
Co-Authors Ade Gunawan Agusty, Mutiara Cindi Vatika Sari BR Sitanggang Dini Kinanti Farisi, Salman Fiqi Ilham Hafiz, Muhammad Shareza Ika Arwana Jufrizen Julita Khalisah Khalisah Khoirul Amri Nasution Lestari, Sherly Lestari, Sofi Sri Indah Matondang, Dini Mawaddah Maya Sari Muhammad Ridwan Muhammad Shareza Hafiz Muhammad Tri Ramdhani Mutiarani Pionera Nanda, Ariska Ayu Nasution, Khoirul Amri Nel Arianty Novika, Indah Ayu Nur, Fauziah Nur Pradesyah, Riyan Pradesyah, Riyan Puji Lestari, Sri Radiman Radiman Radiman Radiman Radiman, Radiman Ramadani, Desi Raudatul Jannah Rifki Hafas, Hafriz Rita Nara Rubiyah Rubiyah Serli Lestari, Serli Sinuhaji , Karina Ridha Ditia Sri Puji Lestari Tri Wulandari Widia Astuty Yogi Pranata