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All Journal Jurnal Riset Akuntansi dan Bisnis JURNAL ILMIAH MANAJEMEN & BISNIS 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 International Journal Of Economics Social And Technology 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 Automotive Engineering 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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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%
Nilai-Nilai Individu dan Remunerasi Terhadap Komitmen Organisasi Dalam Pendidikan Tinggi: Peran Mediasi Motivasi Kerja Radiman, Radiman; Wahyuni, Sri Fitri; Lestari, Sri Puji
JURNAL ILMIAH MANAJEMEN & BISNIS Vol 25, No 2 (2024): OKTOBER 2024 - MARET 2025
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/jimb.v25i2.21476

Abstract

Purpose  – study aims to examine the effect of value and remuneration on organizational commitment through the work motivation of civil servant lecturers in private universities in Medan City.Methods –  This research uses an associative quantitative approach. The research population consists of all civil servant lecturers of private universities in Medan City. The sample used in SEM (Structural Equation Modeling) research is a minimum of 180 samples. Data collection techniques include questionnaires and interviews. SEM PLS was used to analyze the data.Finding –  The results showed that individual values and remuneration affect organizational commitment (p 0.05), and then work motivation also affects organizational commitment (p 0.05). Furthermore, personal values and remuneration influence organizational commitment through lecturers' work motivation in private universities in Medan (p 0.05).Originality/Novelty – This study examines individual values and remuneration more comprehensively as predictors of lecturers' organizational commitment and then explicitly explores the importance of work motivation as a mediator in the relationship between personal values, remuneration, and organizational commitment.Implications – This study has shown that work motivation mediates the influence of individual values and remuneration on organizational commitment. Recommendations for further research include analyzing or using work motivation variables as independent variables, not mediating variables. The results of this study can be used as a guide for strategic decision-making in higher education institutions and the development of theoretical studies in the field of organizational management.
Efektivitas Metode Buzz Group terhadap Kemampuan Berpikir Kritis Siswa dalam Pembelajaran PAI Wahyuni, Sri Fitri; Mutiarani Pionera; Ramdhani, Muhammad Tri
Jurnal BELAINDIKA (Pembelajaran dan Inovasi Pendidikan) Vol 6 No 3 (2024): Jurnal BELAINDIKA
Publisher : Nusa Putra University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52005/belaindika.v6i3.255

Abstract

The Effectiveness of the Buzz Group Method on Students’ Critical Thinking Abilities in PAI Learning ABSTRACT The methods used in teaching Islamic Religious Education (PAI) should create critical thinking in students so they think deeply about Islam. However, PAI instruction in class VIII SMP Negeri 6 Palangka Raya has still not optimally generated students' critical thinking because of the implementation of the conventional method. This study aims to examine the effect of the Buzz group discussion method to improve students’ critical thinking on PAI. This study used a quasi-experimental method with Nonequivalent Pretest-Posttest Control Group Design involving 30 students from two different classes as the subjects. Students’ scores from the pretest and posttest became the data needed. The data was then analyzed through the Independent Sample T-test using SPPS 19. The results of the study showed that a significant effect of Buzz group implementation to improve students’ critical thinking in which t count 3.632 > t table 1.701 with the significance value 0.001 < 0.05. Hence, Ha was accepted. In addition, the students’ response questionnaire obtained an average percentage value of 71% showing that the instructional process was in the “good” category.
Co-Authors Ade Gunawan Agusty, Mutiara Cindi Vatika Sari BR Sitanggang Dini Kinanti Farisi, Salman Fika Rimalansyah Peride Fika Rimalansyah Peride Fiqi Ilham Hafiz, Muhammad Shareza Ika Arwana Ike Nurjanah Ike Nurjanah 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 Nazwa Suzan 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 Sri Puji Lestari Tri Wulandari Viola Marpaung, Theresia Widia Astuty Wido Seno Affandi Yogi Pranata