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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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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 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 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.
Keterkaitan antara Literasi Keuangan dan Pendapatan Pada Kesejahteraan Keuangan : Mediasi Prilaku Keuangan Generasi Sandwich Wahyuni, Sri Fitri; Radiman, Radiman; Lestari, Sri Puji; Lestari, Sofi Sri Indah
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Januari 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i1.551

Abstract

tudi ini meneliti pengaruh Literasi Keuangan dan Pendapatan terhadap kesejahteraan finansial, dengan Perilaku Keuangan sebagai variabel perantara dalam Generasi Sandwich di Medan. Menggunakan metode kuantitatif dan pendekatan asosiatif, penelitian ini mengambil 100 responden melalui quota sampling dari populasi yang belum diketahui jumlah pastinya. Instrumen utama untuk pengumpulan data adalah observasi serta kuesioner. Data yang terkumpul dianalisis menggunakan perangkat lunak Partial Least Square (PLS), meliputi uji model eksternal dan internal serta pengujian hipotesis. Hasil menunjukkan bahwa baik Literasi Keuangan maupun Pendapatan secara langsung meningkatkan kesejahteraan finansial. Selain itu, variabel-variabel ini juga berdampak pada Perilaku Keuangan, yang berperan sebagai jalur mediasi dalam hubungan dengan kesejahteraan finansial. Dengan demikian, penelitian ini membuktikan adanya pengaruh langsung dan mediasi dari Literasi Keuangan dan Pendapatan terhadap kesejahteraan finansial dalam konteks Generasi Sandwich di Kota Medan. This study examines the influence of Financial Literacy and Income on financial well-being, with Financial Behavior as a mediating variable within the Sandwich Generation in Medan. Using a quantitative method and an associative approach, this research gathered 100 respondents through quota sampling from an unknown population size. The primary instruments for data collection were observation and questionnaires. The collected data were analyzed using Partial Least Squares (PLS) software, covering both external and internal model testing as well as hypothesis testing. The results indicate that both Financial Literacy and Income directly enhance financial well-being. Additionally, these variables impact Financial Behavior, which acts as a mediating pathway in the relationship with financial well-being. Therefore, this study demonstrates the direct and mediating effects of Financial Literacy and Income on financial well-being within the context of the Sandwich Generation in Medan.
Perilaku Keuangan Generasi Milenial di Medan: Meneliti Sinergi Literasi Keuangan, Gaya Hidup Hedonis, dan Sikap Keuangan Melalui Lensa Tingkat Pendidikan Sebagai Variabel Intervening Radiman, Radiman; Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Sinuhaji , Karina Ridha Ditia
Bursa : Jurnal Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Januari 2024
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v3i1.552

Abstract

Masalah yang dihadapi oleh Generasi Milenial di Medan antara lain adalah tingkat pendidikan yang masih belum optimal. Hal ini terlihat dari kurangnya kesadaran sebagian generasi milenial di Medan akan pentingnya pendidikan. Selain itu, tidak semua generasi milenial di Medan memiliki tingkat literasi keuangan yang baik, terlihat dari rendahnya minat untuk mengikuti program pelatihan dan pengembangan literasi keuangan. Gaya hidup hedonis di kalangan generasi milenial Medan juga cenderung lebih mengutamakan hiburan daripada pendidikan. Sikap keuangan mereka juga kurang bijaksana, dengan kecenderungan menghabiskan penghasilan untuk hal-hal yang tidak penting daripada menabung atau berinvestasi. Penelitian ini menggunakan pendekatan kuantitatif. Hasil analisis menunjukkan bahwa Literasi Keuangan tidak memiliki pengaruh positif dan signifikan terhadap Perilaku Keuangan, karena nilai p values > 0,05. Sebaliknya, Gaya Hidup Hedonis, Sikap Keuangan, dan Tingkat Pendidikan menunjukkan pengaruh positif dan signifikan terhadap Perilaku Keuangan, yang menandakan bahwa hipotesis yang diajukan dapat diterima dan relevan bagi Generasi Milenial di Medan. The issues faced by the Millennial Generation in Medan include a suboptimal level of education. This is evident from the lack of awareness among some millennials in Medan about the importance of education. Moreover, not all millennials in Medan possess adequate financial literacy, as seen in their low interest in participating in financial literacy training and development programs. The hedonistic lifestyle among Medan's millennials also tends to prioritize entertainment over education. Their financial behavior is often unwise, with a tendency to spend income on unnecessary items rather than saving or investing. This research employs a quantitative approach. The analysis results indicate that Financial Literacy does not have a positive or significant impact on Financial Behavior, as the p-values are > 0.05. On the other hand, Hedonistic Lifestyle, Financial Attitude, and Education Level have a positive and significant influence on Financial Behavior, suggesting that the proposed hypotheses are accepted and relevant to the Millennial Generation in Medan.
Faktor yang Memengaruhi Perilaku Menabung pada Generasi Z di Kecamatan Gebang, Kabupaten Langkat Agusty, Mutiara; Wahyuni, Sri Fitri; Radiman, Radiman
Jurnal Manajemen Bisnis dan Keuangan Vol 5 No 1 (2024): April 2024
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v5i1.206

Abstract

This research analyzes the influence of income, financial literacy, self-control and risk tolerance on saving behavior. This research adopts a quantitative associative methodology, where everyone from generation Z who lives in the Gebang District, Langkat Regency, is the sample population. The Lemeshow method was used to determine the sample size, which determined a minimum of 96 respondents to participate in filling out a questionnaire on a Likert scale. The data collected was then analyzed using the PLS-SEM approach with the SmartPLS tool. Research findings reveal that financial literacy, income, self-control ability, and readiness to face risks influence how generation Z in the area spends and saves. Thus, this research provides deeper insight into how these aspects are interconnected and influence individual savings habits among generation Z.
The Influence Of Understanding And Benefits On Interest To Do Transactions With Mobile Banking Case Study At PT. Bank SUMUT KC Shariah Tebing Tinggi Ramadani, Desi; Wahyuni, Sri Fitri
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (248.458 KB) | DOI: 10.30596/almuhtarifin.v1i2.9695

Abstract

This study aims to determine and analyze the effect of understanding and benefit simultaneously on the interest in conducting transactions with Mobile Banking, The location of this research was carried out at PT. Bank SUMUT Sharia Branch Office Tebing Tinggi, Jln. Dr. Sutomo No. 21 Kota Tebing Tinggi, the research time is planned for December 2021 by implementing health protocols. In this study, the population includes PT. Bank SUMUT Syariah KC Tebing Tinggi that uses Mobile Banking services are as many as 350 customer criteria. In this study, partially understanding affects customer interest in using mobile banking as seen from t count t table (4.419 1.991) and the significant level is 0.000 0.05 , In this study partially Benefits affect customer interest in using mobile banking seen from t count t table (6.044 1.991) and the significant level is 0.000 0.05, and the nature of this study simultaneously Understanding and Benefits affect customer interest in using mobile banking because f count f table (77,030 3.12) and the significant level is 0.000 0.05, the R Square value is 0.673 or 67.3%
Faktor Determinan Prilaku Keuangan pada Generasi Y Di Kota Medan Wahyuni, Sri Fitri; Radiman, Radiman; Lestari, Serli
Bursa : Jurnal Ekonomi dan Bisnis Vol. 2 No. 2 (2023): Mei 2023
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v2i2.276

Abstract

Setiap individu memiliki karakteristik dan kecenderungan perilaku keuangan yang berbeda-beda, baik dari faktor internal maupun faktor eksternal. Salah satu faktor yang mempengaruhi perilaku keuangan ialah pengetahuan tentang literasi keuangan. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh literasi keuangan, literasi sedekah, sikap keuangan pribadi dan gaya hidup terhadap perilaku keuangan generasi Y yang produktif di Kota Medan. Jenis penelitian ini adalah penelitian kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Sampel yang digunakan berjumlah 96 orang, dengan aplikasi pengoalahan data menggunakan smart PLS. Teknik analisa data menggunakan Analisis Jalur, Partial Least Square (PLS) dan Analisis efek Mediasi. Hasill penelitian ini menunjukkan literasi keuangan (X1) berpengaruh positif dan signifikan terhadap perilaku keuangan (Y). Literasi sedekah (X2) berpengaruh terhadap perilaku keuangan (Y). Sikap keuangan pribadi (X3) berpengaruh terhadap perilaku keuangan (Y). Gaya hidup (X4) berpengaruh terhadap perilaku keuangan (Y). Literasi keuangan, literasi sedekah, sikap keuangan pribadi dan gaya hidup secara simultan berpengaruh signifikan terhadap perilaku keuangan generasi Y yang produktif di Kota Medan. Each individual has different characteristics and tendencies in financial behavior, both internal and external factors. One of the factors that influence financial behavior is knowledge of financial literacy. This study aims to determine and analyze the influence of financial literacy, alms literacy, personal financial attitudes and lifestyles on the productive financial behavior of Generation Y in Medan City. This type of research is quantitative research with data collection techniques using questionnaires. The sample used was 96 people, with data processing applications using smart PLS. Data analysis techniques using Path Analysis, Partial Least Square (PLS) and Mediation effect analysis. The results of this study indicate that financial literacy (X1) has a positive and significant effect on financial behavior (Y). Alms literacy (X2) influences financial behavior (Y). Personal financial attitudes (X3) influence financial behavior (Y). Lifestyle (X4) influences financial behavior (Y). Financial literacy, alms literacy, personal financial attitudes and lifestyle simultaneously have a significant effect on productive Y generation financial behavior in Medan City.
Determinants Of Personal Financial Management: Exploring The Mediating Role of Locus of Control Among Multigenerational Caregivers in Medan Wahyuni, Sri Fitri; Sari, Maya; Astuty, Widia; Puji Lestari, Sri; Rifki Hafas, Hafriz
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3978

Abstract

This study investigates the impact of financial literacy, individual spiritual intelligence, peer group, and love of money on personal financial management among the multigenerational caregivers (sandwich generation) in Medan City, with locus of control serving as a mediating factor. Utilizing a quantitative, associative research design, data were gathered from 96 respondents via structured questionnaires and analyzed using Partial Least Squares (PLS). The analysis reveals that both financial literacy and individual spiritual intelligence significantly enhance personal financial management and contribute to a stronger locus of control. Although the peer group exerts a significant influence on locus of control, its direct impact on personal financial management is not statistically significant. In contrast, love of money demonstrates a significant positive effect on personal financial management, while its effect on locus of control remains insignificant. Furthermore, locus of control significantly improves personal financial management and mediates the relationships between the independent variables and financial management practices. The findings underscore the potential of targeted financial education, initiatives to bolster spiritual intelligence, and the cultivation of supportive peer networks to enhance financial management among the sandwich generation.
Assessing The Mediating Role of Employee Performance in Transforming Social Intelligence, Self-Leadership, and Employee Ability into Organizational Commitment at PT KAI Divre I North Sumatra Radiman, Radiman; Fitri Wahyuni, Sri; Viola Marpaung, Theresia
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3976

Abstract

At PT KAI Divre I North Sumatra, this study investigates the impact of social intelligence, self-leadership, and employee ability on organizational commitment, with a particular emphasis on the mediating role of employee performance. Employing a rigorous quantitative research design, data were collected via structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine both direct and indirect relationships among the constructs. The findings reveal that self-leadership significantly enhances employee performance; however, it does not exert a direct effect on organizational commitment. Conversely, social intelligence exhibits a robust positive impact on organizational commitment, despite having no significant effect on employee performance. Additionally, employee ability is positively correlated with employee performance, yet it does not directly influence organizational commitment. Importantly, the anticipated mediating role of employee performance was not supported, suggesting that enhancements in performance alone may be insufficient to strengthen organizational commitment. These results underscore the need for a comprehensive approach in leadership and human resource development that simultaneously fosters performance improvement and cultivates organizational commitment.
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