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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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INFLUENCE INVESTMENT OPPORTUNITY SET, OPERATING PROFIT MARGIN, CASH FLOW FROM OPERATING ACTIVITIES AND CASH FLOW TO EQUITY ON POLICY DIVIDEND ON A METAL COMPANY THAT LISTED ON INDONESIA STOCK EXCHANGE Sri Fitri Wahyuni; Fika Rimalansyah Peride
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 1 No. 2 (2022): January (January-March)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (532.194 KB) | DOI: 10.54443/morfai.v1i2.102

Abstract

The research objectives in this study are to find out and analyze the effect Investment Opportunity Set, To find out and analyze the effect Operating Profit Margin, To find out and analyze the effect of Cash flow from operating activities, to find out and analyze the effect Cash flow to Equity to the dividend payout ratio, to determine and analyze the effect of the Investment Opportunity Set, Operating Profit Margin, Cash Flow from Operating Activities and Cash Flow to Equity simultaneously on the Dividend Payout Ratio in metal companies listed on the Indonesia Stock Exchange for the 2016-2020 period. This study uses a quantitative approach, the regression analysis technique used in this study is a multiple linear regression analysis technique. The results of this study indicate that there is an influence between the Investment Opportunity Set on Dividend Policy. There is an effect of Operating Profit Margin on Dividend Policy. There is no influence of Cash Flow From Operating Activities on the Dividend Policy in. There is an effect of Cash Flow to Equity on Dividend Policy and the Fcount Value is 12, 130 with a significant level of 0.000, while Ftable is known to be 2.68. Based on these results, it can be seen that Fcount > Ftable (12,130 > 2,68) so that H0 is rejected and Ha is accepted so it can be concluded that the variables of Investment Opportunity Set, Operating Profit Margin, Cash Flow From Operating Activities, Cash Flow to Equity together have significant influence on the Dividend Policy of Metal Companies Listed on the Indonesia Stock Exchange for the 2016-2020 period.
THE INFLUENCE OF CAPITAL ADEQUACY RATIO, NET INTEREST MARGIN AND OPERATIONAL COSTS OF OPERATING REVENUE ON RETURN ON ASSET WITH LOAN TODEPOSIT RATIO AS INTERVENING VARIABLE Sri Puji Lestari; Sri Fitri Wahyuni; Wido Seno Affandi
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 2 No. 2 (2022): July (July-September)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v2i2.244

Abstract

Research Problems: To further increase the existence of conventional banks and the trust of the Indonesian people in conventional banking services, it is necessary to improve the performance of conventional banking. The problems in this study are whether CAR, NIM, BOPO and LDR have a significant effect on ROA; Do CAR, NIM, and BOPO have a significant effect on LDR; and whether CAR, NIM and BOPO have a significant effect on ROA through LDR as an intervening variable. Research purposes: To find out how much influence CAR, NIM, BOPO and LDR have on ROA; to find out how much influence CAR, NIM, and BOPO have on LDR; and to find out how much influence CAR, NIM and BOPO have on ROA through LDR as an intervening variable. Research methods: This type of research is quantitative research with a descriptive approach. The object of this research is a commercial bank listed on the Indonesia Stock Exchange (IDX) for the 2015-2019 period. The sample in this study was 10 conventional commercial banks, which were selected based on the purposive sampling method. Data analysis technique using multiple linear regression analysis. Research Findings: Partially there is no significant effect of the CAR variable on the LDR, there is a significant negative effect of the NIM variable on the LDR; and there is a significant positive effect of BOPO on LDR; there is an insignificant negative effect of the CAR variable on ROA, there is a significant positive effect of the NIM variable on ROA, there is no significant effect of the BOPO and LDR variables on ROA. Simultaneously CAR, NIM, BOPO have a positive and significant effect on LDR and CAR, NIM, BOPO and LDR have a positive and significant effect on ROA. LDR is the intervening variable of CAR on ROA, because the number of direct effects of CAR on ROA is smaller, but LDR is not an intervening variable of NIM and BOPO on ROA because the number of direct effects of NIM and BOPO on ROA is greater than the indirect effect.
REALIZING FINANCIAL INCLUSION IN THE MEDAN AREA SUBDISTRICT: THE ROLE OF FINANCIAL WELL-BEING, FINANCIAL LITERACY, AND INCOME WITHIN A SOCIO-CULTURAL FRAMEWORK Sri Fitri Wahyuni; Raudatul Jannah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i4.3453

Abstract

The objective of this study is to examine and analyze the influence of financial well-being, financial literacy, and income on financial inclusion, as well as to assess the moderating role of socio-cultural factors in these relationships. A quantitative research approach was employed using a survey method. The study population consisted of individuals of productive age residing in the Medan Area Subdistrict. A purposive sample of 100 respondents was drawn from two urban villages with distinct socio-economic characteristics. Data were collected through a structured questionnaire and analyzed using SmartPLS 4.0 software. The findings reveal that financial well-being, financial literacy, and income significantly influence financial inclusion. Socio-cultural factors also exert a direct and significant impact on financial inclusion. However, when tested as a moderating variable, socio-cultural factors were found to significantly moderate only the relationship between financial well-being and financial inclusion. In contrast, no significant moderating effects were observed in the relationships between financial literacy and income with financial inclusion. These results highlight that economic participation in formal financial systems is shaped not only by individual financial conditions but also by the cultural values embedded within the community.
Optimizing Transaction Efficiency of Perumda Tirtauli Employees: The Role of Personal Financial Management and the Use of Mobile Banking with Financial Technology as a Mediator Radiman Radiman; Sri Fitri Wahyuni; Nazwa Suzan
International Journal Of Economics Social And Technology Vol. 5 No. 1 (2026): Maret 2026
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v5i1.1530

Abstract

The rapid growth of digital financial services has increased the importance of understanding factors that influence transaction efficiency. However, limited studies have examined the mediating role of financial technology in the relationship between personal financial management, mobile banking usage, and transaction efficiency. This study aims to analyze the direct and indirect effects of personal financial management and mobile banking usage on transaction efficiency through financial technology among employees of Perumda Tirtauli, Pematangsiantar City. Using a quantitative associative approach, data were collected from all 100 permanent employees through a saturated sampling technique. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine both direct and mediating relationships among variables. The results show that personal financial management and mobile banking usage do not directly affect transaction efficiency. However, both variables positively and significantly influence financial technology, which in turn has a significant positive effect on transaction efficiency. Financial technology mediates the effect of personal financial management on transaction efficiency but does not mediate the effect of mobile banking usage. This study highlights the important role of financial technology in enhancing transaction efficiency and contributes to the literature by explaining its mediating function in digital financial behavior.
Analisis Laporan Keuangan dalam Memprediksi Kebangkrutan pada Perusahaan Manufaktur Sri Fitri Wahyuni
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.
Generation Y Investment Decisions in Medan City: Impact of Financial Literacy, Risk Perception, and Financial Behavior : Keputusan Investasi Generasi Y di Kota Medan: Dampak Literasi Keuangan, Persepsi Risiko, dan Perilaku Keuangan Sri Puji Lestari; Muhammad Ridwan; Sri Fitri Wahyuni
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 11 No. 2 (2025): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v11i2.2148

Abstract

This study explores both the direct and indirect effects of financial literacy, risk perception, and financial behavior on the investment decisions of Generation Y individuals living in Medan City. Utilizing a quantitative research methodology, data analysis was performed using the Statistical Package for the Social Sciences (SPSS), with a specific focus on path analysis to examine the relationships among latent variables. The target population consisted of individuals aged 30 to 42 years, classified as Generation Y, totaling 587,743 persons in Medan City. The determination of the sample size was carried out using Slovin's formula, yielding a total of 100 respondents for the study. Data were obtained through observation and the administration of structured questionnaires. The findings indicate that financial literacy, risk perception, and financial behavior each exert a statistically significant and positive individual influence on investment decisions. Moreover, when analyzed simultaneously, these variables collectively contribute meaningfully and positively to the investment decision-making process among Generation Y in the target region. This study provides novel insights into the financial behavior of Generation Y in an urban Indonesian setting, highlighting the importance of financial knowledge, perceived risk, and behavioral tendencies in shaping investment choices. Limitations related to sampling bias, self-reporting, and regional scope are acknowledged, and future studies are encouraged to expand the geographic coverage and apply mixed methods for deeper analysis.
Peran Gaya Hidup dalam Memediasi Pengaruh Pendidikan Ekonomi Keluarga, Status Sosial Ekonomi, dan Financial Literacy terhadap Sikap Hidup Hemat Generasi Z Dini Mawaddah Matondang; Sri Fitri Wahyuni
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.861

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pendidikan ekonomi keluarga, status sosial ekonomi orang tua, dan financial literacy terhadap sikap hidup hemat, baik secara langsung maupun tidak langsung melalui gaya hidup sebagai variabel mediasi. Penelitian menggunakan pendekatan kausal dengan populasi generasi Z di Kota Medan. Sampel ditentukan menggunakan rumus Lemeshow. Metode analisis yang digunakan adalah pendekatan kuantitatif dengan teknik analisis PLS (Partial Least Square), mencakup uji outer model, inner model, dan uji hipotesis. Hasil penelitian menunjukkan bahwa secara langsung, pendidikan ekonomi keluarga, status sosial ekonomi orang tua, dan gaya hidup berpengaruh signifikan terhadap sikap hidup hemat, sedangkan financial literacy tidak berpengaruh langsung. Namun, secara tidak langsung, pendidikan ekonomi keluarga, status sosial ekonomi orang tua, dan financial literacy berpengaruh terhadap sikap hidup hemat melalui gaya hidup sebagai variabel mediasi. This study aims to analyze the influence of family economic education, socioeconomic status of parents, and financial literacy on frugal living attitudes, both directly and indirectly through lifestyle as a mediating variable. The study uses a causal approach with the Generation Z population in Medan City. Samples are determined using the Lemeshow formula. The analysis method used is a quantitative approach with PLS (Partial Least Square) analysis techniques, including outer model tests, inner models, and hypothesis tests. The results of the study show that directly, family economic education, socioeconomic status of parents, and lifestyle have a significant effect on frugal living attitudes, while financial literacy has no direct effect. However, indirectly, family economic education, parental socioeconomic status, and financial literacy affect frugal living attitudes through lifestyle as a mediating variable.
Co-Authors Ade Gunawan Agusty, Mutiara Cindi Vatika Sari BR Sitanggang Dini Kinanti Dini Mawaddah Matondang 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 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