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Pengaruh pendapatan, literasi keuangan, dan sikap keuangan terhadap perilaku pengelolaan keuangan orang dewasa belum menikah di DKI Jakarta Theo Yudha Pranata; Sawidji Widoatmodjo
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 4 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i4.25379

The amount of income that is owned by adults who are working and not married is very important, besides that financial knowledge also has an important role to avoid things that are not desirable. Apart from income and financial literacy, what is no less important is financial attitude. Unmarried adults must be able to manage their income and expenses, especially since they don't have dependents. This is also a learning process to be able to manage finances when married. The purpose of this research was to find out the effect of income, financial literacy, and financial attitude on the financial management behavior of unmarried adults. The research sample used was 150 respondents. To get the sample, this study used a non-probability sampling technique with purposive sampling. After conducting the research, the results show that income and financial literacy have a positive but not significant effect on financial management behavior, while financial attitudes have a positive and significant influence on financial management behavior. Jumlah pendapatan yang dimiliki bagi orang dewasa yang telah bekerja dan belum menikah sangat penting, selain itu pengetahuan keuangan juga memiliki peran penting supaya terhindar dari hal-hal yang tidak diinginkan. Selain pendapatan dan literasi keuangan, hal yang tidak kalah penting adalah sikap keuangan. Orang dewasa belum menikah harus mampu mengatur pemasukan dan pengeluaran apalagi mereka belum mempunyai tanggungan. Hal tersebut sekaligus menjadi proses belajar untuk bisa mengelola keuangan ketika sudah menikah. Tujuan penelitian yang dilakukan untuk bisa mengetahui pengaruh pendapatan, financial literacy (literasi keuangan), dan financial attitude (sikap keuangan) terhadap financial management behavior keuangan (perilaku manajemen) orang dewasa belum menikah. Sampel penelitian yang digunakan sebanyak 150 responden. Untuk mendapatkan sampel, penelitian ini menggunakan teknik non-probability sampling dengan jenis sampling purposive. Setelah dilakukan penelitian, maka didapatkan hasil bahwa pendapatan dan financial literacy mempunyai pengaruh positif yang tidak signifikan terhadap perilaku pengelolaan keuangan, sedangkan sikap keuangan memiliki pengaruh yang positif dan signifikan terhadap financial management behavior.

Faktor determinan pada financial well being pekerja dewasa di Jakarta Julius Pratama; Sawidji Widoatmodjo
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 5 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i5.26503

This research aims to determine whether the financial well-being of adult workers in Jakarta is influenced by financial literacy, financial behaviour, financial stress, and internal locus of control (LOC). This study utilizes primary data with the target population being adult workers residing in Jakarta. The data collection process was conducted by distributing an online questionnaire through Google Forms. The sampling method used is non-probability sampling with convenience sampling type, with a total of 241 respondents collected. The data analysis technique employed is Structural Equation Modeling (SEM) using SmartPLS software version 3.2.9. The results of this research indicate that financial literacy has a positive but not significant influence, financial behaviour and internal locus of control have a significant positive influence, while financial stress has a significant negative influence on the financial well-being of adult workers in Jakarta. Tujuan dari penelitian ini adalah untuk mengetahui apakah financial well-being pekerja dewasa di Jakarta dipengaruhi oleh financial literacy, financial behaviour, financial stress, dan internal locus of control (LOC). Penelitian ini menggunakan data primer dengan target populasi adalah pekerja dewasa yang berdomisili di Jakarta. Proses pengumpulan data dilakukan dengan menyebarkan kuesioner secara online melalui media Google Form. Metode pengumpulan sampel menggunakan non-probability sampling jenis convenience sampling dengan responden yang terkumpul berjumlah 241 responden. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM) dengan software SmartPLS versi 3.2.9. Hasil penelitian ini mendapatkan bahwa financial literacy berpengaruh positif tetapi tidak signifikan, financial behaviour dan internal locus of control berpengaruh positif signifikan sedangkan financial stress berpengaruh negatif signifikan terhadap financial well-being pekerja dewasa di Jakarta.

Analisis Growth, Leverage, Liquidity, Profitability yang Mempengaruhi Kebijakan Dividen pada Subsektor Perbankan Tahun 2015-2021 Evander Hendri; Sawidji Widoatmodjo
Jurnal Manajerial Dan Kewirausahaan Vol. 5 No. 4 (2023): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v5i4.26957

Tujuan penelitian ini adalah untuk mengetahui pengaruh Growth, Leverage, Liquidity dan Profitability terhadap kebijakan dividen di subsektor perbankan. Data yang digunakan merupakan data sekunder dan metode yang digunakan adalah analisis regresi data panel dengan bantuan program Eviews12. Teknik pengambilan sampel yang digunakan yaitu nonprobability sample dengan metode pengambilan sampel purposive sampling. Sampel ini terdiri dari 7 perusahaan yang memiliki laporan keuangan lengkap dan terdaftar di Bursa Efek Indonesia selama 2015-2021. Hasil penelitian ini adalah Growth berpengaruh positif dan tidak signifikan terhadap kebijakan dividen di Subsektor Perbankan. Leverage berpengaruh negatif signifikan terhadap kebijakan dividen di Subsektor Perbankan. Liquidity berpengaruh tidak signifikan positif terhadap kebijakan dividen di Subsektor Perbankan. Profitability berpengaruh negatif tidak signifikan terhadap kebijakan dividen di Subsektor Perbankan. The purpose of this study was to see the effect of growth, leverage, liquidity, and profitability on the policy of distribution in the banking sub-sector. The data used are secondary data and the method used is panel data regression analysis with the help of the Eviews12 program. The sampling technique used is nonprobability sample with purposive sampling method. This sample consists of 7 companies that have complete financial reports and are listed on the Indonesian stock exchange during 2015-2021. The results of this study are growth has a positive and insignificant effect on dividend policy in the Banking subsector. Leverage has significant negative effect on dividend policy in the Banking Subsector. Liquidity has a positive and insignificant effect on dividend policy in the Banking subsector. Profitability has no significant negative effect on dividend policy in the Banking Subsector.

Readiness For Organizational Change: Workplace and Individual Factors At PT TBK (JV Company) Elfira Pipit Kurniawati; Sawidji Widoatmodjo
Asian Journal of Social and Humanities Vol. 2 No. 03 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i03.205

The merger & acquisition (M&A) process with foreign companies can cause changes in the company, ranging from changes in structure to processes and ways of working in the company. This study aims to determine the influence of workplace factors specifically organizational commitment, organizational culture, organizational support, and individual factors in the form of job satisfaction, work engagement and affective commitment to employee readiness to face change. Data for this study was gathered utilizing the probability sampling method, with a total of 156 respondents from the head office of PT Tbk. The findings indicate that organizational culture, organizational commitment, job satisfaction, work engagement, and individual commitment (affective commitment) significantly influence readiness for organizational change (p = 0.00). However, organizational support does not exhibit a statistically significant effect on readiness for organizational change (p = 0.053). Notably, organizational culture emerges as the most influential factor affecting readiness for organizational change.

The Effect of Academic Stress, Burnout, and Class Engagement, on Cyberloafing Behavior in UNTAR Students Yoshua Zakharia; Sawidji Widoatmodjo
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.223

Nowadays, human life cannot be separated from technology, especially the internet. The internet helps human activities, so the internet is needed, but with the presence of the internet, humans abuse the internet provided. This phenomenon is known as cyberloafing. Cyberloafing is a form of internet abuse behavior during working hours. Cyberloafing behavior itself is influenced by several variables. The variables examined in this research that influence cyberloafing are academic stress, class engagement, and burnout. This research was conducted with the aim of finding out whether the variables of academic stress, class engagement, and burnout influence a person's cyberloafing behavior. In the process of collecting research data using the Simple Random Sampling (SRS) technique by submitting questionnaires online via WhatsApp, Line and Discord with Google Form. The sample chosen was students studying at Tarumanagara University, with 371 participants studying at Tarumanagara University. The results of this research show that the class engagement and academic stress variables have a positive and significant effect, but the burnout variable has a positive and insignificant effect on cyberloafing behavior. So from this research it can be concluded that academic stress and class engagement variables influence students to carry out cyberloafing

Readiness For Organizational Change: Workplace and Individual Factors At PT TBK (JV Company) Elfira Pipit Kurniawati; Sawidji Widoatmodjo
Asian Journal of Social and Humanities Vol. 2 No. 03 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i03.205

The merger & acquisition (M&A) process with foreign companies can cause changes in the company, ranging from changes in structure to processes and ways of working in the company. This study aims to determine the influence of workplace factors specifically organizational commitment, organizational culture, organizational support, and individual factors in the form of job satisfaction, work engagement and affective commitment to employee readiness to face change. Data for this study was gathered utilizing the probability sampling method, with a total of 156 respondents from the head office of PT Tbk. The findings indicate that organizational culture, organizational commitment, job satisfaction, work engagement, and individual commitment (affective commitment) significantly influence readiness for organizational change (p = 0.00). However, organizational support does not exhibit a statistically significant effect on readiness for organizational change (p = 0.053). Notably, organizational culture emerges as the most influential factor affecting readiness for organizational change.

The Effect of Academic Stress, Burnout, and Class Engagement, on Cyberloafing Behavior in UNTAR Students Yoshua Zakharia; Sawidji Widoatmodjo
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.223

Nowadays, human life cannot be separated from technology, especially the internet. The internet helps human activities, so the internet is needed, but with the presence of the internet, humans abuse the internet provided. This phenomenon is known as cyberloafing. Cyberloafing is a form of internet abuse behavior during working hours. Cyberloafing behavior itself is influenced by several variables. The variables examined in this research that influence cyberloafing are academic stress, class engagement, and burnout. This research was conducted with the aim of finding out whether the variables of academic stress, class engagement, and burnout influence a person's cyberloafing behavior. In the process of collecting research data using the Simple Random Sampling (SRS) technique by submitting questionnaires online via WhatsApp, Line and Discord with Google Form. The sample chosen was students studying at Tarumanagara University, with 371 participants studying at Tarumanagara University. The results of this research show that the class engagement and academic stress variables have a positive and significant effect, but the burnout variable has a positive and insignificant effect on cyberloafing behavior. So from this research it can be concluded that academic stress and class engagement variables influence students to carry out cyberloafing

Pengaruh Literasi Keuangan Melalui Media Sosial terhadap Pengelolaan Keuangan Generasi Z: Financial Self-Efficacy sebagai Mediator Monica Chandra; Sawidji Widoatmodjo; Halim Putera Siswanto
Jurnal Manajerial Dan Kewirausahaan Vol. 8 No. 2 (2026): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v8i2.37412

Perkembangan teknologi digital menjadikan media sosial sebagai salah satu sumber informasi utama bagi Generasi Z, termasuk upaya memperoleh pengetahuan yang terkait dengan keuangan. Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan melalui media sosial terhadap pengelolaan keuangan Generasi Z, serta menguji peran financial self-efficacy sebagai variabel mediasi. Metode yang digunakan pada penelitian ini adalah metode kuantitatif dengan penyebaran kuesioner kepada Generasi Z yang aktif menggunakan media sosial. Jumlah sampel sebanyak 158 responden dan analisis data dilakukan dengan metode Partial Least Squares – Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa terdapat pengaruh yang positif dan signifikan dari literasi keuangan melalui media sosial terhadap financial self-efficacy dan pengelolaan keuangan Generasi Z. Selain itu, financial self-efficacy juga berpengaruh positif dan signifikan terhadap pengelolaan keuangan Generasi Z. Dan yang terakhir, Financial Self-Efficacy dapat memediasi pengaruh dari literasi keuangan melalui media sosial terhadap pengelolaan keuangan Generasi Z. Dengan demikian, semakin tinggi literasi keuangan yang diperoleh melalui media sosial, maka semakin tinggi pula tingkat Financial Self-Efficacy dan kemampuan Generasi Z di dalam mengelola keuangannya. The development of digital technology has made social media as one of the main sources of information for Generation Z, including the effort to acquire the knowledge related to finance. This study aimed to examine the effect of financial literacy through social media on Generation Z's financial management, as well as to examine the role of financial self-efficacy as a mediating variable. The method used in this study was quantitative method using questionnaire distributed to Generation Z who are active in using social media as respondents. The sample size used was 158 respondents, and data analysis was performed using Partial Least Squares – Structural Equation Modeling (PLS-SEM). This study indicate that there is a positive and significant effect of financial literacy through social media on Financial Self-Efficacy and Generation Z's financial management. In addition, Financial Self-Efficacy was proven to have a positive and significant effect on Generation Z's financial management. Finally, Financial Self-Efficacy has a positive and significant mediating effect of the influence of financial literacy through social media on Generation Z's financial management. Therefore, the higher the financial literacy obtained through social media, the higher the level of Financial Self-Efficacy and the ability of Generation Z to manage their financial matters.

Pendorong kinerja dalam UMKM kreatif Korea: Analisis peran mediasi inovasi pada pembelajaran organisasi dan antisipasi nilai pelanggan Laura Rebeca Chandra; Sawidji Widoatmodjo
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 10 No 1 (2026): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v10i1.37220

This study aims to empirically examine the effects of organizational learning and customer value anticipation on business performance, as well as the effect of innovation on business performance, with innovation acting as a mediating variable. The sampling technique employed was non-probability sampling using purposive sampling. Data were collected through questionnaires distributed via Google Forms. The study involved 216 Korean creative MSMEs located in Jakarta, Bandung, and Tangerang. Data analysis was conducted using SmartPLS software version 4.1.1.4. The data were tested through validity and reliability analysis, R2, Q2, f2, Goodness of Fit (GoF), and hypothesis testing. The results indicate that organizational learning has a positive effect on both innovation and business performance. Customer value anticipation has a positive effect on innovation but does not have a significant effect on business performance. Furthermore, innovation does not have a significant effect on business performance and does not mediate the relationships between organizational learning and business performance, nor between customer value anticipation and business performance. This study also reveals that the Resource-Based View (RBV) and Knowledge-Based View (KBV) theories are not yet fully applicable to newly established MSMEs that are oriented toward creativity, popular trends, and work flexibility. Tujuan penelitian ini adalah untuk mengetahui secara empiris pengaruh pembelajaran organisasi dan antisipasi nilai terhadap kinerja usaha, serta pengaruh inovasi terhadap kinerja usaha dengan inovasi sebagai variabel mediasi. Teknik pengambilan sampel yang digunakan adalah non-probability sampling dengan teknik pemilihan sampel adalah purposive sampling. Pengumpulan data menggunakan kuesioner melalui Google Form. Penelitian dilakukan terhadap 216 UMKM kreatif Korea di wilayah Jakarta, Bandung, dan Tangerang. Teknik analisis data menggunakan software SmartPLS ver. 4.1.1.4. Pengujian terhadap data penelitian dengan melakukan analisis validitas dan reliabilitas, R2, Q2, f2, Goodness of Fit (GOF), dan uji hipotesis. Hasil penelitian menunjukkan bahwa pembelajaran organisasi berpengaruh positif terhadap inovasi dan kinerja usaha, antisipasi nilai pelanggan berpengaruh terhadap inovasi namun tidak berpengaruh terhadap kinerja usaha, dan inovasi tidak berpengaruh signifikan terhadap kinerja usaha serta tidak memediasi hubungan pembelajaran organisasi maupun antisipasi nilai pelanggan terhadap kinerja usaha. Penelitian ini juga menunjukkan bahwa teori Resource-Based View (RBV) dan Knowledge-Based View (KBV) belum sepenuhnya berlaku untuk UMKM yang baru memulai usahanya dan berorientasi pada kreativitas, tren populer, dan fleksibilitas kerja.

Analisis eco innovation dan eco intellectual capital pada sustainable performance melalui strategic learning pada UMKM F&B di Jakarta Helen Gunawan; Sawidji Widoatmodjo
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 10 No 1 (2026): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v10i1.37234

This study purpose to determine the empirical influence of Eco Innovation and Eco Intellectual Capital on Sustainable Performance with Strategic Learning as mediation in MSMEs in the Food and Beverage (FnB) sector in Jakarta. Sampling used purposive sampling technique. Data collection through questionnaires on Google Form. Analysis of 120 MSMEs FnB in Daan Mogot, West Jakarta. Data analysis techniques used Partial Least Square - Structural Equation Modeling (PLS-SEM) with SmartPLS software ver 4.1.1.4 Analysis of research data testing includes validity and reliability, R2, Q2, f2, Goodness of Fit (GoF)) and hypothesis testing. shows that Eco Innovation has a positive but not significant effect on Sustainable Performance, Eco Intellectual Capital has a positive and significant effect on Sustainable Performance. Strategic Learning has a strong influence on the relationship between Eco Innovation and Eco Intellectual Capital on Sustainable Performance This research shows the alignment with the Knowledge-Based View (KBV) and Dynamic Capability View (DCV) theories which explain through the importance of combining knowledge, abilities, business experience and adjustments to environmental changes. The role of Strategic Learning that strengthens the implementation of Eco Innovation and Eco Intellectual Capital, so that MSMEs are able to see market opportunities, minimize market and environmental risks and increase the development of MSMEs. Penelitian ini bertujuan untuk mengetahui pengaruh empiris Eco Innovation dan Eco Intellectual Capital terhadap Sustainable Performance dengan Strategic Learning sebagai mediasi pada UMKM sektor Food and Beverage (FnB) di Jakarta. Pengambilan sampel menggunakan teknik purposive sampling. Pengumpulan data melalui kuisioner pada Google Form. Analisis terhadap 120 UMKM FnB di Daan Mogot, Jakarta Barat. Teknik analisis data menggunakan Partial Least Square - Structural Equation Modeling (PLS–SEM) dengan software SmartPLS ver 4.1.1.4 Analisis pengujian data penelitian meliputi validitas dan reliabilitas, R2, Q2, f2, Goodness of Fit (GoF)) dan uji hipotesis.menunjukkan Eco Innovation berpengaruh positif dan namun tidak signifikan terhadap Sustainable Performance, Eco Intellectual Capital berpengaruh positif dan signifikan terhadap Sustainable Performance. Strategic Learning memiliki pengaruh kuat dalam hubungan antara Eco Innovation dan Eco Intellectual Capital terhadap Sustainable Performance. Penelitian ini menunjukan keselarasan dengan teori Knowledge- Based View (KBV) dan Dynamic Capability View (DCV) yang memaparkan melalui pentingnya melalukan kombinasi pengetahuan, kemampuan, pengalaman bisnis dan penyesuaian terhadap perubahaan lingkungan. Peran Strategic Learning yang menguatkan implementasi Eco Innovation dan Eco Intellectual Capital, sehingga UMKM mampu melihat peluang pasar, meminimalisirkan risiko pasar, lingkungan dan meningkatkan perkembangan UMKM.

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