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ANALISIS PENGARUH RISK PERCEPTION, RISK TOLERANCE, OVERCONFIDENCE, DAN LOSS AVERSION TERHADAP KEPUTUSAN INVESTASI GENERASI MILIENIAL Tubastuvi, Naelati; Azzahara, Cantik Tiara Maharani; Purwidianti, Wida; Bagis, Fatmah
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 11, No 1 (2024): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v11i1.5334

Abstract

This study aims to determine the factors that influence investment decision making for millenial generation in Cilacap, Central Java. The research use quantitive method with primary data collected by distributing questionnarires. The millenial generation in Cilacap is the population in this study with sample used is 101 respondents. Data was analyzed using IBM SPSS Statistics 20. The result show that Risk perception and loss aversion influences the investment decision of the millenial generation in Cilacap. This means that the higher person perception of risk and loss aversion, the more careful the person will tend to be in making investment decision. Meanwhile, risk tolerance and overconfidence does not influence the investment decision of the millenial generation in Cilacap
Financial Management Behavior: the Influence of Financial Knowledge, Financial Attitude, and Financial Literacy Mediated by Locus of Control Damayanti, Dika; Tubastuvi, Naelati; Purwidianti, Wida; Aryoko, Yudhistira Pradhipta
Indonesian Journal of Business Analytics Vol. 3 No. 6 (2023): December 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v3i6.6907

Abstract

The purpose of this study is to identify the effect financial knowledge, financial attitude and financial literacy towards financial management behavior mediated by locus of control. This research used SmartPLS statistical analysis tool version 3.0. Based on the findings of this research, it shows that financial knowledge and financial literacy do not affect the locus of control, financial attitude has a positive and significant effect on the locus of control. Financial knowledge, financial literacy, and locus of control have a positive and significant effect on financial management behavior, financial attitude does not affect financial management behavior. The locus of control cannot mediate the effect of financial knowledge and financial literacy on financial management behavior, and the locus of control can mediate positively and significantly the influence of financial attitudes on financial management behavior. The implication for universities in forming good financial management behavior is to increase financial knowledge, financial literacy and locus of control, then form financial management behavior by improving financial attitude through locus of control by holding training programs, courses, seminars, or other activities from universities and faculties.
Pengaruh Gaya Kepemimmpinan Transformasional, Kerja Sama tim dan Work Life Balance Terhadap Kinerja Karyawan Muhammad Faqih Rachman, Faqih; Yusnar Kharismasyah, Alfato; Widhiandono, Hengky; Purwidianti, Wida
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i12.4578

Abstract

ABSTRACT. This study aims to analyze the influence of transformational leadership style, teamwork, and work-life balance on employee performance at PT. BPR BKK Purwokerto. The study population consists of 209 employees, and a saturated sampling technique was used, resulting in 109 respondents who participated. The data analysis method employed is Structural Equation Modeling (SEM) with Smart PLS version 4.0. The tests conducted include the Outer Model test; convergent validity, discriminant validity, and reliability tests. The Inner Model test includes hypothesis testing, r-square (R2), and goodness of fit. The Outer Model test is used to assess the validity and reliability of the research instruments. The Inner Model test is used to examine the relationships between the research constructs. Hypothesis testing is used to determine the significance of the influence of independent variables on the dependent variable. The results of the study show that work-life balance has a positive and significant effect on employee performance. Meanwhile, transformational leadership style and teamwork have a positive but not significant effect on employee performance. These findings are expected to provide insights for the management of PT. BPR BKK Purwokerto in improving employee performance through the development of appropriate policies. ABSTRAK. Penelitian ini bertujuan untuk menganalisis pengaruh gaya kepemimpinan transformasional, kerjasama tim, dan keseimbangan kehidupan kerja (work-life balance) terhadap kinerja karyawan di PT. BPR BKK Purwokerto. Populasi penelitian ini terdiri dari 209 karyawan, dan menggunakan teknik sampel jenuh, sehingga tidak seluruh populasi dijadikan sampel, dan diperoleh 109 responden yang berpartisipasi. Metode analisis data yang digunakan yaitu Structural Equation Modeling (SEM) dengan alat Smart PLS versi 4.0. Pengujian yang dilakukan meliputi uji Outer Model; confergent validity, discriminant validity, uji reliabilitas. Inner Model; uji hipotesis. r-square r2, goodness of fit. Uji outer model digunakan untuk menilai validitas dan reliabilitas instrumen penelitian. Uji inner model digunakan untuk menguji hubungan antara konstruk penelitian. Uji hipotesis digunakan untuk menentukan signifikansi pengaruh variabel independen terhadap variabel dependen. Hasil penelitian menunjukkan bahwa Work life balance memiliki pengaruh positif dan signifikan terhadap kinerja karyawan. Sementara itu gaya kepemimpinan transformasional dan kerjasama tim secara parsial memiliki dampak positif namun tidak signifikan terhadap kinerja karyawan. Temuan ini diharapkan dapat memberikan wawasan bagi manajemen PT. BPR BKK Purwokerto dalam meningkatkan kinerja karyawan melalui pengembangan kebijakan yang tepat.
Analysis of the Effect of Work Motivation, Competence, Compensation, Workload, and Discipline on Employee Performance (Case Study at PT. Sumber Segara Primadaya (S2P) Cilacap) Syahreiza, Muhammad; Rachmawati, Erny; Purwidianti, Wida; Pratama, Bima Cinintya; Astuti, Herni Justiana
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5017

Abstract

This research aims to analyze the influence of work motivation, competence, compensation, workload, and work discipline on employee performance in the S2P Cilacap environment. The data collection method used convenience sampling and obtained a sample of 100 respondents. Data were collected using a questionnaire which was analyzed using Structural Equation Modeling (SEM) PLS version 3.2. Testing results show that compensation, work discipline, and workload have a positive effect on employee performance, but competence and motivation have no effect. However, this study has limitations due to its focus on one location and limited sample size. The results of the analysis show that 86.8% of the variation in employee performance can be explained by the factors studied, while the remaining 13.2% are other variables such as self-efficacy, organizational culture, and work environment, as well as expanding the scope of research locations, by conducting research This is expected to provide benefits for the company.
PENGARUH KEPUASAN KERJA, BUDAYA ORGANISASI DAN DISIPLIN KERJA TERHADAP KINERJA PEGAWAI RUMAH SAKIT Asy-Syifa, Muhammad Rasyid; Bagis, Fatmah; Purwidianti, Wida; Purnadi, Purnadi
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12454

Abstract

The aims of this research is to investigate the effect among job satisfaction, organizational culture, and employee performance at hospital, involving the entire staff of the hospital. Through the application of a Non-probability technique, specifically employing the purposive sampling method, a research sample of 105 respondents who met specific criteria was selected. The data collection process entailed the distribution of a questionnaire. The purposive sampling method was deliberately utilized to guarantee that participants fulfilled predetermined criteria. The analysis of the collected data employed Partial Least Square (PLS) analysis. The results of the analysis reveal that job satisfaction significantly and positively impacts employee performance. Furthermore, organizational culture is determined to have a noteworthy positive influence on employee performance. Additionally, work discipline is recognized as having a significant positive effect on employee performance.
Analisis Kinerja Pegawai Dinas Lingkungan Hidup Kabupaten Purbalingga dan Banyumas : Peran Lingkungan Kerja, Disiplin Kerja, dan Komunikasi Interpersonal Zein, Ines Putri Adna; Bagis, Fatmah; Purwidianti, Wida; Kharismasyah, Alfato Yusnar
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12467

Abstract

This research has respondents who are dominated by employees with civil servant status, the age of the respondents is dominated by the age range ≥ 10 years. Employees who have an educational history of up to a bachelor's degree also dominate the respondents, and employees who have worked for ≥ 10 years also dominate the respondents. In this study, studyers tested the influence of the work environment, work discipline and interpersonal communication on employee performance at the Environmental Service of the Environmental Service of Purbalinga Regency and Banyumas Regency. A good work environment will improve employee performance in both agencies. With operational discipline, agency goals will be achieved more quickly and employee performance will increase. Then, effective interpersonal communication will increase work morale and ensure employee performance leads to maximum results. Apart from the work environment, work discipline and interpersonal communication also have a significant positive influence on employee performance. Keywords: Work Environment, Work Discipline, Interpersonal Communication, Employee Performance
Financial behavior on Investment and Financing Decision in Indonesian SME Purwidianti, Wida; Rahmawati, Ika Yustina; Mujirahayu, Tri Septin; Fakhruddin, Iwan
Jurnal Analisis Bisnis Ekonomi Vol 21 No 2 (2023)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/bisnisekonomi.v21i2.9742

Abstract

The SME sector experienced a decline in financial performance during the pandemic. In addition, there are changes in SME owners' financial behavior, which impact financial decision-making. The financial behavior of SME owners can be seen in risk attitudes, mental accounting, and overconfidence. This study explores the relationship between risk attitudes, mental accounting, and overconfidence in investment and financing decisions. This study took the population of UKM owners in Banyumas Regency, Central Java Province, Indonesia.. The sample used in the study amounted to 116 SME owners. The results provide empirical evidence that risk attitudes and mental accounting have not significantly influenced investment decisions. Overconfidence can improve the investment decisions of SME owners. The results of the study confirm that lower-risk attitudes will have an impact on enhancing financing decisions. A high level of mental accounting will result in better financing decisions. Overconfidence does not influence financing decisions.
FAKTOR-FAKTOR YANG MEMPENGARUHI NILAI PERUSAHAAN DENGAN KEBIJAKAN DIVIDEN SEBAGAI VARIABEL MODERASI Farid Muhammad Rofifudin; Wida Purwidianti; Sri Wahyuni; Akhmad Darmawan
Jurnal Proaksi Vol. 10 No. 2 (2023): April - Juni
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v10i2.3838

Abstract

Dunia investasi saat ini berada di era tidak stabil, tidak pasti, kompleks, dan ambigu atau dapat disebut dengan VUCA. Akronim tersebut digunakan pertama kalinya di Angkatan Darat AS, pada akhir 1980-an untuk menentukan kondisi yang dihadapi para pemimpin militer di perang Whiteman, (1998). Hal ini diketahui dengan tidak stabilnya pasar modal dalam beberapa tahun ini. Tujuan penelitan ini untuk menguji faktor- faktor yang mempengaruhi nilai perusahaan dengan kebijakan dividen sebagai variabel moderasi. Sampel penelitian menggunakan perusahaan yang terdaftar pada indeks LQ45 BEI periode 2016- 2020. Analisis yang digunakan dalam penelitian ini yaitu uji statistik deskriptif, uji asumsi klasik, analisis regresi linier berganda, uji kecocokan model, dan uji hipotesis. Berdasarkan hasil penelitian yang telah dilakukan, menunjukkan bahwa profitabilitas dan kepemilikan institusional berpengaruh positif signifikan terhadap nilai perusahaan. Namun demikian likuiditas, leverage & kebijakan dividen tidak berpengaruh terhadap nilai perusahaan. Adapun kebijakan dividen mampu memoderasi pengaruh profitabilitas terhadap nilai perusahaan secara signifikan. Akan tetapi kebijakan dividen tidak mampu untuk memoderasi likuiditas, leverage dan kepemilikan institusional pada indeks LQ45 periode 2016 - 2020. Penelitian ini berkontribusi bagi investor sebagai pertimbangan dalam pengambilan keputusan ketika berinvestasi.
DETERMINASI PERILAKU MENABUNG GENERASI Z: DENGAN LITERASI KEUANGAN SEBAGAI PEMEDIASI Riri Ariyanti; Wida Purwidianti; Suryo Budi Santoso; Bima Cinintya Pratama
Jurnal Proaksi Vol. 11 No. 4 (2024): Oktober - Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v11i4.6540

Abstract

Financial literacy is information on financial management as a basic need for individuals to improve community welfare and avoid financial problems by getting used to saving behavior. This study aims to examine the influence od social factors (parents and peers), self-control, and financial education on saving behavior among Generation Z, with financial literacy serving as a mediating variable. The population of this study comprises Generation Z individuals aged 15-29 years in there regencies in Central Java, namely Banjarnegara, Purbalingga, and Banyumas (barlingmas), totaling 888,447 people. Data analysis conducted using SEM PLS. From the research results, it shows that social factors, self-control, financial education do not have a significant influence on saving behavior. While social factors, self-control are not mediated by financial literacy but financial education is mediated by financial literacy. This study shows the importance of financial literacy and financial education for Generation Z in Barlingmas Regency which will have a positive influence on saving behavior.
Peran Perilaku Keuangan dalam Meningkatkan Kesejahteraan Keuangan di Era Digital Dania Febriana; Wida Purwidianti; Sri Wahyuni; Bima Cinintya Pratama
Jurnal Proaksi Vol. 12 No. 4 (2025): Oktober - Desember
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v12i4.8021

Abstract

Main Purpose - The purpose of this study is to analyze the influence of digital financial literacy and financial inclusion on the financial well-being of female MSME actors, with financial behavior as a mediating variable Method - The method used is a quantitative approach with the SEM-PLS 3 analysis technique. The data was collected through a questionnaire distributed to 100 female MSME actors in three regencies in the Java Tengan region (Cilacap, Purbalingga and Banyumas). Main Findings - This study proves that digital financial literacy has a direct and indirect effect on financial well-being through financial well-being. Direct and mediated effects were not found on the relationship between financial inclusion and financial well-being Theory and Practical Implications -This study has implications for the development of planned behavior theory, especially the financial behavior of MSME owners. The research provides policy implications to stakeholders in the development of women MSMEs Novelty - The novelty of this research lies in testing financial behavior as a mediating variable between digital financial literacy and financial inclusion in financial well-being
Co-Authors Aditya, Yogga Aeni, Nurul Nur Afnan Hanif Nafaro Ainun Nizmah, Kemala Akbar, Mochammad Akhmad Darmawan Akhmad Darmawan Akmal Elmas Alrofi Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado, Alfalisyado Alfato Yusnar Kharismasyah Alfato Yusnar Kharismasyah Ana Tasya Fitriani Anindita, Kurniasih Setya Annisa Ilma Hartikasari Aqila Jihan Putri Rahardin Ardya Rimellaika Arini Hidayah, Arini Aryoko, Yudhistira Pradhipta Asy-Syifa, Muhammad Rasyid Azzahara, Cantik Tiara Maharani Bagis, Fatmah Bima Cinintya Pratama Budi Santoso, Suryo Cahyani, Ica Dwi Cahyaningsih, Irshania Ayu Cindy Salawatan Trisyanti Damayanti, Dika Dania Febriana Dian Papulasih Dian Widyaningtyas Difandika Yudi Firmansyah Dita Ardianti Dwi Kartika wahyuningsih Dwi Vina Rahmawati Eka Yuli Purwita Eko Hariyanto Elora Fitri Solihfahmi, Tsabitah Erna Handayani Ernawati, Yuniar Erny Rachmawati Fahitaratih, Syafira Maistin Farid Muhammad Rofifudin Fatmah Bagis Febriana Hidayanti Febriansyah, Wivan Febrianti, Fika Fendy Ninggar Haryanto Firlian Fikri Egyansyah Fitir Riasi, Fatikhah Fitriati, Azmi Florida Mandiriani Suwaji Giyarda Maulana Gladisya Zafira Azzahra Handayani, Erna Haq, Irdhiana Ilma Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Hermin Endratno Herni Justiana Astuti Herni Justiana Astuti Ifatunisa, Mutia Ika Yustina Rahmawati Ika Yustina Rahmawati Ines Putri Adna Zein Iwan Fakhruddin Iwan Fakhruddin Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Lahan Adi Purwanto Lestiana, Eli Luthfi Zamakhsyari Maharani, Annisa Dwi Maulida Nurul Innayah Maulidina, Azizah Ma’ruf, Anwar Ma’ruf, Nasir Melliana, Sinta Bella Meydy Fauziridwan Miftahuddin, Muchammad Agung Mody Nurhidayati Mudjiyanti, Rina Muhammad Faqih Rachman, Faqih Muhammad Ghiffary Ar Ridho Firdauz Muhammad Javier Fausta Azaria Muhammad Rasyid Asy-Syifa Mujirahayu, Tri Septin Mukromiin, Ramadhan Khoerul Naelati Tubastuvi Naelati Tubastuvi Naelati Tubastuvi Nawalin Nazah Nawalin Nazah Nazah, Nawalin Nugroho, Bambang Haryo Nur Apni Wulandari Nur Hamam, Zaki Nurjannah, Afifah Zahroh Pamungkas, Ibnu Pandabandjal, Asmarani Petra, Dany Nofrizal Pramesti, Shasa Pratamasari, Mega Aprillia Priandhita Wibawanti Pujiati Utami Puput Purwanti Purnadi Purnadi Purnadi Purnadi, Purnadi Putri Nur Amira Rahma Winda, Silvi Rahmawati, Ika Yustina Randikaparsa, Irawan Rania Nur Ainun Razita Izza Istiqomah Refaldy Barry Saputra Resti Meilani Restu Frida Utami Retno Dwiyanti Riri Ariyanti Roslan, Nur Hafiza Salsabila Tama Rosita Santhy Hawanti Sekar Laras Ati Selamat Eko Budi Santoso Setiyaningrum, Anggun Shelia Anjarani Sinta Bella Melliana Sinta Dwi Febriyanti Slamet Budi Santoso Sofwatunnisa, Novi Sri Wahyuni Sri Wahyuni Sri Wahyuni Sungkar, Hani Lutpiah Suryo Budi Santoso Susi Wardhani Suwartono Suwartono Suyoto Suyoto Syahreiza, Muhammad Syarila Asri Febiani Syifaramadan, Choiruddin Totok Haryanto Tri Na'imah Tri Septin Muji Rahayu Tri Septin Muji Rahayu, Tri Septin Tri Septin Mujirahayu Tubagus Zuhdan Azis Tuti Juniarsih Wahid, Dimas Lanang Rizky Watemin, Watemin Wiasih, Dina Retno Widhidanono, Hengky Widyaningtyas, Dian Winda Rizky Anggraeni Wulan Ndatika, Utyea Yudhistira Pradhipta Aryoko Yusnar Kharismasyah, Alfato Yusnar, Alfato Yustina Rahmawati, Ika Zaen, Mudrikah Zakaria, Yoga Zain Zein, Ines Putri Adna