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All Journal Research Report - Social Science Jurnal Ilmiah Ekonomi Islam Jurnal Kreativitas PKM Jurnal Pengabdian Dharma Laksana Jurnal Teknologi dan Manajemen Industri Jurnal Muara Ilmu Ekonomi dan Bisnis Community Engagement and Emergence Journal (CEEJ) Madaniya Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal PADMA: Pengabdian Dharma Masyarakat Journal of Innovation and Community Engagement Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Riset dan Inovasi Manajemen
Vincentia Wahju Widajatun, Vincentia Wahju
Faculty Of Economics And Business Universitas Widyatama, Bandung, Indonesia
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Public Health Social Sciences Other

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THE INFLUENCE OF BANK CHARACTERISTICS ON FINANCIAL PERFORMANCE WITH INTELLECTUAL CAPITAL AS INTERVENING VARIABLE Susanti, Neneng; Sumantri, Muhammad Bayu Aji; Mukhlis, Tanti Irawati; Widajatun, Vincentia Wahju
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 6 No 2 (2022): Edisi Mei - Agustus 2022
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1463.819 KB) | DOI: 10.31955/mea.v6i2.2297

Abstract

This study aims to examine the effect of bank characteristics on financial performance using 7 financial proxies on bank characteristics from market concentration of third party funds (HDPK), credit market concentration (HLOA), capital adequacy (CAR), bank liquidity (LDR), bank efficiency. (BOPO), non-performing loans (NPL), leverage (LEV), and Financial Performance with the proxy of Return On Assets (ROA) as the dependent variable and Intellectual Capital as the Intervening variable. Secondary data gathering is the method used for data collecting in this study. This study focuses on Indonesian National Commercial Banks. According to the findings of this study, there is a substantial relationship between Bank Characteristics and Financial Performance, as indicated by a T-statistic of (5.360 > 1.96) and a coefficient of 0.838. With a T-statistic of (4,089 > 1.96), and a coefficient of 0.626, the influence of bank features on intellectual capital is statistically significant. In addition, the Effect of Intellectual Capital on Financial Performance is not statistically significant (0.304 1.96, coefficient = -0.058).
Analisis Transformasi Halal Awerness dan Teknologi Blockchain Terhadap Penguatan Halal Value Chain Di Indonesia Kharisya Ayu Effendi; Tanti Irawati Mukhlis; Oliver Hasan Padmanegara; Vincentia Wahju Widajatun
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10383

Abstract

The purpose of this study is to see whether Halal Awernes can influence the strengthening of the Halal Value Chain, also to see whether Blockchain Technology can affect the strengthening of the Halal Value Chain. This research method uses a quantitative method that proves the theory or results of previous research. The data used are SMEs in Indonesia, with a random sampling method using the formula according to (HOSMER et al., 1997). So that the obtained data that must be taken amounted to 96 respondents throughout Indonesia. Data analysis uses SPSS 26. The results of this study are Halal Awerness and Blockchain Technology have a positive and significant effect on the Halal Value Chain. This means that, the higher the halal awerness of MSMEs towards halal products will further strengthen the implementation of the Halal Value Chain in Indonesia. The higher understanding and use of blockchain technology in MSMEs will further strengthen the implementation of the Halal Value Chain in Indonesia.
Pengaruh Kebijakan Dividen Terhadap Nilai Perusahaan (Studi Kasus Perusahaan Lq-45) Reva Yuliani; Vincentia Wahju Widajatun
Jurnal Riset dan Inovasi Manajemen Vol. 1 No. 2 (2023): Mei : Jurnal Riset dan Inovasi Manajemen
Publisher : Universitas Katolik Widya Karya Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v1i2.950

Abstract

Dividend distribution by companies listed on the Indonesia Stock Exchange is a consideration of investors in making investments. Dividend policy considers how much dividends will be paid, the frequency of dividend payments, and the method of dividend payments, both in cash and in the form of stock dividends. The decisions of these investors affect the price of shares on the stock exchange. The market price of a company's shares formed between buyers and sellers during a transaction is called the company's market value, because the price on the stock exchange is considered a reflection of the real value of the company's assets. The stock price in the market shows the performance of the company. This study shows the relationship between dividend policy and PBV which reflects company performance. By using quantitative research methods. It can be concluded that dividend policy affects PBV..
Navigating the Commodity Rollercoaster: Efficiency, Firm Size and Profitability in Mining Manufacturing under Price Volatility (2020-2024) Salsabila, Annisa; Widajatun, Vincentia Wahju
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.5490

Abstract

This study analyzes the profitability of mining manufacturing companies in Indonesia, focusing on the period of high commodity price volatility from 2020 to 2024. The objective is to examine the influence of operational efficiency and firm size on profitability (EBITDA Margin), as well as the moderating role of commodity price volatility in this relationship. The method used is quantitative, with panel data from 53 companies listed on the Indonesia Stock Exchange (IDX), analyzed using panel data regression with the Fixed Effects model. The results prove that operational efficiency has a negative effect on profitability, and firm size also has a negative effect on profitability. Commodity price volatility strengthens the positive effect of operational efficiency but, conversely, weakens the negative effect of firm size on profitability. In times of price uncertainty, operational efficiency becomes a more crucial factor in determining profitability resilience than the size of the firm.
Pengaruh Profitabilitas, Likuiditas, dan Leverage terhadap Nilai Perusahaan dengan Ukuran Perusahaan Sebagai Variabel Moderasi (Studi Pada Perusahaan Sub Sektor Building Contruction yang Terdaftar di Bursa Efek Indonesia Periode 2019-2024) Indah, Annisa Nurpuspa; Widajatun, Vincentia Wahju
Community Engagement and Emergence Journal (CEEJ) Vol. 6 No. 5 (2025): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v6i5.8997

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Profitabilitas, Likuiditas, dan Leverage terhadap Nilai perusahaan (PBV) Dengan ukuran perusahaan sebagai variabel moderasi pada Perusahaan sub sektor konstruksi bangunan yang Terdaftar di Bursa Efek Indonesia tahun 2019-2024. Metode penelitian yang digunakan dalam penelitian ini yaitu metode desktiptif dan asosiatif dengan menggunakan pendekatan kuantitatif. Populasi dari penelitian ini adalah seluruh perusahaan yang terdaftar ke dalam sub Sektor konstruksi bangunan yaitu sebanyak 31 perusahaan. Berdasarkan metode purposive sampling, sampel penelitian yang diperoleh sebanyak 15 perusahaan sehingga diperoleh 90 data observasi. Jenis data yang digunakan adalah data sekunder yang diperoleh dari website Bursa Efek Indonesia. Teknik analisis data yang digunakan adalah analisis regresi data panel serta analisis regresi moderasi. Hasil penelitian ini menunjukkan bahwa profitabilitas dan leverage tidak berpengaruh terhadap Nilai Perusahaan sedangkan Likuiditas berpengaruh terhadap Nilai Perusahaan. Selanjutnya, ukuran perusahaan dapat memoderasi (memperkuat) hubungan antara profitabilitas terhadap nilai perusahaan, sedangkan ukuran perusahaan dapat memperlemah hubungan antara likuiditas terhadap nilai perusahaan, lalu ukuran perusahaan tidak dapat memoderasi hubungan antara leverage terhadap nilai perusahaan.
PENGARUH TINGKAT PENDAPATAN DAN RISK TOLERANCE TERHADAP KEPUTUSAN INVESTASI DENGAN MEDIASI LITERASI KEUANGAN DI LINGKUNGAN BANK BJB CABANG BUAH BATU Wardani, Twinadya Adryan; Widajatun, Vincentia Wahju
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.5286

Abstract

Studi ini memiliki tujuan untuk mengevaluasi bagaimana pendapatan dan toleransi risiko memengaruhi keputusan investasi dengan mempertimbangkan peran listerasi keuangan sebagai penghubung tidak langsung. Dalam proses pengambilan keputusan investasi, perilaku investor sangat dipengaruhi oleh dua hal krusial: kecukupan pendapatan dan kemampuan mengelola risiko. Disisi lain, literasi keuangan (kemampuan memahami instrumen keuangan) dianggap sebagai faktor penengah yang memperkuat keterkaitan antara pendapatan, risk tolerance, dan keputusan investasi. Metode survei digunakan sebagai teknik penngumpulan data dalam penelitian kuantitatif ini. Responden yang memiliki pengalaman berinvestasi di berbagai instrumen keuangan diminta untuk mengisi kuesioner guna memperoleh data yang diperlukan. Penelitian ini menggunakan pendekatan statistik Structural Equation Modelling (SEM) untuk menguji hubungan antara pendapatan, toleransi risiko, keputusan investasi, dan literasi keuangan. Temuan menunjukkan bahwa tolereansi risiko dan pendapatan memiliki dampak signifikan terhadap keputusan investasi. Lebih lanjut, literasi keuangan berfungsi sebagai variabel mediasi, menunjukkan bahwa tingkat pengetahuan keuangan yang lebih tinggi memperkuat pengaruh pendapatan dan toleransi risiko terhadap pilihan investasi.
Pentingnya Literasi Keuangan Pada Generasi Z (Studi Pada Siswa SMA dan SMK di Kota Bandung) Susanti, Neneng; Mukhlis, Tanti Irawati; Aji, Muhammad Bayu; Hasan, Oliver; Yanida, Pebri; Widajatun, Vincentia Wahju
Jurnal Kreativitas Pengabdian Kepada Masyarakat (PKM) Vol 7, No 10 (2024): Volume 7 No 10 (2024)
Publisher : Universitas Malahayati Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33024/jkpm.v7i10.14542

Abstract

ABSTRAK Pada era digitalisasi ekonomi semua kebutuhan dapat dengan cepat dan mudah dijangkau. Kenyamanan, kemudahkan akses dan kecepatan sudah memanjakan dalam prosesnya. Dengan adanya teknologi ini sangat membantu manusia dalam mencukupi kebutuhannya. Tentunya arus yang besar ini akan memberi dampak positif dan negatif kepada semua kalangan, khususnya kalangan generasi Z dan milenial. Literasi keuangan menjadi isu utama dan menjadi salah satu  kebijakan yang secara terus menerus dilakukan oleh pemerintah. Financial Fitness Index OCBC NISP merupakan hasil studi kolaboratif antara OCBC NISP dan NielsenIQ mengkaji sikap dan perilaku pengelolaan keuangan serta cara meningkatkannya  untuk menggambarkan kesehatan keuangan generasi muda Indonesia. Jumlah penduduk Indonesia saat ini didominasi oleh Gen Z dan Milenial, menurut hasil sensus Badan Pusat Statistik (BPS) 2020. Penduduk yang lahir antara tahun 1997 dan 2012 dikenal sebagai Generasi Z. Jumlah penduduk Gen Z mencapai 75,49 juta jiwa atau 27,94 persen dari total populasi 270,2 juta jiwa (Dukcapil: Jumlah Penduduk Indonesia Sebanyak 275,36 Juta Pada Juni 2022, n.d.). Generasi Z memiliki karakteristik fasih teknologi, berinteraksi dengan sosial media, ekspresif yang cenderung toleran dan multitasking. Dengan perkembangan teknologi yang ada disertai dengan karakteristik generasi Z, sangat memungkinkan untuk memiliki sikap konsumerisme pada generasi Z dan adanya kebutuhan terhadap literasi keuangan. Generasi Z yang memiliki pengetahuan akan pengelolaan keuangan seperti menabung, tidak selalu pasti memiliki perilaku menabung. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan dewasa muda masih sangat rendah meskipun mereka tergolong financially active—terbukti dari kepemilikan kartu kredit. Tingkat literasi keuangan akan meningkat seiring dengan meningkatnya pendidikan. Tingkat literasi keuangan yang rendah, menunjukan bahwa pengetahuan generasi milenial akan tabungan dan pinjaman, asuransi dan investasi masih rendah. Kata Kunci:  Financial Literacy, Personal Finance, Financial Technology  ABSTRACT  In the era of economic digitalization, all needs can be reached quickly and easily. Convenience, ease of access and speed have spoiled the process. With this technology, it greatly helps humans in meeting their needs. Of course, this large flow will have positive and negative impacts on all groups, especially generation Z and millennials. Financial literacy is a major issue and is one of the policies that is continuously implemented by the government. The OCBC NISP Financial Fitness Index is the result of a collaborative study between OCBC NISP and NielsenIQ examining attitudes and behaviors in financial management and how to improve them to describe the financial health of Indonesia's young generation. The current population of Indonesia is dominated by Gen Z and Millennials, according to the results of the 2020 Central Statistics Agency (BPS) census. The population born between 1997 and 2012 is known as Generation Z. The population of Gen Z reached 75.49 million people or 27.94 percent of the total population of 270.2 million people (Dukcapil: The Population of Indonesia is 275.36 Million in June 2022, n.d.). Generation Z has the characteristics of being fluent in technology, interacting with social media, expressive who tend to be tolerant and multitasking. With the development of existing technology accompanied by the characteristics of generation Z, it is very possible to have a consumerist attitude in generation Z and the need for financial literacy. Generation Z who have knowledge of financial management such as saving, do not always have saving behavior. The results of the study show that the level of financial literacy of young adults is still very low even though they are classified as financially active—as evidenced by the ownership of credit cards. The level of financial literacy will increase along with increasing education. The low level of financial literacy shows that the knowledge of the millennial generation about savings and loans, insurance and investment is still low.  Keywords: Financial Literacy, Personal Finance, Financial Technology
Analisis Transformasi Halal Awerness dan Teknologi Blockchain Terhadap Penguatan Halal Value Chain Di Indonesia Effendi, Kharisya Ayu; Mukhlis, Tanti Irawati; Padmanegara, Oliver Hasan; Widajatun, Vincentia Wahju
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10383

Abstract

The purpose of this study is to see whether Halal Awernes can influence the strengthening of the Halal Value Chain, also to see whether Blockchain Technology can affect the strengthening of the Halal Value Chain. This research method uses a quantitative method that proves the theory or results of previous research. The data used are SMEs in Indonesia, with a random sampling method using the formula according to (HOSMER et al., 1997). So that the obtained data that must be taken amounted to 96 respondents throughout Indonesia. Data analysis uses SPSS 26. The results of this study are Halal Awerness and Blockchain Technology have a positive and significant effect on the Halal Value Chain. This means that, the higher the halal awerness of MSMEs towards halal products will further strengthen the implementation of the Halal Value Chain in Indonesia. The higher understanding and use of blockchain technology in MSMEs will further strengthen the implementation of the Halal Value Chain in Indonesia.
Literasi Keuangan untuk Sustainable Development Goals: Workshop Pengenalan Aplikasi Laporan Keuangan Sederhana bagi Pengurus dan Anggota Rahastra CU Kota Bandung Widajatun, Vincentia Wahju; Mukhlis, Tanti Irawati; Susanti, Neneng; Sumantri, Muhammad Bayu Aji; Padmanegara, Oliver Hasan; Yanida, Pebri
Jurnal Kreativitas Pengabdian Kepada Masyarakat (PKM) Vol 9, No 1 (2026): Volume 9 Nomor 1 (2026)
Publisher : Universitas Malahayati Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33024/jkpm.v9i1.21059

Abstract

ABSTRACT The increasingly dynamic development of the financial sector requires an increase in financial literacy for the community, especially for Micro, Small, and Medium Enterprises (MSMEs). Low financial literacy can lead to less than optimal financial management, thus having a negative impact on business performance and sustainability. This study seeks to enhance the comprehension of financial literacy among MSME participants through the Community Service (PkM) initiative in partnership with Rahastra Cooperative. The approach employed in this program includes lectures and tutorials that offer knowledge and training on utilizing digital financial recording applications for MSME operators. The training outcomes indicate that the adoption of digital technology for financial recording assists MSMEs in generating more organized financial reports, thereby improving their access to financing and enhancing their financial management practices. Therefore, boosting technology-driven financial literacy can serve as an effective means to elevate the competitiveness and long-term viability of MSMEs.. Keywords: Financial Literacy, Msmes, Digital Financial Recording, Financial Applications, Financial Management.  ABSTRAK Perkembangan sektor keuangan yang semakin dinamis menuntut peningkatan literasi keuangan bagi masyarakat, terutama bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM). Literasi keuangan yang rendah dapat menyebabkan pengelolaan keuangan yang kurang optimal, sehingga berdampak negatif pada kinerja dan keberlanjutan usaha. Penelitian ini bertujuan untuk meningkatkan pemahaman literasi keuangan bagi pelaku UMKM melalui program Pengabdian Kepada Masyarakat (PkM) yang bekerja sama dengan Koperasi Rahastra. Metode yang digunakan dalam kegiatan ini adalah ceramah dan tutorial yang memberikan wawasan serta pelatihan penggunaan aplikasi pencatatan keuangan digital bagi pelaku UMKM. Hasil pelatihan menunjukkan bahwa penggunaan teknologi digital dalam pencatatan keuangan membantu UMKM dalam menyusun laporan keuangan yang lebih sistematis, sehingga dapat meningkatkan akses mereka terhadap pendanaan serta memperbaiki pengelolaan keuangan usaha. Dengan demikian, peningkatan literasi keuangan berbasis teknologi dapat menjadi solusi efektif dalam meningkatkan daya saing dan keberlanjutan UMKM. Kata Kunci: Literasi Keuangan, UMKM, Pencatatan Keuangan Digital, Aplikasi Keuangan, Pengelolaan Keuangan.
Co-Authors Abdul Rozak Effendi, Kharisya Ayu Francisca Kristiastuti Hasan, Oliver Ichsani, Sakina Ida Nuraida Indah, Annisa Nurpuspa Ivan Gumilar Sambas Putra Ivan Sambas Putra Lilian Danil Muhammad Bayu Aji Muhammad Bayu Aji Sumantri Mukhlis, Tanti Irawati Neneng Susanti Nugi Mohammad Nugraha Nugi Muhammad Nugraha Nugraha, Nugi M Oliver Hasan Padmanegara Padmanegara, Oliver Hasan Pebri Yanida Pebri Yanida, Pebri Reva Yuliani SALSABILA, ANNISA Sumantri, Muhammad Bayu Aji Supardi Supardi Susanti, Neneng Tanti Irawati Mukhlis Wardani, Twinadya Adryan Yuliani, Reva