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All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences BULETIN BISNIS & MANAJEMEN (BBM)
Daisy Martina Rosyanti
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Mediation Role of External Locus of Control on the Influence of Financial Attitude and Financial Knowledge on Financial Management Behavior Mentari Clara Dewanti; Daisy Martina Rosyanti; Fani Khoirotunnisa
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 4 (2022): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i4.7142

Abstract

This study aims to determine how the external locus of control mediates the influence of financial attitudes and financial knowledge on financial management behavior. Data was collected using a questionnaire distributed online to students majoring in management belonging to class Z UPN "Veteran" East Java. In this study, the SEM method used is Structural Equation Modeling based on Partial Least Square. Based on the results of data analysis that has been carried out, it was found that financial attitudes and external locus of control have a positive effect on financial management behavior. However, the difference in results shown by students' financial knowledge has no impact on their behavior in managing finances. The external locus of the control variable has a significant influence in mediating the effect of financial expertise on financial management behavior. An individual with sound financial knowledge can create a high external locus of control from individuals that impact awareness in increasing financial management behavior. Further research is directed to develop a research model with more diverse objects to gain a more comprehensive understanding, for example, Generation Z in other cities.
PRODUCT COMPETITIVENESS DEVELOPMENT THROUGH MODULATION-BASED INNOVATION AND REDUCTION OF EFFORTS Mentari Clara Dewanti; Daisy Martina Rosyanti; Fani Khoirotunnisa
BBM (Buletin Bisnis & Manajemen) Vol 9, No 2 (2023): Vol. 09 No. 02, Tahun 2023
Publisher : Universitas YPPI Rembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47686/bbm.v9i2.566

Abstract

Competition in an increasingly competitive business  is one of the  threats for every entrepreneur, they are required to be able to maintain and increase product sales in the midst of this competition, so efforts are needed to improve and change the products produced for the better and have competitiveness. The necessary effort is to innovate which aims to maintain and increase product sales volume. Innovation can be done based on modulation that involves changing the basic characteristics of the product through the increase or decrease of those characteristics. In addition, it can use innovation-based reduction efforts that do not change the product, but through changes to the increase in size on the market. The purpose of this study is to determine the role of modulation-based innovation and reducing efforts in developing product competitiveness in the Pia Latief Home Industry. This research is  a field research and uses a qualitative approach. In data analysis, it includes data reduction, data presentation (display data), and conclusion drawing or verification. The results of this study show that innovation plays a role in developing product competitiveness as evidenced by an increase in sales volume as evidenced by an increase in sales starting in 2018-2021. The increase is due to modulation-based and effort-based product innovation.
Co-Authors Fani Khoirotunnisa Mentari Clara Dewanti Mentari Clara Dewanti