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Analysis of The Effect Earnings Management, Financial Ratios, Governance On Bond Hartono; Krisdiana; Cuk Jaka Purwanggono; Samuel PD Anantadjaya; Teguh Setiawan Wibowo
Quantitative Economics and Management Studies Vol. 3 No. 6 (2022)
Publisher : PT Mattawang Mediatama Solution

The purpose of this study is to analyze the concentration on board profit factors, the proportion of liquidity, administrative ownership and review quality used to anticipate organizational security ratings. This study intends to provide experimental evidence that board income, monetary proportion and corporate administrative mechanisms affect security ratings. The subject of this exploration is an organization listed on the IDX and registered in Indonesia, PT. PEFINDO 2016-2019. Information check using strategic relapse investigation. The results showed that executive earnings, the proportion of liquidity, administrative ownership and review quality had an effect on bond ratings. While action proportion, market price proportion, institutional ownership and free head have no impact on security evaluation.

Internal Control System Analysis of Merchandise Supply at PT. Indomarco Prismatama (Indomaret) Wr. Supratman South Tangerang Krisdiana Krisdiana; Muhamad Saddam; Hasbu Naim Syaddad; Dadang Yudih; Nur Ainiyah Dini Rizky
Kontigensi : Jurnal Ilmiah Manajemen Vol 10 No 2 (2022): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v10i2.312

The research aims to analyze internal control procedures for merchandise inventory at PT Indomarco Prismatama (Indomaret) WR Supratman, South Tangerang. In this study using a type of qualitative descriptive research that is by describing the object of research at the current state based on the facts as they are, then analyzed and interpreted, the form is in the form of surveys and developmental studies. And based on the analysis carried out, it was found that the procedure for inventory of merchandise at PT. Indomarco Prismatama (Indomaret) WR Supratman South Tangerang is not good enough, where in the process of issuing goods the clerk only receives proof of the number of goods ordered and when distributing merchandise the warehouse clerk does not record real time or update the stock of the number of goods to be distributed.

Pengaruh Asset Growth dan Total Asset Turn Over Terhadap Return on Asset pada PT. Holcim Indonesia, Tbk Periode 2010-2022 Krisdiana Krisdiana; Muhamad Saddam; Hasbu Naim Syaddad; Dadang Yudih; Nur Ainiyah Dini Rizky
Jurnal Ekonomi Efektif Vol 5, No 3 (2023): JURNAL EKONOMI EFEKTIF
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JEE.v5i3.29533

Penelitian ini bertujuan untuk mengetahui Pengaruh Asset Growth dan Total Asset Turn Over Terhadap Return on Asset Pada PT Holcim Indonesia, Tbk Periode 2010-2022. Metode yang digunakan adalah explanatory research. Teknik analisis menggunakan analisis statistik dengan pengujian regresi, korelasi, determinasi dan uji hipotesis. Hasil penelitian ini Asset Growth tidak memiliki pengaruh signifikan terhadap Return on Asset sebesar 6,8%, uji hipotesis diperoleh t hitung < t tabel atau (-0,894 < 2,201). Total Asset Turn Over berpengaruh signifikan terhadap Return on Asset sebesar 46,5%, uji hipotesis diperoleh t hitung > t tabel atau (3,094 > 2,201). Asset Growth dan Total Asset Turn Over secara simultan berpengaruh signifikan terhadap Return on Asset diperoleh persamaan regresi Y = 10,700 + -0,203X1 + 10,323X2 dan nilai determinasi sebesar 59,5%, uji hipotesis diperoleh nilai F hitung > F tabel atau (7,343 > 3,710).

THE INFLUENCE OF DECENTRALIZED FINANCE (DEFI) ON GLOBAL FINANCIAL STABILITY: AN EMERGING CHALLENGE Loso Judijanto; I Ketut Kusuma Wijaya; Krisdiana Krisdiana; Imam Jayanto; Samuel PD Anantadjaya
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 5 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i6.12379

Decentralized Finance (DeFi) has emerged as a transformative force in the financial sector, offering peer-to-peer financial services without traditional intermediaries such as banks. By utilizing blockchain technology and smart contracts, DeFi enables greater accessibility, transparency, and efficiency in financial transactions. However, the rapid expansion of DeFi poses significant challenges to global financial stability. This literature review explores the impact of DeFi on systemic risks, regulatory frameworks, and the traditional banking sector. While DeFi offers opportunities for financial inclusion and innovation, it also introduces new risks related to cybersecurity, liquidity, and market volatility. The absence of standardized regulations across jurisdictions exacerbates these risks, creating vulnerabilities in the global financial system. Furthermore, the interconnection between DeFi markets and traditional financial institutions increases the potential for spillover effects during periods of financial stress. This paper highlights the need for a balanced regulatory approach that fosters innovation while safeguarding financial stability. As DeFi continues to evolve, understanding its influence on global financial stability becomes increasingly important for policymakers, regulators, and financial institutions.

The Effect of Risk and Return on Mutual Fund Investment Decisions at Cirebon City Securities Addin Zainul Adha; Krisdiana; Benny Dhevyanto
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.900

This study aims For study influence risk and return on decision investment mutual funds to investors who invest through company securities in Cirebon City, considering rapid development mutual funds that demand understanding balanced between level risk and potential return in taking decision investment . Research use approach quantitative with type of explanatory research, where primary data is collected through distributed questionnaires to 100 mutual fund investors in Cirebon City according to criteria research , then analyzed use Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with help SmartPLS . Measurement model evaluation results show all over indicator has fulfil criteria validity and reliability , while structural model evaluation produce mark coefficient high determination , indicating that variables risk and return capabilities explain part big variation decision investment mutual funds . Testing hypothesis prove that risk and return influence positive and significant to decision investment , good in a way partial and simultaneously , so that can concluded that investor perception of risk as well as expected return holding role important in determine decision investment mutual funds , at the same time give contribution theoretical for development study investment and benefits practical for investors as well company securities in push taking decision rational and sustainable investment .

FINANCIAL LITERACY, IMPULSIVE BUYING, AND FINANCIAL STRESS AMONG GENERATON Z: THE MEDIATING ROLE OF CONSUMER DEBT Vika Nabilla Amwa; Krisdiana Krisdiana
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.951

Advances in digital financial services, especially consumer credit schemes such as buy now, pay later (BNPL), facilitate transactions; however, they also have the potential to cause financial stress if not accompanied by adequate financial literacy and management. This condition is particularly relevant for Generation Z, who have broad access to various digital credit services. This study aims to analyze the influence of financial literacy and impulsive buying behavior on financial stress, with consumer debt as a mediating variable. A quantitative approach was employed through a survey of 150 Generation Z respondents aged 18–27 years in the Cirebon area, selected using purposive sampling. Data were collected באמצעות a Likert-scale questionnaire and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. The results indicate that financial literacy has a significant effect on financial stress and consumer debt levels. Meanwhile, impulsive buying does not have a direct effect on financial stress but has a significant effect on consumer debt. Furthermore, consumer debt has a significant effect on financial stress and acts as a mediating variable in the relationship between financial literacy and impulsive buying on financial stress. These findings suggest that consumer debt is a key mechanism explaining how financial literacy and consumptive behavior influence the level of financial stress among Generation Z.

The Effect of Risk and Return on Mutual Fund Investment Decisions at Cirebon City Securities Addin Zainul Adha; Krisdiana; Benny Dhevyanto
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.900

This study aims For study influence risk and return on decision investment mutual funds to investors who invest through company securities in Cirebon City, considering rapid development mutual funds that demand understanding balanced between level risk and potential return in taking decision investment . Research use approach quantitative with type of explanatory research, where primary data is collected through distributed questionnaires to 100 mutual fund investors in Cirebon City according to criteria research , then analyzed use Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with help SmartPLS . Measurement model evaluation results show all over indicator has fulfil criteria validity and reliability , while structural model evaluation produce mark coefficient high determination , indicating that variables risk and return capabilities explain part big variation decision investment mutual funds . Testing hypothesis prove that risk and return influence positive and significant to decision investment , good in a way partial and simultaneously , so that can concluded that investor perception of risk as well as expected return holding role important in determine decision investment mutual funds , at the same time give contribution theoretical for development study investment and benefits practical for investors as well company securities in push taking decision rational and sustainable investment .

FINANCIAL LITERACY, IMPULSIVE BUYING, AND FINANCIAL STRESS AMONG GENERATON Z: THE MEDIATING ROLE OF CONSUMER DEBT Vika Nabilla Amwa; Krisdiana Krisdiana
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.951

Advances in digital financial services, especially consumer credit schemes such as buy now, pay later (BNPL), facilitate transactions; however, they also have the potential to cause financial stress if not accompanied by adequate financial literacy and management. This condition is particularly relevant for Generation Z, who have broad access to various digital credit services. This study aims to analyze the influence of financial literacy and impulsive buying behavior on financial stress, with consumer debt as a mediating variable. A quantitative approach was employed through a survey of 150 Generation Z respondents aged 18–27 years in the Cirebon area, selected using purposive sampling. Data were collected באמצעות a Likert-scale questionnaire and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. The results indicate that financial literacy has a significant effect on financial stress and consumer debt levels. Meanwhile, impulsive buying does not have a direct effect on financial stress but has a significant effect on consumer debt. Furthermore, consumer debt has a significant effect on financial stress and acts as a mediating variable in the relationship between financial literacy and impulsive buying on financial stress. These findings suggest that consumer debt is a key mechanism explaining how financial literacy and consumptive behavior influence the level of financial stress among Generation Z.

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