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Improving Personal Financial Management through Financial Technology, Financial Capability, and Spiritual Intelligence as Intervening Variable Erlina Dewi Endah Amaliyah; Bayu Setyo Nugroho
Admisi dan Bisnis Vol 23, No 1 (2022): PEBRUARI 2022
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/ab.v23i1.3477

In this millennial era, we often hear the term of sandwich generation. Therefore, they are required to be able to manage their finance very well, so that all needs can be met. Not only for the sandwich generation, everyone should be able to manage their finance well to achieve financial freedom. There are various ways fo managing finance today, for examples using financial technology (FT), using financial education and being directly involved in financial activities (FC). In addition, spiritual intelligence (SI) or an attitude of self-introspection and self-control is also needed to maximized personal financial management. This study aims to find out how to improve personal financial management through FT, FC, and SI factors. The samples are 100 people in productive age who lived in Central Java. The data collection method used a combination of accidental and purposive sampling. Research questionnaires distributing through social media then analized using SEM PLS. The result show that FT and SI have an effect on PFM. It means that the perceived usefulness and perceive ease of use of using FT, self-introspection and self-control can affect a person’s ability to manage their finance. SI also has a quasi or partial indirect effect on PFM. However, FC have no effect on PFM and SI. Direct involvement in financial activities doesn’t affect a person’s ability to manage their finances. It also doesn’t affect the attitude of self-introspection and self-control. This shows that direct involvement in financial activities doesn’t guarantee a person’s ability to manage their finances

Literasi Keuangan: Investasi Emas Nggak Ada Matinya! Maria Augustine Graciafernandy; Erlina Dewi Endah Amaliyah; Eko Usriyono; Masine Slahanti
Literasi: Jurnal Pengabdian Masyarakat dan Inovasi Vol 2 No 2 (2022)
Publisher : Pengelola Jurnal Politeknik Negeri Ketapang

Understanding of financial literacy is related to a person's ability to be able to manage his finances, including determining the right investment instrument. The results of the survey to the teachers of SMP Kuncup Melati showed that 70% of the teachers felt that investments could only be made with large capital. This PKM was carried out at SMP Kuncup Melati Semarang by offline meeting and collaborated with PT Pegadaian to explain about gold investment. Gold can be used as an investment tool for novice investors as it tends to be stable and safe. The teachers of SMP Kuncup Melati have been given an understanding of the concept and various types of investment, knowledge of how to choose safe, reliable, and affordable investments. The positive response was seen by the interactive communication between the presenters and the participants. The post-activity questionnaires were filled out, and it showed that the teacher's understanding was increasing. The aim of this PKM is that the teachers' insight will be more open and be more critical to various investment products on the market. Furthermore, it is expected that teachers can participate in spreading knowledge about financial literacy to students and the community.

Pelatihan Perpajakan UMKM di SMKN 2 Semarang Bonita Prabasari; Lilik Rohmawati; Erlina Dewi Endah Amaliyah
Literasi: Jurnal Pengabdian Masyarakat dan Inovasi Vol 3 No 1 (2023)
Publisher : Pengelola Jurnal Politeknik Negeri Ketapang

Show Abstract | Download Original | Original Source | Check in Google Scholar

The lack of student skills, especially in the practice of tax reporting and socialization of tax reporting for students, makes training necessary for students, where this understanding will be embedded in the minds of students when they can become taxpayers. Therefore, the community service team at the Semarang University proposed training activities on MSME taxation for students at SMKN 2 Semarang. The purpose of holding this activity is to provide tax reporting practices in accordance with applicable regulations and increase self-awareness to comply with paying taxes. Community service activities in the form of MSME taxation training are packaged in seminars containing hands-on practice, namely the practice of simple income tax calculations, as well as the final tax reporting mechanism (Final Income Tax) using the DJP System in accordance with the latest tax laws. Tax training was held in October 2022 in the SMKN 2 Semarang. After the activity is carried out, the results of the pretest and posttest can be concluded that students can understand the steps for reporting MSME business taxation properly and correctly according to applicable regulations. Therefore, tax training especially for MSMEs must be carried put early on to raise awareness of tax reporting for graduates, especially those who are going to be entrepreneurs and work so that they can carry out MSME business tax reporting practices properly and correctly according to applicable regulations.

Improving market value of textile and garment company through company growth, company financial performance, and macroeconomics Erlina Dewi Endah Amaliyah; Lilik Rohmawati; Scorina Dwiantari
Jurnal Akuntansi Aktual VOLUME 10, NOMOR 1, FEBRUARI 2023
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um004v10i12023p069

AbstractThere are so many studies on the company's market value. However, most studies do not verify the macroeconomic effect on certain industries. Research on macroeconomic as moderators in increasing the company's market value is still limited also. Therefore, macroeconomics (interest rates) presented in this study as a moderator to examine the effect of company growth (increased sales) and company financial performance (ROA) to the company’s market value (PBV). It expected to provide additional information to individuals, lecturers, and business actors on how to increase company market value and what factors must be considered to increase it. The population is all go-public companies, and the samples are manufacturing companies-textile and garment sub-sectors during 2015-2020. Multiple linear regression and SPSS are used as the data analysis technique. The results imply that the increase in sales has no influence on PBV. Even though interest rates have been presented, it still can’t strengthen the effect of increased sales on PBV. ROA influences PBV. However, after presenting interest rates, it turns out that interest rates weaken the influence of the ROA level on PBV. This result shows that macroeconomics can moderate the connection of company financial performance to the company’s market value.AbstrakTerdapat banyak penelitian terdahulu tentang nilai pasar perusahaan. Namun, sebagian besar penelitian tidak melihat pengaruh variabel makroekonomi pada industri tertentu. Penelitian tentang faktor makroekonomi sebagai moderator dalam meningkatkan nilai pasar perusahaan juga belum banyak. Oleh karena itu, penelitian ini menghadirkan makroekonomi yang diproxy oleh suku bunga sebagai moderator untuk menguji pengaruh pertumbuhan perusahaan yang diproxy oleh peningkatan penjualan dan kinerja keuangan perusahaan yang diproxy oleh ROA terhadap nilai pasar perusahaan yang diproxy oleh PBV. Sehingga diharapkan dapat memberikan tambahan informasi kepada individu, dosen, maupun pelaku usaha tentang bagaimana meningkatkan company market value serta faktor apa saja yang harus diperhatikan untuk meningkatkannya. Populasi penelitian yaitu semua perusahaan yang sudah go public. Sedangkan samplenya adalah perusahan manufaktur, subsektor textile dan garment tahun 2015-2020. Penelitian ini menggunakan analisis regresi linear berganda dengan SPSS sebagai teknik analisis data. Menurut hasil uji, peningkatan penjualan tidak berpengaruh terhadap PBV. Meskipun telah dihadirkan suku bunga, ternyata suku bunga tetap tidak mampu memperkuat pengaruh peningkatan penjualan terhadap PBV. Selain itu, dapat diketahui pula bahwa ROA berpengaruh terhadap PBV. Setelah dihadirkan suku bunga, ternyata suku bunga memperlemah pengaruh tingkat ROA terhadap PBV. Hal ini menunjukkan bahwa makroekonomi mampu menjadi moderator bagi kinerja keuangan perusahaan terhadap nilai pasar perusahaan.

LITERASI KEUANGAN DAN PERILAKU KEUANGAN: PERAN VARIABEL MODERASI GRIT Lilik Rohmawati; Erlina Dewi Endah Amaliyah; Bonita Prabasari
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol 14 No 1 (2023): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36694/jimat.v14i1.438

The millennial generation connects with massive technological advances and the gigantic use of the internet, this condition requires millennial to make financial decisions quickly and accurately within one click/swab. Without financial literacy, technological advances that bring ease of shopping, ease of using credit cards and pay later will create a consumptive, burdensome debt, unlikely to afford unexpected expense and excessive use of credit cards. This study aims to examine whether financial literacy affects financial behavior of millenial generation with grit as a moderating variable. Using 137 sample of millennials in Semarang, the SPSS 25 analysis was conducted to test hypothesis. Significant relationship not only found between financial literacy and financial behavior of the millennial generation in Semarang. Furthermore, the findings of this study confirms that grit moderates the relationship between financial literacy and financial behavior.

LITERASI KEUANGAN DAN PERILAKU KEUANGAN: PERAN VARIABEL MODERASI GRIT Rohmawati, Lilik; Amaliyah, Erlina Dewi Endah; Prabasari, Bonita
Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT) Vol. 14 No. 1 (2023): Jurnal Ilmu Manajemen dan Akuntansi Terapan (JIMAT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Totalwin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36694/jimat.v14i1.438

The millennial generation connects with massive technological advances and the gigantic use of the internet, this condition requires millennial to make financial decisions quickly and accurately within one click/swab. Without financial literacy, technological advances that bring ease of shopping, ease of using credit cards and pay later will create a consumptive, burdensome debt, unlikely to afford unexpected expense and excessive use of credit cards. This study aims to examine whether financial literacy affects financial behavior of millenial generation with grit as a moderating variable. Using 137 sample of millennials in Semarang, the SPSS 25 analysis was conducted to test hypothesis. Significant relationship not only found between financial literacy and financial behavior of the millennial generation in Semarang. Furthermore, the findings of this study confirms that grit moderates the relationship between financial literacy and financial behavior.

Pelatihan Perpajakan UMKM di SMKN 2 Semarang Prabasari, Bonita; Rohmawati, Lilik; Dewi Endah Amaliyah, Erlina
Literasi Jurnal Pengabdian Masyarakat dan Inovasi Vol 3 No 1 (2023)
Publisher : Pengelola Jurnal Politeknik Negeri Ketapang Jl. Rangga Sentap, Dalong Sukaharja, Ketapang 78813. Telp. (0534) 3030686 Kalimantan Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58466/literasi.v3i1.1261

The lack of student skills, especially in the practice of tax reporting and socialization of tax reporting for students, makes training necessary for students, where this understanding will be embedded in the minds of students when they can become taxpayers. Therefore, the community service team at the Semarang University proposed training activities on MSME taxation for students at SMKN 2 Semarang. The purpose of holding this activity is to provide tax reporting practices in accordance with applicable regulations and increase self-awareness to comply with paying taxes. Community service activities in the form of MSME taxation training are packaged in seminars containing hands-on practice, namely the practice of simple income tax calculations, as well as the final tax reporting mechanism (Final Income Tax) using the DJP System in accordance with the latest tax laws. Tax training was held in October 2022 in the SMKN 2 Semarang. After the activity is carried out, the results of the pretest and posttest can be concluded that students can understand the steps for reporting MSME business taxation properly and correctly according to applicable regulations. Therefore, tax training especially for MSMEs must be carried put early on to raise awareness of tax reporting for graduates, especially those who are going to be entrepreneurs and work so that they can carry out MSME business tax reporting practices properly and correctly according to applicable regulations

The Role of Financial Literacy and Grit in Good Financial Behavior: Peran Literasi Keuangan dan Ketabahan dalam Perilaku Keuangan yang Baik Endah Amaliyah, Erlina Dewi; Prabasari, Bonita; Rohmawati, Lilik
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 9 No. 2 (2023): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v9i2.1731

With Generation Z and millennials becoming the majority of Indonesia's population, tackling their reputation for financial wastefulness becomes critical. Through the promotion of financial literacy, this study intends to provide insights into developing wiser and more sensible financial conduct. Recognizing the inconsistency of past studies on financial literacy and behavior, this study incorporates grit as a moderating component. Data was acquired through surveys distributed around Semarang City and analyzed in Smart PLS utilizing path analysis. Financial literacy was determined by understanding the time worth of money, inflation, and risk diversification, whereas grit was determined by perseverance and constant interest. Credit management, investment, saving, cash flow and consumption, emergency fund management, and retirement fund planning were all evaluated. The findings show that grit has a positive influence on financial behavior, emphasizing the need of perseverance in the face of financial obstacles. Furthermore, financial literacy was discovered to have a favorable impact on grit, emphasizing the symbiotic relationship between knowledge and perseverance in accomplishing financial goals. This study emphasizes the importance of not just improving financial literacy but also cultivating grit among Generation Z and millennials in order to improve financial behavior.

Peran Return on Assets dan Return on Equity Pada Capital Adequacy Ratio Sembiring, Wati Sari Br; Bonita Prabasari; Amaliyah, Erlina Dewi Endah; Adhi Pradiptya
Jurnal Ekualisasi Vol. 6 No. 1 (2025): January 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60023/12vjkx94

Salah satu industri perekonomian yang mempunyai dampak sangat besar terhadap berbagai negara serta menjadi penggerak roda perekonomian baik secara langsung maupun tidak langsung adalah sektor perbankan. Maka penelitian ini bertujuan untuk menganalisis dan mengkaji tentang pengaruh return on asset terhadap capital adequacy ratio dan pengaruh return on equity terhadap capital adequacy ratio di PT Bank Sinarmas Tbk. Penelitian ini menggunakan dengan pendekatan kuantitatif pada laporan keuangan PT Bank Sinarmas Tbk, dengan sampel dalam penelitian selama 5 tahun dari periode 2018 hingga 2022. Teknik pengumpulan data yaitu dokumentasi dan tinjauan pustaka dengan menggunakan teknik sampling tertarget. Teknik analisis data dalam penelitian ini menggunakan uji asumsi klasik, regresi linear berganda, uji t, dan koefisien determinasi. Penelitian ini menemukan bahwa return on asset berpengaruh signifikan terhadap capital adequacy ratio, namun return on equity terbukti tidak berpengaruh terhadap capital adequacy ratio. Hal ini membuktikan bahwa pengembalian atas asset itu penting, yang berkaitan dengan seberapa efisien bank menggunakan asetnya untuk menghasilkan dalam hal capital adequacy ratio

Literasi Keuangan: Investasi Emas Nggak Ada Matinya! Augustine Graciafernandy, Maria; Dewi Endah Amaliyah, Erlina; Usriyono, Eko; Slahanti, Masine
Literasi Jurnal Pengabdian Masyarakat dan Inovasi Vol 2 No 2 (2022)
Publisher : Pengelola Jurnal Politeknik Negeri Ketapang Jl. Rangga Sentap, Dalong Sukaharja, Ketapang 78813. Telp. (0534) 3030686 Kalimantan Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58466/literasi.v2i2.1738

Understanding of financial literacy is related to a person's ability to be able to manage his finances, including determining the right investment instrument. The results of the survey to the teachers of SMP Kuncup Melati showed that 70% of the teachers felt that investments could only be made with large capital. This PKM was carried out at SMP Kuncup Melati Semarang by offline meeting and collaborated with PT Pegadaian to explain about gold investment. Gold can be used as an investment tool for novice investors as it tends to be stable and safe. The teachers of SMP Kuncup Melati have been given an understanding of the concept and various types of investment, knowledge of how to choose safe, reliable, and affordable investments. The positive response was seen by the interactive communication between the presenters and the participants. The post-activity questionnaires were filled out, and it showed that the teacher's understanding was increasing. The aim of this PKM is that the teachers' insight will be more open and be more critical to various investment products on the market. Furthermore, it is expected that teachers can participate in spreading knowledge about financial literacy to students and the community

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