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All Journal Cakrawala Repositori Imwi Journal of Economics and Business UBS
Sylviana Maya Damayanti
Institut Teknologi Bandung
Economics, Econometrics & Finance

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Financial Literacy And Individual Financial Decision Among Millennials In Indonesia After Covid-19 Vinsensius Willson Limantoro; Sylviana Maya Damayanti
Cakrawala Repositori IMWI Vol. 6 No. 5 (2023): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v6i5.508

Abstract

At the end of 2019, the world was hit by the COVID-19 which caused restrictions on the activities of the world citizens. As a result of this pandemic, many people have lost their jobs and developments in technology (including fin-tech) are accelerating. Because many people have lost their jobs and find difficult to get income to survive, many people are using technology to find income. However, due to a lack of understanding of the technology used, many have been exposed to fraud or loss. This research was conducted to assess the financial literacy of millennials in Indonesia and its influence on individual financial decision, what factors affect the level of financial literacy, and how to increase the level of financial literacy of millennials. This research was conducted by processing data using Microsoft Excel and regression using SPSS from 403 respondents regarding 5 demographic questions (gender, age, occupation, last education, monthly income), 10 questions regarding financial literacy (budget planning, consumption, saving, investment, risk management), and 16 questions regarding individual financial decisions (consumption, saving, investment). The results of this research are: (1) there is a significant positive effect between the level of financial literacy and individual financial decisions. (2) there is a significant negative effect between gender and the level of financial literacy. (3) there is a significant positive effect between age, last education, and monthly income on the level of financial literacy. (4) there is no influence between occupation and level of financial literacy.
Financial Literacy And Individual Financial Decision Among Millennials In Indonesia After Covid-19 Vinsensius Willson Limantoro; Sylviana Maya Damayanti
Cakrawala Repositori IMWI Vol. 6 No. 5 (2023): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v6i5.508

Abstract

At the end of 2019, the world was hit by the COVID-19 which caused restrictions on the activities of the world citizens. As a result of this pandemic, many people have lost their jobs and developments in technology (including fin-tech) are accelerating. Because many people have lost their jobs and find difficult to get income to survive, many people are using technology to find income. However, due to a lack of understanding of the technology used, many have been exposed to fraud or loss. This research was conducted to assess the financial literacy of millennials in Indonesia and its influence on individual financial decision, what factors affect the level of financial literacy, and how to increase the level of financial literacy of millennials. This research was conducted by processing data using Microsoft Excel and regression using SPSS from 403 respondents regarding 5 demographic questions (gender, age, occupation, last education, monthly income), 10 questions regarding financial literacy (budget planning, consumption, saving, investment, risk management), and 16 questions regarding individual financial decisions (consumption, saving, investment). The results of this research are: (1) there is a significant positive effect between the level of financial literacy and individual financial decisions. (2) there is a significant negative effect between gender and the level of financial literacy. (3) there is a significant positive effect between age, last education, and monthly income on the level of financial literacy. (4) there is no influence between occupation and level of financial literacy.
The Impact of Debt Strucutre, Operational Capability, Liquidity, Profitability, and Capital Structure Toward Financial Risk (Case Research : PT. Gapura Angkasa) Bayu Indra Wibiksana; Sylviana Maya Damayanti
Journal of Economics and Business UBS Vol. 12 No. 1 (2023): Regular Issue
Publisher : UniSadhuGuna Business School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/joeb.v12i1.140

Abstract

In order to finance its operations and investment activities, one of PT. Gapura Angkasa's funding sources is debt, a kind of external funding for the company. Debt policy in a company is very important to be evaluated and analyzed properly because many companies will experience success with accuracy in making debt decisions. Debt policy can have an impact on optimizing the use of funds in the company. A company's financial troubles and likelihood of filing for bankruptcy may be impacted by its level of debt. The objective of research is for investigate the impact of debt structure, operational capability, liquidity, profitability, and capital structure on financial risk. This research utilizes secondary data sources in the form of financial reports from companies. The data utilized is PT. Gapura Angkasa's financial report data from 2017 to 2021. In this research, the independent factors include debt structure, operational capability, liquidity, profitability, and capital structure, whereas the dependent variable is financial risk. This research employs multiple regression with the aid of the SPSS application for its data analysis. Accordingly to the findings of the research, debt structure got a negative impact on financial risk. Similarly, operational competency negatively impacts financial risk. However, neither liquidity nor profitability nor capital structure had any impact on financial risk. The debt structure should be a concern for PT. Gapura Angkasa's management in order to retain the usage of debt while ensuring that the company's debt is not excessive and that its working capital continues to grow.
Co-Authors Bayu Indra Wibiksana Vinsensius Willson Limantoro