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All Journal Jurnal Ilmiah Manajemen dan Bisnis (JIMB) Cakrawala Repositori Imwi Journal of Economics and Business UBS Jurnal Abdimas Mahakam
Sylviana Maya Damayanti
Institut Teknologi Bandung
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Other

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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.
The impact of construction management patterns on housing quality in housing residences Muhammad Yusuf Ali; Sylviana Maya Damayanti; Mulya Amri
Jurnal Ilmiah Manajemen dan Bisnis Vol 12, No 1 (2026): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jimb.v12i1.37944

Abstract

This study examines how construction management patterns, self-performance versus subcontracting, and Project Manager (PM) leadership relate directly to housing quality in a residential project. Using a case study of the Vila Rizki Insani development (IDR 3,800,000/m²), a mixed-method approach integrated unit-level complaint records during a 90-day retention window, pre-handover homecare checklists for ready-stock units, project documents, and semi-structured interviews with PMs, foremen, and estate staff. Quantitative analysis compared the outcomes across two contractors: a self-performing contractor delivering 297 units and a subcontracting contractor delivering 106 units. Self-performing output showed lower normalized complaint rates (minor 2.36%, moderate 2.36%) but included a small incidence of serious defects (0.34%), whereas subcontracting showed a higher minor-complaint rate (8.4%), lower moderate complaints (1.88%), and no serious cases recorded during retention period. Qualitative findings indicate that contracting schemes structure accountability and inspection routines, shaping the PM’s practical leverage over workmanship; transactional control is easier to operationalize under self-performing teams, whereas fragmented trade packages in subcontracting increase interface gaps and finishing rework risk. Overall, contracting schemes and workforce capacity emerged as primary drivers of quality consistency under tight pricing, with complaint response speed influencing perceived quality. The study recommends aligning work packages with supervision capacity and formalizing inspection and post-sales response routines.
Peningkatan Literasi Digital dan Literasi Keuangan Digital melalui Aplikasi Pencatatan laporan Keuangan Digital: SMART untuk UMKM Anak Berkebutuhan Khusus di Rancaekek, Kabupaten Bandung, Jawa Barat Sylviana Maya Damayanti; Arry Akhmad Arman; Arinda Mentari Putri; Octaviani Ratna Sari Santoso
Jurnal Abdimas Mahakam Vol. 10 No. 01 (2026): Januari
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24903/jam.v10i01.3882

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan memberdayakan UMKM yang beranggotakan ABK, yaitu kelompok keluarga dengan Anak Berkebutuhan Khusus (ABK). Berdasarkan hasil analisis kondisi awal, kelompok UMKM ini memiliki potensi ekonomi melalui usaha mikro berbasis produk, namun masih menghadapi kendala utama berupa minimnya pencatatan keuangan dan lemahnya kapasitas pemasaran digital. Untuk menjawab tantangan tersebut, kegiatan pengabdian kepada masyarakat ini dirancang dengan dua tujuan utama. Pertama, mengembangkan aplikasi pencatatan keuangan sederhana dan mudah digunakan oleh UMKM ABK bernama SMART guna meningkatkan kemampuan mereka dalam memonitor arus kas, mencatat transaksi, dan memahami kondisi keuangan usaha. Kedua, memberikan pelatihan pemasaran dan marketing digital agar UMKM ABK mampu mempromosikan produk secara lebih efektif, memanfaatkan media sosial, serta meningkatkan jangkauan pasar. Kegiatan pengabdian dilakukan di Kampung Rancakihiang, RT 01/RW 10 Desa Bojongloa, Kecamatan Rancaekek, Jawa Barat, Indonesia dengan dihadiri oleh 29 peserta. Metode yang digunakan adalah penelitian action research dan workshop dimana para peserta mendapatkan pelatihan dan tutorial dalam penggunaan aplikasi SMART untuk pencatatan laporan keuangan secara digital. Integrasi aplikasi keuangan dan pelatihan pemasaran ini diharapkan dapat meningkatkan kapasitas digital dan kemandirian ekonomi UMKM ABK secara berkelanjutan. Penyebaran penggunaan SMART kepada banyak UMKM baik ABK ataupun tidak dapat menjadi keberlanjutan dari kegiatan pengabdian ini.
Co-Authors Arinda Mentari Putri Arry Akhmad Arman Bayu Indra Wibiksana Muhammad Yusuf Ali Mulya Amri Octaviani Ratna Sari Santoso Vinsensius Willson Limantoro