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Pengaruh Green Finance, Enterprise Risk Management, dan Volatility Terhadap Keputusan Investasi Milenial Mariana, Dita; Komala, Rina; Dethan, Stevany Hanalyna; Marswandi, Ega Dwi Putri; Hendri, Wira
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2119

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh green finance, enterprise risk management (ERM), dan volatility terhadap keputusan investasi generasi milenial di era frugal living. Dengan meningkatnya kesadaran keuangan dan penerapan gaya hidup hemat, penting untuk meneliti faktor-faktor yang mempengaruhi keputusan investasi, terutama pada sektor perbankan yang terdaftar di Bursa Efek Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 96 responden milenial berusia 29–44 tahun yang memiliki pengalaman investasi minimal enam bulan. Teknik analisis data menggunakan regresi linear berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa secara parsial enterprise risk management dan volatility berpengaruh signifikan terhadap keputusan investasi milenial, sedangkan green finance tidak berpengaruh signifikan. Namun secara simultan, ketiga variabel tersebut memiliki pengaruh signifikan terhadap keputusan investasi. Hasil ini memberikan implikasi penting bagi lembaga keuangan dalam merancang strategi yang sesuai dengan preferensi dan perilaku investasi milenial yang mengedepankan kehati-hatian, keberlanjutan, dan stabilitas pasar di tengah gaya hidup hemat.
Pengaruh Inflasi, Institutional Ownership dan Managerial Ownership Terhadap Financial Performance pada Perusahaan Sektor Rokok yang Terdaftar di Bei Azmi, M. Rafif; Zahrah, Zahrah; Nirwana, Baiq Nadia; Hendri, Wira; Marswandi, Ega Dwi Putri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2130

Abstract

The cigarette industry is undergoing rapid change and contributes significantly to Indonesia's national income through excise taxes. However, the cigarette industry faces challenges from the macroeconomy and pressure from the government, such as regulatory pressure, health policies, tightening regulations on cigarettes, and annual increases in excise taxes, which put pressure on the cigarette industry in Indonesia. The purpose of this study is to examine and analyze the partial effects of inflation, institutional ownership, and managerial ownership on the financial performance of tobacco companies listed on the Indonesia Stock Exchange (IDX). Additionally, the study aims to examine and analyze the simultaneous effects of inflation, institutional ownership, and managerial ownership on the financial performance of tobacco companies listed on the IDX. The type of research used is associative causal with a quantitative approach, and the analysis technique used is panel data involving four tobacco companies over an eight-year observation period from 2017 to 2024. The sample data was processed using E-Views 12, totaling 32 samples. The results show that inflation has no partial effect on financial performance. Meanwhile, institutional ownership and managerial ownership have a partial positive effect on financial performance. Simultaneous testing shows that the three independent variables in this study have a simultaneous effect on financial performance.
Kreatifitas Menulis: Pelatihan dan Pendampingan Keterampilan Literasi di Komunitas Mas Abu Darda Kholid, Kholid; Pahmi, Zul; Hendri, Wira
Jurnal Pengabdian Pada Masyarakat IPTEKS Vol. 1 No. 1: Jurnal Pengabdian Pada Masyarakat IPTEKS, Desember 2023
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/jppmi.v1i1.38

Abstract

Pentingnya literasi dalam konteks pendidikan, dengan penekanan pada peningkatan keterampilan menulis kreatif. Literasi menjadi sorotan utama, terutama dalam bidang pendidikan, dengan Kementerian Pendidikan dan Kebudayaan mengintegrasikan literasi ke dalam kurikulum saat ini. Literasi diartikan sebagai kemampuan membaca dan menulis, menjadi landasan utama yang harus dimiliki setiap individu untuk menghadapi masa depan. Artikel juga mencermati tren literasi yang semakin ditekankan, khususnya pada tahun 2022, di mana ujian masuk perguruan tinggi melibatkan literasi Bahasa Inggris. Proses pembelajaran menyoroti pentingnya aktivitas membaca dan menulis yang seimbang, di mana seseorang dapat menulis setelah mendapatkan bahan dari membaca, dan sebaliknya. Menulis dianggap sebagai proses berpikir yang sangat matang, membutuhkan waktu lebih lama daripada berbicara spontan. Kegiatan Pengabdian Masyarakat (PKM) di Madrasah Aliyah Abu Darda’ yang bertujuan mengenalkan dan memberikan edukasi langsung kepada siswa tentang cara membuat menulis menjadi metode pembelajaran yang menyenangkan dan efektif. Metode pelatihan melibatkan survei lokasi, persiapan peralatan, dan pelaksanaan pelatihan selama dua hari. Hasil pelatihan mencakup peningkatan pengetahuan, keterampilan, dan minat siswa dalam menulis karya fiksi. Faktor pendukung mencakup semangat dan dukungan dari pihak sekolah, sementara keterbatasan waktu dan fasilitas menjadi faktor penghambat. Kesimpulannya, kegiatan ini berhasil meningkatkan pengetahuan dan keterampilan menulis siswa, menunjukkan pentingnya literasi dalam konteks pendidikan.
Seni Menyusun Judul Penelitian: Menyederhanakan Ide, Memaksimalkan Makna Saputra, Sahdan; Hendri, Wira; Ihyani, Layali
Jurnal Pengabdian Pada Masyarakat IPTEKS Vol. 2 No. 1: Jurnal Pengabdian Pada Masyarakat IPTEKS, Desember 2024
Publisher : CV. Global Cendekia Inti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71094/jppmi.v2i1.84

Abstract

This community engagement program, titled "The Art of Composing Research Titles: Simplifying Ideas, Maximizing Meaning," was designed to enhance the ability of students in the Management Program at Bumigora University to formulate effective, relevant, and academically appealing research titles. Employing the Participatory Action Research (PAR) approach, the program involved 20 students and consisted of preparatory surveys, theoretical sessions, and hands-on training. Key topics included the characteristics of strong research titles, title formulation techniques for qualitative and quantitative methods, and practical revision of participants' initial drafts. Post-training evaluations indicated significant improvements, with 90% of participants successfully revising their titles to be more focused and concise. Additionally, 88% reported increased confidence in presenting their research ideas. The program's outcomes demonstrate its effectiveness in addressing students' challenges in title formulation while fostering critical and creative thinking. This initiative emphasizes the importance of structured and interactive learning processes in academic skill development.
Geopolitical Risk & Indonesian Stock Market Response Saputra, Sahdan; Dwi Putri Marswandi, Ega; Hendri, Wira
Jurnal Ecoment Global Vol. 8 No. 3 (2023): Edisi Desember 2023
Publisher : Universitas Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jeg.v8i3.3486

Abstract

Objective: The aim of this research is to determine empirically the impact of geopolitical risk originating from countries with high geopolitical risk and domestic ones on the Composite Stock Price Index in Indonesia. In addition, this research aims to determine the role of geopolitical actions in strengthening or weakening the relationship between geopolitical risk and the Composite Stock Price Index in Indonesia. Design/Methods/Approach: This research uses geopolitical risk index (GPRH) data from countries with the highest geopolitical risk index in the last 3 years and domestic ones consisting of Ukraine, Russia, America, China and Indonesia. Meanwhile, geopolitical action risk (GPRA) is a risk index measured in aggregate from January 2004-October 2023, so the number of observations in this study reached 238. Findings: The findings in the research show that Ukraine and America have a negative and significant influence, while China and Russia have a positive and significant impact on the composite stock price index in Indonesia. Apart from that, this research also found that the influence of geopolitical risk on the composite stock price index in Indonesia is greater when geopolitical actions such as escalation of war and acts of terror occur.   Originality/Value: This research complements several previous studies regarding the impact of geopolitical risk on the Indonesian composite stock price index. Several previous studies have not examined the impact of each country's geopolitical risk on the composite stock price index and how it is moderated by geopolitical action. Practical/Policy implication: The findings in this research prove that countries that have high geopolitical risk have a significant influence on the Composite Stock Price Index in Indonesia. So that investors can use this research as a consideration when investing in the capital market by considering geopolitical risks originating from abroad and domestically.
Economic Policy Uncertainty and Bank Credit Growth in Indonesia Saputra, Sahdan; Hendri, Wira
Jurnal Manajemen Teori dan Terapan| Journal of Theoretical and Applied Management Vol. 17 No. 1 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v17i1.51312

Abstract

Objective: This study examines the influence of economic policy uncertainty in countries with the largest capital investments in Indonesia, such as Singapore, China, Hong Kong, Japan, the United States, Korea, and the United Kingdom, on the credit growth of commercial banks in Indonesia. Design/Methods/Approach: The sample of this study is all commercial banks in Indonesia from January 2011 to December 2022. This study uses a quantitative approach, using monthly aggregate data on credit growth of commercial banks in Indonesia and economic policy uncertainty data for each country. Hence, the number of observations in this study amounts to 144. This study uses multiple linear regression with the EViews 12 analysis tool. Findings: The findings in this study show that the influence of economic policy uncertainty in the country with the largest capital investment in Indonesia has various influences. Of the several countries that were observed in the study, Japan was one of the countries that had a significant negative impact on the growth of commercial bank credit in Indonesia. Originality/Value: This study complements several previous studies regarding the impact of economic policy uncertainty on Indonesia's micro and macro economy. Studies regarding the impact of economic policy uncertainty on Indonesia's banking credit growth are still limited. Practical/Policy implication: The findings of this study can be used as a reference for banking managers when making decisions such as credit portfolio diversification. By spreading exposure to various sectors and industries, banks can reduce risks related to economic uncertainty in specific sectors. Banking managers need to design products and services that are more creative and adaptive to help banks remain competitive and attract customer interest amidst an uncertain economic situation.  
Pencatatan Keuangan Digital Melalui Aplikasi Accurate dan Esensi Solusi Buana Core Pada Kantor My Kopi-O Lombok Limas, Cindy Cornelia; Hendri, Wira; Wardhana, Helna
Jurnal Ilmiah Pengabdian dan Inovasi Vol. 2 No. 4 (2024): Jurnal Ilmiah Pengabdian dan Inovasi (Juni)
Publisher : Insan Kreasi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57248/jilpi.v2i4.449

Abstract

The transformation of the financial industry has not only impacted society but has also significantly influenced industry players in Indonesia. This transformation is evidenced by the availability of numerous digital financial applications that can be accessed either for a fee or free of charge, such as Accurate and ESB Core. The use of these applications is considered to enhance the effectiveness of corporate financial reporting. Therefore, this community service activity aims to assist My Kopi-O Lombok in implementing financial transaction recording through the Accurate and ESB Core applications. The methodology for this activity comprises three phases: preparation/planning, execution, and evaluation. Several activities conducted include recording financial transactions into the system, inventory management, initial branch data setup, and petty cash management. All activities were completed within one month. The results of this activity demonstrate an increase in the effectiveness of financial reporting for My Kopi-O Lombok, as digital recording has proven to facilitate the work of the finance department. It is hoped that through this activity, the company will continue to intensify its use of digital financial applications to maximize revenue and minimize operational expenses that can still be reduced by the company.
Environmental, Social, Governance (ESG Score) and Profitability on Stock Return with Audit Quality as Moderation Chandra, Hendika; Anggriani, Rini; Alpiansah, Restu; Hendri, Wira; Zahrah
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 6 No. 1 (2025): April
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v6i1.949

Abstract

This research aims to examine the effect of Environmental, Social, and Governance (ESG Score) and Profitability on Stock Return with Audit Quality as moderation in companies listed in the SRI-KEHATI Index for the 2021–2023 period. This research is associative causal with a quantitative approach. The population consists of companies in the SRI-KEHATI Index, and the sample selection is conducted using purposive sampling. Based on the sample criteria, 12 companies met the requirements with a research period of three years, resulting in a total of 36 data samples. In this research a panel data regression model is applied using the Fixed Effect Model (FEM), and the moderation variable is tested using Moderated Regression Analysis (MRA) with EViews 10 software. The results of this research indicate that ESG Score has no effect on Stock Return while Profitability affects Stock Return. Moreover, Audit Quality cannot moderate the effect of ESG Score on Stock Return, and the Audit Quality cannot moderate the effect of Profitability on Stock Return.
Pengaruh Literasi Keuangan, Pendapatan dan Persepsi Risiko terhadap Konsumen Pinjaman Online di Kota Mataram Yanti, Hana Putri; Widiyasti, Baiq Dinna; Talidobel, Susilo; Hendri, Wira; Nirwana, Baiq Nadia
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 4 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i4.1254

Abstract

The advancement of digital technology has driven the growth of online lending services, making them increasingly accessible particularly to Generation Z, who are known for their adaptability to technology. However, this convenience is not always accompanied by adequate financial understanding, which may lead to financial risks. This study aims to determine the influence of financial literacy, income, and risk perception on the use of online loans among Generation Z in Mataram City. The research employs a quantitative approach using an associative method. The sampling technique used is purposive sampling, with a total of 100 respondents who are members of Generation Z and have used online lending services. Data were collected through online questionnaires and analyzed using multiple linear regression analysis. The results indicate that, partially, financial literacy and risk perception have a positive and significant influence on online loan usage, and income also has a significant effect. Simultaneously, all three variables have a significant impact on the use of online loans. These findings highlight the importance of improving financial literacy and risk awareness to prevent the excessive use of online lending among Generation Z. This research is expected to serve as a reference for educational institutions, fintech service providers, and policymakers in formulating effective and sustainable financial education programs and policies.
Pengaruh Inklusi Keuangan, Persepsi Risiko dan Persepsi Persepsi Kemudahan terhadap Konsumen Pinjaman Online Azmi, Nurul; Widiyasti, Baiq Dinna; Zahrah, Zahrah; Hendri, Wira; Dethan, Stevany Hanalyna
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 4 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i4.1255

Abstract

The rapid growth of online loan platforms has transformed access to credit, especially for individuals who face barriers to traditional financial services. In Lombok Island, West Nusa Tenggara, Indonesia, honorary teachers often experience limited access to formal financing and have relatively low incomes, making them particularly vulnerable to financial risks and overindebtedness due to the increasing use of online loans. This study aims to empirically investigate how financial inclusion, risk perception, and perceived ease of use influence the behavior of online loan consumers, focusing specifically on this group of teachers. Using a quantitative research approach, data were collected from 100 honorary teachers through a structured survey. The instruments used in the study underwent validity and reliability testing, confirming their accuracy and consistency for the research context. The results of multiple linear regression analysis indicate that financial inclusion, risk perception, and perceived ease of use simultaneously and individually exert a positive and significant impact on the online loan consumption behavior of teachers. Notably, perceived ease of use emerged as the most influential factor, suggesting that the simplicity and convenience of accessing fintech lending platforms play a crucial role in driving adoption among this vulnerable population. These findings provide important insights for policymakers and financial educators to develop targeted financial literacy programs and inclusive fintech services. By emphasizing ease of use while addressing risk awareness and financial accessibility, stakeholders can better protect honorary teachers and similar vulnerable groups from the potential pitfalls associated with online loans, fostering safer and more responsible financial behavior.