Garuda - Garba Rujukan Digital

Pengaruh Literasi Keuangan, Kesadaran Keuangan, Pendapatan Terhadap Kesejahteraan Keuangan dengan Perilaku Keuangan dan Inklusi Keuangan Syanindita Prameswari; Mulyanto Nugroho; Ulfi Pristiana
Cakrawala Repositori IMWI Vol. 6 No. 1 (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.v6i1.253

Tujuan penelitian ini untuk menguji pengaruh literasi keuangan, kesadaran keuangan, pendapatan terhadap kesejahteraan keuangan dengan perilaku keuangan dan inklusi keuangan. Dalam penelitian ini peneliti menggunakan metode pendekatan secara kuantitatif. Jenis penelitian ini merupakan penelitian kausalitas yang menguji antar variabel berdasarkan penelitian-penelitian sebelumnya. Populasi dalam penelitian ini adalah masyarakat Kota Surabaya yang sudah berkeluarga. Jumlah populasi keluarga di Kota Surabaya berdasarkan data yang diambil dari Kependudukan Dan Pencatatan Sipil Kota Surabaya tahun 2022 sebanyak 1.463.469 keluarga. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah simple random sampling. Berdasarkan rumus slovin, jumlah sampel dapat ditentukan sebanyak 100 keluarga. Instrumen penelitian yang digunakan dalam penelitian ini yaitu berupa kusioner yang dibuat sendiri oleh peneliti. Pengukuran yang digunakan dalam mengukur tingkat kepentingan pada masing-masing indikator menggunakan skala likert dengan rentang 1 (sangat tidak penting) sampai dengan 4 (sangat penting). Hasil penelitian ini bahwa literasi keuangan berpengaruh signifikan dan positif terhadap perilaku keuangan dan inklusi keuangan keluarga di Kota Surabaya. Namun literasi keuangan tidak berpengaruh signifikan terhadap kesejahteraan keuangan keluarga di Kota Surabaya. Kesadaran keuangan berpengaruh signifikan dan positif terhadap inklusi keuangan keluarga di Kota Surabaya. Namun kesadaran keuangan tidak berpengaruh signifikan terhadap terhadap perilaku keuangan dan kesejahteraan keuangan keluarga di Kota Surabaya. Pendapatan berpengaruh signifikan dan positif terhadap perilaku keuangan dan inklusi keuangan keluarga di Kota Surabaya. Namun pendapatan tidak berpengaruh signifikan terhadap kesejahteraan keuangan keluarga di Kota Surabaya. Perilaku keuangan berpengaruh signifikan dan positif terhadap kesejahteraan keuangan keluarga di Kota Surabaya. Sedangkan inklusi keuangan tidak berpengaruh signifikan terhadap kesejahteraan keuangan keluarga di Kota Surabaya.

Pengaruh Status Ekonomi, Literasi Keuangan, Pengelolaan Keuangan Terhadap Gaya Hidup Pada Generasi Z Dengan Perilaku Konsumtif Rizal Mahendra; Mulyanto Nugroho; Ulfi Pristiana
Cakrawala Repositori IMWI Vol. 6 No. 1 (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.v6i1.266

The purpose of this study was to determine the relationship between economic status, financial literacy, financial management on lifestyle in generation z with consumptive behavior as a moderating variable. This research uses quantitative research methods. This research also uses causal research. The population in this study were generation Z in Surabaya. Sampling in this study was carried out using purposive sampling method. The research instrument used in this research is a questionnaire made by the researcher. The measurement used in measuring the level of importance of each indicator uses a Likert scale with a range of 1 (strongly agree) to 4 (strongly disagree). The results of this study indicate that there is a significant influence of economic status, financial literacy and financial management of respondents on generation z's lifestyle. Then consumptive behavior does not moderate the influence of economic status and financial literacy on lifestyle in generation z. While consumptive behavior moderates the influence of financial management on lifestyle in generation z.

Pengaruh Literasi Keuangan, Kesadaran Keuangan, Pendapatan Terhadap Kesejahteraan Keuangan dengan Perilaku Keuangan dan Inklusi Keuangan Syanindita Prameswari; Mulyanto Nugroho; Ulfi Pristiana
Cakrawala Repositori IMWI Vol. 6 No. 1 (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.v6i1.253

Tujuan penelitian ini untuk menguji pengaruh literasi keuangan, kesadaran keuangan, pendapatan terhadap kesejahteraan keuangan dengan perilaku keuangan dan inklusi keuangan. Dalam penelitian ini peneliti menggunakan metode pendekatan secara kuantitatif. Jenis penelitian ini merupakan penelitian kausalitas yang menguji antar variabel berdasarkan penelitian-penelitian sebelumnya. Populasi dalam penelitian ini adalah masyarakat Kota Surabaya yang sudah berkeluarga. Jumlah populasi keluarga di Kota Surabaya berdasarkan data yang diambil dari Kependudukan Dan Pencatatan Sipil Kota Surabaya tahun 2022 sebanyak 1.463.469 keluarga. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah simple random sampling. Berdasarkan rumus slovin, jumlah sampel dapat ditentukan sebanyak 100 keluarga. Instrumen penelitian yang digunakan dalam penelitian ini yaitu berupa kusioner yang dibuat sendiri oleh peneliti. Pengukuran yang digunakan dalam mengukur tingkat kepentingan pada masing-masing indikator menggunakan skala likert dengan rentang 1 (sangat tidak penting) sampai dengan 4 (sangat penting). Hasil penelitian ini bahwa literasi keuangan berpengaruh signifikan dan positif terhadap perilaku keuangan dan inklusi keuangan keluarga di Kota Surabaya. Namun literasi keuangan tidak berpengaruh signifikan terhadap kesejahteraan keuangan keluarga di Kota Surabaya. Kesadaran keuangan berpengaruh signifikan dan positif terhadap inklusi keuangan keluarga di Kota Surabaya. Namun kesadaran keuangan tidak berpengaruh signifikan terhadap terhadap perilaku keuangan dan kesejahteraan keuangan keluarga di Kota Surabaya. Pendapatan berpengaruh signifikan dan positif terhadap perilaku keuangan dan inklusi keuangan keluarga di Kota Surabaya. Namun pendapatan tidak berpengaruh signifikan terhadap kesejahteraan keuangan keluarga di Kota Surabaya. Perilaku keuangan berpengaruh signifikan dan positif terhadap kesejahteraan keuangan keluarga di Kota Surabaya. Sedangkan inklusi keuangan tidak berpengaruh signifikan terhadap kesejahteraan keuangan keluarga di Kota Surabaya.

Pengaruh Status Ekonomi, Literasi Keuangan, Pengelolaan Keuangan Terhadap Gaya Hidup Pada Generasi Z Dengan Perilaku Konsumtif Rizal Mahendra; Mulyanto Nugroho; Ulfi Pristiana
Cakrawala Repositori IMWI Vol. 6 No. 1 (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.v6i1.266

The purpose of this study was to determine the relationship between economic status, financial literacy, financial management on lifestyle in generation z with consumptive behavior as a moderating variable. This research uses quantitative research methods. This research also uses causal research. The population in this study were generation Z in Surabaya. Sampling in this study was carried out using purposive sampling method. The research instrument used in this research is a questionnaire made by the researcher. The measurement used in measuring the level of importance of each indicator uses a Likert scale with a range of 1 (strongly agree) to 4 (strongly disagree). The results of this study indicate that there is a significant influence of economic status, financial literacy and financial management of respondents on generation z's lifestyle. Then consumptive behavior does not moderate the influence of economic status and financial literacy on lifestyle in generation z. While consumptive behavior moderates the influence of financial management on lifestyle in generation z.

Green Marketing Management in the Digital Era: A Study of Website Content and Corporate Social Media in Surabaya Endah Budiarti; Ulfi Pristiana; Nekky Rahmiyati
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 1 (2026): JIMKES Edisi January 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i1.4923

The development of environmental issues and digital transformation has encouraged companies to adopt green marketing strategies as part of modern marketing management. This study aims to analyze green marketing management in the digital era through a study of website content and social media of companies operating in Surabaya. The research uses a descriptive qualitative approach with content analysis on digital content from official websites and social media platforms. Data were collected through non-participant observation and digital documentation and analyzed using thematic coding. The results show that company websites are mainly used to communicate sustainability information in a formal and credible way, while social media supports more persuasive, visual, and interactive communication. Dominant green marketing themes include environmental commitment, CSR activities, environmental campaigns, and consumer education. Although most companies show consistent messages across websites and social media, differences remain in the depth of information and signs of greenwashing risks, especially in social media content. This study concludes that the effectiveness of digital green marketing is determined by consistency, transparency, and the suitability of communication strategies with digital media characteristics. These findings are expected to serve as a reference for companies in managing green marketing sustainably.

The Influence of Macroeconomic Fundamentals, Decisions Investment, And Capital on Stock Returns with Risk Profile and Earning as Intervening Variables and Good Corporate Governance as a Variable Moderation (Study of Banking Companies in Indonesia) Andjar Eka Wijaya; Tri Ratnawati; Ulfi Pristiana
International Journal of Economics (IJEC) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i1.737

This study aims to analyze the influence of macroeconomic indicators, investment decisions, capital, risk profile, earnings, and corporate governance on stock returns in banking companies in Indonesia using the SEM-PLS method. The research results show that macroeconomic indicators (inflation, exchange rate, and interest rate) do not significantly affect stock returns either through risk profile or earnings. But if the macroeconomic variables are tested without mediation variables and directly on stock returns, they have a significant impact.In addition, investment decision indicators (current asset ratio and total asset growth), capital indicators (capital adequacy ratio and debt equity ratio), as well as risk profile indicators (non-performing loan and loan deposit ratio) also do not have a significant impact on stock returns. Similarly, the earning indicators (ROA, ROE, and NIM) and good corporate governance (board of directors and number of commissioners) do not show a significant influence on stock returns. These findings indicate that external factors and other variables are more dominant in influencing stock returns in banking companies in Indonesia.

A Improving Supply Chain Performance using the Supply Chain Operation Reference Digital Standard (SCOR DS) V14.0 Racetrack Model at PT Cipta Krida Bahari Kalimantan Area. Jerry Tetelepta; Ulfi Pristiana; Estik Hari Prastiwi
International Journal of Economics (IJEC) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i2.1444

The purpose of this study is to improve the supply chain performance of PT Cipta Krida Bahari (CKB) in the Kalimantan area by applying the Supply Chain Operation Reference Digital Standard (SCOR DS) version 14.0 Racetrack model, with a particular focus on solving issues related to reliability and asset utilization. This study employed a quantitative descriptive method using a case study approach. Primary data were collected through direct observation, structured interviews with key supply chain managers, and an analysis of internal company reports. The SCOR DS v14.0 Racetrack model was used as a framework for diagnosing performance gaps and identifying targeted improvements across key attributes in five stages: engaging, defining, analyzing, planning, and launching. Performance measurement is carried out starting from level-2 then down to level-3 performance metrics. The results in level-2 performance metrics belonging to reliability show that there is one metric that does not meet the 100% target, namely RL.2.2, delivery performance to the original customer commit date of 89.94%. In level-3 performance metrics, of the two metrics, there is one metric that has gaps, namely RL.3.3 customer commit date achievement of 5.06%. With these gaps, the implications of this research suggest for improvement projects referring to the best practices in the SCOR guide, namely BP.017 Distribution Planning, BP.042 Procurement Terms & Conditions Review, BP.055 Freight Carrier Delivery Performance Evaluation, and Regular Reconciliation Meetings. This study contributes a novel application of SCOR DS v14.0 Racetrack in a logistics and freight forwarding company context, where the model has been rarely implemented, especially in emerging markets. It also provides a replicable case study for improving service reliability in complex geographical regions such as Kalimantan, Indonesia

Title

Found 7 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 7 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 7 Documents
Search