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All Journal EkoBis ( Ekonomi & Bisnis ) Jurnal Manajemen Terapan dan Keuangan Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen JURNAL MANAJEMEN EKONOMIS : Journal of Economics and Business Inovator : Jurnal Manajemen Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Jurnal Samudra Ekonomi dan Bisnis JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) International Journal of Economics Development Research (IJEDR) Jurnal Ilmiah Manajemen Kesatuan Jurnal Pengabdian kepada Masyarakat Nusantara International Journal of Community Service Journal of Research in Social Science and Humanities INVOICE : JURNAL ILMU AKUNTANSI Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Community Service (IJCS) Jurnal Riset Ekonomi dan Bisnis Mahasiswa : Brainy Eastasouth Journal of Effective Community Services IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Economics, Bussiness and Management Issues Journal of Ekonomics, Finance, and Management Studies Jurnal Pendidikan Progresif Indonesian Journal of Economics, Business, Accounting, and Management
Alfiatul Maulida, Alfiatul
Universitas Jember
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The Effect Of Financial Literature, Lifestyle, Income, And Gender On The Financial Behavior Of The Millenial Generation Elitasari, Ardiana; Wiyono, Gendro; Maulida, Alfiatul
INVOICE : JURNAL ILMU AKUNTANSI Vol 4, No 2 (2022): September 2022
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

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

Abstract

This study was conducted to test whether financial literacy, lifestyle, income and gender on the financial behavior of the millennial generation. The selected method used in this study is a quantitative method. This type of research uses descriptive and quantitative statistics, which are used to determine the level of financial literacy and what influences financial behavior in students of the Faculty of Economics, Universitas Sarjanawiyata Tamansiswa. The variables used are financial literacy behavior as the dependent variable, lifestyle, income and gender as independent variables. The sample is part of the selected population obtained based on certain procedures that can represent the population. So based on the calculation of the sample using the Slovin formula, the research sample was obtained as many as 80 active student respondents from the 2017 - 2020 class. The sampling technique was based on research needs. This means that purposive sampling is more used by researchers if a study requires a sampling technique in this study, namely using a purposive sampling technique, The results of the analysis show that financial literacy has no effect on financial behavior, lifestyle has a positive effect on financial behavior, lifestyle has a positive effect on financial behavior and lifestyle has a positive effect on financial behavior.
The Effect of Leverage and Operating Capacity on Financial Distress with Profitability as a Moderating Variable Rinofah, Risal; Maulida, Alfiatul; Puspasari, Chintya Anggraini
INVOICE : JURNAL ILMU AKUNTANSI Vol 5, No 1 (2023): Maret 2023
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/inv.v5i1.10528

Abstract

Financial distress is where the stage of a decline in the financial condition experienced by the company before bankruptcy occurred. This research aims to examine the effect of leverage and operating capacity on financial distress with profitability as a moderating variable. The population in this study are companies engaged in the pharmaceutical goods and consumption industry sector which are already listed on the Indonesia Stock Exchange. The sample in this study totaled 10 companies during the period 2015 to 2019. The sampling technique was carried out using a purposive sampling method. The analytical tool used in this study is Moderated Regression Analysis (MRA). Based on the results of research that has been done shows the conclusion that leverage has a negative and significant effect on financial distress, operating capacity has a positive and significant effect on financial distress and profitability is not able to moderate the leverage variable, operating capacity on financial distress
PENGARUH PROFITABILITAS, UKURAN PERUSAHAAN, STRUKTUR MODAL, DAN LIKUIDITAS TERHADAP NILAI PERUSAHAAN Aprilianingsih, Ratna; Sari, Pristin Prima; Maulida, Alfiatul
Jurnal Manajemen Terapan dan Keuangan Vol. 13 No. 03 (2024): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v13i03.32876

Abstract

Penelitian ini bertujuan untuk mengidentifikasi profitabilitas, ukuran perusahaan, struktur modal, dan likuiditas dalam mempengaruhi nilai perusahaan pada perusahaan makanan dan minuman yang terdaftar di Bursa Efek Indonesia pada tahun 2019-2022. Jenis penelitian yang digunakan adalah penelitian kuantitatif dengan metode purposive sampling. Data yang dianalisa diperoleh dari laporan keuangan sebanyak 83 entitas perusahaan makanan dan minuman, kemudian akan diolah menggunakan Statistical Product and Service Solutions (SPSS). Berdasarkan Analisa yang dilakukan ditemukan bahwa Profitabilitas berpengaruh positif signifikan terhadap nilai perusahaan,, Ukuran Perusahaan tidak berpengaruh terhadap nilai perusahaan, Struktur Modal berpengaruh positif signifikan terhadap nilai perusahaan, Likuiditas berpengaruh tidak signifikan terhadap nilai perusahaan.
The Effect of Financial Literacy, Technology Financial Literacy and Financial Inclusion on MSME Performance Pranisya, Rizal; Sari, Pristin Prima; Maulida, Alfiatul
Jurnal Ekonomi dan Bisnis Vol 25, No 2 (2024): JURNAL EKONOMI DAN BISNIS
Publisher : Department of Management, Faculty of Economics, Universitas Islam Sutan Agung, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ekobis.25.2.244-255

Abstract

Financial management is key in the performance of MSMEs where if business owners cannot manage their finances, it is certain that their business performance will not run well. In order for MSME businesses to run well, it is very necessary for business actors to understand financial literacy, financial technology and financial inclusion that can improve the performance of MSMEs. Finance to get welfare for MSME actors. This study aims to determine the effect of financial literacy, fintech and financial inclusion on the performance of MSMEs in Yogyakarta City. The research method uses quantitative, the population in this study were MSMEs in the City of Yogyakarta. The sample of this research is Micro MSMEs in Yogyakarta City and has a maximum of 5 employees, the sampling technique used purposive sampling with the Slovin formula with a standard error of 10% so that a sample size 63 businesses was obtained. The analysis tool used for testing is SPSS version 25. The results showed that financial literacy and financial inclusion had a positive and significant effect on the performance of micro MSMEs in Yogyakarta City while fintech had no positive and significant effect on the performance of micro MSMEs in Yogyakarta City. The three variables namely financial literacy, financial literacy technology and financial inclusion as a whole have a simultaneous influence on the performance of micro MSMEs in Yogyakarta City.
Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Sikap Keuangan terhadap Pengelolaan Keuangan UMKM di Kapanewon Godean, Kabupaten Sleman Kusumaningrum, Sintawati Mita; Wiyono, Gendro; Maulida, Alfiatul
Jurnal Samudra Ekonomi dan Bisnis Vol 14 No 2 (2023): JSEB
Publisher : Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v14i2.6867

Abstract

The study aims to determine the effect of financial literacy, financial inclusion, and financial attitude on MSME financial management in Kapanewon Godean. The sample used amounted to 99 respondents. The sampling technique used purposive sampling method. Analysis of research data using multiple linear regression method. The results indicate that financial literacy has a negative and significant effect on financial management, financial inclusion has no effect on financial management, and financial attitude has a positive and significant effect on financial management. The other results state that financial literacy, financial inclusion, and financial attitude simultaneously influence MSME financial management in Kapanewon Godean. The results of this study serve as a reference for the local government of Sleman Regency in planning a strategy for improving the performance of MSMEs.
Peran Fintech Terhadap Perkembangan UMKM di Yogyakarta Khafidloh, Suciliya Nor; Hermuningsih, Sri; Maulida, Alfiatul
INOVATOR Vol 10 No 2 (2021): SEPTEMBER
Publisher : prodima@fe.uika-bogor.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/inovator.v10i2.5955

Abstract

Berdasarkan penelitian ini untuk menganalisis pengaruh fintech (peer to peer lending dan payment gateway) terhadap perkembangan UMKM di Yogyakarta. Metode penelitian yang dipakai merupakan deskriptif kuantitatif. Metode kuantitatif yang digunakan sampel pada penelitian ini yaitu pelaku UMKM di Yogyakarta. Teknik pengumpulan data memakai angket skala likert. Hasil penelitian menunjukan bahwa, 1) Hasil penelitian menemukan bahwa peer to peer lending tidak berpengaruh dan tidak signifikan terhadap pelaku UMKM. 2) Hasil penelitian menemukan bahwa payment gateway berpengaruh positif dan signifikan terhadap perkembangan UMKM di Yogyakarta. Hal ini berarti Semakin tinggi kesamaan seseorang melakukan pembayaran dengan memakai payment gateway. Ini ditimbulkan adanya pengaruh terhadap pelaku UMKM akan memakai teknologi Payment Gateway kembali di masa mendatang. 3) Hasil penelitian pada uji F meunjukkan bahwa variabel independen yaitu Peer to peer lending dan Payment gateway berpengaruh positif secara signifikan terhadap variabel Perkembangan UMKM.
The Influence of Financial Literacy, Credit Requirements, and Financial Report Quality on Access to Financing for Micro, Small and Medium Enterprises Resti Gustika; Rinofah, Risal; Maulida, Alfiatul
Jurnal Ilmiah Manajemen Kesatuan Vol. 12 No. 5 (2024): JIMKES Edisi September 2024
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v12i5.2772

Abstract

This study examines the influence of financial literacy, credit requirements, and the quality of financial reports on access to financing for MSMEs in the micro-trade sector in Yogyakarta City. Using a quantitative approach, data were collected from 80 MSME respondents selected through purposive sampling. Data were gathered via questionnaires with a Likert scale and analyzed using Partial Least Square (PLS) version 4.0 to evaluate the measurement and structural models. The findings reveal that financial literacy significantly influences access to financing, indicated by a T-statistic of 2.234 and a P-value of 0.026. This suggests that higher financial literacy among MSME owners facilitates easier access to financing. Credit requirements also significantly affect access, with a T-statistic of 3.259 and a P-value of 0.001, highlighting the impact of complex credit conditions on MSME financing accessibility. However, the quality of financial reports does not significantly affect access, as shown by a T-statistic of 1.057 and a P-value of 0.290, implying that financial reports are not the primary factor in credit decisions for MSMEs. This study emphasizes the importance of improving financial literacy and addressing credit requirements to enhance financing access for MSMEs.
Faktor Yang Mempengaruhi Kinerja Keuangan (Studi Kasus UMKM Kuliner Kota Yogyakarta) Anggreini, Maharani; Maulida, Alfiatul; Prima Sari, Pristin
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 1 (2024): Oktober-Desember
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i1.493

Abstract

Economic growth in Indonesia is increasing with the emergence of Micro, Small, and Medium Enterprises (MSMEs) that offer a variety of products, one of the most popular types of businesses in Indonesia is in the culinary sector. The purpose of this study is to determine the influence of access to capital, financial literacy, compiling financial reports and payment gateways on the financial performance of culinary MSMEs in Yogyakarta City. This study uses a quantitative method with primary data obtained from the distribution of questionnaires, respondents are obtained in accordance with the sampling technique, namely using the slovin formula and data that has been in accordance with the calculation, namely 100 respondents. The results of this study show that the variables of access to capital and compiling financial statements have a positive and insignificant effect on financial performance, while the variables of financial literacy and payment gateway have a positive and significant effect on financial performance. Therefore, increasing access to capital, financial literacy, compiling financial reports and payment gateways are the basic capital needed by culinary MSME actors in order to minimize risks in management or decision-making in improving financial performance.
Enjoying Bakpia by exploring the Spirit of Tut Wuri Handayani Pramudito, Aditya; Huda, Dimas Rizky; Fitriana, Regita Nova; Permatasari, Sekar Putri; Sebri, Muhammad; Maulida, Alfiatul
IJCS: International Journal of Community Service Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v3i2.1163

Abstract

The main objective of this program is to provide training and guidance in the social and environmental fields that focus primarily on the development of MSMEs. Community service activities carried out by students and lecturers of the Management Study Program, Sarjanawiyata Tamansiswa University on October 11, 2024 at Bakpia Zahrae 215 have the theme "Enjoy Bakpia by Exploring the Spirit of Tut Wuri Handayani". Bakpia Zahrae 215, which was established in 2017, faces challenges in human resource management due to the absence of a Standard Operating Procedure (SOP). This study proposes the application of the "Tut Wuri Handayani" principle to build a good work culture and improve employee discipline. With this approach, it is hoped that employees can be directed and motivated, and can implement simple SOPs to increase productivity and product quality. The process of preparing SOPs takes time and patience, and it is important for owners to involve consultants or training institutions to create an optimal work environment. The results of this study are expected to support the sustainability of the Bakpia Zahrae 215 business and increase employees' sense of responsibility for their work.
Pengaruh Likuiditas, Arus Kas Dan Kesempatan Investasi Terhadap Keputusan Investasi Yang Dimoderasi Oleh Kendala Keuangan Amanah, Winda; Rinofah, Risal; Maulida, Alfiatul
Brainy: Jurnal Riset Mahasiswa Vol 5 No 2 (2024): Jurnal Riset Ekonomi dan Bisnis Mahasiswa Edisi Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/brainy.v5i2.120

Abstract

Penelitian ini bertujuan untuk menganalisis dampak sensitivitas likuiditas, arus kas, dan kesempatan investasi pada keputusan investasi dengan mempertimbangkan kendala keuangan sebagai variabel moderasi. Penelitian ini berfokus pada perusahaan di sub-sektor konstruksi berat dan teknik sipil antara tahun 2018 hingga 2022, yang melibatkan 27 perusahaan. Pengambilan sampel dilaksanakan dengan metode purposive sampling, sementara analisis data diterapkan regresi linier berganda serta Moderate Regression Analysis (MRA) menggunakan software SPSS versi 27. Temuan penelitian mengindikasikan bahwa likuiditas berpengaruh negatif dan signifikan terhadap keputusan investasi, sedangkan arus kas memberikan dampak positif dan signifikan. Di sisi lain, kesempatan investasi tidak berdampak signifikan pada keputusan investasi. Saat kendala keuangan dijadikan variabel moderasi, pengaruh likuiditas menjadi lebih signifikan pada perusahaan yang tidak memiliki kendala keuangan. Sebaliknya, arus kas tidak memiliki pengaruh yang berbeda pada kedua perusahaan. Namun, kesempatan investasi memiliki dampak yang lebih besar pada perusahaan yang menghadapi kendala keuangan.
Co-Authors A'yunin, Isnani Attin Nur Adi Prabowo , Adia Adi Prabowo, Adia Aji Laksono, Rofik Alat, Stefanus Febrianto Triano Amanah, Winda Anggraeni, Hesti Dea Anggreini, Maharani Aprilianingsih, Ratna Apriyani, Alya Tri Arifin, Amar Mustofa Dasu, Wahyudi Tri Elitasari, Ardiana Erfika, Natalia Riski Fitriana, Regita Nova Gendro Wiyono Hermunigsih, Sri Hikmah, Tsalitsa Nurul Huda, Dimas Rizky Hutami, Lusia Tria Hatmanti Ismiati, Jihan Dwi Julaiha, Julaiha Khafidloh, Suciliya Nor Kusumaningrum, Sintawati Mita Kusumawardhani, Ratih Laili, Tri Mochammad Imron Awalludin Monica, Liza Mutia Sari, Meli Nur Rahmawati Nurkamilah Nurkamilah Permatasari, Sekar Putri Praduana, Veradela Restu Pramudito, Aditya Pranisya, Rizal Pratama, Dimas Yogi Prima Sari, Pristin Purbonuswanto, Welius Puspasari, Chintya Anggraini Ramadani, Muhammad Aziz Resti Gustika Risal Rinofah, Risal Ruron, Priska Lolita Sahid Sahid Sari, Adelia Rantika sari, Febriana Kresna Sari, Pristin Prima Sari, Risa Puspita Sebri, Muhammad Setiawati, Nova Catur Sri Hermuningsih Sri Wahyuningsih Sulistyaningrum, Lusiana Supriadi, Didi Tri Kusuma, Nala Viki Yuni Astuti Wahyuni, Wiji Tri Wahyuningsih, Ambar Yempormase, Petrosina Yunita, Nurul