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Mardiana R
Universitas Dinamika Bangsa
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Analisis Faktor Yang Berpengaruh Terhadap Kesadaran Pengguna Dalam Memakai Aplikasi E-Wallet Studi Kasus: Masyarakat Kota Jambi Irfan Hassandi; Mardiana R; Muhammad Haris Saputra; Kanaya Puspa Kirana Lie
Jurnal Manajemen Teknologi Dan Sistem Informasi (JMS) Vol 3 No 1 (2023): JMS Vol 3 No 1 Maret 2023
Publisher : LPPM STIKOM Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (535.868 KB) | DOI: 10.33998/jms.2023.3.1.754

Abstract

Perkembangan teknologi selaras dengan makin beragamnya kebutuhan manusia. Teknologi semakin dapat dimanfaatkan untuk memudahkan berbagai urusan manusia. Seperti halnya perkembangan teknologi pada sektor keuangan yaitu adanya pengembangan dompet digital (E-wallet) yang mana membuat manusia tidak perlu lagi membawa dompet asli atau pun uang kertas karena semua sudah ada didalam aplikasi E-Wallet tersebut. Disamping itu, selaras dengan kemajuan teknologi isu lingkungan pun kini sangat diperhatikan. Pemanfaatan teknologi kerap disandingkan guna menjaga kelestarian lingkungan untuk keberlanjutan hidup manusia. Dengan adanya isu tersebut, dengan berlandaskan metode Technology Acceptance Method, apakah kegunaan aplikasi, kemudahan pemakaian, dan kesadaran lingkungan berpengaruh terhadap kesadaran pengguna menggunakan E-Wallet untuk studi kasus masyarakat Kota Jambi. Dengan metode regresi linear berganda ditemukan bahwa Variabel kegunaan aplikasi, kemudahan pemakaian, dan kesadaran lingkungan baik secara terpisah atau bersama berpengaruh signifikan terhadap kesadaran pengguna menggunakan aplikasi E-Wallet.
TANTANGAN SOSIAL EKONOMI PASCA COVID-19 MENGHADAPI ERA 5.0 SOCIETY UNTUK MENCAPAI KINERJA BERKELANJUTAN Muhammad Haris Saputra; Fitriaty; Puja Firmasari; Yosi Fadillah; Mardiana R; Irfan Hassandi
Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE) Vol 2 No 1 (2023): Volume 2 Nomor 1 Januari 2023
Publisher : LPPM Universitas Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (492.305 KB) | DOI: 10.33998/jumanage.2023.2.1.708

Abstract

Pandemi Covid-19 telah membuat banyak perubahan pada masyarakat dimana segala sesuatu dituntut bersifat non fisik dan memanfaatkan semua jaringan atau koneksi internet. Mulai dari berbelanja menggunakan toko online hingga bekerja secara normal di kantor, kita bisa bekerja dari rumah. Kajian ini bertujuan untuk melihat gambaran revolusi masyarakat 5.0 dilihat dari berbagai perspektif. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan analisis literatur yang secara khusus membahas masyarakat pascapandemi dan menghadapi masyarakat 5.0. Hasil penelitian ini menunjukkan bahwa Era Society 5.0 merupakan era manusia dan teknologi. Teknologi sudah menjadi kebutuhan yang harus dipenuhi oleh semua orang. Teknologi yang saling berhubungan dan diakses tanpa batas menghadirkan situasi yang kompleks. perkembangan teknologi dan berdasarkan peluang yang melekat pada inovasi
Anchoring Bias dalam Pengambilan Keputusan Investor Ritel (Studi Peristiwa Selama Pandemi COVID-19) Mardiana R; Muhammad Haris Saputra; Irfan Hassandi
Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE) Vol 2 No 2 (2023): Volume 2 Nomor 2 Juli 2023
Publisher : LPPM Universitas Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33998/jumanage.2023.2.2.780

Abstract

Pandemi COVID-19 telah meningkatkan jumlah investor ritel di Indonesia dan pasar modal menjadi instrumen investasi yang menarik bagi investor individu karena pasar modal menghasilkan return yang tinggi meski dengan tingkat risiko yang tinggi. Kemudian penelitian ini bertujuan untuk mengkaji peran perilaku yang mempengaruhi keputusan investasi di masa pandemi, serta dampak heuristik yaitu bias penjangkaran dan kebutuhan finansial pribadi yang dimiliki investor terhadap pengambilan keputusan investasi di pasar modal Indonesia, serta bertujuan untuk menguji peran bias jangkar terhadap pengambilan keputusan investasi yang dimoderatori oleh kebutuhan keuangan pribadi. Teknik pengambilan sampel penelitian ini menggunakan kuesioner dan teknik analisis data dengan SPSS Statistics. Sampel diperoleh dari 120 investor yang mengisi kuesioner secara online (melalui media sosial seperti WhatsApp, Instagram, dan email) dan offline. Hasil penelitian menunjukkan bahwa anchoring bias tidak berpengaruh signifikan terhadap terjadinya keputusan investasi di pasar modal tetapi terbukti signifikan terhadap pengambilan keputusan investasi yang dimoderatori oleh kebutuhan finansial pribadi. Lebih lanjut, hasil penelitian menunjukkan bahwa kebutuhan keuangan pribadi investor individu terbukti memiliki pengaruh yang signifikan terhadap pengambilan keputusan investasi di pasar modal Indonesia. Kata Kunci: Heuristik, Bias Penahan, Kebutuhan Finansial Pribadi, Pengambilan Keputusan Investasi,COVID-19
Implementasi Transformasi Digital dan Kecerdasan Buatan Sebagai Inovasi Untuk UMKM pada Era Revolusi Industri 4.0 R, Mardiana; Fahdillah, Yosi; Kadar, Melani; Hassandi, Irfan; R, Mandasari
Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE) Vol 3 No 1 (2024): Volume 3 Nomor 1 Januari 2024
Publisher : LPPM Universitas Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33998/jumanage.2024.3.1.1552

Abstract

Abstract−Technology plays an important role in economic development. Covid-19 has changed people's lifestyles and the behavioral patterns of business actors have transformed from traditional to digital. Even though Covid-19 has had a significant impact in the form of a decline in the global economy, including on Micro, Small and Medium Enterprises (MSMEs), it has also provided lessons in the form of adaptation to innovation and digital transformation in the form of the application of the latest technology and artificial intelligence. In line with the industrial revolution 4.0 and digital transformation, it can provide opportunities and strengths to build sustainable businesses. Along with changes in people's consumption patterns, MSMEs have also implemented digital adoption in the form of switching to e-commerce platform sites, food delivery applications and online business models. However, the adoption of artificial intelligence is still not widely used by MSMEs. However, several MSMEs have adopted artificial intelligence technology such as chatbot applications for communication services. Apart from that, support and providing programs from the government and the private sector are needed for MSMEs so that they can develop and adapt their business models to the latest technological adaptations so that MSMEs are also able to survive and even grow rapidly in the future.Keywords: Industrial Revolution 4.0, Digital Transformation, Artificial Intelligence, MSMEs
Global Perspectives on Financial Policy Optimization: Addressing Overinvestment and its Impact on Corporate Profitability (Study on Indonesia Stock Exchange) Saputra, Muhammad Haris; R, Mardiana; Fahdillah, Yosi; Yuliana, Yuliana
SENTRALISASI Vol. 13 No. 2 (2024): Sentralisasi
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v13i2.3203

Abstract

The primary objective of this research is to investigate the impact of overinvestment on corporate performance. It also seeks to analyze the effectiveness of debt policy, dividend policy, and the combined use of debt and dividend policy in alleviating the adverse effects of overinvestment on corporate performance. The study utilizes data from a sample of 53 non-financial companies that carried debt and consistently distributed dividends from 2010 to 2022. Overinvestment is assessed through two methods: the residual value derived from the new investment equation and the Hodrick-Prescott (HP) filter. The data is then transformed into panel data, and various models such as fixed effect, random effect, and common effect are applied to identify the most suitable model. The findings indicate a negative correlation between overinvestment and corporate performance. Debt policy emerges as a mitigating factor, addressing agency conflicts and reducing the adverse impact of overinvestment on company performance. Similarly, dividend policy proves effective in mitigating the negative effects of overinvestment by constraining excess cash. The combination of debt and dividend policies is identified as a comprehensive strategy to mitigate overinvestment, as it aids in curbing excessive free cash flow. However, it is noted that this combination also lowers financing funds to their minimum level, potentially leading to a shortage of funds for future profitable projects. Consequently, careful calculations are emphasized to ensure companies strike a balance, avoiding neglect of profitable investments in the future.    
EDUKASI LITERASI KEUANGAN PADA SISWA DAN SISWI SMAN. 12 KOTA JAMBI yossinomita; Mardiana; Saputra, Muhammad Haris; Hassandi, Irfan; Rahman, Aldi Aulia; Yonatan, Terence Adi; Yamir , Septi Novi
Jurnal Pengabdian Masyarakat UNAMA Vol 3 No 1 (2024): JPMU Volume 3 Nomor 1 April 2024
Publisher : LPPM Universitas Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33998/jpmu.2024.3.1.1591

Abstract

Perencanaan keuangan menjadi sumber yang penting untuk mempersiapkan kelancaran bisnis maupun kehidupan di masa depan. Perencanaan keuangan juga bisa membantu seseorang untuk mempersiapkan dana dalam menghadapi risiko yang mungkin akan terjadi didalam hidupnya. Di era ketidakpastian saat ini, banyak sekali permasalahan yang timbul akibat adanya kekurangan perencanaan keuangan yang matang. Literasi keuangan merupakan rangkaian aktivitas atau proses dalam meningkatkan keterampilan, keyakinan, dan pengetahuan seseorang untuk mampu mengelola keuangan pribadi secara yang lebih baik lagi. Otoritas jasa keuangan (OJK) menjelaskan bahwa tujuan dalam pembelajaran literasi keuangan agar dapat mewujudkan masyarakat (individu) yang mampu memanfaatkan produk atau jasa keuangan untuk peningkatan kesejahteraan mereka. Literasi keuangan merupakan komponen penting dalam kehidupan masyarakat dan individu diharuskan untuk mempunyai pengetahuan sejak dini untuk mengelola keuangan secara tepat. Sosialisasi berupa penyampaian materi dan praktek literasi keuangan di kalangan masyarakat muda di kalangan remaja, yakni siswa dan siswi SMA masih rendah. Kegiatan pengabdian kepada masyarakat ini dilakukan di SMA Negeri 12 Kota Jambi dengan tujuan adalah untuk memberikan pengetahuan tentang uang dan pentingnya menabung, meningkatkan pengetahuan tentang Lembaga keuangan di Indonesia beserta manfaat dan resiko terhadap produk keuangan, dan untuk mengajarkan tentang skala prioritas dalam mengelola keuangan
ANALISIS KEBIJAKAN KEUANGAN SEBAGAI MITIGASI OVERINVESTMENT TERHADAP PROFITABILITAS PERUSAHAAN Saputra, Muhammad Haris; Fitriaty, Fitriaty; Firmasari, Puja; Mardiana, Mardiana
Jurnal Ilmiah Ekonomi Bisnis Vol 29, No 3 (2024)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2024.v29i3.10721

Abstract

The main objective of this study is to analyze the impact of overinvestment on firm performance and the moderating role of debt policy, dividend policy in reducing the negative effect of overinvestment on firm performance. This study uses data from a sample of 50 non-financial companies that have debt and consistently pay dividends from 2010 to 2023. Overinvestment is calculated through two methods: the residual value of the new investment equation and the Hodrick-Prescott (HP) filter. The data was then transformed into panel data, and various models such as fixed effect, random effect, and common effect were applied to identify the most appropriate model. This study found a negative correlation between overinvestment and firm performance. Debt policy is a mitigating factor in overcoming agency conflicts and reducing the negative impact of overinvestment on firm performance. Dividend policy is proven effective in reducing the negative impact of overinvestment by limiting excess cash. The combination of debt and dividend policy is identified as a comprehensive strategy to mitigate overinvestment, as it helps limit excessive free cash flow. This combination also lowers financing funds to a minimum level that could potentially lead to a shortage of funds for profitable projects in the future. Careful calculations are required to ensure the company achieves a balance, avoiding the neglect of profitable investments in the future.
Financial Literacy, Risk and Usefulness Perception Toward Interest in Transaction for Culinary MSMEs through Fintech in Jambi City R, Mandasari; R, Mardiana
Jurnal Bisnis Mahasiswa Vol 4 No 4 (2024): Jurnal Bisnis Mahasiswa
Publisher : PT Aksara Indo Rajawali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60036/jbm.v4i4.art30

Abstract

Nowadays, traditional business processes have been disrupted due to the Internet's involvement. Many business owners in the culinary industry now accept cashless payments from their customers, which has been impacted by the Internet's inclusion into traditional business methods like financial technology (fintech), or the automation of payment processes. Fintech can accelerate the business of small and medium-sized enterprises and create major innovation for both the owners and customers. This study aims to examine the effect of financial literacy, perception of usefulness, and risk perception on interest in using financial technology for culinary business owners. Online and offline questionnaires were distributed to 135 respondents and analyzed with SPSS statistics. Then, it was found that financial literacy and perception of usefulness significantly influence owners' interest in using fintech. Meanwhile, the risk perception does not affect owners' interest in using fintech. At the same time, financial literacy, usefulness perception, and risk perception simultaneously influence owners' interest in using fintech.
Co-Authors Fahdillah, Yosi Firmasari, Puja Fitriaty, Fitriaty Irfan Hassandi Kadar, Melani Kanaya Puspa Kirana Lie Muhammad Haris Saputra Puja Firmasari R, Mandasari Rahman, Aldi Aulia Yamir , Septi Novi Yonatan, Terence Adi Yosi Fadillah Yossinomita Yuliana Yuliana