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FINANCIAL KNOWLEDGE AND FINANCIAL BEHAVIOR: THE ROLE OF SELF-EFFICACY AND FINANCIAL ATTITUDES Hidayat, Taufik; Fikri, Muhammad Ali; Kusuma, Desta Rizky
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7 No 4 (2023): IJEBAR, Vol. 7 Issue 4, December 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i4.10739

Abstract

Young people are vulnerable people with various problems, especially financial problems. To overcome financial problems, individuals must understand well about financial knowledge, self-efficacy, financial attitudes and also financial behavior. Researchers wanted to analyze the role of self-efficacy and financial attitudes on the effect of financial knowledge on financial behavior. The respondents of this study were generation Z in Yogyakarta with a sample of 80 respondents. Data from respondents were processed with the Structural Equation Model (SEM) with the Smart PLS 4.0 statistical tool. The results of this study show that financial knowledge has an effect on financial behavior, self-efficacy mediates the effect of financial knowledge on financial behavior, financial attitudes mediate the effect of financial knowledge on financial behavior.
Sikap Keuangan Dan Pengetahuan Keuangan Terhadap Kemampuan Keuangan: Peran Perilaku Keuangan Pada Sektor Usaha Produk Halal Kusuma, Desta Rizky; Fikri, Muhammad Ali; Putra, Ulinnuha Yudiansa
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9044

Abstract

Financial literacy is one of the important aspects for organizations to be able to manage their financial resources optimally. This study aims to determine the effect of financial attitude, financial knowledge, and financial inclusion on financial ability with financial behavior as a mediating variable. This study used a sample of 180 from Micro, Small and Medium Enterprises (MSMEs) in the halal product business sector. The data processing technique used in this study is the structural model equation technique using the Smart PLS 3.0 software. The results showed that financial attitude has a positive effect on financial behavior, financial knowledge has a positive effect on financial behavior, financial behavior does not have a positive effect on financial capability, financial attitude does not have a positive effect on financial capability, financial knowledge does not have a positive effect on financial capability, financial behavior does not mediate the positive effect of financial attitude on financial capability, financial behavior does not mediate on the positive effect of financial knowledge on financial capability.
KEWAJARAN NILAI PASAR SAHAM PERUSAHAAN PASCA RIGHT ISSUE Khoirudin, Rifki; Kusuma, Desta Rizky
Jurnal Ilmu Ekonomi dan Pembangunan Vol 16, No 1 (2016): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (197.593 KB) | DOI: 10.20961/jiep.v16i1.2316

Abstract

This study aims to estimate the fair value per share of PT BW Plantation Tbk after the company offered right issue. This study is also intended to find out the fair market value per share of PT BW Plantation Tbk post-rights issue. The information used in this study was obtained from secondary data from the financial statements of PT BW Plantation Tbk., which were audited by public accountants and other information available in the financial statements. BW Plantation Tbk., The company's financial statements comparison, and the company's stock price data comparison. The methods of analysis used in determining the fair value per share is the Discounted Cash Flow and Relative Valuation. Discounted Cash Flow analysis was done by: projections of financial statements i.e. balance sheet and income statement, the projected Free Cash Flow to Equity (FCFE), the determination of the discount rate, the determination of Terminal Value, and the estimated fair value of equity. Analysis of Relative Valuation begins with finding the comparison companies in the same business line, select and assign the appropriate multiple of the comparison companies. Multiple used are: Price Earnings Ratio (PER), Price to Book Value (PBV), and Price to Sales Ratio (P / S).Keywords: valuation of shares, rights issue, discounted cash flow, relative valuation