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Capital Asset Pricing Model (CAPM) Analysis: Technology Sector Stock Conditions Before and During the Pandemic Rizky Ramadhoni, Refindi; Matoati, Rindang; Rahmawati, Siti; Kaewlaead, Chuta; Juwita Ermawati, Wita
Jurnal Manajemen dan Organisasi Vol. 15 No. 2 (2024): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jmo.v15i2.56449

The COVID-19 pandemic made people more active in saving, such as investing in the capital market. Stocks in the technology sector were excellent stocks because the trading volume increased by up to 7.3 times during the pandemic. The Capital Asset Pricing Model (CAPM) was a model to see the expected rate of return and aimed to assist investors in making investment decisions. CAPM used beta (β) to measure the sensitivity a stock or portfolio is to market movements. Beta indicates the tendency of an asset's return to react to fluctuations in the overall market. This study aimed to look at differences in technology sector stocks in the period before and during the pandemic using the CAPM method and paired t-test. The research using a purposive sampling method. A quantitative descriptive method was used in this study and used secondary data in the form of financial statements of technology sector companies listed on the Indonesia Stock Exchange. Based on the results of the study, seven stocks had an average negative return before the pandemic and positive returns during the pandemic. There was one efficient stock in the pre-pandemic period and six inefficient shares, and seven shares were classified as efficient shares during the pandemic. The results of the paired t-test showed that there was a significant difference between individual returns before and during the pandemic.

ANALISIS KEBUTUHAN PELATIHAN PADA DIVISI CUSTOMER SERVICE & KEY ACCOUNT PT XYZ JAKARTA Satibi, Muhammad; Sembiring, Indra Refipal; Matoati, Rindang
Referensi : Jurnal Ilmu Manajemen dan Akuntansi Vol 12, No 3 (2024)
Publisher : Unitri Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/ref.v12i3.6340

The decline in customer satisfaction scores in the Customer Service Key Account (CS KA) Division of PT XYZ Jakarta indicates the need to improve knowledge, skills, and work behavior through a training program. This training is intended to address the gap between the competencies possessed by employees and the competency requirements for the positions within the division. The purpose of this research is to identify the components of competence, analyze the gap between job competency requirements and personal work competence, and prioritize as well as recommend appropriate training needs for employees of the CS KA Division. The sampling method used is saturated sampling, with a total sample of 19 people. The research methodology applies training need assessment tools (TNA-T) with a KKJ-KKP gap analysis. Data processing is carried out using Microsoft Excel. After analyzing the data, the results show that all positions in the CS KA division, except for the CS Manager, require training. Four competency indicators are identified as top priorities, and eight other competency indicators are secondary priorities that need training. The recommended training methods to address these gaps include lecture/e-lecture, case studies, role-playing, and self-directed learning.

Analisis Niat Penggunaan Berkelanjutan Pengguna Mobile Banking XYZ di Jabodetabek Menggunakan Expectation Confirmation Model (ECM) Matoati, Rindang; Nurlita, Ratna
Jurnal Manajemen Vol. 14 No. 2 (2024): Jurnal Manajemen
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/4q7rhg47

Industri perbankan yang semakin ketat menuntut PT Bank XYZ melalui mobile banking XYZ untuk menghadirkan layanan yang unggul guna mempertahakan nasabah yang sudah ada. Hal ini penting mengingat keberhasilan layanan mobile banking bergantung pada kemampuan layanan untuk mempertahankan pengguna yang ada. Penelitian ini mengidentifikasi faktor-faktor yang memengaruhi penggunaan berkelanjutan pada mobile banking XYZ di wiliyah Jabodetabek melalui konstruk Expectation Confirmation Model (ECM). Metode penarikan sampel dilakukan dengan metode purposive sampling kepada 135 sampel menggunakan sumber data primer dan sekunder yang kemudian dianalisis dengan analisis deskriptif dan SEM-PLS. Hasil penelitian menyimpulkan bahwa confirmation berpengaruh positif dan signifikan terhadap perceived usefulness. Selain itu, confirmation dan perceived usefulness berpengaruh positif dan signifikan terhadap satisfaction. Continuance usage intention pengguna mobile banking XYZ dipengaruhi secara langsung dan signifikan oleh perceived usefulness dan satisfaction.

The Influence of Financial Literacy, Use of Social Media, and Social Demographic Factors on Consumptive Behavior Muwaffaq, Bahruddin Syah; Dewi, Farida Ratna; Viana, Eka Dasra; Matoati, Rindang
GREENOMIKA Vol. 5 No. 1 (2023): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2022.05.1.1

This research aims to determine (1) to analyze the level of financial literacy of adolescents in Jabodetabek, (2) to analyze the impact of the dimensions of financial literacy on consumptive behaviour, (3) to analyze the impact of social media usage on the consumptive behaviour,4) analyze the impact of socio-demographic factors the consumptive behaviours type of research is quantitative and qualitative, and the data source is primary data (questionnaire). The method used is descriptive analysis method and analysis of Structural Equation Modemodellingartial Least Square (SEM-PLS). The result is level of financial literacy of the late adolescent is well-literate, with a percentage of 44%. Financial knowledge and socio-demographic factors do not significantly affect delinquent adolescent consumptive behaviour. Financial attitudes, financial behaviour and social media usage significantly impact the late adolescent workforce in Jabodetabek.

The Influence of Macroeconomic Variables on Non-Performing Loan (NPL) at PT Bank Mandiri (Persero) Tbk Radhianas, Binky Mohammad; Matoati, Rindang; Viana, Eka Dasra; Dewi, Farida Ratna; Kaewlaead, Chuta
GREENOMIKA Vol. 6 No. 1 (2024): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2024.06.1.6

In recent years, Bank Mandiri's non-performing loan (NPL) ratio has been on a relatively stable decline until the COVID-19 pandemic in 2020 quarter I put pressure on the Indonesian economy. Since then, Bank Mandiri's NPL ratio has increased significantly due to the global economic recession that also occurred in Indonesia in 2020 quarter III. This study aims to analyse the effect of macroeconomic variables such as gross domestic product, inflation, interest rates, and exchange rates on non-performing loans (NPL) specifically at Bank Mandiri. This study uses secondary data in the form of historical data of related variables and Vector Error Correction Model (VECM) to estimate the dynamics of long-term and short-term relationships between variables. The results of this study indicate that macroeconomic variables such as BIRATE, INF, and LNPDB significantly affect Bank Mandiri's NPLs in the long-run dynamics, while LNKURS is statistically significant in the short-run dynamics. Keywords: Macroeconomic, Non-Peforming Loan, VECM

Perception of Risk on Interest in Using Online Loans as an Alternative Education Financing Yudesti, Rahmi; Matoati, Rindang
REVENUE: Jurnal Manajemen Bisnis Islam Vol. 5 No. 2 (2024)
Publisher : Sharia Business Management UIN Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/revenue.v5i2.24426

Education played an important role in improving the quality of human resources. However, the high cost was an obstacle for many people to continue to a higher level. According to the Central Statistics Agency (BPS), the cost of education rises 10%-15% every year, with the cost of higher education reaching IDR 14.47 million in 2020/2021. The increase in tuition fees at some universities also added to the burden on students. On the other hand, advances in financial technology offered financing solutions through online loans. However, this option often comes with various risks. The purpose of this study was to analyze the perception of risk on the interest in making online loans as an alternative education financing. This research was a quantitative study with a voluntary sampling technique and used the Structural Equation Modeling-Partial Least Square (SEMPLS) analysis method. The results showed that all aspects of risk perception consisting of financial risk, security risk, psychological risk, and performance risk had a negative and significant effect on interest in making online loans as an alternative to education financing.

Literasi Keuangan, Financial Self-Efficacy, Orientasi Masa Depan dan Theory of Planned Behavior terhadap Minat Investasi Dana Pensiun Fadilah, Rindi Anti Nur; Viana, Eka Dasra; Matoati, Rindang
Modus Vol. 37 No. 2 (2025): VOL 37 NO 2 (2025)
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v37i2.10592

Indonesia has a large workforce; however, participation in pension programs remains low, with only around 6% or 3,990,234 individuals enrolled. According to a 2020 DPLK survey, only 14% of millennials have a pension plan, despite being among the most financially vulnerable groups when entering retirement. This study aims to examine the influence of financial literacy, financial self-efficacy, future orientation, and factors within the Theory of Planned Behavior on millennials’ interest in investing in pension funds. The research was conducted in the Greater Jakarta area (Jabodetabek) from March to July 2023, utilizing both primary and secondary data, and analyzed using the SEM-PLS method. The findings indicate that future orientation, attitude toward behavior, and perceived behavioral control have a significant influence on millennials’ interest in pension fund investment. Meanwhile, financial literacy, financial self-efficacy, and subjective norms show a positive but not statistically significant effect. These results suggest that fostering a strong future orientation, along with positive attitudes and a sense of control over financial decisions, can enhance millennials’ interest in pension investment. Therefore, targeted efforts are needed to improve financial literacy, boost financial self-efficacy, and strengthen long-term financial awareness among millennials to support better financial preparedness for retirement. Keywords: financial literacy; financial self-efficacy; future orientation; millenials; pension fund. Indonesia memiliki jumlah angkatan kerja yang besar, namun partisipasi dalam program dana pensiun masih rendah, yaitu hanya sekitar 6% atau 3.990.234 orang. Survei DPLK tahun 2020 mencatat bahwa hanya 14% generasi milenial yang memiliki program pensiun, padahal kelompok ini termasuk yang paling rentan secara finansial saat memasuki masa pensiun. Penelitian ini bertujuan untuk mengkaji pengaruh literasi keuangan, financial self-efficacy, orientasi masa depan, serta faktor-faktor dalam Theory of Planned Behavior terhadap minat generasi milenial dalam berinvestasi pada dana pensiun. Penelitian dilakukan di wilayah Jabodetabek selama Maret–Juli 2023 dengan menggunakan data primer dan sekunder serta dianalisis menggunakan metode SEM-PLS. Hasil penelitian menunjukkan bahwa orientasi masa depan, sikap terhadap perilaku (attitude toward behavior), dan persepsi kontrol perilaku (perceived behavioral control) berpengaruh signifikan terhadap minat investasi dana pensiun. Sementara itu, literasi keuangan, financial self-efficacy, dan norma subjektif menunjukkan pengaruh positif tetapi tidak signifikan. Temuan ini menyiratkan bahwa membentuk orientasi masa depan yang kuat, serta meningkatkan sikap positif dan rasa kontrol terhadap keputusan keuangan, dapat mendorong minat berinvestasi dalam dana pensiun. Oleh karena itu, diperlukan upaya yang lebih terarah untuk meningkatkan literasi keuangan, kepercayaan diri dalam mengelola keuangan, dan kesadaran jangka panjang generasi milenial guna menciptakan kesiapan finansial di masa pensiun. Kata kunci: dana pensiun; financial self-efficacy; generasi milenial; literasi keuangan; orientasi masa depan.

Analisis Kinerja Keuangan dan Tingkat Kebangkrutan Perusahaan Subsektor Perikanan Apricilia, Ovi; Matoati, Rindang
Jurnal Manajemen dan Bisnis Indonesia Vol. 10 No. 2 (2024): Edisi Bulan Desember
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jmbi.v10i2.2728

Sektor pertanian, kehutanan dan perikanan merupakan satu-satunya sektor yang memiliki laju pertumbuhan usaha yang selalu positif selama periode 2019 hingga 2022. Subsektor perikanan merupakan bagian sektor pertanian, kehutanan, dan perikanan memiliki laju pertumbuhan terbesar selama periode 2019 hingga 2023. Pertumbuhan tersebut didukung dengan bentuk negara Indonesia yang 62% dari total luas wilayahnya merupakan perairan. 4 dari 6 perusahaan perikanan yang go public pernah mengalami laba negatif selama periode 2019 hingga 2023 sehingga diperlukan analisis lebih lanjut terkait kinerja keuangan menggunakan rasio keuangan dan tingkat kebangkrutan menggunakan Altman’s Z-Score. Penelitian dilaksanakan pada bulan Maret 2024 hingga Juni 2024 menggunakan data laporan keuangan tahunan. Hasil penelitian ini menunjukkan bahwa kinerja keuangan terbaik ada di perusahaan PT Era Mandiri Cemerlang Tbk. dan Dharma Samudra Fishing Industries. Kinerja keuangan terburuk ada pada perusahaan PT Dua Putra Utama Makmur Tbk. Analisis Altman’s Z-Score juga mendukung bahwa perusahaan PT Dua Putra Utama Makmur Tbk. memiliki tingkat kebangkrutan tertinggi.

The Influence of Financial Literacy, Use of Social Media, and Social Demographic Factors on Consumptive Behavior Muwaffaq, Bahruddin Syah; Dewi, Farida Ratna; Viana, Eka Dasra; Matoati, Rindang
GREENOMIKA Vol. 5 No. 1 (2023): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2022.05.1.1

This research aims to determine (1) to analyze the level of financial literacy of adolescents in Jabodetabek, (2) to analyze the impact of the dimensions of financial literacy on consumptive behaviour, (3) to analyze the impact of social media usage on the consumptive behaviour,4) analyze the impact of socio-demographic factors the consumptive behaviours type of research is quantitative and qualitative, and the data source is primary data (questionnaire). The method used is descriptive analysis method and analysis of Structural Equation Modemodellingartial Least Square (SEM-PLS). The result is level of financial literacy of the late adolescent is well-literate, with a percentage of 44%. Financial knowledge and socio-demographic factors do not significantly affect delinquent adolescent consumptive behaviour. Financial attitudes, financial behaviour and social media usage significantly impact the late adolescent workforce in Jabodetabek.

The Effect of E-service quality and Brand image on Interests in Reusing Bibit Application Gustyantoro, Ilham; Matoati, Rindang
GREENOMIKA Vol. 5 No. 2 (2023): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55732/unu.gnk.2023.05.2.5

The development of globalization has made all activities inseparable from technological assistance, including the digital investment sector. The increasing number of investors have made various digital investment applications compete to find users by improving the quality of service and brand image. The purpose of this studywas to analyze the effect of e-service qualityand brand image on the intention to reuse the Bibit application. This research was conducted in the Jabodetabek area using a quantitative method. The sample studied was Bibit application users in Jabodetabek and aged between 17-30 years as many as 160 people selected using a voluntary sampling technique. The data processing method uses SEM-PLS with the Smart PLS application 3. The results show that there was a positive and significant effect of e-service quality and brand image on the interest in reusing the Bibit application. others and can add other variables such as promotions and ease of use to interest in reusing Bibit

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