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Peran Financial Literacy Dalam Memediasi Financial Behavior Terhadap Financial Well-Being (Studi E-Wallet Dana) Putri Lestari; Liana Mangifera
Madani: Jurnal Ilmiah Multidisiplin Vol 1, No 10 (2023): November
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10144537

Abstract

The use of internet-based technology by the public continues to increase.  The most popular and effective server for using information systems is the internet. One form of technology that supports the stability of the ease of financial system services and increases economic efficiency is E-Wallet. DANA is a form of Indonesian digital wallet with non-cash transaction services that are more effective, transparent, and secure, coinciding with the development of E-wallet. DANA's design makes non-cash transactions and non-card wallets efficient. Interest in using a digital wallet in a person is influenced by various supporting factors, such as understanding financial literacy. Financial literacy is a measure of a person's capacity to handle their money wisely, which is reflected in their attitude, knowledge, and efficacy towards future financial well being. This research uses Smart-PLS data processing software with 114 respondents covering all people in Indonesia from various age groups, education, and income. The results of this study use the analysis of convergent validity test, reliability test, inner model test, and hypothesis testing.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI FINANCIAL DISTRESS DENGAN PENDEKATAN ALTMAN Z-SCORE PADA PERUSAHAAN CONSUMER NON-CYCLICAL YANG TERDAFTAR DI BEI TAHUN 2020-2023 Putri Lestari; Imronudin
JURNAL LENTERA BISNIS Vol. 13 No. 3 (2024): JURNAL LENTERA BISNIS, SEPTEMBER 2024
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v13i3.1286

Abstract

This study aims to analyze the factors that influence financial distress with the Altman Z-score approach in non-cyclical consumer companies listed on the IDX in 2020-2023. This research is included in quantitative research. The population in this study uses companies in the consumer non-cyclical sector listed on the Indonesia Stock Exchange (IDX). Sampling using probability random sampling. The data source used is secondary data. Data collection techniques through reading and analyzing various literature books, journals, and also theses. As well as the use of the website through the official website of the Indonesia Stock Exchange (IDX), namely www.idx.co.id and the official website owned by the Company. The data analysis technique uses data processing assistance through excel 2019 software and Eviews or Econometric Views version 12 with the regression analysis method. The results of the study are that profitability and total asset turnover have a positive and significant effect on financial distress. Leverage has a negative and significant effect on financial distress. However, simultaneously the independent variables in this study, namely profitability, leverage, and total assets turnover, have an overall influence on financial distress.