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TINJAUAN KELAYAKAN DAN IMPLIKASI PEMBANGUNAN GEDUNG BARU UNIVERSITAS PARAMADINA DI CIPAYUNG Romadhona, Fitria; Abigail, Muhammad; Pratiwi, Permata Dian
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 1 (2024): Edisi Januari - April 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i1.3608

Analisis studi kelayakan pembangunan gedung baru Universitas Paramadina di Cipayung dilakukan untuk melihat kelayakannya dari segi finansial dan investasi menggunakan metode kuantitatif dengan metode perhitungan NPV, IRR, PP dan PI dan segi non-finansial meliputi aspek manajemen dan organisasi, aspek pasar dan pemasaran, serta aspek ekonomi dan sosial yang dilakukan menggunakan teknik analisis kualitatif. Studi ini akan mengkaji bagaimana prospek perkembangan universitas di masa depan melalui apa yang sudah dan akan dilakukan oleh Universitas Paramadina. Penelitian ini akan sangat berguna bagi Universitas Paramadina dalam membantu merumuskan langkah yang akan diambil selanjutnya dalam meningkatkan kualitas. Aspek ekonomi-sosial akan menyoroti bagaimana kelayakan dari aspek internal (aspek finansial, manajemen dan organisasi serta pasar dan pemasaran) yang menunjukkan pembangunan gedung Universitas Paramadina di Cipayung memberikan implikasi positif terhadap kehidupan ekonomi-sosial masyarakat sekitar, seperti membuka lapangan pekerjaan, membuka peluang bisnis dan menghasilkan SDM berkualitas karena mudahnya akses pendidikan tinggi serta mendatangkan pembangunan sarana dan prasarana umum.

PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN GENERASI Z DENGAN GAYA HIDUP SEBAGAI VARIABEL INTERVENING Siregar, Muhammad Adrian; Pratiwi, Permata Dian
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 3 (2024): Edisi September - Desember 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i3.4862

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap perilaku keuangan Generasi Z dengan gaya hidup sebagai variabel intervening. Generasi Z di Jakarta, yang hidup di tengah pesatnya perkembangan digital dan informasi, dihadapkan pada tantangan khusus dalam pengelolaan keuangan mereka. Dengan pendekatan kuantitatif dan metode survei melalui kuesioner, penelitian ini melibatkan 153 responden yang dipilih secara purposive sampling. Data dianalisis menggunakan model Structural Equation Modeling-Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS versi 4. Hasil penelitian menunjukkan bahwa literasi keuangan memiliki pengaruh positif dan signifikan terhadap perilaku keuangan Generasi Z, sementara pengaruh gaya hidup terhadap perilaku keuangan juga signifikan, meskipun lebih kecil dibandingkan literasi keuangan. Namun, gaya hidup tidak memediasi hubungan antara literasi keuangan dan perilaku keuangan secara signifikan. Temuan ini mengindikasikan pentingnya program literasi keuangan yang lebih efektif guna meningkatkan pengelolaan keuangan Generasi Z. Hasil ini diharapkan menjadi dasar bagi penyusunan strategi edukasi yang relevan untuk membantu Generasi Z dalam pengambilan keputusan keuangan yang bijak.

Analisis Performa Keuangan Perusahan pada PT Indofood Sukses Makmur, Tbk Periode 2018-2023 Dewi Ambarwati; Dhea Anggraini; Permata Dian Pratiwi
Economic Reviews Journal Vol. 3 No. 4 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i4.603

This research is analyzing financial performance of PT Indofood Sukses Makmur, Tbk from 2018-2023 using liquidity, probability, solvency and activity. The objective of this study is to assess the company's ability to overcome challenges, particularly during the COVID-19 pandemic, and to understand the strategies it implemented in response. Data for this research was sourced from financial reports on the Indonesia Stock Exchange and analyzed using a quantitative descriptive approach. The study finds that the liquidity ratios show a positive trend, with an average Current Ratio of 145.9% and a Quick Ratio of 104.7%, indicating the company's strong capacity to meet short-term liabilities. Profitability remains stable, with an average Return on Investment (ROI) of 6.3% and Return on Equity (ROE) of 12.1%, reflecting the company's efficiency in generating profits. The solvency analysis, based on the Debt to Asset Ratio (DAR) averaging 48.2%, shows a balanced level of debt, while the decreasing Debt to Equity Ratio (DER) suggests improved debt management. The activity ratios, including Total Asset Turnover (TAT) and Fixed Asset Turnover (FAT), highlight consistent efficiency in utilizing assets to drive revenue. Despite the challenges posed by the pandemic, PT Indofood Sukses Makmur, Tbk has maintained solid financial health, demonstrating robust liquidity, stable profitability, and effective solvency and asset management. This research aims to contribute to financial literature and serve as a reference for both companies and investors in making informed strategic decisions.

The Influence of Financial Technology on Saving Behavior Through Self-Control as a Mediator in Generation Z Widyaningrum, Indah; Paradita, Gusti Enggar; Pratiwi, Permata Dian
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2625

This research aims to test and analyze the influence of financial technology on saving behavior with self-control as a mediating variable in Generation Z. Developments in financial technology influence the way Generation Z manages their finances. This research uses a quantitative descriptive method by collecting data through online questionnaires and using 400 Generation Z respondents in West Java. Structural Equation Modeling Partial Least Squares (SEM-PLS) was used as an analysis method in this research. The research results show that financial technology has a positive effect on saving behavior, financial technology has a positive effect on self-control, self-control has a positive effect on saving behavior, and self-control has a positive effect in the mediation of financial technology on saving behavior.

BUDAYA ORGANISASI DAN KOMITMEN MANAJEMEN TERHADAP PIPK: STUDI KASUS PADA OMBUDSMAN REPUBLIK INDONESIA Khomaeni, Ahmad; Ristanti, Almah; Pratiwi, Permata Dian
Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi Vol 10, No 2 (2025): Mei 2025
Publisher : Accounting Departement Economics and Business Faculty Syiah Kuala University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jimeka.v10i2.34129

Internal Control over Financial Reporting (PIPK) is essential for ensuring financial accountability in government institutions. The Ombudsman of the Republic of Indonesia faces challenges in implementing PIPK due to limited resources and budget constraints. This study examines how organizational culture and management commitment influence PIPK implementation. Using a qualitative case study approach, data were gathered through interviews with senior management, internal auditors, and finance staff. Thematic analysis revealed that strong management commitment significantly enhances the effectiveness of PIPK. However, inconsistent organizational culture, low employee engagement, and rigid hierarchical structures present notable obstacles. Furthermore, poor interdepartmental coordination hinders the standardization of internal control practices. The study recommends fostering a culture of compliance through strong leadership, ongoing training, and improved communication. These efforts are crucial to enhancing accountability and transparency, particularly in resource-constrained institutions.

PENGARUH MENTAL ACCOUNTING DAN LITERASI KEUANGAN TERHADAP FINANCIAL BEHAVIOUR DENGAN DIMEDIASI GAYA HIDUP KONSUMTIF MAHASISWA AKTIF DI DKI JAKARTA Ismia, Fani Kesya; Udzikrilah, Sinta; Pratiwi, Permata Dian
Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi Vol 9, No 2 (2024): Mei 2024
Publisher : Accounting Departement Economics and Business Faculty Syiah Kuala University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jimeka.v9i2.30045

This research explores the influence of Mental Accounting and Financial Literacy on Financial Behavior, mediated by Consumer Lifestyle, using a sample of active students in DKI Jakarta. SmartPLS 4 is utilized to analyze the research model, with SEM (Structural Equation Modeling) employed to test the hypotheses. The study involves 217 respondents from active students in DKI Jakarta. The research examines three variables: Mental Accounting and Financial Literacy as independent variables, Financial Behavior as the dependent variable, and Consumer Lifestyle as the mediating variable. The objective is to understand how students' mental accounting practices and financial literacy levels impact their financial behaviors, with consumer lifestyles influencing these relationships. Findings are expected to provide insights into the financial decision-making processes of young adults in an educational setting, contributing to more effective financial education programs and interventions. This study emphasizes the significant role of lifestyle in shaping financial behaviors, offering a comprehensive view of the factors affecting financial behavior among students, and aims to enhance financial behavior through targeted improvements in financial literacy and lifestyle awareness.

Kualitas Layanan dan Kemudahan Terhadap Kepuasan Nasabah Menggunakan Aplikasi E-Branch BCA Sebagai Pengganti Slip Manual Calvin Abimanyu Pramucipta; Savira; Permata Dian Pratiwi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.6148

The effect of service quality and ease of use of the BCA E-Branch application on customer satisfaction. In the era of rapid digital transformation in the Indonesian banking sector, BCA launched the E-Branch application to facilitate transactions without using manual slips. This study aims to evaluate the impact of the application in the Jabodetabek area, focusing on service quality dimensions including reliability, responsiveness, assurance, empathy, and physical evidence, as well as ease of use including ease of learning, control, flexibility, and clarity. The research method used is a quantitative approach by distributing questionnaires to 187 respondents. The results showed that service quality and ease of use have a significant influence on BCA customer satisfaction in using the E-Branch application. These findings provide important insights for the development of digital services in the banking sector.

The Influence of Financial Technology on Saving Behavior Through Self-Control as a Mediator in Generation Z Indah Widyaningrum; Gusti Enggar Paradita; Permata Dian Pratiwi
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2625

This research aims to test and analyze the influence of financial technology on saving behavior with self-control as a mediating variable in Generation Z. Developments in financial technology influence the way Generation Z manages their finances. This research uses a quantitative descriptive method by collecting data through online questionnaires and using 400 Generation Z respondents in West Java. Structural Equation Modeling Partial Least Squares (SEM-PLS) was used as an analysis method in this research. The research results show that financial technology has a positive effect on saving behavior, financial technology has a positive effect on self-control, self-control has a positive effect on saving behavior, and self-control has a positive effect in the mediation of financial technology on saving behavior.

The Effect of Corporate Social Responsibility on Investment Decisions: The Mediating Role of ESG Score on Banking Companies in Indonesia Husnuzzahra Fadhia; Dirda Rahma Elika; Permata Dian Pratiwi
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 6 (2025): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i6.3721

This study aims to analyze the influence of Corporate Social Responsibility (CSR) on investment decisions in Indonesia's banking sector, considering the role of the ESG (Environmental, Social, Governance) Score as a mediating variable. A quantitative approach is used, involving eight banking companies listed on the Indonesia Stock Exchange (IDX) and included in the IDX ESG Leaders index from 2019 to 2023, with a total sample of 40 research samples. The research findings indicate that CSR disclosure does not have a direct effect on investment decisions. However, ESG mediation significantly impacts CSR and investment decisions, and ESG is associated with EPS. These results suggest that ESG can act as a bridge for CSR in investment decision-making.

Fintech Literacy, Self-Control, and Digital Saving Decisions of Income-Earning Students in South Jakarta Johannes Faomasi Gunawan; Permata Dian Pratiwi
Jurnal Manajemen (Edisi Elektronik) Vol. 17 No. 2 (2026): Jurnal Manajemen (Edisi Elektronik)
Publisher : UPT Jurnal & Publikasi Ilmiah SPs Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jm-uika.v17i2.23602

Digital saving has become increasingly important for income-earning university students in urban areas because their financial choices are shaped by both their understanding of digital financial services and their ability to control spending impulses. Methods: This study analyzed the effects of financial technology literacy and self-control on digital saving decisions among income-earning students in South Jakarta. A descriptive quantitative design and purposive sampling were applied. Primary data were collected through an online questionnaire using a four-point Likert scale. After screening against the inclusion criteria, 102 valid responses were retained. Instrument quality was assessed through item validity, reliability, and exploratory factor analysis, while the hypotheses were examined using multiple linear regression with diagnostic testing. Results: Financial technology literacy had a positive and significant effect on digital saving decisions, with a standardized beta coefficient of 0.467. Self-control also had a positive and significant effect, with a standardized beta coefficient of 0.376. Jointly, both variables explained 59.7 percent of the variance in digital saving decisions, with financial technology literacy showing the stronger standardized effect. Conclusion: Digital saving decisions among income-earning students are strengthened when adequate understanding of digital financial services is accompanied by disciplined control of spending behavior and financial goals. These findings indicate that effective interventions should integrate financial education with behavioral reinforcement to encourage healthier digital financial behavior among young adults.

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