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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Maneggio: Jurnal Ilmiah Magister Manajemen Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum JURNAL LENTERA BISNIS International Journal of Business Economics (IJBE) Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) SOSEK: Jurnal Sosial dan Ekonomi Jurnal SALMAN : Sosial dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Journal of International Conference Proceedings
Qahfi Romula Siregar
Universitas Muhammadiyah Sumatera Utara
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence of Financial Knowledge, Income, and Lifestyle on Financial Behavior of Housewives at Laut Dendang Village Qahfi Romula Siregar; Jumeida Simatupang
Journal of International Conference Proceedings (JICP) Vol 5, No 2 (2022): BEFIC Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v5i2.1850

Abstract

After Covid 19, many changes have occurred regarding the process of understanding and managing finances in the community. Changes in life certainly affect the family's understanding of financial management, income and lifestyle on financial behavior. The population in this family study is in Laut Dendang Village, Deli Serdang Regency. Research by taking a sample of 100 housewives as a sample. This study uses Judgment Sampling, where the sample is selected from a population based on expert considerations and scientific considerations. Data collection techniques in this study used documentation, observation, and questionnaire techniques. The data analysis technique in this study uses a quantitative approach using statistical analysis using the Auter Model Analysis test, Inner Model Analysis, and Hypothesis Testing. Data processing in this study using the PLS (Partial Least Square) software program. The results of this study conclude that partially there is a significant effect of the variable financial knowledge on financial behavior, there is significant effect of the variable income on financial behavior, and there is significant effect of the variable lifestyle on financial behavior. And there is simultaneously significant effect of the variable financial knowledge, income and lifestyle effect on financial behavior. Keywords: Financial Knowledge, Income, Lifestyle and Financial Behavior.
Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Ayam Penyet Di Desa Laut Dendang Rafika Putri; Qahfi Romula Siregar
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 3 No. 3 (2022): SEPTEMBER
Publisher : CERED Indonesia Institute

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Abstract

The purpose of this study is Financial Knowledge, Financial Attitudes and Financial Literacy on Financial Management Behavior in Ayam Penyet MSME Actors in Laut Dendang Village. This research is a quantitative research with data collection techniques using a questionnaire. The sample in this study amounted to 48 respondents. The sampling technique used is accidental sampling method. Processing primary data using statistical analysis techniques Package for Social Science (SPSS) with multiple regression analysis method. The results of this study indicate that simultaneously the variables of financial obligations, financial knowledge and financial attitudes have a positive effect on financial management behavior. Partially, each independent variable has a positive effect on financial management behavior.
Pengaruh Debt To Asset Ratio, Inventory Turnover,Gross Profit Margin Terhadap Financial Distress Pada Perusahaan Sub Sektor Logam Dan Sejenisnya Yang Terdaftar Di Bei Cindy Delvia; Qahfi Romula Siregar
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 3 No. 3 (2022): SEPTEMBER
Publisher : CERED Indonesia Institute

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Abstract

This study aims to find out how the influence of Debt To Asset Ratio, Inventory Turnover, Gross Profile Margin variables on Financial Distress both partially and simultaneously in Metal and Similar Subsector Companies Listed on the IDX. This research approach is associative. The population is 17 companies and the sample is 7 companies in the Metals and the Like Subsector which are registered on the IDX using a purposive sampling technique. The observation period was carried out for 5 years, starting from 2017 to 2021. The data used is secondary data, namely data obtained directly in the form of financial reports obtained from the website www.idx.co.id. Data analysis techniques were performed using statistical analysis, namely: multiple linear regression analysis, classic assumption test, hypothesis testing and coefficient of determination with SPSS 25.0 for window. The results of this study indicate that partially the Debt To Asset Ratio has no effect on financial distress, Inventory Turnover has no effect on financial distress while Gross profit Margin has an effect on financial distress in Metal Subsector Companies and the like listed on the IDX. Simultaneously has a significant influence on financial distress in Metals and the Like Subsector Companies listed on the IDX.
PENGARUH DEBT TO ASSET RATIO DAN DIVIDEN PAYOUT RATIO TERHADAP PRICE TO BOOK VALUE PADA PERUSAHAAN SUB SEKTOR PERKEBUNAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Siti Ramalaili; Qahfi Romula Siregar
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 3 No. 3 (2022): SEPTEMBER
Publisher : CERED Indonesia Institute

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Abstract

The approach used is an associative approach, with the sampling criteria using the Purposive Sampling Technique, namely the sampling technique of data sources with certain considerations, so that from 19 populations only 8 samples are obtained that can be examined. Data collection techniques using documentation studies. The data analysis method used in this study used Partial Least Square (PLS). The results of the study prove that there is a significant effect between Debt to Asset Ratio on Price to Book Value, there is no significant effect between Dividend Payout Ratio on Price to Book Value, there is no significant effect between Debt to Asset Ratio on Net Profit Margin, there is no effect There is a significant difference between Dividend Payout Ratio on Net Profit Margin, there is a significant effect between Net Profit Margin on Price to Book Value, Net Profit Margin does not mediate the effect of Debt to Asset Ratio on Price to Book Value, Net Profit Margin does not mediate the effect of Dividend Payout Ratio against Price to Book Value
Pengaruh Sistem Pembayaran Online, Pola Gaya Hidup Dan Pengetahuan Keuangan Terhadap Perilaku Keuanganpada Mahasiswa Akhir Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Sumatera Utara Dwi Puspita Sari; Qahfi Romula Siregar
SOSEK : Jurnal Sosial dan Ekonomi Vol 3, No 2 (2022): Juli-Oktober
Publisher : SOSEK : Jurnal Sosial dan Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55357/sosek.v3i2.287

Abstract

Penelitian ini bertujuan untuk mengetahui apakah ada pengaruh sistem pembayaran online, pola gaya hidup dan pengetahuan keuangan terhadap perilaku keuangan pada mahasiswa akhir Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatra Utara. Penelitian ini merupakan penelitian kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Sampel dalam penelitian ini berjumlah 89 mahasiswa akhir Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatra Utara. Teknik pengambilan sampel yang digunakan adalah metode accidental sampling.  Pengolahan data primer menggunakan teknik analisis Statistical Package for Social Science (SPSS) dengan metode analisis regresi berganda.  Hasil dari penelitian membuktikan bahwa secara parsial sistem pembayaran online, pola gaya hidup dan pengetahuan keuangan berpengaruh signifikan terhadap perilaku keuangan karena dengan hasil perhitungan uji secara simultan (uji F) menunjukan dimana  Fhitung 8,795 Ftabel 2,71 dan nilai sig 0,000 0,05. Dan secara parsial, masing-masing variabel independen berpengaruh signifikan terhadap perilaku keuangan.
Pengaruh Literasi Keuangan Dan Uang Saku Terhadap Perilakukonsumtif Dengan Self Control Sebagai Variabel Mediasi Padamahasiswa Universitas Muhammadiyah Sumatera Utara Risya Chairiah; Qahfi Romula Siregar
SOSEK : Jurnal Sosial dan Ekonomi Vol 3, No 2 (2022): Juli-Oktober
Publisher : SOSEK : Jurnal Sosial dan Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55357/sosek.v3i2.286

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Literasi Keuangan dan Uang Saku Terhadap Perilaku Konsumtif dengan Self Control Sebagai Variabel Mediasi pada Mahasiswa Universitas Muhammadiyah Sumatera Utara. Metode yang digunakan dalam penelitian ini yaitu menggunakan jenis pendekatan assosiatif dan kuantitatif. Populasi dalam penelitian ini adalah seluruh Mahasiswa Universitas Muhammadiyah Sumatera Utara yang berjumlah 15.534 orang dan sampel yaitu 100 orang. Instrumen penelitian ini berbentuk tes alat pengumpulan data digunakan Alat pengumpulan data menggunakan wawancara (interview), Studi dokumentasi, Kuisioner. Dalam penelitian ini teknik analisis data yang digunakan adalah analisis data kuantitatif dan menggunakan model Metode Analisis Jalur Statistic yakni Partial Least Square-Structural Equestion Model (PLSSEM). Hasil menunjukkan bahwa Literasi Keuangan tidak berpengaruh terhadap Perilaku Konsumtif, Uang Saku berpengaruh signifikan terhadap Perilaku Konsumtif, Literasi Keuangan berpengaruh signifikan terhadap Self  Control, Uang Saku berpengaruh signifikan terhadap Self Control, Self Control berpengaruh signifikan terhadap Perilaku Konsumtif, Self Control memediasi pengaruh antara Literasi Keuangan terhadap Perilaku Konsumtif, Self Control memediasi pengaruh antara Uang Saku terhadap Perilaku Konsumtif.
Pengaruh Sikap Keuangan Dan Pengetahuan Keuangan Terhadap Pengelolaan Keuangan Dengan Kepuasan Keuangan Sebagai Variabel Intervening Pada Mahasiswa Di Kota Medan Inayah Salsabilah Gultom; Qahfi Romula Siregar
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 4 No. 3 (2023): September
Publisher : CERED Indonesia Institute

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Abstract

This study aims to find out how the influence of Financial Attitude and Financial Knowledge on Financial Behavior with Financial Satisfaction as Intervening Variables in Students in Medan City. The method used in this study is to use an associative and quantitative approach. The population in this study were all students who were in the city of Medan and the sample was 100 people. The research instrument was in the form of a test. Data collection tools were used. Data collection tools used were interviews, documentation studies, and questionnaires.
IMPLIKASI FILOSOFIS ONTOLOGI DAN AKSIOLOGI TERHADAP KEBIJAKAN MANAJEMEN BERKELANJUTAN Qahfi Romula Siregar; Dedek Kurniawan Gultom; Novien Rialdy; Siti Mujiatun
JURNAL LENTERA BISNIS Vol. 14 No. 1 (2025): JURNAL LENTERA BISNIS, JANUARI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i1.1309

Abstract

This research explores the relationship between philosophical understanding of ontology and axiology and the implementation of sustainable management policies. In the context of current environmental and social challenges, understanding the nature of organizations (intology) and ethical values ​​(axiology) is very important in formulating policies that can survive in the long term. In an effort to understand the dynamics between philosophical factors and sustainable management practices, this research uses qualitative and quantitative approaches. The research results show that an ontological understanding of natural resources is closely related to policy effectiveness, where organizations that adopt strong ethical and social values ​​tend to be more successful in implementing sustainability practices. In addition, community involvement in decision making has been proven to increase the credibility and success of policies. These findings provide practical recommendations for organizations to integrate philosophical values ​​in their training and policy development. Although this study provides valuable insights, there are limitations related to the sample size and sector focus examined, which need to be addressed in future research to gain a more comprehensive understanding of managerial sustainability.
Pengaruh Pengalaman Investasi dan Risk Tolerance Terhadap Keputusan Investasi Dengan Minat Investasi Sebagai Variabel Intervening Anwar, Shabrina; Qahfi Romula Siregar
Bursa : Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2025): Mei 2025
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v4i2.713

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh pengalaman investasi dan toleransi risiko terhadap keputusan investasi dengan minat investasi sebagai variabel intervening pada ibu rumah tangga di Kecamatan Sei Balai. Metode yang digunakan dalam penelitian ini adalah pendekatan asosiatif dan kuantitatif. Populasi dalam penelitian ini adalah seluruh mahasiswa Universitas Muhammadiyah Sumatera Utara yang berjumlah 5.122 orang, dengan sampel sebanyak 77 orang. Instrumen penelitian berupa alat pengumpulan data menggunakan wawancara, studi dokumentasi, dan kuesioner. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis data kuantitatif dengan model Statistical Path Analysis, yaitu Partial Least Square-Structural Equation Model (PLS-SEM). Hasil penelitian menunjukkan bahwa pengalaman investasi berpengaruh signifikan terhadap keputusan investasi, toleransi risiko berpengaruh signifikan terhadap keputusan investasi, pengalaman investasi berpengaruh signifikan terhadap minat investasi, toleransi risiko berpengaruh signifikan terhadap minat investasi, minat investasi berpengaruh signifikan terhadap keputusan investasi, pengalaman investasi berpengaruh terhadap keputusan investasi dengan minat investasi sebagai variabel intervening, dan toleransi risiko berpengaruh terhadap keputusan investasi dengan minat investasi sebagai variabel intervening. This study aims to determine how the influence of investment experience and risk tolerance on investment decisions with investment interest as an intervening variable on housewives in Sei Balai District. The method used in this study is to use an associative and quantitative approach. The population in this study were all students of the University of Muhammadiyah North Sumatra totaling 5,122 people and a sample of 77 people. The research instrument was in the form of a test data collection tool used Data collection tools using interviews, documentation studies, questionnaires. In this study the data analysis technique used was quantitative data analysis and used the Statistical Path Analysis Method model, namely the Partial Least Square-Structural Equestion Model (PLSSEM). The results show that Investment Experience has a significant effect on Investment Decisions, Risk Tolerance has a significant effect on Investment Decisions, Investment Experience has a significant effect on Investment Interest, Risk Tolerance has a significant effect on Investment Interest, Investment Interest has a significant effect on investment decisions, Investment Experience has an effect on investment decisions with Investment Interest as an intervening variable. Risk Tolerance Influences Investment Decisions with Investment Interest as an Intervening Variable
Co-Authors Anwar, Shabrina Cindy Delvia Dedek Kurniawan Gultom Defi Desvita Harahap Dwi Puspita Sari Fahmi, Muhammad Inayah Salsabilah Gultom Jumeida Simatupang Jumeida Simatupang Jumeida Simatupang Mawar Delia Muhammad Fakhri Gurning Novien Rialdy PUTRI NANDA CHAIRANI Rafika Putri Raihanah Daulay Rinaldi Rambe Risya Chairiah Salman Farisi Siti Mujiatun Siti Ramalaili Yurifka Inadia Bahar