Claim Missing Document
Check
Articles

Found 28 Documents
Search

Unsystematic Risk Management based on Financial Literacy as a Supporting Factor in Investment Decisions Riawan Riawan; Wahna Widhianingrum; Wijianto Wijianto
EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI Vol 19 No 1 (2024): March
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ekuilibrium.v19i1.2024.pp136-148

Abstract

This research examines financial literacy's influence on investment decisions through unsystematic risk management. The data source used in this research is primary data obtained through a questionnaire. The sampling technique used was purposive sampling, using sample criteria to enter as a research sample. This research involved 88 respondents as research samples. The analytical tool used to carry out statistical tests is SmartPLS. This study found that financial literacy and unsystematic risk management simultaneously had a significant positive effect on investment decisions. Unsystematic risk management has a significant positive effect on investment decisions. Furthermore, unsystematic risk management can mediate the relationship between financial literacy and investment decisions. This study highlights investor behavior in making investment decisions using the theory of planned behavior approach.
THE ROLE OF HUMAN CAPITAL IN SMES PERFORMANCE THROUGH INNOVATION CAPABILITIES Riawan Riawan; Wahna Widhianingrum; Ranti Kurniasih
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 10, No 2 (2024): Vol 10, No. 2 (2024)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34203/jimfe.v10i2.10577

Abstract

ABSTRACT This study aims to analyze the impact of innovation capability on MSME performance by considering human capital. This study applies a quantitative approach using primary data samples from 62 respondents to MSME actors spread across Ponorogo Regency. The sampling technique in this study was non-probability sampling using the purposive sampling method. The study's results indicate that human capital and innovation capability positively and significantly impact improving SMEs' performance. Likewise, human capital has a significant positive effect on improving innovation capability. Furthermore, innovation capability can mediate the influence of human capital on SMEs' performance. This is supported by the knowledge and skills possessed by business actors who can easily carry out business innovations. ABSTRAK Penelitian ini bertujuan untuk menganalisis dampak kapabilitas inovasi terhadap kinerja UMKM dengan mempertimbangkan sumber daya manusia. Penelitian ini memiliki tiga variabel yaitu modal manusia, kapabilitas inovasi, dan kinerja UMKM. Penelitian ini menerapkan pendekatan kuantitatif dengan menggunakan sampel data primer dari 62 responden pelaku UMKM yang tersebar di Kabupaten Ponorogo. Teknik pengambilan sampel pada penelitian ini adalah non-probability sampling dengan menggunakan metode purposive sampling. Hasil penelitian menunjukkan bahwa sumber daya manusia dan kemampuan inovasi berpengaruh positif dan signifikan terhadap peningkatan kinerja UKM. Begitu pula dengan human capital berpengaruh positif signifikan terhadap peningkatan kapabilitas inovasi. Lebih lanjut, kapabilitas inovasi dapat memediasi pe\ngaruh sumber daya manusia terhadap kinerja UKM. Penelitian ini menunjukkan bahwa kapabilitas inovasi berdampak pada peningkatan kinerja UMKM dengan mempertimbangkan sumber daya manusia. Hal ini didukung dengan pengetahuan dan keterampilan yang dimiliki pelaku usaha yang dapat dengan mudah melakukan inovasi usaha.
Dari Dompet ke Aplikasi: Rahasia Melek Finansial Digital Pengusaha Milenial Ranti Kurniasih; Wahna Widhianingrum; Riawan Riawan
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 1 (2026): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i1.9044

Abstract

This study aims to examine the level of digital financial literacy among millennial entrepreneurs and the factors influencing their adaptation to digital financial technology. The research method used was quantitative, with questionnaires distributed to five millennial entrepreneur respondents. The study findings indicate that mastery of digital financial literacy is the main key to successful business financial management in the digital era. Digital financial literacy enables millennial entrepreneurs to be more careful in managing cash flow, optimize the use of financial applications, and make appropriate and strategic investment decisions. Factors such as ease of technology access, level of digital knowledge, and trust in digital applications contribute significantly to this level of literacy. This study also found that entrepreneurs who actively use financial technology platforms tend to have more stable business performance. These results have important implications for the development of financial literacy education and training programs, especially among millennial entrepreneurs, to support the development of sustainable digital-based businesses. This study contributes to the understanding of the importance of digital literacy in advancing millennial businesses in the era of increasingly advanced financial technology.
Determinan Kinerja Aparatur Sipil Negara: Peran Budaya Kerja, Disiplin Kerja, dan Motivasi Kerja pada Instansi Pemerintah Daerah Sindy Bella Oktatiara; Riawan Riawan; Siti Chamidah
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 2 (2026): Juli : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i2.10134

Abstract

This study examines the effect of work culture, work discipline, and work motivation on the performance of civil servants (Aparatur Sipil Negara/ASN). Employee performance is a key factor in improving public service quality and enhancing organizational effectiveness in the public sector. This research employed a quantitative approach involving 43 civil servants selected using a saturated sampling technique. Data were collected through structured questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The measurement model evaluation indicates that all constructs meet the required validity and reliability criteria. The structural model results reveal that work culture, work discipline, and work motivation have positive and significant effects on employee performance. A positive work culture supports collaboration and innovation, work discipline ensures consistency and task compliance, and work motivation strengthens employees’ commitment to achieving optimal performance. These findings indicate that improving employee performance in public sector organizations requires an integrated approach that emphasizes organizational values, regulatory compliance, and sustained work motivation.
Financial Wellbeing of Young Entrepreneurs The Integration of Fintech Use in Managing Financial Literacy and Financial Stress Irma Vebiana; Hadi Sumarsono; Riawan Riawan
Jurnal Penelitian Ekonomi dan Bisnis Vol. 11 No. 2 (2026): September 2026
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v11i2.16727

Abstract

The low financial wellbeing index in Indonesia highlights the urgency of improving financial well-being, especially for young entrepreneurs in the vulnerable startup phase. Within the COR Theory framework, this study analyzes the influence of financial knowledge and financial stress on financial well-being, with fintech use as a mediating variable, among young entrepreneurs in Ponorogo Regency. This quantitative research used purposive sampling to select 161 young entrepreneurs actively utilizing fintech, with data analyzed via PLS-SEM 4.0. The results demonstrate that financial knowledge, financial stress, and fintech use each have a significant positive effect on financial well-being. Additionally, financial knowledge significantly drives fintech use, whereas financial stress has a non-significant positive effect. Furthermore, fintech use successfully mediates the impact of financial knowledge on financial well-being but fails to mediate the effect of financial stress. This research implies that young entrepreneurs must optimize fintech services to gain better financial control and simplify cash flow management, which ultimately improves long-term financial wellbeing.
Peran Kepuasan Kerja sebagai Mediator Pengaruh Program CSR terhadap Komitmen Organisasi pada Karyawan BUMN di Ponorogo Septiana Nur Azizah; Hadi Sumarsono; Riawan Riawan
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 6: September 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i6.19519

Abstract

Penelitian ini bertujuan untuk menguji peran kepuasan kerja (job satisfaction) sebagai variabel mediasi dalam pengaruh Internal Corporate Social Responsibility (ICSR) dan External Corporate Social Responsibility (ECSR) terhadap komitmen organisasi pada karyawan BUMN di Ponorogo. Penelitian ini didasarkan pada Social Exchange Theory. Pendekatan yang digunakan adalah kuantitatif dengan teknik analisis Partial Least Squares-Structural Equation Modeling (PLS-SEM) melalui aplikasi SmartPLS. Populasi dan sampel penelitian adalah seluruh karyawan pada salah satu BUMN di Ponorogo yang berjumlah 74 orang, dengan teknik sampel jenuh. Data dikumpulkan melalui kuesioner berskala Likert tujuh poin. Hasil penelitian menunjukkan bahwa ICSR berpengaruh positif dan signifikan terhadap kepuasan kerja, sedangkan ECSR justru berpengaruh negatif dan signifikan terhadap kepuasan kerja. Namun demikian, ICSR, ECSR, maupun kepuasan kerja tidak terbukti berpengaruh signifikan terhadap komitmen organisasi, dan kepuasan kerja juga tidak terbukti memediasi pengaruh ICSR maupun ECSR terhadap komitmen organisasi. Temuan ini mengindikasikan bahwa program CSR internal efektif meningkatkan kepuasan kerja, sementara program CSR eksternal berisiko dipersepsikan sebagai beban tambahan oleh karyawan. Hasil ini menjadi masukan penting bagi BUMN dalam merancang program CSR yang lebih seimbang antara orientasi internal dan eksternal.
Pengaruh Influencer Marketing dan Shopping Enjoyment Terhadap Impulse Buying dengan Fomo (Fear Of Missing Out) Sebagai Variabel Mediasi Pada Pembelian Hijab Paris Jadul Varisha di Tiktok Shop Erin Martha Setyaningrum; Riawan Riawan; Setyo Adji
SYNERGY: Jurnal Bisnis dan Manajemen Vol 6, No 2 (2026)
Publisher : Pelantar Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/synergy.v6i2.118

Abstract

The expansion of social commerce through TikTok Shop has reconfigured consumer behavior, particularly in Muslim fashion, as reflected in the increasing tendency of impulsive buying. The convergence of digital entertainment, social interaction, and transactional activities through short video features, live broadcasts, and limited-time promotions creates an immersive and persuasive shopping experience. This phenomenon is influenced by marketing factors, such as influencer marketing and shopping enjoyment, and is reinforced by the psychological condition of Fear of Missing Out (FoMO). This study is useful to investigate the impact of influencer marketing and shopping enjoyment on impulsive buying behavior with FoMO as a mediating variable among consumers of Hijab Paris Jadul Varisha in TikTok Shop. Quantitative steps are utilized with SEM-PLS analysis processed by SmartPLS on data obtained from purposive sampling techniques. The analysis findings show that shopping enjoyment has a significant positive impact on FoMO and impulsive buying, while influencer marketing has no significant impact on impulsive buying. On the other hand, FoMO is proven to mediate the relationship between shopping enjoyment and impulsive buying, but it is unsuccessful in mediating the relationship between influencer marketing and impulsive buying. These findings show that the affective dimension of the shopping experience and the psychological condition of FoMO play a central role in shaping impulsive buying behavior in the social commerce ecosystem
Pengaruh Fashion Involvement, Shopping Lifestyle, dan Hedonic Shopping Motivation Terhadap Impulse Buying Pada Store Byfii Magetan Nurul Khasanah; Riawan Riawan; Naning Kristiyana
SYNERGY: Jurnal Bisnis dan Manajemen Vol 6, No 2 (2026)
Publisher : Pelantar Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52364/synergy.v6i2.103

Abstract

Rapid transformations in consumer lifestyles and purchasing preferences have contributed to the growth of the fashion retail industry in Indonesia. This research investigates how fashion involvement, shopping lifestyle, and hedonic shopping motivation influence impulse buying behavior at Byfii Store Magetan. The study applies a quantitative research method involving consumers who have previously shopped at the store. Due to the unknown population size, a purposive sampling technique was utilized to select 160 respondents. Data collection was conducted through questionnaires, while data analysis employed the Partial Least Squares (PLS) method using SmartPLS 4. The results confirm that all three independent variables significantly and positively contribute to impulse buying among consumers at Byfii Store Magetan