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The Effect of Financial Literacy, Income, Financial Self-Efficacy, and Locus of Control on the Financial Management Faqihuddin, Muhammad Zidan; Nirbita, Betanika Nila
Economic Education Analysis Journal Vol. 14 No. 3 (2025): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v14i3.33797

Abstract

This study aims to determine the influence of financial literacy, income, financial self-efficacy and locus of control on students' financial management behavior. This study uses a quantitative method. The population used in this study were students of the Accounting Study Program, Faculty of Vocational Studies, Yogyakarta State University. Sampling was carried out using a purposive sampling technique of 100 respondents. The data collection method used a questionnaire distributed online. This study uses multiple linear regression analysis techniques with SPSS 26 software. The results of the study show that (1) Financial literacy has a significance value of 0.000 < 0.05, which means that financial literacy has a positive effect on students' financial management behavior. (2) Income has a significance value of 0.031 < 0.05, which means that income has a positive effect on students' financial management behavior. (3) Financial self-efficacy has a significance value of 0.000 < 0.05, which means that financial self-efficacy has a positive effect on students' financial management behavior. (4) Locus of control has a significance value of 0.022 < 0.05, which means that locus of control has a positive effect on students' financial management behavior.
Enhancing the Capacity of Roemah Djoempoetan Srihadi SME through Socialization of Financial Risk Management Literacy Jannah, Luluul; Pronosokodewo, Baniady Gennody; Nirbita, Betanika Nila; Norviana, Syahida; Buchori, Willa Putri Malinda
Abdi Masyarakat Vol 7, No 2 (2025): Abdi Masyarakat
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/abdi.v7i2.9848

Abstract

This community service initiative addresses the identified gap between theoretical understanding and practical application of financial risk management in the Roemah Djoempoetan Srihadi SME, a cultural enterprise in Yogyakarta specializing in jumputan and batik products. Despite the SME's recognized cultural value and participation in government mentoring programs, initial interviews revealed critical vulnerabilities: a complete absence of financial risk measurement, inadequate financial record-keeping, and high dependency on consignment sales models. These shortcomings render the business susceptible to capital depletion, revenue instability, and impediments to sustainable growth. The intervention employed a two-pronged methodology comprising targeted socialization sessions on financial risk management literacy and direct mentoring. The program focused on implementing practical solutions, including diversifying sales channels through e-commerce platforms, simplifying financial recording using user-friendly applications, and strengthening policy advocacy through MSME associations. The outcomes demonstrate that a comprehensive approach integrating financial literacy with strategic business adjustments significantly enhances operational resilience. This initiative underscores the necessity of transitioning culturally significant SMEs from production-centric hobbies to professionally managed enterprises, thereby ensuring the dual sustainability of both the business entity and the local cultural heritage it represents. 
DARI MITIGASI MENUJU KEBANGKRUTAN: PEMETAAN BIBLIOMETRIK KONTRIBUSI MANAJEMEN RISIKO DALAM MENCEGAH KEBANGKRUTAN PERUSAHAAN Jannah, Lu'lu'ul; Norviana, Syahida; Nirbita, Betanika Nila; Herdianto, Jacky Ardi
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 4 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i4.4950

Abstract

Risk management is often viewed as a key strategy to prevent corporate bankruptcy, yet the research landscape remains fragmented. This study maps the development of research on risk management and corporate financial distress using bibliometric analysis. Scopus records containing “Risk Management” and “Distress” from 2010–2025 were retrieved, yielding 106 documents, and analyzed with VOSviewer. The United States leads publication output (16 documents), followed by the United Kingdom (14). Tran, N.M. is the most prolific author (3 publications), while the University of Zilina is the most productive affiliation (4 articles). Keyword co-occurrence clustering reveals six themes: financial instruments for risk mitigation; bankruptcy determinants; risk management implementation; corporate governance; banking-sector contexts; and external factors (e.g., pandemics, religion). The results highlight the multidimensional links between risk management and distress and suggest opportunities for integrative research. This mapping also offers practical insight for firms to strengthen risk management as an early-warning and prevention mechanism against bankruptcy.
DOES ENVIRONMENTAL, SOCIAL, AND GOVERNMENT (ESG) IMPROVE INVESTMENT EFFICIENCY? EVIDENCE FROM INDONESIAN MANUFACTURING COMPANIES Norviana, Syahida; Jannah, Luluul; Nirbita, Betanika Nila; Hamidah, Putri
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 4 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i4.4951

Abstract

Penelitian ini mengkaji pengaruh kinerja Environmental, Social, and Governance (ESG) terhadap efisiensi investasi pada perusahaan manufaktur di Indonesia. Dengan menggunakan pendekatan kuantitatif, penelitian ini menganalisis data dari sembilan perusahaan publik yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2015–2023. Hasil regresi menunjukkan adanya hubungan negatif yang signifikan antara skor ESG dan inefisiensi investasi. Temuan ini mengindikasikan bahwa skor ESG yang lebih tinggi mampu mengurangi overinvestment dan underinvestment, sehingga mengoptimalkan alokasi sumber daya. Hasil ini sejalan dengan teori keagenan yang menyatakan bahwa pengungkapan ESG dapat memitigasi asimetri informasi. Penelitian ini berkontribusi pada literatur dengan memberikan bukti empiris dari konteks pasar negara berkembang, serta menyoroti peran ESG dalam meningkatkan efisiensi alokasi modal bagi pembuat kebijakan dan investor