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All Journal Jurnal Kajian Manajemen Bisnis Suluah Bendang: Jurnal Ilmiah Pengabdian Kepada Masyarakat Jurnal Ecogen Jurnal Kajian Manajemen dan Wirausaha Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Accounting and Finance Management (JAFM) JEBI (Jurnal Ekonomi dan Bisnis Islam) Financial Management Studies
Yanuarta RE, Ramel
Universitas Negeri Padang
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Social Sciences Other

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Journal : Financial Management Studies

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The Effect of financial literacy and education level on the profitability of micro and small enterprises in Indonesia Hanifil fiqri; Ramel Yanuarta RE
Financial Management Studies Vol. 2 No. 1 (2022): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v2i1.88

Abstract

This study aims to analyze the effect of financial literacy as measured by ownership of savings accounts and knowledge of the official financial institutions providing loans, and the level of education on the profits of Micro and Small Enterprises in Indonesia. By considering the characteristics of heterogeneous data and outliers, this study uses a quantile regression method with a confidence level (∝ = 0.05). The data used is secondary data from IFLS (Indonesia Family Life Survey) waves 4 and 5. 8,118 MSEs meet the criteria as samples. The analysis results show that the savings ownership of MSE owners has a significant positive effect on the MSE profit quantile on all business scales compared to MSE owners who do not have a savings account. Still, the effect is lower in the large quantile group. Furthermore, knowledge of lenders' official financial institutions has a significant positive impact on MSE profit quantiles across all business scales compared to MSE owners who do not know lenders’ official financial institutions; the effect is lower in the larger MSE income quintile group. Meanwhile, the education level of MSE actors has a significant positive impact, but only on the medium to high-scale MSE; the effect is higher for the large MSE profit quintile group.
The Effect Of Profitability And Profit Volatility On Capital Structure In Cyclical And Non-Cyclical Consumer Companies Listed On The Indonesia Stock Exchange Fitriani fitriani; Ramel Yanuarta RE
Financial Management Studies Vol. 2 No. 4 (2022): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v2i4.119

Abstract

The purpose of this study is to analyze the effect of profitability and earnings volatility on the capital structure of cyclical and non-cyclical consumer companies listed on the Indonesia Stock Exchange. The population in this study are all cyclical and non-cyclical consumer companies listed on the Indonesia Stock Exchange in 2016-2021. In this study, the sample selection method used purposive sampling method. The sample in this study were 125 companies where 68 consumer cyclical companies and 57 non-cyclical companies with 750 observations for each variable. The analytical method used is panel data regression analysis. This study uses the Stata program as a tool in analyzing the data. The results of this study indicate that there is a significant difference between the capital structure of cyclical and non-cyclical consumer companies, profitability has a positive and significant effect on the capital structure of cyclical and non-cyclical consumer companies, earnings volatility has a positive and significant effect on the capital structure of cyclical consumer companies. and non-cyclical.
PENGARUH LABA USAHA, KREDIT MIKRO DAN LITERASI KEUANGAN TERHADAP KESEJAHTERAAN EKONOMI RUMAH TANGGA UMK DI INDONESIA Khaira, Sajida; Yanuarta RE, Ramel
Financial Management Studies Vol. 4 No. 2 (2024): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v4i2.220

Abstract

This study aims to examine the effect of business profit, microcredit, financial literacy (ownership of savings accounts, and knowledge of financial institutions that provide loans) on the economic welfare of MSE households in Indonesia, using IFLS data wave 5 in 2014 and multiple regression analysis using Stata software. The results of the study revealed that business profit significantly improves the economic welfare of MSEs, while microcredit has no significant effect. Meanwhile, financial literacy as measured by ownership of savings accounts and knowledge of financial institutions that provide loans also has a significant effect. This study emphasizes the importance of effective strategies in utilizing business profit, microcredit and financial literacy to improve the economic welfare of MSE households in Indonesia
Co-Authors Abel Tasman Alfitriani Alfitriani Alif Ravelby, Thesa Delfiani, Silvi Fitriani fitriani Fritanita Julyazti, Nadya Fuji Berlianti, Sastri Halmawati, Halmawati Hanifil fiqri Honesty Sinurat Hulwati Hulwati Hulwati Hulwati Indah Krismanola Khaira, Sajida Miranda Nuraini Ridhaningsih, Fitria ROZALINDA ROZALINDA Rozalinda Rozalinda Shinta Maretadevi Shinta Permata Sari Silvia Netsyah Yuki Fitria