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PENGARUH KINERJA KEUANGAN TERHADAP RETURN SAHAM DENGAN TINGKAT SUKU BUNGA SEBAGAI VARIABEL MODERASI PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA Sumitro; Giriati
Business, Economics dan Entrepreneurship Vol 6 No 2 (2024): Business, Economics and Entrepreneurship
Publisher : Institut Shanti Bhuana, Program Studi Kewirausahaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/bee.v6i2.965

Abstract

Abstrak This study aims to analyze the influence of financial performance on stock returns of commercial banks listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period, with interest rates as a moderating variable. Financial performance is measured using Return on Assets (ROA), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL). The data utilized are quantitative, sourced from corporate financial reports and relevant macroeconomic data. The analysis was conducted using statistical methods with moderation regression testing. The results indicate that ROA and LDR have a significant positive impact on stock returns, while NPL has a significant negative impact. Interest rates were found to moderate the relationship between these variables and stock returns. Specifically, higher interest rates weaken the positive relationship between ROA and LDR with stock returns and exacerbate the negative effect of NPL on stock returns. This study provides practical implications for investors in making investment decisions and for bank management in managing financial performance and risk. Keywords: financial performance, stock returns, interest rates, ROA, LDR, NPL
Apakah Attractiveness of Rucas Endorser Berpengaruh terhadap Attitude dan Purchase Intention? Syarifah Siti Wartini; Giriati; Erna Listiana; Barkah; Ana Fitriana
Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Vol 5 No 1 (2025): Edisi Januari 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jamek.v5i1.1675

Abstract

Marketing strategies can be designed to reach a wider audience by utilizing various communication platforms, such as online promotions and content marketing. The unique content approach used by Rucas, namely highlighting unconventional advertising models, has succeeded in getting a positive response from users of social media platforms. This study analyzes how the success of the Rucas brand is influenced by the appeal of supporters perceived by social media users, which can then influence Purchase Intention with Attitudes toward advertising and the brand as mediating variables. This study involved a population of all individuals who knew about Rucas brand advertisements on social media, with a sample size of 225 respondents selected through purposive sampling. Data collection was conducted by distributing questionnaires via social media platforms. The hypothesis in this study will be tested using a causal approach and Structural Equation Modeling (SEM).The results showed that the appeal of supporters had a significant effect on Attitudes towards advertising and brands, which influenced Purchase Intention. However, supporters' appeal did not positively Impact Purchase Intention unless mediated by the Attitude variable. This study provides important implications for marketing strategies, especially in choosing the right Endorser to increase Purchase Intention
Impact of Financial Literacy and Attitudes on FEB Untan Students' Financial Management Behavior Dio, Louisio; Listiana, Erna; Syahputri, Anggraini; Giriati; Azazi, Anwar
International Journal of Economics, Business Management and Accounting (IJEBMA) Vol. 7 No. 2 (2025): July 2025
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijebma.v7i2.3101

Abstract

Attitudes and financial literacy are increasingly recognized as pivotal factors in shaping responsible financial management behavior among university students. In today’s complex financial environment, where digital transactions and consumer credit are more accessible than ever, equipping students with the right knowledge and mindset has become essential (Lusardi & Mitchell, 2020; OECD, 2023). This study explores the influence of financial literacy and financial attitudes on students' financial behavior, focusing on 217 students from the Economic Education program at FEB Untan, selected through purposive sampling. Data were analyzed using SPSS to ensure statistical reliability. The results indicate that students with higher levels of financial knowledge and more positive financial attitudes demonstrate better financial management practices. Their ability to make informed decisions, budget effectively, and avoid impulsive spending reflects the integration of financial understanding into everyday behavior. These findings underscore the importance of enhancing financial literacy and fostering positive financial attitudes to better prepare students for navigating increasing financial complexities and achieving long-term financial well-being
Optimalisasi Strategi Edukasi Wisata Kampung Gambut Siantan Hilir Kalimantan Barat: Pengabdian Nur Afifah; Giriati; Mustaruddin; Ilzar Daud; Anwar Azazi; Karsim
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.2823

Abstract

This study aims to determine the process of processing Anti-Fouling System (AFS) documents by PT. Multi Jaya Samudera at the Main Harbormaster and Port Authority Office (KSOP) Belawan. The research method used is a qualitative descriptive approach through observation, interviews, and document studies related to the AFS document issuance procedure. The results of the study indicate that the AFS document processing is carried out in accordance with the provisions of the International Convention on the Control of Harmful Anti-Fouling Systems on Ships and applicable national laws and regulations. The administrative process includes submitting an application, verifying ship documents, technical inspections, and issuing an AFS certificate. In its implementation, PT. Multi Jaya Samudera faced obstacles in the form of delays in document verification and a lack of understanding of AFS regulations among ship crews, but these can be overcome through intensive coordination with the KSOP and increased socialization of regulations. This study is expected to provide input for shipping companies and port authorities to improve administrative efficiency and compliance with international regulations in efforts to prevent marine pollution.
The Role of Financial Literacy and Entrepreneurial Orientation on MSME Sustainability: The Mediating Effect of E-Commerce Kristiawati, Endang; Giriati; Wendy; Malini, Helma
AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Vol. 8 No. 2 (2024)
Publisher : Asia Pacific Network for Sustainable Agriculture, Food and Energy (SAFE-Network)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29165/ajarcde.v8i2.383

Abstract

MSMEs play an important role, but there are still many problems to improve their performance. The effect of financial literacy and entrepreneurial orientation on general performance is the purpose of this study. This research was conducted at MSMEs in Pontianak City and Singkawang City. The research method used is descriptive quantitative. Quantitative research is an attempt by a researcher to gain knowledge by providing data in the form of numbers which will then be used to analyze information. The data used in this research is primary data. The soil test results show that the significance value of the two-tailed test is 0.00 <0.05, so e-commerce can mediate the effect of financial literacy on MSME performance. The Sobel test results also show that the significance value of the two-tailed test is 0.00 <0.05, so e-commerce can mediate the effect of Entrepreneurial Orientation on MSME performance. Understanding financial literacy and the use of e-commerce will help MSMEs manage their finances and leverage business opportunities more effectively, as well as make it easier to access financial resources needed for business sustainability.