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The Role of Digital Literacy and Financial Literacy on the Use of Islamic Fintech Moderated by Religiosity the Impact on Personal Financial Management Aziz, Abdul; Giantoro Pamungkas; Alifa, Naufal Luthfi; Wendy Wijaya; Layaman
International Journal of Sustainable Applied Sciences Vol. 1 No. 6 (2023): December 2023
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijsas.v1i6.1019

Abstract

Financial management skills are a very important and necessary topic, because currently Indonesians, including Cirebon's digital natives (millennials and generation Z), still do not realise the importance of good financial management habits. Sharia financial technology is one of the digital financial innovations that is useful as a personal financial management tool for its users wherever and whenever they are. However, the development of Islamic fintech is still far behind compared to conventional fintech. This study aims to determine the effect between digital literacy and financial literacy on the use of Islamic fintech moderated by religiosity and its impact on personal financial management. This research was conducted with a quantitative method, using a moderated mediation analysis model. The results showed that digital literacy has a significant positive effect on the use of Islamic fintech, but financial literacy has no positive effect. Meanwhile, religiosity cannot moderate the relationship between digital literacy and the use of Islamic fintech and the relationship between financial literacy and the use of Islamic fintech. And the use of Islamic fintech has an influence on personal financial management.
Pengaruh ROA, ROE Terhadap Harga Saham PT Bank Central Asia Tbk Giantoro Pamungkas; Riski Wisnu Prakoso; Muhamad Rifki Aa Alifia; Fini Ikfini Maulaya; Anggi Anggraeni; Shaka Ramadhia
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 3 No. 1 (2025): JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v3i1.2833

Abstract

The purpose of this study is to see how Return on Assets (ROA) and Return on Equity (ROE) impact the stock price of PT Bank Central Asia Tbk (BBCA) during the period 2019–2023. ROE and ROA, which are considered to have a significant correlation with stock price movements in the capital market, are important metrics for assessing a company's financial performance. Quantitative methods are used in this study. Secondary data used consist of monthly stock prices listed on the Indonesia Stock Exchange and BBCA's annual financial statements. To see how ROA and ROE impact stock prices simultaneously and partially, using multiple linear regression analysis. The results of the study show that ROA has a positive and significant effect on BBCA's stock price, indicating that the company's efficiency in generating profits from its assets has a direct impact on stock price appreciation. On the other hand, ROE also has a positive and significant effect, indicating that the level of return on shareholder investment is one of the important factors in stock price assessments by investors.
Pengaruh Motivasi dan Inovasi Terhadap Pemanfaatan Media Sosial Sebagai Alat Pembelajaran IPTEK di Kalangan Mahasiswa Manajemen Mutia Anggraeni; Giantoro Pamungkas; Dwi Yuliyanti Fitri; Fina Ikfini Maulaya; Putri Mardiana; Tubagus Faliyan Maulana
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 3 No. 1 (2025): JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v3i1.2834

Abstract

Abstract, This study aims to evaluate the impact of motivation and innovation on the use of social media as a learning tool in the field of Science and Technology (IPTEK) among students of the Management Study Program. Social media is now a crucial platform in supporting digital learning, facilitating students to access information and collaborate more interactively. The data used in the study were obtained through filling out a questionnaire by 50 randomly selected management students. Analysis of the results shows that students' intrinsic motivation, such as the drive to learn independently, and extrinsic motivation, such as recognition from peers, have a significant positive correlation with the use of social media for learning purposes. Not only that, the aspect of innovation in the use of social media, such as exploring interactive features such as online discussions and sharing educational content, also strengthens this positive impact. This study suggests that motivation and innovation play an important role in increasing the effectiveness of learning through social media, so it is advisable to emphasize this approach more in designing higher education curricula.
Evaluasi Terhadap Program Franchise Studi Kasus Alfamart di Indonesia Rosiyani Oktavia; Giantoro Pamungkas; Ela Rosita; Robiyatul Aniyah; Haris Munandar
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 3 No. 1 (2025): JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v3i1.2836

Abstract

The evaluation of the Alfamart franchise program in Indonesia aims to analyze the effectiveness and sustainability of this business model. This research involves interviews with franchise owners as well as quantitative data analysis regarding the growth in the number of outlets. The results obtained show that by 2024, Alfamart will succeed in reaching more than 23,670 outlets, with a franchise strategy that has proven effective in expanding the distribution network. However, there are challenges that need to be overcome, such as improving marketing communications and cultural adaptation in new markets, so that long-term success can be guaranteed.
Analisis Rasio Likuiditas dan Rasio Profitabilitas untuk Menilai Kinerja Keuangan pada PT. Ultrajaya Milk Industry & Trading Company, Tbk. Periode 2020-2023 Dhini Rusminah; Giantoro Pamungkas; Ira Karlisa; Azis Adelestari; Dina Rahmah Yani; Bilqis Fitri Ababil; Siti Kholisah
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 3 No. 1 (2025): JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v3i1.2837

Abstract

The purpose of this study is to determine the financial performance of PT Ultrajaya Milk Industry & Trading Company Tbk for the period 2020-2023 using financial ratios, namely liquidity ratio and profitability ratio. Data analysis uses a quantitative descriptive approach. The type of data obtained is secondary data. The data obtained is financial statements. The researchers obtained financial statement data from the IDX website. The results show that the company's liquidity is very good because the Current Ratio and Quick Ratio values ​​are above the industry norm. However, the company's profitability is considered poor, because the Return on Assets and Return on Equity values ​​are below the industry standard.
Pengaruh Profitabilitas, Leverage, dan Ukuran Perusahaan Terhadap Nilai Perusahaan Rusydan Zakaria; Giantoro Pamungkas; Dewi Adelya; Latifa Khoirunnisa; Gita Cahyani
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 3 No. 1 (2025): JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v3i1.2838

Abstract

This study aims to analyze the effect of profitability, leverage, and company size on company value, focusing on companies listed on the Indonesia Stock Exchange. Using data from 2023, this study applies a quantitative method with multiple linear regression analysis. The results of the analysis show that profitability as measured by Return Of Equity (ROE) has a positive and significant effect on company value, which means that companies with high profitability tend to have better market value. Conversely, leverage as measured by Debt to Equity Ratio (DER) shows varying results; although in some cases it has a positive effect, there are also findings that indicate that leverage does not always increase company value significantly. Company size, as measured by total assets, does not show a significant effect on company value in this context. This indicates that although company size can provide greater access to capital, other factors such as profitability and debt management strategies are more important in increasing company value. This study provides important insights for investors and company managers to understand the key factors that affect company value, and highlights the importance of focusing on profitability and wise debt management in their business strategies.