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All Journal Jurnal Riset Manajemen dan Ekonomi Jurnal Ilmiah Ekonomi dan Manajemen Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI PENG: Jurnal Ekonomi dan Manajemen Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Ekopedia: Jurnal Ilmiah Ekonomi
Naili Amalia
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Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Mathematics Social Sciences Other

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PENGARUH LITERASI KEUANGAN DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN INVESTASI MAHASISWA EKONOMI MELALUI PERILAKU KEUANGAN SEBAGAI VARIABEL MEDIASI PADA MAHASISWA FAKULTAS EKONOMI UNISRI UNIVERSITAS SLAMET RIYADI SURAKARTA Dafa Caesario Islama; Naili Amalia
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 9 (2024): JURNAL ILMIAH EKONOMI DAN MANAJEMEN (JIEM)
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i9.2313

Abstract

The results of the t-test showed that financial literacy has a significant effect on the investment decisions of students in the Faculty of Economics at Slamet Riyadi University Surakarta, while financial behavior does not mediate the influence of financial literacy and risk perception on investment decisions. The F-test result is 7.335 with a significance value (p-value) of 0.001 < 0.05. The determination coefficient test results showed an adjusted R2 value of 0.113 for this model, meaning that the independent variables Financial Literacy (X1), Risk Perception (X2), and Financial Behavior (Z) contribute 11.3% to the Investment Decision (Y). The remaining (100% - 11.3%) = 88.7% is contributed by other factors.The Sobel test results showed that the t-count for Z (Financial Behavior) mediating the influence of X1 (Financial Literacy) on Y (Investment Decision) is -1.326 < t-table (0.025; 98) = 1.98447, indicating that Z (Financial Behavior) does not mediate the effect of X1 (Financial Literacy) on Y (Investment Decision). Similarly, the t-count for Z (Financial Behavior) mediating the influence of X2 (Risk Perception) on Y (Investment Decision) is 0.39 < t-table (0.025; 98) = 1.98447, indicating that Z (Financial Behavior) does not mediate the effect of X2 (Risk Perception) on Y (Investment Decision).
Pengaruh Financial Technology, Social Environment, Financial Literacy dan Lifestyle Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Slamet Riyadi Surakarta Deva Novia Arinta; Naili Amalia
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 1 (2025): Januari: Economics and business economics in Humanity
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/y7e7fp14

Abstract

The purpose of this research was to investigate the influence of financial technology, social environment, financial literacy, and lifestyle on the financial behaviors of students in the Faculty of Economics at Slamet Riyadi University, Surakarta. Utilizing a quantitative research methodology, the study sampled 100 students through a simple random sampling technique. Data were analyzed using descriptive statistics, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results revealed that financial technology (X1) has a positive and statistically significant impact on the financial behaviors of students in the Faculty of Economics. Conversely, the social environment (X2) exhibits a positive but non-significant effect on the financial behaviors of these students. Additionally, financial literacy (X3) was found to have a positive and significant influence on the financial behaviors of the students. Moreover, the findings indicated that lifestyle (X4) also positively and significantly affects the financial behaviors of the students at the Faculty of Economics at Slamet Riyadi University, Surakarta.
Pengaruh Current Ratio, Return On Asset dan Asset Growth Terhadap Harga Saham dengan Debt To Equity Ratio Sebagai Variabel Intervening (Studi Empiris pada Perusahaan Sub Sektor Makanan dan Minuman yang Terdaftar di Bursa Efek Indonesia Periode 2019-2023) Aaliyah May Zannah; Naili Amalia
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 1 (2025): Januari: Economics and business economics in Humanity
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/8943ac76

Abstract

Tujuan utama penelitian untuk menganalisis dan menguji secara empiris sejauh mana rasio keuangan seperti current ratio, return on asset, dan asset growth, serta bagaimana pengaruh debt to equity ratio sebagai variabel intervening, terhadap pergerakan harga saham pada perusahaan subsektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia (BEI) dalam periode 2019-2023. Sampel yang memenuhi kriteria terdapat 10 perusahaan dengan menggunakan metode purposive sampling method. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis statistik deskriptif, uji asumsi klasik, analisis regresi linear berganda, uji T, uji F, koefisien determinasi, dan uji sobel. Return on Asset (ROA) berpengaruh positif dan signifikan terhadap harga saham, namun Current ratio (CR), Asset Growth dan Debt to Equity Ratio (DER) berpengaruh negative dan signifikan terhadap harga saham. Return on Asset (ROA) dan Asset Growth berpengaruh positif dan signifikan terhadap Debt to Equity Ratio. Sedangkan Current Ratio (CR) berpengaruh negatif dan signifikan terhadap Z (Debt To Equity Ratio (DER)). Debt To Equity Ratio (DER) memediasi positif pengaruh Current Ratio (CR) terhadap Harga Saham namun disatu sisi Debt To Equity Ratio (DER) memediasi negatif pengaruh Return On Asset (ROA) dan Asset Growth terhadap Harga Saham perusahaan sub sektor makanan dan minuman yang terdaftar di BEI periode 2019-2023.
PENGARUH SIKAP KEUANGAN, STRATEGI PEMASARAN, LOCUS OF CONTROL, DAN INTELLECTUAL CAPITAL TERHADAP KINERJA KEUANGAN UMKM PADA SEKTOR KULINER DI KECAMATAN GONDANGREJO KABUPATEN KARANGANYAR Siwi Dyah Ayu Sukmawati; Naili Amalia
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 2 No. 1 (2024): September
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v2i1.2087

Abstract

Penelitian ini bertujuan menganalisis signifikansi sikap keuangan, strategi pemasaran, locus of control, dan intellectual capital terhadap kinerja keuangan UMKM pada sektor kuliner di Kecamatan Gondangrejo Kabupaten Karanganyar. Jenis data yang digunakan yaitu data kuantitatif. Sumber data yang digunakan yaitu data primer. Populasi dalam penelitian ini adalah jumlah pelaku usaha UMKM di Karanganyar bidang kuliner sebanyak 1.971 UMKM. Sampel yang digunakan 100 responden. Teknik pengambilan sempel menggunakan teknik purposive sampling. Teknik pengumpulan data menggunakan kuisioner, observasi, dan studi pustaka. Uji instrumen penelitian menggunakan uji validitas dan uji reliabilitas. Teknik analisis data menggunakan uji regresi linier berganda, uji t, uji F, dan R2 . Hasil uji asumsi klasik menunjukkan bahwa semua variabel telah lolos uji multikolinieritas, heteroskedastisitas, autokorelasi dan normalitas berdistribusi normal. Hasil menunjukkan bahwa sikap keuangan tidak berpengaruh signifikan terhadap kinerja keuangan pada UMKM kuliner di Kecamatan Gondangrejo, Karanganyar. Strategi pemasaran berpengaruh signifikan terhadap kinerja keuangan pada UMKM kuliner di Kecamatan Gondangrejo, Karanganyar. Locus of control tidak berpengaruh signifikan terhadap kinerja keuangan pada UMKM kuliner di Kecamatan Gondangrejo. Intellectual capital berpengaruh signifikan terhadap kinerja keuangan pada UMKM kuliner di Kecamatan Gondangrejo, Karanganyar.
Penafsiran Ayat-Ayat Tentang Korupsi Naili Amalia; Rahmi Syafitri
Al-Tarbiyah : Jurnal Ilmu Pendidikan Islam Vol. 3 No. 3 (2025): Juli: Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/al-tarbiyah.v3i3.2470

Abstract

Corruption is an issue that has received attention in the Qur'an, although it has not been studied in depth in terms of legal aspects and scientific research. Some verses of the Qur'an contain concepts related to corruption, but have not yet become the main reference in Islamic legal studies. This study aims to reveal the meaning of corruption in the Qur'an through the analysis of relevant verses and the interpretations of the mufassirs in various books of interpretation. The focus of this study is to explore the Qur'anic perspective on corrupt practices by referring to the interpretations of the scholars of tafsir. In the Qur'an, some terms that approach the meaning of corruption include robbery (hirabah), theft (as-sariqah), treason (al-ghulul), and bribery (as-suht).
Pengaruh Pajak Daerah, Retribusi Daerah, dan BelanjaModal Terhadap Pendapatan Asli Daerah (PAD) (Studi Kasus pada Pemerintahan Kota Surakarta Jawa Tengah Tahun 2019-2023) Tiara Oktavia Putri; Naili Amalia
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 3 (2025): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/482zd121

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pajak daerah, retribusi daerah, dan belanja modal terhadap Pendapatan Asli Daerah (PAD) Pemerintah Kota Surakarta periode 2019–2023. Latar belakang penelitian ini dilandasi oleh pentingnya PAD sebagai indikator kemandirian fiskal daerah dalam mendukung pembangunan dan pelayanan publik. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan jenis data sekunder berupa data time series yang diperoleh dari laporan realisasi anggaran Pemerintah Kota Surakarta dan Badan Pusat Statistik. Analisis data dilakukan menggunakan regresi linear berganda dan uji asumsi klasik (uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi).Hasil penelitian menunjukkan bahwa pajak daerah, retribusi daerah, dan belanja modal berpengaruh signifikan terhadap Pendapatan Asli Daerah (PAD) secara parsial maupun simultan. Pajak daerah memiliki pengaruh paling dominan dalam meningkatkan PAD, diikuti oleh retribusi daerah dan belanja modal. Temuan ini menunjukkan bahwa optimalisasi pengelolaan pajak dan retribusi serta alokasi belanja modal yang tepat dapat menjadi strategi efektif dalam meningkatkan PAD Kota Surakarta. Penelitian ini diharapkan dapat menjadi referensi bagi pemerintah daerah dalam perumusan kebijakan fiskal yang mendukung pembangunan berkelanjutan dan kemandirian daerah.  
Pengaruh Persepsi Risiko, Perilaku Keuangan, dan Pengetahuan Investasi Terhadap Keputusan Investasi pada Generasi Z di Kota Surakarta Dewanti Tri Buana; Naili Amalia
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/708p0x25

Abstract

This study aims to analyze the influence of risk perception, financial behavior, and investment knowledge on investment decisions among Generation Z in Surakarta City. This research employed a quantitative approach using a survey method with 75 respondents. Data were analyzed using multiple linear regression with the assistance of SPSS. The results indicate that risk perception, financial behavior, and investment knowledge significantly affect investment decisions. The adjusted R² value of 0.801 implies that 80,1% of the variation in investment decisions can be explained by the three independent variables, while the remaining 19,1% is influenced by other variables outside the research model. This study supports Kahneman’s Prospect Theory and the Theory of Planned Behavior, which explain that risk perception, attitudes, and knowledge shape individual investment behavior. The findings are expected to provide practical contributions for young investors, regulators, and capital market practitioners in designing financial literacy programs and effective investment strategies.
PENGARUH LITERASI KEUANGAN, KEAMANAN, PERSEPSI MANFAAT DAN RISIKO TERHADAP MINAT PENGGUNAAN QRIS PADA UMKM: Survei Pada UMKM Surakarta Putri, Kasilda Helga Erlinda; Naili Amalia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 2 No. 5 (2025): September
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v2i5.6524

Abstract

Abstrak. This research aims to analyze the significance of the influence of financial literacy, safety of use, perceived benefits and perceived risks on interest in using QRIS in Surakarta MSMEs. The data collection technique in this research uses a questionnaire. The total population involved in this research was 2,312 MSMEs in Surakarta who used QRIS and a sample of 165 respondents was obtained using the Solvin formula with a sampling technique, namely quota sampling. The data analysis techniques used in this research are descriptive analysis, research instrument test, classical assumption test, t test, F test, and coefficient of determination test (R2). The results of this research show that the t test shows that financial literacy has no significant effect on interest in using QRIS in Surakarta MSMEs, while safety of use, perceived benefits and risk perception have a significant effect on interest in using QRIS in Surakarta MSMEs. The F test results show a significance value of 0.000 < 0.05. The coefficient of determination test result (R2) is 0.446, meaning that the contribution of the independent variables X1 (financial literacy), X2 (safety of use), X3 (perception of benefits) and The remainder (100% - 44.6%) = 55.4% is influenced by other variables outside the model. Keywords: financial literacy; interest in use; perceived security of use; perceived benefits; perceived risks. Abstrak. Penelitian ini bertujuan untuk menganalisis signifikansi pengaruh literasi keuangan, keamanan penggunaan, persepsi manfaat dan persepsi risiko terhadap minat penggunaan QRIS pada UMKM Surakarta. Teknik pengumpulan data dalam penelitian ini dengan menggunakan kuisioner. Jumlah populasi dalam penelitian ini adalah 2.312 pelaku UMKM di Surakarta yang menggunakan QRIS dan diperoleh sampel sebanyak 165 responden menggunkan rumus Solvin dengan teknik pengambilan sampel yaitu quota sampling. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis deskriptif, uji instrumen penelitian, uji asumsi klasik, uji t, uji F, dan uji koefisien determinasi (R2). Hasil penelitian ini menunjukkan uji t dengan hasil penelitian yaitu literasi keuangan berpengaruh tidak signifikan terhadap minat penggunaan QRIS pada UMKM Surakarta, sedangkan keamanan penggunaan, persepsi manfaat dan persepsi risiko berpengaruh signifikan terhadap minat penggunaan QRIS pada UMKM Surakarta. Hasil uji F menunjukkan nilai signifikasi 0,000 < 0,05. Hasil uji koefisien determinasi (R2) sebesar 0,446, artinya besarnya sumbangan pengaruh variabel independen X1 (literasi keuangan), X2 (keamanan penggunaan), X3 (persepsi manfaat) dan X4 (persepsi resiko) terhadap Y (minat penggunaan QRIS) sebesar 44,6 %. Sisanya (100% - 44,6%) = 55,4 % dipengaruhi oleh variabel lain diluar model.. Kata Kunci: keamanan penggunaan; literasi keuangan; minat penggunaan; persepsi manfaat; persepsi risiko.
Pengaruh Literasi Keuangan, Modal Kerja dan Inovasi Digital terhadap Sustainability Finance Performance pada UMKM Fashion di Kota Surakarta Sevina Aira Ayu Maria Pawestri; Naili Amalia
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 3 No. 4 (2025): Oktober : 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.v3i4.3546

Abstract

Although fashion SMEs in Surakarta play an important role in the local economy, they still face challenges in financial management and sustainability. This study examines the effects of financial literacy, working capital, and digital innovation on sustainable financial performance. Survey data from 100 respondents were analyzed using multiple regression. The results show that financial literacy and digital innovation significantly influence sustainable financial performance, while working capital does not. These findings emphasize the importance of improving financial literacy and digital adoption to support SME sustainability. Enhancing financial literacy equips SME owners with the necessary skills to make informed financial decisions, while digital innovation allows them to streamline operations and reach a broader market. The lack of significant impact from working capital suggests that factors beyond financial resources, such as knowledge and technology, are crucial for long-term sustainability. The study highlights the need for policy interventions and programs that focus on increasing financial literacy and encouraging digital transformation in SMEs to ensure their growth and resilience in the competitive market.
PENGARUH FINANCIAL BOOTSTRAPPING, PERILAKU KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA KEUANGAN UMKM (STUDI KASUS UMKM NIGHT MARKET NGARSOPURO DI SURAKARTA) Leta Novi Romadhoni; Naili Amalia
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 9 (2025): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i9.6575

Abstract

This study aims to analyze the influence of financial bootstrapping, financial behavior, and financial literacy on the financial performance of MSMEs (case study of MSME Night Market Ngarsopuro in Surakarta). This research employs a quantitative approach using Slovin's formula, involving 135 respondents from MSMEs at the Night Market Ngarsopuro in Surakarta. Data were collected through questionnaires and analyzed using SPSS version 27. The data analysis methods used in this study include descriptive statistics, validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, and the coefficient of determination (R²) test.The results of the t-test indicate that financial bootstrapping, financial behavior, and financial literacy have a significant effect on financial performance. The F-test results show a calculated F value of 62.451 with a significance value (p-value) of = 0.000 < 0.05, thus Ho is rejected and Ha is accepted, meaning that the regression model is appropriate for predicting the influence of independent variables on the dependent variable. The coefficient of determination (R²) obtained is = 0.579, indicating that the contribution of the independent variables to the dependent variable is = 57.9%. The remaining (100% - 57.9%) = 42.1% is influenced by other variables outside the model, such as capital structure, financial technology and others.
Co-Authors Aaliyah May Zannah Dafa Caesario Islama Deva Novia Arinta Dewanti Tri Buana Leta Novi Romadhoni Putri, Kasilda Helga Erlinda Rahmi Syafitri Sevina Aira Ayu Maria Pawestri Siwi Dyah Ayu Sukmawati Tiara Oktavia Putri