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All Journal Jurnal ASET (Akuntansi Riset) Jurnal Ilmiah Al-Syir'ah Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) ADPEBI International Journal of Business and Social Science Multifinance Adpebi International Journal of Multidisciplinary Sciences Adpebi Science Series
Ratnawati, Aryanti
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Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Multifinance

 1 
COMPANY FINANCIAL PERFORMANCE RATIOS: THE INFLUENCES OF THE STRUCTURE OF ASSETS, CASH HOLDING, FIRM SIZE AND INSTITUTIONAL HOLDINGS ON DEBT POLICY Ratnawati, Aryanti; Putri, Cikal Ananda; Lusiana, Senny; Gunawan, Gunawan; Khalingga, Muhammad Ariq
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.254

Abstract

The purpose of this study was to test and analyze the influence of asset structure, cash holding, firm size and institutional ownership on the debt policy of food and beverage industry sub-sector companies on the IDX 2018-2021.  Research method, the type of approach in this research is a Quantitative Approach. The sample of this study was obtained using the Purposive Sampling Method, obtained as many as 19 companies in the Food and Beverage Industry Sub-Sector companies listed on the Indonesia Stock Exchange (IDX) for the 2018-2021 Period. The analysis method used is Panel Data Regression Analysis. The results showed that partially Asset Structure has a significant positive effect on debt policy, Cash Holding hurts debt policy, Company Size has no significant positive effect on policy, Institutional Ownership has a significant positive effect on debt policy, simultaneously Asset Structure, Cash Holding, Company Size and Institutional Ownership have a significant positive effect on Debt Policy. Value, Asset Structure, Cash Holding and Institutional Ownership affect debt policy with a significance level <0.05 while company size has a significance level> 0.05, meaning that company size has no positive effect on debt policy.
FUNDAMENTAL AND TECHNICAL ANALYSIS AND EXTERNAL FACTORS ON FINANCIAL PERFORMANCE MODERATED BY DIVIDEND POLICY Susanto, Bambang; Dwijayanty, Rima; Ratnawati, Aryanti
Multifinance Vol. 2 No. 2 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i2.258

Abstract

Financial performance proxied by price to book value (PBV) will be greatly influenced by technical and fundamental factors as well as external factors. Technically for listed or public companies, it will be greatly influenced by the volume and frequency of transactions in the secondary market, while fundamentally it will be influenced by asset growth and the level of balance between the company's debt to equity ratio. External factors from the exchange rate and the Fed's interest rate will bring pressure on financial performance, especially if the exchange rate weakens and the Fed's interest rate rises, of course, financial performance will be affected by the increasingly high cost of capital. In this study, the dividend policy variable is included as a moderating variable to produce more comprehensive research outputs.
THE IMPACT OF PRODUCT QUALITY AND PRICE ON CUSTOMER SATISFACTION : A CASE STUDY ANALYZE HOTEL & RESIDENCE IN BANDUNG - WEST JAVA Muhammad, Farrel Febrian; Supriatna, Supriatna; Ratnawati, Aryanti; Ahmaddien, Iskandar; Sartika, Sri Dewi
Multifinance Vol. 2 No. 3 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i3.255

Abstract

The purpose of this study was to determine the effect of product quality and price on customer satisfaction. This research was conducted at a Hotel & Residence located in the city of Bandung. The number of samples in this study was 97 hotels and residences as respondents with data collection through distributing questionnaires.  Methods, this research uses descriptive and associative methods. The data analysis technique used in this study is multiple linear regression. Results and value, based on the results of the analysis show that there is a significant positive effect of product quality variables on customer satisfaction at Hotel & Residence Bandung. There is a positive significant effect on the price variable on customer satisfaction at Hotel & Residence Bandung, for Product Quality and Price simultaneously have a significant effect on Customer Satisfaction with a coefficient of determination of 73.4%.
THE INFLUENCE OF FINANCIAL LITERACY AND LOCUS OF CONTROL ON FINANCIAL BEHAVIOR ON STUDENTS OF UNIVERSITAS SANGGA BUANA INSTITUTIONS Putri, Amelisca Eka; Agusiady, Ricky; Susanto, Bambang; Ratnawati, Aryanti
Multifinance Vol. 2 No. 3 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i3.342

Abstract

This study aims to examine the effect of financial literacy, locus of control, and lifestyle on the financial behavior of students at Sangga Buana University in Bandung. The background of this study is based on the importance of good financial behavior in supporting financial well-being, especially among students as a productive age group that is forming their financial habits. This study uses a quantitative approach with descriptive and verifiable methods. Data was collected through questionnaires distributed to 100 active student respondents from Sangga Buana University in Bandung. The analysis technique used is multiple linear regression analysis to test the simultaneous and partial effects of the independent variables on the dependent variable. The results showed that simultaneously, financial literacy, locus of control, and lifestyle have a significant effect on students' financial behavior. Partially, financial literacy has a positive and significant effect on financial behavior, which indicates that the higher the students' understanding of finance, the better their financial behavior. Locus of control also has a significant positive effect, indicating that students with confidence in internal control over their lives tend to have better financial behavior. On the other hand, lifestyle has a negative effect on financial behavior, which means that the more consumptive the lifestyle of students, the worse their financial behavior. This study is expected to be a reference for educational institutions in designing programs to improve financial literacy and form positive attitudes toward personal financial management.
Co-Authors Acuviarta, Acuviarta Ahmaddien, Iskandar Al Farisi, Muhammad Salman Bambang Susanto Chatarina Umbul Wahyuni Dudi Rudianto Erlangga, Heri Eva Rachmawati Ferry Ferdian Taufik Gunawan Gunawan Hamzah, Ari Muhamad Herdiyanti, Gita Khalid, Nour Khalingga, M Ariq Khalingga, Muhammad Ariq Louisiani Mansoni Lusiana, Senny Mahadewi, Erlina Puspitaloka Muhammad, Farrel Febrian Putri, Amelisca Eka Putri, Cikal Ananda Ricky Agusiady Rima Dwijayanty Saepudin Saepudin Saepudin Setiawan, Audita Sinarjadi, Iman Sri Dewi Sartika Sukadwilinda, Sukadwilinda Supriatna Supriatna Tri Pujadi Susilo Wahid, Hariyaty Ab