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PENGETAHUAN SISTEM PEMBAYARAN TEKNOLOGI DIGITAL DALAM KINERJA KEUANGAN UMKM Monica, Liza; Maulida, Alfiatul; Sari, Pristin Prima
Jurnal Manajemen Terapan dan Keuangan Vol. 13 No. 04 (2024): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v13i04.38291

Abstract

Kinerja Keuangan UMKM merupakan kemampuan Usaha Mikro, Kecil, dan Menengah (UMKM) Dalam mengelola sumber daya keuanganya untuk mencapai profitabilitas, pertumbuhan, dan kelangsungan usaha. Kinerja keuangan UMKM biasanya diukur menggunakan sejumlah indicator keuangan yang dapat mencerminkan efesiensi keuangan usaha. Beberapa artikel terbukti memiliki pengaruh positif, penelitian ini dibutuhkan untuk eksploratif lebih lanjut variable apa yang memiliki pengaruh terhadap kinerja keuangan UMKM dengan menambahkan Sistem Pembayaran, Teknologi Digital, dan Pengetahuan. Penelitian ini melibatkan 148 responden Usaha Mikro, Kecil dan Menengah dengan teknik pengambilan sampel menggunakan Non-Propability dengan purposive sampling, sedangkan olah data menggunakan SmartPLS 4.0. hasil menunjukan bahwa system pembayaran tidak berpengaruh positif terhadap Kinerja Keuangan UMKM; Pengetahuan tidak berpengaruh positif terhadap Kinerja Keuangan UMKM.
Determinant of Financial Flexibility: Internal Funding, External Funding, and Moderating of Investment Firms Listed in Indonesia Stock Exchange Sari, Pristin Prima; Hermuningsih, Sri; Hidayat, Riskin; Rahmawati, Anisya Dewi
INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW Vol 2 No 3 (2024): Current Issue 6
Publisher : SMARTINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58765/ijemr.v2i3.203

Abstract

Purpose- The research aims to find empirical evidence of the influence of internal and external funding on financial flexibility with firms' investment moderation on the Indonesian Stock Exchange. Design/methodology/approach - The Research Method uses quantitative methods using multiple regression analysis. The sample used was the food and beverage sector on the Indonesian Stock Exchange. Data uses annual financial reports 2019-2023. Originality -  This research uses the flexibility variable as the dependent variable, whereas in most previous research, flexibility was used as the independent variable. Findings and Discussion - The research results show that internal and external funding have no significant effect on financial flexibility but investment has a significant effect on financial flexibility. Investment can moderate internal funding and external funding on financial flexibility. Conclusion - Investment can moderate internal funds and external funds to financial flexibility. Suggestion for future research to use other variable that impact on financial flexibility. This Research has recommended that firm management consider fund sources to gain financial flexibility. The Higher the financial flexibility the higher fulfill firm expenditure. The benefit of research is for managerial decision-making related to internal and external funding sources which have an impact on financial flexibility with investment moderation.
THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR Rinofah, Risal; Sari, Pristin Prima; Pratama, Yhoga Heru; Trinugroho, Irwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15628

Abstract

The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 5%. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech. Keywords : Creditor, Fintech, Investment, Third Party fund, Working Capital.
THE WORKING CAPITAL, INVESTMENT, THIRD PARTY FUND ON OUTSTANDING FINTECH WITH CREDITOR GROWTH AS MODERATOR Rinofah, Risal; Sari, Pristin Prima; Pratama, Yhoga Heru; Trinugroho, Irwan
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 4 (2024): IJEBAR, VOL. 08 ISSUE 04, DECEMBER 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i4.15628

Abstract

The research aims to empirically examine the influence of working capital financing, investment and third party funds on Fintech Outstanding with Credit Growth Moderators in 2020-2023. Multiple Linear Regression Method with SPSS IBM 20 analysis tool. The significance level of the accepted research hypothesis is 5%. The research sample uses data from the My Data application in Yogyakarta online from the OJK. The benefit of the research is that investors can consider investing in Fintech Lending companies, for Fintech Company management it is to consider flexibility in credit conditions for MSMEs to increase Fintech Outstanding. The results of the research are that working capital credit has a significant effect on outstanding fintech but investment credit, deposits and creditor growth do not have a significant effect on outstanding fintech. Creditor growth was unable to significantly moderate working capital and investment in outstanding fintech. Keywords : Creditor, Fintech, Investment, Third Party fund, Working Capital.
Literasi Keuangan Digital dan Kepercayaan Keuangan memengaruhi Kepercayaan Keuangan serta Implikasinya terhadap Kesejahteraan Keuangan pada Generasi Z di Yogyakarta Nurafina, Aulia; Sari, Pristin Prima; Maulida , Alfiatul
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 2 (2025): Maret
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i2.580

Abstract

The development of financial technology in Indonesia is currently accelerating, providing economic changes and utilizing technology for various conveniences related to the finances of each individual. This is a challenge and requires us to be able to have the appropriate knowledge and skills in using financial technology correctly, appropriately and safely to avoid mistakes in financial matters. This study aims to analyze digital financial literacy and financial trust that affect financial behavior and its implications for financial well-being in Generation Z. This study uses a quantitative method with a sample of 150 respondents who are Generation Z domiciled in the Special Region of Yogyakarta. The sampling technique is by distributing data in the form of questionnaires and sample sizes using hair et.al because the population is not yet known apsti. The measuring tools used are validity tests and reliability tests as well as data analysis techniques using path analysis with the help of SmarPLS software analysis version 3.0. The results of the research analysis prove that the hypothesis is accepted, namely digital financial literacy and financial trust affect financial behavior, as well as financial trust and financial behavior affect financial well-being. This shows that these three variables have a positive impact on financial well-being which plays a significant role in Generation Z in the Special Region of Yogyakarta.
Exchange Rate, Dividend Policy, and Capital Structure: Their Impact on Stock Returns in Jakarta Islamic Index Companies (2019–2023) Maulidha, Afisa Nur; Sari, Pristin Prima; Damanik, Johannes Maysan
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 6 (2025): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i6.3790

Abstract

This study aims to analyze the impact of exchange rates, dividend policies, and capital structures on stock returns of JII-listed companies from 2019-2023, considering unique characteristics and adherence to Sharia principles. This study uses a qualitative method, employing purposive sampling techniques to determine the sample and then analyzing it using multiple linear regression with the SPSS 25.0 application. The sample in this study consists of 23 companies listed on the IDX that are included in the JII index and are non-bank companies. The results of this study found that the exchange rate has a positive effect on stock return. Dividend policy, measured using the dividend payout ratio (DPR), has a negative and significant effect on stock return. Capital structure, measured using the debt to equity ratio (DER), has a negative and significant effect on stock return. Meanwhile, simultaneously, the variables of exchange rates, dividend policies, and capital structures have a significant effect on stock return. The findings provide valuable insights for investors and companies seeking to make informed investment decisions and develop effective financial strategies aligned with Sharia principles. The study contributes academically to sharia-based finance literature and offers practical implications for market participants in the Islamic capital market.
PENGARUH LITERASI KEUANGAN, GAYA HIDUP, DAN KONTROL DIRI TERHADAP PERILAKU SAVING DI KALANGAN GENERASI Z (STUDI PADA GENERASI Z KOTA PURWOREJO, JAWA TENGAH) Adriyati, Intan; Sari, Pristin Prima; Damanik, Johannes Maysan
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 01 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i01.35837

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, gaya hidup dan kontrol diri terhadap perilaku saving generasi Z di kabupaten Purworejo. Penelitian ini merupakan penelitian kuantitatif dengan teknik pengambilan sampel random sampling dengan jumlah sampel sebanyak 100 responden generasi Z di kabupaten Purworejo. Metode pengambilan data dalam penelitian ini menggunakan angket atau kuesioner yang disebar dengan google form. Teknik analisis pada penelitian ini menggunakan analisis regresi linier berganda, dengan uji kualitas instrument, uji asumsi klasik dan uji hipotesis dibantu dengan alat analisis SPSS versi 25. Hasil penelitian ini menunjukan bahwa literasi keuangan memiliki pengaruh positif dan signifikan terhadap perilaku saving, kemudian gaya hidup memiliki pengaruh positif dan tidak signifikan terhadap perilaku saving dan kontrol diri memiliki pengaruh positif dan signifikan terhadap perilaku saving.
Pengaruh Locus of Control, Sikap Keuangan, dan Perecanaan Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Alat, Stefanus Febrianto Triano; Sari, Pristin Prima; maulida, Alfiatul
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 2 (2025): Maret
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i2.547

Abstract

This study aims to empirically examine the influence of locus of control, financial attitudes, and financial planning on students' financial management behavior. Effective financial management is crucial for students as they transition toward financial independence. A quantitative approach was employed, utilizing a survey method with purposive sampling. The sample consisted of 91 students from the Management Study Program at the Faculty of Economics, Sarjanawiyata Tamansiswa University, enrolled between 2021 and 2024. Data were collected through questionnaires and analyzed using Partial Least Squares (PLS) with SmartPLS 3.0. The results indicate that locus of control has a positive and significant impact on financial management behavior, meaning that students with a higher level of financial control exhibit better financial management practices. Similarly, financial attitudes positively influence financial management behavior, suggesting that a more responsible financial mindset leads to improved financial decisions. Furthermore, financial planning significantly affects financial management behavior, emphasizing that structured financial planning enhances students' ability to manage their finances effectively.
Profit Balance, Stock Trading Volume, Return On Investment And Stock Prices Putra, Ardian Prima; Sari, Pristin Prima; Harmadi, Harmadi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 2 (2025): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i2.7011

Abstract

The purpose of the research is to empirically test the profit balance of stock prices, stock trading volume and return on invested capital (ROI). This research method used quantitative linear regression analysis using SPSS IBM 20. The information comes from the quarterly financial reports listed in the Indonesian Stock Exchange for the years 2018-2020. The results of the F-test show that the earnings ratio, stock market trading volume and return on invested capital (ROI) have a significant impact on stock prices. At the same time, the t-test shows that profit balance, stock trading volume and return on invested capital (ROI) partially significantly affect stock prices.
The Influence of Digital Financial Literacy on Saving Behavior Among Gen Z in Indonesia Mubarokah, Saidah; Sari, Pristin Prima; Kusumawardhani, Ratih
Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) Vol 2 No 5 (2024): Volume 2, No. 5, 2024
Publisher : PT SOLUSI EDUKASI BERDIKARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63901/ijebam.v2i5.86

Abstract

This research aims to determine the influence of digital financial literacy on saving behavior of generation z in Indonesia. The number of respondents of this research was 312 people, both from Java and non-Java. We carry out data processing using SmartPLS 3.0 software. In this research, we found that there is a positive and significant relationship between digital financial literacy and saving behavior of generation z in Indonesia. This means that the better a person's level of digital financial literacy, the better their financial behavior in terms of saving. There are still limitations to this research, namely that there are still provinces in Indonesia that have not participated in this research, so we suggest that the future research will be able to obtain respondents from all provinces in Indonesia