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PENGARUH LITERASI KEUANGAN, PENDAPATAN DAN PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH) PAYMENT TERHADAP PERILAKU KEUANGAN MAHASISWA FAKULTAS EKONOMI UST Laili, Tri; Maulida, Alfiatul; Sari, Pristin Prima
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 02 (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.v14i2.45166

Abstract

Dalam penelitian ini bertujuan untuk mengetahui Literasi Keuangan, Pendapan, Dan  penggunaan financial technology (fintech) payment terhadap perilaku keuangan mahasiswa fakultas ekonomi UST. Metode Peneliatian ini menggunakan metode kuantitatif. Populasi dalam penelitian adalah mahasiswa univesitas sarjanawiyata tamansiswa dengan keseluruhan 1455 orang. Sampel yang digunakan 315 mahasiswa UST. Uji yang digunakan dalam penelitian meliputi ujian validitas, uji reliabilitas, uji normalitas, uji heterokedastitas, multikoneritas, ui analisis linier berganda, ui t pasial, uji f, dan uji koefisien detrminasi. Hasil penelitian ini menunjukan bahwa Literasi Keuangan, Pendapan, Dan  penggunaan financial technology (fintech) payment berpengaruh dan signifikan terhadap perilaku keuangan mahasiswa fakultas ekonomi UST.
The Influence of Financial Inclusion, Financial Literacy, and Financial Technology on The Financial Performance of MSMEs in Gunungkidul District Puspitasari, Novi; Sari, Pristin Prima; Kusumawardhani, Ratih
Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) Vol 3 No 5 (2025): June 2025
Publisher : PT SOLUSI EDUKASI BERDIKARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63901/ijebam.v3i5.132

Abstract

This study looks at how the financial performance of MSMEs in Gunungkidul Regency is affected by financial inclusion, financial literacy, and financial technology. Purposive sampling is the research methodology employed in this study. The R2, T, and F-Tests are used in this study for test hypotheses. The study's findings show that the financial success is significantly and favorably impacted by the financial inclusion variable, with a regression coefficient value of 6,675 and a significance value of 0,0000 < 0,05. As evidenced by its value of 6,242 and significance value of 0,0000 < 0,05; the financial literacy variable has a significant and favorable impact on financial performance. Financial technology also has a significant and beneficial impact, with a value of 3,187 and a significance value of 0,002 < 0,05.
Analysis Of The Influence Of Financial Literacy, Ease Of Use, Risk Perception, And Decision To Use QRIS As Digital Payment On FE Students Of Sarjanawiyata Tamansiswa University Yogyakarta Desniawaty, Desniawaty; Sari, Pristin Prima; Damanik, Johannes Maysan
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.8021

Abstract

The purpose of this study is to assess the influence of financial literacy, ease of use, and risk perception on the decision to use QRIS in students of the Faculty of Economics, Sarjanawiyata Tamansiswa University. This study uses a kunitative research method, and sampling is carried out with a purposive sampling approach. This study involved 100 active FE UST students. Data collection was carried out through a questionnaire distributed through a google form with a likert scale of 1-5. Data validity and reliability tests, classical assumption tests, multiple linear regression tests, and hypothesis tests were carried out using the SPSS Ver 25 statistical tool. The results of the study show that partially, the financial literacy of FE UST students has a positive and significant effect on their decision to use QRIS; the ease of use of QRIS has a positive and significant effect on their decision to use QRIS; and the perception of risk negatively affects their decisions. Simultaneously, this shows that financial literacy, ease of use, and risk perception positively and significantly influence QRIS decisions.
The Influence of Operational Costs And Operational Revenues (BOPO), Debt To Equity Ratio (DER), and Capital Adequacy Ratio (CAR) On Profitability In Banking Companies Listed On The Indonesia Stock Exchange (IDX) For The 2018-2023 Period Fadhilah, Anisah Salma; Kusumawardhani, Ratih; Sari, Pristin Prima
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 3 (2025): Dinasti International Journal of Economics, Finance & Accounting (July-August 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i3.4653

Abstract

This study investigates the influence of the Operational Costs to Operational Revenues Ratio (BOPO), Debt to Equity Ratio (DER), and Capital Adequacy Ratio (CAR) on the profitability of Indonesian banks listed on the Indonesia Stock Exchange (IDX) during the period from 2018 to 2023. Employing a quantitative approach and multiple linear regression analysis, the research reveals that BOPO has a significant negative impact on profitability, indicating that higher operational costs lead to diminished profitability. In contrast, both DER and CAR exhibit significant positive effects, highlighting that increased leverage and adequate capital can enhance profitability. The study applies purposive sampling, selecting 25 banks based on specific criteria, and relies on secondary data from financial reports. Classical assumption tests—such as normality, multicollinearity, autocorrelation, and heteroscedasticity—verify the reliability of the data. The findings demonstrate that BOPO, DER, and CAR collectively account for 45% of the variation in profitability, while the remaining 55% is attributed to external factors. These results align with previous studies emphasizing the critical roles of operational efficiency, leverage management, and capital adequacy in driving bank profitability. This study provides valuable insights for bank executives, investors, and policymakers, underscoring the importance of efficient cost control, balanced leverage, and sufficient capital to ensure financial stability and profitability within the banking sector.
Pengaruh Profitabilitas, Kebijakan Dividen dan Tingkat Pertumbuhan Terhadap Struktur Modal Latifah, Riska Choirul; Sari, Pristin Prima; Damanik, Johannes Maysan
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 5 No. 2 (2025): Artikel Riset Juli 2025
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v5i2.6696

Abstract

Penelitian ini memiliki tujuan dalam mengetahui pengaruh Profitabilitas, Kebijakan Dividen dan Tingkat Pertumbuhan terhadap Struktur Modal Perusahaan Consumer Goods yang terdaftar di Bursa Efek Indonesia periode 2017-2019. Populasi pada penelitian ini adalah Perusahaan Consumer Goods yang terdaftar di Bursa Efek Indonesia periode 2017-2019, yaitu sebanyak 62 perusahaan. Teknik pengambilan sampel dalam penelitian ini adalah menggunakan metode purposive sampling. Dengan metode purposive sampling diperoleh sebanyak 20 perusahaan yang memenuhi kriteria sampel dengan tahun pengamatan 3 tahun, sehingga jumlah sampel yang diperoleh adalah 60 data sampel penelitian. Penelitian ini menggunakan jenis data sekunder yang diperoleh dengan mengakses website idx.co.id. Teknik analisis data yang digunakan dalam penelitian ini adalah regresi linear berganda dan pengujian hipotesis menggunakan Uji t dan Uji F dengan tingkat signifikansi alpha 5%. Data diolah menggunakan aplikasi spssversi.25 Hasil penelitian ini menunjukkan bahwa variabel profitabilitas memiliki pengaruh positif dan signifikan terhadap struktur modal. Variabel kebijakan dividen secara parsial tidak memiliki pengaruh terhadap struktur modal. Variabel tingkat pertumbuhan secara parsial tidak memilikii pengaruh terhadap struktur modal. Dan secara simultan, variabel profitabilitas, kebijakan dividen dan tingkat pertumbuhan memiliki pengaruh positif dan signifikan terhadap struktur modal.
Implementation of the principles of Cipta, Rasa, Karsa in GC Persada Transportation Company to Improve Service Quality Billani, Adestya Nindi Salsa; Danda, Made; Faisal, Muhammad Noer; Ketlin, Lidwina Arie Dewannti; Ananta, Berli; Sari, Pristin Prima
International Journal of Community Service (IJCS) Vol. 4 No. 2 (2025): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v4i2.1162

Abstract

This research aims to improve service quality at GC Persada Transportation Company, through a socialization-based approach, especially the concept of “Cipta, Rasa, Karsa” from Ki Hajar Dewantara. The community service program involved students and lecturers from Sarjanawiyata Tamansiswa University who optimized the service system through the Spereadsheet application to improve service quality. The methods used include socialization, training and implementation of Spereadsheet digital technology to maximize recording according to customer wishes to reduce the occurrence of miscommunication with other employees. The results showed that the approach of implementing digital technology on employees is significant to improve the quality of service that is more professional and effective.
Analisis Rasio Likuiditas, Solvabilitas, Dan Profitabilitas Terhadap Harga Saham Dengan Earning Per Share (EPS) Sebagai Variabel Moderasi Rinofah, Risal; Sari, Pristin Prima; Sari, Novita
Gorontalo Accounting Journal Volume 5 Nomor 1 April 2022
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (256.116 KB) | DOI: 10.32662/gaj.v5i1.1879

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This study aims to analyze the effect of liquidity, solvency, and profitability on stock price with Earning Per Share (EPS) as a moderation variable. The population of this research is Food and Bavarage subsector companies which is listed in Indonesian Stock Exchange period 2016-2020. The method in this study used quantitative approach. The sampling technique used was purposive sampling based on certain criteria. The research sample was obtained through purposive sampling method and resulted in 16 companies so that the sample of this study was 80 sample which became the object of research. The analytical methods used in this research are descriptive statistics, the classic assumption test, F test, t test, multiple regression analysis, and residual test for moderating variable. The result showed that partially profitability ratio have significant effect on stock price. Meanwhile liquidity and solvency ratio does not have significant effect on stock price. Simultaneously, CR, DER, and ROA affected on stock price.  The result from residual test showed that Earning Per Share (EPS) unable to moderate CR, DER, and ROA on stock prices.
The Effect of Good Corporate Governance on Stock Return Volatility During The Covid 19 Pandemic on Tourism Companies Listed on The Indonesia Stock Exchange in 2019-2022 Aliyah, Aliyah; Kusumawardhani, Ratih; Sari, Pristin Prima
Journal of Management Economic and Financial Vol. 2 No. 1 (2024): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jmef.v2i1.26

Abstract

This study investigates the impact of good corporate governance on stock return volatility within the context of the COVID-19 pandemic, focusing on tourism companies listed on the Indonesia Stock Exchange from 2019 to 2022. The research examines how effective corporate governance practices contribute to managing stock return volatility during this challenging period. By analyzing financial data and corporate governance indicators, the study aims to provide insights into the relationship between corporate governance and stock market dynamics in the turbulent environment brought about by the pandemic.
Pengaruh Profitabilitas, Resiko Bisnis dan Pertumbuhan Penjualan terhadap Struktur Modal pada Perusahaan Property dan Real Estate  di BEI 2016 – 2020 Brona, Areza Marta; Rinofah, Risal; Sari, Pristin Prima
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 1 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/pgfdm703

Abstract

Capital structure is a comparison between foreign capital and own capital. In principle, the company needs funding both from outside which is debt and from within which is joint capital, therefore the company must determine and compile how much capital the company must need. This study aims to analyze the effect of profitability, business risk and sales growth on the capital structure of property and real estate companies listed on the Indonesia Stock Exchange for the period  2016-2020 partially and simultaneously. This study uses quantitative data types obtained from secondary data with sample data collection techniques through purposive sampling method. This research method uses descriptive method with data analysis tool using multiple linear regression method. The results of this study indicate that profitability as proxied by ROE has an insignificant negative effect on capital structure, business risk has a significant negative effect on capital structure and sales growth has an insignificant negative effect on capital structure. Meanwhile, simultaneously (together) profitability, business risk and sales growth affect the capital structure of property and real estate companies listed on the Indonesia Stock Exchange for the period 2016-2020.
Pengaruh Tangibility Asset, Size, dan Volatilitas Terhadap Financial Distress Pada Bumn di Bursa Efek Indonesia Alvita, Devi; Kusumawardhani, Ratih; Sari, Pristin Prima
BRILIANT: Jurnal Riset dan Konseptual Vol 9 No 4 (2024): Volume 9 Nomor 4, November 2024
Publisher : Universitas Nahdlatul Ulama Blitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28926/briliant.v9i4.1790

Abstract

This research aims to determine the effect of asset tangibility, size and volatility on financial distress. In estimating financial distress in this research, the Altman Z-score model was used. With a sample size of 27 state-owned companies for 4 years or during COVID-19. The results of the analysis obtained are that the asset tangibility variable states that it has no effect on financial distress. Because, a high asset tangibility value will not necessarily prevent the company from financial distress. The size variable shows that it has no effect on financial distress. Companies that have a large number of assets will not necessarily avoid financial distress or financial difficulties. The volatility variable shows an influence on financial distress. Companies that have low volatility values ​​do not necessarily always experience financial distress or financial difficulties, and vice versa. This is because the volatility value will affect investors who will invest. This research concludes that state-owned companies listed on the Indonesia Stock Exchange for the 2019-2022 period or during the COVID-19 pandemic did not have a significant influence on financial distress. However, during COVID-19, banking and health companies made very rapid profits.