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Nugraha, I Nyoman
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Financial Literacy, Self Efficacy, dan Self Esteem Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM dengan Gender Sebagai Variabel Moderasi Wardani, Ni Putu Ika Saraswati; Suryani, Embun; Nugraha, I Nyoman
Jurnal Pendidik Indonesia (JPIn) Vol 5, No 2: Oktober 2022
Publisher : Yayasan Pendidikan Intan Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47165/jpin.v5i2.343

Abstract

Financial Literacy is a combination of awareness, knowledge, skills, attitudes, and behaviors needed to make good financial decisions and ultimately achieve Financial Wealth Behavior. The purpose of this study was to determine the effect of financial literacy, self-efficacy, and self-esteem on financial management behavior in MSME actors with gender as a moderating variable. This research uses associative research method. The sample in this study amounted to 100. The instrument used in this study was a questionnaire. Data were analyzed using multiple regression with the help of Partial Least Square (PLS) program. Based on the results of the study, it can be concluded that there is an influence of Financial Literacy on Financial Management Behavior on MSME actors, with a p value of 0.028 with a t statistic of 2.202. There is an influence of Self Efficacy on Financial Management Behavior in MSME actors, with a p value of 0.023 with a t statistic of 2.268. There is an effect of Self Esteem on Financial Management Behavior in MSME actors, with a p value of 0.000 with a t statistic of 7.564. Gender is not able to moderate the influence of Financial Literacy on Financial Management Behavior on MSME actors, with a p value of 0.900 with a t statistic of 0.126. Gender is not able to moderate the effect of Self Esfficacy on Financial Management Behavior on MSME actors, with a p value of 0.736 with a t statistic of 0.337. Gender is not able to moderate the influence of Self Esteem on Financial Management Behavior on MSME actors, with a p value of 0.439 with a t statistic of 0.775
Good Corporate Governance, Kredit Bermasalah, dan Likuiditas Terhadap Profitabilitas Dengan Cost Efficiency Sebagai Variabel Intervening Pada Bank Perkreditan Rakyat Upatiartha, Dwi; Nugraha, I Nyoman; Suryani, Embun
Jurnal Pendidik Indonesia (JPIn) Vol 6, No 1: April 2023
Publisher : Yayasan Pendidikan Intan Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47165/jpin.v6i1.645

Abstract

Penelitian ini bertujuan untuk menguji Pengaruh Good Corporate Governance, Kredit Bermasalah dan Likuiditas Terhadap Profitabilitas melalui Cost Efficiency Pada Bank Perkreditan Rakyat Di Provinsi Nusa Tenggara Barat. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian asosiatif dengan pendekatan kuantitatif. Populasi dalam penelitian ini sebanyak 29 Bank Perkreditan Rakyat di Provinsi Nusa Tenggara Barat. Sampel dalam penelitian ini diperoleh dengan menggunakan teknik purposive sampling, sehingga diperoleh 18 sampel. Metode pengumpulan data yang digunakan dalam penelitian ini adalah metode sampel survey. Hasil penelitian menunjukkan bahwa Good Corporate Governance, Kredit Bermasalah dan Likuiditas tidak berpengaruh dan tidak signifikan terhadap Profitabilitas sedangkan, untuk Cost Efficiency berpengaruh negatif dan signifikan terhadap Profitabilitas. Good Corporate Governance tidak berpengaruh dan tidak signifikan terhadap Cost Efficiency sedangkan Kredit Bermasalah dan Likuiditas berpengaruh positif dan signifikan terhadap Cost Efficiency. Serta hasil penelitian pengaruh tidak langsung menunjukkan bahwa Good Corporate Governance tidak berpengaruh terhadap profitabilitas melalui Cost Efficiency, sedangkan untuk Kredit Bermasalah dan Likuiditas berpengaruh terhadap Profitabilitas melalui Cost Efficiency.
Co-Authors Suryani, Embun Upatiartha, Dwi Wardani, Ni Putu Ika Saraswati