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All Journal JURNAL EKONOMI SAKTI (JES) Qawwam
Elvia Desi, Dona
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Religion Economics, Econometrics & Finance Education Social Sciences

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Journal : Qawwam

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APPLICATION OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDES TO FINANCIAL BEHAVIOR WITH FINANCIAL LITERACY AS AN INTERVENING VARIABLE: CASE STUDY ON STUDENTS OF STIE SAKTI ALAM KERINCI Elvia Desi, Dona; Ali, Hapzi
Qawwam : The Leader's Writing Vol. 6 No. 1 (2025): June
Publisher : Fakultas Ushuluddin Adab dan Dakwah Insitut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/qawwam.v6i1.457

Abstract

This study discusses the application of financial knowledge, financial attitudes towards financial behavior with financial literacy as an intervening variable (Case Study on STIE Sakti Alam Kerinci Students). The purpose of this study is to determine the application of financial knowledge, financial attitudes towards financial behavior with financial literacy as an intervening variable. The research method used is quantitative. The sample in this study was 103 people. The sampling technique used accidental sampling. The data used in this study is primary data, which was obtained from a questionnaire submitted to STIE Sakti Alam Kerinci students. The results of this study include: 1) Financial Knowledge has a significant effect on Financial Literacy, 2) Financial Attitude does not have a significant effect on Financial Literacy, 3) Financial Knowledge has a significant effect on Financial Behavior, 4) Financial Attitude has a significant effect on Financial Behavior, 5) Financial Literacy has a significant effect on Financial Behavior, 6) Financial literacy does not have a significant direct effect on the influence of Financial Knowledge on financial behavior and 7) Financial literacy does not have a significant direct effect on the influence of Financial Attitude on financial behavior
THE RESOURCE-BASED VIEW (RBV) APPROACH AS THE MAIN FOUNDATION FOR ACHIEVING SUSTAINABLE COMPETITIVE ADVANTAGE THROUGH THE VRIO FRAMEWORK: DONA ELVIA DESI Elvia Desi, Dona
Qawwam : The Leader's Writing Vol. 6 No. 1 (2025): June
Publisher : Fakultas Ushuluddin Adab dan Dakwah Insitut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/qawwam.v6i2.389

Abstract

In an uncertain environment, and increasingly high levels of competition, the competitive advantage of business organizations is becoming shorter and more difficult to maintain. Facing this situation, a strategy is needed in an effort to maintain competitive advantage in a sustainable manner. One effort that can be made is through technological capabilities and dynamic capabilities in managing the resources owned. One approach that can be applied by companies to face various challenges and opportunities is an approach based on the resources-based view (RBV). This study aims to determine the extent to which the RBV concept plays a role in providing solutions to the company's efforts to maintain its competitive advantage in a sustainable manner. Through the VRIO framework. The method used in this paper is a literature study, namely by reviewing reading sources related to the concept of competitive advantage through the RBV approach. Based on the results of the study, a company will generally have the ability above the performance of its competitors if it is able to apply the RBV concept. This is because the company is more focused on identifying and managing the potential resources (tangible and intangible) it has, so that it has a competitive advantage in the long term.
THE EFFECT OF INVESTMENT DECISIONS, FUNDING DECISIONS AND DIVIDEND POLICY ON FIRM VALUE AT PT. UNILEVER INDONESIA TBK. YEAR 2014 TO 2023 Elvia Desi, Dona
Qawwam : The Leader's Writing Vol. 6 No. 1 (2025): June
Publisher : Fakultas Ushuluddin Adab dan Dakwah Insitut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/qawwam.v6i1.431

Abstract

This study aims to determine how the effect of investment decisions, funding decisions and dividend policy on firm value at PT Unilever Indonesia Tbk. 2014 to 2025. By using secondary data in the form of company financial statements, multiple linear regression analysis, rdeterminant coefficient and hypothesis testing, the results show that partially investment decisions have a positive but insignificant effect on firm value, funding decisions have a positive and significant effect on firm value, dividend policy has a negative and insignificant effect on firm value. Simultaneously investment decisions, funding decisions and dividend policy have a significant effect on firm value with an influence of 96.7%.
Co-Authors Hapzi Ali Robertus Suraji