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All Journal Jurnal Inovasi Bisnis (Inovbiz) SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Prosiding Working Papers Series In Management BALANCE: Jurnal Akuntansi, Auditing dan Keuangan MBIA Jurnal Akademi Akuntansi (JAA) Jurnal Bakti Masyarakat Indonesia Journal of Innovation and Community Engagement Jurnal Inovasi Penelitian dan Pengabdian Masyarakat Journal of International Conference Proceedings Jurnal Ilmiah Akuntansi dan Keuangan
Utami, Novia
Fakultas Ekonomi Dan Bisnis, Universitas Katolik Indonesia Atma Jaya
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PENGARUH RISIKO LIKUIDITAS DAN LEVERAGE TERHADAP KINERJA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2010--2015 Utami, Novia
BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Vol 15 No 2 (2018): Jurnal Akuntansi, Auditing dan Keuangan: BALANCE
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.859 KB)

Abstract

This empirical study aims for examining the influence of liquidity risk on bank performance from the period 2010 to 2015 listed on Indonesia Stock Exchange. The measurement of liquidity risk will involve deposits or third-party fund, cash, and liquidity gap whereas the leverage will involve total debts to total assets as the independent variables. Meanwhile, the dependent variables of this study involve ROA and Tobin’s Q. This study was conducted under the purposive sampling method which involved 22 banks as samples. This study also used a panel data regression method and three testing models, including Common Effect Model, Fixed Effect Model, and Random Effect Model. The findings suggest a positive and significant influence of the third-party fund on ROA and Tobin’s Q. In contrast, the liquidity gap has a negative and significant influence on ROA and Tobin’s Q. Besides, the findings also suggest a positive and significant influence of cash on ROA and negatively significant on Tobin’s Q. The leverage has negative and significant influence on ROA and positively significant on Tobin’s Q.
PENGARUH RISIKO LIKUIDITAS DAN LEVERAGE TERHADAP KINERJA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2010--2015 Utami, Novia
BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Vol 15 No 2 (2018): Jurnal Akuntansi, Auditing dan Keuangan: BALANCE
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.859 KB) | DOI: 10.25170/balance.v15i2.82

Abstract

This empirical study aims for examining the influence of liquidity risk on bank performance from the period 2010 to 2015 listed on Indonesia Stock Exchange. The measurement of liquidity risk will involve deposits or third-party fund, cash, and liquidity gap whereas the leverage will involve total debts to total assets as the independent variables. Meanwhile, the dependent variables of this study involve ROA and Tobin’s Q. This study was conducted under the purposive sampling method which involved 22 banks as samples. This study also used a panel data regression method and three testing models, including Common Effect Model, Fixed Effect Model, and Random Effect Model. The findings suggest a positive and significant influence of the third-party fund on ROA and Tobin’s Q. In contrast, the liquidity gap has a negative and significant influence on ROA and Tobin’s Q. Besides, the findings also suggest a positive and significant influence of cash on ROA and negatively significant on Tobin’s Q. The leverage has negative and significant influence on ROA and positively significant on Tobin’s Q.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI STRUKTUR MODAL PERUSAHAAN CONSUMER GOODS DI BURSA EFEK INDONESIA PERIODE 2013-2017 PENGUJIAN PECKING ORDER THEORY Novia Utami
Prosiding Working Papers Series In Management Vol 10, No 2 (2018): Prosiding Working Papers Series In Management
Publisher : Prosiding Working Papers Series In Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.529 KB)

Abstract

This research focuses on the pecking order theory by taking a sample of 100 consumer goods companies listed on the Indonesia Stock Exchange with the observation year 2013 to 2017. The purpose of this study is to see if there is consistency of research, as well as the previous studies to answer the research gap of extended pecking order theory model to see the effects of internal funding deficit and the debt ratio to the addition of forming internal funding deficit (dividends payment, additional working capital, investment and net cash flow) for additional debt ratio that can be used as a factor affecting changes in capital structure. The final results in this study support the hypothesis that the entire internal funding deficit has a positive effect on additional debt ratio. Dividend payments, additional working capital and investment have a positive effect while the net cash flow has a negative effect on the addition of the debt ratio. So the company can be said to support the pecking order theory. Keywords: pecking order, capital structure, internal funding deficit, dividend payments, additional working capital, investment, net cash flow.
PENGARUH RISIKO LIKUIDITAS DAN LEVERAGE TERHADAP KINERJA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2010--2015 Novia Utami
BALANCE: Jurnal Akuntansi, Auditing dan Keuangan Vol 15 No 2 (2018): Jurnal Akuntansi, Auditing dan Keuangan: BALANCE
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.859 KB) | DOI: 10.25170/balance.v15i2.82

Abstract

This empirical study aims for examining the influence of liquidity risk on bank performance from the period 2010 to 2015 listed on Indonesia Stock Exchange. The measurement of liquidity risk will involve deposits or third-party fund, cash, and liquidity gap whereas the leverage will involve total debts to total assets as the independent variables. Meanwhile, the dependent variables of this study involve ROA and Tobin’s Q. This study was conducted under the purposive sampling method which involved 22 banks as samples. This study also used a panel data regression method and three testing models, including Common Effect Model, Fixed Effect Model, and Random Effect Model. The findings suggest a positive and significant influence of the third-party fund on ROA and Tobin’s Q. In contrast, the liquidity gap has a negative and significant influence on ROA and Tobin’s Q. Besides, the findings also suggest a positive and significant influence of cash on ROA and negatively significant on Tobin’s Q. The leverage has negative and significant influence on ROA and positively significant on Tobin’s Q.
The Analysis of Financial Literacy and Its Impact on Investment Decisions: A Study on Generation Z In Jakarta Novia Utami; Marsiana Luciana Sitanggang
Inovbiz: Jurnal Inovasi Bisnis Vol 9, No 1 (2021)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v9i1.1840

Abstract

The influence of digitalization has extended across industries including the financial sector. Numerous innovations for investment have been launched while financial information has now become easily accessible, raising potential for Generation Z (Gen Z) to make investment. This study aims to understand financial literacy and investment behavior of Gen Z in Jakarta, Indonesia. Data were collected using quantitative approach, particularly through adoption of online questionnaire and convenience sampling technique. The relationship between financial literacy and investment decisions was then analyzed using Structural Equation Model regression - Lisrel statistical software. Finally, it was found that financial literacy significantly influenced investment decisions of Gen Z in Jakarta.
Education about Learning Motivation, Time Management, and Pocket Money Management for Students of Strada Bhakti Utama Junior High School Ari Setiyaningrum; Lina Salim; Novia Utami
Journal of Innovation and Community Engagement Vol. 2 No. 2 (2021)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jice.v2i2.4087

Abstract

Covid-19 pandemic has raised several problems faced by students including declining motivation to learn, lack of time to do independent assignments, and reduced amount of pocket money given by parents. This community service (CS) was designed to assist students in overcoming these problems through online education and training activities to increase students’ learning motivation and increase literacy on time management and pocket money management. Partners in this CS activity were 53 students of Strada Bhakti Utama Junior High School. The method of implementing activities used are counselling, exercises, and questions and answers. The success rate of this CS program was measured from analysis of the pre-test and post-test results conducted before and after the activity as well as from assessment of students' accuracy in answering online quiz questions. Based on results of pre-test and post-test analysis, CS activities through education and training on learning motivation, time management, and pocket money management were proven to be able to increase students' understanding of the importance of managing pocket money, saving, managing time, motivation, and source of motivators in life. In addition, based on the results of online quiz assessments, most students could answer correctly the questions about the material presented.
EDUKASI LITERASI KEUANGAN Novia Utami; Siti Saadah; Marsiana Luciana Sitanggang; Teresia Angelia Kusumahadi
Jurnal Bakti Masyarakat Indonesia Vol 5, No 1 (2022): Jurnal Bakti Masyarakat Indonesia
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jbmi.v5i1.15269

Abstract

The program literacy education program aims to increase the knowledge, understanding, and access of the Indonesian people to financial institutions, products, and services. Based on the results of a survey conducted by the Financial Services Authority in 2019, the financial literacy index in Indonesia is still low and only reached 38,03%. The educational program that we organized online through the Zoom platform is intended to support the improvement of public financial literacy, especially the students of SMA Santo Yakobus. They are part of the millennial generation of potential investors who must be given knowledge and understanding about the characteristics, benefit, and risks of various investment instruments that continue to develop from time to time. Attention to the millennial generation is important because data shows that currently the millennial generation is starting to dominate investment activities in several important financial assets. Based on the results of of a descriptive analysis of the respondent’s data on training participants, although they are not yet financially independent, more than 95% of them stated that the training has opened their horizons regarding I have nvestment activity in financial assets. The average score of 3 in the post-test for aspects of financial knowledge, financial behavior, and financial attitude, confirms their statement. The more people who have good financial knowledge, the greater the role of the financial sector in financing the investment in the real sector.ABSTRAKProgram Edukasi Literasi Keuangan bertujuan untuk meningkatkan pengetahuan, pemahaman, dan akses masyarakat Indonesia terhadap lembaga, produk, dan layanan jasa keuangan. Berdasarkan hasil survei yang dilakukan oleh Otoritas Jasa Keuangan pada tahun 2019, indeks literasi keuangan di Indonesia masih rendah dan baru mencapai angka 38,03%. Program edukasi yang kami selenggarakan secara online melalui platform Zoom, dimaksudkan untuk mendukung peningkatan literasi keuangan masyarakat, khususnya siswa-siswi SMA Santo Yakobus. Mereka adalah bagian dari generasi milenial calon investor potensial yang harus diberikan pengetahuan dan pemahaman tentang karakteristik, manfaat, dan risiko dari berbagai instrumen investasi yang terus berkembang dari waktu ke waktu. Perhatian terhadap generasi milenial menjadi penting karena data yang ada menunjukkan bahwa saat ini generasi milenial mulai mendominasi aktivitas investasi pada beberapa aset keuangan penting.  Berdasarkan hasil analisis deskriptif terhadap data responden peserta pelatihan, walaupun mereka belum mandiri secara finansial namun ternyata lebih dari 95% dari mereka menyatakan bahwa pelatihan telah membuka wawasan mereka terkait seluk beluk berinvestasi pada financial asset. Rerata skor 3 pada saat post-test untuk aspek financial knowledge, financial behaviour, dan financial attitude menguatkan pernyataan mereka tersebut. Semakin banyak masyarakat yang memiliki pengetahuan keuangan yang baik, maka semakin besar peran sektor keuangan dalam pembiayaan aktivitas investasi di sektor rii
MENGGERAKKAN LITERASI BACA-TULIS DI RUSUNAWA MUARA BARU PLUIT Sri Hapsari Wijayanti; Novia Utami; Adji Pratikto; Hery Pramono
Jurnal Bakti Masyarakat Indonesia Vol 2, No 2 (2019): Jurnal Bakti Masyarakat Indonesia
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (806.198 KB) | DOI: 10.24912/jbmi.v2i2.7234

Abstract

Pemerintah telah menggulirkan Gerakan Literasi Nasional (GLN) sejak 2015. Salah satu sentra belajar di masyarakat yang mendukung GLN adalah pendirian Ceribel di Rusunawa Muara Baru, Pluit, Jakarta Utara. Tujuan kegiatan di Rusunawa Muara Baru ini adalah menggerakkan literasi baca-tulis melalui pelayanan kepada anak-anak untuk datang dan melakukan kegiatan positif dan kompetitif selama masa liburan sekolah.  Selain itu, anak-anak yang berkunjung juga dimintai umpan balik terhadap kegiatan yang telah dilakukan di Taman Ceribel untuk menindaklanjuti kegiatan literasi pada masa mendatang. Kegiatan dilakukan selama Juni-Juli 2019. Selama periode itu, Ceribel melayani pengunjung selama sepuluh hari. Metode yang digunakan dalam kegiatan ini adalah pelayanan dalam peminjaman buku dan pendampingan dalam menulis, membaca, dan menggambar dalam rangka mengikuti lomba literasi. Pengamatan langsung juga dilakukan terhadap aktivitas pengunjung di Ceribel.  Hasil kuesioner tentang umpan balik kegiatan disajikan dalam bentuk persentase yang ditabulasikan dan dideskripsikan. Semua responden, yang berjumlah delapan belas anak, mengakui merasakan manfaat dengan adanya Ceribel sebagai sumber belajar untuk menjadikan mereka pintar. Mereka berharap Ceribel dapat membantu mereka dalam belajar membaca dan bimbingan belajar. Waktu buka pelayanan operasional Ceribel menurut responden sebaiknya setiap hari. Mereka mengakui akan datang kembali ke Ceribel dengan mengajak teman. Disimpulkan bahwa Ceribel telah menarik perhatian anak-anak Rusunawa Muara Baru sebagai tempat bermain, belajar, dan bersosialisasi. Untuk itu, kegiatan literasi ini harus berkesinambungan agar tumbuh minat dan budaya membaca di masyarakat. Disarankan agar Ceribel memiliki sukarelawan dari warga rusun sendiri yang dapat melayani dan mengembangkan Ceribel.
ANALYSIS OF THE INFLUENCES OF DIVIDEND PAYOUT RATIO, RETURN ON EQUITY, GROWTH AND FIRM SIZE ON STOCK VALUE WITH LEVERAGE AS MEDIATING VARIABLE Novia Utami
Jurnal Akademi Akuntansi Vol. 3 No. 1 (2020): Jurnal Akademi Akuntansi (JAA)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jaa.v3i1.11501

Abstract

This study aims to examine the internal factors that influence the value of a company's shares mediated by the leverage. The sample of this research is the firms listed in the Indonesia Stock Exchange (IDX) during the period 2017 - 2019. Data collected with the purposive method and obtained 102 companies in the year observed. This study uses multiple regression analysis and regression analysis with interaction. Based on the results of multiple regression analyses, this study found that return on equity and total assets influence the value of shares with positive direction, while debt to equity, dividend payout ratio and growth sales do not affect share value. While based on the results regression analysis with interactions, this study found that leverage strengthens the effect of dividend payout ratio and sales growth on share value, and weaken the impact of return on equity and total assets on share value.
The Effect of Fintech Implementation on The Performance of SMEs Novia Utami; Marsiana Luciana Sitanggang
Journal of International Conference Proceedings Vol 4, No 3 (2021): 2021 WIMAYA International Conference of Economics and Business
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v4i3.1342

Abstract

The emergence of FinTech has now made the unstoppable growth of technology in this digital era complete. Defined as technology-based financial services, FinTech allows transactions to be processed anywhere and anytime. It has provided small and medium enterprises (SMEs) with advantages, from provision of capital funding to ease of transactions that supports growth in SMEs. This study aims to identify how FinTech adoption and financial literacy affect Indonesian SMEs’ performance. Online questionnaires were distributed among respondents—100 business owners—selected using convenience sampling technique, and data were then analyzed using OLS regression. It was later found that FinTech adoption positively and significantly influences SMEs’ performance. Financial literacy, at the same time, strengthen the association between FinTech adoption and SMEs’ performance.
Co-Authors Adji Pratikto Ari Setiyaningrum Hery Pramono Marsiana Luciana Sitanggang Marsiana Luciana Sitanggang Salim, Lina Selvi Arifin Siti Saadah Sri Hapsari Wijayanti Teresia Angelia Kusumahadi Thia Margeretha Tarigan