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Utami, Novia
Fakultas Ekonomi Dan Bisnis, Universitas Katolik Indonesia Atma Jaya
Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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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
Analysis of the Use of Financial Technology and Finan-cial Literacy among MSMEs Novia Utami
Inovbiz: Jurnal Inovasi Bisnis Vol 11, No 1 (2023)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v11i1.3104

Abstract

The massive effects of the Covid-19 pandemic and continuous technological innovations are not the only ones that change people’s lives; the world is now experiencing the emergence of FinTech. FinTech is technology-based financial services that allow financial transactions to be made easily, anywhere and anytime. FinTech has given MSMEs advantages, from capital financing to easy transaction processes to boost MSMEs’ growth. This research aims to see how adoption of FinTech and financial literacy affect the development of Indonesia’s MSMEs. Data were  using online questionnaires while samples were selected using convenience sampling technique with 125 business owners participating in this research. Data were then analyzed using OLS regression method. Results suggest that FinTech and financial literacy have a positive and significant influence on the development of MSMEs.
Analysis of the Use of Financial Technology and Financial Literacy Among MSMEs Novia Utami
MBIA Vol 22 No 1 (2023): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/mbia.v22i1.2217

Abstract

The massive effects of the Covid-19 pandemic and continuous technological innovations are not the only ones that change people's lives; the world is now experiencing the emergence of FinTech. FinTech is a technology-based financial service that allows financial transactions to be made quickly, anywhere, and anytime. FinTech has given MSMEs advantages, from capital financing to easy transaction processes to boost MSMEs' growth. This research aims to see how the adoption of FinTech and financial literacy affect the development of Indonesia's MSMEs. Data were used online questionnaires while samples were selected using a convenience sampling technique with 125 business owners participating in this research. Data were then analyzed using the OLS regression method. Results suggest that FinTech and financial literacy positively and significantly influence the development of MSMEs. Keywords: Financial Technology, Financial Literacy, MSME Abstrak Efek terjadinya pandemi Covid19 dan inovasi teknologi yang tidak terbatas pada era digital saat ini, semakin dilengkapi dengan hadirnya FinTech. FinTech adalah layanan keuangan dengan berbasis teknologi yang memberikan kemudahan dalam bertransaksi keuangan dimanapun dan kapanpun. FinTech menjadi keunggulan tersendiri bagi UMKM, baik dari segi pembiayaan permodalan maupun kemudahan bertransaksi untuk meningkatkan perkembangan UMKM. Penelitian ini bertujuan untuk mengetahui pemanfaatan Fintech dan literasi keuangan terhadap perkembangan UMKM di Indonesia. Data dalam penelitian ini diperoleh melalui kuesioner secara online dan pengambilan sampel menggunakan teknik convenience sampling. Dengan menggunakan 125 responden pemilik usaha dan metode regresi OLS, penulis menemukan bahwa Fintech dan literasi keuangan memiliki pengaruh positif signifikan terhadap perkembangan UMKM. Kata kunci: Financial Technology, Literasi Keuangan, UMKM
The Effects of Company Size, Business Diversification, and Investment Decision on Firm Value with Capital Structure as a Moderating Thia Margeretha Tarigan; Novia Utami; Selvi Arifin
Jurnal Ilmiah Akuntansi dan Keuangan Vol. 11 No. 2 (2022): Jurnal Ilmiah Akuntansi dan Keuangan: July - December 2022
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/jiak.v11i2.122

Abstract

This research aims at reviewing whether company size, business diversification, and investment decision affect firm value by using capital structure as a mediator. Samples were collected from a population (all manufacturing companies listed in Indonesia Stock Exchange within observation period of 2016-2020) using a purposive sampling method following specific criteria. Data were then analyzed using a quantitative approach and a multiple linear regression technique. Results show that company size and investment decision affect firm value positively and significantly. Meanwhile, business diversification negatively and significantly affects firm value. At the same time, capital structure variable makes the relationship between independent and dependent variables stronger.
Analysis of the Use of Financial Technology and Finan-cial Literacy among MSMEs Novia Utami
Inovbiz: Jurnal Inovasi Bisnis Vol 11, No 1 (2023)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v11i1.3104

Abstract

The massive effects of the Covid-19 pandemic and continuous technological innovations are not the only ones that change people’s lives; the world is now experiencing the emergence of FinTech. FinTech is technology-based financial services that allow financial transactions to be made easily, anywhere and anytime. FinTech has given MSMEs advantages, from capital financing to easy transaction processes to boost MSMEs’ growth. This research aims to see how adoption of FinTech and financial literacy affect the development of Indonesia’s MSMEs. Data were  using online questionnaires while samples were selected using convenience sampling technique with 125 business owners participating in this research. Data were then analyzed using OLS regression method. Results suggest that FinTech and financial literacy have a positive and significant influence on the development of MSMEs.
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