Article Per Year (5 Year)
p-Index From 2021 - 2026
2.266
P-Index
This Author published in this journals
All Journal Jurnal Inovasi Bisnis (Inovbiz) Prosiding Working Papers Series In Management BALANCE: Jurnal Akuntansi, Auditing dan Keuangan MBIA Jurnal Akademi Akuntansi (JAA) Jurnal Bakti Masyarakat Indonesia TRANSAKSI Journal of International Conference Proceedings Jurnal Ilmiah Akuntansi dan Keuangan Journal of Innovation and Community Engagement
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

Published : 16 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 16 Documents
Search

 1   2 
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.
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 : Faculty of Smart Technology and Engineering, Universitas Kristen Maranatha, Bandung, Indonesia

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.
ANALISIS PENGARUH PERILAKU KEUANGAN INVESTOR TERHADAP KEPUTUSAN INVESTASI PADA UMKM MELALUI CROWDFUNDING: PERAN LITERASI KEUANGAN SEBAGAI VARIABEL MODERASI Marsiana Luciana Sitanggang; Novia Utami
TRANSAKSI Vol. 17 No. 2 (2025): TRANSAKSI
Publisher : Program Studi Administrasi Bisnis, FIABIKOM, Unika Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/transaksi.v17i2.7883

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perilaku keuangan investor terhadap keputusan investasi UMKM melalui platform crowdfunding, serta menguji peran literasi keuangan sebagai variabel moderasi. Latar belakang penelitian ini berangkat dari rendahnya partisipasi investor pada platform securities crowdfunding di Indonesia, meskipun UMKM membutuhkan akses pendanaan alternatif yang lebih fleksibel. Pendekatan kuantitatif digunakan dengan metode survei terhadap 120 responden yang merupakan investor aktif maupun calon investor pada platform crowdfunding UMKM. Pengolahan data dilakukan menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS) untuk menguji hubungan langsung maupun hubungan moderasi antar variabel. Hasil penelitian menunjukkan bahwa perilaku keuangan berpengaruh signifikan terhadap keputusan investasi pada UMKM melalui platform crowdfunding. Investor dengan sikap pengelolaan keuangan yang baik, preferensi risiko yang jelas, serta bias keuangan yang rendah cenderung membuat keputusan investasi yang lebih rasional. Selain itu, literasi keuangan terbukti signifikan memoderasi hubungan antara perilaku keuangan dan keputusan investasi, di mana tingkat literasi keuangan yang lebih tinggi memperkuat pengaruh positif perilaku keuangan terhadap keputusan investasi. Pemahaman finansial membantu investor mengurangi bias psikologis dan meningkatkan kualitas pengambilan keputusan investasi dalam ekosistem crowdfunding. Penelitian ini berkontribusi secara teoretis pada pengembangan literatur behavioral finance crowdfunding UMKM, serta memberikan implikasi praktis bagi penyedia platform dan pemangku kebijakan untuk meningkatkan edukasi keuangan dan strategi keterlibatan investor.
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