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Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater Dewanti, Vicky Pradita; Haryono, Nadia Asandimitra
Jurnal Ilmu Manajemen Vol 9, No 3 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v9n3.p%p

The research of this study investigates financial management behaviour among the user of the Paylater in Surabaya. It also analyzes the relationship between financial socialization, financial knowledge, financial experience, and locus of control as a mediating variable. This research is conclusive causality, used purposive sampling and snowball sampling techniques. The total number of respondents obtained was 234 respondents by distributing questionnaires online. Data analyzed using the Structural Equation Modeling (SEM) analysis technique in the AMOS software. The results show that financial knowledge significantly impacts financial management behaviour, while financial socialization, financial experience, and locus of control do not affect financial management behaviour. The mediation testing result shows that locus of control cannot mediate between financial knowledge and financial management behaviour. Because the sample dominant is the student and age range between 15 and 24, almost all of them still have income from their parents, so they can not manage financial independence to the greatest extent and do not have much experience related to finance. It was also caused by female respondents who often engage in impulsive buying. This study could be helpful to references for various parties, especially Paylater users, to be responsible for making financial decisions and wise in managing their finances.

Implementasi Theory of Planned Behavior dan Risk Tolerance terhadap Intensi Investasi Peer to Peer Lending Syarfi, Siti Mauidhoh; Asandimitra, Nadia
Jurnal Ilmu Manajemen Vol 8, No 3 (2020)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

The purpose of this study is to determine the effect of attitude toward behavior, subjective norm, perceived behavioral control, and risk tolerance on investment intention of Surabayanese in peer to peer lending. This study is conclusive causality research with quantitative research data using a purposive sampling method and a random sampling method to get samples. Data in this study obtained by a questionnaire with a Likert scale. The sample used in this study were 200 Surabayaâ€™s workforce. The analysis method used is multiple linear regression analysis using the SPSS program. The result is based on hypothesis testing that shows that attitude toward behavior and risk tolerance significantly influences investment intention. While the subjective norm and perceived behavioral control do not affect investment intention. It is because of the distribution respondents that dominated by young people that have age between 18-25 years. The respondents have a low belief in their social relations. It was also caused by respondents who have less information about fintech P2P lending which come up in Indonesia in 2016 and classified as a new type of investment.

Pengaruh Status Quo, Herding Behaviour, Representativeness Bias, Mental Accounting, serta Regret Aversion Bias terhadap Keputusan Investasi Investor Milenial di Kota Surabaya Mahadevi, Syifa Aulia; Haryono, Nadia Asandimitra
Jurnal Ilmu Manajemen Vol 9, No 2 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Investment activity in Indonesia steadily increases as more people become aware of the investment's value and potential returns. This study aims to determine the impact of status quo bias, herding behavior, representation, and mental accounting on the investment decisions of millennial investors in Surabaya. This study is conclusive because it used purposive and snowball sampling techniques to obtain samples by distributing online questionnairesâ€”the research sample as many as 241 respondents. The analysis technique uses Structural Equation Model (SEM). This study focuses on millennial investors registered with the Indonesian Central Securities Depository (KSEI) and securities firms in Surabaya. The findings suggest that the variables status quo and regret aversion significantly bias investment decisions, whereas herding behavior, representativeness, and mental accounting do not affect investment decisions. Thus, this study can assist various parties, particularly millennial investors, pay more attention to their biases and be more cautious when making investment decisions

Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Commerce di Surabaya Prabowo, Moch. Sigit; Asandimitra, Nadia
Jurnal Ilmu Manajemen Vol 9, No 1 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

The use of the internet has now become a necessity in everyday life. E-commerce is the sale, purchase, marketing of goods or services through electronic systems or the internet. This study aims to determine the effect of financial literacy and financial attitude on financial management behaviour as a mediator for e-commerce users in Surabaya. The type of data used in this study is quantitative data and uses primary data. The number of samples used was 218 respondents with criteria for e-commerce users included in the top 10 e-commerce that dominated the Indonesian online market, residing in the city of Surabaya, and aged 18 to 35 years. This study's data collection instrument was the distribution of questionnaires online. The data analysis technique in this research uses the Path Analysis technique of the Complex Model using AMOS version 23. The results of this study are that financial literacy influences financial management behaviour. Financial attitude does not affect financial management behaviour because based on age that is still not fully able to manage their finances very well. Financial literacy and financial management behaviour affect financial satisfaction. Financial attitude does not affect financial satisfaction because respondents still do not have their income or their income level is not too high. Financial management behaviour mediates financial literacy for financial satisfaction. Financial management behaviour does not mediate financial attitude towards financial satisfaction.

Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya Pramedi, Anglia Dinda; Haryono, Nadia Asandimitra
Jurnal Ilmu Manajemen Vol 9, No 2 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better.

Pengaruh Profitabilitas, Leverage, dan Kepemilikan Manajerial terhadap Kebijakan Dividen dengan Likuiditas sebagai Variabel Moderasi Cahyono, Gilang Indra; Asandimitra, Nadia
Jurnal Ilmu Manajemen Vol 9, No 3 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v9n3.p%p

The purpose of this study is to determine whether liquidity can be a moderating variable between the effect of profitability, leverage, and managerial ownership on dividend policy. The sample of this study consisted of 42 companies confirmed by the Indonesia Stock Exchange in property, real estate and building construction. The sampling technique used a census sample. The analysis technique uses Multiple Regression Analysis (MRA). The findings obtained are that there is no influence between profitability on dividend policy than dividend policy is influenced by leverage and managerial ownership. The relationship between profitability and managerial ownership on dividend policy fails to be moderated by liquidity. While liquidity Intervening variables strengthen the effect of profitability on dividend policy can be added to future research to account for variations in research results.

Implementasi Theory of Planned Behavior dan Risk Tolerance terhadap Intensi Investasi Peer to Peer Lending Siti Mauidhoh Syarfi; Nadia Asandimitra
Jurnal Ilmu Manajemen Vol 8 No 3 (2020)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

The purpose of this study is to determine the effect of attitude toward behavior, subjective norm, perceived behavioral control, and risk tolerance on investment intention of Surabayanese in peer to peer lending. This study is conclusive causality research with quantitative research data using a purposive sampling method and a random sampling method to get samples. Data in this study obtained by a questionnaire with a Likert scale. The sample used in this study were 200 Surabayas workforce. The analysis method used is multiple linear regression analysis using the SPSS program. The result is based on hypothesis testing that shows that attitude toward behavior and risk tolerance significantly influences investment intention. While the subjective norm and perceived behavioral control do not affect investment intention. It is because of the distribution respondents that dominated by young people that have age between 18-25 years. The respondents have a low belief in their social relations. It was also caused by respondents who have less information about fintech P2P lending which come up in Indonesia in 2016 and classified as a new type of investment.

Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Commerce di Surabaya Moch. Sigit Prabowo; Nadia Asandimitra
Jurnal Ilmu Manajemen Vol 9 No 1 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

The use of the internet has now become a necessity in everyday life. E-commerce is the sale, purchase, marketing of goods or services through electronic systems or the internet. This study aims to determine the effect of financial literacy and financial attitude on financial management behaviour as a mediator for e-commerce users in Surabaya. The type of data used in this study is quantitative data and uses primary data. The number of samples used was 218 respondents with criteria for e-commerce users included in the top 10 e-commerce that dominated the Indonesian online market, residing in the city of Surabaya, and aged 18 to 35 years. This study's data collection instrument was the distribution of questionnaires online. The data analysis technique in this research uses the Path Analysis technique of the Complex Model using AMOS version 23. The results of this study are that financial literacy influences financial management behaviour. Financial attitude does not affect financial management behaviour because based on age that is still not fully able to manage their finances very well. Financial literacy and financial management behaviour affect financial satisfaction. Financial attitude does not affect financial satisfaction because respondents still do not have their income or their income level is not too high. Financial management behaviour mediates financial literacy for financial satisfaction. Financial management behaviour does not mediate financial attitude towards financial satisfaction.

Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya Anglia Dinda Pramedi; Nadia Asandimitra Haryono
Jurnal Ilmu Manajemen Vol 9 No 2 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better.

Pengaruh Status Quo, Herding Behaviour, Representativeness Bias, Mental Accounting, serta Regret Aversion Bias terhadap Keputusan Investasi Investor Milenial di Kota Surabaya Syifa Aulia Mahadevi; Nadia Asandimitra Haryono
Jurnal Ilmu Manajemen Vol 9 No 2 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Investment activity in Indonesia steadily increases as more people become aware of the investment's value and potential returns. This study aims to determine the impact of status quo bias, herding behavior, representation, and mental accounting on the investment decisions of millennial investors in Surabaya. This study is conclusive because it used purposive and snowball sampling techniques to obtain samples by distributing online questionnaires”the research sample as many as 241 respondents. The analysis technique uses Structural Equation Model (SEM). This study focuses on millennial investors registered with the Indonesian Central Securities Depository (KSEI) and securities firms in Surabaya. The findings suggest that the variables status quo and regret aversion significantly bias investment decisions, whereas herding behavior, representativeness, and mental accounting do not affect investment decisions. Thus, this study can assist various parties, particularly millennial investors, pay more attention to their biases and be more cautious when making investment decisions

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