Articles
<![CDATA[Determinants of Customer Preference to Save in Islamic Bank ]]>
<![CDATA[Afriani, Tia]]>;
<![CDATA[Asandimitra, Nadia]]>
<![CDATA[ al-Uqud : Journal of Islamic Economics Vol 4, No 1 (2020): January ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/al-uqud.v4n1.p1-17
<![CDATA[The widespread use of sharia products and instruments encourages society to save funds in sharia banks. The main purpose of this research is to test the effect of financial literacy, profit sharing, knowledge of customers, gender, age, education, income to saving decisions. The type of research is quantitative research by using a non-probability sampling method with snowball sampling and purposive sampling technique to get a sample of 230 respondents. The object of this research was sharia bank's customers in Surabaya. The data obtained by spreading the questionnaire online and offline contains 41 items of statement and question. The data analysis technique is multiple linear regression that calculated by software package used for the analysis of statistical data. The result found that financial literacy’s of customer has medium effect about 72.1% to their saving decision. The higher level of customer’s financial literacy increases their ability to manage finance and saving. Meanwhile, profit-sharing has an effect to saving decision, as the higher level of profit sharing will raise society’s interest for saving in sharia bank. Otherwise, customer knowledge and demographic factors (gender, age, education and income) have no effect to their saving decision.  ]]>
<![CDATA[ANALISIS FAKTOR YANG MEMENGARUHI KEPUTUSAN INVESTASI (STUDI PADA MAHASISWI DI SURABAYA) ]]>
<![CDATA[Fridana, Ifanda Ogix]]>;
<![CDATA[Asandimitra, Nadia]]>
<![CDATA[ Jurnal Muara Ilmu Ekonomi dan Bisnis Vol 4, No 2 (2020): Jurnal Muara Ilmu Ekonomi dan Bisnis ]]>
Publisher : <![CDATA[Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara ]]>
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DOI: 10.24912/jmieb.v4i2.8729
<![CDATA[Investasi adalah kegiatan investasi aset untuk mendapatkan keuntungan dalam jangka waktu tertentu. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi keputusan investasi. Penelitian ini menggunakan jenis penelitian kuantitatif dengan jumlah sampel 230 responden dengan menggunakan metode analisis Structural Equation Model (SEM). Objek penelitian ini adalah mahasiswi di Surabaya yang memiliki galeri investasi di kampusnya. Studi ini berfokus pada jenis kelamin perempuan karena dalam empat tahun terakhir investor perempuan mengalami peningkatan yang signifikan dibandingkan dengan investor laki-laki, padahal tingkat pengetahuan keuangan perempuan lebih rendah dibandingkan laki-laki. Hasil penelitian ini menunjukkan bahwa literasi keuangan, overconfidence, herding, toleransi risiko dan persepsi risiko berpengaruh positif terhadap keputusan investasi. Hasil penelitian ini dapat membantu Galeri Investasi sebagai lembaga untuk sering melakukan sosialisasi seperti pemahaman finansial, manfaat berinvestasi, cara mengantisipasi risiko untuk berinvestasi sehingga pemahaman tentang investasi dapat menyeluruh dan dapat menarik calon investor baru nantinya. Investment is an asset investment activity to get a profit within a certain period. This study aims to analyze the factors that influence investment decisions. This study uses quantitative research with a sample of 230 respondents using the analysis method of Structural Equation Model (SEM). The object of this research is female students in Surabaya who have an investment gallery on their campus. This study focuses on the female gender because in the last four years female investors have experienced a significant increase compared to male investors, even though the level of financial knowledge of women is lower than that of men. The results of this study indicate that financial literacy, overconfidence, herding, risk tolerance and risk perception have a positive effect on investment decisions. The results of this research can help the Investment Gallery as an institution to conduct socialization frequently such as financial understanding, the benefits of investing, how to anticipate risks for investment so that an understanding of investment can be comprehensive and can attract new potential investors later.]]>
<![CDATA[Pengaruh Profitabilitas, Leverage, dan Kepemilikan Manajerial terhadap Kebijakan Dividen dengan Likuiditas sebagai Variabel Moderasi ]]>
<![CDATA[Cahyono, Gilang Indra]]>;
<![CDATA[Asandimitra, Nadia]]>
<![CDATA[ Jurnal Ilmu Manajemen Vol 9, No 3 (2021) ]]>
Publisher : <![CDATA[UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia) ]]>
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DOI: 10.26740/jim.v9n3.p%p
<![CDATA[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.]]>
<![CDATA[PELATIHAN PRODUK DAUR ULANG SAMPAH PLASTIK ]]>
<![CDATA[Nadia Asandimitra Haryono]]>;
<![CDATA[Nindria Untarini]]>
<![CDATA[ Dedication : Jurnal Pengabdian Masyarakat Vol 2 No 1 (2018) ]]>
Publisher : <![CDATA[LPPM IKIP Jember ]]>
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<![CDATA[Awareness of residents in Griya Taman Asri related to waste segregation isnot yet optimal. On average, each household produces more than 1 cubic of disposal per day with 60% organic waste and 40% inorganic waste and garbage disposal is still mixed between organic and non-organic waste. This condition indicates that there is less awareness of the residents in sorting both the waste. Therefore, how to sort waste into organic waste and inorganic waste is the main problem to be solved. The problem of separating organic and inorganic waste can be solved if the residents' behavior in the housing complex in dealing with waste changes. In order for residents in the housing complex to change, it is necessary to create something that will stimulate citizens to change; the attractiveness offered is the economic value of waste. Recycling plastic bag into plastic bag craftis actually a good attraction and if continued and managed as a business unit, the more the economic appeal so that later will also impact on the incomes of citizens. Methods of this activity by using training of plastic waste recycling products. Data collection techniques used observation, interviews, and questionnaires. The data collected were analyzed descriptively using percentage technique.]]>
<![CDATA[Determinants of Financial Management Behavior of Millennial Generation in Surabaya ]]>
<![CDATA[Aditya Yanuar Ramadhan]]>;
<![CDATA[Nadia Asandimitra]]>
<![CDATA[ Jurnal Minds: Manajemen Ide dan Inspirasi Vol 6 No 2 (2019): December ]]>
Publisher : <![CDATA[Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia ]]>
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DOI: 10.24252/minds.v6i2.9506
<![CDATA[The habit of millennial generations in Surabaya in conducting online shopping activities can influence their financial management behavior. This study aims to investigate the factors that can affect financial management behavior with a sample of 184 millennial generations in Surabaya using multiple linear regressions. The findings demonstrated that financial attitude, financial knowledge, and secondary agents had a positive effect on financial management behavior. Whereas locus of control, childhood consumer experience, and primary agent did not affect on financial management behavior. Millennial generations in Surabaya have financial attitudes and knowledge, while also supported by adequate digital and internet literation.]]>
<![CDATA[Implementasi Theory of Planned Behavior dan Risk Tolerance terhadap Intensi Investasi Peer to Peer Lending ]]>
<![CDATA[Siti Mauidhoh Syarfi]]>;
<![CDATA[Nadia Asandimitra]]>
<![CDATA[ Jurnal Ilmu Manajemen Vol 8 No 3 (2020) ]]>
Publisher : <![CDATA[UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia) ]]>
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DOI: 10.26740/jim.v8n3.p864-877
<![CDATA[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.]]>
<![CDATA[Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Commerce di Surabaya ]]>
<![CDATA[Moch. Sigit Prabowo]]>;
<![CDATA[Nadia Asandimitra]]>
<![CDATA[ Jurnal Ilmu Manajemen Vol 9 No 1 (2021) ]]>
Publisher : <![CDATA[UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia) ]]>
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DOI: 10.26740/jim.v9n1.p28-41
<![CDATA[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.]]>
<![CDATA[Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya ]]>
<![CDATA[Anglia Dinda Pramedi]]>;
<![CDATA[Nadia Asandimitra Haryono]]>
<![CDATA[ Jurnal Ilmu Manajemen Vol 9 No 2 (2021) ]]>
Publisher : <![CDATA[UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia) ]]>
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DOI: 10.26740/jim.v9n2.p572-586
<![CDATA[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.]]>
<![CDATA[Pengaruh Status Quo, Herding Behaviour, Representativeness Bias, Mental Accounting, serta Regret Aversion Bias terhadap Keputusan Investasi Investor Milenial di Kota Surabaya ]]>
<![CDATA[Syifa Aulia Mahadevi]]>;
<![CDATA[Nadia Asandimitra Haryono]]>
<![CDATA[ Jurnal Ilmu Manajemen Vol 9 No 2 (2021) ]]>
Publisher : <![CDATA[UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia) ]]>
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DOI: 10.26740/jim.v9n2.p779-793
<![CDATA[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]]>
<![CDATA[Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater ]]>
<![CDATA[Vicky Pradita Dewanti]]>;
<![CDATA[Nadia Asandimitra]]>
<![CDATA[ Jurnal Ilmu Manajemen Vol 9 No 3 (2021) ]]>
Publisher : <![CDATA[UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia) ]]>
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DOI: 10.26740/jim.v9n3.p863-875
<![CDATA[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.]]>
