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DANA DARURAT DI MASA PANDEMI COVID-19 Kumajas, Lydia Ivana; Wuryaningrat, Nikolas Fajar
Modus Journals Vol 33, No 1 (2021): MODUS
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v33i1.4061

ABSTRACTIn financial management, the main issue in financial planning is estimating future cash flows, because it is influenced by various risks. One way to reduce risk is by placing an emergency fund. During the Covid-19 pandemic, the importance of financial planning was seen by placing an emergency fund when individuals, families, and companies experienced economic problems due to the Covid-19 pandemic. This study aims to describe the communitiesâ€™ awareness and knowledge and their readiness to face â€˜rainy dayâ€™ by preparing financial umbrella or emergency fund, and whether the greater the income, the greater the umbrella allocated as stated in Keynes's theory. Descriptive research methods are used to get this picture. Online survey with Survey Monkey application was conducted on a small portion of the community in various regions in Indonesia. The results of this study showed that 91 community members were aware of emergency fund, although not all of them prepared it. The interesting finding is that high-income respondents were not of the group which allocated bigger emergency fund. Hence, this could not give fit descriptions with Keynes Theory.Â Â Â Â Â Â Â Keywords: Pandemic of Covid-19; rainy day; Keynes theory; emergency fundÂ ABSTRAKDalam manajemen keuangan, kesulitan utama dalam membuat perencanaan adalah mengestimasi arus kas di masa depan, karena dipengaruhi oleh berbagai risiko. Salah satu cara untuk mengurangi risiko adalah membuat perencanaan keuangan dengan menempatkan dana darurat. Di masa pandemi Covid-19 ini terlihat pentingnya perencanaan keuangan dengan menempatkan dana darurat atau ketika individu/perusahaan mengalami masalah ekonomi akibat pandemi Covid-19. Penelitian ini bertujuan mendapatkan gambaran kesadaran dan pengetahuan masyarakat dan kesiapannya menghadapi keadaan sulit â€˜rainy dayâ€™ dengan menyiapkan dana darurat sebagai payung keuangan, dan apakah semakin besar penghasilan maka akan semakin besar dana darurat yang dialokasikan seperti yang dikemukakan dalam teori Keynes. Metode penelitian deskriptif digunakan untuk mendapatkan gambaran tersebut. Survei online dengan aplikasi Survey Monkey dilakukan pada sebagian kecil masyarakat di berbagai daerah di Indonesia. Hasil penelitian dari 91 responden sebagian besar sudah mengetahui mengenai dana darurat, akan tetapi walaupun mengetahui pentingnya dana darurat tidak semua sudah menyediakan dana tersebut. Menariknya, responden pada kelompok penghasilan tertinggi bukanlah kelompok yang mengalokasikan dana darurat paling besar. Dengan demikian, tidak terlalu memberikan gambaran yang sesuai dengan teori Keynes.Kata kunci: Pandemi Covid-19; risiko; teori Keynes; dana darurat

PENERAPAN CORPORATE GOVERNANCE UNTUK KEPUTUSAN PENDANAAN PADA PERUSAHAAN MULTINASIONAL DAN NON MULTINASIONAL Lydia I Kumajas
Tasharruf: Journal Economics and Business of Islam Vol 1, No 2 (2016): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v1i2.385

Abstract The purpose of this research was to compare the implementation of the corporate governance. The comparison are between the companies which the controlling shareholders is a multinational company (group one) and non multinational company (group two), whether in the period before the economic crisis and the period during the economic crisis. Corporate governance is measured by perspective corporate financing decision (DER as a proxy). This research uses samples in a manufacturing company which listed on the Indonesian Stock Exchange. The number of samples is 52 companies, which are divided into 30 companies as a group one and 22 companies in a group two. Observation period was 2006 to 2007 as the period before the crisis and 2008 as a period during the crisis. The result of this research indicated companies in group one had a lower DER than firms in group two in period of crisis. In other word group one has better implementation of corporate governance than group two.

DANA DARURAT DI MASA PANDEMI COVID-19 Lydia Ivana Kumajas; Nikolas Fajar Wuryaningrat
Modus Vol. 33 No. 1 (2021): MODUS
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v33i1.4061

ABSTRACTIn financial management, the main issue in financial planning is estimating future cash flows, because it is influenced by various risks. One way to reduce risk is by placing an emergency fund. During the Covid-19 pandemic, the importance of financial planning was seen by placing an emergency fund when individuals, families, and companies experienced economic problems due to the Covid-19 pandemic. This study aims to describe the communities’ awareness and knowledge and their readiness to face ‘rainy day’ by preparing financial umbrella or emergency fund, and whether the greater the income, the greater the umbrella allocated as stated in Keynes's theory. Descriptive research methods are used to get this picture. Online survey with Survey Monkey application was conducted on a small portion of the community in various regions in Indonesia. The results of this study showed that 91 community members were aware of emergency fund, although not all of them prepared it. The interesting finding is that high-income respondents were not of the group which allocated bigger emergency fund. Hence, this could not give fit descriptions with Keynes Theory. Keywords: Pandemic of Covid-19; rainy day; Keynes theory; emergency fund ABSTRAKDalam manajemen keuangan, kesulitan utama dalam membuat perencanaan adalah mengestimasi arus kas di masa depan, karena dipengaruhi oleh berbagai risiko. Salah satu cara untuk mengurangi risiko adalah membuat perencanaan keuangan dengan menempatkan dana darurat. Di masa pandemi Covid-19 ini terlihat pentingnya perencanaan keuangan dengan menempatkan dana darurat atau ketika individu/perusahaan mengalami masalah ekonomi akibat pandemi Covid-19. Penelitian ini bertujuan mendapatkan gambaran kesadaran dan pengetahuan masyarakat dan kesiapannya menghadapi keadaan sulit ‘rainy day’ dengan menyiapkan dana darurat sebagai payung keuangan, dan apakah semakin besar penghasilan maka akan semakin besar dana darurat yang dialokasikan seperti yang dikemukakan dalam teori Keynes. Metode penelitian deskriptif digunakan untuk mendapatkan gambaran tersebut. Survei online dengan aplikasi Survey Monkey dilakukan pada sebagian kecil masyarakat di berbagai daerah di Indonesia. Hasil penelitian dari 91 responden sebagian besar sudah mengetahui mengenai dana darurat, akan tetapi walaupun mengetahui pentingnya dana darurat tidak semua sudah menyediakan dana tersebut. Menariknya, responden pada kelompok penghasilan tertinggi bukanlah kelompok yang mengalokasikan dana darurat paling besar. Dengan demikian, tidak terlalu memberikan gambaran yang sesuai dengan teori Keynes.Kata kunci: Pandemi Covid-19; risiko; teori Keynes; dana darurat

Persepsi Sosial Masyarakat Sulawesi Utara Di Saat Pandemi Covid-19 Nikolas F. Wuryaningrat; Aditya Pandowo; Lydia I. Kumajas
INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia Vol. 4 No. 1 (2020): INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia - Edisi Desember 2020
Publisher : Forum Inovasi Bisnis dan Manajemen

Tujuan penelitian ini untuk mengeksplorasi persepsi masyarakat atas pandemic Covid-19 dan dampak yang terjadi. Fenomena panic buying dan consumer hoarding turut dielaborasi sebagai titik akhir pandemic Covid-19. Sebanyak 220 responden dijadikan obyek penelitian dengan teknik pengambilan sampel menggunakan metode convenience sampling. Kuesioner disebarkan secara daring dengan menggunakan aplikasi survey monkey kepada calon responden diseluruh propinsi Sulawesi Utara. Hasil penelitian dari 220 respondenmenunjukkan kecemasan dan kekhawatiran akan ketidakpastian merupakan penyebab terjadinya fenomena panic buying dan consumer hoarding. Meski demikian, responden tetap optimis dapat melanjutkan aktivitas rutin pada saat pandemic Covid-19 berakhir karena tingginya kepercayaan kepada pemerintah, baik pusat maupun daerah. Selain itu, pandemic Covid-19 memberikan efek positif (peduli dengan kesehatan) dan negative terhentinya aktivitas luar rumah di masyarakat.

Profitability in The Automotive and Component Industry Lydia I. Kumajas; Nikolas F. Wuryaningrat; Herningsih S. Lembong
Asia Pacific Journal of Management and Education(APJME) Vol 4, No 3 (2021): Asia Pacific Journal of Management and Education (APJME)
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v4i3.1273

The Covid 19 pandemic caused a slowdown in economic growth, which resulted in decreased production and sales of several industrial sectors. The automotive and components sectors faced the same condition, which impacted their production and sales. Paired sample t-test data analysis choose to analyses tend to measure the effect of Profitability during the pandemic and before the pandemic. The result of this study shows that even the automotive industry predicts having contraction on their Profitability at the pandemic period. However, the decline in sales and production is not always followed by a decline in financial performance, especially Profitability, due to financial management policies and efficiency factors. Hence, he automotive and components sub-sector in this study showed no significant difference in Profitability before the Covid 19 pandemic and during covid 19.

Persepsi Sosial Generasi Milenial di Saat Penerapan Adaptasi Kebiasaan Baru di Sulawesi Utara Nikolas Fajar Wuryaningrat; Deitje Adolfien Katuuk; Lydia Ivana Kumajas; Ignatius Javier Couturier Tuerah
Society Vol 9 No 2 (2021): Society
Publisher : Laboratorium Rekayasa Sosial FISIP Universitas Bangka Belitung

In the current era of adapting new habits (abbreviated as Adaptasi Kebiasaan Baru or AKB), it is an opportunity for the millennial generation to get out of their ‘cage’ and do activities outside the home. This study aims to describe the perception of the millennial generation on the application of adopting new habits during the COVID-19 pandemic. This research was conducted using a survey research method with descriptive analysis techniques to obtain this description. In this research, millennials are represented by state university students in North Sulawesi Province. The sample of this study was 400 active student respondents. The data was collected through research instruments sent online with the Google Forms application. The study results indicate that millennials are worried when implementing new habit adaptations when they are active outside the home. The research results also show that the first thing they want to do is go to a house of worship. Millennials in North Sulawesi also perceive an excellent level of trust in local and central governments in dealing with the COVID-19 pandemic. It can be concluded that millennials in North Sulawesi are optimistic about their future sustainability.

PENGARUH INFLASI, BI RATE, DAN NILATUKAR RUPIAH-DOLLAR AMERIKA TERHADAP HARGA SAHAM PT. KRAKATAU STEEL (Persero) Tbk. DI BURSA EFEK INDONESIA PERIODE 2011 -2018 Moses Noele; Alzefin Sinolungan; Lydia Kumajas
Manajemen dan Kewirausahaan Vol. 1 No. 2 (2020): Manajemen dan Kewirausahaan
Publisher : Manajemen FE Unima

Telaah ini ditujukan agar dapat menguji pengaruh inflasi tingkat suku bunga bank dan nilai tukar Rupiah-Dollar Amerika terhadap harga saham PT. Krakatau Steel di Bursa Efek Indonesia Periode 2015-2018. Teknik analisis yang digunakan adalah regresi linier berganda, sementara uji hipotesis menggunakan uji-t serta uji-F dengan tingkat signifikansi 5%. Pengujian asumsi klasik yang digunakan dalam penelitian ini meliputi uji normalitas, multikolinearitas, autokorelasi dan heteroskedastisitas. Hasil penelitian menunjukan bahwa, secara sendiri sendiri. Inflasi dan nlai tukar memiliki hubungan negatif terhadap harga saham PT. Krakatau Steel (persero) Tbk, sedangkan BI Rate tidak berpengaruh terhadap harga saham PT. Krakatau Steel (persero) Tbk. Secara bersaman inflasi, BI Rate serta Kurs terdapat hubungan yang negative dan signifikan terhadap harga saham PT. Krakatau Steel (persero) Tbk.

Market Reaction on The Announcement of SRI-KEHATI and FTSE4GBM Indices Lydia Ivana Kumajas; Sri Murni; Maryam Mangantar; Ivonne Stanley Saerang; Joy Elly Tulung
International Journal of Applied Business and International Management (IJABIM) Vol 7, No 2 (2022): IJABIM VOL. 7 NO. 2
Publisher : AIBPM Publisher

This study aims to determine the market reaction to the announcement of additional shares on the SRI-KEHATI and FTSE4Good (F4GBM) Index during the Covid 19 2020 and 2021 periods. The indicator of market reaction is observed through Trading Volume Activity (TVA). The results show that there is a significant TVA around the announcement date on both observed indices, this study uses an event study

Profitability in The Automotive and Component Industry Lydia I. Kumajas; Nikolas F. Wuryaningrat; Herningsih S. Lembong
Asia Pacific Journal of Management and Education (APJME) Vol 4, No 3 (2021): Asia Pacific Journal of Management and Education (APJME)
Publisher : AIBPM Publisher

The Covid 19 pandemic caused a slowdown in economic growth, which resulted in decreased production and sales of several industrial sectors. The automotive and components sectors faced the same condition, which impacted their production and sales. Paired sample t-test data analysis choose to analyses tend to measure the effect of Profitability during the pandemic and before the pandemic. The result of this study shows that even the automotive industry predicts having contraction on their Profitability at the pandemic period. However, the decline in sales and production is not always followed by a decline in financial performance, especially Profitability, due to financial management policies and efficiency factors. Hence, he automotive and components sub-sector in this study showed no significant difference in Profitability before the Covid 19 pandemic and during covid 19.

Tax and Poverty in Indonesia Lydia Ivana Kumajas; Steven Tumbelaka; Merry L. Kumajas
Journal of International Conference Proceedings (JICP) Vol 1, No 2 (2018): Proceedings of the 2nd International Conference of Project Management (ICPM) Gor
Publisher : AIBPM Publisher

Tax is one of the financial resources, taxes were expected to have a positive impact on reducing poverty. It is assumed poverty will be reduced through improved health and education. The Indonesian government tried to increase its revenues through taxes. Various regulations were made even at the same time various cases were found which reduced public trust in tax utilization. Government efforts were proved successful in increasing the state revenues from the tax sector. Visible from the increase in realization of tax revenues from 2007 to 2016, the tax income was expected to be followed by an increased public trust of tax utilization. In turn, increasing tax income is expected to improve welfare. The welfare of Indonesian population, can be seen from several indicators of social issue and population density in poverty, education and health. Government assistance through various health and education funds both cash money and non-cash could have an impact on the declining number of poor people in Indonesia. The aim of this study, were to obtain observed data of positive effect tax income on reducing of the number of poverties, through improving education and health. This research was expected provide an overview of the benefits of public compliance in paying taxes, and as the result of evaluating the use of tax in an effort to reduce the number of poor people in Indonesia. The observation data used 2018 Indonesia Statistical Bureau (BPS) report. The result of this study showed, in 2016 there were decreasing poverty number on 21 Province compared with 2015 data. On the other hand, in 2017 compared with 2016, there were 14 Province experienced the increasing number on poverty. The conclusion of the result, which even the amount of tax revenue increased it does not mean the number of poverties will be reduce. The result gave the opportunity to the other research to find out behind the reason the phenomenon occurs. Keyword: Tax, poverty, education, welfare, public trust

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