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All Journal Jurnal Media Informasi Manajemen Jurnal Ekonomi Bisnis Manajemen Prima Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Proceeding International Seminar of Islamic Studies
Isfenti Sadalia
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Religion Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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ANALISIS PERSONAL FINANCIAL LITERACY DAN FINANCIAL BEHAVIOR MAHASISWA STRATA I FAKULTAS EKONOMI UNIVERSITAS SUMATERA UTARA Darman Nababan; isfenti sadalia
Jurnal Media Informasi Manajemen Vol 1, No 1 (2013)
Publisher : Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (351.681 KB)

Abstract

Abstract This study aims to examined personal financial literacy and financial behavior; financial literacy based on the personal characteristics of students, and impact of the financial literacy on financial behavior of undergraduate students of Faculty of Economics, University of Sumatera Utara class rank 2008 through 2011 who still active by June 2011. Financial literacy was measured using 27 multiple-choice questions and a score calculated based on the percentage of the correct answers. Financial literacy and then analyzed based on the characteristics of the respondents consisting of gender, majors, class rank, GPA, and residence (living with parents or living alone / boarding), the level of parental education, and parental income. Financial literacy is also grouped into relatively high and relatively low based on the median to analyze the financial behavior of respondents in each group. The analitical method used is a descriptive statistical analysis. The data used are the primary data obtained from a survey of 97 respondents. The finding indicates that those who are male students, Economic Development major, student of 2008 and 2009, GPA ≥ 3.00, and student who live alone at boarding house,  has a higher financial literacy. Meanwhile, female students, Management majors, lower class rank, GPA <3.00, and live at home with parents have lower financial literacy. Overall mean of correct answer of the survey is about 56.61%, so it can be concluded that the respondents had low levels of financial literacy, in addition, the tendency of respondents practicing expected financial behavior  did not increase as expected consistently along with the increase of financial literacy.   Keywords: Personal Financial Literacy, Financial Behavior, College Student
THE ANALYSIS ON CANONICAL CORRELATION OF GLOBAL INDEX AND MACRO ECONOMY WITH INDONESIAN CAPITAL MARKET Afriza Amir; Isfenti Sadalia; Khaira Amalia Fachruddin
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 1 No. 2 (2020): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (615.808 KB) | DOI: 10.34012/jebim.v1i2.523

Abstract

Capital market is one of the media which gives the opportunity for individual and insttutional investors to invest. The Indonesia Stock Exchange and Indonesian capital market has 11 types of stock priced index which as continously spread through printed and electronic mass media, as one of the guidelines for investor to invest in capital market. The development of indonesian capital market (LQ45 Index and IHSG Index) is closely related to global index and macro economy. The objective of the reseach was to examine the canonical correlation of global index (Dow Jones Index and EIDO Index) and macro economy (Rupiah Exchange Rate and SBI interest rate) with indonesian capital market (LQ45 Index and IHSG Index). The sample were limited to the period of 2011-2013 (36 months).The data were analyzed by using canonical correlation at the significant level of 5%. The result of the research showed that global index (Dow Jones Index and E10) and macro economy (rupiah exchange rate and SBI interest rate) had significant correlation with indonesian capital market (LQ45 and IHSG), with canonical coefficients perfect weight for L045 (1.00) and almost perfect for JCI (0.98). This means that the Dow Jones. EIDO exchange rate, interest rate SBI has a significant positive relationship towards LQ45 Index and IHSG Index are listed on the Indonesia Stock Exchange in the period 2011 to 2013 Individually Dow Jones (0.67), EIDO (0.54) and Exchange Rate (0.37) has a positive relationship with the capital market indices Indonesia (L045 Index and IHSG Index), which means when the Dow Jones. EIDO, and Rupiah Exchange high, then LQ45 and IHSG will be high, or vice versa when the Dow Jones, EIDO, and Exchange Rate is low, then the Index will be lower LQ45 and IHSG. Instead SBI rate (-0.29) had a negative correlation with stock market indices Indonesia (LQ45 Index and IHSG Index), which means if the SBI interest rate is high, then LQ45 and IHSG will be low, or vice versa when the Indonesian interest rate is low, then LQ45 and IHSG will be high
Literature Review ESG and Sustainability Finance Dina Hastalona; Isfenti Sadalia
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2122

Abstract

Nowadays, the corporate performance is not only measured by financial ratio, the company’s contribution to environmental sustainability, the welfare of the surrounding community is currently part of the corporate’ performance. It can be said to be successful if it consider economic, environmental and social aspect. This literature review describes several studies related to socially responsible investment. The result show that the application of CSR or ESG practices has an effect on the sustainability of the company’s business, and many researchers measure it by firm value. There is also a contradiction between the influence of ESG on the sustainability of the corporate’s business, and it turns out that what affects it is the time frame. The application of CSR practices ESG disclosure have a positive effect on the long term business performance and not the short term’s corporate performance.
READINESS TO CHANGE AND INNOVATIVE BEHAVIOR AS A DRIVEN OF SUSTAINABLE INNOVATION IN THE RURAL BANK AND SHARIA RURAL BANK INDUSTRY Muhammad Ras Muis; Prihatin Lumbanraja; Isfenti Sadalia; Yeni Absah
Proceeding International Seminar of Islamic Studies INSIS 3 (February 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

The success of innovation in the rural bank and shariah rural bank industry lies in the quality of human resources. Employees' abilities related to readiness to change and innovative behavior affect team innovation. The rapidly changing times must be anticipated by the Management and Employees of rural bank and shariah rural bank with quality innovations. The concept of team innovation will provide views and guidance for employees to be able to improve the competitiveness and existence of rural bank and shariah rural bank, now and in the future.Keywords: readiness to change, innovative behavior, synergizing teamwork and team innovation.
Co-Authors Amir, Afriza Darman Nababan Dina Hastalona Khaira Amalia Fachruddin Muhammad Ras Muis Prihatin Lumbanraja yeni absah