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Peran locus of control pada pengujian model perencanaan dana pensiun karyawan sektor swasta di Surabaya Ismawati Ismawati; Rr. Iramani
Journal of Business & Banking Vol 11, No 2 (2021): November 2021 - April 2022
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v11i2.2890

Abstract

This study investigates the factors affecting retirement planning by examining therelationship between financial literacy, locus of control, materialism, future orientation,and saving orientation. It used a questionnaire on 128 private sector employees inSurabaya and the data were analyzed using PLS. It was found that locus of control, future orientation, and saving orientation have an effect on retirement planning. Another one shows financial literacy has an insignificant positive effect on retirement planning and external locus of control mediating the effect of financial literacy on pension planningbehavior. Materialism has no effect on retirement planning. Future orientation has a positive effect on retirement planning and saving orientation is able to mediate the effect of future orientation on retirement planning. It can be implied that—if an individual has a better future orientation and saving orientation—the better the retirement plan he has;an individual who has high financial literacy must be accompanied by good self-controlin order to be able to plan his retirement wisely. It can be used for a useful reference for organizations to develop retirement planning in the context of a developed city such as Surabaya.
ANALISIS KINERJA KEUANGAN, SENSITIVITAS TERHADAP INFLASI DAN NILAI TUKAR SEBAGAI PREDIKTOR FINANCIAL DISTRESS Oktavia Kurniawati; Rr. Iramani
IDEI: Jurnal Ekonomi & Bisnis Vol 2, No 2 (2021): DECEMBER 2021
Publisher : Insan Doktor Ekonomi Indonesia (IDEI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38076/ideijeb.v2i2.73

Abstract

Identifying a financial distress condition is important because it can become an early warning system before the bankruptcy. The purpose of this research is to exa­mine and analyze the liquidity, leverage, activity, profitability, inflation sensi­ti­vity, and exchange rate sensitivity as predictor financial distress condition in manu­fac­tur­ing company listed in Indonesian Stock Exchange (ISE) in the year 2015 until 2019. Sampling technique used in the research is purposive sampling. The sample consist of 53 companies experiencing financial distress and a company not experiencing fi­nancial distress The data analysis technique is logistic regression The results of this research indicate that liquidity, leverage, profitability and activity can predict finan­cial distress in a negative direction. Inflation sensitivity and IDR/ USD exchange rate sensitivity cannot predict the occurrence of financial distress in a company. Mengidentifikasi kondisi financial distress sangat perlu dilakukan karena kon­disi tersebut adalah merupakan peringatan dini sebelum terjadinya kebangkrutan. Kondisi financial distress dapat diprediksi dengan menggunakan model yang telah dikem­bang­kan. Tujuan dari penelitian ini adalah untuk menguji dan menganalisis ki­nerja likuiditas, leverage, aktivitas, profitabilitas serta sensitivitas perusahaan ter­ha­dap inflasi dan nikai tukar sebagai prediktor financial distress pada perusahaan ma­nu­­faktur yang terdaftar di Bursa Efek Indonesia pada tahun 2015 sampai dengan 2019. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sam­pling. Sampel dalam penelitian ini meliputi 53 perusahaan yang mengalami financial dis­tress dan yang tidak mengalami financial distress. Analisis data yang digunakan ada­lah Logistic Regression. Hasil penelitian ini menunjukkan bahwa kinerja keu­ang­an yang meliputi kinerja likuiditas, leverage, aktivitas dan profitabilitas mampu mem­­pre­diksi kondisi financial distress, sementara sensitivitas perusahaan terhadap inflasi dan nilai tukar tidak mampu memprediksi kondisi financial distress perusa­ha­an.
KONTRIBUSI KINERJA KEUANGAN TERHADAP HARGA SAHAM PERUSAHAAN MANUFAKTUR DI INDONESIA Nastiti Wahyu Pristianti; Rr. Iramani
Jurnal Ilmu Manajemen Vol. 10 No. 3 (2022)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (271.488 KB) | DOI: 10.26740/jim.v10n3.p821-832

Abstract

This study aimed to analyze the effect of company growth, activity ratio, profitability ratio, and dividend policy on the stock price of manufacturing companies on the Indonesian Stock Exchange period 2014-2018. Independent variables used in the study are company growth, Total Asset Turnover (TATO), Return on Assets (ROA), and Dividend Payout Ratio (DPR), while the dependent variable is the stock price. Sampling techniques were selected by purposive sampling of 176 manufacturing companies, and 53 companies were chosen as a sample. The data analysis technique used is multiple regression analysis. The result showed that simultaneous company growth, TATO, ROA, and DPR affect the stock price. TATO and ROA have a significant effect on the stock price. In contrast, the company growth and DPR has no significant impact on the stock price. Investors who want to invest in shares must also pay attention to the level of ROA, as this study states that ROA has the most significant influence on stock prices.
STUDI FINANCIAL DISTRESS PADA PERUSAHAAN TRANSPORTASI & LOGISTIK DI INDONESIA : KONDISI PANDEMI BERDAMPAK-KAH? Ardhia Prameswari Regita Cahyani; Rr. Iramani
Jurnal Ilmu Manajemen Vol 10 No 4 (2022)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (380.312 KB) | DOI: 10.26740/jim.v10n4.p1073-1086

Abstract

The world was shocked by a case originating from Wuhan, China, in December 2019, which was identified as coronavirus disease (Covid-19). On January 30, 2020, WHO designated this virus as a Public Health Emergency of International Concern because the spread and increase in Covid-19 cases occurred very quickly and spread between countries, including Indonesia. The Government of Indonesia's efforts to suppress the spread and increase in the number of Covid-19 cases are to establish a policy of Large-Scale Social Restrictions (PSBB) to the Enforcement of Restrictions on Community Activities (PPKM). The crisis caused by the Covid-19 pandemic can cause companies to experience financial distress and lead to bankruptcy. This study examines the impact of pandemic conditions, liquidity, solvency, activity and profitability in predicting financial distress. The research sample uses purposive sampling with the criteria that the company publishes audited financial statements for 2018-2021 successively on the website www.idx.co.id. 26 transportation and logistics companies meet the criteria—the research analysis technique used logistic regression. There are 2 measurements of financial distress in this study. The first measurement uses the industry median, which shows the results of solvency, activity, and profitability can be used as predictors of financial distress with a predictive power of 65.4%. The second measurement uses the industry average, which shows the results of liquidity, solvency, activity, and profitability can be used as a predictor of financial distress with a predictive power of 78.2%.
Studi Pengelolaan Keuangan Masyarakat: Peran Literasi Dan Pengalaman Keuangan Serta Gaya Hidup Anggie Tri Wahyuni; Rr. Iramani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 5 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i5.1676

Abstract

Tujuan penelitian ini yaitu untuk menguji pengaruh literasi keuangan, gaya hidup, dan pengalaman keuangan terhadap pengelolaan keuangan. Metode pengambilan sampling menggunakan purposive sampling. Pengumpulan data menggunakan metode survei dengan penyebaran kuesioner secara online melalui Whatsapp dan Instagram. Dalam penelitian ini diperoleh 126 responden yang memenuhi kriteria dari 155 responden yang mengisi kuesioner. Pada penelitian ini menggunakan analisis statistik yaitu Structural Equation Modelling-Partial least square (SEM-PLS). Hasil dari penelitian ini menunjukkan bahwa literasi keuangan dan gaya hidup berpengaruh positif terhadap pengelolaan keuangan, sementara pengalaman keuangan tidak berpengaruh terhadap pengelolaan keuangan. Dari hasil penelitian diharapkan bagi masyarakat untuk meningkatkan pengetahuan keuangan mengenai asuransi dan dana pensiun khususnya serta mengurangi gaya hidup yang berlebihan agar dapat melakukan perencanaan keuangan dengan optimal.
Pengaruh Literasi Keuangan, Gaya Hidup, Dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Pada Generasi Milenial Dengan Pengendalian Diri Sebagai Variabel Mediasi Aisyah Nur Hidayah; Rr. Iramani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 5 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i5.1712

Abstract

Tujuan dari penelitian ini adalah untuk menguji pengaruh financial literacy, lifestyle, dan financial attitude terhadap financial management behavior dengan locus of control sebagai variabel mediasi. Jumlah responden dari penelitian ini yaitu sejumlah 235 responden yang memiliki kriteria usia minimal 22 tahun dan tinggal di Kota Surabaya dan Kabupaten Sidoarjo. Teknik yang digunakan untuk menganalisis data yaitu Partial Least Square Structural Equation Modelling (PLS-SEM) dengan  menggunakan bantuan program Smart-PLS 4. Hasil penelitian ini menunjukkan bahwa financial literacy dan lifestyle berpengaruh negatif signifikan terhadap financial management behavior. Financial attitude berpengaruh positif signifikan terhadap financial management behavior, dan locus of control tidak memediasi financial literacy terhadap financial management behavior.
Pengaruh Literasi, Sikap Dan Toleransi Risiko Keuangan, Kepribadian Terhadap Pengelolaan Keuangan Pada Masyarakat Pengguna Paylater Rara Ayu Elviani; Rr. Iramani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 5 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i5.1677

Abstract

Tujuan penelitian ini yaitu untuk menguji pengaruh literasi keuangan, sikap keuangan, toleransi risiko keuangan dan kepribadian terhadap pengelolaan keuangan pada masyarakat pengguna PayLater wilayah Kota Surabaya, Kabupaten Gresik, Kabupaten Sidoarjo, Kabupaten Mojokerto. Metode pengambilan sampling menggunakan purposive sampling. Pengumpulan data menggunakan metode survei dengan penyebaran kuesioner. Dalam penelitian ini diperoleh 197 responden yang memenuhi kriteria dari 175 responden yang mengisi kuesioner. Pada penelitian ini menggunakan analisis statistik yaitu Structural Equation Modelling-Partial least square (SEM-PLS). Hasil dari penelitian ini menunjukkan bahwa literasi keuangan, sikap keuangan dan kepribadian berpengaruh positif terhadap pengelolaan keuangan, sementara toleransi risiko keuangan tidak berpengaruh terhadap pengelolaan keuangan. Dari hasil penelitian diharapkan bagi masyarakat pengguna PayLater untuk meningkatkan pengetahuan mengenai perkembangan financial technology di Indonesia seperti berapa bunga yang diberikan ketika meminjam dan harus menjaga ketepatan waktu ketika sudah waktunya membayar karena kecacatan dalam gagal bayar mempengaruhi di data riwayat kredit kita pada Bank Indonesia sehingga akan tetap baik dalam pengelolaan keuangan walaupun memiliki cicilan.