Claim Missing Document
Check
Articles

PENGARUH CORPORATE GOVERNANCE TERHADAP PERINGKAT OBLIGASI DAN YIELD OBLIGASI Rita, Maria Rio; Sarquella, Lluis
Jurnal Manajemen dan Keuangan Vol 8, No 1 (2010): Jurnal Manajemen dan Keuangan
Publisher : Jurnal Manajemen dan Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This paper investigated the effect of corporate governance to bond rating and bond yield. The proxies of corporate governance are institution ownership, independent committee, and managerial ownership. Those proxies are independent variables, and the dependent variables are bond rating and bond yield.Logistic regression (logit) is used to examine first hypothesis, and multiple regression is used to examine second hypothesis. Sample are all bonds that issued period 2004-2007, and data are collected from Indonesia Stock Exchange and Bisnis Indonesia Daily.The result proved that implementation corporate governance influences bond rating. The existence of independent committee have positive effect to bond rating but the opposite effect is to bond yield. The better of corporate governance implementation the higher bond ratings but bond yields wil decrease.Keyword : Corporate governance, bond rating, and bond yield
FINANCIAL ATTITUDES DAN KOMUNIKASI KELUARGA TENTANG PENGELUARAN UANG SAKU : DITINJAU DARI PERBEDAAN GENDER Utaminingsih, Retno; Rita, Maria Rio
Jurnal Manajemen dan Keuangan Vol 8, No 2 (2010): Jurnal Manajemen dan Keuangan
Publisher : Jurnal Manajemen dan Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Previous researches showed that the range of financial attitudes of male and female are different. In addition, communication patterns between men and women also different, men have a tendency to be less open than women. On the one hand, there is research says that financial issues can trigger conflict affects families and personal lives and academic success. This study attempts to examine the problems using student of Faculty of Economics and Business Satya Wacana Christian University (n = 302). The results showed that there are differences in various financial attitudes between women and men, women and men have the same level of openness in family communication about spending their pocket money and financial attitudes owned by women and men can affect family communication about spending their pocket money.Keyword: Financial Attitudes, Family Communication, Gender
PENGARUH VARIABEL SOSIO DEMOGRAFI DAN KARAKTERISTIK FINANSIAL TERHADAP SIKAP, NORMA SUBYEKTIF DAN KONTROL PERILAKU MENGGUNAKAN KARTU KREDIT (Studi Pada Pegawai di UKSW Salatiga) Rita, Maria Rio; Kusumawati, Ratna
Jurnal Manajemen dan Keuangan Vol 9, No 2 (2011): Jurnal Manajemen dan Keuangan
Publisher : Jurnal Manajemen dan Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Recent years have seen a boom in research on new electronic payment instruments. The purpose of this research is to investigate the influence of the socio-demographic variables and financial characteristics of attitude toward subjective norm and behavioral control to use credit cards on employees in Satya Wacana Christian University Salatiga. This study used a questionnaire as a tool to collect data, and techniques of analysis used is multiple regression analysis with dummy variables. The study shows that education levels (under graduate and doctoral program) affect the subjective norm and attitude using credit card. But socio-demographic variables and financial characteristics does not simultaneously affect the attitude, subjective norm and behavioral control using credit card.Keywords: Socio Demographic Variables, Financial Characteristics, Attitude, Subjective Norms, Control Behavior, Credit Cards
LITERASI KEUANGAN DAN PERENCANAAN KEUANGAN PADA DANA PENDIDIKAN ANAK Rita, Maria Rio; Santoso, Benny
Jurnal Ekonomi Vol 20, No 2 (2015): July 2015
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v20i2.157

Abstract

The purpose of this study is to analyze financial literacy and financial planning on educational funds for children among housewives. The participants of this study are 100 housewives in Sidorejo Lor, Salatiga. Data collection technique is using distribution questionnaires and conducting interviews to obtain more in-depth information. The collected data was analyzed using statistic descriptive analysis approach to investigate the level of financial literacy and financial planning on the children educational funds. Based on the results of the analysis, it can be concluded that: 1) Level of financial literacy on planning children educational funds among housewives in Sidorejo Lor Salatiga is categorized high level; 2) The financial planning on the education of children among housewives in Sidorejo Lor, Salatiga is categorized high.
PERANAN LEVERAGE DAN PROFITABILITAS TERHADAP SUSTAINABLE GROWTH: STUDI PADA SEKTOR MANUFAKTUR DI BEI Chandradinangga, Arinta; Rita, Maria Rio
International Journal of Social Science and Business Vol 4, No 2 (2020)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v4i2.24179

Abstract

The study of sustainability has attracted the interest of some researchers lately, both at the level of small businesses and corporate. Sustainable growth is one measure of good company performance because it combines operating and financial policies. Companies that have high debts are not always bad, but they need supervision and planning so as to produce optimal decisions for the company. This study aims to analyse the effect of leverage and profitability on sustainable growth in manufacturing sector companies in 2015-2017 which are listed on the Indonesia Stock Exchange (IDX). The purposive sampling approach was used in the selection of samples, and obtained as many as 70 companies in accordance with existing criteria. This study uses multiple linear regression analysis to process the data. This study proves that leverage has a significant positive effect on sustainable growth, while profitability has a significant positive effect on sustainable growth.
Does Neoclassical Theory Exist in SMEs? Evidence from Central Java-Indonesia Wahyudi, Sugeng; Rita, Maria Rio; Fuady, Misbach
Economics Development Analysis Journal Vol 10 No 3 (2021): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v10i3.45068

Abstract

Financial and non-financial aspects can influence company performance, not excluding small-medium enterprises (SMEs). This research examines the non-financial aspect, since studies in this area are still limited. This research strives to demonstrate the existence of the neoclassical theory in the relationship framework between the business aspect (real sector) and SME performance. This study, which was conducted on batik SMEs in Central Java Province-Indonesia, consisted of 265 samples. The data was obtained from surveys through distributing questionnaires and conducting interviews with batik SME entrepreneurs. The data analysis used a structural equation model (SEM). These study results documented that business prospects have direct and indirect effects on SME performance. The indirect influences are produced through entrepreneurial-oriented financial mediation. This finding reveals that the neoclassical theory will be more effective to improve company performance through entrepreneurial-oriented finance. The importance of the role of this mediating variable is shown from the total effect of the coefficient that is higher than the indirect effect or the direct effect of the coefficient.
THE EFFECT OF PROFITABILITY ANALYSIS ON COMPANY VALUE WITH GOOD CORPORATE GOVERNANCE AS A MODERATE VARIABLE Pramesti, Florentina Yuniar; Rita, Maria Rio
International Journal of Social Science and Business Vol 5, No 3 (2021): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v5i3.35051

Abstract

This research aims to analyze Rentability to The Company Value with GCG (Good Corporate Governance) as a moderating variable. The rentability variable is measured using the Return on Assets (ROA) value. While the Company's Value is measured by Tobin's Q. GCG as moderation variable is measured by two proxies, namely the Independent Board of Commissioners and the Audit Committee. The samples in this study were 10 state-owned enterprises companies (BUMN) in the finance and insurance sector, which listed on the Indonesia Stock Exchange (IDX) for the period 2016-2020. The technique used in the study was purposive sampling. The results show that Rentability significantly affects the Company's Value.  Based on the calculated t value (3,955) > table t (0.677) and the Sig value (0.000) < 0.05. The GCG (Good Corporate Governance) is able to moderate the influence of Rentability on the company value based on the calculated t value (8,096) > t table (0.677), and the Audit Committee based on the calculated t value (8,332) > t table (0.677). Rentability is able to explain the variable variation in the company value based on the R2 value of 28.5% and GCG (Independent Board of Commissioners and Audit Committee) is able to strengthen the relationship between rentability and the company's value to 47.7%.
LITERASI KEUANGAN DAN PERTUMBUHAN UMKM: PERAN MEDIASI MANAJEMEN KAS Maharani, Danty Septya; Rita, Maria Rio
Ekonomi & Bisnis Vol 19 No 1 (2020): JURNAL EKONOMI BISNIS VOL 19 NO 1 JUNI 2020
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v19i1.2729

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh: a) literasi keuangan terhadap manajemen kas; b) manajemen kas terhadap pertumbuhan UMKM dan; c) literasi keuangan terhadap pertumbuhan UMKM dengan mediasi manajemen kas. Penelitian dilakukan di Desa Kebondowo Kabupaten Semarang. Responden penelitian ini adalah pemilik UMKM sektor makanan yang dipilih berdasarkan kriteria tertentu dengan jumlah 50 UMKM. Data yang terkumpul selanjutnya diolah dengan software SmartPLS. Hasil penelitian menemukan bahwa manajemen kas berpengaruh signifikan terhadap pertumbuhan UMKM. Literasi keuangan tidak terbukti berpengaruh signifikan terhadap manajemen kas, selain itu manajemen kas tidak memediasi jalur antara literasi keuangan dan pertumbuhan UMKM. Riset ini merupakan bidang kajian entrepreneurial finance, di mana temuan ini dapat berkontribusi bagi pengembangan UMKM khususnya sektor makanan.
Likuditas Dan Efisiensi Operasional Bank: Bagaimana Peran Moderasi Ukuran BankPerusahaan Bowi, Devi Mareta; Rita, Maria Rio
AFRE (Accounting and Financial Review) Vol 3, No 1 (2020): July
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v3i1.4093

Abstract

This study empirically examines the effect of liquidity on the efficiency of banking operations in Indonesia, with moderation in company size. To measure the level of operational efficiency, the BOPO ratio is used, which is the ratio of operating costs to operating income and liquidity is proxied by the LDR (Loan to Deposit Ratio) ratio. The sample in this study were 35 state-owned (private) and private (BUSN) banks that listed and published complete financial statements on the Indonesia Stock Exchange for the period of 2016 - 2018. This study proves that LDR has a significant negative effect on (BOPO) and the size of the company moderates / weaken the influence of LDR on BOPO. The greater the size of the bank, the effect of the LDR on operational efficiency will be weaker. DOI: https://doi.org/10.26905/afr.v3i1.4093
Competitive Advantage and Firm Performance: Debt Financing as a Moderating Variable Rita, Maria Rio; Hidayat, Riskin; Kristanto, Ari Budi
JDM (Jurnal Dinamika Manajemen) Vol 13, No 1 (2022): Maret 2022 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v13i1.32937

Abstract

This study aims to examine the moderating role of debt financing in the effect of competitive ad- vantage on the performance of Lasem-Rembang batik MSMEs. Capital from debt is expected to optimize the role of competitive advantage to strengthen firm performance. The researchers used primary data through a survey of 68 batik MSME entrepreneurs who have been operating for at least 5 years. The data was processed using Partial Least Squares-Structural Equation Model (PLS)-SEM with the WarpPLS 7.0 application by including the control variable of entrepreneur education level. The findings show that competitive advantage is not proven to have a positive effect on the perfor- mance of MSMEs; on the contrary, it has a significant negative effect. Then debt financing is demon- strated to moderate the effect of competitive advantage on MSME performance. This implies that debt financing can strengthen the effect of competitive advantage on MSME performance because it produces a positive and significant effect.