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Embun Suryani

UNRAM

Author-ID : 4032186

Humanities Education Social Sciences Other

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THE EFFECT OF FINANCIAL ATTITUDE AND FINANCIAL KNOWLEDGE ON COMPANY PERFORMANCE WITH FINANCIAL DECISIONS AS INTERVENING VARIABLES: A BEHAVIORAL FINANCE PERSPECTIVE Siti Aisyah Hidayati; Sri Wahyulina; Embun Suryani
JMM UNRAM - MASTER OF MANAGEMENT JOURNAL Vol. 10 No. 1 (2021): JMM Maret 2021
Publisher : Master of Management, Mataram University

This study aims to analyze the effect of Financial Attitude and Financial Knowledge on Company Performance with Financial Decision as an Intervening Variable on Small and Middle Enterprises Owners in Lombok Island. This research's theoretical contribution is expected to contribute to the knowledge and development of behavioral finance theory related to Financial Decision-making and Company Performance in Small and Middle Enterprises. Besides, it is also hoped that behavioral finance will become a subject in the financial management course. Furthermore, this research's practical contribution is expected to provide input, suggestions, and recommendations to the NTB Provincial Government's policymakers in making policies related to SMEs' development. This research is research based on a quantitative approach, with this type of explanatory research. The study population was all SMEs in Lombok Island. The sampling was carried out by non-probability selection, namely using judgment sampling, selecting SMEs engaged in the pottery industry and had already exported. Of the existing population, there are 35 (Thirty-Five) SMEs that can be taken as samples. Respondents in this study are the owners of each of these SMEs. The data collection technique used in this study was to use a questionnaire. The data obtained will be processed as needed by using GSCA (Generalized Structured Component Analysis) statistical tools to achieve the research objectives and hypothesis testing. The results showed that Financial Attitude and Financial Knowledge had a positive and significant effect on Financial Decision-making. Financial Decisions did not mediate the impact of Financial Attitude and Financial Knowledge on Company Performance, and Financial Decisions had a negative and significant effect on Company Performance. This circumstance is also motivated by the age of most of the respondents of productive age, mostly male, most of the education level is high school, and the length of business is more than 10 (ten) years. Keywords: Financial Attitude, Financial Knowledge, Financial Decision, Company Performance

PERSEPSI UKM TERHADAP APLIKASI AKUNTANSI BERBASIS ANDROID DENGAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL DAN THEORY OF PLANNED BEHAVIOR Embun Suryani; Sinta Almanika; Adi Septiawan
JMM UNRAM - MASTER OF MANAGEMENT JOURNAL Vol. 10 No. 3 (2021): JMM September 2021
Publisher : Master of Management, Mataram University

The purpose of this study was to determine the perceptions of Small and Medium Enterprises (SMEs) users and non-users of Android-based accounting applications as well as the benefits and feasibility of the application to be used as an SME accounting information system. This study uses phenomenological methods and analyzed descriptively. The data were analyzed using interactive analysis techniques which included data collection, data reduction, data presentation, and drawing conclusions. The results of this study indicate that the perception of SMEs using Android-based accounting applications provides a lot of positive responses, both from application users and non-users. The results of interviews with informants prove that android-based accounting applications can improve business performance and productivity, work faster, stored data is safer, and the accounting information produced is clearer, more complete, and accurate. Although most of the informants gave a positive response, a few informants were still comfortable using manual recording because it was considered easy and did not require complex recording. From the results of data analysis, the android-based accounting application has a feasibility level of 72% which indicates that this accounting application is very feasible to be used as a better financial recording of SMEs and meets accounting standards.Keywords:Keywords:SMEs perception, android-based accounting application, technology acceptance model, theory of planned behavior.

PENGARUH COGNITIVE BIAS DAN EMOTIONAL BIAS TERHADAP KEPUTUSAN PENEMPATAN DANA UNTUK MODAL KERJA PADA USAHA KECIL MENENGAH (UKM) DI PULAU LOMBOK PADA MASA PANDEMI COVID 19 Siti Aisyah Hidayati; Sri Wahyulina; Embun Suryani
JMM UNRAM - MASTER OF MANAGEMENT JOURNAL Vol. 11 No. 1 (2022): JMM Februari 2022
Publisher : Master of Management, Mataram University

This study aims to analyze the Effect of Cognitive Bias and Emotional Bias on Fund Allocation Decision for Working Capital in Small and Medium Enterprises (SMEs) on Lombok Island during the Covid 19 Pandemic. The theoretical contribution of this research is expected to contribute to science and the development of behavioral finance theory that related to financial decision making and company performance in Small and Medium Enterprises (SMEs). In addition, behavioral finance is also expected to be the subject of financial management courses. Furthermore, the practical contribution of this research is expected to provide input, suggestions and recommendations to the policy makers of the NTB Provincial Government in making policies related to the development of SMEs. This research is a quantitative approach-based research, with the type of explanatory research. The research population is all SMEs located on the island of Lombok. The sampling technique is carried out by non-probability sampling, which uses judgment sampling, namely selecting SMEs that are engaged in the pottery industry and have already exported. From the existing population, there are 34 (thirty four) SMEs that can be taken as samples. Respondents in this study are the owners of each of these SMEs. The data collection technique used in this research is using a questionnaire. To achieve the research objectives and hypothesis testing, the data obtained will be processed according to the needs by using the statistical tool GSCA (Generalized Structured Component Analysis). The results showed that Cognitive Bias and Emotional Bias had a positive and significant impact on fund allocation decision for Working Capital in Small and Medium Enterprises (SMEs) on Lombok Island during the Covid 19 Pandemic. This was motivated by the age of most of the respondents of productive age, mostly male, the education level is mostly high school and college and the length of business is more than 15 (fifteen) years. Keywords: cognitive bias, emotional bias, fund allocation decision for working capital

ANALISIS PENGARUH TECHNO-FINANCE LITERACY DAN PRAKTIK ENTREPRENEUR RISK MANAGEMENT TERHADAP KINERJA USAHA KECIL MENENGAH (UKM) DI KABUPATEN LOMBOK BARAT Ni Luh Debby Maharani Eka Putri; I Nyoman Nugraha Ardana Putra; Embun Suryani
JMM UNRAM - MASTER OF MANAGEMENT JOURNAL Vol. 11 No. 1 (2022): JMM Februari 2022
Publisher : Master of Management, Mataram University

Penelitian ini bertujuan untuk menguji Analisis Pengaruh Techno-Finance Literacy dan Praktik Entrepreneur Risk Management Terhadap Kinerja UKM di Kabupaten Lombok Barat. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian asosiatif dengan pendekatan kuantitatif. Populasi pada penelitian ini sebanyak 366 UKM. Sampel dalam penelitian ini diperoleh dengan menggunakan teknik purposive sampling, sehingga jumlah sampel ditentukan sebanyak 50 pelaku UKM. Metode pengumpulan data yang digunakan pada penelitian ini adalah sampel survey. Variabel dalam penelitian ini adalah Literasi Keuangan, Literasi Teknologi dan Praktik ERM. Analisis data yang digunakan regresi linier berganda dengan menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa Literasi Keuangan dan Literasi Teknologi berpengaruh positif dan tidak signifikan terhadap kinerja UKM sedangkan Praktik ERM berpengaruh positif dan signifikan terhadap Kinerja UKM. Kata Kunci: Literasi Keuangan, Literasi Teknologi, Praktik ERM, dan Kinerja UKM

Co-Authors Adi Septiawan I Nyoman Nugraha Ardana Putra Ni Luh Debby Maharani Eka Putri Sinta Almanika Siti Aisyah Hidayati Sri Wahyulina

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