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Dampak Mediasi Sikap Keuangan Terhadap Pengetahuan Keuangan Dan Perilaku Keuangan Kiki Afita Andriyani; Hamdy Hady; Febria Nalurita
ijd-demos Volume 4 Issue 2 (2022)
Publisher : HK-Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/ijd.v4i2.272

Abstract

AbstractThis study aims to determine the influence of financial attitude mediation on financial knowledge and financial behavior. The consumptive behavior of students occurs due to a lack of understanding of financial knowledge, behaviors and attitudes. therefore, an understanding of financial knowledge, attitudes, and behaviors is needed to reduce the negative impact of this. In this study, the hypothesis results show that knowledge variables affect financial behavior and attitudes, financial attitude variables are also able to mediate financial knowledge and financial behavior.Keywords: Financial knowledge, financial behavior,  financial attitudes AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh mediasi sikap keuangan terhadap pengetahuan keuangan dan perilaku keuangan. Perilaku konsumtif siswa terjadi karena kurangnya pemahaman tentang pengetahuan, perilaku, dan sikap keuangan. oleh karena itu dibutuhkan pemahaman mengenai pengetahuan, sikap, dan perilaku keuangan agar mengurangi dampak negatif dari hal tersebut. Dalam penelitian ini hasil hipotesis menunjukkan bahwa variabel pengetahuan mempengaruhi perilaku dan sikap keuangan, variabel sikap keuangan juga mampu memediasi pengetahuan keuangan dan perilaku keuangan.Kata Kunci: Pengetahuan Keuangan, Perilaku Keuangan, Sikap Keuangan
DAMPAK MANAJEMEN RISIKO PADA KINERJA KEUANGAN BANK UMUM KONVENSIONAL DI INDONESIA Hindarsih Widyastuti; Kiki Afita Andriyani; Farah Margaretha Leon
Jurnal Magister Akuntansi Trisakti Vol. 8 No. 1 (2021): Februari
Publisher : LEMBAGA PENERBIT FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS TRISAKTI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (282.965 KB) | DOI: 10.25105/jmat.v8i1.8148

Abstract

Abstract This study was conducted to examine the impact of risk management on the financial performance of conventional banks in Indonesia. Effective and efficient banking industry financial performance from time to time is highly expected to maintain banking financial stability itself and even the stability of a country. The increase in losses borne by banks as a result of inadequate risk management practices is a major concern of bank management and regulators. The data tested in this study is conventional bank data that listed on the Indonesia Stock Exchange during the 2015-2019 period. Data analysis using Multiple Linear Regression Model. The results show that there is a significant relationship between market risk management (NIM), operational risk management (BOPO) and liquidity risk management (LDR) with bank financial performance (ROA). Meanwhile, credit risk management (NPL) has no effect on bank financial performance (ROA). For this reason, it can be said that adequate risk management practices as demonstrated by the ratio of interest rate risk, liquidity risk and operational risk are the main driving factors for profitability for the banking sector in Indonesia. Therefore, bank management must mobilize resources to understand a sound risk management system which in turn will have an impact on improving the bank's financial performance.Keywords: Conventional Banks, Risk Management, Financial Performance.