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Pengaruh Financial Literacy, Lotus of Control, dan Self Efficacy terhadap Financial Behavior Pengaruh财务素养、控制之莲花、自我效能感与财务行为
Pub Date : 2023-05-10 DOI: 10.26740/jpeka.v7n1.p1-17
Rita Atari, Erin Soleha
Financial Behavior is important for students because it determines their financial condition and achievement of their financial goals, especially in addressing the issue of the 2023 recession, it is necessary to improve financially so that students are able to prepare themselves as well as someone's provision to face this crisis if it does happen. This study aims to show that there is a relationship between self-efficacy, locus of control, and financial literacy on financial behavior. This research used 100 samples obtained from the Pelita Bangsa University student population, management study program class of 2019, with the sample determination method, namely non-probability sampling and a purposive sampling approach. This research is a type of quantitative research in which the data is obtained primarily from questionnaires and secondarily through literature studies. The data analysis technique uses Partial Least Square (PLS) through testing the outer model and inner model coefficients with the help of SmartPLS software. The research findings show that financial literacy, self-efficacy, and locus of control have a significant effect partially or simultaneously on the financial behavior of Pelita Bangsa University students.
财务行为对学生来说很重要,因为它决定了他们的财务状况和实现他们的财务目标,特别是在解决2023年经济衰退的问题时,有必要改善财务状况,以便学生能够为自己做好准备,以及某人的规定,以应对这场危机,如果它真的发生了。本研究旨在探讨自我效能感、控制点和财务素养对财务行为的影响。本研究采用非概率抽样和目的性抽样的样本确定方法,从百利塔邦萨大学2019级管理专业学生群体中抽取100个样本。本研究是一种定量研究,数据主要来自问卷调查,其次是通过文献研究。数据分析技术采用偏最小二乘法(PLS),借助SmartPLS软件对外模型和内模型系数进行检验。研究结果表明,金融素养、自我效能感和控制源对柏利塔邦萨大学学生的金融行为具有部分或同时的显著影响。
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引用次数: 0
Pengaruh Penyaluran Kredit dan Restrukturisasi Kredit terhadap Kinerja Non-Performing Loan pada Himbara Selama Pandemi Covid-19 (Periode 2020-2022) Covid-19大流行期间(2017 -2022年)对Himbara非业绩表现的影响
Pub Date : 2023-05-01 DOI: 10.26740/jpeka.v7n1.p79-93
Alfonso Alfonso
The Covid-19 pandemic prevention policy in Indonesia has had an influence on economic activity nationally on the performance of the banking sector. The Financial Services Authority issued a policy regarding Credit Restructuring regulations to encourage optimization of banking performance, especially the intermediation function in credit placement in the business sector. The credit risk factor as measured by Non-Performing Loans (NPL) which arose because of policies during the pandemic became a benchmark for banking ability to carry out operational operations. This study aims to see the effect of the indicators of Credit Distribution and Credit Restructuring on NPL Performance during the Covid-19 pandemic. The samples used in this study were four state-owned banks that are members of the Association of State-Owned Banks. This research was conducted using a quantitative approach using time series data for the 2020-2022 period and using the multiple linear regression analysis method to review the effect of Credit Distribution and Credit Restructuring on NPL performance at the Association of State-Owned Banks during the Covid-19 pandemic. The results of this study are that Credit Distribution has a significant negative effect on NPL and Restructured Credit has no significant positive effect on NPL during the Covid-19 pandemic.
印度尼西亚的Covid-19大流行预防政策对全国的经济活动和银行业的表现产生了影响。金融服务管理局发布有关信贷重组规例的政策,以鼓励优化银行表现,特别是在商业部门的信贷安排中的中介功能。以疫情期间因政策而产生的不良贷款(NPL)衡量的信贷风险因素成为衡量银行开展业务能力的基准。本研究旨在了解新冠肺炎疫情期间信贷分配和信贷重组指标对不良贷款绩效的影响。本研究使用的样本是四家国有银行,它们都是国有银行协会的成员。本研究采用定量方法,利用2020-2022年期间的时间序列数据,采用多元线性回归分析方法,考察了新冠肺炎疫情期间国有银行协会信贷分配和信贷重组对不良贷款绩效的影响。本研究结果表明,在新冠肺炎疫情期间,信贷分配对不良贷款有显著的负面影响,重组信贷对不良贷款没有显著的积极影响。
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引用次数: 0
Analisis Keuntungan Maksimum Penjualan Sandal dan Sepatu Toko Faa’iz Collection 销售凉鞋鞋的最大利润分析
Pub Date : 2023-05-01 DOI: 10.26740/jpeka.v7n1.p35-49
Tiurlina Siregar, J. Ritonga, Meilafayza Nasha, Kristiana Simbolon, Andri Pratama Pencawan
This study analyzes the maximum profit of FAA'IZ Collection business, a newly pioneering business, has problems determining sales targets to achieve maximum profit and the right price to be determined on each product sold. The research aims to evaluate whether the sales quantity has been achieved or not, analyze it, the amount of sales quantity, and determine the right price for products that provide maximum profit. The research subjects in this study are FAA'IZ Collection business actors in Medan, North Sumatra and the object of research is sales sandals, savilo sandals, eiger, Yumeida rubber shoes, comin shoes, and ikayni sandals. The results of the analysis state that (1) In January 2023, FAA'IZ Collection can achieve maximum profit only from the sale of comin shoes (2) In February 2023, FAA'IZ Collection is able to achieve maximum profit only from the sale of eiger and comin shoes (3) In January and February 2023, FAA'IZ Collection has not been   able to achieve maximum profit only from the sale of comin shoes.  Prevent maximum losses from sales of Savilo sandals and Irayni sandals (4) There are minimum products that need to be checkedby the FAA'IZ Collection to achieve maximum profits for sale sandal products 6,087, eiger 51,000, and comin shoes 56,250.
本研究分析了FAA’iz Collection是一个新兴的创业企业,在确定销售目标以实现最大利润和确定每件产品的合适价格方面存在的问题。研究的目的是评估是否达到了销售数量,分析它,销售数量的多少,并确定合适的价格,为产品提供最大的利润。本研究的研究对象为北苏门答腊省棉兰地区的FAA’iz Collection商业参与者,研究对象为销售凉鞋、savilo凉鞋、eiger凉鞋、Yumeida胶鞋、comin鞋、ikayni凉鞋。分析结果表明:(1)2023年1月,FAA'IZ Collection仅能通过销售comin鞋实现利润最大化(2)2023年2月,FAA'IZ Collection仅能通过销售eiger和comin鞋实现利润最大化(3)2023年1月和2月,FAA'IZ Collection已不能仅通过销售comin鞋实现利润最大化。防止Savilo凉鞋和Irayni凉鞋销售的最大损失(4)FAA'IZ Collection需要检查的最小产品为销售凉鞋产品6,087,eiger 51,000, comin鞋56,250。
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引用次数: 0
Pengaruh Efikasi Diri dan Perfeksionisme terhadap Prokrastinasi Akademik dengan Akademik Burnout sebagai Variabel Intervening yang Dilakukan oleh Mahasiswa Prodi Akuntansi Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa Yogyakarta di Masa Perkuliahan Daring 自定义和完美主义对学术倦怠和职业倦怠的影响是萨雅纳维亚塔塔塔日经学院经济会计专业学生所产生的影响
Pub Date : 2023-05-01 DOI: 10.26740/jpeka.v7n1.p67-78
Adia Adi Prabowo, Dewi Kusuma Wardani, Anita Primastiwi
In today's rapidly changing and highly competitive society, young people suffer from high levels of psychological distress such as anxiety, depression, and panic disorders because of high expectations for their academic performance and maintenance of their abilities. Mental health problems in college graduates are caused by poor academic performance, deteriorating financial circumstances, relationship problems, and loneliness. This research was conducted to determine the effect of self-efficacy and perfectionism on academic procrastination with academic burnout. This type of research uses a quantitative descriptive, purposive sampling technique used to collect a sample of 130 samples conducted at the University of Bachelor of Science, Tamansiswa, Yogyakarta, undergraduate students of the Accounting study program semesters 1, 3 and 7. PLS-SEM analysis is used in this research method, testing PLS analysis. -SEM uses the Outer Model and Inner Model. The results of this study indicate that: the hypothesis of Self-Efficacy, Perfectionism, and Academic Burnout has a positive effect on procrastination. Meanwhile, the variable Self-Efficacy and the variable Perfectionism have no effect on procrastination through academic burnout.
在当今瞬息万变、竞争激烈的社会中,由于对学业成绩和维持能力的高期望,年轻人遭受着高度的心理困扰,如焦虑、抑郁和恐慌症。大学毕业生的心理健康问题是由学习成绩差、经济状况恶化、人际关系问题和孤独引起的。本研究旨在探讨自我效能和完美主义对学业拖延伴学业倦怠的影响。这种类型的研究使用定量描述性,有目的的抽样技术,用于收集在日惹Tamansiswa理科学士大学进行的130个样本的样本,会计研究项目第一学期,第三学期和第七学期的本科生。本研究采用PLS- sem分析方法,对PLS分析进行检验。-SEM使用外部模型和内部模型。本研究结果表明:自我效能假说、完美主义假说和学业倦怠假说对拖延有正向影响。同时,变量自我效能感和变量完美主义通过学业倦怠对拖延没有影响。
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引用次数: 0
Pengaruh Profitabilitas, Solvabilitas dan Rasio Pasar terhadap Harga Saham pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2018-2021 盈利能力、偿债能力和市场比率对印尼证券交易所上市银行股票价格的影响,时间为2017 -2021年
Pub Date : 2023-05-01 DOI: 10.26740/jpeka.v7n1.p51-65
Erica Sesiana Br Panggabean, Halomoan Nathanael Joshua Akita, Khomeiny Yunior
When it comes to a country's economic development and stability, banking, the beating heart of the global economy, plays a crucial role. Therefore, many existing and potential investors are attracted to invest in this industry. But before jumping into the capital market, investors need to pay attention to several factors, including a thorough examination of the company's financial statements. This study will examine the relationship between profitability, solvency, and market ratios seen in banking businesses' financial statements and stock prices. Purposive sampling was utilized to acquire data from 47 of the financial institutions included in the IDX for the years 2018-2021. The hypotheses were evaluated by a battery of tests employing linear regression analysis. Hypothesis testing reveals that profitability, solvency, and market ratios all have an impact on the stock prices of Indonesia Stock Exchange-listed banking businesses from 2018 to 2021. (simultaneously). Then, throughout the 2018-2021 time, the market ratio to stock prices of IDX-listed banking firms has a positive and substantial influence on stock prices, while the profitability and solvency of IDX-listed banking companies have a negative and large effect on stock prices.
作为全球经济的“心脏”,银行业对一国经济的发展和稳定起着至关重要的作用。因此,许多现有的和潜在的投资者被吸引到这个行业投资。但在进入资本市场之前,投资者需要注意几个因素,包括对公司财务报表的彻底检查。本研究将检验银行业务财务报表和股票价格中盈利能力、偿付能力和市场比率之间的关系。利用有目的抽样从纳入IDX的47家金融机构中获取2018-2021年的数据。通过采用线性回归分析的一系列检验来评估这些假设。假设检验表明,盈利能力、偿付能力和市场比率都对2018年至2021年印尼证券交易所上市银行业务的股价产生影响。(同时)。然后,在整个2018-2021年期间,idx上市银行公司的市净率对股价具有正的、实质性的影响,而idx上市银行公司的盈利能力和偿付能力对股价具有负的、较大的影响。
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引用次数: 0
Faktor-Faktor yang Mempengaruhi Pelaporan Terintegrasi 影响整合报告的因素
Pub Date : 2023-05-01 DOI: 10.26740/jpeka.v7n1.p19-33
Lawrence Chika Milenxi, Etty Murwaningsari
The growing needs of stakeholders make companies have to present and state financial and non-financial data comprehensively and related to conditions that occur in an integrated manner to assist stakeholders in knowing the condition of an entity properly and correctly. In Indonesia, there are still not many companies that implement integrated reporting. The purpose of this research is to collect empirical evidence about the impact of various factors on integrated reporting. These factors include green innovation, green human capital, green structural capital, green relational capital, green organizational culture as well as green supply chain management. This research consists of a quantitative descriptive aspect. The list of companies on IDX for 2020-2021 is the population in this research. The sampling technique for this research, the researcher applied purposive sampling based on the analytical method, namely multiple linear regression, classical assumption test, and multiple hypothesis testing using the Statistical Program for Social Science version 22 feature in testing the hypotheses in this research. Green innovation, green organizational culture and green supply chain management are all factors that have no impact on integrated reporting, in contrast to green human capital, green structural capital and green relational capital which have an impact on integrated reporting.
利益相关者日益增长的需求使得公司必须以综合的方式呈现和陈述财务和非财务数据,并与发生的情况相关,以帮助利益相关者正确地了解实体的状况。在印度尼西亚,实施综合报告的公司仍然不多。本研究的目的是收集关于各种因素对综合报告的影响的实证证据。这些因素包括绿色创新、绿色人力资本、绿色结构资本、绿色关系资本、绿色组织文化和绿色供应链管理。本研究包括定量描述方面。IDX上2020-2021年的公司列表是本研究中的人口。本研究的抽样技术,研究者在分析方法的基础上采用目的抽样,即多元线性回归,经典假设检验,并利用社会科学统计程序第22版的功能进行多重假设检验。绿色创新、绿色组织文化和绿色供应链管理对综合报告没有影响,而绿色人力资本、绿色结构资本和绿色关系资本对综合报告有影响。
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引用次数: 1
Produktivitas Kerja dan Hubungannya dengan Motivasi, Upah dan Kedisiplinan Kerja Karyawan 工作生产率及其与动机、工资和员工纪律的关系
Pub Date : 2022-11-30 DOI: 10.26740/jpeka.v6n2.p149-160
Widati Wulandari, Nuril Lailiyah
Produktifitas kerja karyawan sangat berpengaruh terhadap kinerja perusahaan dalam menghasilkan laba, sehingga penting sekali perusahaan untuk memahami dan menjaga agar produktifitas kerja karyawab stabil. Produktifitas karyawan dipengaruhi banyak faktor termasuk didalamnya adalah besaran kompensasi karyawan, motivasi kerja karyawan, serta kedisiplinan kerja karyawan menjadi penentunya. Tujuan penelitian adalah menguji signifikansi motivasi, upah, kedisiplinan dengan produktivitas kerja karyawan pada perusahaan konveksi serta mengetahui variabel yang paling berpengaruh terhadap produktivitas kerja karyawan. Sebanyak 35 orang digunakan sebagai sampel penelitian yang menggunakan teknik pemilihan sampel yaitu Non-Probability Sampling dengan jenis sampling jenuh. Analisis regresi linier berganda dialukan untuk menganalisis data yang terkumpul dengan bantuan software SPSS 16.0. Kemudian, pengujian data menunjukkan bahwa motivasi, upah dan kedisiplinan masing – masing berpengaruh secara positif terhadap produktivitas kerja karyawan perusahaan. Sehingga produktititas kerja karyawan akan meningkat jika motivasi karyawan dalam bekerja tinggi, upah yang diberikan layak dan karyawan disiplin dalam melaksanakan pekerjaannya.
员工生产力对企业盈利表现有很大的影响,因此企业了解并保持员工工作效率的稳定是非常重要的。员工生产力受到许多因素的影响,其中包括雇员薪酬、就业动机和工作纪律。该研究的目的是测试对流公司员工的激励、工资、工作效率和纪律,并确定对员工工作效率影响最大的变量。多达35人被用作选集技术的研究样本,该技术采用的是不可能的样样和饱份类型。线性回归分析正在寻求通过SPSS 16.0软件分析积累的数据。数据测试表明,个人的动机、工资和纪律对公司员工的工作效率产生了积极的影响。因此,如果雇员的工作动机高、可接受的工资以及工作纪律严明的雇员,员工的工作效率就会提高。
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引用次数: 0
Pengaruh Daya Tarik Wisata dan Promosi Media Sosial terhadap Minat Berkunjung Kembali Wisatawan di Waduk Setu Patok Kabupaten Cirebon 旅游吸引力和社交媒体推广对Cirebon Setu pitok水库游客回访的影响
Pub Date : 2022-11-30 DOI: 10.26740/jpeka.v6n2.p133-147
R. Ariyani, Vita Dhameria, S. Suyitno
Desa Setupatok memiliki potensi sumber daya alam yang melimpah diantaranya dalam bidang pariwisata yaitu Waduk Setupatok, Siwalk, dan Makam Kramat yang masih kurang di kenal dan diminati oleh wisatawan oleh karena itu kami tertarik melakukan penelitian. Tujuan penelitian untuk mengetahui pengaruh media sosial dan daya tarik wisata terhadap minat berkunjung wisatawan dan untuk mengetahui dampak dari ramainya pengunjung terhadap tempat wisata tersebut. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif asosiatif. Dari hasil penelitian di dapatkan hasil bahwa daya tarik wisata dan promosi media sosial berpengaruh positif dan signifikan terhadap minat berkunjung kembali wisatawan.
Setupatok村有丰富的自然资源潜力,在旅游业中,它是setutok、Siwalk水库和Kramat古墓,这些水库是未知的,因此对游客感兴趣。研究的目的是了解社交媒体对游客的吸引力和吸引力,以及游客对旅游景点的热情。本研究采用的方法是定量联想法。这项研究得出的结论是,旅游吸引力和社交媒体的推广对游客的回访兴趣产生了积极而重要的影响。
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引用次数: 0
Pemetaan Kondisi Ekonomi Menurut Sektor Ekonomi Dengan Menggunakan Teknik Multidimensional Scaling sebelum dan selama masa Pandemi Covid-19 在Covid-19大流行之前和期间使用多维规模技术绘制经济状况
Pub Date : 2022-11-30 DOI: 10.26740/jpeka.v6n2.p113-132
Rizal Syaifudin, Raihana Rifa M
Sejak masuknya kasus pertama Covid-19 yang disebabkan oleh Sindrom Pernafasan akut Coronavirus 2 (SARS-CoV-2) di Indonesia pada Maret 2020, selama penyebaran virus ini, menyebabkan timbulnya kerugian pada berbagai sektor perekonomian, dari sektor kecil hingga sektor utama. Penelitian ini mengukur perubahan sektor basis pada tahun 2019 dan 2020 dengan menggunakan metode Analisis Location Quotient dan Analisis Skala Multidimensional untuk pemetaan wilayah berdasarkan kemiripan karakteristik faktor sosial ekonomi. Hasil Analisis Location Quotient menunjukkan perubahan sektor basis yang tidak terlalu signifikan, beberapa sektor seperti Transportasi dan Pergudangan mengalami penurunan dari tahun 2019 ke tahun 2020 hal ini diakibatkan oleh dibelakukannya Pembatasan Sosial Berskala Besar (PSBB) pada sebagian besar provinsi di Indonesia yang menghambat hampir seluruh aktivitas luar masyarakat. Namun, hal yang berbeda terjadi pada sektor Jasa Kesehatan dan Kegiatan Sosial yang memberikan kontribusi cukup besar selama penyebaran virus Covid-19. Hasil analisis menggunakan metode Skala Multidimensional pada 34 Provinsi di Indonesia memberikan gambaran pemetaan wilayah berdasarkan karakteristik faktor sosial ekonomi yang dapat dijadikan sebagai acuan dalam penyelesaian masalah di masing-masing provinsi tersebut.
自2020年3月印尼急性冠状动脉病毒2 (sars - cov本研究通过采用引用位置分析方法和基于社会经济因素特征相似性的区域测绘分析,测量了基础部门的变化。引用位置分析的结果显示,基地部门的变化很小,其中一些部门,如交通和仓房,从2019年下降到2020年,是由于印尼大部分省的大规模社会限制(PSBB)的基础。然而,卫生保健和社会服务部门在Covid-19病毒的传播过程中所做的贡献是不同的。印度尼西亚34个省的多元维度方法分析结果显示,该地区的地图是基于社会经济因素的特征,这些因素可以作为各省解决问题的基线。
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引用次数: 0
Pengaruh Pengalaman Konsumen dan Teman Sebaya Terhadap Sikap Konsumen Menggunakan Kartu Provider Pada Mahasiswa Prodi Pendidikan Ekonomi FKIP Universitas Jambi 消费者经验和同龄人对消费者使用优惠卡对Jambi大学经济教育普利基学生的态度的影响
Pub Date : 2022-11-23 DOI: 10.26740/jpeka.v6n2.p79-88
Kuswanto Kuswanto, Rizki Mutiara Afrilia, Iwan Setya Putra
Dalam mengkonsumsi barang dan jasa, konsumen akan membentuk sikapnya. Berdasarkan observasi yang dilakukan terdapat sikap kurang positif yang terbentuk pada konsumen  terlihat dari mayoritas mahasiswa pernah dan sering beralih ke provider lain, hanya 21,4% siswa yang memiliki sikap positif dengan tidak beralih ke provider lain dan tetap menggunakan provider yang digunakannya. Penelitian ini bertujuan untuk mengetahui pengaruh pengalaman konsumen dan teman sebaya terhadap sikap konsumen baik secara parsial maupun simultan. Penelitian ini adalah penelitian kuantitatif, dengan metode ex post facto. Populasi dalam penelitian ini adalah mahasiswa Program Studi Pendidikan Ekonomi FKIP Universtas Jambi angkatan 2017 dan 2018 sebanyak 140 orang dan diambil sampel secara purposive sampling dengan karakteristik sebagai pengguna kartu provider sebanyak 104 orang. Hasil penelitian ini yaitu pengalaman konsumen berpengaruh terhadap sikap konsumen menggunakan kartu provider. Teman sebaya berpengaruh terhadap sikap konsumen menggunakan provider card. pengalaman konsumen dan teman sebaya berpengaruh positif dan signifikan terhadap sikap konsumen menggunakan kartu provider bagi mahasiswa Program Studi Pendidikan Ekonomi FKIP Universitas Jambi.
在消费商品和服务中,消费者将塑造他们的态度。根据对消费者的观察,从大多数学生过去和经常求助于另一个供应商的学生中,只有21.4%的学生表现出积极的态度,他们没有转向其他供应商,继续使用现有的提供者。本研究旨在确定消费者经验和同侪对消费者态度的影响,部分地和同时地。本研究是定量研究,采用前测方法。本研究的人口约为140人,是2017年至2018年FKIP Universtas Jambi economic教育项目的学生,他们以104名出纳用户的身份进行了有个性特征的抽样。这项研究的结果是消费者的经验对消费者使用提供者卡的态度有影响。同龄人使用供应商卡影响消费者的态度。消费者和同龄人的经验对消费者使用面向Jambi大学经济教育课程学生的态度产生了积极和显著的影响。
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引用次数: 0
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JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan
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