Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3396
Oktavianus Marbun, Bram Hadianto, Anais Mariana
Financial literacy becomes the guideline for its users to perform financially well. As educated users, undergraduate business students are expected to behave well in managing their money. Furthermore, to test this tendency, this study employs the financial attitude and internal control locus as additional determinants. This research also takes 150 students in the management department of business faculty at Maranatha Christian University as a population. Considering some batches utilized, this study employs stratified random sampling to take the samples. Besides, this study uses a survey method to obtain their response related to demographic and academic features, covariance-based structural equation model, and the related statistic: the probability of critical ratio to analyze the data and examine the first, second, and third hypotheses. After testing them, this investigation concludes that the more financially literate the students are, the more they behave financially. With a better financial attitude and internal control locus, the students can manage their money well.
理财知识成为理财知识使用者理财的指南。作为受过良好教育的用户，商学院本科生被期望在理财方面表现良好。此外，为了检验这种倾向，本研究采用财务态度和内部控制位点作为额外的决定因素。这项研究还以马拉纳塔基督教大学(Maranatha Christian University)商学院管理部门的150名学生为研究对象。考虑到使用了一些批次，本研究采用分层随机抽样的方式进行抽样。此外，本研究采用问卷调查的方法获得了他们与人口统计学和学术特征相关的反应，基于协方差的结构方程模型，以及相关的统计量:临界比率的概率来分析数据并检验第一、第二和第三个假设。在对他们进行测试后，这项调查得出的结论是，学生的财务知识越丰富，他们的财务行为就越好。有了良好的理财态度和内部控制位点，学生就能很好地管理自己的金钱。
{"title":"Financial Literacy, Attitude, Internal Control Locus, and Money-Associated Behavior of Undergraduate Students","authors":"Oktavianus Marbun, Bram Hadianto, Anais Mariana","doi":"10.47065/ekuitas.v4i4.3396","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3396","url":null,"abstract":"Financial literacy becomes the guideline for its users to perform financially well. As educated users, undergraduate business students are expected to behave well in managing their money. Furthermore, to test this tendency, this study employs the financial attitude and internal control locus as additional determinants. This research also takes 150 students in the management department of business faculty at Maranatha Christian University as a population. Considering some batches utilized, this study employs stratified random sampling to take the samples. Besides, this study uses a survey method to obtain their response related to demographic and academic features, covariance-based structural equation model, and the related statistic: the probability of critical ratio to analyze the data and examine the first, second, and third hypotheses. After testing them, this investigation concludes that the more financially literate the students are, the more they behave financially. With a better financial attitude and internal control locus, the students can manage their money well.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114768963","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3309
Retna Nur Rahmahyanti, A. Andriana
This study aims to determine the effect of product quality, brand ambassadors, and this advertisement both simultaneously and partially on purchasing decisions on MS Glow products with research locations in Samarinda City. The data analysis technique used was multiple linear regression analysis and the sample in this study was 41 respondents. Sampling was carried out using a saturated sampling technique with the total population used as a sample with the criteria of being domiciled in the city of Samarinda and having purchased MS Glow products. The results of this study partially indicate that the product quality variable has no significant effect on purchasing decisions on MS Glow products. The brand ambassador variable has no significant effect on purchasing decisions for MS Glow products. Advertising variables have a significant effect on purchasing decisions for MS Glow products. Simultaneously product quality, brand ambassadors, and advertising have a significant effect on purchasing decisions for MS Glow products. The test results for the coefficient of determination with a value of 22.9% where the ability of the independent variables in this study, namely product quality, brand ambassadors, and advertisements together can influence the purchasing decision of MS Glow products and the remaining 77.1% can be influenced by other variables not examined in this study.
{"title":"Pengaruh Pengaruh Kualitas Produk, Brand Ambassador dan Iklan Terhadap Keputusan Pembelian Produk MS Glow","authors":"Retna Nur Rahmahyanti, A. Andriana","doi":"10.47065/ekuitas.v4i4.3309","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3309","url":null,"abstract":"This study aims to determine the effect of product quality, brand ambassadors, and this advertisement both simultaneously and partially on purchasing decisions on MS Glow products with research locations in Samarinda City. The data analysis technique used was multiple linear regression analysis and the sample in this study was 41 respondents. Sampling was carried out using a saturated sampling technique with the total population used as a sample with the criteria of being domiciled in the city of Samarinda and having purchased MS Glow products. The results of this study partially indicate that the product quality variable has no significant effect on purchasing decisions on MS Glow products. The brand ambassador variable has no significant effect on purchasing decisions for MS Glow products. Advertising variables have a significant effect on purchasing decisions for MS Glow products. Simultaneously product quality, brand ambassadors, and advertising have a significant effect on purchasing decisions for MS Glow products. The test results for the coefficient of determination with a value of 22.9% where the ability of the independent variables in this study, namely product quality, brand ambassadors, and advertisements together can influence the purchasing decision of MS Glow products and the remaining 77.1% can be influenced by other variables not examined in this study.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130948055","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.2788
A. Amalia, D. Hapsari
The study aims to determined the effect of the level of debt financing and equity financing on the profit expense ratio in islamic banks. This study uses a quantitative method with a population of 16 companies. The technique used in this study was purposive sampling, in order to obtain a sample of 6 companies with a total of 12 data spanning the 2018-2021 observation years. The test tool used is Multiple Linear Regression Analysis using SPSS 23. The results show that debt financing has no effect on the profit expense ratio. Meanwhile, equity financing has an influence on the profit expense ratio.
{"title":"Debt Financing dan Equity Financing Pada Profit Expense Ratio Perusahaan Bank Syariah di Indonesia","authors":"A. Amalia, D. Hapsari","doi":"10.47065/ekuitas.v4i4.2788","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.2788","url":null,"abstract":"The study aims to determined the effect of the level of debt financing and equity financing on the profit expense ratio in islamic banks. This study uses a quantitative method with a population of 16 companies. The technique used in this study was purposive sampling, in order to obtain a sample of 6 companies with a total of 12 data spanning the 2018-2021 observation years. The test tool used is Multiple Linear Regression Analysis using SPSS 23. The results show that debt financing has no effect on the profit expense ratio. Meanwhile, equity financing has an influence on the profit expense ratio.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130546014","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3365
Azhar Shafiin, Ahmad Amir Aziz, Sanurdi Sanurdi, Herawati Khotmi
The Profitability Ratio is the primary ratio in measuring the achievement of banking performance. Several other ratios, such as CAR, FDR, BOPO, and NPF, influence the profitability ratio. This study examines and analyzes the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the profitability of PT. Bank NTB Syariah with NOM (Net Operating Margin) and Reserve Requirement (Minimum Statutory Reserve) as moderating. This quantitative research wants to reveal the effect of financial ratios on profitability. The data is from the PT Bank NTB Syariah publication report from 2019 to 2021. The data analysis technique in this study used Partial Least Square (PLS). The results showed that CAR, BOPO, and NPF did not have a significant and negative effect on ROA, shown by P-Value Values of 0.212, 0.505, and 0.360, respectively. In contrast, FDR had a significant and positive effect on ROA, indicated by P-Value Values of 0.000. For moderator variables, GWM and NOM have no significant effect in moderating FDR and BOPO variables, indicated by P-Value Values of 0.988 and 0.589, respectively.
盈利能力比率是衡量银行业绩的主要指标。其他几个比率，如CAR、FDR、BOPO和NPF，会影响盈利能力比率。本研究考察并分析了资本充足率(CAR)、融资与存款比率(FDR)、营业费用与营业收入(BOPO)和不良融资(NPF)对PT. Bank NTB Syariah的盈利能力的影响，其中NOM(净营业利润率)和准备金率(最低法定准备金)是调节因素。本定量研究旨在揭示财务比率对盈利能力的影响。数据来自PT Bank NTB 2019年至2021年的伊斯兰出版物报告。本研究的数据分析技术采用偏最小二乘法(PLS)。结果表明，CAR、BOPO和NPF对ROA没有显著的负向影响，p值分别为0.212、0.505和0.360。相比之下，FDR对ROA有显著的正向影响，p值为0.000。对于调节变量，GWM和NOM对FDR和BOPO变量的调节作用不显著，p值分别为0.988和0.589。
{"title":"Rasio Keuangan Terhadap Profitabilitas dengan Nom dan Gwm Sebagai Pemoderasi Rasio Keuangan Perbankan","authors":"Azhar Shafiin, Ahmad Amir Aziz, Sanurdi Sanurdi, Herawati Khotmi","doi":"10.47065/ekuitas.v4i4.3365","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3365","url":null,"abstract":"The Profitability Ratio is the primary ratio in measuring the achievement of banking performance. Several other ratios, such as CAR, FDR, BOPO, and NPF, influence the profitability ratio. This study examines and analyzes the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), and Non-Performing Financing (NPF) on the profitability of PT. Bank NTB Syariah with NOM (Net Operating Margin) and Reserve Requirement (Minimum Statutory Reserve) as moderating. This quantitative research wants to reveal the effect of financial ratios on profitability. The data is from the PT Bank NTB Syariah publication report from 2019 to 2021. The data analysis technique in this study used Partial Least Square (PLS). The results showed that CAR, BOPO, and NPF did not have a significant and negative effect on ROA, shown by P-Value Values of 0.212, 0.505, and 0.360, respectively. In contrast, FDR had a significant and positive effect on ROA, indicated by P-Value Values of 0.000. For moderator variables, GWM and NOM have no significant effect in moderating FDR and BOPO variables, indicated by P-Value Values of 0.988 and 0.589, respectively.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129710112","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3210
Ade Rifki Hamdani Lubis, Rahmat Hidayat
The proliferation of coffee shops creates intense competition. Coffee shop managers are competing to provide excellent service to all consumers, such as coffee quality, completeness of food / beverage companions, visitor comfort and safety, coffee shop design, to try to increase the electability of the brand owned or what is referred to as brand image. The purpose of this study was to determine whether there was an influence of Instagram social media marketing on brand image at the Dukku Riang Coffee Shop Medan. The sample for this research is 76 people from the number of followers of the account @dukku.riang. Sampling using simple random sampling, namely the determination of samples that provide equal opportunity to each member of the population to be sampled. Sampling using the Slovin formula. Data analysis used the Simple Regression test, while data processing used SPSS. The results of the study show that Instagram social media marketing affects brand image at Dukku Riang Coffee Shop Medan.
{"title":"Pengaruh Marketing Media Sosial Instagram Terhadap Citra Merek","authors":"Ade Rifki Hamdani Lubis, Rahmat Hidayat","doi":"10.47065/ekuitas.v4i4.3210","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3210","url":null,"abstract":"The proliferation of coffee shops creates intense competition. Coffee shop managers are competing to provide excellent service to all consumers, such as coffee quality, completeness of food / beverage companions, visitor comfort and safety, coffee shop design, to try to increase the electability of the brand owned or what is referred to as brand image. The purpose of this study was to determine whether there was an influence of Instagram social media marketing on brand image at the Dukku Riang Coffee Shop Medan. The sample for this research is 76 people from the number of followers of the account @dukku.riang. Sampling using simple random sampling, namely the determination of samples that provide equal opportunity to each member of the population to be sampled. Sampling using the Slovin formula. Data analysis used the Simple Regression test, while data processing used SPSS. The results of the study show that Instagram social media marketing affects brand image at Dukku Riang Coffee Shop Medan.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126514247","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3224
Marnex Bokaraman, H. Hahury, Rukmin W Payapo, Hermi Oppier
Abundant availability of natural resources is not a guarantee for the welfare of community who live around them. The natural resources in archipelagic areas have their own diversity, both in terms of their utilization types and patterns. Coconut plants in the copra farming is one of the examples. This study aims to analyze determinants of poverty of copra farmers and contribution of copra farming to farmer household income. The research was conducted in Labuan Village, Nort West Seram District, Central Maluku Regency. There was a total of 35 respondents consisting of copra farmers participating in this study in April – June 2022. Data collection techniques were carried out through interviews, observation and questionnaires with the primary data source coming from copra farmers in Labuan Village. While data analysis is done by first calculating production costs, receipts, income analysis and business contributions. The results show that the copra farming was the income for the farmer households reaching IDR 4,794,304 and the production cost reached IDR 972,273. However, the copra farming contribution to the farmer household income was still relatively low at only 3.49%. Meanwhile, the determinants of poverty of copra farmers included limited access to assets, lack of capital, poor level of skills, and limited markets. As a result of these vulnerabilities, the farmers were required to look for new alternative income sources as a strategy to maintain their household livelihood.
{"title":"Determinan Penyebab Kemiskinan Petani dan Kontribusi Usaha Kopra Terhadap Pendapatan Rumahtangga Petani","authors":"Marnex Bokaraman, H. Hahury, Rukmin W Payapo, Hermi Oppier","doi":"10.47065/ekuitas.v4i4.3224","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3224","url":null,"abstract":"Abundant availability of natural resources is not a guarantee for the welfare of community who live around them. The natural resources in archipelagic areas have their own diversity, both in terms of their utilization types and patterns. Coconut plants in the copra farming is one of the examples. This study aims to analyze determinants of poverty of copra farmers and contribution of copra farming to farmer household income. The research was conducted in Labuan Village, Nort West Seram District, Central Maluku Regency. There was a total of 35 respondents consisting of copra farmers participating in this study in April – June 2022. Data collection techniques were carried out through interviews, observation and questionnaires with the primary data source coming from copra farmers in Labuan Village. While data analysis is done by first calculating production costs, receipts, income analysis and business contributions. The results show that the copra farming was the income for the farmer households reaching IDR 4,794,304 and the production cost reached IDR 972,273. However, the copra farming contribution to the farmer household income was still relatively low at only 3.49%. Meanwhile, the determinants of poverty of copra farmers included limited access to assets, lack of capital, poor level of skills, and limited markets. As a result of these vulnerabilities, the farmers were required to look for new alternative income sources as a strategy to maintain their household livelihood.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128524520","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Food products are products of primary human needs, so they are needed. In Muslim societies, food products have provisions related to halal food so that they comply with the Shari'a. However, many products, especially in Indonesia, are still unclear about their halal status, which can influence buying interest. In addition, public awareness of halal is also important because it is considered to influence buying interest. The purpose of this study is to determine the effect of halal certification and halal awareness on consumer buying interest. This research method is a quantitative method with primary data in the form of interviews using a Likert scale. The results showed that halal certification had a significant positive effect on consumer buying interest as indicated by the tcount (5.946) > ttable (1.971). The more products that have halal certificates, the more consumers' buying interest will increase. Then the results of the study also show that halal awareness has a positive effect on consumer buying interest as indicated by the tcount (8.640) > ttable (1.971). That is, the higher the awareness of halal, the higher the consumer's buying interest.
{"title":"Sertifikasi Halal dan Kesadaran Halal Pada Minat Beli Produk Makanan","authors":"Adinda Choirul Ummah, Moh. Bahrudin, Syamsul Hilal","doi":"10.47065/ekuitas.v4i4.3215","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3215","url":null,"abstract":"Food products are products of primary human needs, so they are needed. In Muslim societies, food products have provisions related to halal food so that they comply with the Shari'a. However, many products, especially in Indonesia, are still unclear about their halal status, which can influence buying interest. In addition, public awareness of halal is also important because it is considered to influence buying interest. The purpose of this study is to determine the effect of halal certification and halal awareness on consumer buying interest. This research method is a quantitative method with primary data in the form of interviews using a Likert scale. The results showed that halal certification had a significant positive effect on consumer buying interest as indicated by the tcount (5.946) > ttable (1.971). The more products that have halal certificates, the more consumers' buying interest will increase. Then the results of the study also show that halal awareness has a positive effect on consumer buying interest as indicated by the tcount (8.640) > ttable (1.971). That is, the higher the awareness of halal, the higher the consumer's buying interest.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126728767","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3109
S. Sanusi, Amir Indrabudiman, Napisah Napisah
This research was conducted aimed at analyzing the Influence of Profitability, Leverage, dan Good Corporate Governance is notfacing the Value of the Company. This research was conducted on food & beverage subsector manufacturing companies listed on the Indonesia Stock Exchange for the period 2017-2021. The sample determination method in this study uses the purposive sampling method with a sample of 18 food & beverage subsector manufacturing companies that have met the sample criteria. The study used multiple linear regression analysis techniques and used SEM PLS 3.2.6 statistical test tool. The results of this study Profitability have a positive and significant effect on Company Value, Leverage does not affect company value, Good Corporate Governance has a positive and significant effect on Company Value.
{"title":"Pengaruh Rasio Profitabilitas, Rasio Leverage, dan Pengungkapan Good Corporate Governance Terhadap Nilai Perusahaan","authors":"S. Sanusi, Amir Indrabudiman, Napisah Napisah","doi":"10.47065/ekuitas.v4i4.3109","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3109","url":null,"abstract":"This research was conducted aimed at analyzing the Influence of Profitability, Leverage, dan Good Corporate Governance is notfacing the Value of the Company. This research was conducted on food & beverage subsector manufacturing companies listed on the Indonesia Stock Exchange for the period 2017-2021. The sample determination method in this study uses the purposive sampling method with a sample of 18 food & beverage subsector manufacturing companies that have met the sample criteria. The study used multiple linear regression analysis techniques and used SEM PLS 3.2.6 statistical test tool. The results of this study Profitability have a positive and significant effect on Company Value, Leverage does not affect company value, Good Corporate Governance has a positive and significant effect on Company Value.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115557021","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3221
S. Y. Leatemia
This study aims to examine the effect of financial literacy and financial inclusion on the performance of MSMEs. This research is a quantitative research that uses primary data with data collection techniques through questionnaires that are distributed directly to MSMEs in Aru Islands Regency, Maluku. Data processing was carried out using multiple linear regression analysis. The results in this study indicate that financial literacy has a positive effect on the performance of MSMEs and financial inclusion does not affect the performance of MSMEs. Implications of the research for MSMEs who have the ability and knowledge to manage finances effectively wiil be able to improve the performance of the businesses they run and the result of this research are used as input for MSMEs to pay attention to financial literacy and financial inclusion to improve the current performance.
{"title":"Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Mikro, Kecil, dan Menengah (UMKM)","authors":"S. Y. Leatemia","doi":"10.47065/ekuitas.v4i4.3221","DOIUrl":"https://doi.org/10.47065/ekuitas.v4i4.3221","url":null,"abstract":"This study aims to examine the effect of financial literacy and financial inclusion on the performance of MSMEs. This research is a quantitative research that uses primary data with data collection techniques through questionnaires that are distributed directly to MSMEs in Aru Islands Regency, Maluku. Data processing was carried out using multiple linear regression analysis. The results in this study indicate that financial literacy has a positive effect on the performance of MSMEs and financial inclusion does not affect the performance of MSMEs. Implications of the research for MSMEs who have the ability and knowledge to manage finances effectively wiil be able to improve the performance of the businesses they run and the result of this research are used as input for MSMEs to pay attention to financial literacy and financial inclusion to improve the current performance.","PeriodicalId":189604,"journal":{"name":"Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)","volume":"94 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124595086","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-05-29DOI: 10.47065/ekuitas.v4i4.3376
Rocky Francis Hunila, S. Utomo, Niluh Gede Annila Pradyani
This journal aims to analyze the feasibility of investing in mass transportation development project in Indonesia, specifically LRT Jabodebek project using Capital Budgeting method. The author conducted an investment feasibility analysis using four Capital Budgeting methods, which consist of Payback Period (PP), Net Present Value (NPV), Profitability Index (PI), and Internal Rate of Return (IRR). In addition, there is also a sensitivity analysis to measure the impact of important variable changes on the analysis results. The analysis results show that the LRT Jabodebek project is a feasible project to continue, which indicated by PP duration of 22.59 years, NPV above 11 trillions rupiahs, PI of 1.42, and IRR of 8.09%. Sensitivity analysis shows that LRT Jabodebek project is still in the feasible category after being recalculated by applying several scenarios. This journal is expected to have significant implications for decision-makers and stakeholders in the public transportation investment sector in Indonesia.
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