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The Influence of the Implementation of SIMDA Finance, Competence and Training on Employee Performance at the Surakarta DPRD Secretariat 在雅加达DPRD秘书处实施SIMDA财务、能力和培训对员工绩效的影响
Pub Date : 2022-01-24 DOI: 10.36778/jesya.v5i1.673
I. Irwanto, S. Nurlaela, Agni Astungkara
Performance is the process of someone's behavior to create something that is the goal of his work. Performance can be affected by a number of factors, including the implementation of SIMDA finance, competence and training. This study aims to determine the effect of implementing SIMDA finance, competence and training on employee performance. This research is quantitative. The number of samples is 60 employees at the Surakarta DPRD Secretariat who were selected using saturated sampling. Multiple linear regression analysis was used as a data analysis technique. This research is indicated by the results of t arithmetic > t table (2,638 > 2.003) and sig. of 0.011 <0.05, meaning that it accepts H1, meaning that the implementation of financial SIMDA has an effect on employee performance. So that there is a significant influence between the implementation of financial SIMDA on the performance of the Surakarta DPRD secretariat employees, which is proven to be true. The results of the calculation of the value of t arithmetic > t table (5.259 > 2.003) and sig. of 0.000 <0.05, meaning that it accepts H2, namely competence has an effect on employee performance. So that there is a significant influence between competence on the performance of the Surakarta DPRD secretariat employees, which is proven to be true. The calculation value of t count > t table (3.517 > 2.003) and sig. of 0, < 0.05, it means accepting H3, that is, training has an effect on employee performance. So that there is a significant influence between competence on the performance of the Surakarta DPRD secretariat employees, which is proven to be true. The conclusion of this study is that the application of SIMDA finance, competence, and training has a significant positive effect on employee performance at the Surakarta DPRD secretariat.
绩效是一个人创造某种东西的行为过程,这是他工作的目标。业绩可能受到若干因素的影响,包括SIMDA财务、能力和培训的执行情况。本研究旨在确定实施SIMDA财务、胜任力和培训对员工绩效的影响。这项研究是定量的。样本的数量是使用饱和抽样方法选择的60名泗水DPRD秘书处雇员。采用多元线性回归分析作为数据分析技术。本研究通过t算术> t表(2638 > 2.003)、t表(5.259 > 2.003)、t表(0.000 > 3.517 > 2.003)、t表(0.011)、t表(0.000)、t表(3.517 > 2.003)、t表(0.000)、t表(0.000)、t表(0.000)、t表(3.517 > 2.003)的结果表明,sig为0,< 0.05,表示接受H3,即培训对员工绩效有影响。因此,能力对泗水DPRD秘书处员工的绩效有显著的影响,这被证明是正确的。本研究的结论是SIMDA财务、胜任能力和培训的应用对泗水DPRD秘书处的员工绩效有显著的正向影响。
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引用次数: 0
Kinerja Karyawan dan Faktor-Faktor yang Mempengaruhinya pada Karyawan Bank Perkreditan Rakyat (BPR) di Batam 员工表现以及影响巴淡人民银行(BPR)员工的因素
Pub Date : 2022-01-21 DOI: 10.36778/jesya.v5i1.670
Y. Yuswardi, Indra Wanto
Keberadaan manajemen sumber daya manusia dalam sebuah perusahaan untuk menghasilkan karyawan yang terampil dalam bekerja karena karyawan merupakan aset penting bagi operasional dan kemajuan perusahaan. Pengelolaan sumber daya manusia (SDM) dengan baik sangat dibutuhkan agar semua kegiatan dan akitivitas perusahaan dapat berjalan dengan baik dan sesuai harapan. Penelitian ini dilakukan dengan penyebaran kuesioner untuk mendapatkan data yang berguna dalam pengujian data untuk menguji hipotesis penelitian. Kuesioner disebarkan pada karyawan Bank Perkreditan Rakyat (BPR) di Batam. Hasil penelitian ini membuktikan bahwa semua hipotesis penelitian terbukti dan didukung oleh hasil uji. Semua variabel independen berpengaruh sinifikan positif pada kinerja karyawan sebagai dependen
人力资源管理的存在,使员工在工作中变得熟练,因为员工是公司运营和进步的重要资产。良好的人力资源管理(人力资源)是必不可少的,使公司的所有活动和行动都能顺利和预期。本研究通过提交问卷调查来获得有用的数据来测试研究假设。调查问卷在巴淡向公共信贷银行(BPR)的员工发放。本研究结果证明,所有研究假设都得到了测试结果的证实和支持。所有独立变量对员工作为依赖的表现都有积极的影响
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引用次数: 1
DAMPAK KUALITAS, PERSEPSI KONSUMEN DAN BRAND IMAGE TERHADAP KEPUTUSAN PEMBELIAN PRODUK ENDORSEMENT 质量、消费者感知和品牌形象对购买endorment产品的决定的影响
Pub Date : 2022-01-20 DOI: 10.36778/jesya.v5i1.667
Lila Kaban, Rifin Khong
Penelitian ini bertujuan untuk melihat seberapa besar dampak kualitas produk, persepsi konsumen dan brand image terhadap keputusan pembelian produk endorsement pada masyarakat di Medan dengan menggunakan word of mouth sebagai variabel moderasi. Sampel penelitian ini adalah sebesar 100 orang responden dengan teknik analisis data menggunakan analisis jalur (path analysis). Hasil dari penelitian ini menunjukkan kualitas produk, persepsi konsumen dan brand image berpengaruh terhadap keputusan pembelian produk endorsement pada masyarakat di Medan. Lebih lanjut, word of mouth tidak memoderasi kualitas produk terhadap keputusan pembelian dan juga tidak memoderasi persepsi konsumen terhadap keputusan pembelian namun word of mouth memoderasi brand image terhadap keputusan pembelian produk endorsement bagi masyarakat di Medan.
本研究旨在了解产品质量、消费者感知和品牌形象对Medan社区购买endorsement产品的决定的影响有多大,该产品使用“嘴”作为温和变量。本研究样本为100名接受数据分析技术分析的受访者。这项研究的结果表明,产品的质量、消费者的感知和品牌形象影响了棉兰产品购买决定的影响。此外,“口碑”并不能降低产品对购买决定的质量,也不能降低消费者对购买决定的看法,但“口碑”则使品牌形象反映了为棉兰人民购买endorsement产品的决定。
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引用次数: 0
TEORI MAQASHID AL-SYARI’AH DAN PENERAPANNYA PADA PERBANKAN SYARIAH
Pub Date : 2022-01-20 DOI: 10.36778/jesya.v5i1.629
M. Z. A. Nst, N. Nurhayati
Maqashid Al-Syari’ah bertujuan untuk mencapai kemaslahatan dan mencegah kemudharatan dalam kegiatan ekonomi Maqashid Al-Syari’ah berguna dalam pembangunan ekonomi yang membahas tentang masalah ekonomi, fenomena ekonomi, dan merumuskan suatu kebijakan. Ulama-ulama klasik maupun kontemporer banyak yang memberikan pendapat mengenai maqashid al-syariah, namun al-syatibi merupakan teori yang paling terkenal. Teori Maqashid Al-Syari’ah sendiri bermakna sebagai inti dalam menganalisis ekonomi yang membahas tentang kemiskinan, distribusi kekayaan, dan membangun ekonomi. Dalam hal ini yang ingin dicapai Maqashid Al-Syari’ah adalah penghilangan segala permasalahan ekonomi untuk mencapai kehidupan yang sejahtera Dalam penerapannya pada sistem keuangan islam Maqashid Al-Syari’ah sebagai inti dalam keberlangsungan kegiatan ekonomi karena tanpa Maqashid Al-Syari’ah keuangan islam kehilangan substansi syariahnya. Tujuan penelitian ini adalah melihat dan mengetahui bagaimana teori maqashid al-syari’ah dan penerapannya pada perbankan syariah. Metode yang digunakan adalah penelitian perpustakaan (library research) ,Peneliti mencari sumber-sumber yang berasal dari buku,jurnal dan artikel yang berkaitan dengan maqashid al syariah yang selanjutnya setelah diproleh peneliti mengolah data dengan mengaitkannya pada fenomena yang ada di perbankan syariah pada umumnya. Hasil Penelitian menunjukan bahwa pererapan Maqashid al-syari’ah pada perbankan syariah sudah sesuai dengan memerhatikan indikator pada maqashid al-syari’ah yaitu agama (al-din), jiwa (al-nafs),akal (al-‘aql),harta (al-mal),dan keturunan (al-nasl). Begitu juga pada Investasi dengan Akad Mudharabah, pada Jaminan dalam Akad Mudharabah dan Musyarakah, Pada Transaksi Multi Akad, Pada Rahn dan Pemanfaatan Marhun (Barang Gadai), Pada Jual Beli Emas Secara Tidak Tunai.
Maqashid Al-Syari的目标是实现健康状况,防止Maqashid Al-Syari的经济活动在经济发展中有所帮助,这些问题涉及经济问题、经济现象,并制定政策。古典和当代学者对伊斯兰教持不同意见,但al-syatibi是最著名的理论。马克萨里理论是分析贫穷、财富分配和经济发展的经济的核心。如果没有Maqashid Al-Syari伊斯兰金融体系作为经济运行的核心,Maqashid Al-Syari伊斯兰金融体系就失去了它的伊斯兰金融实质。这项研究的目的是要了解和了解马克希德·伊斯兰教的理论如何适用于伊斯兰银行。使用的方法是图书馆研究,研究人员从与伊斯兰银行相关的书籍、日记和文章中寻找资源,这些资料是在研究人员处理数据后通过将其与普遍存在的伊斯兰银行现象联系起来的。研究发现,伊斯兰银行的宗教(al-din)、灵魂(al- nes)、理性(al- aql)、财富(al-mal)和后代(al-nasl)等指标都符合伊斯兰银行的标准。与阿卡德·穆达拉巴的投资也是如此,关于阿卡德·穆达拉巴和穆什卡德的担保,关于多阿卡德的交易,关于拉恩和马洪(当铺)的利用,关于用现金出售黄金。
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引用次数: 6
PENGARUH KEPEMIMPINAN, LINGKUNGAN KERJA, DAN FASILITAS KANTOR TERHADAP KINERJA PERANGKAT DESA DI KECAMATAN KAMPAR 领导、工作环境和办公室设施对周边村庄设备性能的影响
Pub Date : 2022-01-17 DOI: 10.36778/jesya.v5i1.658
D. Wahyudi, Abshor Marantika, Yusup Yusup
Organizations in achieving goals with all the processes require a leadership role. Through capable leaders, they can directly monitor and direct and provide positive input for their employees. This will raise the interest of employees to work harder and produce maximum work results. The work environment needs to be considered to improve performance, because agencies that have a good and comfortable work environment will motivate their employees to work more enthusiastically and passionately. In addition, work facilities are also very necessary in improving the performance of village officials, with complete work facilities, it is hoped that it will be very helpful in completing office tasks so that the resulting performance will be maximal. The purpose of this study was to determine whether there was an influence of leadership, work environment, and office facilities on the performance of village officials in Kampar District. The population in this study were all village officials in the Kampar sub-district, as many as 189 village officials. While the samples taken were 128 village officials obtained from the Slovin formula with an error rate of 5%. The data collection method used in this research is using a questionnaire/questionnaire. Data analysis used descriptive percentage analysis method, multiple linear regression analysis, classical assumption test analysis, and hypothesis testing analysis with the help of SPSS program. The results of this study are that there is a positive and significant influence of leadership, work environment and office facilities on the performance of village officials in Kampar District. Suggestions in this study are suggested to village officials to optimize the use of windows as air ventilation and village office buildings in Kampar District need to be equipped with soundproofing. In addition, it is recommended that the village head completes and repairs social facilities that are felt to be lacking or have been damaged.
组织在实现所有过程的目标时需要一个领导角色。通过有能力的领导者,他们可以直接监督和指导员工,并为员工提供积极的投入。这将提高员工的工作兴趣,更努力地工作,并产生最大的工作成果。工作环境需要考虑到提高绩效,因为有一个良好和舒适的工作环境的机构会激励他们的员工更加热情和热情地工作。此外,工作设施对于提高村官的绩效也是非常必要的,有了完善的工作设施,希望对完成办公任务有很大的帮助,从而使所产生的绩效达到最大化。本研究的目的是确定领导、工作环境和办公设施是否对Kampar地区村官的绩效有影响。本研究的人口均为Kampar街道的村官,多达189名村官。样本为128名村干部,采用斯洛文公式计算,误差率为5%。本研究使用的数据收集方法是使用问卷调查。数据分析采用描述性百分比分析法、多元线性回归分析法、经典假设检验分析法、假设检验分析法,并借助SPSS软件进行假设检验分析。本研究的结果是,领导、工作环境和办公设施对Kampar区村官的绩效有显著的正向影响。本研究建议村干部优化利用窗户通风,并建议Kampar区的村办建筑应加装隔音设施。此外,建议村长完成和修理被认为缺乏或已被损坏的社会设施。
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引用次数: 0
Pengaruh Penerbitan Surat Berharga Syariah Negara (SBSN) dan Faktor Eksternal Terhadap Profitabilitas Perbankan Syariah di Indonesia 伊斯兰教法债券(SBSN)的发布,以及伊斯兰银行盈利能力的外部因素
Pub Date : 2022-01-16 DOI: 10.36778/jesya.v5i1.643
Muhammad Suhaidi
Profitabilitas perusahaan dapat diartikan sebagai prospek atau masa depan,  banyak faktor yang dapat mempengaruhi tingkat profitabilitas suatu perusahaan, sehingga perusahaan dituntut untuk melakukan upaya agar memperoleh profit yang maksimal. Salah satu indikator profitabilitas perusahaan dapat di lihat dari nilai Return On Asset perusahaan itu sendiri.  Dari latar belakang masalah di atas, penelitian ini dilakukan untuk mengetahui pengaruh penerbitan SBSN terhadap profitabilitas Perbankan Syariah di Indonesia, untuk mengetahui pengaruh Inflasi terhadap profitabilitas Perbankan Syariah di Indonesia, mengetahui pengaruh BI Rate  terhadap profitabilitas Perbankan Syariah di Indonesia, mengetahui pengaruh Kurs Rupiah terhadap profitabilitas Perbankan Syariah di Indonesia dan untuk mengatahui pengaruh penerbitan SBSN, Inflasi, BI Rate dan Kurs Rupiah terhadap profitabilitas Perbankan Syariah di Indonesia. Jenis penelitian ini adalah penelitian kuantitatif. Sumber data dalam penelitian ini bersumber dari data-data sekunder. Teknik pengumpulan data menggunakan studi dokumentasi berupa Statistik perkembangan Bank Umum Syariah di Indonesia yang menerbitkan SBSN dan data-data yang dipublikasikan oleh Bursa Efek Indonesai dan Otoritas Jasa Keuangan serta Bank Indonesia. Sedangkan teknik analisis data dalam penelitian ini menggunakan teknik analisis uji secara parsial dan secara berganda. Berdasarkan hasil penelitian dapat disimpulkan bahwa Secara Parsial, pertama, penerbitan SBSN memiliki pengaruh yang positif terhadap Return On Asset Bank Umum Syariah di Indonesia. Kedua, Inflas memiliki pengaruh Signifikan terhadap Return On Aset Bank Umum Syariah di Indonesia. Ketiga, BI Rate memiliki pengaruh terhadap Return On Aset serta Kurs Rupiah memiliki berpengaruh positif secara signifikan terhadap terhadap Return On Aset Bank Umum Syariah di Indonesia. Adapun secara simultan penerbitan SBSN, Inflasi, BI. Rate dan Kurs Rupiah memiliki pengaruh positif dan signifikan terhadap Return On Aset Bank Umum Syariah di Indonesia
企业盈利能力可以被定义为一种前景,也可以是一种未来,许多因素可能会影响企业的盈利能力水平,从而要求企业作出最大的盈利能力。企业盈利能力的一个指标可以从其公司资产本身的回报价值中看出。研究背景的问题上,这是为了知道SBSN出版对印尼伊斯兰银行业的盈利能力的影响,让我知道通货膨胀对印尼伊斯兰银行业的盈利能力的影响,发现BI速率对印尼伊斯兰银行业的盈利能力的影响,知道印尼卢比汇率对伊斯兰银行业的盈利能力的影响和查看SBSN出版、通货膨胀的影响印度伊斯兰银行盈利能力的卢比卢比。这类研究是定量研究。本研究的数据来源是次要数据。数据收集技术采用了文献研究的印尼伊斯兰公共银行发展统计数据,该银行发布了印尼证券交易所和金融服务机构和银行公布的数据。而本研究的数据分析技术采用的是部分和多倍的测试分析技术。根据研究结果,可以得出结论,首先,SBSN的部分发行对印尼伊斯兰一般银行资产回归产生了积极的影响。其次,Inflas对印尼伊斯兰公共银行资产回归产生了重大影响。第三,BI Rate对资产回报率和印尼盾卢比的回报率产生了显著的影响。至于BI同时SBSN出版、通货膨胀。速率和卢比汇率有积极和显著的影响印尼归来在伊斯兰银行公共资产
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引用次数: 0
PENGARUH KOMPETENSI DAN PELATIHAN TERHADAP TINGKAT KELULUSAN SERTIFIKASI GURU DAN DAMPAKNYA PADA KINERJA GURU PADA SMA NEGERI DI BANGKINANG KOTA 教师资格和培训对教师证书水平的影响以及对班金郎市公立高中教师表现的影响
Pub Date : 2022-01-15 DOI: 10.36778/jesya.v5i1.655
Z. Zulfahmi, Abshor Marantika, Zulher Zulher
This study aims to determine the effect of competence and training on the passing rate of teacher certification and its impact on teacher performance at SMA Negeri in Bangkinang Kota. The population in this study were all teachers of SMAN 1 Bangkinang Kota and teachers of SMAN 2 Bangkinang Kota which were known to be 112 teachers. In this study, the entire population was sampled, so the number of samples in this study amounted to 112 respondents, the sampling technique was called the saturated census technique. The types and sources of data used in this study are primary data and secondary data. Data collection techniques in this study used a questionnaire, research files and interviews and data analysis techniques used in this study used descriptive analysis, questionnaire feasibility test and structural equation analysis with data analysis using Structural Equation Modeling (SEM). The results showed that competence had an effect on the passing rate of teacher certification at SMA Negeri in Bangkinang Kota, training had an effect on the passing rate for teacher certification at SMA Negeri in Bangkinang Kota, competence had an effect on teacher performance at SMA Negeri in Bangkinang Kota, training had an effect on teacher performance in SMA Negeri in Bangkinang Kota and the passing rate of teacher certification have an effect on teacher performance at SMA Negeri in Bangkinang Kota.
本研究旨在确定能力和培训对曼谷哥打州SMA Negeri教师资格认证合格率的影响及其对教师绩效的影响。本研究的人群均为sman1 Bangkinang Kota的教师和sman2 Bangkinang Kota的教师,已知为112名教师。在本研究中,对整个人口进行抽样,因此本研究的样本数量为112名受访者,抽样技术称为饱和普查技术。本研究中使用的数据类型和来源是主要数据和次要数据。本研究的数据收集技术采用问卷调查、研究档案和访谈,数据分析技术采用描述性分析、问卷可行性检验和结构方程分析,数据分析采用结构方程模型(SEM)。结果表明,胜任力对曼谷哥打市小学教师资格认证合格率有影响,培训对曼谷哥打市小学教师资格认证合格率有影响,胜任力对曼谷哥打市小学教师绩效有影响。培训对曼谷哥打州SMA Negeri教师绩效有影响,教师认证合格率对曼谷哥打州SMA Negeri教师绩效有影响。
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引用次数: 0
Perilaku dalam pemanfaatan communication technology pada UMKM di kota Boyolali dengan pendekatan UTAUT 在Boyolali镇UMKM上使用通信技术的行为与UTAUT方法
Pub Date : 2022-01-15 DOI: 10.36778/jesya.v5i1.657
Fanny Hendro Aryo Putro, F. Wulandari, Donna Setiawati
Para pelaku bisnis UMKM harus mampu mempertahankan usahanya agar tidak bangkrut dengan memanfaatkan teknologi yang ada. Pandemi membuat keadaan harus berjalan dengan aturan protokol kesehatan. Aturan menjaga jarak membuat konsumen kesulitan untuk memenuhi kebutuhannya secara leluasa, begitupun dengan pelaku usaha kesulitan menjual produknya. Dengan adanya teknologi yang dapat digunakan seperti media sosial dapat sebagai sarana pemasaran dan promosi. Tujuan penelitian ini untuk mengetahui sejauhmana penggunaan teknologi komunikasi dengan pendekatan UTAUT (Unified Theory Of Acceptance And Use Of Technology) pada UMKM khususnya yang mengolah produk dari bahan sapi. UMKM yang dipilh pada penelitian ini yaitu Abon Gajah Inggil. UTAUT merupakan sebuah model untuk menjelaskan perilaku pengguna terhadap teknologi informasi. Metode Penelitian yang digunakan adalah deskriptif dengan pendekatan kualitatif untuk memperoleh informasi yang lebih mendalam dari key informant. Tahapan penelitiannya antara lain perencanaan, pengumpulan data, analisa serta kesimpulan dan rekomendasi. Hasil penelitian menyatakan pemanfaatan media sosial seperti WA dan IG sangat berperan dalam peningkatan kinerja UMKM khususnya bidang promosi yang menjadikan produk dikenal lebih luas. Pelaku usaha tetap memanfaatkan media WA dan IG karena mudah digunakan dan merasa yakin untuk terus menerus memanfaatkan media tersebut. Hal ini karena adanya bantuan dari pihak ketiga serta adanya dukungan dari internal perusahaan dalam menyiapkan baik perangkat keras maupun jaringan internetnya Hasil penelitian ini berkontribusi bahwa dengan memanfaatkan teknologi akan dapat meningkatkan omset penjualan.
UMKM的企业必须能够通过使用现有的技术来保持企业的破产。大流行使得一切都必须按照卫生协议的规则进行。保持距离的规则使消费者难以自由地满足其需求,而企业难以出售其产品。有了这些可以作为营销和营销工具的社交媒体技术。这项研究的目的是确定在主要生产牛制品的UMKM中,与技术联合使用通信技术的方法。这项研究的UMKM是一种灵长类动物。UTAUT是一种描述信息技术用户行为的模型。所使用的研究方法是描述性的,通过定性的方法获得更深入的信息。他的研究阶段包括计划、数据收集、分析、结论和建议。研究结果表明,WA和IG等社交媒体的利用在提高UMKM的性能方面发挥了重要作用,尤其是提高了产品的推广领域。企业人士继续使用媒体WA和IG,因为他们很容易使用,而且有信心继续使用媒体。这是因为第三方的帮助,以及公司内部对硬件和网络的支持,本研究的结果表明,利用技术将有助于提高销售营业额。
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引用次数: 1
PENGARUH MOTIVASI TERHADAP KINERJA KARYAWAN DENGAN KOMITMEN ORGANISASI SEBAGAI VARIABEL INTERVENING PADA UPT SUNGAI DUKU PEKANBARU 动机对员工绩效的影响,其组织承诺为河滨纽带来的变化
Pub Date : 2022-01-15 DOI: 10.36778/jesya.v5i1.656
Ali Umar, Suarni Norawati
Performance appraisal is an important thing for every leader of an organization, both public and private organizations. Many factors affect performance either directly or indirectly. This research was conducted at UPT Sungai Duku Pekanbaru and this study aims to determine the effect of motivation on performance, motivation on organizational commitment and the effect of organizational commitment on performance. This study uses primary data and secondary data, where primary data were obtained from seventy-three employees as samples. Data was collected by means of interviews, questionnaires and documentation. Data analysis was carried out using the SEM (Structural Equition Model) method and assisted by the SmartPLS version 3.00 program. The results of this study conclude that there is a significant influence of the motivational variable on performance, a significant influence of motivation on organizational commitment and there is a significant influence of organizational commitment on performance.
绩效评估对一个组织的每个领导者来说都是一件重要的事情,无论是公共组织还是私人组织。许多因素直接或间接地影响性能。本研究在UPT Sungai Duku Pekanbaru进行,本研究旨在确定动机对绩效的影响,动机对组织承诺的影响以及组织承诺对绩效的影响。本研究采用一手数据和二次数据,其中一手数据以73名员工为样本。通过访谈、问卷调查和文件收集数据。数据分析采用SEM(结构方程模型)方法,并辅以SmartPLS 3.00版本程序。本研究结果表明,动机变量对绩效有显著影响,动机变量对组织承诺有显著影响,组织承诺对绩效有显著影响。
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引用次数: 11
PENGARUH LITERASI KEUANGAN, KONTROL DIRI, DAN PENGGUNAAN E-MONEY TERHADAP PERILAKU KONSUMTIF PEKERJA PRODUKSI PT PERTAMINA BALIKPAPAN 金融素养、自我控制和使用E-MONEY对PT pertamination production工人消费行为的影响
Pub Date : 2022-01-13 DOI: 10.36778/jesya.v5i1.574
Hermin Nainggolan
This study aims to determine the effect of financial literacy, self control, and e-money usage on consumptive behavior of PT Pertamina Balikpapan production workers. Consumptive behavior (Y) is the dependent variable while financial literacy (X1), self control (X2), and e-money usage (X3) are independent variables. The results of the classical assumption test state that this study is free from multicollinearity, autocorrelation, heteroscedasticity, and is normally distributed. The results of multiple linear regression obtained the results Y = 14,883 - 0,354X1 - 0,173X2 + 0,303X3 + e. The results of hypothesis testing with the f test show the results of f count (26,139) > f table (2,67) and the significance level is 0,000 < 0.05, so the first hypothesis is accepted. While the results of the t test show that partially financial literacy is the most dominant independent variable with the results of -t count (-4,454) < -t table (-1,9785) and the significance level is 0,00 < 0,05 so the second hypothesis is accepted. The coefficient of determination showed R2 = 0.364, which means contribution of independent variables 36.4%, while the remaining 63.6% is explained by other variation that is not examined in this study.  
本研究旨在探讨金融素养、自我控制和电子货币使用对PT Pertamina Balikpapan生产工人消费行为的影响。消费行为(Y)为因变量,理财素养(X1)、自我控制(X2)、电子货币使用(X3)为自变量。经典假设检验的结果表明,本研究不存在多重共线性、自相关和异方差,且呈正态分布。多元线性回归的结果得到Y = 14,883 - 0,354X1 - 0,173X2 + 0,303X3 + e。用f检验的假设检验结果显示f count (26,139) > f table(2,67)的结果,显著性水平为0,000 < 0.05,因此接受第一假设。而t检验结果显示,部分金融素养是最主要的自变量,结果为-t count (-4,454) < -t table(-1,9785),显著性水平为0,00 < 0,05,因此接受第二个假设。决定系数R2 = 0.364,自变量贡献36.4%,其余63.6%由其他变异解释,本研究未对其进行检验。
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引用次数: 6
期刊
Equilibrium Jurnal Ekonomi Syariah
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