Pengaruh Literasi Keuangan Terhadap Keputusan Keuangan Dan Perilaku Keuangan Sebagai Variabel Intervening Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Palangka Raya

Kurniawan, Hengky; Nurwati, Solikah; Sarlawa, Rita

doi:10.52300/jmso.v1i1.2372

Cited by 4 publications

(8 citation statements)

References 3 publications

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“…This means that with increasing knowledge of Islamic finance, the investment decisions of FEM IPB University students will also increase. The results are consistent with Kurniawan et al (2019) and Upadana and Herawati (2020). Pranyoto et al (2018) also found the same thing, namely financial understanding has direct implications for individual investment decision making.…”

Section: Hypothesis Interpretationsupporting

confidence: 71%

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Islamic Financial Literacy and Its Influence on Student Financial Investment and Behavior

Rahman¹,

Arsyianti²

2021

Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah

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Abstract. The Financial Services Authority survey 2019 shows an Islamic financial literacy rate of 8.93% and has not been evenly distributed in every sector, especially in the capital market. The capital market Islamic financial inclusion index also has the lowest among other sectors. This study aims to analyze the level of Islamic financial literacy of students of the FEM IPB University and its influence on investment decisions through financial behavior with descriptive analysis and SEM-PLS methods. The results show the average level of Islamic financial literacy of respondents is 81.17%. Islamic financial literacy influences investment decisions and financial behavior. Then, financial behavior directly influences investment decisions. It also mediates the influence of Islamic financial literacy on investment decisions. The other finding indicates that gender has no influence, while income has a positive and significant effect on investment decisions.Keywords: Financial Behavior, Investment Decision, Islamic Financial Literacy, SEM-PLS Abstrak. Survei Otoritas Jasa Keuangan 2019 menunjukkan tingkat literasi keuangan syariah sebesar 8,93% dan belum merata di setiap sektornya terutama pada pasar modal. Indeks inklusi keuangan syariah pasar modal juga memiliki nilai terendah di antara sektor lain. Penelitian ini bertujuan menganalisis tingkat literasi keuangan syariah mahasiswa FEM IPB University dan pengaruhnya terhadap keputusan investasi melalui perilaku keuangan dengan metode analisis deskriptif dan SEM-PLS. Hasil penelitian menunjukkan rata-rata tingkat literasi keuangan syariah responden adalah 81,17%. Literasi keuangan syariah berpengaruh terhadap keputusan investasi dan perilaku keuangan, kemudian perilaku keuangan berpengaruh langsung terhadap keputusan investasi dan mampu memediasi pengaruh literasi keuangan syariah terhadap keputusan investasi. Ditemukan pula bahwa jenis kelamin tidak memiliki pengaruh, sementara pendapatan berpengaruh positif dan signifikan terhadap keputusan investasi.Kata kunci: Literasi Keuangan Syariah, Keputusan Investasi, Perilaku Keuangan, SEM-PLS

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Section: Hypothesis Interpretationsupporting

confidence: 71%

“…Then, the direction of a positive relationship is also obtained, namely the more positive the student's financial behavior, the more appropriate investment decisions are made. Research Kurniawan et al (2019) and research Upadana and Herawati (2020) also identify the same.…”

Section: Hypothesis Interpretationmentioning

confidence: 75%

Islamic Financial Literacy and Its Influence on Student Financial Investment and Behavior

Rahman¹,

Arsyianti²

2021

Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah

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“…Perputaran modal kerja adalah salah satu rasio untuk mengukur atau menilai keefektifan modal kerja perusahaan selama periode tertentu [10,16]. Rasio ini menunjukkan banyaknya penjualan modal kerja yang mungkin disebabkan rendahnya persediaaan, piutang atau adanya saldo kas yang terlalu besar [8,9,16]. Perputaran modal kerja adalah rasio yang digunakan untuk mengukur kemampuan perusahaan dalam menghasilkan penjualan atau pendapatan.…”

Section: Rasio Perputaran Modal Kerjaunclassified

“…Jumlah kas yang ada dalam perusahaan hendaknya tidak kurang dari 5%-10% dari jumlah aset lancar. Sehingga dapat dikatakan semakin tinggi perputaran kas maka dapat dikatakan semakin baik karena berarti semakin tinggi efisiensi penggunaan kasnya [8,14]. Berdasarkan uraian diatas maka dapat dijelaskan rasio perputaran kas adalah rasio yang digunakan untuk mengukur kemampuan perusahaan dalam menghasilkan pendapatan dengan rumus membandingkan pendapatan bersih dengan kas seperti nampak dibawah ini.…”

Section: Rasio Perputaran Kasunclassified

“…Sejalan dengan pendapat [7,8] yang menyatakan modal kerja merupakan salah satu unsur aktiva yang sangat penting dalam perusahaan karena tanpa modal kerja perusahaan tidak dapat memenuhi kebutuhan untuk menjalankan aktivitasnya. Tersedianya modal kerja yang segera dapat digunakan dalam operasi tergantung pada tipe atau sifat dari aktiva lancar yang dimiliki seperti : kas, efek, piutang, dan persediaan [8,9]. Pengelolaan modal kerja yang maksimal akan mampu meningkatkan laba usaha perusahaan.…”

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Penilaian Struktur Modal Dan Pengelolaan Modal Kerja

Permoni

Trisnadewi

Somayasa

2021

jemba

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The purpose of this study is to determine the assessment of capital structure and working capital management at the Mukti Singaraja Savings and Loan Cooperative. The data collection techniques used in this study used documentation techniques, namely financial statement data from 2014-2019. The data analysis technique used in this research is descriptive technique by calculating financial ratios first which is followed up with the analysis. The results of this study explain that the working capital turnover ratio has been very productive from year to year because the ratio is always above 100%. The cash turnover ratio is very efficient because the value of this ratio is above 100% even though the dominant cash turnover ratio value has decreased. The management of accounts receivable ratio which is assessed from the turnover of accounts receivable is very efficient because the value of accounts receivable turnover is always above the standard even though the dominant accounts receivable turnover ratio has decreased. The results of this study explain that the capital structure ratio based on assessment standards (Regulation of the Minister of Cooperatives and SMEs of the Republic of Indonesia No. 06 / Per / M.KUKM / V / 2006) is classified as bad. It can be seen that the DAR ratio value from year to year is always above the standard (> 80%), but it is always followed by an increase in the achievement of SHU. The assessment of the DER ratio is not good because the value of the DER ratio is always above the standard (> 200%) but this condition is always followed by an increase in the achievement of SHU

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Millennials’ Investment Decision in Capital Market Investment With Financial Behavior as An Intervening Variable

Ramadani

Tubastuvi

Fitriati

et al. 2023

REAKSI

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This study aims to analyze the influence of financial literacy, financial experience, financial self-efficacy and risk tolerance on investment decisions mediated by financial behavior. The population in this study were local individual investors in the Indonesian Capital Market. Sample selection in this study was carried out using purposive sampling techniques. The sample used in this study was 300 samples. The data analysis techniques used in this study are descriptive statistical analysis, instrument testing, classical assumption test, multiple linear regression analysis, model fit test, and hypothesis test. The results of the study show that financial literacy, financial experience and financial self-efficacy have a positive effect on financial behavior. Risk tolerance does not have a positive impact on financial behavior. Financial literacy, financial self-efficacy, risk tolerance and financial behavior positively influence investment decisions. Financial experience has no positive effect on investment decisions. Financial behavior has proven to be able to mediate the influence of financial literacy, financial experience and financial self-efficacy on investment decisions. Financial behavior has proven unable to mediate the effect of risk tolerance on investment decisions.

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Pengaruh Literasi Keuangan Terhadap Keputusan Keuangan Dan Perilaku Keuangan Sebagai Variabel Intervening Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Palangka Raya

Cited by 4 publications

References 3 publications

Islamic Financial Literacy and Its Influence on Student Financial Investment and Behavior

Islamic Financial Literacy and Its Influence on Student Financial Investment and Behavior

Penilaian Struktur Modal Dan Pengelolaan Modal Kerja

Millennials’ Investment Decision in Capital Market Investment With Financial Behavior as An Intervening Variable

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