Jurnal Activa

PENGARUH LIFE STYLE, FINANCIAL LITERACY, LOVE OF MONEY DAN FINTECH PAYMENT TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA MAHASISWA POLITEKNIK NEGERI SAMARINDA JURUSAN AKUNTANSI

felixiarenitaagnas — Thu, 08 May 2025 08:57:37 +0700

This research aims to determine whether there is an influence of Life Style, Financial Literacy, Love of Money and Fintech Payment on Financial Management Behavior in Samarinda State Polytechnic Students majoring in Accounting. This research uses quantitative methods. The data collection technique in this research uses offline questionnaire distribution techniques with a sample of 265 respondents. The data analysis techniques that researchers use include Validity Test, Reliability Test, Classical Assumption Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Multiple Linear Regression Test, t Test, f Test, Correlation and Determination Coefficient Test, and use IBM SPPS Version 23 Software The results of this research show: (1) Life Style does not significantly influence Financial Management Behavior. With a significant value of 0.395 > 0.05. (2) Financial Literacy has a significant effect on Financial Management Behavior. With a significant value of 0.000 <0.05. (3) Love of Money has no significant effect on Financial Management Behavior. With a significant value of 0.287 > 0.05. (4) Fintech Payment has a significant effect on Financial Management Behavior. With a significant value of 0.000 <0.05. (5) Life Style, Financial Literacy, Love of Money and Fintech Payment have a significant effect on Financial Management among Samarinda State Polytechnic Students majoring in Accounting with a significant value of 0.000 < 0.05.

PENGARUH KUALITAS PELAYANAN, KEMUDAHAN, KEPERCAYAAN DAN PENANGANAN KELUHAN TERHADAP LOYALITAS DENGAN KEPUASAN NASABAH SEBAGAI VARIABEL INTERVENING PADA BANK BRI UNIT KM 1 LOA JANAN

hanahayati — Thu, 08 May 2025 09:08:46 +0700

This study aims to determine the influence of service quality, convenience, trust and complaint handling on loyalty with customer satisfaction as an intervening variable in Bank BRI Unit KM 1 Loa Janan to find out which variables are dominant between the four variables.

The method used in this study is a quantitative approach, with the Partial Least Square (PLS) model. The respondents in this study are customers of Bank BRI Unit KM 1 Loa Janan with customer qualifications who have and are using Bank BRI Unit KM 1 Loa Janan. The number of samples in this study is 132 respondents.The results of this study show that (1) the effect of service quality on customer satisfaction is significant, (2) the effect of convenience on customer satisfaction is not significant, (3) the influence of trust on customer satisfaction is significant, (4) the effect of complaint handling on customer satisfaction is significant, (5) the effect of service quality on loyalty is significant, (6) the effect of convenience on loyalty is significant, (7) the influence of trust on loyalty is not significant, (8) the effect of complaint handling on loyalty is not significant and (9) the effect of customer satisfaction on loyalty is significant.

PENGARUH STRUKTUR MODAL, PROFITABILITAS, DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN SUBSEKTOR PERDAGANGAN RETAIL YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2019-2023

madinaharfani — Thu, 08 May 2025 00:00:00 +0700

This research aims to examine the influence of capital structure, profitability and company size on company value in retail trade subsector companies listed on the Indonesia Stock Exchange (BEI) for the 2019-2023 period. The type of data used in this research is secondary data. From a population of 32 companies, 12 companies were obtained as samples for a period of 5 years taken using the purposive sampling method. The analytical method of this research uses multiple linear regression analysis with SPSS version 25 tools. The research results show that capital structure, profitability and company size jointly influence company value. Capital structure has no effect on company value, profitability has a positive effect on company value and company size has a negative effect on company value. Companies should pay more attention to capital structure, profitability and company size so that they can increase share prices and have an impact on company value in the eyes of investors.

PENGARUH KEPERCAYAAN, KUALITAS LAYANAN DAN KUALITAS PRODUK TERHADAP KEPUASAN NASABAH MENGGUNAKAN MOBILE BANKING PADA BANKALTIMTARA SAMARINDA

marcellajaliyanti — Thu, 08 May 2025 13:35:50 +0700

This research aims to determine the influence of trust, service quality and product quality on customer satisfaction using mobile banking. This research uses primary data obtained through distributing questionnaires to Bankaltimtara customers as measured using a Likert scale. The data analysis technique used is Validity Test and Reliability Test and Hypothesis testing consisting of Partial Test (t Test), Simultaneous Test (F Test) and Determination Coefficient (R²) using testing tools in the form of the IBM SPSS Statistics version 25 data processing program . The type of research is a quantitative research model. The data analysis method uses a multiple linear regression analysis model. The total research sample was 144 respondents. The research results show that partially the variables trust, service quality and product quality have a positive and significant effect on customer satisfaction using mobile banking at Bankaltimtara in Samarinda. Stimulantly, the variables trust, service quality and product quality have a significant positive effect on customer satisfaction using mobile banking at Bankaltimtara in Samarinda.

PENERAPAN MANAJEMEN RISIKO KREDIT PADA PEMBIAYAAN UMKM DALAM MEMINIMALISIR PEMBIAYAAN BERMASALAH PADA BANK SYARIAH INDONESIA CABANG TENGGARONG

meldatririski — Thu, 08 May 2025 00:00:00 +0700

This study aims to determine the factors of problematic financing and the application of credit risk management in UMKM financing in an effort to minimize the occurrence of non-performing financing at Bank Syariah Indonesia Tenggarong Branch. This research uses qualitative research methods with a descriptive approach. The data collection techniques used are observation, documentation and interviews with the head of the marketing department (account officer) and UMKM financing customers of Bank Syariah Indonesia Tenggarong Branch related to this research. The results showed that the factors of non-performing financing consisted of internal factors and external factors. The application of risk management carried out by Bank Syariah Indonesia Tenggarong Branch in providing financing to prospective customers has several stages of the financing mechanism, namely submitting a financing application, collecting data, analyzing financing, approving financing, binding the contract, disbursement, monitoring and repayment. In the application of financing analysis, Bank Syariah Indonesia Tenggarong Branch applies financing analysis using the 5C principle. In resolving problem financing, Bank Syariah Indonesia Tenggarong Branch uses a persuasive approach by conducting deliberations which are then applied reconditioning, rescheduling, restructuring, to the execution of collateral.