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Penelitian ini bertujuan untuk meneliti pengaruh antara financial literacy dan risky credit behavior dengan mediasi financial self-efficacy dan moderasi financial stress. Pengambilan data dilakukan dengan metode purposive sampling menggunakan survei online kepada mahasiswa yang pernah menggunakan metode pembayaran paylater. Sebanyak 120 responden terkumpul yang kemudian diolah dan dianalisis menggunakan metode regresi dengan menggunakan SPSS 26. Hasil penelitian menunjukkan bahwa financial literacy signifikan berpengaruh negatif terhadap risky credit behavior mahasiswa. Selanjutnya, subjective financial literacy memiliki efek negatif yang lebih besar daripada objective financial literacy terhadap risky credit behavior. Penelitian ini juga menemukan bahwa efek moderasi dari financial stress berhasil mempengaruhi hubungan antara subjective financial literacy dan risky credit behavior namun peranan efek moderasi terhadap objective financial literacy belum terlihat signifikansinya. Selanjutnya, financial self-efficacy signifikan memediasi secara parsial hubungan antara subjective financial literacy dan risky credit behavior namun tidak memediasi hubungan pada objective financial literacy.

 

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This study aims to analyze the effect of financial literacy on risky credit behavior with financial self-efficacy as an mediating variables and financial stress as an moderating variables. Data collection was carried out by purposive sampling method using online surveys to students who had used the paylater payment method. A total of 120 respondents were collected which were then processed and analyzed using the regression method using SPSS 26. The results showed that financial literacy had a significant negative effect on the risky credit behavior of students. Furthermore, subjective financial literacy has a greater negative effect than objective financial literacy on risky credit behavior. This study also finds that the moderating effect of financial stress has succeeded in influencing the relationship between subjective financial literacy and risky credit behavior, but the role of the moderating effect on objective financial literacy has not been shown to be significant. Furthermore, financial self-efficacy partially partially mediates the relationship between subjective financial literacy and risky credit behavior but does not mediate the relationship on objective financial literacy.

 

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"[ABSTRAK Tujuan penelitian ini adalah mengidentifikasi pengaruh Dana Pihak Ketiga (DPK), suku bunga rata-rata kredit modal kerja, Non Performing Loan (NPL), dan Produk Domestik Regional Bruto (PDRB) mempengaruhi penawaran kredit Bank Perkreditan Rakyat dan pengaruh Produk Domestik Regional Bruto (PDRB), inflasi kawasan, dan suku bunga rata-rata kredit modal kerja mempengaruhi permintaan kredit Bank Perkreditan Rakyat. Penelitian ini menggunakan metode panel data dan menguji regresi dengan model random effect model atas kemungkinan perbedaan kawasan dan waktu. Studi membuktikan bahwa DPK, suku bunga rata-rata kredit modal kerja, NPL, dan PDRB secara bersama-sama memiliki pengaruh yang signifikan terhadap penawaran kredit. Lalu, PDRB, inflasi kawasan, dan suku bunga rata-rata kredit modal kerja secara bersama-sama mempengaruhi permintaan kredit.

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ABSTRACT The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand., The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region’s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region’s inflation, and average lending rate of working capital simultaneously affect the credit demand.]"

"Penelitian ini bertujuan untuk menganalisis pengaruh dari cash flow volatility terhadap capital structure dan debt maturities pada perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia periode tahun 2010 - tahun 2015. Penelitian ini menggunakan data panel, dengan jumlah sampel perusahaan manufaktur sebanyak 106 perusahaan. Pengujian dilakukan dengan generalized linear model dan probit model dengan software Eviews. Pada penelitian ini volaitilitas arus kas menjadi variabel independennya. Market-to-book rasio, tangibilitas, firm size, profitabilitas dan inflasi sebagai variabel kontrol. Variabel eksplanatori adalah firm age. Sedangkan variabel dependennya adalah market debt ratio MDR dan book debt ratio BDR. Hasil dari penelitian ini menunjukan bahwa terdapat pengaruh antara volatilitas arus kas dengan struktur modal perusahaan sedangkan tidak terdapat pengaruh antara volatilitas arus kas dengan pemilihan penggunaan hutang perusahaan.

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This study aimed to analyze the effect of cash flow volatility to capital structure and debt maturities on manufacturing companies listed in Indonesia Stock Exchange period 2010 2015. This study use panel data, with a sample of 106 manufacturing companies. This study using generalized linear models and probit models with Eviews software to test hypothesis.

In this study volaitilitas cash flow becomes the independent variable. Market to book ratios, tangibility, firm size, profitability and inflation as control variables. Explanatory variables are firm age. While the dependent variable is market debt ratio MDR and book debt ratio BDR.

The results of this study indicate that there is influence between the volatility of cash flows with the company 39 s capital structure while there is no influence between cash flow volatility by selecting the use of the company 39 s debts."

"Di Indonesia kegiatan penggabungan usaha didominasi oleh merger dan akuisisi dan setiap tahun kegiatan merger dan akuisisi ini semakin meningkat. Merger dan akuisisi dilakukan karena merger dan akuisisi diyakini merupakan cara perusahaan untuk mencapai tujuannya dan akan berdampak pada peningkatan kinerja.Skripsi ini membahas pengaruh kegiatan merger dan akuisisi terhadap kinerja keuangan berupa profitabilitas, likuiditas, dan solvabilitas pada perusahaan non-keuangan yang terdaftar pada Bursa Efek Indonesia periode 2007-2014.Penelitian ini adalah penelitian kuantitatif dengan menggunakan metode Ordinary Least Square regression dengan sampel perusahaan non-keuangan yang terdaftar di Bursa Efek Indonesia peiode 2007-2014.Hasil penelitian menunjukan bahwa kegiatan merger dan akuisisi tidak memiliki pengaruh yang signifikan terhadap kinerja keuangan perusahaan baik profitabilitas, likuiditas, maupun solvabilitas.

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Indonesia business expansion dominated by mergers and acquisition, and the number of M A is rapidly increasing over the recent years. Through M A firms are able to achieve goals and improve their financial performances.

The focus of this study is to analyze the impact of mergers and acquisition on corporate financial performance of non financial companies listed on Indonesia Stock Exchange in the year 2007 2014.

This study use OLS regression with samples of non financial companies listed on Indonesia Stock Exchange in the year 2007 2014.

The results suggest that the mergers and acquisition deals do not have any significant impact on profitability, liquidity, and solvability position of the firms."

"ABSTRAKSkripsi ini membahas pengaruh turnover saham terhadap delay harga saham pada perusahaan tercatat di Bursa Efek Indonesia Tahun 2008-2016. Pertama turnover saham didekomposisi menjadi komponen likuiditas, ketidakpastian spesifik perusahaan, dan perhatian investor kemudian diuji pengaruhnya terhadap delay harga saham. Hasil penelitian menunjukkan bahwa turnover saham memiliki pengaruh negatif terhadap delay harga saham yang berarti semakin banyak suatu saham diperdagangkan di pasar maka kemampuan harga untuk menyerap informasi semakin tinggi yang menyebabkan delay harga saham semakin rendah.

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ABSTRACTThis thesis discusses the effect of stock turnover on stock price delay in companies listed in Indonesia Stock Exchange Year 2008 2016. First stock turnover decomposed into a component of liquidity, firm specific uncertainty, and investor attention then tested its effect on stock price delay. The results show that stock turnover has a negative effect on stock price delay which means more stocks are traded in the market makes the ability of the price to absorb the information higher and lowering the delay of stock prices."

"Penelitian ini bertujuan untuk menguji pengaruh dari sustainability reporting, yang diukur dengan skor Environmental, Social, dan Governance (ESG), terhadap performa keuangan (ROE), operasional (ROA), dan pasar (Tobin’s Q) dari bank yang terdaftar di bursa efek Indonesia, Malaysia, Singapura, Thailand, dan Filipina pada periode 2012 sampai dengan 2020. Sampel terdiri dari 34 bank yang tercatat di bursa efek kelima negara tersebut. Penelitian ini menggunakan regresi panel dengan metode estimasi fixed effect model. Dari hasil penelitian ini, penulis menemukan adanya pengaruh negatif yang signifikan antara sustainability reporting dengan performa keuangan dan performa pasar, serta pengaruh yang negatif namun tidak signifikan antara sustainability reporting dan performa operasional Bank di Indonesia, Malaysia, Singapura, Thailand, dan Filipina.

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This study aims to examine the effect of sustainability reporting, as measured by Environmental, Social, and Governance (ESG) scores, on the financial (ROE), operations (ROA), and market performance (Tobin's Q) of listed banks on the Indonesia, Malaysia, Singapore, Thailand, and the Philippines stock exchange in the period 2012 to 2020. The sample consists of 34 banks listed on the stock exchanges of the aforementioned five countries. This research uses panel regression with fixed effect model estimation method. From the results of this study, the author found a significant negative effect between sustainability reporting and financial performance and market performance, as well as a negative but not significant effect between sustainability reporting and operational performance of Banks in Indonesia, Malaysia, Singapore, Thailand, and the Philippines."

"Penelitian ini bertujuan untuk menguji pengaruh faktor lingkungan, sosial, dan tata kelola (ESG) terhadap profitabilitas, nilai perusahaan, dan biaya modal perusahaan yang terdaftar di Indonesia. Data dikumpulkan dari sampel 34 perusahaan publik di Indonesia periode 2015 – 2019 lengkap dengan skor gabungan ESG dan skor pilar individu – lingkungan, sosial, dan tata kelola – masing-masing perusahaan dari Thomson Reuters Refinitiv Eikon Datastream. Penelitian ini menggunakan balanced panel data dan metode regresi data panel, dengan teknik estimasi random effect model yang ditemukan paling cocok untuk setiap model pada penelitian. Hasil penelitian menemukan bahwa skor gabungan ESG berpengaruh negatif terhadap profitabilitas perusahaan (ROE) secara signifikan. Namun, skor gabungan ESG tidak secara signifikan mempengaruhi nilai perusahaan (Tobin's Q) dan biaya modal (weighted average cost of capital, WACC). Selain itu, skor secara individual, hanya faktor tata kelola ESG yang signifikan namun negatif dalam mempengaruhi profitabilitas perusahaan. Sedangkan faktor individu ESG tidak ada yang signifikan dengan nilai perusahaan serta biaya modal dalam penelitian ini.

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This study aimed to examine the effect of environmental, social, and governance (ESG) factors on profitability, firm value, and cost of capital of Indonesian listed firms. The data is collected from a sample of 34 publicly listed companies in Indonesia during 2015 – 2019 along with each firm’s complete ESG combined score and individual pillar score – environmental, social, and governance – from Thomson Reuters Refinitiv Eikon Datastream. This study utilized balanced panel data and panel data regression, with the random effect model estimation techniques best fitted for the proposed research models. The study found that ESG combined score negatively affects firm’s profitability (i.e., ROE) significantly. However, the ESG combined score didn’t significantly affect firm’s value (i.e., Tobin’s Q) and cost of capital (weighted average cost of capital, WACC). Moreover, individually, only the governance factor of ESG is significant yet negative in influencing the profitability of a company. Whereas none of the individual factors of ESG is significant with firm value as well as cost of capital in this study."

"Penelitian ini bertujuan untuk menguji pengaruh corporate sustainability terhadap profitabilitas perusahaan serta membuktikan adanya perbedaan pendapatan, pertumbuhan pendapatan, profitabilitas, dan perubahan total aset yang signifikan diantara perusahaan High ESG Score dan Low ESG Score di Indonesia. Sampel yang digunakan berasal dari 30 perusahaan non-keuangan di Indonesia periode 2015 – 2019. Penelitian ini menggunakan balanced panel data dan metode regresi data panel dengan teknik estimasi random effect model. Hasil penelitian menemukan corporate sustainability tidak signifikan mempengaruhi profitabilitas perusahaan. Selain itu, tidak ditemukan perbedaan pertumbuhan pendapatan, profitabilitas, dan perubahan total aset diantara perusahaan HESGS dan LESGS di Indonesia, sedangkan perbedaan pendapatan ditemukan signifikan.

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This study aimed to examine the effect of corporate sustainability on firm profitability and show differences in revenue, revenue growth, profitability, and change in total asset between High ESG Score and Low ESG Score firms in Indonesia. This study used a sample of 30 non-financial public firms during 2015 – 2019. This study also used balanced panel data and panel data regression, with the random effect model estimation techniques. The study found that corporate sustainability didn’t significantly affect firms’ profitability. In addition, the study showed that there are no significant differences in revenue growth, profitability, and change in total asset between HESGS and LESGS firms in Indonesia. Instead, revenue differences between HESGS and LESGS firms in Indonesia were found in this study."