Financial behavior is an interesting topic, given the consumptive Indonesian society. This study aims to analyze the relationship of financial literacy and demographic factors in determining the financial behavior of private employees in Jepara Regency. The sampling method uses purposive sampling and data is measured using a Likert scale 1 to 5. Data are analyzed using a quantitative approach including validity and reliability, multiple linear regression analysis, coefficient of determination, F-test, and t-test. The results of this study indicate that age, education level, income, and financial literacy simultaneously determine the financial behavior of private employees, but individually income does not affect financial behavior. High-income private employees need to control behavior in managing finances, reducing consumer spending and managing finances well. Keywords: multiple linear regression analysis, demographic factors, education, financial behavior, financial literacy
ABSTRAK Kegiatan ini bertujuan untuk menigkatkan kuantitas dan kualitas produk kain yang dihasilkan oleh mitra, dan meningkatkan jalur pemasaran yang dapat digunakan oleh mitra dalam meningkatakan penjualan kain tenun ikat torso. Metode yang digunakan adalah penampingan, pelatihan, dan praktek langsung oleh mitra UMKM Tenun Ikat Troso Jepara. Capain kegiatan ini adalah dimilikinya alat tenun bukan mesin yang telah ditambah alat jangkar untuk memproduksi varian kain yang berbeda dengan kain yang selama ini diproduksi oleh mitra. Mitra memiliki standar operasi prosedur (SOP) produksi untuk menjaga kualitas kain yang diproduksi. Mitra memiliki jalur pemasaran baru melalui online marketing dengan memanfaatkan website dan social media guna meningkatkan daya saing UMKM. Kata kunci: Pendampingan, Pelatihan, UMKM, Tenun Ikat. ABSTRACT This activity aims to improve the quantity and quality of woven fabric, and improve the marketing channels that can be used by partners in increasing sales. The method used is direct mentoring, training, and practice by SME's partners Tenun Ikat Troso Jepara. Achievement this activity are owned ATBM that have been added jangkar tool to produce variants of different fabrics with fabric that had been produced by partners. Partners have standard operating procedure (SOP) production to maintain the quality of fabric produced. Partners have new marketing channels through online marketing by utilizing websites and social media to improve the competitiveness of SMEs. Keyword: Mentoring, Training, SME, Weaving ikat
Jepara regency is one of the districts in Indonesia which has a very small and medium business that is a number of 56,534,592 SMEs and as many as 16 sectors of SMEs scattered in Jepara regency. But many SMEs have not been able to maintain the quality of products and services to customers and financial management is not good. Increased competition has caused many SMEs only looking for short-term profitability so that many SMEs have failed. The purpose of this study is to examine the influence of customer relations and product quality on customer satisfaction, and the influence of customer satisfaction on financial performance. This study was conducted on SMEs with the criteria of having a workforce of 5-99 people, net worth other than land and buildings of ≤ 500 million, and the accumulated sales for one year amounted to ≤ 2.5 billion. The sample used as many as 183 owners of SMEs in Jepara district spread across 16 types of business. The results showed that customer relationship and product quality have a positive and significant influence on customer satisfaction, while consumer satisfaction has a positive and significant impact on financial performance. SME owners believe that having a good customer relationship causes consumers to be satisfied with SMEs and will maintain loyalty to buy back the resulting product to improve the financial performance of SMEs.
Abstrak: Analisis Kinerja Keuangan UMKM Tenun Ikat Troso Jepara. Kontribusi UMKM terhadap PDB Indonesia sebesar 7% dari total PDB pada tahun 2012. Salah satu faktor untuk meningkatkan kinerja keuangan yaitu dengan menginterpretasi perspektif yang ada dalam konsep balanced scorecard melalui kemampuan manajemen, strategi bisnis dan orientasi pasar. Populasi dalam penelitian ini adalah 314 pelaku usaha, teknik pengambilan sampel menggunakan purposive sampling sesuai kriteria UU No. 20 tahun 2008. Data penelitian dianalisis menggunakan analisis regresi berganda. Hasil penelitian menunjukkan bahwa faktor kemampuan manajemen, strategi bisnis dan orientasi pasar memiliki nilai koefisien determinasi (R 2 ) sebesar 54,5% terhadap peningkatan kinerja keuangan. Secara parsial masingmasing variabel bebas memiliki pengaruh positif dan signifikan terhadap variabel terikat dalam penelitian ini.Kata Kunci: Kemampuan Manajemen, Strategi Bisnis, Orientasi Pasar, Kinerja keuangan, UMKM Abstract: Analysis of Financial Performance on UMKM Tenun Ikat Troso Jepara.Indonesian Small and Medium Enterprises give a contribution to GDP of 7% of total GDP in 2012. One factor to improve financial performance is to applicate some perspectives in the balanced scorecard concept through management capabilities, business strategy, and market orientation. The population in this study were 314 businesses, the sampling technique used purposive sampling with criteria that meet on UMKM's subject by the Law Number 20 of 2008. Data were analyzed using multiple regression analysis. The results show that the factor of management capabilities, business strategy and market orientation has the coefficient of determination of 54.5% (R 2 ) to the improvement of financial performance. In Partial each independent variable has a positive and significant impact on the dependent variable in this study.
Banyak perdebatan yang terjadi di dunia akademis dalam menguji CAPM. Menurut Fama dan French Size merupakan faktor penting dalam penjelasan perbedaan return, dan antara beta (β) dan expected return tidaklah terdapat hubungan positif melainkan tidak berpola/tidak berhubungan. Tujuan penelitian ini adalah untuk membuktikan bahwa ukuran perusahan, book-to-market value, dan beta dapat mempengaruhi return saham di Bursa Efek Indonesia. Penelitian ini menggunakan data sekunder tentang harga saham bulanan dan data SBI tahun 2008-2010, pembentukan portofolio dengan menggunakan model fama dan french serta model empiris Michael E. Drew dan Madhu Veeraraghavan dan menggunakan regresi linier untuk menganalisis data. Hasil dari penelitian ini memberikan bukti empiris bahwa beta secara individu mempengaruhi return saham dalam semua portofolio yang di bentuk. Sedangkan beta dan size secara individu mempengaruhi return saham hanya dalam portofolio yang dibentuk berdasarkan kategori pengelompokan saham, yaitu BL dan BH. Sedangkan beta, size, dan BMV secara bersama-sama tidak mempengaruhi return saham pada semua variabel return portofolio.
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