Bisma: Jurnal Manajemen https://ejournal.undiksha.ac.id/index.php/BISMA-JM <p>Bisma: Jurnal Manajemen adalah jurnal ilmiah yang diterbitkan oleh Jurusan Manajemen Fakultas Ekonomi Universitas Pendidikan Ganesha yang bertujuan untuk mempublikasikan artikel-artikel kajian empiris dan teoritis dalam bidang manajemen produksi dan operasional, pemasaran, keuangan, dan sumber daya manusia. Redaksi menerima artikel dalam bahasa Indonesia maupun Bahasa Inggris yang tidak dikirimkan atau telah dipublikasikan dalam jurnal lain. Penentuan artikel yang dimuat ditentukan oleh hasil review penyunting ahli.</p> <p><strong>P-ISSN: <a href="http://u.lipi.go.id/1574562262" target="_blank" rel="noopener">2476-8782</a> (print) E-ISSN : <a title="E-ISSN" href="https://issn.brin.go.id/terbit/detail/1574562262" target="_blank" rel="noopener">2714-6782</a> (Online)</strong></p> en-US kmendrawan.sp@gmail.com (Komang Endrawan Sumadi Putra) kmendrawan.sp@gmail.com (Komang Endrawan Sumadi Putra) Tue, 07 May 2024 13:02:51 +0000 OJS 3.3.0.10 http://blogs.law.harvard.edu/tech/rss 60 Pengaruh Brand Ambassador dan Kualitas ProdukTerhadap Keputusan Pembelian Produk Kosmetik (Studi Pada Konsumen Oriflame di Kecamatan Buleleng) https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64433 <p><em>This study aims to examine the effect of brand ambassadors and product quality on purchasing decisions, either significantly or partially. The subjects of this study were consumers who had purchased or were currently using Oriflame cosmetic products in Buleleng District and the objectsin this study were brand ambassadors, product quality, and purchasing decisions. The number of samples used is 100 respondents with purposive sampling technique. The research design is causal quantitative and the data collected is analyzed through the use of multiple linear regression analysis. The results of the study show that (1) brand ambassadors and product quality have a significant influence on purchasing decisions, (2) brand ambassadors have a positive and significant influenceon purchasing decisions, (3) product quality has a positive and significant influence on purchasing decisions. </em></p> Made Charmawati Laksmi Dewi, Komang Endrawan Sumadi Putra Copyright (c) 2024 Made Charmawati Laksmi Dewi, Komang Endrawan Sumadi Putra https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64433 Tue, 07 May 2024 00:00:00 +0000 Pengaruh Kualitas Pelayanan dan Citra Merek terhadap Kepuasan Pelanggan yang menggunakan Produk Ms Glow di Kota Singaraja https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64615 <p><em>The purpose of this research is to determine the influence of service quality and brand image on customer satisfaction among users of ms glow products in Singaraja city, both partially and collectively. The research design used in this study is quantitative causal research. Purposive sampling, a nonstandard technique, was employed for sample selection, which is a probability sampling method. The number of respondents involved in this study is 100 people. The data collection instrument used was a questionnaire, and the analysis method employed was multiple linear regression analysis. The findings of this study are as follows: (1) service quality has a positive and significant impact on customer satisfaction among users of ms glow products in Singaraja city. (2) brand image has a positive and significant influence on customer satisfaction among users of ms glow products in Singaraja city, and (3) service quality and brand image collectively have a significant impact on customer satisfaction among users of ms glow products in Singaraja city.</em></p> Kadek Devi Sukmayanti, Ni Luh Wayan Sayang Telagawathi Copyright (c) 2024 Kadek Devi Sukmayanti, Ni Luh Wayan Sayang Telagawathi https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64615 Tue, 07 May 2024 00:00:00 +0000 Pengaruh Profitabilitas dan Ukuran Perusahaan terhadap Harga Saham pada Perusahaan Sub Sektor Transportasi yang Terdaftar di Bursa Efek Indonesia (BEI) https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64239 <p><em>This study aims to determine the effect of profitability and company size on stock prices either simultaneously or partially. This study uses a causal quantitative research design. The subjects used in this study were transportation sub-sector companies listed on the Indonesia Stock Exchange with the objects used in this study namely profitability, company size, and stock prices. The data collection method used was document recording and then analyzed using multiple linear regression analysis. The results of this study show that (1) profitability and company size significantly influence stock prices. (2) profitability has no effect on stock prices. (3) company size has a positive and significant effect on stock prices.</em></p> Komang Santana Dharma Putra, Gede Putu Agus Jana Susila Copyright (c) 2024 Komang Santana Dharma Putra, Gede Putu Agus Jana Susila https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64239 Tue, 07 May 2024 00:00:00 +0000 Peran Kepemimpinan Asta Brata Kepala Desa terhadap Partisipasi Masyarakat dalam Membangun Desa https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/68839 <p><em>In the village development process there are two important parts, namely community participation and government guidance, or there are two parties involved in the village development process, namely the community and the government. The leadership of the village head in Antiga village approaches the role of the Hindu leadership pattern which can be known as the Asta Brata leadership pattern, referring to God's leadership pattern with attitudes and behavior in serving the community sincerely and having a good impact on community members. The number of respondents in this study was 100 respondents. The analysis technique used is simple regression analysis. The results of this research are that the influence of Asta Brata's leadership on community participation is significantly positive, meaning that the higher Asta Brata's leadership, the better the community participation in the development of Antiga Village in Karangasem Regency. The R-Square value is 0.541, which means that 54.1% of Community Participation is influenced by Asta Brata Leadership, the remaining 45.9% is influenced by other factors outside this research.</em></p> I Komang Gede, I Made Suati Puja, I Wayan Suartina, I Gede Aryana Mahayasa, Gde Indra Surya Diputra Copyright (c) 2024 I Komang Gede, I Made Suati Puja, I Wayan Suartina, I Gede Aryana Mahayasa, Gde Indra Surya Diputra https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/68839 Tue, 07 May 2024 00:00:00 +0000 Loyalitas Konsumen Berbasis Store Atmosphere, Experiental Marketing dan Kepuasan Konsumen https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/67802 <p><em>This is study aims to analyze the effect of store atmosphere and experiential marketing on consumer loyalty mediated by customer satisfaction at CV.Agung Sari Utama, Bekasi City. This is interconnected where before consumers become loyal, the company must provide satisfaction to consumers where one of the factors that influence consumer satisfaction include store atmosphere and experiential marketing. Obtain data directly through a distribution questionnaire with a sample of 100 respondents with consumer criteria who have purchased products at CV.Agung Sari Utama at least twice. The data analysis technique used in this study was path analysis using the SPSS version 25 program. The results showed that direct store atmosphere and experiential marketing had a positive and significant effect on customer satisfaction, directly store atmosphere has no positive and significant effect on customer loyalty, directly experiential marketing has a positive and significant effect on customer loyalty, store atmosphere has a positive and significant effect on customer loyalty through customer satisfaction, experiential marketing has a positive and significant effect on customer loyalty through customer satisfaction, directly customer satisfaction has a positive and significant effect on customer loyalty.</em></p> Hendra Saputra, Endang Silaningsih, Ismartaya Copyright (c) 2024 Hendra Saputra, Endang Silaningsih, Ismartaya https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/67802 Tue, 07 May 2024 00:00:00 +0000 Perilaku Menabung Siswa SD Negeri 5 Penarukan Singaraja Melalui Dukungan Sosial Guru Dan Self Efficacy https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/70299 <p><em>Saving as financial management is one of the wise habits that must be cultivated from an early age. However, it is a challenge to introduce this habit to elementary school children. Although the government has implemented the "SIMPEL" program to introduce this habit, it is still difficult to accept due to the mindset of children who are at the level of fun and play. Therefore, social support, especially teachers, and strengthening students' self-efficacy is needed to behave wisely in saving as financial management. This study aims to determine the effect of teacher social support and </em><em>self-efficacy on student saving behavior, both direct and indirect influences. A total of 73 students were respondents in this study. The data that has been obtained will be processed through path analysis with SmartPLS. The results of this study that students' saving behavior is influenced by teachers' social support and </em><em>self-efficacy both directly and indirectly. Where </em><em>self- efficacy can mediate between teachers' social support and students' saving behavior.</em></p> Ni Made Dwi Ariani Mayasari, Ayu Ketut Rencana Sari Dewi, Putu Ananda Devi Nugraha Copyright (c) 2024 Ni Made Dwi Ariani Mayasari, Ayu Ketut Rencana Sari Dewi, Putu Ananda Devi Nugraha https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/70299 Tue, 07 May 2024 00:00:00 +0000 The Effect Of Environmental Social Governance (ESG) Disclosures On Financial Performance In Companies Listed On The Indonesia Stock Exchange https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64038 <p><em>This study aims to examine and analyze the effect of ESG disclosure on the projected Financial Performance with ROA and Sales Growth in companies listed on the Indonesia Stock Exchange. The research design used is causal quantitative. The sampling technique was purposive sampling, with a total sample that met the criteria of 19 companies. The research subjects are companies listed on the Indonesia Stock Exchange, and the research objects are ES and ROA. Data was collected through document recording and analyzed using multiple linear regression analysis. The results of the study show that (1) ESG has a negative and significant effect on ROA. </em></p> Kadek Diah Krisna Dewanti, Gede Putu Agus Jana Susila Copyright (c) 2024 Kadek Diah Krisna Dewanti, Gede Putu Agus Jana Susila https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64038 Tue, 07 May 2024 00:00:00 +0000 Pengaruh Kualitas Pelayanan dan Kepuasan Pelanggan terhadap Loyalitas Pelanggan pada Jasa Service Motor Edie Arta Singaraja https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64687 <p><em>This study aims to examine the effect of service quality and customer satisfaction on customer loyalty. The research design used in this research is quantitative. The subjects in this study were service quality and customer satisfaction on customer loyalty in Edie Arta Singaraja's motorcycle service services and the objects in this study were service users at Edie Arta Singaraja. Data collected by questionnaire and literature study were analyzed by multiple linear regression analysis. The results showed that (1) service quality and customer satisfaction have a significant effect on customer loyalty in services at Edie Arta Singaraja. (2) service quality has a positive and significant effect on customer loyalty in services at Edie Arta Singaraja. (3) customer satisfaction has a positive and significant effect on customer loyalty in services at Edie Arta Singaraja.</em></p> Ni Putu Sintia Monika, Ni Luh Wayan Sayang Telagawathi Copyright (c) 2024 Ni Putu Sintia Monika, Ni Luh Wayan Sayang Telagawathi https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64687 Tue, 07 May 2024 00:00:00 +0000 Verifikasi Usulan Anggaran Untuk Meningkatkan Daya Serap Dana BLU Universitas Pendidikan Ganesha https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/77916 <p><em>U</em><em>ndiksha's budget absorption, especially the absorption of BLU (Public Service Agency) funds from the Ganesha Education University (Undiksha), is an indicator of financial performance which is a benchmark for the success of the institution in carrying out activity programs because most of the BLU funds are funds to carry out activity programs carried out by all existing work units. in the Undiksha neighborhood. </em><em>In carrying out the process, the finance section already has a pattern for carrying out the financial realization process, including the process of verifying budget proposals proposed by Work Units within Undiksha. This process greatly influences the smoothness of the process of realizing financial disbursement, because the proposer can find out where the errors or obstacles are. Problems that arise when the proposed budget is realized include an insufficient ceiling, activity budget items (MAK) that are not appropriate for use, incorrect account codes and withdrawal schedules that are not according to plan. </em><em>This research is experimental research by implementing an experimental group with a control group, where the experimental group is given special treatment, namely in the form of guidance and study, while the control group is given normal treatment in accordance with the minimum provisions of the budget preparation cycle. The independent variable is the absorption capacity of BLU funds, while the dependent variable is verification of budget proposals. The research population is the entire financial team within Undiksha</em> <em>2023 which will be evaluated based on research variables, measurement dimensions and assessment indicators. </em><em>From the results of research carried out after analysis, all data is considered normal and suitable for use as a basis for searching data and capturing research results, and after recapping the results of the questionnaire, the results can be presented, namely that there are 9 (nine) stating STS (1.32%) of respondents who strongly disagree; 26 stated TS, (3.80%) respondents who did not agree; 70 stated Abstain, (10.23%) respondents were undecided; 491 stated S (71.78%) respondents who agreed; 88 stated that SS (12.87%) of respondents who strongly agreed with each item in the answers to all of these questions meant that the respondents had carried out the provisions of budget management in terms of budget absorption capacity. </em><em>The output of this research is an article published in an ISSN journal and for Technology Readiness Level 1 the basic principles of technology have been researched and recorded in the verification of budget proposals. Later Technology Readiness Level 2 can formulate technology concepts and applications for using verifiers in increasing budget absorption capacity.</em></p> <p><em> </em></p> <p> </p> Made Yoga Yasa, Ema Wijayanti Copyright (c) 2024 Made Yoga Yasa, Ema Wijayanti https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/77916 Tue, 07 May 2024 00:00:00 +0000 Pengaruh Motivasi Kerja dan Kompetensi terhadap Produktivitas Kerja Peternak Pada Kelompok Tani Ternak Sari Murthi Desa Tegallinggah https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64106 <p><em>This study aims to examine the effect of (1) work motivation and competence on work productivity, (2) work motivation on work productivity, and (3) competence on work productivity. The population in this study were all members of the Sari Murthi Livestock Farmer Group in Tegallinggah Village, which consisted of 33 people. The research design used in this study is a causal quantitative design. The subjects in this study were the Sari Murthi Livestock Farming Group in Tegallinggah Village, while the objects used in this study were the work motivation, competence, and work productivity of breeders in the Sari Murthi Livestock Farming Group in Tegallinggah Village. The types and sources of data used in this study are primary data and secondary data. In this study the data collection method used was a questionnaire, data collection methods, interviews. This study uses data analysis methods and techniques in the form of multiple linear regression analysis, because the requirement for multiple regression analysis is to be free from classical assumptions and the regression model is said to be good if the model is free from classical assumptions. In this study the tests carried out were the normality test, multicollinearity test, and heteroscedasticity test. The design of hypothesis testing in this study uses partial testing (T test) and simultaneous testing (F test). The results of the research that has been done show that (1) work motivation and competence simultaneously influence work productivity in the Sari Murthi Livestock Farmer Group in Tegallinggah Village, (2) work motivation has a positive and significant effect on work productivity in the Sari Murthi Livestock Farmer Group in Tegallinggah Village , and (3) competence has a positive and significant effect on work productivity in the Sari Murthi Livestock Farmer Group in Tegallinggah Village</em></p> Putu Nanda Nugraha Putra Darma, Komang Krisna Heryanda Copyright (c) 2024 Putu Nanda Nugraha Putra Darma, Komang Krisna Heryanda https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64106 Tue, 07 May 2024 00:00:00 +0000 Pengaruh Kualitas Produk dan Citra Merek terhadap Minat Beli Make Up Wardah (Studi Kasus Pada Mahasiswa Prodi Manajemen Universitas Pendidikan Ganesha) https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64124 <p><em>This test is aimed at analyzing and proving the role of product quality and brand image in the interest in buying Wardah goods. The information used in this test came from students of the management study program at Ganesha University of Education who used Wardah goods as a sample for a total of 85 tests. This test was carried out with the help of the SPSS 26 for windows subprogram. This test uses the independent variables, namely product quality (X1) and brand image (X2) and the dependent variable, namely </em><em>purchase intention (Y). Before the information is analyzed using multiple linear regression analysis, it is previously proven by a classic assumption test, because the cues for multiple linear regression analysis are free from classical assumptions. the test findings show that (1) product quality plays a positive and substantial role on purchase intention. (2) brand image has a positive and substantial role on purchase intention. (3) product quality and brand image play a substantial role in purchase intention</em></p> Made Sri Puspa Dewi, Ni Luh Wayan Sayang Telagawathi Copyright (c) 2024 Made Sri Puspa Dewi, Ni Luh Wayan Sayang Telagawathi https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/64124 Tue, 07 May 2024 00:00:00 +0000 Pengaruh Kompensasi dan Motivasi Terhadap Kepuasan Kerja Buruh Tani Bunga Kembang Seribu Di Banjar Dinas Asah Desa Gobleg Kecamatan Banjar https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/63484 <p><em>Job satisfaction is one of the most important things in the company. In job satisfaction several things are needed, one of which is compensation and motivation to increase employee job satisfaction. This study aims to determine the effect of compensation and motivation on the job satisfaction of thousand flower garden workers at the Banjar Asah Service Office, Gobleg Village, Banjar District. The research design used in this research is quantitative causal. This research is a population study with a total of 65 thousand flower garden workers. Data were collected by interview and questionnaire methods and analyzed by path analysis. The results showed that (1) compensation has a positive and significant effect on job satisfaction, (2) compensation has a positive and significant effect on motivation, (3) motivation has a positive and significant effect on job satisfaction, and (4) motivation is able to mediate compensation on job satisfaction. </em></p> Ketut Rista Febriyani, Komang Krisna Heryanda Copyright (c) 2024 Ketut Rista Febriyani, Komang Krisna Heryanda https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/63484 Tue, 07 May 2024 00:00:00 +0000 Validitas Usulan Perencanaan Anggaran Terhadap Konsistensi DIPA-POK Di Universitas Pendidikan Ganesha https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/77912 <p><em>In the Planning and Budgeting Manual of the Ministry of Education and Culture's Planning Bureau, what is meant by planning and budgeting is an activity and results that form a unified whole. Budget implementation will not be clear if the budget planning is not clear, and in a budget realization cycle it must refer to the planning and budget planning proposal documents. From the results of Budget Planning at the Ganesha University of Education (Undiksha), a Budget Implementation List (DIPA) is produced and is a complete unit of the Activity Operational Guidelines (POK). DIPA-POK Undiksha is a document that has clear and legal data history. This document is the essence of all proposed programs and activities that have been prepared and legalized by all work units in Undksha. DIPA is ratified by the President through the Ministry of Finance and is used by the Undiksha Working Unit and becomes a guide in budget implementation.Dive into the conditions above, DIPA-POK is actually a joint decision by all parties so that its validity actually does not need to be doubted or questioned, however, these conditions do not match the expectations of the planning team, because every year there are proposals for changes to the budget plan (revision). Seeing these conditions, it is necessary to carry out research/studies on the validity of the budget proposal so that problems that often arise can be minimized. This research is experimental research by implementing an experimental group with a control group, where the experimental group is given special treatment, namely in the form of guidance and study, while the control group is given normal treatment in accordance with the minimum provisions of the budget preparation cycle. The independent variable is the absorption capacity of BLU funds, while the dependent variable is verification of budget proposals. The research population is the entire financial team within Undiksha FY-2023 which will be evaluated based on research variables, measurement dimensions and assessment indicators. From the results of research carried out after analysis, all data is considered normal and suitable for use as a basis for searching data and gathering research results, and after recapping the results of the questionnaire, the results can be presented, namely that there are 9 (nine) stating STS (1.32%) of respondents who strongly disagree; 26 stated TS, (3.80%) respondents who did not agree; 70 stated Abstain, (10.23%) respondents were undecided; 491 stated S (71.78%) respondents who agreed; 88 stated that SS (12.87%) of respondents who strongly agreed with each item in the answers to all of these questions meant that the respondents had carried out the provisions of budget management in terms of budget absorption capacity.The output of this research is an article published in an ISSN journal and for Technology Readiness Level 1 the basic principles of technology have been researched and recorded in the verification of budget proposals. Later Technology Readiness Level 2 can formulate technology concepts and applications for using verifiers in increasing budget absorption capacity</em></p> Made Yoga Yasa, I Gusti Putu Anom Arimbawa, Wenas Yohanes Berchmans, Luh Nitra Aryani Copyright (c) 2024 Made Yoga Yasa, I Gusti Putu Anom Arimbawa, Wenas Yohanes Berchmans, Luh Nitra Aryani https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/77912 Tue, 07 May 2024 00:00:00 +0000 Hedonism Atau Utilitarianism Yang Paling Berpengaruh Dalam Memediasi Atribut Produk Terhadap Keputusan Pembelian Impulsif Di Zalora https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/78056 <p><em>This research explains the influence of product attributes (variety of selection and price attributes, and sensory attributes) on web browsing hedonism, web browsing utilitarianism, and impulsive buying at Zalora. An online questionnaire was used as a primary data collection instrument. Purposive sampling was used as a sampling technique with 100 final respondents. Hypothesis testing used the Partial Least Square (PLS) analysis technique using SmartPLS 3. The results of the study showed that variety of selection and price attributes had a positive and significant effect on web browsing hedonism and web browsing utilitarianism. Meanwhile, sensory attributes have no effect on web browsing hedonism and web browsing utilitarianism. Variety of selection has a negative and significant effect on online impulsive buying. Price attributes, sensory attributes and web browsing hedonism have a positive and significant effect on impulsive buying. Meanwhile, web browsing utilitarianism has no effect on impulse buying. Web browsing hedonism was found to mediate the influence of variety of selection and pricing policies on online impulsive buying. Meanwhile, web browsing utilitarianism is not a mediating variable for the influence of product attributes on impulsive buying.</em></p> Ida Bagus Koman Suarmaja, I Nengah Suarmanayasa Copyright (c) 2024 Ida Bagus Koman Suarmaja, I Nengah Suarmanayasa https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/78056 Tue, 07 May 2024 00:00:00 +0000 Pengaruh Literasi Keuangan, Sikap Keuangan dan Tingkat Pendidikan terhadap Pengelolaan Keuangan UMKM Di Kecamatan Grokgak https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/60173 <p><em>This research activity has a purpose to examine the influence that can be raised by aspects of financial literacy, aspects of financial attitudes and aspects of educational level on financial management. The type of research used is causal quantitative using a questionnaire. In this case, the population used is MSMEs in the Grokgak District area with numbers reaching 292 MSMEs. Sampling used a technique called Simple Random Sampling and calculated according to Ferdinand (2006), so that the sample reached 75. The data analysis method used was multiple linear regression analysis with the help of SPSS version 25 for Windows. The results of this study succeeded in showing that (1) Aspects of financial literacy, financial attitudes and level of education show a positive and significant influence on financial management, (2) Aspects of financial literacy show a positive and significant influence on financial management, (3 ) The financial attitude aspect shows a positive and significant influence on financial management, and (4) The education level aspect shows a positive and significant influence on financial management</em></p> Putu Ayu Juniari, Ni Made Suci Copyright (c) 2024 Putu Ayu Juniari, Ni Made Suci https://creativecommons.org/licenses/by-sa/4.0 https://ejournal.undiksha.ac.id/index.php/BISMA-JM/article/view/60173 Tue, 07 May 2024 00:00:00 +0000