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p-Index From 2021 - 2026
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This Author published in this journals
All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) International Journal of Business, Economics, and Social Development Indonesian Journal of Business Analytics (IJBA)
Mardiyani
Universitas swadaya gunung jati
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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THE EFFECT OF FINANCIAL LITERACY AND HEDONISTIC LIFESTYLE ON PAYLATER FINANCIAL MANAGEMENT BEHAVIOR: THE MEDIATING ROLE OF SELF-CONTROL Ade Nurohmah; Mardiyani
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No 2 (2026): IJEBAR: Vol. 10, Issue 2, June 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10i2.19704

Abstract

This research is motivated by the increasing use of payLater among young people in theCirebon region, which has the potential to lead to the risk of default due to less controlled financial management behavior. The purpose of this study is to analyze the influence of financial literacy and a hedonistic lifestyle on financial management behavior, with self-control as a mediating variable. The research method used is a quantitative method with a causal associative approach. The sampling technique used was purposive sampling with 120 selected respondents who met the criteria. Data analysis using SmartPLS 4.0. The research results indicate that financial literacy significantly influences financial management behavior and self-control. Meanwhile, a hedonistic lifestyle does not significantly affect financial management behavior but significantly impacts self-control. Additionally, self-control is proven to significantly mediate the influence of financial literacy and a hedonistic lifestyle on financial management behavior.
Personal Financial Management in the Digital Age: The Role of Financial Planning and E-Wallets Selfiya; Mardiyani
International Journal of Business, Economics, and Social Development Vol. 7 No. 3 (2026): International Journal of Business, Economics, and Social Development (IJBESD)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v7i3.1209

Abstract

This study examines the impact of financial planning and e-wallet usage on personal financial management, with lifestyle serving as a mediating variable. The research was conducted using a quantitative approach among 150 active e-wallet users in Cirebon, selected through purposive sampling, and the data were collected via questionnaires and analyzed using the SEM-PLS method. The study's results indicate that financial planning and the use of e-wallets have a positive, significant effect on personal financial management. Lifestyle has a significant effect on personal financial management but does not mediate the relationship between financial planning or e-wallet usage and personal financial management. These results indicate that personal financial management is more directly shaped by financial planning, while lifestyle changes resulting from e-wallet usage have not contributed to improving financial management quality. Therefore, the study highlights the importance of increasing awareness of sound financial planning and the responsible use of e-wallets, particularly among young people, to prevent excessive consumerist behavior that may negatively affect personal financial management.
Return on Assets as A Mediator: The Effect of Current Rasio and Debt to Equity Ratio on Firm Value Shidiq Baddruzzaman; Mardiyani; Benny Dhevyanto
Indonesian Journal of Business Analytics Vol. 6 No. 3 (2026): June 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v6i3.16495

Abstract

Escalating rivalry within the corporate landscape compels enterprises, particularly those in the technological sphere, to perpetually refine and safeguard their organizational worth. Within the Indonesian context, the tech industry serves as a pivotal pillar for bolstering national economic progress and fast-tracking digital transformation. Nevertheless, despite its critical contributions, this sector has witnessed a persistent downturn in equity performance throughout the preceding three-year period. This inquiry investigates how the Current Ratio (CR) and Debt to Equity Ratio (DER) impact corporate value, utilizing Return on Assets (ROA) as an intervening factor. Employing a quantitative framework with a causal-associative blueprint, the study analyzed data via path analysis using LISREL version 10.20 to assess both proximate and distal variable correlations. The population encompasses technology-based entities listed on the Bursa Efek Indonesia from 2022 to 2024. Through purposive sampling, 25 organizations were identified, yielding 75 distinct observations. Empirical evidence indicates that CR exerts no substantial influence on either ROA or market valuation. Conversely, while DER significantly affects ROA, it lacks a direct statistical link to firm value. Findings highlight that ROA markedly determines firm value and functions as an effective bridge between DER and corporate worth, though it fails to facilitate the impact of CR. Consequently, tech-driven businesses should emphasize optimizing asset productivity and profitability—specifically by leveraging intangible resources—to bolster their market standing and secure investor trust.
Co-Authors Ade Nurohmah Benny Dhevyanto Selfiya Shidiq Baddruzzaman