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All Journal Equivalent : Journal of Economic, Accounting and Management
Ramadhan Harahap
Universitas Pembangunan Panca Budi, Medan, North Sumatera
Economics, Econometrics & Finance

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The Influence of Financial Literacy, Gender, and Lifestyle on Employee Debt Management of PT Adelia Sejahtera Nusantara Maininda Prasasti; Noni Ardian; Ramadhan Harahap
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 1 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i1.1825

Abstract

The rapid development of financial technology, particularly online lending (peer-to-peer loans), in Indonesia has significantly improved access to credit; however, it has also given rise to poorly managed debt problems. This study aims to analyze the effects of financial literacy, gender, and lifestyle on the debt management of employees at PT Adelia Sejahtera Nusantara, both partially and simultaneously. This research adopts a quantitative approach with an associative research design. The population of this study consists of all 40 employees of PT Adelia Sejahtera Nusantara, using a saturated sampling technique. The data used are primary data collected through a questionnaire employing a 1–5 Likert scale. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 31, preceded by validity tests, reliability tests, and classical assumption tests. The results indicate that:(1) financial literacy has a positive and significant effect on debt management; (2) gender has no significant effect on debt management; (3) lifestyle has a positive and significant effect on debt management; and (4) simultaneously, the three variables have a significant effect on debt management, with an F-value of 784.786 (p < 0.001) and a predictive power of 78.4% (Adjusted R² = 0.784), leaving only 21.6% explained by other factors.
The Effect of Liquidity Risk, Credit Risk, Operational Risk, Market Risk and Good Corporate Governance on Financial Performance in Conventional Commercial Banks Listed on The Indonesia Stock Exchange Reydeska Natalia A A Gulo; Noni Ardian; Ramadhan Harahap
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 2 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i2.1837

Abstract

This study aims to analyze the influence of liquidity risk, credit risk, operational risk, market risk, and Good Corporate Governance on the financial performance of conventional commercial banks listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. This study uses a quantitative method with a panel data regression approach. The research population is all conventional commercial banks listed on the Indonesia Stock Exchange, with a sample of 41 banks that meet the purposive sampling criteria for the 2022-2024 period, resulting in 123 observations. Data analysis was carried out using EViews 12 software. The results of the study show that simultaneously liquidity risk, credit risk, operational risk, market risk, and Good Corporate Governance have a significant effect on the financial performance of conventional commercial banks. Partially, credit risk and operational risk have a negative and significant effect on financial performance, while market risk and Good Corporate Governance have a positive and significant effect on financial performance. Meanwhile, liquidity risk does not have a significant effect on financial performance. The Adjusted R-squared value of 0.607560 indicates that 60.76% of the variation in financial performance (ROA) can be explained by liquidity risk variables, credit risk, operational risk, market risk, and Good Corporate Governance, while the remaining 39.24% is influenced by other variables outside the research model.  
The Effect of Financial Literacy, Risk Perception, and Income on Investment Decisions with Self-Efficacy as an Intervening Variable in Generation Z of GemsGBKP Binjai City Kristiani Br Ginting; Noni Ardian; Ramadhan Harahap
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 2 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i2.1959

Abstract

This study aims to analyze the influence of financial literacy, risk perception, and income on investment decisions with self-efficacy as an intervening variable in Generation Z of GBKP Gem Binjai City. This type of research is quantitative with a causal approach using a survey method. The research population is all members of Generation Z of Permata GBKP Binjai City which totals 250 people, with a sample of 71 respondents using the Slovin formula and simple random sampling techniques. Data was collected through a questionnaire with a Likert scale and analyzed using Partial Least Square-Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results of the study show that financial literacy, income, and risk perception do not have a significant direct effect on investment decisions. However, these three variables have a positive and significant effect on self-efficacy, with income having the strongest influence, followed by risk perception and financial literacy. Self-efficacy has been shown to have a positive and significant effect on investment decisions, and plays a role as a full mediator in the relationship between financial literacy and income on investment decisions. The research model has good predictive ability with moderate categories for investment decisions and self-efficacy, and shows excellent predictive relevance.
Co-Authors Kristiani Br Ginting Maininda Prasasti Noni Ardian Noni Ardian Reydeska Natalia A A Gulo