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All Journal Journal Economic Management and Business Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
M. Rizky Wijaya
Universitas Potensi Utama
Economics, Econometrics & Finance Other

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PENGARUH CASH RATIO, DEBT TO ASSET RATIO DAN RETURN ON ASSETS TERHADAP HARGA SAHAM PERUSAHAAN SEKTOR MAKANAN DAN MINUMAN YANG TERDAFTAR DI BEI TAHUN 2020–2024 Indri Syahputri Saragih; Asnahwati Asnahwati; M. Rizky Wijaya; Aisyah Azhar Adam
Journal Economic Management and Business Vol 5, No 1 (2026)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/jfeb.v5i1.8816

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Cash Ratio, Debt to Asset Ratio (DAR), dan Return on Assets (ROA) terhadap Harga Saham pada perusahaan subsektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia periode 2020–2024. Metode penelitian menggunakan analisis regresi linear berganda dengan uji t, uji F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa secara parsial Cash Ratio tidak berpengaruh signifikan terhadap Harga Saham dengan nilai signifikansi 0,758, DAR sebesar 0,091, dan ROA sebesar 0,939. Secara simultan, Cash Ratio, DAR, dan ROA juga tidak berpengaruh signifikan terhadap Harga Saham dengan nilai signifikansi 0,141 dan F hitung 1,935 < F tabel 2,87. Nilai koefisien determinasi sebesar 13,9% menunjukkan bahwa Harga Saham lebih dipengaruhi oleh faktor lain di luar penelitian, seperti kondisi ekonomi makro, suku bunga, inflasi, dan sentimen pasar.
PENGARUH DIGITALISASI KEUANGAN DAN LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN BERKELANJUTAN GENERASI Z DI ERA EKONOMI DIGITAL M. Rizky Wijaya; Purwita Sari; Ratih Anggraini Siregar; Tika Nirmala Sari; Ahmad Rivaldo Tarigan
Journal Economic Management and Business Vol 5, No 1 (2026)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/jfeb.v5i1.8791

Abstract

The rapid advancement of digital technology has significantly transformed financial services and consumer financial behavior, particularly among Generation Z as digital natives. This study aims to examine the influence of financial digitalization and financial literacy on sustainable financial inclusion among Generation Z in the digital economy era. A quantitative approach was employed using a survey method with structured questionnaires. The study involved 145 Generation Z respondents aged 17–27 years in Indonesia who actively use digital financial services, selected through purposive sampling. Data were analyzed using multiple linear regression. The results indicate that financial digitalization and financial literacy have a positive and significant effect on sustainable financial inclusion, both partially and simultaneously. These findings highlight that the success of sustainable financial inclusion depends not only on technological accessibility but also on individuals’ financial knowledge and responsible financial behavior.
THE INFLUENCE OF FINANCIAL LITERACY, TRUST AND PERCEIVED SECURITY ON THE DECISION TO USE THE QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) AMONG MSMES ASSISTED BY THE MEDAN CITY COOPERATIVE AGENCY Mahfuzah Melati; M. Rizky Wijaya
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 4 No. 4 (2026): April
Publisher : PT. Radja Intercontinental Publishing

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Abstract

The use of the Quick Response Code Indonesian Standard (QRIS) as a digital payment method has continued to grow among Micro, Small, and Medium Enterprises (MSMEs). However, MSMEs’ decisions to use QRIS may be influenced by various factors, such as financial literacy, trust in digital payment systems, and perceived security in conducting transactions. This study aims to analyze the effects of financial literacy, trust, and perceived security on the decision to use QRIS among MSMEs in Medan City. This study employs a quantitative approach with a sample of 100 MSMEs assisted by the Medan City Cooperative Office. Data were collected through questionnaires using a Likert scale. The results show that financial literacy has a positive and significant effect on the decision to use QRIS, trust has a positive and significant effect on the decision to use QRIS, and perceived security has a positive and significant effect on the decision to use QRIS. Simultaneously, financial literacy, trust, and perceived security have a significant effect on the decision to use QRIS among MSMEs assisted by the Medan City Cooperative Office.
Co-Authors Ahmad Rivaldo Tarigan Aisyah Azhar Adam Asnahwati Asnahwati Indri Syahputri Saragih Mahfuzah Melati Purwita Sari Siregar, Ratih Anggraini Tika Nirmala Sari