Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Jurnal Sinar Manajemen International Journal of Health, Economics, and Social Sciences (IJHESS)
Umar
Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Palu
Economics, Econometrics & Finance Public Health Social Sciences

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The Impact of Chasless Society and Financial Technology on the Consumptive Lifestyle of Students of the University of Muhammadiyah Palu Chusnul Khatima Nawir Risah; Guasmin; Umar
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 8 No. 2: April 2026 - International Journal of Health, Economics, and Social Sciences (IJHESS)
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v8i2.10936

Abstract

This study aims to analyze the effect of Cashless Society and Financial Technology on the consumptive lifestyle of students at Universitas Muhammadiyah Palu. This research employs a quantitative approach using multiple linear regression analysis. The sample consists of 246 students selected through a specific sampling technique. Data were collected questionnaires and analyzed using simultaneous testing (F-test) and partial testing (t-test). The findings reveal that, simultaneously, Cashless Society and Financial Technology have a significant effect on students' consumptive lifestyle. However, partially, Cashless Society does not have a significant effect, whereas Financial Technology has a significant influence on the consumptive lifestyle. These results indicate that ease of access, service flexibility, and fintech features such as paylater and digital promotions are more dominant in driving consumptive behavior compared to non-cash payment systems. In conclusion, Financial Technology is identified as the primary factor influencing students' consumptive lifestyle in the digital era. Therefore, enhancing financial literacy is essential to ensure that the use of financial technology can be managed wisely.
Financial Performance Analysis Against Profitability Ratios at PT Astra Internasional Tbk Mastia M Halimu; Liswan Rusman; Rosfianti M. Yadasang; Umar
Jurnal Sinar Manajemen Vol. 11 No. 3 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jsm.v11i3.6793

Abstract

The purpose of this study is to determine the financial performance of PT Astra International Tbk using the Profitability ratio, the data analysis techniques in this study are the Return On Asset (ROA) Ratio and the Return On Equity (ROE) Ratio, the data used is quantitative data and the data source in this study is secondary data obtained based on financial records for the last five years 2019-2023 at PT Astra International Tbk on the Indonesia Stock Exchange. The results of the study which were tested partially showed that return on assets had a fluctuating ratio each year, but the value of the return on assets ratio did not exceed the set industry value so that financial performance was declared unhealthy. The return on equity produced has the same value as the return on assets ratio, which is fluctuating and the industry value does not exceed the return on equity ratio value so that the financial performance of PT Astra International Tbk is not good.
Co-Authors Chusnul Khatima Nawir Risah Guasmin Liswan Rusman Mastia M Halimu Rosfianti M. Yadasang