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All Journal Journal of Economics and Economic Policy International Journal of Economic Integration and Regional Competitiveness
Heri Widodo
Muhammadiyah University of Sidoarjo, Indonesia
Economics, Econometrics & Finance Social Sciences

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THE EFFECT OF IMPLEMENTING GOOD CORPORATE GOVERNANCE ON COMPANY PERFORMANCE IN BANKING COMPANIES LISTED ON THE IDX Erfina Fernanda; Heri Widodo
International Journal of Economic Integration and Regional Competitiveness Vol. 2 No. 2 (2025): International Journal of Economic Integration and Regional Competitiveness
Publisher : Antis Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijeirc.v2i2.400

Abstract

Objective: This research aims to examine the effect of implementing good corporate governance (GCG) on company performance, especially in the banking sector listed on the IDX for the 2020–2022 period. The independent variables used are the Independent Board of Commissioners, Board of Directors, Audit Committee, and Managerial Ownership with the dependent variable Return On Assets (ROA). Method: The sampling technique used was purposive sampling and a sample of 81 was obtained. Data collection used secondary data taken from www.idx.co.id. The data analysis technique uses linear multiple regression analysis. Result: The research results show that the independent board of commissioners, board of directors, and audit committee have a significant positive influence on company performance. In contrast, managerial ownership did not show a significant influence on company performance in this study. Novelty: The novelty of this study lies in its specific focus on the banking sector listed on the IDX during the 2020–2022 period, providing empirical evidence of how different components of good corporate governance contribute to company performance, particularly emphasizing the stronger impact of institutional governance mechanisms compared to managerial ownership.
THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL SELF-EFFICACY, AND SOCIAL NORMS ON RISK CREDIT BEHAVIOR IN PAYLATER USERS Maya Adillah Islamiyah; Heri Widodo
Journal of Economic and Economic Policy Vol. 2 No. 2 (2025): Journal of Economics and Economic Policy
Publisher : PT. Antis International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijecep.v2i2.62

Abstract

Objective: This study was conducted with the aim of determining whether Objective Financial Literacy, Subjective Financial Literacy, Financial Self-Efficacy and Social Norms have an effect on Risky Credit Behavior in the use of the Paylater feature. Method: This type of research uses associative with a quantitative approach. In this study, the population used was all students of the Accounting study program at the University of Muhammadiyah Sidoarjo and a sample of 100 students using the Paylater feature was obtained. The data in this study used primary data collected through a survey questionnaire. The data collection technique used a Likert scale derived from variable indicators using data analysis techniques using SPSS 23 Software. Results: The results of this study indicate that there is a negative and significant influence on Objective Financial Literacy and Subjective Financial Literacy while Financial Self-Efficacy and Social Norms show a positive and significant influence on Risky Credit Behavior in the use of the Paylater feature. Novelty: This study offers a new contribution by simultaneously analyzing the influence of Objective Financial Literacy, Subjective Financial Literacy, Financial Self-Efficacy, and Social Norms on Risky Credit Behavior in the context of Paylater usage among university students—a topic that remains underexplored in previous literature, particularly among young users of digital financial services.
Co-Authors Erfina Fernanda Maya Adillah Islamiyah