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All Journal JURNAL ECONOMINA Blantika : Multidisciplinary Journal Journal of Economic Education and Entrepreneurship Studies
Johny Budiman
Universitas Internasional Batam, Indonesia
Computer Science & IT Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Other

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Penerapan Accurate dalam Mengelola Laporan Keuangan di PT Multi Perkasa Sukses Abadi Johny Budiman; Christina Christina
Blantika: Multidisciplinary Journal Vol. 3 No. 11 (2025): Special Issue
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/blantika.v3i11.463

Abstract

Multi Perkasa Sukses Abadi is an SME company engaged in ship repair services that still uses a manual financial recording system with Microsoft Excel. This manual system causes various obstacles such as data input errors (human error), delays in preparing financial reports, difficulties in tracking accounts receivable and payable, and difficulties in monitoring transactions in real-time. This Internship activity aims to implement an Accurate Online-based accounting system to improve the efficiency and accuracy of the company's financial management. The methods used include direct observation, informal interviews, company database design, initial data input (opening balance), and implementation of recording sales, purchase, cash, and accounts receivable-payable transactions. The implementation results show that the Accurate Online system is able to generate financial reports such as income statements, balance sheets, cash flows, and accounts receivable and payable reports automatically and in real-time. The reconciliation process becomes faster with minimal errors, employee work monitoring can be done directly, and management can access accurate financial information for strategic decision-making. The conclusion from this activity is that the transformation from manual recording to a digital system has a positive impact on the company's productivity, transparency, and professionalism in managing operational finances.
The Psychology Behind the ‘Buy’ Button: The Role of Overconfidence, Neuroticism, and Sensation Seeking in Stock Investment Decisions in Batam City Johny Budiman; Isnaini Nuzula Agustin; Jessica Tania
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3502

Abstract

The rapid growth of retail investors in Indonesia, dominated by Generation Z, reflects positive developments in the capital market. However, this is not always accompanied by rational investment decision. This phenomenon indicates the inf luence of behavioral and psychological factors in the investment decision-making process. This study aims to examine the influence of behavioral bias on investment decisions, with risk perception as a mediating variable. Using surveys, numerical research technique was used with an emphasis on freshly collected data.The study sample included 365 respondents from Generation Z and Millennials in Batam City, Riau Islands, who are actively involved in the capital mark et.Using Structural Equation Modeling-Partial Least Squares (SEM- PLS) assisted by SmartPLS software, data analysis was carried out.The results show that risk perception and sensation seeking have a significant positive effect on investment decisions, with sensation seeking also having a significant effect on risk perception. Neuroticism has a significant negative effect on investment decisions but not on risk perception, while overconfidence is only significant on investment decisions. Mediation occurs only for sensation seek ing. These findings highlight the importance of improving financial literacy and risk awareness to encourage more rational and sustainable investment decisions, especially among young investors.
The Influence of FinTech Continuance Intention, Financial Access, Financial Literacy, and Innovation on Microenterprise Sustainability Johny Budiman; Liana Liana; Hesniati Hesniati
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 4 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i4.274

Abstract

Microenterprises play a vital role in economic development in Indonesia, especially in creating jobs and supporting the local economy. The majority of microenterprises, especially in the food sector, still suffer from financial literacy, limited access to finance and financial technology (FinTech), and low innovation level, which may threaten sustainability. The study aims to explore the effects of FinTech, financial literacy, financial access, and innovation with the mediation of microenterprise performance on microenterprise sustainability. The research design used is explanatory research with a quantitative research approach. Primary data were collected using structured questionnaires from 280 microenterprise owners using FinTech applications. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that FinTech continuance intention, financial literacy, financial access, and innovation have both direct and indirect impacts on microenterprises sustainability through performance. This highlights the importance of strengthening financial literacy, digitalization, and innovation.
Co-Authors agustin, isnaini nuzula Christina Christina Hesniati Hesniati Jessica Tania Liana Liana