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All Journal Jurnal Ilmu Manajemen (JIM) BISMA (Bisma dan Manajemen) Lentera, Jurnal Studi Perempuan Jurnal Minds: Manajemen Ide dan Inspirasi Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Jurnal Pendidikan Ekonomi Jurnal Ekonomi dan Bisnis al-Uqud : Journal of Islamic Economics SYUKUR (Jurnal Inovasi Sosial dan Pengabdian Masyarakat) Journal of Economic, Bussines and Accounting (COSTING) Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis JURNAL MANAJEMEN (EDISI ELEKTRONIK) Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Dedication : Jurnal Pengabdian Masyarakat Business Management Analysis Journal (BMAJ) Jurnal Muara Ilmu Ekonomi dan Bisnis Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Abdi Insani JEKPEND Jurnal Ekonomi dan Pendidikan JBMR: Journal of Business and Management Review Jurnal Ilmiah Satyagraha International Journal of Economics, Management, Business, and Social Science Transekonomika : Akuntansi, Bisnis dan Keuangan BISMA (Bisnis dan Manajemen) Perbanas Journal of Islamic Economics and Business Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Dedication : Jurnal Pengabdian Masyarakat Riwayat: Educational Journal of History and Humanities Journal of Innovative and Creativity Economic and Education Journal (Ecoducation) KIC International Journal of Educational Research Ecoducation Dinamis: Jurnal Pengabdian Kepada Masyarakat
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Pengaruh Financial Technology, Financial Knowledge, Financial Attitude, Financial Behavior, Dan Income Terhadap Financial Satisfaction Pada Pengguna Aplikasi BCA Mobile Di Kabupaten Lamongan Imroatus Sakinah; Nadia Asandimitra Haryono; Harlina Meidiaswati
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 5 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i5.11101

Abstract

This study examines the influence of financial technology, financial knowledge, financial attitude, financial behavior, and income on financial satisfaction among BCA Mobile users in Lamongan Regency. The research is motivated by the rapid growth of digital financial services and the gap between financial inclusion and financial literacy. The objective is to analyze how these factors contribute to individuals’ financial satisfaction. This study uses a quantitative approach with primary data collected through online questionnaires from 160 respondents selected using purposive sampling. Data analysis was conducted using Structural Equation Modeling based on Partial Least Squares (PLS-SEM) with SmartPLS 4. The results show that financial technology, financial knowledge, financial attitude, financial behavior, and income have positive and significant effects on financial satisfaction. The model demonstrates strong predictive power, indicating that these variables collectively explain a substantial portion of financial satisfaction. The findings highlight the importance of digital financial services, financial literacy, and responsible financial behavior in improving individual financial well-being.
Pengaruh CAMEL Dan Bank Size Terhadap Profitabilitas Bank Digital Yang Terdaftar Di OJK Tahun 2021-2024 Bhagas Adi Nugroho; Nadia Asandimitra Haryono
Kompetensi (Competence : Journal of Management Studies) Vol 20, No 1 (2026): April
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/kompetensi.v20i1.34682

Abstract

Studi ini dilaksanakan untuk menganalisis bagaimana Capital, Asset Quality, Management, Earning, Liquidity, dan Bank Size mempengaruhi profitabilitas pada perusahaan perbankan digital yang terdaftar di Otoritas Jasa Keuangan selama periode 2021-2024. Penelitian ini menerapkan pendekatan kuantitatif berdasarkan data sekunder, dimana pemilihan sampel dilakukan melalui teknik purposive sampling untuk memperoleh sampel yang sesuai dengan kriteria yang telah ditetapkan. Populasi dalam penelitian ini mencakup seluruh bank digital yang dicatat dan dilindungi oleh Otoritas Jasa Keuangan di Indonesia. Berdasarkan hasil regresi data panel menggunakan perangkat STATA 17 menunjukkan bahwa Capital dan Management berpengaruh positif signifikan terhadap profitabilitas, sedangkan Asset Quality dan Earning berpengaruh negatif signifikan terhadap profitabilitas bank digital. Sedangkan Likuiditas dan Ukuran Bank tidak berpengaruh signifikan terhadap profitabilitas bank digital. Temuan ini memberikan kesan praktis bagi berbagai pihak yang berkepentingan dalam industri perbankan digital. Manajemen bank disarankan untuk secara aktif menjaga kualitas aset kredit dan menjaga struktur biaya operasional guna meminimalkan risiko kemacetan kredit dan inefisiensi biaya yang dapat menurunkan tingkat profitabilitas. Investor disarankan untuk melakukan analisis fundamental dan teknikal secara mendalam sebelum mengambil keputusan investasi, serta tidak hanya mengacu pada pertumbuhan aset atau likuiditas sebagai indikator kinerja utama.
PERAN TRANSFORMASI DIGITAL DALAM MENDUKUNG PERTUMBUHAN EKONOMI REGIONAL DI PROVINSI SULAWESI UTARA TAHUN 2020–2024 Trilolorin Sitorus; Abdul Mongid; Nadia Asandimitra Haryono; Muhammad Fachmi
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i2.11883

Abstract

Transformasi digital telah menjadi salah satu faktor strategis yang memengaruhi dinamika pertumbuhan ekonomi regional melalui peningkatan produktivitas, efisiensi transaksi, dan perluasan akses terhadap layanan ekonomi berbasis teknologi. Penelitian ini bertujuan untuk menganalisis perkembangan transformasi digital, perkembangan pertumbuhan ekonomi regional, serta mendeskripsikan peran transformasi digital dalam mendukung pertumbuhan ekonomi di Provinsi Sulawesi Utara selama periode 2020–2024. Penelitian menggunakan pendekatan kuantitatif dengan desain deskriptif-analitis berbasis data sekunder yang diperoleh dari Badan Pusat Statistik Provinsi Sulawesi Utara dan Bank Indonesia. Data yang dianalisis meliputi laju pertumbuhan ekonomi, Produk Domestik Regional Bruto atas Dasar Harga Konstan (PDRB ADHK), Indeks Pembangunan Teknologi Informasi dan Komunikasi (IP-TIK), serta nilai transaksi Quick Response Code Indonesian Standard (QRIS). Teknik analisis yang digunakan meliputi analisis tren, analisis komparatif temporal, dan interpretasi teoritis berdasarkan Endogenous Growth Theory, Transaction Cost Economics, dan teori inklusi keuangan digital. Hasil penelitian menunjukkan bahwa perekonomian Sulawesi Utara mengalami pemulihan yang cukup cepat pascapandemi COVID-19, ditandai dengan pertumbuhan ekonomi yang kembali stabil pada kisaran 5 persen selama periode 2022–2024. Di sisi lain, indikator transformasi digital menunjukkan perkembangan yang positif, terutama melalui peningkatan IP-TIK dan lonjakan nilai transaksi QRIS yang meningkat lebih dari 127 kali lipat selama periode penelitian. Temuan ini mengindikasikan bahwa transformasi digital berperan sebagai faktor pendukung pertumbuhan ekonomi regional melalui peningkatan efisiensi ekonomi, percepatan aktivitas transaksi, dan penguatan ekosistem ekonomi digital, meskipun tantangan berupa kesenjangan digital dan pemerataan infrastruktur TIK masih memerlukan perhatian dalam mewujudkan pertumbuhan ekonomi yang lebih inklusif dan berkelanjutan.
The Influence of Financial Literacy, Money Attitude, and Self-Control on Financial Distress Through Impulsive Buying as a Mediating Variable Among Paylater Users in Surabaya City Nur Lailatus Sholikha; Nadia Asandimitra Haryono; Harlina Meidiaswati
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10637

Abstract

This study aims to analyze the influence of financial literacy, money attitude, and self-control on financial distress through impulsive buying as a mediating variable among Paylater users in Surabaya City. The research was conducted to examine whether financial literacy, money attitude, and self-control significantly affect financial distress directly and indirectly through impulsive buying behavior. The study hypothesizes that higher financial literacy and self-control reduce financial distress, while negative money attitudes and impulsive buying tendencies increase financial distress among Paylater users. This research employed a quantitative approach using a causal associative design. Data were collected through questionnaires distributed to Paylater users in Surabaya City using purposive sampling techniques. The respondents consisted of active users of Paylater services who had experience using digital payment and credit facilities. The collected data were analyzed using Structural Equation Modeling (SEM) with Partial Least Squares (PLS) to test the relationships among variables and the mediating effect of impulsive buying. The results indicate that financial literacy and self-control have a negative and significant effect on financial distress, while money attitude and impulsive buying positively influence financial distress. Furthermore, impulsive buying was found to mediate the relationship between financial literacy, money attitude, self-control, and financial distress. Individuals with low financial literacy and weak self-control tend to engage in impulsive buying behavior, which ultimately increases the risk of financial distress. The findings imply that improving financial literacy and strengthening self-control are essential strategies to minimize financial distress among Paylater users. Financial institutions, educational institutions, and policymakers are encouraged to provide financial education programs and promote responsible digital financial behavior. Future studies are recommended to expand the research scope by involving larger populations, additional variables, and different geographical areas to obtain broader insights into consumer financial behavior in the digital era.
KESETARAAN GENDER DAN KINERJA NON FINANSIAL PADA PERUSAHAAN PUBLIK DI INDONESIA Yudha Adhitya; Nadia Asandimitra Haryono; Harlina Meidiaswati
Jurnal Ilmu Manajemen Vol. 14 No. 2 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v14n2.p453-471

Abstract

The objective of this study is to examine the influence of gender equality on corporate ESG performance among publicly listed companies in Indonesia. This research employs an explanatory quantitative approach by analyzing secondary data obtained from the annual reports and sustainability reports of 21 companies included in the ESG Leaders Index of the Indonesia Stock Exchange as of April 24, 2025, over a four-year period (2021–2024), using panel data regression. The findings indicate that gender equality, proxied by the proportion of female directors on the board, has a positive effect on overall ESG performance as well as on environmental and social performance. However, its effect on governance performance is negative. The minimum threshold of female representation on the board does not influence ESG performance or any of its individual dimensions. These results reinforce stakeholder theory and resource dependence theory. The differing result regarding critical mass theory may be attributed to variations in country-specific conditions. This study also provides insights for publicly listed companies in Indonesia seeking to enhance their ESG performance by offering greater opportunities for women to serve on corporate boards.
Pengaruh Capital Structure, Activity Ratio, Sales Growth, Firm Size, Dan Inflasi Terhadap Financial Distress Pada Perusahaan Sector Technology Yang Terdaftar Di BEI Periode 2021 - 2024 Syifa Aulia Mahadevi; Ulil Hartono; Nadia Asandimitra Haryono
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 6 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/wvcy7y44

Abstract

This study examines the effect of capital structure, activity ratio, sales growth, firm size, and inflation on financial distress in technology sector companies listed on the Indonesia Stock Exchange during 2021-2024. The research uses a causal quantitative design with secondary data from annual reports, financial statements, and official inflation data. Financial distress is measured using the Springate S-Score and converted into a dummy variable, where 1 indicates distress and 0 indicates non-distress. Using purposive sampling, 28 companies were selected from 47 technology firms, producing 112 firm-year observations. The data were analyzed using binary logistic regression with Stata 17. The results show that 42 observations or 37.5% were classified as distressed. The model passed the Hosmer-Lemeshow test, achieved 78.57% classification accuracy, and produced an AUC of 0.8565. Activity ratio, firm size, and inflation have a significant negative effect on financial distress, while capital structure and sales growth are not significant. The findings indicate that asset efficiency and company scale are more decisive in reducing financial distress risk than debt structure or sales expansion alone.
Pengaruh digital financial literacy, peer influence, self-control, dan lifestyle pada saving behavior generasi z penggemar k-pop di pulau jawa Naswa Marsha Azzara; Yuyun Isbanah; Nadia Asandimitra Haryono; Ina Uswatun Nihaya
Jurnal Ilmu Manajemen Vol. 14 No. 3 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v14n3.p572-584

Abstract

This study aims to analyze the influence of digital financial literacy, peer influence, self-control, and lifestyle on the saving behavior of Generation Z K-Pop fans in Java. The research method used is quantitative with a correlational approach. The research population is Generation Z K-Pop fans in Java, with sampling using non-probability snowball sampling. Data was collected through an online questionnaire and 220 respondents who met the research criteria were obtained. Data analysis was performed using the Structural Equation Modeling (SEM) method with the help of SmartPLS software version 4.1.1.4. The results showed that digital financial literacy and peer influence did not affect on saving behavior. Meanwhile, self-control and lifestyle had a positive and significant effect on the saving behaviour of Generation Z K-Pop fans in Java. This study contributes by explaining saving behavior within fandom-based consumption contexts, where financial decisions are driven by both emotional attachment and planned saving strategies. The practical implications emphasize the importance of continuous and inclusive financial education initiatives led by regulators, alongside improved accessibility and quality of banking services to support effective financial management. Additionally, the findings suggest the K-pop industry can contribute by providing secure, flexible payment features that encourage responsible financial planning, thereby helping individuals minimize financial risks and make more structured spending decisions.
THE ROLE OF GREEN HRM AND MANAGERIAL SUPPORT IN SHAPING EMPLOYEES’ INTENTIONS TOWARD PRO-ENVIRONMENTAL ACTIONS Rahayu Mardikaningsih; Nadia Asandimitra Haryono
Jurnal Ilmiah Satyagraha Vol. 8 No. 2 (2025): Jurnal Ilmiah Satyagraha
Publisher : Universitas Mahendradatta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47532/m4g26692

Abstract

Penelitian ini bertujuan menguji pengaruh Green HRM dan Managerial Support terhadap Employees’ Intentions toward Pro-Environmental Actions pada pekerja di empat perusahaan berorientasi lingkungan. Metodologi yang digunakan merupakan survei kuantitatif dengan sampel 100 responden yang diperoleh menggunakan purposive sampling. Analisis dilakukan menggunakan regresi linier berganda. Hasilnya menunjukkan bahwa baik Green HRM maupun Managerial Support berpengaruh signifikan terhadap intensi karyawan untuk berpartisipasi dalam tindakan pro-lingkungan. Temuan ini memberikan implikasi teoretis dan praktis terkait pentingnya penguatan kebijakan SDM serta keterlibatan aktif manajemen untuk mendukung agenda keberlanjutan di tempat kerja.
PENGARUH LITERASI KEUANGAN TERHADAP KINERJA USAHA MIKRO KECIL DAN MENENGAH (UMKM) BIDANG FASHION DI SURABAYA DENGAN PRAKTEK MANAJEMEN KEUANGAN SEBAGAI VARIABEL INTERVENING Rahmawati Rahmawati; Nadia Asandimitra Haryono; Andre Dwijanto Witjaksono
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/x9yege18

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap kinerja usaha UMKM fashion di Surabaya, serta menguji peran mediasi praktik manajemen keuangan dalam hubungan tersebut. Survei dilakukan terhadap 158 pelaku UMKM dengan menggunakan kuesioner skala Likert, dan data dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil menunjukkan bahwa literasi keuangan berpengaruh positif signifikan terhadap kinerja usaha, serta terhadap praktik manajemen keuangan. Praktik manajemen keuangan juga berpengaruh signifikan terhadap kinerja usaha, dan secara signifikan memediasi hubungan antara literasi keuangan dan kinerja usaha. Didapatkan hasil bahwa pemahaman keuangan yang diterapkan secara konsisten melalui praktik manajerial dapat meningkatkan performa bisnis secara nyata. Hasil penelitian ini menunjukkan bahwa peningkatan literasi keuangan yang diiringi praktik manajemen keuangan yang baik menjadi kunci penting dalam mendorong keberhasilan UMKM fashion di Surabaya.
Perbandingan Kinerja Saham Konvensional dan saham syariah di Pasar Modal Irgi Priantito; Nadia Asandimitra Haryono
Jurnal Ilmu Manajemen Vol. 14 No. 1 (2026)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v14n1.p159-167

Abstract

This study aims to identify and explain the comparative performance of conventional and Sharia-compliant stocks in the capital market using the calculating return and standard deviation to measure returns and risks. It is a quantitative descriptive study whose population comprises stocks listed on the Jakarta Islamic Index (JII) and the IDX30 during 2020–2024. Samples were drawn via purposive sampling, selecting companies that met specific criteria to provide relevant data. Statistical analysis was performed using an Independent Samples t-test in SPSS Statistics 25. Quantitative descriptive methods were employed, with stock returns and risks (standard deviation) as performance indicators. Purposive sampling selected 7 Sharia and 7 conventional stocks consistently listed during the period. Statistical analysis using the Independent Samples t-test in SPSS 25 showed no significant differences in returns or risks between Sharia and conventional stocks. External factors such as the COVID-19 pandemic, government policies, and global market fluctuations contributed to this convergence. The results indicate no significant difference in returns or risks between Sharia-compliant and conventional stocks. This lack of distinction is attributed to the economic downturn caused by the COVID-19 pandemic, as well as external factors such as government policies, interest rate movements, currency fluctuations, and global market volatility. These findings imply that Sharia-compliant stocks offer financial performance comparable to conventional stocks, supporting their viability for Muslim investors.
Co-Authors Abdul Mongid ACHMAD KAUTSAR Aditya Yoshua Afriani, Tia Agus Frianto Alfrin Erman Sampoerno Amirusholihin Amirusholihin Anang Kistyanto Andre Dwijanto Witjaksono Andry Irwanto Anglia Dinda Pramedi Aris Sasurya Arsheila Primadita Bagus Pribadi, Bagus Bhagas Adi Nugroho Cahyono, Gilang Indra Damaiyanti, Arif Fera Daniel Siahaan Depi Milayati, Depi Dewanti, Vicky Pradita Dewie Trie Wijayati Dian Ulya Putra Dina Ika Kaptiana Dita Kurnia Rahmadani Dita Rahmawati Dyana Novita Taristy Ernest Yuvicha Primadita Permana Fahrizal Anwar Febrika Yogie Hermanto Fifin Andhiana Fikriyah, Khusnul Firda Khoirotun Nisa Fresha Kharisma Fridana, Ifanda Ogix Frisca Novia Sukmawati Gilang Indra Cahyono Hantono, Ulil Hariyati Hariyati Harlina Meidiaswati Helmi Ishartanto Hery Widijanto I Made Narsa Imroatus Sakinah Ina Uswatun Nihaya Indarwati, Tias Insyirah Putikadea Irgi Priantito Irkham, Nuriyah Jamik Jamik Ladi Wajuba Perdini Fisabilillah M. Riadhos Solichin Mahadevi, Syifa Aulia Marisyah Dwi Ambarsari Mawalia Ulumudiniati Moch. Sigit Prabowo Moh Maulidi Syarif Mongid, Abdul MONIKA TIARAWATI Monika Tiarawati Muhammad Danang Mahardhika Muhammad Fachmi Nabiilah, Irfani Azzah Naswa Marsha Azzara Nindria Untarini Noni Aisyah Sofiamira Nugraha, Egananda Septian Nur Lailatus Sholikha Nurul Rizqia V. Lumaela Nurul Rizqia V. Lumaela Prabowo, Moch. Sigit Prabowo, Sony Ilham Pramedi, Anglia Dinda Priscilla Irene Sudiro R.A. Sista Paramita Rahayu Mardikaningsih Rahmawati Rahmawati Ramadhan, Aditya Yanuar Rasyidi Faiz Akbar Ratih Amelia Refiana Dwi Maghfiroh Resty Apriliana Ningsih Rindik Rita Purwaningsih Riskhy Tia Femianita Rohmah, Eva Mujayati Safa Tasya Amalia Sari, Windy Puspita Septyan budy Cahya Shalahudin Al Ayubi Siti Mauidhoh Syarfi Siti Mi'Danur Rahmah Sony Ilham Prabowo Sri Setyo Iriani Syarfi, Siti Mauidhoh Syifa Aulia Mahadevi Tia Afriani Trilolorin Sitorus Ucik Siswoyo Ujang S. Mubarok Ulil Hantono Ulil Hartono Ulil Hartono Veni Rafida Vicky Pradita Dewanti Vivi Pratiwi Widyastuti WIDYASTUTI Widyastuti Widyastuti Widyastuti Widyastuti Wiwik Handayani Yessy Artanti Yudha Adhitya Yuyun Isbanah Zulfialdi, M. Farid