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All Journal Manajemen Bisnis Kompetensi DeReMa (Development Research of Management) Jurnal Manajemen Indonesian Journal of Sustainability Accounting and Management Jurnal ULTIMATICS Jurnal ULTIMA Accounting Ultima Management : Jurnal Ilmu Manajemen Jurnal Riset Bisnis dan Manajemen Emerging Markets : Business and Management Studies Journal JBMR: Journal of Business and Management Review International Journal Of Science, Technology & Management (IJSTM) Journal of Applied Data Sciences International Journal of Finance Research International Journal of Community Service & Engagement AICS Arkus Akuntansi Bisnis & Manajemen (ABM) Prosiding Konferensi Nasional PKM-CSR Indonesian Journal of Multidisciplinary Science Business and Entrepreneurial Review International Journal of Business and Applied Economics (IJBAE) Journal Research of Social Science, Economics, and Management Indonesian Journal of Sustainability Accounting and Management Multidiscience: Journal of Multidisciplinary Science
Kurniasari, Florentina
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Determinant Factors of Fintech Adoption in Organization using UTAUT Theory Approach Florentina Kurniasari; Prio Utomo; So Yohannes Jimmy
Journal of Business and Management Review Vol. 4 No. 2 (2023): (Issue-February)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr42.6032023

Abstract

The presence of Financial Technology (FinTech) as an innovative and disruptive financial service can improve the efficiency and scope of organization business process through the application of technology. In determining the effectiveness of Fintech adoption, each organization will measure by considering both from the perspectives of management and user in the organization. This proposed study aims to examine the effect of FinTech adoption in organization using the UTAUT approach. It attempts to measure the variable of performance expectancy, effort expectancy, social influence, customer’s trust and regulatory services into the effect of FinTech adoption in the organization. This study adopts quantitative method through online survey and the data will be analyzed by using Structural Equation Method (SEM). This proposed study’s findings could contribute by enhancing the organization the importance of FinTech adoption to increase business performances. The study showed that the the adoption of FinTech in organization had significantly influenced by performance expectancy, effort expectancy, social influence, customer trust as well as regulatory services. Customer trust itself had the highest influenced among others. Meanwhile, regulatory services had the smallest influence to the FinTech adoption in Organization.
Observing Digital Leadership Model through Interpretative Phenomenological Analysis a la Regulator during Pandemic Era Ridhony Marisson Hasudungan Hutasoit; Florentina Kurniasari; Ringkar Situmorang
Indonesian Journal of Multidisciplinary Science Vol. 2 No. 2 (2022): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (821.028 KB) | DOI: 10.55324/ijoms.v2i2.284

Abstract

he COVID-19 pandemic has had a significant impact on changing people's behavior. The pandemic has become one of the accelerators for the acceleration of human civilization to internalize technology in various dynamics of human life. One of the sectors affected by this pandemic is the financial services sector, which includes the banking sector, capital markets, and the non-bank financial industry. This dynamic needs to be responded by the Financial Services Authority (OJK) as the regulator, supervisor, and enforcer and consumer protection service in the financial services sector in accordance with Law Number 21 of 2011 concerning the Financial Services Authority. The role of OJK representatives in the regions became significant as an extension of the head office. The role of digital leaders is needed in achieving task force performance through digital transformation. The phenomenological approach is an option in this research as a medium to explore research problems. Researchers use Interpretative Phenomenological Analysis (IPA) as a data analysis technique in tracing the meaning of the phenomenon that occurs. Based on the results of research conducted by the OJK of Southeast Sulawesi Province, seven qualities of the digital leader model in the success of digital transformation consisted of digital literacy, vision, stakeholder concern, agility, risk taking, collaboration, and compliance with regulations/policies.
How to Improve the Propensity to Indebtedness of Shopee Paylater Gen Z Users? Arief Iswariyadi; Florentina Kurniasari; Hendy Tannady; Muhamad Aslan Kazhim
Arkus Vol. 9 No. 1 (2023): Arkus
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/arkus.v9i1.295

Abstract

Paylater payment methods in Indonesia can be financially harmful to society, especially the many cases of users, especially young people, who fail to pay their paylater. This research aimed to find the relationship between financial literacy, materialism, and compulsive buying to a propensity to indebtedness in Shopee gen-Z users. This study is casual research using a quantitative approach and is described descriptively. This study uses the population of generation Z Shopee Paylater users in Jabodetabek. The sample used was 170 generation Z Shopee Paylater users in Jabodetabek. Data was collected through a questionnaire. The analysis model used in this research is structural equation modeling (SEM). The results of the research that has been done state that there is an insignificant influence between financial literacy and propensity to indebtedness. Other results show a positive impact between materialism on the propensity to indebtedness, compulsive buying on propensity to indebtedness, and materialism on compulsive buying. In conclusion, financial literacy has a negative impact on materialism and compulsive buying.
CEO Compensation and Firm Performance: The Role of ESG Transparency Chetna Rath; Florentina Kurniasari; Malabika Deo
Indonesian Journal of Sustainability Accounting and Management Vol. 4 No. 2 (2020): December 2020
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28992/ijsam.v4i2.225

Abstract

Chief executive officers (CEOs) of environmental, social, and governance (ESG) firms are known to take lesser pay and engage themselves in corporate social responsibility activities to achieve the dual objective of the enhancement of firm’s performance as well as benefit for stakeholders in the long run. This study examines the role of ESG transparency in strengthening the impact of firm performance on total CEO pay in ESG firms. A panel of 67 firms for the period of 2014–2019 has been analyzed using the two-step system GMM model, with NSE Nifty 100 ESG Index as the data sample and ESG scores from Bloomberg database as a proxy for transparency. Findings reveal that environmental and governance disclosure scores have the potential to intensify the negative relationship between firm performance and CEO compensation, while social disclosure scores do not. In addition, various firm-specific, board-specific, and CEO-specific attributes have also been considered controls affecting remuneration. This paper contributes to the literature by exploring the effect of exhibiting ESG transparency and its nexus with CEO pay as well as firm performance.
The Effect Of Financial Capability, Technology Usage And Prior Bank Experience Into Millenial Online Shopping Behavior Kurniasari, Florentina; Abubakar, Arlyana
International Journal of Science, Technology & Management Vol. 4 No. 5 (2023): September 2023
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v4i5.917

Abstract

The rapid development of technology has made all aspects of human life easier. Online shop is a form of change brought about by technological developments. With an online shop, humans can shop wherever and whenever. This convenience, of course, must be followed by sufficient financial capabilities because the ease of shopping that is not followed by good financial capabilities will cause new problems, especially financial problems. With a quantitative approach, researchers want to find out whether Financial Capability, Technology usage, and prior bank experience influence a person's online shopping behavior. The sample in this study were residents of Jakarta and Tangerang aged between 19-34 years. Data collection was carried out by distributing questionnaires through the Google Form. Meanwhile, to analyze, researchers used Smart-PLS 3.0 software. The results of the study concluded that financial capability has a positive effect on online shops, while technology usage and prior bank experience have no effect on online shops.
Analysis of the Effect of Promotion and Dissatisfaction on Digital Wallet Brand Switching through the Need to Find Variations in Case Study on Ovo Santika, Febi; Kurniasari, Florentina
International Journal of Business and Applied Economics Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v4i1.13249

Abstract

The growth of e-wallet users in Indonesia shows a very positive trend, the number of e-wallet users increases significantly every year. Some of the reasons Indonesians prefer to use digital payments or e-wallets are because they feel more comfortable, fast transactions, no need to carry a lot of cash and cards, easy to use, easier to track expenses, safer and more hygienic, until there are various promotions that provide benefits for users. However, amidst the growth in the number of e-wallet users in Indonesia, OVO as one of the leading digital wallets in Indonesia has experienced a downward trend until it is difficult to compete with its competitors such as Gopay and Shopeepay. This study aims to determine how the influence of promotion and dissatisfaction on brand switching through the need to seek variations of OVO e-wallet users in Jakarta. The sample used in this study amounted to 127 respondents using non-probability sampling techniques. The results showed that promotion affects brand switching, dissatisfaction affects brand switching, the need to seek variety influences brand switching, and the need to seek variety can be a mediating variable in this study.
The Influence of Environmental Consciousness, Environmental Concern, Perceived Value, Perceived Risk on Purchase Intention Through Product Trust Mediation: Study of the Recycled Product Industry in Banten Province An Nisaa Syauqi Ul Jannah; Prio Utomo; Florentina Kurniasari
Journal Research of Social Science, Economics, and Management Vol. 4 No. 1 (2024): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v4i1.688

Abstract

The waste problem requires a multidimensional approach, especially in processing and sorting at the source, in line with the Sustainable Development Goals of achieving zero waste in the future. The waste bank program has been introduced to support waste reduction and the circular economy, but public interest in recycled products remains low. Banten Province, one of the five provinces with the highest waste tonnage in Indonesia in 2022, showed interest of only 19.3%. This study aims to identify the factors influencing public purchase intention of recycled products, with product trust as a mediating variable. Through online questionnaires and data analysis using SEM PLS, involving 158 respondents in Banten Province, it was found that environmental consciousness, environmental concern, perceived value, and perceived risk significantly influence the purchase intention of recycled products. Additionally, these factors also significantly affect product trust. Mediation analysis shows that product trust can mediate the relationship between environmental consciousness and environmental concern with purchase intention, but it is not optimal in mediating the impact of perceived value and perceived risk. Recommendations for environmental activists in Banten Province include increasing the credibility and clarity of information regarding recycled products, as well as ensuring the cleanliness and safety of these products to directly enhance public purchase intention and support the circular economy in Banten Province.
Evaluation of the Integration of Learning Management Systems with Virtual Reality Platform Farameita, Era; Kurniasari, Florentina; Tjahjana, David
Multidiscience : Journal of Multidisciplinary Science Vol. 2 No. 2 (2025): June
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/multidiscience.v2i2.404

Abstract

This study evaluates the integration of Virtual Reality (VR) into Learning Management Systems (LMS) and its impact on learner engagement, motivation, and retention within a professional training context. Employing a mixed-methods design, data were collected from 200 participants using pre- and post-tests, system-generated metrics, questionnaires based on Self-Determination Theory (SDT), and qualitative interviews. Quantitative analyses, including descriptive statistics, Pearson correlation, t-tests, ANOVA, and multiple regression, revealed that VR usage significantly enhanced learning outcomes, with VR exposure time and perceived learner autonomy emerging as key predictors of retention. Younger and male participants demonstrated higher retention scores, highlighting the moderating effect of age and gender. Qualitative findings supported the quantitative results, indicating increased immersion and conceptual understanding despite minor technical challenges. Confirmatory Factor Analysis (CFA) confirmed the validity and reliability of the measurement instruments. These findings provide empirical support for the pedagogical potential of VR-integrated LMS environments and offer practical recommendations for personalized instructional design in digital education.
The Effect of Financial Literacy on Financial Inclusion in Sustaining Indonesia SMEs Growth Florentina Kurniasari
Indonesian Journal of Sustainability Accounting and Management Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28992/ijsam.v7i2.169

Abstract

As stated in UN Sustainable Development Goals (SDGs), financial inclusion is one strategy to reduce poverty in one country, including Indonesia. The Indonesian government was facing a problem in experiencing a relatively low financial inclusion index. Many Indonesians are reluctant to have business with the financial institution. Increasing the financial literacy rate among Indonesians was expected to get a higher financial inclusion index. Therefore, the main objective of this research was to analyze the effect of financial literacy with all its dimensions included: knowledge, skill, attitude, and behavior on financial inclusion. The Indonesian government had a serious commitment to accelerating economic growth by supporting the role of SMEs as the backbone of the country’s economic development. In fact, many SMEs had some difficulties in getting access to formal financial institutions to support their business growth. As quantitative research, the study distributed questionnaires to 150 SMEs in culinary businesses located in South Tangerang. All data were statistically analyzed. The data collection was further processed statistically using the Structural Equation Method (SEM). The study showed that all variables of financial literacy, including knowledge, skill, attitude, and behavior had a significant effect on financial inclusion. Knowledge had the highest effect on financial inclusion. Therefore, it was an urgency to educate people and provide necessary information related to the financial products and services.
Explaining Students' Digital Entrepreneurial Behavior: The Role of Social Media Adoption in an Integrated TPB–UTAUT Model Lestari, Elissa Dwi; Kurniasari, Florentina; Natania, Davina; Kurniawan, Alvin Yuan; Budiyanto, Hendro
Journal of Applied Data Sciences Vol 6, No 4: December 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i4.965

Abstract

Amidst digital transformation and demographic bonuses in Indonesia, the emergence of digital entrepreneurship among the younger generation has become a promising yet challenging phenomenon. The main objective of this study is to develop and empirically evaluate an integrated model that explains students' digital entrepreneurial behavior by integrating psychological and technological viewpoints and combining the Theory of Planned Behavior (TPB) and the Unified Theory of Acceptance and Use of Technology (UTAUT) approaches. TPB has been widely used to predict entrepreneurial intentions and behavior. However, TPB is not yet considered to be able to capture the role of comprehensive technology adoption in the context of digital entrepreneurship. To bridge this gap, this study integrates the UTAUT approach, which focuses on technology acceptance factors. This integration addresses the shortcoming of the TPB by completely including the impact of digital technology adoption on entrepreneurship, while the UTAUT fails to include psychological motivation. PLS-SEM analyzed data from 322 student entrepreneurs who run social media-based enterprises. The study found that the TPB-UTAUT framework explains 62.2% of the variation in social media adoption (R² = 0.622) and 62.6% of the variance in entrepreneurial activity (R² = 0.626). Eight out of nine hypotheses were supported: attitudes (β = 0.330, p 0.001) and perceived behavioral control (β = 0.189, p = 0.008) significantly influenced social media adoption, while attitudes (β = 0.155, p = 0.006), perceived behavioral control (β = 0.295, p 0.001), performance expectancy (β = 0.149, p = 0.011), and social media adoption (β = 0.225, p = 0.001) directly enhanced entrepreneurial behavior. Effort expectation influenced adoption (β = 0.183, p = 0.005) but not behavior (β = 0.101, p = 0.069). The novelty of this study lies in demonstrating that among digital-native students, effort expectancy loses significance in predicting entrepreneurial behavior, indicating a generational shift in technology adoption dynamics. These insights offer theoretical enrichment and practical implications for designing digital entrepreneurship curricula and policies in developing countries.
Co-Authors Abubakar, Arlyana Ade Suyono, Kristianus Akhmad Zainal Mubarak Ala Al Kafri Amiputra, Satria An Nisaa Syauqi Ul Jannah Andoko, Andrey Andrew Djauhary Andy Firmansyah Annisa Afra Fortuna Antonius Sony E N Ardi Gunardi Arief Iswariyadi Bonaventura Kusuma Jaya Budiyanto, Hendro Chetna Rath Daniel Antonius Deborah Naomi Tampoli Djohan Gunawan Hasan Elissa Dwi Lestari, Elissa Dwi Endarto, Eko Agus Prasetyo Ernie Hendrawaty Evan Tehdi Fachry Abda El Rahman Farameita, Era Fayed Abdul Hakim Hakim, Fayed Abdul Hendy Tannady Ika Yanuarti Imanuel Sudarsono Jansen Wiratama Jansen Wiratama Johny Natu Prihanto Juliadi, Rismi Juvy Reyes Kantika Kantika Kurniawan, Alvin Yuan Lala, Yohanes Brian Caesaryano Malabika Deo Maria Bernadeta Erika Oktoviani Maya Angela Natalia Meidy Nurindah Hasri Misi, Ratu Upisika Maha Mubarak, Akhmad Zainal Muhamad Aslan Kazhim Muhammad Fadhlan Mulyono Mulyono Mulyono Mulyono Natania, Davina Neskia Adyni Nicolaus Wahana Darato Nuttaphat Sukchitt Oktoviani, Maria Bernadetta Erika Prihanto, Johny Prio Utomo Purnamaningsih Purnamaningsih Putri, Farica Perdana Ridhony Marisson Hasudungan Hutasoit Ringkar Situmorang Samuel Ady Sanjaya Santika, Febi Santo Fernandi Wijaya Silva, Noemi da Singh, Rajesh Prettypal So Yohannes Jimmy Sony E N, Antonius Thomas Dwi Susmantoro Tjahjana, David Trihadi Pudiawan Erhan Utomo, Prio Vina Medya Oktaviani Wanda Gema Prasadio Akbar Hidayat Wilson, Timothy Wiratama, Jansen Yohanes Brian Caesaryano Lala Yoke Ranlym Arifin