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Factors Influencing E-Wallet Usage Among Generations X and Y Agustin, Isnaini Nuzula; Oskar, Franky; Suprapto, Yandi
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.1783

Abstract

Digital transformation has changed people's preferences in transactions, especially in choosing e-wallet-based payment methods. Although the growth potential of e-wallets in Indonesia is quite large, the adoption rate remains below expectations among Generation X and Y, who have greater purchasing power compared to Generation Z. While younger users tend to adopt e-wallets more easily, older generations still show inconsistent usage behavior, indicating that achieving sustainable adoption remains a challenge. This study aims to analyze the factors that influence continuance intention in the use of e-wallet services among Generations X and Y in Batam City. A total of 155 respondents from both generations were involved through the distribution of online questionnaires. The sampling technique used was non-probability sampling with a purposive sampling approach. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with the help of the SmartPLS application. The results of this study indicate that perceived security and utilitarian value significantly influence continuance intention. Meanwhile, utilitarian value and continuance intention significantly influence e-wallet usage. Additionally, continuance intention is proven to mediate the relationship between perceived security and e-wallet usage. Generation X users tend to prioritize security and personal data protection when deciding to continue using e-wallets, whereas Generation Y users focus more on convenience and functional benefits. Therefore, these findings are expected to contribute to e-wallet service providers and policymakers in designing strategies to address these generational differences to strengthen long-term adoption.
Dari Keberagaman ke Nilai: Bagaimana ESG Menghubungkan Keberagaman Gender dan Nilai Perusahaan Candy; Verawati; Suprapto, Yandi
Jurnal Manajemen dan Keuangan Vol 14 No 2 (2025): Journal Management and Finance
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i2.12843

Abstract

This study aims to analyze the effect of gender diversity on firm value with ESG performance as a mediating variable. The research was conducted on 65 manufacturing companies in Indonesia that implement ESG performance and have published audited financial reports from 2019 to 2023. A quantitative method was employed using purposive sampling, and data analysis was conducted using Stata 17. The results show that gender diversity has a significant effect on firm value through ESG performance as a mediator. Gender diversity has a positive influence on ESG performance, while ESG performance has a negative impact on firm value. These findings highlight the important role of ESG in bridging the relationship between gender diversity and firm value.
DOES ESG AFFECT FIRM PERFORMANCE? EVIDENCE FROM INDONESIA Hesniati, Hesniati; Richard, Richard; Suprapto, Yandi; Candra, Tony
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 3 (2025): Edisi September - Desember 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i3.6651

Abstract

This study analyzes how Environmental, Social, and Governance (ESG) affects the value of companies listed on the Indonesia Stock Exchange (IDX). Researchers applied a purposive sampling method to select 86 companies that had a clear ESG score from Refinitiv and were listed on the IDX during the 2018–2022 period. It employs Ordinary Least Squares (OLS) for data analysis, to examine the relationships between the variables. Findings show that environmental and governance performance are negatively related to firm value, this tells that companies with high environmental and governance performance will has a higher spendings which will lower the company’s value, while social performance has a positive impact when considered alongside the other ESG components. A key limitation of this study is its exclusive focus on the Indonesian market, where distinctive regulatory frameworks, ESG disclosure practices, cultural factors, and investor preferences may shape the relationship between ESG performance and firm value in ways that differ from other countries, thereby limiting the extent to which the findings can be generalized to broader global contexts.
THE INFLUENCE OF SELF-CONTROL, OVERCONFIDENCE & FINANCIAL LITERACY ON INVESTMENT DECISIONS OF HIGH RISK ASSETS AMONG THE MILLENNIAL GENERATION AND GENERATION Z Suprapto, Yandi; Joycelyn; Wisnu Yuwono
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol. 8 No. 2 (2025): Juli (2025) - Desember (2025)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jmd.v8i2.1445

Abstract

This research is aimed to perform an investigation regarding the capability of financial literacy, including overconfidence bias and self-control proceed a significant influence on shaping Gen Z and Millennials’ decision to invest. Furthermore, the research also examines how risk tolerance mediating role in the relationship between independent-dependent variables. By employing quantitative approach, utilizing PLS-SEM modelling, the research gained data which is derived from 168 active investors in the capital market of Indonesia. The findings shown the significant influence of financial literacy, self-control, and overconfidence in shaping risk tolerance, which also turns out as a bridge towards the decision of individuals to invest. In this context, financial literacy highly encourages higher overconfidence distorts the perception of risk, well-examined risk taking, and self-control which able to foster such impulsive actions, which further shape the decisions of investment choices. The findings also offers such major insights regarding young investors’ behaviour in the capital market and underlines the requirement to utilize an effective and well-targeted financial education and training of behavioural finance. Those results might be applicable for further literatures looking forward in the development of these theoretical models for further financial professionals, purposed in showing more support to client in investigating the emerging landscape of investment.
Factors Effecting Phone Brand’s Purchase Decision, Mediated By Purchase Intention Suprapto, Yandi; Halim, Wiliana; Kesumahati, Eriliana
At-Tadbir : jurnal ilmiah manajemen Vol 10, No 1 (2026): At-Tadbir: jurnal ilmiah manajemen
Publisher : Islamic University of Kalimantan MAB Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/atd.v10i1.21273

Abstract

As the global market continues to change dynamically, smartphone brands industry constantly developing and innoovate new features to fulfill the market demands. The rising of new demands feature resulting businesses to have to intensify their efforts to address those needs, while still maintaining continues rise of sales to earn revenues. This research was done with the intention to study further the role of purchase intention mediating the relationships between social media marketing, brand image, E-WOM, and purchase decision as the dependent. By using quantitive method to obtain the data for this research, a sum of 253 different respondents was gathered all over Indonesia with the type of sampling used was nonprobability. The data gathered were then proceesed by using Smart PLS 3 and SPSS 27. This research resulted that all hypothesis is accepted, except for those who’re involved with the social media marketing variable are rejected. In essence, these findings indicate that businesses can utilize better aspects such as brand image and EWOM in gaining customers willingness to purhcase their products.
Implementasi Promosi Marketing Mix pada Usaha Toko Oki MKGR Suprapto, Yandi; Halim , Wiliana
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 2 (2025): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/4ch8xq70

Abstract

The purpose of this article is to examine the implementation of the marketing mix promotion at the Oki MKGR Store. The identification results show a visible impact and improvement in Oki MKGR Store sales. This includes increased consumer brand awareness of the business, easier purchasing activities for buyers with WhatsApp, and increased daily sales from consumers viewing Oki MKGR Store content and posts on Instagram and Facebook.