Article Per Year (5 Year)
p-Index From 2020 - 2025
3.06
P-Index
This Author published in this journals
All Journal Jurnal Manajemen Terapan dan Keuangan Ekonomi Bisnis Asia-Pacific Management and Business Application Hasanuddin Economics and Business Review Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT JRMSI - Jurnal Riset Manajemen Sains Indonesia Jesya (Jurnal Ekonomi dan Ekonomi Syariah) MABIS: Manajemen dan Bisnis Revitalisasi : Jurnal Ilmu Manajemen RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Formosa Journal of Multidisciplinary Research (FJMR) Formosa Journal of Applied Sciences (FJAS) Jurnal Dehasen Untuk Negeri Multifinance Student Journal of Business and Management (SJBM) Management Analysis Journal Jurnal Akuntansi
Zoraya, Intan
Unknown Affiliation
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Public Health Social Sciences Other

Published : 21 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 21 Documents
Search

 1   2   3 
Economic Policy Uncertainty and Firm Value: The Role of Company Debt Apriansyah, Syahrud; Kamaludin, Kamaludin; Zoraya, Intan; Putra, Mukti Trio; Afandy, Chairil
APMBA (Asia Pacific Management and Business Application) Vol. 13 No. 3 (2025)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2025.013.03.4

Abstract

This study examines the impact of economic policy uncertainty (EPU) on firm value, integrating several variables to enhance the understanding of this relationship. These variables include corporate leverage, debt restructuring, and firm performance. The data for this research were collected through a purposive sampling method, focusing on the financial statements of manufacturing companies in the ASEAN region from 2018 to 2023. The analysis will employ panel data regression techniques, utilizing the Eviews12 application. The findings indicate that EPU significantly affects corporate leverage, performance, and firm value. However, leverage, as proxied by Debt-to-Asset Ratio (DAR) and Debt-to-Capital Ratio (DCR), does not fully account for the performance and value of firms; only the DCR demonstrates a significant impact. Moreover, DCR is found to mediate the relationship between EPU and corporate performance or firm value. In contrast, debt restructuring does not moderate the effect of EPU on corporate performance. Lastly, it is evident that company performance significantly influences firm value and can mediate the impact of EPU on that value.
Pelatihan Manajemen Sumber Daya Manusia Tentang Pemanfaatan Sosial Media Dikalangan Bisnis Umkm Kabupaten Bengkulu Tengah Abdillah, Willy; Zoraya, Intan; Widanti, Afrima; Putri, Lydia Gustina
Jurnal Dehasen Untuk Negeri Vol 4 No 2 (2025): Juli
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jdun.v4i2.8968

Abstract

This Community Service (PKM) activity aims to increase the understanding and skills of MSME players assisted by the Central Bengkulu Regency Cooperative and Small Business Office in human resource management (HR) in the digital era and how MSME Business Actors utilize Banking technology to improve MSME businesses. Micro, Small and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy, contributing around 60% of the Gross Domestic Product (GDP) and absorbing more than 97% of the national workforce (Ministry of Cooperatives and SMEs, 2021). However, many MSMEs face challenges in access to financing and technology. This research aims to develop MSMEs through the utilization of digital banking technology and advance micro businesses by providing KUR Mikro loan facilities. Using quantitative and qualitative approaches, this study will analyze the impact of digital technology on MSME performance and the effectiveness of the KUR Mikro program in improving the competitiveness of micro enterprises.
The Influence of CSR, Environmental Investment, Environmental Performance, Environmental Disclosure and Financial Performance (Empirical Study on Manufacturing Companies Registered on the IDX) Siregar, Nella Astria; Zoraya, Intan
Management Analysis Journal Vol. 14 No. 3 (2025): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v14i3.32015

Abstract

This study aims to evaluate the influence of Corporate Social Responsibility (CSR), environmental investment, environmental performance, and environmental disclosure on the financial performance of companies. The research is motivated by the crucial role of sustainability practices and corporate social responsibility in supporting financial outcomes, particularly in the manufacturing sector, which has a significant environmental impact. A quantitative approach was employed using multiple linear regression analysis. The sample consists of manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the period 2019–2023, with a total of 195 observations. The findings reveal that, simultaneously, all four independent variables significantly affect financial performance. Partially, CSR and environmental performance make a significant positive contribution to enhancing financial performance, while environmental investment shows a negative effect and environmental disclosure has a significant negative impact on financial performance. The implication of this study is that companies need to carefully assess the effectiveness of their environmental investment allocation and disclosure strategies to ensure that they create added value for financial performance without reducing their commitment to sustainability.
Influence of Financial Literacy and Financial Technology on Financial Inclusion in the Use of Dana Digital Payment Services (Case Study on Students of the University of Bengkulu) Elvionita, Melinia; Zoraya, Intan
Student Journal of Business and Management Vol. 7 No. 3 (2024)
Publisher : Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to determine the influence of financial literacy and financial technology on the level of financial inclusion with the research object DANA digital payments among Bengkulu University students. This research is quantitative and uses proportional sampling techniques and stratified random sampling. The population in this study were active D3 and S1 students at Bengkulu University, totaling 390 respondents. The data analysis technique uses multiple linear regression analysis using IBM SPSS 26.0 software. The results of this research show that financial literacy influences financial inclusion. Meanwhile, financial technology does not influence financial inclusion.
How Financial Literacy, Financial Attitudes and Personality Affect MSMe Management Behavior? Case in Bengkulu Aziz, Dwi Abdul; Zoraya, Intan
Hasanuddin Economics and Business Review VOLUME 7 NUMBER 3, 2024
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v7i3.5126

Abstract

MSMEs often overlook the presence of financial management, particularly the implementation of appropriate financial management and accounting standards. As a result, financial management becomes a problem for them. Micro business actors often do not know much about accounting and their education also influences their knowledge. This research aims to determine the effect of financial literacy, financial attitudes and personality on financial management behavior among MSMEs in Bengkulu City. The population of this research is MSME entrepreneurs in Bengkulu, with taking 101 samples. To determine the samples, this study uses a random sampling technique. Finally, the research results show that financial literacy effects financial management behavior, financial attitudes and personality with 0.428. In addition, the R Square value is 0.851, meaning that Financial Literacy, Financial Attitude and Personality impact Financial Management Behavior with 85.1%. Independent variables outside the model influence the remaining dependent with 14.9%. Furthermore, MSME actors needs to improve their skills, knowledge and attitude to manage their finances sensibly. A proper financial behavior could rise with possessing an access to all the financial information that may require in order to make financial decisions.
Factors Affecting Interest In Using E-Commerce And E-Wallet With Using Technology Acceptance Model Fitranita, Vika; Zoraya, intan; Wijayanti, Indah Oktari
Jurnal Akuntansi Vol. 13 No. 2 (2023): Accounting Journal
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/jakuntansi.13.2.98-108

Abstract

This study aims to determine the Influence of Interest in Using an E-Commerce-Based Accounting Information System and the interest of OVO customers using the Technology Acceptance Model (TAM). Data collection was carried out by giving questionnaires to respondents using OVO and Tokopedia in Bengkulu City. The sample in this study were 215 respondents using OVO and Tokopedia. Measurement of data in this study using Multiple Regression analysis with analysis tools using data processing software Eviews 12. In this study used data quality test, classical assumption test (normality test, multicollinearity test, and heteroscedasticity test), multiple linear regression analysis and hypothesis testing. The results of the study show that the ease of use variable has no effect on interest in use, the variables perceived usefulness, trust, attitudes towards use are significantly positive on interest in use, risk variables have a significant negative effect on interest in use
PERHATIAN INVESTOR DAN LIKUIDITAS SAHAM PERUSAHAAN PUBLIK DI BURSA EFEK INDONESIA Usman, Berto; Afandy, Chairil; Zoraya, Intan
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 13 No. 01 (2022): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JRMSI.013.1.05

Abstract

Signifikannya geliat internet di Indonesia membuat kontribusi internet (Google) sebagai media perantara penyampaian informasi ke publik menjadi sarana yang semakin diminati. Hal ini menjadi relevan karena andil internet terhadap perkembangan ekonomi Indonesia juga tercatat sebagai determinan yang penting. Oleh sebab itu, penelitian ini bermaksud menguji peran Internet yang dapat dianalogikan sebagai representasi dari perhatian investor, dan menghubungkannya dengan likuiditas saham perusahaan publik yang diperdagangkan di Bursa Efek Indonesia (BEI). Dengan menggunakan basis teori asimetri informasi, penelitian ini juga mengkaji secara empiris upaya mitigasi terhadap kesenjangan informasi antara investor terinformasi (informed) vs. investor tidak terinformasi (uninformed). Secara operasional, penelitian ini menggunakan sampel dari 82 perusahaan publik di BEI dengan periode waktu pengamatan bulanan dari bulan Januari 2013 sampai dengan Desember 2017. Dengan karakteristik dan struktur data panel, maka penelitian ini menggunakan analisis regresi panel dengan jumlah data sebesar 4,920 observasi (perusahaan-bulan). Analisis yang digunakan juga menerapkan fixed-effect model (FEM) pada level perusahaan (firm-FE) dan tahun (Month-FE), yang disertai dengan clustered SE guna mengantisipasi potensi overestimasi pada nilai standard error (SE). Hasil penelitian menunjukkan bahwa terdapat asosiasi yang positif antara perhatian investor yang diwakili oleh GSV (Google Search Volume) dengan likuiditas saham perusahaan, TV (Trading Volume). Implikasi dari temuan ini menunjukkan bahwa stakeholder (investor) dapat mempergunakan informasi publik yang tersedia dan didistribusikan melalui internet untuk mereduksi tingkat asimetri informasi yang terjadi antara informed vs. uninformed investor di pasar modal.
The effect of financial literacy on Gen-Z crypto investment decision through herding behavior as mediator Arriqoh, Dhiyyah; Zoraya, Intan
Manajemen dan Bisnis Vol 23, No 1 (2024): March 2024
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/mabis.v23i1.737

Abstract

The progression of investment in Indonesia has witnessed rapid growth, particularly in the realm of crypto assets. By April 2023, the number of crypto investors in Indonesia had surged to 17 million, with the Gen Z cohort dominating this category of asset investors. The primary objective of this research is to examine whether herding behavior can mediate the relationship between financial literacy and crypto investment decisions among Gen Z individuals. This investigation was conducted among crypto investors residing in the city of Bengkulu. A total of 156 individuals were selected as the sample. The collected data was subsequently processed using the Smart PLS 3 application. The research findings indicate that financial literacy has a significantly positive influence on herding, and financial literacy also has a significantly positive impact on the crypto investment decisions of Gen Z. Moreover, herding serves as a mediating factor in the relationship between financial literacy and Gen Z's crypto investment decisions.
The Influence of Perceived Ease of use, Usefulness, and Security on Gen Z's Interest in using Q-Ris (Quick Response Code Indonesian Standard) as a Payment Method Harahap, Ridha Anggita; Zoraya, Intan
Formosa Journal of Applied Sciences Vol. 3 No. 3 (2024): March 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v3i3.8407

Abstract

The development of information technology has caused substantial transformation in various areas of human life. This study aims to investigate the consequences of three main factors, namely perceptions of ease of use, usefulness, and security, on interest in adopting Q-RIS as a payment method. Data was collected through a survey by distributing questionnaires to generation Z aged 17-27 years in 2024 who have used digital wallets with QRIS as a non-cash transaction tool. The number of respondents collected was 107 people, in accordance with the formula of Hair et al. (2017). The data was then analyzed using the Partial Least Squares (PLS) Statistics method. Findings from the research show that perceptions of ease of use, benefits, and security positively and significantly influence interest in adopting QRIS as a payment method.
Pengaruh Financial Technology, Literasi Keuangan dan Pinjaman Online Terhadap Gaya Hidup Masyarakat Bengkulu Perkasa, Adam Putra; Zoraya, Intan
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 1 (2024): Article Research Volume 7 Number 1, January 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i1.1441

Abstract

Penelitian ini bertujuan untuk mengidentifikasi apakah adanya dampak dari financial technology (e-wallet), literasi keuangan, dan pinjaman online terhadap gaya hidup masyarakat di Bengkulu. Jumlah sampel dalam penelitian ini mencapai 100 orang warga Bengkulu, yang dipilih menggunakan metode Accidental Sampling untuk menentukan responden. Pendekatan yang digunakan dalam penelitian ini adalah metode kuantitatif dengan menerapkan teknik analisis regresi linier berganda. Sumber data yang digunakan mencakup data sekunder dan data primer, dengan pengujian hipotesis dilakukan melalui uji regresi linear berganda. Hasil analisis menunjukkan bahwa financial technology (e-wallet) memiliki pengaruh positif dan signifikan terhadap gaya hidup, literasi keuangan juga memberikan pengaruh positif dan signifikan terhadap gaya hidup, sementara pinjaman online juga memiliki dampak positif dan signifikan terhadap gaya hidup masyarakat Bengkulu. Koefisien determinasi (R2) menunjukkan bahwa sekitar 54,6% variasi dalam gaya hidup dapat dijelaskan oleh variabel-variabel financial technology, literasi keuangan, dan pinjaman online. Sisanya, sekitar 45,4%, dipengaruhi oleh faktor-faktor lain yang tidak diteliti dalam penelitian ini.
Co-Authors Apriansyah, Syahrud Arriqoh, Dhiyyah Aziz, Dwi Abdul Berto Usman, Berto Chairil Afandy Debora, Dea Niken Dewi Rahmayanti Elvionita, Melinia Fitranita, Vika Fitri Santi Harahap, Ridha Anggita Kamaludin Kamaludin Kananlua, Paulus Suluk Kurnia, Nisa Lupita, Reska Maulana, Risqi Murni, Trisna Norma Hayati, Norma Perkasa, Adam Putra Permata, Yoeni Reza Putra, Mukti Trio Putri, Lydia Gustina Refianti, Refianti Saputra, Aseng Saputra, Fachri Eka Siregar, Nella Astria Syamsul Bahri Widanti, Afrima Wijayanti, Indah Oktari Willy Abdillah