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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 Revitalisasi : Jurnal Ilmu Manajemen RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Formosa Journal of Multidisciplinary Research (FJMR) Jurnal Dehasen Untuk Negeri Multifinance Student Journal of Business and Management (SJBM) Management Analysis Journal Jurnal Akuntansi
Zoraya, Intan
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences Other

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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
Co-Authors Apriansyah, Syahrud Aziz, Dwi Abdul Chairil Afandy Debora, Dea Niken Dewi Rahmayanti Elvionita, Melinia Fitranita, Vika Fitri Santi Kamaludin Kamaludin Kananlua, Paulus Suluk Kurnia, Nisa Lupita, Reska Murni, Trisna Norma Hayati, Norma 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