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All Journal Inovasi: Jurnal Ilmiah Ilmu Manajemen Buana Ilmu Jurnal Buana Akuntansi International Journal of Management, Economic, Business and Accounting Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies International Journal of Economics and Management Research
Thomas Nadeak
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Absensi Online “Talenta” dan Motivasi Terhadap Disiplin Kerja Karyawan PT Kia Karawang Afriyan Deniro Gultom; N. Neni Triana; Thomas Nadeak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i11.4485

Abstract

This study was made to determine the extent of the attendance technology system and work motivation provided by PT KIA Karawang to its employees in improving employee discipline in it. The analysis used in this study is to use independent variables, namely the "Talent" attendance system and work motivation, and the dependent variable, namely work discipline. This research included 85 employees from PT KIA Karawang and utilized multiple linear regression testing, alongside validity, reliability, classical assumption, and hypothesis testing techniques. The findings revealed that the Talent attendance system and work motivation together significantly and positively affect work discipline. However, when examined individually, the Talent Attendance System did not impact Work Discipline, whereas work motivation did have a positive and significant effect on work discipline.
Pengaruh Efikasi Diri Keuangan dan Pembelian Impulsif Terhadap Perilaku Kredit Berisiko Pengguna Shopee Paylater Ibu Rumah Tangga Perumahan Jomin Estate Wijaya, Elizabeth Margareta; Ujang Suherman; Thomas Nadeak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11679

Abstract

This research examines the influence of financial self-efficacy and impulsive buying on risky credit behavior among housewives who use Shopee PayLater in the Jomin Estate housing complex. A quantitative descriptive–verificative design was applied with 136 respondents. Data were analyzed using multiple linear regression via SPSS version 26. The findings indicate that financial self-efficacy exerts a positive and significant effect on risky credit behavior, suggesting that greater confidence in financial management may increase engagement with higher-risk digital credit. Impulsive buying also shows a positive and significant effect, implying that unplanned purchasing intensifies credit risk. Jointly, both variables explain 59.6% of the variance in risky credit behavior. These results underscore the role of psychological and consumer behavior factors and provide empirical insights into Buy Now Pay Later usage, informing efforts to promote more responsible digital credit management.
Co-Authors Afriyan Deniro Gultom Amalia Amalia Ega Argiyasa Ery Rosmawati Eva Sunasti Lukita, Carolyn Muhammad Diaz Munandar N. Neni Triana Neni Triana Peni Eriyati Rizal Fauzan Adhima Sari Marliani Sungkono Sungkono Ujang Suherman Wijaya, Elizabeth Margareta