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All Journal MANDAR: Management Development and Applied Research Journal Jurnal Manajemen Sains dan Organisasi (JMSO) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Locus Penelitian dan Pengabdian Journal of Artificial Intelligence and Digital Business
Sarlawa, Rita
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Aerospace Engineering Arts Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Mathematics Social Sciences

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Pengaruh Literasi Keuangan Terhadap Keputusan Keuangan Dan Perilaku Keuangan Sebagai Variabel Intervening Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Palangka Raya Kurniawan, Hengky; Nurwati, Solikah; Sarlawa, Rita
Jurnal Manajemen Sains dan Organisasi Vol. 1 No. 1 (2020): Jurnal Manajemen Sains dan Organisasi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jmso.v1i1.2372

Abstract

Tujuan - Penelitian ini bertujuan untuk memberikan penjelasan secara empiris tentang pengaruh literasi keuangan terhadap keputusan keuangan dan perilaku keuangan sebagai variabel intervening. Desain/Metodelogi/Pendekatan - Metode penelitian menggunakan deskriptif-kuantitatif. Sumber data diperoleh dari penyebaran kusioner terhadap 96 mahasiswa di Fakultas Ekonomi dan Bisnis Universitas Palangka Raya. Sampel diambil dari keseluruhan mahasiswa Fakultas Ekonomi dan Bisnis Universitas Palangka Raya yang berjumlah 2.598 yang diambil secara purposive sampling. Data yang terkumpul dianalisis dengan menggunakan pendekatan Structural Equation Modelling (SEM). Software yang digunakan adalah SmartPLS 3.0. Temuan Penelitian - Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif signifikan terhadap keputusan keuangan, literasi keuangan berpengaruh positif signifikan terhadap perilaku keuangan, perilaku keuangan berpengaruh positif signifikan terhadap keputusan keuangan, perilaku keuangan mampu memediasi pengaruh antara literasi keuangan terhadap keputusan keuangan. Orsinalitas/nilai – Mengembangkan konsep teori dari perilaku keuangan sebagai mediasi antar pengaruh literasi keuangan dengan keputusan keuangan
The Impact of Digital Financial Literacy on the Adoption of QR Codes and Mobile Money, and Its Effect on SME Performance in Central Kalimantan Sarlawa, Rita; Azis, Akbar
MANDAR: Management Development and Applied Research Journal Vol 8 No 1 (2025): December Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i1.5891

Abstract

This study investigates the influence of Digital Financial Literacy (DFL) and Transaction Cost Burden (TCB) on the adoption of QR Code and Mobile Money payment systems, as well as their subsequent impact on the performance of Small and Medium-sized Enterprises (SMEs). Utilizing a quantitative methodology and Generalized Structured Component Analysis (GSCA), data were collected from a sample of 300 SMEs in Central Kalimantan that have either adopted or are in the process of adopting digital payment technologies. The results indicate that DFL significantly facilitates the adoption of QR Code systems, whereas TCB also influences adoption, suggesting that cost factors affect but do not entirely inhibit digital adoption. Moreover, the adoption of QR Code systems notably promotes the use of Mobile Money, with both systems positively affecting SME performance by enhancing transaction efficiency and financial management. Digital Financial Literacy indirectly contributes to improved performance through these adoption pathways, while TCB moderates the relationship between adoption and outcomes. These findings extend the Technology Acceptance Model (TAM) by incorporating literacy and cost considerations, offering new perspectives on the acceptance of digital payments among SMEs. In practice, the study advocates enhancing digital financial literacy initiatives and reducing transaction-cost barriers to promote inclusive digital transformation and sustainable growth of SMEs in emerging economies
Analisis Kinerja Keuangan terhadap Nilai Perusahaan pada Perusahaan Sektor Pertambangan yang Terdaftar di Bursa Efek Indonesia dengan Firm Size sebagai Variabel Mediasi Barus, Iren Nita Br; Sarlawa, Rita; Mahrita, Ani; Widyaningsih, Dhina Sri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.6170

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kinerja keuangan terhadap nilai perusahaan dengan firm size sebagai variabel mediasi pada perusahaan sektor pertambangan batu bara yang terdaftar di Bursa Efek Indonesia. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan sumber data sekunder berupa laporan keuangan tahunan perusahaan selama periode 2020–2024. Pemilihan periode penelitian didasarkan pada adanya fluktuasi harga komoditas batu bara dan dinamika kondisi ekonomi global yang berpengaruh terhadap kinerja serta nilai perusahaan. Penentuan sampel dilakukan menggunakan teknik purposive sampling, sehingga diperoleh 18 perusahaan yang memenuhi kriteria penelitian. Metode analisis data yang digunakan adalah Partial Least Square (PLS) dengan bantuan aplikasi SmartPLS, yang memungkinkan pengujian hubungan langsung maupun tidak langsung antarvariabel penelitian. Hasil penelitian menunjukkan bahwa kinerja keuangan berpengaruh positif dan signifikan terhadap nilai perusahaan, yang mengindikasikan bahwa perusahaan dengan kinerja keuangan yang baik cenderung memiliki nilai pasar yang lebih tinggi. Selain itu, kinerja keuangan juga berpengaruh positif dan signifikan terhadap firm size, yang menunjukkan bahwa peningkatan kinerja keuangan mendorong pertumbuhan ukuran perusahaan. Firm size terbukti berpengaruh signifikan terhadap nilai perusahaan, namun dengan arah pengaruh negatif, sehingga perusahaan dengan ukuran yang lebih besar tidak selalu diikuti oleh peningkatan nilai perusahaan. Lebih lanjut, firm size terbukti mampu memediasi pengaruh kinerja keuangan terhadap nilai perusahaan secara signifikan dengan sifat mediasi yang tidak konsisten. Temuan ini mengindikasikan bahwa pertumbuhan ukuran perusahaan pada sektor pertambangan batu bara tidak selalu mencerminkan peningkatan nilai pasar, sehingga strategi ekspansi perlu mempertimbangkan efisiensi operasional dan sensitivitas terhadap fluktuasi harga komoditas.
Ethical Financial Management Practices and Organizational Resilience: The Mediating Role of Financial Transparency and Cooperative Culture in Credit Unions Sarlawa, Rita; Widyaningsih, Dhina Sri
Jurnal Locus Penelitian dan Pengabdian Vol. 5 No. 1 (2026): JURNAL LOCUS: Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v5i1.5074

Abstract

Credit unions continue to face challenges arising from economic crises and rapid digital transformation, making organizational resilience (OR) increasingly essential. This study investigates whether Ethical Financial Management Practices (EFMP) contribute to strengthening OR both directly and indirectly through Financial Transparency and Responsibility (FTR) and Cooperative Culture (CC). Using survey data from 381 administrators and members of credit unions, analyzed with GSCA Smart PLS, the study found that all proposed relationships were statistically significant. EFMP demonstrated a positive influence on FTR, while both FTR and CC significantly affected OR. Furthermore, FTR and CC were shown to partially mediate the relationship between EFMP and OR. These findings highlight that ethical practices, transparency, and cooperative cultural values operate as mutually reinforcing mechanisms that enhance resilience by fostering trust, minimizing information asymmetry, improving accountability, and encouraging member participation. Integrating EFMP with strong transparency mechanisms and cooperative values provides a comprehensive governance framework that supports sustainable and resilient credit union operations. Practically, the study suggests that leadership should institutionalize ethical financial standards, improve disclosure quality, strengthen accountability practices, and create inclusive participatory routines to sustain member trust and organizational adaptability in the face of uncertainty and systemic disruptions.
PENGARUH INOVASI SOSIAL TERHADAP KINERJA KEUANGAN UMKM DENGAN KINERJA SOSIAL DAN LINGKUNGAN SEBAGAI VARIABEL MEDIASI DI KOTA PALANGKA RAYA Cahaya Tamba, Ruth; Sarlawa, Rita; Sri Widyaningsih, Dhina; Muliyani, Agustina
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 2 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v5i2.4447

Abstract

Micro, Small, and Medium Enterprises (MSMES) play a strategic role in the regional economy, yet they still face challenges in sustainably improving their financial performance. This study aims to analyze the influence of social innovation on the financial performance of MSMEs, with social and environmental performance as mediating variables in the city of Palangka Raya. This study employed a quantitative approach with explanatory research methods. Data were collected through questionnaires from 100 MSMES and analyzed using Partial Least Squares-based Structural Equation Modeling (SEM-PLS) with the assistance of SmartPLS 3.0. The results showed that social innovation had a positive and significant effect on financial performance, social performance, and environmental performance. Social and environmental performance were also shown to have a positive effect on financial performance. The results of the mediation test indicated that social performance mediated the relationship between social innovation and financial performance through complementary mediation (partial mediation), while environmental performance did not act as a mediating variable. This study emphasizes the importance of developing socially oriented social innovation as a strategy to improve the financial performance and sustainability of MSMEs.
Co-Authors Azis, Akbar Barus, Iren Nita Br Cahaya Tamba, Ruth Kurniawan, Hengky Mahrita, Ani Muliyani, Agustina Nurwati, Solikah Sri Widyaningsih, Dhina Widyaningsih, Dhina Sri