Article Per Year (5 Year)
p-Index From 2021 - 2026
1.235
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan MANDAR: Management Development and Applied Research Journal Jurnal Manajemen Sains dan Organisasi (JMSO) Journal of Research in Social Science and Humanities Jurnal Locus Penelitian dan Pengabdian Journal of Artificial Intelligence and Digital Business
Sarlawa, Rita
Unknown Affiliation
Religion Aerospace Engineering Arts Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

Published : 7 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 7 Documents
Search

 1 
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.
The Effect Of Financial Literacy And Lifestyle On Savings Interest Moderated By Gender Among State-Owned Bank Customers In Palangka Raya City Puspitasari, Gresia; Harinie, Luluk Tri; Mahrita, Ani; Sarlawa, Rita
Journal of Research in Social Science and Humanities Vol 5, No 4 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i4.506

Abstract

This study aims to examine the effect of financial literacy and lifestyle on saving interest, with gender as a moderating variable, among customers of state-owned banks (BUMN) in Palangka Raya City. The study is motivated by the phenomenon of low saving interest despite the increasing use of banking services. This research employs a descriptive quantitative approach. Data were collected through questionnaires distributed to active customers of Bank BRI, Bank Mandiri, Bank BNI, and Bank BTN in Palangka Raya City. The collected data were analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method with the assistance of SmartPLS software. The results show that financial literacy has a positive and significant effect on saving interest. Lifestyle also has a positive and significant effect on saving interest. However, gender does not moderate the relationship between financial literacy and saving interest, nor the relationship between lifestyle and saving interest. These findings indicate that financial literacy and lifestyle play an important role in encouraging saving interest among customers of state-owned banks, regardless of gender differences. This study is expected to contribute to behavioral finance literature and provide practical insights for banking institutions in designing strategies to enhance customers’ saving interest.
Determinants of Financial Well-Being: A Systematic Review of SEM Evidence Sarlawa, Rita; Ali, Muhammad
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 6 (2025): JIAKES Edisi Desember 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i6.4477

Abstract

This study aims to conduct a comprehensive systematic literature review of research on financial well-being using structural equation modeling from 2020 to 2025. Based on more than 80 empirical studies, the review establishes a unified framework that links financial literacy, psychosocial traits, behavior, digital inclusion, and resilience. This method review follows PRISMA guidance and applies SEM-specific criteria. The findings indicate that financial well-being is primarily influenced by behavioral mediation pathways, where literacy and skills enhance budgeting, saving, and debt management. Psychosocial factors, such as self-efficacy, locus of control, and hope, serve as mediators that strengthen these behavioral pathways. Additionally, digital financial literacy expands access and encourages informed financial decisions. Despite progress, differences persist across demographics and regions, influenced by factors such as gender, age, religiosity, and socio-economic status. Methodological differences between CB-SEM and PLS-SEM result in discrepancies in effect sizes, underscoring the importance of transparency and robustness. Policy efforts, such as counseling, safety nets, and debt relief, improve financial well-being. The review advocates for future research using panel structural equation modeling, experimental designs, and cross-country tests to strengthen causal claims and applicability. This synthesis provides a framework that supports the integration of theory and evidence-based policies to enhance financial resilience and inclusion.
Digital Financial Literacy and Financial Behavior: Pathways to Inclusion and Resilience Sarlawa, Rita
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4460

Abstract

The rapid growth of digital financial services has made the ability to understand and use online money tools essential for everyday financial decisions. This systematic literature review explores how digital financial literacy affects behaviors related to saving, spending, investing, and borrowing. This systematic literature review addresses these shortcomings by consolidating findings from 35 empirical studies published between 2010 and 2025. Following PRISMA 2020, the review identifies, evaluates, and thematically synthesizes quantitative, qualitative, and mixed-method research obtained through a rigorous search in a major academic database. Results show that higher digital financial literacy consistently promotes regular saving, disciplined budgeting, confident and diversified investing, and more responsible credit use. The positive effects are strongest for saving and investment, while spending and borrowing outcomes are more context-dependent, influenced by self-control, psychological biases, gender, income, and regulatory support. Seamless digital transactions can encourage impulsive spending or over-indebtedness when literacy is insufficient or safeguards are absent. These findings underscore the need for standardized digital financial literacy education within national inclusion strategies, gender-sensitive training programs, and fintech designs that incorporate behavioral nudges and fraud prevention features.
Co-Authors Azis, Akbar Barus, Iren Nita Br Harinie, Luluk Tri Kurniawan, Hengky Mahrita, Ani Muhamad Al Ikhsan MUHAMMAD ALI Nurwati, Solikah Puspitasari, Gresia Widyaningsih, Dhina Sri