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All Journal Business UHO: Jurnal Administrasi Bisnis JURNAL MANAJEMEN MOTIVASI Islamic Management: Jurnal Manajemen Pendidikan Islam OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Management Studies and Entrepreneurship Journal (MSEJ) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Ilmiah Wahana Pendidikan Annals of Human Resource Management Research Journal of Economics and Management Scienties
Nurmala, Resa
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Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences Other

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Pengaruh Return Saham dan Dividen terhadap Keputusan Investasi dengan Harga Saham Sebagai Mediasi (Studi Keuangan pada Perusahaan Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Tahun 2023) Gunawan, Alayda Nazwa; Norisanti, Nor; Nurmala, Resa
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.141

Abstract

Keputusan investasi merupakan komponen strategis yang menentukan arah pertumbuhan perusahaan, khususnya di sektor perbankan, yang sangat terpengaruh oleh dinamika pasar modal. Namun, beberapa penelitian terdahulu telah menunjukkan hasil yang tidak konsisten tentang bagaimana variabel pasar seperti return saham dan dividen memengaruhi keputusan investasi. Penelitian ini bertujuan untuk menganalisis pengaruh return saham dan dividen terhadap keputusan investasi dengan harga saham sebagai mediasi pada sektor perbankan. Metode penelitian yang digunakan adalah pendekatan kuantitatif. Sampel yang diperoleh sebanyak 43 perusahaan sektor perbankan. Data yang digunakan yaitu data sekunder yang diperoleh dari laporan keuangan yang terdaftar di Bursa Efek Indonesia. Teknik analisis data dalam penelitian ini menggunakan perangkat lunak SPSS 25 untuk melakukan uji asumsi klasik, analisis jalur (path analysis), uji hipotesis dan uji Sobel untuk menguji efek mediasi. Hasil penelitian menunjukkan bahwa return saham tidak berpengaruh signifikan terhadap keputusan investasi dan dividen memiliki pengaruh negatif yang signifikan terhadap keputusan investasi. Harga saham sebagai variabel mediasi tidak secara signifikan memediasi pengaruh return saham terhadap keputusan investasi, dan harga saham tidak memediasi secara signifikan hubungan antara dividen dan keputusan investasi.
The Effect of Financial Literacy and Digital Payment on Consumptive Behavior with Lifestyle as an Intervening Variable in Sukabumi City Students Phytaloka, Ananda Dhea; Norisanti, Nor; Nurmala, Resa
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4805

Abstract

This study aims to analyze the effect of financial literacy and digital payment on consumptive behavior with lifestyle as a mediating variable among university students in Sukabumi City. Using quantitative approach and associative method, primary data were collected through questionnaires distributed to 240 respondents from six universities. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) to test direct and indirect relationships between variables. The results showed that financial literacy has a significant negative effect on consumptive behavior, while digital payment has a significant positive effect on consumptive behavior. In addition, lifestyle plays a significant role in mediating the relationship between financial literacy and consumptive behavior, as well as between digital payment and consumptive behavior. Students with a good level of financial literacy tend to have better self-control in consumption, while easy access to digital payments increases consumptive tendencies. This finding shows the importance of increasing financial literacy among students to form a wiser lifestyle, in order to reduce excessive consumptive behavior triggered by digital trends. This study provides practical implications for the campus and policy makers to develop financial education programs to equip students to face economic challenges in the digital era.
Analysis of Green Training on Green Employee Performance With Green Behavior as a Mediating Variable in Employees of PT Charoend Pokhpand Jaya Farm Fauzi, Hamdi Waslan; Ramdan, Asep Muhamad; Nurmala, Resa
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4826

Abstract

This study aims to analyze the effect of Green Training on Green Employee Performance with Green Behavior as a mediating variable on employees of PT. Charoen Pokphand Jaya Farm. The phenomenon of environmental pollution and hazardous waste (B3) in the industrial sector underlies the importance of implementing the principles of Green Human Resource Management (GHRM), especially environmentally friendly training (Green Training) which can form pro-environmental behavior (Green Behavior) and improve the performance of environmentally aware employees (Green Employee Performance). This study uses a quantitative approach with a survey method and data collection through questionnaires distributed to 68 employees selected by simple random sampling. Data analysis was carried out using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results showed that Green Training had a positive and significant effect on Green Behavior and Green Employee Performance. In addition, Green Behavior was proven to significantly mediate the effect of Green Training on Green Employee Performance. These findings highlight the importance of environmentally friendly training in fostering employee behavior and performance that supports corporate sustainability.
ANALISIS PROFITABILITAS, RISK BASED CAPITAL (RBC) DAN PREMIUM GROWTH RATIO TERHADAP NILAI PERUSAHAAN: (Studi Keuangan pada Subsektor Asuransi yang Terdaftar di Bursa Efek Indonesia (BEI) Periode 2022-2024) Annisa, Annisa Mardiana Ramdhani; Jhoansyah, Dicky; Nurmala, Resa
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 9 No 2 (2025): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universitas Pasundan

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

Abstract

This study analyzes the effect of profitability, Risk Based Capital (RBC), and Premium Growth Ratio on firm value in insurance subsector companies listed on the Indonesia Stock Exchange for the period 2022-2024. Using a quantitative approach with associative methods. Data collection techniques using secondary data obtained from documentation and literature studies and IBM SPSS Version 30 software, as a tool for data analysis techniques. The population in this study is insurance subsector companies listed on the Indonesia Stock Exchange (BEI) for the period 2022-2024, with a total sample of 42 from the financial statements for 2022-2024 and using the perposive sampling method.  The results showed that profitability (ROE) had a significant effect on firm value, RBC also had a significant positive effect, while Premium Growth Ratio had no significant effect. Simultaneously, the three variables have a significant effect on the value of the Company.
The Effect of Financial Stressors, Financial Self Efficacy on Financial Satisfaction through Financial Behavior as a Mediating Variable Hadiyah; Norisanti, Nor; Nurmala, Resa
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4808

Abstract

This study is entitled The Effect of Financial Stressors, Financial Self-Efficacy on Financial Satisfaction through Financial Behavior as a Mediating Variable, with the object of research Gen Z in Sukabumi City. The purpose of this study is to analyze the effect of financial stressors and financial self-efficacy on financial satisfaction, with financial behavior as a mediator. The method used is quantitative approach with associative research type, involving 240 respondents selected using purposive sampling technique. Data were collected through an online questionnaire with a semantic differential scale, then analyzed using the SEM PLS method. The results showed that financial stressors have a significant negative effect on financial behavior and financial satisfaction, both directly and through financial behavior. Meanwhile, financial self-efficacy has a significant positive effect on financial behavior and financial satisfaction, both directly and indirectly. Financial behavior itself has a significant positive effect on financial satisfaction. The conclusion of this study is that financial behavior acts as an important mediator in strengthening the influence of financial self-efficacy and suppressing the negative impact of financial stressors on Gen Z financial satisfaction. This research is expected to provide new insights to improve the financial well-being of the younger generation in Sukabumi.
The Effect of Financial Literacy, Income Level on Financial Well-Being through Financial Behavior as a Mediating Variable Ramadhani, Salsa Diva; Norisanti, Nor; Nurmala, Resa
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4838

Abstract

This study is entitled The Effect of Financial Literacy and Income Level on Financial Well-Being through Financial Behavior as a Mediating Variable with the research object of the Indonesian Action Figure Collector (KAFI) community. This study aims to analyze the extent to which financial literacy and income level affect financial well-being through financial behavior as an intermediate variable. The method used is quantitative with an associative design, using purposive sampling technique on 225 respondents from a total population of 18,000 KAFI members. Data were collected through observation, questionnaires, documentation, and literature study, then analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results showed that financial literacy, income level, and financial behavior each have a significant positive effect on financial well-being. In addition, financial behavior is proven to significantly mediate the effect of financial literacy and income level on financial well-being. These findings confirm the importance of financial education not only to increase understanding, but also to encourage wise financial behavior, so that financial well-being can be achieved optimally, especially in young groups who tend to be consumptive.
Electronic word of mouth, purchase intention, and loyalty in West Java broadband with happiness as a moderator Ramdan, Asep Muhamad; Nurmala, Resa; Komariah, Kokom; Jhoansyah, Dicky
Annals of Human Resource Management Research Vol. 5 No. 2 (2025): June
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v5i2.3407

Abstract

Purpose: This study aims to examine how electronic word of mouth (eWOM) specifically information quality, quantity, and credibility influences purchase intention and customer loyalty among IndiHome subscribers in West Java. Additionally, it tests whether happiness moderates the relationship between purchase intention and loyalty. Methodology: The research employed a quantitative, cross-sectional design using stratified random sampling of 257 IndiHome subscribers across multiple municipalities in West Java. Data were collected through structured questionnaires and analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate measurement validity, reliability, mediation, and moderation effects. Results/findings: Findings show that information quality and quantity significantly increase purchase intention, while credibility has no direct effect. Purchase intention strongly predicts loyalty. Quantity and credibility indirectly affect loyalty through intention, whereas quality does not. Happiness moderates intention–loyalty, strengthening the conversion of intention into sustained customer loyalty. Conclusion: The study concludes that clear and abundant eWOM cues are effective in shaping purchase intention, which serves as a key determinant of loyalty. Positive affect in the form of happiness amplifies this relationship, highlighting the importance of both cognitive and emotional drivers in loyalty formation. Limitations: The cross-sectional design limits causal inference, and reliance on self-reported measures may introduce bias. The provincial focus on West Java may also restrict generalizability. Contribution: This research extends eWOM theory by integrating informational attributes with affective moderation, offering both theoretical insights and managerial implications. Broadband providers are advised to improve information clarity, posting frequency, and service experiences that enhance customer happiness to foster sustainable loyalty.
Analysis of the Influence of Performance Appraisal and Core Values of AKHLAK on Work Performance Azzahrunisa, Andini; Norisanti, Nor; Nurmala, Resa
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 3 (2024): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i3.2985

Abstract

This study aims to determine the influence of performance appraisal and core values of AKHLAK on work performance. The researcher employed a quantitative method with a descriptive causal approach. The population in this study consisted of the permanent employees of PT. Telkom Witel Sukabumi, totaling 32 employees, with the sample size also being 32 permanent employees of PT. Telkom Witel Sukabumi. The results of this study indicate that performance appraisal has a significant influence on employee work performance at PT. Telkom Witel Sukabumi, with a t-value of 8.482, which is greater than the t-table value of 1.695, and a significance level of 0.000 < 0.05. Meanwhile, the core values of AKHLAK do not have a significant influence on work performance, with a t-value of -0.982, which is smaller than the t-table value of 1.695, and a significance level of 0.334 > 0.05. The F-test shows that both independent variables simultaneously have a significant influence on work performance, with an F-value of 35.990, which is greater than the F-table value of 3.33, and a significance level of 0.000 < 0.05. Descriptive analysis indicates that respondents' responses to performance appraisal and the core values of AKHLAK fall into the very high category. The proper implementation of performance appraisal is proven to enhance work performance, while the core values of AKHLAK require further approaches to have a significant impact.
Analysis of Sales Promotion on Interest in Using Brain Academy by Ruangguru Through Consultative Selling Melati, Putri; Komariah, Kokom; Nurmala, Resa
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 3 (2024): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i3.3038

Abstract

The declining quality of education in Indonesia has significant implications, particularly for human resource development. This study investigates the impact of sales promotion on the interest in using Brain Academy by Ruangguru, mediated through consultative selling. The research aims to determine whether sales promotions effectively increase students' interest in utilizing Brain Academy's educational services. Using associative methods and descriptive analysis with a quantitative approach, the study sampled 250 high school students from a population of 6,672 in Sukabumi City, based on data from DAPODIK 2023. Data collection involved observation, interviews, questionnaires, literature studies, and documentation. The analysis utilized Structural Equation Modeling (SEM) with AMOS software. Findings indicate that sales promotion significantly influences consultative selling, which in turn significantly affects students' interest in using Brain Academy. However, direct sales promotion did not significantly influence interest in use. The mediating role of consultative selling was confirmed, demonstrating its importance in effectively translating sales promotions into increased user interest. The study concludes that Brain Academy's marketing strategies should emphasize consultative selling to better address student needs and enhance the effectiveness of sales promotions. These findings provide valuable insights for educational service providers aiming to boost engagement and usage through targeted promotional efforts.
Analysis of Quality of Work Life on Employee Job Performance Through Emotional Fatigue as a Mediating Variable Handawani, Aprilia Salsiah; Ramdan, Asep Muhamad; Nurmala, Resa
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 4 (2024): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i4.3068

Abstract

This study aims to determine the mediating effect of emotional exhaustion in the relationship between quality of work life and employee performance. The research method used in this research is quantitative research method with associative descriptive approach. The sample technique used was saturated sample by distributing questionnaires to 233 employees of Perumda Tirta Jaya Mandiri Sukabumi Regency and the data analysis technique was Structural Equation Modeling (SEM) with the help of AMOS software version 24. The results of this study indicate that Perumda Tirta Jaya Mandiri has succeeded in building quality of work life, emotional exhaustion, and good work performance in the eyes of employees. Quality of work life has a direct and significant effect on emotional exhaustion of 0.954, emotional exhaustion has a direct and significant effect on employee work performance of 0.965 emotional exhaustion mediates effectively in the relationship between quality of work life and employee work performance with an indirect effect of quality of work life on employee work performance of 0.982. The direct relationship effect of quality of work life on employee work performance is smaller than the indirect effect. Thus, it can be concluded that emotional exhaustion acts as a mediator of the relationship between quality of work life and employee work performance.
Co-Authors Afiary, Muhamad Azhar Akbar, Muhammad Fadilah Alfarizi, Muhamad Annisa, Annisa Mardiana Ramdhani Aprilianty, Anisa Asep Muhamad Ramdan Azzahra Adela, Suci Azzahrunisa, Andini Danial, R. Denny Muhammad Daud, Fauzan Yanuar Dicky Jhoansyah Fadillah, Siti Aulia Faizal Mulia Z Fajar Bayhaq, Tegar Fauzi, Hamdi Waslan Gunawan, Alayda Nazwa Hadiyah Handawani, Aprilia Salsiah Kokom Komariah Kusmayadi, Mutiara Shinta Melati, Putri Nazri Raihan, Muhammad Nor Norisanti Nurdianti, Resti Nuryana, Hilmy Phytaloka, Ananda Dhea Putri, Amelia R Deni Muhammad Danial Rahayu M.F, Neng Nova Sri Rahmadhani, Aqiela Ramadhan, Ihsan Fauzi Ramadhani, Salsa Diva Ramdan, Asep Muhama Ramdani, Siti Novia Ramdhani, Adik Anov Permana Rian Maulana, Rian Sopyan Saori Suandi, Zeri Fratama Wulansari, Febi Yahmardiana, Aini