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The Influence of Interest in Using M-Banking on the Gen-Z Generation Darvin Krisnajaya; Yeni Ariesa
International Journal of Scientific Multidisciplinary Research Vol. 2 No. 8 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsmr.v2i8.11114

Abstract

The aim of this research is to determine the influence of interest in using m- banking on generation Z. Mobile banking is a bank payment transaction service that allows customers to carry out various transactions using smartphones. Generation Z manages their money using mobile banking which provides ease of access, greater control over personal finances, and a more efficient and secure banking experience. Data collection was carried out through primary and secondary data. Data collection through interviews, questionnaires and documentation studies. The research method uses quantitative methods with a sample size of 100 students. Data testing was carried out by carrying out classic assumption tests, regression tests and hypothesis testing using SPSS. The results of the research show that m-banking has a positive and significant influence on Generation Z. Increasing education and socialization features are very necessary, considering that ease of use and perceived benefits play an important role in the adoption of this technology. Service providers can collaborate with campuses to hold seminars or workshops that provide students with a deeper understanding of the benefits and effective ways of using M-Banking
FAKTOR BI RATE, INFLASI DAN KURS RUPIAH TERHADAP PEMBIAYAAN KREDIT UMKM Steven; Felicia Celesta; Silvia; Yeni Ariesa
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 3 No. 2 (2022): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v3i2.2232

Abstract

Currently, in developing countries, MSMEs have a big contribution to grow the community's economy, including Indonesia. MSMEs hold an essential position in economic progress. There are still very few researchers who examine the BI Rate, Inflation, and the Rupiah Exchange Rate on MSME credit financing. So, researchers are interested in taking this title. This study is an explanatory research which aims to describe the causal correlation between variables through hypotheses and is carried out through descriptive analysis. The population in this study is all MSMEs in Indonesia that receive credit financing. The data taken is the period 2011-2019. Population data collection techniques are carried out using a time series approach using an annual scale. The result is that the BI Rate, Inflation and the Rupiah Exchange rate partially have no effect and are not significant on MSME credit financing. Meanwhile, the BI Rate, Inflation, and the Rupiah Exchange simultaneously have a significant effect on MSME credit financing.
FINANCIAL DRIVERS OF SALES GROWTH IN FOOD AND BEVERAGE COMPANIES: THE ROLE OF INVENTORY FINANCING, PROFITABILITY, AND LIQUIDITY Sri Lestari Sinaga; Yeni Ariesa; Dinda Ayu Annisa; Cindy Margaret Tampubolon; Rusiadi
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 4 No. 3 (2026): June
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v4i3.798

Abstract

This study investigates the relationship between inventory financing, profitability, and liquidity in enhancing sales growth among food and beverage companies listed on the Indonesia Stock Exchange. A quantitative explanatory design was employed using secondary data derived from published financial statements for the 2021–2024 period. The research object comprised food and beverage sector companies listed on the Indonesia Stock Exchange, with 67 observations selected as the research sample. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 by evaluating both the measurement model and the structural model. The findings reveal that inventory financing has a positive and significant effect on sales growth, indicating that effective inventory financing enables companies to maintain product availability and support operational continuity. Liquidity also demonstrates a positive and significant effect on sales growth, suggesting that adequate short-term financial capacity strengthens companies’ ability to fulfill operational needs and respond to market demand. Conversely, profitability shows a significant negative effect on sales growth, implying that higher profitability may reflect efficiency-oriented strategies rather than sales expansion. Overall, the study concludes that inventory financing, profitability, and liquidity are essential financial determinants of sales growth. These findings provide practical implications for food and beverage companies in formulating smarter financial strategies to achieve sustainable business growth.
ANALISIS PENGARUH ROE, DER, DAN CR TERHADAP NILAI PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PADA PERIODE 2022-2024 Angelina; Claren; Yeni Ariesa; Rusiadi
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.51093

Abstract

This study aims to analyze the effect of Return on Equity (ROE), Debt to Equity Ratio (DER), and Current Ratio (CR) on firm value as proxied by Price to Book Value (PBV) in banking companies listed on the Indonesia Stock Exchange during the 2022–2024 period. This research is motivated by the post-pandemic conditions of the Indonesian banking sector, which faced pressures related to credit quality, profitability fluctuations, operational efficiency, and financial stability. The increasing financial risks and the dynamics of economic recovery highlight the importance of examining fundamental factors affecting banking firm value. This study employed a quantitative approach using multiple linear regression analysis. The population consisted of 47 banking companies listed on the Indonesia Stock Exchange during the 2022–2025 period. The sampling technique used purposive sampling, resulting in 39 companies with a total of 117 observations. The data used were secondary data obtained from annual financial reports published on the official Indonesia Stock Exchange website. Data analysis was conducted through classical assumption tests, coefficient of determination tests, simultaneous tests (F-test), and partial tests (t-test). The results indicate that ROE has a positive and significant effect on PBV, DER has a negative and significant effect on PBV, while CR does not have a significant effect on PBV. Simultaneously, ROE, DER, and CR significantly affect the firm value of banking companies. These findings imply that profitability and capital structure are the primary factors considered by investors in assessing banking companies.