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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi
Santi Samasta, Almira
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Determinan Penentu Nilai Perusahaan Sektor Energi Widyantoro, Azzainuri; Santi Samasta, Almira; Whini Setyahuni, Suhita; Oktavia, Vicky
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 5: Juli 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i5.10618

Abstract

Studi ini memiliki tujuan untuk menganalisis dampak dari ROE, CR, SIZE dan DPR pada nilai perusahaan melalui Tobin’s Q. Populasi yang menjadi subjek penelitian ini yaitu semua perusahaan di sektor energi yang listing di BEI selama tahun 2021-2023. Penelitian ini menggunakan teknik purposive sampling untuk mendapatkan 78 perusahaan di sektor energi yang sesuai dengan syarat untuk dijadikan sampel penelitian. Metode analisis statistik yang diterapkan meliputi: uji deskriptif, uji normalitas, uji multikolinearitas, uji heteroskedastisitas, uji autokorelasi, analisis regresi linear berganda, uji t, dan penentuan koefisien determinasi. Temuan penelitian ini menunjukkan bahwa ROE memiliki pengaruh positif signifikan terhadap nilai perusahaan, adapun variabel CR, SIZE, memilki berpengaruh negatif signifikan terhadap nilai perusahaan, dan DPR tidak berpengaruh signifikan pada nilai perusahaan.
Faktor-Faktor Penentu Minat Generasi Z dalam Penggunaan Buy Now Paylater pada Mahasiswa Universitas Dian Nuswantoro Semarang Alvita Cahyarani, Tharisya; Oktavia, Vicky; Anomsari, Ariati; Santi Samasta, Almira
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11115

Abstract

This study aims to identify the factors influencing the interest of Universitas Dian Nuswantoro students in using Buy Now Pay Later (Paylater) services. The research focuses on three aspects: Perceived Ease of Use, Functional Financial Needs, and Hedonistic Lifestyle. The method employed is descriptive quantitative research with a survey approach. The study involved 160 students who had previously used Paylater services. The collected data were analyzed using SmartPLS 4 software, examining validity, reliability, and structural model tests. The results indicate that Hedonistic Lifestyle positively and significantly affects the intention to use Paylater, followed by Functional Financial Needs, which also have a significant influence. Meanwhile, Perceived Ease of Use does not have a significant effect, as young people, particularly Generation Z, are already very familiar with various digital applications, making operational ease not a primary factor. The study concludes that students’ interest in using Paylater is more influenced by their consumption patterns and financial needs rather than the technical aspects of the system. Based on these findings, several recommendations are offered: to enhance education on the responsible use of Paylater services and to provide clear information about the services so that users can manage their expenses more effectively.
Pengaruh Literasi Keuangan, Gaya Hidup Hedonis, dan Self-Control Terhadap Perilaku Konsumtif Pengguna Shopee Paylater Fitriyana, Amaliya; Nur Chasanah, Amalia; Jati Kusuma, Pradana; Santi Samasta, Almira
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11158

Abstract

This study aims to examine financial analysis, hedonic lifestyle, and self-control on the consumer behavior of Shopee Paylater users. The rapid development of e-commerce in Indonesia has also increased BNPL services, especially the Shopee Paylater platform, among Generation Z in Semarang City. The study used an associative quantitative approach implementing purposive sampling and online data presentation, and the data was processed using Smart PLS 3, with analysis using SEM-PLS techniques. The results showed that financial literacy and self-control had a negative and significant effect on consumer behavior, while a hedonic lifestyle had a positive and significant effect. The results prove that optimizing financial literacy and self-control skills play a significant role in reducing consumer behavior among Paylater service users.
Eksplorasi Peran Mediasi Pembelian Impulsif pada Pengaruh Persepsi Harga, Fear Of Missing Out (FOMO), dan Literasi Keuangan terhadap Pengelolaan Keuangan Generasi Z User Tiktok Shop Febrianti Prayogi, Nadya; Anomsari, Ariati; Santi Samasta, Almira; Whini Setyahuni, Suhita
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11319

Abstract

This study explores the mediating role of impulsive buying on the influence of price perception, Fear Of Missing Out (FOMO), and financial literacy on the financial management of Gen Z TikTok Shop Users at Dian Nuswantoro University. With the results of a descriptive quantitative approach of 122 respondents, using non-probability sampling techniques specifically purposive sampling and snowball sampling, it was found that price perception and FOMO were proven to have a significant positive effect and thus play a strong role in increasing impulsive behavior. Conversely, financial literacy had a significant negative effect, low financial literacy encouraged unplanned spending to increase. Impulsive buying was proven to mediate the relationship between the influence of price perception, Fear Of Missing Out (FOMO), and financial literacy on individual financial management. The results of the study support the need for the reach of objects and variables related to the financial management of the younger generation on various digital platforms.
Faktor-Faktor Penentu Minat Generasi Z dalam Penggunaan Buy Now Paylater pada Mahasiswa Universitas Dian Nuswantoro Semarang Alvita Cahyarani, Tharisya; Oktavia, Vicky; Anomsari, Ariati; Santi Samasta, Almira
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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.v7i3.11115

Abstract

This study aims to identify the factors influencing the interest of Universitas Dian Nuswantoro students in using Buy Now Pay Later (Paylater) services. The research focuses on three aspects: Perceived Ease of Use, Functional Financial Needs, and Hedonistic Lifestyle. The method employed is descriptive quantitative research with a survey approach. The study involved 160 students who had previously used Paylater services. The collected data were analyzed using SmartPLS 4 software, examining validity, reliability, and structural model tests. The results indicate that Hedonistic Lifestyle positively and significantly affects the intention to use Paylater, followed by Functional Financial Needs, which also have a significant influence. Meanwhile, Perceived Ease of Use does not have a significant effect, as young people, particularly Generation Z, are already very familiar with various digital applications, making operational ease not a primary factor. The study concludes that students’ interest in using Paylater is more influenced by their consumption patterns and financial needs rather than the technical aspects of the system. Based on these findings, several recommendations are offered: to enhance education on the responsible use of Paylater services and to provide clear information about the services so that users can manage their expenses more effectively.
Co-Authors Alvita Cahyarani, Tharisya Ariati Anomsari Chasanah, Amalia Nur Febrianti Prayogi, Nadya Fitriyana, Amaliya Jati Kusuma, Pradana Oktavia, Vicky Whini Setyahuni, Suhita Widyantoro, Azzainuri