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All Journal JURNAL MANAJEMEN MOTIVASI Journal Of Management Science (JMAS) SULTANIST: Jurnal Manajemen dan Keuangan EAJ (ECONOMICS AND ACCOUNTING JOURNAL) International Journal of Economics, Business and Accounting Research (IJEBAR) Enrichment : Journal of Management Jurnal Ilmiah Satyagraha Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Jurnal Multidisiplin West Science Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Madani: Multidisciplinary Scientific Journal West Science Social and Humanities Studies Jurnal Multidisiplin International Journal of Economics, Business Management and Accounting Krisnadwipayana International Journal of Management Studies
Syahputri, Anggraini
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FINANCIAL TECHNOLOGY ADOPTION AND FINANCIAL PERFORMANCE: DIGITAL LITERACY MODERATION STUDY Wati, Yenny; Bintari, Wisang Candra; Prayogo, Imam; Syahputri, Anggraini; Yusrizal, Yusrizal
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 13 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v13i1.706

Abstract

This study intends to evaluate how significant the effect of financial technology on the financial performance of commercial banking in the city of Pekanbaru, Indonesia, using digital literacy as a moderate variable. This study uses primary data from 200 respondents via a likert scale questionnaire. WarpPLS software was used for data analysis, which used partial least squares. The results of this study show that there is a substantial positive link between the use of financial technology and the financial performance of commercial banking. This favorable benefit, however, is more pronounced when digital literacy is high. Commercial banks with high levels of digital literacy can use financial technology more efficiently to improve their financial performance. These findings have substantial implications for policy development in the banking sector and promote enhanced digital literacy in society. This study is exclusive in that it investigates how financial technology affects the financial performance of commercial banks in Indonesia while considering the moderating role of digital literacy in the context of more rapid technological changes. These findings significantly contribute to the literature on developing countries, particularly Indonesia.
Pengaruh Literasi Keuangan dan Faktor Demografi terhadap Perilaku Menabung Gen Z, dengan Moderasi Lifestyle Fahruna, Yulyanti; Dephary, Riatma Dita Perdana Sembiring; Mustika, Uray Ndaru; Syahputri, Anggraini
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 6 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15854260

Abstract

Saving behavior among Generation Z in Indonesia tends to be relatively low. One of the contributing factors is their close relationship with technology and social media, which influences their financial habits. In addition, the generally low level of financial literacy also plays a role in shaping their saving behavior.This study aims to examine whether financial literacy significantly influences the saving behavior of Generation Z in Indonesia and whether lifestyle serves as a moderating variable in this relationship. The research employs a quantitative approach, with data collection and analysis carried out using the SmartPLS 4.0.9.9 software. The testing includes assessments of validity, reliability, the coefficient of determination, and significance tests.The results indicate that financial literacy and demographic factors have a significant impact on saving behavior. However, lifestyle does not moderate the relationship between financial literacy and saving behavior, as its influence is limited. This research is expected to serve as a reference for policymakers to enhance financial literacy and promote saving behavior among the public.
Impact of Financial Literacy and Attitudes on FEB Untan Students' Financial Management Behavior Dio, Louisio; Listiana, Erna; Syahputri, Anggraini; Giriati; Azazi, Anwar
International Journal of Economics, Business Management and Accounting (IJEBMA) Vol. 7 No. 2 (2025): July 2025
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijebma.v7i2.3101

Abstract

Attitudes and financial literacy are increasingly recognized as pivotal factors in shaping responsible financial management behavior among university students. In today’s complex financial environment, where digital transactions and consumer credit are more accessible than ever, equipping students with the right knowledge and mindset has become essential (Lusardi & Mitchell, 2020; OECD, 2023). This study explores the influence of financial literacy and financial attitudes on students' financial behavior, focusing on 217 students from the Economic Education program at FEB Untan, selected through purposive sampling. Data were analyzed using SPSS to ensure statistical reliability. The results indicate that students with higher levels of financial knowledge and more positive financial attitudes demonstrate better financial management practices. Their ability to make informed decisions, budget effectively, and avoid impulsive spending reflects the integration of financial understanding into everyday behavior. These findings underscore the importance of enhancing financial literacy and fostering positive financial attitudes to better prepare students for navigating increasing financial complexities and achieving long-term financial well-being
The influence of financial technology and capital adequacy ratio (CAR) on the financial performance of bank Patricia, Vanessa; Daud, Ilzar; Malini, Helma; Wendy; Syahputri, Anggraini
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1695

Abstract

The primary objective of the inquiry is to examine the impact of capital adequacy ratios and financial technology on banks' financial performance. This study utilised Capital Adequacy Ratio and Financial Technology as measured by Mobile Banking as independent variables. In this study, Financial Performance as determined by Return On Assets is the dependent variable, and the mediator variable is bank operational efficiency. The methodology used is a quantitative approach employing multiple regression analysis techniques. This analysis uses data from PT Mandiri Bank from 2018 to 2022. This investigation utilises secondary data as its source of information. Secondary data was extracted from Mandiri Bank's annual financial statements. The impact of mobile banking and capital adequacy ratio on return on assets is negligible and positive, respectively. Meanwhile, the ratio of Operational Costs to Operational Income has no impact on Mobile Banking's effect on ROA. There is no discernible effect of adjusting variable operational costs against operational income on the correlation between the capital adequacy ratio and return on assets
Literasi Keuangan, Teknologi Keuangan, Dan Pengelolaan Keuangan Pribadi : Pengujian Efek Interaksi Locus Of Control Sapitri, Elsi Nanda; Wendy, Wendy; Syahputri, Anggraini; Azazi, Anwar; Mustika, Uray Ndaru
Jurnal Multidisiplin Vol. 2 No. 1 (2025): September
Publisher : CV. Utami

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jm.v2i1.278

Abstract

This study aims to evaluate how financial literacy, financial technology utilization, and financial management are influenced by personal control center as an interaction factor. Participants in this study were active students of the Economics and Business study program at Tanjungpura University, Pontianak City. The sampling technique used purposive sampling technique through questionnaires. The analysis technique used in this research is regression analysis with moderator effects with the help of the Smart-PLS version 4.0 statistical tool. The amount of data analyzed came from 273 respondents. The findings of this study indicate that financial literacy and technology play a positive and significant role in the ability of individuals in individual financial management. Personal control center was found to strengthen the relationship between financial literacy and personal budgeting ability.
Penguatan Identitas Digital UMKM Pesisir Melalui Literasi Kreatif Generasi Muda khairunnisa, khairunnisa; Syahputri, Anggraini; Sebastian, Vannes; Nur, Nur; Maharani, Farah Puan; Darmawan, Afdal Rafif
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 3 (2025): Edisi Juli - September
Publisher : Lembaga Dongan Dosen

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

Abstract

Transformasi digital menjadi kebutuhan mendesak bagi UMKM pesisir untuk meningkatkan daya saing. POKLAHSAR Suka Maju di Desa Kuala Secapah, Kabupaten Mempawah, menghadapi kendala utama berupa belum adanya identitas digital resmi di Google Maps, keterbatasan literasi digital anggota, lemahnya identitas visual, serta minimnya keterlibatan generasi muda dalam promosi produk lokal. Untuk mengatasi hal tersebut, program pengabdian dilaksanakan melalui tiga kegiatan utama: GO-LOKASI (pendaftaran lokasi usaha di Google Maps), CAKAP (pelatihan pembuatan akun Instagram Business, WhatsApp Business, serta desain konten digital), dan POSKID (Positivity Kids) yang melibatkan siswa sekolah dasar dalam literasi digital kreatif bertema “Cinta Produk Lokal”. Metode yang digunakan adalah pendekatan Community Development berbasis partisipasi aktif masyarakat. Hasil menunjukkan POKLAHSAR berhasil memiliki profil digital resmi, akun media sosial aktif, katalog produk, serta identitas visual baru. Keterlibatan anak-anak memperkuat promosi dan menumbuhkan kebanggaan terhadap produk lokal.
Analyzing the Evolution of Sustainable Product Development Studies: A Bibliometric Review of Eco-friendly Innovation and Market Adoption Sudirjo, Frans; Utami, Eva Yuniarti; Syahputri, Anggraini
West Science Social and Humanities Studies Vol. 2 No. 03 (2024): West Science Social and Humanities Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsshs.v2i03.760

Abstract

In response to escalating environmental concerns, sustainable product development has emerged as a pivotal strategy across industries. This paper presents a bibliometric review of eco-friendly innovation and market adoption within the realm of sustainable product development. The analysis spans from 1992 to 2024, synthesizing findings from 980 scholarly publications. Key themes, influential contributors, and temporal trends are identified through citation analysis, co-citation analysis, and bibliographic coupling techniques. The results underscore the significant impact of research in this field, with notable contributions addressing bio-composites, green IT, consumer behavior, and corporate sustainability. Visualizations elucidate evolving research clusters, from foundational topics to emerging areas such as circular economy and eco-innovation. Future research directions include eco-friendly materials, green product innovation, circular economy integration, sustainable product design, and supply chain implementation. This study provides valuable insights for academia, industry, and policymakers to advance environmental sustainability and socio-economic development.
The Influence of Green Intellectual Capital and Green Innovation in Improving Financial Stability Maharani, Puspita; Setiawan, Harry; Syahputri, Anggraini; Malini, Helma; Azazi, Anwar
Krisnadwipayana International Journal of Management Studies Vol 4 No 2 (2024): Krisnadwipayana International Journal of Management Studies
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

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

Abstract

This research aims to understand how Green Innovation and Green Intellectual Capital contribute to the improvement of Financial Stability in consumer goods manufacturing companies listed on the Indonesia Stock Exchange, as well as to explore how Corporate Social Responsibility (CSR) acts as a moderating variable between independent variables and financial stability.The study makes use of SPSS software and the Moderated Regression analysis (MRA) techniques. The 104 companies that made up the research sample received cecondary data from financial and sustainability reports consumer goods industry manufacturing companies during 2021- 2023 period. These findings prove that financial stability is negatively influenced by green innovation, but positively Green Intellectual Capital (GIC). Impact of Green Innovation and Green Intellectual Capital (GIC) on increasing financial stability has not yet been demonstrated to be moderated by Corporate Social Responsibility (CSR).
Integrasi Model UTAUT dan Trust terhadap Intention Digital Payment pada Mahasiswa dengan Perceived Value sebagai Variabel Mediasi Riakbar, Bima; Malini, Helma; Hendri, M. Irfani; Wendy; Syahputri, Anggraini
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 12 No. 1 (2026): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v12i1.5130

Abstract

Digital transformation has driven major changes in payment systems. Although Bank Indonesia has implemented QRIS since 2019, its adoption is still hampered by the dominance of cash transactions, low user trust, and limited digital literacy. This study aims to analyze the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, and trust on the intention to use QRIS with perceived value as a mediating variable. A quantitative approach was used through an online survey of 200 students in Indonesia, and the data were analyzed using the PLS-SEM method with SmartPLS. The results show that performance expectancy, effort expectancy, social influence, trust, and perceived value have a positive and significant effect on the intention to use QRIS. Conversely, facilitating conditions do not have a significant direct effect on the intention to use, but have a significant effect through the mediation of perceived value. These findings indicate that perceived value is the main mechanism that bridges technological, social, and psychological factors in shaping the intention to use QRIS. This study contributes theoretically by expanding the UTAUT model and provides practical implications for regulators and digital payment service providers to increase the perceived value of users to encourage the adoption of QRIS.
Do Capital Structure, Profitability and Earnings Volatility Affect Firm Value? Moderating Role of CSR Disclosure in Indonesia’s Non-Financial Industry Liani; Azazi, Anwar; Rosnani, Titik; Ristyawan, M. Ridwan; Syahputri, Anggraini
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8939

Abstract

In highly competitive global business era, maximizing firm value is key to competitive advantage and sustainability. This study examines the impact of capital structure, profitability and earnings volatility on firm value with moderating role of CSR Disclosure among Indonesia’s energy, basic materials and non-cyclical sectors listed at Indonesian Stock Exchange (IDX) from 2021-2024. Data from annual and sustainability reports were tested using multiple linear regression on E-views. Results indicate that capital structure, profitability and earnings volatility significantly impacting firm value, while CSR only moderate capital structure and profitability. This suggests that investors may prioritize financial performance when assessing firm value. Keywords: Capital Structure; Profitability; Earnings Volatility; Firm Value; CSR
Co-Authors Ady Inrawan Ahmad Shalahuddin, Ahmad Alif, Gattuso Putra Anura, Dhea Anwar Azazi Darmawan, Afdal Rafif Daud, Ilzar Debi Eka Putri Dephary, Riatma Dita Perdana Sembiring Dio, Louisio Endah Mayasari Erna Listiana Fahruna, Yulyanti Frans Sudirjo Giriati Giriati, Giriati Harry Setiawan Helma Malini Helma Malini, Helma Heriyadi, Heriyadi Irdhayanti, Efa Isfahan, Saif Raafi'in Kesuma, Indrawati Mara Khairunnisa Khairunnisa Liani Lieyadi, Gilbert M. Irfani Hendri Maharani, Farah Puan Maharani, Puspita Masyitah, Emi Muhammad Afif Musa Fernando Silaen Mustika, Uray Ndaru Nelly Ervina Nur, Nur Patricia, Vanessa Prayogo, Imam Putri, Yuliani Alfiani Villye Adriani Riakbar, Bima Ristyawan, M. Ridwan Salomo, Oloan Sapitri, Elsi Nanda Sebastian, Vannes Titik Rosnani Utami, Eva Yuniarti Vemas, Vinsensius Wati, Yenny Wendy Wendy Wisang Candra Bintari Yankhi, Yankhi