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Determinants of Personal Financial Distress: Testing the Interaction Effect of Financial Self-efficacy Angelica, Cinthia; Heriyadi; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1514

Several students face financial distress that impacts their performance, mental health, academic progress, and difficulty achieving their financial obligations. Some factors, such as differential needs, cause females to have higher levels of personal financial distress than males. Financial Literacy affects the level of personal financial distress among undergraduate students. Lack of financial Literacy, uncertain income, and excessive anxiety can cause some mistakes in making financial decisions and end up with personal financial distress. This study aims to ascertain correlation between gender, income, anxiety, financial literacy and personal financial distress, and examines the moderating effect of financial self-efficacy. This study using quantitative research methodology, the data was tested using SPSS software. The findings of this study indicate that low income, anxiety, and financial literacy significantly affect personal financial distress. financial self-efficacy only moderates the relationship between financial literacy and personal financial distress. Undergraduate students with high financial literacy supported with high financial self-efficacy can reduce their risk of experiencing personal financial distress. Educational institutions can use these findings to design financial education programs to improve student welfare. This study is limited by the sample may not represent the wider population. For future researchers are recommended to using a larger scope of respondents and more predictors.

Boosting Profitability Through Green Finance, CSR, and Capital Structure: The Moderating of The Board of Directors Amiarti, Dela; Fahruna, Yulyanti; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1537

This study aims to examine the effects of implementing green finance, corporate social responsibility (CSR), and capital structure on profitability, with the board of directors as a moderating variable. The research focuses on energy sector companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The combination of green finance with corporate social responsibility (CSR) in this study is uncommon in previous studies. In this case, green finance is more concerned with the environment, whereas corporate social responsibility (CSR) is more focused on social issues. Conducted as a quantitative study, the sample selection employed purposive sampling. Secondary data was collected from annual reports and sustainability reports, accessed via www.idx.co.id and the respective companies' official websites The study’s findings reveal that green finance does not significantly impact profitability, while CSR has a positive and significant effect on profitability. Capital structure, on the other hand, has a significant negative impact on profitability. As a moderating variable, the board of directors does not moderate the relationship between green finance and profitability. However, it weakens the positive impact of CSR on profitability and strengthens the negative impact of capital structure on profitability. The implications of this study provide empirical insights into the influence of green finance, CSR, and capital structure on profitability levels. Additionally, the interaction effect analysis suggests that the board of directors plays a strategic role in decision-making related to resource allocation with a sustainability orientation.

Determinants of Personal Financial Distress: Testing the Interaction Effect of Financial Self-efficacy Angelica, Cinthia; Heriyadi; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1514

Several students face financial distress that impacts their performance, mental health, academic progress, and difficulty achieving their financial obligations. Some factors, such as differential needs, cause females to have higher levels of personal financial distress than males. Financial Literacy affects the level of personal financial distress among undergraduate students. Lack of financial Literacy, uncertain income, and excessive anxiety can cause some mistakes in making financial decisions and end up with personal financial distress. This study aims to ascertain correlation between gender, income, anxiety, financial literacy and personal financial distress, and examines the moderating effect of financial self-efficacy. This study using quantitative research methodology, the data was tested using SPSS software. The findings of this study indicate that low income, anxiety, and financial literacy significantly affect personal financial distress. financial self-efficacy only moderates the relationship between financial literacy and personal financial distress. Undergraduate students with high financial literacy supported with high financial self-efficacy can reduce their risk of experiencing personal financial distress. Educational institutions can use these findings to design financial education programs to improve student welfare. This study is limited by the sample may not represent the wider population. For future researchers are recommended to using a larger scope of respondents and more predictors.

Boosting Profitability Through Green Finance, CSR, and Capital Structure: The Moderating of The Board of Directors Amiarti, Dela; Fahruna, Yulyanti; Wendy; Giriati; Mustaruddin
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1537

This study aims to examine the effects of implementing green finance, corporate social responsibility (CSR), and capital structure on profitability, with the board of directors as a moderating variable. The research focuses on energy sector companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The combination of green finance with corporate social responsibility (CSR) in this study is uncommon in previous studies. In this case, green finance is more concerned with the environment, whereas corporate social responsibility (CSR) is more focused on social issues. Conducted as a quantitative study, the sample selection employed purposive sampling. Secondary data was collected from annual reports and sustainability reports, accessed via www.idx.co.id and the respective companies' official websites The study’s findings reveal that green finance does not significantly impact profitability, while CSR has a positive and significant effect on profitability. Capital structure, on the other hand, has a significant negative impact on profitability. As a moderating variable, the board of directors does not moderate the relationship between green finance and profitability. However, it weakens the positive impact of CSR on profitability and strengthens the negative impact of capital structure on profitability. The implications of this study provide empirical insights into the influence of green finance, CSR, and capital structure on profitability levels. Additionally, the interaction effect analysis suggests that the board of directors plays a strategic role in decision-making related to resource allocation with a sustainability orientation.

PERAN LITERASI KEUANGAN DALAM MEMODERASI EFEK INTERNAL LOCUS OF CONTROL TERHADAP KEPUTUSAN KEUANGAN PRIBADI Vinsensius; Wendy
Business, Economics dan Entrepreneurship Vol 6 No 2 (2024): Business, Economics and Entrepreneurship
Publisher : Institut Shanti Bhuana, Program Studi Kewirausahaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/bee.v6i2.964

Penelitian ini menganalisis pengaruh faktor internal locus of control terhadap keputusan keuangan pribadi di Kalimantan Barat, dengan literasi keuangan sebagai variabel moderasi. Berdasarkan survei kuantitatif terhadap 295 responden, hasil penelitian menunjukkan bahwa internal locus of control berpengaruh positif dan signifikan terhadap keputusan keuangan pribadi. Literasi keuangan memiliki pengaruh signifikan secara langsung terhadap keputusan keuangan pribadi, sehingga ditemukan moderasi prediktor, namun tidak memoderasi pengaruh internal locus of control terhadap keputusan keuangan pribadi. Temuan ini memberikan kontribusi penting bagi pengembangan program edukasi literasi keuangan yang dapat membantu masyarakat mengambil keputusan keuangan lebih bijak dan meningkatkan kesejahteraan mereka.

Financial Technology Adoption Behavior in West Kalimantan: Examining the Role of Financial Literacy Ayub, Jhon Stone Esau; Wendy
Ilomata International Journal of Management Vol. 6 No. 3 (2025): July 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i3.1727

This study examines how financial literacy influences financial technology adoption among Generation Z and Millennials in West Kalimantan. Despite the fintech industry's rapid growth revolutionizing financial services, challenges persist in young generations' understanding of financial products. The research addresses the primary issue of low financial literacy levels in West Kalimantan compared to national averages, which hinders effective financial decision-making. Using a quantitative survey approach, the study collected data from 233 Generation Z and Millennial respondents in West Kalimantan. Questionnaires gathered demographic information and indicators related to financial literacy and behavioral intention to adopt fintech. Data analysis employed Structural Equation Modeling with a Partial Least Squares approach using SmartPLS 3 software. Results reveal that financial literacy as a moderating variable shows a positive trend but does not significantly affect behavioral intention to adopt fintech. The findings suggest that Generation Z and Millennials in West Kalimantan adopt fintech primarily due to perceived benefits, ease of use, work-related utility, and self-control rather than financial knowledge. The study emphasizes the importance of enhancing financial literacy for optimal fintech service utilization among young generations. Higher financial literacy levels correlate with increased behavioral intention to adopt fintech services. This research highlights the need for more effective financial education programs targeting young generations to promote wiser fintech usage. The key conclusion underscores that improving financial literacy is essential for broader and more sustainable fintech adoption in the region

Financial Technology Adoption Behavior in West Kalimantan: Examining the Role of Financial Literacy Ayub, Jhon Stone Esau; Wendy
Ilomata International Journal of Management Vol. 6 No. 3 (2025): July 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i3.1727

This study examines how financial literacy influences financial technology adoption among Generation Z and Millennials in West Kalimantan. Despite the fintech industry's rapid growth revolutionizing financial services, challenges persist in young generations' understanding of financial products. The research addresses the primary issue of low financial literacy levels in West Kalimantan compared to national averages, which hinders effective financial decision-making. Using a quantitative survey approach, the study collected data from 233 Generation Z and Millennial respondents in West Kalimantan. Questionnaires gathered demographic information and indicators related to financial literacy and behavioral intention to adopt fintech. Data analysis employed Structural Equation Modeling with a Partial Least Squares approach using SmartPLS 3 software. Results reveal that financial literacy as a moderating variable shows a positive trend but does not significantly affect behavioral intention to adopt fintech. The findings suggest that Generation Z and Millennials in West Kalimantan adopt fintech primarily due to perceived benefits, ease of use, work-related utility, and self-control rather than financial knowledge. The study emphasizes the importance of enhancing financial literacy for optimal fintech service utilization among young generations. Higher financial literacy levels correlate with increased behavioral intention to adopt fintech services. This research highlights the need for more effective financial education programs targeting young generations to promote wiser fintech usage. The key conclusion underscores that improving financial literacy is essential for broader and more sustainable fintech adoption in the region

Determinant of Firm Value and the Role of Firm Size as a Moderating Variable: Empirical Evidence from Top 100 Listed Companies in Indonesia Eka, Yuliana Yuspita; Azazi, Anwar; Syahbandi; Wendy; Mustika, Uray Ndaru
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.v7i2.3091

Firm value reflects investors’ confidence in a company’s management capabilities, ultimately affecting their financial returns. Assessing a firm's value is crucial for investment decisions as it shapes investor perceptions. This research aims to examine the influence of profitability, tax planning, and leverage on firm value in Indonesian companies listed on the Kompas 100 index, with firm size as a moderating variable. The samples were selected using purposive sampling, yielding 222 observations from 37 companies. The panel data were analyzed using moderated regression analysis with EViews 13. The findings reveal that whereas leverage has no appreciable beneficial effect on firm value, profitability and tax planning do. Furthermore, firm size significantly moderates these relationships, enhancing the positive effects of profitability and tax planning, and mitigating the negative impact of leverage on firm value. This research implies that in corporate management should prioritize profitability through operational efficiency and sustainable growth strategies, and utilize legal and efficient tax planning to enhance firm value

ANALISIS RASIO PROFITABILITAS DAN RASIO LIKUIDITAS DALAM MENGUKUR KINERJA KEUANGAN PT ADHI KARYA 2017-2021 Rojulmubin, Fadli; Nurhidayah, Indania; Wendy; Arifianto, Chandra F.; Nazar, Shinta N.
Jurnal Ekonomi dan Bisnis Vol 15 No 2 (2023): JEB Vol 15 No 2 Juli 2023
Publisher : Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55049/jeb.v15i2.218

Kinerja keuangan merupakan suatu penggambaran tentang bagaimana kondisi keuangan di perusahaan tersebut apakah dalam kondisi yang baik atau tidak, serta didalamnya menyangkut aspek bagaimana dana di perusahaan tersebut disalurkan, yang biasanya diukur melalui indikator kecukupan modal, likuiditas serta profitabilitas. Tujuan analisis ini untuk mengetahui perbandingan kinerja keuangan pada PT Adhi Karya pada tahun 2017-2021 yang ditinjau dari Rasio Likuiditas yang dilihat dari Current Ratio, Quick Ratio, Cash Ratio, serta Cash Turnover Ratio. Serta Rasio Profitabilitas yang dilihat dari Gross Profit Margin, Net Profit Margin, Return On Asset, dan Return On Equity. Data dan informasi untuk analisis ini didapat dari Bursa Efek Indonesia serta website perusahaan PT Adhi Karya.

Pengaruh Social Media Marketing dan Lifestyle terhadap Purchase Decisions melalui Brand Awareness Chandra; Wendy; Ahmadi; Erna Listiana; Ana Fitriana
Mutiara: Jurnal Ilmiah Multidisiplin Indonesia Vol. 3 No. 3 (2025): JIMI - JULI
Publisher : PT. PENERBIT TIGA MUTIARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61404/mutiara.v3i3.401

This study aims to comprehensively investigate the influence of Social Media Marketing and Lifestyle on consumer Purchase Decisions, with Brand Awareness serving as a mediating variable that plays a pivotal role in the consumer decision-making process. The research adopts a causal-quantitative design, intended to identify and test the causal relationships among the predetermined variables. Primary data were collected through the distribution of questionnaires to 130 respondents, consisting of customers of CW Coffee in Pontianak City, West Kalimantan. Data analysis was conducted using the Structural Equation Modeling (SEM) technique based on Partial Least Squares (PLS), operated through SmartPLS 4 software, which facilitates simultaneous evaluation of both the measurement model (outer model) and the structural model (inner model). The model estimation results indicate that both Social Media Marketing and Lifestyle exert a positive and statistically significant effect on Brand Awareness, and contribute both directly and indirectly to Purchase Decisions. Furthermore, Brand Awareness is empirically validated as a partial mediator that reinforces the relationship between the independent variables and the dependent variable. The theoretical implications of these findings underscore that enhancing brand exposure through strategic social media engagement and contextually understanding contemporary consumer Lifestyles are critical determinants in shaping strong brand perceptions and driving purchase intention and realization. Consequently, this study offers practical contributions for business practitioners in formulating digital marketing strategies based on the integration of consumer values and the optimization of digital communication channels, thereby enhancing market penetration effectiveness and fostering long-term customer loyalty.

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