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All Journal EkoBis ( Ekonomi & Bisnis ) Jurnal Bisnis dan Manajemen Kinerja JURNAL ADMINISTRASI BISNIS Business UHO: Jurnal Administrasi Bisnis Journal of Economic, Bussines and Accounting (COSTING) Jurnal Inovasi Bisnis (Inovbiz) Jurnal Riset Inspirasi Manajemen dan Kewirausahaan OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Almana : Jurnal Manajemen dan Bisnis Jurnal Samudra Ekonomi dan Bisnis Jurnal Ilmu Manajemen JURNAL EKOBIS DEWANTARA Syntax Idea Performance : Jurnal Bisnis dan Akuntansi Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Jurnal Syntax Transformation BUDGETING : Journal of Business, Management and Accounting Journal of Management and Bussines (JOMB) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Ilmiah Wahana Pendidikan Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Journal of International Conference Proceedings Innovative: Journal Of Social Science Research e-Jurnal Apresiasi Ekonomi Journal of Economics and Management Scienties Jurnal Administrasi Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Nor Norisanti
Universitas Muhammadiyah Sukabum
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Journal : Dinasti International Journal of Economics, Finance

 1 
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.
The Effect of Financial Literacy, Risk Tolerance on Stock Investment Decisions through Financial Behavior as a Mediating Variable Hafitri, Nisa Elya; Norisanti, Nor; Saori, Sopyan
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.v6i4.4807

Abstract

This study aims to analyze the effect of financial literacy and risk tolerance on stock investment decisions, with financial behavior as a mediating variable, on young investors who are members of the stock community on the Twitter application. Using a quantitative approach and causality associative design, this study involved 210 respondents selected through purposive sampling. Data were collected through a Likert scale-based online questionnaire and analyzed using a Structural Equation Modeling (SEM) model based on Partial Least Squares (PLS) through SmartPLS 4 software. The results showed that financial literacy has a significant positive effect on investment decisions, meaning that the higher the financial literacy, the better the investment decision. In addition, risk tolerance also has a significant positive effect, indicating that high risk tolerance encourages bolder investment decisions. Financial behavior is found to have a significant influence on investment decisions, indicating the importance of good financial behavior in improving the quality of investment decisions. Financial behavior is also proven to significantly mediate the relationship between financial literacy and risk tolerance on investment decisions, strengthening the influence of both variables. This study confirms the importance of financial literacy and positive financial behavior for young investors to improve risk analysis skills, avoid illegal investments, and maximize investment profit opportunities. The findings are expected to serve as a reference for the development of financial education and the formation of healthy financial habits among the younger generation.
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 Lifestyle on Financial Management: The Moderating Role of Financial Literacy among Millennial Workers in Sukabumi City Khaerunnisa, Salma; Norisanti, Nor; Komariah, Kokom
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.v6i4.4816

Abstract

This study investigates the influence of lifestyle on financial management and examines the direct and moderating roles of financial literacy among millennial workers in Sukabumi City. A total of 155 respondents were selected using purposive sampling. Data analysis was conducted using path analysis with the bootstrapping method through SmartPLS 3.2.9 software. The findings reveal that lifestyle has a positive and significant effect on financial management. Similarly, financial literacy shows a positive and significant influence on financial management. Furthermore, financial literacy demonstrates a moderating effect by weakening the relationship between lifestyle and financial management, as indicated by a significant negative interaction effect. These results imply that enhancing financial literacy can help mitigate the potential adverse effects of an excessive lifestyle on financial management. This suggests the importance of integrating financial education programs into workplace development initiatives targeting millennials.
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.
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 Good Corporate Governance and Intellectual Capital on Profitability Ratio Fitrio, Rian Renaldi Muhamad; Norisanti, Nor; Saori, Sopyan
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.v5i4.3233

Abstract

Increased competition in business at this time is experiencing rapid development. This causes every company to have a strategy in competing so as not to experience bankruptcy and improve the company's financial performance. This study aims to determine the effect of Good Corporate Governance on Financial Performance and to determine the effect of Intellektual Capital on Financial Performance at Commercial and Conventional Banks listed on the Indonesia Stock Exchange (IDX) for the period 2020-2022. The research method that researchers use in solving problems is descriptive and associative research methods with a quantitative approach. The population in this study were conventional bank companies listed on the Indonesia Stock Exchange in 2020-2022. The samples used in this study were 10 commercial bank issuers listed on the IDX in the 2020-2022 period. The data collection techniques used in this research are literature study and documentation. The data analysis technique in this study is the multiple linear regression statistical method using SPSS software version 25. The results showed that there was a negative and insignificant effect of Good Corporate Governance on the Profitability Ratio and there was a positive and insignificant effect between Intellectual Capital on the Profitability Ratio.
Co-Authors A Restu Maulani Acep Samsudin Acep Syamsudin Adelia Athaya Dzakiyyah Adzkya, Adzkya Shaqiela Afiary, Muhamad Azhar Afifah, Fitriani Ai Mulyaningrum Ajeng Ayu Wardhani Putri Ajeng Vika Nia Tifani Amalia, Salma Andini Widya Yasa Andira, Firani Dias Anggi Pratiwi Anggi Pratiwi, Anggi Anggia Nurul Safarila Anisa Maramis Annisa Ayulestari Noer Annisa Drajat Any Octaviany Aprianto, Muhammad Shidiq Apriliani Sya’diah Asep Muhamad Ramdan Asep Muhammad Ramdhan Aslia, Farisa Astria, Indria Sri Astriani Puji Lestari Auliya, Auliya Farreli Irhandi Ayu Puji Astuty Azis Mauraksa Azzahrunisa, Andini Bagus Muhammad Guntur Budiarti Sawitri, Indah Ce Mutia Izmilla Clara Candra Komala Damayanti, Elok Deni Muhammad Danial Deni Muhammad Daniel Desta Riany Devi Agustini Devilia, Wanda Diah Nurul Fauzi Dicky Jhoansyah Dio Alif Ramadhan Ditha Indah Fatmasari Dwi Sri Wahyuni Elah Elah Elia Rahayu R Erry Sunarya Erry Sunarya Ervina Widiastuti Ery Sunarya Evrida hayati Fabianca Fachreza Fahmi Mauludin Faizal Mulia Z Faizal Mulya Z Fany Mutia Rizki Farach Dhiba Helmaliana Farike Rhava Kusmita Fauzhan Pratama Permana Febriani, Selvy Firani Dias Andira Firhan Dwi Januar Fitrah Shaumi Ulul Albab Fitrio, Rian Renaldi Muhamad Gia Tamara Sukandi Gunawan, Alayda Nazwa Hadiyah Hafitri, Nisa Elya Hana Diawati Hana Nurhasanah Hana Qurota A'yun Hartika, Dela Heni Nurbayani Ia Siti Bahriah Ilham Maulana Ilham Maulana Ibrahim Ima Halimah Ima Halimah Indah Budiarti Sawitri Indah Khoiriyah Indria Sri Astria Intan Permatasari Irma Sulastri Jihan Nurul Rachman Julianti Eka Putri kendra Nur Ghibrani Khaerunnisa, Salma Khairunnisa, Risvi Meilan Kholipah Al Mugni Kokom Komariah Kokom Komariah Komala, Clara Candra Laila Hamidah Langi Delanur Lestari Damayanti Lulu Gita Lusi Nur Fajriani Machmudin, Arief Mahesa Saputra Manuhutu, Fitria Andriani Marina, Ade Maulana Abdul Rohman Maulani, Almah Mauludin, Fahmi Meita Dilani Nurhandriani Mitasari Mitasari Moch Alhadi Fahtiansyah Mochammad Husen Gifari Moh Irpan Firmansyah Mohammad Ilham Mulia Z., Faizal Mulia. Z, Faizal Mulya Z, Faizal Nabila Maulana Yusup, Silva Nadia Cindy Monica Najwa Indah Sari Ni Luh Ari Yusasrini Noviani Noviani Nur Ajeng Setia Wiguna Nurillah Sopian Nurmala, Resa Nurul Aulia Nurul Jauza Putri Nuryana, Hilmy Phytaloka, Ananda Dhea Purnama, Ilham Purwaningsih, Fitriana Ayu Purwoko, Agus Puspita Wulandari R Deni Muhammad Danial R. Deni M. Danial Rahayu Damayanti Rahma Lia Fauziah Rahmat Setyo Wicaksono Ramadhani, Salsa Diva Resa Nurmala Respi Saputri Resti Ganis Yuliani Restu Nurfani Retla Della Rustawan Ria Ulvia Erza Riani Fauzia Rahmayanti Risfa Aryani Putri Rizki, Maulana Rizky Adhinugroho Rosmalianda Aprilia Rossy Rosmalia Sutarya Sa'adatunnisa, FItri Salman Muhammad Rezab Salsabila Safiratunnajah Saputri, Respi Seli Lestari Selvia Ramdani Septi Utami Shaquila Farah Aprila Shera Wulan Ruswandi Shintya Yuliana Silitonga, Tiur Maulina Siska Oktavia Siti Dwi Ayuningsih Siti Maria Ulpah Siti Maryam Agustina Siti Rohila Sofyan, Frama Aditya Sopyan Saori Sri Nuranti Sulastri Fazriah Sunarya, Erry Suwendi Suwendi Syifa Sofariah Tetty Sufianty zafar Tiara Suci Bentar Ummu Hawa Assa’diyah Utami, Septi Vini Eka Paksi Wimartfian, Restu Eka Yesi Rahmawati Yoga Nudea sofyan Yogi Lesmana Yosef Saefurrohmat Yuwan Apriliandi Zafar, Tetty Sufianty