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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) International Journal Administration, Business & Organization Journal of International Conference Proceedings Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research e-Jurnal Apresiasi Ekonomi Journal of Economics and Management Scienties Jurnal Administrasi Bisnis IIJSE QOSIM: Jurnal Pendidikan, Sosial & Humaniora Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Proceedings of The International Indonesia Conference on Interdisciplinary Studies Edueksos: Journal Pendidikan Sosial dan Ekonomi
Nor Norisanti
Universitas Muhammadiyah Sukabum
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Pengaruh Operating Cash Flow, Leverage dan Intellectual Capital terhadap Financial Distress Putri, Apdhita Seftiantie Rusmaya; Norisanti, Nor; Saori, Sopyan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6272

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh operating cash flow, leverage (Debt to Asset Ratio/DAR), dan intellectual capital terhadap financial distress pada perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia (BEI) periode 2024. Financial distress merupakan kondisi penurunan kinerja keuangan yang dapat menjadi indikator awal kebangkrutan, sehingga perlu diidentifikasi melalui variabel-variabel internal perusahaan. Penelitian ini menggunakan data sekunder berupa laporan keuangan tahunan perusahaan energi yang dipublikasikan melalui situs resmi BEI. Teknik pengambilan sampel menggunakan purposive sampling sehingga diperoleh 31 perusahaan yang memenuhi kriteria penelitian. Metode analisis data dilakukan dengan regresi linier berganda menggunakan aplikasi SPSS, disertai uji asumsi klasik meliputi uji normalitas, multikolinearitas, dan heteroskedastisitas. Hasil penelitian menunjukkan bahwa operating cash flow berpengaruh signifikan terhadap financial distress, yang mengindikasikan bahwa kemampuan perusahaan menghasilkan arus kas dari aktivitas operasional menjadi faktor penting dalam menjaga likuiditas dan keberlanjutan usaha. Leverage (DAR) juga berpengaruh signifikan terhadap financial distress, yang menunjukkan bahwa struktur pendanaan melalui utang memiliki peran dalam meningkatkan risiko tekanan keuangan apabila tidak dikelola secara optimal. Sementara itu, intellectual capital tidak berpengaruh signifikan terhadap financial distress, karena karakteristik sektor energi yang lebih didominasi aset berwujud serta pengaruh eksternal seperti fluktuasi harga komoditas. Secara simultan, ketiga variabel independen berpengaruh terhadap financial distress. Temuan ini diharapkan dapat menjadi bahan pertimbangan bagi manajemen dan investor dalam mengevaluasi potensi risiko kesulitan keuangan perusahaan sektor energi.
THE EFFECT OF DIGITALIZATION SKILLS ON EMPLOYEE PERFORMANCE WITH READINESS TO CHANGE AS AN INTERVENING VARIABLE Endarti Endarti; Faizal Mulia Z; Nor Norisanti
Proceedings International Indonesia Conference on Interdisciplinary Studies Vol. 1 (2025): Proceedings of The International Indonesia Conference on Interdisciplinary Studies (I
Publisher : Faculty of Social and Political Sciences, Universitas Lampung

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Abstract

The digital revolution has encouraged companies to carry out technological transformation to improve operational efficiency and effectiveness. However, the implementation of digitalization does not always have a direct impact on improving employee performance. This study aims to analyze the effect of digitalization skills on employee performance with readiness to change as a mediating variable at PT Sari Alam Sukabumi. The research method used is quantitative with a sample size of 122 respondents. Data collection was conducted using questionnaires distributed to employees, and data analysis techniques employed Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results showed that digitalization skills have a positive and significant effect on employee performance. In addition, readiness to change has a positive and significant effect on employee performance. Furthermore, the study found that readiness to change successfully mediates the relationship between digitalization skills and employee performance. This indicates that employees who possess strong digital competencies and are ready to adapt to organizational changes are more likely to demonstrate improved performance. These findings highlight the importance of developing digital skills and fostering a culture of change readiness to support successful digital transformation in organizations.
THE EFFECT OF FINANCIAL LITERACY ON RISKY CREDIT BEHAVIOR IN THE USE OF GOPAYLATER WITH FINANCIAL SELF-EFFICACY AS A MEDIATING VARIABLE Tiffany; Nor Norisanti; Sopyan Saori
Proceedings International Indonesia Conference on Interdisciplinary Studies Vol. 1 (2025): Proceedings of The International Indonesia Conference on Interdisciplinary Studies (I
Publisher : Faculty of Social and Political Sciences, Universitas Lampung

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Abstract

Technological advances have encouraged people to adopt an instant lifestyle, including in financial matters. One widely used innovation is the Buy Now Pay Later (BNPL) service, such as GoPayLater. While offering convenience, the use of this service carries the risk of fostering risky credit behavior, especially if it is not accompanied by adequate financial literacy and financial self efficacy. This study aims to investigate the influence of Financial Literacy on Risky Credit Behavior and to test the mediating role of financial self-efficacy. This study employs a quantitative approach using an associative causal method. The sampling technique in this study uses purposive sampling of 155 GoPayLater users who follow the @discountfess account on the X app. The data analysis technique used in this study is Structural Equation Modeling (SEM) using Partial Least Square (PLS). The results of the study indicate that Financial Literacy has a negative and significant effect on Risky Credit Behavior, as well as a positive and significant effect on Financial Self-Efficacy. Financial Self-Efficacy also has a positive and significant effect on Risky Credit Behavior and is proven to effectively mediate the relationship between financial literacy and risky credit behavior.
Analisis Pertumbuhan Penjualan, Ukuran Perusahaan, Leverage dan Capital Intensity Terhadap Profitabilitas PT Mandala Multifinance Shaquila Farah Aprila; Nor Norisanti; Faizal Mulia Z
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): 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.v7i4.6730

Abstract

This study aims to determine the effect of sales growth, company size, leverage and capital intensity on profitability. The research method used in this research is quantitative research method with associative descriptive approach. The sample technique used by analysing the company's financial statements for the last few years and the data analysis technique is Regression with the help of SPSS 26 software. The results of this study indicate that PT Mandala Finance, Tbk has successfully built sales growth, company size, leverage, capital intensity and profitability in these decades. Sales growth shows that it has a positive significance value, which means that sales growth has a positive and significant effect on profitability. Company size has no significant effect on profitability. Leverage has a negative significant effect on profitability. Capital intensity has no significant effect on profitability. PT Mandala needs to make strategy adjustments to maintain stable sales growth, manage leverage wisely, and maximise the use of fixed assets in order to maintain optimal profitability. The integration of theory and previous research findings confirms that sustainable growth requires a balance between asset expansion, debt management, and efficient use of capital.
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.
Boosting Entrepreneurial Drive: The Impact of Motivation and Social Environment on Business Intentions Fadhli Ahmad Fauzan; Nor Norisanti; Sopyan Saori
Edueksos: Jurnal Pendidikan Sosial & Ekonomi Vol. 13 No. 02 (2024): Edueksos: Jurnal Pendidikan Sosial dan Ekonomi
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v13i02.18163

Abstract

This study aims to analyze in depth the influence of motivation and social environment on entrepreneurial interest in Madrasah Aliyah Al Jazuliyah. Motivation and social environment have been identified as key factors that influence the tendency of individuals to start and run their businesses. This research uses descriptive and associative methods with a quantitative approach. The sampling technique in this study used a non-probability sampling technique of saturated sampling type, with a total sample of 117 students of Madrasah Aliyah Al Jazuliyah as respondents. Semantic differential is used as a scale, and the data analysis techniques used in this study are classical tests, multiple correlation coefficients, determination coefficients, multiple linear regression, and simultaneous hypothesis testing (F test) and partially (T test). The results in this study indicate that motivation has a significant effect on the entrepreneurial interest of active students of Madrasah Aliyah Al Jazuliyah, this is proved by the obtained T hitutng 4.176> 1.658 T table which means T count greater than T table. Likewise, the social environment has a significant influence on active students of Madrasah Aliyah Al Jazuliyah, this is confirmed by the obtained T hitutng 8.793> 1.658 T table which means that T count is greater than T table. And motivation and social environment together have a very strong and significant influence on students' entrepreneurial interest, highlighting the importance of these factors in fostering entrepreneurial intentions.Keywords: Social Environment, Interest in Entrepreneurship, Motivation.
Co-Authors A Restu Maulani Acep Samsudin Acep Syamsudin Adelia Athaya Dzakiyyah Adzkya, Adzkya Shaqiela Afiary, Muhamad Azhar Afifah, Fitriani Agustiani, Rayhani Ai Mulyaningrum Ajeng Ayu Wardhani Putri Ajeng Vika Nia Tifani Alisya Rahma Andini Amalia, Salma Andini Widya Yasa Andira, Firani Dias Anggi Pratiwi Anggi Pratiwi, Anggi Anggia Nurul Safarila Anisa Maramis Annisa Ayulestari Noer Annisa Drajat Anshary, Muhamad Asykal Rizqinan 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 Endarti Endarti Erry Sunarya Erry Sunarya Ervina Widiastuti Ery Sunarya Evrida hayati Fabianca Fachreza Fadhli Ahmad Fauzan 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 Maulana Rizki Maulani, Almah Mauludin, Fahmi Meita Dilani Nurhandriani Mitasari Mitasari Moch Alhadi Fahtiansyah Mochammad Husen Gifari Moh Irpan Firmansyah Mohammad Ilham Muharrom, Ibnu Mulia Z., Faizal Mulia. Z, Faizal Mulya Z, Faizal Mursyidan, Muhammad Fadhli Nabila Maulana Yusup, Silva Nadia Cindy Monica Najwa Indah Sari Ni Luh Ari Yusasrini Noviani Noviani Nur Ajeng Setia Wiguna Nurhafni, Alyaa Fawzia Nurillah Sopian Nurmala, Resa Nurul Aulia Nurul Jauza Putri Nuryana, Hilmy Phytaloka, Ananda Dhea Purnama, Ilham Purwaningsih, Fitriana Ayu Purwoko, Agus Puspita Wulandari Putri, Apdhita Seftiantie Rusmaya R Deni Muhammad Danial R. Deni M. Danial Ragis Arginta Resian Rahayu Damayanti Rahma Lia Fauziah Rahmat Setyo Wicaksono Rahyadi, Muhamad Reyhan Ramadhani, Salsa Diva Resa Nurmala Respi Saputri Resti Ganis Yuliani Restu Nurfani Retla Della Rustawan Ria Ulvia Erza Riani Fauzia Rahmayanti Risfa Aryani Putri 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 Sopyan Saori Sri Nuranti Sulastri Fazriah Sunarya, Erry Suwendi Suwendi Syifa Sofariah Tetty Sufianty Zafar Tiara Suci Bentar Tiffany Ummu Hawa Assa’diyah Utami, Septi Vini Eka Paksi Wimartfian, Restu Eka Yesi Rahmawati Yoga Nudea sofyan Yogi Lesmana Yosef Saefurrohmat Yuwan Apriliandi