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All Journal Jurnal Ekonomi Pembangunan ETIKONOMI Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Jurnal Manajemen Terapan dan Keuangan Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Manajemen Bisnis Kompak : Jurnal Ilmiah Komputerisasi Akuntansi JDM (Jurnal Dinamika Manajemen) Infestasi Journal of Accounting and Investment Benefit: Jurnal Manajemen dan Bisnis DERIVATIF Jurnal Agribisnis Management Analysis Journal Jurnal Akuntansi dan Pajak Jurnal Maneksi (Management Ekonomi Dan Akuntansi) AKUNTANSI DEWANTARA Jurnal Manajemen & Keuangan Journal of Accounting Science JURNAL MANAJEMEN MOTIVASI BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks Journal of Economic, Bussines and Accounting (COSTING) J-MAS (Jurnal Manajemen dan Sains) Distribusi Owner : Riset dan Jurnal Akuntansi Shirkah: Journal of Economics and Business YUME : Journal of Management Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) Budimas : Jurnal Pengabdian Masyarakat Airlangga Journal of Innovation Management Jurnal Ilmu Manajemen Advantage Proceedings Series on Social Sciences & Humanities Jurnal Ekonomi dan Bisnis Digital (MINISTAL) East Asian Journal of Multidisciplinary Research (EAJMR) Indonesian Journal of Business Analytics (IJBA) Journal of Finance and Business Digital (JFBD) Journal of Accounting and Finance Management (JAFM) Master: Jurnal Manajemen dan Bisnis Terapan Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Paradoks : Jurnal Ilmu Ekonomi IIJSE Jurnal Ekonomi Bisnis Antartika Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies JURNAL MANAJEMEN DAN BISNIS INDONESIA
Maulida Nurul Innayah
Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Public Health Civil Servant Performance: Cyberloafing, Organizational Commitment, Job Satisfaction and Organizational Citizenship Behavior Aji Sugiarto; Hermin Endratno; Fatmah Bagis; Maulida Nurul Innayah
Jurnal Manajemen dan Bisnis Indonesia Vol. 12 No. 1 (2026): Edisi Bulan Juni
Publisher : Universitas Muhammadiyah Jember

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

Abstract

Penelitian ini bertujuan untuk menganalisis dan menjelaskan hubungan sebab-akibat antara cyberloafing, komitmen organisasi, dan kepuasan kerja terhadap kinerja pegawai negeri sipil (PNS) dengan Organizational Citizenship Behavior (OCB) sebagai variabel mediasi. Pendekatan penelitian ini adalah kuantitatif, yang menggunakan metode sampling jenuh dengan melibatkan seluruh populasi PNS pada Dinas Kesehatan, Pengendalian Penduduk, dan Keluarga Berencana Kabupaten Cilacap. Pengumpulan data dilakukan melalui kuesioner terstruktur dengan 116 responden. Analisis data menggunakan SEM-PLS dengan perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa cyberloafing berpengaruh negatif signifikan terhadap kinerja. Komitmen organisasi berpengaruh positif signifikan terhadap kinerja dan OCB. Kepuasan kerja berpengaruh positif signifikan terhadap OCB, dan OCB sendiri berpengaruh positif signifikan terhadap kinerja. Selain itu, OCB berperan sebagai mediator utama dalam hubungan antara kepuasan kerja dan kinerja. Temuan ini menegaskan peran selektif OCB sebagai mekanisme mediasi dalam konteks sektor publik. Kebaruan penelitian ini terletak pada dimasukkannya cyberloafing sebagai variabel independen dalam model kinerja PNS di sektor publik. Secara praktis, hasil penelitian ini memberikan implikasi bagi pimpinan instansi pemerintah untuk mengelola cyberloafing secara proporsional serta mendorong OCB guna meningkatkan kinerja dan kualitas pelayanan publik.
PROFITABILITY DRIVERS OF ISLAMIC COMMERCIAL BANKS IN INDONESIA : A FINANCIAL INDICATOR APPROACH Zulfa Suhailah; Naelati Tubastuvi; Herni Justiana Astuti; Maulida Nurul Innayah
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14039

Abstract

This study examines the influence of internal factors such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Non-Performing Financing (NPF), and Bank Size on Profitability, represented by Return on Assets (ROA), in Islamic Commercial Banks authorized by the Financial Services Authority (Otoritas Jasa Keuangan or OJK) in Indonesia Using quarterly data spanning 2021–2024 from 14 Islamic commercial banks—yielding 206 observations through purposive sampling—and employing a Fixed Effect Model panel data regression approach, this research aims to capture financial performance dynamics in a more granular and timely manner compared to the annual data predominantly used in prior studies. The novelty of this study lies in the adoption of quarterly data, which provides greater sensitivity to short-term economic fluctuations and seasonal effects in the post-pandemic and post-merger era, as well as the explicit inclusion of Bank Size as an independent variable—rather than merely as a control variable as in most previous research—allowing for a direct examination of its role in driving profitability. The analysis results indicate that only BOPO has a significant negative effect on ROA, while CAR, FDR, NPF, and Bank Size are insignificant. Practical implications include recommendations for bank management to optimize operational cost control and for OJK regulators to strengthen adaptive policies addressing short-term economic fluctuations.
Internal Locus of Control and Spiritual Intelligence as Drivers of Young Generation’s Financial Behaviour: A Gender Differences Analysis Aqila Jihan Putri Rahardin; Maulida Nurul Innayah; Wida Purwidianti; Arini Hidayah
Jurnal Maksipreneur Vol 15 No 2 (2026)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v15i2.2572

Abstract

Personal financial management behaviour is increasingly vital for Generation Z, who face rapid digitalisation, abundant information, and rising consumerism that influence their financial attitudes and choices. This study investigates the effects of Internal Locus of Control and Spiritual Intelligence on personal financial management behaviour, with gender as a moderating factor, using data from 154 respondents in Banyumas Regency collected through purposive sampling and analysed with PLS-SEM. The findings show that Internal Locus of Control positively and significantly enhances financial management behaviour, indicating that individuals with stronger self-control tend to manage finances more responsibly. Spiritual Intelligence also contributes positively, highlighting the influence of values and awareness on financial decisions. Gender further moderates both relationships, revealing behavioural differences between males and females. Overall, the study underscores the need to integrate psychological and spiritual elements into financial education for Generation Z.
Do Financial Decisions Enhance Firm Value? The Mediating Role of Performance in Indonesia Consumer Non-Cyclical Firms Ana Dwi Setyaning; Maulida Nurul Innayah; Naelati Tubastuvi; Hengky Widhiandono
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 2 (2026): Artikel Research April 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i2.3071

Abstract

This study investigates the effects of investment decisions, capital structure, dividend policy, and institutional ownership on firm value, with firm performance as a mediating variable, in the consumer non-cyclical sector listed on the Indonesia Stock Exchange. The sample comprises 38 firms with 150 panel data observations for the 2020-2024 period, selected using purposive sampling. Data analysis employed panel regression models fixed effect and random effect, chosen based on preliminary tests and the Sobel test to assess mediation effects. The findings reveal that investment decisions and capital structure enhance firm performance, whereas dividend policy reduces performance, and institutional ownership exerts no significant influence. In the firm value model, only capital structure demonstrates a positive and significant effect, while other variables show no direct impact. Mediation analysis confirms that investment decisions and capital structure indirectly strengthen firm value through firm performance, as effective investment allocation and leverage improve productivity and profit, which the market interprets as higher valuation. Conversely, dividend policy and institutional ownership do not exhibit mediating roles.The novelty of this research lies in incorporating institutional ownership into the financial decision firm value framework, thereby extending governance perspectives in corporate finance. Theoretically, the study reinforces firm performance as a key transmission mechanism in corporate finance models, while practically it highlights the importance of performance-oriented strategies and governance-based ownership in sustaining firm value under market uncertainty.
The Mediating Role of Financial Self-Efficacy in Financial Management Behavior Anggita Nur Reza; Naelati Tubastuvi; Herni Justiana Astuti; Maulida Nurul Innayah
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.v7i3.11274

Abstract

College students are the agent of change who are expected to boost the country’s economy, but the consumerist and wasteful lifestyle among college students remains a real problem. This study aims to analyze the influence of financial attitude, financial literacy, and locus of control on financial management behavior with financial self-efficacy as a mediating variable among students in Purwokerto. The population in this study consisted of 9,037 active students majoring in economics and business from three universities, namely Muhammadiyah University Purwokerto, Jenderal Soedirman University, and Prof. KH. Saifuddin Zuhri State Islamic University Purwokerto. The sampling technique used the Slovin formula, which produced 170 respondents. The research approach used was quantitative with data processing techniques using SmartPLS version 3.0 through three stages, namely outer model, inner model, and bootstrapping. The results showed that financial attitude, financial literacy, and locus of control had a positive and significant effect on financial self-efficacy and financial management behavior. In addition, financial self-efficacy was also proven to positively and significantly mediate the relationship between financial attitude, financial literacy, and locus of control with financial management behavior. These findings confirm that self-confidence in financial abilities plays an important role in strengthening the relationship between attitude, literacy, and self-control in students' financial management behavior. This study implies that improving financial self-efficacy and financial literacy education should be a primary focus in shaping wise and responsible financial behavior among the younger generation
Dampak Keputusan Pembelian Online Produk Skincare pada Platform E-Commerce di Kalangan Gen-Z Elda Nur Fadillah; Herni Justiana Astuti; Erny Rachmawati; Maulida Nurul Innayah
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2134

Abstract

Penelitian ini menganalisis pengaruh kualitas produk, social media marketing, electronic word of mouth (E-WOM), dan promosi terhadap keputusan pembelian produk Skintific di e-commerce Shopee. Data dianalisis menggunakan regresi linear berganda dengan SPSS 25 mendapatkan 168 responden mahasiswa dari tiga perguruan tinggi di Purwokerto dengan teknik pengambilan data menggunakan purposive sampling. Hasil analisa menunjukkan seluruh variabel berpengaruh positif dan signifikan terhadap keputusan pembelian. Temuan ini selaras dengan teori Stimulus-Response (S-R). Implikasinya, perusahaan perlu memperkuat pengelolaan ulasan konsumen, menjaga kualitas produk, serta mengoptimalkan pemasaran digital dan promosi untuk meningkatkan keputusan pembelian.
FAKTOR PENGARUH MINAT BERLANGGANAN LAYANAN STREAMING : CONTENT RICHNESS, PERCEIVED VALUE, SOCIAL INFLUENCE, DAN PERCEIVED QUALITY PADA NETFLIX DIKALANGAN GEN Z Zulfa Putri Kasuwardani; Dian Widyaningtyas; Arini Hidayah; Maulida Nurul Innayah
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/g7z3vr47

Abstract

Industri media dan hiburan di Indonesia mengalami transformasi besar akibat kemajuan teknologi digital dan maraknya platform streaming. Penelitian ini bertujuan menganalisis faktor-faktor yang mempengaruhi minat berlangganan layanan streaming Netflix di Purwokerto dengan fokus pada variabel Content Richness, Perceived Value, Social Influence dan Perceived Quality. Populasi penelitian ini adalah masyarakat Purwokert dan  metode purposive samplig digunakan untuk pengambilan sampel. Data diolah menggunakan SEM-PLS. Hasil penelitian menunjukan bahwa Content Richness dan Social Influence berpengaruh positif dan signifikan terhadap minat berlangganan Netflix. Sebaliknya, Perceived Value dan Perceived Quality tidak berpengaruh terhadap minat berlangganan Netflix.
DETERMINASI KINERJA UMKM: ANALISIS PERAN INKLUSI KEUANGAN, LITERASI KEUANGAN DIGITAL, PENGELOLAAN KEUANGAN, DAN LOCUS OF CONTROL Eka Yuli Purwita; Maulida Nurul Innayah; Wida Purwidianti; Dian Widyaningtyas
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 1 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i1.3732

Abstract

Introduction: This study aims to examine the effects of financial inclusion, digital financial literacy, financial management, and locus of control on the performance of micro, small, and medium enterprises (MSMEs) in Banyumas Regency, using a Resource-Based Theory framework.Methods: The quantitative methodology of this study is based on primary data collected from 115 respondents, selected at random from a pool of MSME owners, via an online and offline survey.Results: The findings indicate that financial management and locus of control have a positive, significant effect on MSME performance, underscoring the importance of internal managerial capabilities and psychological resources. Conversely, financial inclusion and digital financial literacy do not show a significant impact on MSME performance, suggesting that access to financial services and digital financial tools has not yet been optimally utilized to enhance business performanceConclusion and suggestion: These results imply that financial access alone is insufficient without adequate managerial skills and strong internal controls. Therefore, MSME development programs are encouraged to focus on strengthening financial management practices and internal locus of control to improve MSME performance and sustainability. Keywords: Digital Financial Literacy, Financial Inclusion, Financial Management, Locus of Control, MSME Performance
Religiosity, Attitudes, and Financial Literacy as Predictors of Saving Behavior: The Mediating Role of Saving Intention among Muslim Young Generation Siti Kholifah; Maulida Nurul Innayah; Naelati Tubastuvi; Nawalin Nazah
Jurnal Ekonomi Pembangunan Vol. 23 No. 02 (2025): Jurnal Ekonomi Pembangunan
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v23i02.43045

Abstract

This study aims to examine the influence of religiosity, attitude towards saving, and financial literacy on saving behaviour, with saving intention as a mediating variable among Muslim Generation Z in Banyumas Regency. Using a quantitative approach with purposive sampling, data were collected from 139 respondents and analysed using SEM-PLS in SmartPLS 4.0. The results show that attitude towards saving has a significant positive effect, both directly and indirectly through saving intention, on saving behaviour, while religiosity and financial literacy do not demonstrate significant effects. These findings suggest that psychological factors, specifically attitudes and intentions, play a more substantial role in shaping saving behaviour than religious values or financial knowledge. The study concludes that strengthening positive attitudes toward saving is essential for improving financial behaviour among young Muslims. However, the generalizability of the results remains limited due to the narrow geographical scope of the sample.
WHAT DRIVES INVESTMENT DECISIONS? EXAMINING THE ROLES OF DIGITAL FINANCIAL LITERACY, COGNITIVE ABILITY, AND RISK TOLERANCE THROUGH INTENTION TO INVEST Reza Dwi Fauzhi; Maulida Nurul Innayah; Herni Justiana Astuti; Purnadi Purnadi
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 4 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/cavq0826

Abstract

Investment decision-making has become increasingly important as participation in digital investment platforms continues to grow. This study aims to examine the influence of digital financial literacy, cognitive ability, and risk tolerance on investment decisions, with intention to invest as a mediating variable. Drawing on the Theory of Planned Behavior (TPB) and Prospect Theory, this study employed a quantitative research design using a cross-sectional survey. Data were collected from 151 respondents through purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that digital financial literacy and cognitive ability have positive and significant effects on investment decisions, whereas risk tolerance has no significant effect on investment decision. Intention to invest also has a positive and significant effect on investment decisions. Similarly, intention to invest mediated the relationship between digital financial literacy and cognitive ability on investment decisions, but does not to mediate the relationship between risk tolerance and investment decisions. By integrating digital financial literacy, cognitive ability, and risk tolerance within the TPB and Prospect Theory framework, this study provides a better understanding of investment decision-making among regional investors. The findings also offer practical implications for policymakers, financial educators, and financial institutions in designing programs to improve the quality of individual investment decisions.
Co-Authors Ainun Nizmah, Kemala Aji Sugiarto Akhmad Darmawan Akhmad Darmawan Akhmad Darmawan Al Mubarik, Aenad Alfalisyado Alfato Yusnar Kharismasyah Alfato Yusnar Kharismasyah Amalia Romadhani Amrizah Kamaluddin Ana Dwi Setyaning Anatasya , Putri Syifa Anggara, Ali Akbar Anggita Nur Reza Aqila Jihan Putri Rahardin Arini Hidayah Arini Hidayah, Arini Aryoko, Yudhistira Pradhipta Asih, Faisyah Yuli Astuti, Hernia Justiana Azizah, Farinda Hauna Bagis, Fatmah Bima Cinintya Pratama Bintang Putra Fauzi Bondan Pradiptasani Suryawan Cahyani, Ica Dwi Dian Larasati Dian Widyaningtyas Dyandra Viorica Ivonilenia Ega Yufitra Rahayu Eka Yuli Purwita Elda Nur Fadillah Erny Rachmawati Fatmah Bagis Fitriati, Azmi Hardiyanto Wibowo Hardiyanto Wibowo Hardiyanto Wibowo, Hardiyanto Hengky Widhiandono, M.Si. S.E. Hermin Endratno Herni Justiana Astuti Herni Justiana Astuti Herni Justiana Astuti Imaniar Zahwa, Tiara Indriana Putri Karin Maharani Sasongko Kharismasyah, Alfato Yusnar Lestari, Via Okti Lisa Cahya Zaharani Luthfi Zamakhsyari M Agung Miftahudin M Makhrus M. Agung Miftahuddin Maharani, Wilia Krisna Mamduh M. Hanafi Mastur Mujib Ikhsani Miftahuddin, Muchammad Agung Miftahul Furqon Muhammad Arfani Zaidan Muhammad Fuad Naelati Tubastuvi Naelati Tubastuvi Nawalin Nazah Nirvananda, Anandita Nur Apni Wulandari Nurfiani, Aisah Nurul Nur Aeni Petra, Dany Nofrizal Pradana, Arkan Ananta Pradhipta, Yudhistira Pratami, Naturi Diah Purnadi Purnadi Purnadi, Purnadi Qory Diana Lita Ragil Danu Saputra Rahmawati, Ika Yustina Refaldy Barry Saputra Restu Frida Utami Retnaningrum, Maharani Reza Dwi Fauzhi Rifka Utami Arofah Sahulata, Hanastasya Salsabilla, Syaefa Intan Sasongko, Karin Maharani Shabrina Zusryn, Alyta Shukriah Saad Siti Kholifah Siti Syaqilah Hambali Suyoto Suyoto Suyoto Suyoto Suyoto Syaefa Intan Salsabilla syafa’at, Faizal Tiarto, Ahlan Gema Tri Septin Muji Rahayu, Tri Septin Wida Purwidianti Wida Purwidianti Widyaningtyas, Dian Wulan, Zani Nawang Yustina Rahmawati, Ika Zaen, Mudrikah Zahra, Hakimatuz Zulfa Putri Kasuwardani Zulfa Suhailah Zulfikar Ali Ahmad Zulfikri, Moh. Danar