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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Manajemen Terapan dan Keuangan Widya Cipta : Jurnal Sekretari dan Manajemen al-Uqud : Journal of Islamic Economics Indikator: Jurnal Ilmiah Manajemen & Bisnis DIJB (Diponegoro International Journal of Business) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal Mantik JAAF (Journal of Applied Accounting and Finance) Journal of Business, Management, and Accounting Community Engagement and Emergence Journal (CEEJ) Jurnal Ekobis : Ekonomi Bisnis & Manajemen International Journal Of Science, Technology & Management (IJSTM) Management and Accounting Expose Jurnal Ekonomi Action Research Literate (ARL) International Journal of Entrepreneurship, Business, and Creative Economy Neraca Manajemen, Akuntansi, dan Ekonomi Indonesian Journal of Banking and Financial Technology (FINTECH) Jurnal Ekonomi Bisnis dan Kewirausahaan
Ispriyahadi, Heri
Universitas Teknologi Muhammadiyah Jakarta
Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences 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 Mathematics Mechanical Engineering Social Sciences Transportation

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How Millennials Assess the Usability of E-Wallets Wati, Ina Kartika; Soma, A M; Ispriyahadi, Heri
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 13 No. 2: June 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v13i2.12526

Abstract

This study investigates the impact of internet and technological advancements on millennials (born between 1981 and 2000), particularly focusing on their adoption of digital payment systems, notably the DANA platform. It examines whether millennial satisfaction with digital payment services, amidst FOMO trends, influences their loyalty to the platform. This research utilizes quantitative methods and Smart PLS for analysis with 108 millennial participants, emphasizing gender distribution and age range. The results indicate a significant correlation between electronic satisfaction (E-satisfaction) and electronic loyalty (E-Loyalty) among users, suggesting that higher satisfaction leads to increased loyalty. These findings highlight the platform's sustainability amid evolving millennial behaviors and FOMO trends, offering valuable insights into consumer dynamics and digital payment platforms' success.
What Influences User Preferences in Digital Payment Systems? (A Comparative Analysis of E-Wallet in Indonesia) Wati, Ina Kartika; Soma, A Mukti; Ispriyahadi, Heri
International Journal of Entrepreneurship, Business and Creative Economy Vol. 4 No. 1 (2024): January
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v4i1.2033

Abstract

This research explores the growing internet usage and rapid advancements in information and communication technology. Indonesia has witnessed increased adoption of digital financial technology, particularly in the form of fintech and digital payment systems. It is crucial to differentiate the characteristics and advantages among Indonesia’s top three e-wallets: GoPay, OVO, and DANA. This study employs a comparative approach to analyze the relationship between user preferences and factors within GoPay, OVO, and DANA e-Wallets in the context of digital payment systems. Using a quantitative research approach and statistical verification. Data analysis employs SEM with the PLS method, involving 150 respondents whose results are compared across the platforms. The study finds that electronic service quality significantly impacts consumer loyalty and satisfaction across all three platforms. In GoPay and OVO, it notably influences satisfaction, but less so in DANA. Customer satisfaction mediate loyalty in GoPay and OVO but not in DANA. Responsiveness is a key component of e-wallet service excellence. Loyalty is influenced by referrals (GoPay and OVO), regular use (DANA), and pricing (DANA), whereas customer satisfaction (GoPay), pricing (DANA), and convenience (OVO) determine contentment. Limiting the study to three variables and three e-wallets may restrict the comprehensiveness of factors affecting consumer satisfaction and loyalty, potentially limiting the generalizability of findings to other digital payment platforms or market contexts. The novelty lies in the direct comparison of investigative outcomes among these three subjects within the context of digital payment systems, selecting high-value study indicators and advancing the prior research.
Analisis pengaruh struktur aktiva, manajemen hutang, dan manajemen piutang terhadap profitabilitas perusahaan Firnanti, Julita; Ispriyahadi, Heri; Sembiring, Edison Cholia
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 10 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (385.535 KB) | DOI: 10.32670/fairvalue.v4i10.1799

Abstract

The purpose of this study is to analyze the effect of asset structure, debt management, accounts receivable management on the profitability of tire companies listed on the BEI 2010-2020 and analyze the asset structure, debt management, and receivables management simultaneously on the profitability of tire companies listed on the BEI 2010 -2020. This study uses quantitative research methods because the data obtained in the form of numbers (numeric). The population used in this study are companies engaged in tire companies listed on the Indonesia Stock Exchange (IDX) since 2010-2020, totaling 4 companies. The technique for determining the sample in this research is using a purposive sampling technique. The results of this study are only receivable management (ARTO) which has a significant effect on the profitability of the tire company studied, while asset structure and debt management have no significant effect. Therefore, receivable management is the receivables turnover ratio which is the main variable in increasing the company's profitability.
Improving digital payment system services: The impact of e-service quality and e-Loyalty on user preferences Soma, AM; Wati, Ina Kartika; Ispriyahadi, Heri
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p302-313

Abstract

This research aims to provide deeper insights into user preferences and the factors influencing their choices in using Digital Payment Systems, particularly in the context of the DANA e-wallet as an alternative to BI-Fast during service improvement periods. The study focuses on key variables such as E-System Quality and E-Loyalty. The findings indicate that the constructs of E-Loyalty and E-Service Quality demonstrate high levels of validity and reliability, and there exists a significant relationship between electronic service quality and electronic loyalty. Data analysis also identifies specific dimensions of DANA e-wallet service quality that have a significant impact on user preferences and loyalty levels. Factors such as compensation, ease of link access, and ease of contacting customer service are aspects that need attention to enhance service quality. Thus, the research conclusion provides valuable guidance for other Digital Payment Systems owners or managers to improve their service quality and strengthen customer relationships, akin to what is done by DANA e-wallet. These findings offer valuable guidance for other e-wallet owners or managers to enhance their service quality, focusing on aspects such as compensation, link access convenience, and ease of contacting customer service. The importance of improving electronic service quality to achieve higher customer loyalty should be emphasized by stakeholders in the digital payment industry, with specific steps that can be taken based on these findings to strengthen customer relationships and maintain competitive advantages.
Pengaruh Corporate Governance, Pertumbuhan Perusahaan dan Kebijakan Hutang terhadap Kinerja Keuangan pada Perusahaan Sektor Teknologi yang Terdaftar di Bursa Efek Indonesia Periode 2017-2021 Jmy, Amzi; Ispriyahadi, Heri; Kholil, Kholil
Community Engagement and Emergence Journal (CEEJ) Vol. 6 No. 2 (2025): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v6i2.8587

Abstract

Penelitian ini bertujuan untuk menguji pengaruh corporate governance, pertumbuhan perusahaan, dan kebijakan hutang terhadap kinerja keuangan perusahaan sektor teknologi yang terdaftar di Bursa Efek Indonesia (BEI) pada periode 2017–2021. Penelitian ini menggunakan metode kuantitatif dengan pendekatan time series selama 5 tahun. Populasi dalam penelitian ini adalah seluruh perusahaan sektor teknologi yang diklasifikasikan berdasarkan IDX Industrial Classification (IDX-IC). Teknik pengambilan sampel menggunakan purposive sampling dan diperoleh 8 perusahaan dengan total 40 observasi. Data yang digunakan merupakan data sekunder yang bersumber dari laporan tahunan yang telah diaudit. Hasil penelitian menunjukkan bahwa kepemilikan institusional, kepemilikan manajerial, dan pertumbuhan perusahaan tidak berpengaruh signifikan terhadap kinerja keuangan. Sebaliknya, dewan komisaris independen berpengaruh signifikan terhadap kinerja keuangan. Kebijakan hutang juga tidak menunjukkan pengaruh signifikan. Namun, secara simultan, variabel kepemilikan institusional, kepemilikan manajerial, dewan komisaris independen, pertumbuhan perusahaan, dan kebijakan hutang berpengaruh secara signifikan terhadap kinerja keuangan dengan nilai F hitung 2,810 > F tabel 2,494 dan p-value 0,039 < 0,05. Dengan demikian, variabel-variabel tersebut secara bersama-sama memengaruhi kinerja keuangan perusahaan sektor teknologi di BEI.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN PERUSAHAAN TRANSPORTASI YANG TERDAFTAR DI BURSA EFEK INDONESIA Rahmawati, Fitri; Ispriyahadi, Heri; Abdullah, Syahfirin
Action Research Literate Vol. 7 No. 9 (2023): Action Research Literate
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/arl.v7i9.157

Abstract

PeneIitian ini bertujuan untuk menganaIisis faktor-faktor yang mempengaruhi kinerja keuangan perusahaan transportasi yang terdaftar di Bursa Efek Indonesia. Faktor-faktor yang mempengaruhi kinerja keuangan perusahaan meIiputi Iikuiditas, soIvabiIitas, dan aktivitas. Kinerja keuangan perusahaan yang diproksi dengan Return On Invesment (ROI) berfungsi sebagai variabeI dependen. SampeI dipiIih menggunakan metode purposive sampIing dari 46 perusahaan transportasi yang terdaftar di Bursa Efek Indonesia seIama periode tahun 2011-2020, sehingga diperoIeh 60 sampeI dengan menggunakan 10 tahun data laporan keuangan perusahaan transportasi yang menjadi sampel penelitian. AnaIisis data diIakukan dengan menggunakan anaIisis regresi Iinear berganda dan uji pair t test yang dioIah menggunakan program SPSS versi 26. HasiI peneIitian ini menunjukkan bahwa Iikuiditas yang diukur dengan current ratio berpengaruh negatif signifikan terhadap kinerja keuangan dimana pengkuran kinerja keuangan perusahaan menggunakan return on investment sebagai variabelnya. SoIvabiIitas yang diukur dengan debt to equity ratio berpengaruh negatif signifikan kinerja keuangan. Aktivitas yang diukur dengan totaI asset turnover berpengaruh positif dan signifikan terhadap kinerja keuangan. VariabeI Iikuiditas, soIvabiIitas, aktivitas berpengaruh simuItan terhadap kinerja keuangan perusahaan. Dan variabeI kinerja keuangan terhadap perusahaan transportasi yang terdaftar di BEI seIama pandemi covid-19 berbeda namun tidak signifikan sebeIum dan saat pandemi covid-19.
Unlocking Sustainability in Informal Micro Enterprises: Capital Access in The Fintech Era Ispriyahadi, Heri; Zaenudin, Zaenudin; Wati, Lela Nurlaela
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 2 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i2.46421

Abstract

Research Originality: This study offers a unique exploration of how capital access mediates the impact of financial literacy and fintech peer-to-peer (P2P) lending on the sustainability of micro and small enterprises (MSEs) in traditional markets, utilizing SDG-based indicators. Research Object: This study examines the effects of financial literacy and fintech P2P lending on capital access and sustainability of MSEs in traditional markets. Research Methods: The study employed a quantitative approach, utilizing Structural Equation Modeling analysis, using 232 MSEs in Jakarta. Empirical Results: The findings indicate that financial literacy and fintech P2P lending have a positive impact on both capital access and the sustainability of MSEs. However, capital access did not significantly affect the sustainability of MSE or mediate either factor. Implications: The Financial Services Authority (OJK) must enhance legislation protecting MSEs from fintech risks and promote financial literacy. The OJK must coordinate P2P platforms, cooperatives, and MSE offices. Creating an inclusive fintech ecosystem for traditional market MSEs, with microloans and mentorship, is essential for viable financing. JEL Classification: G21, G53, L26, O16, Q01 How to Cite:Ispriyahadi, H., Zaenudin, Wati, L. N. (2025). Unlocking Sustainability in Informal Micro Enterprises: Capital Access in the Fintech Era. Signifikan: Jurnal Ilmu Ekonomi, 14(2), 467-488. https://doi.org/10.15408/sjie.v14i2.46421.
The Influence of Financial Literacy Level, Perception of Return and Technological Progress on Investment Interest of Millennial Generation in Central Jakarta Fajar Riyadi Syawaluddin; Heri Ispriyahadi
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 4 (2023): October 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i4.6248

Abstract

Capital markets play a significant role in enhancing a country's economic development, as well as national development. The millennial generation is expected to be the leader of growth in the economic field. This research uses quantitative methodology with the Partial Least Square Technique approach to test data instruments. The sample size was determined using Hair's formula. The research findings show that financial literacy has a positive and significant effect on millennials' investment interest, while perceived returns and technological advances have no significant effect on millennials' investment interest. The results of this study can be utilized by agencies and the government can work with the financial industry to help millennials understand investment work and help millennials understand financial concepts.
The Effect of Corporate Governance, Company Growth and Debt Policy on Financial Performance in Technology Sector Companies Listed on the Indonesian Stock Exchange For the Period 2017-2021 Y, Amzi J.M.; Ispriyahadi, Heri; Kholil, Kholil
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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

Abstract

Good Corporate Governance constitutes a framework that positively influences a company's financial performance. This research aims to ascertain and analyze the impact of Corporate Governance, company growth, and debt policy on technology sector companies listed on the Indonesia Stock Exchange from 2017 to 2021. The research utilizes secondary data extracted from annual reports accessible on the IDX website via www.idx.co.id covering a five-year period (2017-2021). Statistical analysis is conducted employing SPSS Version 25.0. Hypothesis testing is carried out using the F test and T test. Partial results indicate that the independent board of commissioners (DKI) and company growth (PP) significantly affect financial performance (ROA) among companies listed on the IDX during 2017-2021. Conversely, institutional ownership (KI), managerial ownership (KM), and debt policy (DER) demonstrate no significant impact on financial performance (ROA) within the same companies and period. Thus, it is advisable for companies to sustain and enhance their financial performance to achieve profitable outcomes, involving all stakeholders in the process.
Co-Authors Abdullah, Syahfirin Ali Mumdin Ari Yulianto Budi Irian Budiman Abdulah Ekayana S. Paranita Ekayana S. Paranita Ekayana S. Paranita Fajar Riyadi Syawaluddin Firnanti, Julita Fitri Rahmawati Grace Aprilia Uli Putri Herni Ali Herry Zulfan I Ismiyatun Iik Jakataofik Iik Jakataofik Ina Kartika Wati Ina Kartika Wati Jakataofik, Iik Jmy, Amzi Kholil Kholil Kohar Sulistyadi Mira Septiani Nafiah Ariyani, Nafiah Nafiah Aryani Nourma Juwita Paranita, Ekayana S. Prawiniko Sugistianto Raysa Trierdianto Saepujaman Saepujaman Saepujaman, Saepujaman Sembiring, Edison Cholia Soma, A M Soma, A Mukti Soma, AM Tenang Ribowo Verdian Verdian Warsono, . . Wati, Ina Kartika Wati, Lela Nurlaela Winny Hosea Y, Amzi J.M. Zaenudin Zaenudin