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All Journal MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN e-CliniC Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen Atma Jaya Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Journal of Consumer Science PROSIDING SEMINAR NASIONAL CENDEKIAWAN Jurnal Manajemen & Keuangan Widya Cipta : Jurnal Sekretari dan Manajemen Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Riset Akuntansi dan Keuangan Jurnal Inovasi Bisnis (Inovbiz) Jurnal Organisasi Dan Manajemen Distribusi SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi At-Tadbir : jurnal ilmiah manajemen Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal YUME : Journal of Management Almana : Jurnal Manajemen dan Bisnis International Journal of Applied Business Research Referensi : Jurnal Ilmu Manajemen dan Akuntansi EKUITAS (Jurnal Ekonomi dan Keuangan) Ekonomi dan Bisnis JURNAL ILMIAH BISNIS, PASAR MODAL DAN UMKM MABIS: Manajemen dan Bisnis Jemasi Jurnal Ekonomi Manajemen dan Akuntansi Jurnal Administrasi dan Manajemen Business Innovation and Entrepreneurship Journal Jurnal Ilmiah Poli Bisnis JURNAL MANAJEMEN MANAJEMEN DEWANTARA Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) International Journal of Economics, Business and Accounting Research (IJEBAR) Performance : Jurnal Bisnis dan Akuntansi Dialektika: Jurnal Ekonomi dan Ilmu Sosial Business Management Journal Program Studi Manajemen Journal of Global Business and Management Review Prosiding National Conference for Community Service Project JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Inovasi Ekonomi BERNAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian kepada Masyarakat Nusantara Economics and Digital Business Review Annals of Management and Organization Research Journal of Judicial Review Jurnal Ekonomi Efektif Studi Ilmu Manajemen dan Organisasi Jurnal Akuntansi dan Keuangan (JAK) Asian Management and Business Review Implementasi Manajemen & Kewirausahaan Jurnal Ilmu Manajemen Advantage Jurnal Manajemen JWM (JURNAL WAWASAN MANAJEMEN) SWARNA Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Business Studies and Management Review Jurnal Manajemen USNI Jurnal For Management Student (JFMS) Jurnal Indonesia Sosial Teknologi PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Eastasouth Journal of Effective Community Services Jurnal Nusantara Berbakti MDP Student Conference Jurnal Keuangan dan Bisnis Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Conference on Community Engagement Project (Concept) Sinolingua GEMBIRA (Pengabdian Kepada Masyarakat) Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat SWARNA: Jurnal Pengabdian Kepada Masyarakat Karya Nyata: Jurnal Pengabdian Kepada Masyarakat Pemberdayaan Masyarakat: Jurnal Aksi Sosial Alamtana Journal of Business and Information System Jurnal Ilmiah Manajemen Dan Kewirausahaan Jurnal Ilmu Manajemen Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Candy Candy
Universitas Internasional Batam
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RATIONAL CHOICE THEORY: GREEN BANKING PRACTICES FOCUSED Fendy Cuandra; Ivan Jones; Candy; Egabetha Amirah Yudhaputri; Stefhani Susanto
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 9 No 2 (2025): June
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2025.v9.i2.7169

Abstract

Banks as economic drivers in their own country have a high influence on encouraging environmentally friendly practices. It is due to the increasing damage to the environment in Indonesia. Before the 2010s, banks did not have enough awareness to carry out environmentally friendly practices included in their operational activities. In Indonesia, the government started to enforce green banking rules in 2012. Indonesia initiated green banking practices, which reached their peak in 2020 during the COVID-19 pandemic. This study examines whether customers have understood the growth of green banking practices in Indonesia, the effects of banks' environmentally friendly practices on the loyalty of commercial bank customers, and whether awareness and knowledge of banks' green practices will have an impact on loyalty towards banks. This study examines the importance of implementing green banking due to the increasing awareness and high level of customer knowledge about the environment. This research is the first to be conducted in Batam City, examining green banking through the lens of the grand theory of rational choice. The rational choice theory will serve as the novelty for this research. Also, the green trust variable mediating green banking awareness and green banking knowledge affecting green banking loyalty will serve as the novelty of this research.
Green Finance Adoption: Unravelling The Behavioral Intention of Bank Employees in Batam Moderated By Internal Measures Johny Budiman; Angelica Vivian Chrysti; Candy
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 2 (2025): JABM Vol. 11 No. 2, May 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.2.575

Abstract

Background: Banks are adapting their strategies to align with environmental sustainability through green finance. In Indonesia, green finance is gaining attention, but challenges like inadequate employee attitudes have hindered its progress towards green finance. Purpose: This research aims to understand bank employee’s behavioral intentions as promoters in implementing green finance by examining the impact of attitude, self-efficacy, subjective norms, and behavior control based on the theory of planned behavior, as well as testing whether internal measures moderate the relationship between independent and dependent variables. Design/methodology/approach: This research uses a quantitative approach with a sample of 250 bank employees in Batam, Indonesia. Data were collected via Google Forms from October 16, 2023, to March 6, 2024, and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings/Result: The study found that attitude, subjective norms, and behavioral control significantly impact bank employees' behavioral intentions in Batam City, while self-efficacy does not. Additionally, internal measures do not moderate the influence of attitude, self-efficacy, subjective norms, and perceived behavioral control on behavioral intention.Conclusion: This study explores how attitudes, self-efficacy, subjective norms, and perceived behavioral control influence bank employees' intentions to adopt green finance, moderated by internal measures, using the Theory of Planned Behavior. Understanding these factors can guide the banking sector in supporting the Sustainable Development Goals and achieving the 2030 Agenda.Originality/Value (State of The Art): While research on green finance in Indonesia’s banking sector is growing, studies on Batam City are limited. Given Batam's strategic economic role, understanding local banks' adoption of green finance is essential. This study explores the attitudes, behaviors, and challenges of bank employees in Batam, offering insights into the factors influencing green finance adoption in the region. Keywords: bank, behavioral intention, green finance, internal measures, theory of planned behavior
Foreign Direct Investment in Indonesia and Its Macroeconomic Dynamics Candy Candy; Charles Ng; Isnaini Nuzula Agustin
Studi Ilmu Manajemen dan Organisasi Vol 6 No 4 (2026): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v6i4.6175

Abstract

Purpose: This study investigates the effects of exchange rates, interest rates, human capital, and Gross Domestic Product (GDP) on Foreign Direct Investment (FDI) inflows in Indonesia in both the short and long run. Research Methodology: This study employs secondary monthly time-series data from January 2014 to June 2024 and Applies the Autoregressive Distributed Lag (ARDL) approach to examine the dynamic relationships among variables. The analysis was conducted using EViews 12, supported by stability tests and multicollinearity diagnostics. Results: The ARDL bounds test confirms the existence of a stable long-run cointegrating relationship among the variables. The estimation results show that GDP has a positive and statistically significant effect on FDI in both the short and long run. In contrast, the exchange rate, interest rate, and human capital do not exhibit statistically significant effects on FDI in either period. Model stability tests indicate that the ARDL specification is structurally stable, although a relatively high degree of multicollinearity is observed between human capital and GDP. Conclusions: The findings indicate that Foreign Direct Investment (FDI) inflows in Indonesia are primarily driven by economic growth, as reflected by Gross Domestic Product (GDP), while other macroeconomic variables play a limited direct role. Limitations: This study was limited by multicollinearity issues and the use of a relatively narrow set of macroeconomic variables. Contributions: This study provides empirical evidence on the determinants of FDI in Indonesia using the ARDL framework and offers policy-relevant insights emphasizing growth-oriented investment strategies.
Effect of E-Money on Consumptive Behavior of the Batam Community Candy Candy; Keyi Sylvia Tania; Soveinia Soveinia; Winny Stevania
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol. 7 No. 3 (2022): JPIM (Jurnal Penelitian Ilmu Manajemen)
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jpim.v7i3.1111

Abstract

Humans have 3 kinds of needs that must be met to survive, namely primary, secondary and tertiary. Apart from basic needs, a person sometimes cannot control himself, resulting in a purchase without a long consideration based on a desire which is called consumptive behavior. This behavior is again supported by technological developments, where e-money is present as an electronic payment tool. E-money that presents features that are easy, convenient and safe so that there is an increase in its use in the community. The purpose of this study was to measure the relationship of e-money users to consumptive behavior in Batam society. There are significant positive relationship between the use of e-money and consumptive behavior of the Batam community.
Cryptocurrency investment intentions of generation Z Yulfiswandi; Kenrick; Candy
Journal of Business and Information Systems (e-ISSN: 2685-2543) Vol. 8 No. 1 (2026): Journal of Business and Information Systems
Publisher : Department of Accounting, Faculty of Business, Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jbis.v8i1.371

Abstract

This study aims to analyze the influence of financial literacy, perceived risk, facilitating conditions, and social influence on behavioral intention, with attitude as a mediating variable. The sample consisted of 430 Generation Z respondents from Batam City, selected via convenience sampling, and the data were analyzed using Structural Equation Modeling (SEM) in SmartPLS. The results showed that financial literacy and social influence had a significant positive effect on attitude, whereas facilitating conditions had a significant positive effect on attitude but not on behavioral intention, and perceived risk did not significantly influence attitude. Attitude was shown to have a strong positive influence on behavioral intention. Financial literacy and social influence also had an indirect effect on behavioral intention through attitude, while perceived risk did not show a significant mediating effect. This study provides insight into the factors that influence behavioral intention and the important role of attitude as a mediating variable
三发市华人冬至节传统习俗概况 Candy, Candy; Shiela, Shiela
Sinolingua: Journal of Chinese Studies Vol 2, No 2 (2024): Sinolingua: Journal of Chinese Studies
Publisher : Faculty of Cultural Sciences, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/sinolingua.v2i2.89864

Abstract

The title of this study is “Overview of Traditional Customs of Chinese Winter Solstice Festival in Sambas City”. The winter solstice is a very important solar term in the lunar calendar, it is the 22nd of the 24 solar terms. The winter solstice is also a traditional festival. The Winter Solstice is generally celebrated on December 21st or 22nd of the lunar calendar. The winter solstice was once called “eating glunious rice balls” by Chinese Indonesians. The purpose of the research is to understand the customs and significance of the Sambas city Winter Solstice Festival and the differences between Sambas and Chinese Winter Solstice Festivals. The author chooses Sambas Chinese as the research object. The data collection method used in this article is interviews. It can be seen from the interview results that the Sambas Chinese still celebrate the Winter Solstice Festival, but many people do not understand the meaning, significance and customs of the Winter Solstice Festival. With the development of the times, many traditional customs have gradually changed, and some customs have even slowy disappeared.
PERBEDAAN NIAT BELI KONSUMEN FAST FASHION BERDASARKAN GENDER DI INDONESIA Aprilia Astuti; Candy Candy; Lady Lady
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 1 (2026): Edisi Januari - April 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i1.7017

Abstract

Penelitian ini dilakukan untuk mengkaji bagaimana brand image, perceived usefulness, perceived service quality, dan perceived value mempengaruhi purchase intention konsumen fast fashion internasional di Indonesia, serta mengeksplorasi perbedaan pengaruh tersebut berdasarkan gender. Konsumen di Indonesia, yang dipengaruhi oleh nilai-nilai budaya lokal, cenderung memiliki persepsi positif terhadap merek yang selaras dengan nilai tersebut sehingga mendorong niat pembelian yang lebih tinggi. Analisis menggunakan PLS-SEM (SmartPLS 3.0) dilakukan terhadap 400 responden pengguna fast fashion di Indonesia. Temuan penelitian mengindikasikan bahwa brand image serta perceived value mempengaruh positif dan signifikan dalam menentukan purchase intention pada semua kelompok responden. Perceived service quality hanya berpengaruh signifikan pada pria, sedangkan perceived usefulness tidak memberikan pengaruh signifikan pada seluruh kelompok. Temuan ini menegaskan bahwa persepsi merek dan nilai produk menjadi elemen krusial yang membentuk kecenderungan konsumen membeli. Selain itu, strategi pemasaran perlu disesuaikan dengan perbedaan gender, khususnya terkait aspek kualitas layanan. Penelitian ini berkontribusi penting terhadap pemahaman perilaku konsumen fast fashion di Indonesia dan pengembangan studi pemasaran lintas gender.
FINANCIAL WELL-BEING IN THE DIGITAL ERA : THE IMPACT OF DIGITAL KNOWLEDGE, FINANCIAL SKILLS AND FINTECH ADOPTION Candy Candy; Vivin Mayviana; Dewi Khornida Marheni
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 1 (2026): Edisi Januari - April 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i1.7274

Abstract

This study looks at how digital knowledge, financial knowledge, and financial skills affect financial well-being. It also considers how using FinTech tools can influence this relationship. The research involved a survey with 400 respondents in Indonesia, and the data was analyzed using a method called Partial Least Squares-Structural Equation Modeling (PLS-SEM) to understand both direct and indirect effects. The findings show that digital knowledge, financial knowledge, and financial skills all have a positive effect on financial well-being, and using FinTech can make these effects even stronger. The mediation analysis shows that using FinTech helps make the connection between these skills and financial well-being stronger by making it easier to access and use financial services. This study adds to existing research by combining digital literacy, financial knowledge, and technology use into one model, giving important insights into how financial well-being is affected during digital changes, especially in poorer countries. The findings imply that policymakers, educators, and FinTech developers should promote financial and digital literacy programs while designing accessible and inclusive financial technologies to foster better financial outcomes for society.
FINANCIAL BEHAVIOR AND FINANCIAL WELL-BEING AMONG WORKING STUDENTS Yandi Suprapto; Fiona Siah; Candy Candy
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 13, No 2 (2026): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v13i2.9263

Abstract

PURPOSE - This study examines the relationships between financial literacy, self-control, financial behavior, financial stress and financial well-being among working university students in Batam City. Prior research has shown inconsistent findings regarding how these variables relate to financial well-being. Specifically, this study investigates both direct and indirect effects through financial behavior as a mediator. This research also aims to identify which factors contribute most significantly to improving the financial well-being of working university students.METHODOLOGY - A quantitative approach with explanatory research was used in this study. Data were collected from 418 working university students in Batam City via an online questionnaire using purposive sampling with a 1-5 Likert scale. Data analysis was conducted using PLS-SEM.FINDING - The results reveal that financial literacy together with self-control shapes financial behavior. However, financial literacy and self-control exert no influence on financial well-being. Financial stress significantly and negatively harms financial well-being, while financial behavior shows no significance in influencing financial well-being. Furthermore, financial behavior fails to mediate the relationship between financial literacy and self-control on financial well-being. These findings suggest that reducing financial stress is more relevant. Therefore, institutions should prioritize reducing financial stress through providing direct support such as scholarships, affordable micro-loans and part-time job programs, rather than focusing solely on financial literacy education.
Co-Authors Ade Agustika Br Surbakti agustin, isnaini nuzula Albert Lee Alex Alex Alex Alex Aliandrina, Dessy Alice Alice Alice Alice Alzi Andita, Amelia Andre Steven Hutagaol Andrew Andrew Andryanto Andryanto Angelica Vivian Chrysti Angelina Goh Angelina Valensia Angeline Aurellia Anton Winardy Aprilia Astuti Apriliah, Lila Apriyadi, Riki Ati, Errina Brahmantya Chriswardhana Cahyani, Isty Rosy Calvina Hartanto Calystania, Verren Chandra Wijaya Charles Ng Cheristina, Cheristina Cindy Fransiska Cuandra, Fendy Darwin Darwin Dastin Dastin Dastin Dastin, Dastin Delfina Delfina Delfina, Delfina Dewi Khornida Marheni Dhifira Annisa Widyasari Eddy Oktarianto Egabetha Amirah Yudhaputri Elfan Wahyu Mulyana Eliya, Sartika Erick Erick Ernestine, Ernestine Estina Sativa Evelyn Loo Febrianti, Della Feby, Kristine Gladis Feronika Romadoni, Salsabilah Fiona Siah Freddy Freddy Hansen Can Harsali F. Lampus Hendra Wijaya Hendru Hendru Hendru, Hendru Hery Haryanto Hesniati, Hesniati Indra Novita Isnaini Nuzula Agustin Isnaini Nuzula Agustin Isty Rosy Cahyani Isty Rosy Cahyani Ivan Jones Ivander Lukito Jacelyin Jacelyin Jenny Jenny Jeslin Jeslin Jessica Novia Jessica Novia Jessica Valeria Jesslyn Jesslyn, Jesslyn Jimmy Tjong Joey Joey Jofia, Nurul Johny Budiman Johny Budiman Jolin, Jolin Joycelin Joycelin Joycelin, Joycelin Julia Rahayu Putri Julia Renaldi, Angelina Junestin Junestin Junita Junita Junita Junita Junita Junita Justyanita Justyanita Kellen Vincent Kelvin Kelvin Kelvin Kelvin Kelvin Kwek Kenrick Keyi Sylvia Tania Kristiani Kristiani Kristina Kristina Krisyadi, Robby Lady Lady Lady, Lady Larventy, Larventy Lay, Sevvie Prissy Lena Sepriani Lena Sepriani Liana, Jumi Licca, Vellia Lie, Kelvin Liu, Anastassia Joan Liu, Michelle Selvia Lu Sudirman Malino, Ahmad Esa Galang Marcelino Marcelino Marheni, Dewi Khornida Mayviana, Vivin Merlin Leona Michael Setiawan Michael Setiawan Michelle Angel Lim Michelle Selvia Liu Miftachul Choiri Nabilah, Cheisya Nainggolan, Ferdinand Novi Angelina Noviany, Ivana Metta Nurika Rama Nasya Oscar, Franky Priscillia, Viviona Priscillia, Viviona Putri, Deandra Emilya Putri, Dhamma Vicaya Putri, Fathir Suria Marika Putri, Shieny Tan Quinn, Fionna Rahmadani, Herisna Rahmatika, Tasha Renato, Rio Rio Renato Rizal Verandi Robin Robin Robin Robin Rudyanto Rudyanto Sabila, Chen Chen Aprilia Salim, Silvia Sandy Putra Saputra, Sabrandi P. Sari, Mentari Indah Selen Angelina Selina Phang Sephia Septiana Shellyna Shellyna Shelvi Shelvi Shelvi, Shelvi Sherlyn, Sherlyn Sherry Sherry Shiela, Shiela Sisca, Veni Soveinia Soveinia Stefhani Susanto Stephanie Stephanie Stewendy, Stewendy Suprapto, Yandi Syahputri, Dinda Rafika Tan, Ie Ling Teddy Ong Tony Chandra Tu, Michelle Nataline Verawati Vincent Vincent Vincent, Vincent Vira Vira Vira, Vira Vivian Vivian Vivin Mayviana Welen Welen Wendy Wijaya, Calvin Wijaya, Frendy Wilson Wilson Winny Lim Winny Stevania Wisnu Yuwono Wong, Elaine Wynne Lie Yandi Suprapto Yandi Suprapto Yeria, Winny Yodiputra, Jason Yopie, Santi Yulfiswandi, Yulfiswandi