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All Journal Jurnal Manajemen Bisnis Indonesian Journal of Business and Entrepreneurship (IJBE) EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Pendas : Jurnah Ilmiah Pendidikan Dasar Owner : Riset dan Jurnal Akuntansi BULETIN AL-RIBAATH JURNAL PRODUKTIVITAS J-Dinamika: Jurnal Pengabdian Kepada Masyarakat JURNAL PENDIDIKAN MIPA Reviu Akuntansi dan Bisnis Indonesia Jurnal Inovasi Pengabdian Masyarakat Pendidikan JURNAL ECONOMINA Economics and Business Journal ARMADA : Jurnal Penelitian Multidisiplin Jurnal Sadewa: Publikasi Ilmu Pendidikan, Pembelajaran dan Ilmu Sosial IIJSE Advances in Economics & Financial Studies IECON: International Economics and Business Conference JESH: Journal of Economics, Social, and Humanities
Heni Safitri
Universitas Muhammadiyah Pontianak
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The Influence of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, Financial Well-Being, and Impulsive Buying on Saving Behavior Among Working People in Kubu Raya Regency Lisa Amalia; Dedi Hariyanto; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7098

Abstract

This study aims to determine the influence of financial knowledge, financial attitudes, financial self-efficacy, financial well-being, and impulsive buying on the saving behavior of people working in Kubu Raya Regency. This study uses a causal associative method. This study used a sample of 150 respondents with a purposive sampling technique. The correlation coefficient was 0.786, indicating a strong correlation between financial knowledge, financial attitude, financial self-efficacy, and impulsive buying on saving behavior. The coefficient of determination shows a value of 0.618, meaning that 61.8% indicates that saving behavior is influenced by financial knowledge, financial attitude, financial self-efficacy, and impulsive buying, while 38.2% is attributed to other variables not examined in this study. The results of the simultaneous test show that financial knowledge, financial attitude, financial self-efficacy, financial well-being, and impulsive buying have a simultaneous effect on the savings behavior of people working in Kubu Raya Regency. The partial test results show that the variables financial knowledge, financial attitude, financial self-efficacy, and financial well-being have a positive and significant effect on savings behavior, while impulsive buying does not have a significant effect on savings behavior.
The Effect of Financial Literacy, Lifestyle, and Use of M-Banking on Financial Management Moderated by Socioeconomic Status Among Millennials in Pontianak City Ananda Shalsa Qirani; Heni Safitri; Dedi Hariyanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7118

Abstract

This study aims to analyze and explain the influence of financial literacy, lifestyle, and use of M-Banking on financial management, considering socioeconomic status as a moderating variable among millennials in Pontianak City. This study uses a quantitative approach with an associative research design, and data collection was conducted through the distribution of questionnaires to 150 respondents who met the purposive sampling criteria. Data analysis was performed through validity and reliability tests, classical assumption tests, as well as multiple linear regression and Moderated Regression Analysis (MRA) to determine the role of socioeconomic status as a moderating variable. The results indicate that, partially, financial literacy and use M-Banking have a positive and significant influence on millennials' financial management. Conversely, lifestyle does not show a statistically significant influence. Simultaneously, the three independent variables were found to have a significant effect on financial management. In addition, socioeconomic status was found to moderate the effect of financial literacy on financial management, but did not moderate the effect of lifestyle or use M-Banking. The coefficient of determination (R²) value of 79.7% indicates that the variation in financial management in this model can be explained by the combination of variables used, while the rest is influenced by factors outside the model.
The Influence of Financial Literacy, Mobile Banking, and Financial Management on the Financial Performance of MSMEs in Melawi Regency Tria Ardika; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.8470

Abstract

Banking and Financial Management on the Financial Performance of Micro, Small, and Medium Enterprises (MSMEs) in Melawi Regency. This research uses a quantitative approach with survey methods to collect data from MSME owners in the area. The focus of the research is to explain and identify the association between financial literacy, use of Mobile Banking services, financial management, and financial performance of MSMEs.Data was collected through questionnaires distributed to selected samples of MSME owners in Melawi Regency. Regression analysis is used to evaluate the extent to which financial literacy, mobile banking, and financial management variables can explain variations in MSME financial performance. The research results are expected to contribute to understanding the impact of financial literacy, use of Mobile Banking, and financial management on the financial performance of MSMEs. It is hoped that these findings will provide valuable information for business people, financial institutions and local governments in designing more effective MSME development strategies in Melawi Regency. This research confirms that financial literacy, mobile banking and financial management have an important role in supporting the growth and sustainability of MSMEs, with the implication that increasing financial understanding and adaptation to banking technology can improve the financial performance of MSMEs at the local level.
The Influence of Financial Management, Risk Perception, and Perceived Investment Return on Stock Investment Decisions among Investors in Pontianak Dea Sri Rahayu; Dedi Hariyanto; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study investigates whether financial management, risk perception, and perceived investment return affect stock investment decisions among 150 individual investors in Pontianak City. Data were collected via structured questionnaires and analyzed using multiple linear regression after passing validity, reliability, and classical assumption tests. The model produced Y = 1.015 + 0.115X1 + 0.221X2 + 0.386X3 with a strong correlation (R = 0.712) and a determination level of R² = 0.507, indicating that 50.7% of the variance in investment decisions is explained by the three predictors. The F-test (p < 0.001) shows a joint significant effect. Partially, all variables have positive and significant effects: financial management (t=2.162; p=0.032), risk perception (t=3.192; p=0.002), and perceived return (t=6.515; p<0.001), with perceived return as the dominant predictor. The findings imply that rational stock decisions are shaped not only by expected profit but also by investors’ capability to manage personal finances and assess risk. Practical recommendations include strengthening financial literacy, emphasizing risk-return trade-off education, and encouraging disciplined portfolio management.
The Effect of Cash Ratio, Debt to Equity Ratio, and Total Asset Turnover on Profit Growth with Firm Size as a Moderating Variable in Financial Sector Companies Listed on the Indonesia Stock Exchange (2022–2024) Ridwansyah Ridwansyah; Heni Safitri; Dedi Hariyanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the effect of Cash Ratio (CR), Debt to Equity Ratio (DER), and Total Asset Turnover (TATO) on Profit Growth, with Firm Size as a moderating variable in financial sector companies listed on the Indonesia Stock Exchange (IDX) for the period 2022–2024. The research employs a quantitative associative method using Moderated Regression Analysis (MRA). The results indicate that, simultaneously, CR, DER, and TATO have a significant effect on profit growth. Partially, DER and TATO show a positive effect, while CR has a negative effect. After being moderated by firm size, the correlation coefficient (R) increased to 0.994 with an R² value of 0.989, indicating that firm size strengthens the relationship between financial ratios and profit growth. These findings suggest that maintaining a balanced level of liquidity, an optimal capital structure, and efficient asset utilization is essential for improving profitability. Future research is recommended to include additional variables such as Return on Assets (ROA), Good Corporate Governance (GCG), or dividend policy to provide a broader understanding of the determinants of profit growth.
PENGARUH MODEL PEMBELAJARAN RADEC (READ, ANSWER, DISCUSS, EXPLAIN, CREATE) TERHADAP KETERAMPILAN BERKOMUNIKASI DAN BERPIKIR TINGKAT TINGGI DALAM PEMBELAJARAN IPAS SEKOLAH DASAR Silvia Dwi Prastiwi; Rismita; Heni Safitri
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Public
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43819

Abstract

This study aims to determine the effect of the RADEC (Read, Answer, Discuss, Explain, and Create) learning model on communication and higher order thinking skills in elementary school science learning on energy transformation. This type of research is quantitative research. The method used in this study is a quasi-experimental design with a non-equivalent control group. The study population was 543 students with a sample of 66 students determined randomly purposive sampling. The data were analyzed using descriptive statistics, normality test, homogeneity test, and hypothesis test in the form of t-test with the help of SPSS versi 29 for windows program. Based on the results of the study on students communication skills, the average postest results of students in the experimental class were 81.15 after being given learning using the RADEC learning model, while in the control class it was 71.67 after being given learning using the lecture model. Meanwhile, based on the results of the study on students higher order thinking skills, the average postest results of students in the experimental class were 82.09 after being given learning using the RADEC learning model, while in the control class it was 71.09 after being given learning using the lecture model. Based on the results of the t-test on students communication skills, it is known that t count is 5.666>t table of 2.000. While the results of the t-test on students higher order thinking skills are known that t count is 3.900>t table of 2.000. Thus, it can be concluded that the RADEC (Read, Answer, Discuss, Explain, and Create) learning model has an influence on communication and high level thinking skills in elementary school science learning.
The Influence Of Financial Literacy, Financial Self-Efficacy, Financial Behavior Of Paylater Users In The Millennial Generation And Generation Z In Pontianak City Anisa Dinda Rizky; Heni Safitri; Dedi Hariyanto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 1 (2025): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i1.7700

Abstract

His research aims to determine whether financial literacy, financial self-efficacy, and financial stress influence the financial behavior of PayLater users among millennials and Generation Z in Pontianak City. Using a positive data collection strategy and a sample size of 150 participants, this study adopts an associative methodology. Eligible participants are Pontianak City residents aged 17–44 years and PayLater users. Statistical methods employed in the analysis include multiple linear regression, correlation and determination coefficients, simultaneous testing (F test), and partial testing (t test). The analyzed data is linear, normally distributed, and shows no signs of multicollinearity, as confirmed by the classical assumption test. The research variables exhibit a strong relationship, as indicated by a correlation value of 0.753. According to the coefficient of determination (R²), the variables examined in this study explain 56.7% of the variance in financial behavior, while the remaining 43.3% is influenced by other factors not addressed in this study. Preliminary findings indicate that financial literacy and financial self-efficacy significantly influence financial behavior positively. In contrast, financial stress has a positive effect but is not statistically significant in influencing financial behavior.
The Effect of Financial Literacy, Financial Attitude, and Digital Transaction Adoption on MSME Financial Management in the F&B Sector in Pontianak Salsa Seprilla Rizki; Heni Safitri; Dedi Hariyanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

Abstract This study aims to analyze the effect of financial literacy, financial attitude, and digital transaction adoption on the financial management of micro, small, and medium enterprises (MSMEs) in the food and beverage (F&B) sector in Pontianak City. This study employs a quantitative approach with an associative research design. The sampling technique used is purposive sampling, involving 150 MSME owners as respondents. Primary data were collected through a questionnaire using a five-point Likert scale and were analyzed using multiple linear regression after passing validity, reliability, and classical assumption tests. The results show that financial literacy has a positive and significant effect on MSME financial management, financial attitude has a positive and significant effect, and digital transaction adoption also has a positive and significant effect. Simultaneously, the three independent variables have a significant effect on MSME financial management. The correlation coefficient indicates a strong relationship (R = 0.722) with a coefficient of determination of 0.521, meaning that 52.1% of the variation in MSME financial management can be explained by financial literacy, financial attitude, and digital transaction adoption, while the remainder is influenced by other factors outside the research model. These findings emphasize the importance of improving financial literacy and financial attitude as well as utilizing digital transactions in supporting more effective and sustainable financial management for F&B MSMEs.
The Effect of Financial Knowledge, Financial Self-Efficacy, Lifestyle, and Financial Attitude on Household Financial Management Behavior among Housewives in Kubu Raya Regency Dessi Aprilyani; Heni Safitri; Dedi Hariyanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to examine the effect of financial knowledge, financial self-efficacy, lifestyle, and financial attitude on household financial management behavior among housewives in Kubu Raya Regency. This study uses a causal associative method. The population in this study consists of all housewives residing in Kubu Raya Regency, with a sample of 150 respondents determined using purposive sampling. Based on the multiple linear regression analysis, the regression equation is obtained as follows: Y = 1.128 + 0.205X₁ + 0.238X₂ + 0.201X₃ + 0.135X₄. The correlation coefficient result shows a value of 0.708, indicating a strong relationship between financial knowledge, financial self-efficacy, lifestyle, and financial attitude on financial management behavior. The coefficient of determination shows a value of 0.501, meaning that financial management behavior is influenced by financial knowledge, financial self-efficacy, lifestyle, and financial attitude by 50.1%. The simultaneous test results indicate that financial knowledge, financial self-efficacy, lifestyle, and financial attitude jointly have a positive and significant effect on household financial management behavior among housewives in Kubu Raya Regency. The partial test results show that financial knowledge, financial self-efficacy, lifestyle, and financial attitude each have a positive and significant effect on financial management behavior.
The Effect of Current Ratio, Return on Assets, Net Profit Margin, and Return on Equity on Firm Value with Earnings per Share as a Moderating Variable in Consumer Non-Cyclicals Sector Companies Listed on the Indonesia Stock Exchange Mega Rizki Hasanawati; Dedi Hariyanto; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study examines the effect of the Current Ratio (CR), Return on Assets (ROA), Net Profit Margin (NPM), and Return on Equity (ROE) on firm value, proxied by Price to Book Value (PBV), and investigates the moderating role of Earnings per Share (EPS) in consumer non-cyclicals sector companies listed on the Indonesia Stock Exchange. The study is motivated by the observation that firms in defensive sectors do not consistently experience higher market valuation, indicating that financial performance indicators may be interpreted selectively by investors. A quantitative associative approach was employed using secondary data obtained through documentation of audited annual financial statements and market data for the 2021–2023 period. The sample was selected using purposive sampling, resulting in 84 companies with 252 firm-year observations. Data were analyzed using classical assumption tests and Moderated Regression Analysis (MRA). The results show that CR and ROA have a negative and significant effect on PBV, while ROE has a positive and significant effect; NPM does not exhibit a significant effect. Furthermore, EPS has a significant direct effect on firm value and moderates the relationships between ROA and PBV as well as ROE and PBV, but does not moderate the effects of CR and NPM on PBV. These findings indicate that firm valuation in the consumer non-cyclicals sector is more sensitive to specific profitability indicators and earnings per share conditions than to liquidity and sales margin measures. Future studies are encouraged to include control variables such as firm size, leverage, and growth to enhance model robustness.
Co-Authors Aam Amrulloh Afriani Ali Yusuf Altikari Ambo Anas Ananda Shalsa Qirani Andika Fahruzzi Anggi Berlian Safitri Anisa Dinda Rizky Aprianti, Rika Aris Sanjaya Bayu Adi Wijaya Chandra Purna Irawan Cindyros Cindyros Dea Sri Rahayu Dedi Hariyanto Dedi Haryanto Dessi Aprilyani Devi Yasmin Deviyanti Deviyanti Dwi Desi Wulansari Edy Suryadi Edy Suryadi Eka Fitryani Elsa Mayangsari Equeza Ermulyawati Faaiza Soraya Khalida Fadhilah, Raudhatul Fajar Arwadi Fienda Putri Galih Puji Widodo Giriati Giriati Habbija Vichandra Heru Niurmiaswari Irena Aprilia Istifani Sucimanah Iza Zakiah Balqis Jestica Arifani Dilla Hardanti Kristina Hesti Hesti Kurnyanti Bela Laksmi Dewi Leni Suharni Lisa Amalia Mahardika Agung Madepo Maulida Maulida Maulidya Syafira Mega Rizki Hasanawati Miea Sari Muhammad Faturinaldi Mustaruddin Mustaruddin Mustika Mustika Nada Wulantika Nadiyyah, Khoirotun Nia Aprianti Nirmalasari Nirmalasari Nur Hikmah Okka Andy Cahyono Pebriyanti Rian Sofiani Ridwansyah Ridwansyah Rismita Romi Ferdian Rudi Alfian Salsa Seprilla Rizki Samsul Bahari Sarinah Sarinah Selly Septiana Silvia Dwi Prastiwi Siti Khatijah Sofi Zulfarida Sukhesy Eka Putri Supeno Supeno Syifa Azizah Tassha Eddryawati Tiara Febria Tina Ardianti Titi Chandrawati Titin Hestri Pustika Tri Nanda Aulia Tria Ardika Tuti Purwoningsih Vebriani Vebriani Virani Mbere Wahyu Darmawan Wendy Widiasih Winda Sibleni Windi Craudia Windi Rati Fritiwi Yusawinur Barella Zakirman