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All Journal Jurnal Penelitian Ekonomi dan Bisnis JURNAL ILMU EKONOMI & SOSIAL Jurnal Maneksi (Management Ekonomi Dan Akuntansi) JURNAL MEDIA INFORMATIKA BUDIDARMA OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Literacy : International Scientific Journals of Social, Education, Humanities Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Agus Prayitno
Universitas Dian Nuswantoro
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Loan Disburesement, Non – Performing Loan (NPL), dan Current Account Saving Account (CASA) Rasio Terhadap Profitabilitas Bank Himbara dan Bank Asing Ghefira Nida Aulia; Maria Safitri; Agus Prayitno; Diana Puspitasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 8 (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.v7i8.11998

Abstract

This study aims to determine the effect of the amount of credit disbursed (Loan Disbursement) based on economic sectors, non-performing loans (NPL), current accounts - savings accounts (CASA) on the profitability of national banks and foreign banks operating in Indonesia. The approach used is descriptive quantitative research. The data sources used in this study come from financial reports and annual reports in the banking sector. The collected data were analyzed using IBM SPSS Statistics 26 statistical software by looking at descriptive statistical tests, classical assumption tests and multiple regression analysis. The results of the study prove that only credit disbursement in the service and business sectors has a positive and significant effect on ROA, while credit disbursement in the construction, trade, and agriculture sectors has a positive but insignificant effect, and credit disbursement in the mining sector has a negative and insignificant effect. NPL has a negative but insignificant effect on ROA, while CASA has a positive and significant effect on ROA. This study confirms that bank profitability is not only determined by the volume of credit disbursement and asset quality, but is also greatly influenced by the efficiency of the funding structure as reflected in the large proportion of CASA funds. Therefore, a banking strategy focused on quality credit growth in productive sectors, consistent NPL control, and increasing the proportion of CASA funds are key factors in strengthening banking financial performance in the long term.
FLEXIBLE WORKING ARRANGEMENT, WORK LIFE BALANCE, DAN KEPUASAN KERJA TERHADAP KINERJA DRIVER GOJEK DI SEMARANG Nabila Zahra Silminisa; Aris Puji Purwatiningsih; Agus Prayitno; Sih Darmi Astuti
OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol 10 No 1 (2025): OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Universitas Pasundan

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Abstract

This study aims to analyze the effect of Flexible Working Arrangement, Work Life Balance, and Job Satisfaction on Gojek driver performance in Semarang City. This study uses a quantitative approach with data collection through questionnaires distributed to active Gojek drivers. The results showed that Flexible Working Arrangement, Work Life Balance, and Job Satisfaction have a positive effect on improving driver performance, both partially and simultaneously. This finding indicates that optimal management of these three variables can encourage drivers to work more productively, loyally, and professionally. This study illustrates that the success of driver performance can be improved through support for work flexibility, work life balance, and satisfaction in their work. Gojek drivers are advised to manage their working hours flexibly but in a structured manner in order to maintain a good work-life balance. Further research is needed to examine other factors that may affect driver performance, such as burnout, work motivation, rewards, and employment insurance.
PENGARUH LITERASI KEUANGAN DAN SOCIAL MEDIA EXPOSURE TERHADAP KEPUTUSAN INVESTASI CRYPTOCURRENCY DI INDONESIA DENGAN CONFIDENCE SEBAGAI MEDIASI Aji Kurniawan; Agus Prayitno; Dwi Eko Waluyo; Suhita Whini Setyahuni
Jurnal Maneksi Vol. 15 No. 3 (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.v15i3.3995

Abstract

Introduction: This study aims to explore the effect of financial literacy and social media exposure on cryptocurrency investment decisions among Generation Z in Indonesia, with confidence serving as a mediating variable.Methods: This research applies a quantitative approach with an explanatory design. Data were collected via online questionnaires from 121 Generation Z respondents in Indonesia who have experience or interest in cryptocurrency investments, selected using purposive sampling. The data were then analyzed through Structural Equation Modeling based on Partial Least Squares (PLS-SEM) using SmartPLS software.Results: The statistical results indicate that both financial literacy and social media exposure have a positive and significant direct effect on cryptocurrency investment decisions. Furthermore, both independent variables significantly influence the formation of investors' confidence. In terms of mediation, confidence is proven to have a positive and significant effect on investment decisions and acts as a significant partial mediator in bridging financial literacy and social media exposure toward cryptocurrency investment decisions.Conclusion and suggestion: These findings suggest that investment choices in digital assets are shaped by an interaction of cognitive capacity, digital information environments, and psychological mechanisms as outlined in Behavioral Finance Theory. Future research is suggested to expand the respondent scope and incorporate other behavioral biases such as herding behavior or fear of missing out (FOMO). Keywords: Confidence, Financial Literacy, Investment Decision, Social Media Exposure, Generation Z
Co-Authors Agus Triyono Ahmad Zainal Fanani Aji Kurniawan Amalia Nur Chasanah Ariati Anomsari Aris Puji Purwatiningsih Bara Zaretta Bara Zaretta Di Astuti Wulandari Diana Puspitasari Dwi Eko Waluyo Fina Putri Handayani Ghefira Nida Aulia Guruh Fajar Shidiq Kusni Ingsih M. Arief Soeleman Maria Safitri Mila Sartika Nabila Zahra Silminisa Naily Fithri Karima Nindia Salsha Noveka Nisrina Hesi Rahmaningtyas Pingkan Mulyani Puji Rahman Sih Darmi Astuti Siska Dwi Nuryanti Suhita Whini Setyahuni Vicky Oktavia Yolanda Dwi Ana Fitri