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All Journal Jurnal Keuangan dan Perbankan Kinerja Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Wacana, Jurnal Sosial dan Humaniora Jurnal Manajemen dan Kewirausahaan (JMDK) Ekonomi Bisnis Asia-Pacific Management and Business Application AKRUAL: Jurnal Akuntansi Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Bisnis dan Manajemen Jurnal Ekonomi & Keuangan Islam Management and Economics Journal (MEC-J) EKUITAS (Jurnal Ekonomi dan Keuangan) Iqtishoduna: Jurnal Ekonomi Islam International Journal of Business Studies Jurnal Ilmiah Akuntansi Kesatuan Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Pengabdian Masyarakat Asia International Journal of Multidisciplinary: Applied Business and Education Research Asian Journal of Management Analytics Jurnal Management Risiko dan Keuangan International Journal of Business and Applied Economics (IJBAE) Journal Research of Social Science, Economics, and Management JURNAL ILMIAH GEMA PERENCANA Siber Journal of Advanced Multidisciplinary Jurnal Dinamika Manajemen
Nur Khusniyah Indrawati
Faculty Of Economics And Business, Universitas Brawijaya, Malang
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Social Sciences Other

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Profitability, Leverage, and Dividend Policy: Determinants of Stock Return Levels of Indonesian Banks Safitri, Niluh Santi; Indrawati, Nur Khusniyah; Champaca, Mychelia
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 4 (2025): JIAKES Edisi Agustus 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i4.3839

Abstract

The banking and financing sector plays a pivotal role in capital markets, where stock returns are influenced by internal financial indicators such as profitability and leverage. However, the role of dividend policy as a mediating mechanism remains debatable. This study aims to analyze the effect of profitability and leverage on stock returns, with dividend policy as a mediating variable, in bank and financing institution companies listed on the Indonesia Stock Exchange. Employing a quantitative approach, the study uses path analysis on 16 companies over the periods 2016–2019 and 2022–2023, totaling 96 observations. Profitability is measured by Return on Equity (ROE), leverage by Debt-to-Equity Ratio (DER), dividend policy by Dividend Payout Ratio (DPR), and stock returns by capital gains and dividend yield. The findings reveal that profitability and leverage significantly and positively influence both stock returns and dividend policy. Moreover, dividend policy significantly mediates these relationships but has a negative effect on stock returns. These results align with signaling and trade-off theories but contradict the bird in the hand theory. The study concludes that investors prioritize growth through retained earnings over cash dividends in this sector.
The Serial Mediation Role of Dividend Policy and Capital Structure in Relationship Between Financial Flexibility and Financial Performance Indrawati, Nur Khusniyah; Jazuli, A Muhamad; Suciati, Ranila; Alfathya, Atmaya Fitra
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 10 No. 2 (2025): September
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v10i2.6349

Abstract

This research aimed to investigate the serial mediation role of dividend policy and capital structure in the relationship between financial flexibility and financial performance. The population of this research consists of property and real estate companies listed on the Indonesia Stock Exchange (IDX) over the 13 years (2010 to 2022). Purposive sampling was used. Based on the determined criteria, six companies were chosen as the sample of this research. Data were collected from financial reports on the IDX website to obtain proxies for each variable used. The data analysis used descriptive and inferential statistics, including Path Analysis and the Sobel test, to examine mediation. The results show that of the 10 proposed hypotheses, four are not significant: financial flexibility does not significantly affect financial performance, either directly or through capital structure, or through the serial mediation of dividend policy and capital structure. Financial flexibility also does not directly affect capital structure. This provides empirical evidence that managing cash holdings alone, as a risk-free asset, is insufficient to mitigate risk and improve financial performance, given that property and real estate companies require large capital expenditures due to their inherent characteristics.
The Determinants in The Adoption of Banking Application Technology Wahyudi, Deby Yuliana; Indrawati, Nur Khusniyah; Suryadi, Nanang
AKRUAL: JURNAL AKUNTANSI Vol 17 No 1 (2025): AKRUAL: Jurnal Akuntansi
Publisher : Accounting Study Programme Faculty of Economics and Business Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jaj.v17n1.p92-110

Abstract

Introduction/Main Objectives: This study aims to examine the influence of perceived ease of use and perceived usefulness on the continuance intention of Wondr by BNI application users, with trust and satisfaction as mediating variables. Background Problems: Sustainable use for mobile banking service providers is important because retaining existing users is an important source of competitive advantage. Novelty: This study proves that the intention to continue using mobile banking is driven by perceptions of ease of use and perceived usefulness. Research Methods: This study is an explanatory study using a quantitative approach. The research population is Wondr by BNI users in Indonesia. This study uses purposive sampling technique. Data collection was conducted through a survey of 400 Wondr by BNI users. Data were analyzed using descriptive statistical methods and SEM-PLS. Finding/Results: Perceived ease of use and perceived usefulness have a direct and significant effect on each variable, trust, satisfaction, and the continuance intention of Wondr by BNI users. Additionally, satisfaction acts as a partial mediator in the relationship between perceived usefulness and continuance intention. Conclusion: Based on these findings, it is recommended that Wondr by BNI improve ease of use and usefulness to enhance user satisfaction and encourage continuance intention for Wondr by BNI. This study expands the development of the Technology Acceptance Model (TAM) by incorporating trust and satisfaction factors in analyzing the continuance intention of Wondr by BNI users. This study contributes to the implementation of mobile banking, particularly Wondr by BNI in Indonesia.
Is Risk Tolerance the Missing Link? Unpacking the Drivers of Investment Intention and Gender Differences Among Generation Z Alfathya, Atmaya Fitra; Sumiati; Indrawati, Nur Khusniyah
Jurnal Aplikasi Manajemen Vol. 23 No. 2 (2025)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2025.023.2.11

Abstract

The number of Single Investor Identification (SID) accounts is growing annually, primarily among Generation Z. However, a considerable disparity remains between those in this generation who have begun investing and those who have not. This situation warrants further examination to identify the factors that influence investment intentions among Generation Z in Malang. This explanatory study examines the effects of financial knowledge and social influence on investment intentions, considering the role of risk tolerance and gender differences. Utilizing purposive sampling, data from 224 Generation Z respondents in Malang were analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that financial knowledge and social influence significantly impact investment intentions, with risk tolerance mediating this relationship. Partial Least Squares Multi-Group Analysis (PLS-MGA) reveals no significant gender differences. This study provides empirical evidence from Generation Z in Malang, showing that gender does not moderate the effects of financial knowledge and social influence on investment intentions. The findings offer practical implications for policymakers, educators, and financial institutions, highlighting the need for comprehensive financial education, building supportive social environments, and strengthening risk tolerance as key strategies to enhance Gen Z’s investment intention.
Exploring How Digital Financial Literacy Affects Fintech Credit Behavior through Psychological and Digital Financial Access Ni Iffah Kesuma; Sumiati; Nur Khusniyah Indrawati
Jurnal Dinamika Manajemen Vol. 16 No. 2 (2025): September
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v16i2.27245

Abstract

This study investigates the influence of digital financial literacy on the credit behavior of Generation Z as fintech users, with digital financial inclusion and internal locus of control as mediating variables. Using a quantitative approach with 150 respondents in Malang, data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings demonstrate that digital financial literacy significantly affects credit behavior both directly and indirectly, with mediation confirming the crucial role of financial inclusion and psychological control. This research provides novelty by integrating digital financial literacy, financial ecosystem access, and psychological factors into a single framework for understanding Gen Z’s credit behavior. Theo retically, it enriches behavioral finance literature, while practically, it emphasizes the need for policymakers and fintech institutions to design targeted programs that strengthen financial decision-making among younger generations.
Implementation of Application-Based Accounting and Finance in MSMEs Gresik Regency Indrawati, Nur Khusniyah; Jazuli, A Muhamad
Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v5i1.2002

Abstract

Purpose: The purpose of community service is to provide an understanding and basic practice of accounting and finance for small and medium scale business activities in Gresik that are application-based. Method: The methods used include lectures, workshops, interactive Q&A, and practical exercises. The activity participants consisted of 29 participants in Gresik. Supporting data was collected through direct observation and interviews with representatives of the small and medium enterprises (SMEs). Practical Applications: There are implications for the participants, including: 1) SMEs need to be disciplined in financial record-keeping, even if the financial records are simple; 2) SMEs are expected to utilize personal or business assets in the form of devices to record business finances using applications; 3) It is hoped that SMEs can continue to grow and open themselves to always learning new things in the disruptive era. Conclusion: The results of the activity show that the implementation of community service went smoothly and received high enthusiasm from the participants. The material provided was in line with the purpose of this community service.
Supplier Risk Management in Supply Chain Relationships with Preferred Customer Status at Pt Japfa Comfeed Indonesia Nugroho, Mochammad Arie; Indrawati, Nur Khusniyah; Sudjatno
International Journal of Business and Applied Economics Vol. 3 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v3i1.7240

Abstract

This research provides a comprehensive risk management framework for supply chain relationships where suppliers have customers who have preferred customer status. This research is a case study research using a qualitative approach on the largest and leading agri-food companies in Indonesia, with several real-life perspectives on key risks, risk impacts, and mitigation strategies for implementing a risk management framework. The research results show that several risks can affect supply chain relationships between customers and suppliers: not only operational risks but also risks associated with specific relationships, as well as risks specific to supply chain relationships with preferred customer status. Creating correct and clear contracts was found to be a core strategy to mitigate risks built to protect supply chain relationships.
KONTRIBUSI PAJAK DAERAH DAN RETRIBUSI DAERAH TERHADAP PENDAPATAN ASLI DAERAH (PAD) KABUPATEN MALANG (Studi pada Dinas Pendapatan Pengelolaan Keuangan dan Aset Kabupaten Malang) Prameka, Adelia Shabrina; Indrawati, Nur Khusniyah
Jurnal Ilmiah Mahasiswa FEB Vol. 1 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

Kabupaten Malang was given opportunity to explore the potential of financial resources by setting taxes and charges for the region to increase the acceptance of PAD. The research aims to analyze the contribution and effectiveness local taxation and charges  to the PAD of Kabupaten Malang during the last five years (2007-2011). The object in this research is an area of Kabupaten Malang, research focusing to discuss about the PAD, local taxation, and local charges. Research type in this study was a descriptive. Analysis of local taxation and local charges to the PAD in the research carried out using the contributions analysis tax and charges to the total PAD each year and the effectiveness ratio of targets and realization. The results of this research found that average contribution local taxation and local charges type in receipt PAD Kabupaten Malang during 2007-2011 is greatly fluctuates. The biggest tax contributions comes from street lighting tax, averaging 36,4% over five years. As for the largest local charges contribution comes from public services charges, averaging 22,73% over five years. The larger percentage of contribution of a local tax and local charges to the total PAD,  then the more big contribution of the  tax and charges to the acceptance of PAD  an area.  This research contributes to the Kabupaten Malang government to better see the potential area which is owned to add value to the contribution of local tax and local charge as well as improve the performance of DPPKA. Key words  : Contribution  Analysis, Local Tax, Local Charges, Regional  Income,  PAD, Kabupaten Malang, Effectiveness, Effectiveness Ratio
PERBEDAAN RISIKO KREDIT BANK UMUM SWASTA NASIONAL DEVISA (BUSN) DAN BANK ASING YANG GO PUBLIC DI INDONESIA Maghfiroh, Ira Lailatul; Indrawati, Nur Khusniyah
Jurnal Ilmiah Mahasiswa FEB Vol. 1 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The research aims to know the difference between credit risk in The Private National Bank and Foreign Bank terms of the value of the Loan to Deposit Ratio (LDR), Non Performing Loan(NPL), Capital Adequacy Ratio (CAR) and Bank Size. This research are explanatory research and used a descriptive comparative method. The period of study are 2007-2011 year. This study includes research in the study population because as all elements of the population are studied. The data used The Private National Bank and Foreign Bank published on the Bank Indonesia and the official website of the bank which is the object of research. The different test performed using an independent sample t test and Mann-Whitney U test.The results for each ratio analysis shows that there is no difference in the level of credit risk in terms of the value of LDR, NPL and Bank Size between The National Private Banks and Foreign Banks in Indonesia. However, in terms of the CAR indicates that the credit risk between the National Private Banks and Foreign Banks are significantly different. Keywords: Credit Risk Management, Loan to Deposit Ratio (LDR), Non Performing Loan(NPL), Capital Adequacy Ratio (CAR), Bank Size, The Private National Bank (BUSN), Foreign Banks.
PENGELOLAAN KAS DAN SETARA KAS YANG OPTIMAL DALAM RANGKA MENINGKATKAN PROFITABILITAS PADA PT. SELECTA BATU Rachman, Ady Warsito; Indrawati, Nur Khusniyah
Jurnal Ilmiah Mahasiswa FEB Vol. 1 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Cash management  includes  the  efficient  collection,  payment of  cash  and  temporary investments  in marketable securities. This study aims to determine the management of cash and cash equivalents in order to improve  profitability  in the  PT  Selecta  and  whether  management of  cash  and  cash equivalents are carried out is optimal. Object of this study is the PT Selecta Batu. The results showed, cash management and cash equivalents are carried out by PT Selecta has not been optimal. In 2011, when  the company's liquidity  is  high  due to  large  cash  holdings,  cash  turnover  actually decreased from the previous year. That is because the PT Selecta has not been idle cash invested in marketable securities,  so that the  profit earned  is not maximized.  To  obtain  optimality  in  cash management, investing idle cash can be made through securities firms, one of which is the product of PT Danareksa Sekuritas, Reksa Dana Seruni Pasar Uang III that has a consistent level of return ride. Keyword : Cash Management, Idle Cash, Securities, Cash Inflow, Cash Outflow.
Co-Authors . Djumahir . Djumahir A Muhamad Jazuli, A Muhamad Achmad Sudiro Adelia Shabrina Prameka Ady Warsito Rachman Agris Wiseptya Ahmad Fathoni Ardyansyah Aji, Kartika Aldea Mita Cheryta Alfathya, Atmaya Fitra Ali Djamhuri Andini Kurnia Fajar Prihatanti Annisa Puspitasari Annisa Shabrina Anyta, Nungky Dean Apriyanti, Rini Atim Djazuli Atmaya Fitra Alfathya Cahyaningrum, Desy Dwi Cintyarani, Safira Dahana, Raiza Nora Dedi Suselo Defri Ramadan Wardiansyah Dewantara, Muhammad Giffari Djumahir Djumahir Djumilah Hadiwidjojo Djumilah Hadiwidjojo Ermawati, Putri Wahyu Erwina Safitri Garnis Irawanti Gigih Megaputra Hadityo, Farras Shaesardy Hamdan, Ahmad Zulham Hanifa Bennu Nur Haryakusuma, Kurnia Hiendarto, Ongky Ira Lailatul Maghfiroh Ismi Karima Tri Puspita Istiantoro, Jalu Nasa Jazuli , A Muhamad Kadek Yudha Agastya Tantra Kamil, Ihsan Karina Maliasari Kartika Aji Kurnia Haryakusuma Kusuma Ratnawati Laili, Choirun Nisful Lalu Aditya Putra Lambertus P Wairisal Lely Ana Ferawati Ekaningsih Liana, Esti Lily Hendrasti Novadjaja Mahadewi, Lufina Mintarti Rahayu Mintarti Rahayu Moeljadi Moeljadi Moeljadi Moeljadi Moeljadi Moeljadi, Moeljadi Mugiono Mugiono, Mugiono Muhammad Djakfar Mychelia Champaca Nanang Suryadi Ni Iffah Kesuma Noermijati Novita Rahayu Pratiwi Nugroho, Mochammad Arie Nungky Dean Anyta Nur Syam Ongky Hiendarto Prasintahayu, Elysa Pratama, Febby Candra Prihatanti, Andini Kurnia Fajar Puspitasari, Annisa Putra, Fathur Muffidal Akram Musev Putra, Lalu Aditya Raditha Dwi Vata Hapsari Rahmat Fajar Basarda Ratya Shafira Arifiani Risna Wijayanti Ryo Prayoga Purnama Putra Ryo Prayoga Purnama Putra, Ryo Prayoga Purnama Safitri, Niluh Santi Setiawan, Moh. Agung Sinaga, Patrick Immanuel Suciati, Ranila Sudjatno Sumiati Surachman Surachman Suselo, Dedi Tantra, Kadek Yudha Agastya Tetty Widiyastuti Ubud Salim Ubud Salim Wahyudi, Deby Yuliana Wardiansyah, Defri Ramadan Yolanda Efionita Zahrotul Auliya Rahmawati