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All Journal ETIKONOMI MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Research Report - Social Science Journal of Economics, Business, & Accountancy Ventura Gadjah Mada International Journal of Business JMM17: Jurnal Ilmu Ekonomi dan Manajemen PROFIT : Jurnal Administrasi Bisnis MIX : Jurnal Ilmiah Manajemen Jurnal Ilmiah Econosains Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Manajemen & Keuangan Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Jurnal ASET (Akuntansi Riset) JMM (Jurnal Masyarakat Mandiri) JCES (Journal of Character Education Society) Almana : Jurnal Manajemen dan Bisnis Economics and Finance in Indonesia JIA (Jurnal Ilmiah Akuntansi) Jurnal Muara Ilmu Ekonomi dan Bisnis Kumawula: Jurnal Pengabdian Kepada Masyarakat Valid Jurnal Ilmiah Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal ABDINUS : Jurnal Pengabdian Nusantara Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Movere Journal Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Accounting and Finance Studies Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Social And Economics Research Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Economic and Finance in Indonesia journal of social and economic research SUBAKTYA, Unpar Community Service Journal E-Jurnal Akuntansi Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
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KARTU KREDIT VS PAY LATER: PERAN LITERASI KEUANGAN DALAM MEMBAYAR PEMESANAN KAMAR HOTEL Tiffani, Ignasia; Agung, Chris Petra; Dewi, Vera Intanie
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 2 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i2.8072

Abstract

The evolution of digital finance has led to payment innovations like paylater, an alternative to credit cards for credit transactions. One sector that provides both methods is hotel room booking through online travel agents (OTAs). This study examines the factors influencing the choice between paylater and credit card payment methods: financial literacy, digital literacy, and hotel characteristics. Employing multiple linear regression analysis, the research was conducted among residents of West Java and DKI Jakarta with paylater and credit card accounts. The results indicate that financial literacy and digital literacy significantly impact payment choices. Paylater embodies digital financial innovation in the era of Industry 4.0, while credit cards remain relevant in the ever-evolving digital financial ecosystem
Can Sustainability Report Disclosure Influence the Valuation of Insurance Companies? Agung, Chris Petra; Dewi, Vera Intanie; Kesaulya, Feby Astrid; Samuel, Samuel; Putri, Nabilla Ditya
JMM17 : Jurnal Ilmu ekonomi dan manajemen Vol 12 No 1 (2025): April 2025
Publisher : Universitas 17 Agustus 1945 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30996/jmm17.v12i1.12272

Abstract

The Association of Indonesian Life Insurance Companies (AAJI) has encouraged insurance companies to apply environmental, social, and governance (ESG) principles in their business activities. However, insurance companies in Indonesia generally have not fully implemented sustainability principles in their operational activities due to the uncertainty of increased fi rm values after the implementation. One way to communicate the company's sustainability steps is through the sustainability report (SR), which the Financial Services Authority (OJK) obliged. Although the guidelines had already been prepared in 2021, the depth and breadth of the disclosure depend on each company. Previous studies found that several factors aff ect SR disclosure. This study aims to investigate the role of profi tability and fi rm size as determinants of SR disclosure and the eff ect of SR disclosure on company value. The sample of this study was 15 insurance companies listed on the Indonesia Stock Exchange (IDX) that routinely published SR during the 2021-2023 period. The data was processed using Partial Least Squares - Structural Equation Modelling (PLS-SEM) through SmartPLS ver—3 software. The results of this study show that (1) profi tability has a positive eff ect on SR disclosure, (2) company size has a positive eff ect on SR disclosure, and (3) company size has a positive eff ect on company value.
Profitability Ratios Analysis in Telecommunication Industry Before, During, and After Covid Pandemic Putri, Gianisa Mentari; Widyarini, Maria; Dewi, Vera Intanie
Profit: Jurnal Adminsitrasi Bisnis Vol. 19 No. 2 (2025): Profit: Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.profit.2025.019.02.1

Abstract

The COVID-19 pandemic has significantly disrupted the business landscape due to the implementation of PSBB policies. The pandemic restricted activities in areas affected by the virus, resulting in substantial changes in consumer behaviour. There was a surge in demand for telecommunications products and services as individuals and businesses adapted to remote work and online interactions. These changes have positively impacted the financial performance of telecommunications companies. However, these companies face challenges in operations and principles. ESG encompasses social and environmental responsibility and ethical corporate governance that affect their profitability. Profitability assesses a company's ability to generate revenue from operations using gross profit margin, net profit margin, return on assets, and return on equity. Other analytical techniques have also been used, such as horizontal analysis, which compares data across periods, and vertical analysis, which evaluates components of financial statements. This study also uses variance analysis, trend analysis, and documentation on secondary data. 2019 to 2023: The financial statements of four major telecommunications companies are the samples used in this study. This study shows that gross profit margin, net profit margin, return on assets, and return on equity have significant differences or similarities before, during, and after the pandemic.
Analisis Pengaruh Nilai Perusahaan dan Kinerja Keuangan Terhadap Return Saham: Studi pada Perusahaan Otomotif Setiawan, Daniel Imanuel; Dewi, Vera Intanie
Jurnal Manajemen Stratejik dan Simulasi Bisnis Vol. 5 No. 2 (2024): Jurnal Manajemen Stratejik dan Simulasi Bisnis
Publisher : Fakultas Ekonomi Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/mssb.5.2.72-87.2024

Abstract

The objective of this study is to identify the influence of corporate value and financial performance on stock returns within the automotive industry sector. The study covers the period from December 2019 to December 2023, with a sample of 10 selected stocks. Panel Data Regression analysis is employed to assess these relationships. The results show that Total Asset Turnover (TATO), Debt to Asset Ratio (DER), and Return on Assets (ROA) have a significant partial effect on Stock Return (RS). In the simultaneous testing, Current Ratio (CR), TATO, DER, ROA, and Economic Value Added (EVA) are shown to collectively affect RS. This research provides insights for investors, offering recommendations to enhance investment portfolio optimization by considering these key variables.
Peran kepercayaan konsumen dalam memediasi pengaruh country of origin dan word of mouth terhadap keputusan pembelian Novianti, Nurfa Citra; Istiharini, Istiharini; Dewi, Vera Intanie
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 9 No 3 (2025): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v9i3.34355

Abstract

This study aims to analyze the role of brand trust in mediating the influence of country of origin and word of mouth on purchase decisions, with a focus on the case of purchasing Honda cars. A quantitative approach and explanatory research method were employed, utilizing Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) technique. The research was conducted on a sample of 169 respondents, selected using a non-probability convenience sampling method, specifically targeting Honda car owners in Jabodetabek area. The results show that country of origin has a significant effect on both brand trust and purchase decision. Meanwhile, word of mouth does not have a direct effect on purchase decision but does significantly influence brand trust. Furthermore, brand trust is proven to mediate the relationship between country of origin and purchase decision, but not between word of mouth and purchase decision. These findings highlight the importance of positive perceptions of a product's country of origin in building consumer trust, which in turn drives purchase decisions, particularly in the context of automotive products. Penelitian ini bertujuan untuk menganalisis peran kepercayaan merek dalam memediasi pengaruh country of origin dan word of mouth terhadap keputusan pembelian dengan mengambil studi pada Keputusan pembelian mobil merek Honda. Penelitian ini menggunakan pendekatan kuantitatif dan metode eksplanatif, dengan teknik analisis Structural Equation Modeling (SEM)-Partial Least Square (PLS). Penelitian ini dilakukan pada sampel sebanyak 169 responden dan pengambilan sampel menggunakan Teknik non-probability-convenience sampling yakni pemilik mobil merek Honda di wilayah Jabodetabek. Hasil penelitian ini dapat membuktikan bahwa country of origin berpengaruh terhadap kepercayaan dan Keputusan pembelian, sedangkan, word of mouth tidak dapat dibuktikan berpengaruh langsung terhadap keputusan pembelian, tetapi berpengaruh terhadap kepercayaan. Kepercayaan terbukti dapat memediasi hubungan antara country of origin dan keputusan pembelian, tetapi tidak untuk hubungan antara word of mouth dan keputusan pembelian. Temuan ini menegaskan pentingnya persepsi positif terhadap negara asal sebagai pembentuk kepercayaan konsumen, yang kemudian mendorong keputusan pembelian, khususnya dalam konteks produk otomotif.
Do Financial Knowledge and e-Payment Awareness Affect Saving and Spending Behavior? The Mediating Role of Financial Risk Tolerance Dewi, Vera Intanie; Effendi, Nury; Ervani, Eva; Sapulette, Militcyano Samuel
Gadjah Mada International Journal of Business Vol 27, No 2 (2025): May-August
Publisher : Master in Management, Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/gamaijb.83409

Abstract

This study investigates the role of financial risk tolerance in mediating the impact of financial knowledge and e-payment awareness on saving and spending behavior. A total of 400 questionnaires were distributed, with 396 completed by respondents and used for analysis. This research employs partial least squares-based structural equation modeling (PLS-SEM) to validate and estimate the proposed research models, with Smart- PLS software analyzing the data and estimating the relationships between its latent variables. Our study’s estimation provides evidence of the positive and significant role of financial risk tolerance in mediating the impact of financial knowledge and e-payment awareness on spending and saving behavior. This study also reveals differences in the level of financial risk tolerance between male and female participants. Furthermore, the analysis results indicate that most younger people have a risk tolerance level (i.e., risk profile) that falls into the medium (i.e., risk-averse) category in terms of risk speculation, invest- ment risk, and financial risk evaluation.
Pengaruh Pengetahuan Keuangan terhadap Niat Investasi di Reksa Dana di Mediasi oleh Toleransi Risiko Pratama, Yehuda Nino; Dewi, Vera Intanie; Faisal, Achmad
Co-Value Jurnal Ekonomi Koperasi dan kewirausahaan Vol. 15 No. 3 (2024): Co-Value: Jurnal Ekonomi, Koperasi & Kewirausahaan
Publisher : Program Studi Manajemen Institut Manajemen Koperasi Indonesia Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/covalue.v15i3.4725

Abstract

Investasi dilakukan dengan tujuan untuk mendapatkan return di masa yang akan datang. Namun dalam menggapai objective tersebut muncul ketidakpastian yang disebut dengan risiko. Risiko secara alami melekat kedalam semua aktivitas yang dilakukan dengan sebutan “inherent risk”. Setiap orang memiliki teleransi riskiko yang berbeda-beda, hal ini berpengaruh terhadap minat investasi yang dimiliki oleh individu tersebut. Pengetahuan keuangan merupakan salah faktor yang mempengaruhi toleransi risiko yang dimiliki oleh individu. Maka, penelitian ini dilakukan untuk mengetahui pengaruh dari pengetahuan keuangan terhadap minat investasi yang di mediasi oleh toleransi risiko. Penelitian ini menggunakan metode kuantitatif, dengan menggunakan data primer yang diperoleh melalui survei dengan menyebarkan questioner. Jumlah responden yang diperoleh pada penelitian ini adalah sebanyak 177 orang. Pengolahan data dilakukan dengan menggunakan metode Partial Least Squares Path Modeling (PLS-SEM). Hasil dari Analisa pada penelitian ini menunjukan bahwa pengetahuan keuangan objektif memilik pengaruh signifikan positif terhadap toleransi risko, dan toleransi risiko berpengaruh signifikan dan positif terhdapa niat investasi. Namun pengetahuan keuangan subjektif tidak memiliki pengaruh yang signifikan terhadap toleransi risiko.
Pendidikan Literasi Keuangan Siswa SD Menggunakan Game-board “Petualangan Anak Pintar” Gomulia, Budiana; Dewi, Vera Intanie; Barlian, Inge
SUBAKTYA: UNPAR COMMUNITY SERVICE JOURNAL Vol. 1 No. 1 (2024): (JULI 2024) SUBAKTYA: UNPAR Community Service Journal
Publisher : Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/sucsj.v1i1.7968.50-66

Abstract

Dalam kurikulum SD sudah terdapat pendidikan ekonomi, hitung keuangan, dan kewirausahaan di dalam pelajaran IPS atau Matematika, sebatas pengetahuan. Namun pendidikan literasi keuangan bagi anak usia dini lebih sesuai dilakukan sebagai upaya pembiasaan/pembudayaan “good habit”. Maka peneliti memandang perlu Pendidikan Literasi Keuangan bagi siswa SD untuk ditambahkan melalui kegiatan ekstrakurikuler. Kegiatan dilakukan oleh siswa kelas IV, V, VI di 5 SD Kota Bandung pada periode September-November 2021. Menggunakan game-board “Petualangan Anak Pintar”, permainan monopoli yang mengakomodasi 4 aspek pendidikan literasi keuangan. Selain siswa dapat belajar juga merasakan kegembiraan, di sini mahasiswa pendamping atau guru ikut berinteraksi dalam prosesnya. Kemampuan membaca-menulis-berhitung para siswa yang memadai menjadi prasyarat penting untuk melakukan permainan. Dalam mendukung pendidikan literasi keuangan di sekolah diperlukan fasilitas sejumlah game-board “PAP” yang mencukupi, dan peran mahasiswa pendamping.
Analysis Of Market Reaction to The 2024 Presidential Election Results Announcement on Energy Sector Companies Listed on The IDX Tiffani, Ignasia; Powell, Karen Arecia; Dewi, Vera Intanie
JMM17 : Jurnal Ilmu ekonomi dan manajemen Vol. 12 No. 2 (2025): September 2025
Publisher : Universitas 17 Agustus 1945 Surabaya

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

Abstract

Political events are one of the events that can affect stock prices because these events are related to the stability of the country's economy. The political event that wants to be tested for its information content on the capital market in Indonesia is the announcement of the 2024 presidential election results. Investor reaction can be measured through two variables, namely abnormal return and trading volume activity. This study aims to determine the reaction of the capital market in Indonesia to the announcement of the 2024 election results on the capital market with an event study approach. This study uses a comparative study method and a market model approach in calculating expected returns. The research period is an estimation period of 17 days and an observation period of 11 days. The sample determination used purposive sampling technique and examined 78 issuers from 86 energy sector issuers listed on the IDX. The results showed no difference in abnormal returns and trading volume activity in the period before and after the announcement of election results. In terms of abnormal returns, it shows that the announcement of election results does not contain information that can cause the market to react. Meanwhile, in terms of trading volume activity, investors tend to focus on long-term analysis related to the policies of the new government so as not to make hasty decisions in investing.
PENGARUH PERFOMANCE EXPECTANCY, EFFORT EXPECTANCY YANG DIMEDIASI OLEH CUSTOMER SATISFACTION TERHADAP KEPUTUSAN PEMBELIAN KEMBALI PADA SOURCE ORDER SGM FRONTLINER PT WOM FINANCE REGIONAL JATIM BALI NUSRA Lestari Eva Maryani; Bernard T. Widjaja; Vera Intanie Dewi
Journal of Social and Economics Research Vol 7 No 1 (2025): JSER, June 2025
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v7i1.912

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Performance Expectancy dan Effort Expectancy terhadap keputusan pembelian kembali layanan pembiayaan WOM Finance, dengan Customer Satisfaction sebagai variabel mediasi. Hasil penelitian menunjukkan bahwa Performance Expectancy tidak berpengaruh signifikan terhadap keputusan pembelian kembali, baik secara langsung maupun melalui kepuasan pelanggan. Hal ini mengindikasikan bahwa ekspektasi terhadap kinerja layanan bukan faktor utama dalam keputusan pelanggan untuk kembali menggunakan layanan. Sebaliknya, Effort Expectancy memiliki pengaruh positif terhadap keputusan pembelian kembali dan kepuasan pelanggan. Layanan yang mudah diakses dan digunakan meningkatkan kenyamanan, sehingga mendorong loyalitas. Selain itu, kepuasan pelanggan juga terbukti berpengaruh positif terhadap keputusan pembelian kembali, menunjukkan bahwa pengalaman positif dalam penggunaan layanan meningkatkan kemungkinan pelanggan untuk tetap setia. Customer Satisfaction juga berperan sebagai mediator antara Effort Expectancy dan keputusan pembelian kembali, di mana kemudahan layanan mendorong kepuasan yang pada akhirnya memperkuat loyalitas pelanggan. Temuan ini menegaskan pentingnya kemudahan penggunaan dan kepuasan pelanggan dalam membangun retensi pelanggan di sektor pembiayaan.
Co-Authors Abdulhakim, Muhammad Faruq Achmad Faisal, Achmad Achmad Noerkhaerin Putra Adam Hawari Agung, Chris Petra Agus Hasan Aldrin Herwany Alverell Panangian Hutagalung Anhar Fauzan Priyono Badaruz Zaman Benny Budiawan Tjandrasa Bernard T. Widjaja Brigita Meylianti Sulungbudi Budi Tjahja Halim Budiana Gomulia Budiono Budiono Budiono Budiono Catharina Ria Budiningsih, Catharina Ria Chandra Utama Cindy Devina Setiawan Debby, Teressia Detti, Regina Dharma Putra Sudjaja Dharma Putra Sundjaja Dharwiyanti, Sri Elaine Vashti Bestari Kustedja Elly Helena Sitorus Elvira Maytasya Simanjuntak Eva Ervani Eva Erviani Feby Astrid Kesaulya Felisca O Felisca Oriana Felisca Oriana S Felisca Oriana Surjoko Fernando Mulia Fitri Hastuti Gunawan, Vincent Halim, Budi Tjahja Hartanto, Evan Hasyim, Irsanti Herry Herry Ica Rika Candraningrat Ica Rika Candraningrat Indupurnahayu Inge Barlian Inge Barlian Sundjaja Istiharini . Karissa Meina Maulida Kesaulya, Feby Astrid Lestari Eva Maryani Lilian Danil Maratno, Sylvia Fettry Elvira Meilinda . Meilinda Meilinda Militcyano Samuel Sapulette Militcyano Samuel Sapulette Muhammad Faruq Abdulhakim Muhammad Faruq Abdulhakim Muhammad Rafdi Raihan Pranata Ni Wayan Mujiati Nia Carmila Siringoringo Nicolaus Juan Adiputra Nike Anabella Nina Septina Novianti, Nurfa Citra Nugroho, Nicolaus Wicaksono Nury Effendi Nyoman Abundanti Pangau, Angelia Christin Parlindungan, Salomon Powell, Karen Arecia Pratama, Yehuda Nino Putri, Gianisa Mentari Putri, Nabilla Ditya Putu Ayu Kezia Dewi Putu Ayu Kezia Dewi Rahmani, Syifa Afifah Regina Deti Renea Shinta Aminda Ria Satyarini Ridwan S. Sundjaja Ridwan S. Sundjaja Ridwan Sundjaja Rizka Nugraha Praktikna Rooroh, Ryo Junior Salomon Parlindungan Samuel Samuel Samuel Sapulette, Militcyano Sapulette, Militcyano Samuel Sastroredjo, Probowo Erawan Setiawan, Daniel Imanuel Singadipoera, Muhammad Raihan Rafly Suminar, Rita Tiffani, Ignasia Tjandrasa, Benny Budiawan Triyana Iskandarsyah Umi Widyastuti Vincent Gunawan YUSUF, RAMAYANI