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All Journal 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 Jurnal Ilmiah Econosains Panrita Abdi - Jurnal Pengabdian pada Masyarakat Jurnal Manajemen & Keuangan 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 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 E-Jurnal Akuntansi
Vera Intanie Dewi
Jurusan Manajemen, Fakultas Ekonomi Universitas Katolik Parahyangan, Bandung
Religion Humanities Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Impact of Fintech on Financial Performance of MSMES in Bali with Financial Literacy as Moderator Ica Rika Candraningrat; Vera Intanie Dewi; Putu Ayu Kezia Dewi
Matrik : Jurnal Manajemen, Strategi Bisnis, dan Kewirausahaan Volume 19 Nomor 1 Tahun 2025
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2025.v19.i01.p01

Abstract

This study examines the impact of fintech on the financial performance of micro, small, and medium enterprises (MSMEs) in Bali, with financial literacy as a moderating variable. A quantitative approach was employed, utilizing primary data collected through questionnaire distribution. The sampling method used was purposive sampling, with a total of 150 respondents. The findings indicate that fintech has a positive and significant effect on financial performance. Furthermore, financial literacy positively moderates this relationship, strengthening the impact of fintech on financial performance. These results align with the Theory of Planned Behavior and the Theory of Financial Innovation. The higher the financial literacy of MSME owners, the more effectively they utilize fintech to enhance financial performance. Keywords : Fintech; Financial Performance; Financial Literacy; MSMEs
Analisis Perilaku Herding pada Indeks Sri-Kehati saat Kondisi Pandemi COVID-19 Elvira Maytasya Simanjuntak; Vera Intanie Dewi
E-Jurnal Akuntansi Vol 32 No 3 (2022)
Publisher : Accounting Department, Economic and Business Faculty of Universitas Udayana in collaboration with the Association of Accounting Department of Indonesia, Bali Region

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJA.2022.v32.i03.p16

Abstract

This study aims to analyze the presence of herding behavior on the SRI-KEHATI Index for the period January 2, 2020 to December 30, 2021. Herding behavior can be identified through the relationship between stock return dispersion and market return. In calculating stock return dispersion using the Cross Sectional Absolute Deviation or CSAD method. This study uses data on the daily closing price of the SRI-KEHATI index and data on the daily prices of 17 company stocks that are always on the SRI-KEHATI index during the observation period. The analytical method used is ordinary least square regression analysis. The time period used is when the market is in a state of uncertainty which is indicated by more herding behavior. The results showed that there was no indication of herding behavior on the SRI-KEHATI Index during the COVID-19 Pandemic condition which was marked by no non-linear relationship between the CSAD variable and the squared market return variable. Keywords: Herding Behavior; CSAD; Market Return.
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.
PENINGKATAN LITERASI KEUANGAN GURU DAN SISWA SEKOLAH TINGKAT DASAR Gomulia, Budiana; Barlian, Inge; Dewi, Vera Intanie; Putri, Nabilla; Agung, Chris Petra
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 4 (2025): Agustus
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i4.32045

Abstract

Abstrak: Maraknya modus penipuan keuangan modern dan ketidakmampuan sebagian besar masyarakat dalam mengambil keputusan keuangan secara bijaksana, menjadikan pendidikan literasi keuangan sangat dibutuhkan masyarakat. Tujuan Program Pengabdian bagi guru dan siswa SD. untuk memberikan pengetahuan dasar keuangan dan penyadaran pentingnya “good habit” pribadi/keluarga sejak dini. Kegiatan ini diikuti oleh sebanyak 20 guru dan 67 siswa. Guru mendapat pelatihan Finacial Life Skill-Modul Usaid, sementara siswa melakukan simulasi menggunakan board game Petualangan Anak Pintar. Berdasarkan hasil Evaluasi melalui FGD dan Survey, seluruh (100%) peserta menyatakan materi sesuai dengan kebutuhan,bermanfaat dan mudah diikuti Sehingga dapat meningkatkan rasa percaya diri dan berpikir Kritis dalam membuat keputusan keuangan,seperti membuat anggaran, mengelola keuangan dan merencanakan tabungan. Dan para guru menilai adanya peluang untuk mengadaptasikan materi FLS ke dalam Kurikulum SD. Penggunaan board game PAP sebagai metode yang menarik dan efektif untuk siswa mengenal literasi keuangan. Namun masih diperlukan inovasi materi yang disesuaikan dengan kemampuan siswa pada tingkat - Kelas IV, V, VI.Abstract: The increasing prevalence of modern financial fraud schemes and the general public’s limited capacity to make sound financial decisions underscore the urgent need for financial literacy education. This community service program, targeted at elementary school teachers and students, aims to provide fundamental financial knowledge and raise awareness about the importance of developing "good habits" at the individual and family levels from an early age. The program involved 20 teachers and 67 students. Teachers received training using the Financial Life Skills (FLS) module developed by USAID, while students participated in simulations through the Petualangan Anak Pintar (Smart Kids’ Adventure) board game. Evaluation results from focus group discussions (FGDs) and surveys revealed that all participants (100%) found the material relevant to their needs, beneficial, and easy to follow. The program significantly enhanced participants' confidence and critical thinking skills in making financial decisions, such as budgeting, managing finances, and planning savings. Furthermore, teachers identified the potential to integrate FLS materials into the elementary school curriculum. The use of the PAP board game proved to be an engaging and effective method for introducing financial literacy to students. Nevertheless, there remains a need for material innovation tailored to the cognitive abilities of students in Grades IV, V, and VI.
Co-Authors Abdulhakim, Muhammad Faruq Achmad Faisal, Achmad Achmad Noerkhaerin Putra Agung, Chris Petra Agus Hasan Aldrin Herwany Alverell Panangian Hutagalung Anhar Fauzan Priyono Badaruz Zaman Bernard T. Widjaja Brigita Meylianti Sulungbudi Budiana Gomulia Budiono Budiono Budiono Catharina Ria Budiningsih, Catharina Ria Cindy Devina Setiawan Dharma Putra Sudjaja Dharma Putra Sundjaja Elaine Vashti Bestari Kustedja Elly Helena Sitorus Elvira Maytasya Simanjuntak Eva Ervani Eva Erviani 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 . Kesaulya, Feby Astrid Lestari Eva Maryani Lilian Danil Maratno, Sylvia Fettry Elvira Maulida, Karissa Meina Meilinda . Meilinda Meilinda Militcyano Samuel Sapulette Militcyano Samuel Sapulette Muhammad Faruq Abdulhakim Muhammad Rafdi Raihan Pranata Ni Wayan Mujiati Nia Carmila Siringoringo 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 Putri, Nabilla Ditya Putu Ayu Kezia Dewi Regina Deti Regina Detty 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 Stefiany, Laurencia Suminar, Rita Tiffani, Ignasia Tjandrasa, Benny Budiawan Triyana Iskandarsyah Umi Widyastuti Vincent Gunawan YUSUF, RAMAYANI