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All Journal Journal of Economics, Business, & Accountancy Ventura MIX : Jurnal Ilmiah Manajemen Jurnal Manajemen & Keuangan Jurnal Ekonomi dan Bisnis Syntax Literate: Jurnal Ilmiah Indonesia Jambura Science of Management Aptisi Transactions on Technopreneurship (ATT) Dinasti International Journal of Management Science Dinasti International Journal of Education Management and Social Science Community Engagement and Emergence Journal (CEEJ) Dinasti International Journal of Digital Business Management Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Economy, Education and Entrepreneurship (IJE3) Jurnal Abdimas Perbanas Jurnal Manajemen dan Perbankan (JUMPA) Formosa Journal of Sustainable Research (FJSR) JWM (JURNAL WAWASAN MANAJEMEN) Management Research Studies Journal Jurnal Sosial dan Sains Jurnal Abdimas: Sosial, Bisnis, dan Lingkungan International Journal of Education, Vocational and Social Science Jurnal Pengabdian Masyarakat dan Penelitian Terapan
Hedwigis Esti Riwayati
Perbanas Institute
Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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Unveiling the Dynamics of Financial Literacy and Inclusion in Women Digital Loan Decision Making Riwayati, Hedwigis Esti; Rachman, Hikmah Abdul; Pramesworo, Septo; Yustisia, Natali; Umar, Haryono; Siahaan, Magda
Aptisi Transactions On Technopreneurship (ATT) Vol 7 No 3 (2025): November
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v7i3.788

Abstract

This study examines the role of lifestyle in mediating the influence of financial literacy and financial inclusion on the decision to take online loans. This research was conducted on women who use online loans in Indonesia. The sampling method used nonprobability sampling, with the respondents being 200 Indonesian women who used online loans. Data analysis uses Partial Least Square (PLS) to test the direct and indirect effects of financial literacy and financial inclusion on online loan decision-making. The results show that financial literacy, inclusion, and lifestyle significantly positively affect online loan decision-making. Financial literacy does not affect lifestyle, while financial inclusion significantly affects women's lifestyles in Indonesia. Lifestyle cannot mediate the influence of financial literacy and financial inclusion on women's online loan decision-making in Indonesia. The results of this study emphasize the importance of financial literacy and inclusion in shaping good financial behavior, especially in making decisions to apply for loans. Efforts to increase financial literacy and access to financial inclusion can be the primary strategy to improve the financial behavior of women in Indonesia in online loan decision-making.
ANALYSIS RELATES TO THE IMPACT FROM MACROECONOMIC FACTORS TO BANKING STOCK RETURNS WHICH MEDIATED BY PROFITABILITY Hedwigis Esti Riwayati; Muhammad Affid Diena
Dinasti International Journal of Education Management And Social Science Vol. 2 No. 5 (2021): Dinasti International Journal of Education Management and Social Science (June
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijemss.v2i5.870

Abstract

This research aims to analyze the impact which caused by macroeconomic factors to stock returns which mediated by profitability. This research used purposive sampling method with BUKU IV Banks who Listed on the Indonesia Stock Exchange as sample in this research period. The data was taken from the quarterly financial reports of the sample banks and Bank Indonesia. The analysis technique that used in this research are panel data regression and used path analysis to reveal the impact which caused by intervening variable. The results found that interest rates had no significant impact towards stock returns, while the inflation rate and the rupiah exchange rate had a direct significant impact on stock returns. Path analysis found that interest rates, inflation rates and Rupiah exchange rate had no significant affect on stock returns which indirectly mediated by profitability. This research results are very useful as an information for investors and stakeholders to determine good investment decisions in the banking sector.
THE EFFECT OF GOOD CORPORATE GOVERNANCE MODERATED CORPORATE SOCIAL RESPONSIBILTY DISCLOSURE ON THE FINANCIAL PERFORMANCE OF BANKING COMPANIES Pahrizal Sofyan; Hedwigis Esti Riwayati; Edy Sukarno
Dinasti International Journal of Education Management And Social Science Vol. 3 No. 3 (2022): Dinasti International Journal of Education Management and Social Science (Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijemss.v3i3.1148

Abstract

Research about effectiveness of Good Corporate Governance with Corporate Social Responsibility on financial performance in banking companies is very necessary because the characteristics of banking companies are different from other industries. This research aims to analyze the effect of Good Corporate Governance to bank financial performance as measured by Return on Asset and Corporate Social Responsibility disclosure as moderation variable. The determination of samples is using purposive sampling method, which is a sampling technique using certain considerations and limitations so that the selected sample is relevant to the purpose of the study. The sample used in this study was 4 (four) State-Ownedbanking companies and participants in the Corporate Governance Perception Index from 2012-2020 with disclosure of aspects of Corporate Social Responsibility as measured by the Category of Global Reporting Initiative. Researchers used regression and moderating analysis techniques as well as the Eviews 12.0 application to test the study data. The results showed that Good Corporate Governance has a significant negative effect to Return on Asset and Corporate Social Responsibility strengthens the relationship of Good Corporate Governance to Return on Asset.
Desain Konseptual Otomasi Evaluasi Kewajaran Laporan Bank melalui Transformasi Digital Data Quality Assurance dalam Kerangka Data Quality Management Muhamad Toni; Hedwigis Esti Riwayati
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 1 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i1.11433

Abstract

Penelitian ini bertujuan merancang model konseptual transformasi digital Data Quality Assurance dalam kerangka Data Quality Management pada proses evaluasi kewajaran Laporan Bank di Bank Indonesia, dengan fokus pada data Dana Pihak Ketiga dan Kredit. Penelitian dilatarbelakangi oleh kebutuhan penguatan proses evaluasi kewajaran yang masih bergantung pada Microsoft Excel, email, kompilasi manual, dan professional judgement, sehingga berpotensi menimbulkan variasi penilaian, keterbatasan dokumentasi, serta risiko human error. Penelitian menggunakan pendekatan kualitatif deskriptif eksploratif melalui wawancara semi-terstruktur dan dokumentasi. Informan terdiri dari lima narasumber yang mewakili perspektif strategis, teknis, dan operasional dari Bank Indonesia serta narasumber eksternal dari bank pelapor (BRI dan Bank Victoria). Hasil penelitian menunjukkan bahwa evaluasi kewajaran data telah berjalan sebagai bagian dari mekanisme pengendalian kualitas data, namun masih memerlukan penguatan pada aspek parameter, deteksi awal, klarifikasi, dokumentasi, dan monitoring tindak lanjut. Penelitian ini merumuskan model konseptual berbasis strategi 3S: Standarisasi parameter kewajaran, Simplifikasi deteksi awal melalui kandidat metode Z-Score, IQR, dan MAD, serta Sistem yang mendukung konfirmasi, form klarifikasi, dashboard, dan monitoring. Dewa Siaran ditempatkan sebagai representasi konseptual model to-be, bukan sebagai objek evaluasi aplikasi. Penelitian ini menyimpulkan bahwa transformasi digital evaluasi kewajaran data perlu dipahami sebagai perubahan proses untuk memperkuat konsistensi, efisiensi, keterlacakan, dan kualitas data Laporan Bank.
Increasing the Regional Economic Groth through Small and Medium Entreprises Hedwigis Esti Riwayati
Journal of Economics, Business, and Accountancy Ventura Vol. 20 No. 2 (2017): August - November 2017
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i2.1128

Abstract

This study aimed to analyze the influence of regional revenue, capital expenditures, labor and small and medium enterprises towards the regional economic growth in the Regencies in Sulawesi Island. This study uses a quantitative approach with secondary data obtained from the Central Statistics Agency. Based on the results of the panel data analysis using EViews 8.0 program processing tools, the results indicate that in partial local revenue, capital expenditures, labor, small and medium enterprises have significant positive effect on regional economic growth in the Regency/City of the island of Sulawesi. Another  conclusion  of  the  results  in  this  research  are  feasible  estimated regression model is used to explain the economic growth of the Regency/City of the island of Sulawesi.
Co-Authors Affid Diena, Muhammad Akhmad Firdaus AR, Hikmah Atikah, Selvi Ch. Endah Winarti Dewi Ariska Manik Dian Kurniawati Edy Sukarno Fachrukrozie Kodri Faisal Faisal Fangky Antoneus Sorongan Febrianto Ardi Kumoro Haron, Rosmawati Hartono, Muhamad Arif Haryono Umar I Putu Jayantara Ignatius Septo Pramesworo Ilafi Rani Yoasti Jasman Jasman Jayantara, I Putu JINAN, Achmad Syauqi Ilal Khairunnisa Khairunnisa Kurniawan Rois, Misbakhuddin Livia Aninditya Sari Maratus Sholeha Marettos Hutabarat, Lissom Markonah Markonah Markonah, Markonah Mas Rizki Noviah, Nyi Misman, Faridah Najuna Muhamad Toni Muhammad Affid Diena Muhammad Iqbal Natali Yustisia Natasya Putri Liberty, Angela Nurhasanah Nurhasanah Nyi Mas Rizky Noviyah Othman, Akmal Aini Ovalia Pahrizal Sofyan Perdana, Didit Ali Permatasari Emanue , Magdalena Pramesworo, Septo Putri Liberty, Angela Natasya Rachman, Hikmah Abdul Ramanda, Bimo Retnaningsih, Inung Wijayanti Ridarmelli Ridarmelli Rizal Mawardi Rizki Noviah, Nyi Mas Ros Indah Mawarti Sendang Natalia Siahaan, Magda Sita Nurmalia Adha Sofyan, Pahrizal Suharyanto Taufiq Akbar Terada, Yoshitaka Tifa Noer Amelia Tonny Sudjatnika Yohana Rutmia Dewi Br Manik Yohanes Ferry Cahaya Zainon, Saunah