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All Journal MIX : Jurnal Ilmiah Manajemen Binus Business Review Jurnal Pendidikan Progresif
Christiana Fara Dharmastuti
Atma Jaya Catholic University of Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Factors and Benefits that Affect Lender's Interest in Giving Loans in Peer to Peer (P2P) Lending Platform Christiana Fara Dharmastuti; Jonathan Laurentxius
Binus Business Review Vol. 12 No. 2 (2021): Binus Business Review
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/bbr.v12i2.6359

Abstract

Financial technology (fintech) is a combination of the financial industry and technology. One of the uses of fintech is the Peer to Peer (P2P) lending platform, which is a funding channel. This platform is an investment alternative that can increase borrowers' and investors' prosperity. However, P2P also has a high risk that must be considered. Lenders or investors must conduct a loan application feasibility study before giving a loan. The research examined the impact of Character, Capital, Capacity, Collateral (4C) and the benefits that lenders received, as well as the benefits of fintech on lenders' interest in placing their funds on the P2P lending platform. Data were obtained from questionnaires distributed to P2P lending users. The sampling technique was purposive sampling. The total number of respondents who returned the questionnaire was 70 respondents. However, only 53 data could be used in the research. Then, the data were analyzed using Moderated Regression Analysis (MRA). The results show that the 4C factors do not significantly affect the lenders' interest in giving loans. Meanwhile, the benefits and fintech have a significant direct impact. Fintech cannot act as a moderator variable in this model. P2P companies must provide complete information and credit analysis regarding borrowers' conditions to reduce lenders' potential risk.
Exploring Variabels of Teachers Financial Well-Being in Indonesia Jesuit Schools Andreass Aryono Mantiri; Christiana Fara Dharmastuti
Jurnal Pendidikan Progresif Vol 14, No 2 (2024): Jurnal Pendidikan Progresif
Publisher : FKIP Universitas Lampung

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Abstract

Exploring Variabels of Teachers Financial Well-Being in Indonesia Jesuit Schools. Objectives: This study explored the interrelationships between financial literacy, financial efficacy, financial attitude, financial behavior, and spiritual intelligence in influencing the financial well-being of Indonesian Jesuit school teachers. Methods: A quantitative research approach was employed, utilizing structural equation modeling (SEM-PLS) to analyze data collected from 225 Jesuit school teachers. Data were gathered through a survey instrument designed to measure the variables of interest. Findings: The study found that financial behavior plays a crucial mediating role in the relationship between these variables and financial well-being. Financial efficacy directly predicts financial well-being, while spiritual intelligence and financial attitude indirectly enhance well-being through their influence on financial behavior. Financial literacy, contrary to expectations, does not directly impact financial well-being but indirectly contributes through its influence on financial behavior. Conclusion: The study highlights the importance of fostering positive financial behaviors and integrating spiritual intelligence into financial decision-making to improve the financial health of educators. These findings offer valuable insights for educational institutions and policymakers seeking to enhance the financial well-being of teachers. Keywords: financial well-being, spiritual intelligence, teachers.DOI: http://dx.doi.org/10.23960/jpp.v14.i2.202497
The Financial Implications of ESG Performance: Innovation as a Mediator and External Assurance as a Moderator Elizabeth Agustine Shellyane; Christiana Fara Dharmastuti
MIX: JURNAL ILMIAH MANAJEMEN Vol. 15 No. 3 (2025): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2025.v15i3.014

Abstract

Objectives: Investor and regulator attention to sustainability practices has made Environmental, Social, and Governance (ESG) performance increasingly crucial for companies. This study examines the effect of ESG performance on financial performance with innovation as a mediator and external assurance as a moderator.Methodology: The study was conducted on 58 publicly listed Indonesian companies during the 2023–2024 period that have ESG Risk Rating scores from Morningstar Sustainalytics and have reported research and development expenses in their operations. SEM-PLS aims to analyze the developed model.Finding: The results show that (1) good ESG performance (indicated by a lower ESG Risk Rating) has a significant positive effect on ROE, indicating that better ESG performance is associated with higher financial performance; (2) innovation acts as a mediator, where sustainability practices encourage innovative activities that positively impact financial performance; and (3) external assurance strengthens the relationship between ESG and financial performance through enhanced reporting credibility and reduced information asymmetry..Conclusion: These findings affirm that ESG is not merely about compliance but a strategy to drive innovation and increase profits. The managerial implications include reducing ESG risk through measurable sustainability initiatives, strengthening investment in green research and development, and obtaining independent external assurance to enhance reporting credibility and increase investment opportunities.
Co-Authors Andreass Aryono Mantiri Elizabeth Agustine Shellyane Jonathan Laurentxius