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All Journal Asia-Pacific Management and Business Application Jurnal Inovasi Bisnis (Inovbiz) Distribusi International Journal of Financial and Investment Studies
Mariana Ing Malelak
Universitas Kristen Petra
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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Determinants of Intention of Using Mortgage in Financing Home Ownership in Surabaya Njo Anastasia; Lidya Priskila Thiosalim; Mariana Ing Malelak
APMBA (Asia Pacific Management and Business Application) Vol 10, No 1 (2021)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2021.010.01.4

Abstract

Expensive prices of houses compels an individual to make a purchase through a third party. This study aims to test the determinants of intention to use mortgage in financing home ownership in Surabaya. The sample was selected using purposive sampling form the population of Surabaya citizens who intended to use home ownership mortgage (Kredit Pemilikan Rumah, KPR). The data was analyzed is SmartPLS. This study finds that subjective norms, perceived behavioral control, knowledge of mortgage, and religiosity significantly affects the intention to use mortgage. Furthermore, attitude, however, does not affect it. The result of this study benefits bankers so that they are able to actively inform consumers about their mortgage products, to raise consumer’s intention to use them. Consumers will also be able to choose mortgage products that suit them best, and they can have a sense of security and convenience during the loan term.
PENGARUH FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGGUNAAN KARTU KREDIT Mariana Ing Malelak; Gesti Memarisa; Njo Anastasia
Inovbiz: Jurnal Inovasi Bisnis Vol 4, No 2 (2016)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (225.073 KB) | DOI: 10.35314/inovbiz.v4i2.79

Abstract

Abstract: This study aimed to determine the effect of demographic factors on credit card usage behavior. Demographic factors such as age, gender, income, education, marital status, according to some previous research has significant effect to credit card usage behavior, both it is related with spending activity with credit cards and also the pattern of payments in pay off credit card bills. Sampling was conducted on people  who  live  in  Surabaya, which  has  a  credit  card  either  as  primary and additional card holder. The data collection use questionnaires form, which is distributed to shopping center visitors in Surabaya. Descriptive analysis is used to decribe the demographic factors and credit card usage behavior. SEM-PLS test conducted  to  examine  the  effect  of  demographic factors  such  as  age,  gender, income, education, marital status on credit card usage behavior in Surabaya. The results showed demographic factors (age, income and marital status) significantly affect the credit card usage behavior (in terms of pay off credit card bills) in Surabaya.Keywords: Demographic Factors, Credit card usage behavior.
PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, DAN FINANCIAL SELF EFFICACY TERHADAP SAVING BEHAVIOR PADA PENGGUNA E-COMMERCE GENERASI Z Raynaldi Leroy Tendean; Bernadicta Thasia Charista; Mariana Ing Malelak
Distribusi - Journal of Management and Business Vol. 10 No. 2 (2022): Distribusi, September 2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v10i2.228

Abstract

Tujuan penelitian ini yaitu untuk mengetahui apakah financial knowledge, financial attitude, dan financial self-efficacy berpengaruh terhadap saving behavior. Untuk memperoleh data yang diperlukan dalam penelitian ini, penulis menggunakan metode survei atau pembagian kuesioner. Jumlah sampel yang digunakan pada penelitian ini adalah 100 orang responden. Metode analisis data yang digunakan adalah partial least squere (PLS). Dari hasil analisis diketahui bahwa variabel financial knowledge dan financial attitude memiliki pengaruh signifikan positif, sedangkan financial self-efficacy tidak berpengaruh signifikan terhadap saving behavior pada pengguna e-commerce generasi Z.
PENGARUH ATTITUDE, SUBJECTIVE NORM, PAST BEHAVIOR, DAN PERCEIVED CONTROL TERHADAP BUDGETING INTENTION MAHASISWA DI SURABAYA Jason Yulesviva Kurniawan; Mariana Ing Malelak; Dewi Astuti
International Journal of Financial and Investment Studies (IJFIS) Vol 1 No 1 (2020): APRIL 2020
Publisher : Finance and Investment Program, School of Business and Management - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/ijfis.1.1.21-29

Abstract

Pengelolaan keuangan merupakan hal yang penting bagi seseorang dalam mengatur pengeluaran dan pemasukan. Keseimbangan antara pemasukan dan pengeluaran memberikan benefit bagi seseorang dalam menentukan attitude, subjective norm, past behavior, dan perceived control terhadap budgeting intention. Sampel dari penelitian ini merupakan 100 mahasiswa yang berasal dari luar Surabaya yang berkuliah di Surabaya dan memiliki tempat tinggal di rumah kontrakan atau tempat tinggal kos-kosan. Pengumpulan data dengan menggunakan kuisioner berupa pernyataan tertutup melalui google form. Metode yang digunakan pada penelitian ini adalah metode asosiatif-kuantitatif. Analisa yang digunakan dalam penelitian ini adalah analisa Partial Least Square-Structural Equation Modelling (PLS-SEM) dengan dibantu program aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa attitude, subjective norm, past behavior, dan perceived control berpengaruh positif signifikan terhadap budgeting intention mahasiswa.
PENGARUH CORPORATE GOVERNANCE TERHADAP FIRM’S DEBT PADA PERUSAHAAN SEKTOR INDUSTRI BARANG KONSUMSI PERIODE 2013-2018 Francisca; Mariana Ing Malelak
International Journal of Financial and Investment Studies (IJFIS) Vol 1 No 1 (2020): APRIL 2020
Publisher : Finance and Investment Program, School of Business and Management - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/ijfis.1.1.30-41

Abstract

Era globalisasi menjadikan perusahaan menjadi bersaing dan menentukan strategi bisnis yang sesuai dengan kondisi perusahaan. Kemampuan perusahaan dalam menentukan kinerjanya akan meningkatkan daya saing perusahaan. Penelitian ini bertujuan untuk meneliti pengaruh corporate governance terhadap firm’s debt pada perusaha­an sektor industri barang konsumsi periode 2013-2018. Sampel yang digunakan adalah 31 perusahaan sektor industri barang konsumsi yang tercatat selama periode 2013-2018. Metode analisa data dilakukan dengan menggunakan regresi data panel dengan fixed effect model dan random effect model. Variabel kontrol yang digunakan pada penelitian ini terdiri dari profitability dan firm size. Hasil penelitian in menunjukkan bahwa board size dan board composition berpengaruh signifikan terhadap short term debt, board size tidak berpengaruh signifikan terhadap long term debt namun board composition berpengaruh signifikan terhadap long term debt, serta board size dan board composition tidak berpengaruh signifikan terhadap total debt.
THE INFLUENCE OF FEMALE DIRECTOR ON THE PROBABILITY OF COMPANIES EXPERIENCING FINANCIAL DISTRESS Stephanie Angelina Koerniawan; Mariana Ing Malelak
International Journal of Financial and Investment Studies (IJFIS) Vol 1 No 2 (2020): OCTOBER 2020
Publisher : Finance and Investment Program, School of Business and Management - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/ijfis.1.2.101-108

Abstract

This study aims to determine the effect of Female Director on the Probability of a Company Experiencing Financial Distress. Springate model is used to predict the probability of a company experiencing financial distress. This study compares the effect of female director on the probability of a company experiencing financial distress without control variables and using control variables. The control variables in this study are board size, firm size and leverage. The population in this study were manufacturing companies listed on the Indonesia Stock Exchange in the period 2013-2018. The samples in this study were 27 companies. The results of this study indicate that female directors have no significant effect on the probability of a company experiencing financial distress. By using control variables, it is shown that female directors do not significantly influence the probability of a company experiencing financial distress with the control variables such as board size, firm size, and leverage.
SPENDING PATTERNS ON MILLENNIAL GENERATION IN SURABAYA Mariana Ing Malelak; Nathania Mirabel Halim
International Journal of Financial and Investment Studies (IJFIS) Vol 2 No 1 (2021): APRIL 2021
Publisher : Finance and Investment Program, School of Business and Management - Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/ijfis.2.1.20-26

Abstract

This study aims to examine spending patterns in the millennial generation in Surabaya. Respondents of this study were the millennial generation who were divided into two age groups, namely 21-28 years old, who were referred to as junior millennials, and those aged 29-36 years who were referred to as senior millennials. The analysis technique used is a crosstab to examine the relationship between age and spending pattern of the millennial generation and an independent-sample t-test to test the difference between the spending pattern of the junior millennials and senior millennials. This study showed a significant relationship between age and spending pattern on the millennial generation, and there is a significant difference between the spending pattern of the junior millennials and senior millennials.
Co-Authors Bernadicta Thasia Charista Dewi Astuti Francisca Gesti Memarisa Jason Yulesviva Kurniawan Lidya Priskila Thiosalim Nathania Mirabel Halim Njo Anastasia Raynaldi Leroy Tendean Stephanie Angelina Koerniawan