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All Journal Manajemen Bisnis Kompetensi Ilmiah Manajemen Bisnis Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Ekonomi Manajemen Sistem Informasi Dinasti International Journal of Education Management and Social Science Ideguru: Jurnal Karya Ilmiah Guru Komitmen : Jurnal Ilmiah Manajemen International Journal of Science and Society (IJSOC) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) JURNAL ILMIAH GEMA PERENCANA Majority Science Journal ENDLESS : International Journal of Future Studies Journal of Multidisciplinary Academic Business Studies Journal of Multidisciplinary Academic and Practice Studies Jurnal Ilmiah Pendidikan Citra Bakti Global Academy of Business Studies Journal of Digital Business and Marketing
Eka Desy Purnama
Universitas Kristen Krida Wacana
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Social Sciences Other

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The Effect of Service Quality and Facilities on the Satisfaction of BPJS Class 1 Patients with Hospital Image as an Intervening Variable at the Non-class Inpatient Installation of Tangerang General Hospital Maryani, Rani; Widjaja, Bernard T.; Purnama, Eka Desy
ENDLESS: INTERNATIONAL JOURNAL OF FUTURE STUDIES Vol. 7 No. 1 (2024): ENDLESS: International Journal of Future Studies
Publisher : Global Writing Academica Researching & Publishing

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

Abstract

The non-class service implemented in the inpatient installation of Tangerang General Hospital causes all BPJS insurance participants to receive class 3 services and facilities. This raises the question of whether BPJS class 1 participants are satisfied with the services they receive and what innovations need to be implemented by Tangerang General Hospital. This study uses a quantitative method that aims to determine the effect of service quality and facilities on hospital image so that it affects the satisfaction of class 1 patients in the non-class inpatient installation of Tangerang General Hospital. The research sample taken was class 1 BPJS patients who were admitted to the inpatient installation of Tangerang General Hospital in August - September 2023, with a total sample of 85 respondents. Data were obtained through questionnaires distributed according to the inclusion and exclusion criteria. The analysis technique used was SEM-PLS (Structural Equation Model-Partial Least Square). The results show that all hypotheses are supported by existing data, where it is proven that the quality of service and facilities each has a significant positive effect on patient satisfaction. The results also show that hospital image mediates the positive effect of service quality on patient satisfaction and mediates the positive effect of facilities on patient satisfaction
Efek Mediasi Pengetahuan Risiko pada Pengaruh Literasi Keuangan dan Perilaku Keuangan Terhadap Keputusan Pengambilan Kredit (Studi pada PT. Wom Finance Cabang Semarang) Sitompul, Swito; Purnama, Eka Desy; Lumbantobing, Rudolf
Jurnal Ilmiah Universitas Batanghari Jambi Vol 24, No 1 (2024): Februari
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v24i1.4535

Abstract

The purpose of this study was to analyze the mediating effect of risk knowledge on the effect of financial literacy and financial behavior on credit decision making (study at pt. wom finance Semarang branch). Quantitative research method with SmartPLS analyzer. Sample 100 people by distributing questionnaires. The results of literacy research did not prove the influence on credit decision making. Risk knowledge has a positive and significant effect on credit decision making. Increasing one's knowledge of risk, has an impact on increasing decisions to take credit. There is not enough evidence to state that Financial Behavior has a positive effect on Credit Decision Making. Financial Behavior has a positive and significant effect on Risk Knowledge.
STRATEGI PENGEMBANGAN MANAJEMEN LAYANAN BIMBINGAN DAN KONSELING MELALUI PENERAPAN LAYANAN BIMBINGAN KLASIKAL BERBASIS PERMAINAN KELOMPOK UNTUK MENINGKATKAN INTERAKSI SOSIAL SISWA Ivantoro, Donald; Purnama, Eka Desy; Budiman, Januar; Santoso, Edi J.
Jurnal Ilmiah Pendidikan Citra Bakti Vol. 12 No. 4 (2025): Jurnal Ilmiah Pendidikan Citra Bakti
Publisher : STKIP Citra Bakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38048/jipcb.v12i4.5931

Abstract

Penelitian ini bertujuan untuk meningkatkan interaksi sosial siswa kelas X di SMA Kristen Petra 4 Sidoarjo melalui penerapan layanan bimbingan klasikal berbasis permainan kelompok, sekaligus sebagai strategi pengembangan manajemen layanan Bimbingan dan Konseling (BK) di sekolah. Masalah interaksi sosial yang muncul ditandai dengan terbentuknya kelompok-kelompok tertentu yang menghambat komunikasi antar siswa, dipengaruhi oleh perbedaan latar belakang sekolah asal. Pendekatan yang digunakan dalam penelitian ini adalah Penelitian Tindakan Bimbingan dan Konseling, dilaksanakan dalam dua siklus. Setiap siklus terdiri dari tahapan perencanaan, tindakan, observasi, dan refleksi. Subjek penelitian adalah 27 siswa kelas X. Intervensi dilakukan melalui layanan klasikal menggunakan empat permainan kelompok. Instrumen yang digunakan meliputi lembar observasi, penilaian antar teman, dan penilaian guru. Data dianalisis secara deskriptif kuantitatif. Hasil menunjukkan adanya peningkatan signifikan dalam aspek interaksi sosial siswa. Berdasarkan penilaian guru, siswa dengan kategori interaksi sosial tinggi meningkat dari 11,1% menjadi 74,1%, dan kategori sangat tinggi meningkat dari 0% menjadi 11,1%. Penilaian antar teman juga menunjukkan peningkatan yang konsisten. Penelitian ini menegaskan bahwa layanan bimbingan klasikal berbasis permainan kelompok efektif sebagai bagian dari strategi pengelolaan layanan BK yang adaptif, partisipatif, dan menyenangkan.
THE INFLUENCE OF TEACHER PERFORMANCE AND EDUCATIONAL SERVICES ON PARENTS' DECISIONS TO CHOOSE A SCHOOL MEDIATED BY PARENTS' SATISFACTION AT PENABUR SUMMARECON BEKASI JUNIOR HIGH SCHOOL Rosari, Fransisca Andriana Titi; T. Widjaja, Bernard; Purnama, Eka Desy
MSJ : Majority Science Journal Vol. 3 No. 4 (2025): MSJ-November
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/msj.v3i4.465

Abstract

Education is the main foundation in forming a quality future generation. Teacher performance plays a central role in achieving the goal of quality education, but this performance is not only influenced by individual factors, but also by external factors such as school leadership and the quality of educational services. SMPK PENABUR Summarecon Bekasi, as the youngest school in the SMPK BPK PENABUR Jakarta environment, continues to strive to improve the quality of education and services, but to date the number of students has not reached the school's ideal capacity. Based on new student admission data for the past eleven years, the number of students still fluctuates and tends not to meet the school's capacity target. In addition, the results of the customer service index survey indicate that several indicators related to teacher performance and school services are still below the expected target. This indicates the need for an in-depth study of the factors that influence parents' decisions in choosing a school for their children, especially at SMPK PENABUR Summarecon Bekasi. This study aims to determine the influence of teacher performance and educational services on parents' decisions in choosing a school, with parental satisfaction as a mediating variable. Located at SMPK BPK PENABUR Jakarta and totaling 100 (One Hundred) Parents and all members of the population as well as samples so that this study is a census study. The results of this analysis indicate that all indicators used in this study are valid and reliable. This study uses a Structural Equation Modeling (SEM) approach based on Partial Least Square (PLS) using SmartPLS 3.3 software. This study provides evidence of a positive and significant influence
Penggunaan Coaching Model GROW ME untuk Meningkatkan Keterampilan Manajemen Kelas Guru Kelas I Sabandar, Veronica Franciska; Purnama, Eka Desy; Heryanto, Januar
Ideguru: Jurnal Karya Ilmiah Guru Vol. 10 No. 3 (2025): September 2025 Edition
Publisher : Dinas Pendidikan, Pemuda dan Olahraga Daerah Istimewa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51169/ideguru.v10i3.2032

Abstract

This study aims to improve the classroom management skills of first grade teachers at SD Lentera Harapan Tolikara through the implementation of the GROW ME coaching model (Goal, Reality, Options, Will, Monitoring, Evaluation). Classroom management is a key element in creating a conducive and effective learning environment. The GROW ME coaching model is applied to help teachers design and achieve more effective goals in classroom management. This research uses the Action Research method with a cyclical approach consisting of planning, implementation, observation, and evaluation stages. The subjects of the study consist of two first-grade teachers who actively participated in the coaching process. The results show a significant improvement in the classroom management skills of both teachers. In the first cycle, classroom management scores increased by 43% and 48%, and in the second cycle, they rose to 52% and 69%, exceeding the success target set at a minimum of 40%. Based on these findings, it can be concluded that the GROW ME coaching model is effective in improving teachers' classroom management skills, leading to a more effective and conducive learning atmosphere. It is hoped that the school will continue the implementation of the GROW ME coaching model to support the professional development of teachers.
The effect of financial literacy, financial experience, financial self-efficacy on consumption behavior with financial technology as a mediating variable in the millennial generation Girsang, Febrina Jayanti; Purnama, Eka Desy
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 2 (2025): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i2.2695

Abstract

Purpose: This study aims to examine the influence of financial literacy, financial experience, and financial self-efficacy on consumption behavior with financial technology as a mediating variable in the millennial generation. Research Methodology: A quantitative approach was applied using purposive sampling of 200 active e-commerce users aged 29–44 years with prior FinTech experience. Data were collected through online questionnaires and analyzed using the WarpPLS structural equation modeling. Validity, reliability, and hypothesis testing were conducted using SmartPLS 3.0. Results: The findings show that financial literacy, financial experience, and financial self-efficacy each have a significant positive effect on consumption behavior. Financial self-efficacy had the strongest direct effect. Mediation testing revealed that FinTech significantly mediated the relationship between financial self-efficacy and consumption behavior, but did not significantly mediate financial literacy or financial experience. The model explains 77% of the variance in consumption behavior and 72% through fintech mediation. Conclusions: Millennials’ financial behavior is mainly driven by self-efficacy, with fintech enhancing this effect, while its role in mediating financial literacy and experience remains limited. Limitations: The study is restricted to millennials in Indonesia and e-commerce contexts, with cross-sectional data that limit causal inference Contribution: This study highlights financial self-efficacy as the main driver of responsible consumption in the fintech era and provides insights into designing programs that combine literacy, experience, and confidence building.
The Effect of Liquidity and Solvency on Company Value With Profitability as a Mediating Variable Chella , Chella; Purnama, Eka Desy
Journal of Multidisciplinary Academic and Practice Studies Vol. 4 No. 1 (2026): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomaps.v4i1.3837

Abstract

Purpose: This study examines the effect of liquidity and solvency on firm value, with profitability as a mediating variable, using empirical evidence from PT Panca Budi Idaman Tbk during the 2017–2024 period. Research methodology: This study employs a quantitative approach using secondary data from the company’s published financial statements. Liquidity is measured by the Current Ratio, solvency by the Debt to Equity Ratio (DER), profitability by Return on Assets (ROA), and firm value by Tobin’s Q. Data are analyzed using multiple linear regression and mediation analysis, supported by classical assumption tests and the Sobel test. Results: The results show that liquidity has a positive and significant effect on profitability, while solvency has a negative and significant effect on profitability. Profitability positively and significantly affects firm value. Liquidity also has a positive and significant direct effect on firm value, whereas solvency does not have a significant direct effect. Mediation analysis confirms that profitability significantly mediates the relationship between liquidity and firm value, as well as between solvency and firm value. Conclusions: The study concludes that profitability plays a key mediating role in transforming liquidity conditions and capital structure decisions into higher firm value, supporting signaling theory that strong financial performance sends positive signals to the market. Limitations: The study is limited to a single listed company and selected financial ratios, which may restrict generalizability. Contribution: This research contributes empirical evidence on profitability as a mediating mechanism linking liquidity and solvency to firm value and provides practical insights for managers and investors.
Towards the financial well-being of Gen-Z: A study at Tri Ratna School – Jakarta with Locus of Control as a mediation variable Liny, Liny; Purnama, Eka Desy
Global Academy of Business Studies Vol. 1 No. 2 (2024): October
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/gabs.v1i2.3390

Abstract

Purpose: This study aimed to analyze the influence of financial literacy and lifestyle on financial well-being among Generation Z (Gen-Z), with the locus of control as a mediating variable. In this study, the locus of control refers to an individual's belief in internal and external influences in decision-making or taking action, which is expected to mediate the relationship between financial literacy, lifestyle, and financial well-being. Research methodology: The data used in this study were collected through a survey of Gen-Z students, teachers, and staff members at Tri Ratna School-Jakarta, aged between 16 and 27 years. The analysis was conducted using Partial least squares structural equation modeling (PLS-SEM) was used to test the relationships between variables. Results: This study’s findings are expected to provide insights into the importance of financial literacy and the influence of lifestyle in shaping the financial well-being of Gen Z, as well as the role of locus of control in strengthening or weakening these influences. The findings are expected to serve as a reference for financial education and the development of more effective policies to improve the financial well-being of younger generations in Indonesia, particularly at Tri Ratna School-Jakarta. Conclusions: Financial well-being among Gen-Z is determined not only by literacy and lifestyle but also by the locus of control, which functions as a psychological driver of effective financial behavior. Integrating financial education with self-control and lifestyle management can improve financial resilience. Limitations: This study was limited to one institution in Jakarta, which may not represent a broader population. It also relies on self-reported data that may be biased. Contribution: This research contributes to financial education by highlighting the importance of the locus of control and lifestyle choices in shaping Gen’s financial well-being, providing insights for schools and policymakers.
The Role of Financial Attitude in Mediating the Influence of Digital Financial Literacy and Impulsivity on Financial Decision Making of Tech-Savvy Investors in DKI Jakarta William, William; Purnama, Eka Desy
Dinasti International Journal of Education Management and Social Science Vol. 7 No. 3 (2025): Dinasti International Journal of Education Management and Social Science (Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v7i3.6053

Abstract

Financial literacy play a pivotal role in the economy and community welfare. In the digital era, the ability to navigate financial technology is crucial for making rational investment decisions. However, a paradox exists in Indonesia where high digital adoption does not necessarily correlate with active or rational financial behavior, often due to psychological factors like impulsivity. This study aims to analyze the influence of Digital Financial Literacy and Impulsivity on Financial Decision Making among tech-savvy investors in DKI Jakarta, with Financial Attitude as a mediating variable. Using a quantitative approach, data were collected from 200 respondents categorized as tech-savvy investors through purposive sampling. The data were analyzed using Structural Equation Modelling (SEM) based on Partial Least Squares (PLS) with SmartPLS 4 software. The results demonstrate that Digital Financial Literacy has a significant positive effect on Financial Decision Making, while Impulsivity has a significant negative effect. Furthermore, Financial Attitude significantly mediates these relationships; it is positively shaped by Digital Financial Literacy and negatively impacted by Impulsivity. The study concludes that fostering a prudent Financial Attitude is essential for mitigating the adverse effects of Impulsivity in the digital investment landscape. These findings suggest that stakeholders must integrate behavioral interventions alongside technical education.
Financial Performance and Operational Efficiency: A Financial Ratio and Value-for-Money Analysis Perastia, Sunardi; Purnama, Eka Desy
Global Academy of Business Studies Vol. 2 No. 3 (2026): January
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/gabs.v2i3.3873

Abstract

Purpose: This study aims to evaluate the financial performance of RS UKRIDA, a private teaching hospital, using financial ratio analysis and the Value for Money (VfM) approach. The evaluation is crucial for assessing the hospital’s financial management, considering its dual role as a healthcare provider and an educational institution. Research methodology: A quantitative descriptive approach is employed, analyzing RS UKRIDA's financial statements (income statement, balance sheet, and budget realization reports) for the 2023–2024 period. Financial ratios assess liquidity, solvency, profitability, and activity, while the VfM approach evaluates economy, efficiency, and effectiveness in financial management. Results: The study finds that RS UKRIDA shows efficient budget utilization, but economic and effectiveness aspects need improvement, particularly in budget control and revenue target achievement. Financial ratios reveal weak liquidity and solvency, and negative profitability, though some improvement is observed during the study period. Conclusions: RS UKRIDA exhibits operational efficiency but lacks financial stability and optimal revenue realization. The combination of financial ratio analysis and VfM provides a comprehensive view, indicating the need for a balanced approach to improve financial performance. Limitations: The study is limited by its focus on a single institution and its reliance on secondary financial reports, which may not fully capture non-financial aspects of performance. Contribution: This research offers valuable insights for RS UKRIDA’s management in improving financial performance and provides an academic reference for future studies on financial management in private teaching hospitals.
Co-Authors Adelia, Lisa Adirinekso, Gidion Budiman, Januar Chella , Chella Cristianto, Rendy Cynthia Deni Iskandar Diana Frederica Fransiskus Haris Leonard Girsang, Febrina Jayanti Hery Winoto TJ Hong, Joni Hutapea, Martogi Daniel Rudyanto Ivantoro, Donald Januar Heryanto Leny Apriyanti Liny, Liny Madali, Claudia Maryani, Rani Melitina Tecoalu Perastia, Sunardi Rita Widayanti Rosari, Fransisca Andriana Titi Rudolf Lumbantobing, Rudolf Sabandar, Veronica Franciska Santoso, Edi J. Sitompul, Swito Sri Wahyuni Subagyo Subagyo T. Widjaja, Bernard Utami, Kintan Wani Devita Gunardi Widjaja, Bernard T. William William