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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ilmu Manajemen (JIM) El Dinar The Indonesian Accounting Review Journal of Business & Banking EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Manajemen & Keuangan Distribusi INVENTORY: JURNAL AKUNTANSI Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Jurnal Samudra Ekonomi dan Bisnis Business and Finance Journal Dinasti International Journal of Education Management and Social Science Jurnal Riset Bisnis dan Manajemen Jurnal Kedaymas Jurnal Iqtisaduna Golden Ratio of Finance Management JWM (JURNAL WAWASAN MANAJEMEN) Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis JPS (Jurnal Perbankan Syariah)
Lutfi Lutfi
Universitas Hayam Wuruk Perbanas
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Industrial & Manufacturing Engineering Other

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THE EFFECT OF MATERIALISM AND FINANCIAL KNOWLEDGE ON FINANCIAL STRESS: THE ROLE OF PRESENT FATALISTIC AND MARITAL STATUS Lutfi, Lutfi; Firdaus, Dimas Gita Ramadhan; Dwiyanti, Elicia Aprillia; Dela Renta, Yolanda
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 11, No 3 (2022): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (421.615 KB) | DOI: 10.26418/jebik.v11i3.54726

Abstract

The conditions of the Covid 19 outbreak during 2019 and 2020 made some people lose their jobs or income, which resulted in increased financial pressures. This research examines the influence of present fatalistic, materialism, financial knowledge, and marital status on financial stress. Data were collected using a questionnaire. The number of samples that can be processed in the study was 484 respondents. The analysis technique used is the partial least squares structural equation modeling (PLS-SEM). The direct test results show that present fatalistic and materialism significantly increase financial stress, while financial knowledge and marital status reduce financial stress. Present fatalistic has been shown to positively mediate materialism's effect on financial stress. Meanwhile, marital status strengthens the negative influence of financial knowledge on financial pressure. It means that marital status encourages someone with good financial knowledge to use their ability to manage their finances to avoid financial stress. This study recommends to the public the importance of controlling materialistic behavior, reducing hopelessness, and increasing self-control to reduce financial pressureJEL : D12, D14.ABSTRAKKondisi wabah Covid 19 selama tahun 2019 dan 2020 membuat sebagian masyarakat kehilangan pekerjaan atau penghasilannya, yang mengakibatkan tekanan keuangan semakin meningkat. Penelitian ini menguji pengaruh fatalistik masa kini, materialisme, pengetahuan keuangan, dan status perkawinan terhadap tekanan keuangan. Pemilihan sampel didasarkan pada metode purposive sampling, dan pengumpulan data dilakukan dengan menggunakan kuesioner. Jumlah sampel yang dapat diolah adalah 484 responden. Teknik analisis yang digunakan adalah Partial Least Square Structural Equation Modeling (PLS-SEM). Hasil pengujian pengaruh langsung menunjukkan bahwa fatalistik masa kini dan materialisme secara signifikan meningkatkan tekanan keuangan, sedangkan pengetahuan keuangan dan status perkawinan mengurangi tekanan keuangan. Fatalistik masa kini terbukti secara positif memediasi pengaruh materialisme pada tekanan keuangan. Sementara itu, status perkawinan memperkuat pengaruh negatif pengetahuan keuangan terhadap tekanan keuangan. Hal ini berarti bahwa status perkawinan mendorong seseorang yang memiliki pengetahuan keuangan yang baik untuk menggunakan pengetahuan tersebut dalam mengelola keuangannya agar terhindar dari tekanan keuangan. Studi ini merekomendasikan kepada masyarakat pentingnya mengendalikan perilaku materialistis, mengurangi keputusasaan, dan meningkatkan pengendalian diri untuk mengurangi tekanan keuangan.Kata Kunci : tekanan keuangan, materialisme, pengetahuan keuangan, fatalistik masa kini, status perkawinan.
Determinants Of Islamic Bank Financing During Economic Turbulence Selian, Mardiah Mutiara Puspitasari; Lutfi, Lutfi
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1615

Abstract

The Covid-19 outbreak has caused turbulence in Indonesia's economic growth, thereby disrupting the performance of Islamic banks, especially in the distribution of financing. This research examines the influence of economic turbulence, third-party deposits, bank size, capital and profitability on financing disbursed by Islamic banks in Indonesia. The population of this research is Islamic commercial banks in Indonesia in the 2017-2022 period. The sample selection used a purposive sampling method and obtained ten Islamic banks. The data analysis technique uses panel data analysis with a fixed effect model. The research results prove that third-party deposits positively and significantly impact financing, while bank size and capital negatively and significantly impact financing. However, economic turbulence and profitability do not affect financing. When financing is divided based on contracts, economic turbulence negatively impacts profit-sharing-based financing, and profitability negatively impacts receivables-based financing. These findings can be a reference for Islamic banks to maintain the availability of third-party deposit funds to support financing expansion and further optimize their capital by channelling it to more productive assets in the form of financing. These findings can complement existing theories and support the business cycle theory that Islamic banks tighten financing based on profit sharing, which carries higher risks.
The Influence of Internal and External Factors of Banks on the Profitability of Regional Development Banks in Indonesia Utami Tyas; Lutfi Lutfi
Dinasti International Journal of Education Management And Social Science Vol. 6 No. 4 (2025): Dinasti International Journal of Education Management and Social Science (April
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v6i4.4366

Abstract

Banking is a crucial component of the financial sector, serving as the backbone of a country's economy. It functions as an intermediary institution that gathers funds from surplus parties and distributes them to those in need. As a business entity, banks inherently aim to generate profits while fulfilling their roles as financial intermediaries and development agents (Garr & Awadzie, 2021). This study aims to analyze the impact of internal factors—such as credit distribution, capital participation, liquidity, fee-based income, and bank size—as well as external factors like GDP on the profitability (ROA) of conventional Regional Development Banks (BPD) in Indonesia from 2013 to 2023. Utilizing panel data analysis with 23 samples, the findings reveal that credit distribution, fee-based income, and GDP do not significantly affect profitability. In contrast, capital participation and liquidity have a significant positive impact, whereas bank size has a significantly negative effect on profitability.
Perilaku Keuangan dalam Memediasi Spiritualitas, Kontrol Diri, Literasi Keuangan Terhadap Kepuasan Keuangan Arief, Moch; Lutfi, Lutfi
JWM (JURNAL WAWASAN MANAJEMEN) Vol. 14 No. 1 (2026):
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jwm.v14i1.418

Abstract

Penelitian ini bertujuan untuk menguji pengaruh spiritualitas, pengendalian diri, dan literasi keuangan terhadap kepuasan keuangan dengan perilaku keuangan sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif menggunakan Partial Least Squares-Structural Equation Modeling (PLS-SEM) terhadap 116 responden di Kabupaten Bojonegoro. Temuan penelitian menunjukkan bahwa spiritualitas tidak secara langsung memengaruhi kepuasan keuangan, tetapi memiliki pengaruh tidak langsung yang signifikan melalui perilaku keuangan, yang menunjukkan peran mediasi penuh. Pengendalian diri menunjukkan pengaruh langsung dan tidak langsung, yang menunjukkan mediasi parsial. Sementara itu, literasi keuangan memengaruhi kepuasan keuangan hanya secara tidak langsung melalui perilaku keuangan, yang juga mencerminkan mediasi penuh. Hasil ini menegaskan bahwa perilaku keuangan berfungsi sebagai jalur penting yang menjembatani faktor-faktor psikologis, spiritual, dan berbasis pengetahuan dengan kepuasan keuangan. Kontribusi penelitian ini terletak pada integrasi teoretis spiritualitas, pengendalian diri, dan literasi keuangan ke dalam kerangka kerja yang komprehensif untuk memahami kepuasan keuangan. Secara praktis, penelitian ini menggarisbawahi pentingnya pendidikan keuangan yang menggabungkan nilai-nilai spiritual dan psikologis untuk mendorong perilaku keuangan yang bertanggung jawab dan meningkatkan kesejahteraan individu dan rumah tangga. Secara kontekstual, penelitian ini memperkaya literatur dengan memberikan bukti empiris dari Kabupaten Bojonegoro, lingkungan sosial budaya yang unik yang sering diabaikan dalam penelitian sebelumnya, sehingga memperluas wawasan tentang perilaku keuangan dalam lingkungan budaya yang beragam.
The Effect Of Financial Technology And Financial Capability On Financial Satisfaction With The Mediation Of Financial Behavior Iswinarti Margiana; Lutfi Lutfi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.9400

Abstract

This study aims to analyze the effect of Financial Technology and Financial Capability on Financial Satisfaction with Financial Behavior as a mediating variable. The research was conducted on household financial managers in Pasuruan City using a quantitative survey approach. The sampling technique combined purposive and snowball sampling, and the collected data were analyzed using Partial Least Squares (PLS-SEM). The results indicate that Financial Technology, Financial Capability, and Financial Behavior each have a positive and significant effect on Financial Satisfaction. Furthermore, Financial Behavior was found to partially mediate the relationship between Financial Technology and Financial Satisfaction, but it did not significantly mediate the relationship between Financial Capability and Financial Satisfaction. These findings highlight that while financial technology adoption and financial capability directly enhance satisfaction, financial behavior plays a crucial role in strengthening the positive effect of technology adoption. The study contributes both theoretically and practically by providing empirical evidence on the role of financial behavior in the digital era and offering insights for policymakers and financial institutions to design more effective financial literacy and inclusion strategies.
Co-Authors Abadi, Andreas Roy Dirgantara Antika Budiningrum Ardhianti, Christin Arief, Moch Arnanto, Tito Teguh Astri Kusuma Wardani Dela Renta, Yolanda Dwiyanti, Elicia Aprillia Elma Hariani Farach Aliyyah Putri Suryadie Firdaus, Dimas Gita Ramadhan Husna, Nur Af’idatul Indria Fatmawati Iramani, Rr Iswinarti Margiana Jihan Zakiyah Permana Kiki Marti Diana Maulidatur Rohmah Meliza Silvy Nadya Septi Nur Aini Nur'aini Rokhmania Putri Asiza Agustien Aulia Rahmah Reni Tri Purniawati Ririn Poerwanti Poerwanti Rr. Iramani Satrida, Galuh Selian, Mardiah Mutiara Puspitasari Shintani, Nadella Putri Sofi Ariani Soni Harsono Susilowati, Arlianti Agil Tirani Rahma Brilianti Tomi Arganata Uswatun Hasanah Utami Tyas Vita Prihatiningrum Yulian Belinda Yurisha Ramadhani Putri