Garuda - Garba Rujukan Digital

PERAN LITERASI KEUANGAN, PENGETAHUAN INVESTASI, DAN UANG SAKU TERHADAP KEPUTUSAN INVESTASI PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS DIAN NUSWANTORO Nayla Ristyanindita Hendris; Vicky Oktavia; Dian Prawitasari; Suhita Whini Setyahuni
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 2 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/qfk3fz40

Perkembangan aktivitas investasi di kalangan mahasiswa menunjukkan peningkatan seiring dengan kemudahan akses terhadap berbagai instrumen keuangan. Namun, kemampuan mahasiswa dalam mengambil keputusan investasi yang rasional dan terencana masih menjadi permasalahan yang perlu mendapat perhatian. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, pengetahuan investasi, dan uang saku terhadap keputusan investasi mahasiswa Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro. Populasi penelitian mencakup seluruh mahasiswa aktif Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro sebanyak 2.537 mahasiswa, dengan sampel penelitian berjumlah 133 responden yang ditentukan melalui teknik purposive sampling, yaitu mahasiswa yang pernah melakukan investasi serta telah atau sedang menempuh mata kuliah yang berkaitan dengan manajemen keuangan, pasar modal, atau investasi. Data dikumpulkan menggunakan kuesioner berskala Likert lima poin dan dianalisis menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi keuangan, pengetahuan investasi, dan uang saku berpengaruh positif dan signifikan terhadap keputusan investasi mahasiswa, dengan pengetahuan investasi sebagai variabel yang memiliki pengaruh paling dominan. Nilai koefisien determinasi (R²) sebesar 0,708 menunjukkan bahwa ketiga variabel independen mampu menjelaskan 70,8% variasi keputusan investasi. Penelitian ini memberikan kontribusi dengan mengintegrasikan literasi keuangan, pengetahuan investasi, dan uang saku dalam satu model keputusan investasi mahasiswa.

Pengaruh Kualitas Konten terhadap Pendapatan Influencer dengan Engagement rate sebagai Variabel Mediasi Naily Fithri Karima; Agus Prayitno; Amalia Nur Chasanah; Vicky Oktavia
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11428

The rapid growth of social media has fostered the emergence of influencers as a key element in modern digital marketing strategies. Influencer income is no longer determined solely by the number of followers but is also influenced by content quality and audience engagement rate. This study aims to examine the effect of content quality on influencer income with engagement rate as a mediating variable. A quantitative research approach was employed using a survey method. The sample consisted of 120 influencers in Indonesia selected through purposive sampling. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The results indicate that content quality has a positive and significant effect on both engagement rate and influencer income. Furthermore, engagement rate also has a positive and significant effect on influencer income. However, the indirect effect analysis reveals that engagement rate does not mediate the relationship between content quality and influencer income. These findings suggest that content quality has a more dominant direct impact on influencer income rather than through engagement mechanisms. This study provides practical implications for influencers to prioritize content quality improvement as a key strategy for increasing income, and for brands to consider content quality alongside engagement rate when selecting influencers for collaborations.

Peran Digital Payment, Literasi Keuangan, dan Gaya Hidup terhadap Perilaku Keuangan Mahasiswa Ermasanti Mahmudah; Vicky Oktavia; Diana Puspitasari; Rudi Kurniawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i5.11825

The rapid development of financial technology, financial literacy, and student lifestyles can influence financial behavior. The purpose of this study was to analyze the influence of digital payments, financial literacy, and lifestyle on students' financial behavior. A quantitative method was used, involving 150 respondents from the Faculty of Economics and Business, Dian Nuswantoro University, and was taken through a purposive sampling technique. Data were collected from questionnaires and analyzed using SPSS version 25. The results showed that digital payments and financial literacy had a positive effect on financial behavior, while lifestyle had a negative effect on financial behavior. These findings imply that increasing financial knowledge and planning, including saving habits, controlling consumptive behavior, and wise use of fintech services, effectively shape students' financial attitudes.

Faktor-Faktor Penentu Minat Generasi Z dalam Penggunaan Buy Now Paylater pada Mahasiswa Universitas Dian Nuswantoro Semarang Tharisya Alvita Cahyarani; Vicky Oktavia; Ariati Anomsari; Almira Santi Samasta
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11115

This study aims to identify the factors influencing the interest of Universitas Dian Nuswantoro students in using Buy Now Pay Later (Paylater) services. The research focuses on three aspects: Perceived Ease of Use, Functional Financial Needs, and Hedonistic Lifestyle. The method employed is descriptive quantitative research with a survey approach. The study involved 160 students who had previously used Paylater services. The collected data were analyzed using SmartPLS 4 software, examining validity, reliability, and structural model tests. The results indicate that Hedonistic Lifestyle positively and significantly affects the intention to use Paylater, followed by Functional Financial Needs, which also have a significant influence. Meanwhile, Perceived Ease of Use does not have a significant effect, as young people, particularly Generation Z, are already very familiar with various digital applications, making operational ease not a primary factor. The study concludes that students’ interest in using Paylater is more influenced by their consumption patterns and financial needs rather than the technical aspects of the system. Based on these findings, several recommendations are offered: to enhance education on the responsible use of Paylater services and to provide clear information about the services so that users can manage their expenses more effectively.

Menentukan Pengaruh Makroekonomi dan Internal Bank Terhadap Risiko Kredit pada Bank Umum Konvensional Indonesia Keisha Nabiila Endriani; Maria Safitri; Diana Puspitasari; Vicky Oktavia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11812

This study was conducted to identify the impact of macroeconomic variables and internal banking factors on the level of credit risk, known as Non-Performing Loans (NPL), in conventional commercial banks in Indonesia. The macroeconomic variables considered included the rupiah exchange rate, interest rates, and GDP (Gross Domestic Product), while the internal bank factors included ROE (Return On Equity), LDR (Loan to Deposit Ratio), and CAR (Capital Adequacy Ratio). A quantitative approach was applied using secondary data from 2019 to 2024 and a panel regression technique with the REM model. The study sample included 10 conventional commercial banks selected using a purposive sampling method. The study findings revealed that interest rates and ROE had a significant negative effect on NPLs, while LDR showed a significant positive impact on NPLs. On the other hand, the rupiah exchange rate, GDP, and CAR did not show a significant effect on NPLs. Overall, all independent variables jointly influence credit risk.

Dampak Implementasi Tata Kelola Teknologi Informasi (IT Governanace) Terhadap Return on Asset (ROA) Indra Yudha Mailana; Linda Ayu Oktoriza; Maria Safitri; Vicky Oktavia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11952

Given technological developments and globalization, effective IT governance has become crucial in supporting corporate objectives. This study analyzes the impact of IT governance implementation on financial performance, as measured by Return on Assets (ROA), in industrial companies listed on the Indonesia Stock Exchange. This study examines the relationship between the elements of IT governance, namely Board IT Governance Processes (BITGP), Board IT Governance Structure (BITGS), and Board IT Governance Relational (BITGR) with Return on Assets (ROA). The results show that these three elements have a positive and significant effect on Return on Assets (ROA), indicating that good IT governance can improve operational performance and create added value for companies. These results support agency theory and emphasize the importance of effective communication between management and stakeholders. This study recommends that companies strengthen their IT governance structures and processes in order to adapt to the digital era and innovate, thereby improving their competitiveness and long-term financial.

Determinants of Firm Financial Performance: A Panel Data Analysis of Macroeconomic Stability and Market Factors in LQ45 Companies in Indonesia Mohammad Sofyan; Fatchur Rochman; Indah Purnama Sari Mardjuni; Vicky Oktavia; Mochamad Ramza Rapier Gussa
Greenation International Journal of Economics and Accounting Vol. 4 No. 1 (2026): Greenation International Journal of Economics and Accounting (March - April 202
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijea.v4i1.809

This study aims to examine the factors affecting the financial performance of companies included in the LQ45 index on the Indonesia Stock Exchange by integrating macroeconomic stability and market-based indicators. Financial performance is measured by return on equity, while the independent variables include inflation, exchange rate, price-to-book value, dividend yield, and firm size. This study employs a quantitative approach using panel data from 37 companies over the period 2021 to 2025. The data are analyzed using panel regression with model selection conducted through Chow test, Lagrange Multiplier test, and Hausman test. The results indicate that the fixed effect model is the most appropriate model. Partially, price-to-book value, dividend yield, and firm size have a positive and significant effect on financial performance, while the exchange rate has a negative and significant effect. Inflation does not have a significant effect on financial performance. These findings indicate that firm-specific factors play a more dominant role than macroeconomic variables in determining financial performance. This study contributes to financial literature in emerging markets and provides insights for investors and policymakers in decision making.

Menentukan Pengaruh Makroekonomi dan Internal Bank Terhadap Risiko Kredit pada Bank Umum Konvensional Indonesia Keisha Nabiila Endriani; Maria Safitri; Diana Puspitasari; Vicky Oktavia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11812

This study was conducted to identify the impact of macroeconomic variables and internal banking factors on the level of credit risk, known as Non-Performing Loans (NPL), in conventional commercial banks in Indonesia. The macroeconomic variables considered included the rupiah exchange rate, interest rates, and GDP (Gross Domestic Product), while the internal bank factors included ROE (Return On Equity), LDR (Loan to Deposit Ratio), and CAR (Capital Adequacy Ratio). A quantitative approach was applied using secondary data from 2019 to 2024 and a panel regression technique with the REM model. The study sample included 10 conventional commercial banks selected using a purposive sampling method. The study findings revealed that interest rates and ROE had a significant negative effect on NPLs, while LDR showed a significant positive impact on NPLs. On the other hand, the rupiah exchange rate, GDP, and CAR did not show a significant effect on NPLs. Overall, all independent variables jointly influence credit risk.

Dampak Implementasi Tata Kelola Teknologi Informasi (IT Governanace) Terhadap Return on Asset (ROA) Indra Yudha Mailana; Linda Ayu Oktoriza; Maria Safitri; Vicky Oktavia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11952

Given technological developments and globalization, effective IT governance has become crucial in supporting corporate objectives. This study analyzes the impact of IT governance implementation on financial performance, as measured by Return on Assets (ROA), in industrial companies listed on the Indonesia Stock Exchange. This study examines the relationship between the elements of IT governance, namely Board IT Governance Processes (BITGP), Board IT Governance Structure (BITGS), and Board IT Governance Relational (BITGR) with Return on Assets (ROA). The results show that these three elements have a positive and significant effect on Return on Assets (ROA), indicating that good IT governance can improve operational performance and create added value for companies. These results support agency theory and emphasize the importance of effective communication between management and stakeholders. This study recommends that companies strengthen their IT governance structures and processes in order to adapt to the digital era and innovate, thereby improving their competitiveness and long-term financial.

Faktor-Faktor Penentu Minat Generasi Z dalam Penggunaan Buy Now Paylater pada Mahasiswa Universitas Dian Nuswantoro Semarang Tharisya Alvita Cahyarani; Vicky Oktavia; Ariati Anomsari; Almira Santi Samasta
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11115

This study aims to identify the factors influencing the interest of Universitas Dian Nuswantoro students in using Buy Now Pay Later (Paylater) services. The research focuses on three aspects: Perceived Ease of Use, Functional Financial Needs, and Hedonistic Lifestyle. The method employed is descriptive quantitative research with a survey approach. The study involved 160 students who had previously used Paylater services. The collected data were analyzed using SmartPLS 4 software, examining validity, reliability, and structural model tests. The results indicate that Hedonistic Lifestyle positively and significantly affects the intention to use Paylater, followed by Functional Financial Needs, which also have a significant influence. Meanwhile, Perceived Ease of Use does not have a significant effect, as young people, particularly Generation Z, are already very familiar with various digital applications, making operational ease not a primary factor. The study concludes that students’ interest in using Paylater is more influenced by their consumption patterns and financial needs rather than the technical aspects of the system. Based on these findings, several recommendations are offered: to enhance education on the responsible use of Paylater services and to provide clear information about the services so that users can manage their expenses more effectively.

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