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Journal : Economic Reviews Journal

Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa: Studi Kasus pada Mahasiswa Fakultas Ekonomi Universitas Negeri Gorontalo Rahma Mohi; Raflin Hinelo; Dewi Indrayani Hamin
Economic Reviews Journal Vol. 4 No. 1 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i1.623

Abstract

This study aims to examine the influence of financial literacy and lifestyle on student’s consumptive behavior in the Faculty Of Economics, Universitas Negeri Gorontalo. A quantitative study method with a correlational design was employed. The study population consisted of students of the Faculty of Economics, Universitas Negeri Gorontalo, from the 20192023 cohorts, with a sample size of 100 respondents selected using quota sampling. Data were collected through questionnaires that had undergone validity and reliability testing. The data were analyzed using multiple linear regression, normality tests, heteroscedasticity tests, multicollinearity tests, and hypothesis testing, facilitated by IBM SPSS version 22. The study findings indicate that: (1) no significant influence of financial literacy on the consumer behavior of students of the faculty of economics, universitas negeri Gorontalo is found. It obtains a significanse value of 0.421  0.05 and t count is smaller than t table or -0.808 < 1.986. (2) A significant influence of lifestyle on the consumer behavior of students of the faculty of economics, universitas negeri gorontalo is found. This result obtains a significance value of 0.000 < 0.05 and t count is greater than t table or 7.959 > 1.986. (3) A significant influence between financial literacy and lifestyle on consumer behavior of students of the faculty of economics, universitas negeri gorontalo is found with a significanse value of 0.000 < 0.05 and F count value of 31.986, which means F count > F table or 31.986 > 3.09.
Pengaruh Capital Adequacy Ratio dan Net Interest Margin terhadap Return Saham pada Perusahaan Perbankan Bank Umum Milik Negara yang Terdaftar di Bursa Efek Indonesia (BEI) Periode 2018-2023 Jamila H. Rauf; Raflin Hinelo; Idham Masri Ishak
Economic Reviews Journal Vol. 4 No. 2 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.666

Abstract

This study aims to analyze the relationship between the Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) on stock returns in State-Owned Commercial Banks (BUMN Banks) listed on the Indonesia Stock Exchange (IDX) for the 2018-2023 period. The Sampling technique used in this study was total sampling, where all population members were included as samples, totaling four banking companies. Data collection was based on secondary data from the financial reports published by the state-owned commercial banks listed on the IDX. The analysis employed multiple linear regression using SPSS 25 software. The results of the study indicate that, partially, the Capital Adequacy Ratio has a positive and significant effect on returns, while the Net Interest Margin has a partial negative and insignificant effect on stock returns. Simultaneously, the Capital Adequacy Ratio and Net Interest Margin influence stock returns. This is evident from the adjusted R-squared coefisient, which shows that the independent variables explain 34.6% of the variation in stock returns, while the remaining 65,4% is explained by other variables not included in the regression model.
Pengaruh Penggunaan Aplikasi Otentikasi dan Benefits Offered Terhadap Kepuasan Nasabah dalam Bertransaksi pada PT Taspen Persero Cabang Gorontalo Nurain Putri Wahab; Raflin Hinelo; Yulinda L.Ismail
Economic Reviews Journal Vol. 3 No. 4 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i4.537

Abstract

This research aims to. Analyze and find out how the use of authentication applications and benefits offered affect customer satisfaction. The population consists of 63,569 active pensioners at PT Taspen Persero Gorontalo Branch from 2019-2023, and the sample is 100 pensioners obtained using a purposive sampling technique. The analysis is done using a quantitative method using multiple linear regression analysis. According to the result, it shows that (1) the authentication application variable partially contributed a positive and significant effect on customer satisfaction with a significance level of 0.000 <0.05 and the value of table count, with the result of 2.727> 1.660. (2) the Benefits Offered variable partially contributed a positive and significant effect on customer satisfaction with a significance level of 0.008 <0.05 and the value of stable> count, with the result of 4.010 > 1,660. (3) it was simultaneously concluded that there was a positive and significant influence between the authentication application variable and the Benefits Offered variable on Customer Satisfaction with a significance level of 0.000 <0.05 and a value of Fiable Fcount, or18.328 3.09. The R square determination coefficient was 0.574, which means that the influence contribution percentage of the authentication application and Benefits Offered affects customer satisfaction by 57.4%. In other words, the correlation level of the R square value was sufficient, and the other 42.6% came from other variables that were not examined.
Co-Authors Abd. Rahman Pakaya Abdullah, Karmila Abdulrahim Maruwae Abubakar, Ikhlasul Amalriadna Agil Bahsoan Agunta, Tiara Santri Alma Pakiun Ambar Nabiilah Arsjad Andi Juanna Ardiansyah Ardiyansyah Ardiyansyah Armaku , Kholkartya Novianti Asnawi, Melan Angriani Asya, Asya Atmanda Mokodompit Banjarnahor, Ari Biahimo, Sitti Zulaeha Boby Rantow Payu Bulango, Ayub Daud, Yolanda Maramis Dewa Ayu Lestari Dewi Indrayani Hamin Deysi Wantu, Septiyani Diah Anggriani Albert Djuba, Irmawaty R. Doda, Khairunnisa Dungga, Meriyana Fransisca Elvira Akuba Endi Rahman Fahrudin Zain Olilingo Habi, Putri Delparani Hais Dama Halid Ahmad Hapsawati Taan Heldy Vanni Alam Herlina Rasjid Husain Ambo Husen Arifin Idham Masri Ishak Idris Yanto Niode Irawati Abdul Irina Popoi Irwan Yantu Isa, Ramlan Amir Jamila H. Rauf Juniaty Ismail Karmoy, Moh. Fadhel Kidam, Tasya Kidamu, Opan Kifli Ahmad Kilo, Sri Yuliana Kude, Lurinda A. Lanto Miriatin Amali Latief, Lian A Lidjali, Andriani H. Lisda L. Asi Luthfiyyah Muhadzdzab Mahmud, Novaldy Maku, Nurlaila Agustin Manda, Zildjian Berbi Gita Manhia, Ayisah Maya Novrita Dama Meimun Hamzah Melizubaida Mahmud Meyko Panigoro Miranda Puspita Moh. Alaika Nurula Mohamad Agus Salim Monoarfa Mohamad Rinaldi Djakaria Mokodompit, Regita C. Monoarfa, Mohammad Agus Salim Mootalu, Amalia Muchtar Ahmad Musa, Rivai Musa, Rivai Thalib Noval Adriyanus Karim Novita Djafar Nurain Putri Wahab Nurnaningsih Domili Olii, Mohammad Juan Tio Pakaya, Abd Rahman Paramata, Sri Sindi Pasambuna, Qalfiansah Radia Hafid Radji, Djoko Lesmanan Rahma Mohi Rahmantyo Pambi Refliani Kakilo Rezkiawan Tantawi Rilwins Onggilu Riska Annisa Abdjul Riska Jangko Rizan Machmud Rizma, Rizma Robiyati Podungge Rosman Ilato Roy Hasiru Saliko, Firnaningsi Sampir, Allya Riska Putri Selvi Selvi Soga, Diva Revansyach Sri Indriyani S. Dai Sudirman Sudirman Sugala, Wahyu Syarwani Canon Talani, Novita M. Thalib, Sri Hardayanti A. Toleng, Rosita B Tri Handayani Amaliah Umin Kango Valentina Monoarfa Wahyu Lestari Win, Thinzar Windra Angraini Harun Wirna D. Rahim Wiwin Wiwin, Wiwin Yakob Nina Yayu Isyana D. Pongoliu Yulianti Toralawe Yulinda L.Ismail Yunita Gaib Yusrin S. Hasan