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All Journal Jurnal Agronomi Indonesia (Indonesian Journal of Agronomy) Publikasi Pendidikan Pendidikan Bahasa Inggris Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Martabe : Jurnal Pengabdian Kepada Masyarakat Journal of Humanities and Social Studies Jurnal Pendidikan International Journal of Economics Development Research (IJEDR) Akuntansi Bisnis & Manajemen (ABM) Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan IIJSE INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Moderation: Journal of Islamic Studies Review JIPFRI (Jurnal Inovasi Pendidikan Fisika dan Riset Ilmiah)
Heni Safitri
Balai Besar Penelitian Padi, Jalan Raya No. 9 Sukamandi, Subang, Jawa Barat
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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The Influence of Funding Decisions, Dividend Policies, and Market Value on Firm Value with Profitability as an Intervening Variable in Consumer Non-Cyclicals Listed on the Indonesian Stock Exchange Sibleni, Winda; Hariyanto, Dedi; Safitri, Heni
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6832

Abstract

This study aims to look at the influence of funding decisions, dividend policy, and market value on firm value with profitability as an intervening variable on consumer non-cyclical companies listed on the Indonesia Effectssa. The results of the path analysis obtained equation 1: Z = 8,345 - 2,856 X1 - 0.001 X2 + 1,226 X3 and equation 2: Y: 837,156 - 0.004 X1 + 8,862 X2 + 5,010 X3 + 93,745 Z. The results of the correlation coefficient test (R) show that the variables of financing decisions, dividend policy and market value have a very weak relationship with the profitability variable, while the variables of financing decisions, dividend policy, and market value on the variable of firm value with profitability as the intervening variable have a fairly strong relationship. The t-test results show that the funding decision variable, dividend policy and market value do not have a partial effect on profitability and the dividend policy variable with profitability as an intervening variable partially affects the firm value, while the funding decision and market value through profitability as intervening variables do not have a partial effect on the firm value. For further research, it is advisable to include additional variables, such as corporate governance, management decisions, market conditions, or investor sentiment, to provide a more in-depth understanding of the factors that influence firm value.
The Influence of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, Financial Well-Being, and Impulsive Buying on Saving Behavior Among Working People in Kubu Raya Regency Amalia, Lisa; Hariyanto, Dedi; Safitri, Heni
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7098

Abstract

This study aims to determine the influence of financial knowledge, financial attitudes, financial self-efficacy, financial well-being, and impulsive buying on the saving behavior of people working in Kubu Raya Regency. This study uses a causal associative method. This study used a sample of 150 respondents with a purposive sampling technique. The correlation coefficient was 0.786, indicating a strong correlation between financial knowledge, financial attitude, financial self-efficacy, and impulsive buying on saving behavior. The coefficient of determination shows a value of 0.618, meaning that 61.8% indicates that saving behavior is influenced by financial knowledge, financial attitude, financial self-efficacy, and impulsive buying, while 38.2% is attributed to other variables not examined in this study. The results of the simultaneous test show that financial knowledge, financial attitude, financial self-efficacy, financial well-being, and impulsive buying have a simultaneous effect on the savings behavior of people working in Kubu Raya Regency. The partial test results show that the variables financial knowledge, financial attitude, financial self-efficacy, and financial well-being have a positive and significant effect on savings behavior, while impulsive buying does not have a significant effect on savings behavior.
The Effect of Financial Literacy, Lifestyle, and Use of M-Banking on Financial Management Moderated by Socioeconomic Status Among Millennials in Pontianak City Qirani, Ananda Shalsa; Safitri, Heni; Hariyanto, Dedi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7118

Abstract

This study aims to analyze and explain the influence of financial literacy, lifestyle, and use of M-Banking on financial management, considering socioeconomic status as a moderating variable among millennials in Pontianak City. This study uses a quantitative approach with an associative research design, and data collection was conducted through the distribution of questionnaires to 150 respondents who met the purposive sampling criteria. Data analysis was performed through validity and reliability tests, classical assumption tests, as well as multiple linear regression and Moderated Regression Analysis (MRA) to determine the role of socioeconomic status as a moderating variable. The results indicate that, partially, financial literacy and use M-Banking have a positive and significant influence on millennials' financial management. Conversely, lifestyle does not show a statistically significant influence. Simultaneously, the three independent variables were found to have a significant effect on financial management. In addition, socioeconomic status was found to moderate the effect of financial literacy on financial management, but did not moderate the effect of lifestyle or use M-Banking. The coefficient of determination (R²) value of 79.7% indicates that the variation in financial management in this model can be explained by the combination of variables used, while the rest is influenced by factors outside the model.
The Influence Of Fintech Payment, Financial Literacy, And Lifestyle On Financial Management Of Shopee Paylater Users In Pontianak City With Income As A Moderating Variable Aqcahya, Nabila; Safitri, Heni; Hariyanto, Dedi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.11850

Abstract

In an increasingly advanced digital era, technological innovations continue to develop, especially in payment systems. The use of financial technology (fintech) is growing, especially in urban areas such as Pontianak City. One of the most prominent innovations from fintech is the PayLater feature. From the phenomena that arise related to the widespread use of the PayLater feature, the purpose of this study is to examine the effect of Fintech Payment, Financial Literacy, and Lifestyle on the financial management of Shopee Paylater users in Pontianak City, with income as a moderating variable. This research uses associative methods and quantitative approaches. The data were analyzed using Moderated Regression Analysis (MRA) with SPSS software after being collected from 150 respondents through a questionnaire. The calculation results for Equation 1 are as follows: Y = 26,886 + (1,049 x 5) + (1,362 x 4) + (3,076 x 3) = 46,807. These results indicate that the financial management score derived from the direct influence of Fintech Payment, Financial Literacy, and Lifestyle is 46.807. The calculation results for Equation 2 are as follows: Y = 26.886 + (1.049 x 5) + (1.362 x 4) + (3.076 x 3) + (2.027 x 6) + (0.039 x 5 x 6) + (0.061 x 4 x 6) + (0.114 x 3 x 6) = 63.655. This result shows that the financial management score, after considering the effect of income (Z) and its interaction with Fintech Payment, Financial Literacy, and Lifestyle, is 63.655. These results indicate that the financial management score, after considering the effect of income (Z) and its interaction with Fintech Payment, Financial Literacy, and Lifestyle, is 63,655. The results of this study indicate that Fintech Payment, Financial Literacy, and Lifestyle show positive and significant results on Financial Management directly. The results of the influence of Fintech Payment, Financial Literacy, and Lifestyle which are moderated as moderating variable also get the result that income can moderate positively and significantly on financial management.
Implementasi Program Pendidikan Magrib Mengaji Di Tpa An-Nur Jorong Ulu Simpang Kecamatan Koto Balingka Riski, Rina; Hasibuan, Hendra; Nisa, Yarotun; Pulungan, Tria Arzeta; Nasution, Ajijah Rahma; Baik, Muhammad; Husna, Asmaul; Safitri, Heni; Simamora, Fadilatun Nikmah
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 4, No 6 (2024): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v4i6.1069

Abstract

Maghrib reciting the Quran is an activity carried out by a person or group in a non-formal place which is carried out after the evening prayer. The Maghrib Quran recitation program aims to educate children in understanding and memorizing the Quran, while at the same time instilling Islamic religious values. Maghrib reciting the Quran also functions as a means to strengthen community ties and build time discipline and discipline in worship. It is not only teachers who play an important role in teaching their children, but parents also have an important role in understanding religious knowledge so that later a child will have in-depth knowledge of the world and the afterlife.ABSTRAKMaghrib mengaji adalah kegiatan yang dilakukan seseorang atau sekelompok di suatu tempat non formal yang kegiatannya dilaksanakan sehabis salat magrib. Program magrib mengaji bertujuan untuk mendidik anak-anak dalam memahami dan menghafal alquran, sekaligus menanamkan nilai-nilai agama islam. Magrib mengaji juga berfungsi sebagai sarana untuk memperkuat ikatan komunitas dan membangun disiplin waktu serta kedisiplinan dalam beribadah. Bukan hanya guru yang berperan penting dalam mengajari anaknya tetapi orang tua juga memiliki peranan penting dalam pemahaman ilmu agama agar nantinya seorang anak tersebut memiliki pengetahuan mendalam akan dunia dan akhirat.
The Influence of Good Corporate Governance, Firm Size, and Profitability on Firm Value in Property and Real Estate Companies Listed on the Indonesia Stock Exchange Oksarini, Amalia; Hariyanto, Dedi; Safitri, Heni
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12701

Abstract

This research aims to investigate the effect of Good Corporate Governance (GCG), firm size, and profitability on firm value among property and real estate companies listed on the Indonesia Stock Exchange (IDX) from 2021 to 2024. The study employs a quantitative approach with an associative method. A sample of 74 companies was selected through purposive sampling based on predetermined criteria. Secondary data were collected using documentation techniques and analyzed using multiple linear regression with SPSS software. The results demonstrate that, simultaneously, independent commissioners, institutional ownership, audit committee, firm size, and profitability significantly affect firm value, with an adjusted R² of 87.4%. Partially, the variables of independent commissioners, institutional ownership, firm size, and profitability have a significant effect on firm value, while the audit committee does not. These findings highlight the critical role of strong corporate governance practices, optimal firm scale, and profitability in enhancing firm value. The study provides practical implications for corporate strategy and future research in the field of corporate performance measurement.
The Effect of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, and Financial Socialization on the Financial Management Behavior of Working People in Ketapang Regency Putri, Amelia; Hariyanto, Dedi; Safitri, Heni
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12692

Abstract

Good financial management is essential for achieving financial well-being, especially in the face of dynamic economic challenges. In Ketapang Regency, many working people experience difficulties in managing their personal finances, partly due to low financial literacy and attitudes. This study aims to analyze the influence of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, and Financial Socialization on the Financial Management Behavior of working people in Ketapang Regency. The method used in this study is an associative study with a quantitative approach. Data was collected through a questionnaire distributed to 150 respondents who work in Ketapang Regency. Validity and reliability tests were conducted to ensure the research instrument, while multiple linear regression analysis was used to test the relationship between variables. The results of the study indicate that, simultaneously, Financial Knowledge, Financial Attitude, Financial Self-Efficacy, and Financial Socialization have a positive and significant influence on financial management behavior. Partially, each variable shows a positive and significant influence on Financial Management Behavior, including Financial Knowledge, Financial Attitude, Financial Self-Efficacy, and Financial Socialization. This study contributes to the development of more effective financial education programs, particularly for the working population in Ketapang District.
The Influence of Firm Size, Return on Assets, and Debt to Equity Ratio on Bond Ratings with Earnings Management as an Intervening Variable in Financial Companies on the Indonesian Stock Exchange From 2022 to 2024 Nurhayati, Aisah Dwi; Safitri, Heni; Hariyanto, Dedi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12697

Abstract

This study aims to examine the influence of firm size, Return on Assets (ROA), and Debt to Equity Ratio (DER) on bond ratings with earnings management as an intervening variable in financial companies listed on the Indonesian Stock Exchange from 2022 to 2024. Bond ratings are crucial for assessing the risk of bond defaults, and understanding the factors that influence these ratings can help companies, investors, and rating agencies make better decisions. Firm size, ROA, and DER have been identified as key financial indicators that affect bond ratings, but the role of earnings management as an intervening factor in this relationship remains underexplored. This study uses a purposive sampling method, focusing on 43 financial companies with investment-grade bond ratings. The data analysis includes financial ratio analysis, path analysis, and several classical assumption tests to ensure the validity of the regression model. The results of this study show that firm size, ROA, and DER do not have a significant direct or indirect influence on bond ratings. The coefficient of determination (R²) indicates that only 5.9% of the variation in bond ratings can be explained by these variables. These findings suggest that factors other than financial ratios, such as macroeconomic conditions or industry stability, may play a more significant role in determining bond ratings. The study recommends further research to explore additional variables and alternative methods for better understanding bond rating dynamics.
The Effect of Investment Motivation, Return, and Risk Perception on Stock Investment Decision-Making Among Investors in Pontianak City Salsabila, Putri Aurora; Hariyanto, Dedi; Safitri, Heni
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12689

Abstract

This study aims to analyze the influence of investment motivation, return, and risk perception on stock investment decision-making among investors in Pontianak City. The method used is associative with a sample of 150 respondents selected using purposive sampling. The instruments were tested for validity, reliability, and classical assumptions such as normality, linearity, and multicollinearity. Data analysis used multiple linear regression, correlation tests, determination coefficients, and simultaneous and partial tests. The results of the multiple linear regression indicate that the three independent variables positively contribute to stock investment decisions. The correlation coefficients show a strong relationship between investment motivation, return, and risk perception with investment decisions. The coefficient of determination indicates that most of the variation in investment decisions can be explained by the three variables, while the rest is influenced by factors outside this study. Simultaneous tests show a significant combined effect of investment motivation, return, and risk perception on stock investment decisions. Partial tests indicate that investment motivation, return, and risk perception each have a positive and significant effect on stock investment decisions. This study confirms the importance of motivation, return expectations, and risk perception in determining investor decisions in the stock market in Pontianak.
The Influence of Financial Literacy, Financial Inclusion, and Ease of Use of the QRIS System on the Business Continuity of Culinary MSMEs in Pontianak City Khairunnisa, Hanna; Safitri, Heni; Hariyanto, Dedi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12703

Abstract

This study aims to analyze the influence of Financial Literacy, Financial Inclusion, and Ease of Use of the QRIS System on the Business Continuity of MSMEs in the culinary sector in Pontianak City. Employing a quantitative approach with an associative method and involving 150 respondents selected through purposive sampling, data were collected via questionnaires and analyzed using multiple linear regression with the assistance of SPSS. The findings indicate that, simultaneously, the three independent variables have a significant effect on business continuity. Partially, Financial Literacy and Ease of Use of QRIS show significant effects on business continuity, while Financial Inclusion does not demonstrate a significant impact. The coefficient of determination (R²) is 0.385, suggesting that 38.5% of the variation in business continuity can be explained by the three variables. These results underscore the importance of enhancing financial literacy and utilizing accessible technology to support the sustainability of MSMEs. Therefore, it is recommended that MSME actors strengthen their financial literacy and maximize the use of QRIS in daily operations. Meanwhile, the government and supporting institutions are encouraged to expand access to digital financial literacy training and to develop a more inclusive financial system. For future research, it is advisable to include additional variables such as service quality or business innovation and to consider mixed-method approaches and broader geographic coverage to obtain more comprehensive insights.
Co-Authors Amalia, Lisa Aprianti, Rika Aqcahya, Nabila Ardie, dan Sintho Wahyuning Ardika, Tria Ardila, Dayang Najwa Asmaul Husna Baik, Muhammad Bambang Sapta Purwoko Cilci, Riri Fitria Dedi Hariyanto Edy Suryadi Firmansyah, Juli Giriati, Giriati Hasibuan, Hendra Herawati Herawati ICHWAN ICHWAN Ida Hamidah Ida Kaniawati Iswari Saraswati Dewi Khairunnisa, Hanna Laksono Trisnantoro M. Khairi Ikhsan Mustaruddin Nadiyyah, Khoirotun Nasution, Ajijah Rahma Nisa, Yarotun Nurhayati, Aisah Dwi Nurrita, Teni Oksarini, Amalia Pebrianti, Grestika Pulungan, Tria Arzeta Purwoningsih, Tuti Putri, Amelia Putri, Selvi Ananda Putri, Sukhesy Eka Qirani, Ananda Shalsa Ratna Ekawati Riny Dwitya Sani Riski, Rina Rizky, Anisa Dinda Salsabila, Putri Aurora Sibleni, Winda Simamora, Fadilatun Nikmah Wawan Setiawan Wendy Widiasih, Widiasih Zainudin, Amelia Nur Aini Zakirman