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All Journal Jurnal Agronomi Indonesia (Indonesian Journal of Agronomy) Publikasi Pendidikan Jurnal Manajemen Bisnis 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 Amalee: Indonesian Journal of Community Research & Engagement 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 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.
The Influence Of Consumptive Behavior, Overconfidence, And Loss Aversion On Stock Investment Decisions With Risk Tolerance As An Intervening Variable Cilci, Riri Fitria; 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.v9i2.12683

Abstract

This study aims to examine the effect of consumptive behavior, overconfidence, and loss aversion on stock investment decisions, with risk tolerance as a mediating variable. Using a quantitative associative approach with PLS-SEM analysis, data were collected from 150 active investors in Pontianak City who had at least one year of stock investment experience. The results show that loss aversion and risk tolerance have a direct and significant influence on investment decisions. Investors who tend to avoid losses and have higher risk tolerance are more likely to make investment decisions. Meanwhile, consumptive behavior and overconfidence showed a positive but insignificant influence, indicating they do not strongly drive investment actions. In terms of indirect effects, risk tolerance significantly mediates the relationship between overconfidence and investment decisions, as well as between loss aversion and investment decisions. However, no significant mediation was found between consumptive behavior and investment decisions. These findings highlight the dominant role of psychological factors particularly risk perception and aversion in shaping investment behavior. Understanding these aspects is essential for designing financial education strategies aimed at improving decision-making quality among investors.
The Effect of Earnings Management, Debt To Equity Ratio, Firm Size, and Current Ratio on Bond Ratings in Industrial Sector Companies Listed on the Indonesia Stock Exchange Putri, Selvi Ananda; 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.v9i2.12681

Abstract

This study aims to analyze the effect of earnings management, debt to equity ratio (DER), firm size, and current ratio on the bond ratings of companies listed on the Indonesia Stock Exchange. The method used is an associative study with logistic regression techniques because the dependent variable is bond rating categories (investment grade and non-investment grade). The research sample consists of 62 industrial sector companies that meet the purposive sampling criteria. The analysis results show that earnings management and DER have a significant influence on bond ratings, with earnings management having the strongest influence. Conversely, firm size and current ratio do not have a significant partial effect on bond ratings. The logistic regression model is deemed fit based on the Hosmer and Lemeshow test (p=0.225), and the simultaneous model fit test indicates that the variables influence bond ratings collectively. The Nagelkerke coefficient of determination of 76.5% indicates that the variation in bond ratings can be explained by the independent variables, while the remainder is influenced by other factors outside the model. These findings emphasize the importance of earnings management and capital structure as key indicators in determining bond rating quality and provide a basis for investors and stakeholders in making more informed investment decisions.
Pengaruh literasi keuangan dan technology acceptance model terhadap minat menggunakan paylater pada mahasiswa Putri, Sukhesy Eka; Safitri, Heni; Hariyanto, Dedi
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 19 No. 1 (2023): Februari
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i1.2458

Abstract

Sejak munculnya globalisasi, teknologi informasi telah maju dengan cepat dan menyebar ke banyak negara. Uang elektronik tersebut dapat berfungsi sebagai media transaksi cashless dan tunai. SpayLater adalah layanan Paylater versi Shopee. SPayLater Shopee adalah satu-satunya produk Bayar Nanti yang ditawarkannya. Pengguna dapat melakukan pembelian praktis dengan SPayLater. Mahasiswa, khususnya Generasi Z, senang menggunakan SPayLater karena kemudahannya menyimpan dana setiap bulan berdasarkan nominal tetap. Penelitian ini menggunakan pendekatan penelitian asosiatif. Riset ini bertujuan mencari pengaruh tingkat literasi keuangan dan TAM terhadap minat penggunaan SPayLater. Seratus lima puluh orang memenuhi persyaratan dan mengisi survei melalui formulir Google. Untuk memverifikasi tabulasi data, kami menggunakan SPSS 25. T-statistics menunjukkan hasil yang signifikan untuk beberapa variabel sehingga sampai pada kesimpulan variabel Literasi Keuangan tidak mempengaruhi minat penggunaan SPayLater. Namun, variabel dari model penerimaan teknologi secara signifikan mempengaruhi variabel Minat
Co-Authors Aprianti, Rika Aqcahya, Nabila Ardie, dan Sintho Wahyuning 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 Jumadi Jumadi Khairunnisa, Hanna Laksono Trisnantoro Leni Marlina 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 Pustika, Titin Hestri Putri, Amelia Putri, Selvi Ananda Putri, Sukhesy Eka Ramadanti, Aulia Ratna Ekawati Riny Dwitya Sani Riski, Rina Rizky, Anisa Dinda Salsabila, Putri Aurora Simamora, Fadilatun Nikmah Syarifuddin Zuhri, Ahmad Tri Kurniati, Erniza Wawan Setiawan Wendy Widiasih, Widiasih Zainudin, Amelia Nur Aini Zakirman