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All Journal Jurnal Kajian Manajemen Bisnis El Dinar JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Ilmiah Mahasiswa FEB Global Review of Islamic Economics and Business Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Manajemen Akuntabel : Jurnal Ekonomi dan Keuangan Fokus Ekonomi JURNAL EKSBIS KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Manajemen Bisnis dan Kewirausahaan International Journal of Economics Development Research (IJEDR) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Ecogen International Journal of Business and Applied Economics (IJBAE) Economics and Business Journal Jurnal Edukasi Pengabdian Masyarakat: EDUABDIMAS Jurnal Ecogen
Farahiyah Sartika
Universitas Islam Negeri Maulana Malik Ibrahim Malang  
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Analysis of the Potential Impact of Central Bank Digital Currency (CBDC) on Banking in Indonesia Gunawan, Risma; Asrul Yatimi, Muh.; Sartika, Farahiyah
International Journal of Business and Applied Economics Vol. 3 No. 5 (2024): September 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v3i5.11519

Abstract

This research aims to analyze the potential impact of implementing Central Bank Digital Currency (CBDC) on banking stability in Indonesia and identify factors that influence economic actors in using CBDC. This research used descriptive qualitative methods with literature studies. The data sources for research are bibliographic or come from various types of literature, including books, journals, articles, newspapers, modules, personal documents, etc. The research results show that implementing CBDC can reduce the number of deposits in banks, increase competition, and change banking business models. However, CBDCs can also improve financial inclusion and payment system efficiency. Factors that influence the use of CBDC include the level of trust, security, cost, and public literacy and education. The implication of this research is to enrich financial literature by introducing a new concept regarding digital money issued by central banks. In addition, the research results can be used to design risk mitigation strategies that may arise due to switching from cash to digital money.
PENGARUH EFISIENSI MODAL KERJA, LIKUIDITAS, DAN SOLVABILITAS TERHADAP PROFITABILITAS (Studi Pada Perusahaan Farmasi yang Terdaftar di BEI Periode 2007-2011) Sartika, Farahiyah; Herawati, Juni
Jurnal Ilmiah Mahasiswa FEB Vol. 2 No. 1
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the effect of the  efficiency of working capital (working capital turnover), liquidity (current ratio), and solvency (debt to total assets ratio) toward profitability (return on investment) either simultaneously or partially in the pharmaceutical company listed on the Indonesian Stock Exchange over period 2007-2011. Type of research used in this research is associative research that aims to explain the relationship between two or more variables  through hypothesis testing. The sampling technique used was purposive sampling and obtained a sample of 7 companies. Data which have already collected are processed with classic assumption test before hypothesis test. To test the hypothesis proposed in this study  used multiple regression analysis.   The results of the research  simultaneously  using F test  showed  that  all  of  the three  independent  variables  have a significant effect  on profitability  (return on investment). The results of the research partially using t test showed that  liquidity  (current ratio)  have positive significant influence on  profitability  (return on investment). While the efficiency of working capital (working capital turnover) and solvency (debt to  total  assets ratio)  have no significant influence  on profitability  (return on investment). Keywords: Profitability, Efficiency of Working Capital, Liquidity, Solvency
Determinants of Financial Management Behavior among Young Millennial Entrepreneurs Ditya Permatasari; Nawirah Nawirah; Farahiyah Sartika
Jurnal Manajemen dan Kewirausahaan Vol. 12 No. 2 (2024): December (2024)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v12i2.13187

Abstract

Effective financial management behavior can improve a person's financial well-being, while failure to manage personal finances can have long-term impacts. This research aims to examine the factors that influence Financial Management Behavior in young enterpreneurs. The research method used in this research is quantitative. The total number of respondents was 100 millennial entrepreneurs who are members of the Indonesian Young Entrepreneurs Association (HIPMI) in East Java Province spread across several cities. The sampling technique used was a purposive sampling technique with a data collection method in the form of a questionnaire. The research results show that Financial Literacy, Hedonism Lifestyle, Financial Attitude, and Self Control influence Financial Management Behavior while Income does not influence Financial Management Behavior. The novelty in this research is adding the influence of a lifestyle of hedonism and self-control in the context of millennial entrepreneurs, a group that is rarely the main focus in financial management studies in Indonesia. The results of this research provide practical implications for organizations such as HIPMI to develop financial education programs that not only increase financial literacy but also emphasize the importance of self-control and lifestyle management. In addition, this research can be a basis for the government to design policies that support the financial well-being of young entrepreneurs.
Financial Literacy, Lifestyle, And Parental Income On Financial Management Behavior With Self-Control As A Mediating Variable (Case Study of College Students in Malang City) Nadia Rahma Farikha; Farahiyah Sartika
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.372

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and parental income on financial management behavior, with self-control as an intervening variable among college students in Malang City. Using a quantitative explanatory research approach, data were collected through questionnaires from 160 respondents and analyzed using SEM-PLS. The results showed that financial literacy, lifestyle, and parental income had a positive and significant effect on financial management behavior. Furthermore, self-control also significantly influenced financial management behavior. However, self-control only mediated the relationship between parental income and financial management behavior, and was unable to mediate the influence of financial literacy and lifestyle. This indicates that college students' financial management behavior is more directly influenced by financial knowledge, lifestyle, and financial support from parents. This study implies that improving financial literacy and self-control needs to be strengthened to support better financial management.
The Effect of Financial Literacy and Lifestyle on Financial Management Behavior with Self-Efficacy as a Mediation Variable: A Study of Young Workforce in Tuban Regency Rifa Fatra Yahya Masruroh; Farahiyah Sartika
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.380

Abstract

This study aims to analyze the influence of financial literacy and lifestyle on financial management behavior, with self-efficacy as a mediating variable among young workers in Tuban Regency. This study employed a quantitative approach involving 160 respondents, and the data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) through SmartPLS 3. The results indicate that financial literacy, lifestyle, and self-efficacy have significant effects on financial management behavior. Financial literacy also significantly influences self-efficacy, while lifestyle does not have a significant effect on self-efficacy. Furthermore, self-efficacy is proven to mediate the relationship between financial literacy and financial management behavior, but it does not mediate the relationship between lifestyle and financial management behavior
Determinants of Behavioral Intention to Use Peer-to-Peer Lending among MSMEs: An Extended UTAUT2 Model Evidence from East Java, Indonesia Farahiyah Sartika; Nawirah; Ditya Permatasari; Setiani
Jurnal Ecogen Vol. 9 No. 1 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i1.31

Abstract

This study aims to analyze the influence of performance expectations, effort expectations, social influence, facilitating conditions, hedonic motivation, price value, habits, and experience on behavioral intention and usage behavior. This study is quantitative research, with a sample of 190 respondents from MSMEs in Malang City, Malang Regency, and Batu City. Using snowball sampling technique, the researcher processed the data with quantitative data analysis technique using a Partial Least Square (PLS) based structural equation model. The results showed that performance expectations had a positive and significant effect on behavioral intention. Social influence has a positive and significant effect on behavioral intention. Facilitating conditions have no effect and are not significant on behavioral intention. Facilitating conditions have no effect on usage behavior. Behavioral intention has a positive and significant effect on usage behavior. Hedonic motivation has a positive and significant effect on behavioral intention. Price value has no effect and is not significant on behavioral intention. Habit has a positive and significant effect on behavioral intention. Experience cannot mediate the relationship between facilitating conditions and behavioral intention. These findings indicate that perceived benefits and behavioral factors play a more prominent role in shaping MSME adoption of P2P lending than operational or infrastructure considerations. This study provides empirical insights for platform providers and policymakers in promoting sustainable access to digital financing for MSMEs.
The Influence of Spiritual Intelligence, Financial Knowledge, and Self-Control on Financial Behavior with Self-Efficacy Moderation on Students of Ma'had Sunan Ampel Al-'Aly Putri Setia Septaviani; Farahiyah Sartika
Jurnal Ecogen Vol. 9 No. 1 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i1.47

Abstract

Research examining the influence of spiritual intelligence, financial knowledge, and self-control on financial behavior, with self-efficacy as a moderating variable, in the context of Islamic boarding school students (mahasantri) remains limited, as most previous studies have focused on general university students. Therefore, this study aims to analyze the relationship between spiritual intelligence, financial knowledge, and self-control and the financial behavior of students at Ma'had Sunan Ampel Al-'Aly UIN Malang, as well as to examine the moderating role of self-efficacy. This study employs a quantitative approach using PLS-SEM and involves 98 respondents selected through the Slovin formula. The results indicate that spiritual intelligence and financial knowledge have a positive and significant effect on financial behavior, while self-control does not have a significant effect. The findings also reveal that self-efficacy moderates the relationship between spiritual intelligence and financial knowledge and financial behavior, but does not moderate the relationship between self-control and financial behavior. The structural model explains 85% of the variance in financial behaviour (R² = 0.850). These findings contribute to the development of behavioral finance literature by highlighting the role of spiritual, cognitive, and psychological factors in shaping the financial behavior of Islamic boarding school students and underscore the importance of strengthening these factors to promote responsible financial behavior within Islamic educational environments.
Co-Authors Asrul Yatimi, Muh. Desi kresnawati Ditya Permatasari Evi Dwi Jayanti Fajar Ashari, Fajar Gunawan, Risma Indah Yuliana Jayanti, Evi Dwi Juni Herawati Khasanah, Anisatuz Zahroh Kresnawati, Desi Lutfiatul Inayah Muhammad Rizky Prima Sakti, Muhammad Rizky Prima Nadia Rahma Farikha Nawirah Nawirah Nawirah Nesia, Inggit Lufita Nur Hikmatul Noviani Rihhadatul Aisyah Nurul Humairo Puji Endah Purnamasari Putri Setia Septaviani Rahmawati, Hanif Rifa Fatra Yahya Masruroh Risa Berliana Putri Setiani Setiani Setiani Setiani, Setiani Siti Miftahul Jannah Yuliana, Intan Putri