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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Jurnal Manajemen Bisnis JDM (Jurnal Dinamika Manajemen) Majalah Neraca Journal of Accounting and Investment JURNAL EKONOMI DAN BISNIS AIRLANGGA Akuisisi : Jurnal Akuntansi AKUNTANSI DEWANTARA JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Agregat: Jurnal Ekonomi dan Bisnis SENTRALISASI J-MAS (Jurnal Manajemen dan Sains) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan EQIEN - JURNAL EKONOMI DAN BISNIS Competitive Jurnal Akuntansi dan Keuangan Business Management Analysis Journal (BMAJ) BALANCE: Economic, Business, Management and Accounting Journal Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) International Journal of Economics, Business and Accounting Research (IJEBAR) Budimas : Jurnal Pengabdian Masyarakat Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Airlangga Journal of Innovation Management Journal of Economics and Business UBS JURNAL ILMIAH GLOBAL EDUCATION Jurnal Ilmu Manajemen Advantage International Journal of Management Science and Information Technology (IJMSIT) ADPEBI International Journal of Business and Social Science Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Indonesian Journal of Business Analytics (IJBA) Formosa Journal of Multidisciplinary Research (FJMR) Journal of Finance and Business Digital (JFBD) Journal of Accounting and Finance Management (JAFM) Asian Journal of Management Analytics Prosiding University Research Colloquium Jurnal Akuntansi Trisakti Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Business and Applied Economics (IJBAE) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Islamic Economics Methodology Journal of Economic and Social Empowerment IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Riset Akuntansi dan Keuangan Indonesia International Journal of Economics, Business and Innovation Research JURNAL MANAJEMEN DAN BISNIS INDONESIA
Naelati Tubastuvi
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Social Sciences Other

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Factors Affecting Financial Behavior of Micro, Small and Medium Enterprises (MSMEs): The Role of Financial Inclusion, Financial Literacy and Financial Technology Azizah, Farinda Hauna; Innayah, Maulida Nurul; Tubastuvi, Naelati; Aryoko, Yudhistira Pradhipta
Jurnal Ilmu Manajemen Advantage Vol. 8 No. 2 (2024): Desember 2024
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/adv.v8i2.1333

Abstract

The research examines the factors that influence the financial behaviour of micro, small and medium-sized enterprises (MSMEs), focusing on the roles of financial inclusion, financial literacy, and financial technology, framed within the Theory of Planned Behavior. The population for this research consisted of 89,553 MSME players, with a sampling technique utilizing the Slovin formula to achieve a sample size of 142 respondents. Using a mixed-methods approach, the research combines quantitative surveys of MSME owners. The findings reveal that financial inclusion significantly enhances access to credit and financial services, thereby improving the financial behavior of MSMEs. Additionally, higher levels of financial literacy correlate with better financial management practices, leading to increased profitability and sustainability. The study also highlights the transformative impact of financial technology, which facilitates easier access to financial resources and enhances operational efficiency. The results indicate that financial inclusion, financial literacy, and financial technology have a positive and significant effect on the financial behavior of MSMEs. This suggests that targeted interventions in these areas could foster greater economic resilience and growth within this vital sector.
(RETRACTED) THE MEDIATING EFFECT OF SHARIA COMPLIANCE ON THE RELATIONSHIP BETWEEN GOOD CORPORATE GOVERNANCE, CORPORATE SOCIAL RESPONSIBILITY, AND FINANCIAL PERFORMANCE IN INDONESIAN ISLAMIC BANKS Mohamed, Liban Isak; Tubastuvi, Naelati
Business Management Analysis Journal (BMAJ) Vol 7, No 2 (2024): Business Managament Analysis Journal (BMAJ)
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/bmaj.v7i2.13597

Abstract

Reasons for Retraction:The editors have retracted this article at the request of the authors due to internal conflicts among the authors. This decision was made to preserve the integrity of the research and to address the issues raised in good faith. The authors unanimously agreed to withdraw the publication to resolve the conflicts effectively.
Factors Influencing Financial Performance on Banking Companies in Indonesia: Does Financial Technology Matter? Zahra, Hakimatuz; Innayah, Maulida Nurul; Tubastuvi, Naelati; Aryoko, Yudhistira Pradhipta
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 3 (2024): IJEBAR, VOL. 8, ISSUE 3, September 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i3.14475

Abstract

This study aimed to examine the effect of company size, liquidity, and dividend policy on financial performance, using financial technology as a moderating variable and leverage as a control variable. The population of this study is conventional banking sector companies registered with the Indonesian Financial Services Authority (OJK) from 2019 to 2022. The sample collection method uses a purposive sampling technique. The number of samples obtained was 91 companies, with 137 observations. This study utilized the Fixed Effect Regression Model based on the preliminary test result for panel data regression. The results showed that liquidity and financial technology significantly positively affect financial performance. Company size and dividend policy have a negative effect on financial performance. The application of financial technology by conventional Indonesian banks can strengthen the influence of the positive relationship between firm size, liquidity, and dividend policy on financial performance. Based on this research, it is necessary to maintain an optimal level of liquidity and adopt financial technology to improve the company's financial performance. The easier and safer the financial technology the company uses will further affect the level of company performance.
DETERMINANTS OF MILLENNIAL INVESTMENT DECISION-MAKING IN THE SHARIA CAPITAL MARKET: A COMPREHENSIVE REVIEW Aeni, Nurul Nur; Tubastuvi, Naelati; Purwidianti, Wida; Utami, Restu Frida
Jurnal Ekonomi dan Bisnis Airlangga Vol. 34 No. 1 (2024): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V34I12024.1-19

Abstract

Introduction: The study aims to examine the impact of financial literacy, overconfidence, regret aversion bias, herding, and risk tolerance on the investment decisions of the Indonesian millennial generation.  Methods: The study used a quantitative approach with a sample of 120 respondents from the millennial generation who invested in the Islamic capital market. A statistical test was done using SPSS IBM 26. Results: Financial literacy and overconfidence significantly influenced investment decisions. On the other hand, regret aversion bias, herding, and risk tolerance had no significant impact on investment decisions. Conclusion and suggestion: The study concluded that financial literacy and overconfidence are the major factors that affect the investment decisions of the Indonesian millennial generation. The government (regulator) and related institutions should take a more proactive approach in providing outreach and education about the importance of financial literacy and overconfidence. The millennial generation is interested in investing in the Sharia capital market.
The Effect of Organizational Culture and Work Environment on Turnover Intention Through Organizational Commitment Witasari, Rindi; Widhiandono, Hengky; Tubastuvi, Naelati; Rachmawati, Erny
International Journal of Business and Applied Economics Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v4i1.13269

Abstract

This study aims to examine the effect of independent variables, namely organizational culture and work environment on the dependent variable, namely turnover intention and organizational commitment as a mediating variable. This study uses a quantitative research design. Questionnaires were distributed to employees of private hospitals in Purwokerto. The population in this study amounted to 327 employees. The sampling technique used in this study is the random sampling method in accordance with each member of the population has the same opportunity to be selected per field in the hospital. Calculated using the slovin formula resulted in 120 respondents. The method used to analyze data is to use smartpls 3.0. In this study all instruments were valid and reliable. The results showed that organizational culture has an insignificant negative effect on organizational commitment, but a significant positive effect on turnover intention. In contrast, the work environment has a significant positive effect on organizational commitment and a significant negative effect on turnover intention. Organizational commitment is not able to mediate the relationship between organizational culture and work environment on turnover intention.
The Influence of Financial Literacy, Financial Technology, Financial Attitude, Financial Skills, and Financial Behavior of Generation Z on Financial Inclusion of Islamic Banking in E-Commerce Transactions Azafii, Azka Saputra; Tubastuvi, Naelati; Rahmawati, Ika Yustina; Widyaningtyas, Dian
International Journal of Business and Applied Economics Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijbae.v4i1.13469

Abstract

This research aims to examine the influence of financial literacy, financial technology, financial attitudes, financial skills, and financial behavior of the Banyumas Generation Z community on financial inclusion among Sharia banking customers. The sample used was 120 respondents using an incidental sampling technique. This research applies quantitative methods to evaluate the relevance of each variable. The data collection instrument was carried out using a five-level Likert scale questionnaire. The analysis tool uses SEM PLS. According to the findings of this research, financial literacy, financial technology, financial attitudes, financial skills and financial behavior have a positive influence on financial inclusion.
Peningkatan Literasi Keuangan Untuk Memperkuat Wirausaha Pekerja Migran Malaysia Kusbandiyah, Ani; Wahyuni, Sri; Tubastuvi, Naelati; Wati, Ratna Kartika; Fitriati, Azmi; Rahmah, Nunung Aini
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 3 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

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

Abstract

The aim of this Community Service is to increase insight and competence in the field of accounting, especially in understanding simple recording for Micro, Small and Medium Enterprises (MSMEs) in the Malaysian migrant worker environment. The level of knowledge of Financial Literacy among Micro, Small and Medium Business Actors among business actors in the migrant worker environment is generally still relatively low. One indicator that stands out is that most MSMEs owned by Malaysian migrant workers are trapped in online loans. The main problem faced by MSMEs is their low financial administration skills. The indicator can be seen from the fact that personal and business finances are still mixed up, so that it cannot be distinguished between the amount of assets owned, how much the bills are and how to prepare simple financial reports to obtain funding from the bank. As for the solution to overcome this problem, the IBM Faculty of Economics and Business Team will provide training and mentoring and introduce simple financial reporting technology using the Android application, which is an application that can be operated by MSME players offline, so that the financial administration system is more organized and biased. presented to obtain third party funding, (Banks and Investors).
Factors Influencing Financial Performance on Banking Companies in Indonesia: Does Financial Technology Matter? Zahra, Hakimatuz; Innayah, Maulida Nurul; Tubastuvi, Naelati; Aryoko, Yudhistira Pradhipta
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 3 (2024): IJEBAR, VOL. 8, ISSUE 3, September 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i3.14475

Abstract

This study aimed to examine the effect of company size, liquidity, and dividend policy on financial performance, using financial technology as a moderating variable and leverage as a control variable. The population of this study is conventional banking sector companies registered with the Indonesian Financial Services Authority (OJK) from 2019 to 2022. The sample collection method uses a purposive sampling technique. The number of samples obtained was 91 companies, with 137 observations. This study utilized the Fixed Effect Regression Model based on the preliminary test result for panel data regression. The results showed that liquidity and financial technology significantly positively affect financial performance. Company size and dividend policy have a negative effect on financial performance. The application of financial technology by conventional Indonesian banks can strengthen the influence of the positive relationship between firm size, liquidity, and dividend policy on financial performance. Based on this research, it is necessary to maintain an optimal level of liquidity and adopt financial technology to improve the company's financial performance. The easier and safer the financial technology the company uses will further affect the level of company performance.
MILLENNIAL’S INVESTMENT DECISION IN CAPITAL MARKET INVESTMENT WITH FINANCIAL BEHAVIOR AS AN INTERVENING VARIABLE Ramadani, Arienda Gitty; Tubastuvi, Naelati; Fitriati, Azmi; Widhiandono, Hengky
Riset Akuntansi dan Keuangan Indonesia Vol 7, No 3 (2022) Riset Akuntansi dan Keuangan Indonesia
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/reaksi.v7i3.21650

Abstract

This study aims to analyze the influence of financial literacy, financial experience, financial self -efficacy and risk tolerance on investment decisions mediated by financial behavior. The population in this study were local individual investors in the Indonesian Capital Market. Sample selection in this study was carried out using purposive sampling techniques. The sample used in this study was 300 samples. The data analysis techniques used in this study are descriptive statistical analysis, instrument testing, classical assumption test, multiple linear regression analysis, model fit test, and hypothesis test. The results of the study show that financial literacy, financial experience and financial self-efficacy have a positive effect on financial behavior. Risk tolerance does not have a positive impact on financial behavior. Financial literacy, financial self-efficacy, risk tolerance and financial behavior positively influence investment decisions. Financial experience has no positive effect on investment decisions. Financial behavior has proven to be able to mediate the influence of financial literacy, finan cial experience and financial self- efficacy on investment decisions. Financial behavior has proven unable to mediate the effect of risk tolerance on investment decisions.
Determinants Factor of Entrepreneurial Interest Among University Students Nurjanah, Anis Rofika; Rahmawati, Ika Yustina; Tubastuvi, Naelati; Bagis, Fatmah
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v3i1.7743

Abstract

The study aims to find out the impact of entrepreneurship education, financial literacy, self-efficiency, and love of money on the entrepreneurial interests of college students. Sampling techniques include accidental sampling and data collection through questionnaires distributed to active students who have undergone matriculation at the university. This examination uses the testing of the measurement model (outer model), the structural model (inner model), and the hypothesis for the analysis of the test. Research shows that entrepreneurship education, self-efficacy, and love of money have a positive influence on student entrepreneurial interests, whereas financial literacy has no effect on student entrepreneurial interests.
Co-Authors Aam Slamet Rusydiana, Aam Slamet Abidin, Gita Rosiliana Aditya, Yogga Aeni, Nurul Nur Afiani, Mirza Zulmi Afri Cahyani, Ikah Afrizal Zaki, Anas Aji , Mukhlis Prasetyo Akhmad Darmawan Alfalisyado Alfalisyado Alfalisyado, Alfalisyado Ali, Abdulmalek Anak Agung Gede Sugianthara Ani Kusbandiyah Anindita, Kurniasih Setya Arini Hidayah Arini Hidayah, Arini Arofah, Rifka Utami Aryoko, Yudhistira Pradhipta Ayu Aradhea, Nissa Azafii, Azka Saputra Azaria, Muhammad Javier Fausta Azizah, Farinda Hauna Azzahara, Cantik Tiara Maharani Bagis, Fatmah Basuki, Tri Wiyana Budi Santoso, Suryo Cahyani, Ikah Afri Damayanti, Dika Dinda Permatasari, Dinda Eko Hariyanto Eko Haryanto Erny Rachmawati Fahitaratih, Syafira Maistin Farah Almas Fadilah Fatmah Bagis Fitriati, Azmi Gunawan Putri, Nadya Loverina Haliza, Vivi Dwi Haq, Irdhiana Ilma Hari, Minti Haryanto, Totok Hengky Widhiandono Herni Justiana Astuti Hidayanti, Febriana Ibarra, Venus C. Inayati, Nur Isna Islami, Adelia Wahyu Iwan Fakhruddin Jaroenwanit, Pensri Justiana Astuti, Herni Kharisma, Billy Widoera Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Lestiana, Eli Mahmudah, Diana Maulida Nurul Innayah Maulidina, Azizah Melda Anggraini Miftahuddin, Muchammad Agung Mohamed, Liban Isak Mudjiyanti, Rina Nugroho, Bambang Haryo Nur Ainun, Rania Nurjanah, Anis Rofika Nurjannah, Afifah Zahroh Pandansari, Tiara Pramesti, Shasa Pratama, Andika Canggah Pratami, Naturi Diah Rabbani, Agum Akbar Rahmah, Nunung Aini Rahmawati, Ika Yustina Rahmawati, Meyssy Trisa Ramadani, Arienda Gitty Ramadhan, Sukmadianto Tri Ratna Kartika Wati Rayhan, Ainun Putri Restu Frida Utami Rezky Pramurindra Rifka Utami Arofah Rina Mudjiyanti Rohmah, Aulia Nur Salvati, Adelia Sobrotul M.Si SE. Ilmiani Sri Wahyuni Sri Wahyuni Sulistyani Budiningsih SURYO Budi Santoso Totok Haryanto Wahid, Dimas Lanang Rizky Wiasih, Dina Retno Wida Purwidianti Widhidanono, Hengky Widyaningtyas, Dian Widyastuti, Ani Nor Witasari, Rindi Wulan Ndatika, Utyea Wulan, Zani Nawang Yudi Firmansyah, Difandika Yuswandani, Arafah Esa Zahra, Hakimatuz Zamakhsyari, Luthfi