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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang SEGMEN Jurnal Manajemen dan Bisnis Jurnal Manajemen Bisnis JDM (Jurnal Dinamika Manajemen) Majalah Neraca Journal of Accounting and Investment JURNAL EKONOMI DAN BISNIS AIRLANGGA EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Akuisisi : Jurnal Akuntansi Jurnal Maneksi (Management Ekonomi Dan Akuntansi) AKUNTANSI DEWANTARA JBMP (Jurnal Bisnis, Manajemen dan Perbankan) JURNAL MANAJEMEN MOTIVASI Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) SENTRALISASI J-MAS (Jurnal Manajemen dan Sains) Owner : Riset dan Jurnal Akuntansi Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan EQIEN - JURNAL EKONOMI DAN BISNIS Competitive Jurnal Akuntansi dan Keuangan Business Management Analysis Journal (BMAJ) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah BALANCE: Economic, Business, Management and Accounting Journal Jurnal Proaksi 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 Wiga : Jurnal Penelitian Ilmu Ekonomi 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 Management and Digital Business Pattimura Proceeding : Conference of Science and Technology 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 International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Paradoks : Jurnal Ilmu Ekonomi Islamic Economics Methodology Journal of Economic and Social Empowerment IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Riset Akuntansi dan Keuangan Indonesia International Journal of Economics, Business and Innovation Research JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Ilmu Manajemen JESH: Journal of Economics, Social, and Humanities
Naelati Tubastuvi
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Factors Affecting Personal Financial Management Salsabilla, Syaefa Intan; Tubastuvi, Naelati; Purnadi, Purnadi; Innayah, Maulida Nurul
Jurnal Manajemen Bisnis Vol. 13 No. 1: March 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v13i1.13489

Abstract

Research aims: This study aims to analyze the effect of financial education in the family, financial literacy, peers, and a hedonism lifestyle on personal financial management. Design/Methodology/Approach: Based on Roscoe's calculations, 100 respondents were sampled. The results of the analysis show that financial education in the family do not affect students personal financial management. The population in this study were undergraduate students of the Faculty of Economics and Business, University of Muhammadiyah Purwokerto, Jenderal Soedirman University, and State Islamic University of Saifuddin Zuhri class of 2018-2020. The sample selection in this study used a purposive sampling technique. Research findings: The results of the analysis show that financial education in the family do not affect students personal financial management. Meanwhile, financial literacy, peers, and hedonism lifestyle have a positive effect on students personal financial management. Theoritical contribution/Originality: This study uses the theory of planned behavior, which in this theory states that there are three factors that influence this theory, namely 1) attitude towards behavior, 2) subjective norm, and 3) perceived behavioral control. This study gives contribution to manage personal management.Practitioner/Policy implication: Practically, this research implies the importance of managing personal finances so as to avoid consumptive behavior. Research limitation/Implication: Limitations in this study are the results of R2 of 46%, which means that the variables studied are good enough to influence the personal financial management of students and also this research is only in 1 faculty with a sample of 100.
Drivers of AI Adoption: The Role of Innovation Attributes, Organizational Capability, and the External Environment Hashmi, Maria; Tubastuvi, Naelati
Pattimura Proceeding 2026: Proceeding of the 3rd International Conference of International Conference on Business and Eco
Publisher : Pattimura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/pcst.2026.iconbe.p129-145

Abstract

Artificial Intelligence continues to reshape the ICT sector in Pakistan, yet organizations differ widely in how and why they adopt this technology. This study explores the key drivers of AI adoption by focusing on national ICT professionals who work directly with digital systems and emerging technologies. A total of 110 valid responses were collected through an organized online survey using purposive sampling. The investigation was guided by Technology Organization Environment framework combined with innovation characteristics from Diffusion of Innovation theory. The variables examined include the perceived suitability of AI to current systems, the benefits and complexity of adopting AI, organizational technical capability, and external environmental pressures. Data analysis involved Smart PLS-SEM, which facilitated reliability and validity assessment along with hypothesis evaluation. The outcomes highlight that seamless compatibility with existing infrastructure plays a key role in encouraging AI adoption, offers clear operational value, and is not overly difficult to implement. Technical capability also demonstrates a strong influence, indicating that firms with mature digital systems are better prepared to integrate AI solutions. In contrast, external environmental pressures did not show a significant role in the adoption process. These findings highlight that internal technological perceptions and readiness are stronger predictors of AI adoption than external forces in operating ICT firms in Pakistan. The study provides insights that can help organizations strengthen their technical readiness and make more confident decisions when transitioning toward AI enabled transformation. This study contributes to AI adoption literature by isolating organizational technical capability and providing national level evidence from an emerging ICT economy.
FINANCIAL KNOWLEDGE, ATTITUDES, AND CULTURE AS DETERMINANTS OF FINANCIAL LITERACY: THE MEDIATING ROLE OF FINANCIAL BEHAVIOR AMONG GENERATION Z Frisna, Anindia; Tubastuvi, Naelati; Bagis, Fatmah; Innayah, Maulida Nurul
SEGMEN: Jurnal Manajemen dan Bisnis Vol 22, No 1 (2026): SEGMEN Jurnal Manajemen dan Bisnis
Publisher : FE Program Studi Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/sjmb.v22i1.9246

Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and financial culture on financial literacy, with financial behavior as a mediating variable among Generation Z in Banyumas Regency. The research addresses the problem of how financial behavior strengthens the role of individual financial factors in improving financial literacy among young generations.This study employs a quantitative approach using purposive sampling with 245 respondents aged 13–28 years. Data were collected through a Likert-scale questionnaire (1–5) and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that financial knowledge, financial attitude, and financial culture have a positive and significant effect on financial behavior. Financial knowledge and financial culture also have a direct positive and significant effect on financial literacy, while financial attitude does not show a significant direct effect. Furthermore, financial behavior positively and significantly mediates the relationship between financial knowledge, financial attitude, and financial culture on financial literacy
PENGARUH SHOOPING LIFESTYLE, PRICE DISCOUNT, DAN GAMIFICATION TERHADAP IMPULSE BUYING DENGAN POSITIVE EMOTION SEBAGAI VARIABEL MEDIASI: STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH PURWOKERTO Rif'aa, Naela Aziizahtur; Haryanto, Totok; Tubastuvi, Naelati; Hidayah, Arini
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/rq54vv75

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh shopping lifestyle, price discount, dan gamification terhadap impulse buying dengan positive emotion sebagai variabel mediasi pada konsumen Tiktok shop. Tempat penelitian dilakukan di Universitas Muhammadiyah Purwokerto dengan populasi 22.493 mahasiswa. Metode yang digunakan yaitu kuantitatif dengan teknik sampling yang digunakan yaitu proportional sampling dan purposive sampling dengan 130 responden. Alat yang digunakan pada penelitian yaitu SEM-PLS untuk menguji keterkaitan antar variabel.  Hasil penelitian menunjukkan bahwa ketiga variabel independen tidak berpengaruh terhadap impulse buying sedangkan positive emotion berpengaruh terhadap impulse buying. Shopping lifestyle tidak berpengaruh terhadap positive emotion, sedangkan price discount dan gamification berpengaruh terhadap positive emotion. Positive emotion juga mampu memediasi price discount dan gamification terhadap impulse buying, tetapi tidak dengan shopping lifestyle. Implikasi penelitian ini diharapkan menjadi acuan e-commerce untuk merancang startegi promosi dan pengalaman belanja bagi konsumen.
GCG, CSR and Interest Rate as Determinant of Firm Value Pragita, Amellia; Purwidianti, Wida; Hidayah, Arini; Tubastuvi, Naelati
Jurnal Proaksi Vol. 13 No. 1 (2026): Januari - Maret 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jpk.v13i1.8189

Abstract

Main Objectives - This study examines the influence of GCG, CSR, and interest rates on the value of companies in the Indonesian financial sector during the period 2021–2024.Method - This study uses a quantitative approach with secondary data that there are 25 financial companies that meet the criteria from 105 companies listed on the IDX, analyzed through panel data regression using Stata 17 MP.Key Findings - The results of the study show that managerial ownership significantly increases the value of the firm , while the board of directors, independent commissioners, CSR, and interest rates have no effect. This shows that managerial ownership is crucial in increasing the value of companies in the financial sector.Theoretical and Practical Implications - Theoretically, the results of this study support agency theory and arbitrage theory, which show that managerial ownership aligns the interests of management and shareholders, while market efficiency affects the value of the firm . Practically, companies must strengthen the implementation of GCG and CSR to increase firm  value.Novelty -  This study extends prior research by adding managerial ownership and interest rates to the analysis of firm value. It also shifts the context to the Indonesian financial sector during the 2021–2024 period.
The Mediating Role of Financial Self-Efficacy in Financial Management Behavior Nur Reza, Anggita; Tubastuvi, Naelati; Astuti, Herni Justiana; Innayah, Maulida Nurul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11274

Abstract

College students are the agent of change who are expected to boost the country’s economy, but the consumerist and wasteful lifestyle among college students remains a real problem. This study aims to analyze the influence of financial attitude, financial literacy, and locus of control on financial management behavior with financial self-efficacy as a mediating variable among students in Purwokerto. The population in this study consisted of 9,037 active students majoring in economics and business from three universities, namely Muhammadiyah University Purwokerto, Jenderal Soedirman University, and Prof. KH. Saifuddin Zuhri State Islamic University Purwokerto. The sampling technique used the Slovin formula, which produced 170 respondents. The research approach used was quantitative with data processing techniques using SmartPLS version 3.0 through three stages, namely outer model, inner model, and bootstrapping. The results showed that financial attitude, financial literacy, and locus of control had a positive and significant effect on financial self-efficacy and financial management behavior. In addition, financial self-efficacy was also proven to positively and significantly mediate the relationship between financial attitude, financial literacy, and locus of control with financial management behavior. These findings confirm that self-confidence in financial abilities plays an important role in strengthening the relationship between attitude, literacy, and self-control in students' financial management behavior. This study implies that improving financial self-efficacy and financial literacy education should be a primary focus in shaping wise and responsible financial behavior among the younger generation
Impact of Board Diversity and Institutional Ownership on Performance and Risk of LQ45 Firms Febiani, Syarila Asri; Tubastuvi, Naelati; Purwidianti, Wida; Utami, Restu Frida
MAKSIMUM: Media Akuntansi Universitas Muhammadiyah Semarang Vol 16, No 1 (2026): Maksimum: Media Akuntansi Universitas Muhammadiyah Semarang
Publisher : Universitas Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26714/mki.16.1.2026.034-048

Abstract

This study examines the influence of board diversity (gender, nationality, and age) and institutional ownership on company performance and risk among companies listed on the LQ45 index from 2020 to 2023. This study employs a quantitative approach, utilising secondary data collected from company annual reports. The sample comprises 25 companies and 100 observations spanning 4 years. The analysis was conducted using multiple linear regression in StataMP 17 to determine the influence of independent variables on company performance, measured by Return on Assets (ROA), and on company risk, calculated using the Debt-to-Equity Ratio (DER). The results indicate that board diversity has a significant positive effect on ROA, while gender and age diversity do not show a substantial impact on company performance. On the other hand, institutional ownership has a significant adverse effect on ROA, indicating that higher institutional ownership tends to reduce a company's performance. All independent variables also had no significant impact on company risk (DER). These findings suggest that, although board diversity and institutional ownership can theoretically enhance oversight and decision-making, their practical implications remain limited due to the low proportion of female, foreign, and young directors, as well as the lack of active institutional involvement. This study contributes to the corporate governance literature in the Indonesian capital market and suggests that future research should include mediation or moderation variables to gain a more comprehensive understanding.
The Influence of Internal Locus of Control, Spiritual Intelligence, Financial Literacy, and Lifestyle on Personal Financial Management Behavior Fauzah, Risma; Rahmawati, Ika Yustina; Tubastuvi, Naelati; Alfalisyado, Alfalisyado
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 16 No. 1 (2026): March 2026
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/wiga.v16i1.1488

Abstract

This study aims to analyze the effects of internal locus of control, spiritual intelligence, financial literacy, and lifestyle on students' personal financial management behaviour in Purwokerto. The population consisted of active students at Universitas Muhammadiyah Purwokerto, Universitas Islam Negeri Saifuddin Zuhri, and Universitas Jenderal Soedirman. The research sample was selected using proportional random sampling. The data used is quantitative data gathered through a Google Forms-based questionnaire, which was distributed to students through social media. This study involved 100 respondents, whose number was determined with the use of the Slovin formula. Data analysis was conducted using SmartPLS 3 to identify relationships among variables. Measurement model testing through Outer Loading, Discriminant Validity, Construct Reliability and Validity, R Square, and then continued with hypothesis testing. The analysis results revealed that internal locus of control, financial literacy, and lifestyle significantly affect personal financial management behaviour, while spiritual intelligence does not show an effect that is significant effect on personal financial management behaviour. The findings provide a new perspective on the influencing factors for students’ financial decisions and deepen our understanding regarding the aspects that affect their financial management behaviour.
PROFITABILITY DRIVERS OF ISLAMIC COMMERCIAL BANKS IN INDONESIA : A FINANCIAL INDICATOR APPROACH Suhailah, Zulfa; Tubastuvi, Naelati; Astuti, Herni Justiana; Innayah, Maulida Nurul
JURNAL PROFIT Vol 10, No 1 (2026): Economic And Investment
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v10i1.14039

Abstract

This study examines the influence of internal factors such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Non-Performing Financing (NPF), and Bank Size on Profitability, represented by Return on Assets (ROA), in Islamic Commercial Banks authorized by the Financial Services Authority (Otoritas Jasa Keuangan or OJK) in Indonesia Using quarterly data spanning 2021–2024 from 14 Islamic commercial banks—yielding 206 observations through purposive sampling—and employing a Fixed Effect Model panel data regression approach, this research aims to capture financial performance dynamics in a more granular and timely manner compared to the annual data predominantly used in prior studies. The novelty of this study lies in the adoption of quarterly data, which provides greater sensitivity to short-term economic fluctuations and seasonal effects in the post-pandemic and post-merger era, as well as the explicit inclusion of Bank Size as an independent variable—rather than merely as a control variable as in most previous research—allowing for a direct examination of its role in driving profitability. The analysis results indicate that only BOPO has a significant negative effect on ROA, while CAR, FDR, NPF, and Bank Size are insignificant. Practical implications include recommendations for bank management to optimize operational cost control and for OJK regulators to strengthen adaptive policies addressing short-term economic fluctuations.
THE INFLUENCE OF BRAND AMBASSADOR, BRAND IMAGE, WORD OF MOUTH, AND PRODUCT QUALITY ON SKINTIFIC SKINCARE PURCHASE DECISIONS Sayidatina, Syahlira; Rachmawati, Erny; Tubastuvi, Naelati; Widyaningtyas, Dian
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3740

Abstract

Introduction: This study aims to analyze the influence of brand ambassadors, brand image, word-of-mouth, and product quality on Skintific skincare purchase decisions.Methods: The study uses a quantitative, 5-point Likert-scale assessment. The selected sample uses purposive sampling. The population in this study is the general public of Purwokerto who have purchased Skintific skincare twice. Data were collected through the distribution of questionnaires, yielding 125 responses. Furthermore, the data were analyzed using SPSS version 24.Results: The study shows that brand ambassadors and product quality have a positive and significant effect on purchase decisions, whereas brand image and word of mouth do not.Conclusion and suggestion: This study shows that brand ambassadors and product quality are important factors in consumers' choice of skincare products. However, brand image and word of mouth have not had an optimal influence on purchase decisions, so companies need to improve their strategies to strengthen brand image and word of mouth through more effective marketing and improve consumer experience to order to drive purchase decisions. Keywords: Brand Ambassador, Brand Image, Word of Mouth, Product Quality, Purchase Decision  
Co-Authors Aam Slamet Rusydiana, Aam Slamet Abidin, Gita Rosiliana Aditya, Yogga Aeni, Nurul Nur Afiani, Mirza Zulmi Afifah Afri Cahyani, Ikah Afrizal Zaki, Anas Aji , Mukhlis Prasetyo Akhmad Darmawan Akhmad Darmawan Alfalisyado Alfalisyado Alfalisyado, Alfalisyado Ali, Abdulmalek Amelika, Aprilita Tri Amir Amir 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 Baligh Al Haj Basuki, Tri Wiyana Budi Santoso, Suryo Cahyani, Ikah Afri Damayanti, Dika Dheya Alhag Alsharabi Dinda Permatasari, Dinda Eko Hariyanto Eko Haryanto Erny Rachmawati Fahitaratih, Syafira Maistin Farah Almas Fadilah Fatimah Fatma Pramesti, Ayunda Fatmah Bagis Fauzah, Risma Fauziridwan, Meydy Febiani, Syarila Asri Fitriati, Azmi Frisna, Anindia Gemintang, Raihan Akbar Cahya Gunawan Putri, Nadya Loverina Haliza, Vivi Dwi Hamam, Zaki Nur Handayani, Erna Haq, Irdhiana Ilma Hari, Minti Haryanto, Totok Hashmi, Maria Hengky Widhiandono, M.Si. S.E. Herni Justiana Astuti Hidayanti, Febriana Ibarra, Venus C. Ifatunisa, Mutia Inayati, Nur Isna Islami, Adelia Wahyu Iwan Fakhruddin Jaroenwanit, Pensri Justiana Astuti, Herni Kamellia, Siti Kharisma, Billy Widoera Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Laeli, Divasa Fatikhatul Lestiana, Eli Luthfi Zamakhsyari Maulida Nurul Innayah Maulidina, Azizah Melda Anggraini Miftahuddin, Muchammad Agung Mohamed, Liban Isak Mudjiyanti, Rina Nugroho, Bambang Haryo Nur Ainun, Rania Nur Reza, Anggita Nurjanah, Anis Rofika Nurjannah, Afifah Zahroh Pandansari, Tiara Pragita, Amellia Pramesti, Shasa Pramurindra, Rezky Pratama, Andika Canggah Pratami, Naturi Diah Purnadi Purnadi, Purnadi 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 Rif'aa, Naela Aziizahtur Rifka Utami Arofah Rina Mudjiyanti Rohmah, Aulia Nur Roslan, Nur Hafiza Salsabilla, Syaefa Intan Salvati, Adelia Sari, Lelly Kartika Sayidatina, Syahlira Sobrotul M.Si SE. Ilmiani Sri Wahyuni Sri Wahyuni Suhailah, Zulfa Sulistyani Budiningsih SURYO Budi Santoso Sutra, Bisma Anjala Suyoto Suyoto , Suyoto Totok Haryanto Wahid, Dimas Lanang Rizky Wiasih, Dina Retno Wida Purwidianti Widhiandono , Hengky Widhidanono, Hengky Widyaningtyas, Dian Widyastuti, Ani Nor Witasari, Rindi Wulan Ndatika, Utyea Wulan, Zani Nawang Yudi Firmansyah, Difandika Yuswandani, Arafah Esa Zahra, Hakimatuz