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All Journal Riset Akuntansi dan Keuangan Indonesia Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Journal of Economic, Bussines and Accounting (COSTING) Management and Economics Journal (MEC-J) EBSJ SENTRALISASI JURNAL MANAJEMEN DAN BISNIS INDONESIA Value: Jurnal Manajemen dan Akuntansi International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) Jurnal Akademi Akuntansi (JAA) Jurnal Manajemen Universitas Bung Hatta BASKARA: Journal of Business and Entrepreneurship Airlangga Journal of Innovation Management Wiga : Jurnal Penelitian Ilmu Ekonomi Media Ekonomi Master: Jurnal Manajemen dan Bisnis Terapan Prosiding University Research Colloquium Jurnal Pengabdian Kepada Masyarakat Kalam eJEBA
Ika Yustina Rahmawati
Universitas Muhammadiyah Purwokerto
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Determinan Profitabilitas Perusahaan Properti Dan Real Estate Di Indonesia Razita Izza Istiqomah; Wida Purwidianti; Hengky Widhiandono; Ika Yustina Rahmawati
Value : Jurnal Manajemen dan Akuntansi Vol. 21 No. 1 (2026): Januari - April 2026
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v21i1.8272

Abstract

Fluctuations in the profitability of the property and real estate sector in the 2022-2024 period demand more adaptive financial strategies. This study evaluates the role of operational efficiency and funding structure in determining the financial performance of 46 property and real estate companies listed on the Indonesia Stock Exchange. The novelty of this study lies in the examination of capital structure variables, which provides a new perspective on the effectiveness of debt under dynamic interest rate conditions. The findings indicate that accelerated asset turnover (Total Asset Turnover) and large company scale (Size) are the main drivers of increased profitability. Conversely, high reliance on debt (Capital Structure) actually becomes a financial burden that significantly depresses net income. The level of liquidity (Current Ratio) does not guarantee effective profit generation, indicating that excessive cash management without productive investment does not add value. Overall, this model is able to explain 80.8% of the variation in profitability. These results strengthen the relevance of signaling theory and pecking order theory and provide strategic guidance for management to prioritize asset efficiency over increasing debt burdens to maintain business sustainability.
Financial Inclusion as a Mediator of Financial Literacy, Technology Adoption, and Government Policy on MSME Performance Zaki Nur Hamam; Wida Purwidianti; Naelati Tubastuvi; Ika Yustina Rahmawati
Airlangga Journal of Innovation Management Vol. 7 No. 1 (2026): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v7i1.82959

Abstract

This study focuses on analyzing the effects of financial literacy, technology adoption, and government policies in influencing Micro, Small, and Medium Enterprises (MSMEs) in Banyumas, with financial inclusion acting as a mediator. This study utilizes a quantitative method through a convenience sampling approach, gathering data from a sample of 200 MSME stakeholders. Data has been processed using Structural Equation Modelling-Pooled Least Squares (SEM-PLS) via SmartPLS Software Version 3.0. The results show a significant positive effect of financial literacy, technology adoption, and government policies on financial inclusion. Financial literacy and technology adoption have a direct positive effect; in contrast, government policies have an insignificant direct effect, although a positive influence, on MSME performance. Financial inclusion has a surprisingly negative effect on MSME performance. However, financial inclusion still has a role as a mediator in MSMEs relating to performance among all financial literacy, technology adoption, and government policies. The observations from this paper provide an implication that financial inclusion plays a crucial role in determining business performance results. In practice, this paper supports promoting adaptive financial literacy, growth in technology adoption in financial services, and the development of policies tailored in accordance with local MSMEs. This study also enriches the literature by confirming the variation in the direction and strength of the relationship between variables in the context of developing countries, especially in non-metropolitan areas.
The Role of Financial Literacy in Mediating Overconfidence, Representativeness, Anchoring, and Availability Bias on Investment Decisions Viana Khoerunnisa; Ika Yustina Rahmawati; Naelati Tubastuvi; Alfato Yusnar Kharismasyah
MEC-J (Management and Economics Journal) Vol 10, No 2 (2026)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/mec-j.v10i2.44913

Abstract

This study aimed to investigate the relationship between heuristic behavioral biases and investment decision-making among Generation Z in Banyumas Regency, based on Behavioral Finance Theory and Heuristic Behaviour Theory, using financial literacy as a mediator in the decision-making process. The methods used in this study are quantitative, employing purposive sampling techniques with data from Generation Z in Banyumas who invest in financial and real assets, comprising 282 respondents aged 18-29 years. Data were collected via a questionnaire and analyzed using the SmartPLS method to test the relationship among variables in the research model, as measured through questionnaire indicators. The results showed that availability has a significant positive direct effect on investment decisions; overconfidence and availability have significant positive effects mediated by financial literacy; whereas representativeness does not have a significant effect on investment decisions, either directly or indirectly. A key finding of this study is that financial literacy partially mediates heuristic behavior regarding investment decisions. The results of this study indicated that the higher a person’s financial literacy, the more rational they will be in making investment decisions to achieve returns on their investments.
PENGARUH DIGITAL MARKETING, WORD OF MOUTH, BRAND TRUST, DAN BRAND IMAGE TERHADAP KEPUTUSAN PEMBELIAN DI KOPI KENANGAN PURWOKERTO Safira Ocktaviyani; Totok Haryanto; Herni Justiana Astuti; Ika Yustina Rahmawati
Jurnal Maneksi Vol. 15 No. 3 (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.v15i3.4060

Abstract

Introduction: This study aims to analyze the influence of digital marketing, word of mouth, brand trust, and brand image on purchase decisions among Kopi Kenangan consumers in Purwokerto.Methods: This study uses a quantitative approach with primary data obtained through the distribution of questionnaires to 125 respondents who were selected using purposive sampling techniques. Data analysis was carried out using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method with the help of SmartPLS 3.0 software.Results: The results of the study show that digital marketing, word of mouth, brand trust, and brand image have a positive and significant effect on the purchase decision of Kopi Kenangan.Conclusion and Suggestion: The purchase decision for Kopi Kenangan shows that the better the digital marketing strategy carried out, the more positive word of mouth will be formed. And the higher the trust and brand image in the minds of consumers, it will increase consumer purchase decisions. Further research is suggested to involve more participants and add variables such as price and customer experience so that the study is more comprehensive and has a broader generalization power. There is an opportunity that occurs if moderation factors are added that can affect the relationship between independent variables and purchasing decisions or use a qualitative approach to better understand consumer perception. Keywords: Brand Trust; Brand Image; Digital Marketing; Purchase Decision; Word of Mouth
The Effect of Liquidity, Profitability, Leverage on Corporate Value with Dividend Policy and BI Rate as Moderated Variables (Study of Banking Companies Listed on the Indonesia Stock Exchange in 2014-2017) Dana Eka Setiawan; Ika Yustina Rahmawati
Economics and Business Solutions Journal Vol. 4 No. 1 (2020): Economics and Business Solutions Journal
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (562.992 KB) | DOI: 10.26623/ebsj.v4i1.2239

Abstract

This study aims to examine the effect of liquidity, profitability, leverage on corporate value with dividend policy and the BI Rate as a moderating variable on banking companies listed on the Indonesia Stock Exchange in 2014-2017. The study used a purposive sampling method for sampling, as many as 13 banks based on criteria. This study uses secondary data from company annual reports. Data were analyzed using SPSS 25. The results showed that: liquidity had a negative and not significant effect on corporate value, profitability had a positive and significant effect on corporate value, leverage had a negative and not significant effect on corporate value, dividend policy and the BI Rate are not able to moderate the effect of liquidity, profitability, and leverage on corporate value.
The Influence of Internal Locus of Control, Spiritual Intelligence, Financial Literacy, and Lifestyle on Personal Financial Management Behavior Risma Fauzah; Ika Yustina Rahmawati; Naelati Tubastuvi; 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.
Co-Authors Akhmad Darmawan Alfalisyado Alfalisyado Alfato Yusnar Kharismasyah Alldho Dharma Rahardhiansyah Arafah Esa Yuswandani Arienda Gitty Ramadani Artika Cahyaningsih Ayu Ramadhaning Tyas Cicih Wiarsih Dana Eka Setiawan Erny Rachmawati Hengky Widhiandono, M.Si. S.E. Hermin Endratno Herni Justiana Astuti Lahan Adi Purwanto Muhamad Riki Muhammad Fuad Naelati Tubastuvi Naelati Tubastuvi Nina Setyasari Novi Crisnandani Razita Izza Istiqomah Restu Frida Utami Retno Dwiyanti Risma Fauzah Rizka Septiana Putri Safira Ocktaviyani Septiana Endang Subekti Sulistiyani Budiningsih Suyoto Suyoto Tiara Pandansari Totok Haryanto Tri Septin Muji Rahayu, Tri Septin Tubagus Zuhdan Azis Ugung Dwi Ario Viana Khoerunnisa Wida Purwidianti Wida Purwidianti Yudhistira Pradhipta Aryoko Zaki Nur Hamam