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All Journal JURNAL ECONOMIA AQUATIC SCIENCE & MANAGEMENT JURNAL ILMIAH PLATAX Trikonomika: Jurnal Ekonomi Assets : Jurnal Ekonomi, Manajemen dan Akuntansi PROFIT : Jurnal Administrasi Bisnis Jurnal Ilmiah Mahasiswa Ekonomi Manajemen JURNAL IPTEKS PEMANFAATAN SUMBERDAYA PERIKANAN Widya Cipta : Jurnal Sekretari dan Manajemen Syntax Literate: Jurnal Ilmiah Indonesia Journal of Economic, Bussines and Accounting (COSTING) REKAMAN (Jurnal Riset Ekonomi Bidang Akuntansi dan Manajemen) J-MAS (Jurnal Manajemen dan Sains) SEIKO : Journal of Management & Business EQIEN - JURNAL EKONOMI DAN BISNIS YUME : Journal of Management JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) MANAJEMEN DEWANTARA JURNAL LENTERA BISNIS Jurnal Pengabdian Masyarakat Borneo Performance : Jurnal Bisnis dan Akuntansi Business Management Journal Program Studi Manajemen Journal of Global Business and Management Review Revitalisasi : Jurnal Ilmu Manajemen Prosiding National Conference for Community Service Project Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Bina Manajemen EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Darma Agung Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian kepada Masyarakat Nusantara Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Economics and Digital Business Review Jurnal Pengabdian kepada Masyarakat Asian Management and Business Review Jurnal Ilmu Manajemen Advantage Golden Ratio of Finance Management Journal Of Human And Education (JAHE) Formosa Journal of Multidisciplinary Research (FJMR) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Mestaka: Jurnal Pengabdian Kepada Masyarakat Jurnal Kreasi Rakyat Innovative: Journal Of Social Science Research MDP Student Conference Ranah Research : Journal of Multidisciplinary Research and Development Economos : Jurnal Ekonomi dan Bisnis Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Conference on Community Engagement Project (Concept) Conference on Business, Social Sciences and Technology (CoNeScINTech) Social Engagement: Jurnal Pengabdian Kepada Masyarakat Madani: Jurnal Pengabdian Masyarakat dan Kewirausahaan Mutiara: Jurnal Penelitian dan Karya Ilmiah Jurnal Edukasi Pengabdian Masyarakat: EDUABDIMAS Jurnal Pengabdian Barelang Blantika : Multidisciplinary Journal GEMBIRA (Pengabdian Kepada Masyarakat) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Gudang Jurnal Pengabdian Masyarakat Jurnal Pendekar Nusantara Asian Journal of Management, Entrepreneurship and Social Science Jurnal Manajemen Maranatha Indonesia Berdampak: Jurnal Pengabdian Kepada Masyarakat
Johny Budiman
Universitas Internasional Batam
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Public Health Social Sciences Transportation Other

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Fintech Adoption among College Students in Batam, Indonesia: The Influence of Ease of Use and Usefulness Candy, C.; Huang, Stephen; Budiman, Johny
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.1998

Abstract

Fintech still has significant room for growth, but industry competition is becoming increasingly challenging. To increase fintech adoption, companies must understand individual behavior. This study aims to examine perceived ease of use (PEOU) and perceived usefulness (PU) as central factors that may impact fintech adoption (FA) among college students, a group with a high likelihood of fintech use. This study adopts a quantitative approach, with data collected via a questionnaire distributed to 364 Indonesian college students. Data processing and analysis were performed with Partial Least Squares-Structural Equation Modeling (PLS-SEM). The findings reveal that PEOU positively affects FA among students, both directly and indirectly through PU. In addition, PEOU enhances PU, thereby positively influencing FA. Easy-to-use fintech services help students recognize their practical benefits, thereby encouraging quick adoption. These results suggest that fintech companies targeting college students should prioritize user-friendly design, relevant features, and marketing messages that emphasize ease of use and real benefits to enhance adoption.
Perancangan dan Penerapan Standard Operasional Prosedur (SOP) Terkait Keselamatan Kerja pada PT Amnor Shipyard Johny Budiman; Virny Natasya
Social Engagement: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 2 (2026): Maret 2026
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/se.v4i2.11976

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk merancang dan menerapkan Standard Operasional Prosedur (SOP) keselamatan kerja yang terstruktur dan aplikatif di PT Amnor Shipyard, Batam, guna meningkatkan Keselamatan dan Kesehatan Kerja (K3) serta meminimalkan risiko kecelakaan kerja. Metode pelaksanaan menggunakan pendekatan kualitatif melalui observasi lapangan, wawancara dengan manajemen, supervisor, dan pekerja, serta studi dokumentasi. Data yang diperoleh dianalisis menggunakan metode Job Safety Analysis (JSA) untuk mengidentifikasi aktivitas kritis dan potensi bahaya kerja. Hasil pelaksanaan menunjukkan tersusunnya delapan dokumen SOP keselamatan kerja untuk aktivitas berisiko tinggi, dilengkapi checklist inspeksi, formulir pendukung, serta panduan implementasi dan sosialisasi. Penerapan SOP ini meningkatkan kesadaran pekerja terhadap K3, memudahkan pengawasan manajemen, dan menjadi dasar penguatan budaya keselamatan kerja di PT Amnor Shipyard. 
Trust, Security, Comfort, and Social Presence Sebagai Prediktor Basic dan Advanced Virtual Agent Usage Intention Candy, Candy; Budiman, Johny; Malino, Ahmad Esa Galang; Darwin, Darwin; Wijaya, Frendy; Wijaya, Hendra; Stewendy, Stewendy
MDP Student Conference Vol 5 No 2 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i2.15264

Abstract

Artificial intelligence (AI) has significantly improved efficiency in financial technology (fintech) services in Indonesia and globally. This study aims to analyze the perceptions of university students in Indonesia regarding the use of financial technology in an era of rapid AI development. In addition, the study examines students’ perspectives on fintech usage in relation to the security of users’ assets. The research employs a questionnaire-based method conducted across Indonesian universities, involving 217 university student respondents. The results indicate that psychological factors influence the intention to use virtual agents differently across basic and advanced digital financial services. Perceived security has a stronger effect on the adoption of virtual agents for routine transactions, whereas perceived convenience plays a key role in encouraging their use for more complex financial services. These findings highlight the importance of tailoring the design of AI-based virtual agents to the level of complexity of the financial services offered.
Money Management, Financial Security, dan Financial Behavior: Peran Mediasi Financial Stress Candy, Candy; Budiman, Johny; Feby, Kristine Gladis; Putri, Deandra Emilya; Nabilah, Cheisya; Putri, Fathir Suria Marika; Rahmatika, Tasha
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15334

Abstract

This study aims to analyze the effect of current money management stress and expected future financial security on financial behavior, with financial stress as a mediating variable among individuals of productive age in Indonesia. This study adopts a quantitative approach using a survey method through the distribution of online questionnaires to respondents aged 17–64 years. The sampling technique applied is non-probability sampling using the convenience sampling method. Data were analyzed using structural equation modeling based on partial least squares with the assistance of SmartPLS software. The findings indicate that current money management stress has a significant effect on financial stress and financial behavior, while expected future financial security significantly affects financial behavior. However, financial stress is not found to mediate the relationship between independent variables and financial behavior.
Digital Financial Literacy, Behavioral Intention, and Financial Inclusion Budiman, Johny; Candy, Candy; Andita, Amelia; Ati, Errina; Putri, Dhamma Vicaya; Larventy, Larventy; Tu, Michelle Nataline
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15537

Abstract

This study examines the effects of Digital Financial Literacy (DFL) and Mobile Perceived Financial Cost (MPFC) on Digital Financial Inclusion (DFI), with Behavioral Intention (BI) and Use behavior (UB) as mediating variables. Using a quantitative approach, data were collected from 203 mobile fintech users in Batam City and analyzed with PLS-SEM. The results show that DFL has a positive and significant effect on BI, which subsequently influences UB and enhances DFI. BI and UB act as mediating variables, while MPFC has no significant effect on fintech usage. These findings emphasize the importance of digital financial literacy in promoting digital financial inclusion.
Fintech Adoption Behavior Among University Students Budiman, Johny; Candy, Candy; Febrianti, Della; Rahmadani, Herisna; Syahputri, Dinda Rafika; Liu, Anastassia Joan
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15541

Abstract

This study aims to analyze the effects of perceived usefulness, government support, and digital financial literacy on behavioral intention and use behavior in the use of Financial Technology (FinTech) services among university students. Data were collected through a questionnaire from 214 student respondents and analyzed using the PLS-SEM method. The results indicate that perceived usefulness and digital financial literacy have a positive and significant effect on behavioral intention and use behavior, while government support has no significant effect, either directly or indirectly. Furthermore, behavioral intention is proven to mediate the effects of perceived usefulness and digital financial literacy on use behavior, but it does not mediate the effect of government support. These findings suggest that perceived usefulness and digital financial literacy are the main factors driving students’ use of FinTech services.
DAMPAK STRUKTUR MODAL TERHADAP KINERJA KEUANGAN PERUSAHAAN KELUARGA TERBUKA: STUDI KASUS PADA PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA James Gan; Johny Budiman; Hesnianti
MANAJEMEN DEWANTARA Vol 10 No 1 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i1.21040

Abstract

This study examines the impact of capital structure on the financial performance of family-owned firms in Indonesia. In addition, it explores the moderating role of ownership concentration. The data were obtained from family firms listed on the Indonesia Stock Exchange (IDX) for the period 2019–2024 and analyzed using panel data regression with a fixed effects model. Capital structure is measured using the ratios of short-term debt, long-term debt, and total debt to total assets, while financial performance is assessed using ROA and ROE. The results indicate that both short-term and long-term debt have a significant negative effect on ROA and ROE, whereas total debt shows a significantly positive effect on both performance indicators. Ownership concentration moderates these relationships, with effects that either strengthen or weaken the influence of debt depending on the type. Control variables such as firm size and age show no significant impact on performance, while sales growth positively affects ROA only. These findings highlight the importance of maintaining a balanced capital structure and the strategic role of concentrated ownership in enhancing the effectiveness of financial decision-making.
Co-Authors -, Nico Hadi Adi Hartono Aglius T.R. Telleng Aglius T.R. Telleng agustin, isnaini nuzula Agustini Fatmasari Ainabila, Salsa Siti Alex Alex Alexander J. W Alfret Luasunaung Andarini, Retno Andita, Amelia Andrea Putri Andy Tio Andy Tio Angela Angela Angelina Julia Renaldi Angelina, Winna Angeline Aurellia Anindito Leksono Anna Isabella Lau Anthony Chang Antonio Tantra Wijaya Aprilia Chandrawati Arianto Arianto Arifin, Supriyadi Ati, Errina Bernard Bernard Calvin Calvin Candy Candy Candy, C. Cecilia Cecilia Chandra Wijaya Chang, Wirren Changyoni, Suci Cheristina, Cheristina Christina Christina Chrysti, Angelica Vivian Cindy Fransiska Coral Aswanti Darvin Ang Darwin Darwin Delfina Delfina Denny Denny Desmond Lim Dessy Alliandrina DESTIANA SAFITRI Devin Devin Diana Novella Diana Oktavia Edvan Suwandi Edward Cornelyanto Edwin Edwin Emil Reppie Emil Reppie Erilia Kesumahati Ernestine, Ernestine Ervina Ervina Esfandiany, Shelby Estin Rose Eviyani Febrianti, Della Febriyanti Febriyanti Feby, Kristine Gladis Felicia Koo Ferdinand Jason Fionna Quinn Florentina Jasmine Fransisco P. T. Pangalila Gan, James Greceila Veronica Tanita Gusfandi Gusfandi Hadi, Nico Halim, Rynando Sadrakh Hansend Cristoper Hardy W. L Helena Helena Hendra Dewantara Hendra Wijaya Hendrawan Hendrawan Hendriyanto Hendriyanto Henly Henly Hesnianti Hesniati, Hesniati Huang, Stephen Inda Meyllya Putri Indramawan Indramawan Inneke F. M Rumengan Irvin Ng Jacelyn Christina Yeo Jacelyn Jacelyn James Gan Jasika Jasika Jasika, Jasika Jaslin Marvina Jefri Ariffendi Jennifer Jennifer Jenny Jenny Jeslyn Jeslyn Jesni Jesni Jessica Jessica Jessica Novia Jessica Valeria Jessy Valencia Jihadhatul Akbar Joey Joey Jofen Cenedi Jofia, Nurul John Christian Tedjo Jolin Jolin, Jolin Jolin, Jolin Jongestu, Jofen Cenedi Jovan Pratama Jovianto Jovianto Joycelin Joycelin Julius Kurnaedi Junita Junita Juven Gautama Kelvin Kelvin Kendy Setiawan Hartono Kevin Antonio Kristina Kristina Larventy, Larventy Licca, Vellia Lie, Kelvin Lily Indrawati Lindawati Lindawati Liu, Anastassia Joan Louis Vernando Lovis Vernando Lumuindong, Frans Lydia Lestari Lydia Sasmita Mahendra, Rizky Adi Malino, Ahmad Esa Galang Manu, Lusia Marheni, Dewi Khornida Maridza, Fidella Dita Martinus, Titan Mayviana, Vivin Meilita Meilita Melvin, Melvin Michelle Angel Lim Mulyaningrum Mulyaningrum Nabilah, Cheisya Nelson Donglas Ng, Mardiana Novita Novita Olinda Viviani Ong, Teddy Oscar, Franky Paramitha Tanujaya, Priscillia Patricia Patricia Piere Ricardo Pina Pina Priscillia, Viviona Putri, Deandra Emilya Putri, Dhamma Vicaya Putri, Fathir Suria Marika Rahmadani, Herisna Rahmadhanti Rahmadhanti Rahmatika, Tasha Ria Bintan Ria Hartoko Riansan Riansan Richie Marlon Rido Renando Riskiyanto Riskiyanto Rudianto, Vinna rudiyanto Rudiyanto Rudiyanto Rudiyanto Rudiyanto, Rudiyanto Salim, Silvia Salsabilla Febriatul husna Santo Santo Septiana, Gracia Tiffany Serina, Serina Shelvi Shelvi Shelvi, Shelvi Sherlin Sherlin Sherry Sherry Silvia Hainia Sindy Sindy Sitorus, Winda Fionita Sofia Sofia, Sofia Stefani, Christine Stephanie Stephanie Stewendy, Stewendy Sugandi, Dwinta supriyadi arifin Suyono Saputro Syahputri, Dinda Rafika Sylvia Putri Tan Le Xuan Tan Wan I Theresia Desilva Tiara Shinta Tiara. C, Indah Tina Tina Trio Trio Tu, Michelle Nataline Veni Sisca Verni Verni Verren Calystania Vinna Ruddianto Vira Vira Virny Natasya Viviani Viviani Vivien Welliam Ali Widia Agustiwi Wijaya, Frendy Wilfi Caroline Wilhelmina Patty William William Angelo Tio William William Windy Ratnasari Wisnu Yuwono Yanty Yanty Yenny Fyfy Susanty Yessica Stephanie Lim Yodiputra, Jason Yubelina Hibata Yulfiswandi, Yulfiswandi