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All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Jurnal Manajemen Terapan dan Keuangan Kinerja Kompak : Jurnal Ilmiah Komputerisasi Akuntansi JDM (Jurnal Dinamika Manajemen) Proceeding Seminar LPPM UMP Tahun 2014 JURNAL EKONOMI DAN BISNIS AIRLANGGA EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Benefit: Jurnal Manajemen dan Bisnis DERIVATIF Akuisisi : Jurnal Akuntansi Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Pengabdian UntukMu NegeRI Jurnal Akuntansi dan Pajak Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi JBMP (Jurnal Bisnis, Manajemen dan Perbankan) JURNAL MANAJEMEN MOTIVASI Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Muhammadiyah International Journal of Economics and Business SENTRALISASI Distribusi Owner : Riset dan Jurnal Akuntansi Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ EQIEN - JURNAL EKONOMI DAN BISNIS Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Competitive Jurnal Akuntansi dan Keuangan Jurnal Administrasi dan Manajemen Jurnal Mantik MANAJEMEN DEWANTARA Jurnal Proaksi Value: Jurnal Manajemen dan Akuntansi Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) International Journal of Economics, Business and Accounting Research (IJEBAR) Dinamika Journal : Pengabdian Masyarakat Jurnal Ilmiah Edunomika (JIE) Jurnal ABDINUS : Jurnal Pengabdian Nusantara BASKARA: Journal of Business and Entrepreneurship Airlangga Journal of Innovation Management Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Pengabdian Masyarakat Indonesia JURNAL ILMIAH GLOBAL EDUCATION Proceedings Series on Physical & Formal Sciences Jurnal Iqtisaduna International Journal of Management Science and Information Technology (IJMSIT) Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Indonesian Journal of Business Analytics (IJBA) Jurnal Ekonomi, Bisnis dan Manajemen Media Ekonomi Master: Jurnal Manajemen dan Bisnis Terapan Asian Journal of Management Analytics Prosiding University Research Colloquium Jurnal Akuntansi Trisakti Prosiding Seminar Nasional Hasil-hasil Penelitian dan Pengabdian Pada Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Paradoks : Jurnal Ilmu Ekonomi IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Pengabdian Kepada Masyarakat Kalam JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Analisis Bisnis Ekonomi Innovation Business Management and Accounting Journal
Wida Purwidianti
Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Medicine & Pharmacology Public Health Social Sciences Other

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PERAN LITERASI KEUANGAN DALAM MEMEDIASI PENGARUH BIAS PERILAKU TERHADAP KEPUTUSAN INVESTASI UMKM DI BANYUMAS Cahyani, Ica Dwi; Purwidianti, Wida; Astuti, Herni Justiana; Innayah, Maulida Nurul
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 03 (2026): Jurnal Manajemen Terapan dan Keuangan (On Proses)
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i03.59304

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis peran literasi keuangan dalam memediasi pengaruh bias perilaku Overconfidence, Representativeness, Anchoring, dan Availability terhadap keputusan investasi pelaku UMKM di Kabupaten Banyumas. Penelitian menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui kuesioner kepada 136 responden yang dipilih menggunakan teknik convenience sampling. Analisis data menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan SmartPLS 3.0. Hasil penelitian menunjukkan bahwa Overconfidence, Representativeness, Anchoring, dan Availability berpengaruh positif terhadap literasi keuangan, serta Overconfidence, Representativeness, dan Anchoring juga berpengaruh positif terhadap keputusan investasi. Sebaliknya, variabel Availability tidak berpengaruh signifikan terhadap keputusan investasi. Selanjutnya, literasi keuangan berpengaruh positif terhadap keputusan investasi. Hasil pengujian mediasi menunjukkan bahwa literasi keuangan mampu memediasi pengaruh Overconfidence, Anchoring, dan Availability terhadap keputusan investasi, namun tidak memediasi pengaruh Representativeness. Temuan ini menunjukkan bahwa keputusan investasi pelaku UMKM tidak hanya dipengaruhi oleh bias perilaku, melainkan juga ditentukan oleh tingkat literasi keuangan yang dimiliki. Kata kunci: Bias Perilaku, Literasi Keuangan, UMKM, Keputusan Investasi.  
Enhancing MSME: Exploring the Relationship between Financial Literacy, Financial Inclusion, and Capital Access to Improve Performance Naelati Tubastuvi; Rania Nur Ainun; Wida Purwidianti; Luthfi Zamakhsyari
Airlangga Journal of Innovation Management Vol. 5 No. 1 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i1.53990

Abstract

The growth of micro, small, and medium-sized enterprises (MSMEs) is critical to Indonesia's present economic development. This study has the purpose of examining how financial literacy, financial inclusion, and access to capital affect the performance of MSMEs in the Banyumas area. The performance of MSMEs is the dependent variable in this study, and the independent factors are financial literacy, financial inclusion, and access to finance. This study used partial Least Squares (PLS) to handle data in this work. Purposive sampling procedures were employed to select 127 MSMEs from a total of 8,559 MSMEs in the Banyumas Regency as research participants. The study's main findings of the relationship between the three variables of financial literacy, financial inclusion, and access to capital on MSME performance show that these three variables significantly influence MSME performance, both partially and simultaneously. As a result, MSMEs with a high degree of financial competence, simple access to finance, and suitable access to capital would improve MSMEs' performance in an area, resulting in the growth of the enterprises they manage. This research found that the financial literacy level of Banyumas MSMEs is quite high, available financial inclusion is easily accessible and sufficient access to capital can help MSMEs to improve their performance so that they can increase the development of the businesses they run.
Gen Z Investment Decision: Role of Financial Literacy, Financial Behaviour, Financial Experience and Risk Tolerance Naelati Tubastuvi; Muhammad Javier Fausta Azaria; Wida Purwidianti; Yudhistira Pradhipta Aryoko
Airlangga Journal of Innovation Management Vol. 5 No. 4 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i4.61315

Abstract

This research aims to investigate the determinants influencing investment decisions among Generation Z in Banyumas Regency, Indonesia. This research focuses on the population of Generation Z individuals aged 18-27 years, with a sample size of 120 respondents selected through purposive sampling using the 10-times rule method. Data collection was conducted using a structured questionnaire based on a Likert scale to assess various factors, including financial literacy, financial behaviour, financial experience, and risk tolerance. The analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM) using Smart PLS software, which facilitated the evaluation of both the outer and inner models to test validity, reliability, and hypothesis testing. The results show that financial literacy, financial behaviour and risk tolerance positively and significantly influence investment decisions among Generation Z respondents. These findings suggest that increasing financial literacy, improving financial behaviour and having good risk tolerance can lead to more informed investment decisions among this demographic. Meanwhile, financial experience does not affect investment decisions, indicating that Generation Z investors do not consider their financial experience in their investment decisions. The implications of this research highlight the importance of targeted financial education programs aimed at Generation Z to improve their investment decision-making capabilities. By fostering a better understanding of financial concepts and encouraging responsible financial behaviours, stakeholders can contribute to the development of a more financially literate and proactive generation of investors
Digital Financial Literacy and Financial Technology on Financial Performance through Financial Behavior as a Mediating Variable Nur Apni Wulandari; Wida Purwidianti; Maulida Nurul Innayah; Restu Frida Utami
Airlangga Journal of Innovation Management Vol. 6 No. 3 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i3.75572

Abstract

This research analyzes the effect of digital financial literacy and financial technology on financial performance, with financial behavior as a mediator. The population used is the MSE actors in the South Brebes Regency area, consisting of 6 sub-districts. Sampling using the convenience sampling technique calculated by the Slovin formula, resulting in 110 participants. The data were collected through the distribution of questionnaires using a Likert scale, and then examined with SmartPLS 3.0 software. According to the results, adopting fintech is not the only way for MSEs to achieve excellent financial performance; responsible financial behavior and a firm understanding of digital financial literacy are also essential. Theoretically, this study highlights that enhancing MSE financial performance requires a combination of financial expertise and efficient technology use, since technology is insufficient on its own without the capacity to understand and utilize financial data strategically. From a managerial standpoint, the findings suggest that improving MSE actors’ financial capabilities, especially their comprehension, interpretation, and application of digital financial tools and concepts, is essential to guaranteeing that fintech solutions can be utilized efficiently. In an increasingly digital economic world, this capacity helps business owners make strategic, sustainable, and well-informed decisions that support the long-term resilience and success of their companies.
Pengaruh Literasi Keuangan, Parental Income, Locus of Control dan Social Influence terhadap Perilaku Keuangan pada Generasi Z di Kabupaten Cilacap Akmal Elmas Alrofi; Erna Handayani; Wida Purwidianti; Restu Frida Utami
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 5 No. 3 (2026): Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v5i3.4625

Abstract

This study aims to analyze the influence of financial literacy, parental income, locus of control, and social influence on the financial behavior of Generation Z in Cilacap Regency. A quantitative approach was employed using a survey method involving 180 Generation Z respondents selected through purposive sampling. The research instrument was developed using a Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess validity, reliability, and relationships among variables. The results indicate that financial literacy, parental income, locus of control, and social influence have positive and significant effects on financial behavior. Social influence emerged as the most dominant factor, followed by locus of control, financial literacy, and parental income. These findings confirm that Generation Z’s financial behavior is shaped not only by financial knowledge but also by family economic conditions, individual self-control, and social environmental influences. This study highlights the importance of integrating financial education, character development, and positive social environments to promote more rational and sustainable financial behavior among Generation Z.
The Effect of Financial Literacy, Financial Technology, Lifestyle and Religiosity on Consumptive Behavior Among University Students Giyarda Maulana; Nawalin Nazah; Wida Purwidianti; Purnadi Purnadi
Ekonomis: Journal of Economics and Business Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i2.2937

Abstract

This study aims to analyze the effect of financial literacy, financial technology, lifestyle, and religiosity on the consumptive behavior of students at Universitas Muhammadiyah Purwokerto. A quantitative approach with a survey method was employed. Data were collected from 434 respondents selected through proportional sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that financial literacy, financial technology, and lifestyle have a positive and significant effect on consumptive behavior, while religiosity has no significant effect. Lifestyle is the most dominant variable influencing consumptive behavior, and the research model explains 55.3% of the variance in consumptive behavior. These findings indicate that students’ consumptive behavior in the digital era is more strongly influenced by technological and lifestyle factors than by religiosity. The study provides practical implications for higher education institutions in strengthening behavior-oriented financial education and for financial technology providers in enhancing spending control features.
Peran Kepuasan Kerja sebagai Variabel Mediasi Pengaruh Kecerdasan Emosional dan Kepemimpinan Inklusif terhadap Kinerja Karyawan Rumah Sakit Salsabila Tama Rosita; Alfato Yusnar Kharismasyah; Wida Purwidianti; Hermin Endratno
Ekonomis: Journal of Economics and Business Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i2.2910

Abstract

This study aims to analyze the influence of emotional intelligence and inclusive leadership on employee performance, with job satisfaction serving as a mediating variable, at Ananda General Hospital (RSU) Purwokerto. A quantitative research approach was employed, utilizing purposive sampling to select 155 non-managerial employee respondents. Data were analyzed using Structural Equation Modeling (SEM-PLS). The results indicate that emotional intelligence has a positive and significant effect on both employee performance and job satisfaction. Inclusive leadership has a positive and significant effect on job satisfaction but does not directly and significantly affect employee performance. Furthermore, job satisfaction does not significantly influence employee performance and fails to mediate the effects of the two independent variables. This implies that employee performance at RSU Ananda Purwokerto is driven more by individual emotional intelligence and professional standards than by personal satisfaction or inclusive leadership styles.
Analysis of Financial Performance on Stock Prices with Dividend Policy as a Moderation Factor Gladisya Zafira Azzahra; Naelati Tubastuvi; Wida Purwidianti; Alfato Yusnar Kharismasyah
Agregat: Jurnal Ekonomi dan Bisnis Vol. 10 No. 2 (2026)
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/agregat_vol10.i2/21791

Abstract

This study aimed to analyze the effects of ROE, CR, DER, and TATO on stock prices, with dividend policy as a moderating variable, in consumer non-cyclical companies listed on the Indonesia Stock Exchange during 2021–2024. The sample was determined using a purposive sampling approach. Out of 131 listed firms, 33 companies met the criteria, yielding 132 firm-year observations.  A quantitative approach was applied through panel data regression using STATA 17. The results show that ROE, CR, and TATO have no effect, while DER has a positive effect on stock prices. DPR does not moderate the effects of ROE, CR, and TATO, but weakens the effect of DER. These findings indicate that investors pay more attention to capital structure than to other financial ratios and dividend policy in making investment decisions. Future research is recommended to include additional variables and expand the research period and sectors to obtain more comprehensive results
Co-Authors Aditya, Yogga Aeni, Nurul Nur Afnan Hanif Nafaro Ainun Nizmah, Kemala Akbar, Mochammad Akhmad Darmawan Akhmad Darmawan Akmal Elmas Alrofi Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado, Alfalisyado Alfato Yusnar Kharismasyah Alfato Yusnar Kharismasyah Ana Tasya Fitriani Anindita, Kurniasih Setya Annisa Ilma Hartikasari Aqila Jihan Putri Rahardin Ardya Rimellaika Arini Hidayah, Arini Aryoko, Yudhistira Pradhipta Asy-Syifa, Muhammad Rasyid Azzahara, Cantik Tiara Maharani Bagis, Fatmah Bima Cinintya Pratama Budi Santoso, Suryo Cahyani, Ica Dwi Cahyaningsih, Irshania Ayu Cindy Salawatan Trisyanti Damayanti, Dika Dania Febriana Dian Papulasih Dian Widyaningtyas Difandika Yudi Firmansyah Dita Ardianti Dwi Kartika wahyuningsih Dwi Vina Rahmawati Eka Yuli Purwita Eko Hariyanto Elora Fitri Solihfahmi, Tsabitah Erna Handayani Ernawati, Yuniar Erny Rachmawati Fahitaratih, Syafira Maistin Farid Muhammad Rofifudin Fatmah Bagis Febriana Hidayanti Febriansyah, Wivan Febrianti, Fika Fendy Ninggar Haryanto Firlian Fikri Egyansyah Fitir Riasi, Fatikhah Fitriati, Azmi Florida Mandiriani Suwaji Giyarda Maulana Gladisya Zafira Azzahra Handayani, Erna Haq, Irdhiana Ilma Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Hermin Endratno Herni Justiana Astuti Herni Justiana Astuti Ifatunisa, Mutia Ika Yustina Rahmawati Ika Yustina Rahmawati Ines Putri Adna Zein Iwan Fakhruddin Iwan Fakhruddin Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Lahan Adi Purwanto Lestiana, Eli Luthfi Zamakhsyari Maharani, Annisa Dwi Maulida Nurul Innayah Maulidina, Azizah Ma’ruf, Anwar Ma’ruf, Nasir Melliana, Sinta Bella Meydy Fauziridwan Miftahuddin, Muchammad Agung Mody Nurhidayati Mudjiyanti, Rina Muhammad Faqih Rachman, Faqih Muhammad Ghiffary Ar Ridho Firdauz Muhammad Javier Fausta Azaria Muhammad Rasyid Asy-Syifa Mujirahayu, Tri Septin Mukromiin, Ramadhan Khoerul Naelati Tubastuvi Naelati Tubastuvi Naelati Tubastuvi Nawalin Nazah Nawalin Nazah Nazah, Nawalin Nugroho, Bambang Haryo Nur Apni Wulandari Nur Hamam, Zaki Nurjannah, Afifah Zahroh Pamungkas, Ibnu Pandabandjal, Asmarani Petra, Dany Nofrizal Pramesti, Shasa Pratamasari, Mega Aprillia Priandhita Wibawanti Pujiati Utami Puput Purwanti Purnadi Purnadi Purnadi Purnadi, Purnadi Putri Nur Amira Rahma Winda, Silvi Rahmawati, Ika Yustina Randikaparsa, Irawan Rania Nur Ainun Razita Izza Istiqomah Refaldy Barry Saputra Resti Meilani Restu Frida Utami Retno Dwiyanti Riri Ariyanti Roslan, Nur Hafiza Salsabila Tama Rosita Santhy Hawanti Sekar Laras Ati Selamat Eko Budi Santoso Setiyaningrum, Anggun Shelia Anjarani Sinta Bella Melliana Sinta Dwi Febriyanti Slamet Budi Santoso Sofwatunnisa, Novi Sri Wahyuni Sri Wahyuni Sri Wahyuni Sungkar, Hani Lutpiah Suryo Budi Santoso Susi Wardhani Suwartono Suwartono Suyoto Suyoto Syahreiza, Muhammad Syarila Asri Febiani Syifaramadan, Choiruddin Totok Haryanto Tri Na'imah Tri Septin Muji Rahayu Tri Septin Muji Rahayu, Tri Septin Tri Septin Mujirahayu Tubagus Zuhdan Azis Tuti Juniarsih Wahid, Dimas Lanang Rizky Watemin, Watemin Wiasih, Dina Retno Widhidanono, Hengky Widyaningtyas, Dian Winda Rizky Anggraeni Wulan Ndatika, Utyea Yudhistira Pradhipta Aryoko Yusnar Kharismasyah, Alfato Yusnar, Alfato Yustina Rahmawati, Ika Zaen, Mudrikah Zakaria, Yoga Zain Zein, Ines Putri Adna