Articles
<![CDATA[Determining factor of continuous intention mobile payment: Using extending the unified theory of acceptance and use of technology (UTAUT2) model ]]>
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Bryan Trianda Ginting]]>
<![CDATA[ Jurnal Kajian Manajemen Bisnis Vol 11, No 2 (2022): Jurnal Kajian Manajemen Bisnis ]]>
Publisher : <![CDATA[Jurusan Manajemen Fakultas Ekonomi Universitas Negeri Padang ]]>
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DOI: 10.24036/jkmb.12062600
<![CDATA[This study aims to determine the Effect of Literacy Sharia, and Religiosity on the Intention to Use Islamic Mobile Payment with the Theory Of Planned Behavior approach. The object of the research study is the working-age community in the city of Padang and in the city of Bandar Lampung. The research method uses Multiple Linear Regression Analysis. The sampling technique used was the purposive sampling method with 150 respondents in each city. The main purpose of this study was to determine the comparison between the working-age community in the city of Padang and in the city of Bandar Lampung related to the intention to use Islamic mobile payment. Research data management was carried out using IBM SPSS 25. Data collection was carried out using online and/or offline questionnaires. The results of the study for the City of Padang showed that the variables of Sharia Literacy, Subjective Norms, and Control Perceptions had a significant effect on usage intention. Meanwhile, religiosity and attitude variables have no significant effect on the intention to use. Then, the results of the study for Bandar Lampung City showed that the variables of Subjective Norm and Perception of Control had a significant effect on intention in use, Meanwhile, the variables of Literacy Sharia, Religiosity, and Attitude had no significant effect on usage. Comparison of the level of intention in using Islamic m-payment for Padang City is 80.57% and Bandar Lampung City is 76.13% which is in the fairly high category. Therefore, the comparison between intention in using Islamic m-payment in Padang City is greater than in Bandar Lampung City. The results of this research can later be useful for m-payment service providers, knowledge for readers, and a source of information and reference for further research.]]>
<![CDATA[Sentiment Analysis Against Digital Payment “GoPay”, “OVO”, “DANA”, and “ShopeePay” Using Naïve Bayes Classifier Algorithm ]]>
<![CDATA[Lorenza Julia Ningri]]>;
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Indonesian Journal of Economics and Management Vol 3 No 2 (2023): Indonesian Journal of Economics and Management (March 2023) ]]>
Publisher : <![CDATA[Jurusan Akuntansi Politeknik Negeri Bandung ]]>
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DOI: 10.35313/ijem.v3i2.4765
<![CDATA[Financial technology is a term used by companies that offer technological innovations in the financial sector. One of the products from Fintech is digital payments. The purpose of this study is to analyze the sentiment of digital wallet services using the Twitter social media. The digital wallets taken in this study are Gopay, Ovo, Dana, and ShopeePay. This research uses the Naïve Bayes Algorithm classification method. Comment data was taken from Twitter social media which were divided into two sentiment classes, namely positive sentiment and negative sentiment. The results of this study are the most widely accepted positive sentiment among the four digital wallets is ShopeePay, the most widely received negative sentiment among the four digital wallets is Dana. Customers who have skills in using digital payments can be grouped as Well Literate in financial literacy.]]>
<![CDATA[Strategi Aliansi Bank Nagari dalam Menghadapi Disrupsi Teknologi Fintech ]]>
<![CDATA[Anggi Puspita Mayasari]]>;
<![CDATA[Vera Pujani]]>;
<![CDATA[Masyhuri Hamidi]]>
<![CDATA[ Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (June 2023) ]]>
Publisher : <![CDATA[SAFE-Network ]]>
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DOI: 10.37034/infeb.v5i2.279
<![CDATA[The purpose of this study was to determine Bank Nagari's leading business segment, the type of Fintech and the collaboration model most suitable for Bank Nagari. This type of research is a case study with a descriptive qualitative approach. Research respondents are strategists or decision makers at Bank Nagari. This study uses primary data obtained from respondents' answers in the form of filling out questionnaires and interviews, namely data obtained directly from the object of research. The data analysis technique uses the Quantitative Strategic Planning Matrix (QSPM) to select alternative strategies which include Internal Factor Evaluation (IFE) matrix analysis, External Factor Evaluation (EFE) matrix analysis, weighting, rating determination and multiplication of weights with ratings. The results showed that the value of selecting the bank's business segments, namely MSME and Commercial, was the most attractive alternative strategy or had the highest average TAS score of the other alternative strategies (5.784), the value of choosing the type of Fintech P2P Lending was the most attractive alternative strategy or had a total score The highest average TAS of the other strategic alternatives (5.310), the value of selecting the Channeling as collaboration model is the most attractive strategic alternative or has the highest average Total TAS score of the other strategic alternatives (5.199).]]>
<![CDATA[Literature Review: Mediation Effects of Debt Maturity on Good Corporate Governance in Enhancing Financial Performance ]]>
<![CDATA[M. Hasmil Adiya]]>;
<![CDATA[Masyuri Hamidi]]>;
<![CDATA[Rida Rahim]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Journal of Applied Business and Technology Vol. 4 No. 2 (2023): Journal of Applied Business and Technology ]]>
Publisher : <![CDATA[Institut Bisnis dan Teknologi Pelita Indonesia ]]>
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DOI: 10.35145/jabt.v4i2.125
<![CDATA[This study proposes a research model to investigate the mediating effect of debt maturity on the relationship between good corporate governance (GCG) and financial performance. The qualitative approach employed is a systematic literature review (SLR) technique, analyzing 11 articles selected from 142 related ones found on the Google Scholar database within the 2010-2021 research range based on inclusion and exclusion criteria. Debt maturity was found to play a crucial role in shaping the effectiveness of GCG mechanisms in managing financial risks and improving financial performance. The proposed research model has implications for researchers and practitioners, providing a basis for future empirical studies exploring the interplay between GCG, debt maturity, and financial performance. For practitioners, it offers a theoretical framework for developing policies and practices promoting effective GCG and optimal debt maturity structures to enhance financial performance. The findings inform the development of policies and procedures that promote good corporate governance and optimal debt maturity structures, leading to improved financial performance. Additionally, the proposed research model may be applied to other contexts, contributing to a better understanding of the role of debt maturity in the relationship between GCG and financial performance.]]>
<![CDATA[ENDOGENEITY TESTING: HEURISTIC BEHAVIOR AS A REFERENCE FOR BEGINNING INVESTORS IN MAKING INVESTMENT DECISIONS ]]>
<![CDATA[Syailendra Eka Saputra]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Mohamad Fany Alfarisi]]>;
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Muharja]]>
<![CDATA[ Jurnal Apresiasi Ekonomi Vol 11, No 2 (2023) ]]>
Publisher : <![CDATA[Institut Teknologi dan Ilmu Sosial Khatulistiwa ]]>
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DOI: 10.31846/jae.v11i2.608
<![CDATA[This study aims to examine the tendency of endogeneity on heuristic behavior as a reference for novice investors in making investment decisions. Endogeneity is a deviation in OLS modeling which shows that there is still a correlation between the independent variables in the model and the error, causing biased results. The issue of endogeneity is an interesting aspect of current research, and still creates pros and cons for researchers in the fields of finance and econometrics. In this study, 158 respondents were used who were novice investors. The selection of respondents was done randomly. In this study, four categories of variables were used, namely the dependent variable, namely investment decisions, the independent variable, namely financial risk tolerance, endogenous heuristic behavior variables and financial literacy instrument variables. The analysis method is carried out using ivregress 2sls which is processed with Stata. The test results found that endogeneity symptoms were detected in heuristic behavior of novice investors. This behavior appears and influences investment decisions because it is preceded by financial literacy, which rejects the insights that investors have about financial science or investment.]]>
<![CDATA[MILLENNIAL INVESTOR DECISION ANALYSIS AND ITS DETERMINANTS (AN ENDOGENEITY PERSPECTIVE) ]]>
<![CDATA[Abel Tasman]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Mohamad Fany Alfarisi]]>;
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Muharja]]>
<![CDATA[ Jurnal Apresiasi Ekonomi Vol 11, No 2 (2023) ]]>
Publisher : <![CDATA[Institut Teknologi dan Ilmu Sosial Khatulistiwa ]]>
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DOI: 10.31846/jae.v11i2.612
<![CDATA[This study aims to see 1) The effect of Financial Literacy on the investment decisions of the millennial generation in Padang City 2) The effect of Risk Perception on the investment decisions of the millennial generation in Padang City 3) This type of research is a comparative causal research (Causative). The sample in this study was 96 respondents who are the Millennial generation of Padang City with a purposive sampling method. The types of data in this study are primary data and secondary data. This study uses panel data regression analysis. The data collection technique used is a questionnaire. Instrument trials use validity and reliability tests. Prerequisite analysis tests carried out included normality tests, heteroscedasticity tests, and multicollinearity tests. The collected data was analyzed using SPSS version 20.0. This study also examines endogeneity by using financial literacy as an endogenous variable and risk perception as an instrument variable. The results of this study indicate 1) Financial Literacy has a significant positive effect on the investment decisions of the millennial generation in Padang City 2) Risk Perception has a positive but not significant effect on the investment decisions of the millennial generation in Padang City due to endogeneity]]>
<![CDATA[Analisis Pengaruh Indikator Keuangan dan Makro Ekonomi terhadap Profitabilitas Bank Pembangunan Daerah di Masa Sebelum dan Selama Pandemi Covid-19 ]]>
<![CDATA[Eka Satria Praja]]>;
<![CDATA[Fajri Adrianto]]>;
<![CDATA[Masyuri Hamidi]]>
<![CDATA[ Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023) ]]>
Publisher : <![CDATA[SAFE-Network ]]>
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DOI: 10.37034/infeb.v5i3.680
<![CDATA[This study aims to see the effect of NPL, LDR, CASA, GRDP and inflation on the profitability of 26 (twenty six) Regional Development Banks (BPD) throughout Indonesia which were presented in the form of ROA ratios for the period before the Covid pandemic in 2016 to 2019 and during the Covid pandemic from 2020 to 2021. The descriptive research method uses a quantitative approach with the data analysis method used i is panel data regression analysis. The type of data used is secondary data sourced from published financial reports of BPDs throughout Indonesia on the websites of each BPD, the Central Bureau of Statistics and Bank Indonesia. This research got partial results before the Covid pandemic; NPL has a significant negative effect on ROA, LDR has no significant positive effect on. CASA has no significant positive effect on ROA. GRDP has no significant positive effect on ROA. Inflation has no significant negative effect on ROA. Simultaneously NPL, LDR, CASA, GRDP and inflation have a significant effect on ROA. Partial research results during the Covid pandemic; NPL has no significant negative effect on ROA. LDR has no significant positive effect on ROA. CASA has no significant positive effect on ROA. GRDP has no significant positive effect on ROA. Inflation has no significant negative effect on ROA. Simultaneously NPL, LDR, CASA, GRDP and inflation have no significant effect on ROA.]]>
<![CDATA[ANALISA DAMPAK RASIO KEUANGAN PERBANKAN TERHADAP PROFITABILITAS BANK BERDASARKAN MODAL INTI (KBMI) PADA KELOMPOK BANK DI INDONESIA ]]>
<![CDATA[Subrini]]>;
<![CDATA[Masyhuri Hamidi]]>;
<![CDATA[Fajri Adrianto]]>
<![CDATA[ Journal Publicuho Vol. 7 No. 1 (2024): February - April - Journal Publicuho ]]>
Publisher : <![CDATA[Halu Oleo University ]]>
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DOI: 10.35817/publicuho.v7i1.364
<![CDATA[This research aims to investigate the analysis of the relationship between banking financial ratios and profitability using the purposive sampling technique in the form of panel data. The research sample was derived from 47 banking sectors listed on the BEI stock exchange from 2013 to 2022, with a total of 470 firm-year observations. The regression method employed was the Ordinary Least Squares (OLS) data panel, and it underwent tests for regression model selection, classical assumptions, robustness, and the Generalized Least Squares (GLS) method. The research findings indicate that CASA is a determining factor for banks in general to enhance Return on Assets (ROA), especially in the small bank group (KBMI 1 and 2). BOPO has been a hindering factor for banks in general to achieve profitability (ROA and ROE) over the past 10 years. In the pre and POST economic crisis of Covid-19, the Loan to Deposit Ratio (LDR) is a hindering factor for banks in general to achieving profitability. Interestingly, as long as the economic crisis, the opposite is true, LDR became a determining factor in increasing profitability, especially in the large bank group (KBMI 3 and 4).]]>
<![CDATA[EXPLORING DIGITAL LITERACY, FINANCIAL LITERACY, AND SOCIAL MEDIA'S IMPACT ON CRYPTOCURRENCY INVESTMENT DECISIONS ]]>
<![CDATA[Amran, Kevinia Mayumi]]>;
<![CDATA[Adrianto, Fajri]]>;
<![CDATA[Hamidi, Masyhuri]]>
<![CDATA[ Jurnal Riset Entrepreneurship Vol 8 No 1 (2025): (Edisi Pebruari) Volume 8, Nomor 1, Tahun 2025 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Gresik ]]>
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DOI: 10.30587/jre.v8i1.8266
<![CDATA[Social media and the digital era have had a big impact on investing decisions, particularly in the cryptocurrency space. This study investigates how social media, financial literacy, and digital literacy affect DKI Jakarta Millennials and Generation Z's decision-making when making investments. The study looks at the mental processes that underlie investing decisions and is based on theories of reasoned action and planned behavior. The study emphasizes how important financial literacy is for reducing risks and helping people make wise decisions. Digital literacy, on the other hand, improves one's capacity to navigate and evaluate large volumes of financial data. Social media is recognized as a key influencer that shapes public opinion and propels financial trends. The study's quantitative approach makes use of structural equation modelling (SEM) to examine data from an DKI Jakarta survey given to Millennials and Generation Z. The findings show that by improving access to and analysis of financial information, digital literacy has a positive impact on investment decisions. The study finds that making wise investment decisions in the cryptocurrency market requires a thorough understanding of social media, digital literacy, and financial literacy. Keywords: Digital Literacy, Financial Literacy, Social Media, Investment Decisions and Cryptocurrency.]]>
<![CDATA[Comparison of Predictive Accuracy of the Indonesia Composite Index (ICI) ]]>
<![CDATA[Dahlan, Yunita]]>;
<![CDATA[Hamidi, Masyhuri]]>
<![CDATA[ Business and Investment Review Vol. 1 No. 2 (2023) ]]>
Publisher : <![CDATA[CV. Lenggogeni Data Publishing ]]>
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DOI: 10.61292/birev.v1i2.7
<![CDATA[This study aims to examine the effect of exchange rate and interest rates on the movement of the Composite Stock Price Index using the causality method and pattern approach. The pattern approach method predicts the movement of the stock price index through the movement pattern itself like the ARIMA method while the causality method predicts the movement of the stock price index through the variables that influence it such as the ARCH and GARCH methods. This study was conducted using monthly IHSG data, exchange rates and interest rates as of January 2014 to November 2018. From the results of the study it can be concluded that the exchange rate does not significantly influence the IDX value while the interest rate has a significant effect on the IDX, but the exchange rates and interest rates together the same has a significant negative effect on the value of the IDX. And after the two methods were compared the results were obtained that the ARIMA method gave more accurate predictive results in predicting the IHSG movement. Abstrak Penelitian ini bertujuan untuk menguji pengaruh variabel kurs dan suku bunga terhadap pergerakan Indeks Harga Saham Gabungan dengan menggunakan metode kausalitas dan pendekatan pola. Metode pendekatan pola memprediksi pergerakan indeks harga saham melalui pola pergerakan itu sendiri seperti metode ARIMA sedangkan metode kausalitas memprediksipergerakan indeks harga saham melalui variabel-variabel yang mempengaruhinya seperti metode ARCH dan GARCH. Penelitian ini dilakukan menggunakan data bulanan IHSG, kurs dan suku bunga per januari 2014 hingga November 2018. Dari hasil penelitian dapat disimpulkan bahwa kurs tidak berpengaruh secara signifikan terhadap nilai IHSG sedangkan suku bunga berpengaruh signifikan terhadap nilai IHSG, tetapi kurs dan suku bunga secara bersama-sama berpengaruh negatif secara signifikan terhadap nilai IHSG. Dan setelah kedua metode dibandingkan diperoleh hasil bahwa metode ARIMA memberikan hasil prediksi yang lebih akurat dalam memprediksi pergerakan IHSG.]]>
