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PENGARUH FINANCIAL LITERACY, FINANCIAL WELL-BEING, FINANCIAL ATTITUDE, TERHADAP RETIREMENT PLANNING DIMODERASI OLEH HERDING BEHAVIOUR PADA PEKERJA KONSTRUKSI Erni Erni; Abdurrahman Abdurrahman
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 4 (2026): 2026 April
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56015/gjikplp.v13i4.833

Abstract

This study examines the influence of Financial Literacy, Financial Well-Being, and Financial Attitude on Retirement Planning, with Herding Behavior as a moderating variable. This study aims to explore how personal financial factors influence the readiness of construction workers in planning for retirement in Pekanbaru City, Indonesia. Using a quantitative approach, data was collected through an online survey from 200 respondents who were employees of four construction service companies, namely PT Buana Global Mandiri, PT Hutama Karya Infrastruktur, PT Wira Agung, and PT Andalan Tunas Mandiri. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that Financial Literacy, Financial Well-Being, and Financial Attitude have a positive and significant influence on Retirement Planning. In addition, Herding Behavior is proven to moderate the relationship between Financial Literacy and Retirement Planning. This study highlights the importance of improving financial knowledge and managing financial attitudes for construction workers to be better prepared for retirement. These results also provide insights for construction companies, financial planners, and policymakers to design strategies that encourage better retirement planning in the construction sector.
PENGARUH GOOD CORPORATE GOVERNANCE TERHADAP DIVIDEND POLICY DENGAN FREE CASH FLOW DAN INVESTMENT EFFICIENCY SEBAGAI VARIABEL MODERASI Nindya Pangestika Pratiwi; Abdurrahman Abdurrahman
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 4 (2026): 2026 April
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56015/gjikplp.v13i4.834

Abstract

This study aims to analyze the influence of ownership structure and board characteristics on dividend policy in companies listed in the Kompas 100 index during the 2018–2024 period with free cash flow and investment efficiency as moderation variable. The findings reveal that family ownership, institutional domestic ownership, ownership concentration, foreign ownership, managerial ownership, and the presence of independent commissioners have no significant impact on dividend policy. Conversely, board size and CEO duality show a positive and significant influence, while the presence of female directors has a negative and significant impact on dividend policy. Furthermore, the three tested moderating variables free cash flow and investment efficiency did not show significant effects in moderating the relationships between ownership structure or board characteristics and dividend policy.This study is limited by its long observation period, which spans pre-COVID, during the pandemic, and post-COVID recovery phases, leading to diverse dividend distribution patterns. Additionally, the use of moderating variables is still limited. Future researchers are encouraged to examine a more diverse set of companies and explore additional moderating variables to provide deeper insights. The managerial implications highlight the importance of board characteristics in maintaining long-term strategic stability while emphasizing the need for transparent and accountable reporting. For investors, the result can be used as a consideration in evaluating the company’s performance by paying attention to its development so that it grows into an increasingly larger company
Peran Customer Mindfulness dan Perceived Service Quality Terhadap Customer Purchase Intention Steffy Laurencia; Abdurrahman Abdurrahman
As-Syirkah: Islamic Economic & Financial Journal Vol. 4 No. 2 (2025): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/49ke2s03

Abstract

In the current digital era, the younger generation increasingly relies on digital services in meeting their daily transporation needs, one of which through online vechicle booking applications such as Grab. This study aims to analyze the effect of mindfulness and perceived service quality on customer’s purchase intention, by considering the mediating role of perceived usefulness and perceived ease of use. This study used purposive sampling method by involving 150 respondents who live in Jakarta and are active users of Grab application Data was collected through an online survey and analyzed using PLS-SEM software assistance. The results showed that mindfulness has a positive effect on perceived usefulness and perceived ease of use. Furthermore, perceived usefulness and perceived ease of use are also proven to have a possitive effect on customer’s purchase intention. Meanwhile, perceived service quality does not have a significant effect on perceived usefulness and customer’s purchase intention. In addition, mindfulness also indirectly affects customer’s purchase intention through perceived usefulness and perceived ease of use as a mediating variables. These findings emphasize that customer mindfulness of a digital service features and benefits plays a key role in improving customer’s purchase intention. Practically, ride-hailing companies are advised to simplify application features and educate users to be more aware of service benefits, in order to strengthen consumer engagement and loyalty.