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All Journal Ilmu Administrasi Publik Journal of Economic, Bussines and Accounting (COSTING) YUME : Journal of Management Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Mantik Jurnal Ilmiah Manajemen Kesatuan Community Development Journal: Jurnal Pengabdian Masyarakat GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Tangible Journal International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Jurnal Kolaboratif Sains Jurnal Impresi Indonesia Jurnal WIDYA LAKSMI (Jurnal Pengabdian Kepada Masyarakat) Jurnal Peradaban Masyarakat (JPM) Nanggroe: Journal Of Scholarly Service Nanggroe: Journal of Scholarly Service Jurnal Pengabdian Masyarakat Mandira Cendikia (JPKM-MC) Journal of Business Integration Competitive Journal of Finance Integration and Business Independence
Deva Djohan
Institut Bisnis Informasi Teknologi Dan Bisnis
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 Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Other

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Empowering Generation Z: The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era Chaniago, Sabaruddin; Nurul Syafiqah Azman; Ahmad Fadli; Deva Djohan; Widy Hastuty
Journal of Finance Integration and Business Independence Vol. 1 No. 2 (2025): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v1i2.37

Abstract

Effective Financial Self-Efficacy (EFSE) and Digital Financial Inclusion (DFI) significantly impact financial behavior, particularly among younger generations like Generation Z, who are increasingly familiar with digital financial services. This research seeks to examine the impact of EFSE on financial behavior (FB) using DFI within Generation Z in Medan City. A quantitative methodology was employed to gather data via an online survey of 147 Generation Z respondents who regularly utilize digital financial platforms, including digital wallets, mobile banking, and fintech loans. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) method was used to examine the relationship between the proposed variables and analyze the data. The findings indicate that EFSE exerts a positive and significant impact on FB, with DFI serving as a mediator that enhances the influence of EFSE on financial behavior. These results indicate that Generation Z individuals with elevated financial self-efficacy are more judicious in their financial decision-making, particularly when facilitated by access to digital financial services. This study enhances the behavioral finance literature by emphasizing the essential roles of EFSE and DFI in cultivating sound financial practices among youth in the digital era. The findings indicate the necessity to create extensive digital and financial literacy initiatives to enhance self-efficacy and the use of digital financial services within Generation Z
The Influence of Revenue Growth and Operating Expenses on Company Value Amin Hou; Deva Djohan; Duffin; Septa Diana Nabella; Adi Harianto
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 3 (2025): JIMKES Edisi Mei 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i3.3312

Abstract

This study aims to build a model of insurance company value based on revenue growth and operating expenses with Return on Equity (ROE) as a mediating variable. The study was conducted on six insurance companies listed on the IDX during the period 2020–2024 with a quantitative approach using SEM-PLS. The background of the study is the fluctuation of financial performance, especially the mismatch between revenue growth and equity efficiency and firm value. The results of the analysis show that revenue growth has a significant positive effect on firm value, both directly and through ROE. Conversely, operating expenses have a significant negative effect on firm value and are also mediated by ROE. ROE is proven to be a significant mediating variable in this relationship. The coefficient of determination (R²) value of 0.982 for firm value indicates that the model has a very strong ability to explain the variance of firm value. Meanwhile, R² for ROE of 0.566 indicates a moderate influence of the two independent variables. This study emphasizes the importance of increasing revenue and operational efficiency as a strategy to strengthen firm value and investor confidence.
Mengelola Tekanan Keuangan: Pengaruh Financial Stress terhadap Financial Behavior melalui Financial Well-Being pada Generasi Z Roseline, Roseline; Kuandi Chandra, Deva Djohan, Loly Loly,
YUME : Journal of Management Vol 9, No 1
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yume.v9i1.11212

Abstract

Tekanan keuangan dan tingkat kesejahteraan finansial merupakan faktor penting yang memengaruhi perilaku keuangan individu, khususnya pada Generasi Z yang dihadapkan pada ketidakpastian ekonomi, tuntutan kemandirian finansial, serta dinamika gaya hidup modern. Kondisi tekanan keuangan yang dialami kelompok ini berpotensi memengaruhi kemampuan individu dalam merencanakan, mengelola, dan mengambil keputusan keuangan secara rasional. Penelitian ini bertujuan untuk menganalisis pengaruh financial stress terhadap financial behavior dengan financial well-being sebagai variabel mediasi pada Generasi Z di Kota Binjai. Populasi penelitian mencakup seluruh Generasi Z yang berdomisili di Kota Binjai, dengan sampel sebanyak 78 responden yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria usia, domisili, dan pengalaman pengelolaan keuangan pribadi. Penelitian ini menggunakan pendekatan kuantitatif melalui metode survei dengan pengumpulan data primer menggunakan kuesioner terstruktur. Data dianalisis menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) untuk menguji hubungan antarvariabel dalam model penelitian. Hasil penelitian menunjukkan bahwa financial stress berpengaruh signifikan terhadap financial behavior, sementara financial well-being berperan sebagai variabel mediasi yang menjelaskan hubungan tersebut. Temuan ini mengindikasikan bahwa tingkat kesejahteraan finansial yang lebih baik memungkinkan individu mengelola tekanan keuangan secara lebih adaptif, sehingga mendorong terbentuknya perilaku keuangan yang lebih rasional. Penelitian ini berkontribusi dalam memperkaya kajian keuangan perilaku dengan menegaskan peran strategis kesejahteraan finansial dalam menjembatani pengaruh tekanan keuangan terhadap perilaku keuangan Generasi Z, serta memberikan implikasi praktis bagi perumusan program edukasi dan kebijakan keuangan yang berorientasi pada penguatan kesejahteraan finansial generasi muda.Kata Kunci: Financial Stress, Financial Well-Being, Financial Behavior, Generasi Z
Fintech, Digital Branding, and Customer Engagement to Enhance Gayo Arabica Coffee SMEs' Performance Djohan, Deva; Budiman, Indra; Nasib; Razaq, Mhd Restu; Fathoni, Mahammad
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3540

Abstract

This study aims to analyze the influence of financial technology (fintech) and digital branding on the financial performance of Gayo Arabica coffee MSMEs in Central Aceh Regency, with customer engagement as a mediating variable. A quantitative approach was employed, with data collected through questionnaires distributed to 78 MSME actors actively utilizing digital technology in their business operations. Purposive sampling was applied, and data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. The findings indicate that both fintech and digital branding have a significant effect on customer engagement and financial performance. Furthermore, customer engagement is proven to be a significant mediating variable in the relationship between fintech and financial performance, as well as between digital branding and financial performance. These results highlight the importance of integrating financial technology and digital branding strategies with customer engagement to optimize business outcomes. This study contributes theoretically to digital entrepreneurship literature and offers practical insights for MSMEs, platform developers, and policymakers particularly regarding financial literacy improvement and brand strengthening. The study is geographically limited, and future research is recommended to conduct comparative studies across sectors and regions.
Co-Authors Adi Harianto Agus Susanto Ahmad Fadli Albert Albert Albert Albert Albert Amin Hou Andi Andi Andi Hidayatul Fadlilah Ayu Julsari Cakranegara, Pandu Adi Chaniago, Sabaruddin Daniel Nemba Dambe Darwan Tanady Devia Febrina Duffin Endang Sulistya Rini Ester Fathoni, Mahammad Ginting, Yogi Rahman Feriza Harianto, Yogi Rahman Feriza Ginting Homan, Felicia HS, Widy Hastuty IKA PUSPA SATRIANNY Indra Budiman Irwan Moridu Kosasih, Hengky Kuandi Chandra Lidia Berliana Siboro Manda Dwipayani Bhastary Mhd Restu Razaq Razaq Nasib Nazah, Khairatun Novirsari, Emma Nurul Syafiqah Azman Ratih Amelia Robin Robin Robin, Robin Roseline Roseline Satriany, Ika Puspa Septa Diana Nabella Stefvy Stefvy Stefvy Tamba, Iventura Thamrin Thamrin Thamrin Thamrin Thamrin Tyus Windi Ayuni Widy Hastuty Wijaya, Elyzabeth