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PENGARUH KUALITAS PELAYANAN, PENDAPATAN, MEDIA PROMOSI, DAN LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI PADA PRODUK TABUNGAN EMAS PT PEGADAIAN UNIT CABANG WATES Dhistya Indraswari; Faisol; Mar’atus Solikah
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.58757

Abstract

Investment decisions are one of the important factors in achieving future financial goals. The Gold Savings product offered by PT Pegadaian has become an attractive investment alternative due to its easy accessibility and relatively low level of risk. However, public interest in the Gold Savings product remains lower than in pawn services, which are Pegadaian’s primary business product. Therefore, it is necessary to understand the factors influencing investment decisions. Investment decisions are affected by various factors, including service quality, income, promotional media, and financial literacy. This study aims to analyze the effects of service quality, income, promotional media, and financial literacy on investment decisions regarding the Gold Savings product at PT Pegadaian Wates Branch Unit. This research employed a quantitative approach using a survey method through the distribution of questionnaires to 101 customers selected using a simple random sampling technique. Data were analyzed using Partial Least Squares (PLS) with the assistance of SmartPLS 3 software. The results indicate that service quality, income, and financial literacy have a positive and significant effect on investment decisions. These findings suggest that customers’ investment decisions are more strongly influenced by the quality of services received, their financial capability, and their level of financial understanding than by exposure to promotional media. This study implies that PT Pegadaian should improve service quality and strengthen financial education programs to encourage greater investment decisions in Gold Savings products.
Pengaruh Asset Growth, Leverage, dan Efisiensi Operasional Terhadap Nilai Perusahaan pada Perusahaan Sektor Transportasi Dan Logistik di Bursa Efek Indonesia (BEI) Periode 2022-2025 Noverdiana, Rorelysia Putri; Widiawati, Hestin Sri; Faisol
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.6534

Abstract

This research is motivated by the discrepancies found in previous research results regarding the influence of asset growth, leverage, and operational efficiency on company value, particularly in the transportation and logistics sector. This study aims to analyze the influence of asset growth, leverage, and operational efficiency on the value of transportation and logistics companies listed on the Indonesia Stock Exchange (IDX) for the 2022–2025 period. The approach used is quantitative with a causal research type. The research data consists of secondary data obtained from the annual financial reports of transportation and logistics companies listed on the IDX. The sampling technique used a purposive sampling method, resulting in 12 companies with an observation period of four years, resulting in a total of 48 observations. Data analysis was performed using panel data regression with a Random Effects Model using STATA software version 14. The results show that asset growth and leverage have no significant effect on company value, while operational efficiency has a significant effect on company value. Simultaneously, asset growth, leverage, and operational efficiency have a significant effect on company value. These findings indicate that operational efficiency is an important factor in increasing company value and can be a consideration for investors in assessing the performance of transportation and logistics companies.
Pengaruh Rasio Likuiditas, Solvabilitas, Profitabilitas Terhadap Harga Saham Perusahaan Pertambangan Putri Mbera, Kristina; Faisol; Nurdiwaty, Diah
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2025): Juli-September, Green Entrepreneurship and Sustainable Economic Empowerment in
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/dmh1tq44

Abstract

This study aims to investigate the impact of liquidity ratio, solvency, and profitability on the stock prices of mining companies listed on the IDX (Indonesian Stock Exchange) from 2018 to 2022. The research employs a causal-comparative technique with a quantitative approach. The population consists of mining companies listed on the IDX during the period from 2018 to 2022, totaling 40 companies, and the sampling technique used is purposive sampling. Data analysis employs multiple linear regression analysis. The test results using the t-test indicate that liquidity (Current Ratio) has no partial effect on stock prices (p-value 0.165). Solvency (Debt to Asset Ratio) also shows no partial effect on stock prices (p-value 0.529). However, profitability (Return on Asset) exhibits a significant effect on stock prices (p-value 0.001). The F-test results demonstrate that liquidity (Current Ratio), solvency (Debt to Asset Ratio), and profitability (Return on Asset) collectively influence stock prices (p-value 0.011).