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All Journal JURNAL MANAJEMEN MOTIVASI Journal of Economic, Bussines and Accounting (COSTING) Maneggio: Jurnal Ilmiah Magister Manajemen Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ekonomi Bisnis Manajemen Prima GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) International Journal of Marketing and Human Resource Research Wahana
Khana Saputri
Universitas Prima Indonesia
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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Pengaruh Literasi Keuangan Dan Perilaku Keuangan Terhadap Keputusan Investasi Petani Di Kecamatan Onan Ganjang Roy Miduk Sitanggang; Khana Saputri; Evelin Emay Crisnawati Sirait; Jimmy Doli Sitohang; Brendhyco Pardede; Muis Fauzi Rambe
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.8476

Abstract

Tujuan dari penelitian ini adalah untuk memastikan bagaimana keputusan investasi petani di Desa Parbotihan dipengaruhi oleh perilaku keuangan dan literasi keuangan mereka. Temuan penelitian menunjukkan bahwa literasi keuangan secara signifikan memengaruhi pilihan investasi, tetapi hubungan ini berbanding terbalik, yang berarti bahwa petani lebih berhati-hati ketika melakukan investasi jika mereka memiliki tingkat literasi keuangan yang lebih tinggi. Meskipun demikian, perilaku keuangan dan pilihan investasi berkorelasi kuat dan menguntungkan, yang menunjukkan bahwa petani lebih cenderung berinvestasi jika keuangan mereka dalam kondisi lebih baik. Secara keseluruhan, keputusan investasi petani dipengaruhi oleh perilaku keuangan dan literasi keuangan pada saat yang sama; ketika kedua faktor meningkat, maka keputusan investasi petani juga meningkat, dan sebaliknya. Penelitian ini menyoroti betapa pentingnya manajemen dan pendidikan keuangan yang baik untuk membantu petani membuat pilihan investasi yang bijaksana dan jangka panjang.
The Effect Of Financial Literacy, Paylater Preference, And Cash Flow Management On The Cash Flow Resilience Of Generation Z Students In The E-Commerce Era Louis Enrico; Thomas Christopher; Arion Sahputra Marasi Malau; Khana Saputri; Dwita Sakuntala
International Journal of Marketing & Human Resource Research Vol. 7 No. 2 (2026): International Journal of Marketing & Human Resourches Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijmhrr.v7i2.3419

Abstract

The expansion of digital financial services, particularly the Paylater feature on e-commerce platforms, has increased transaction flexibility among Generation Z students while also heightening short-term liquidity risks. Prior studies have largely focused on financial literacy and fintech usage from a behavioral perspective, with limited attention given to cash flow resilience as a direct indicator of individual financial stability. This study aims to examine the effects of financial literacy, Paylater preference, and cash flow management on the cash flow resilience of Generation Z students in the e-commerce era. A quantitative explanatory design was employed involving 300 respondents selected through purposive sampling. Data were analyzed using multiple linear regression. The findings indicate that financial literacy and cash flow management have a positive and significant effect on cash flow resilience, while Paylater preference has a negative and significant effect. Cash flow management emerges as the most dominant variable, and the three predictors jointly explain 42.7% of the variance in students’ cash flow resilience. These results highlight that students’ financial stability is multidimensional, shaped by the interaction between cognitive capacity, digital consumption behavior, and financial management discipline. This study contributes to the digital financial behavior literature by positioning cash flow resilience as an indicator of sustainable financial stability in the digital economy context.
FAKTOR RECEIVABLE TURNOVER, CURRENT RATIO DAN DEBT TO EQUITY RATIO TERHADAP RETURN ON ASSET PADA PERUSAHAAN SEKTOR TRADE, SERVICES AND INVESTMENT -, Khana Saputri
Jurnal Ekonomi Bisnis Manajemen Prima Vol. 2 No. 2 (2021): Jurnal Ekonomi Bisnis Manajemen Prima
Publisher : JEBIM Prima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34012/jebim.v2i2.1590

Abstract

This study aims to examine the factors of Receivable Turnover, Current Ratio and Debt To Equity Ratio to Return On Assets in Trade, Services and Investment Sector Companies. The research approach used in this research is quantitative research. The population that will be used in this research is the Trade, Service and Investment companies in the Indonesia Stock Exchange totaling 111 companies with 60 observational data. The results of the research show that Receivable Turnover has no significant effect, Current Ratio has a significant positive effect, Debt to Equity Ratio has a significant positive effect partially. Receivable Turnover, Current Ratio, and Debt to Equity Ratio simultaneously affect Return On Asset in Trade, Service and Investment sector companies listed on the Indonesia Stock Exchange. Meanwhile, the coefficient of determination is 15.9%.
The Effect of Promotion, Service Quality, Online Customer Rating on Purchase Decisions For Gojek Services in Medan City Pasaribu, Lidya Natalia; Gracia, Jennifer; Sinaga, Dina Maylentina Br; Saputri, Khana
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8434

Abstract

This study aims to analyze the influence of promotions, service quality, and online customer ratings on purchasing decisions for Gojek services in Medan City. The method used is quantitative research with a purposive sampling technique, involving 100 respondents who are active Gojek users aged 18-30 years. Data were analyzed using path analysis with the help of SmartPLS software version 4. The results of the study indicate that partially, promotions have no significant effect on purchasing decisions, while service quality and online customer ratings have a positive and significant effect. Simultaneously, these three variables have a significant positive effect on purchasing decisions with a contribution of 87.6%. These findings indicate that service quality and online customer ratings are the main factors in purchasing decisions for Gojek services by Medan residents. This study provides recommendations for increasing the effectiveness of promotions and strengthening service quality and managing online customer ratings to increase customer loyalty.
The Influence of Financial Literacy and Income on Investment Decisions: A Case Study of MSMEs in Medan City Rudianto, Rudianto; Farrell , Edric; Khana Saputri; Pasaribu , Lidya Natalia
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8503

Abstract

This study examines the influence of financial literacy and income on investment decisions among 182 MSME actors in Medan City using a quantitative approach. Data were collected via questionnaires and analyzed through model evaluation, structural analysis, and effect size measurement. Results show that financial literacy significantly affects investment decisions (f² = 0.777), explaining 77.7% of the variance. Income also contributes (f² = 0.170), accounting for 17% of the variance. The remaining 5.3% is attributed to other factors beyond the study’s scope.
The Influence of Brand Equity and Internet Banking Services on the Decision to Become a Customer of an Indonesian Islamic Bank Saputri, Khana; Laurence, Calvin Audie; Winata, Frederick; Andrian Cuaca, Albert; Fauzi Rambe, Muis
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8966

Abstract

This study aims to analyze the effect of brand equity and internet banking service quality on the decision to become a customer of Bank Syariah Indonesia (BSI). This quantitative study involved 100 active users of BSI Internet Banking selected through simple random sampling. Data were analyzed using SEM-PLS with SmartPLS 4.0 software. The results show that brand equity (β = 0.476; p < 0.05) and internet banking service quality (β = 0.406; p < 0.05) have a positive and significant effect on the decision to become a BSI customer. The R-square value of 0.656 indicates that both variables explain 36% of customer decisions. These findings highlight the importance of strengthening brand value and improving digital banking service quality to increase customer decisions in Islamic banking institutions.
Co-Authors Afriza Amir Agung Anggoro, Muhammad Agus Tina Agustina Amir, Afriza Andrian Cuaca, Albert Angel Hong Hong Arion Sahputra Marasi Malau Aruan, Deasy Arisandy Brendhyco Pardede Dwita Sakuntala Evelin Emay Crisnawati Sirait Farrell , Edric Fauzi Rambe, Muis Fitriano, Andre Garcia, Louis Ghozali, Hendy Gracia, Jennifer Jarunjung Hutagaol Jessy Safitri Sitorus Jimmy Doli Sitohang Kristi Endah Ndolisa Ginting Laurence, Calvin Audie Louis Enrico MUIS FAUZI RAMBE Ninta Katharina Pasaribu , Lidya Natalia Pasaribu, Lidya Natalia Rafida Khairani Rahmat Alamsyah Harahap Roy Miduk Sitanggang Rudianto Rudianto Sinaga, Dina Maylentina Br Steven Valentino Valentino Thomas Christopher Tina, Agus Widya Astuty Wiliam, Wiliam William Winata, Frederick Wirda Lilia