Article Per Year (5 Year)
p-Index From 2021 - 2026
2.765
P-Index
This Author published in this journals
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 Jurnal Pengabdian Inovasi Sosial Ekonomi
Khana Saputri
Unknown Affiliation
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

Published : 17 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 17 Documents
Search

 1   2 
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.
Financial Technology and Digital Tax Education at Yayasan Pendidikan Pangeran Antasari Khana Saputri; Agus Tina; Ninta Katharina; Wiliam Wiliam; Afriza Amir
Wahana Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 2 (2025): Edisi Desember
Publisher : Ilmu Bersama Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56211/wahana.v4i2.1527

Abstract

The rapid development of financial technology (fintech) and the digitalization of tax administration have transformed financial services and public sector systems in Indonesia. These changes require young generations to develop adequate financial literacy and digital tax awareness, enabling them to use digital financial services safely and understand basic tax obligations. This community service program aims to provide education on secure fintech usage, identifying illegal financial platforms, and conducting tax payments through the Coretax application for Grade XI students at Yayasan Pendidikan Pangeran Antasari. The activities were carried out through socialization, lectures, discussions, and practical demonstrations involving 40 students. The results show a significant increase in students’ understanding of fintech benefits and risks, cybersecurity awareness, and digital tax procedures. The program also fostered early tax consciousness and appreciation of taxpayer responsibilities in the digital era. Overall, this initiative contributes to strengthening financial and digital tax literacy among future taxpayers.
Peningkatan Literasi Keuangan Melalui Budaya Menabung Sejak Dini bagi Anak Panti Asuhan Sinar Jaya Indonesia Ninta Katharina; Khana Saputri; Agus Tina; Afriza Amir; Wiliam; Deasy Arisandy Aruan; Kristi Endah Ndilosa Ginting
Jurnal Pengabdian Inovasi Sosial Ekonomi Vol. 3 No. 02 (2026): Mei 2026
Publisher : Jurnal Pengabdian Inovasi Sosial Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This community service article describes a financial literacy program through early saving habituation for children at Sinar Jaya Indonesia Orphanage in Medan. The program was conducted on 8 June 2026 by a team of lecturers from the Faculty of Economics and Business, Universitas Prima Indonesia. The activity aimed to improve children's understanding of money functions, needs and wants, saving discipline, and simple financial planning. The method used was a participatory educational approach involving observation, interactive counseling, discussion, saving simulation, practice with piggy banks, and descriptive evaluation. The population consisted of children living at the orphanage, while the sample included participants who attended the activity. Instruments included observation sheets, discussion guides, saving target cards, and documentation. The results showed that participants were enthusiastic, able to identify needs and wants, understood the importance of saving from small amounts, and practiced saving commitments using simple media. The activity indicates that early saving culture can strengthen financial literacy and support children's independence in orphanage environments.
Co-Authors Afriza Amir Afriza Amir Agung Anggoro, Muhammad Agus Tina Agus Tina Agus Tina Agustina Amir, Afriza Andrian Cuaca, Albert Angel Hong Hong Arion Sahputra Marasi Malau Aruan, Deasy Arisandy Brendhyco Pardede Deasy Arisandy Aruan Dwita Sakuntala Evelin Emay Crisnawati Sirait Farrell , Edric Fauzi Rambe, Muis Fitriano, Andre Garcia, Louis Ghozali, Hendy Ginting, Kristi Endah Ndilosa Gracia, Jennifer Jarunjung Hutagaol Jessy Safitri Sitorus Jimmy Doli Sitohang Kristi Endah Ndolisa Ginting Laurence, Calvin Audie Louis Enrico MUIS FAUZI RAMBE Ninta Katharina 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 Wiliam Wiliam, Wiliam William Winata, Frederick Wirda Lilia