Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Journal of Economics, Entrepreneurship, Management Business and Accounting
Lilik Handayani
Sekolah Tinggi Ilmu Ekonomi Balikpapan
Economics, Econometrics & Finance

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Analysis of the Influence of Fiscal Decentralization, Dependency Ratio, and Ratio of Independence on the Human Development Index in East Region of Indonesia Lilik Handayani; Seniorita; Samuel PD Anantajaya; Henky Hendrawan; Hendy Tannady
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 9 No. 1 (2023): Februari 2023
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v9i1.914

Abstract

The objectives of this study is to examine the influence of fiscal decentralization, dependency ratio and ratio of independence on human development index in east region of Indonesia. The method used in this research is quantitative research. This study used a sample of provinces in Indonesia. The samples used in this study were from 12 provinces in Eastern Indonesia, namely, West Nusa Tenggara, East Nusa Tenggara, North Sulawesi, Central Sulawesi, South Sulawesi, Southeast Sulawesi, Gorontalo, West Sulawesi, Maluku, North Maluku, Papua, and West Papua. In this study, we used secondary data types with the time period 2010-2019. In this study, all variable data units are percent. The data used in this study is secondary data in the form of panels, which is a combination of cross-sectional data and time series data. The conclusion of this study is that the degree of fiscal decentralization has an effect, but not significantly, and shows a negative relationship to the human development index. This shows that if there is an increase in the degree of fiscal decentralization, it will reduce the human development index.
Why Financial Behavior Differs: The Roles of Fintech Literacy, Social Comparison, and Anxiety Yuli Rahmini Suci; Roswiyanti Roswiyanti; Andi Widiawati; Lilik Handayani; Johannes Baptista Halik
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1401

Abstract

Purpose – This study examines the effects of perceived fintech literacy and social comparison orientation on financial behavior among productive-age adults in Indonesia, with financial anxiety as a mediating mechanism. Design/Methodology/Approach – A quantitative explanatory study was conducted using a cross-sectional survey of 210 productive-age fintech users in Indonesia. Respondents were selected through purposive sampling, and the data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Findings – Perceived fintech literacy positively affects both financial behavior and financial anxiety. Social comparison orientation significantly increases financial anxiety but has no direct effect on financial behavior. Financial anxiety positively influences financial behavior, partially mediating the relationship between fintech literacy and financial behavior, and fully mediating the relationship between social comparison orientation and financial behavior. Originality/Value – This study extends the behavioral finance literature by identifying financial anxiety as a key mechanism linking fintech literacy and social comparison orientation to financial behavior. The findings emphasize the importance of integrating cognitive, social, and psychological factors in financial education and policy to promote responsible financial decision-making.
Co-Authors Andi Widiawati Hendy Tannady Henky Hendrawan Johannes Baptista Halik Roswiyanti Roswiyanti Samuel PD Anantajaya Seniorita Yuli Rahmini Suci