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All Journal Jurnal Manajemen Sains dan Organisasi (JMSO) Jurnal Investasi Islam Journal of Research in Social Science and Humanities PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Jurnal Ekonomi, Manajemen, Akuntansi
Rita Sarlawa
Universitas Palangka Raya
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Pengaruh Kinerja Lingkungan, Profitabilitas, Ukuran Perusahaan dan Kepemilikan Saham Publik Terhadap Pengungkapan CSR di Bursa Efek Indonesia Metri Metri; Solikah Nurwati; Rita Sarlawa
JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan bisnis, Akuntansi Vol. 1 No. 1 (2021): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi Dan Bisnis Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (451.452 KB) | DOI: 10.52300/jemba.v1i1.2490

Abstract

Research in the field of finance related to corporate social responsibility is an interesting topic in increasing the CSR disclosure of manufacturing companies. The influence of the importance of policies and actions Environmental performance, profitability, company size and public ownership can increase the disclosure of CSR responsibility for manufacturing companies on the IDX in 2015-2018. This research is related to the manufacturing industry because it has the largest number of companies than other types of industries that are sensitive to the general public and the influence of company stakeholder trust. The results show that it is very important for manufacturing companies to support CSR by environmental performance, profitability, company size and joint public ownership. The results in this study indicate that the disclosure of CSR in manufacturing companies listed on the IDX in 2015-2018 requires an antecedent for the greater the size of the antecedent, the more extensive the CSR disclosure that will be carried out. This confirms the agency theory of research which explains that the bigger a company is, the greater its CSR costs. But the results show that the profitability is not significant in increasing endogenous. So that further research includes financial literacy variables to increase the CSR of manufacturing companies. Practical research implications for stakeholders who get the good news that the company's CSR will increase the height of the work relationship, therefore it is very important for companies to expand and increase CSR for the sustainability of manufacturing companies
Analisis Tingkat Kesehatan Bank Dengan Metode CAMEL (Capital, Assets Quality, Management, Earnings, Liquidity) Pada PT Bank Kalteng Muhammad Alief Akbar; Rita Sarlawa
Jurnal Manajemen Sains dan Organisasi Vol. 2 No. 2 (2021): Jurnal Manajemen Sains dan Organisasi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jmso.v2i2.3179

Abstract

Tujuan, - Penelitian ini ditujukan untuk mengetahui tingkat kesehatan PT Bank Kalteng ditinjau  dengan metode CAMEL Desain/Methodologi/Pendekatan - Analisis data yang digunakan adalah analisis CAMEL. Sumber data dalam penelitian ini adalah pada laporan publikasi keuangan yang dapat di akses melalui website resmi bank kalteng. Metode pengumpulan data dalam penelitian ini adalah dokumentasi yakni pengumpulan data dengan cara mengumpulkan data sekunder  yang telah didokumentasikan yang berupa laporan keuangan tahunan. Temuan penelitian - Hasil penelitian menunjukan bahwa, aspek permodalan (Capital) hasil rasio CAR terkategorikan sehat. Kualitas aset (Assets Quality) hasil rasio KAP terkategorikan sehat. Manajemen hasil rasio NPM (Net Profit Margin) terkategorikan sehat. Rentabilitas (Earnings) hasil rasio ROA dan BOPO terkategorikan sehat. Likuiditas (Liquidity) hasil rasio LDR terkategorikan sehat. Ini menunjukan bahwa penilaian tingkat kesehatan dengan metode CAMEL pada PT Bank Kalteng tergolong sehat.
The Effect Of Financial Literacy And Lifestyle On Savings Interest Moderated By Gender Among State-Owned Bank Customers In Palangka Raya City Gresia Puspitasari; Luluk Tri Harinie; Ani Mahrita; Rita Sarlawa
Journal of Research in Social Science and Humanities Vol 5, No 4 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i4.506

Abstract

This study aims to examine the effect of financial literacy and lifestyle on saving interest, with gender as a moderating variable, among customers of state-owned banks (BUMN) in Palangka Raya City. The study is motivated by the phenomenon of low saving interest despite the increasing use of banking services. This research employs a descriptive quantitative approach. Data were collected through questionnaires distributed to active customers of Bank BRI, Bank Mandiri, Bank BNI, and Bank BTN in Palangka Raya City. The collected data were analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method with the assistance of SmartPLS software. The results show that financial literacy has a positive and significant effect on saving interest. Lifestyle also has a positive and significant effect on saving interest. However, gender does not moderate the relationship between financial literacy and saving interest, nor the relationship between lifestyle and saving interest. These findings indicate that financial literacy and lifestyle play an important role in encouraging saving interest among customers of state-owned banks, regardless of gender differences. This study is expected to contribute to behavioral finance literature and provide practical insights for banking institutions in designing strategies to enhance customers’ saving interest.
Pengaruh Financial Knowledge Dan Digital Financial Literacy Terhadap Adopsi Layanan Keuangan Digital (Analisis Ordered Logit) Katarina Rani Rajagukguk; Rita Sarlawa; Ronni Haga; Dhina Sri Widyaningsih
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.16266

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Financial Knowledge dan Digital Financial Literacy terhadap adopsi layanan keuangan digital pada Generasi Z di Kota Palangka Raya. Penelitian ini dilakukan menggunakan pendekatan kuantitatif. Pengumpulan data diperoleh melalui penyebaran kuesioner kepada 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan model regresi logistik ordinal (ordered logit) untuk menganalisis pengaruh variabel independen terhadap tingkat adopsi layanan keuangan digital. Hasil penelitian menunjukkan bahwa secara simultan model penelitian berpengaruh signifikan terhadap adopsi layanan keuangan digital. Secara parsial, Digital Financial Literacy berpengaruh positif dan signifikan terhadap adopsi layanan keuangan digital, sedangkan Financial Knowledge tidak berpengaruh signifikan. Temuan ini menunjukkan bahwa literasi keuangan digital memiliki peran yang lebih dominan dalam mendorong Generasi Z untuk mengadopsi layanan keuangan digital. Dengan demikian, peningkatan literasi keuangan digital menjadi faktor penting dalam mendukung pemanfaatan layanan keuangan digital di kalangan generasi muda.
Financial Literacy, Financial Technology, and Access to Finance as Determinants of MSME Sustainability: Evidence from Culinary MSME in Palangka Raya Johannes Ficher Sinaga; Rita Sarlawa; Evinalia Yeba; Dhina Sri Widyaningsih
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16013

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in economic growth; however, their sustainability remains constrained by low financial literacy, limited utilization of financial technology (fintech), and restricted access to financing. Previous studies have reported inconsistent findings regarding the effects of these factors on MSME sustainability, indicating the need for further empirical evidence, particularly in the culinary sector. This study aims to examine the effects of financial literacy, financial technology, and access to finance on the sustainability of culinary MSMEs in Palangka Raya City. A quantitative survey approach was employed. A total of 98 respondents were selected using purposive sampling, while the sample size was determined using the Slovin formula. Data were analyzed using multiple linear regression with SPSS version 27. The results indicate that financial literacy has a positive and significant effect on MSME sustainability (β = 0.269; p < 0.001), financial technology has a positive but insignificant effect (β = 0.049; p = 0.567), and access to finance has a positive and significant effect (β = 0.243; p = 0.002). Simultaneously, the three independent variables significantly influence MSME sustainability (F = 15.665; p < 0.001), with an adjusted coefficient of determination of 33.3%. These findings suggest that improving financial literacy and expanding access to finance are essential for enhancing MSME sustainability, whereas the utilization of financial technology should be optimized to generate greater business value. This research provides a scientific contribution by strengthening the empirical evidence regarding the integration of financial literacy, financial technology, and access to finance in explaining MSME sustainability through the perspectives of the Resource-Based View, Behavioral Life Cycle Theory, and Technology Acceptance Model.
Akselerasi Pelayanan Nasabah Melalui Transformasi Digital Byond dan Peningkatan Efisiensi Administrasi di BSI KCP Palangkaraya 1 Pusvita Ardian Dinata; Rita Sarlawa; Ellsa Riyany; Khusnul Khotimah
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 3 No. 4 (2026): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v3i4.2499

Abstract

This community service study aims to analyze the acceleration of customer service through digital transformation using the BYOND application and to evaluate the improvement of administrative efficiency at BSI KCP Palangkaraya 1. The method employed is descriptive qualitative, with data collection techniques including observation, interviews, and documentation conducted from February to March 2026. The results indicate that conventional service processes at Customer Service and Teller units are still dominated by physical forms and manual verification, leading to long queues. The implementation of the BYOND application faces technical obstacles such as facial verification (liveness detection) failures and low digital literacy among senior customers. However, through direct education and mentoring programs, there has been a significant increase in administrative efficiency, a reduction in physical queues, and improved accountability of transaction data. This study confirms that the integration of digital technology, accompanied by intensive mentoring, can create a more responsive and efficient sharia banking ecosystem in Palangka Raya.
Peran Fintech Sebagai Moderasi Dalam Pengaruh Literasi Keuangan dan FoMO Terhadap Perilaku Konsumtif Digital Siswa SMA di Puruk Cahu Desiva Amalia; Vivi Kristinae; Ronni Haga; Rita Sarlawa
Permana : Jurnal Perpajakan, Manajemen, dan Akuntansi Vol. 17 No. 3 (2025): Special Issue
Publisher : Faculty of Economics and Business, University of Pancasakti Tegal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24905/permana.v17i3.1451

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan Fear of Missing Out (FoMO) terhadap perilaku konsumtif digital siswa SMA di Puruk Cahu, serta menguji peran financial technology (fintech) sebagai variabel moderasi dalam hubungan tersebut. Penelitian ini menggunakan sampel sebanyak 100 siswa SMA Negeri di Puruk Cahu. Metode yang digunakan adalah metode survei dengan teknik pengumpulan data melalui kuesioner dan dianalisis menggunakan Structural Equation Modeling berbasis Partial Least Square (SEM-PLS) dengan bantuan software SmartPLS versi 4.0. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku konsumtif digital, FoMO berpengaruh positif dan signifikan terhadap perilaku konsumtif digital, namun literasi keuangan tidak berpengaruh signifikan terhadap FoMO. Selain itu, fintech terbukti mampu memoderasi secara signifikan pengaruh literasi keuangan terhadap perilaku konsumtif digital serta memoderasi pengaruh FoMO terhadap perilaku konsumtif digital. Penelitian ini diharapkan dapat menjadi dasar pengembangan edukasi literasi keuangan digital yang terintegrasi dengan pengendalian aspek psikologis dan penggunaan fintech secara bijak, serta menjadi referensi bagi penelitian selanjutnya dengan menambahkan variabel lain dan memperluas cakupan wilayah penelitian.
Co-Authors Ani Mahrita Desiva Amalia Dhina Sri Widyaningsih Ellsa Riyany Evinalia Yeba Gresia Puspitasari Johannes Ficher Sinaga Katarina Rani Rajagukguk Khusnul Khotimah Luluk Tri Harinie Metri Metri Muhammad Alief Akbar Pusvita Ardian Dinata Ronni Haga Solikah Nurwati Vivi Kristinae