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All Journal MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Journal of Economic, Bussines and Accounting (COSTING) International Journal of Management Science and Information Technology (IJMSIT) Al-Zayn: Jurnal Ilmu Sosial & Hukum
Fridayana Yudiatmaja
Universitas Pendidikan Ganesha
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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The Effect of Digital Literacy and Innovation Resistance to Use Digital Payment for Taxpayers Ni Made Susi Adnyani; Ni Kadek Sinarwati; Fridayana Yudiatmaja
Matrik : Jurnal Manajemen, Strategi Bisnis, dan Kewirausahaan Volume 17 Nomor 1 Tahun 2023
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2023.v17.i01.p07

Abstract

The growth of digital payments is accelerating with technological advancements, which must fully pique the interest of the general public, particularly the land and building taxpayers in Buleleng Regency. This study looks at how innovation resistance and digital literacy affect taxpayers' desire in adopting digital payments for land and buildings in the Buleleng area. Utilizing a questionnaire, this study is quantitative. 178 respondents were chosen using a chance sample technique from the population of this study, which consists of land and building taxpayers in the Buleleng regency. Using SEM-PLS analysis, test the data. According to the study's findings, digital literacy significantly and favorably influences people's intentions to utilize digital payments, (2) the desire to use digital payments is negatively and significantly impacted by innovation resistance, (3) the intention to use digital payments is impacted simultaneously by both digital literacy and innovation resistance. Keywords: Digital Literacy, Innovation Resistance, Behavior Intention, Digital Payment
Faktor-Faktor Yang Mempengaruhi Resistensi Penggunaan Platform E-Commerce "Digipay Satu" (Studi Pada Kppn Singaraja) Ketut Oki Murjana; Fridayana Yudiatmaja; Ni Kadek Sinarwati
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i5.11518

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi resistensi penggunaan platform e-commerce digipay satu di lingkungan KPPN Singaraja. Dalam konteks e-commerce, resistensi penggunaan merupakan perlawanan atau ketidaknyamanan yang dialami oleh pengguna terhadap adopsi teknologi tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan menyebarkan kuesioner kepada responden yang merupakan pegawai di lingkungan KPPN Singaraja dan pegawai pada Satuan Kerja mitra kerja KPPN Singaraja sebagai pengguna aplikasi Digipay Satu. Teknik analisis data yang digunakan adalah regresi berganda untuk mengidentifikasi faktor-faktor yang signifikan dalam mempengaruhi resistensi penggunaan. Hasil penelitian menunjukkan bahwa Nilai Persepsi berpengaruh negatif terhadap resistensi pengguna digipay satu di KPPN Singaraja. Switching cost berpengaruh positif pada resistensi pengguna Digipay Satu di KPPN Singaraja, keyakinan diri berpengaruh negatif terhadap resistensi pengguna. Dukungan organisasi berpengaruh negatif terhadap resistensi pengguna digipay satu di KPPN Singaraja dan opini Kolega berpengaruh negatif terhadap resistensi pengguna digipay satu di KPPN Singaraja. Implikasi dari temuan ini dapat memberikan pemahaman yang lebih baik tentang faktor-faktor yang dapat meningkatkan adopsi dan resitensi penggunaan platform e-commerce di lingkungan KPPN Singaraja serta memberikan rekomendasi untuk pengembangan lebih lanjut.
Bitcoin Risk Perception and Investment Behavior: The Role of Literacy and Trust I Made Ardita; Ni Made Suci; Fridayana Yudiatmaja
International Journal of Management Science and Information Technology Vol. 6 No. 1 (2026): January - June 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i1.6979

Abstract

This study aims to examine the effect of Bitcoin risk perception on stock investment decisions by considering the mediating roles of financial literacy and investor trust. The rapid development of digital financial technology, particularly cryptocurrencies, has introduced new dimensions of risk that influence investor behavior across financial instruments. This research adopts a quantitative approach with an explanatory design, involving 120 respondents selected through purposive sampling. Data were collected using structured questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that Bitcoin risk perception has a positive and significant effect on financial literacy, investor trust, and stock investment decisions. Furthermore, financial literacy and investor trust significantly influence stock investment decisions and serve as partial mediators in the relationship between Bitcoin risk perception and investment decisions. These findings suggest that higher awareness of cryptocurrency risk encourages individuals to enhance their financial understanding and develop rational trust, ultimately leading to more informed investment decisions in the stock market. This study contributes to the integration of behavioral finance and financial technology by highlighting the indirect mechanisms through which risk perception shapes investment behavior. Practically, the results emphasize the importance of financial education and transparent information in improving investor decision-making in the digital era.
Examining the Effects of Technical Indicators, Fundamental Factors, and Market Sentiment on Forex Trading Behavior at YI Trade I Gusti Agung Widi Pradipta; Ni Made Suci; Fridayana Yudiatmaja
International Journal of Management Science and Information Technology Vol. 6 No. 1 (2026): January - June 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i1.7097

Abstract

Forex trading carries various risks that require attention. Based on this, this study aims to analyze the factors influencing the selection of forex trading transaction recommendations on YI Trade. This research is quantitative with a descriptive quantitative approach. The population includes community members, platform users, or customers receiving YI Trade online trading signals. The research sample was selected using a purposive sampling technique. The sample size in this study ranged from 50 to 79 respondents. The research method used in this study was a closed-ended questionnaire. The data collection instrument used a questionnaire sheet. The techniques used in data analysis were multiple linear regression and the t-test. The results showed that, first, testing the influence of Fundamentals (X1) on Transaction Recommendations (Y) obtained a coefficient value of 0.198 with a significance value of 0.014, indicating a significant influence between Fundamentals (X1) and Transaction Recommendations (Y). Second, the influence of Perception of Technical Analysis (X2) on Transaction Recommendation (Y) obtained a coefficient value of 0.426 with a significance value of 0.000, so there is a significant influence of Perception of Technical Analysis (X2) on Transaction Recommendation (Y). Third, the influence of Market Sentiment (X3) on Transaction Recommendation (Y) obtained a coefficient value of 0.098 with a significance value of 0.025, so there is a significant influence of Market Sentiment (X3) on Transaction Recommendation (Y). Fourth, Hypothesis VI. significance value of 0.000 (α <0.05). It is concluded that the Fundamental variables (X1), Perception of Technical Analysis (X2), and Market Sentiment (X3) simultaneously have a significant influence on the Transaction Recommendation variable (Y).
Analisis Perbandingan Kinerja Keuangan Perusahaan CPO Sebelum dan Sesudah Perubahan Kebijakan Pemerintah Larangan Ekspor CPO Tahun 2022 : (Studi pada Perusahaan CPO yang Listing di BEI pada Tahun 2020-2024) I Nyoman Gde Hari Santanu; Fridayana Yudiatmaja
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 4 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i4.9361

Abstract

Penelitian ini bertujuan untuk menganalisis perbedaan kinerja keuangan perusahaan Crude Palm Oil (CPO) sebelum dan sesudah kebijakan larangan ekspor CPO tahun 2022 berdasarkan rasio Current Ratio (CR), Debt to Equity Ratio (DER), Total Assets Turnover (TATO), Net Profit Margin (NPM), Return on Equity (ROE), dan Return on Assets (ROA). Populasi penelitian meliputi 24 perusahaan CPO yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2020–2024. Sampel ditentukan menggunakan teknik purposive sampling dengan kriteria perusahaan tercatat di BEI, menerbitkan laporan keuangan tahunan secara konsisten, dan tidak mengalami suspensi perdagangan saham selama periode penelitian. Berdasarkan kriteria tersebut diperoleh 11 perusahaan sebagai sampel penelitian. Data dikumpulkan melalui teknik dokumentasi dengan memanfaatkan laporan keuangan yang dipublikasikan pada website resmi BEI dan data dari Investing.com. Analisis data dilakukan menggunakan uji paired sample t-test dengan bantuan IBM SPSS Statistics 27. Hasil penelitian menunjukkan terdapat perbedaan yang signifikan pada seluruh indikator kinerja keuangan, yaitu CR, DER, TATO, NPM, ROE, dan ROA, antara periode sebelum dan sesudah penerapan kebijakan larangan ekspor CPO tahun 2022.
Co-Authors I Gusti Agung Widi Pradipta I Made Ardita I Nyoman Gde Hari Santanu Ketut Oki Murjana Ni Kadek Sinarwati Ni Made Suci Ni Made Susi Adnyani