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All Journal Distribusi EKUITAS (Jurnal Ekonomi dan Keuangan) Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton BASKARA: Journal of Business and Entrepreneurship Ilomata International Journal of Management Jurnal Ilmiah Metansi (Manajemen dan Akuntansi)
Destiana Destiana
Universitas Terbuka
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Analisis Faktor Internal Yang Mempengaruhi Underpricing Saham Pada Initial Public Offering (Studi Perseroan Go Public di BEI Januari- Desember 2019) Jufri Yandes; Destiana Destiana
Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Vol 9 No 2 (2023): Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton
Publisher : Lembaga Jurnal dan Publikasi Universitas Muhammadiyah Buton

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35326/pencerah.v9i2.2983

Abstract

This study was carried out to examine internal factors that determine the underpricing value of shares in the initial public offering on the IDX (Indonesia Stock Exchange) for the period January – December 2019. These internal factors consist of ROA (Return on Asset) and ROE (Return on Equity). This study is quantitative, and uses the explanatory research type of study, and uses the purposive sampling method in determining the sample. The sample used was 32 issuers during the period January – December 2019. The method used in this study is hypothesis testing including multiple linear regression analysis using the help of the Statistical Program for Social Science (SPSS). The database used in this study is a prospectus data published by issuers that will go public in collaboration with underwriting companies. The results of the study partially showed that the variables ROA (Return on Asset) and ROE (Return on Equity) did not have a significant effect on the underpricing value of IPO shares, and simultaneously the variables ROA (Return on Asset) and ROE (Return on Equity) together had a significant effect on the underpricing of IPO shares, where the coefficient results were negative in the underpricing value of IPO shares, which means that the greater the variables ROA (Return on Asset) and ROE (Return on Equity) then The underpricing value of the stock will decrease further.
Fluktuasi Nilai IHSG: Dampak Kondisi Inflasi Tahun 2023 di Indonesia Jufri Yandes; Destiana Destiana; Ridha Azka Raga; Jasrial Jasrial; Aji Fajar Suryo Antoro; Husna Putri Pertiwi
Jurnal Ilmiah METANSI ”Manajemen dan Akuntansi” Vol 7 No 1 (2024): Jurnal Ilmiah Metansi (Manajemen dan Akuntansi)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Lamappapoleonro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57093/metansi.v7i1.251

Abstract

In navigating the flow of life, investment becomes the main pillar to ensure financial sustainability in the future. This study explores the possible influence of inflation condition in 2023 on the fluctuation of JCI value from January to December. Time series data of JCI for 12 months is used from Yahoo Finance source, and linear regression analysis through EViews is used to test the hypothesis with t-test, and data from Bank Indonesia for inflation condition. The interesting result of the study states that the fluctuation of JCI cannot be influenced by the inflation condition in 2023, especially in the studied time frame. This suggests that other factors may be more dominant in determining the movement of the JCI during that period. The importance of this study is not only to understand the dynamics of the capital market, but also as a guide for investors in making more targeted investment decisions. However, this study is not free from limitations, such as the limited time data available and the generalisation of results only to a certain time span. Hopefully, future research will identify and correct these limitations to gain a more comprehensive understanding of the relationship between economic conditions particularly regarding inflation, JCI, and the capital market. Thus, investors in the future can face changes in economic conditions more confidently and strategically.
The Impact of Financial Literacy and Digital Transformation on MSME Performance in Bandung City Dwi Rahmawati; Destiana Destiana; Jufri Yandes
BASKARA : Journal of Business and Entrepreneurship Vol. 8 No. 1 (2025): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v8i1.28752

Abstract

Micro, small, and medium-sized enterprises (MSMEs) play an influential part in the economy of Indonesia. Their contribution to economic development is often hindered by insufficient financial literacy and a slow adoption of digital transformation. Enhancing these areas is crucial for boosting competitiveness, resilience, and sustainable growth. This research examines the impact of financial literacy, financial attitudes, financial satisfaction, and digital transformation on the performance of MSMEs in Bandung City. A quantitative research approach was utilized, employing primary data gathered through structured questionnaires given to MSME proprietors. The data analysis was completed using the partial least squares (PLS) technique, with the measurement model evaluated through convergent validity, discriminant validity, and reliability tests to maintain methodological rigor. The findings demonstrate that financial literacy, financial attitudes, financial satisfaction, and digital transformation each have a partial yet significant impact on MSME performance. The findings underscore the importance of integrating financial capability development with strategies for digital adoption to enhance business performance. The uniqueness of this research lies in its integration of financial behaviors and digital transformation aspects, providing a more comprehensive understanding of the factors influencing MSME performance. This study presents practical recommendations for policymakers and business leaders in developing strategies that enhance MSME competitiveness in the digital economy
GREEN PRODUCT STRATEGIES, COMPETITIVE ADVANTAGE, AND FIRM PERFORMANCE OF BATIK MICRO, SMALL, AND MEDIUM ENTERPRISES Destiana Destiana; Dwi Rahmawati; Husna Puteri Pertiwi
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 10 No 2 (2026): June
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2026.v10.i2.7884

Abstract

UNESCO recognized Batik, Indonesian cultural heritage, as aesthetically and symbolically significant, serving a vital economic role. However, conventional batik production methods pose serious environmental issues due to the usage of toxic chemicals and inadequate waste management. The green product concept comprising green input, green process, and green output have emerged as a sustainable solution. This quantitative study examines the impact of three green aspects on the performance of Micro Small Medium Enterprises (MSMEs), using competitive advantage as a mediating variable. Data were gathered from 39 batik Micro Small Medium Enterprises in Solo, Bandar Lampung, and Serang utilizing surveys with a five-point Likert scale. Then, data were analyzed using (PLS-SEM). The results indicate that green process and green output have a significant effect on both competitive advantage and MSMEs performance. In contrast, green input does not show a significant effect. Furthermore, competitive advantage is proven to have a strong positive impact on MSME performance. In the findings, while environmentally friendly raw materials are important, consumers place greater emphasis on visible product attributes such as quality, durability, eco labels, and official certifications. Therefore, batik enterprises should integrate sustainable practices not only in inputs, but also crucially in the processes and outputs to enhance competitiveness, build customer trust, and ensure long term business sustainability.
QRIS MOBILE PAYMENT ADOPTION AMONG JABODETABEK’S GEN Z: A UTAUT STUDY Dwi Rahmawati; Destiana Destiana; Rozainun Haji Abdul Aziz; Jufri Yandes
Distribusi - Journal of Management and Business Vol. 14 No. 2 (2026): Distribusi, September 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i2.707

Abstract

The rapid development of mobile payment systems has transformed consumer behavior, particularly among Generation Z, who are considered digital natives. In Indonesia, the Quick Response Code Indonesian Standard (QRIS) was introduced as a standardized QR payment system to enhance transaction efficiency, safety, and accessibility. This study investigates the adoption of QRIS among Generation Z in the JABODETABEK region and examines how factors derived from the Unified Theory of Acceptance and Use of Technology (UTAUT)—Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions—influence Behavioral Intention and Use Behavior. Data was collected through surveys distributed to 450 Generation Z respondents across Jakarta, Bogor, Depok, Tangerang, and Bekasi. Using Structural Equation Modeling with Partial Least Squares (PLS-SEM), results reveal that Performance Expectancy (β=0.432, p<0.001), Effort Expectancy (β=0.146, p=0.020), and Social Influence (β=0.290, p<0.001) significantly predict Behavioral Intention, while Facilitating Conditions (β=0.232, p=0.001) and Behavioral Intention (β=0.354, p<0.001) significantly predict Use Behavior. The findings indicate that adoption of QRIS is not only driven by perceived utility and ease of use but also by peer influence and infrastructural support. Implications highlight the need for targeted financial literacy programs and strategic collaboration between regulators and fintech providers to encourage responsible financial behavior among Generation Z.
The Impact of Financial Literacy and Digital Transformation on MSME Performance in Bandung City Dwi Rahmawati; Destiana Destiana; Jufri Yandes
BASKARA : Journal of Business and Entrepreneurship Vol. 8 No. 1 (2025): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v8i1.28752

Abstract

Micro, small, and medium-sized enterprises (MSMEs) play an influential part in the economy of Indonesia. Their contribution to economic development is often hindered by insufficient financial literacy and a slow adoption of digital transformation. Enhancing these areas is crucial for boosting competitiveness, resilience, and sustainable growth. This research examines the impact of financial literacy, financial attitudes, financial satisfaction, and digital transformation on the performance of MSMEs in Bandung City. A quantitative research approach was utilized, employing primary data gathered through structured questionnaires given to MSME proprietors. The data analysis was completed using the partial least squares (PLS) technique, with the measurement model evaluated through convergent validity, discriminant validity, and reliability tests to maintain methodological rigor. The findings demonstrate that financial literacy, financial attitudes, financial satisfaction, and digital transformation each have a partial yet significant impact on MSME performance. The findings underscore the importance of integrating financial capability development with strategies for digital adoption to enhance business performance. The uniqueness of this research lies in its integration of financial behaviors and digital transformation aspects, providing a more comprehensive understanding of the factors influencing MSME performance. This study presents practical recommendations for policymakers and business leaders in developing strategies that enhance MSME competitiveness in the digital economy
Determinants of Financial Literacy and Investment Decisions Among Generation Z in Indonesia Dwi Rahmawati; Destiana Destiana; Husna Putri Pertiwi; Laras Ayu Andini
Ilomata International Journal of Management Vol. 7 No. 4 (2026): October 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i4.2422

Abstract

This study examines the major determinants associated with financial literacy and investment choices among Generation Z in Indonesia, a generation of digital natives experiencing severe financial management issues. Utilizing a quantitative approach with multiple linear regression, the research analyzes data from 315 respondents across ten Indonesian provinces to explore the relationships between demographic factors, financial attitudes, behaviors, and knowledge. The findings indicate that demographic variables alone are inconsistent predictors of financial literacy, with gender emerging as the only significant partial predictor (t=-2.380). Instead, a combination of cognitive and behavioral factors, specifically financial knowledge (t=3.352) and access to information (t=3.274), are significantly associated with investment activity, while Model 1 demonstrates the strongest overall fit (F=43.291, R=0.749). The study reveals a notable behavioral gap where responsible daily money management does not necessarily translate into increased investment growth, highlighting income as a critical determinant for market participation. While Generation Z benefits from high digital literacy and easy access to diverse financial products via social media, they often struggle with the "YOLO" (You Only Live Once) mentality, which prioritizes immediate spending over long-term saving and retirement planning. The research offers essential insights for financial institutions and regulators seeking to close the literacy-inclusion gap and empower the forthcoming generation of Indonesian investors.
Co-Authors Aji Fajar Suryo Antoro Dwi Rahmawati Husna Puteri Pertiwi Husna Putri Pertiwi Jasrial Jasrial Jufri Yandes Jufri Yandes Laras Ayu Andini Ridha Azka Raga Rozainun Haji Abdul Aziz