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All Journal Journal of Economics, Business, & Accountancy Ventura BAKI (Berkala Akuntansi dan Keuangan Indonesia) EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis MPI (Media Pharmaceutica Indonesiana) International Journal of Economics, Business and Accounting Research (IJEBAR) eCo-Buss Ilomata International Journal of Management Enrichment : Journal of Management Edutourism : Journal Of Tourism Reseach UTAMAX : Journal of Ultimate Research and Trends in Education Ijtimaiya : Journal of Social Science and Teaching Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Ilomata International Journal of Management Jurnal Ekonomi Indonesia eCo-Fin JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS AL-MASHALIH (Journal of Islamic Law) Indonesian Capital Market Review Jurnal Keuangan dan Perbankan Journal Business Administration (JBA): Entrepreneurship and Creative Indutry
Helma Malini, Helma
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Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Immunology & microbiology Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Social Sciences Other

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The Causal Relationship Between Deposit Interest Rates, Foreign Exchange Rates and Stock Market Index Shariah Compliance in Indonesia Pre and Post Crisis 2008 Malini, Helma; Suwantono, Edwin
AL-MASHALIH (Journal of Islamic Law) Vol. 5 No. 02 (2024): AL-MASHALIH (Journal of Islamic Law)
Publisher : Sekolah Tinggi Ilmu Syariah Husnul Khotimah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59270/mashalih.v5i02.30

Abstract

The main objectives of this study are to determine the interactions between deposit interest rates, foreign exchange rates and Shariah Compliance stock market index in Indonesia pre and post crisis 2008. The data period before the crisis is October 2000 until November 2008. The data period after the crisis is December 2008 until December 2015. Descriptive analysis method is performed by using analytical table and graphic. Quantitative analysis method is performed by making a regression equation econometric model with time series method to describe the presence or absence of the influence of the independent variable towards the dependant variable. The result showed that during the pre crisis 2008, unidirectional causality existed from Deposit Interest Rates towards Foreign Exchange Rates, Shariah Compliance stock market index towards Deposit Interest Rates, Deposit Interest Rates towards Shariah Compliance stock market index, and Shariah Compliance stock market index towards Foreign Exchange Rates. The result post crisis 2008 showed that unidirectional causality existed from Foreign Exchange Rates towards Deposit Interest Rates, Deposit Interest Rates towards Foreign Exchange Rates, and Shariah compliance stock market index towards Foreign Exchange Rates. It is found that the direction of causality between the three variables tends to demonstrate a hit-and-run behavior and changes according to the lag selection.
IMPACT OF FINANCIAL INNOVATION ON MANAGERIAL PERCEPTIONS ABOUT FINANCIAL PERFORMANCE: EVIDENCE FROM BANKING INDUSTRY Putri, Yuliani Alfiani Villye Adriani; Heriyadi, Heriyadi; Azazi, Anwar; Malini, Helma; Syahputri, Anggraini
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 8, No 1 (2025): JIMB - VOLUME 8 NOMOR 1 MEI 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v8i1.31798

Abstract

Penelitian ini menginvestigasi pengaruh inovasi keuangan terhadap Financial Performance dengan menganalisis perspektif manajer perbankan di Indonesia. Sektor perbankan diantisipasi untuk terus berinovasi untuk meningkatkan Financial Performance di era baru globalisasi dan teknologi. Penelitian ini menguji pengaruh modifikasi proses, produk, kelembagaan, dan keuangan terhadap kinerja manajer perbankan dengan menggunakan data primer sebagai instrumen pengukuran. Metodologi kuantitatif digunakan dalam penelitian ini. Di Indonesia, 137 manajer dan karyawan bank mengisi instrumen kuesioner untuk mendapatkan data primer. Untuk menguji korelasi antara variabel terikat (Financial Performance) dan variabel bebas (proses, produk, kelembagaan, dan inovasi keuangan), analisis statistik dan evaluasi model diimplementasikan dalam software Smart PLS. Hasil studi menunjukkan bahwa Process Innovation dan Institution Inovation secara substansial mempengaruhi Financial Performance, yang diukur dengan persepsi manajerial terhadap keberhasilan keuangan. Sebaliknya, Product Innovation tidak menunjukkan pengaruh yang signifikan. Green Finance menggunakan Financial Innovation yang memiliki dampak menguntungkan pada kinerja ekonomi. Menerapkan green finance bermanfaat bagi Financial Performance, menggarisbawahi pentingnya menggabungkan praktik-praktik keberlanjutan sebagai respons terhadap dinamika pasar saat ini. Sebagai kesimpulan, menurut temuan penelitian ini, bank-bank di Indonesia harus mencoba untuk mengoptimalkan kinerjanya dengan memperbaiki strategi inovasi perusahaan dalam proses dan kelembagaan dan menggabungkan keuangan berkelanjutan. 
Analyzing The Effect of Social Media Influencer on Purchase Intention Through Parasocial Relationships: The Moderation Role of Influencer-Product Congruency Trisnawati, Weni; Malini, Helma; Pebrianti, Wenny; Ramadania, Ramadania; Heriyadi, Heriyadi
eCo-Fin Vol. 7 No. 1 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i1.1795

Abstract

  The rapid expansion of social media platforms has led to continuous transformations in marketing approaches and methodologies. Among contemporary promotional techniques, influencer marketing has emerged as a pioneering strategy. This development necessitates brands and marketing professionals to carefully select appropriate social media personalities. The research examines how influencers' intimate self-disclosure and self-influencer congruence affect consumer purchasing intention, with particular attention to the intermediary function of parasocial relationships and the potential moderating effect of influencer-product congruency. The investigation employed quantitative methodologies, gathering data from 213 survey participants. Research propositions were assessed through partial least squares structural equation modelling (PLS-SEM), utilizing SmartPLS v.4.1 analytical tools. Results indicate parasocial relationships are an intermediary mechanism linking influencers' intimate self-disclosure and self-influencer congruence to purchase intention. However, the findings challenge initial expectations by demonstrating that the correlation between influencer-product congruency does not significantly modify the connection between parasocial relationships and purchase intention. These discoveries aim to contribute fresh perspectives to the understanding of social media personalities' effectiveness in influence-based marketing strategies.
Peran Credit Risk Dalam Hubungan Antara Green Finance dan Profitabilitas Bank di Indonesia Kurniawan, Indra; Malini, Helma; Syahputri, Anggraini
eCo-Fin Vol. 7 No. 2 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i2.2585

Abstract

Dengan credit risk sebagai variabel mediasi, penelitian ini mengkaji dampak green finance terhadap profitabilitas bank di Indonesia.  Data ini diperoleh dari laporan tahunan dan keberlanjutan dua puluh bank dari tahun 2018 hingga 2023. Metode regresi data panel Random Effect Model (REM) digunakan.  Hasil menunjukkan bahwa green finance belum mempengaruhi profitabilitas atau credit risk secara signifikan, tetapi credit risk terbukti berdampak negatif terhadap profitabilitas, menunjukkan bahwa semakin besar credit risk yang ditanggung bank, semakin buruk kinerjanya. Uji mediasi Sobel juga mengindikasikan bahwa risiko kredit tidak memediasi hubungan antara green finance dan profitabilitas. Temuan ini menggambarkan bahwa manfaat green finance mungkin belum terasa secara langsung dalam kinerja keuangan jangka pendek. Meski demikian, arah kebijakan ini tetap penting karena berpotensi membangun reputasi, kepercayaan publik, dan ketahanan jangka panjang. Oleh karena itu, manajemen risiko kredit dan komitmen terhadap keuangan berkelanjutan perlu dijalankan berdampingan demi masa depan perbankan yang lebih bertanggung jawab dan berkelanjutan.
The Effect Of Debt To Equity Ratio, Sales Growth On Profitability With Good Corporate Governance As A Moderating Variable In The Manufacturing Sector Listed On The Indonesian Stock Exchange Lestari, Ega Dwi; Malini, Helma; Wendy, Wendy
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.7662

Abstract

This study aims to examine the effect of Sales Growth and Liquidity on Profitability with Good Corporate Governance as a moderating variable. This form of research is Causal Associative research. The data collection technique in this research is a documentary study. The population in this study were manufacturing sector companies listed on the Indonesia Stock Exchange in the 2019-2023 period as many as 172 companies. Sampling in this study is using purposive sampling technique. The method of analysis in this study with ordinary Least Square (OLS) panel data regression EViews 12. The results of panel data regression analysis and Moderated Regrassion Analysis (MRA) in this study show that the moderating variable Good Corporate Governance (GCG) has an effect on Debt to Equity Ratio, Sales Growth (SG) has a positive effect on profitability. has no significant effect on profitability. Moderated Regression Test Analysis of DER variables can moderate Good Corporate Governance (GCG) has a positive and significant effect on sales growth. Good Corporate Governance cannot moderate liquidity (CR) has a positive and significant effect on profitability.
Exploring The Impact of Mobile Banking Usage on Spending Habits: A Qualitative Study on Financial Overspending Malini, Helma
Jurnal Keuangan dan Perbankan Vol. 21 No. 2 (2025): Jurnal Keuangan Dan Perbankan, Volume 21 No. 2, Juni 2025
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jkp.v21i2.668

Abstract

This study examines the influence of mobile banking on spending habits, focusing on its role in facilitating overspending. Utilizing a qualitative approach with an exploratory case study design, data were collected through in-depth interviews, focus group discussions, and document analysis to explore the interplay between mobile banking features and behavioral tendencies. The findings reveal a dual impact of mobile banking on financial behavior. On the positive side, mobile banking enhances financial awareness and discipline by providing tools such as real-time transaction monitoring, automated savings mechanisms, and budgeting features, enabling users to make informed decisions and maintain better control over their finances. However, the convenience and immediacy of mobile banking also present challenges, particularly the ease of completing transactions, which can encourage impulsive spending and reduce traditional psychological barriers to overspending. These insights highlight the need for targeted strategies to maximize the benefits of mobile banking while mitigating its risks. The study emphasizes the importance of designing responsible financial technologies and educational initiatives to promote disciplined financial behavior. Further research is suggested to explore the long-term effects of mobile banking usage on financial habits, including saving patterns, debt management, and overall financial health, with the goal of fostering a more financially resilient society.
FINANCIAL LITERACY, DEMOGRAPHIC FACTORS, OVERCONFIDENCE, AND INVESTMENT DECISIONS AMONG UNIVERSITY STUDENTS IN INDONESIA'S MAJOR CITIES Malini, Helma
Berkala Akuntansi dan Keuangan Indonesia Vol. 10 No. 1 (2025): Berkala Akuntansi dan Keuangan Indonesia
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/baki.v10i1.66329

Abstract

This study aims to examine the influence of financial literacy, gender, age, income, ethnicity, and semester on overconfidence and investment decisions among university students in three major cities in Indonesia (Jakarta, Bandung, and Surabaya). It also investigates the role of overconfidence as a mediating variable in the relationship between these factors and investment decisions. This research uses a quantitative approach with an associative research design. The population includes all university students in Jakarta, Bandung, and Surabaya who have invested in stocks. A sample of 100 respondents was selected using purposive sampling, with criteria that respondents must be university students (from both public and private universities in these cities) who have not graduated, are listed stock investors in the Indonesia Stock Exchange, are at least 18 years old, and have been investing in the stock market for a minimum of one year. The results show that financial literacy, income, and semester positively influence overconfidence, while gender, age, and ethnicity do not. Financial literacy positively influences investment decisions, whereas gender, age, income, ethnicity, and semester do not. Overconfidence positively influences investment decisions. Financial literacy impacts investment decisions with overconfidence as a mediating variable, while gender, age, income, ethnicity, and semester do not have such an influence through overconfidence
The influence of financial technology and capital adequacy ratio (CAR) on the financial performance of bank Patricia, Vanessa; Daud, Ilzar; Malini, Helma; Wendy; Syahputri, Anggraini
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1695

Abstract

The primary objective of the inquiry is to examine the impact of capital adequacy ratios and financial technology on banks' financial performance. This study utilised Capital Adequacy Ratio and Financial Technology as measured by Mobile Banking as independent variables. In this study, Financial Performance as determined by Return On Assets is the dependent variable, and the mediator variable is bank operational efficiency. The methodology used is a quantitative approach employing multiple regression analysis techniques. This analysis uses data from PT Mandiri Bank from 2018 to 2022. This investigation utilises secondary data as its source of information. Secondary data was extracted from Mandiri Bank's annual financial statements. The impact of mobile banking and capital adequacy ratio on return on assets is negligible and positive, respectively. Meanwhile, the ratio of Operational Costs to Operational Income has no impact on Mobile Banking's effect on ROA. There is no discernible effect of adjusting variable operational costs against operational income on the correlation between the capital adequacy ratio and return on assets
Optimizing stock returns: exploring the effects of profitability, leverage, and dividend policy on inflatio moderation – in-depth study of LQ45 companies Kamesywara, Saskia Farrasdita; Malini, Helma; Pebrianti, Wenny; Mufrihah, Mazayatul; Mustarudin, Mustarudin
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1697

Abstract

Investors primarily rely on the stock’s return as the primary indicator to evaluate the profitability of their investment in a company and how the company's performance affects the value of their investment over time. Investors conduct fundamental analysis and look at macroeconomic factors to obtain high returns before investing in a particular company. The aim of this research is to investigate how profitability, dividend policy, and leverage influence stock returns, and to assess how inflation may moderate this relationship. This study's population consists of twenty corporations listed on the LQ45 stock market index in Indonesia between 2018 and 2022. Multiple linear regression analysis is utilized, with inflation as the moderating variable. The study also includes a literature review on agency theory and the importance of investors obtaining comprehensive information about potential returns and risks before investing in a company. The study's findings can provide valuable insights for investors in analyzing these factors before allocating their investments. They also guide for companies to improve their standards and send positive signals to investors
The influence of transformational leadership and HR practices on employee innovative work behavior through psychological capital as a mediator in MSMEs Asli, Salsabila Hasya; Malini, Helma; Daud, Ilzar; Iman Kalis, Maria Christiana; Fauzan, Rizky
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1702

Abstract

This study examines the potential mediating role that psychological capital in the correlation between employees’ innovative work behavior, HR practices, and transformational leadership. According to this study's hypothesis, workers who experience the influence of transformational leadership and HR practices that use psychological capital as a mediating factor will be more likely to engage in creative work practices. Transformational leadership emphasizes leaders' ability to inspire and drive their followers, foster a workplace environment that promotes innovation. Employee innovation will also be promoted via HR practices about pay structures, professional growth, information exchange, and encouraging supervision. Employees who are proactive in developing and putting new ideas, solutions, and advancements into practice exhibit innovative work behavior. To bolster the developed hypotheses, Structural Equation Modeling (SEM-AMOS) is utilized in this study to investigate link between independent factors, dependent variables, and mediating variables. 234 people responded to the questionnaire used as the data collection method. The study's findings indicate that innovative work practices and employees' psychological capital are positively and significantly impacted by transformational leadership and HR practices. Psychological capital mediates HR Practices and employee innovative work behavior. Psychological capital does not exhibit a mediating role between innovative work behavior among employees and transformational leadership.
Co-Authors Ahmad Shalahuddin, Ahmad Ana Fitriana Anwar Azazi Arifin Firdaus Arman Jaya Asli, Salsabila Hasya Barkah Barkah, Barkah Daud, Ilzar Deviana, Deviana Endang Wahyu Fitriani, Endang Wahyu Erna Listiana Fauzan, Rizky Giriati Handika, Yella Harry Setiawan Heriyadi, Heriyadi Indra Kurniawan Isfahan, Saif Raafi'in Jais, Mohammad Kamesywara, Saskia Farrasdita Lestari, Ega Dwi Levina, Widya M. Irfani Hendri Maria Christiana Iman Kalis, Maria Christiana Maria Magdalena Mazayatul Mufrihah B11212091 Mohamad Jais, Mohamad Muhammad Afif Mustarudin, Mustarudin Mustika, Uray Ndaru Oprilyani, Adhinda Dwi Patricia, Vanessa Putri, Yuliani Alfiani Villye Adriani Ramadania Ramadania, Ramadania Rosita, Vestiana S, Dewi Winarni. Sulistiowati Sulistiowati Suwantono, Edwin Syahbandi Syahputri, Anggraini Triamanda, Deni Trisnawati, Weni Vemas, Vinsensius Wendy Wendy Wenny Pebrianti Widyaningrum, Belinda Putri wijaya, dwi nova Yulianingsih, Tanti Yuspita, Agata