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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Journal of Economics, Business, & Accountancy Ventura BAKI (Berkala Akuntansi dan Keuangan Indonesia) MPI (Media Pharmaceutica Indonesiana) Jurnal Ilmu Manajemen (JIMMU) Journal Of Management Science (JMAS) Jurnal Doktor Manajemen (JDM) International Journal of Economics, Business and Accounting Research (IJEBAR) 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 Keluwih: Jurnal Sosial dan Humaniora Ilomata International Journal of Management Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Ekonomi Indonesia Prima Abdika: Jurnal Pengabdian Masyarakat Jurnal Ekonomi AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) ACE : Accounting Research Journal Gesture: Jurnal Seni Tari JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS AL-MASHALIH (Journal of Islamic Law) Indonesian Capital Market Review Jurnal Keuangan dan Perbankan Capacitarea : Jurnal Pengabdian Kepada Masyarakat JOURNAL OF HEALTH MANAGEMENT RESEARCH Journal Business Administration (JBA): Entrepreneurship and Creative Indutry Economic: Journal Economic and Business Krisnadwipayana International Journal of Management Studies
Helma Malini, Helma
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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.
The influence of social media marketing, brand image, and influencer endorsement towards purchase decisions of skintific skincare products on tiktok shop with trust as the mediator (study on generation Z consumers) Levina, Widya; Malini, Helma; Pebrianti, Wenny; Hendri, M. Irfani; Jaya, Arman
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.v13i5.1713

Abstract

Marketing through social media in recent years has been very widely used, ranging from skincare, fashion, and others, all the items we are looking for are very easy to find on social media with very broad access to e-commerce platforms. This study aims to determine the effect of social media marketing variables in selling skincare skintific products, then the brand image of skincare skintific products, and also the influence of Tasya Farasya's influencer endorsement in marketing these products through Tiktok with the Tiktok Shop feature, with the trust variable as an intervening variable. This study involved 263 people from various regions in Indonesia who were collected online using purposive sampling techniques through online questionnaires. The population of this study is Gen Z aged 17-25 years. The test tool to see the relationship between the independent variables and the dependent variable uses Structural Equation Modeling (SEM) with AMOS 24. The results of this study indicate that social media marketing, brand image, and influencer endorsement have a positive and significant effect on purchasing decisions. Trust has a positive and significant effect on purchasing decisions and significantly mediates social media marketing, brand image, and influencer endorsement on purchasing decisions.
The influence of service quality and perceived risk on repurchase intention with customer satisfaction as mediation Arifin Firdaus; Malini, Helma; Afifah, Nur; Azazi, Anwar; Fitriana, Ana
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.v13i5.1747

Abstract

Nowadays, with rapid technological advances, street food is not just ordinary food sold on the side of the road but has also become the identity of a country. Unfortunately, many business actors pay little attention to the services' quality and the risks involved in their products. This paper aims to identify the influence of service quality and perceived risk variables and their impact on repurchase intention, with customer satisfaction as a mediating variable. The survey was conducted online at locations in Indonesia with 200 respondents. The research results show that Service Quality positively affects Repurchase Intention. Perceived has a negative effect on Repurchase Intention. Customer Satisfaction is proven to mediate the Service Quality and Perceived Risk variables on Repurchase Intention. This offers fresh perspectives for marketing plans that highlight the value of service quality while considering customers' perceived risks to draw domestic and foreign customers to food merchants and establish a new culture.
The effect of work environment and emotional intelligence on affective commitment on millennial generation with job satisfaction as mediating variable S, Dewi Winarni.; Malini, Helma; Daud, Ilzar; Shalahuddin, Ahmad; Sulistiowati, Sulistiowati
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.v13i5.1748

Abstract

This study aims to analyze the influence of the work environment and emotional intelligence on affective commitment and job satisfaction as mediating variables among millennial employees in medium to large-scale industries in West Kalimantan. The study utilizes a descriptive quantitative research design with a sample of 200 millennial employees who participated in the survey via questionnaire. The sampling technique utilized the purposive sampling method, targeting employees working in the industrial sector in West Kalimantan, encompassing both contract and permanent employees from various divisions. A five-point Likert scale of 1 (Strongly disagree) to 5 (Strongly agree) was employed for data collection. In this study, the use of statistical software for measurement and analysis was conducted using Structural Equation Modelling (SEM) using AMOS 24. The findings indicate that the work environment and emotional intelligence positively and significantly impact job satisfaction. Additionally, both job satisfaction and the work environment positively and significantly impact affective commitment. Nevertheless, affective commitment is not significantly impacted by emotional intelligence.
A MEDIATING TRUST: HOW EASE OF USE AND SERVICE FEATURES INFLUENCE TRANSACTIONAL INTEREST ON THE MYBCA MOBILE APP Malini, Helma; Aldora Sianturi, Yosia
Jurnal Ilmu Manajemen (JIMMU) Vol. 10 No. 2 (2025): Jurnal Ilmu Manajemen (JIMMU)
Publisher : Magister Manajemen Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jimmu.v10i2.23129

Abstract

The rapid evolution of financial technology has positioned the MyBCA mobile application as a central tool for daily transactions in Indonesia. However, despite its widespread adoption, challenges related to usability, service features, and overall reliability can still impact user trust and subsequently their interest in transacting. This study addresses a crucial gap by empirically investigating the complex relationships among ease of use, service features, trust, and users' transaction interest within the context of the MyBCA mobile application. Specifically, it aims to determine the extent to which ease of use and service features influence transaction interest, and whether trust acts as a mediating variable in these relationships. This research employed a quantitative causal-associative approach, collecting data from a sample of 150 MyBCA Mobile app users in Indonesia through an online questionnaire using a purposive sampling method. The collected data were analyzed using Structural Equation Modeling (SEM) with SmartPLS 4.0. The empirical findings reveal nuanced relationships between the constructs. Ease of use was found to have a significant direct positive effect on transaction interest. However, its effect on trust was not significant, suggesting that basic usability is a customer expectation rather than a trust builder. Conversely, service features significantly affect trust but have an insignificant direct effect on transaction interest, implying that features build confidence, but not necessarily immediate action. Importantly, trust has a significant positive effect on users' interest in transacting. Ultimately, the study found a full mediation effect for both relationships, confirming that trust significantly mediates the influence of both ease of use and service features on transaction interest. This novel perspective suggests that while usability and features are essential, their full potential in driving transactional behavior is realized only through the establishment of trust. The conclusion is that digital banks must integrate intuitive design with robust, reliable features and strong security to foster the trust critical for sustained user engagement.
When Celebrity CEOs Undermine Sustainability Value: Evidence from Indonesian Firms Wijaya, Dwi Nova; Wendy, Wendy; Malini, Helma
Journal of Economics, Business, and Accountancy Ventura Vol. 27 No. 2 (2024): August - November 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v27i2.4302

Abstract

This research investigates the moderating effect of celebrity CEOs on the relationship between corporate sustainability and firm value. A quantitative approach was utilized, analyzing data from 51 companies listed on the Indonesia Stock Exchange from 2014 to 2021 using regression analysis. While prior studies have explored the individual effects of either celebrity CEOs or corporate sustainability on firm value, this study addresses a gap by examining the interaction between these factors and its impact on firm value. The results reveal that although both the presence of a celebrity CEO and the implementation of corporate sustainability initiatives can enhance firm value, they do not necessarily create a beneficial synergy. In fact, the presence of a celebrity CEO may diminish the positive effects of corporate sustainability on firm value. These findings provide empirical evidence suggesting that companies should carefully assess the alignment between a CEO’s characteristics and the firm’s sustainability strategies to optimize value creation. The study underscores the importance of selecting a CEO whose attributes align with the company’s long-term sustainability objectives. These insights have practical implications for corporate management in making strategic decisions regarding CEO appointments and the execution of sustainability initiatives.
Co-Authors Ahmad Shalahuddin, Ahmad Aisah Aisah Aldora Sianturi, Yosia Alfanny, Nabila Alifia Ana Fitriana Andini, Novia Anwar Azazi Apriani, Dwi Anggi Arifin Firdaus Arman Jaya Asli, Salsabila Hasya Asy Syifa, Alifiya Adhiya Barkah Barkah, Barkah Daud, Iizar Daud, Ilzar Dody Pratama Marumpe Endang Kristiawati, Endang Endang Wahyu Fitriani, Endang Wahyu Erna Listiana Fauzan, Rizky Giriati Giriati, Giriati Handika, Yella Harry Setiawan Heriyadi, Heriyadi Hermansyah, David Irfani, Muhammad Isfahan, Saif Raafi'in Jais, Mohammad Kamesywara, Saskia Farrasdita Karsim, Karsim Khairunnisa Khairunnisa Lestari, Nuraini Levina, Widya M. Irfani Hendri Maharani, Puspita Maria Christiana Iman Kalis, Maria Christiana Maria Magdalena Mazayatul Mufrihah B11212091 Mohamad Jais, Mohamad Muhammad Afif Mustaruddin Mustarudin, Mustarudin Mustika, Uray Ndaru Nazhifa, Nisya Niswatun Hasanah Oprilyani, Adhinda Dwi Patricia, Vanessa Purmono, Bintoro Bagus Putri, Yuliani Alfiani Villye Adriani Ramadania Ramadania, Ramadania Riakbar, Bima Rivaldo, Rino Rosita, Vestiana Rustam Rustam S, Dewi Winarni. Sakliana, Annisa Dipa Seinna, Yufita Efie Siti Nurhaliza Sulistiowati Sulistiowati Sumarno, Tino Suwantono, Edwin Syahbandi Syahputri, Anggraini Theliya, Theliya Tri Wiyono Kurnianto Triani, Sandrina Marsha Vemas, Vinsensius Wendy Wendy Wenny Pebrianti wijaya, dwi nova Yulia, Putri Meyke Yulianingsih, Tanti Yulianty Yulianty Yuspita, Agata Zhafirah, Nony Ulya’ Sari