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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Manajemen Magister Darmajaya Jurnal Manajemen dan Kewirausahaan (JMDK) IJEBD (International Journal Of Entrepreneurship And Business Development) TIJAB (The International Journal of Applied Business) Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat MABIS: Manajemen dan Bisnis Value: Jurnal Manajemen dan Akuntansi International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Enterprise and Development (JED) Ilomata International Journal of Tax and Accounting Dinasti International Journal of Digital Business Management Journal of Management - Small and Medium Enterprises (SME's) Journal of Education and Teaching Learning International Journal of Business, Economics, and Social Development Indonesian Journal of Business Analytics (IJBA) Jurnal Publika Pengabdian Masyarakat Jurnal Inspirasi Binsis dan Manajemen Journal Research of Social Science, Economics, and Management Majapahit Journal of Islamic Finance dan Management Pena Nursing Majapahit Journal of Islamic Finance dan Management Danadyaksa: Post Modern Economy Journal Asian Journal of Management, Entrepreneurship and Social Science Jurnal Pintar Pengabdian dan Pemberdayaan Masyarakat
Mardiyani
Univeristas Swadaya Gunung Jati
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Factors Influencing Mortgage Decision Making: Financial Inclusion as Mediation Variable Albiansyah Margana Putra; Ikka Nabila; Mardiyani Mardiyani
TIJAB (The International Journal of Applied Business) Vol. 9 No. 2 (2025): NOVEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/tijab.v9.I2.2025.71102

Abstract

Background: Indonesia is a developing country with low social welfare. Its small per capita income level, high consumptive spending, and high property prices make decent housing difficult, which is an important factor in our research. Objective: This research aimed to comprehensively examine the factors that affect Mortgage Decision-Making among people in Cirebon Regency. Method: Data was collected on the community in Cirebon City through a survey using a Google Form distributed to respondents online and offline. A causal associative method was implemented for this research, with a sample of 190 respondents chosen from purposive sampling, with the criteria of having previously taken out or planning to take out a Home Ownership Credit. SEM-PLS version 3.0 was utilized for data analysis. Results: The research findings revealed that Financial Literacy does not significantly influence Mortgage decision-making, while Financial Planning does. The other findings indicated that Financial Inclusion cannot mediate the relationship between Financial Literacy and Financial Planning on Mortgage Decision-Making. Conclusion: Financial inclusion is an indicator of financial literacy and financial planning. It can be proven that other factors, such as social factors, community psychology, and community confidence, must be improved in reaching a mortgage credit decision. The role of the government is also very important in this case; providing learning about financial literacy is one alternative to increasing public awareness. Keywords: Financial Literacy; Financial Planning, Financial Inclusion, Mortgage Decisions, Home Ownership Credit
What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust Riri Alifah Fakriah; Mohammad Dheo Alfhito; Mardiyani
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025): January - April
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12863

Abstract

Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable.Method: Data were collected in Cirebon City through a survey conducted via Google Forms, distributed both online and offline. A total of 180 respondents participated in the study. The sampling technique employed was purposive sampling, targeting individuals who currently use or have used digital payments. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The study's findings indicate that both perceived ease of use and perceived security significantly influence user trust. Additionally, these factors also have a notable impact on the adoption of digital payments. User trust effectively mediates the relationship between perceived security and digital payment adoption.Practical Implications for Economic Growth and Development: This study highlight the importance for service providers to streamline digital transaction processes, enhance security measures, and offer transparent education on data protection to foster greater adoption of digital payments. The rise in digital payment usage not only enhances financial literacy but also promotes financial inclusion within society. This research offers valuable insights for the financial industry and regulators in developing policies that can bolster public trust in digital payment systems, ultimately contributing to a more advanced, inclusive, and sustainable digital economy in Indonesia.
The Effect of Profitability and Capital Structure on Firm Value with Dividend Policy as an Intervening Variable Friska Dwi; Mardiyani
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.1085

Abstract

This study aims to examine the effect of profitability and capital structure on firm value with dividend policy as an intervening variable in food and beverage manufacturing companies listed on the Indonesia Stock Exchange during the 2022–2024 period. This study employed a quantitative approach with a causal associative design. Secondary data were obtained from the companies' annual financial statements, and the samples were selected using purposive sampling based on predetermined criteria. Data analysis was conducted using path analysis with the assistance of LISREL 8.8 software. The findings indicate that profitability has no significant effect on dividend policy, whereas capital structure has a significant effect on dividend policy. Profitability and capital structure significantly affect firm value, while dividend policy does not significantly affect firm value. In addition, dividend policy is unable to mediate the effect of profitability on firm value, but it is capable of mediating the effect of capital structure on firm value. These findings suggest that firm value in the food and beverage manufacturing subsector is more strongly influenced by the company's ability to generate profits and manage its capital structure optimally than by its dividend policy. Therefore, dividend policy tends to function as a mechanism that transmits the effect of capital structure on firm value rather than as a factor that directly enhances firm value.
The Effect of Profitability and Capital Structure on Firm Value with Dividend Policy as an Intervening Variable Friska Dwi; Mardiyani
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.1085

Abstract

This study aims to examine the effect of profitability and capital structure on firm value with dividend policy as an intervening variable in food and beverage manufacturing companies listed on the Indonesia Stock Exchange during the 2022–2024 period. This study employed a quantitative approach with a causal associative design. Secondary data were obtained from the companies' annual financial statements, and the samples were selected using purposive sampling based on predetermined criteria. Data analysis was conducted using path analysis with the assistance of LISREL 8.8 software. The findings indicate that profitability has no significant effect on dividend policy, whereas capital structure has a significant effect on dividend policy. Profitability and capital structure significantly affect firm value, while dividend policy does not significantly affect firm value. In addition, dividend policy is unable to mediate the effect of profitability on firm value, but it is capable of mediating the effect of capital structure on firm value. These findings suggest that firm value in the food and beverage manufacturing subsector is more strongly influenced by the company's ability to generate profits and manage its capital structure optimally than by its dividend policy. Therefore, dividend policy tends to function as a mechanism that transmits the effect of capital structure on firm value rather than as a factor that directly enhances firm value.
Analysis Determination of Firm Value: Corporate Governance Perception Index as Moderating Variable Mardiyani Mardiyani; Sinta Lestari; Rian Febriansyah; Egi Arvian Firmansyah
TIJAB (The International Journal of Applied Business) Vol. 8 No. 2 (2024): NOVEMBER 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/tijab.v8.I2.2024.55008

Abstract

Background: The firm value is a crucial metric that accurately represents financial performance. Various elements influence the worth of a company inside the framework of a constantly changing worldwide market. These factors are crucial for managers, investors, and stakeholders. Establishing public trust is a crucial factor in enabling success. In 1998, Indonesia faced a monetary crisis triggered by inadequate implementation of corporate governance. Having a CGPI as a business controller enhances the comprehension of the many aspects that impact the value of a firm. Implementing GCG is an essential strategy for continually enhancing the value of a business. Objective: This research examines how the CGPI acts as a moderator, influencing the impact of profitability, dividend policy, and earnings management on firm value. Methods: This study applies a quantitative approach using purposive sampling. The object of research is companies listed on the CGPI, with data sources from the IDX and the results of the IICG assessment from 2017-2021. Methods of data analysis using Moderate Regression Analyze (MRA) with SPSS 29. Results: The research results demonstrate how businesses inform investors and lend credibility to signalling. This suggests that characteristics that influence a firm's value might be used as indicators to make decisions regarding investments. Moreover, the utilization of CGPI indicates improved financial results, suggesting efficient and clear earnings management. The CGPI effectively prevents managers from engaging in opportunistic earnings management. Conclusion: Various factors, including profitability, dividend policy, and earnings management, impact a business's value. Establishing the CGPI is essential to encouraging sustainable growth in corporate valuation.   Keywords: Dividend Policy; Profitability; Earnings Management; Firm Value.
Unveiling the NIM Pathway: How LDR and Efficiency Shape Bank Profitability Gita Imelda Farel; Mardiyani; Agustina
Indonesian Journal of Business Analytics Vol. 6 No. 4 (2026): August 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v6i4.16777

Abstract

This study examines the effects of LDR and operational efficiency on bank profitability, with NIM as the mediating variable. A quantitative associative-causal approach via path analysis (LISREL 10.20) was applied to 38 conventional banks listed on the IDX from 2022 to 2024, selected through purposive sampling. Results show LDR does not have a significant positive effect on profitability, while operational efficiency has a significant negative effect. NIM positively affects profitability; LDR positively affects NIM; operational efficiency negatively affects NIM. NIM serves as a positive mediator between LDR and profitability, and a negative mediator between operational efficiency and profitability, making it the primary mechanism linking intermediation and cost control to bank profit performance. Banks are therefore recommended to maximize interest margins.
Co-Authors Acep Komara Acep Komara Ade Nurohmah Adella, Resso Panji Agi Syarif Hidayat Agustina Agustina Agustina Albiansyah Margana Putra Aliyah Fadhilah Alya Nurlaella Sugianto Aminah, Mina Siti Anggi Anggraeni Apriliyana, Lisa Audah, Taufan Aulia Mawarni Benny Dhevyanto Budhiarto, Ahmad Rizal Cicilia Ester Novita Herawati Bunga Egi Arvian Firmansyah Erpina, Evi Erwin Budianto Friska Dwi Gita Imelda Farel Ida Setya Wahyu Atmaja Ikka Nabila Ismu Lisara Kartono Kartono Lilis Setiawati Luky Afriliyana Lyla Petra Salsabila Maiyaliza Maiyaliza Maiyaliza Maiyaliza Maiyaliza, Maiyaliza Mohammad Dheo Alfhito Niken Amelia Nindya Kartika Triwardhanie Nurhana Dhea Pramudya, Muhammad Dwika Putri, Uus Meilia Ratu Berlianni Fachira K Rian Febriansyah Riri Alifah Fakriah Rismaya, Rismaya RR. Ella Evrita Hestiandari Samrotus Sa’adah Putri Auliatul Jannah Selfiya Shidiq Baddruzzaman Shindi Hapsari Sinta Lestari Siska Ernawati Fatimah Siti Mariah Virdausy Sopiani, Lia Sugianto, Alya Nurlaella Suryani, Devi Syifa Auliana Wulandari Ullum, Miftahul Wicaksono, Fajrin Witri Hastuti