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All Journal Jurnal Reviu Akuntansi dan Keuangan Journal of Business & Banking Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Manajemen Strategi dan Aplikasi Bisnis AKURASI: Jurnal Riset Akuntansi dan Keuangan JURNAL LENTERA BISNIS SULUH: Jurnal Abdimas Jurnal Ekonomi Manajemen Sistem Informasi Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmiah Akuntansi Kesatuan Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ilmu Manajemen Terapan (JIMT) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Lead Journal of Economy and Administration Capacitarea : Jurnal Pengabdian Kepada Masyarakat Jurnal Bisnis dan Manajemen West Science Journal of Social Science and Business Studies INQUISITIVE: International Journal of Eonomic Journal of Information System, Technology and Engineering JIMP: Jurnal Ilmiah Manajemen Pancasila Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Innovative and Creativity Jurnal Penelitian Pendidikan Indonesia jle Greenation International Journal of Tourism and Management Indonesian Journal of Innovation Multidisipliner Research Akurasi Atestasi : Jurnal Ilmiah Akuntansi JCRIM (Journal of Current Research In Multidisciplinary) Bulletin of Social Studies and Community Development Jurnal Manajemen Pendidikan
Tyahya Whisnu Hendratni
Universitas Pancasila
Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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The Nexus Between Rural Bank Performance and Growth of Regional Gross Domestic Product in Depok, West Java Chaerani Nisa; Muhammad Nuruddin Subhan; Tyahya Whisnu Hendratni; Yohana Oentarjo
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2368

Abstract

This research examines the relationship between rural bank performance and regional GDP growth in Depok, West Java. Research data was collected from the Financial Service Authority website and the Central Bureau of Statistics Depok. The collected data covers 25 rural banks in Depok with a time span between the first quarter of 2017 to the first quarter of 2022. The research uses panel data, which is then regressed using a random effect model. The research results show that the Capital Adequacy Ratio and Loan Deposit Ratio have a positive impact on regional GDP growth. These findings show that healthy rural bank conditions will encourage economic growth. Therefore, a good policy atmosphere and supervision are needed to create healthy rural banks.
Digital Technology Adoption, HR Competence, and Competitive Pressure on Strategic Budgeting: The Moderating Effect of Corporate Governance Tyahya Whisnu Hendratni; Ahmad Fikri
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 5 (2026): JIMKES Edisi September 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i5.5605

Abstract

Digital disruption has revolutionized the landscape of the banking industry and demanded that regional banks implement more adaptive, flexible, and long-term-oriented financial strategies. This study aims to analyze the influence of digital technology adoption, digital human resource competence, and competitive pressure on strategic budgeting behavior in regional banks, considering the role of corporate governance as a moderation variable. A quantitative approach was used through a survey of 152 respondents consisting of financial managers, branch heads, and budgeting officials at regional banks operating in the DKI Jakarta and West Java regions. The data were analyzed using PLS-SEM to test the relationships between variables. The results show that the adoption of digital technology, digital human resource competence, and competitive pressures have a positive and significant effect on strategic budgeting behavior, while good corporate governance is proven to strengthen the relationship between independent and dependent variables. These findings confirm that strengthening digital capabilities supported by solid corporate governance is a key factor for regional banks in facing the challenges of digital disruption. This research contributes to the financial management literature through empirical evidence on the determinants of strategic budgeting behavior as well as provides practical implications for bank management in designing sustainable and competitive financial strategies.
The Influence of Financial Literacy, E-Service Quality, and Brand Reputation on Digital Financial Trust Among Wealth Management Platform Users Rio Haribowo; Anton Nurcahyo; Wahyu Inggar Fipiana; Tyahya Whisnu Hendratni; Pande Gde Bagus Naya Primananda; Pemy Christiaan
Lead Journal of Economy and Administration Vol 5 No 1 (2026): Lead Journal of Economy and Administration (LEJEA)
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/lejea.v5i1.493

Abstract

This study aims to examine the effect of financial literacy, e-service quality and brand image on digital financial confidence of wealth management platform customers. Quantitative methods were used. The research method applied is the survey method with the research subject is a user of the wealth management platform in Indonesia. We used purposive sampling to select respondents who have expertise in using these platforms for investing or managing financial assets and portfolios. Data were collected through online surveys using Google Forms and analyzed using multiple linear regression. The results indicate that financial literacy, e-service quality, and brand image have a positive and significant impact on digital financial trust. This makes credibility, honesty, track record and good impression of the platform provider more important for developing user confidence in digital wealth management services. The findings indicate that banks ought to improve the financial literacy of users, enhance the quality of e-services and maintain the brand image over time in an effort to promote trust and develop long term relationships with customers.
The Impact of Fintech on Customer Preferences and Banking Service Choice Decisions Tyahya Whisnu Hendratni; Irma Sari Permata; Mulyadi Mulyadi; Baim Daniel Musyafa; Ismail Jamil; Alifah Andara Putri
Bulletin of Social Studies and Community Development Vol 5, No 3 (2026): Bulletin of Social Studies and Community Development
Publisher : Institute of Multidisciplinary Research and Community Service

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61436/bsscd/v5i3.pp345-361

Abstract

The development of financial technology (fintech) has transformed how people access and use financial services and has become an increasingly important factor in shaping customer preferences and banking service selection decisions. This study analyzes the effect of fintech on customer preferences and banking service selection decisions. This study used a quantitative approach based on a survey of 247 respondents in DKI Jakarta and Central Java. The data were analyzed using descriptive statistics, validity and reliability tests, classical assumption tests, simple linear regression analysis, t-tests, and the coefficient of determination (R²). Cross-tabulation (Crosstab) analysis was also employed to describe the distribution of banking service choices based on respondents’ characteristics. The results indicate that fintech has a positive and significant effect on customer preferences and banking service selection decisions. Convenience, efficiency, security, accessibility, and the perceived benefits of fintech use are key factors shaping individuals’ evaluations and choices of banking services. However, both models' explanatory power remains limited, indicating that factors beyond fintech account for a substantial share of the variation in customer preferences and banking service selection decisions. This study confirms that fintech represents one relevant dimension in individuals’ financial decision-making, but it does not fully explain the complexity of customer preferences and banking service selection decisions. Therefore, future research should consider additional financial, behavioral, service quality, and institutional factors to better understand customer behavior in an increasingly digitalized financial environment. Keywords: Financial technology, Customer preference, Banking choice decision.
Peran Green Attitude dalam Memediasi Pengaruh Green Perceived Value dan Green Trust terhadap Green Purchase Intention pada Konsumen Generasi Z Merek Sustainable Fashion Cottonink Sausan Zahra Mumtazah Rusbiyanto; Tyahya Whisnu Hendratni
Journal of Law and Economics Vol. 5 No. 2 (2026): NOVEMBER
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jle.v5i2.443

Abstract

This study aims to analyze the effects of Green Perceived Value and Green Trust on Green Purchase Intention, with Green Attitude as a mediating variable among Generation Z consumers of Cottonink. The study is theoretically grounded in the Theory of Planned Behavior, the Green Marketing Framework (Ottman), and Sustainability Marketing Theory (Belz & Peattie). A quantitative explanatory approach was employed using an online survey with a 5-point Likert-scale questionnaire. The respondents were Generation Z consumers aged 19–28 who were familiar with or had purchased Cottonink products. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine direct and indirect relationships among the variables. The results show that Green Perceived Value and Green Trust have positive and significant effects on Green Attitude, while Green Attitude has a positive and significant effect on Green Purchase Intention. In contrast, Green Perceived Value and Green Trust do not have significant direct effects on Green Purchase Intention. The mediation analysis shows that Green Attitude significantly mediates the relationships between Green Perceived Value and Green Purchase Intention and between Green Trust and Green Purchase Intention. These findings indicate that positive consumer attitudes play an important role in translating perceived green value and trust into purchase intention toward sustainable fashion products.
Co-Authors Abdul Malik Abdul Razak Munir Adi Soeprapto Adrian Afitza Septia Wardani Afrizal Afrizal Agus Rofi’i Ahmad Ahmad Ahmad Fikri Akhirianto, Pas Mahyu Alifah Andara Putri Alifah Andara Putri Anantadjaya, Samuel PD Andriya Risdwiyanto Andriya Risdwiyanto Andy Ismail Anita Bawaiqki Wandanaya Anton Nurcahyo Ardiyanto Maksimilianus Gai Arif Ismunandar Ariyanti, Rini Astuti, Enny Diah Ateniyanti Ateniyanti Ati Hermawati Atika Dyah Perwita Aulia Keiko Azizah, Widyaningsih Badriah, Badriah Baim Daniel Musyafa Baim Daniel Musyafa Bait, Jennifer Farihatul Bayu Retno Bekti Setiadi Budi Akhmad Tarigan Bunga Aditi Chaerani Nisa Chairul Anwar Cindy Sandra Lumingkewas Cotoro Mukri Dadang Suhardi Dana Aswadi Dana Aswadi Daniel Joseph Benedict Ngamelubun Dasep Supriatna Dede Siti Syamsiah Derriawan Derriawan Dewi Trirahayu Dian Riskarini Dinda Maura Ramadhani Djunaedi Djunaedi Djunaedi Djunaedi Dorothy, Natasha Auriel DW Soemarsono DW Soemarsono DW, Soemarsono Eka Sudarmaji Elisa Khairani Ermalina E Ermalina, Ermalina E Fatimah Azzahrah Fatimah Malini Lubis Fauzie Senoaji Feby Arma Putra Felix Sanggam Nainggolan Fildzah Shabrina Flora Grace Putrianti Flora Grace Putrianti Florida Aryani Florida Aryani Fujianti, Lailah Haidir Syafrullah Hamdany, Mohammad Azharie Hana Salsabila Putri hana Harahap, Subur Haribowo, Rio Haris Karyadi Harsono, Hindradjid Hendratn Hendryadi Hendryadi Henny Angri Manafe Heri Setiyawan Herman Jelatu Ibrahim, Mozart Malik Ikramina Larasati Hazrati Havidz Ilham Arief Ilmi Noor Rahmad Indra Satria Indri Yani, Indri Indriati, Trisnani Irawan, Indra Ade Irdiana, Sukma Irma Sari Permata Ismail Jamil Ismail Jamil Isna Juwita Iwan Henri Kusnadi Jasella Handayani Jefri Putri Nugraha Jefriyanto Jefriyanto Joko Ariawan Josef Hernawan Nudu Josef Hernawan Nudu Judianto Tjahjo Nugroho Judianto Tjahjo Nugroho Julaeha Julinta Paulina Kaleb Josua Parhusip Kurnia Heriansyah Kushariyadi Kushariyadi Kusnadi, Iwan Henri La Juli LAILAH FUJIANTI Laili Savitri Lazuardy Alief Lubis, Alifah Lettiane Virainy Marnilin, Feni Mohammad Azharie Hamdany Mohzana muhamad ibnu farizky Muhamad Risal Tawil Muhammad Ade Kurnia Harahap Muhammad Arsyad Muhammad Hery Santosa Muhammad Nuruddin Subhan Muhammad Nuruddin Subhan Muhammad Zakaria Mulyadi Mulyadi Mulyadi Mulyadi Mulyadi Mulyadi Mulyadi Mundzir Mundzir, Mundzir Mury Andayani Mustafa, Fahrina Mutiara Aulia Nadi, Muhammad Abi Berkah Nadia Rizki Febriyanti Nana Nawasiah Nasruddin Khalil Harahap Nawangwulan, Irma M Nelyumna Rizal Niken Widyastuti Noor, Laili Savitri nurhamdina Oktrivina, Amelia Pas Mahyu Akhirianto Pemy Christiaan Pipit Sundari Prasetya Putra Kusuma Primananda, Pande Gde Bagus Naya Putri Wahyu Novika Retnosari, Dewi Ricky Rizkie Riesna Apramilda Rika Kaniati Rinovian Rais Riyanti, Apriani Robby Tanod Mamusung Roy Setiawan Sabalius Uhai Salim, Brian Sebastian Samuel PD Anantadjaya Santosa, Muhammad Hery Saputra, Naufal Hilmi Sari, Titis Nistia Saripermanik Budayanti Sausan Zahra Mumtazah Rusbiyanto Sekar Jati Ningrum Shabrina, Fildzah Shanti Lysandra Shinta Budi Astuti Shinta Budi Astuti Shinta Budi Astuti Soemarsono DW Sri Purwati Subhan Fathu Alam Sudarmin Parenrengi Sukmarani Supriadi Thalib Susatyo Adhi Pramono, Susatyo Adhi Suyatna, Andini Rahmawati Tanti Widia Nurdiani Thalib, Supriadi Tri Endar Susianto Tri Susilowati Tri Susilowati Trisnani Indriati Violin, Vivid Wahyoeni, Sri Irviati Wahyu Inggar Fipiana Wahyudi, Ade Wahyuningratna, Ratu Nadya Wasi Widayadi Windreis, Christ Wulan, Dewi Putri Anjar Yanuar Latief Yanuar Nurdiansyah, Yanuar Yohana Oentarjo Yohana Oentarjo Yudha Luthfie Ananta Yuliani Istiqomah Yulyastanto, Arya Dwi Aptria