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All Journal JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE)
Pretty Naomi Sitompul
Politeknik Unggulan Cipta Mandiri
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENINGKATAN FINANCIAL BEHAVIOR MELALUI FINANCIAL LITERACY DAN FINANCIAL EXPERIENCE (STUDI PADA PELAKU UMKM DI INDONESIA) Pretty Naomi Sitompul; Ni Luh Putu Suarmi Sri Patni; Sjaiful Munir; Kraugusteeliana Kraugusteeliana; Merita Ayu Indrianti
JURNAL ILMIAH EDUNOMIKA Vol 8, No 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13090

Abstract

Penelitian ini dilatar belakangi oleh pentingnya financial behavior bagi pelaku UMKM untuk mengambil keputusan keuangan secara khusus dan meningkatkan kesejahteraan ekonomi bagi masyarakat secara umum. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh financial literacy dan financial experience terhadap financial behavior. Penelitian ini menggunakan pendekatan kuantitatif. Penelitian ini dilakukan pada pelaku UMKM di Indonesia. Sampel penelitian ini sebanyak 50 pelaku UMKM dengan menyebar kuesioner melalui google form. Data yang terkumpul di analisis menggunakan regresi linier berganda. Hasil penelitian ini menunjukan bahwa 1) financial literacy berpengaruh positif dan signifikan terhadap financial behavior, 2) financial experience berpengaruh positif dan signifikan terhadap financial behavior, dan 3) financial literacy dan financial experience berpengaruh positif dan signifikan terhadap financial behavior. Hasil penelitian ini mengisyaratkan jika pelaku UMKM ingin meningkatkan financial behavior maka pelaku UMKM juga harus meningkatkan financial literacy dan financial experience.
DAMPAK GREEN BANKING TERHADAP REPUTASI BANK DAN KEPERCAYAAN NASABAH Pretty Naomi Sitompul; Fransiska Sirait
JURNAL LENTERA BISNIS Vol. 14 No. 2 (2025): JURNAL LENTERA BISNIS, MEI 2025
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v14i2.1576

Abstract

In recent years, sustainability and environmental preservation have become primary concerns across various sectors, including banking. Green Banking is a banking strategy that incorporates environmentally friendly principles into its operations and policies, such as transaction digitalization, energy efficiency, and financing of sustainable projects. This study aims to analyze the influence of Green Banking on bank reputation and its impact on customer trust. The research applies a quantitative method with a survey approach involving 100 banking customers in Medan City. Data were analyzed using multiple linear regression and Sobel Test for mediation analysis. The findings indicate that Green Banking has a positive and significant effect on both bank reputation and customer trust—directly and indirectly through reputation. Bank reputation significantly mediates the influence of Green Banking on customer trust. These findings emphasize that sustainable banking practices not only enhance institutional image but also strengthen public trust in the banking sector
Co-Authors Fransiska Sirait Kraugusteeliana Kraugusteeliana Merita Ayu Indrianti Ni Luh Putu Suarmi Sri Patni Sjaiful Munir