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All Journal JURNAL LENTERA AKUNTANSI Majalah Ilmiah Inspiratif Jurnal Pengabdian Bukit Pengharapan Jurnal Bisnis Kreatif dan Inovatif Jurnal Ekonomi, Akuntansi dan Perpajakan Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Strategi Bisnis Teknologi Jurnal Pemimpin Bisnis Inovatif Jurnal Transformasi Bisnis Digital
Patricia Dhiana Paramita
Universitas Pandanaran
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Pengaruh CAR, BOPO, dan NOM terhadap ROA dengan NPF sebagai Variabel Moderasi : Studi pada Bank Umum Syariah Tahun 2019-2025 Nadiya Aulia Putri; Patricia Dhiana Paramita; Cicik Harini
Jurnal Strategi Bisnis Teknologi Vol. 3 No. 3 (2026): Agustus: Jurnal Strategi Bisnis Teknologi (JUSBIT)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jusbit.v3i3.1680

Abstract

This study is motivated by the positive trend observed in the Return on Assets (ROA) of Sharia Commercial Banks between 2019 and 2025. While macroeconomic shocks are typically followed by a decline in profitability, Sharia Commercial Banks demonstrated positive performance. The primary objective of this study is to analyze the impact of the Capital Adequacy Ratio (CAR), the ratio of Operating Expenses to Operating Income (BOPO), and the Net Operating Margin (NOM) on ROA, and examining the role of Non-Performing Financing (NPF) in moderating these relationships. The study population consists of Sharia Commercial Banks in Indonesia; a purposive sampling method was employed to select nine banks as the subjects of the study for the 2019–2025 observation period. Data analysis was conducted using Multiple Linear Regression and Moderated Regression Analysis (MRA) via SPSS software. The results indicate that, individually, CAR and BOPO have a significant negative effect on ROA, whereas NOM has a significant positive effect on ROA.The moderation analysis reveals that NPF significantly moderates the relationships by weakening the impact of the independent variables on ROA. The study's findings underscore the importance of financing risk management to ensure that operational efficiency and capital adequacy optimally boost banking financial performance.
Pengaruh Return on Asset, Cash Flow dan Net Working Capital terhadap Cash Holding Dimoderasi Firm Size di Sektor Peralatan Rumah Tangga Nilam Sari; Azis Fathoni; Patricia Dhiana Paramita
Jurnal Strategi Bisnis Teknologi Vol. 3 No. 3 (2026): Agustus: Jurnal Strategi Bisnis Teknologi (JUSBIT)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jusbit.v3i3.1683

Abstract

Cash is the most liquid asset and plays an important role in supporting a company's operational activities. Optimal cash management is necessary to maintain liquidity without reducing the efficiency of working capital utilization. This study aims to analyze the effect of Return on Assets (ROA), Cash Flow (CF), and Net Working Capital (NWC) on Cash Holding, with Firm Size as a moderating variable in cosmetic and household products sub-sector companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period.This study employs a quantitative approach with a descriptive-verificative research design. The data used are secondary data obtained from the companies’ annual finan-cial statements. Data analysis was conducted using multiple linear regression and Mod-erated Regression Analysis (MRA) to examine the effects of the independent variables on Cash Holding and the moderating role of Firm Size.The results indicate that return on assets (roa) has no significant effect on cash hold-ing. Meanwhile, cash flow and net working capital have a positive and significant effect on cash holding. Firm size is unable to moderate the effect of return on assets on cash holding. However, firm size weakens the positive effect of cash flow on cash holding and strengthens the positive effect of net working capital on cash holding. These findings suggest that company size plays an important role in determining the relationship be-tween financial factors and corporate Cash Holding policies.
Pengaruh Literasi Keuangan, Pengelolaan Keuangan dan Penggunaan Uang Elektronik terhadap Perilaku Konsumtif dengan Pengendalian Diri Sebagai Variabel Intervening Ninda Rahmawati; Patricia Dhiana Paramita; Heru Sri Wulan
Jurnal Pemimpin Bisnis Inovatif Vol. 4 No. 3 (2026): Juli : Jurnal Pemimpin Bisnis Inovatif
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpbi.v4i3.1686

Abstract

This study aims to analyze the effects of financial literacy, financial management, and electronic money usage on consumptive behavior, with self-control as an intervening variable among Management Study Program students at Universitas Pandanaran from the 2022–2025 cohorts. The population consisted of 708 students, while the sample comprised 88 respondents determined using the Slovin formula and a proportionate stratified random sampling technique. Data were collected through questionnaires and analyzed using validity, reliability, classical assumption, multiple linear regression, t-test, coefficient of determination (R²), and path analysis with the assistance of SPSS. The results indicate that financial literacy, financial management, and electronic money usage have positive and significant effects on self-control. Furthermore, financial literacy, financial management, electronic money usage, and self-control have positive and significant effects on consumptive behavior. Self-control also significantly mediates the effects of financial literacy, financial management, and electronic money usage on consumptive behavior. Therefore, all research hypotheses are accepted. The study recommends that students improve their financial literacy and financial management skills, use electronic money responsibly, and strengthen self-control to reduce consumptive behavior. Future researchers are encouraged to include additional variables and broader research objects to obtain more comprehensive findings.
Pengaruh Pengetahuan Keuangan, Toleransi Risiko dan Pengaruh Sosial terhadap Minat Investasi Obligasi dengan Gender Sebagai Variabel Moderating Nurkholis Majid; Patricia Dhiana Paramita; Azis Fathoni
Jurnal Pemimpin Bisnis Inovatif Vol. 4 No. 3 (2026): Juli : Jurnal Pemimpin Bisnis Inovatif
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpbi.v4i3.1689

Abstract

This research aims to analyze the influence of financial knowledge, risk tolerance, and social influence on bond investment interest, with gender as a moderating variable, among productive-age workers in Semarang. A quantitative approach was employed using questionnaire data collected from 100 respondents aged 25–49 years. The data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, partial hypothesis testing (t-test), and Moderated Regression Analysis (MRA). The findings reveal that financial knowledge, risk tolerance, and social influence each have a positive and significant effect on bond investment interest. Furthermore, the moderating analysis indicates that gender weakens the effects of financial knowledge and risk tolerance on bond investment interest but strengthens the effect of social influence. These findings suggest that both individual financial capabilities and external social factors contribute to bond investment interest among productive-age workers. Gender also affects the strength of the relationships between the independent variables and bond investment interest, indicating its role as a moderating factor.
Co-Authors Annisa Maharani Arditya Dian Andika Asfaraningrum Pahlawanita Fajri Azis Fathoni Cicik Harini Daniel Kartika Adhi Daniel Kartika Adhi Dyah Ika Kirana Jalantina Eva Dwi Riyanti Heru Sri Wulan Izza Nisa’ul Afi Leonardo Budi Hasiholan Lidwina Tri Kristina Zebua Luthfi Alifah Nadiya Aulia Putri Nilam Sari Ninda Rahmawati Nurkholik Nurkholik Nurkholis Majid Onnei Isti Cigareta Rohma Niyyen Sauca Ananda Pranidana