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This Author published in this journals
All Journal Jurnal Ilmiah Manajemen dan Bisnis International Journal of Economics Development Research (IJEDR)
Ni Wayan Novi Budiasni
Sekolah Tinggi Ilmu Ekonomi Satya Dharma, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Effect of Financial Technology and Environmental Performance on Financial Performance with Corporate Social Responsibility as Intervening Variables Ni Wayan Novi Budiasni; Kadek Indrayani; Zainol Mustafa
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 2 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v4i3.2675

Abstract

This study aims to determine the effect of financial technology and environmental performance on financial performance, with corporate social responsibility as an intervening variable. The population in this study are banking companies listed on the Indonesia Stock Exchange in 2018-2022. The technique used to take samples in this study is purposive sampling. The number of samples in this study was 10 companies. This study’s data type is secondary timer series data with 5 years of observation. The research data was analyzed using SEM-PLS with the assistance of the SmartPLS version 3 application. Financial technology and environmental performance do not affect financial performance, financial technology does not affect CSR, environmental performance has a positive and significant effect on CSR, CSR has a positive and significant effect on financial performance, CSR does not mediate the effect of financial technology on financial performance, and CSR mediates the effect of environmental performance on the financial performance of banking companies listed on the Indonesia Stock Exchange (IDX) for 2018-2022.
Financial Management Behaviour of MSMEs in Buleleng Regency - The Mediating Role of Financial Self Efficacy Ni Made Sri Ayuni; Ni Nyoman Juli Nuryani; Made Dwi Ferayani; Ni Wayan Novi Budiasni; Sebastian Herman; Alexandra Maria Pires
Jurnal Ilmiah Manajemen & Bisnis Vol 11 No 1 (2026)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/jimb.v11i1.7650

Abstract

This study examines the influence of financial literacy, financial inclusion, and financial attitude on the financial management behavior of MSMEs in Buleleng Regency, with financial self-efficacy serving as a mediating variable. A quantitative research design was applied using survey data collected from 100 MSME owners through structured questionnaires. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Despite the relatively limited sample size for a model involving multiple latent constructs and hypotheses, the application of bootstrapping in SEM-PLS provided stable and reliable parameter estimates. The findings reveal that financial literacy and financial attitude significantly improve financial management behavior. Financial inclusion was not found to have a direct influence on financial management behavior; however, it significantly enhances financial self-efficacy. In addition, financial self-efficacy has a positive and significant effect on financial management behavior and mediates the relationships between financial literacy, financial inclusion, financial attitude, and financial management behavior. These results indicate that psychological confidence plays a crucial role in translating financial knowledge, financial access, and financial attitudes into effective financial practices among MSME actors. The study implies that MSME empowerment programs should integrate financial education, inclusion initiatives, and confidence-building strategies such as mentoring and practical financial training. However, this study is limited by the relatively small sample size and its focus on MSMEs within a single regional context, which may restrict the broader generalizability of the findings.
Co-Authors Alexandra Maria Pires Made Dwi Ferayani Ni Made Sri Ayuni Ni Nyoman Juli Nuryani Ni Wayan Novi Budiasni . Sebastian Herman Zainol Mustafa