Garuda - Garba Rujukan Digital

Ariati Anomsari

Program Studi Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Dian Nuswantoro

Author-ID : 6706756

Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Public Health Social Sciences Other

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Faktor Faktor yang Mempengaruhi Gen Z di Universitas Dian Nuswantoro dalam Penggunaan Pinjaman Online Klarisa Widiana Pratiwi; Ariati Anomsari; Dwi Eko Waluyo; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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The development of financial technology has driven the increasing use of online loans among Generation Z, who are adaptable to technology and have a digital lifestyle. This study aims to analyze the influence of perceived ease of use, lifestyle, and trust on the interest in using online loans among students at Dian Nuswantoro University. The approach used was quantitative with a purposive sampling technique on respondents aged 18–26 who had used online loans in the past six months. Data were collected through a Likert-scale questionnaire and analyzed using PLS-SEM assisted by SmartPLS. The results showed that all variables had a positive and significant effect on interest in use, with lifestyle being the most dominant factor, followed by trust and perceived ease of use. These findings indicate that Generation Z's interest is driven not only by technical aspects, but also by lifestyle and confidence in the security of services. Therefore, increasing financial literacy is needed to make the use of online loans more prudent.

Faktor Faktor yang Mempengaruhi Gen Z di Universitas Dian Nuswantoro dalam Penggunaan Pinjaman Online Klarisa Widiana Pratiwi; Ariati Anomsari; Dwi Eko Waluyo; Fakhmi Zakaria
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

The development of financial technology has driven the increasing use of online loans among Generation Z, who are adaptable to technology and have a digital lifestyle. This study aims to analyze the influence of perceived ease of use, lifestyle, and trust on the interest in using online loans among students at Dian Nuswantoro University. The approach used was quantitative with a purposive sampling technique on respondents aged 18–26 who had used online loans in the past six months. Data were collected through a Likert-scale questionnaire and analyzed using PLS-SEM assisted by SmartPLS. The results showed that all variables had a positive and significant effect on interest in use, with lifestyle being the most dominant factor, followed by trust and perceived ease of use. These findings indicate that Generation Z's interest is driven not only by technical aspects, but also by lifestyle and confidence in the security of services. Therefore, increasing financial literacy is needed to make the use of online loans more prudent.

ANALISIS PROFITABILITAS, LIKUIDITAS DAN UKURAN PERUSAHAAN TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN SUBSEKTOR KONSTRUKSI DAN BANGUNAN DI BEI PERIODE 2020–2024 Ayu Isna Fauziah; Linda Ayu Oktoriza; Ariati Anomsari; Almira Santi Samasta
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 1 (2026): Edisi Januari - April 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i1.7248

The study aims to examine how profitability, liquidity, and company size affect the value of companies in the construction and building sub-sector listed on the Indonesia Stock Exchange (IDX) for 2020–2024. The role of company value is very important because it reflects investors' perceptions of the company's performance and prospects. An explanatory quantitative approach was used, supplemented by secondary data, particularly annual financial reports. Profitability is measured using ROE, liquidity using CR, company size using the natural logarithm of total assets, and company value using PBV. Panel data regression with EViews is used for data analysis. The results show that profitability has a significant negative effect on company value, liquidity has a significant positive effect, while company size has a significant negative effect. This means that an increase in profit or company size does not necessarily lead to an increase in company value, while good liquidity management actually increases investor confidence. Overall, all three have a significant effect on company value. Therefore, management is advised to pay attention to operational efficiency and liquidity management, as well as to assess company size strategically. Investors are advised to pay attention to liquidity as a crucial benchmark for making investment decisions. This research contributes empirically to the literature on financial management and the construction sector.

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