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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Cakrawala Repositori Imwi Journal of Economics, Entrepreneurship, Management Business and Accounting
Ratih Kusumawardhani
Universitas Sarjanawiyata Tamansiswa, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

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Analysis of the Effect of Capital Structure, Dividend Policy, and Liquidity on Firm Value (Study on Building Construction Sub-Sector Companies Listed on the IDX in 2017-2019) Listed on the IDX in 2017-2019) Yosepan Selly; Gendro Wiyono; Ratih Kusumawardhani
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 1 (2024): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i1.5248

Abstract

This study aims to obtain empirical evidence of the effect of capital structure, dividend policy, and liquidity partially on firm value in building construction sub-sector companies listed on the IDX in 2015-2019. This type of research is descriptive quantitative. The population in this study were building construction sub-sector companies listed on the Indonesia Stock Exchange (IDX) during the 2015-2019 period totaling 18 companies. While the sample in this study were some of the building construction sub-sector companies listed on the Indonesia Stock Exchange (IDX) during the 2015-2019 period that met the research criteria. The sample selection was carried out using purposive sampling method, which is a sampling method tailored to certain criteria. The type of data used in this study is secondary data. The data source used in this study comes from the financial statements of building construction sub-sector companies on the idx.co.id website. The data analysis technique uses linear regression. Based on the results of data analysis, the following conclusions are obtained: (1) Partially, the capital structure variable has a positive and significant effect on firm value; (2) Partially, the dividend policy variable has a positive and significant effect on firm value; and (3) Partially, the liquidity variable has a positive and significant effect on firm value.
Lifestyle Mediates University Students' Consumption Behavior: Financial Literacy and Peer Groups Silmi Nur Aminah; Ratih Kusumawardhani; Pristin Prima Sari
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1151

Abstract

Purpose – This research examines how financial literacy and peer groups shape university students' consumption behavior, with lifestyle positioned as the mediating variable. The study is motivated by the widespread pattern of consumptive habits among students, a condition driven by limited financial understanding coupled with intense social pressure to keep pace with current trends. Design/methodology/approach – A quantitative design was applied using purposive sampling. Responses were gathered from 100 students enrolled in the 2022 and 2023 cohorts at Universitas Sarjanawiyata Tamansiswa (UST), Yogyakarta. Data were processed through the Partial Least Squares (PLS) technique with the help of SmartPLS software. Finding/Results – The analysis reveals that financial literacy exerts a significant negative effect on students' consumption behavior, whereas peer groups and lifestyle both contribute significant positive effects. Lifestyle is further found to significantly mediate the relationships between financial literacy, peer groups, and students' consumption behavior. Originality/Value – This study's central finding confirms that lifestyle functions as an essential bridge linking internal factors (financial literacy) and external factors (peers) to consumption decisions. Practically, this implies that strengthening financial literacy alongside cultivating a prudent lifestyle is essential for students seeking to curb excessive spending and secure long-term financial stability.
The Influence of Digital Financial Literacy, Financial Self-Efficacy, and Financial Experience on The Interest in Using Pay-Later Fintech Payment Services Among Students in Yogyakarta Ardha Gunung Maenaka; Ratih Kusumawardhani; Risal Rinofah
Cakrawala Repositori IMWI 328-344
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v8i6.824

Abstract

The development of digital technology has encouraged the emergence of technology-based financial services, one of which is fintech pay-later services. While offering convenience and flexibility, the adoption of these services is not only influenced by technological factors, but also by individual factors such as digital financial literacy, self-efficacy in managing finances, and financial experience. However, there remains a research gap regarding which individual factors most dominantly influence students' interest in using pay-later services, particularly in the Indonesian context where fintech adoption is rapidly growing but consumer protection mechanisms are still developing. This study aims to analyze the influence of Digital Financial Literacy (DFL), Financial Self-Efficacy (FSE), and Financial Experience (FE) on the interest in using fintech payment pay-later in students in Yogyakarta. This study uses a quantitative method with a descriptive approach. The research sample amounted to 100 students who were selected using the purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression analysis. The results showed that simultaneously, the three independent variables had a significant effect on the interest in using pay-later. However, partially, only financial self-efficacy has a positive and significant effect. Meanwhile, digital financial literacy and financial experience have no significant effect on interest. These findings indicate that students' self-confidence in managing finances is more dominant in influencing their decision to use pay-later services compared to their financial knowledge and experience.
Co-Authors Ardha Gunung Maenaka Gendro Wiyono Pristin Prima Sari Risal Rinofah Silmi Nur Aminah Yosepan Selly