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Financial Fitness For Young Professionals: From Savings To Investment Siti Zulaikhah; Hiro Sejati; Dede Supian
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.10583

This study investigates the financial behaviors and literacy of young professionals at CIMB Niaga Bank, focusing on savings, investment practices, financial fitness, and financial literacy. A sample of 90 customers was selected using random sampling techniques. Data was collected through structured questionnaires and analyzed using Structural Equation Modeling (SEM) with Smart PLS software. The results indicate significant direct effects, with savings habits influencing both financial fitness and financial literacy. However, investment practices did not significantly mediate the relationship between investment and financial literacy. These findings underscore the importance of savings behaviors for long-term financial well-being and knowledge acquisition. The study suggests avenues for CIMB Niaga to enhance its support for customers' financial education and well-being, such as integrating savings-focused financial education initiatives and personalized investment guidance. Overall, this research provides insights into the financial behaviors and literacy of young professionals, offering implications for financial institutions and policymakers aiming to promote financial well-being among this demographic.

Analysis of Firm Value Using Financial Ratios and Board of Directors Characteristics Through the Tobin's Q Method Anindia Hadiyati Utami; Erna Listyaningsih; Hiro Sejati
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

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This study aims to analyze the effect of Return on Assets (ROA), Firm Size, Leverage, Board Size, and Board Independence on firm value, as proxied by Tobin's Q, in energy sector companies listed on the Indonesia Stock Exchange during the 2022–2024 period. The research sample was selected using a purposive sampling method and included energy sector companies that consistently published complete financial reports during the study period. The data used were secondary, while the analytical technique applied included panel data regression, with the best model selected using the Chow, Hausman, and Lagrange Multiplier tests. The results showed that Return on Assets had a positive and significant effect on firm value, Firm Size had a negative and significant effect on firm value, while Leverage, Board Size, and Board Independence had no significant effect on firm value. Simultaneously, all independent variables significantly influenced firm value, indicating that a combination of financial performance factors and corporate governance characteristics play a role in determining the value of energy sector companies.

The Effect of Working Capital Ratio, Accounts Receivable Duration, and Solvency Ratio on the Financial Performance of Healthcare Companies with Inflation as a Moderating Variable resa selfana; Lestari Wuryanti; Hiro Sejati
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/ijmea.v4i2.719

This study aims to examine and analyze the effect of Working Capital Ratio, Accounts Receivable Duration, and Solvency Ratio on the Financial Performance of Healthcare Companies with Inflation as a Moderating Variable. The approach used is quantitative, the population of this study is healthcare sector companies listed on the Indonesia Stock Exchange for the period 2021-2023, the sampling technique uses purposive sampling technique with a total sample of 14 companies. Hypothesis testing is conducted using panel data analysis and MRA. The results of the analysis indicate that the Solvency Ratio (DER) has a negative and significant effect on Financial Performance, Inflation moderates the relationship between the Solvency Ratio and Financial Performance significantly in a positive direction, Working Capital Ratio, Accounts Receivable Duration and Solvency Ratio simultaneously have a significant effect on Financial Performance, Working Capital Ratio (CR) does not have a significant effect on Financial Performance, Accounts Receivable Duration (DSO) does not have a significant effect on Financial Performance, Inflation does not moderate the relationship between Working Capital Ratio and Financial Performance, Inflation does not moderate the relationship between Accounts Receivable Duration and Financial Performance.

The Effect of Digital Literacy, Product Innovation, Business Resilience, and Entrepreneurial Orientation on the Sustainability of Culinary MSMEs in the Kemiling Area, Bandar Lampung Ahmad Munir; Rahyono; Hiro Sejati
International Journal of Management, Economic and Accounting Vol. 4 No. 2 (2026): April 2026
Publisher : Yayasan Multidimensi Kreatif

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This study aims to empirically examine the partial and simultaneous effects of digital literacy, product innovation, business resilience, and entrepreneurial orientation on the sustainability of culinary Micro, Small, and Medium Enterprises (MSMEs) in the Kemiling Area, Bandar Lampung. Grounded in the Resource-Based View (RBV) theory, this research employs a quantitative approach with a descriptive and associative survey design. Primary data were collected through Likert-scale questionnaires distributed to 109 valid respondents who are culinary MSME owners, and the data were subsequently analyzed using multiple linear regression. The findings reveal that digital literacy and product innovation do not have a significant partial effect on MSME sustainability, indicating that current technological and creative practices are still applied at a basic operational level rather than as strategic long-term drivers. In contrast, business resilience and entrepreneurial orientation exert a positive and significant partial impact, proving to be critical pillars for operational stability and adaptability in dynamic markets. Simultaneously, all four variables significantly influence MSME sustainability, accounting for 66.3% of the variance. The study concludes that while resilience and a proactive entrepreneurial mindset are dominant survival factors, culinary MSMEs must elevate their digital and innovative capabilities to achieve long-term sustainable growth and competitive advantage.

The influence of creativity, service quality, brand image, and online promotion (TikTok) on the sustainability of sales across all branches of Kiyo Café in Bandar Lampung. Feni Lestari; Rahyono; Hiro Sejati
International Journal of Management, Economic and Accounting Vol. 4 No. 3 (2026): June 2026
Publisher : Yayasan Multidimensi Kreatif

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The rapid growth of the cafe industry in Bandar Lampung has created intense market competition, requiring business actors to have long-term strategies to maintain business sustainability. This study aims to analyze the influence of creativity, service quality, brand image, and TikTok online promotion on sales sustainability across all branches of Café Kiyo Bandar Lampung. Using a quantitative approach, data were collected via questionnaires from 97 respondents determined by the Lemeshow formula. The data were analyzed using multiple linear regression through SPSS 23 software. The results showed that partially, creativity, service quality, brand image, and TikTok promotion had a positive and significant effect on sales sustainability. Simultaneously, these four variables had a significant influence on sales sustainability with a coefficient of determination (Adjusted R-Square) value of 61.5%. These findings confirm that the synergy between product innovation, responsive service, a strong brand reputation, and effective social media utilization are key factors in maintaining sales stability amidst modern market dynamics.

The Role of Financial Literacy, Financial Inclusion, and Financial Management in Supporting the Sustainability of MSMEs Using QRIS in Kemiling Permai, Bandar Lampung Ayu Rista; Erna Listyaningsih; Hiro Sejati
International Journal of Management, Economic and Accounting Vol. 4 No. 3 (2026): June 2026
Publisher : Yayasan Multidimensi Kreatif

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This study aims to empirically analyze the individual and simultaneous effects of financial literacy, financial inclusion, and financial management on the sustainability of Micro, Small, and Medium Enterprises (MSMEs) using QRIS in Kemiling Permai, Bandar Lampung. This study employs a quantitative methodology with an explanatory research design. The sampling technique utilized was purposive sampling, resulting in a sample of 95 MSME respondents. Data was collected through a 5-point Likert scale questionnaire and analyzed using multiple linear regression. The partial test results indicate that financial literacy does not have a positive and significant effect on MSME sustainability. Conversely, financial inclusion and financial management have a positive and significant effect on MSME sustainability. Simultaneously, financial literacy, financial inclusion, and financial management have a significant effect on the sustainability of MSMEs using QRIS, collectively explaining 30.6% of the variance. The study concludes that MSME sustainability is driven more by the practical ability of business actors to access digital financial services and manage finances effectively than by theoretical financial knowledge alone.

The Influence of Professional Recommendation, Brand Image, and Price Perception on Purchase Intention of Scarlett Whitening Products Among Generation Z in Bandar Lampung City Azzahra Nur Yesika; Erna Listyaningsih; Hiro Sejati
International Journal of Management, Economic and Accounting Vol. 4 No. 3 (2026): June 2026
Publisher : Yayasan Multidimensi Kreatif

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This study aims to examine the influence of professional recommendation, brand image, and price perception on the purchase intention of Scarlett Whitening products among Generation Z in Bandar Lampung City. The research utilizes a quantitative approach with a survey method. The population consists of undergraduate medical students from Universitas Lampung and Universitas Malahayati, with a sample of 315 respondents selected through purposive sampling. Data were collected via questionnaires using a Likert scale and analyzed using multiple linear regression assisted by SPSS software. The results indicate that professional recommendation and brand image partially have a positive and significant effect on purchase intention. Conversely, price perception exhibits a significant negative effect, indicating that higher perceived prices lead to lower purchase intention. Simultaneously, professional recommendation, brand image, and price perception significantly influence the purchase intention of Scarlett Whitening products. These three independent variables collectively explain 59.1% of the variance in purchase intention, while the remaining 40.9% is influenced by other external factors not examined in this study.

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