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Anggraini Syahputri
Universitas Tanjungpura
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Peran Financial Self-Efficacy dalam Hubungan antara Pendapatan, Literasi Keuangan, dan Perilaku Keuangan Mahasiswa di Indonesia Deviana Deviana; Helma Malini; Anggraini Syahputri
eCo-Buss Vol. 8 No. 1 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v8i1.2604

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan dan literasi keuangan pada perilaku keuangan pribadi mahasiswa di Indonesia, dengan financial self-efficacy sebagai variabel mediasi. Latar belakang penelitian ini didasari oleh fenomena meningkatnya penggunaan layanan pinjaman online (pinjol) di kalangan mahasiswa, yang mengindikasikan adanya tantangan dalam pengelolaan keuangan pribadi serta kurangnya pemahaman finansial yang memadai. Dalam era digital dan kemudahan akses terhadap produk keuangan, kemampuan mahasiswa dalam mengelola keuangan secara bijak menjadi semakin krusial. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui survei online terhadap 206 mahasiswa aktif dari berbagai perguruan tinggi di Indonesia. Data yang diperoleh dianalisis menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa pendapatan dan literasi keuangan memiliki pengaruh positif dan signifikan terhadap perilaku keuangan pribadi mahasiswa. Selain itu, financial self-efficacy terbukti secara signifikan memediasi hubungan antara kedua variabel independen tersebut dengan perilaku keuangan. Temuan ini menekankan pentingnya rasa percaya diri dalam pengambilan keputusan keuangan sebagai faktor kunci dalam menciptakan perilaku keuangan yang sehat. Implikasi dari penelitian ini mengarah pada perlunya pengembangan program literasi keuangan berbasis psikologis yang tidak hanya menekankan pada pengetahuan, tetapi juga pada aspek afektif, serta pentingnya regulasi dan kebijakan perlindungan konsumen fintech bagi generasi muda.
Pengaruh Modal Intelektual, Ukuran Perusahaan, dan Leverage terhadap Nilai Perusahaan: Profitabilitas sebagai Mediasi pada Perusahaan LQ45 (2019–2023) Syafiah Syafiah; Anwar Azazi; Anggraini Syahputri; Uray Ndaru Mustika
eCo-Buss Vol. 8 No. 2 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v8i2.2612

Abstract

The fluctuation of company value (reflected in stock prices) amidst fierce business competition and the importance of strategic adaptation in the digital era. This study aims to analyse the extent to which Intellectual Capital, Firm Size, and Leverage influence Firm Value with Profitability as a mediator. The sample consists of 28 LQ45 companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023, resulting in 119 panel data observations after outlier treatment. The analysis, conducted with rigorous methodology, utilizes multiple linear regression and path analysis (SPSS 27). The findings reveal that intellectual capital positively influences Profitability, while firm size and leverage significantly adversely affect Profitability. Intellectual capital and firm size significantly negatively impact firm value, while leverage does not considerably affect firm value. Profitability plays a crucial role in enhancing firm value and effectively mediates the relationships between the three independent variables and firm value. The research implications highlight challenges in communicating or realizing the full value of these intangible assets in the market, as well as indicating that large scale and the utilization of leverage do not always guarantee superior financial performance.
Peran Credit Risk Dalam Hubungan Antara Green Finance dan Profitabilitas Bank di Indonesia Indra Kurniawan; Helma Malini; Anggraini Syahputri
eCo-Fin Vol. 7 No. 2 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i2.2585

Abstract

Dengan credit risk sebagai variabel mediasi, penelitian ini mengkaji dampak green finance terhadap profitabilitas bank di Indonesia.  Data ini diperoleh dari laporan tahunan dan keberlanjutan dua puluh bank dari tahun 2018 hingga 2023. Metode regresi data panel Random Effect Model (REM) digunakan.  Hasil menunjukkan bahwa green finance belum mempengaruhi profitabilitas atau credit risk secara signifikan, tetapi credit risk terbukti berdampak negatif terhadap profitabilitas, menunjukkan bahwa semakin besar credit risk yang ditanggung bank, semakin buruk kinerjanya. Uji mediasi Sobel juga mengindikasikan bahwa risiko kredit tidak memediasi hubungan antara green finance dan profitabilitas. Temuan ini menggambarkan bahwa manfaat green finance mungkin belum terasa secara langsung dalam kinerja keuangan jangka pendek. Meski demikian, arah kebijakan ini tetap penting karena berpotensi membangun reputasi, kepercayaan publik, dan ketahanan jangka panjang. Oleh karena itu, manajemen risiko kredit dan komitmen terhadap keuangan berkelanjutan perlu dijalankan berdampingan demi masa depan perbankan yang lebih bertanggung jawab dan berkelanjutan.
Peran Moderasi Profitabilitas dalam Pengaruh CSR dan GCG terhadap Nilai Perusahaan pada Perusahaan Tambang di Indonesia Deni Triamanda; Helma Malini; Uray Ndaru Mustika; Anggraini Syahputri
eCo-Fin Vol. 7 No. 3 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i3.2594

Abstract

This study examines the effect of Corporate Social Responsibility (CSR) and Good Corporate Governance (GCG) on firm value, with Return on Assets (ROA) as a moderating variable. The research was conducted on mining sector companies listed on the Indonesia Stock Exchange during the 2019–2023 period, using purposive sampling techniques with a total of 120 observations (firm-year). Data analysis was performed using panel data regression with the Random Effect Model approach and interaction testing through Moderated Regression Analysis (MRA). The results show that CSR and GCG have no significant effect on firm value (proxied by Price to Book Value/PBV). Meanwhile, ROA has a negative and significant effect on firm value. In addition, the interactions of CSR_ROA and GCG_ROA are also not significant, indicating that profitability does not moderate the relationship between CSR and GCG on firm value. These findings indicate that in the mining sector, profitability, CSR, and GCG are not yet strong indicators influencing investor perception. Profitability without a clear earnings utilization strategy can reduce market confidence, and CSR or GCG implementation that is merely formal does not enhance firm value.
Financial Literacy as a Moderator of the Effects of Fintech Payment, Income, and Hedonic Lifestyle on Impulse Buying among Generation Z Priskila Panjaitan; Anwar Azazi; Ana Fitriana; M. Ridwan Ristyawan; Anggraini Syahputri
Journal of Educational Management Research Vol. 5 No. 2 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i2.2014

Abstract

This study aims to examine the influence of fintech payment usage, income, and hedonic lifestyle on impulse buying behavior among Generation Z, as well as to analyze the moderating role of financial literacy in these relationships. A quantitative approach was employed using a cross-sectional survey design. The sample consisted of 280 respondents selected using the Slovin formula. Data were collected through questionnaires and analyzed using moderated regression analysis with SmartPLS version 4.1.1.6. The results indicate that fintech payment usage, income, and hedonic lifestyle have positive and significant effects on impulse buying behavior. Financial literacy significantly weakens the relationship between hedonic lifestyle and impulse buying. However, it does not significantly moderate the effects of fintech payment usage and income on impulse buying. These findings imply that improving financial literacy can serve as a strategic mechanism to reduce the negative impact of a hedonic lifestyle on impulsive purchasing decisions. The study contributes to the literature on consumer behavior by highlighting the protective role of financial literacy in the digital financial ecosystem and provides practical insights for policymakers and financial educators in designing interventions to promote responsible consumption among young consumers.
Macroeconomic and Firm-Level Determinants of Bank Stock Returns: The Role of Interest Rates, Inflation, Profitability, and Firm Size Steven Adelia; Anggraini Syahputri; Harry Setiawan; Giriati; M. Ridwan Ristyawan
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2021

Abstract

This research examines the influence of the BI Rate, inflation, profitability (ROA), and firm size on banking stock returns. The analysis applies a quantitative approach using panel data regression with the Common Effect Model (CEM). The sample consists of 39 banking companies selected through purposive sampling, with observations covering the 2021–2024 period. Secondary data were analyzed using EViews 12 to evaluate the relationship between macroeconomic indicators and firm characteristics on stock returns. The results show that the BI Rate and inflation have a negative and significant effect on stock returns, while firm size has a positive and significant effect. In contrast, profitability (ROA) does not have a significant effect on banking stock returns. Simultaneously, all independent variables significantly influence stock returns, indicating that both macroeconomic conditions and firm characteristics jointly shape investor responses in the capital market. These findings imply that interest rate policy and inflation dynamics are important macroeconomic signals that influence investor behavior, while firm size reflects stability that can attract investment interest. Therefore, investors should consider macroeconomic trends and company scale when making investment decisions, while bank management needs to strengthen financial credibility and transparency to improve market confidence.
The Effect of Green Finance and Corporate Social Responsibility on Profitability with Capital Adequacy Ratio as A Moderating Variable Evi Safitri; Helma Malini; Ana Fitriana; Wendy; Anggraini Syahputri
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2039

Abstract

This study aims to analyze the effect of green finance and corporate social responsibility (CSR) on profitability and to examine the moderating role of the capital adequacy ratio (CAR). This research employs a quantitative approach using panel data regression analysis. The data used are secondary data obtained from the annual financial reports of banking companies over a five-year observation period. The sample consists of 16 banking companies with a total of 80 observations. The analytical model applied in this study is the Common Effect Model (CEM). The results show that green finance has a positive and significant effect on profitability, indicating that sustainable financial practices can enhance financial performance. In contrast, CSR does not have a significant effect on profitability. Furthermore, the moderation analysis reveals that CAR strengthens the relationship between green finance and profitability but does not moderate the relationship between CSR and profitability. These findings imply that the implementation of green finance plays an important role in improving banking profitability, particularly when supported by adequate capital strength. This study contributes to the development of the sustainable finance literature and provides insights for financial institutions in formulating strategic financial policies.
Co-Authors Ana Fitriana Anwar Azazi Deni Triamanda Deviana Deviana Evi Safitri Giriati Harry Setiawan Helma Malini Indra Kurniawan M. Ridwan Ristyawan Priskila Panjaitan Steven Adelia Syafiah Syafiah Uray Ndaru Mustika Wendy