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All Journal Journal of Management and Bussines (JOMB) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JER Journal of Ekonomics, Finance, and Management Studies
Linda Ayu Oktoriza
Fakultas Ekonomi Dan Bisnis, Universitas Dian Nuswantoro, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Dampak Teknologi Inovatif, Word of Mouth dan Motivasi Hedonis terhadap Pemakaian Shoppe Paylater Fitria Yoga Hestiningtyas; Linda Ayu Oktoriza
Journal of Management and Bussines (JOMB) Vol 6 No 3 (2024): Journal of Management and Bussines (JOMB)
Publisher : IPM2KPE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/jomb.v6i3.8421

Abstract

This research aims to analyze the influence of innovative technology, word of mouth, and hedonic motivation on people's use of Shopee Paylater in 2023. The research method uses a short study approach with primary data collection. The research results show that innovative technology does not significantly influence users' interest in using the PayLater feature in the Shopee application. However, word of mouth has a significant influence, showing that positive recommendations from other people can influence perceptions of Shopee Paylater. Apart from that, hedonic motivation also has a significant effect, indicating that enjoyment in using Shopee PayLater is an important factor in user interest in the service. In conclusion, this research provides important insights for the future development of digital financial services, by considering the factors that influence user adoption. Keywords: Hedonic, Word of Mouth, Shoppe Paylater, Innovative Technology
Peran PT BPRS Artha Mas Abadi Melalui Edukasi untuk Mendukung Peningkatan Literasi dan Inklusi Keuangan Syariah di Kabupaten Pati Muhammad Ataka Fadhli; Linda Ayu Oktoriza; Lenni Yovita; Maria Safitri
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 12 (2025): COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v4i12.3110

Abstract

Literasi keuangan Syariah di Indonesia masih kurang, khususnya di daerah pedesaan seperti Kabupaten Pati, di mana kesalahpahaman tentang perbankan Syariah dan ketergantungan pada rentenir masih tinggi. Program edukasi PT BPRS Artha Mas Abadi dirancang untuk mengatasi masalah ini. Menilai efektivitas program edukasi akad Syariah PT BPRS Artha Mas Abadi dalam peningkatan literasi serta inklusi keuangan di Pati, serta mengidentifikasi tantangan dan dampak jangka panjang. Pendekatan kualitatif deskriptif dengan wawancara mendalam pada pemangku direktur bank, masyarakat serta analisis data sekunder (laporan program, literatur). Analisis data mengacu pada model tematik. Program meningkatkan pemahaman masyarakat tentang akad Syariah (e.g., murabahah, musyarakah), kepercayaan pada produk keuangan Syariah, dan mengurangi ketergantungan pada rentenir. Tantangan meliputi akses ATM terbatas dan resistensi dari kelompok tertentu. Studi menekankan pentingnya edukasi berkelanjutan, inovasi digital (e.g., fintech), dan dukungan kebijakan untuk memperluas inklusi keuangan. Temuan dapat menjadi acuan untuk program serupa di daerah tertinggal.
Peran Overconfidence Dalam Memediasi Pengaruh Bias Perilaku Terhadap Keputusan Investasi Gen Z Di Kota Semarang Fajar Rizkina Rorensia; Fakhmi Zakaria; Dian Prawitasari; Linda Ayu Oktoriza
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2267

Abstract

Peningkatan jumlah investor muda di Indonesia, terutama Generasi Z, tidak selalu diiringi oleh peningkatan kualitas keputusan investasi yang rasional, mengingat besarnya pengaruh faktor psikologis. Penelitian ini bertujuan untuk menelaah pengaruh bias perilaku terhadap keputusan investasi Generasi Z di Kota Semarang, dengan overconfidence berperan sebagai variabel mediasi. Pendekatan penelitian yang digunakan bersifat kuantitatif eksplanatori, dengan metode survei terhadap 112 investor Generasi Z berusia 17–27 tahun yang dipilih menggunakan purposive sampling. Data dianalisis melalui Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS). Hasil analisis mengungkapkan bahwa bias perilaku memberikan pengaruh positif yang signifikan terhadap overconfidence (β = 0,748; p < 0,001), sementara overconfidence memiliki pengaruh negatif yang signifikan terhadap keputusan investasi (β = −0,437; p < 0,001). Selain itu, bias perilaku juga menunjukkan pengaruh negatif yang signifikan terhadap keputusan investasi (β = −0,401; p < 0,001). Lebih lanjut, overconfidence terbukti memediasi pengaruh bias perilaku terhadap keputusan investasi secara signifikan (β = −0,327; p < 0,001). Temuan ini menegaskan bahwa keputusan investasi Gen Z cenderung dipengaruhi oleh bias kognitif dan keyakinan berlebihan, sehingga pendekatan keuangan perilaku menjadi kerangka yang relevan dalam memahami perilaku investor muda di Indonesia
Pengaruh Financial Literacy, Self-Control, dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan Pribadi pada Penggemar Musik Hindia Kota Semarang Nabilla Oktafiana Putri; Linda Ayu Oktoriza; Suhita Whini Setyahuni; Rudi Kurniawan
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (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 | DOI: 10.47467/elmal.v7i3.11296

Abstract

The purpose of this study is to determine how Indian music fans in Semarang manage their personal finances, taking into account their knowledge, self-control, and perspectives on finance.. This research was conducted using a quantitative method through an online survey of 160 respondents who met the criteria. Measurement models and structural models were tested to analyze the data using SmartPLS. The results of the study indicate that the three independent variables have a positive and significant influence on how individuals manage their finances. The highest f2 value (0.241) and the highest T-statistic value (5.862) indicate that financial attitude is the dominant factor among the three variables. Approximately 56.6% of the differences in financial management behavior can be attributed to the research model, while the remaining variables outside the model influence it. The results show that young people who frequently attend concerts and entertainment activities have more conscious financial behavior, especially those with good financial knowledge, self-control, and a positive attitude toward finance. This study recommends community-based financial education to help music fans manage their expenses better.
Dampak Implementasi Tata Kelola Teknologi Informasi (IT Governanace) Terhadap Return on Asset (ROA) Indra Yudha Mailana; Linda Ayu Oktoriza; Maria Safitri; Vicky Oktavia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (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 | DOI: 10.47467/elmal.v7i5.11952

Abstract

Given technological developments and globalization, effective IT governance has become crucial in supporting corporate objectives. This study analyzes the impact of IT governance implementation on financial performance, as measured by Return on Assets (ROA), in industrial companies listed on the Indonesia Stock Exchange. This study examines the relationship between the elements of IT governance, namely Board IT Governance Processes (BITGP), Board IT Governance Structure (BITGS), and Board IT Governance Relational (BITGR) with Return on Assets (ROA). The results show that these three elements have a positive and significant effect on Return on Assets (ROA), indicating that good IT governance can improve operational performance and create added value for companies. These results support agency theory and emphasize the importance of effective communication between management and stakeholders. This study recommends that companies strengthen their IT governance structures and processes in order to adapt to the digital era and innovate, thereby improving their competitiveness and long-term financial.
Dampak Implementasi Tata Kelola Teknologi Informasi (IT Governanace) Terhadap Return on Asset (ROA) Indra Yudha Mailana; Linda Ayu Oktoriza; Maria Safitri; Vicky Oktavia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (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 | DOI: 10.47467/elmal.v7i5.11952

Abstract

Given technological developments and globalization, effective IT governance has become crucial in supporting corporate objectives. This study analyzes the impact of IT governance implementation on financial performance, as measured by Return on Assets (ROA), in industrial companies listed on the Indonesia Stock Exchange. This study examines the relationship between the elements of IT governance, namely Board IT Governance Processes (BITGP), Board IT Governance Structure (BITGS), and Board IT Governance Relational (BITGR) with Return on Assets (ROA). The results show that these three elements have a positive and significant effect on Return on Assets (ROA), indicating that good IT governance can improve operational performance and create added value for companies. These results support agency theory and emphasize the importance of effective communication between management and stakeholders. This study recommends that companies strengthen their IT governance structures and processes in order to adapt to the digital era and innovate, thereby improving their competitiveness and long-term financial.
Co-Authors Dian Prawitasari Fajar Rizkina Rorensia Fakhmi Zakaria Fitria Yoga Hestiningtyas Indra Yudha Mailana Lenni Yovita Maria Safitri Muhammad Ataka Fadhli Nabilla Oktafiana Putri Rudi Kurniawan Suhita Whini Setyahuni Vicky Oktavia