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<![CDATA[Peran e banking dan fee-based income Terhadap kinerja keuangan perbankan bumn Yang terdaftar di bursa efek indonesia (bei) PERIODE 2019-2023 ]]>
<![CDATA[Istiqomah, Luthfiyyah]]>;
<![CDATA[Oktavia, Vicky]]>;
<![CDATA[Safitri, Maria]]>;
<![CDATA[Setyahuni, Suhita Whini]]>
<![CDATA[ Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 2 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025) ]]>
Publisher : <![CDATA[Lembaga Intelektual Muda (LIM) Maluku ]]>
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DOI: 10.54373/ifijeb.v5i2.2848
<![CDATA[Tujuan dari penelitian ini adalah untuk mengidentifikasi peran e-banking (seperti internet banking dan mobile banking) serta fee based income dalam memberi pengaruh kinerja keuangan bank BUMN yang terdaftar di Bursa Efek Indonesia selama periode 2019 hingga 2023. Penerapan teknologi adalah salah satu aspek yang bisa memberi pengaruh kepada kinerja keuangan perbankan. Penerapan teknologi di sektor perbankan sangat penting, karena kebutuhan akan informasi yang cepat saat ini mendorong bank untuk mengembangkan teknologi yang bisa memperbaiki kinerja perbankan itu sendiri. Penelitian ini menggunakan pendekatan kausal untuk mengevaluasi keterkaitan dan dampak antara dua atau lebih variabel. Variabel dalam penelitian ini meliputi internet banking, mobile banking, dan fee based income menjadi variabel bebas, sementara return on assets menjadi variabel terikat. Sampel penelitian sebanyak empat bank. Data sekunder yang telah terkumpul diolah menggunakan Eviews 12 dengan analisis regresi berganda dari data panel di empat bank BUMN. Secara bersamaan, temuan penelitian mengungkapkan bahwa ketiga variabel independent secara signifikan mempengaruhi kinerja keuangan bank]]>
<![CDATA[Role of Brand Awareness And Brand Image On Customer Loyalty Through Customer Satisfaction As A Mediating Variable on 3 Second On The Shopee Marketplace ]]>
<![CDATA[Saputra, Mochamad Adi]]>;
<![CDATA[Anomsari, Ariati]]>;
<![CDATA[Purwatiningsih, Aris Puji]]>;
<![CDATA[Safitri, Maria]]>
<![CDATA[ BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025) ]]>
Publisher : <![CDATA[Perkumpulan Dosen Muda (PDM) Bengkulu ]]>
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DOI: 10.37638/bima.6.1.291-306
<![CDATA[Purpose: This study aims to examine the effect of brand awareness, brand awareness and brand image on customer loyalty, with customer satisfaction as a mediating variable on 3Second clothing products in the Shopee marketplace. Methodology: A quantitative approach is used using a questionnaire as the main data collection tool. The research sample was 105 consumers who had purchased 3Second hirt products on Shopee, which were dominated in Semarang City. Results: The path coefficient hypothesis test shows a direct effect between the independent variables on the dependent variable, that brand awareness and brand image have a positive and significant effect on customer satisfaction, customer satisfaction and brand awareness have a positive and significant effect on customer loyalty, while brand image has no effect on customer loyalty. Then the indirect effect is shown by the specific indirect effect test, namely that brand awareness and brand image have a positive and significant effect on customer loyalty through customer satisfaction as a mediating variable. The coefficient of determination (R²) on customer satisfaction of 0.514 indicates that customer satisfaction is influenced by these factors by 51.4%, while 48.6% is influenced by other variables not studied. Meanwhile, the R-Square value on customer loyalty of 0.511 indicates that customer loyalty is influenced by these factors by 51.1%, while 48.9% is influenced by other variables. Findings: The combined effect of brand awareness, brand image significantly affects customer satisfaction and customer loyalty. Originality: This study provides insight into consumer behavior in purchasing 3Second products on the Shopee marketplace. Novelty: This study highlights the importance of these factors in shaping customer satisfaction which is reinforced by customer loyalty in the context of 3Second clothing products on Shopee. Conclusion: Increasing brand awareness and brand image can increase customer satisfaction and customer loyalty. Type of Paper: Empirical research paper.]]>
<![CDATA[ANALISIS LIVE STREAMING, FLASH SALE DAN E-WOM DALAM MENDORONG PERILAKU IMPULSIVE BUYING PRODUK SKINCARE SKINTIFIC PADA PLATFORM TIKTOK SHOP ]]>
<![CDATA[Ulsatunnisa, Ulsatunnisa]]>;
<![CDATA[Oktoriza, Linda Ayu]]>;
<![CDATA[Safitri, Maria]]>;
<![CDATA[Nuryanto, Imam]]>
<![CDATA[ Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 2 (2025): Edisi Mei - Agustus 2025 ]]>
Publisher : <![CDATA[LPPM STIE Muhammadiah Bandung ]]>
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DOI: 10.31955/mea.v9i2.5816
<![CDATA[This study aims to analyze the influence of Live Streaming, Flash Sale, and E-WOM on impulsive buying behavior on Skintific skincare products on the TikTok Shop platform. This study uses a quantitative approach, with the population being students of the Management Study Program at Dian Nuswantoro University. The sample was selected using a non-probability sampling technique with a purposive sampling method, and this study involved 98 respondents. The study results show that the third variable, namely Live Streaming, Flash Sale, and E-WOM, significantly influence impulsive buying behavior simultaneously and partially. The conclusion of this study contributes to the digital marketing literature while providing practical recommendations for e-commerce business actors to optimize these marketing elements in increasing sales.]]>
<![CDATA[Pengujian Peran Emas dan Bitcoin Sebagai Aset Safe Haven: Stabilitas vs Spekulasi ]]>
<![CDATA[Gutama, Zulfikar]]>;
<![CDATA[Setyahuni, Suhita]]>;
<![CDATA[Safitri, Maria]]>;
<![CDATA[Puspitasari, Diana]]>
<![CDATA[ Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 3 (2025) ]]>
Publisher : <![CDATA[Politeknik Negeri Ambon ]]>
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DOI: 10.31959/jm.v14i3.3244
<![CDATA[Introduction: This study examines the roles of gold and Bitcoin as safe-haven assets amid global financial uncertainties from 2014 to 2025. While gold is traditionally viewed as a stable asset during market turmoil, Bitcoin's highly volatile and speculative nature challenges its role as a safe-haven. The purpose is to compare the stability and effectiveness of these assets in preserving investment value during crises.Methods: This quantitative research uses 136 monthly return data points of gold and Bitcoin. Analytical methods include independent sample t-tests for comparing average returns and Dynamic Conditional Correlation Generalized Autoregressive Conditional Heteroskedasticity (DCC-GARCH) models to assess volatility and dynamic correlations.Results: Findings reveal gold as a more stable and reliable safe-haven with consistently lower volatility and steadier returns. Bitcoin shows significantly higher volatility and fluctuating dynamic correlations with gold, indicating its speculative behavior. The t-test confirms a significant difference in average returns, while no strong causal relationship exists between the two assets. These results suggest gold is preferable for conservative investors, whereas Bitcoin serves better as a high-risk diversification instrument. Keywords: Bitcoin, Gold, DCC-GARCH, Safe Haven Asset, Investment Asset]]>
<![CDATA[PERAN FINANCING TO DEPOSIT RATIO, CAPITAL ADEQUACY RATIO DAN NON PERFORMING FINANCING TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA ]]>
<![CDATA[Widodo, Dheevanadea Arnetta]]>;
<![CDATA[Usman, Usman]]>;
<![CDATA[Oktavia, Vicky]]>;
<![CDATA[Safitri, Maria]]>
<![CDATA[ Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 3 (2025) ]]>
Publisher : <![CDATA[Politeknik Negeri Ambon ]]>
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DOI: 10.31959/jm.v14i3.3246
<![CDATA[Introduction: Indonesia's Islamic financial sector has grown quickly, mostly as a result of Islamic banking's contribution to economic growth through fund intermediation. However, a several problems, result in lower profitability for Islamic institutions, especially during the COVID-19 pandemic. This study aims to investigate the effects of the Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), and Capital Adequacy Ratio (CAR) on Return on Assets (ROA), a metric used to quantify profitability.Methods: The methodology used is quantitative causal analysis with multiple linear regression techniques. All Islamic Commercial Banks (BUS) that are registered with the Financial Services Authority (OJK) make up the study population; 11 banks were selected by selective sampling utilising 2019–2023 data.Results: The study's findings indicate that ROA is significantly impacted positively by FDR and CAR and negatively by NPF. This shows that effective financing and capital adequacy increase profitability, while problematic financing decreases it.In conclusion, liquidity management, capitalization, and financing quality are very important to maintain the financial performance of Islamic banks. Management is advised to strengthen the risk management system and improve operational efficiency.]]>
<![CDATA[PERAN KEBIJAKAN DIVIDEN SEBAGAI MEDIASI PENGARUH STRUKTUR MODAL DAN PROFITABILITAS TERHADAP NILAI PERUSAHAAN ]]>
<![CDATA[Kamiliya, Chantika Zulfa]]>;
<![CDATA[Subagyo, Herry]]>;
<![CDATA[Prawitasari, Dian]]>;
<![CDATA[Safitri, Maria]]>
<![CDATA[ Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 3 (2025): Edisi September - Desember 2025 ]]>
Publisher : <![CDATA[LPPM STIE Muhammadiah Bandung ]]>
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DOI: 10.31955/mea.v9i3.6260
<![CDATA[Nilai perusahaan menjadi indikator pencapaian yang mencerminkan keberhasilan dalam menguatkan daya tarik perusahaan untuk pihak eksternal, dengan tujuan mendorong terjadinya investasi untuk mendukung pengembangan usaha. Dalam penelitian kali ini difokuskan mengkaji pengaruh struktur modal serta profitabilitas terhadap nilai perusahaan didukung kebijakan dividen dengan peran mediasi. Studi dilakukan pada perusahaan manufaktur sektor barang konsumsi yang tercatat di Bursa Efek Indonesia (BEI) selama rentang waktu 2019–2023. Selanjutnya digunakan sampel dengan total 22 perusahaan, dipilih berdasarkan pendekatan purposive sampling sesuai kriteria yang telah ditentukan. Metode analisis yang digunakan meliputi analisis deskriptif, pengujian asumsi klasik, pengujian regresi linier berganda, beserta uji Sobel, menggunakan bantuan perangkat lunak SPSS versi 26. Penelitian ini membuktikan jika struktur modal tidak memiliki pengaruh signifikan terhadap kebijakan dividen, sementara profitabilitas mampu mempengaruhi positif dan signifikan. Lalu hasil selanjutnya struktur modal, profitabilitas serta kebijakan dividen terbukti berpengaruh positif signifikan terhadap nilai perusahaan. Kemudian kebijakan dividen hanya mampu memediasi pengaruh profitabilitas terhadap nilai perusahaan, dan tidak berlaku pada hubungan antara struktur modal dan nilai perusahaan.]]>
<![CDATA[The Role of Financial Technology (FinTech) in Enhancing MSMEs’ Access to Finance: A Study from the Perspective of Financial Management ]]>
<![CDATA[Safitri, Maria]]>;
<![CDATA[Muharam, Harjum]]>;
<![CDATA[Pangestuti, Irene Rini Demi]]>
<![CDATA[ Jurnal Ilmiah Global Education Vol. 6 No. 3 (2025): JURNAL ILMIAH GLOBAL EDUCATION ]]>
Publisher : <![CDATA[LPPM Institut Pendidikan Nusantara Global ]]>
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DOI: 10.55681/jige.v6i3.4069
<![CDATA[The expansion of financial technology (FinTech) has changed the way that MSMEs, and the potential entrepreneurs behind them, can access capital, especially in emerging markets, where traditional financial services availability is constrained. Notwithstanding the growing accessibility of digital financial services, a large number of MSMEs still struggle to engage with these technologies; their barriers including low levels of financial literacy, poor digital preparation, and internal decision-making obstacles. This study tries to explore the effects of FinTech adoption on MSMEs access to finance, with focus on the mediating effect of financial literacy and the moderating role of financial behavior and trust. A quantitative causal-explanatory research design was employed using primary data that were gathered using structured questionnaires from Indonesian MSME owners transacting in FinTech platforms. The relationships between the main constructs were investigated through Structural Equation Modeling (SEM). The findings indicate that financial literacy and internal financial management fully mediate the effect of FinTech on financing outcomes, and digital trust and risk perception moderate the relationship. The results provided are consistent with the utilization of the COR Theory in understanding digital financial behavior among MSMEs reiterating that technology itself is not enough if cognitive and behavioral resources are not enabled. This study provides practical implications for policymakers and FinTech developers who seek to shape inclusive financial systems and also demonstrates the need to incorporate financial education in digital innovations' strategy to build greater economic resiliency of MSMEs]]>
<![CDATA[ANALISIS LITERASI KEUANGAN, GAYA HIDUP TERHADAP PERILAKU KONSUMTIF DENGAN KONTROL DIRI SEBAGAI VARIABEL MEDIASI (STUDI PADA MAHASISWA FEB UNIVERSITAS DIAN NUSWANTORO) PENGGUNA E-COMMERCE ]]>
<![CDATA[Claudia riska, Riska claudia]]>;
<![CDATA[Safitri, Maria]]>;
<![CDATA[Pakarti, Piji]]>;
<![CDATA[Puspitasari, Diana]]>
<![CDATA[ Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025) ]]>
Publisher : <![CDATA[Lembaga Intelektual Muda (LIM) Maluku ]]>
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DOI: 10.54373/ifijeb.v5i3.3932
<![CDATA[ Penelitian ini bertujuan untuk menilai analisis Literasi Keuangan, Gaya Hidup terhadap Perilaku Konsumtif dengan Kontrol Diri sebagai variabel mediasi pada studi kasus mahasiswa FEB Universitas Dian Nuswantoro Angkatan 2021 pengguna e-commerce. Penelitian ini melibatkan 109 responden dengan menerapkan metode purposive sampling untuk memilih responden. Survei online dengan skala likert dilakukan melalui Google Forms untuk pengumpulan data.Penelitian ini memanfatkan data kuantitatif yang dianalisi melalui perangkat Smart-pls 4. Temuan penelitian ini memperlihatkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku konsumtif, gaya hidup juga berpengaruh positif dan signifikan terhadap perilaku konsumtif, Literasi keuangan dan gaya hidup berpengaruh positif dan signifikan terhadap kontrol diri, kontrol diri berpengaruh positif terhadap perilaku konsumtif, dan Kontrol diri secara signifikan memediasi hubungan antara literasi keuangan dan gaya hidup terhadap perilaku konsumtif.]]>
<![CDATA[Pre and Spread Covid-19 of Market and Financial Performance On Transportation Companies ]]>
<![CDATA[Kadarningsih, Ana]]>;
<![CDATA[Safitri, Maria]]>;
<![CDATA[Oktavia, Vicky]]>
<![CDATA[ International Journal Of Pedagogical Novelty (IJOPNOV) Vol 1 No 1 (2022): International Journal of Pedagogical Novelty ]]>
Publisher : <![CDATA[Pustaka Galeri Mandiri ]]>
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<![CDATA[This research is intended to examine the extent to which financial performance and market performance encourage financial stability in the long term, especially during the pandemic for 50 transportation companies in Indonesia. The purpose of this study focuses on measuring the financial performance of 2 ratios, namely the Retun On Asset and Debt Equity Ratio, and market performance as measured by Price Earning Ratio and Price Book Value, before and during the pandemic. This research is quantitative. by using secondary data. The sampling used in this study was purposive sampling, with a sample of 50 transportation companies listed on the IDX from 2018 to 2021 with a total of 600 data. Hypothesis testing in this study used a non-parametric test, namely the Wilcoxon-signed rank test to analyze the difference in the mean of two related variables. This test is to see differences in the financial and market performance of transportation companies before and during the covid-19 pandemic in Indonesia. The data processing in this study uses SPSS version 26. The Wilcoxon Signed Rank results show that there are differences in PER, PBV and ROA were significant before and during the COVID-19 pandemic, while there was no difference in DER.]]>
<![CDATA[Pengaruh Green Perceived Quality Dan Green Brand Image Terhadap Green Trust Dan Green Purchase Intention Pada Produk Micellar Cleansing Water Garnier ]]>
<![CDATA[Hartanti, Anita]]>;
<![CDATA[Aqmala, Diana]]>;
<![CDATA[Anomsari, Ariati]]>;
<![CDATA[Safitri, Maria]]>
<![CDATA[ Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 13 No. 3 (2024) ]]>
Publisher : <![CDATA[Politeknik Negeri Ambon ]]>
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DOI: 10.31959/jm.v13i3.2334
<![CDATA[This study aims to determine the effect of green perceived quality and green brand image on green trust and green purchase intention on Garnier Micellar Cleansing Water products. The population of this study were active Management students of Dian Nuswantoro University. The sample used was 70 respondents. The sampling technique used was the probability sampling technique, cluster random sampling type obtained from distributing questionnaires. The type of data used was primary data. The collected data will be analyzed through SEM-PLS with SmartPLS software version 3, including validity tests, reliability tests, R-square and path coefficients. The results of the study stated that green perceived quality and green brand image have a significant effect on green trust. This means that product quality and brand image that are considered environmentally friendly by consumers are important factors in increasing trust in environmentally friendly products. Green perceived quality does not have a significant effect on green purchase intention, this shows that green perceived quality in Garnier micellar cleansing water does not influence consumers enough to buy environmentally friendly products offered. While green brand image and green trust have a significant effect on green purchase intention, meaning that if consumers have a brand image and trust in environmentally friendly products, it will affect the purchase interest of the product. For the mediation effect, it shows that green trust is stated to be able to mediate or become an intermediary for green perceived quality significantly towards green purchase intention. While green brand image does not have a significant effect on green purchase intention through green trust, this shows that green trust so that the intervening variable in this study is stated to be unable to mediate the effect of green brand image on green purchase intention.]]>
