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All Journal SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS eMBeJi : Manajemen dan Bisnis Jurnal SENMEA
Herdiyanti, Indyah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Unlocking The Puzzle: Locus of Control, Fintech and Financial Literacy in Shaping Financial Behavior Kiswanti, Hanny Mahasih; Khouroh, Umu; Yuniarti, Sari; Begum, Farhana; Herdiyanti, Indyah
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 7, No. 4, December 2023
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v7i4.371-392

Abstract

This study is intended to analyze the financial management behavior of merchants in Pasar Besar, Malang City interms of locus of control and fintech perspectives by presenting financial literacy as a mediation variable. The research design used is quantitative with explanatory research methods. The study population is merchants in Pasar Besar, Malang City with probability sampling techniques using the simple random sampling method. Data analysis techniques using partial least square-structural equation model (PLS-SEM). The results showed that locus of control and fintech have a significant positive effect on financial management behavior; Locus of control and fintech have a significant positive effect on financial literacy. The results also stated that financial literacy can mediate the influence of locus of control and fintech on financial management behavior.
UPAYA PENINGKATAN MINAT BELI KONSUMEN PADA GACO KOPI DI MALANG Herdiyanti, Indyah; Hawa E, Nur Laily
Prosiding Seminar Nasional Manajemen, Ekonomi dan Akuntansi Vol. 6 No. 1 (2021): PROSIDING SEMINAR NASIONAL MANAJEMEN, EKONOMI DAN AKUNTANSI 2021
Publisher : Universitas Nusantara PGRI Kediri

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Abstract

Tujuan dilakukannya penelitian ini adalah untuk mengetahui apakah dengan menerapkan kualitas pelayanan, kualitas produk, dan fasilitas yang disediakan oleh Gaco Kopi Malang dapat meningkatkan minat beli konsumen. Penelitian ini merupakan penelitian survey, menggunakan pendekatan deskriptif. Populasinya adalah seluruh konsumen di Gaco Kopi Malang. Sampel ditetapkan sebanyak 100 orang yang ditentukan dengan teknik Purposive sampling. Analisis data yang digunakan adalah analisis deskriptif dan analisis linier berganda, Special Package For Statistic Science (SPSS). Pengumpulan data menggunakan kuesioner. Hasil penelitian menunjukkan bahwa nilai t hitung masing-masing variabel bebas adalah 2,968 untuk kualitas pelayanan, 7,013 untuk kualitas produk dan 3,328 untuk fasilitas. Sedangkan nilai t tabel adalah 1,985 (t hitung > t tabel) artinya bahwa: Kualitas Pelayanan, Kualitas Produk, dan Fasilitas memiliki pengaruh yang signifikan terhadap minat beli konsumen. Hasil analisis koefisien determinasi diperoleh nilai sebesar 0,731 atau 73,1%, yang artinya ada pengaruh variabel independen terhadap variabel dependen.
Peran Literasi Keuangan Hijau dan Kepedulian LingkunganTerhadap Green Investment Intention yang Dimediasi Green Investment Trust Indrawati, Novy Karmelita; Herdiyanti, Indyah; Umam, Abid Nahidul
Manajemen & Bisnis Jurnal Vol 12 No 2 (2026)
Publisher : Magister Manajemen Universitas Wisnuwardhana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37303/embeji.v12i2.340

Abstract

The growth of sustainable finance has given rise to a range of green investment instruments, including green bonds, green sukuk, ESG-based mutual funds, and renewable energy investments. However, despite growing public awareness of environmental issues, investors still face several barriers to participating in these green instruments. This study examines how green financial literacy and environmental concern affect green investment intention, and tests whether green investment trust mediates these relationships. Using a quantitative, explanatory research design, data were gathered through questionnaires administered to individual investors with experience in, or interest toward, sustainable investment products. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) via SmartPLS. The findings show that green financial literacy and environmental concern both have a significant positive effect on green investment intention. All variables also significantly and positively influence green investment trust, which in turn significantly and positively affects investment intention. Mediation analysis confirms that green investment trust plays a significant mediating role in linking financial literacy and environmental concern to green investment intention. The study contributes to the literature by combining green financial knowledge and environmental awareness within a single framework centered on the role of green investment trust
Co-Authors Begum, Farhana Hawa E, Nur Laily Indrawati, Novy Karmelita Kiswanti, Hanny Mahasih Sari Yuniarti Umam, Abid Nahidul Umu Khouroh