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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Bisnis, Manajemen, dan Akuntansi Jurnal Ekonomi Islam, Akuntansi, dan Manajemen Journal of Applied Financial Management (JAFM)
Vettyca Diana Saputri
Universitas Dehasen Bengkulu
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

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Factors That Influence Financial Behaviour In Generation Z In Bengkulu City Vettyca Diana Saputri; Karona Cahya Susena; Lydia Gustina Putri
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 1 (2025): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i1.7232

Abstract

This study aims to examine the factors that influence Financial Behaviour in generation Z Bengkulu City. The focus of this study is to determine whether Financial attitude, Financial Knowledge and Financial Self-Effivcacy affect fianancial behaviour in generation Z Bengkulu City. The approach used is a quantitative approach with primary data. The sample in this study were generation Z in Bengkulu city, namely 100 people. The result of the multiple linear regression analysis is the equation Y = 1.766 + 0.347 X1 + 0.321 X2 + 0, 479 X3 + e, this illustrates the positive direction of regression, meaning that the variables Financial Attitude, Financial Knowledge, Financial Self-Efficacy have a positive influence on Financial Behaviour (Y) in Generation Z Bengkulu City.From the results of calculations using SPSS 25, it can be seen that the coefficient of determination of R square is 0.593. This means that the value of financial attitide (x1), financial knowledge (x2) and financial self-efficacy (x3) affects Financial Behaviour (Y) by 59.3% while the remaining 40.7% is influenced by other variables not examined in this study. The results of the t test at the significance level <0.05 explain that partially financial attitide (x1), financial knowledge (x2) and financial self-efficacy have a significant effect on Financial Behaviour (Y) in Generation Z Bengkulu City. The results of the f test are smaller than 0.050, so the variables financial attitide (x1), financial knowledge (x2) and financial self-efficacy (x3) have a significant effect on Financial Behaviour (Y) in generation Z Bengkulu City.
Strategies for Developing Digital Competencies in Human Resources to Improve Service Quality Vettyca Diana Saputri
Jurnal Ekonomi Islam, Akuntansi, dan Manajemen Vol. 2 No. 3 (2026): Mei
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jeiam.v2i3.764

Abstract

This study aims to analyze the digital competency development strategy of human resources (HR) in improving service quality at the BRI Branch Office (KC) in Bengkulu City. In an era of rapid digital transformation, the ability of HR to master digital technology has become a key factor in the success of banking services. This study uses a descriptive qualitative approach with the Miles and Huberman data analysis method, which includes three stages: data reduction, data display, and conclusion drawing/verification. Data collection was carried out through in-depth interviews, observation, and documentation studies. Research informants were selected using purposive sampling, consisting of Branch Manager, HR Manager, and employees of KC BRI Bengkulu City. The results show that KC BRI Bengkulu City implements several digital competency development strategies including: (1) regular digital technology-based training, (2) digital mentoring and coaching programs, (3) digital competency certification, and (4) performance evaluation based on digital indicators. These strategies proved to contribute significantly to improving service quality as indicated by increased customer satisfaction and service efficiency.
An Analysis of the Effectiveness of Inventory Management in Improving Operational Efficiency Vettyca Diana Saputri; Nevi Fitriani
Journal of Applied Financial Management Vol. 2 No. 1 (2026): Juni
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jafm.v2i1.1713

Abstract

Working capital management is a crucial aspect of corporate financial management because it directly influences a company's liquidity, operational efficiency, and profitability. Effective management of current assets and current liabilities enables firms to maintain smooth business operations while maximizing financial performance. This study aims to analyze the role of working capital management in improving corporate profitability by examining the relationship between working capital efficiency and financial performance. The study adopts a quantitative research approach using secondary data collected from the published annual financial statements of selected companies over the observation period. The data are analyzed using descriptive statistics and multiple regression analysis to evaluate the effect of working capital management on corporate profitability. The findings indicate that efficient working capital management contributes positively to corporate profitability by improving cash flow, optimizing inventory levels, accelerating accounts receivable collection, and effectively managing accounts payable. In addition, an efficient cash conversion cycle is associated with higher profitability because it enables companies to recover invested funds more quickly and reduce reliance on external financing. The study concludes that effective working capital management is an essential strategy for enhancing operational efficiency, maintaining financial stability, and improving long-term corporate profitability. The findings provide practical implications for corporate managers, investors, and policymakers in developing financial management strategies that support sustainable business growth and value creation.
Inovasi Publikasi Ilmiah Berbasis Digital: Strategi Ketahanan LPPJPHKI UNIVED Bengkulu Di Era Kewirausahaan Digital (Kwudig) Vettyca Diana Saputri; Karona Cahya Susena; Anzori Anzori
Jurnal Bisnis, Manajemen dan Akuntansi Vol. 2 No. 2 (2026): Maret
Publisher : Utami Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70963/jbisma.v2i2.502

Abstract

Digital entrepreneurship (Kwudig) is no longer limited to the business sector but has become a crucial strategy for academic institutions to foster innovation and strengthen resilience in the digital transformation era. This study aims to describe how the Institute for Scientific Publication and Journal Management (LPPJPHKI) of Universitas Dehasen (UNIVED) Bengkulu applies the principles of digital entrepreneurship in developing technology-based scientific publications. Using a descriptive qualitative approach, the research was conducted through observations of the digital publication system and the journal marketing strategies implemented through various social media platforms. The findings indicate that LPPJPHKI UNIVED Bengkulu has successfully integrated digital innovation and entrepreneurial spirit through the management of the website publikasi-jurnal.id, the use of social media for promotion, and the implementation of an adaptive management system. These efforts have established a model of institutional resilience based on efficiency, innovation, and value creation within the digital entrepreneurship era.
Co-Authors Karona Cahya Susena Lydia Gustina Putri Nevi Fitriani Tawakal, Anzori