Article Per Year (5 Year)
p-Index From 2021 - 2026
0.817
P-Index
This Author published in this journals
All Journal JRMSI - Jurnal Riset Manajemen Sains Indonesia Petra International journal of Business Studies (IJBS) Growth: Journal Management and Business
Ibnu Andaris
Universitas Pelita Bangsa
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
Age Demographics as a Moderating Effect in the Influence of Fintech Through Financial Literacy on Financial Behavior Ibnu Andaris; Niken Paramitha; Dadan Firmansyah; Muhamad Ekhsan
Petra International Journal of Business Studies Vol. 7 No. 2 (2024): DECEMBER 2024
Publisher : Master of Management, School of Business and Management, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/petraijbs.7.2.175-184

Abstract

The increasingly sophisticated development of technology gave rise to the term fintech in the financial aspect; the emergence of fintech brought challenges for users that affect financial behavior. This study seeks to analyze in more depth what factors can influence financial behavior using fintech variables, financial literacy, and age demographics. The leading theory presented is planned behavior, which is related to financial behavior. This research uses a quantitative approach by collecting primary data through observation and distributing questionnaires. Based on our study, a sample size of 100 individuals was selected by purposive sampling technique. The analysis employed path analysis with moderating effects, conducted through Smart-PLS 3 software. The results revealed a statistically significant influence of financial technology and financial literacy on financial behavior. Furthermore, financial technology exhibited a significant impact on financial literacy. Additionally, we found that financial literacy was a mediator in the relationship between financial technology and financial behavior, while age demographics did not moderate this association.
DOES FIRM SIZE HAVE A MODERATING EFFECT ON FINANCIAL DISTRESS? EVIDENCE: INFRASTRUCTURE SECTOR LISTED IN INDONESIA STOCK EXCHANGE Ibnu Andaris; Sunita Dasman
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 15 No. 02 (2024): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JRMSI.015.2.07

Abstract

This study aims to gather more systematic and complete information about factors that affect financial distress. This study's testing is based on secondary data, with a purposive sample of 41 samples collected overall. With the use of the eviews 12 software package, the data analysis in this study employs logistic regression and moderated regression analysis. The study's findings demonstrate the importance of leverage and liquidity, but not the importance of profitability or firm size. However, the business size has no effect on the profitability variable; only the liquidity and leverage variables are affected. The variables related to liquidity and leverage yielded the most significant findings.
Digital Financial Literacy and Investment Intention: The Mediating Roles of Risk Perception and Financial Self-Efficacy Nataliana Bebasari; Parulian Parulian; Elsye Fatmawati; Ibnu Andaris
Growth: Journal Management and Business Vol. 4 No. 01 (2026): June 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/growth.v4i01.1604

Abstract

Indonesia's financial inclusion has expanded through digital financial services, while financial literacy remains lower than financial inclusion, creating a persistent capability gap in digital financial decision-making. This study examines the relationship between digital financial literacy and investment intention through two parallel mediators: financial self-efficacy and risk perception. Data were collected in 2026 from 120 Indonesian users of digital financial applications through purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3. The measurement model met the required criteria for convergent validity, discriminant validity, and reliability. Digital financial literacy had significant positive effects on financial self-efficacy and risk perception, but its direct effect on investment intention was not statistically significant. Financial self-efficacy and risk perception each had significant positive effects on investment intention, and both specific indirect effects were significant while the direct path was not. These results establish an indirect-only mediation pattern in which digital financial literacy is associated with investment intention through financial confidence and informed risk perception. The study contributes to behavioral finance by demonstrating two parallel psychological mechanisms that connect digital financial literacy with investment intention and by highlighting practical implications for digital financial education.
From Digital Financial Literacy to E-Wallet Usage Decisions: The Mediating Role of Trust in Fintech Nataliana Bebasari; Elsye Fatmawati; Ibnu Andaris
Growth: Journal Management and Business Vol. 3 No. 02 (2025): December 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/growth.v3i02.1607

Abstract

Electronic wallets (e-wallets) have expanded access to digital payments in Indonesia, while usage decisions remain linked to users’ ability to evaluate digital financial services and their trust in providers. This study examines the influence of digital financial literacy on e-wallet usage decisions, with trust in fintech as the mediating variable. Data were collected from 75 active e-wallet users in Indonesia who were at least 18 years old and had used an e-wallet for a minimum of three months; respondents were selected through purposive sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The measurement model met the reported reliability, convergent validity, and discriminant validity criteria. Digital financial literacy had a significant positive effect on trust in fintech, but its direct effect on e-wallet usage decisions was not statistically significant. Trust in fintech had a significant positive effect on e-wallet usage decisions, and the significant indirect path combined with the non-significant direct path indicates indirect-only mediation. The results establish trust in fintech as the mechanism through which digital financial literacy is associated with e-wallet usage decisions in this sample. The study contributes to digital financial behavior research and provides practical direction for fintech providers to strengthen trust alongside user financial capability.
Co-Authors Dadan Firmansyah Elsye Fatmawati Muhamad Ekhsan Nataliana Bebasari Niken Paramitha Parulian Parulian Sunita Dasman