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Optimizing Banking Investments: Financial technology, Rates, Dividends & CSR Impact Pujayanti, Putu Gita; Musmini, Lucy Sri; Sujana , Edy
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 12 No. 2 (2024)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v12i2.86836

Abstract

This study aims to provide empirical evidence on the influence of Financial Technology, interest rates, and dividend policy, all of which are significant factors in investment decision-making, with Corporate Social Responsibility (CSR) as a moderating variable. The study employs a quantitative approach and multiple linear regression analysis. The research sample consists of 47 banking companies listed on the Indonesia Stock Exchange (IDX), with 80 secondary data points collected from 16 samples over the 2019-2023 period. The novelty of this research lies in utilizing CSR as a moderating variable and employing STATA as the testing tool. The findings reveal that Financial Technology and interest rates do not have a significant impact on investment decisions, and CSR is not effective in moderating the relationships between Financial Technology, interest rates, and dividend policy. However, dividend policy has a significant influence on investment decisions. These findings provide valuable insights for company management, serving as a foundation for more informed investment decision-making processe.
Optimizing Banking Investments: Financial technology, Rates, Dividends & CSR Impact Pujayanti, Putu Gita; Musmini, Lucy Sri; Sujana , Edy
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 12 No. 2 (2024)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v12i2.86836

Abstract

This study aims to provide empirical evidence on the influence of Financial Technology, interest rates, and dividend policy, all of which are significant factors in investment decision-making, with Corporate Social Responsibility (CSR) as a moderating variable. The study employs a quantitative approach and multiple linear regression analysis. The research sample consists of 47 banking companies listed on the Indonesia Stock Exchange (IDX), with 80 secondary data points collected from 16 samples over the 2019-2023 period. The novelty of this research lies in utilizing CSR as a moderating variable and employing STATA as the testing tool. The findings reveal that Financial Technology and interest rates do not have a significant impact on investment decisions, and CSR is not effective in moderating the relationships between Financial Technology, interest rates, and dividend policy. However, dividend policy has a significant influence on investment decisions. These findings provide valuable insights for company management, serving as a foundation for more informed investment decision-making processe.
PERANCANGAN TAMPILAN APLIKASI DOMPET DIGITAL BERBASIS MOBILE DENGAN PENDEKATAN HUMAN-CENTERED DESIGN Dananjaya, Md Wira Putra; Pujayanti, Putu Gita
Jurnal Informatika dan Teknik Elektro Terapan Vol. 12 No. 1 (2024)
Publisher : Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jitet.v12i1.3800

Abstract

This research aims to design and develop the user interface of a mobile-based digital wallet application using the Human-Centered Design (HCD) approach. The HCD method is employed to prioritize user needs and preferences in the application interface development. The application prototype includes features such as transaction tracking, budget management, and financial reporting, with the goal of enhancing the user experience in personal financial management. The development process involves design iterations based on user feedback to ensure the interface aligns with user expectations and needs. Usability testing results using the System Usability Scale (SUS) indicate a positive score of 75.6, signifying good acceptance of the application interface. The practical implications of this research are to provide more effective design guidelines for the development of digital wallet applications that consider user comfort and needs.