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All Journal Jurnal Riset Manajemen Akuntansi Indonesia Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha
Permana, Sandi Bagas
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Economics, Econometrics & Finance

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THE IMPACT OF FINANCIAL TECHNOLOGY ON SAVING BEHAVIOR OF STUDENTS IN SURABAYA Dewanti, Aulia Puja; Permana, Sandi Bagas
Prosiding Seminar Nasional dan Call Paper STIE Widya Wiwaha Vol 3 No 1 (2024): International Seminar Proceedings and Call for Paper STIE Widya Wiwaha
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/semnas.v3i1.1100

Abstract

This research aims to investigate the impact of financial technology (fintech) on the saving behavior of students in Surabaya. The study examines the level of fintech adoption, the relationship between fintech usage and saving behavior, and the factors influencing students' decisions to use fintech for saving. Data were collected from a sample of students using questionnaires, and statistical analyses were conducted using descriptive statistics, reliability tests, Pearson correlation, multiple regression, and independent t-tests. Key findings show that 80% of the students have adopted fintech, with a significant positive correlation between fintech usage and saving behavior. Factors such as ease of use, perceived security, and financial literacy are significant predictors of fintech use for saving. The results suggest that fintech is an effective tool to enhance saving habits among students in Surabaya. However, differences in saving behavior between fintech users and non-users are not substantial, highlighting the need to consider selection bias. This research contributes to the understanding of fintech's role in promoting financial inclusion and improving saving behaviors in emerging markets.
PENGARUH GOOD CORPORATE GOVERNANCE TERHADAP STRUKTUR MODAL PERUSAHAAN AWARDEE GOVERNANCE SECTOR DI IICD AWARDS PERIODE 2021-2024 Permana, Sandi Bagas; Kusumaningtias, Rohmawati
Jurnal Riset Manajemen Akuntansi Indonesia Vol 4 No 2 (2026): Jurnal Riset Manajemen Akuntansi Indonesia
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/xpxgqq65

Abstract

Penelitian ini bertujuan untuk menganalisis apakah terdapat pengaruh dari komponen good corporate governance terhadap struktur modal pada perusahaan penerima Awardee  Governance Sector  di IICD Awards Periode 2021-2024. Objek penelitian yaitu total 80 perusahaan. Sampel yang digunakan sebanyak 55 perusahaan yang sesuai dengan krtiteria dengan kriteria pengambilan sampel dengan metode Purposive Sampling. Penelitian ini menggunakan alat analisis SPSS Versi 27. Penelitian ini menggunakan regresi linier berganda sebagai instrumen analisis. Namun, sebelum melakukan uji regresi, terlebih dahulu dilakukan pengujian asumsi klasik. Hasil dari penelitian ini yaitu komisaris independent (KOM) berpengaruh signifikan positif terhadap struktur modal. Variabel lain yang berpengaruh signifikan  negatif terhadap struktur modal yaitu  komite audit (KA) dan kepemilikan manajerial (KM). Sedangkan untuk variabel kepemilikan institusional (KI)  tidak berpengaruh signifikan terhadap struktur modal
Co-Authors Dewanti, Aulia Puja ROHMAWATI KUSUMANINGTIAS