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All Journal Economics and Digital Business Review Revenue: Lentera Bisnis Manajemen Talent: Journal of Economics and Business
Hia, Angel Christin
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Rasio Likuiditas, Leverage, Dan Aktivitas Terhadap Profitabilitas Pt Bank Negara Indonesia (Persero) Tbk. Tahun 2019 – 2023 Syahira , Adella Devany; Hia, Angel Christin; Septiani, Atikah; Wardani, Wanda Putriana; Amelia, Rika; Dasman, Sunita
Economics and Digital Business Review Vol. 5 No. 2 (2024): February - July
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Profitabilitas bank dipengaruhi oleh berbagai faktor keuangan, termasuk likuiditas, leverage, dan aktivitas. Dalam konteks Bank Negara Indonesia (BNI) periode 2019-2023, dinamika ekonomi global, pandemi COVID-19, dan tekanan likuiditas menjadi tantangan signifikan yang dihadapi. Fenomena ini mendorong perlunya analisis mendalam untuk memahami bagaimana ketiga rasio keuangan tersebut memengaruhi kinerja profitabilitas bank. Topik ini dipilih karena relevansinya terhadap pengelolaan risiko keuangan, khususnya di sektor perbankan Indonesia yang memiliki peran penting dalam mendukung stabilitas ekonomi nasional. Penelitian ini diharapkan dapat memberikan kontribusi akademis dan praktis bagi strategi pengelolaan keuangan perbankan yang lebih optimal
Implikasi Penerapan Good Corporate Governance, Kualitas Audit, Dan Leverage Terhadap Integritas Laporan Keuangan Hia, Angel Christin; Friska, Friska; Surtarti, Dwi; Simamora, Rani; Kustina, Lisa
Revenue: Lentera Bisnis Manajemen Vol. 3 No. 02 (2025): Mei 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lbm.v3i02.789

Abstract

Penelitian ini menganalisis efektivitas good Corporate Governance (GCG), kualitas kinerja dan laverage periode 2019-2023. Penelitian ini menggunakan sampel sebanyak 15 perusahaan dan teknik analisis data regresi panel untuk memperhitungkan pengaruh model fixed effect (FEM), serta diolah menggunakan software Eviews. Dengan analisis kuantitatif dan regresi data panel yang bertujuan untuk memperhitungkan pengaruh model fisi (FEM), Hasil penelitian mendapatkan bahwa secara parsial good corporate governance dan leverage tidak berpengaruh terhadap integritas laporan keuangan, sementara kualitas audit berpengaruh signifikan terhadap integritas laporan keuangan. Studi-studi ini menunjukkan pentingnya melakukan tes berkualitas tinggi untuk meningkatkan transparansi dan akuntabilitas di lembaga pelaporan keuangan.
Understanding Students’ Consumption Behavior: The Role of Digital Payment, Financial Literacy, and Lifestyle Septiani, Atikah; Hia, Angel Christin; Syahira, Adella Devany; Amelia, Rika; Wardani, Wanda Putriana
Talent: Journal of Economics and Business Vol. 3 No. 03 (2025): September 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/jeb.v3i03.973

Abstract

This study explores the shifting consumption behavior in society amidst the rapid digitalization of payment systems, particularly through the use of digital payments, which have become an integral part of the economic activities of the younger generation. The main objective of this study is to evaluate the impact of digital payment usage on consumptive behavior, taking into account the mediating role of financial self-control and the moderating role of financial literacy. A quantitative approach was employed, utilizing primary data collected through questionnaires distributed primarily to university students. The data were analyzed using structural equation modeling (SEM) to identify patterns of relationships among the studied variables. A total of 153 respondents participated in this study. Data were analyzed using Structural Equation Modeling (SEM) with SmartPLS software, which enabled comprehensive testing of measurement validity, reliability, and structural relationships among variables. The results indicate that higher intensity of digital payment usage is associated with a greater likelihood of uncontrolled and impulsive consumptive behavior. However, individuals' ability to exercise financial self-control significantly mitigates this negative effect and supports more prudent financial decision-making. On the other hand, financial literacy did not exhibit a significant moderating effect, although it is still conceptually considered important in shaping rational financial attitudes. The discussion highlights the need for the development of digital features that promote financial discipline. Therefore, financial management strategies in the digital era should be holistic, adaptive, collaborative, and oriented toward fostering healthy, balanced, and sustainable consumption behavior.
Co-Authors Amelia, Rika Friska, Friska Kustina, Lisa Septiani, Atikah Simamora, Rani Sunita Dasman Surtarti, Dwi Syahira , Adella Devany Syahira, Adella Devany Wardani, Wanda Putriana