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All Journal Transformasi: Journal of Economics and Business Management Jurnal Akuntansi dan Keuangan Entitas
Dhea Paramitha
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Dampak Penggunaan Paylater Terhadap Minat dan Gaya Hidup Karyawan PT Tripatra Dhea Paramitha
Transformasi: Journal of Economics and Business Management Vol. 4 No. 1 (2025): Maret: Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v4i1.2550

Abstract

PayLater services are increasingly popular as a payment method that offers ease of transactions and financial flexibility for its users. However, this convenience can also increase consumptive behavior that has the potential to affect individual financial stability. This study aims to analyze the impact of PayLater service on consumption interest and lifestyle of PT Tripatra employees. This research uses a quantitative approach with a survey method. Data was collected through questionnaires distributed to PT Tripatra employees who use PayLater services. Data analysis was performed with descriptive statistical tests and linear regression to measure the relationship between PayLater usage, consumption behavior, and financial stability. The results showed that the PayLater service provided significant benefits in the ease of transactions and increased employee purchasing power. However, there is a positive correlation between the use of this service and an increase in consumptive behavior, including impulse purchases. This has the potential to reduce individual financial stability in the long run, especially for those who lack good financial literacy. Uncontrolled use of PayLater services can increase financial risk. Therefore, awareness and good financial literacy are needed so that the benefits of this service can be optimized without causing negative impacts. As a recommendation, companies are advised to provide financial education to their customers. 
PENGARUH QUICK RATIO (QR) DAN DEBT TO EQUITY RATIO (DER) TERHADAP DIVIDEN PAYOUT RATIO (DPR) PADA PT. SEMEN INDONESIA Dhea Paramitha; M. Djauhari
Jurnal Akuntansi dan Keuangan Entitas Vol. 5 No. 2 (2025): Jurnal Akuntansi Dan Keuangan Entitas
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Jayabaya

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Abstract

The Dividend Payout Ratio (DPR) is an important indicator that reflects a company's policy in distributing profits to shareholders, making it a primary concern for investors in assessing the level of return on investment. Because the DPR reflects the balance between the company's internal needs and the interests of shareholders, it is important to investigate the factors that influence it. Two factors worth examining are the Quick Ratio (QR) and the Debt to Equity Ratio (DER). This study uses a quantitative approach with multiple linear regression analysis methods. Before testing the hypothesis, descriptive analysis and classical assumption tests were conducted, which included tests for normality, multicollinearity, heteroscedasticity, and autocorrelation. Furthermore, a t-test (partial), F-test (simultaneous), and analysis of the coefficient of determination (Adjusted R²) were performed with a significance level of 5%. The results showed that QR and DER did not significantly influence the DPR, either partially (p-value 0.488 and 0.144) or simultaneously (p-value 0.329), with an Adjusted R² value of 0.028. This means that only 2.8% of the DPR variation can be explained by these two variables, while the remainder is influenced by other factors such as profitability and cash flow. Therefore, management is advised to consider other indicators in dividend policy, and investors should consider additional factors such as ROE and investment plans. Future research could add variables such as ROA, NPM, or FCF and use a time series or panel data approach for more comprehensive results.Keywords: Quick Ratio, Debt to Equity Ratio, Dividend Payout Ratio
Co-Authors M. Djauhari