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Sustainable Investment Strategies: An Analyzing the Interplay Between ESG Ratings, Dividend Policy, Financial Performance, and Investor Trust Rudianto, Pandef; Darmono, Darmono; Tontowi, Arif Jauhar
International Journal of Business, Law, and Education Vol. 5 No. 2 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i2.952

This study investigates the interplay between Environmental, Social, and Governance (ESG) ratings, dividend policy, financial performance, and investor trust. Using data from publicly listed firms, the research examines how ESG performance influences dividend policies and financial outcomes, and how these, in turn, affect investor trust. The results reveal a significant positive relationship between ESG ratings and all dependent variables, with dividend policy serving as a mediator in the ESG-investor trust linkage. Firms with higher ESG ratings demonstrate better financial performance, stable dividend payouts, and increased investor confidence. These findings underscore the strategic importance of ESG integration for enhancing financial stability and market perceptions. The study contributes to the literature by elucidating the mechanisms through which sustainability practices drive corporate success and provides actionable insights for corporate managers, investors, and policymakers.

Unlocking the Investment Mindset: Exploring the Determinants of Capital Market Participation Among Gen Z Rudianto, Pandef; Darmono, Darmono; Jannah, Raudhotul; Suwarno, Suwarno; Masfia, Irma
Journal of Economics, Business, and Accountancy Ventura Vol. 27 No. 3 (2025): December 2024 - March 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v27i3.4703

The Indonesian capital markets have undergone a notable transformation, shifting from a savings-oriented society to one that is increasingly investment-oriented. This shift is particularly evident among Generation Z, who now constitute the majority of investors. In the Berau Regency of East Kalimantan Province, there has been a significant rise in individual stock ownership, reflecting a growing investment interest, especially among younger demographics. This study, conducted using Structural Equation Modeling (SEM) analysis with SmartPLS, examined 203 participants from the Generation Z population in Berau Regency. The findings indicate that financial literacy—encompassing knowledge of personal finance, savings, loans, insurance, and investment—along with financial behavior, plays a critical role in shaping an individual's investment preferences. Additionally, investment expertise was found to be advantageous for investors. However, minimum capital requirements and return on investment were not significant factors influencing investment preferences. In contrast, risk perception positively impacted investment preferences, with considerations spanning financial, social, performance, time, and psychological factors. These results provide valuable insights into the factors influencing investment interest in the capital market, particularly among young investors. To enhance the objectivity and applicability of future research, it is recommended to account for respondents' characteristics, geographical conditions, and more representative samples, as these factors may yield different outcomes.

Unlocking the Investment Mindset: Exploring the Determinants of Capital Market Participation Among Gen Z Rudianto, Pandef; Darmono, Darmono; Jannah, Raudhotul; Suwarno, Suwarno; Masfia, Irma
Journal of Economics, Business, and Accountancy Ventura Vol. 27 No. 3 (2025): December 2024 - March 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v27i3.4703

The Indonesian capital markets have undergone a notable transformation, shifting from a savings-oriented society to one that is increasingly investment-oriented. This shift is particularly evident among Generation Z, who now constitute the majority of investors. In the Berau Regency of East Kalimantan Province, there has been a significant rise in individual stock ownership, reflecting a growing investment interest, especially among younger demographics. This study, conducted using Structural Equation Modeling (SEM) analysis with SmartPLS, examined 203 participants from the Generation Z population in Berau Regency. The findings indicate that financial literacy—encompassing knowledge of personal finance, savings, loans, insurance, and investment—along with financial behavior, plays a critical role in shaping an individual's investment preferences. Additionally, investment expertise was found to be advantageous for investors. However, minimum capital requirements and return on investment were not significant factors influencing investment preferences. In contrast, risk perception positively impacted investment preferences, with considerations spanning financial, social, performance, time, and psychological factors. These results provide valuable insights into the factors influencing investment interest in the capital market, particularly among young investors. To enhance the objectivity and applicability of future research, it is recommended to account for respondents' characteristics, geographical conditions, and more representative samples, as these factors may yield different outcomes.

The Impact of Digital Literacy, Income, and Financial Literacy on Investment Choices with Financial Behavior as a Mediating Factor Among Healthcare Professionals in Berau Regency Kushardono, Lucky; Bayu, Muhammad; Muslimin, Muslimin; Rudianto, Pandef
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9992

In the digital age, healthcare professionals are required to possess not only healthcare competencies but also financial and digital literacy to support better financial management and investment decision-making. Unhealthy financial behaviors, such as excessive spending and minimal allocation of funds for investment, are major obstacles. Additionally, low skills in utilizing digital platforms increase the risk of becoming a victim of fraudulent investments. This research aims to address this phenomenon by studying healthcare workers in Berau Regency, using the Structural Equation Modeling (SEM) approach. The research findings indicate that financial literacy does not directly influence the financial behavior of healthcare workers. Conversely, digital literacy and income have a positive and significant influence on financial behavior. Research has proven that favorable financial behavior not only enhances investment decision-making ability but also significantly mediates the influence of digital literacy and income on investment decisions. Financial literacy also has a positive direct impact on investment decisions, but this influence is not mediated by financial behavior, while digital literacy does not have a direct impact on investment decisions. Revenue plays an important role in supporting optimal and sustainable investment decisions. This finding provides a basis for the government and the Berau District Health Office to design financial and digital literacy education programs. Furthermore, this study's findings offer valuable insights to healthcare professionals about managing income and making investments that promote long-term well-being.

The Impact of Digital Literacy, Income, and Financial Literacy on Investment Choices with Financial Behavior as a Mediating Factor Among Healthcare Professionals in Berau Regency Kushardono, Lucky; Bayu, Muhammad; Muslimin, Muslimin; Rudianto, Pandef
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9992

In the digital age, healthcare professionals are required to possess not only healthcare competencies but also financial and digital literacy to support better financial management and investment decision-making. Unhealthy financial behaviors, such as excessive spending and minimal allocation of funds for investment, are major obstacles. Additionally, low skills in utilizing digital platforms increase the risk of becoming a victim of fraudulent investments. This research aims to address this phenomenon by studying healthcare workers in Berau Regency, using the Structural Equation Modeling (SEM) approach. The research findings indicate that financial literacy does not directly influence the financial behavior of healthcare workers. Conversely, digital literacy and income have a positive and significant influence on financial behavior. Research has proven that favorable financial behavior not only enhances investment decision-making ability but also significantly mediates the influence of digital literacy and income on investment decisions. Financial literacy also has a positive direct impact on investment decisions, but this influence is not mediated by financial behavior, while digital literacy does not have a direct impact on investment decisions. Revenue plays an important role in supporting optimal and sustainable investment decisions. This finding provides a basis for the government and the Berau District Health Office to design financial and digital literacy education programs. Furthermore, this study's findings offer valuable insights to healthcare professionals about managing income and making investments that promote long-term well-being.

The Interplay of Financial Literacy, Financial Inclusion, and Risk-Taking on MSME Performance Sulistiono, Agus; Bayu, Muhammad; Munawaroh, Siti; Rudianto, Pandef
MES Management Journal Vol. 4 No. 3 (2025): MES Management Journal
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mesman.v4i3.937

Micro, Small, and Medium Enterprises (MSMEs) play an important role in driving national economic growth, making efforts to improve their performance crucial. This study, conducted on MSME actors in Tanjung Redeb District using the Structural Equation Modeling (SEM) approach, shows that financial literacy and financial inclusion are the main factors influencing MSME performance. These two aspects not only encourage business owners to be more willing to take calculated risks but also strengthen their ability to manage capital, plan their businesses, and innovate in the face of business challenges. This finding confirms that increased financial literacy and inclusion have both direct and indirect impacts on optimizing MSME performance through healthier and more strategic risk-taking. Therefore, the results of this research can serve as a reference for MSME actors to continue developing their financial competencies through training and utilizing various sources of information, both from financial institutions, the government, and digital platforms, to strengthen competitiveness and maintain business sustainability amidst increasingly dynamic competition.

Peran Jaksa dalam Penegakan Hukum terhadap Kasus Korupsi dengan Tindak Pidana Pencucian Uang di Indonesia Jannah, Raudhotul; Rani, Destri Maya; Rudianto, Pandef
Indonesian Research Journal on Education Vol. 5 No. 1 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i1.2100

Korupsi merupakan masalah fundamental yang menghambat pertumbuhan ekonomi, memperburuk ketimpangan sosial, dan menggerus kepercayaan masyarakat terhadap lembaga negara. Jaksa memiliki peran vital dalam penegakan hukum terhadap kasus korupsi yang sering kali dikaitkan dengan tindak pidana pencucian uang (TPPU). Artikel ini bertujuan untuk menganalisis peran jaksa dalam upaya pemberantasan korupsi dengan pendekatan normatif. Berdasarkan kajian terhadap peraturan perundang-undangan yang berlaku di Indonesia, jaksa diharapkan mampu menjalankan tugas secara efektif dan transparan. Artikel ini menyajikan hasil penelitian normatif, tinjauan pustaka, serta analisis terhadap kasus-kasus korupsi dan TPPU yang ditangani oleh kejaksaan.

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