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All Journal Jurnal Kolaboratif Sains Journal of Financial Economics & Investment Ekopedia: Jurnal Ilmiah Ekonomi Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Indonesia Economic Journal
Lusiana Desy Ariswati
Universitas Mulawarman
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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FACTORS INFLUENCING USER PERCEPTIONS OF QRIS IN THE DIGITAL PAYMENT ECOSYSTEM Libran Filani; Lusiana Desy Ariswati
Journal of Financial Economics & Investment Vol. 6 No. 2 (2026): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

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

Abstract

This study examines the factors influencing the perceived usefulness of the Quick Response Code Indonesian Standard (QRIS) among Generation Z in the supporting regions of the Nusantara Capital City (IKN), namely Samarinda, Balikpapan, Kutai Kartanegara, and Penajam Paser Utara. Using the Technology Acceptance Model (TAM), this research analyzes the effects of social influence, perceived ease of use, trust, digital experience, and service innovation on perceived usefulness. A quantitative approach was employed, collecting data from 250 respondents aged 18-25 years through an online questionnaire distributed via Google Forms. Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis was used to test the relationships between variables. The results indicate that perceived ease of use and service innovation significantly influence perceived usefulness, explaining 82.7% of its variance, while social influence, trust, and digital experience have no significant effects. These findings emphasize that user-friendly interfaces and innovative features are crucial for enhancing QRIS adoption in developing regions. This study contributes to the theoretical application of TAM in non-metropolitan contexts and offers practical recommendations for improving QRIS adoption through digital infrastructure enhancements and service innovations.
 Sustainable Financial Management Practices and Firm Value: Evidence from Environmentally Responsible Companies in Indonesia Chandika Mahendra Widaryo; Margareth Henrika; Lusiana Desy Ariswati; Muhammad Ramadhani Kesuma; Ellen D. Oktanti Irianto
Jurnal Kolaboratif Sains (Special Issue) - Jurnal Kolaboratif Sains (JKS) - Desember 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i12.9520

Abstract

This study examines how sustainable financial management practices (SFMP) influence firm value in environmentally responsible companies in Indonesia using a phenomenological qualitative approach. The research explores managers’ lived experiences in implementing green capital budgeting, green financing, and green investment, and how these practices shape long-term value creation. Data were gathered through in-depth semi-structured interviews with finance managers, sustainability officers, and key decision-makers, supported by document analysis and limited observations.The findings show that sustainability is embedded in financial decision-making, where investment evaluations consider environmental impact, regulatory compliance, and long-term ecological benefits. Green financing appears as both a structural challenge and a strategic facilitator. While strict ESG requirements demand extensive documentation and verification, they also provide lower capital costs and serve as external validation of sustainability commitments.The study further reveals that green investments are viewed as essential for reducing regulatory and environmental risks, enhancing corporate reputation, and attracting ESG-oriented investors. A cultural shift is evident within firms, characterized by cross-department collaboration, transparency, and a managerial mindset oriented toward sustainability in financial decisions. These changes reinforce governance structures and support institutionalization of sustainability across business functions.Overall, SFMP are perceived to enhance firm value by improving reputation, lowering long-term risks, strengthening investor confidence, and increasing organizational resilience in dynamic regulatory environments. The study concludes that sustainability-driven financial practices play a transformative role in shaping corporate strategy, governance, and market positioning.
Co-Authors Adella Clarisa Pinem Agni Nur Qadria Amelia Munifah Annisa Husnul Khotimah Arini Hudaya Arjuna Fauzan Ahmad Assyfha Nisrina Rahma Ayu Angelisda Paganggi Chandika Mahendra Widaryo Ellen D. Oktanti Irianto Faiz Abdullah Faras Putri Sabina Fitri Rihhadatul Aisy Friska Rhifani Galang Sius Gusti Kayla Fadilah Hafsyari Indri Kalila Hardayani Irma Irma Libran Filani Lydia Ramayza Azzahra Lyra Virna Imanda Margareth Henrika Muhammad Aditya Saputra Muhammad Bairahim Muhammad Damar Andrio Muhammad Fakhi Muhammad Farrel Shah Rajade Muslim Muhammad Hendy Muhammad Ramadhani Kesuma Muhammad Zidan Musaid Dzakwan Naila Riska Rahmadani Natasya Zerlinda Putri Novita Hurai Hibau Nur Lisa Eriyanti Nur Syamsiyah Fauziyah Nurul Shafira Qanita Khairunnisa Darwis Rafa Nathania Putri Raisyah Adindaffa Putri Rania Fitra Bansir Ratna Juwita Resiani Bungan Layuk Restu Amalia Revita Mariska Ricardo Jonathan Andorion Rifatul Hasanah Rohana Nur Aini Serly Lutvia Ikmala Shafa Niswa Az-zahra Syahfiah Syahfiah Syarifah Najlaa Az Zahrah Vino Aditia Safutra