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All Journal Jurnal Kolaboratif Sains Jurnal Ragam Pengabdian Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Margareth Henrika
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 Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Meningkatkan Literasi Keuangan dan Kesadaran Lingkungan melalui Edukasi Kreatif untuk Anak-Anak di Desa Jembayan Dalam Margareth Henrika; Annisa Mawardah
Jurnal Ragam Pengabdian Vol. 2 No. 3 (2025): September-Desember "Community Empowerment Through Digital Literacy Programs to
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/g5y7a891

Abstract

This study examines the impact of the "Gemar Menabung dengan Celengan Kreatif" program on enhancing financial literacy and saving habits among elementary school children in rural areas. The program integrates creativity with financial education by involving students in hands-on activities, such as creating piggy banks from recycled bottles. The aim was to foster an understanding of saving and financial management while also raising environmental awareness. Using a combination of pre-test and post-test assessments, as well as qualitative methods like interviews and observations, the study evaluates the effectiveness of this creative educational approach. The results demonstrate significant improvements in the children’s understanding of financial concepts, with increased motivation to save. The hands-on nature of the activities led to higher engagement, and students showed a greater understanding of the link between money management and their daily lives. Additionally, the creative aspect of the program contributed to increased environmental consciousness. This study contributes to the existing body of knowledge by highlighting the effectiveness of integrating financial literacy with creative projects in rural education. The findings suggest that similar programs could be scaled up in other rural areas, providing valuable insights for further research on long-term behavioral changes and the role of community involvement in financial education.  
Pengaruh CO2 Emmision, Cash Holding dan Leverage Terhadap Keputusan Investasi pada Sektor Pertambangan di Indonesia Farhan Akmal Nuryadin; M. Amin Kadafi; Margareth Henrika
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/crhtqn90

Abstract

This study aims to analyze the effect of CO₂ Emissions, Cash Holding, and Leverage on investment decisions in mining sector companies in Indonesia. This research employs a quantitative approach using secondary data obtained from the financial statements of companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. The sampling technique used is purposive sampling. The data analysis method applied is panel data regression with a Fixed Effect Model. The results show that partially, CO₂ Emissions and Leverage do not have a significant effect on investment decisions, while Cash Holding has a negative and significant effect on investment decisions. This indicates that companies tend to retain cash as a precautionary measure against uncertainty, thereby reducing investment realization. Simultaneously, all independent variables have a significant effect on investment decisions. These findings suggest that internal financial factors remain the primary consideration compared to environmental factors in investment decision-making within the mining sector in Indonesia. This study is expected to contribute to the existing literature and provide insights for management and investors in determining optimal investment strategies.  
Bibliometric Analysis of Decision-Making Models in The Context of Bounded Rationality Ananda Lydia Putri Salwa; Kaisar Khoirul Alwan; Muhammad Rizqullah; Risna Lulu'ul Maknun; Sabrina Perlita; Margareth Henrika; Muhammad Ramadhani Kesuma
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/z6ngcf43

Abstract

This study maps the intellectual landscape of decision-making models within the bounded rationality framework, specifically as it applies to financial management research. A systematic bibliometric analysis was conducted on publications retrieved from Scopus and Web of Science, covering the period from the 2000 to 2026 and analyzed using VOSviewer software.Publication trends exhibit a fluctuating yet upward trajectory concentrated in the most recent period, while inter-author and inter-country collaboration networks remain underdeveloped. Keyword co-occurrence analysis identifies bounded rationality as the conceptual core of the field, with visible thematic evolution from formal decision theory toward behavioral finance and artificial intelligence integration.Financial practitioners and policymakers should incorporate behavioral and cognitive constraints into decision-support frameworks, particularly in investment and risk management contexts.This paper contributes a systematic cartography of bounded rationality scholarship in financial management, identifying understudied themes and open directions for future research.
Pengaruh Citra Merek dan Harga Terhadap Keputusan Pembelian Konsumen Kopi Kenangan Irma Irma; Revita Mariska; Naila Riska Rahmadani; Syarifah Najlaa Az Zahrah; Annisa Husnul Khotimah; Margareth Henrika; Lusiana Desy Ariswati
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/1tjg6n93

Abstract

This study aims to analyze the effect of brand image and price on the purchasing decisions of Kopi Kenangan consumers in Samarinda City. The research employed a quantitative approach with a causal associative method. Data were collected through the distribution of Likert-scale questionnaires to 100 respondents selected via purposive sampling technique. The data analysis technique used was multiple linear regression analysis, preceded by classical assumption tests including normality and multicollinearity tests using SPSS. The results of the classical assumption test showed that the residual data were normally distributed (Monte Carlo Sig. = 0.490) and free from multicollinearity. The partial hypothesis test (t-test) revealed a surprising finding: brand image had no significant effect on purchasing decisions (Sig. = 0.332). Conversely, price exerted a positive and highly significant effect on purchasing decisions (Sig. < 0.001) and acted as the dominant driver. Simultaneously (F-test), brand image and price significantly influenced purchasing decisions (Sig. < 0.001) with a coefficient of determination (R2) of 0.401. This study concludes that for the undergraduate student segment, economic rationality regarding price overrides brand prestige when making purchasing decisions.
Pengaruh Event In-Game, Skin In-Game, dan Promosi In-Game Mata Uang terhadap Loyalitas Pemain Online Mobile Games pada Generasi Z di Kota Samarinda Ricardo Jonathan Andorion; Vino Aditia Safutra; Musaid Dzakwan; Muhammad Hendy; Muhammad Bairahim; Margareth Henrika; Lusiana Desy Ariswati
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/27e0ra55

Abstract

Penelitian ini menganalisis pengaruh event in-game, skin in-game, dan promosi in-game currency terhadap loyalitas pemain mobile online game Generasi Z di Kota Samarinda. Metode kuantitatif dengan pendekatan survei digunakan terhadap 70 responden yang memenuhi kriteria. Analisis data dilakukan melalui uji validitas, reliabilitas, asumsi klasik, regresi linear berganda, uji F, uji t, dan koefisien determinasi menggunakan SPSS. Hasil penelitian menunjukkan bahwa secara simultan ketiga variabel berpengaruh signifikan terhadap loyalitas pemain (F hitung = 14,715; signifikansi 0,000) dengan kontribusi sebesar 40,1%. Namun, secara parsial hanya skin in-game yang berpengaruh positif dan signifikan (t hitung = 3,281; signifikansi 0,002), sedangkan event in-game (0,055) dan promosi in-game currency (0,827) tidak berpengaruh signifikan. Temuan ini menegaskan bahwa skin in-game merupakan faktor dominan dalam membangun loyalitas Generasi Z di Samarinda. Penelitian ini memberikan implikasi bagi pengembang game untuk memprioritaskan strategi berbasis skin serta membuka peluang eksplorasi variabel lain seperti keterikatan emosional dan hubungan sosial.
Who Decides the Household Budget? Bibliometric Insights into Intrahousehold Dynamics Abraham Peeter Bongiovi Simangunsong; Feryanto Feryanto; Tunggul Halomoan Sinaga; Margareth Henrika; Muhammad Ramadhani Kesuma
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/3b4dvz96

Abstract

This study conducts a bibliometric analysis of intrahousehold financial management research, drawing on 135 journal articles indexed in Scopus. Using VOSviewer, the analysis maps co-authorship networks, country collaborations, and keyword co-occurrence patterns to reveal the intellectual and social structure of the field. Results show a concentrated co-authorship network led by a small group of researchers, primarily from Japanese institutions, and a country collaboration pattern centered on the United States with strong links to Japan and several developing countries. Keyword analysis identifies gender as the central organizing concept, connected to four distinct thematic clusters focused on resource allocation, bargaining processes, decision-making and financial literacy, and broader social outcomes such as poverty and gender equality. These findings indicate that contemporary scholarship emphasizes gender disparities and bargaining power within households, particularly in developing contexts, while behavioral and psychological dimensions remain less integrated. The study highlights opportunities to broaden theoretical perspectives and geographic scope to achieve more comprehensive understandings of household financial practices.  
Meningkatkan Literasi Keuangan di Pedesaan Indonesia: Studi Kasus Pendidikan yang Didukung OJK di Jembayan Dalam Margareth Henrika
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): JANUARI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/j73pet09

Abstract

This study evaluates the effectiveness of a financial literacy program conducted with the Financial Services Authority (OJK) in Jembayan Dalam Village to enhance students' knowledge and financial decision-making skills. The focus is to understand the impact of financial literacy education on budgeting, saving, and money management in a rural context. Using a qualitative approach, data were collected through semi-structured interviews with students and teachers, classroom observations, and analysis of participation logs. The results show a significant improvement in students' financial literacy, particularly in budget planning and saving habits, through interactive learning. Teachers reported that students became more confident in managing finances, with the program being relevant to their daily lives. Student engagement was high, and they began applying financial concepts at home, indicating knowledge transfer to families. This study underscores the importance of financial literacy tailored to the needs of rural communities with limited access to financial resources. The findings contribute to the development of similar programs and suggest the need for further research to assess long-term impacts and the role of digital technology in program delivery.
 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 Abraham Peeter Bongiovi Simangunsong Ananda Lydia Putri Salwa Annisa Husnul Khotimah Annisa Mawardah Chandika Mahendra Widaryo Ellen D. Oktanti Irianto Farhan Akmal Nuryadin Feryanto Feryanto Irma Irma Kaisar Khoirul Alwan Lusiana Desy Ariswati M. Amin Kadafi Muhammad Bairahim Muhammad Hendy Muhammad Ramadhani Kesuma Muhammad Rizqullah Musaid Dzakwan Naila Riska Rahmadani Revita Mariska Ricardo Jonathan Andorion Risna Lulu'ul Maknun Sabrina Perlita Syarifah Najlaa Az Zahrah Tunggul Halomoan Sinaga Vino Aditia Safutra