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The Influence of Financial Literacy, Lifestyle, Income and Locus of Control on Financial Behaviour of The Millenial Generation (Case Studies on Millenial Generation of Master of Management Students at Mercu Buana University) Arnis Susanti, Anestesia; Aisyah F. Pulungan, Nur
Journal of Accounting and Finance Management Vol. 6 No. 2 (2025): Journal of Accounting and Finance Management (May - June 2025)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v6i2.2060

Abstract

In summary, this study examines how lifestyle, income, locus of control, and financial literacy affect financial behavior in a case study of Mercu Buana University's millennial Master of Management students. With a sample size of 120, the study's population consisted of 441 Mercu Buana University Master of Management students. Descriptive analysis and Structural Equation Model Partial Least Square (SEM-PLS) are used in the data analysis procedure. According to the study's findings, financial behavior is positively and significantly impacted by financial literacy, positively and significantly impacted by lifestyle, positively and significantly impacted by income, and positively and significantly impacted by locus of control.
Risk Management Implementation of Conventional Bank Profitability Using the Ceo's Power as a Moderator Variable During the Covid-19 Pandemic Sasongko, Seno; Aisyah F. Pulungan, Nur
Journal of World Science Vol. 2 No. 2 (2023): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v2i2.166

Abstract

This study aims to examine the effect of risk management implementation on profitability of conventional commercial banks with CEO tenure as moderator variable during the covid-19 pandemic. This research is included in the hypothesis testing study. All banking companies listed on the Indonesia Stock Exchange (IDX) during the 2020-2021 period are the population in this research. The sampling method was carried out by purposive sampling. F-count obtained the number 128.114 with a probability number of 0,000. This probability number is less than 0.05, so it can be said that the model is fit or appropriate and can be used to estimate profitability; in other words, it can be stated that NPL, NIM, LDR, BOPO, CEOTENURE *NPL, CEOTENURE*NIM, CEOTENURE*LDR, CEOTENURE*BOPO together -same effect simultaneously on profitability (ROA). NPL has a positive effect and its value is not significant to the ROA of conventional commercial banks. NIM has a positive influence and a significant value on the ROA of conventional commercial banks. LDR has a negative and insignificant effect on the ROA of conventional commercial banks. BOPO has a negative and significant impact on conventional commercial bank ROA. CEO Tenure cannot moderator the effect of NPL on the ROA of conventional commercial banks. CEO Tenure can moderator NIM's influence on conventional commercial banks' ROA. CEO Tenure cannot moderator LDR's effect on conventional commercial banks' ROA. CEO Tenure can moderator the influence of BOPO on the ROA of conventional commercial banks.