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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal Business, Management and Innovation Review
Susilaningtyas Budi Kurniawati
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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The Influence of Students' Financial Understanding and Life Style on Interest in Using Technology-Based Loans (Pinjol) in the Era of Financial Services Digitalization : Case Study on Students at Solo Raya University Dinda Mutiara Astuty; Susilaningtyas Budi Kurniawati; Syahriar Abdullah
International Journal Business, Management and Innovation Review Vol. 2 No. 2 (2025): : International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v2i2.143

Abstract

This study aims to analyze the influence of students' financial understanding and lifestyle on interest in using technology-based loans or online loans. Due to the ease of access to financial services in this era of digitalization, students have a variety of options to meet their financial needs, including online loans. This study uses a quantitative approach and uses primary data through questionnaires that are distributed to students as respondents. The results of the research analysis showed that financial understanding did not have a significant effect on the interest in using online loans, while on the contrary, lifestyle had a significant effect on the interest in using online loans. These findings show that students' tendency to consumptive lifestyles or lifestyle behavior patterns determine their interest in using online loans compared to financial literacy levels. Therefore, wise lifestyle management needs to be the focus in efforts to educate students so that the use of loan services can be carried out responsibly.
Pengaruh Struktur Modal, Ukuran Perusahaan dan Profitabilitas Terhadap Nilai Perusahaan Perbankan yang Tercatat di BEI pada 2020-2022 Elva Elfiana; Susilaningtyas Budi Kurniawati; Supartini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.2275

Abstract

This study aims to examine the effect of capital structure, company size and profitability on the value of banking sector companies. Capital structure variables are proxied with Debt to Equity Ratio (DER), company size variables are proxied with natural logarithms of total assets, profitability is proxied by Return on Equity (ROE) and company value is proxied by Price to Book Value (PBV). In this study using a verifiative descriptive research method with a quantitative approach. The data in this study is secondary data obtained from the Indonesia Stock Exchange. The sample used was 138 out of 46 banking companies listed on the Indonesia Stock Exchange in 2020-2022. The data processing technique uses multiple linear regression analysis using SPSS version 25. The results of this study show that capital structure has no effect on the value of the company. While the size of the company and profitability affect the value of the company.
Co-Authors Abdullah, Syahriar Dinda Mutiara Astuty Elva Elfiana Supartini