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All Journal Jurnal Multidisiplin Sahombu
Pandin, Maria Yovia R
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Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

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The Role of Price to Earning Ratio as an Intervening Variable in the Relationship Between Financial Ratios and Stock Returns of Transportation Sector Issuers on the Indonesia Stock Exchange During the 2020–2024 Period Boquifai, Petronela Maria Merces da Costa; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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This study investigates the role of the Price to Earning Ratio (PER) as a mediating variable in the relationship between financial ratios, Return on Assets (ROA), Current Ratio (CR), and Debt to Equity Ratio (DER. and stock returns of transportation companies listed on the Indonesia Stock Exchange (IDX) from 2020 to 2024. Employing a quantitative approach with Structural Equation Modeling (SEM) using SmartPLS, the analysis reveals that CR and DER significantly influence PER, while ROA does not. However, PER does not significantly affect stock returns, indicating it is not an effective mediating variable. Additionally, the direct effects of ROA, CR, and DER on stock returns are also statistically insignificant. These findings suggest that stock returns in the transportation sector are more influenced by external factors, such as macroeconomic conditions and investor sentiment, than by internal financial metrics. The study contributes to the financial literature by emphasizing the limited role of traditional financial ratios in predicting stock performance within this sector.
Analysis of the Effect of Profitability, Solvency, and Activity Ratios on Firm Value in Conventional Banks in Indonesia During the 2021–2024 Period Araujo, Delia Iria Magno de; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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This study aims to analyze the effect of profitability, solvency, and activity ratios on firm value in conventional banks listed on the Indonesia Stock Exchange (IDX) during the 2021–2024 period. The financial ratios examined include Return on Assets (ROA), Return on Equity (ROE), and Debt to Equity Ratio (DER), while firm value is measured using stock prices. The research employs a quantitative approach with multiple linear regression analysis, supported by SPSS version 27. Data were collected from audited annual reports of 15 conventional banks selected through purposive sampling. The results indicate that ROA, ROE, and DER have a significant simultaneous and partial influence on stock prices. The regression model passes all classical assumption tests and demonstrates an R² value of 0.68, meaning 68% of the variation in stock prices can be explained by the three financial ratios. These findings highlight the importance of financial performance as a determinant of firm value in the banking sector.
The Influence of Financial Literacy and Fintech Usage on Investment Interest Among Generation Z in Jakarta: The Mediating Role of Financial Self-Efficacy Frimayasa, Agtovia; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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This study aims to analyze the influence of financial literacy and fintech usage on investment interest among Generation Z in Jakarta, with financial self-efficacy as a mediating variable. Using a quantitative explanatory research design, data were collected from 100 respondents aged 18–27 through purposive sampling. Structural Equation Modeling using SmartPLS was employed to test direct and indirect relationships among variables. The results reveal that both financial literacy and fintech usage significantly influence investment interest, with fintech usage showing the strongest effect. Financial self-efficacy also plays a significant mediating role, bridging the gap between knowledge, technology access, and investment behavior. These findings highlight the importance of combining financial education, digital access, and psychological empowerment to enhance investment participation among youth. The study contributes to behavioral finance literature and provides insights for policymakers and fintech developers in designing inclusive and confidence-building financial programs for young investors.
The Transformation of Timor Leste's Financial System: From a Cash Based Economy to Digital Financial Inclusion Maia, Fonseca de Jesus; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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This study explores the transformation of Timor Leste’s financial system from a cash-based economy toward inclusive digital finance. Using a qualitative approach and secondary data analysis, the research examines the structural barriers of a cash-dominated system, the progress of digital initiatives, and the strategic steps required for sustainable transformation. Findings reveal that while over 70% of transactions are still cash-based, financial access points have increased by 200% between 2019 and 2020. Initiatives such as mobile wallets and branchless banking have shown promise but are hindered by poor infrastructure, weak regulatory frameworks, and low digital and financial literacy. The study identifies strong potential in the country’s young demographic and high mobile phone penetration. A phased five-year strategy is recommended, emphasizing infrastructure development, regulatory reform, and public trust-building. This research contributes to the discourse on financial inclusion in emerging economies and offers practical insights for policymakers, financial institutions, and development partners in Timor Leste.
Fiscal Dependence of Timor-Leste on the Oil and Gas Sector: Challenges of Economic Diversification Ximenes, Elias; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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This study analyzes the fiscal dependence of Timor-Leste on the oil and gas sector and the associated challenges in achieving economic diversification. Using a quantitative descriptive approach and time-series secondary data from 2010 to 2023, the findings reveal that oil and gas revenues constitute 85–90% of the state’s total income. This high dependency has led to a vulnerable fiscal structure and limited progress in diversifying the economic base. Regression results show that fiscal dependence negatively affects economic diversification, while infrastructure, GDP per capita, and human development have significant positive impacts. Timor-Leste also ranks lowest among comparable countries in export diversification and structural balance. The study recommends a strategic shift toward investment in non-oil sectors such as agriculture, tourism, and light manufacturing, supported by institutional reform and human capital development. These efforts are essential to reduce fiscal risks and build a more resilient and inclusive economy.
The Influence of Operational Efficiency, Credit Risk, and Market Risk on the Profitability of State-Owned Banks Listed on the Indonesia Stock Exchange Magalhaes, Cancio Andhika Irawan; Pandin, Maria Yovia R; Kusmaningtyas, Amiartuti
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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This study aims to examine the influence of operational efficiency, credit risk, and market risk on the profitability of state-owned banks listed on the Indonesia Stock Exchange during a post-crisis period. Using a quantitative approach and multiple linear regression analysis, the research investigates the relationship between BOPO, NPL, and NIM as independent variables, and ROA as the dependent variable. The findings indicate that all three variables have a significant impact on profitability, both partially and simultaneously. Interestingly, both BOPO and NPL exhibit a positive relationship with ROA, suggesting possible institutional factors or strategic management decisions unique to state-owned banks. Meanwhile, NIM shows a consistent positive effect, reinforcing its role in profit generation. The model satisfies all classical assumptions and demonstrates strong explanatory power. These results offer valuable insights for policymakers and banking practitioners in improving financial performance and managing key financial indicators in the state banking sector.
Co-Authors Agtovia Frimayasa, Agtovia Amiartuti Kusmaningtyas Araujo, Delia Iria Magno de Boquifai, Petronela Maria Merces da Costa Magalhaes, Cancio Andhika Irawan Maia, Fonseca De Jesus Ximenes, Elias