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All Journal Jurnal Pelita Manajemen Growth: Journal Management and Business
Agustin, Restiana
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Peranan Environmental, Social, Governance dan Resiko Pasar Terhadap Return Saham Haya, Aqila Fadia; Khairunnisa, Jihan; Agustin, Restiana; Lestari, Pinnah Ayu; Kustina, Lisa
JURNAL PELITA MANAJEMEN Vol. 4 No. 01 (2025): Mei 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jpm.v4i01.5751

Abstract

Angka investor di Indonesia bertambah pada indeks saham berbasis Environmental, Sosial dan Governance (ESG) yang mana hal ini juga meningkatkan return saham dalam beberapa tahun terakhir ini. Tujuan dari penelitian ini yaitu untuk mengetahui pengaruh environmental, social, governance dan risk terhadap return saham pada bank konvensional tahun 2019-2023. Teknik pengambilan sampel pada penelitian ini menggunakan teknik Purposive sampling dengan menghasilkan 10 sampel dari 105 bank umum yang memenuhi kriteria. Analisis data yang dilakukan dengan uji analisis deskriptif, uji pemilihan model (uji chow, uji hausman), uji asumsi klasik (uji multikolinearitas, uji heterokedastisitas), regresi data panel (persamaan regresi data panel), dan uji hipotesis (uji t, uji f, dan uji koefisien determinasi). Berdasarkan hasil penelitian ini menunjukkan bahwa environmental, governance dan risk tidak berpengaruh terhadap return saham. Sedangkan social berpengaruh terhadap return saham. Temuan ini memberikan implikasi bahwa variabel sosial dalam ESG menjadi perhatian utama investor dalam sektor perbankan, sehingga manajemen risiko dan strategi investasi perusahaan perlu mengintegrasikan aspek sosial secara lebih serius guna meningkatkan daya tarik saham di pasar berkelanjutan.
Perception Ease of Use and Fintech Adoption: The Mediating Role of Trust and the Moderating Role of Security Agustin, Restiana; Anjani, Tiya Melida; Khairunnisa, Jihan; Haya, Aqila Fadia
Growth: Journal Management and Business Vol. 3 No. 02 (2025): December 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/growth.v3i02.1000

Abstract

This study examines how perceived ease of use contributes to the intention to use Financial Technology services, considering trust as a mediating variable and security as a moderating variable. The aim of this research is to analyze the influence of perceived ease of use on the intention to use Financial Technology, with trust as a mediator and security as a moderator. The method employed is quantitative, using a survey approach by distributing questionnaires to 89 respondents, the majority of whom are students aged 18–24. The analysis was conducted using Partial Least Squares (PLS). The results indicate that perceived ease of use contributes to the intention to use financial technology and positively influences trust. However, trust does not contribute to the intention to use and does not mediate the relationship between perceived ease of use and the intention to use financial technology. Furthermore, security does not moderate the relationship between perceived ease of use and trust. These findings suggest that ease of use is more dominant in influencing the intention to use financial technology compared to trust and security. Theoretically, this study refines the Technology Acceptance Model (TAM) by affirming the primacy of perceived ease of use while revealing that trust and security play a diminished role among younger users. This finding underscores the contextual nature of TAM, suggesting that usability factors may outweigh relational and safety considerations in shaping financial technology adoption. The practical implication is that financial technology service providers should prioritize ease of access and user experience. The limitation of this study lies in the homogeneity of the respondents' demographics; therefore, further research with a broader scope is recommended to obtain a more representative understanding.
Co-Authors Anjani, Tiya Melida Haya, Aqila Fadia Khairunnisa, Jihan Kustina, Lisa Lestari, Pinnah Ayu