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All Journal Jurnal Multidisiplin Sahombu Jurnal Multidisiplin Indonesia
Seno Hadi
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Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

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Digital Payment Revolution: Reshaping Student Transactions at ISB Atma Luhur Seno Hadi; Krisna Adiyarta; Devi Irawan; Arifin , Arifin
Jurnal Multidisiplin Indonesia Vol. 3 No. 2 (2025): Juni : Jurnal Multidisiplin Indonesia
Publisher : PT. ALHAFI BERKAH INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62007/joumi.v3i2.495

Abstract

This study investigates the factors influencing digital wallet adoption among ISB Atma Luhur Pangkalpinang students through a modified UTAUT model, addressing the growing need for digital payment solutions in higher education. The research uniquely integrates hedonic motivation, habit, and promotion factors into the UTAUT framework, extending our understanding of digital wallet adoption in campus environments.The study employed a quantitative approach, collecting data from 300 students through purposive sampling and analyzing it using Partial Least Square Structural Equation Modeling (PLS-SEM). The findings revealed that performance expectancy emerged as the strongest predictor of behavioral intention (β=0.794), followed by effort expectancy (β=0.585) and hedonic motivation (β=0.353), aligning with Yang et al.'s (2021) observations on digital payment adoption patterns. Behavioral intention demonstrated a robust mediating effect on use behavior (β=0.804), supported by promotion (β=0.581), while social influence and habit showed no significant impact. The research model exhibited strong predictive capability, explaining 87.5% of variance in behavioral intention (R²=0.875) and 75.2% in use behavior (R²=0.752). These findings provide crucial theoretical and managerial implications for developing effective digital wallet adoption strategies in higher education institutions, particularly focusing on enhancing user experience and perceived benefits.
Green Finance and Its Role in Promoting Sustainable Investment in Emerging Markets Subagiya, Subagiya; Miranda Dhyta; Amri, Amri; Seno Hadi
Jurnal Multidisiplin Sahombu Vol. 6 No. 02 (2026): Jurnal Multidisiplin Sahombu, 2026
Publisher : Sean Institute

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Abstract

This study comprehensively examines the role of green finance as a catalyst for sustainable investment in emerging markets, focusing specifically on Indonesia. Employing a quantitative research design integrating panel data regression, propensity score matching, and event study methodologies, this research analyzes the relationship between green finance instruments including green bonds, green loans, and ESG integration and sustainable investment outcomes. The empirical findings demonstrate that access to green finance significantly increases sustainable investment volumes by approximately 15 20%, while ESG integration positively affects corporate financial performance with a one standard deviation increase in ESG scores associated with 0.8 1.2 percentage points ROA improvement. Results validate five key hypotheses linking green finance availability, ESG integration, policy frameworks, sustainable banking practices, and institutional investor behavior to sustainable investment outcomes. The study reveals that policy support through Indonesia's Sustainable Finance Roadmap significantly enhances green bond issuance and lending volumes, while sustainable banking practices enable financial institutions to allocate 12 18% of loan portfolios to green lending. Market responses to green bond issuances present mixed results, indicating investors are still learning about green finance instrument valuation. The research provides substantial practical implications for policymakers, financial institutions, corporations, and investors, emphasizing the importance of comprehensive policy frameworks, ESG integration, and credible disclosure mechanisms in advancing sustainable finance in emerging market contexts.
Co-Authors Amri Amri Arifin , Arifin Devi Irawan Krisna Adiyarta Miranda Dhyta Subagiya Subagiya