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Dedi Hariyanto
Universitas Muhammadiyah Pontianak, Pontianak, Indonesia
Economics, Econometrics & Finance

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The Effect of Digital Financial Literacy, Digital Lifestyle, and Perceived Ease of Use on the Financial Management of E-Wallet Users among Students in Pontianak Nia Aprianti; Dedi Hariyanto; Heni Safitri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to identify the effect of digital financial literacy, digital lifestyle, and perceived ease of use on the financial management of student e-wallet users in Pontianak City. This study uses an associative method. The population in this study consists of all active students domiciled in Pontianak City, with a sample of 150 respondents determined using purposive sampling techniques. Instrument testing techniques in this study include validity and reliability tests. Furthermore, the classical assumption tests used consist of normality, linearity, and multicollinearity tests. Hypothesis testing was carried out using multiple linear regression analysis, correlation coefficient, coefficient of determination, simultaneous test (F test), and partial test (t test). Based on the simultaneous test results, the calculated F value is 47.857 > the F table value of 2.67 with a significance level of 0.000 < 0.05, which means that digital financial literacy, digital lifestyle, and perceived ease of use simultaneously have a positive and significant effect on the financial management of student e-wallet users in Pontianak City. The partial test results show that digital financial literacy, digital lifestyle, and perceived ease of use individually have a positive and significant effect on financial management.
The Effect of E-Wallet Usage Intensity, Lifestyle, and Income on Personal Financial Management with Self-Control as a Moderating Variable among Private Employees in Pontianak Maulidya Syafira; Heni Safitri; Dedi Hariyanto
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the effect of e-wallet usage intensity, lifestyle, and income on personal financial management, with self-control as a moderating variable among private employees in Pontianak City. The method used is quantitative with moderated regression analysis (Moderated Regression Analysis/MRA). The research sample consisted of 150 respondents selected using purposive sampling techniques. Data were collected through a questionnaire measured using a Likert scale and analyzed with SPSS version 25. The correlation coefficient test showed a strong relationship in the first model (R = 0.725) and a very strong relationship in the second model (R = 0.857) after considering self-control as a moderating variable. The coefficient of determination test (R²) in the first model shows that 52.5% of the variation in personal financial management is influenced by e-wallet usage intensity, lifestyle, and income, while in the second model, the R² value increased to 73.4%, indicating the role of self-control in moderating the relationship between these variables. Based on the Moderated Regression Analysis results, it can be concluded that self-control significantly moderates the effect of income on personal financial management, but does not moderate the effect of e-wallet usage intensity and lifestyle. The F test results show that e-wallet usage intensity, lifestyle, and income simultaneously have a significant effect on personal financial management. This study provides practical implications that to improve personal financial management among private employees in Pontianak City, attention needs to be given to the influence of e-wallet usage intensity, lifestyle, and income, by strengthening self-control to optimize financial management.
The Effect of Green Accounting, Corporate Social Responsibility, and Environmental, Social, and Governance on Firm Value with Profitability as a Moderating Variable in Energy Sector Companies Listed on the Indonesia Stock Exchange Tiara Febria; Heni Safitri; Dedi Hariyanto
JURNAL ECONOMINA Vol. 5 No. 6 (2026): JURNAL ECONOMINA, Juni 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i6.2944

Abstract

This study aims to analyze the effects of Green Accounting, Corporate Social Responsibility (CSR), and Environmental, Social, and Governance (ESG) on Firm Value, with Profitability as a moderating variable, in energy sector companies listed on the Indonesia Stock Exchange in 2024. This study employed a quantitative approach using purposive sampling. The research sample consisted of 66 energy sector companies, and the data were analyzed using Moderated Regression Analysis (MRA). The results indicate that Green Accounting has a positive and significant effect on Firm Value, whereas CSR and ESG do not have significant effects on Firm Value. Profitability has a positive and significant effect on Firm Value. Profitability strengthens the effect of Green Accounting on Firm Value, does not moderate the effect of CSR on Firm Value, and weakens the effect of ESG on Firm Value. Simultaneously, Green Accounting, CSR, ESG, Profitability, and the interaction variables have significant effects on Firm Value. The coefficient of determination of the moderation model is 41.1%, indicating that the variables in the model explain 41.1% of the variation in Firm Value, while the remaining variation is influenced by other factors outside this study.
Co-Authors Ananda Shalsa Qirani Dea Sri Rahayu Dessi Aprilyani Dwi Afriliandy Lasmo Dwi Desi Wulansari Heni Safitri Lisa Amalia Maulidya Syafira Mega Rizki Hasanawati Nia Aprianti Ridwansyah Ridwansyah Salsa Seprilla Rizki Tiara Febria Winda Sibleni