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Edy Suryadi
Universitas Muhammadiyah Pontianak, Pontianak, Indonesia
Economics, Econometrics & Finance

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The Influence of Financial Behavior, Income, and Risk on the Use of Shopee PayLater among the People of Singkawang City with Locus of Control as a Moderating Variable Elfi Hiddaryah; Edy Suryadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8029

Abstract

This study aims to analyze the influence of financial behavior, income, and risk on the use of Shopee PayLater services in Singkawang City, with locus of control serving as a moderating variable. The research employs an associative quantitative approach. A total of 150 active Shopee PayLater users were selected as respondents using purposive sampling. The research instruments were tested for validity and reliability, followed by data analysis through multiple linear regression and Moderated Regression Analysis (MRA). The results indicate that financial behavior and income have a significant positive effect on the use of Shopee PayLater, while risk does not show a significant influence. Locus of control is proven to moderate the relationship between financial behavior and income with the use of Shopee PayLater, but it does not moderate the relationship between risk and the use of the service. These findings suggest that individuals with a high level of self-control tend to use digital credit services more wisely. This study offers a meaningful contribution to understanding the psychological and financial factors that influence consumer behavior in using digital financial services in the era of financial technology.
The Influence of Financial Knowledge, Financial Attitude, and Financial Inclusion on Financial Management Behavior Among F&B MSME Actors in Pontianak Rangga Adrianur; Edy Suryadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and financial inclusion on financial management behavior among F&B MSME actors in Pontianak City. The research employs a quantitative associative method involving 150 respondents, with data analyzed using multiple linear regression in SPSS 25. The results show that the model is significant (F = 341.453; Sig. 0.000) with a strong relationship (R = 0.936) and high explanatory power (R² = 0.875). Partially, financial knowledge (t = 7.365; Sig. 0.000) and financial inclusion (t = 4.413; Sig. 0.000) have a positive and significant effect on financial management behavior, while financial attitude has no significant effect (t = 0.447; Sig. 0.642). In conclusion, enhancing financial literacy and access to financial services can improve the financial behavior of MSME owners. Future research is recommended to include additional variables such as self-control or social norms, expand the study to other sectors or regions, and adopt a longitudinal design to capture behavioral dynamics over time.
Analysis of the Effect of Financial Literacy, QRIS Usage, and Financial Attitude on Personal Financial Management Behavior with Lifestyle as a Moderating Variable in Pontianak Windy Ananda Pratiwi; Edy Suryadi
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 examines the effect of financial literacy, QRIS usage, and financial attitude on personal financial management behavior, with lifestyle as a moderating variable, among QRIS users in Pontianak City. The study employed a quantitative associative design using primary data collected through a structured questionnaire distributed via Google Form. A total of 150 respondents were selected using purposive sampling, and the sample size was determined using the Cochran formula. Data were analyzed using instrument tests (validity and reliability), classical assumption tests, and Moderated Regression Analysis (MRA). The results indicate that financial attitude has a positive and significant effect on personal financial management behavior, while QRIS usage shows a significant negative effect. Lifestyle significantly influences financial management behavior and moderates the relationship between financial attitude and financial management behavior. However, lifestyle does not moderate the effects of financial literacy and QRIS usage. These findings suggest that strengthening financial attitude and controlling spending behavior in digital transactions are essential to improve personal financial management in the era of QR-based payments.
The Impact of CAMEL ComponenThe Impact of CAMEL Components on Bank Profitability: The Moderating Role of Firm Size in Indonesian Bankingts on Bank Profitability: The Moderating Role of Firm Size in Indonesian Banking Monica Lyras Ayunda; Edy Suryadi
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 investigates the determinants of bank profitability in Indonesia using the CAMEL framework with firm size as a moderating variable, grounded in signaling theory. The research examines how capital adequacy, asset quality, earnings capacity, operational efficiency, and liquidity function as financial signals that influence bank profitability. The sample consists of banking companies listed on the Indonesia Stock Exchange during the period 2020-2024, comprising 140 firm-year observations. Multiple linear regression and Moderated Regression Analysis (MRA) are employed to assess both direct and moderating effects on profitability, measured by Return on Assets (ROA). The empirical results indicate that Net Interest Margin (NIM) has a positive and statistically significant effect on ROA, while the Operating Expenses to Operating Income Ratio (BOPO) and Loan to Deposit Ratio (LDR) exhibit significant negative effects, underscoring the importance of earnings efficiency, cost control, and prudent liquidity management in enhancing bank profitability. In contrast, Capital Adequacy Ratio (CAR) and Non-Performing Loans (NPL) do not show significant direct effects on ROA, suggesting that regulatory standardization and effective risk management may limit their short-term influence on profitability. Furthermore, firm size does not directly affect ROA but significantly moderates the relationship between credit risk and profitability, indicating that larger banks are better equipped to absorb adverse credit risk. This study contributes to the banking literature by providing empirical evidence from an emerging market context and reinforcing the relevance of signaling theory in explaining how financial indicators shape bank profitability.
The Influence of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being among University Students Using Paylater in Pontianak City Dwi Kartika; Edy Suryadi
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 determine the influence of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being among university students using paylater in Pontianak City. This study uses an associative method. The population in this study consists of university students in Pontianak City who use paylater services for transactions, 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 conducted using multiple linear regression analysis, correlation coefficient, coefficient of determination, simultaneous test (F test), and partial test (t test). Based on the results of multiple linear regression analysis, the regression equation obtained is Y = 1.509 + 0.254X₁ + 0.433X₂ − 0.064X3. The correlation coefficient results show a value of 0.769, meaning there is a strong relationship between Financial Knowledge, Financial Self-Efficacy, and Financial Stress on Financial Well-Being. The coefficient of determination shows a value of 0.592, meaning that Financial Well-Being is influenced by Financial Knowledge, Financial Self-Efficacy, and Financial Stress by 59.2%, while the remaining 40.8% is influenced by other variables not examined in this study. The simultaneous test results indicate that Financial Knowledge, Financial Self-Efficacy, and Financial Stress together have a positive and significant influence on Financial Well-Being. Based on the partial test results, it is known that Financial Knowledge and Financial Self-Efficacy have a positive and significant influence on Financial Well-Being. Meanwhile, Financial Stress separately has a negative and significant influence on Financial Well-Being.
Co-Authors Dwi Kartika Elfi Hiddaryah Monica Lyras Ayunda Rangga Adrianur Windy Ananda Pratiwi