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All Journal Al-Kharaj: Journal of Islamic Economic and Business E-Jurnal Ekonomi dan Bisnis Universitas Udayana
Nurabiah
University of Mataram
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH PENGELOLAAN KEUANGAN, GAYA HIDUP, DAN MEDIA SOSIAL TERHADAP KEPUTUSAN PENGGUNAAN PAYLATER PADA GENERASI SANDWICH Anak Agung Ngurah Agung Adi Rama Putra Dalem; Nurabiah
E-Jurnal Ekonomi dan Bisnis Universitas Udayana VOLUME.14.NO.10.TAHUN.2025
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEB.2025.v14.i10.p05

Abstract

Penelitian bertujuan mengeksplorasi faktor-faktor yang memengaruhi keputusan penggunaan paylater seperti pengelolaan keuangan, gaya hidup, dan media sosial pada generasi sandwich di Kota Mataram. Penelitian mempertimbangan generasi sandwich sebagai target pasar penggunaan paylater karena memiliki daya beli yang relatif tinggi akibat tekanan finansial ganda. Pendekatan kuantitatif digunakan melalui kuesioner yang melibatkan 302 responden generasi sandwich di Kota Mataram. Data dianalisis menggunakan PLS-SEM pada SmartPLS 4.1.0.9 melalui pengujian model pengukuran dan pengujian model struktural untuk menguji pengaruh antar variabel. Hasil penelitian menunjukkan pengelolaan keuangan tidak berpengaruh terhadap keputusan penggunaan paylater karena generasi sandwich cenderung memiliki kontrol perilaku rendah untuk pengeluaran jangka pendek. Dorongan memenuhi kebutuhan membuat generasi sandwich lebih rentan dalam mengambil keputusan finansial tanpa mempertimbangkan pengelolaan keuangan secara menyeluruh. Sebaliknya, gaya hidup yang didorong oleh ekspektasi sosial maupun kebutuhan emosional memengaruhi keputusan generasi sandwich untuk menggunakan paylater. Media sosial memiliki pengaruh terbesar terhadap keputusan generasi sandwich menggunakan paylater melalui paparan informasi yang tersedia.   The research aims to explore the factors that influence the decision to use paylater such as financial management, lifestyle, and social media in the sandwich generation in Mataram City. The research considers the role of the sandwich generation as the target market for using paylater because they have relatively high purchasing power due to multiple financial pressures. A quantitative approach was used with data collection techniques through questionnaires involving 302 sandwich generation respondents in Mataram City. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.1.0.9 software through measurement model testing and structural model testing to test the influence between variables. The results showed that financial management had no effect on the decision to use Paylater. The sandwich generation tends to have low behavioural control over short-term spending due to the urge to meet daily needs or urgent needs. Conversely, a lifestyle driven by social expectations and emotional needs of the sandwich generation's decision to use paylater. Social media has the greatest influence on the decision to use paylater through exposure to available information. 
The Effect of Ownership Structure on Intellectual Capital Efficiency in Manufacturing Companies Listed on the Indonesia Stock Exchange Ervina Kurniawati; Nurabiah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.12142

Abstract

This study aims to examine the effect of ownership structure on intellectual capital efficiency in manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. The population consisted of all manufacturing companies listed on the IDX throughout the observation period. The sample was selected using a purposive sampling technique based on predetermined criteria, resulting in 161 companies with 483 firm-year observations. Secondary data were obtained from the companies’ annual reports and analyzed using panel data regression with the Fixed Effect Model (FEM). Intellectual capital efficiency was measured using the Modified Value Added Intellectual Coefficient (MVAIC), while ownership structure was proxied by managerial ownership, institutional ownership, foreign ownership, government ownership, and public ownership. The results indicate that managerial ownership, institutional ownership, foreign ownership, and public ownership have no significant effect on intellectual capital efficiency. In contrast, government ownership has a significant negative effect on intellectual capital efficiency. These findings suggest that ownership structure is not the primary determinant of intellectual capital efficiency. Instead, the efficient management and utilization of strategic resources play a more important role in enhancing intellectual capital efficiency. This study contributes empirical evidence on the relationship between ownership structure and intellectual capital efficiency in Indonesian manufacturing companies and provides practical implications for corporate management to focus on strengthening strategic resource management rather than relying solely on ownership structure to improve intellectual capital efficiency.
Co-Authors Anak Agung Ngurah Agung Adi Rama Putra Dalem Ervina Kurniawati