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All Journal Economic Reviews Journal Liabilitas : Jurnal Ilmiah Akuntansi dan Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Yanti Natalia, Erni
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Orientasi Perbandingan Sosial, Kecerdaan Spiritual Dan Efikasi Diri Terhadap Pengelolaan Keuangan Mahasiswa Akuntansi Batam Rahmawati, Tri Adinda; Yanti Natalia, Erni
Jurnal Liabilitas Vol 11 No 1 (2026): Volume 11 No.1, Februari 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Satya Negara Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54964/liabilitas.v11i1.623

Abstract

The rapid development of digital technology and the ease of access to financial services such as digital banking, e-wallets, and paylater systems pose challenges for students in managing personal finances. Although accounting students academically possess financial knowledge, in practice many of them still demonstrate inadequate financial management behavior. This behavior is influenced by several psychological and social factors, including social comparison orientation, spiritual intelligence, and financial self-efficacy. This study aims to analyze the effect of social comparison orientation, spiritual intelligence, and financial self-efficacy on the financial management behavior of accounting students in Batam City, both partially and simultaneously. This research employed a quantitative method with a descriptive-associative research design. Data were collected through an online questionnaire distributed via Google Form to accounting students at Universitas Internasional Batam, Universitas Universal, and Universitas Ibnu Sina. The sampling technique used was non-probability sampling with a quota sampling method, involving 152 respondents. The measurement instrument used a Likert scale, and the data were analyzed using multiple linear regression analysis. The results indicate that social comparison orientation, spiritual intelligence, and financial self-efficacy have a significant effect on students’ financial management behavior, both individually and simultaneously. This study concludes that psychological and social factors play an important role in shaping the financial management behavior of accounting students in Batam City.
Analisis Faktor-Faktor yang Mempengaruhi Minat Penggunaan Fintech pada UMKM di Kota Batam Raini Indah, Tamara; Yanti Natalia, Erni
Economic Reviews Journal Vol. 5 No. 1 (2026): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v5i1.1060

Abstract

The development of digital technology has driven significant changes in the financial sector through financial technology (fintech), which offers convenience, efficiency, and broader access to financial services, particularly for culinary micro, small, and medium enterprises (MSMEs). However, fintech utilization among MSMEs in Indonesia, including Batam City, remains suboptimal, indicating the influence of various factors. This study aims to analyze the effects of perceived ease of use, perceived usefulness, perceived risk, and trust on fintech usage intention among MSMEs in Batam City. A quantitative approach with a survey method was employed, involving 95 culinary MSMEs selected through random sampling. Data were analyzed using multiple linear regression. The results show that perceived ease of use, perceived usefulness, and perceived risk have a positive and significant effect on fintech usage intention, while trust has a negative effect. Simultaneously, all variables significantly influence fintech usage intention.
Pengaruh Intellectual Capital, BOPO, dan Loan to Deposit Ratio terhadap Profitabilitas BPR Kota Batam Pujatunnisa, Pujatunnisa; Yanti Natalia, Erni
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i4.11327

Abstract

This research investigates the impact of Intellectual Capital, operational efficiency as reflected by the Operating Expenses to Operating Income ratio (BOPO), and the Loan to Deposit Ratio (LDR) on the profitability of Rural Banks in Batam City. Profitability reflects a bank’s effectiveness in managing its assets to generate optimal returns. The study adopts a quantitative research design utilizing secondary data derived from the audited financial statements of Rural Banks officially registered with the Indonesian Financial Services Authority (OJK). The research sample comprises 14 Rural Banks observed over a ten-year period (2015–2024), yielding 140 panel data observations. Data analysis is performed using panel data regression techniques with EViews 12, following appropriate model selection procedures and classical assumption testing. The findings reveal that Intellectual Capital exerts a positive and statistically significant effect on profitability, indicating that the efficient utilization of intangible assets contributes to improved financial performance. In contrast, BOPO demonstrates a negative and significant relationship with profitability, suggesting that higher operational inefficiencies adversely affect earnings. However, the Loan to Deposit Ratio does not show a significant influence on profitability, implying that increased lending activities are not always accompanied by higher profit generation. Overall, the results highlight the critical role of Intellectual Capital development and operational efficiency enhancement in supporting the long-term profitability and sustainability of Rural Banks.
Co-Authors Pujatunnisa, Pujatunnisa Rahmawati, Tri Adinda Raini Indah, Tamara