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EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)
Published by Forum Kerjasama Pendidikan TInggi
ISSN : -     EISSN : 2685869X     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
1. Auditing, 2. Financial Management, 3. Marketing Management, 4. Strategic Management, 5. Organizational Behavior, 6. Operations Management, 7. Change Management, 8. Management of Sharia, 9. Knowledge Management 10.Entrepreneurship, 11.E-Business, 12.Business Management, 13.Capital Market, 14.Risk Management, 15.Syariah banking, 16.Economics of Sharia, 17.Islamic Capital Market, 18.Financial accounting, 19.Managerial accounting, 20.Behavioral accounting, 21.Tax accounting, 22.Public Sector Accounting, and 23.Syariah accounting
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 597 Documents
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Peran Literasi Keuangan dan Literasi Digital dalam Meningkatkan Kinerja UKM Kurnia, Meydica Indah; Indriani, Rini
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7283

Abstract

This study analyzes the role of financial literacy and digital literacy in improving the performance of medium-sized enterprises in Bengkulu City. The main problem studied is the low growth rate of MSMEs due to limited understanding of finance and digital technology. The study used a quantitative approach with purposive random sampling technique on 273 respondents from a population of 1,102 medium enterprises. Data were collected through a questionnaire measured by a Likert scale and analyzed using multiple linear regression. Prior to analysis, data quality test, classical assumption test, and model feasibility test were conducted. The results showed that financial literacy has a significant positive effect on the performance of medium-sized enterprises with a significance value of 0.001<0.05, proving that an understanding of budgeting, savings, loans, and investments contributes to performance optimization. Digital literacy also has a significant positive effect on business performance with a significance value of 0.001<0.05, indicating that the ability to utilize digital technology increases efficiency and competitiveness. The coefficient of determination of 73,7% indicates that both variables play an important role in explaining the performance of medium-sized enterprises. The study concluded that strengthening financial and digital literacy is an effective strategy to improve the performance of medium-sized enterprises in facing the competitive digital economy era.
Pengaruh Promosi Islami dan Kualitas Pelayanan Islami terhadap Minat Nasabah pada Produk Cicil Emas Ula, Zahrotul; Susilo, Edi
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7286

Abstract

This study examines the extent to which Islamic promotion and Islamic service quality affect customer interest in Cicil Emas products at Bank Syariah Indonesia KCP Jepara. The research was conducted with a quantitative approach, using 100 respondents selected through purposive sampling technique based on several criteria, namely BSI KCP Jepara customers who know the Cicil Emas product, have never used it, live in Jepara, and are 21-60 years old. Data was obtained through online questionnaire distribution and analyzed using multiple linear regression with the help of SPSS Statistics 22 software. The findings show that both independent variables have a significant influence on customer interest. Among them, Islamic service quality has the dominant influence with a regression coefficient of 0.464, followed by Islamic promotion at 0.357. The model is able to explain 50.9% of the variation in customer interest in the product, while the remaining 49.1% is influenced by other factors outside this study.
Pengaruh Kecerdasan Emosional dan Spiritual terhadap Pemahaman Akuntansi Keuangan dengan Motivasi Belajar sebagai Intervening Bernica, Femi; Fachruzzaman, Fachruzzaman
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7322

Abstract

This research investigates how emotional and spiritual intelligences affect students’ grasp of financial accounting, with learning motivation serving as an intervening factor. Employing a quantitative design and analyzed through Partial Least Squares–based Structural Equation Modeling (SEM-PLS), data were gathered via questionnaires from 193 accounting undergraduates at the Faculty of Economics and Business, University of Bengkulu (semester 5 or above) who have completed Financial Accounting I, II, and III, selected through purposive sampling. Findings indicate that emotional intelligence exerts a positive, significant direct impact on accounting comprehension, and spiritual intelligence likewise shows a positive, significant influence. However, emotional intelligence does not significantly predict learning motivation, whereas spiritual intelligence strongly drives it. Moreover, learning motivation mediates only the link between spiritual intelligence and accounting understanding, not the connection involving emotional intelligence. These results underscore the value of embedding spiritual dimensions into the curriculum to bolster students’ intrinsic drive and mastery in financial accounting.
Analisis Perilaku Keuangan dan Literasi Keuangan Terhadap Tekanan Financial Bagi Mahasiswa dengan Kemampuan Ekonomi Keluarga sebagai Variabel Moderasi Putriasari, Dea; Fachruzzaman, Fachruzzaman
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7323

Abstract

This study aims to examine the relationship between financial behavior and financial literacy on financial stress experienced by college students, with family economic capacity acting as a moderator variable. Using a quantitative approach, data were collected through structured questionnaires distributed to college students from various economic backgrounds. This study used multiple regression analysis to assess the direct and moderator effects between these variables. The results of the study indicate that financial behavior and financial literacy significantly affect college students' financial stress. College students with higher financial literacy tend to manage their financial stress more effectively. In addition, the moderator role of family economic capacity shows that college students from families with higher economic stability experience less financial stress, even when financial behavior and literacy levels are less than optimal. This study contributes to understanding the dynamics of financial stress in college students, emphasizing the importance of improving financial literacy and considering family economic factors to reduce financial stress. These insights provide valuable implications for educational institutions and policy makers to design targeted financial education programs and support systems for college students.
Pengaruh GCG, DPK, NPF, dan Ukuran Bank terhadap Kinerja Bank Umum Syariah Alfi, Rini Nur; Irsyad, Mohamad
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7340

Abstract

Islamic banking has existed in Indonesia since 1992, the increasing development of Islamic bank can be seen from the bank’s performance, namely profitability, which is measured using Return On Equity (ROE). ROE shows that the development of Islamic bank fluctuated from 2019 – 2023. This study was conducted to analyze the effect of the implementation of Good Corporate Governance (GCG),third party funds (DPK), non-performing financing (NPF), and bank size on the performance of commercial banks as measured by by return on equity (ROE). This study uses a quantitative approach, with secondary data referring to 16 Islamic commercial banks registered with the Financial Services Authority (OJK) 2019-2023 Sampling was done using purposive sampling, with the criteria of Sharia Commercial Banks registered with the OJK in 2019 – 2023 and issuing annual reports and GCG reports from 2019 to 2023. Based on these criteria, 50 data from 10 Islamic commercial banks were obtained as a sample of this study. The method used was panel data regression with the Eviews 10 analysis tool.The results of this study indicate that the variable GCG and DPK do not have a significant effect on ROE, the NPF variable has a significant negative effect on ROE and the bank size variable does not effect on ROE. However, simultaneously the variables GCG, DPK, NPF, bank size has a Prob. value of 0,020234 < 0.05, has a significant effect on ROE.
Pengaruh Media Sosial dan Gaya Hidup Terhadap Pembelian Impulsif dengan Moderasi BNPL Afriani, Dina; Wahyuni, Eka Sri; Harpepen, Andi
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7342

Abstract

This study aims to examine the effect of social media and lifestyle on impulse buying behavior with Buy Now Pay Later (BNPL) as a moderating variable for students of the Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu. The research method uses a quantitative approach with data collection techniques in the form of questionnaires distributed to 95 respondents selected using the Slovin formula with an error tolerance level of 10%. Data analysis was performed with multiple linear regression and Moderated Regression Analysis (MRA). The results showed that social media has a positive and significant effect on impulse buying behavior (t = 2.214; sig = 0.029). Lifestyle also has a positive and significant effect on impulse buying behavior (t = 9.202; sig = 0.000) with a more dominant influence (β = 0.825). However, BNPL is not proven to moderate the influence of social media on impulse buying behavior (t = 1.346; sig = 0.182) or the influence of lifestyle on impulse buying behavior (t = 0.061; sig = 0.952). This research implies the importance of developing financial literacy and students' critical awareness of the influence of social media and lifestyle in purchasing decisions, as well as the need for responsible marketing strategies from businesses related to BNPL services.
Pengaruh Self Efficacy, Financial Literacy, dan Financial Inclusion Terhadap Fintech Payment Use Adzhani, Nazula; Sanistasya, Poppy Alvianolita
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7362

Abstract

This research investigates the use of fintech payments among Samarinda’s urban population, with the objective of evaluating how self-efficacy, financial literacy, and financial inclusion impact the use of fintech payments. The study employs a quantitative methodology, utilizing multiple linear regression analysis, and the data is processed using SPSS 30 software. Data for the research was collected through observations, documentation, literature reviews, and questionnaires distributed to 100 individuals who utilize fintech payments in Samarinda City. The study's findings revealed that self-efficacy did not significantly influence the use of fintech payments, with a significance level of 0,420 > 0,05 however, financial literacy significantly affected the use of fintech payments, with a significance level of 0,018 < 0,05. Furthermore, financial inclusion also had a significant impact on the use of fintech payments, with a significance level of 0,019 < 0,05. Additionally, when considering all three factors together self-efficacy, financial literacy, and financial inclusion they collectively demonstrated a significant effect on the use of fintech payments, represented by a significance level of 0,001 < 0,05. The outcomes of this research offer insight into the adoption of fintech payments within the Samarinda City community, highlighting the importance of enhancing self-efficacy alongside the existing levels of financial literacy and financial inclusion.
Pengaruh Flash Sale, FOMO dan Digital Financial Literacy Terhadap Impulsive Buying Sari, Fitri Raisya; Sanistasya, Poppy Alvianolita
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 4 (2025): May 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i4.7363

Abstract

The rapid growth of e-commerce and social media integration has significantly transformed consumer purchasing behavior, especially among digital-native generations. Generation Z, known for their strong online presence and responsiveness to trends, is particularly vulnerable to impulsive buying triggered by online marketing strategies. This study aims to examine the influence of flash sales, Fear of Missing Out (FOMO), and digital financial literacy on impulsive buying behavior among Generation Z users of TikTok Shop X Tokopedia in Samarinda, Indonesia. The research involved 106 respondents selected through purposive sampling. Data were collected using structured questionnaires and analyzed through multiple linear regression using SPSS software. The results show that FOMO has a significant and positive effect on impulsive buying, whereas flash sales and digital financial literacy do not have significant individual effects. However, when combined, all three variables significantly influence impulsive buying, accounting for 42.2% of the behavior variance. These findings highlight the psychological and emotional factors—particularly FOMO—as more dominant drivers than promotional or financial literacy factors. The study suggests that understanding these behavioral dynamics is essential for businesses targeting young online consumers, while also underscoring the need for improved digital financial awareness among youth.
Analisis Pengaruh Financial Self Efficacy dan Financial Technology Terhadap Inklusi Keuangan Anggraini, April Dwi; Trisnaningsih, Sri
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.7610

Abstract

This study aims to analyze the extent to which students' financial self-efficacy and utilization of digital financial technology impact their participation in formal financial services (financial inclusion). This study was conducted on students majoring in accounting at the National Development University “Veteran” of East Java, against the background of the urgency of increasing students' access to financial services in the digital age. The method used is a quantitative approach, by distributing questionnaires to 84 randomly selected students. The data was then processed using the Partial Least Square (PLS) technique with the help of SmartPLS 4.0 software. The research findings reveal that both students' confidence in managing finances and the use of financial technology such as e-wallets and digital banking applications, significantly increase students' chances of participating in formal financial services. In conclusion, the higher the confidence of students in financial matters and the more intensely they utilize financial technology, the greater their level of financial inclusion. This study provides crucial insights into how these two factors can encourage students' participation in the formal financial system.
Pengaruh Literasi Keuangan, Perilaku Keuangan, dan Financial Technology terhadap Keputusan Investasi Mahasiswa Permatasari, Noviana Putri; Waluyo, Dwi Eko; Subagyo, Herry; Prawitasari, Dian
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.7883

Abstract

This study aims to examine the impact of financial literacy, financial behavior, and financial technology on investment decisions among students in Semarang. The methodology used is quantitative, utilizing a survey approach and data collection through a Likert scale questionnaire administered to active students who have used investment applications. The collected data was then analyzed using Structural Equation Modeling (SEM) techniques to evaluate the impact of each variable on investment decisions. The analysis results indicate that financial literacy, financial behavior, and financial technology have a significant and positive impact on students' investment decision-making. These findings contribute significantly to the advancement of financial literacy and the increased utilization of technology among students, aiming to enhance the quality of investment decision-making at the university level.

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