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Hetty Karunia Tunjungsari
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INDONESIA
International Journal of Application on Economics and Business
Published by Universitas Tarumanagara
ISSN : -     EISSN : 29871972     DOI : https://doi.org/10.24912/ijaeb
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
International Journal of Application on Economics and Business (IJAEB) contains articles on the following topics: Entrepreneurship studies, Business studies, Management studies, Accounting studies, Economics studies
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 774 Documents
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THE INFLUENCE OF EDUCATION AND ENTREPRENEURIAL CULTURE ON ENTREPRENEURIAL INTENTION WITH MINDSET AS A MEDIATION VARIABLE IN STUDENTS AT TARUMANAGARA UNIVERSITY Muhammad Denis Mahyusa1; Andi Wijaya
International Journal of Application on Economics and Business Vol. 4 No. 1 (2026): February 2026
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v4i1.92-99

Abstract

Indonesia’s entrepreneurship ratio, which remains at only 3.47%, presents a significant challenge in reducing unemployment, particularly among university graduates. This study aims to examine the impact of entrepreneurship education and entrepreneurial culture on the entrepreneurial mindset and intentions of students at Tarumanagara University, as well as to assess the mediating function of entrepreneurial mindset. A survey method was applied involving 116 active students, with data collected through an online questionnaire. Data analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM) using SmartPLS 4. The findings indicate that entrepreneurship education exerts a positive yet insignificant effect on both entrepreneurial mindset and entrepreneurial intention. Entrepreneurial culture shows a positive and significant influence on entrepreneurial mindset, although its effect on entrepreneurial intention is not significant. Furthermore, entrepreneurial mindset positively and significantly affects entrepreneurial intention and acts as a significant mediator between entrepreneurial culture and entrepreneurial intention, but does not mediate the relationship between entrepreneurship education and entrepreneurial intention. These results highlight the importance of strengthening entrepreneurial culture and nurturing entrepreneurial mindsets within the university environment to enhance students entrepreneurial intentions.
THE EFFECT OF LIQUIDITY, LEVERAGE, AND GROWTH OPPORTUNITY ON CORPORATE CASH HOLDING Madelyn Agrata; Henryanto Wijaya
International Journal of Application on Economics and Business Vol. 4 No. 1 (2026): February 2026
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v4i1.100-109

Abstract

This study examines how liquidity, leverage, and growth opportunity influence cash holding in property and real estate companies listed on the Indonesia Stock Exchange (IDX) during 2022–2024. The research uses a quantitative method with secondary data obtained from published financial statements. A purposive sampling method produced 67 companies and 201 firm-year observations. Data were analyzed using multiple linear regression with EViews 12 and Microsoft Excel. The findings show that liquidity and growth opportunity significantly increase cash holding, implying that firms with stronger short-term financial capacity and greater investment prospects prefer to maintain higher cash reserves. Conversely, leverage has a negative and significant effect, indicating that firms with higher debt levels allocate more funds toward repayment rather than holding cash. The results contribute to the understanding of cash holding behavior and may support managerial decisions related to financial planning.
ENVIRONMENTAL DETERMINANTS OF FIRM VALUE: THE MODERATING EFFECT OF INDEPENDENT COMMISSIONERS IN INDONESIA’S MINING SECTOR Vini Melyati Putri; Henny Wirianata
International Journal of Application on Economics and Business Vol. 4 No. 1 (2026): February 2026
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v4i1.110-122

Abstract

Firm value serves as a main indicator reflecting investors’ perceptions of a corporate’s performance, either in financial and non-financial aspects. This study seeks to empirically examine regarding the influence of environmental performance, environmental cost, also environmental disclosure to firm value, with the proportion of independent commissioners acting as a moderating variable in these relationships. The research objects consist of companies within the mining industry sector, including coal, metal, and oil and gas firms written on the Indonesia Stock Exchange (IDX) during the 2021–2024 period. Purposive sampling was employed in this study, resulting in a final sample of 17 companies that met the selection criteria. The study underwent several classical assumption tests, such as normality, multicollinearity, autocorrelation, and heteroskedasticity tests. Data processing were carried out utilizing a panel data regression through the EViews 12 software. The findings demonstrate that environmental performance and environmental cost have no significant effect on firm value. On the other side, environmental disclosure and the proportion of independent commissioners exert a negative influence on firm value. Furthermore, the results indicate that independent commissioners fails to moderate the relationship between the three environmental variables and firm value. Nonetheless, both the independent and moderating variables collectively have a significant simultaneous affect the firm value.
ENTREPRENEURSHIP MINDSET AND INNOVATION AS STRATEGIES TO STRENGTHEN BUSINESS INCUBATOR ECOSYSTEMS IN PROMOTING MSME SUSTAINABILITY Liena Prajogi1; Humiras Betty Marlina Sihombing; Vickrie Ardy
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.1951-1959

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a backbone of Indonesia’s economy, yet their sustainability is challenged by limited digital literacy, weak access to financing, and insufficient innovation capacity. Business incubators emerge as a strategic mechanism to strengthen MSMEs by providing mentoring, networking, and access to resources. This study aims to analyze the role of entrepreneurship mindset and innovation in enhancing business incubator ecosystems and their contribution to MSME sustainability. The research employed a qualitative approach, combining a Systematic Literature Review (SLR) with a single case study at the MNC University Business Incubator. Thematic content analysis was used to synthesize prior studies, while pattern matching was applied to validate findings within the case context. Results reveal that entrepreneurship mindset covering opportunity orientation, creativity, risk-taking, and resilience and innovation across product, process, and business model are key inputs in reinforcing incubator ecosystems. The MNC University case demonstrates that integration of mentoring, digital platforms, and multi-actor collaboration aligns with the Triple Helix and Quadruple Helix frameworks, thereby enhancing MSME competitiveness and sustainability. This study contributes theoretically by linking mindset and innovation to incubator ecosystem development, and practically by offering insights into higher-education-based incubator practices that can be replicated in similar contexts.
THE IMPACT OF OVERCONFIDENCE AND TRAIT ANXIETY ON INVESTMENT DECISIONS AMONG GENERATION Z Vera Handayana Wibowo; Agus Zainul Arifin
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.1960-1970

Abstract

Investment decisions are not only influenced by rational considerations but also by psychological factors, such as overconfidence and trait anxiety. This study aims to describe the impact of these two psychological characteristics on the investment decisions of Generation Z individuals living in the JABODETABEK area. A descriptive quantitative approach was applied, and data were collected through an online survey involving 200 respondents with prior or current investment experience. The data were analyzed using Structural Equation Modeling (SEM) to examine the relationships between psychological traits and investment behavior. The findings reveal that overconfidence has a positive and significant influence on investment decisions. Generation Z investors tend to overestimate their own knowledge and forecasting abilities, making them more prone to taking high-risk investment decisions. These results are in line with Prospect Theory, which emphasizes the dominant role of cognitive biases, especially overconfidence, in financial decision-making under conditions of uncertainty. In contrast, trait anxiety does not appear to significantly influence investment behavior, although anxiety is theoretically known to affect risk perception and decision-making processes. Based on these findings, the study recommends the inclusion of financial literacy as an additional variable in future research, as it may serve as a mitigating factor to reduce the negative effects of overconfidence and promote more rational investment decisions, particularly among young and less experienced investors.
MEDIATING EFFECT OF PROFITABILITY ON LEVERAGE AND INSTITUTIONAL OWNERSHIP INFLUENCING BANK DIVIDEND POLICY IN INDONESIA Timotius Timotius; Indra Widjaja
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.1971-1979

Abstract

The purpose of this study is to examine the effect of leverage and institutional ownership on dividend policy, with profitability as a mediating variable represented by Return on Equity (ROE) in banking sector listed on the Indonesia Stock Exchange between 2021 and 2024. This quantitative study makes use of secondary data in the form of financial statements gathered from the official websites of the Indonesia Stock Exchange and Banks. Data analysis is performed using a panel data regression model and Sobel test with EViews 9.0 software. The sample consists of 17 banks selected using purposive sampling based on specific criteria. The study's findings reveal that Leverage, as measured by debt-to-equity ratio (DER), does not significantly impact Return on Equity (ROE). In contrast, Institutional Ownership, as measured has a positive impact on ROE. Furthermore, the direct relationships between Institutional Ownership and ROE were found positive and significant. However, neither DER nor ROE show a significant direct impact on dividend policy measured by dividend payout ratio (DPR). Additionally, the analysis indicates that ROE does not mediate the relationship between leverage or institutional ownership and dividend policy.
THE INFLUENCE OF OVERCONFIDENCE AND FINANCIAL LITERACY ON INVESTMENT DECISIONS AMONG GENERATION Z Elsa Ramelpa Silaban; Agus Zainul Arifin
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.1980-1991

Abstract

This study aims to examine the influence of overconfidence and financial literacy on investment decisions. The study involves 126 respondents, consisting of Generation Z individuals in the Jabodetabek area, who have experience in investing, whether currently active or previously involved in investments in instruments such as stocks, mutual funds, deposits, and foreign exchange, through both digital platforms and traditional methods. The Partial Least Square method was used to analyze the relationship between overconfidence and financial literacy on investment decisions. The results reveal that overconfidence and financial literacy have a positive impact on the investment decisions of Generation Z in Jabodetabek. This study provides a new perspective in understanding the psychological factors influencing investment decisions among Generation Z, particularly in the Jabodetabek area, and can be utilized to help them make more rational and informed investment decisions. Furthermore, the findings are expected to raise awareness among Generation Z regarding the importance of adequate financial literacy and managing self-confidence levels proportionally to avoid making poor investment decisions due to psychological biases. This study is the first attempt to use Generation Z subjects in the Jabodetabek area to evaluate their investment decisions within the context of financial instruments such as stocks, mutual funds, deposits, and foreign exchange in the Indonesian market.
FACTORS AFFECTING TURNOVER INTENTION AMONG GENERATION Z EMPLOYEES WORKING IN THE FINTECH SECTOR IN JAKARTA Nita Susanti; Yanuar Yanuar
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the effect of work overload, work-life balance, toxic leadership, and work stress on turnover intention among Generation Z employees working in the financial technology sector, with job burnout is considering as a mediating variable. Generation Z is known for its dynamic work characteristics, strong emphasis on life balance, and heightened sensitivity to high-pressure work environments, making turnover between this cohort an important issue. This research is taking a quantitative approach by using a survey method, and the data were analyzed with Structural Equation Modeling (SEM). The sampling method used was non-probability sampling, specifically purposive sampling. A total of 231 Generation Z employees successfully participated as respondents. The results shows that work overload, work-life balance, and toxic leadership have a positive and significant effect on turnover intention among Generation Z employees. Job burnout is also considered to have a positive and significant effect on turnover intention. However, work stress does not have a direct effect on turnover intention. In addition, work stress greatly affects job burnout, and job burnout substantially mediates the relationship between work stress and turnover intention. This study is taking contribution by emphasizing the essential role of burnout as the psychological pathway through which workplace stressors lead to turnover intention. The findings offer practical implications for organizations to amplify workload management, improve leadership practices, and improve employee well-being initiatives to lessen burnout and support retention.
THE EFFECT OF NPL AND LDR ON PROFITABILITY MEDIATED BY OPERATIONAL EFFICIENCY IN IDX BANKS Oktaviani Oktaviani; Indra Widjaja
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.2004-2013

Abstract

This study examines the effect of NPL and LDR on banking profitability, with Operational Efficiency (BOPO) as a mediating variable. Using a descriptive quantitative approach, data from eight KBMI V banks listed on the Indonesia Stock Exchange (IDX) during 2019–2023 were analyzed. A total of 40 observations were selected through purposive sampling. The analysis employed panel data regression with the Random Effect Model and the Sobel test via Eviews 13 SV. Results reveal that NPL and LDR positively affect BOPO and Return on Assets (ROA), while BOPO negatively influences ROA. BOPO significantly mediates the NPL–ROA relationship but not LDR–ROA. These findings underscore the importance of controlling NPLs, improving credit quality, and enhancing operational efficiency to support sustainable bank profitability.
REDUCING PRODUCTION REJECTS AND DELIVERY DAMAGE THROUGH BPM: A FIBER CEMENT COMPANY CASE STUDY Gerry Williekumaro; Mohammad Agung Saryatmo
International Journal of Application on Economics and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i4.2014-2028

Abstract

This study aims to reduce production rejects and shipping damage in a fiber cement manufacturing company through the implementation of Business Process Management (BPM). The research was conducted at PT XYZ, which has been facing inefficiencies in its production and distribution processes, as indicated by a high percentage of defective products and increasing shipping damage. A qualitative case study approach was used, with data collected through interviews, observations, and company documentation. Analysis was conducted using the Anakonda and 5 Whys methods to identify root causes, which were then used as the basis for designing To-Be business processes using Business Process Model and Notation (BPMN). The implementation results showed that standardization of machine parameters, regular maintenance schedules, and improved packaging and shipping procedures were able to reduce the reject rate to 0.30% (target 0.34%) and damage to 0.05% (target 0.15%). This study concludes that BPM is effective in improving operational efficiency and can serve as a reference for similar companies in implementing sustainable business process improvements.

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