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<![CDATA[Determinan innovative work behavior generasi Z: dengan grit sebagai pemoderasi ]]>
<![CDATA[Putra, Yanuar Surya]]>;
<![CDATA[Utomo, Hardi]]>;
<![CDATA[Istiyani, Ambar]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4443
<![CDATA[Generation Z is a new worker demographic beginning to dominate the workplace. This study aims to investigate and explain the impact of workplace ostracism and job stress on innovative work behavior among Generation Z employees in Salatiga, using grit as a moderating variable. Companies are also anticipated to become aware of the influence of workplace ostracism and job stress on Gen Z employees’ grit and innovative work behavior, allowing them to develop HR management methods to foster innovative work behavior from Gen Z employees. The study was conducted in Salatiga, with 366 samples from Generation Zrespondents. The analysis technique employed was Moderating Structural Equation Modeling with SmartPLS. The fndings of this study indicate that grit can be a variable that reduces the negative impact of workplace ostracism and job stress on the innovative work behavior of Gen Z employees, implying that to foster innovative workplace behavior, companies must also be able to encourage high grit in their employees, particularly Gen Z employees. Managers must be able to educate employees on the value of grit in establishing long-term success and innovative work behavior.]]>
<![CDATA[Analisis faktor penentu keberhasilan implementasi sistem informasi akademik pada ISB Atma Luhur ]]>
<![CDATA[Amri, Amri]]>;
<![CDATA[Isnanto, R Burham]]>;
<![CDATA[Alkodri, Ari Amir]]>;
<![CDATA[Bakti Atmaja, R Ferry]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4499
<![CDATA[To support higher education, academic information systems are required. However, user satisfaction, especially among students, is crucial to the system’s success. The aim of this research was to investigate the relationship between student happiness and the quality of academic information systems at the Atma Luhur Institute of Science and Business (ISB), using ease of use as a mediating variable. This study aims to analyze the factors influencing student satisfaction with the academic information system at ISB Atma Luhur. Using structural equation modeling (SEM) with a partial least squares (PLS) approach, this research examines the impact of information quality, system quality, and service quality on ease of use and student satisfaction. Data were collected through questionnaires distributed to 200 students who use the information system. The results indicate that information quality and system quality significantly affect ease of use, which in turn affects student satisfaction. Additionally, service quality has a direct and significant impact on student satisfaction. These findings contribute significantly to the development of academic information systems by highlighting aspects that need attention to enhance user satisfaction. The practical implications of this research include recommendations for improving information quality, system quality, and service quality within the context of academic information systems.]]>
<![CDATA[Peran bias perilaku investor dalam proses pengambilan keputusan dan kinerja investasi ]]>
<![CDATA[Anwar, Roseline Mannuela]]>;
<![CDATA[Wijaya, Hendry]]>;
<![CDATA[Amelinda, Rita]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4618
<![CDATA[This study aims to determine whether investor bias, including heuristic and herding biases, has an impact on investors’ investment behaviour, particularly in Indonesia. The sample was taken by purposive sampling, which is a non-probability sampling technique. This technique is used to identify respondents who have already made stock investments on the stock exchange. This study used 154 investor respondents, specifically those who started investing in stock from various range of age. The study employs path analysis using the Smart-PLS software tool for data analysis. The results of this study show that heuristic bias is proven to have a significant positive effect on investors’ investment decisions and performance. Furthermore, investment decisions are proven to mediate the effect of heuristic bias on investor investment performance. On the other hand, herding bias is not proven to have an effect on investor investment decisions and performance. In addition, investor investment decisions are also not proven to mediate the effect of herding bias on investor investment performance. Based on the results of this study, investors need to be aware of the role of heuristic bias to make more rational decisions that can ultimately improve investor investment performance.]]>
<![CDATA[Intellectual capital, CSR, and earnings quality impact on equity cost of capital ]]>
<![CDATA[Anggraini, Fivi]]>;
<![CDATA[Ethika, Ethika]]>;
<![CDATA[Safitri, Selvi Adenia]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4649
<![CDATA[Companies need additional funds to improve their business activities, and one source of these funds is investors, which involves the cost of equity capital. Several factors influence the cost of equity capital, including the disclosure of intellectual capital, corporate social responsibility (CSR), and earnings quality. This study empirically examines the impact of intellectual capital disclosure, CSR, and earnings quality on the cost of equity capital. The research sample consists of 30 manufacturing companies in the consumer goods industry sector listed on the Indonesia Stock Exchange during the 2017-2021 period. The results show that intellectual capital disclosure, CSR, and earnings quality significantly affect the cost of equity capital in manufacturing companies within the consumer goods industry. Higher disclosures of intellectual capital and CSR are expected to enhance a company’s transparency and reputation, thereby reducing the cost of equity capital. However, the findings also indicate that increased disclosure can heighten investors’ perceived risk, which, in turn, raises the cost of equity capital. The implication is that companies need to balance information disclosure to effectively manage perceived risk and optimize the cost of equity capital.]]>
<![CDATA[The effect of perceived benefits,ease of use, and risk on culinary MSMEs’ interest in utilizing QRIS ]]>
<![CDATA[Rahmawati, Fitri]]>;
<![CDATA[Merlinda, Santi]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4674
<![CDATA[The GNNT (National Non-Cash Movement) program is in line with fintech innovations that have a real impact on improving the efficiency of the payment system, financial inclusion, and the Indonesian economy. In the Kedungkandang sub-district area of Malang City, the number of culinary MSME units has increased, which can encourage GNNT to be realized. However, many culinary MSMEs have not optimized using QRIS as a non-cash payment tool. This study aims to see the effect of perceived benefits, ease of use, and risk on culinary msmes’ interest in utilizing QRIS. This research uses Quantitative method approach in this research. Culinary MSMEs are in Kedungkandang District, Malang City, as the research population. The sample was taken by a purposive sampling technique with a research sample of 100 respondents. Data ere collected by n distributing questionnaires and was measured using nominal and Likert scales-data processing with Stata 17 software with a multinomial logistic regression model. The results show that perceived benefits, convenience and risk partially affect the interest of culinary MSMEs in using QRIS. The perception of benefits, convenience and risk encourages an increase in the probability of interest in culinary MSMEs in using QRIS so that perceived benefits can increase MSME understanding of the benefits of QRIS, the perception of ease of use supports increased adoption of QRIS use; perceived risk can encourage strengthening the QRIS security system so that MSMEs are more confident and adopt QRIS.]]>
<![CDATA[Factors influencing financial behavior: The role of income as a moderator of financial knowledge ]]>
<![CDATA[Nugroho Jati, Agustinus Kismet]]>;
<![CDATA[Purwaningsih, Endang]]>;
<![CDATA[Rahardani, Margareta Ernanda]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4867
<![CDATA[The purpose of this study is to analyze the financial behavior of female MSME entrepreneurs, with income as a moderating variable. The data were collected by using a survey as the instrument in the form of a questionnaire. The respondents for this study were female MSME entrepreneurs residing in Solo and Yogyakarta, totaling 400 respondents, with 200 from each region. The distribution of the questionnaire was carried out offline and online via google form. The results indicate that financial knowledge and income do not influence financial behavior, while financial technology and lifestyle negatively affect financial behavior. Internal locus of control and spiritual intelligence positively impact financial behavior, with income which is not able to moderate the relationship between financial knowledge and financial behavior. These results have implications for the financial behavior of women who work as MSME entrepreneurs to improve their financial knowledge so that they become better and wiser in their financial behavior.]]>
<![CDATA[Peran komitmen organisasi sebagai pemediasi hubungan antara kompensasi, motivasi, dan kinerja pegawai ]]>
<![CDATA[Nur, Shania Ayanda]]>;
<![CDATA[Harsono, Soni]]>;
<![CDATA[Prawitowati, Tjahjani]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4447
<![CDATA[This study analyzes the role of organizational commitment as a mediator between compensation, motivation, and performance of PPNPN employees at the Pusdatin of the Ministry of ATR/BPN, with a sample of 48 employees using a saturated sampling technique. The role of PPNPN is important to study because it will be able to explain its contribution to the performance of government agencies because PPNPN performance is measured through plans and performance targets made by employees and must be achieved within a certain period of time or what is commonly referred to as Employee Performance Targets (SKP). Performance targets made at the beginning of the year will then be assessed at the end of the year and their compliance with the predetermined targets will be assessed. The analysis technique used is SEM-PLS with the WarpPLS 8.0 program, and data was collected through a Google Form questionnaire. The results of the study indicate that compensation does not have a significant effect on employee performance, while motivation and organizational commitment have a significant positive effect on performance. Organizational commitment also mediates the effect of compensation and motivation on employee performance. The implication of this study is the importance of programs to improve organizational commitment and PPNPN motivation in order to encourage employee performance.]]>
<![CDATA[Peran literasi keuangan syariah dan pendapatan terhadap utang konsumsi di Surabaya ]]>
<![CDATA[Humainy, Mahbub]]>;
<![CDATA[Nasution, Zubaidah]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4964
<![CDATA[This research aims to analyze the influence of sharia financial literacy and family income on household consumption debt in Surabaya. This research method uses a quantitative approach through questionnaires to 115 house-holds in Surabaya. The sample in this study was Surabaya City house-holds, which the researchers obtained based on established criteria. The sample that met the criteria was 115 households. Data analysis uses multiple linear regression tests, which are processed through the SPSS application. The research results show that partial sharia financial literacy does not have a significant influence on household consumption debt, while family income has a significant negative influence on consumption debt. The better the sharia financial literacy, the higher the household consumption debt; on the other hand, the higher the income, the lower the consumption debt. The implications of the results of this research are that households play an active role in Sharia financial inclusion but do not understand or study Sharia financial literacy. The high level of household consumption debt is influenced by needs and lifestyle. The household income factor is wiser in its use, where households with higher incomes tend to have lower consumption debt.]]>
<![CDATA[Determinan keputusan penggunaan pembayaran digital: Peran niat sebagai mediasi literasi keuangan ]]>
<![CDATA[Muchamad Khozin Chanafaro]]>;
<![CDATA[Sari, Linda Purnama]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.4993
<![CDATA[This study aims to examine the influence of financial literacy, risk perception, lifestyle, and the use of digital payments, all of which are mediated. by intention, on Generation Z in Surabaya. This study uses quantitative methods and purposive sampling techniques involving 175 Generation Z respondents in Surabaya. The data analysis technique uses a structural equation model with partial least squares (SEM-PLS). The results of the study indicate that financial literacy has a direct influence on the intention and use of digital payments, while risk perception does not directly affect the intention to use digital payments but directly affects the use of digital payments. Meanwhile, lifestyle does not directly affect the use of digital payments. This study proves that the intention to use digital payment applications is able to mediate the influence of financial literacy on the use of digital payments. Yet, the intention to use digital payment applications is not able to mediate the perception of risk in the use of digital payments. It can be implied that financial literacy is important for increasing the use of digital payment applications for Generation Z in Surabaya through high intentions.]]>
<![CDATA[Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste ]]>
<![CDATA[Amaral, Leonardo Bele Bau]]>;
<![CDATA[Iramani, Rr]]>;
<![CDATA[Pertiwi, Tanza Dona]]>
<![CDATA[ Journal of Business & Banking Vol 14 No 1: May-October 2024 ]]>
Publisher : <![CDATA[Universitas Hayam Wuruk Perbanas ]]>
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DOI: 10.14414/jbb.v14i1.5024
<![CDATA[Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.]]>
