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Erna Handayani

Publications (5)

The Role of Religiosity, Service Quality and Financial Technology on Saving Intention among Students in Indonesia

Septian Dwiki Hardiansyah, Erna Handayani, Purnadi & Maulida Nurul Innayah · Asian Journal of Economics, Business and Accounting · 2025

Aims: This study intends to examine the influence of religiosity, service quality, and financial technology on saving intention. Study Design: This study uses a quantitative descriptive method, which is a research design that is organized to provide a systematic description of sc...

Open access Research Article 10.9734/ajeba/2025/v25i21687

The Impact of Intellectual Capital and Corporate Governance on Financial Performance in Indonesia’s Financing Services Sector

Daffa Annisa Salsabila, Wida Purwidianti, Erna Handayani & Alfato Yusnar Kharismasyah · Asian Journal of Economics, Business and Accounting · 2025

Aims: The aim of this research is to determine the influence of VAIC and GCG on ROA in financing services sub-sector firms listed on IDX in 2019 – 2023. Intellectual Capital quantified by value added capital employed (VACA), value added human capital (VAHU), and value added struc...

Open access Research Article 10.9734/ajeba/2025/v25i11650

Ratio Analyses Estimating Financial Risk: Econometric Study Retail Companies the Indonesia Stock Exchange 2020-2023

Nisa Rizqi Yuniar, Naelati Tubastuvi, Erna Handayani & Restu Frida Utami · South Asian Journal of Social Studies and Economics · 2024

Aims: This study analyses the effect of activity ratios, sales growth, profitability, and company size on the financial distress of retail companies on the Indonesia Stock Exchange from 2020 to 2023. Study Design: The study uses data on activity ratios, sales growth, profitabilit...

Open access Research Article 10.9734/sajsse/2024/v21i12933

Consumptive Behavior: Are Financial Literacy, Electronic Money, Lifestyle, and Self-Control Necessary?

Ferninda Cahya Alfinna, Wida Purwidianti, Erna Handayani & Hermin Endratno · South Asian Journal of Social Studies and Economics · 2023

Aims: Consumptive behavior has become familiar to students because of the support of an increasingly modern era and the ease of buying needs or wants.   This study aims to determine whether financial Literacy, electronic Money, Lifestyle, and self-control significantly affect con...

Open access Research Article 10.9734/sajsse/2023/v20i4747

The Influence of Capital Structure, Profitability, Company Size and Dividend Policy on Firm Value With Investment Decision as a Moderator

Nofi Nurhidayah, Wida Purwidianti, M. Agung Miftahuddin & Erna Handayani · Asian Journal of Economics, Business and Accounting · 2024

Aims: With investment choices serving as a moderator, this research examines the impact of capital structure, profitability, company size, and dividend policy on firm value. Study Design: This quantitative study employs purposive sampling to examine the financial data of 85 Indon...

Open access Research Article 10.9734/ajeba/2024/v24i111575