Economics, Econometrics and Finance, General Economics, Econometrics and Finance, Finance, Economics and Econometrics
13
Scopus Publications
2761
Scholar Citations
18
Scholar h-index
48
Scholar i10-index
Scopus Publications
Access to Finance: A Potent Force? Investigating Financial Literacy and Performance in Enterprises of Palembang City, South Sumatra, Indonesia Yuliani Yuliani, Zunaidah Zunaidah, Taufik Taufik Wseas Transactions on Business and Economics, 2025 The significance of financial performance for the survival of SMEs is undeniable, as reflected in their contribution to the Gross Domestic Product (GDP). Effectively managing finances is crucial for ensuring the future sustainability of SMEs. This research aims to empirically demonstrate two key aspects. Firstly, it seeks to provide evidence of the direct influence of financial literacy on the financial performance of SMEs. Secondly, it explores the indirect influence of financial literacy on financial performance through the mediation of access to finance. A random sampling technique was employed to select 524 SMEs in Palembang City, South Sumatra, Indonesia, as the unit of analysis. Data collection, conducted through questionnaires, took place from May to July 2023. Structural Equation Modelling (SEM) was utilized for data analysis. The research findings indicate a significant positive effect of financial literacy on financial performance. Furthermore, access to finance was identified as playing a partial mediating role in the relationship between financial literacy and financial performance. The evidence of partial mediation suggests that SMEs stand to achieve higher financial performance when they can effectively determine efficient funding sources. This research contributes to the understanding of the intricate dynamics between financial literacy, access to finance, and SME financial performance, offering valuable insights for both academia and practitioners. The manager of SMEs can select appropriate external funding sources requires sound financial decision-making, which is influenced by financial literacy. Effective funding choices have an increasing impact on financial performance, which has growing sway.
Intention to Invest has a High Impact on Decision Making? New Contribution to the Planning Field of Financial behavior in Indonesia Yu. Yuliani, T. Taufik, Sh. Malinda Finance Theory and Practice, 2024 The study’s purpose is to determine empirical evidence on the effect of financial attitude, knowledge, and perceived risk on intention to invest, reinvestment, level of trust in the platform, and investment satisfaction. The data were collected via an Online Google form from May to July 2022, through a survey of 401 respondents from cities in Indonesia, and were analyzed by structural equation modeling with partial least squares. The results showed that financial attitude has a significant positive effect on the intention to invest and knowledge, while it is insignificant on perceived risk. The intention to invest has a high impact on decision-making. Reinvestment is significantly influenced by intention, decision-making, and trust. The effect of trust has a high impact on reinvestment, which has a significant positive influence on financial satisfaction. This study has made a new contribution to the planning field of financial behavior, regarding investment decisions in terms of monetary assets for unit analysis. However, in further study for businesses or SMEs with unique characteristics, some adjustments are needed in the aspects of testing and model improvement to increase applicability.
Role of self-efficacy, knowledge sharing, mediated adaptability and external environment change as moderators of readiness for change Rismansyah, Mohamad Adam, Perizade Badia, Yuliani Yuliani Humanities and Social Sciences Letters, 2024 It is vital for higher education to improve its ability to anticipate and implement long-lasting change. Private higher education institutions are currently facing challenges in governance that hinder their ability to upgrade their accreditation grade to "excellent ". The involvement of institutional management is a key factor in enabling these institutions to compete on a national and international level. Research methodology uses confirmatory factor analysis to test the hypotheses developed while structural equation modeling is employed as the equation model. The sample population comprised 16 private tertiary institutions in South Sumatra, Indonesia. The study focused on the heads of study programs resulting in a total of 195 respondents. The results indicated that self-efficacy and knowledge sharing did not have a direct impact on readiness for change whereas adaptability exhibited a direct influence. The study demonstrated that adaptability acts as a mediator between self-efficacy and knowledge sharing towards readiness for change. The final model test results confirmed adaptability as a mediating variable. Additionally, the study revealed that external environmental change did not moderate the relationship between adaptability and readiness for change. Changes of a high calibre that promote a sustained digital education transformation are necessary due to the real-world effects on Indonesia's higher education system. The ability to adapt and embrace new technology is very important factors for higher education performance to face readiness for change in private higher education, especially in management units.
On being green in the social media interactivity’s information seeking-sharing: Case of Generation Z in Indonesia Ignasius Heri Satrya Wangsa, Sulastri Sulastri, Muchsin Saggaf Shihab, Yuliani Yuliani Journal of Infrastructure Policy and Development, 2024 Social media interactivity creates consumer’s space of information seeking-sharing where its intensity could produce knowledge, creates new values and changes behavior. The aim of this study is to exploratory investigate the dual role of Generation Z’s information seeking-sharing behavior within green context through the interactive space of social media as a resource for the development of social media marketing strategy. The research employs mixed-method approach of qualitative-explorative data mining, quantitative cross-tabulation Chi-Square test, and integration. Two findings of this research are elaborated. First, consumer’s space of information-seeking leads to the process of green awareness rationalization, i.e., how environment-oriented actions can be rationalized. Second, consumer’s space of information-sharing leads to green social values, i.e., How environment-oriented actions can be socially recognized. The marketing implications of these two findings are business’ efforts to develop green-oriented strategic mindset through space of social media marketing “customer engagement” where the dual role of information seeking-sharing within green context is facilitated.
Factors Influencing Organizational Readiness for Change in Indonesian Private Universities Journal of System and Management Sciences, 2024 The first objective of this study is to empirically reveal the influences of selfefficacy, knowledge sharing, and adaptability on the readiness to change as a key novel aspect.The second objective is to analyze the capacity of adaptability to mediate self-efficacy and knowledge sharing against readiness to change.This study is conducted against the backdrop of the low ability of the private higher educational institutions in their governance to improve their accreditation grade to the grade of "Excellent."Therefore, private tertiary institutions must improve their skills and abilities to anticipate and create sustainable changes.They need to improve their performance and their readiness to face the changes that will occur.The involvement of their management as subjects and objects of change is undeniably important in order to be able to compete both nationally and internationally.The samples of this study consist of 16 private tertiary institutions in South Sumatra, Indonesia.The unit of analysis in this study is the head of the study program, totaling 195 respondents.The equation model used is the Structural Equation Modeling (SEM).The Confirmatory Factor Analysis was used to test the hypothesis of the study.The test results reveal that self-efficacy and knowledge sharing do not directly impact the readiness to change.While adaptability directly affects readiness to change.Adaptability has been proven to mediate self-efficacy and knowledge sharing against readiness to change.The results of the final test of the model show that the adaptability variable is a mediating variable.Meanwhile, the study results show that the external environmental change variable does not mediate between adaptability and readiness to change.
Moderating effect of business environment to working capital and profitability in Indonesia Yuliani Yuliani, Suhartini Karim, Rasyid Hs Umrie, Samadi W. Bakar, Robiyanto Robiyanto Contaduria Y Administracion, 2021 The purpose of this research is to provide empirical evidence about the effect of working capital on profitability and to analyze the role of the business environment as a factor to strengthen and weaken the effect of working capital on profitability. The population of this study was all Indonesian public companies except those from the financial sector. Purposive sampling techniques were done to select 74 companies in the period of 2014-2016. The data consisted of 222 observations and was analyzed in a descriptive manner. Inferential techniques were also used by implementing the Structural Equation Modeling (SEM) with Partial Least Square (PLS) based on variance. This study found that the amount of working capital had a significant effect on the increasing profitability and the business environment was not a significant moderation of the effect of working capital on profitability.
Financial ratios and probability of default by using the KMV-merton method in the non-financial sector listed on the Indonesia stock exchange D. Malasari, M. Adam, . Yuliani, A. Hanafi Finance Theory and Practice, 2020 This study aims to analyze the predictions of the default probability in the non-financial sector of the Indonesia Stock Exchange and the mutual influence between financial ratios. The KMV–Merton method was used for the calculations. The study was conducted on the example of data from 18 companies listed on the Indonesia Stock Exchange. The scientific materials and documentation were analyzed with the help of the EViews. The authors made the followingconclusions: Return on Equity (ROE) has no effect on the probability of default; Current Ratio (CR) has no effect on the probability of default; Debt to Equity Ratio (DER) has a positive effect on the probability of default; Total Assets Turnover (TAT) has a negative effect on the probability of default.
Determinant Factors’ Impact on Managerial Performance through Management Accounting Systems in Indonesia Luk Luk FUADAH, Rika Henda SAFITRI, Yuliani YULIANI, Anton ARISMAN Journal of Asian Finance Economics and Business, 2020 This study aims to examine the effects of factors related to management accounting systems and managerial performance. The factors include budgetary participation, decentralization, and management style. Furthermore, this research investigates the consequences of the management accounting systems on managerial performance and the direct effect between management style and budgetary participation on managerial performance. Survey questionnaires were distributed to both public and private hospitals in Palembang, the South Sumatera region, Indonesia. The sample consisted of 62 respondents from 15 hospitals Target respondents were all managers in hospitals, including financial managers, service managers, human resource managers, quality managers, and other managers. The questionnaire was distributed online to each hospital, and approximately five or more questionnaires were hardcopies. This research was conducted over less than six months. The data obtained were processed via excel files, then checked for conformity, and analyzed by partial least square (PLS) software with descriptive statistics. This study uses path analysis, which that is structural equation modeling (SEM). The findings show that management style, decentralization, and budgetary participation significantly affect management accounting systems. However, management style and budgetary participation did not influence managerial performance. Finally, the findings indicate that management accounting systems are positively affected by managerial performance.
Profitability determinants of Islamic private-owned banks and conventional state-owned banks in Indonesia International Journal of Innovation Creativity and Change, 2020
Personality traits, entrepreneurial self efficacy and financial capability effects on entrepreneurial intention , Ade Maharini Adiandari, Yuliani, , Hendra Winata, and International Journal of Engineering and Advanced Technology, 2019 This study objectives to show the effect of personality traits on entrepreneurial target by using entrepreneurial self-efficacy as a mediating variable and the financial capability as a moderating variable. The research was conducted on students as representatives of the young generation. Currently, many regions need the creation of new economic resources to improve the community welfare where one of the strategies is by creating young entrepreneurs. For that reason, the involvement of higher education institutions in shaping the student’s mindsets and encouraging their entrepreneurial intention is very important. This study focuses on personality traits accompanied by incorporating elements of entrepreneurial self-efficacy and financial capability as variables that are believed to play a role in encouraging student entrepreneurial objective as a representative of the young generation. The study involved 112 students of the Faculty of Economics who were undergoing their third year of education at the University of Ngurah Rai, Denpasar, Bali. Data was collected through questionnaires and processed using SPLS statistical tools. The findings illustrates that personality traits and entrepreneurial self-efficacy have an important influence on entrepreneurial goal. The discoveries also produce evidence that financial capability does not moderate the effect of personal behaviors on entrepreneurial target, which means that if someone does not have a financial capability, it will not prevent him from entrepreneurship because he has personality traits and/or self-efficacy as an entrepreneur. This finding also shows that higher education institutions could play a part in shaping personality traits and student entrepreneurial self-efficacy early with the preparation of a comprehensive curriculum between theory and practice in order to be able to encourage entrepreneurial intention after students graduate from their college.
The effect of stock ownership structure, capital structure, and profitability to firm value in manufacturing company sector in Indonesia stock exchange International Journal of Scientific and Technology Research, 2018
Sustainability of market performance: Moderating effect of sustainable competitive advantage, ownership structure and financing decision – evidence privatized state-owned enterprises in Indonesia Journal of Applied Economic Sciences, 2016
RECENT SCHOLAR PUBLICATIONS
Empowering Novice Investors: A Digital Portfolio Simulation Strategy to Enhance Financial Literacy and Mitigate Investment Risk F Soejono, Y Yuliani, F Fadilla Engagement: Jurnal Pengabdian Kepada Masyarakat 10 (2), 274–291-274–291 , 2026 2026
ANALISIS PERBANDINGAN KINERJA KEUANGAN SEBELUM DAN SAAT PANDEMI COVID-19 (Studi Pada Perusahaan Sektor Hotel, Restoran dan Pariwisata Yang Terdaftar Di Bursa Efek Indonesia … Y Yuliani Universitas INABA , 2026 2026
Financial Strength Development Model to Increase Profit Growth Mediated by Profitability H Saladin, Y Yuliani, S Malinda 24th Malaysia-Indonesia International Conference on Economics, Management … , 2026 2026
Does Credit Risk Mediate Digitalization and Bank Size Impacts on Bank Profitability? F Soejono, Y Yuliani, M Muizzuddin 24th Malaysia-Indonesia International Conference on Economics, Management … , 2026 2026
Impacts on Bank Profitability? F Soejono¹, Y Yuliani, M Muizzuddin Proceedings of the 24th Malaysia-Indonesia International Conference on … , 2026 2026
Understanding Generation Z’s Intention to Use Digital Banks: The Role of Perceived Usefulness and Attitude NK Putri, S Sulastri, M Adam, Y Yuliani Danadyaksa: Post Modern Economy Journal 3 (2), 140–155-140–155 , 2026 2026
Pendidikan Mindset Menabung Yang Benar Bagi Santri Di Pesantren Tahfidz Al-Qur’an Izzuddin Y Yuliani, S Malinda, B Efriani, BM Siagian, H Hermanto KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat 5 (1), 129-141 , 2026 2026
Penggunaan The Socratic Method untuk Meningkatkan Critical Thinking Skill Siswa Kelas 7 SMP-IT Syaikhuna Zainuddin Atsani NW Lingkuk Dane Y Yuliani, J Junaidin, S Sukuryadi Jurnal Ilmiah Profesi Pendidikan 10 (4b), 388-394 , 2025 2025
Integrating Rationality and Religiosity In Financial Literacy Education: Strengthening Investment Awareness And Preventing Illegal Online Lending At Tahfiz Al-Qur’an Izzudin … S Malinda, R Febrianti, Y Yuliani, AS Vanessa, B Efriani, BN Kelara International Journal Of Community Service 5 (4), 486-492 , 2025 2025 Citations: 3
Pengaruh literasi keuangan, penggunaan digital financial product, dan penggunaan internet terhadap inklusi keuangan pada pelaku UMKM di Kota Palembang B Wahyono, Y Yuliani, KMH Thamrin Jurnal Media Wahana Ekonomika 22 (3), 673-686 , 2025 2025 Citations: 4
Strengthening Financial Planning for MSMEs: A Capacity-Building Program on Investment Risk and Illegal Lending S Malinda, TRY Siregar MIICEMA International Journal of Community and Social Development 1, 1-9 , 2025 2025 Citations: 1
PENGARUH RETURN ON ASSETS (ROA), RETURN ON EQUITY (ROE), DAN NET INTEREST MARGIN (NIM) TERHADAP RETURN SAHAM PERBANKAN DI ASEAN EXCHANGE B Nandari, M Adam, Y Yuliani Bussman Journal: Indonesian Journal of Business and Management 5 (2), 1507-1524 , 2025 2025
The Impact of Influencer and Digital Promotion on Intention to Buy through Brand Awareness as a Mediating Variable Y Yuliani, MC Lim, M Marchelline, F Levyta, TL Anita 2025 5th International Conference on Electrical, Computer and Energy … , 2025 2025
Green Banking and Financial Inclusion as Strategic Drivers of Financial Performance in The Indonesian Banking Sector R Ulfa, I Isnurhadi, Y Yuliani Economics, Business, Accounting & Society Review 4 (2), 282-293 , 2025 2025
Membangun mindset menabung melalui edukasi dan pendampingan untuk siswa SMAN 1 Mulak Ulu Y Yuliani, T Taufik, FXP Santati Kumawula: Jurnal Pengabdian Kepada Masyarakat 8 (1), 23-30 , 2025 2025 Citations: 2
Differences In ESG Values Between Indonesia And Singapore F Fadilla, M Adam, I Isnurhadi, Y Yuliani Islamic Banking: Jurnal Pemikiran dan Pengembangan Perbankan Syariah 10 (2 … , 2025 2025
The Effect of Work-Life Balance and Workload on Job Satisfaction at the Perumda Tirta Musi Office MA Abdurrahman, Z Zunaidah, Y Yuliani Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 8 (1), 2017 … , 2025 2025 Citations: 1
Determination Of Banking Profitability In Indonesia D Yanti, Y Yuliani, KMH Thamrin EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis 13 (1), 339–350-339–350 , 2025 2025 Citations: 2
Value creation in the green dynamic marketing capability: The role of organizational learning and green innovation IHS Wangsa, S Sulastri, MS Shihab, Y Yuliani Journal of Infrastructure Policy and Development 9 (1) , 2025 2025 Citations: 2
Access to Finance: A Potent Force? Investigating Financial Literacy and Performance in Enterprises of Palembang City, South Sumatra, Indonesia Y Yuliani, Z Zunaidah, T Taufik WSEAS Transactions on Business and Economics 22, 366-377 , 2025 2025 Citations: 5
MOST CITED SCHOLAR PUBLICATIONS
Pengaruh Keputusan Investasi, Keputusan Pendanaan dan Kebijakan Dividen Terhadap Nilai Perusahaan G Nurvianda, Yuliani, R Ghasarma JURNAL MANAJEMEN DAN BISNIS SRIWIJAYA 16 (3), 164-176 , 2018 2018 Citations: 1433
Determinant factors’ impact on managerial performance through management accounting systems in Indonesia LL FUADAH, RH SAFITRI, Y YULIANI, A ARISMAN The Journal of Asian Finance, Economics and Business 7 (10), 109-117 , 2020 2020 Citations: 59
KEPUTUSAN INVESTASI, PENDANAAN DAN DIVIDEN TERHADAP NILAI PERUSAHAAN DENGAN RISIKO BISNIS SEBAGAI VARIABEL MEDIASI Yuliani, Isnurhadi, SW Bakar Jurnal Keuangan dan Perbankan 17 (3), 362-375 , 2013 2013 Citations: 55
The effect of debt to equity ratio and return on equity on Stock Return with dividend policy as intervening variables in subsectors property and real estate on Indonesia Stock … D Nurhikmawaty, I Isnurhadi, M Widiyanti, Y Yuliani International Journal of Multicultural and Multireligious Understanding 7 (7 … , 2020 2020 Citations: 54
The Effect of Financial Knowledge on Financial Literacy with Mediated by Financial Behavior in Society of Palembang City South Sumatera Yuliani, LL Fuadah, Taufik MIX: JURNAL ILMIAH MANAJEMEN 9 (3), 421-430 , 2019 2019 Citations: 54
Pengaruh electronic word of mouth (e-wom) dan celebrity endorsement terhadap minat beli konsumen HW Wardhana, Z Wahab, MS Shihab, Y Yuliani 2021 Citations: 41
Readiness for organizational change M Adam, A Hanafi 7th Sriwijaya Economics, Accounting, and Business Conference (SEABC 2021 … , 2022 2022 Citations: 40
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Pengaruh Pendapatan Premi, Pembayaran Klaim, Dan Risk Based Capital Terhadap Pertumbuhan Laba Pada Perusahaan Asuransi Yang Terdaftar Di Bursa Efek Indonesia W Agustiranda, Y Yuliani, SW Bakar Jurnal Ilmiah Manajemen Bisnis Dan Terapan 14 (1) , 2019 2019 Citations: 25
HUBUNGAN EFISIENSI OPERASIONAL DENGAN KINERJA PROFITABILITAS PADA SEKTOR PERBANKAN YANG GO PUBLIK DI BURSA EFEK JAKARTA Yuliani Jurnal Manajemen dan Bisnis Sriwijaya 5 (10), 15-43 , 2007 2007 Citations: 22
Factors influencing financial performance through sustainability reporting in Indonesia LL Fuadah, RH Safitri, Y Yuliani Sriwijaya International Journal of Dynamic Economics and Business, 53-72 , 2019 2019 Citations: 21
Prediksi financial distress: Analisis metode Altman Z-Score, Zmijewski, dan Grover pada perusahaan sektor transportasi dan logistik R Ramadhani, Y Yuliani, NDM Saputri, F Muthia Widya Cipta: Jurnal Sekretari dan Manajemen 7 (2), 207-217 , 2023 2023 Citations: 20
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Diversification, investment opportunity set, environmental dynamics and firm value (empirical study of manufacturing sectors in Indonesia Stock Exchange) Z Yuliani, D Sudarma, M Solimun Journal of Business and Management (IOSR-JBM) 6 (4), 01-15 , 2012 2012 Citations: 20
Peningkatan Kemampuan UMKM dalam Melakukan Analisis Kelayakan Usaha Agar Dapat Bertahan di Masa Pandemi COVID-19 NDM Saputri, Y Yuliani, YH Putri Sricommerce: Journal of Sriwijaya Community Services 2 (2), 177-181 , 2021 2021 Citations: 19
The Effect Of Stock Ownership Structure, Capital Structure, And Profitability To Firm Value In Manufacturing Company Sector In Indonesia Stock Exchange Sulastri, Yuliani, A Hanafi, A Dewi 2019 Citations: 19
ANALISIS STRUKTUR MODAL PERUSAHAAN INDUSTRI MAKANAN DAN MINUMAN DI BURSA EFEK INDONESIA Yuliani, Kharizmatullah, R Ghasarma Ekspektra 1 (2), 81-88 , 2017 2017 Citations: 19
PENGARUH WCT, QR DAN DER TERHADAP ROA PADA INDUSTRI MAKANAN DAN MINUMAN Yuliani, U Supriyadi Jurnal Manajemen Usahawan Indonesia 44 (2), 13-22 , 2015 2015 Citations: 19
Pengaruh electronic word of mouth (E-WOM) dan celebrity endorsement terhadap minat beli konsumen. Coopetition: Jurnal Ilmiah Manajemen, 12 (3), 431–446 H Wisnu Wardhana, Z Wahab, M Saggaff Shihab, Y Yuliani 2021 Citations: 18
Perencanaan Keuangan Ideal Rumah Tangga bagi Ibu-Ibu di Desa Kota Daro II Kabupaten Ogan Ilir Y Yuliani, RH Umrie, SW Bakar Wikrama Parahita: Jurnal Pengabdian Masyarakat 4 (2), 91-96 , 2020 2020 Citations: 17
