Equity: Jurnal Ekonomi https://equity.ubb.ac.id/index.php/equity Equity: Jurnal Ekonomi [p-ISSN 1978-3795, e-ISSN 2721-6721] is double-blind peer-reviewed, open access, a scientific journal that contains the results of theoretical research and studies on economic and development issues. The issue is related to: literature review, modeling results in economics, finance, monetary, fiscal, regional, islamic economics, human resources, nature resources and other economic issues. Managed by Department of Economics, Faculty of Economics, Universitas Bangka Belitung. Universitas Bangka Belitung en-US Equity: Jurnal Ekonomi 1978-3795 <hr> <p>Authors who publish journals in <strong>Equity: Jurnal Ekonomi </strong>agrees with the following conditions:</p> <p>1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a&nbsp;<a title="Creative Commons Attribution 4.0 International License" href="http://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">Creative Commons Attribution 4.0 International License</a>.</p> <p>2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.</p> <p>3. Every publication (printed/electronic) are open access for educational purposes, research, and library. Other than the aims mentioned above, the editorial board is not responsible for copyright violation.</p> EXPLORATING POTENCIAL INVESTMENT IN PANGKALPINANG https://equity.ubb.ac.id/index.php/equity/article/view/242 <p><em>Pangkalpinang city has abundant natural resource potential and has promising investment potential for investors. The Pangkalpinang city government supports investment through policies that are pro-business and ease of doing business. With the potential for abundant natural resources such as tin, as well as the marine, fisheries and tourism industries, it is hoped that they will be able to support the sustainable economic growth of Pangkalpinang city. This research aims to determine the leading sectors that have investment potential in Pangkalpinang city. This research was conducted in the city of Pangkalpinang. The data source in this research uses secondary data in the form of a time series from the Gross Regional Domestic Product (GRDP) of Pangkalpinang city for 2018-2022. The analytical tools used in this research are: 1). Location Quotient (LQ) analysis is used to determine the base and non-base sectors in the economy of Pangkalpinang city 2). Shift Share analysis is used to determine changes and shifts in the economic structure of Pangkalpinang city. The results of this research show that there are 4 non-based sectors and 13 basic sectors based on LQ analysis and based on shift share analysis, there are 11 industries that have excellent location advantages or grow faster than the same industry elsewhere. This makes the city of Pangkalpinang a city worthy of being an investment destination.</em></p> Reniati Reniati ZIKRI RAHMANI Nurwasya Nurwasya Ria Atlantika ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 2024-06-10 2024-06-10 12 1 1 11 10.33019/equity.v12i1.242 The Influence of Financial Behavior and Financial Literacy on Financial Management (Case Study of Accounting Students of Universitas Tanjungpura) https://equity.ubb.ac.id/index.php/equity/article/view/260 <p><em>Students must understand the importance of managing their finances well during their studies, because this will help them manage their finances effectively when they enter the world of work. This research aims to examine whether financial behavior and level of financial literacy influence the way students majoring in Accounting at Tanjungpura University manage their finances. The research method uses quantitative research. This research involved 100 active students from the Accounting study program, which was determined using a Purposive Sampling approach. To collect data through questionnaires using the Google Form platform and analyzed using multiple linear regression. Findings The research results state that financial behavior has a partial effect on student financial management and financial literacy also has a partial effect on student financial management. Apart from that, these two factors also have a simultaneous influence on student financial management</em>.</p> Reza Sastrowardoyo Putra Tiya Nurfauziah Juanda Astarani ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 2024-06-10 2024-06-10 12 1 12 19 10.33019/equity.v12i1.260 Savings Growth, Loan Growth, Customer Growth, Non-Performing Loans, and Capital Adequacy Ratio on Profitability https://equity.ubb.ac.id/index.php/equity/article/view/246 <p><em>This </em><em>research</em><em> intends to analyze the connection</em> <em>between savings growth, loan growth, customer growth, non-performing loans, and the capital adequacy ratio on profitability. The </em><em>study</em><em> was conducted on Village Credit Institutions</em><em> (LPD)</em><em> in Denpasar city during the period 2021-2022. The sample was </em><em>selected</em><em> using purposive sampling, resulting in a total sample of 34 LPDs (</em><em>Village Credit Institutions)</em><em> and 68 observations. The data obtained were analyzed using multiple linear regression analysis. The test results prove that growth in savings has a negative </em><em>impac</em><em>t </em><em>with</em><em> profitability, while growth in loans and capital adequacy ratio have a positive </em><em>affect</em> <em>with</em><em> profitability. On the other hand, growth in customers and non-performing loan do not affect profitability. It is suggested to add other variables such as BOPO (</em><em>Operating Expenses to Operating Income)</em><em>, LDR (</em><em>Loans to Deposit Ratio)</em><em>, or asset growth</em><em>.</em></p> Ni Luh Putu Widhiastuti I Gusti Agung Arista Pradnyani ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 2024-06-10 2024-06-10 12 1 20 30 10.33019/equity.v12i1.246 The Influence Of Gross Regional Domestic Product (Gdp) And Interest Rates On Investment In West Java Province https://equity.ubb.ac.id/index.php/equity/article/view/239 <p>Economic growth is significant for every country, where economic growth indicates the success of a country's development. One of Indonesia's efforts to encourage economic growth is by growing the investment sector. Investment is a component that influences the level of aggregate expenditure and is one of the important and main factors in economic development which many economic experts have recognized, according to him there is no development without investment. This research intends to analyze the influence of Gross Regional Domestic Product (GRDP) and interest rates on investment in West Java Province. The data used in this research is secondary data obtained from the Central Statistics Agency (BPS) during 2015-2022 in a time series format. The research method uses a quantitative approach. The data analysis technique was carried out using multiple linear regression in SPSS. The research results show that Gross Regional Domestic Product (GRDP) has a positive and significant influence on investment in West Java Province. Meanwhile, interest rates do not affect investment in West Java Province.</p> aep syaeful millah millahs Ayus Ahmad Yusuf ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 2024-06-10 2024-06-10 12 1 31 38 10.33019/equity.v12i1.239 Implementation of the Triple Helix Model in Increasing Economic Opportunities for Waste Management in Pangkalpinang City https://equity.ubb.ac.id/index.php/equity/article/view/258 <p><em>This research reviews waste management problems in Pangkalpinang City, Indonesia, which is facing increasing waste volumes and suboptimal management. In an effort to overcome this problem, research uses a collaborative Triple Helix Model approach involving government, industry and universities. By combining the resources and competencies of these three parties, the research aims to develop a more effective and sustainable waste management model in Pangkalpinang. Through analysis of involvement and collaboration between government, industry and universities, this research explores the potential of the Triple Helix approach in overcoming waste management problems in the city. The research results show that the implementation of the Triple Helix Model has had a positive impact on waste management in Pangkalpinang City with various programs and initiatives that have been implemented. Recommendations for waste recycling programs are prioritized as an effective solution in maintaining environmental sustainability and creating new economic opportunities. However, there are still challenges such as lack of public awareness, limited resources, and technical obstacles that need to be overcome. By continuing effective collaboration between government, industry, academics and the community, it is hoped that waste management can continue to be improved and support sustainable development in Pangkalpinang City.</em></p> Edih Mulyadi Devi Valeriani Eka Fitriyanti ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 2024-06-12 2024-06-12 12 1 39 47 10.33019/equity.v12i1.258 Job Satisfaction Mediates Improved Employee Performance: Contribution of Organizational Commitment and Organizational Culture https://equity.ubb.ac.id/index.php/equity/article/view/217 <p><em>This research was conducted at PT. Tasma Puja Sei Kuamang Kampa. The purpose of this research is to determine the influence of organizational commitment and organizational culture on employee performance which is mediated by job satisfaction at PT. Tasma Puja Sei Kuamang Kampa. The sampling method in this research is based on Gpower. The number of samples used was 99 employees. The data used is primary data and secondary data, the quantitative data analysis method uses the Smart PLS4 analysis technique. The research results show that organizational culture has a significant effect on job satisfaction and employee performance. However, organizational commitment has no effect on employee job satisfaction and employee performance. Interestingly, organizational commitment and organizational culture have a significant effect on employee performance and are mediated by employee job satisfaction at PT. Tasma Puja Sei Kuamang Kampa was 68.6%. The remaining 31.4% are variables not examined in this study</em><em>.</em></p> Qomariah Lahamid Miranda Putri Nurlasera Nurlasera ##submission.copyrightStatement## http://creativecommons.org/licenses/by/4.0 2024-06-18 2024-06-18 12 1 48 57 10.33019/equity.v12i1.217