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All Journal GANESHA: Jurnal Pengabdian Masyarakat Jurnal Akuntansi Keuangan dan Bisnis
Mochamad Syafruddin Aji
Institut Kesehatan dan Bisnis Surabaya
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Engineering Social Sciences

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Exploring Financial Behavior among Lecturers: The Mediating Role of Financial Self-Efficacy in Indonesia and Timor Leste Mochamad Syafruddin Aji; Leonardo Bele Bau Amaral; Tanza Dona Pertiwi; Ayu Candra Kusuma
Jurnal Akuntansi Keuangan dan Bisnis Vol 19 No 1 (2026): Jurnal Akuntansi Keuangan dan Bisnis
Publisher : Politeknik Caltex Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35143/jakb.v19i1.6986

Abstract

Main Purpose - This study examines lecturers’ financial behavior in Indonesia and Timor Leste by positioning financial self-efficacy as a mediating variable in the relationship between income, financial literacy, financial experience, and financial behavior. Method - This study employed a quantitative approach using primary data collected through a survey of 112 lecturers in Indonesia and Timor Leste. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Main Findings – The findings reveal that income, financial literacy, and financial experience do not directly determine lecturers’ financial behaviour. Instead, these factors significantly influence financial self-efficacy, which in turn has a significant positive effect on financial behaviour. The non significant direct effects and significant indirect effects indicate that financial self-efficacy fully mediates the relationship between income, financial literacy, financial experience, and financial behaviour. Thus, responsible financial behaviour is more strongly shaped by lecturers’ confidence in managing financial decisions than by economic capacity, knowledge, or experience alone. Theory and Practical Implications – This study highlights financial self-efficacy as a psychological mechanism linking economic, cognitive, and experiential factors to financial behaviour. Practically, universities should strengthen lecturers’ financial confidence through practice oriented programs. Novelty - This study contributes by examining financial self efficacy as a key mediator in a cross country lecturer context.
PEMBERDAYAAN SISWA SMA MELALUI INTEGRASI LITERASI KETANGKASAN MEDIS DAN KEWIRAUSAHAAN BERBASIS INOVASI PANGAN BERGIZI DI SURABAYA Mochamad Syafruddin Aji; Siti Khoirotun Nisak; Rasi Rahagia; Agda Laily Ahadiya; Ayu Candra Kusuma; Nurul Hidayati; Dinda Winiastri
GANESHA: Jurnal Pengabdian Masyarakat Vol 6 No 2 (2026): Juli 2026
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Tunas Pembangunan Surakarta (UTP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/ganesha.v6i2.6400

Abstract

Kegiatan pengabdian masyarakat ini dilatarbelakangi oleh pentingnya membekali siswa SMA dengan keterampilan hidup yang komprehensif, mencakup aspek kesehatan dan ekonomi. Program yang bertajuk "Siswa Siaga Sehat" ini bertujuan untuk meningkatkan pengetahuan dan keterampilan siswa di SMA IPIEMS Surabaya melalui integrasi edukasi ketangkasan medis dan kewirausahaan berbasis inovasi pangan gizi. Metode pelaksanaan menggunakan pendekatan deskriptif-partisipatif yang meliputi kombinasi ceramah edukatif, demonstrasi teknis, serta praktik langsung di lapangan. Rangkaian program kerja utama mencakup standarisasi Unit Kesehatan Sekolah (UKS) untuk penanganan gawat darurat, edukasi kesehatan reproduksi dan gizi remaja, hingga pelatihan kewirausahaan melalui demonstrasi pembuatan produk pangan inovatif (Mochi kacang merah) serta strategi pemasaran digital. Hasil kegiatan menunjukkan peningkatan signifikan pada pemahaman siswa mengenai kesiapsiagaan medis dan kesadaran gizi seimbang. Selain itu, tumbuhnya kreativitas siswa dalam bidang bisnis pangan menunjukkan bahwa sinergi antara literasi kesehatan dan kewirausahaan mampu menciptakan kemandirian siswa. Simpulan dari kegiatan ini adalah pendekatan terpadu sangat efektif dalam membentuk karakter siswa yang sehat secara fisik dan memiliki jiwa kompetitif di era digital.
Co-Authors Agda Laily Ahadiya Ayu Candra Kusuma Dinda Winiastri Leonardo Bele Bau Amaral Nurul Hidayati Rasi Rahagia Siti Khoirotun Nisak Tanza Dona Pertiwi