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All Journal Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Eco-Entrepreneur Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri JCES (Journal of Character Education Society) Conference on Innovation and Application of Science and Technology (CIASTECH) JSHP (Jurnal Sosial Humaniora dan Pendidikan) Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi MANAJEMEN DEWANTARA Jurnal Ilmiah Akuntansi dan Bisnis BISEI: Jurnal Bisnis dan Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Benchmark Jurnal Ekonomi JURNAL ILMIAH GLOBAL EDUCATION Jurnal Kajian Ilmu Manajamen Madani: Multidisciplinary Scientific Journal APLIKATIF: Journal of Research Trends in Social Sciences and Humanities Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Jurnal Karya untuk Masyarakat (JKuM)
Kurniawan, Moh. Zaki
Universitas Trunojoyo Madura
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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PENGARUH INKLUSI KEUANGAN, FINANCIAL TECHNOLOGY DAN PENGELOLAAN KEUANGAN TERHADAP KINERJA UMKM PEDESAAN DI MADURA Rozalinda; Moh. Zaki Kurniawan
JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Vol. 6 No. 02 (2023): JIMEK
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/jimek.v6i02.4996

Abstract

The reason for this study is to decide the impact of financial inclusion, financial technology, and financial management on the performance of rural MSMEs in Madura. The population of this study consists of rural MSMEs in Madura. In taking respondents, there were 100 people who were addressed to MSME entertainers by distributing questionnaires, this study utilizes the purposive sampling method in deciding the example. The study findings indicate that there is an impact of financial inclusion and financial management on MSME performance, however financial technology has no impact on the performance of MSMEs.
Manajemen Keuangan UMKM: Love of Money, Financial Attitude dan Financial Self-Efficacy Nurdini Faradisa; Moh. Zaki Kurniawan; Safrizal, Helmi Buyung Aulia
AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi Vol 16 No 2 (2024): Akuntabilitas
Publisher : Universitas Islam Balitar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35457/akuntabilitas.v16i2.4023

Abstract

Pengelolaan keuangan yang efisien masih menjadi kendala menurut pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Studi ini bertujuan untuk mengeksplorasi bagaimana love of money, financial attitude, dan financial self-efficacy kepada pengelolaan keuangan UMKM di Kabupaten Bangkalan. Studi ini menggunakan model kuantitatif dengan pemilihan sampel yang tidak bersifat probabilitas, khususnya melalui purposive sampling. Proses pengolahan data bertujuan untuk mengidentifikasi cara variabel bebas dan terikat berinteraksi satu sama lain. Di dalam prosesnya, serangkaian uji yang mencakup pemeriksaan kualitas data, uji asumsi klasik, serta pengujian hipotesis melalui analisis determinasi dan regresi berganda. Temuan dari studi ini menyatakan love of money, financial attitude, dan financial self-efficacy memiliki dampak baik secara parsial maupun simultan terhadap manajemen keuangan, ini mengindikasikan bahwa orientasi positif terhadap uang dan perilaku finansial yang baik dapat meningkatkan praktik pengelolaan keuangan. Selain itu, sikap dan faktor psikologis memainkan peranan penting dalam meningkatkan efektivitas manajemen keuangan dikalangan UMKM. Stusi ini memberikan wawasan berharga mengenai elemen-elemen yang berperan pengelolaan keuangan di sektor UMKM di Bangkalan.
MANAJEMEN KEUANGAN UMKM: LOVE OF MONEY, INKLUSI KEUANGAN, DAN FINANCIAL SELF EFFICACY Fany Dwiyanti Adinda; Kurniawan, Moh. Zaki; Safrizal, Helmi Buyung Aulia
MANAJEMEN DEWANTARA Vol 8 No 3 (2024): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v8i3.18613

Abstract

In Indonesia, a large number of MSMEs have not yet implemented efficient financial management techniques. The financial management of MSMEs in Pamekasan Regency is examined in this study in relation to financial inclusion, financial self-efficacy, and a Love of money. Purposive sampling and other non-probability sampling techniques were used in a quantitative approach. Researchers investigated variable relationships using four analytical approaches: multiple regression analysis, data quality assessment, standard assumption verification, and hypothesis testing. The results show that while financial inclusion and financial self-efficacy do not have a partial impact on financial management, a Love of money does. However, the financial management of MSMEs in Pamekasan Regency is simultaneously impacted by these three factors.
Pengaruh Content Marketing dan Influencer Marketing terhadap Purchase Intention Produk Somethinc Pada Generasi Z Pengguna Tiktok di Blitar Maharani, Nabella Intan Kiki; Kurniawan, Moh Zaki; Mawardi, Muhammad Adib; Khoirianto, Redy
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 6 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15767268

Abstract

This study aims to determine the Influence of Content Marketing and Influencer Marketing on Purchase Intention of Somethinc Products on Generation Z Tiktok Users in Blitar. This study uses a quantitative method, with primary data in the form of questionnaire answers distributed online using Google Form to respondents. The population in this study was Generation Z users of Somethinc products who were active on Tiktok, with a sample of 100 respondents using the Lemeshow formula. Data was processed and retrieved using SPSS version 21. The results of the study indicate that: 1) Content marketing has a significant partial influence on the purchase intention of somethinc products on generation z TikTok users in Blitar; 2) Influencer marketing has a significant partial influence on the purchase intention of somethinc products on generation z TikTok users in Blitar; 3) Content marketing and influencer marketing have a significant influence together on the purchase intention of somethinc products on generation z TikTok users in Blitar.
The Role of Financial Knowledge and Inclusion in MSME Behavior in Bangkalan Adityani Nur Witasari; Helmi Buyung Aulia Safrizal; Kurniawan, Moh. Zaki
APLIKATIF: Journal of Research Trends in Social Sciences and Humanities Vol. 4 No. 2 (2025): APLIKATIF: Journal of Research Trends in Social Sciences and Humanities
Publisher : Lembaga Junal dan Publikasi, Universitas Muhammadiyah Buton

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/aplikatif.v4i2.666

Abstract

This research examines the impact of financial knowledge and financial inclusion on the financial behavior of MSME actors in Bangkalan Regency. Using a quantitative approach, the study analyzes data from 80 MSME entrepreneurs selected through purposive sampling. The primary data was collected via structured questionnaires and analyzed using multiple regression techniques. The findings reveal that both financial knowledge and financial inclusion significantly influence the financial behavior of MSMEs in the region. This study contributes to the literature by addressing the gap in research on financial behavior among MSMEs in developing regions, particularly in Bangkalan. It combines financial knowledge and financial inclusion to provide a comprehensive understanding of financial behavior in this context. The study extends the behavioral finance framework and offers practical insights for policymakers and financial service providers to design inclusive financial policies and educational programs aimed at improving MSME financial practices. Theoretically, it enhances the understanding of financial behavior in rural MSME contexts, while practically calling for integrated policies that combine financial education with better access to financial services.
MENINGKATKAN MAAJEMEN KEUANGAN UMKM : DAMPAK FINANCIAL KNOWLEDGE, LOVE OF MONEY, DAN SELF-EFFICACY zaki; Regita Putri Cahyani; Moh. Zaki Kurniawan; Helmi Buyung Aulia Safrizal
JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Vol. 8 No. 1 (2025): JIMEK VOL 08 NO 01 2025
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/jimek.v8i1.6251

Abstract

Madura is an island in Indonesia that is rich in diversity. Madura's diversity can innovate in the development of traditional businesses, the difficulties that exist in Madura. However, there are several obstacles that UMKM in Madura often face. These obstacles, such as marketing which is still generally traditional, difficulty accessing financial services, can make UMKM players tend not to understand how to manage UMKM finances properly and correctly. The research objective is to determine the influence of financial knowledge, love of money, and financial self-efficacy on the financial management of Madurese MSMEs. The population is MSME actors in sub-districts in Sampang district, with a sample of 100 MSME actors in Sampan district. Quantitative research is used by researchers as a type of research, where data is collected through questionnaires and interviews with multiple linear analysis and classical assumption analysis. The results explain that financial knowledge, love of money, and financial self-efficacy have a positive and significant influence on the financial management of MSMEs in Madura. This research provides the implication that increasing financial knowledge and self-confidence in financial management can improve the quality of financial management of MSMEs in Sampang district.
PENGARUH PENGETAHUAN KEUANGAN, SIKAP KEUANGAN, INKLUSI KEUANGAN DAN FINANCIAL TECHNOLOGY TERHADAP PERSONAL FINANCE UMKM DI MADURA Siti Sundari; Moh. Zaki Kurniawan; Bambang Sudarsono
JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Vol. 7 No. 1 (2024): JIMEK VOLUME 7 NO 1 2024
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to identify the impact of financial knowledge, financial attitudes, financial inclusion, and Financial Technology on Personal Finance in Micro, Small and Medium Enterprises (MSMEs) in the Madura region. The subject of this study is MSME actors in Madura. As many as 100 MSME actors in Madura became respondents in this study through the distribution of questionnaires. The method used in this research is purposive sampling. The results of the study indicate that there is a positive impact of financial attitudes on the personal finance of MSMEs in Madura. However, financial knowledge, financial inclusion, and financial technology did not have a significant impact on MSME personal finance in Madura.
MANAJEMEN KEUANGAN UMKM: LOVE OF MONEY, INKLUSI KEUANGAN, DAN FINANCIAL SELF EFFICACY Fany Dwiyanti Adinda; Kurniawan, Moh. Zaki; Safrizal, Helmi Buyung Aulia
MANAJEMEN DEWANTARA Vol 8 No 3 (2024): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v8i3.18613

Abstract

In Indonesia, a large number of MSMEs have not yet implemented efficient financial management techniques. The financial management of MSMEs in Pamekasan Regency is examined in this study in relation to financial inclusion, financial self-efficacy, and a Love of money. Purposive sampling and other non-probability sampling techniques were used in a quantitative approach. Researchers investigated variable relationships using four analytical approaches: multiple regression analysis, data quality assessment, standard assumption verification, and hypothesis testing. The results show that while financial inclusion and financial self-efficacy do not have a partial impact on financial management, a Love of money does. However, the financial management of MSMEs in Pamekasan Regency is simultaneously impacted by these three factors.
Tingkatkan Inklusi Keuangan UMKM di Wisata Pesisir Madura: Peran Literasi Keuangan dan Pemanfaatan Fintech Kurniawan, Moh. Zaki; Gitayuda , M. Boy Singgih
Jurnal Ilmiah Akuntansi & Bisnis Vol 8 No 1 (2023)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/jiab.v8i1.4900

Abstract

Salah satu kunci utama dalam mendorong perkembangan dan peningkatan UMKM pada satu daerah adalah tingkat pertumbuhan inklusi keuangan dari daerah tersebut. Jika daerah tersebut memiliki tingkat inklusi keuangan yang tinggi maka akan semakin tinggi pula tingkat pertumbuhan UMKM serta tingkat keberlangusngan UMKM di daerah tersebut. Riset ini bermaksud untuk meneliti pengaruh dari literasi keuangan dan fintech dalam mempengaruhi inklusi keuangan UMKM di wilayah pesisir Madura. Riset yang dilakukan menggunakan pendekatan kuantitatif. Pendekatan kuantitatif dipilih dengan membuat scoring skala pengukuran skala interval 1-5 pada kuesioner. Pengujian dan pengolahan data menggunakan metode analisis regresi linier berganda. Teknik dalam menentukan sampel menggunakan pendekatan purposive sampling dengan jumlah sampel 160 responden pelaku UMKM di kabupaten Pamekasan dan Sumenep. Hasil dari penelitian memberikan kesimpulan bahwa literasi keuangan serta fintech secara parsial dan simultan mampu memberikan pengaruh pada inklusi keuangan UMKM di pesisir Madura. Kontribusi penelitian ini adalah dalam pengembangan inklusi keuangan UMKM di pesisir Madura harus memperhatikan faktor kunci literasi keuangan dan fintech sehingan pengembangan inklusi keuangan yang dilakukan bisa berjalan sesuai harapan.
The Effect of Financial Literacy and Financial Technology on the Sustainability of Micro and Small Enterprises in the Madura Region Through Financial Behavior as a Mediating Variable Ariyanti S, Ririn; Kurniawan, Moh. Zaki
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.642

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a vital component of Indonesia's economic development. MSMEs not only drive economic growth but also absorb a large portion of the workforce. This study aims to examine the influence of Financial Literacy and Financial Technology on the sustainability of enterprises in the Madura region, with Financial Behavior as a mediating variable. MSMEs in Madura face challenges in financial management due to low Financial Literacy and limited access to Financial Technology, making business sustainability highly dependent on the Financial Behavior of entrepreneurs. This research employs a quantitative approach using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS), with data collected through purposive sampling from MSME actors in Madura. The results indicate that Financial Literacy and Financial Technology significantly affect Financial Behavior, which in turn has a positive impact on business sustainability. These findings suggest that improving literacy and utilizing Financial Technology are crucial for enhancing the Financial Behavior of MSME actors to support the sustainability of their businesses.
Co-Authors Adityani Nur Witasari Alfiana Putri Yuliandini Anidya Ilmi Febriyanti Arie Setyo Dwi Purnomo Arif Arif Wahyudi Ariyanti S, Ririn Audrey Raradwinury Arifni Aziz, Muhammad Ridwanul Bambang Sudarsono Bambang Sudarsono Camelia, Nabila Putri Endah Masrunik Endah Masrunik Fany Dwiyanti Adinda Faradiana, Intan Putri Gitayuda , M. Boy Singgih Hadyarti, Vidi Hasanah Hasanah Hidayatullah, Ahmad Thariq Jamhari Jamhari Khoirianto, Redy M. Boy Singgih Gitayuda Maharani, Nabella Intan Kiki Mawardi, Muhammad Adib Mickhael Christian Simon Nurdini Faradisa Pratama, Abdul Latif Redy Khoirianto Regita Putri Cahyani Rohma, Luthfia Dwi Rozalinda Safrizal, Helmi Buyung Aulia Siti Sundari Tri Wahyu Wijayanti Ula, Muhammad Fathul Wulan Safitri Yuli Dwi Nurmaningtyas Zaki