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All Journal Jurnal Ekonomi : Journal of Economic Jurnal Keuangan dan Perbankan Kinerja Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Ilmu Manajemen (JIMMU) SULTANIST: Jurnal Manajemen dan Keuangan JURNAL LENTERA BISNIS Indonesian Journal of Accounting and Governance Journal of Enterprise and Development (JED) Jurnal Informatika Ekonomi Bisnis Community Engagement and Emergence Journal (CEEJ) Jurnal Ilmiah Manajemen Kesatuan EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Community Development Journal: Jurnal Pengabdian Masyarakat Ilomata International Journal of Management Jurnal Terapan Manajemen dan Bisnis AKSELERASI: Jurnal Ilmiah Nasional Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Journal Of Human And Education (JAHE) Jurnal Locus Penelitian dan Pengabdian Economic Reviews Journal Jurnal Manajemen Bisnis dan Organisasi Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Innovative: Journal Of Social Science Research Benefit : Journal of Bussiness, Economics, and Finance Jurnal Informatika Ekonomi Bisnis Abdimas Mandalika Technology and Society Perspectives (TACIT) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Multidisiplin Indonesia Jurnal Cendekia Ilmiah Indonesian Journal of Accounting and Governance Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Ekonomi dan Bisnis (Jebi)
Fadli, Jul Aidil
Universitas Esa Unggul
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Integrasi Strategic Group Model dan Enterprise Risk Management dalam Mendukung Keunggulan Bersaing pada Industri Pangan Fungsional: Studi Kasus B-FLESA Ririn Khoerunnisa; Dimas Angga Negoro; Tantri Yanuar Rahmat Syah; Jul Aidil Fadli
Benefit: Journal of Bussiness, Economics, and Finance Vol. 4 No. 5 (2026): BENEFIT: Journal Of Business, Economics, and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/benefit.v4i5.2167

Abstract

Industri pangan fungsional mengalami pertumbuhan signifikan seiring meningkatnya kesadaran masyarakat terhadap kesehatan preventif. Namun, tingginya risiko operasional pada produk fermentasi menuntut perusahaan untuk memiliki strategi bisnis yang kompetitif sekaligus sistem manajemen risiko yang terintegrasi. Penelitian ini bertujuan menganalisis strategi pengembangan bisnis B-FLESA melalui pemetaan posisi kompetitif menggunakan Strategic Group Model dan mengevaluasi penerapan Enterprise Risk Management berdasarkan ISO 31000:2018. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus pada B-FLESA, perusahaan pangan fungsional berbasis fermentasi dengan produk yoghurt, kefir, kombucha, dan snack bar. Data primer diperoleh dari Business Plan B-FLESA, sedangkan data sekunder berasal dari literatur, laporan industri, dan standar ISO 31000:2018. Analisis dilakukan melalui pemetaan posisi kompetitif berdasarkan dimensi diferensiasi produk dan cakupan pasar, serta identifikasi, analisis, evaluasi, dan mitigasi risiko.Hasil penelitian menunjukkan bahwa B-FLESA berada pada kelompok focused differentiation dengan keunggulan pada inovasi produk, bahan alami, kandungan probiotik terstandarisasi, dan edukasi kesehatan. Risiko prioritas tertinggi adalah kegagalan fermentasi dan produk basi sebelum kedaluwarsa yang berdampak pada kualitas dan reputasi merek. Strategi mitigasi difokuskan pada pengendalian mutu, monitoring cold chain, SOP, dan kepatuhan regulasi. Integrasi antara Strategic Group Model dan Enterprise Risk Management menunjukkan bahwa keunggulan kompetitif hanya dapat dipertahankan apabila didukung oleh pengelolaan risiko yang sistematis. Dengan demikian, pendekatan terintegrasi ini dapat meningkatkan daya saing dan ketahanan bisnis B-FLESA secara berkelanjutan. Kata Kunci: Pangan Fungsional, Fermentasi, Strategic Group Model, Focus Differentiation, Enterprise Risk Management, ISO 31000:2018, Manajemen Risiko, B-FLESA
Behavioural Drivers of Financial Well-Being Among Private School Teachers: Reconsidering the Role of Saving Habits Jul Aidil Fadli; Tegar Satya Putra
Ilomata International Journal of Management Vol. 7 No. 3 (2026): July 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i3.2212

Abstract

This study examines the relationships among financial literacy, risk tolerance, future time perspective, saving habits, and financial well-being. This empirical model addresses limited evidence in research on teachers' context related to financial well-being. This study used a quantitative approach, employing a questionnaire administered to private school teachers in Jakarta. The data were collected from 160 non-certified private school teachers who were aged 23 to 55. Partial Least Squares - Structural Equation Modelling (PLS-SEM) were used to analysed the data. The findings show that future time perspective is the strongest predictor, with positive effects on both financial well-being and saving habits. Saving habits also enhance financial well-being, suggesting that routine saving behaviour plays an important role in strengthening teachers' perceived financial security. Financial literacy does not directly improve financial well-being, but it significantly promotes saving habits, indicating that financial knowledge becomes more meaningful when translated into disciplined financial behaviour. Risk tolerance shows no significant direct and indirect effect on financial well-being, implying that willingness to take financial risks may not necessarily support well-being through saving behaviour. Then, saving habits were not proven to be a mediator between financial literacy, risk tolerance, future time perspective, and financial well-being. This is because saving is a necessity in the context of urban workers in big cities, so financial behaviour is not always initiated by intention, but rather by conditions that require them to survive. This study highlights the importance of future-oriented thinking and consistent saving habits as key behavioural foundations of financial well-being.
PENGARUH FINANCIAL LITERACY DAN HERDING BEHAVIOR TERHADAP INVESTMENT INTENTION IN GOLD MELALUI FINANCIAL RISK TOLERANCE SEBAGAI MEDIASI DI WILAYAH KABUPATEN BEKASI Selviana Syukriati Boru Tarigan; Jul Aidil Fadli
JURNAL LENTERA BISNIS Vol. 15 No. 3 (2026): JURNAL LENTERA BISNIS, SEPTEMBER 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i3.2503

Abstract

Gold investment is gaining popularity among the Indonesian public, including in the Bekasi Regency—an industrial area characterized by a diverse workforce. Understanding of the psychological and behavioral factors driving the intention to invest in gold among populations in industrial-urban areas remains limited. This study aims to examine the influence of financial literacy and herding behavior on the intention to invest in gold, as well as to analyze the role of financial risk tolerance as a mediating variable in this relationship among the residents of Bekasi Regency. A quantitative method was employed using a survey approach via an online questionnaire distributed to 170 respondents selected through purposive sampling. Data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with SmartPLS 4 software; the analysis involved outer model testing (covering convergent validity, discriminant validity, and construct reliability) and inner model testing (covering R-square values, model fit/SRMR, and path coefficients) to test seven research hypotheses. The results confirm that both financial literacy and herding behavior positively and significantly influence the intention to invest in gold. Furthermore, financial risk tolerance positively and significantly affects the intention to invest in gold and mediates the relationships involving financial literacy and herding behavior. Consequently, this study implies that enhancing financial literacy and strengthening risk management education are crucial for fostering rational decision-making regarding gold investment.
Peran Saving Behaviour, Financial Self-Efficacy, dan Risk Tolerance dalam Hubungan antara Financial Literacy dan Investment Intention pada Karyawan yang Sedang Menempuh Studi Lanjut Farahdila Sukmana Putri; Abdurrahman Abdurrahman; Jul Aidil Fadli; Rina Anindita
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.12066

Abstract

Financial Literacy menjadi salah satu faktor penting dalam membentuk Investment Intention, namun pengaruhnya tidak selalu terjadi secara langsung karena melibatkan mekanisme perilaku dan psikologis. Penelitian ini bertujuan menganalisis peran Saving Behaviour, Financial Self-Efficacy, dan Risk Tolerance dalam hubungan antara Financial Literacy dan Investment Intention pada karyawan yang sedang menempuh studi lanjut. Penelitian ini menggunakan desain asosiatif untuk menganalisis hubungan antarvariabel, dengan pendekatan kuantitatif dan pengumpulan data secara cross-sectional. Data diperoleh melalui survei terhadap 147 karyawan aktif di wilayah Jabodetabek menggunakan teknik purposive sampling dan dianalisis menggunakan Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa Financial Literacy berpengaruh positif terhadap Saving Behaviour, Financial Self-Efficacy, dan Risk Tolerance. Selanjutnya, Financial Self-Efficacy dan Risk Tolerance berpengaruh positif terhadap Investment Intention, sedangkan Saving Behaviour tidak berpengaruh terhadap Investment Intention. Hasil mediasi menunjukkan bahwa Financial Self-Efficacy dan Risk Tolerance mampu memediasi pengaruh Financial Literacy terhadap Investment Intention, sedangkan Saving Behaviour tidak berperan sebagai mediator. Temuan ini menunjukkan bahwa peningkatan niat berinvestasi lebih efektif dilakukan melalui penguatan keyakinan individu dalam mengelola keuangan dan kesiapan menghadapi risiko, didukung oleh peningkatan literasi keuangan yang aplikatif.
Financial Socialization and Digital Financial Literacy in Shaping Financial Well-Being: The Mediating Roles of Financial Behavior and Resilience among Indonesian Millennial Sandwich Generation Tika Mahalia; Jul Aidil Fadli
Technology and Society Perspectives (TACIT) Vol 4 No 3 (2026): Research Article
Publisher : PT. LITERASI SAINS NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61100/tacit.v4i3.400

Abstract

This study examines the effects of financial socialization and digital financial literacy on financial well-being through financial behavior and resilience among Indonesian Millennial sandwich-generation individuals. Using a quantitative approach, data were collected from 431 respondents selected through purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that financial socialization positively influences financial behavior, financial resilience, and financial well-being. Digital financial literacy positively affects financial behavior but has no significant effect on financial resilience and exhibits a negative relationship with financial well-being. Financial behavior does not significantly influence financial well-being or mediate the proposed relationships. Conversely, financial resilience emerges as the strongest predictor of financial well-being and significantly mediates the relationship between financial socialization and financial well-being. These findings extend Family Resource Management System Theory by highlighting financial resilience as a crucial adaptive mechanism for maintaining financial well-being under intergenerational financial responsibilities.
Co-Authors Abdurrahman Abdurrahman Afilia Filaili Wahyuni Alfiani, Dewi Fortuna Amira Maulidianti Anik Nur Kholifah Anisa Miranti Audyanova, Sofie Ayuningtyas, Ari Hartanti Carolina, Tyasa Chrysnawati Yuel Parinding Daman Huri Diana Fajarwati Dimas Angga Negoro Dimas Angga Negoro Ely Kulsum ERNAWATI, DESI Farahdila Sukmana Putri Firra Fiqriyah Franky Anggreiawan Gerry Nugraha Pradhana Hafifah Rahmanisah Hidayanti, Linna Ika Baskara Ika Widayani Imanuel Madea Sakti Jazi Munjazi Kusherawati, Septia Kusuma, Jessy Wijaya Liana, Eva Linna Hidayanti Lita Louise Vincent Mahardhika, Miranda Mahrita, Ani Manis Khintana, Julia Mariana, Yeni Mitha Goshita Purwaningsih Nugraha Pradhana , Gerry Pradila, Adhi Tyas Pratama, Achmad Difa Puji Astuti Purnamasari, Dita Satriana Purwaningsih, Mitha Goshita Purwoko, Agus Ray Farandy Suhardi Ray Farandy Suhardi Suhardi Rhian Indradewa Rina Anindita Ririn Khoerunnisa Rizky Sihaloho Sapto Jumono Selviana Syukriati Boru Tarigan Shiva Islamy, Gemintang Sihaloho, Rizky Silvia Mutiara Natasha Siregar, Sarah Veronica Sofyan, Joel Faruk Sumarni, Iseu Susilowati, Nofi Sutawijaya, Ahmad Hidayat Tantri Yanuar Rahmat Syah Tegar Satya Putra Tika Mahalia Tyasa Carolina Vindri Hanan, Kheisya Wijaya, Johan Yudistria, Yuyus Yuni Ovianti Zaenudin Rivai, Mohamad