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All Journal IRDH International Journal of Social Sciences & Humanities (IRDH IJSCH) International Journal of Management and Business
Willy Tri Hardianto
Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Humanities Economics, Econometrics & Finance Social Sciences

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The Influence of Financial Literacy and Financial Management on The Saving Interest of Final Semester Management Students (Case Study at University of Tribhuwana Tunggadewi) Maria Nining Heldi; Warter Agustim; Willy Tri Hardianto
International Journal of Management and Business Vol. 3 No. 3 (2026): July
Publisher : International Research & Development for Human Beings (IRDH)

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Students, as part of the younger generation, hold a pivotal role in fostering sustainable and responsible financial behavior. Nevertheless, evidence indicates that many continue to display consumptive habits and demonstrate limited interest in saving. This discrepancy highlights a critical gap between financial knowledge and its practical application, underscoring the need for enhanced financial literacy initiatives to bridge the divide and promote healthier financial practices among students. The purpose of this research is to analyze the influence of financial literacy and financial management on the savings interest of final semester management students at Tribhuwana Tunggadewi University, Malang. This study uses a quantitative approach with multiple linear regression analysis method. The data used are primary data obtained through distributing questionnaires to 66 respondents selected using random sampling technique. The results of the study indicate that partially, financial literacy does not significantly influence the interest in saving, as indicated by the calculated t value of 1.235, smaller than the t table of 1.669 and a significance value of 0.221, greater than 0.05. Meanwhile, financial management significantly influences the interest in saving with a calculated t value of 6.267, greater than the t table of 1.669 and a significance level of 0.000, smaller than 0.05. This indicates that financial management is a dominant variable in influencing students' interest in saving. In addition, the results of the study also show that simultaneously financial literacy and financial management influence students' interest in saving.
Analysis of the Effectiveness of Village Revenue and Expenditure Budget Management in Donowarih Village, Karangploso District, Malang Regency Khatarina Shinta; Willy Tri Hardianto; Luh Dina Ekasari
International Journal of Management and Business Vol. 3 No. 4 (2026): October
Publisher : International Research & Development for Human Beings (IRDH)

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This study aims to analyze the effectiveness of APBDes management in Donowarih Village, Karangploso District, Malang Regency, Fiscal Year 2024. The study uses a qualitative approach and a descriptive research type, with data collection techniques including in-depth interviews, observation, and documentation study. Data analysis is conducted using the Miles and Huberman model, which includes data reduction, data presentation, and drawing conclusions, while data validity is tested through technique triangulation. The results of the study show that APBDes management in Donowarih Village has been carried out through the stages of planning, implementation, administration, reporting, and accountability in accordance with Minister of Home Affairs Regulation Number 20 of 2018. Based on the effectiveness ratio analysis results, the village revenue realization for the 2024 fiscal year reached Rp2,831,788,014.09 from the target of Rp2,829,393,753.41 with an effectiveness level of 100.08 percent, thus falling into the very effective category. However, in terms of expenditure implementation, the budget absorption rate only reached 75.65 percent, indicating that budget implementation is still not optimal.
The Use of Financial Technology for the Success of SMEs (A Study of Bookstores at Togamas Dieng) Maria Afensiana Tutoq Buangleraq; Cakti Indra Gunawan; Willy Tri Hardianto
IRDH International Journal of Social Sciences & Humanities Vol. 3 No. 3 (2026): October
Publisher : International Research and Development for Human Beings (IRDH)

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The purpose of this study is to examine how financial technology contributes to the success of Micro, Small, and Medium Enterprises (MSMEs), specifically at the Togamas Bookstore, Dieng Branch, Malang City. This is done considering the important role of MSMEs in the national economy and the rapid development of digital financial technology, which facilitates transactions, financial management, and increases business actors' access to financial services. This study uses a qualitative method with a descriptive approach, collecting data through observation, interviews, and documentation. Managers, employees, and customers were selected as informants through purposive sampling, and data analysis was carried out through data reduction, data presentation, and drawing conclusions. The research findings indicate that the Togamas Bookstore has integrated financial technology in the form of digital payment systems such as QRIS, debit cards, and credit cards, which have been proven to improve operational efficiency, accelerate transaction processes, and support more accurate and transparent financial records. From a customer perspective, the use of FinTech offers convenience, comfort, and increases transaction satisfaction.
The Effect of Equality and Respect, Tolerance for Diversity, and Workforce Justice (Diversity Management) on Organizational Citizenship Behavior among Employees at the BKPSDM Office, Malang City Melda Aprilia Nur Cahyani; Willy Tri Hardianto; Noviana Yaniar Suprajitno
IRDH International Journal of Social Sciences & Humanities Vol. 3 No. 3 (2026): October
Publisher : International Research and Development for Human Beings (IRDH)

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In the era of globalization, organizations face increasingly complex diversity, requiring human resource management through the implementation of Diversity Management. This study aims to analyze the influence of Equality and Respect, Tolerance of Diversity, and Employee Fairness as indicators of Diversity Management on Organizational Citizenship Behavior of employees at the BKPSDM Office in Malang City. This study uses a quantitative approach with data collection techniques through questionnaires to all 47 employees. Data analysis was carried out using multiple linear regression with the help of SPSS. The results of this study indicate that Tolerance of Diversity has a positive and significant effect and is a dominant factor on Organizational Citizenship Behavior. Meanwhile, Equality and Respect and Employee Fairness do not have a significant effect on Organizational Citizenship Behavior. With a contribution value of 58.8%, it can be explained by the three independent variables in this study, while the remaining 41.2% is influenced by other factors outside this research model, for example, Intrinsic Motivation, Leadership, Social Support, Organizational Commitment and many other influencing factors.
Co-Authors Cakti Indra Gunawan Khatarina Shinta Luh Dina Ekasari Maria Afensiana Tutoq Buangleraq Maria Nining Heldi Melda Aprilia Nur Cahyani Noviana Yaniar Suprajitno Warter Agustim