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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora Indonesian Technology and Education Journal
Alamsyah Siregar
Universitas Muhammadiyah Brebes
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Faktor Finansial dan Motivasi Intrinsik terhadap Keberlanjutan UMKM Makanan Skala Mikro Sifa Awalunisa Al Mugni; Kasmin Kasmin; Samudra Syarif Wahyu Hidayatullah; Alamsyah Siregar; Din Eri Pratama
Jurnal Ilmiah Muqoddimah: Jurnal Ilmu Sosial, Politik dan Hummaniora Vol 9, No 4 (2025): November 2025
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jim.v9i4.2025.2316-2320

Abstract

Keberlanjutan Usaha Mikro, Kecil, dan Menengah (UMKM) seringkali dihadapkan pada tantangan fundamental terkait permodalan dan dorongan personal pelaku usaha. Masalah utama yang sering diperdebatkan adalah faktor mana yang lebih dominan dalam menentukan keberhasilan awal. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh modal usaha sebagai faktor finansial dan motivasi kerja sebagai faktor intrinsik terhadap keberlanjutan UMKM bidang makanan di Kabupaten Bekasi. Metode penelitian menggunakan pendekatan kuantitatif dengan sampel jenuh sebanyak 117 responden, dan data dianalisis melalui regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial, motivasi kerja memiliki pengaruh positif dan signifikan terhadap keberlanjutan usaha (p0.05), sedangkan modal usaha tidak berpengaruh signifikan (p0.05). Meskipun demikian, secara simultan kedua faktor tersebut berpengaruh signifikan terhadap keberlanjutan usaha. Kesimpulan dari temuan ini adalah pada tahap awal dan skala mikro, kekuatan motivasi internal pelaku usaha menjadi prediktor keberlanjutan yang lebih kuat dibandingkan besaran modal awal. Temuan ini memberikan perspektif penting bagi program pendampingan UMKM agar tidak hanya berfokus pada bantuan finansial, tetapi juga pada penguatan mentalitas wirausaha.
PERSONAL FINANCIAL MANAGEMENT IN COLLEGE STUDENTS: THE IMPACT OF FINANCIAL KNOWLEDGE AND ATTITUDE ON SAVING BEHAVIOR Fahri Haikal; Putri Sarah Olivia; Alamsyah Siregar; Suyanto Walidi
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3882

Abstract

Introduction: This study is motivated by the low level of financial literacy among university students and the increasing complexity of personal financial management in the modern era. Financial knowledge and financial attitude are considered important factors influencing students’ saving behavior; however, empirical studies integrating these two variables are still limited, particularly in the Indonesian context.Methods: This research employs a quantitative approach using primary data collected through an online questionnaire distributed to 200 university students in the DKI Jakarta area. A purposive sampling technique was applied, and data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM).Results: The findings reveal that financial knowledge has a positive and significant effect on both financial attitude and saving behavior. Financial attitude also has a positive and significant influence on saving behavior. Furthermore, financial attitude plays a stronger role in influencing saving behavior compared to the direct effect of financial knowledge.Conclusion and suggestions: The study concludes that students’ saving behavior is shaped by the interaction between cognitive factors (financial knowledge) and affective factors (financial attitude). Therefore, it is recommended that educational institutions and policymakers enhance financial literacy programs by not only improving knowledge but also fostering positive financial attitudes to promote better saving behavior among students. Keywords: Behavioral Finance; Financial Attitude; Financial Knowledge; Financial Literacy; Saving Behavior
Social Stratification in Digital Learning: A Bibliometric Analysis of Self-Regulated Learning and Pedagogy via Biblioshiny (2016–June 2026) Ridha Aulia; Ervin Endro Sasongko; Alamsyah Siregar; Maya Nur Anisa; A. Nururrochman Hidayatulloh
Indonesian Technology and Education Journal Vol 4 No 2 (2026): Agustus
Publisher : Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/itej.v4i2.1395

Abstract

The digital transformation of global education has accelerated pedagogical shifts that prioritize students’ self-regulated learning (SRL) as a prerequisite for academic achievement. However, contemporary digital curricula frequently overlook social stratification and material disparities present in students’ home learning environments. This descriptive-quantitative bibliometric study maps thematic trends, critiques epistemic biases, and synthesizes global literature on the relationship between socioeconomic class, digital inequality, and students’ digital self-regulated learning agency from 2016 to June 2026. Utilizing the PRISMA protocol, 45 Scopus-indexed documents were analyzed with the Bibliometrix R-package via the Biblioshiny interface. Pierre Bourdieu’s framework of capital, habitus, and symbolic violence guided the examination of publication trends, geographical distribution, citation structures, collaboration patterns, co-keyword networks, and thematic evolution. The results indicate a 19.62% annual growth rate, with a marked increase in publication activity during the first half of 2026. China led in publication output (19 appearances) and citation visibility (182 citations), followed by the United States (10 publications; 178 citations) and Australia (5 publications; 104 citations). Indonesia ranked among the top five contributors in publication output but was absent from major citation distributions, highlighting citation invisibility despite publication visibility. Co-keyword and thematic evolution analyses identified two major shifts: the reduction of SRL’s theoretical depth to psychological, demographic, and administrative performance indicators, and the instrumentalization of SRL through artificial intelligence, adaptive learning technologies, and platform-based education. This study advances Critical SRL by demonstrating that digital learning agency constitutes a stratified form of digital cultural capital rather than solely an individual psychological capacity. The findings are pertinent to policymakers, curriculum designers, and educational technology developers in developing countries aiming to create class-sensitive and socially just digital learning systems.
Co-Authors A. Nururrochman Hidayatulloh Din Eri Pratama Ervin Endro Sasongko Fahri Haikal Kasmin Kasmin Maya Nur Anisa Putri Sarah Olivia Ridha Aulia Samudra Syarif Wahyu Hidayatullah Sifa Awalunisa Al Mugni Suyanto Walidi