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Journal : JAM : Jurnal Aplikasi Manajemen

Management Behavior: The Role of Financial Literacy and Financial Knowledge of MSME Actors Selvi, Selvi; Pakaya, Abd. Rahman; Nahar, Faiza Husnayeni
Jurnal Aplikasi Manajemen Vol. 22 No. 3 (2024)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2024.022.03.20

Abstract

The significance of Micro, Small, and Medium Enterprises (MSMEs) is pronounced globally and plays a crucial part in a nation's economic development. The advancement of MSMEs in Gorontalo Province has consistently progressed, with significant growth observed between 2016 and 2020 in quantity, employment absorption, investment value, and output value. The advancement of MSMEs in Gorontalo City indicates the emergence of effective financial management practices, warranting an examination of the elements that affect the financial management behavior of MSME operators. This study seeks to utilize Planned Behaviour Theory to clarify the impact of financial literacy and financial knowledge on improving financial management behavior. A quantitative approach was utilized with a sample size of 100 proprietors in Gorontalo City. Multiple regression analysis revealed that financial literacy and knowledge significantly affect the financial management behavior of MSME operators in Gorontalo City. In Gorontalo City, the financial management practices of MSME entrepreneurs are influenced by their financial literacy and awareness. Utilizing the Theory of Planned Behaviour framework, this study examines attitudes toward behavior, evaluates subjective norms, and assesses behavioral control in the financial management of MSMEs, highlighting the influence of literacy and knowledge among MSME owners in Gorontalo City, all encapsulated within a singular model. The results of this investigation suggest that the evolution of Planned Behavior Theory is influenced by various internal and external factors that determine individual behavior. MSME members with financial acumen strengthen financial management practices, while those skilled in bookkeeping, budgeting, risk assessment, and savings further improve financial management behavior.
THE RELATIONSHIP BETWEEN AUTONOMY, WORKLOAD, AND WORK-LIFE BALANCE TO JOB PERFORMANCE OF FEMALE LECTURERS AT PRIVATE UNIVERSITIES DURING PANDEMIC COVID -19 Meilani, Yohana F. Cahya Palupi; Bernarto, Innocentius; Nahar, Faiza Husnayeni
Jurnal Aplikasi Manajemen Vol. 20 No. 3 (2022)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.03.02

Abstract

The urgency of this research is to see the performance of female lecturers during the COVID-19 pandemic. This study aimed to analyze the relationship of each variable, namely autonomy, workload and work-life balance, to the job performance of female lecturers at private universities during pandemic covid-19. This type of research is quantitative research. The object of this research is female lecturers at private universities in Tangerang, Indonesia. The sampling used purposive sampling techniques. The analytical tool used is the multiple regression used program SPSS. The results show a positive relationship between autonomy and job performance. Then, the workload has a negative relationship with job performance. Also, work-life balance has a positive relationship with job performance. The managerial implication found in this study shows that this research can give input to private university managers to manage female lecturer performance during pandemic Covid-19. Future researchers are  expected to research lecturers at private and nonprivate Universities. The contribution of this research expected can give input to private university managers to manage female lecturer performance during pandemic Covid-19.
DESIGN THINKING PROCESS IN SME, IS IT STILL POWERFUL IN DEALING WITH THE COVID 19 MARKET TURBULENCE? Efrata, Tommy C.; Radianto, Wirawan E. D.; Nahar, Faiza Husnayeni
Jurnal Aplikasi Manajemen Vol. 20 No. 4 (2022)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.04.03

Abstract

Studies on SME new product development utilizing the design thinking methodology during the pandemic have received little attention from academics. This study aims to examine how a firm's new product and performance are impacted by the design thinking process. The study was carried out at the height of Covid-19's market dominance. Data was gathered using an online survey of 187 SMEs from diverse industries located throughout Indonesia. Purposeful sampling is conducted to find the chosen companies, particularly those that have altered their business model or added new products. The data is then analyzed and modelled using SEM-PLS to determine how the concepts connect. This study discovered that SMEs can still use the design thinking method to assist them in coping with the effects of the pandemic. It has also been demonstrated that market volatility makes the design thinking method less effective. The study highlights the significance of a firm's absorptive capacity for fostering the design-thinking process. The results of this study demonstrate how design thinking helps a business succeed during a period of significant changes in customer behavior, bridging a knowledge gap. The study's conclusions might help SMEs modify their business practices during and after the pandemic.
The Role of Experiential Marketing Towards Purchase Intention in Vertical Building Property Mediated by Brand Image and Brand Awareness Raditya, Andreas; Harianto, Eric; Nahar, Faiza Husnayeni
Jurnal Aplikasi Manajemen Vol. 22 No. 1 (2024)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2024.022.01.07

Abstract

The Covid-19 pandemic has caused various behavioral changes in society, especially in business. People's consumption behavior has shifted to the consumption of daily necessities products, so that sales in property have decreased. This study aims to examine the effect of Experiential Marketing on Purchase Intention at the Ciputra International Jakarta Superblock Project. This research uses a quantitative design using SEM-PLS analysis. The population in this study is sales candy data obtained through Instagram booster ads in the Jakarta area of as many as 334 people, which is also determined by the number of saturated samples. The results showed that experiential marketing variables have a significant influence on brand image and brand awareness. Brand image and brand awareness variables have a significant and positive effect on Purchase Intention. In addition, the results of the mediation of Experiential Marketing variables mediated by Brand Image and Brand Awareness variables have a positive and significant effect on Purchase Intention. The implication of this research is that experiential marketing activities (sense, feel, think, act, and relate) are needed to improve brand image and brand awareness so that they can help increase consumer purchase intention in the vertical building property industry.
Is Fintech a Friend or Foe? Mediating Effects in the Journey from Literacy to Financial Behavior Suryanto, Angelina; Radianto , Wirawan E. D.; Nahar, Faiza Husnayeni
Jurnal Aplikasi Manajemen Vol. 23 No. 1 (2025)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2025.023.1.18

Abstract

This study examines the influence of financial literacy and socialization on financial management behavior, with the perceived usefulness of financial technology as a mediating variable. The increasing use of digital financial services among students has raised questions about whether fintech truly enhances financial management or instead fosters impulsive financial habits. A quantitative research design was applied using a conclusive causal approach. Primary data were collected via online questionnaires distributed to students from six public and private universities in Surabaya, Indonesia. Using purposive sampling, 705 valid responses were obtained from students aged 19–22, currently in semesters 2 to 6, and users of financial technology services such as mobile banking, e-wallets, and investment platforms. Data analysis was conducted using PLS-SEM. The findings show that financial literacy and socialization positively and significantly influence financial management behavior. However, the perceived usefulness of financial technology has a negative effect on financial management behavior. Furthermore, perceived usefulness of financial technology partially mediates the relationship between financial literacy and financial behavior, but does not mediate the relationship between financial socialization and financial behavior. This study contributes novel insights by highlighting the asymmetric mediating role of fintech, challenging the common assumption that technology constantly improves financial outcomes. The results imply the need for educational institutions to enhance students’ digital financial literacy and promote critical awareness of how fintech features may encourage excessive consumption despite good financial knowledge.