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All Journal Journal of Accounting Science PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Bisnis dan Akuntansi BALANCE: Economic, Business, Management and Accounting Journal JASF (Journal of Accounting and Strategic Finance) Academia Open Indonesian Journal of Law and Economics Review Procedia of Social Sciences and Humanities Indonesian Journal of Islamic Studies Prosiding University Research Colloquium West Science Interdisciplinary Studies Abdimas Mandalika West Science Interdisciplinary Studies Journal of Economics and Economic Policy
Nihlatul Qudus Sukma Nirwana
Universitas Muhammadiyah Sidoarjo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Physics Public Health Social Sciences Other

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Analysis of Minimalist Consumption Behavior and Financial Goal Orientation as Predictors of Long-Term Savings Discipline and Budgeting in Generation Z in Jakarta Herlin, Faradilla; Sukma Nirwana, Nihlatul Qudus; Supriandi, Supriandi
West Science Interdisciplinary Studies Vol. 3 No. 06 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i06.1984

Abstract

This study explores the influence of minimalist consumption behavior and financial goal orientation on budgeting practices and long-term savings discipline among Generation Z in Jakarta. Using a quantitative approach, data were collected from 150 respondents via a Likert-scale questionnaire and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS). The findings reveal that financial goal orientation and minimalist consumption behavior significantly impact both budgeting and savings discipline. High R2 and Q² values confirm the model’s explanatory and predictive relevance. The results underscore the importance of promoting financial goal-setting and minimalist behaviors to enhance financial management practices in Generation Z. Practical and theoretical implications are discussed, with recommendations for policymakers and educators to design targeted financial education programs.
Analysis of Minimalist Consumption Behavior and Financial Goal Orientation as Predictors of Long-Term Savings Discipline and Budgeting in Generation Z in Jakarta Herlin, Faradilla; Sukma Nirwana, Nihlatul Qudus; Supriandi, Supriandi
West Science Interdisciplinary Studies Vol. 3 No. 06 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i06.1984

Abstract

This study explores the influence of minimalist consumption behavior and financial goal orientation on budgeting practices and long-term savings discipline among Generation Z in Jakarta. Using a quantitative approach, data were collected from 150 respondents via a Likert-scale questionnaire and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS). The findings reveal that financial goal orientation and minimalist consumption behavior significantly impact both budgeting and savings discipline. High R2 and Q² values confirm the model’s explanatory and predictive relevance. The results underscore the importance of promoting financial goal-setting and minimalist behaviors to enhance financial management practices in Generation Z. Practical and theoretical implications are discussed, with recommendations for policymakers and educators to design targeted financial education programs.
Pemberdayaan UMKM “Dhe Irma” Guna Meningkatkan Efisiensi Produksi dan Aspek Keuangan melalui Pengabdian Masyarakat: Empowerment of Dhe Irma's MSMEs to Increase Production Efficiency and Financial Management through Community Service Nirwana, Nihlatul Qudus Sukma; Wulandari, Indah Apriliana Sari; Hermawan, Sigit; Arista, Sintha Wahyu; Sari, Nilam
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 7 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i7.9543

Abstract

Productive MSMEs can have great potential to progress, mainly if they are well managed. This Community Service (Abdimas) program aims to empower the Dhe Irma MSME to increase production efficiency and financial management. Achieving Sustainable Development Goals (SDGs) No. 8, or "Decent Work and Economic Growth," encourages sustainable, inclusive, and productive economic growth and creates decent and productive jobs for all. The main problems faced by this MSME are the lack of understanding of financial recording and limitations in optimizing the production process, which impact business competitiveness. To overcome these problems, this program is carried out through mentoring methods, training, and providing more efficient production tools. This activity includes training in calculating HPP and optimizing the use of production tools. The implementation method in this community service is planning, implementation, and evaluation by the community service team. The results of this program show an increase in efficiency in the production process and a more structured financial recording system. Before this assistance, Pawon Dhe Irma MSME did not have financial reports, and HPP was not calculated in the sale of its products. However, after this assistance, Dhe Irma MSME has a better understanding of financial management, can make financial reports, can calculate HPP, and can increase its production capacity, which ultimately can strengthen business competitiveness in the market.
Financial Literacy And Investment Interest In Islamic Students: Literasi Keuangan dan Minat Berinvestasi pada Mahasiswa Islam Maulidiyah , Eva Dwi; Nirwana, Nihlatul Qudus Sukma
Indonesian Journal of Islamic Studies Vol. 13 No. 1 (2025): February
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijis.v13i1.1810

Abstract

Background: The development of Islamic capital markets has increased interest among students to invest, yet their understanding of financial literacy remains limited. Specific Background: Previous studies focused mainly on conventional literacy, while this research emphasizes Islamic financial literacy among students. Knowledge Gap: There is a lack of empirical data linking Islamic financial literacy with students’ investment interest. Aims: This study aims to identify the level of Islamic financial literacy and its relationship with students’ investment interest. Results: Findings indicate that students with higher literacy levels demonstrate stronger interest and better investment behavior aligned with sharia principles. Novelty: This study integrates financial education and Islamic values as an approach to strengthening students’ economic awareness. Implications: The results suggest that universities should enhance Islamic financial literacy through curriculum integration and practical exposure to sharia-compliant financial activities. Highlights:• Islamic financial literacy enhances students’ investment awareness• Integration of Islamic values in financial learning• Educational implication for Islamic higher education Keywords: Islamic financial Literacy, Investment Interest, Students, Sharia Education, Islamic Economics
Co-Authors Abdul Gaffar Ainindya, Ninik Ruma'isya Almaidah, Riza Amanda, Silvia Arista, Sintha Wahyu Clarisa Ika Candrawati Duwi Rahayu Faradilla Herlin Firnata, Tifani Angga Isnaini Jaziroh, Wardatul Mahendra, Danar Putra Mariani, Anti Maulidiyah , Eva Dwi Melinda Ibrahim Misti Hariasih Muhammad Ichsan Gaffar Mulyanti , Sasa Nilam Sari Nur Ravita Hanun Puspita Handayani Reswari , Anis Arista Ruci Arizanda Rahayu Sarwenda Biduri Setyaningrum, Intan Sigit Hermawan Sri Handayani Sumartik Supriandi Supriandi, Supriandi Tri Yuda Lesmana Wulandari, Indah Apriliana Sari Yanik Purwanti