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Financial Literacy and Digital Financial Literacy: The Mediating Role of Financial Planning and Control in Micro Furniture Enterprises Aini, Aisyah Nur; Fikri, Muhammad Ali
Golden Ratio of Auditing Research Vol. 6 No. 1 (2026): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v6i1.1657

Abstract

The rapid digital transformation in the financial sector has prompted micro-entrepreneurs to adapt to increasingly complex financial environments. However, many micro-entrepreneurs, particularly in Indonesia’s furniture sector, still face significant challenges in financial management, a lack of structured planning systems, and limited digital financial literacy. These constraints hinder their ability to adopt digital financial services effectively and weaken their competitiveness in the digital economy. This study addresses the issue by examining the influence of financial literacy on digital financial literacy, with financial planning and control serving as a mediating variable. Using the theory of planned behavior as the theoretical foundation, the research explores how attitudes, perceived behavioral control, and intentions influence financial decision-making in a digital context. A quantitative approach was applied, involving 127 micro-enterpreneurs in the furniture industry as respondents. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that financial literacy has a positive effect on both digital financial literacy and financial planning and control. Furthermore, financial planning and control positively mediate the relationship between financial literacy and digital financial literacy. These findings imply that improving financial literacy alone is not sufficient; it must be complemented with structured financial planning and control to strengthen digital financial competencies. Practically, this suggests that training programs and policy interventions should integrate financial education with digital adoption strategies to enhance the competitiveness and sustainability of micro furniture enterprises. Theoretically, the study contributes by extending the theory of planned behavior to explain financial behavior in the digital transformation era.
Green Purchasing Decision: Peran Green Willingness to Purchase, Green Perceived Quality, dan Environmental Concerns Sariyanti, Vita Kusumaningrum; Fikri, Muhammad Ali
Jurnal Manajemen Bisnis dan Keuangan Vol 6 No 2 (2025): Oktober 2025
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v6i2.375

Abstract

Amid the growing public awareness of environmental issues, consumer behavior has shifted toward a preference for more eco-friendly products. This study aims to analyze the influence of green willingness to purchases and green perceived quality on green purchasing decisions, with environmental concern serving as a mediating variable. The research employs a quantitative approach by distributing questionnaires to N’Pure cosmetic consumers who are concerned about environmental issues. A total of 147 respondents participated in this study, and data analysis was conducted using SmartPLS 4.0. The results reveal that green willingness to purchase and green perceived quality have a positive effect on environmental concern. Furthermore, environmental concern positively influences green purchasing decisions. However, environmental concern does not mediate the relationship between green willingness to purchase and green purchasing decisions, while it does mediate the relationship between green perceived quality and green purchasing decisions. These findings highlight the importance of green perceived quality and consumer willingness to purchase as key drivers of green purchasing behavior, particularly when combined with a high level of environmental concern. The practical implications suggest that cosmetic producers such as N’Pure should continue to enhance the quality of their green products and strengthen environmental messaging within their marketing strategies to promote more sustainable purchasing decisions.
Green Brand Innovation Dan Green Brand Loyalty: Peran Mediasi Green Perceived Value Lesmana, Shindu; Fikri, Muhammad Ali
JURNAL MANAJEMEN DAN BISNIS Vol 4 No 2 (2025): Edisi September 2025- Desember 2025
Publisher : Fakultas Ekonomi Universitas Tjut Nyak Dhien Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36490/jmdb.v4i2.2161

Abstract

Purpose– This study aims to analyze the effect of green brand innovation on green brand loyalty with the mediating role of green perceived value. Novelty – This study contributes to the role of green perceived value as a mediator in the relationship between green brand innovation and green brand loyalty in the context of Islamic banking. Unlike previous studies that predominantly focused on the manufacturing sector and consumer products, this research specifically examines the Islamic banking industry in Indonesia, which is still rarely studied, even though this sector is strategic in promoting sustainable practices. Method – The study involved 165 active customers of Bank Syariah Indonesia in Yogyakarta, selected using a purposive sampling technique. The criteria for respondents included Bank Syariah Indonesia customers currently residing in Yogyakarta, customers who had used Bank Syariah Indonesia services for at least one year, and customers who had a good understanding of green brand innovation, green brand loyalty, and green perceived value. Data were collected through a questionnaire using a five-point Likert scale, measuring indicators of green brand innovation, green perceived value, and green brand loyalty adapted from prior studies. The data were analyzed using Structural Equation Modeling - Partial Least Square (SEM-PLS) with Smart PLS 4.0 Findings – The results of the study show that green brand innovation has a significant positive effect on green brand loyalty, green brand innovation has a significant positive effect on green perceived value, green perceived value has a significant positive effect on green brand loyalty, and green perceived value is proven to be a significant partial mediator in this relationship. Limitations and Implications – This research is limited to customers of Bank Syariah Indonesia in Yogyakarta, so generalization of the findings should be done cautiously. Nevertheless, these findings reinforce the relevance of Ajzen's (1991) theory of planned behavior concerning the role of positive attitudes and value perceptions toward green innovation in fostering the formation of intentions and consumer loyalty behavior. Practically, the results of this study can serve as a basis for Islamic banks in designing green innovation strategies focused on enhancing perceived green value to strengthen customer loyalty.
FINANCIAL KNOWLEDGE AND FINANCIAL BEHAVIOR: THE ROLE OF SELF-EFFICACY AND FINANCIAL ATTITUDES Hidayat, Taufik; Fikri, Muhammad Ali; Kusuma, Desta Rizky
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7 No 4 (2023): IJEBAR, Vol. 7 Issue 4, December 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i4.10739

Abstract

Young people are vulnerable people with various problems, especially financial problems. To overcome financial problems, individuals must understand well about financial knowledge, self-efficacy, financial attitudes and also financial behavior. Researchers wanted to analyze the role of self-efficacy and financial attitudes on the effect of financial knowledge on financial behavior. The respondents of this study were generation Z in Yogyakarta with a sample of 80 respondents. Data from respondents were processed with the Structural Equation Model (SEM) with the Smart PLS 4.0 statistical tool. The results of this study show that financial knowledge has an effect on financial behavior, self-efficacy mediates the effect of financial knowledge on financial behavior, financial attitudes mediate the effect of financial knowledge on financial behavior.
Antecedents of Financial Management Behavior: Anteseden Pembentuk Perilaku Manajemen Keuangan Nurisaputri, Adelia Dwi; Fikri, Muhammad Ali; Windikasari, Eka Shinta; Wardana, Made Galih Wisnu
Prosiding University Research Colloquium Proceeding of The 18th University Research Colloquium 2023: Bidang Sosial, Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

A person's level of well-being is measured by many factors, one of which is financial factors. There needs to be basics to help in managing finances so that they can form good financial behavior. The purpose of this study was to find out how knowledge, attitudes, and personality about finance affect financial management behavior. Micro, Small and Medium Enterprises in Yogyakarta were given questionnaires to obtain research data. Research shows that knowledge, attitudes, and personality about finance improve financial management behavior. That way it can be concluded that these three factors can be maximized to form good financial management behavior in running a business.
The Effect of Financial Literacy on Consumptive Behavior: Self-Control as a Mediator: Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif: Pengendalian Diri sebagai Pemediasi Marcella, Eka; Aini, Evanitha Kurrata; Fikri, Muhammad Ali; Katsir, Ahmad
Prosiding University Research Colloquium Proceeding of The 18th University Research Colloquium 2023: Bidang Sosial, Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The situation faced by the younger generation today can affect their consumptive behavior. The level of literacy and self-control are some of the variables that can affect a person's consumptive behavior. How financial literacy can affect a person's consumptive behavior is the aim of this study. To obtain research data, students of the Faculty of Economics and Business from various universities in the Special Region of Yogyakarta were given questionnaires. Research shows that self-control has the ability to mediate the effects of financial literacy on consumptive behavior. Thus, it can be concluded that when one's students have high financial knowledge, they are better able to control their consumptive behavior.
Application of Total Quality Management on Operational Performance: Penerapan Total Quality Management Dalam Kinerja Operasional Alamsyah, Nur Arya; Gusreggi, Alpri; Rini, Poppy Laksita; Fikri, Muhammad Ali
Prosiding University Research Colloquium Proceeding of The 18th University Research Colloquium 2023: Bidang Sosial, Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Operational performance is one of the Company's ongoing supports. The goals to be achieved by the company can be influenced by operational performance, so it is mandatory for the company to maximize its operational performance. The purpose of this study is to determine how the components of total quality management represented by customer satisfaction, employee empowerment, continuous quality improvement, and fact-based management affect operational performance. Employees at Bank Mandiri in Yogyakarta were given a questionnaire to obtain research data. The results showed that customer satisfaction, employee empowerment, and continuous quality improvement were proven to have a negative influence on operational performance. While fact-based management in this study is proven to have a positive influence on operational performance. That way it can be concluded that increasing customer satisfaction, employee empowerment, and continuous quality improvement actually reduce operational performance, while management based on facts shows the opposite results that are able to improve operational performance.
An Overview of Early Detection of Mental Health using SRQ 20 among Hospital Health Workers Rokhmayanti, Rokhmayanti; Desvita, Widea Rossi; Hastuti, Siti Kurnia Widi; Astuti, Fardhiasih Dwi; Wibowo, Rena Anjeli; Sukmatama, Pradisa Ryan; Fikri, Muhammad Ali
Indonesian Journal of Global Health Research Vol 6 No 6 (2024): Indonesian Journal of Global Health Research
Publisher : GLOBAL HEALTH SCIENCE GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/ijghr.v6i6.3972

Abstract

Good mental health is a state of well-being where individuals are able to cope with life's stresses, work productively, and contribute to their communities. In the workplace, good mental health promotes productivity and a positive work environment. Conversely, poor mental health can reduce performance and increase the risk of occupational hazards, especially in the health sector such as hospitals. This study aimed to identify the mental health of health workers in Yogyakarta using the Self-Reporting Questionnaire (SRQ-20). The research method used a descriptive survey involving 87 respondents who were given the SRQ-20 questionnaire. The results showed that 17.2% of the 87 respondents experienced mental emotional disorders, with the majority of symptoms being headaches, anxiety, and depression.
The Influence of Colour Preferences on Cost of Living Allocation Natania, Lalu Muhammad Gian; Fikri, Muhammad Ali
Formosa Journal of Multidisciplinary Research Vol. 3 No. 7 (2024): July 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v3i7.10377

Abstract

This study aims to analyze the psychological relationship between the preference for color by individuals and the allocation of costs spent. This research is important to understand the relationship between color and the allocation of costs made by a person. In allocating the income received, it can be divided into several expenditure items. This cost allocation can be psychologically linked to the favorite color which in this study found a relationship between individuals who like primary and neutral colors. The   method   used   in   this research is quantitative descriptive. The data analysis technique uses bivariate correlation analysis. The sample used was 110 respondents using questionnaire data collection techniques. The sample is accounting students who are taking accounting theory courses. The data analysis  tool  used  is  SPSS  (Statistical Product and Service Solution) version 25.
Building supply chain resilience amid Covid-19: Post-Pandemic strategies for hotel industry Rini, Poppy Laksita; Fikri, Muhammad Ali
Asian Management and Business Review Volume 2 Issue 1, 2022
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol2.iss1.art4

Abstract

One of the businesses where its supply chain management is affected by the risks and major consequences due to Covid-19 is the hotel and tourism industry. As an industry based on human mobility and close social interaction, the tourism and hotel industry has the potential to not only become the center of the spread of the virus but also be the party that bears the most consequences for this pandemic condition. As one of the main tourism destinations in Indonesia, the hotel industry in Yogyakarta City is also struggling with this pandemic situation. One of the steps that can be taken in dealing with disruptive conditions is to create Supply Chain Resilience in the organization's business activities. By conducting the in-depth interview, this qualitative study aims to explore the strategies that have been taken by hotel industry in Yogyakarta City to build supply chain resilience for the post-pandemic condition. Various themes that emerged from the content analysis of interview responses related to the building supply chain resilience strategies amid Covid-19 pandemic have been consised and presented. Based on the content analysis that emerged out of the qualitative enquiry, this study found several strategies are suggested to build supply chain resilience. The strategies that have been successfully conducted in the hotel industry in order to make the business bounce back after the pandemic such as creating work flexibility as HR strategy, managing supply and demand uncertainty, creating disaster management operating procedure, and entering multi-business and multi-channel platforms.