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All Journal Jurnal Manajemen Bisnis Jurnal Minds: Manajemen Ide dan Inspirasi Al-Hayat: Journal of Islamic Education Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ Jurnal Riset Akuntansi Aksioma International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Riset Entrepreneurship Jurnal Manajemen Bisnis Jurnal Fokus Manajemen Bisnis Journal of Management - Small and Medium Enterprises (SME's) Jurnal Manajemen Bisnis dan Keuangan Jurnal Abdimas Sangkabira Journal Corner of Education, Linguistics, and Literature Golden Ratio of Auditing Research Jurnal Manajemen dan Bisnis Al Jahiz: Journal of Biology Education Research International Journal of Applied Business and International Management Trunojoyo Law Review International Journal of Entrepreneurship and Business Management Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Riset Mahasiswa Akuntansi
Fikri, Muhammad Ali
Unknown Affiliation
Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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.
Co-Authors Aini, Aisyah Nur Al Hanifah, Rossa Alamsyah, Nur Arya Auliyah, Nur Bianca, Dila Budi Barata Kusuma Utami Desta Rizky Kusuma, Desta Rizky Ferdy . Habibullah, Abdul Wachid Hamdi, Muhammad Hermawan Hermawan Hilendri L., Bq Anggun Iman Waskito Lesmana, Shindu Marhadi Marhadi, Marhadi Moh. Soleh Poppy Laksita Rini Prima Astuti Handayani Purwoko Purwoko putra, putu adi Putri, Zilnia Rahayu, Istinganah Nur Ramadhani, Rahmi Sri Sariyanti, Vita Kusumaningrum Setiawan, Zunan Setyawan, Laudza Shofi Rafida Shalihin, Habibus Siti Atikah Siti Nuraini Sulistiyani, Tina Sulistyo, Beni Agus Suryantara, Adhitya Bayu Taufik Hidayat Viky Mainnatul Millah Wardana, Made Galih Wisnu Wicaksana, Dio Ashar Widia Astuti Wijaya, Ari Triadi