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All Journal Jurnal Ekonomi Syntax Literate: Jurnal Ilmiah Indonesia International Journal of Supply Chain Management Jurnal Muara Ilmu Ekonomi dan Bisnis Jurnal Ekonomi Manajemen Sistem Informasi Business Management Journal Program Studi Manajemen Jurnal Manajemen SENADA : Semangat Nasional Dalam MengabdI Journal of Sustainable Community Development (JSCD) International Journal of Economics, Business, and Entrepreneurship (IJEBE) Jurnal Manajerial Dan Kewirausahaan Prosiding Seri Seminar Nasional
MN, Nuryasman
Fakultas Ekonomi Dan Bisnis, Universitas Tarumanagara
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Public Health Social Sciences Transportation Other

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Factors Determining the Quality of Financial Reports Lawendatu, Nekda; Hendrian, Hendrian; Nuryasman, Nuryasman
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v9i10.49931

Abstract

Penelitian ini bertujuan menganalisis pengaruh karakter individu, karakter organisasi dan legal environment terhadap kualitas laporan keuangan BLUD Rumah Sakit Daerah di Provinsi Sulawesi Utara. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survey. Sampel dalam penelitian ini sebanyak 74 orang pegawai bagian keuangan BLUD Rumah Sakit Daerah di Provinsi Sulawesi Utara. Penyebaran kuesioner menggunakan Google Form kepada pegawai bagian keuangan di 4 (empat) Rumah Sakit. . Metode analisis data dalam penelitian ini berbasis Partial Least Square (PLS). Hasil penelitian menunjukkan karakter individu berpengaruh positif terhadap kualitas laporan keuangan, karakter organisasi tidak signifikan mempengaruhi kualitas laporan keuangan, dan legal environment memiliki pengaruh positif terhadap kualitas laporan keuangan
Pola Pengelolaan Keuangan Mahasiswa Modern: dari Literasi hingga Gaya Hidup Novitasari, Olivia; MN, Nuryasman
Jurnal Manajerial Dan Kewirausahaan Vol. 8 No. 1 (2026): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v8i1.36927

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, sikap keuangan dan gaya hidup terhadap perilaku pengelolaan keuangan mahasiswa di era modern. Perkembangan teknologi digital telah meningkatkan kemudahan akses terhadap berbagai layanan keuangan seperti e-wallet, paylater, dan platform investasi, namun juga berpotensi mendorong perilaku konsumtif apabila tidak diimbangi dengan kemampuan mengelola keuangan yang baik. Berdasarkan data Otoritas Jasa Keuangan, tingkat literasi keuangan nasional masih berada di bawah tingkat inklusi keuangan, yang menunjukkan bahwa pemahaman masyarakat terhadap produk dan layanan keuangan belum sebanding dengan luasnya akses yang tersedia. Kondisi ini turut tercermin pada mahasiswa yang berada dalam fase awal kemandirian finansial, di mana mahasiswa mulai bertanggung jawab dalam mengatur pemasukan dan pengeluaran secara mandiri. Penelitian ini menggunakan pendekatan kuantitatif dengan responden sebanyak 330 mahasiswa Fakultas Ekonomi dan Bisnis Universitas Tarumanagara yang dipilih menggunakan teknik sampling insidental. Analisis data dilakukan menggunakan Partial Least Squares-Structural Equation Modeling (PLS-SEM) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan, sikap keuangan, dan gaya hidup berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan mahasiswa. Temuan ini menegaskan pentingnya peningkatan pemahaman keuangan dan pembentukan gaya hidup yang bijak agar mahasiswa mampu mengelola keuangan dengan sehat, rasional, dan bertanggung jawab. Hasil penelitian ini juga diharapkan dapat menjadi masukan bagi lembaga pendidikan untuk memperkuat literasi keuangan di lingkungan akademik serta mendorong kebiasaan finansial yang berkelanjutan di kalangan mahasiswa. This study aims to analyze the influence of financial literacy, financial attitudes, and lifestyle on students’ financial management behavior in the modern era. The development of digital technology has increased access to various financial services such as e-wallets, paylater systems, and investment platforms. However, these conveniences also have the potential to encourage consumptive behavior if not balanced with adequate financial management skills. According to the Financial Services Authority, the national level of financial literacy remains lower than the level of financial inclusion, indicating that the public’s understanding of financial products and services has not yet matched the accessibility available to them. This situation is also reflected among university students, who are in the early stages of financial independence and are beginning to take responsibility for managing their personal income and expenses. This research employs a quantitative approach involving 330 students from the Faculty of Economics and Business, Tarumanagara University, selected through an accidental sampling technique. The data were analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS software. These results reveal that financial literacy, financial attitudes, and lifestyle have a positive and significant influence on students’ financial management behavior. These findings emphasize the importance of improving financial knowledge and fostering a prudent lifestyle to help students manage their finances wisely, rationally, and responsibly. Furthermore, this study provides valuable insights for educational institutions to enhance financial education and promote sustainable financial habits among students.
Peningkatan Kinerja UMKM Melalui Financial Technology dan Inklusi Keuangan Dengan Perilaku Keuangan Sebagai Mediasi Fitrianto, Yudie; Nuryasman, Nuryasman; Mubarok, Faizul
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 7 No. 5 (2026): Jurnal Ekonomi Manajemen Sistem Informasi (Mei - Juni 2026)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v7i5.7943

Abstract

This study aims to analyze the direct and indirect influence of financial technology and financial inclusion on MSME performance through the role of financial behavior as a mediating variable. The population used was all 1,511 MSMEs in Demak Regency. The sampling technique used purposive sampling, with the criteria being MSMEs in Demak Regency who had been operating for more than one year and had utilized fintech services to support their businesses. A total of 108 respondents were selected. The data analysis technique used was Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results showed that financial technology had a positive and significant effect on financial behavior, and financial inclusion had a positive and significant effect on financial behavior. The results also showed that financial technology had a positive and significant effect on MSME performance, financial inclusion had a positive and significant effect on MSME performance, and financial behavior had a positive and significant effect on MSME performance. The results of the mediation test showed that financial behavior can mediate the influence of financial technology and financial inclusion on MSME performance.
Keuangan dalam Perantauan: Faktor Penentu Perilaku Pengelolaan Keuangan Mahasiswa Rantau Lee Selly; Nuryasman MN
Jurnal Manajerial Dan Kewirausahaan Vol. 8 No. 2 (2026): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v8i2.37629

Abstract

Mahasiswa rantau kerap dihadapkan pada tuntutan untuk beradaptasi dengan kehidupan mandiri di kota perantauan, termasuk penyesuaian akademik, sosial, dan terutama finansial. Tingginya biaya hidup di kota besar seperti Jakarta membuat kemampuan mengelola keuangan menjadi faktor penting agar mahasiswa dapat menjaga keberlangsungan studi serta keseharian mereka. Dalam konteks tersebut, penelitian ini berupaya menelaah sejauh mana literasi keuangan, sikap keuangan, dan kecemasan finansial berkaitan dengan perilaku pengelolaan keuangan mahasiswa rantau di Jakarta. Kajian ini berlandaskan Theory of Planned Behavior, yang memandang bahwa perilaku seseorang dibentuk oleh sikap, keyakinan, serta persepsi atas kemampuan mengendalikan tindakan tertentu. Pendekatan penelitian yang digunakan adalah kuantitatif deskriptif, dengan kuesioner yang disebarkan kepada mahasiswa rantau yang sedang menempuh pendidikan tinggi dan tinggal terpisah dari orang tua yang terdiri dari 200 responden. Data kemudian dianalisis menggunakan teknik pemodelan persamaan struktural berbasis partial least squares (PLS). Hasil analisis menunjukkan bahwa literasi keuangan dan sikap keuangan cenderung berhubungan positif dengan perilaku pengelolaan keuangan, sedangkan kecemasan finansial tidak memperlihatkan hubungan yang kuat terhadap perilaku tersebut. Temuan ini memberi gambaran bahwa pemahaman dan pandangan positif mengenai keuangan dapat berperan dalam membentuk perilaku keuangan yang lebih terarah, sementara tekanan emosional terkait kondisi finansial belum tentu menghambat kemampuan mahasiswa dalam mengelola keuangan. Dengan demikian, penting bagi mahasiswa rantau untuk terus mengembangkan literasi keuangan dan membangun sikap keuangan yang sehat sebagai bagian dari upaya memperkuat kemandirian finansial. Away-from-home students often face demands to adapt to independent living in a new city, including academic, social, and especially financial adjustments. The high cost of living in metropolitan areas such as Jakarta makes financial management skills an essential aspect for maintaining both their studies and daily needs. In this context, this study aims to examine the extent to which financial literacy, financial attitude, and financial anxiety are related to the financial management behavior of away-from-home students in Jakarta. This research is grounded in the Theory of Planned Behavior, which suggests that an individual’s behavior is shaped by attitudes, beliefs, and perceived behavioral control toward the behavior. The study employs a descriptive quantitative approach, using questionnaires distributed to away-from-home students who are currently pursuing higher education while living separately from their parents, consisting of 200 respondents. Data were analyzed using structural equation modeling with partial least squares (SEM-PLS). The findings show that financial literacy and financial attitude tend to have a positive relationship with financial management behavior, whereas financial anxiety does not exhibit a strong relationship with the behavior. These results suggest that knowledge and positive views regarding finance may contribute to more directed financial behavior, while emotional pressure related to financial conditions does not necessarily impede students’ ability to manage their finances. Therefore, it is important for away-from-home students to continuously develop financial literacy and build healthy financial attitudes as part of efforts to strengthen their financial independence.
Co-Authors Aldrian Bernard Wijaya Alecia, Brigitta Amelinda, Rita Anggi Vionita Anthony, Michael Yorish Apriana, Velecia Arifin, Agus Zainul Bong Siaw Yen Cindy Claudia Edalmen, Edalmen Eka Andana Suryaman Faizul Mubarok Fitrianto, Yudie Frans Cai Hendrian Hendrian, Hendrian Heni Mularsih Hidayat Wiweko Ignatius Shivas Tjong Indradewa, Rhian Ira Geraldina Itzhak Vici Joshua Nathan Austin Kartika Nuringsih Kartika Nuringsih Kartika Nuringsih Kartika Nuringsih Kurniati, Fitriana Lawendatu, Nekda Lee Selly Leonardo Luis Leviani, Marissa Liliani Wijaya Marfianto Marfianto Maya Nur Annisaa Nathania Tanuwijaya Novitasari, Olivia Nuringsih, Kartika Nyoman Suprasta Permatasari, Verencia Randy, Fransiskus Rinaldi Setiawan Alamsyah Sheren Destiana Sukis Warningsih Suryaman, Eka Andana Tan, Hendra Verencia Permatasari Veronica Ong Victoria Victoria Villy Vivian Vivian Yanuar Yanuar, Yanuar Yessica Yessica Yessica, Yessica Yukianti, Chiara Rizka